Home > The Eastman National Bank of Newkirk > Performance and Condition Ratios
The Eastman National Bank of Newkirk, Performance and Condition Ratios
| 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 | 4.4782% | 1,706 |
| Cost of funding earning assets | 0.1350% | 5,399 |
| Net interest margin | 4.3433% | 828 |
| Noninterest income to average assets | 0.8992% | 1,273 |
| Noninterest expense to average assets | 2.4586% | 3,859 |
| Loan and lease loss provision to assets | 0.6084% | 180 |
| Net operating income to assets | 1.0401% | 2,371 |
| Return on assets (ROA) | 1.0401% | 2,408 |
| Pretax return on assets | 1.9629% | 591 |
| Return on Equity (ROE) | 10.4404% | 1,933 |
| Retained earnings to average equity (ytd only) | 5.1808% | 2,757 |
| Net charge-offs to loans | 0.0917% | 1,872 |
| Credit loss provision to net charge-offs | 921.4286% | 378 |
| Earnings coverage of net charge-offs (x) | 38.9435% | 1,331 |
| Efficiency ratio | 48.8801% | 5,297 |
| Assets per employee ($millions) | 4.4256% | 3,281 |
| Cash dividends to net income (ytd only)* | 50.3778% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0287% | 547 |
| Loan loss allowance to noncurrent loans | 82.1716% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.8151% | 757 |
| Noncurrent loans to loans | 2.4689% | 627 |
| Net loans and leases to total assets | 71.1912% | 2,380 |
| Net loans and leases to deposits | 83.1184% | 2,643 |
| Net loans and leases to core deposits | 96.2315% | 2,045 |
| Total domestic deposits to total assets | 85.6503% | 2,455 |
| Equity capital to assets | 9.9220% | 4,008 |
| Core capital (leverage) ratio | 9.7603% | 3,869 |
| Tier 1 risk-based capital ratio | 14.0947% | 3,397 |
| Total risk-based capital ratio | 15.3576% | 3,302 |
| Memoranda: | ||
| Average total assets | $254,445,250 | 2,478 |
| Average earning assets | $241,993,750 | 2,427 |
| Average equity | $25,349,500 | 2,675 |
| Average total loans | $183,172,500 | 2,308 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4236% | 1,741 |
| Cost of funding earning assets | 0.1229% | 5,492 |
| Net interest margin | 4.3007% | 859 |
| Noninterest income to average assets | 0.8853% | 1,318 |
| Noninterest expense to average assets | 2.4967% | 3,763 |
| Loan and lease loss provision to assets | 0.0907% | 2,167 |
| Net operating income to assets | 1.4907% | 885 |
| Return on assets (ROA) | 1.4907% | 906 |
| Pretax return on assets | 2.3816% | 259 |
| Return on Equity (ROE) | 14.9427% | 666 |
| Retained earnings to average equity (ytd only) | 14.9427% | 143 |
| Net charge-offs to loans | 0.0516% | 2,184 |
| Credit loss provision to net charge-offs | 244.6809% | 1,102 |
| Earnings coverage of net charge-offs (x) | 66.7234% | 870 |
| Efficiency ratio | 50.2459% | 5,293 |
| Assets per employee ($millions) | 4.2316% | 3,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 1,468 |
| Loan loss allowance to noncurrent loans | 185.2071% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.5892% | 2,807 |
| Noncurrent loans to loans | 0.8269% | 2,332 |
| Net loans and leases to total assets | 70.1674% | 2,501 |
| Net loans and leases to deposits | 81.9116% | 2,712 |
| Net loans and leases to core deposits | 94.9272% | 2,075 |
| Total domestic deposits to total assets | 85.6623% | 2,541 |
| Equity capital to assets | 10.2324% | 3,641 |
| Core capital (leverage) ratio | 10.2183% | 3,248 |
| Tier 1 risk-based capital ratio | 14.1687% | 3,328 |
| Total risk-based capital ratio | 15.4233% | 3,246 |
| Memoranda: | ||
| Average total assets | $253,699,670 | 2,491 |
| Average earning assets | $240,889,000 | 2,441 |
| Average equity | $25,310,000 | 2,679 |
| Average total loans | $182,057,000 | 2,325 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5773% | 1,193 |
| Cost of funding earning assets | 0.1189% | 5,568 |
| Net interest margin | 4.4583% | 561 |
| Noninterest income to average assets | 0.8828% | 1,295 |
| Noninterest expense to average assets | 2.5290% | 3,719 |
| Loan and lease loss provision to assets | 0.1829% | 939 |
| Net operating income to assets | 1.5842% | 702 |
| Return on assets (ROA) | 1.5842% | 714 |
| Pretax return on assets | 2.4049% | 252 |
| Return on Equity (ROE) | 16.0914% | 517 |
| Retained earnings to average equity (ytd only) | 16.0914% | 197 |
| Net charge-offs to loans | -0.0022% | 4,016 |
| Credit loss provision to net charge-offs | -11,500.0000% | 4,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4249% | 5,406 |
| Assets per employee ($millions) | 4.3787% | 3,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5786% | 1,433 |
| Loan loss allowance to noncurrent loans | 154.1151% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.7407% | 2,449 |
| Noncurrent loans to loans | 1.0243% | 2,007 |
| Net loans and leases to total assets | 70.3334% | 2,315 |
| Net loans and leases to deposits | 82.0938% | 2,499 |
| Net loans and leases to core deposits | 93.6621% | 2,011 |
| Total domestic deposits to total assets | 85.6745% | 2,805 |
| Equity capital to assets | 9.9683% | 3,792 |
| Core capital (leverage) ratio | 10.0481% | 3,434 |
| Tier 1 risk-based capital ratio | 13.9217% | 3,530 |
| Total risk-based capital ratio | 15.1772% | 3,435 |
| Memoranda: | ||
| Average total assets | $251,484,500 | 2,529 |
| Average earning assets | $238,833,000 | 2,477 |
| Average equity | $24,758,500 | 2,730 |
| Average total loans | $181,115,500 | 2,352 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 1,496 |
| Cost of funding earning assets | 0.1226% | 5,604 |
| Net interest margin | 4.3921% | 785 |
| Noninterest income to average assets | 0.8951% | 1,427 |
| Noninterest expense to average assets | 2.5325% | 3,909 |
| Loan and lease loss provision to assets | 0.0491% | 3,415 |
| Net operating income to assets | 1.6123% | 657 |
| Return on assets (ROA) | 1.6912% | 583 |
| Pretax return on assets | 2.6194% | 171 |
| Return on Equity (ROE) | 16.1348% | 496 |
| Retained earnings to average equity (ytd only) | -2.8054% | 5,581 |
| Net charge-offs to loans | -0.0022% | 4,705 |
| Credit loss provision to net charge-offs | -3,125.0000% | 5,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8568% | 5,491 |
| Assets per employee ($millions) | 4.2932% | 3,446 |
| Cash dividends to net income (ytd only)* | 117.3873% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5209% | 1,597 |
| Loan loss allowance to noncurrent loans | 133.8364% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.8337% | 2,259 |
| Noncurrent loans to loans | 1.1364% | 1,806 |
| Net loans and leases to total assets | 71.4827% | 2,246 |
| Net loans and leases to deposits | 85.9281% | 2,181 |
| Net loans and leases to core deposits | 98.9906% | 1,709 |
| Total domestic deposits to total assets | 83.1890% | 3,701 |
| Equity capital to assets | 9.7192% | 4,043 |
| Core capital (leverage) ratio | 9.4371% | 4,177 |
| Tier 1 risk-based capital ratio | 13.4994% | 3,770 |
| Total risk-based capital ratio | 14.7567% | 3,665 |
| Memoranda: | ||
| Average total assets | $254,372,400 | 2,470 |
| Average earning assets | $242,345,600 | 2,417 |
| Average equity | $26,662,800 | 2,591 |
| Average total loans | $180,006,600 | 2,312 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4487% | 1,703 |
| Cost of funding earning assets | 0.1223% | 5,664 |
| Net interest margin | 4.3264% | 886 |
| Noninterest income to average assets | 0.8911% | 1,434 |
| Noninterest expense to average assets | 2.4610% | 4,103 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.5775% | 765 |
| Return on assets (ROA) | 1.6586% | 687 |
| Pretax return on assets | 2.6894% | 169 |
| Return on Equity (ROE) | 15.5480% | 602 |
| Retained earnings to average equity (ytd only) | 15.5480% | 118 |
| Net charge-offs to loans | -0.0037% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9881% | 5,555 |
| Assets per employee ($millions) | 4.3909% | 3,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 2,069 |
| Loan loss allowance to noncurrent loans | 156.6229% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.6675% | 2,905 |
| Noncurrent loans to loans | 0.9122% | 2,421 |
| Net loans and leases to total assets | 71.1143% | 2,331 |
| Net loans and leases to deposits | 86.7663% | 2,174 |
| Net loans and leases to core deposits | 99.1015% | 1,718 |
| Total domestic deposits to total assets | 81.9608% | 3,946 |
| Equity capital to assets | 11.3726% | 2,630 |
| Core capital (leverage) ratio | 11.1025% | 2,356 |
| Tier 1 risk-based capital ratio | 15.4933% | 2,834 |
| Total risk-based capital ratio | 16.7477% | 2,764 |
| Memoranda: | ||
| Average total assets | $255,714,750 | 2,468 |
| Average earning assets | $244,262,500 | 2,415 |
| Average equity | $27,278,250 | 2,569 |
| Average total loans | $179,822,500 | 2,315 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3658% | 1,926 |
| Cost of funding earning assets | 0.1193% | 5,759 |
| Net interest margin | 4.2465% | 1,023 |
| Noninterest income to average assets | 0.8693% | 1,476 |
| Noninterest expense to average assets | 2.4416% | 4,211 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5876% | 745 |
| Return on assets (ROA) | 1.6980% | 617 |
| Pretax return on assets | 2.6587% | 175 |
| Return on Equity (ROE) | 16.2745% | 504 |
| Retained earnings to average equity (ytd only) | 16.2745% | 107 |
| Net charge-offs to loans | -0.0101% | 4,699 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5483% | 5,589 |
| Assets per employee ($millions) | 4.4587% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4300% | 2,161 |
| Loan loss allowance to noncurrent loans | 365.1389% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.2877% | 4,343 |
| Noncurrent loans to loans | 0.3916% | 3,960 |
| Net loans and leases to total assets | 70.0738% | 2,468 |
| Net loans and leases to deposits | 83.8167% | 2,490 |
| Net loans and leases to core deposits | 90.4853% | 2,489 |
| Total domestic deposits to total assets | 83.6036% | 3,421 |
| Equity capital to assets | 10.8493% | 3,237 |
| Core capital (leverage) ratio | 10.6287% | 2,817 |
| Tier 1 risk-based capital ratio | 14.4157% | 3,370 |
| Total risk-based capital ratio | 15.6698% | 3,297 |
| Memoranda: | ||
| Average total assets | $256,062,000 | 2,481 |
| Average earning assets | $244,719,000 | 2,424 |
| Average equity | $26,716,670 | 2,614 |
| Average total loans | $178,518,670 | 2,328 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3210% | 2,063 |
| Cost of funding earning assets | 0.1168% | 5,835 |
| Net interest margin | 4.2042% | 1,087 |
| Noninterest income to average assets | 0.8383% | 1,480 |
| Noninterest expense to average assets | 2.1728% | 4,970 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7128% | 562 |
| Return on assets (ROA) | 1.7128% | 600 |
| Pretax return on assets | 2.6767% | 181 |
| Return on Equity (ROE) | 16.7547% | 461 |
| Retained earnings to average equity (ytd only) | 16.7547% | 165 |
| Net charge-offs to loans | -0.0205% | 4,873 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8041% | 5,845 |
| Assets per employee ($millions) | 4.4433% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4662% | 2,133 |
| Loan loss allowance to noncurrent loans | 195.0297% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.5324% | 3,480 |
| Noncurrent loans to loans | 0.7518% | 2,956 |
| Net loans and leases to total assets | 68.5577% | 2,568 |
| Net loans and leases to deposits | 82.1191% | 2,529 |
| Net loans and leases to core deposits | 86.6728% | 2,689 |
| Total domestic deposits to total assets | 83.4857% | 3,716 |
| Equity capital to assets | 10.3764% | 3,644 |
| Core capital (leverage) ratio | 10.3247% | 3,161 |
| Tier 1 risk-based capital ratio | 14.5740% | 3,355 |
| Total risk-based capital ratio | 15.8308% | 3,288 |
| Memoranda: | ||
| Average total assets | $254,790,000 | 2,501 |
| Average earning assets | $243,092,500 | 2,440 |
| Average equity | $26,046,500 | 2,656 |
| Average total loans | $175,856,000 | 2,355 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3075% | 2,210 |
| Cost of funding earning assets | 0.1059% | 5,937 |
| Net interest margin | 4.2016% | 1,172 |
| Noninterest income to average assets | 0.8179% | 1,717 |
| Noninterest expense to average assets | 2.5450% | 4,087 |
| Loan and lease loss provision to assets | 0.1013% | 2,295 |
| Net operating income to assets | 1.4447% | 954 |
| Return on assets (ROA) | 1.4447% | 990 |
| Pretax return on assets | 2.1739% | 368 |
| Return on Equity (ROE) | 14.0567% | 834 |
| Retained earnings to average equity (ytd only) | 5.3846% | 2,145 |
| Net charge-offs to loans | -0.0315% | 5,415 |
| Credit loss provision to net charge-offs | -480.7692% | 5,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7988% | 5,595 |
| Assets per employee ($millions) | 4.3426% | 3,318 |
| Cash dividends to net income (ytd only)* | 61.6938% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5197% | 1,903 |
| Loan loss allowance to noncurrent loans | 189.0332% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.5598% | 3,415 |
| Noncurrent loans to loans | 0.8039% | 2,777 |
| Net loans and leases to total assets | 67.4090% | 2,799 |
| Net loans and leases to deposits | 82.8064% | 2,498 |
| Net loans and leases to core deposits | 88.1944% | 2,582 |
| Total domestic deposits to total assets | 81.4055% | 4,367 |
| Equity capital to assets | 10.0655% | 3,887 |
| Core capital (leverage) ratio | 9.8975% | 3,646 |
| Tier 1 risk-based capital ratio | 14.4665% | 3,462 |
| Total risk-based capital ratio | 15.7243% | 3,368 |
| Memoranda: | ||
| Average total assets | $246,838,400 | 2,529 |
| Average earning assets | $235,126,800 | 2,460 |
| Average equity | $25,368,600 | 2,663 |
| Average total loans | $164,965,200 | 2,402 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3075% | 2,203 |
| Cost of funding earning assets | 0.1065% | 6,035 |
| Net interest margin | 4.2010% | 1,162 |
| Noninterest income to average assets | 0.8149% | 1,751 |
| Noninterest expense to average assets | 2.4871% | 4,237 |
| Loan and lease loss provision to assets | 0.1357% | 1,651 |
| Net operating income to assets | 1.4724% | 962 |
| Return on assets (ROA) | 1.4724% | 1,000 |
| Pretax return on assets | 2.1966% | 415 |
| Return on Equity (ROE) | 14.2512% | 853 |
| Retained earnings to average equity (ytd only) | 14.2512% | 195 |
| Net charge-offs to loans | -0.0368% | 5,427 |
| Credit loss provision to net charge-offs | -555.5556% | 5,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6053% | 5,671 |
| Assets per employee ($millions) | 4.2964% | 3,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5704% | 1,886 |
| Loan loss allowance to noncurrent loans | 256.4279% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.4186% | 4,102 |
| Noncurrent loans to loans | 0.6124% | 3,479 |
| Net loans and leases to total assets | 65.7232% | 3,056 |
| Net loans and leases to deposits | 78.2021% | 3,080 |
| Net loans and leases to core deposits | 83.0592% | 3,150 |
| Total domestic deposits to total assets | 84.0428% | 3,403 |
| Equity capital to assets | 10.8085% | 3,227 |
| Core capital (leverage) ratio | 10.3465% | 3,201 |
| Tier 1 risk-based capital ratio | 15.5085% | 3,043 |
| Total risk-based capital ratio | 16.7667% | 2,963 |
| Memoranda: | ||
| Average total assets | $245,580,500 | 2,557 |
| Average earning assets | $234,095,250 | 2,489 |
| Average equity | $25,372,750 | 2,686 |
| Average total loans | $163,105,750 | 2,443 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2645% | 2,304 |
| Cost of funding earning assets | 0.1073% | 6,103 |
| Net interest margin | 4.1572% | 1,211 |
| Noninterest income to average assets | 0.7767% | 1,891 |
| Noninterest expense to average assets | 2.4765% | 4,313 |
| Loan and lease loss provision to assets | 0.2046% | 955 |
| Net operating income to assets | 1.3103% | 1,292 |
| Return on assets (ROA) | 1.3103% | 1,347 |
| Pretax return on assets | 2.0575% | 535 |
| Return on Equity (ROE) | 12.8841% | 1,139 |
| Retained earnings to average equity (ytd only) | 12.8841% | 317 |
| Net charge-offs to loans | -0.0049% | 4,735 |
| Credit loss provision to net charge-offs | -6,250.0000% | 5,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2625% | 5,695 |
| Assets per employee ($millions) | 4.2797% | 3,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5965% | 1,922 |
| Loan loss allowance to noncurrent loans | 359.2179% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.2882% | 4,722 |
| Noncurrent loans to loans | 0.4444% | 4,146 |
| Net loans and leases to total assets | 61.7375% | 3,592 |
| Net loans and leases to deposits | 72.6468% | 3,658 |
| Net loans and leases to core deposits | 77.2656% | 3,646 |
| Total domestic deposits to total assets | 84.9831% | 3,129 |
| Equity capital to assets | 9.9776% | 4,064 |
| Core capital (leverage) ratio | 9.9328% | 3,700 |
| Tier 1 risk-based capital ratio | 15.4410% | 3,132 |
| Total risk-based capital ratio | 16.7003% | 3,070 |
| Memoranda: | ||
| Average total assets | $244,376,670 | 2,583 |
| Average earning assets | $232,899,670 | 2,519 |
| Average equity | $24,852,330 | 2,733 |
| Average total loans | $162,011,000 | 2,464 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3221% | 2,023 |
| Cost of funding earning assets | 0.1095% | 6,164 |
| Net interest margin | 4.2127% | 1,035 |
| Noninterest income to average assets | 0.7524% | 1,902 |
| Noninterest expense to average assets | 2.4805% | 4,322 |
| Loan and lease loss provision to assets | 0.4199% | 265 |
| Net operating income to assets | 1.1739% | 1,620 |
| Return on assets (ROA) | 1.1739% | 1,725 |
| Pretax return on assets | 1.8592% | 778 |
| Return on Equity (ROE) | 11.4272% | 1,509 |
| Retained earnings to average equity (ytd only) | 11.4272% | 657 |
| Net charge-offs to loans | 0.0049% | 3,151 |
| Credit loss provision to net charge-offs | 12,500.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 678.5000% | 70 |
| Efficiency ratio | 52.1171% | 5,804 |
| Assets per employee ($millions) | 4.3532% | 3,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5776% | 2,131 |
| Loan loss allowance to noncurrent loans | 301.1737% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 4,592 |
| Noncurrent loans to loans | 0.5238% | 4,001 |
| Net loans and leases to total assets | 64.5186% | 3,025 |
| Net loans and leases to deposits | 76.9493% | 2,942 |
| Net loans and leases to core deposits | 82.2404% | 2,938 |
| Total domestic deposits to total assets | 83.8456% | 3,873 |
| Equity capital to assets | 10.0584% | 4,082 |
| Core capital (leverage) ratio | 10.1828% | 3,363 |
| Tier 1 risk-based capital ratio | 15.1887% | 3,326 |
| Total risk-based capital ratio | 16.5175% | 3,205 |
| Memoranda: | ||
| Average total assets | $238,173,000 | 2,649 |
| Average earning assets | $226,555,000 | 2,588 |
| Average equity | $24,468,000 | 2,791 |
| Average total loans | $162,464,500 | 2,467 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3537% | 2,391 |
| Cost of funding earning assets | 0.1234% | 6,230 |
| Net interest margin | 4.2303% | 1,218 |
| Noninterest income to average assets | 0.8659% | 1,622 |
| Noninterest expense to average assets | 2.4555% | 4,685 |
| Loan and lease loss provision to assets | 0.1349% | 1,940 |
| Net operating income to assets | 1.4556% | 969 |
| Return on assets (ROA) | 1.4556% | 1,002 |
| Pretax return on assets | 2.2580% | 285 |
| Return on Equity (ROE) | 15.0573% | 773 |
| Retained earnings to average equity (ytd only) | 15.0573% | 148 |
| Net charge-offs to loans | 0.0798% | 3,348 |
| Credit loss provision to net charge-offs | 254.0984% | 1,002 |
| Earnings coverage of net charge-offs (x) | 45.0738% | 1,000 |
| Efficiency ratio | 50.6462% | 6,057 |
| Assets per employee ($millions) | 3.9348% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 2,808 |
| Loan loss allowance to noncurrent loans | 267.3587% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 4,515 |
| Noncurrent loans to loans | 0.5343% | 4,061 |
| Net loans and leases to total assets | 70.0893% | 2,227 |
| Net loans and leases to deposits | 85.7428% | 2,018 |
| Net loans and leases to core deposits | 92.7162% | 2,020 |
| Total domestic deposits to total assets | 81.7436% | 4,505 |
| Equity capital to assets | 10.5067% | 3,470 |
| Core capital (leverage) ratio | 10.5892% | 2,849 |
| Tier 1 risk-based capital ratio | 15.2095% | 3,371 |
| Total risk-based capital ratio | 16.4620% | 3,322 |
| Memoranda: | ||
| Average total assets | $229,809,000 | 2,702 |
| Average earning assets | $216,343,400 | 2,652 |
| Average equity | $22,215,200 | 2,928 |
| Average total loans | $152,788,800 | 2,535 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2983% | 2,642 |
| Cost of funding earning assets | 0.1265% | 6,298 |
| Net interest margin | 4.1719% | 1,371 |
| Noninterest income to average assets | 0.8757% | 1,602 |
| Noninterest expense to average assets | 2.4395% | 4,700 |
| Loan and lease loss provision to assets | 0.1216% | 2,053 |
| Net operating income to assets | 1.4363% | 1,056 |
| Return on assets (ROA) | 1.4363% | 1,099 |
| Pretax return on assets | 2.2316% | 345 |
| Return on Equity (ROE) | 15.1856% | 790 |
| Retained earnings to average equity (ytd only) | 15.1856% | 193 |
| Net charge-offs to loans | 0.1019% | 2,778 |
| Credit loss provision to net charge-offs | 182.6087% | 1,370 |
| Earnings coverage of net charge-offs (x) | 35.3303% | 1,224 |
| Efficiency ratio | 50.9003% | 6,057 |
| Assets per employee ($millions) | 4.0594% | 3,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 3,027 |
| Loan loss allowance to noncurrent loans | 253.1286% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.4122% | 4,684 |
| Noncurrent loans to loans | 0.5654% | 4,224 |
| Net loans and leases to total assets | 67.4047% | 2,626 |
| Net loans and leases to deposits | 81.0195% | 2,545 |
| Net loans and leases to core deposits | 87.7907% | 2,454 |
| Total domestic deposits to total assets | 83.1956% | 4,065 |
| Equity capital to assets | 10.1625% | 3,978 |
| Core capital (leverage) ratio | 10.2259% | 3,376 |
| Tier 1 risk-based capital ratio | 15.3973% | 3,373 |
| Total risk-based capital ratio | 16.6500% | 3,307 |
| Memoranda: | ||
| Average total assets | $230,207,250 | 2,716 |
| Average earning assets | $216,141,250 | 2,667 |
| Average equity | $21,774,500 | 2,975 |
| Average total loans | $150,417,750 | 2,570 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2349% | 2,825 |
| Cost of funding earning assets | 0.1344% | 6,336 |
| Net interest margin | 4.1005% | 1,510 |
| Noninterest income to average assets | 0.8435% | 1,689 |
| Noninterest expense to average assets | 2.3896% | 4,907 |
| Loan and lease loss provision to assets | 0.1817% | 1,350 |
| Net operating income to assets | 1.3229% | 1,244 |
| Return on assets (ROA) | 1.3229% | 1,294 |
| Pretax return on assets | 2.1266% | 426 |
| Return on Equity (ROE) | 14.3353% | 897 |
| Retained earnings to average equity (ytd only) | 14.3353% | 246 |
| Net charge-offs to loans | 0.1277% | 2,390 |
| Credit loss provision to net charge-offs | 221.0526% | 1,080 |
| Earnings coverage of net charge-offs (x) | 28.0842% | 1,316 |
| Efficiency ratio | 50.8656% | 6,132 |
| Assets per employee ($millions) | 4.1439% | 3,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4613% | 3,068 |
| Loan loss allowance to noncurrent loans | 262.5731% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 4,778 |
| Noncurrent loans to loans | 0.5565% | 4,349 |
| Net loans and leases to total assets | 66.4217% | 2,689 |
| Net loans and leases to deposits | 81.3172% | 2,345 |
| Net loans and leases to core deposits | 89.3870% | 2,180 |
| Total domestic deposits to total assets | 81.6822% | 4,756 |
| Equity capital to assets | 9.7409% | 4,441 |
| Core capital (leverage) ratio | 9.4383% | 4,416 |
| Tier 1 risk-based capital ratio | 14.4179% | 3,981 |
| Total risk-based capital ratio | 15.6705% | 3,919 |
| Memoranda: | ||
| Average total assets | $231,167,330 | 2,716 |
| Average earning assets | $217,288,330 | 2,665 |
| Average equity | $21,332,000 | 3,016 |
| Average total loans | $148,739,000 | 2,594 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0659% | 3,418 |
| Cost of funding earning assets | 0.1349% | 6,422 |
| Net interest margin | 3.9309% | 1,977 |
| Noninterest income to average assets | 0.8213% | 1,668 |
| Noninterest expense to average assets | 2.3970% | 4,932 |
| Loan and lease loss provision to assets | 0.2577% | 826 |
| Net operating income to assets | 1.1426% | 1,655 |
| Return on assets (ROA) | 1.1426% | 1,721 |
| Pretax return on assets | 1.8712% | 691 |
| Return on Equity (ROE) | 12.7288% | 1,227 |
| Retained earnings to average equity (ytd only) | 12.7288% | 520 |
| Net charge-offs to loans | -0.0574% | 5,866 |
| Credit loss provision to net charge-offs | -714.2857% | 5,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9613% | 6,085 |
| Assets per employee ($millions) | 4.3368% | 3,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5572% | 2,889 |
| Loan loss allowance to noncurrent loans | 229.4118% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.6356% | 4,226 |
| Noncurrent loans to loans | 0.6788% | 4,169 |
| Net loans and leases to total assets | 60.9843% | 3,400 |
| Net loans and leases to deposits | 72.4249% | 3,281 |
| Net loans and leases to core deposits | 80.5865% | 2,901 |
| Total domestic deposits to total assets | 84.2036% | 4,208 |
| Equity capital to assets | 8.9199% | 5,201 |
| Core capital (leverage) ratio | 9.1566% | 4,780 |
| Tier 1 risk-based capital ratio | 14.4984% | 4,011 |
| Total risk-based capital ratio | 15.7525% | 3,963 |
| Memoranda: | ||
| Average total assets | $232,793,500 | 2,716 |
| Average earning assets | $219,387,500 | 2,660 |
| Average equity | $20,897,500 | 3,067 |
| Average total loans | $146,293,500 | 2,641 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2021% | 3,343 |
| Cost of funding earning assets | 0.1683% | 6,451 |
| Net interest margin | 4.0338% | 1,859 |
| Noninterest income to average assets | 0.7998% | 2,082 |
| Noninterest expense to average assets | 2.4886% | 4,804 |
| Loan and lease loss provision to assets | 0.0545% | 4,050 |
| Net operating income to assets | 1.3297% | 1,182 |
| Return on assets (ROA) | 1.3297% | 1,223 |
| Pretax return on assets | 2.0573% | 428 |
| Return on Equity (ROE) | 13.8348% | 985 |
| Retained earnings to average equity (ytd only) | 0.2459% | 5,735 |
| Net charge-offs to loans | 0.0615% | 4,347 |
| Credit loss provision to net charge-offs | 142.8571% | 1,629 |
| Earnings coverage of net charge-offs (x) | 55.3214% | 735 |
| Efficiency ratio | 54.0946% | 6,127 |
| Assets per employee ($millions) | 4.1285% | 3,583 |
| Cash dividends to net income (ytd only)* | 98.2228% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 3,327 |
| Loan loss allowance to noncurrent loans | 221.4137% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.6839% | 4,197 |
| Noncurrent loans to loans | 0.6642% | 4,311 |
| Net loans and leases to total assets | 62.8432% | 3,227 |
| Net loans and leases to deposits | 76.9689% | 2,858 |
| Net loans and leases to core deposits | 81.6828% | 2,936 |
| Total domestic deposits to total assets | 81.6475% | 4,991 |
| Equity capital to assets | 9.0366% | 4,993 |
| Core capital (leverage) ratio | 9.2055% | 4,715 |
| Tier 1 risk-based capital ratio | 14.0314% | 4,275 |
| Total risk-based capital ratio | 15.2837% | 4,212 |
| Memoranda: | ||
| Average total assets | $220,043,000 | 2,808 |
| Average earning assets | $207,324,800 | 2,752 |
| Average equity | $21,149,600 | 3,018 |
| Average total loans | $136,499,200 | 2,752 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2135% | 3,337 |
| Cost of funding earning assets | 0.1744% | 6,527 |
| Net interest margin | 4.0392% | 1,822 |
| Noninterest income to average assets | 0.8093% | 2,101 |
| Noninterest expense to average assets | 2.4982% | 4,729 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3914% | 1,123 |
| Return on assets (ROA) | 1.3914% | 1,170 |
| Pretax return on assets | 2.1170% | 460 |
| Return on Equity (ROE) | 14.2546% | 938 |
| Retained earnings to average equity (ytd only) | 5.4690% | 2,738 |
| Net charge-offs to loans | -0.0793% | 6,443 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1292% | 6,093 |
| Assets per employee ($millions) | 3.9541% | 3,924 |
| Cash dividends to net income (ytd only)* | 61.6329% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6023% | 2,994 |
| Loan loss allowance to noncurrent loans | 221.8367% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.7734% | 4,172 |
| Noncurrent loans to loans | 0.7223% | 4,407 |
| Net loans and leases to total assets | 61.3896% | 3,466 |
| Net loans and leases to deposits | 74.5941% | 3,141 |
| Net loans and leases to core deposits | 79.5333% | 3,172 |
| Total domestic deposits to total assets | 82.2982% | 4,833 |
| Equity capital to assets | 9.7878% | 4,203 |
| Core capital (leverage) ratio | 9.7353% | 4,053 |
| Tier 1 risk-based capital ratio | 15.5255% | 3,459 |
| Total risk-based capital ratio | 16.7795% | 3,416 |
| Memoranda: | ||
| Average total assets | $218,287,500 | 2,849 |
| Average earning assets | $205,681,000 | 2,798 |
| Average equity | $21,307,250 | 3,042 |
| Average total loans | $134,417,750 | 2,794 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2405% | 3,185 |
| Cost of funding earning assets | 0.1790% | 6,576 |
| Net interest margin | 4.0616% | 1,660 |
| Noninterest income to average assets | 0.8208% | 2,105 |
| Noninterest expense to average assets | 2.4634% | 4,859 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4312% | 1,016 |
| Return on assets (ROA) | 1.4312% | 1,104 |
| Pretax return on assets | 2.1788% | 438 |
| Return on Equity (ROE) | 14.6756% | 875 |
| Retained earnings to average equity (ytd only) | 14.3002% | 284 |
| Net charge-offs to loans | -0.0119% | 5,813 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0652% | 6,215 |
| Assets per employee ($millions) | 3.8457% | 4,120 |
| Cash dividends to net income (ytd only)* | 2.5575% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5695% | 3,274 |
| Loan loss allowance to noncurrent loans | 579.0634% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.5549% | 4,871 |
| Noncurrent loans to loans | 0.2710% | 5,625 |
| Net loans and leases to total assets | 61.2098% | 3,444 |
| Net loans and leases to deposits | 74.3577% | 3,096 |
| Net loans and leases to core deposits | 79.4238% | 3,103 |
| Total domestic deposits to total assets | 82.3181% | 4,939 |
| Equity capital to assets | 10.1198% | 3,766 |
| Core capital (leverage) ratio | 10.0181% | 3,482 |
| Tier 1 risk-based capital ratio | 16.3257% | 3,027 |
| Total risk-based capital ratio | 17.5794% | 2,983 |
| Memoranda: | ||
| Average total assets | $218,558,330 | 2,861 |
| Average earning assets | $205,635,000 | 2,801 |
| Average equity | $21,314,330 | 3,060 |
| Average total loans | $133,996,670 | 2,804 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1600% | 3,470 |
| Cost of funding earning assets | 0.1822% | 6,661 |
| Net interest margin | 3.9778% | 1,870 |
| Noninterest income to average assets | 0.7849% | 2,190 |
| Noninterest expense to average assets | 2.4346% | 4,999 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3954% | 1,037 |
| Return on assets (ROA) | 1.3954% | 1,123 |
| Pretax return on assets | 2.0785% | 513 |
| Return on Equity (ROE) | 14.5769% | 849 |
| Retained earnings to average equity (ytd only) | 14.5769% | 389 |
| Net charge-offs to loans | -0.0627% | 6,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9452% | 6,234 |
| Assets per employee ($millions) | 4.0086% | 3,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5916% | 3,433 |
| Loan loss allowance to noncurrent loans | 600.8523% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.8228% | 4,320 |
| Noncurrent loans to loans | 0.2649% | 5,747 |
| Net loans and leases to total assets | 59.3127% | 3,554 |
| Net loans and leases to deposits | 72.2804% | 3,144 |
| Net loans and leases to core deposits | 77.1872% | 3,179 |
| Total domestic deposits to total assets | 82.0591% | 5,172 |
| Equity capital to assets | 9.7313% | 4,519 |
| Core capital (leverage) ratio | 9.7202% | 3,769 |
| Tier 1 risk-based capital ratio | 16.0249% | 3,252 |
| Total risk-based capital ratio | 17.2790% | 3,209 |
| Memoranda: | ||
| Average total assets | $220,157,000 | 2,869 |
| Average earning assets | $206,346,500 | 2,829 |
| Average equity | $21,074,500 | 3,121 |
| Average total loans | $134,033,000 | 2,818 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6430% | 2,835 |
| Cost of funding earning assets | 0.2656% | 6,604 |
| Net interest margin | 4.3774% | 1,208 |
| Noninterest income to average assets | 0.8572% | 2,004 |
| Noninterest expense to average assets | 2.5688% | 4,864 |
| Loan and lease loss provision to assets | 0.1410% | 3,845 |
| Net operating income to assets | 1.4484% | 1,010 |
| Return on assets (ROA) | 1.4484% | 1,126 |
| Pretax return on assets | 2.2251% | 388 |
| Return on Equity (ROE) | 16.5732% | 589 |
| Retained earnings to average equity (ytd only) | 16.5732% | 103 |
| Net charge-offs to loans | 0.1798% | 3,936 |
| Credit loss provision to net charge-offs | 124.5763% | 2,277 |
| Earnings coverage of net charge-offs (x) | 20.9110% | 1,329 |
| Efficiency ratio | 52.0548% | 6,457 |
| Assets per employee ($millions) | 3.9971% | 3,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5498% | 3,521 |
| Loan loss allowance to noncurrent loans | 631.0241% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.8138% | 4,436 |
| Noncurrent loans to loans | 0.2456% | 5,862 |
| Net loans and leases to total assets | 60.5381% | 3,508 |
| Net loans and leases to deposits | 71.8182% | 3,440 |
| Net loans and leases to core deposits | 76.4284% | 3,474 |
| Total domestic deposits to total assets | 84.2936% | 4,184 |
| Equity capital to assets | 9.4132% | 4,981 |
| Core capital (leverage) ratio | 9.7442% | 3,744 |
| Tier 1 risk-based capital ratio | 15.6942% | 3,321 |
| Total risk-based capital ratio | 16.9485% | 3,277 |
| Memoranda: | ||
| Average total assets | $208,578,000 | 2,942 |
| Average earning assets | $194,294,200 | 2,907 |
| Average equity | $18,228,200 | 3,436 |
| Average total loans | $131,250,200 | 2,860 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7135% | 2,753 |
| Cost of funding earning assets | 0.2835% | 6,681 |
| Net interest margin | 4.4300% | 1,142 |
| Noninterest income to average assets | 0.8553% | 2,002 |
| Noninterest expense to average assets | 2.7539% | 4,158 |
| Loan and lease loss provision to assets | 0.1905% | 3,205 |
| Net operating income to assets | 1.2953% | 1,450 |
| Return on assets (ROA) | 1.2953% | 1,597 |
| Pretax return on assets | 2.0418% | 643 |
| Return on Equity (ROE) | 15.1335% | 878 |
| Retained earnings to average equity (ytd only) | 15.1335% | 230 |
| Net charge-offs to loans | 0.2272% | 3,358 |
| Credit loss provision to net charge-offs | 132.4324% | 2,179 |
| Earnings coverage of net charge-offs (x) | 15.5182% | 1,752 |
| Efficiency ratio | 55.2307% | 6,135 |
| Assets per employee ($millions) | 3.5609% | 4,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5579% | 3,699 |
| Loan loss allowance to noncurrent loans | 371.1268% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 1.8016% | 2,908 |
| Noncurrent loans to loans | 0.4198% | 5,612 |
| Net loans and leases to total assets | 64.4948% | 2,932 |
| Net loans and leases to deposits | 77.4522% | 2,735 |
| Net loans and leases to core deposits | 83.2072% | 2,796 |
| Total domestic deposits to total assets | 83.2705% | 4,531 |
| Equity capital to assets | 9.5220% | 5,177 |
| Core capital (leverage) ratio | 9.4181% | 4,397 |
| Tier 1 risk-based capital ratio | 14.6361% | 4,093 |
| Total risk-based capital ratio | 15.8908% | 4,054 |
| Memoranda: | ||
| Average total assets | $205,762,500 | 3,012 |
| Average earning assets | $191,867,750 | 2,966 |
| Average equity | $17,611,750 | 3,556 |
| Average total loans | $130,267,250 | 2,912 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7686% | 2,648 |
| Cost of funding earning assets | 0.3010% | 6,738 |
| Net interest margin | 4.4676% | 1,049 |
| Noninterest income to average assets | 0.8516% | 1,963 |
| Noninterest expense to average assets | 2.9216% | 3,537 |
| Loan and lease loss provision to assets | 0.1460% | 3,695 |
| Net operating income to assets | 1.0365% | 2,315 |
| Return on assets (ROA) | 1.0365% | 2,536 |
| Pretax return on assets | 1.9445% | 771 |
| Return on Equity (ROE) | 12.5834% | 1,478 |
| Retained earnings to average equity (ytd only) | 12.5834% | 493 |
| Net charge-offs to loans | 0.3671% | 2,548 |
| Credit loss provision to net charge-offs | 63.5593% | 3,715 |
| Earnings coverage of net charge-offs (x) | 9.1017% | 2,207 |
| Efficiency ratio | 58.2913% | 5,834 |
| Assets per employee ($millions) | 3.6943% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 3,926 |
| Loan loss allowance to noncurrent loans | 354.5455% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 1.9352% | 2,865 |
| Noncurrent loans to loans | 0.4284% | 5,677 |
| Net loans and leases to total assets | 62.2296% | 3,380 |
| Net loans and leases to deposits | 73.8672% | 3,317 |
| Net loans and leases to core deposits | 79.5920% | 3,271 |
| Total domestic deposits to total assets | 84.2451% | 4,213 |
| Equity capital to assets | 8.6728% | 6,055 |
| Core capital (leverage) ratio | 8.4280% | 5,751 |
| Tier 1 risk-based capital ratio | 13.9334% | 4,495 |
| Total risk-based capital ratio | 15.1869% | 4,468 |
| Memoranda: | ||
| Average total assets | $205,505,670 | 3,027 |
| Average earning assets | $191,376,330 | 2,978 |
| Average equity | $16,927,000 | 3,652 |
| Average total loans | $128,586,000 | 2,952 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5164% | 3,848 |
| Cost of funding earning assets | 0.3271% | 6,740 |
| Net interest margin | 4.1894% | 1,785 |
| Noninterest income to average assets | 0.8400% | 1,982 |
| Noninterest expense to average assets | 3.0407% | 3,113 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7336% | 3,718 |
| Return on assets (ROA) | 0.7336% | 3,953 |
| Pretax return on assets | 1.6916% | 1,322 |
| Return on Equity (ROE) | 9.1438% | 2,765 |
| Retained earnings to average equity (ytd only) | 9.1438% | 1,534 |
| Net charge-offs to loans | 0.1150% | 3,425 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 23.6216% | 1,089 |
| Efficiency ratio | 64.2536% | 4,880 |
| Assets per employee ($millions) | 3.7838% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5351% | 4,008 |
| Loan loss allowance to noncurrent loans | 82.0945% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 2.4862% | 2,379 |
| Noncurrent loans to loans | 1.8699% | 3,316 |
| Net loans and leases to total assets | 61.6122% | 3,336 |
| Net loans and leases to deposits | 72.8084% | 3,295 |
| Net loans and leases to core deposits | 78.1858% | 3,301 |
| Total domestic deposits to total assets | 84.6224% | 4,203 |
| Equity capital to assets | 8.1338% | 6,425 |
| Core capital (leverage) ratio | 8.1392% | 6,104 |
| Tier 1 risk-based capital ratio | 13.2711% | 5,013 |
| Total risk-based capital ratio | 14.5250% | 4,990 |
| Memoranda: | ||
| Average total assets | $206,664,500 | 3,032 |
| Average earning assets | $192,010,500 | 2,997 |
| Average equity | $16,579,500 | 3,718 |
| Average total loans | $128,682,500 | 2,965 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7825% | 3,890 |
| Cost of funding earning assets | 0.4474% | 6,736 |
| Net interest margin | 4.3351% | 1,586 |
| Noninterest income to average assets | 0.9282% | 1,578 |
| Noninterest expense to average assets | 2.8161% | 4,285 |
| Loan and lease loss provision to assets | 0.0771% | 5,648 |
| Net operating income to assets | 1.3723% | 1,078 |
| Return on assets (ROA) | 1.3723% | 1,164 |
| Pretax return on assets | 2.0633% | 472 |
| Return on Equity (ROE) | 15.8690% | 620 |
| Retained earnings to average equity (ytd only) | -3.5935% | 6,333 |
| Net charge-offs to loans | 0.2142% | 4,449 |
| Credit loss provision to net charge-offs | 56.2963% | 5,267 |
| Earnings coverage of net charge-offs (x) | 15.6370% | 1,383 |
| Efficiency ratio | 56.8170% | 6,211 |
| Assets per employee ($millions) | 3.7313% | 4,485 |
| Cash dividends to net income (ytd only)* | 122.6450% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6013% | 3,582 |
| Loan loss allowance to noncurrent loans | 77.4734% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 2.7897% | 2,173 |
| Noncurrent loans to loans | 2.0669% | 3,115 |
| Net loans and leases to total assets | 60.9635% | 3,798 |
| Net loans and leases to deposits | 71.8680% | 3,816 |
| Net loans and leases to core deposits | 77.4560% | 3,754 |
| Total domestic deposits to total assets | 84.8271% | 3,937 |
| Equity capital to assets | 7.9095% | 6,626 |
| Core capital (leverage) ratio | 7.9890% | 6,288 |
| Tier 1 risk-based capital ratio | 13.4090% | 4,763 |
| Total risk-based capital ratio | 14.6650% | 4,726 |
| Memoranda: | ||
| Average total assets | $197,259,200 | 3,084 |
| Average earning assets | $183,293,800 | 3,049 |
| Average equity | $17,058,400 | 3,568 |
| Average total loans | $126,077,600 | 3,060 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8166% | 3,956 |
| Cost of funding earning assets | 0.4767% | 6,790 |
| Net interest margin | 4.3399% | 1,587 |
| Noninterest income to average assets | 0.9436% | 1,505 |
| Noninterest expense to average assets | 2.8411% | 4,189 |
| Loan and lease loss provision to assets | 0.0410% | 5,927 |
| Net operating income to assets | 1.3479% | 1,272 |
| Return on assets (ROA) | 1.3479% | 1,361 |
| Pretax return on assets | 2.1085% | 511 |
| Return on Equity (ROE) | 15.2443% | 798 |
| Retained earnings to average equity (ytd only) | -0.2008% | 6,007 |
| Net charge-offs to loans | 0.1113% | 4,896 |
| Credit loss provision to net charge-offs | 57.1429% | 4,870 |
| Earnings coverage of net charge-offs (x) | 29.9802% | 936 |
| Efficiency ratio | 56.9298% | 6,160 |
| Assets per employee ($millions) | 3.5892% | 4,788 |
| Cash dividends to net income (ytd only)* | 101.3173% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6733% | 3,363 |
| Loan loss allowance to noncurrent loans | 76.0548% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 2.9736% | 2,159 |
| Noncurrent loans to loans | 2.2001% | 3,109 |
| Net loans and leases to total assets | 62.7811% | 3,549 |
| Net loans and leases to deposits | 73.3970% | 3,741 |
| Net loans and leases to core deposits | 79.1818% | 3,751 |
| Total domestic deposits to total assets | 85.5363% | 3,469 |
| Equity capital to assets | 8.5398% | 6,258 |
| Core capital (leverage) ratio | 8.3670% | 5,903 |
| Tier 1 risk-based capital ratio | 14.1471% | 4,236 |
| Total risk-based capital ratio | 15.4042% | 4,206 |
| Memoranda: | ||
| Average total assets | $195,268,750 | 3,130 |
| Average earning assets | $182,089,750 | 3,077 |
| Average equity | $17,265,000 | 3,542 |
| Average total loans | $125,810,500 | 3,084 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8279% | 3,965 |
| Cost of funding earning assets | 0.5065% | 6,825 |
| Net interest margin | 4.3214% | 1,592 |
| Noninterest income to average assets | 0.9540% | 1,451 |
| Noninterest expense to average assets | 2.9153% | 3,965 |
| Loan and lease loss provision to assets | 0.0617% | 5,531 |
| Net operating income to assets | 1.2726% | 1,390 |
| Return on assets (ROA) | 1.2726% | 1,456 |
| Pretax return on assets | 2.0025% | 587 |
| Return on Equity (ROE) | 14.2293% | 929 |
| Retained earnings to average equity (ytd only) | 14.2293% | 295 |
| Net charge-offs to loans | 0.2195% | 3,808 |
| Credit loss provision to net charge-offs | 43.4783% | 4,749 |
| Earnings coverage of net charge-offs (x) | 14.5507% | 1,475 |
| Efficiency ratio | 58.5467% | 6,095 |
| Assets per employee ($millions) | 3.5617% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6239% | 3,608 |
| Loan loss allowance to noncurrent loans | 70.5163% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 3.0823% | 2,175 |
| Noncurrent loans to loans | 2.3028% | 3,097 |
| Net loans and leases to total assets | 64.2025% | 3,418 |
| Net loans and leases to deposits | 77.7093% | 3,176 |
| Net loans and leases to core deposits | 84.8081% | 3,097 |
| Total domestic deposits to total assets | 82.6189% | 4,940 |
| Equity capital to assets | 9.2271% | 5,236 |
| Core capital (leverage) ratio | 9.1385% | 4,504 |
| Tier 1 risk-based capital ratio | 14.8193% | 3,600 |
| Total risk-based capital ratio | 16.0755% | 3,563 |
| Memoranda: | ||
| Average total assets | $194,556,670 | 3,158 |
| Average earning assets | $181,238,000 | 3,113 |
| Average equity | $17,400,670 | 3,510 |
| Average total loans | $125,733,330 | 3,107 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8057% | 4,031 |
| Cost of funding earning assets | 0.5308% | 6,861 |
| Net interest margin | 4.2750% | 1,648 |
| Noninterest income to average assets | 0.8582% | 1,824 |
| Noninterest expense to average assets | 2.9130% | 4,008 |
| Loan and lease loss provision to assets | 0.0206% | 5,693 |
| Net operating income to assets | 1.2894% | 1,297 |
| Return on assets (ROA) | 1.2894% | 1,340 |
| Pretax return on assets | 1.9124% | 662 |
| Return on Equity (ROE) | 14.6512% | 878 |
| Retained earnings to average equity (ytd only) | 14.6512% | 423 |
| Net charge-offs to loans | 0.1604% | 3,523 |
| Credit loss provision to net charge-offs | 20.0000% | 4,252 |
| Earnings coverage of net charge-offs (x) | 18.7400% | 1,170 |
| Efficiency ratio | 60.1107% | 5,969 |
| Assets per employee ($millions) | 3.6909% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6980% | 3,346 |
| Loan loss allowance to noncurrent loans | 130.9789% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 2.4504% | 2,775 |
| Noncurrent loans to loans | 1.2964% | 4,533 |
| Net loans and leases to total assets | 63.7682% | 3,480 |
| Net loans and leases to deposits | 77.6935% | 3,114 |
| Net loans and leases to core deposits | 85.7018% | 2,921 |
| Total domestic deposits to total assets | 82.0766% | 5,279 |
| Equity capital to assets | 9.0586% | 5,117 |
| Core capital (leverage) ratio | 8.8660% | 4,827 |
| Tier 1 risk-based capital ratio | 14.8801% | 3,490 |
| Total risk-based capital ratio | 16.1371% | 3,448 |
| Memoranda: | ||
| Average total assets | $193,889,500 | 3,189 |
| Average earning assets | $180,867,000 | 3,132 |
| Average equity | $17,063,500 | 3,551 |
| Average total loans | $124,678,500 | 3,163 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2639% | 3,302 |
| Cost of funding earning assets | 0.6927% | 6,908 |
| Net interest margin | 4.5711% | 1,077 |
| Noninterest income to average assets | 1.0604% | 1,332 |
| Noninterest expense to average assets | 3.2040% | 3,076 |
| Loan and lease loss provision to assets | 0.1038% | 6,104 |
| Net operating income to assets | 1.3796% | 989 |
| Return on assets (ROA) | 1.3796% | 1,059 |
| Pretax return on assets | 2.0281% | 454 |
| Return on Equity (ROE) | 15.6533% | 624 |
| Retained earnings to average equity (ytd only) | 15.6533% | 106 |
| Net charge-offs to loans | 0.3788% | 4,148 |
| Credit loss provision to net charge-offs | 40.1728% | 6,387 |
| Earnings coverage of net charge-offs (x) | 8.2505% | 1,994 |
| Efficiency ratio | 60.0460% | 6,038 |
| Assets per employee ($millions) | 3.9170% | 3,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7252% | 3,119 |
| Loan loss allowance to noncurrent loans | 148.4493% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 2.3482% | 2,921 |
| Noncurrent loans to loans | 1.1622% | 4,780 |
| Net loans and leases to total assets | 62.6497% | 4,136 |
| Net loans and leases to deposits | 75.1088% | 3,999 |
| Net loans and leases to core deposits | 83.2017% | 3,720 |
| Total domestic deposits to total assets | 83.4119% | 4,643 |
| Equity capital to assets | 8.5478% | 5,797 |
| Core capital (leverage) ratio | 8.6031% | 5,189 |
| Tier 1 risk-based capital ratio | 14.2085% | 3,735 |
| Total risk-based capital ratio | 15.4658% | 3,685 |
| Memoranda: | ||
| Average total assets | $179,180,200 | 3,393 |
| Average earning assets | $167,594,800 | 3,327 |
| Average equity | $15,792,200 | 3,805 |
| Average total loans | $122,239,200 | 3,274 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3622% | 3,065 |
| Cost of funding earning assets | 0.7305% | 6,970 |
| Net interest margin | 4.6317% | 974 |
| Noninterest income to average assets | 1.0788% | 1,231 |
| Noninterest expense to average assets | 3.0527% | 3,562 |
| Loan and lease loss provision to assets | 0.0571% | 6,496 |
| Net operating income to assets | 1.5717% | 782 |
| Return on assets (ROA) | 1.5717% | 860 |
| Pretax return on assets | 2.3015% | 339 |
| Return on Equity (ROE) | 17.6831% | 502 |
| Retained earnings to average equity (ytd only) | 17.6831% | 114 |
| Net charge-offs to loans | 0.2687% | 4,336 |
| Credit loss provision to net charge-offs | 30.6122% | 6,145 |
| Earnings coverage of net charge-offs (x) | 12.6367% | 1,668 |
| Efficiency ratio | 56.4128% | 6,500 |
| Assets per employee ($millions) | 3.8450% | 4,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8565% | 2,607 |
| Loan loss allowance to noncurrent loans | 326.2626% | 909 |
| Noncurrent assets plus other real estate owned to assets | 2.3012% | 3,077 |
| Noncurrent loans to loans | 0.5690% | 6,068 |
| Net loans and leases to total assets | 62.1737% | 4,492 |
| Net loans and leases to deposits | 75.1103% | 4,330 |
| Net loans and leases to core deposits | 83.7607% | 3,983 |
| Total domestic deposits to total assets | 82.7766% | 4,688 |
| Equity capital to assets | 8.6481% | 6,104 |
| Core capital (leverage) ratio | 8.9798% | 4,728 |
| Tier 1 risk-based capital ratio | 14.3261% | 3,613 |
| Total risk-based capital ratio | 15.5852% | 3,569 |
| Memoranda: | ||
| Average total assets | $175,012,500 | 3,496 |
| Average earning assets | $163,709,000 | 3,428 |
| Average equity | $15,555,000 | 3,890 |
| Average total loans | $121,585,500 | 3,338 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5226% | 2,432 |
| Cost of funding earning assets | 0.7696% | 7,007 |
| Net interest margin | 4.7530% | 719 |
| Noninterest income to average assets | 1.1426% | 998 |
| Noninterest expense to average assets | 3.1831% | 2,965 |
| Loan and lease loss provision to assets | 0.0886% | 6,038 |
| Net operating income to assets | 1.6187% | 694 |
| Return on assets (ROA) | 1.6187% | 750 |
| Pretax return on assets | 2.3147% | 328 |
| Return on Equity (ROE) | 18.0287% | 462 |
| Retained earnings to average equity (ytd only) | 18.0287% | 127 |
| Net charge-offs to loans | 0.4806% | 3,098 |
| Credit loss provision to net charge-offs | 25.6849% | 5,795 |
| Earnings coverage of net charge-offs (x) | 6.9658% | 2,378 |
| Efficiency ratio | 56.9797% | 6,510 |
| Assets per employee ($millions) | 3.2846% | 5,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8376% | 2,609 |
| Loan loss allowance to noncurrent loans | 185.5826% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 2.4887% | 2,893 |
| Noncurrent loans to loans | 0.9902% | 5,322 |
| Net loans and leases to total assets | 70.6014% | 2,769 |
| Net loans and leases to deposits | 86.2288% | 2,475 |
| Net loans and leases to core deposits | 97.6622% | 2,269 |
| Total domestic deposits to total assets | 81.8768% | 5,039 |
| Equity capital to assets | 9.4917% | 4,711 |
| Core capital (leverage) ratio | 9.3862% | 3,981 |
| Tier 1 risk-based capital ratio | 14.0186% | 3,719 |
| Total risk-based capital ratio | 15.2782% | 3,679 |
| Memoranda: | ||
| Average total assets | $169,266,670 | 3,606 |
| Average earning assets | $158,259,330 | 3,547 |
| Average equity | $15,198,000 | 3,954 |
| Average total loans | $121,517,330 | 3,378 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5472% | 2,373 |
| Cost of funding earning assets | 0.7903% | 7,117 |
| Net interest margin | 4.7569% | 697 |
| Noninterest income to average assets | 1.0344% | 1,193 |
| Noninterest expense to average assets | 3.2138% | 2,807 |
| Loan and lease loss provision to assets | 0.1763% | 4,758 |
| Net operating income to assets | 1.4835% | 917 |
| Return on assets (ROA) | 1.4835% | 988 |
| Pretax return on assets | 2.0877% | 516 |
| Return on Equity (ROE) | 17.0001% | 608 |
| Retained earnings to average equity (ytd only) | 17.0001% | 286 |
| Net charge-offs to loans | 0.7178% | 2,067 |
| Credit loss provision to net charge-offs | 34.2466% | 4,752 |
| Earnings coverage of net charge-offs (x) | 4.3973% | 2,634 |
| Efficiency ratio | 58.6695% | 6,384 |
| Assets per employee ($millions) | 3.3043% | 5,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9017% | 2,435 |
| Loan loss allowance to noncurrent loans | 122.6931% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 2.6312% | 2,769 |
| Noncurrent loans to loans | 1.5500% | 4,419 |
| Net loans and leases to total assets | 70.0068% | 2,938 |
| Net loans and leases to deposits | 84.0924% | 2,924 |
| Net loans and leases to core deposits | 94.7598% | 2,736 |
| Total domestic deposits to total assets | 83.2499% | 4,500 |
| Equity capital to assets | 8.9777% | 5,313 |
| Core capital (leverage) ratio | 8.9810% | 4,602 |
| Tier 1 risk-based capital ratio | 13.1862% | 4,218 |
| Total risk-based capital ratio | 14.4453% | 4,169 |
| Memoranda: | ||
| Average total assets | $170,142,500 | 3,656 |
| Average earning assets | $158,927,500 | 3,589 |
| Average equity | $14,847,000 | 4,049 |
| Average total loans | $122,035,000 | 3,430 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8391% | 2,488 |
| Cost of funding earning assets | 1.0166% | 7,179 |
| Net interest margin | 4.8225% | 658 |
| Noninterest income to average assets | 1.0031% | 1,561 |
| Noninterest expense to average assets | 2.8647% | 4,679 |
| Loan and lease loss provision to assets | 1.6241% | 1,409 |
| Net operating income to assets | 0.6875% | 2,987 |
| Return on assets (ROA) | 0.6875% | 3,049 |
| Pretax return on assets | 1.0631% | 2,362 |
| Return on Equity (ROE) | 7.9108% | 2,408 |
| Retained earnings to average equity (ytd only) | 7.9108% | 727 |
| Net charge-offs to loans | 1.8130% | 1,378 |
| Credit loss provision to net charge-offs | 118.3664% | 4,560 |
| Earnings coverage of net charge-offs (x) | 1.9585% | 4,255 |
| Efficiency ratio | 51.5985% | 7,421 |
| Assets per employee ($millions) | 3.1230% | 5,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9635% | 2,103 |
| Loan loss allowance to noncurrent loans | 123.6521% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 2.7951% | 2,501 |
| Noncurrent loans to loans | 1.5879% | 4,271 |
| Net loans and leases to total assets | 70.6643% | 3,084 |
| Net loans and leases to deposits | 84.0894% | 3,246 |
| Net loans and leases to core deposits | 99.9053% | 4,007 |
| Total domestic deposits to total assets | 84.0348% | 4,011 |
| Equity capital to assets | 8.4795% | 5,913 |
| Core capital (leverage) ratio | 8.7845% | 4,786 |
| Tier 1 risk-based capital ratio | 11.8110% | 5,102 |
| Total risk-based capital ratio | 13.0703% | 5,061 |
| Memoranda: | ||
| Average total assets | $165,080,200 | 3,688 |
| Average earning assets | $155,708,200 | 3,601 |
| Average equity | $14,347,400 | 4,179 |
| Average total loans | $124,930,800 | 3,377 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9086% | 2,412 |
| Cost of funding earning assets | 1.0578% | 7,270 |
| Net interest margin | 4.8508% | 623 |
| Noninterest income to average assets | 1.0052% | 1,589 |
| Noninterest expense to average assets | 2.8908% | 4,494 |
| Loan and lease loss provision to assets | 1.4214% | 1,353 |
| Net operating income to assets | 0.8714% | 2,531 |
| Return on assets (ROA) | 0.8714% | 2,603 |
| Pretax return on assets | 1.2843% | 1,993 |
| Return on Equity (ROE) | 9.9626% | 1,923 |
| Retained earnings to average equity (ytd only) | 9.9626% | 640 |
| Net charge-offs to loans | 1.6196% | 1,260 |
| Credit loss provision to net charge-offs | 114.5299% | 4,432 |
| Earnings coverage of net charge-offs (x) | 2.1801% | 4,192 |
| Efficiency ratio | 51.6548% | 7,437 |
| Assets per employee ($millions) | 3.1305% | 5,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8074% | 2,257 |
| Loan loss allowance to noncurrent loans | 51.0036% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 3.2079% | 2,113 |
| Noncurrent loans to loans | 3.5436% | 2,109 |
| Net loans and leases to total assets | 74.6265% | 2,330 |
| Net loans and leases to deposits | 89.1655% | 2,750 |
| Net loans and leases to core deposits | 107.3771% | 3,548 |
| Total domestic deposits to total assets | 83.6943% | 3,861 |
| Equity capital to assets | 8.9425% | 5,570 |
| Core capital (leverage) ratio | 8.6507% | 5,221 |
| Tier 1 risk-based capital ratio | 12.0172% | 4,962 |
| Total risk-based capital ratio | 13.2741% | 4,891 |
| Memoranda: | ||
| Average total assets | $163,408,500 | 3,734 |
| Average earning assets | $154,664,000 | 3,642 |
| Average equity | $14,293,000 | 4,230 |
| Average total loans | $125,211,250 | 3,399 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8893% | 2,635 |
| Cost of funding earning assets | 1.1099% | 7,357 |
| Net interest margin | 4.7794% | 680 |
| Noninterest income to average assets | 0.9852% | 1,646 |
| Noninterest expense to average assets | 2.8640% | 4,667 |
| Loan and lease loss provision to assets | 0.4425% | 3,336 |
| Net operating income to assets | 1.5414% | 766 |
| Return on assets (ROA) | 1.5414% | 821 |
| Pretax return on assets | 2.2003% | 358 |
| Return on Equity (ROE) | 17.7543% | 512 |
| Retained earnings to average equity (ytd only) | 17.7543% | 110 |
| Net charge-offs to loans | 0.2927% | 3,726 |
| Credit loss provision to net charge-offs | 196.7391% | 2,321 |
| Earnings coverage of net charge-offs (x) | 11.7500% | 1,876 |
| Efficiency ratio | 52.0089% | 7,514 |
| Assets per employee ($millions) | 3.3161% | 5,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7014% | 2,345 |
| Loan loss allowance to noncurrent loans | 40.4837% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 3.2671% | 1,908 |
| Noncurrent loans to loans | 4.2027% | 1,573 |
| Net loans and leases to total assets | 76.4145% | 2,077 |
| Net loans and leases to deposits | 92.5824% | 2,353 |
| Net loans and leases to core deposits | 108.2786% | 3,576 |
| Total domestic deposits to total assets | 82.5367% | 4,457 |
| Equity capital to assets | 8.9424% | 5,396 |
| Core capital (leverage) ratio | 8.6686% | 5,150 |
| Tier 1 risk-based capital ratio | 11.8003% | 5,101 |
| Total risk-based capital ratio | 13.0565% | 5,006 |
| Memoranda: | ||
| Average total assets | $163,616,670 | 3,748 |
| Average earning assets | $154,789,670 | 3,651 |
| Average equity | $14,205,000 | 4,262 |
| Average total loans | $125,709,670 | 3,427 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9461% | 2,577 |
| Cost of funding earning assets | 1.1518% | 7,408 |
| Net interest margin | 4.7944% | 617 |
| Noninterest income to average assets | 0.9451% | 1,667 |
| Noninterest expense to average assets | 2.8673% | 4,272 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6490% | 717 |
| Return on assets (ROA) | 1.6490% | 787 |
| Pretax return on assets | 2.6163% | 208 |
| Return on Equity (ROE) | 19.2889% | 479 |
| Retained earnings to average equity (ytd only) | 19.2889% | 187 |
| Net charge-offs to loans | 0.1128% | 4,066 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 30.3714% | 1,041 |
| Efficiency ratio | 52.2890% | 7,385 |
| Assets per employee ($millions) | 3.2710% | 5,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5758% | 2,624 |
| Loan loss allowance to noncurrent loans | 94.0618% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 1.2993% | 4,081 |
| Noncurrent loans to loans | 1.6752% | 3,745 |
| Net loans and leases to total assets | 72.7086% | 3,071 |
| Net loans and leases to deposits | 103.8771% | 1,014 |
| Net loans and leases to core deposits | 121.4338% | 2,300 |
| Total domestic deposits to total assets | 69.9948% | 7,426 |
| Equity capital to assets | 8.3636% | 6,295 |
| Core capital (leverage) ratio | 8.5542% | 5,424 |
| Tier 1 risk-based capital ratio | 11.1980% | 5,702 |
| Total risk-based capital ratio | 12.4518% | 5,615 |
| Memoranda: | ||
| Average total assets | $162,522,500 | 3,785 |
| Average earning assets | $153,847,500 | 3,681 |
| Average equity | $13,894,000 | 4,357 |
| Average total loans | $124,118,500 | 3,483 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8980% | 1,404 |
| Cost of funding earning assets | 1.7860% | 7,043 |
| Net interest margin | 5.1119% | 391 |
| Noninterest income to average assets | 1.0023% | 1,569 |
| Noninterest expense to average assets | 2.9869% | 4,123 |
| Loan and lease loss provision to assets | 0.7147% | 2,068 |
| Net operating income to assets | 1.2532% | 1,628 |
| Return on assets (ROA) | 1.2532% | 1,569 |
| Pretax return on assets | 2.0945% | 490 |
| Return on Equity (ROE) | 15.3803% | 870 |
| Retained earnings to average equity (ytd only) | 15.3803% | 81 |
| Net charge-offs to loans | 0.2477% | 3,794 |
| Credit loss provision to net charge-offs | 371.9424% | 1,188 |
| Earnings coverage of net charge-offs (x) | 14.6187% | 2,024 |
| Efficiency ratio | 51.5325% | 7,539 |
| Assets per employee ($millions) | 2.9798% | 6,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6438% | 2,084 |
| Loan loss allowance to noncurrent loans | 91.8414% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.4159% | 3,365 |
| Noncurrent loans to loans | 1.7898% | 3,078 |
| Net loans and leases to total assets | 77.8110% | 2,193 |
| Net loans and leases to deposits | 120.8869% | 369 |
| Net loans and leases to core deposits | 135.0595% | 1,531 |
| Total domestic deposits to total assets | 64.3668% | 7,767 |
| Equity capital to assets | 8.7524% | 5,728 |
| Core capital (leverage) ratio | 8.9682% | 4,783 |
| Tier 1 risk-based capital ratio | 11.1159% | 5,628 |
| Total risk-based capital ratio | 12.3708% | 5,506 |
| Memoranda: | ||
| Average total assets | $144,666,400 | 3,998 |
| Average earning assets | $135,662,800 | 3,940 |
| Average equity | $11,787,800 | 4,893 |
| Average total loans | $112,246,200 | 3,630 |