Home > The Farmers National Bank of Scottsville > Performance and Condition Ratios
The Farmers National Bank of Scottsville, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8894% | 1,785 |
| Cost of funding earning assets | 0.7818% | 2,766 |
| Net interest margin | 4.1076% | 1,522 |
| Noninterest income to average assets | 0.6617% | 1,956 |
| Noninterest expense to average assets | 3.1257% | 1,704 |
| Loan and lease loss provision to assets | 0.0166% | 3,687 |
| Net operating income to assets | 1.1096% | 2,403 |
| Return on assets (ROA) | 1.1099% | 2,493 |
| Pretax return on assets | 1.3588% | 2,302 |
| Return on Equity (ROE) | 6.9533% | 3,558 |
| Retained earnings to average equity (ytd only) | 3.7584% | 3,099 |
| Net charge-offs to loans | 0.0198% | 3,027 |
| Credit loss provision to net charge-offs | 120.0000% | 2,108 |
| Earnings coverage of net charge-offs (x) | 99.1429% | 684 |
| Efficiency ratio | 69.4488% | 2,255 |
| Assets per employee ($millions) | 4.0503% | 3,845 |
| Cash dividends to net income (ytd only)* | 45.9479% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0666% | 3,126 |
| Loan loss allowance to noncurrent loans | 206.1688% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 2,953 |
| Noncurrent loans to loans | 0.5173% | 2,632 |
| Net loans and leases to total assets | 69.2466% | 2,511 |
| Net loans and leases to deposits | 85.7936% | 2,120 |
| Net loans and leases to core deposits | 90.0744% | 2,419 |
| Total domestic deposits to total assets | 80.7130% | 3,831 |
| Equity capital to assets | 16.1213% | 581 |
| Core capital (leverage) ratio | 15.8930% | 538 |
| Tier 1 risk-based capital ratio | 21.0455% | 1,159 |
| Total risk-based capital ratio | 22.0303% | 1,175 |
| Memoranda: | ||
| Average total assets | $252,362,200 | 2,444 |
| Average earning assets | $235,856,600 | 2,439 |
| Average equity | $40,282,800 | 1,920 |
| Average total loans | $176,835,800 | 2,354 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8971% | 1,826 |
| Cost of funding earning assets | 0.7743% | 2,846 |
| Net interest margin | 4.1227% | 1,567 |
| Noninterest income to average assets | 0.6649% | 1,931 |
| Noninterest expense to average assets | 2.9812% | 2,027 |
| Loan and lease loss provision to assets | 0.0223% | 3,467 |
| Net operating income to assets | 1.2683% | 1,957 |
| Return on assets (ROA) | 1.2683% | 2,033 |
| Pretax return on assets | 1.5147% | 1,913 |
| Return on Equity (ROE) | 7.9660% | 3,322 |
| Retained earnings to average equity (ytd only) | 5.5869% | 2,580 |
| Net charge-offs to loans | 0.0257% | 2,584 |
| Credit loss provision to net charge-offs | 123.5294% | 1,907 |
| Earnings coverage of net charge-offs (x) | 85.3276% | 827 |
| Efficiency ratio | 65.9826% | 2,727 |
| Assets per employee ($millions) | 3.9253% | 3,994 |
| Cash dividends to net income (ytd only)* | 29.8664% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 3,075 |
| Loan loss allowance to noncurrent loans | 179.0610% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.4239% | 2,814 |
| Noncurrent loans to loans | 0.6091% | 2,456 |
| Net loans and leases to total assets | 68.8424% | 2,651 |
| Net loans and leases to deposits | 85.6539% | 2,237 |
| Net loans and leases to core deposits | 89.5271% | 2,584 |
| Total domestic deposits to total assets | 80.3727% | 3,901 |
| Equity capital to assets | 16.3978% | 570 |
| Core capital (leverage) ratio | 16.1750% | 537 |
| Tier 1 risk-based capital ratio | 21.0619% | 1,187 |
| Total risk-based capital ratio | 22.0444% | 1,191 |
| Memoranda: | ||
| Average total assets | $251,659,750 | 2,470 |
| Average earning assets | $235,210,000 | 2,456 |
| Average equity | $40,069,250 | 1,934 |
| Average total loans | $176,394,000 | 2,384 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8640% | 1,867 |
| Cost of funding earning assets | 0.7569% | 2,862 |
| Net interest margin | 4.1071% | 1,587 |
| Noninterest income to average assets | 0.6291% | 2,026 |
| Noninterest expense to average assets | 3.0547% | 1,852 |
| Loan and lease loss provision to assets | 0.0191% | 3,409 |
| Net operating income to assets | 1.1763% | 2,237 |
| Return on assets (ROA) | 1.1763% | 2,310 |
| Pretax return on assets | 1.3955% | 2,221 |
| Return on Equity (ROE) | 7.4620% | 3,516 |
| Retained earnings to average equity (ytd only) | 3.8595% | 3,318 |
| Net charge-offs to loans | 0.0305% | 2,245 |
| Credit loss provision to net charge-offs | 88.8889% | 2,146 |
| Earnings coverage of net charge-offs (x) | 65.9630% | 937 |
| Efficiency ratio | 68.3490% | 2,476 |
| Assets per employee ($millions) | 3.8852% | 4,020 |
| Cash dividends to net income (ytd only)* | 48.2782% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 3,276 |
| Loan loss allowance to noncurrent loans | 204.2026% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.3675% | 3,054 |
| Noncurrent loans to loans | 0.5202% | 2,720 |
| Net loans and leases to total assets | 69.8897% | 2,545 |
| Net loans and leases to deposits | 86.5428% | 2,198 |
| Net loans and leases to core deposits | 91.9055% | 2,427 |
| Total domestic deposits to total assets | 80.7574% | 3,882 |
| Equity capital to assets | 15.9358% | 625 |
| Core capital (leverage) ratio | 15.8870% | 560 |
| Tier 1 risk-based capital ratio | 20.1240% | 1,328 |
| Total risk-based capital ratio | 21.0782% | 1,353 |
| Memoranda: | ||
| Average total assets | $251,807,670 | 2,480 |
| Average earning assets | $235,445,330 | 2,462 |
| Average equity | $39,694,330 | 1,950 |
| Average total loans | $176,908,670 | 2,380 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8948% | 1,605 |
| Cost of funding earning assets | 0.7377% | 2,847 |
| Net interest margin | 4.1571% | 1,413 |
| Noninterest income to average assets | 0.6284% | 1,922 |
| Noninterest expense to average assets | 3.0019% | 1,991 |
| Loan and lease loss provision to assets | 0.0191% | 3,199 |
| Net operating income to assets | 1.2536% | 1,875 |
| Return on assets (ROA) | 1.2536% | 1,920 |
| Pretax return on assets | 1.4890% | 1,806 |
| Return on Equity (ROE) | 7.9960% | 3,265 |
| Retained earnings to average equity (ytd only) | 7.9960% | 1,660 |
| Net charge-offs to loans | 0.1044% | 1,115 |
| Credit loss provision to net charge-offs | 26.0870% | 2,110 |
| Earnings coverage of net charge-offs (x) | 20.6087% | 1,550 |
| Efficiency ratio | 66.5608% | 2,860 |
| Assets per employee ($millions) | 3.8100% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 3,265 |
| Loan loss allowance to noncurrent loans | 212.3007% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.3492% | 3,208 |
| Noncurrent loans to loans | 0.5060% | 2,791 |
| Net loans and leases to total assets | 68.2618% | 2,721 |
| Net loans and leases to deposits | 84.5988% | 2,314 |
| Net loans and leases to core deposits | 89.8527% | 2,519 |
| Total domestic deposits to total assets | 80.6888% | 4,023 |
| Equity capital to assets | 15.8896% | 589 |
| Core capital (leverage) ratio | 16.0240% | 530 |
| Tier 1 risk-based capital ratio | 20.3058% | 1,282 |
| Total risk-based capital ratio | 21.2524% | 1,315 |
| Memoranda: | ||
| Average total assets | $251,442,500 | 2,497 |
| Average earning assets | $234,781,000 | 2,493 |
| Average equity | $39,419,500 | 1,947 |
| Average total loans | $176,166,500 | 2,408 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7249% | 1,746 |
| Cost of funding earning assets | 0.6401% | 2,460 |
| Net interest margin | 4.0848% | 1,732 |
| Noninterest income to average assets | 0.6278% | 2,158 |
| Noninterest expense to average assets | 2.8805% | 2,418 |
| Loan and lease loss provision to assets | 0.0145% | 3,856 |
| Net operating income to assets | 1.2975% | 1,813 |
| Return on assets (ROA) | 1.2982% | 1,799 |
| Pretax return on assets | 1.5397% | 1,654 |
| Return on Equity (ROE) | 8.5198% | 3,212 |
| Retained earnings to average equity (ytd only) | 5.5023% | 2,481 |
| Net charge-offs to loans | 0.0063% | 3,473 |
| Credit loss provision to net charge-offs | 327.2727% | 957 |
| Earnings coverage of net charge-offs (x) | 351.3636% | 294 |
| Efficiency ratio | 64.9656% | 3,031 |
| Assets per employee ($millions) | 3.7526% | 4,243 |
| Cash dividends to net income (ytd only)* | 35.4180% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 3,316 |
| Loan loss allowance to noncurrent loans | 193.6735% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 3,000 |
| Noncurrent loans to loans | 0.5480% | 2,633 |
| Net loans and leases to total assets | 70.3669% | 2,517 |
| Net loans and leases to deposits | 87.5287% | 2,113 |
| Net loans and leases to core deposits | 93.0918% | 2,309 |
| Total domestic deposits to total assets | 80.3930% | 4,014 |
| Equity capital to assets | 15.4650% | 622 |
| Core capital (leverage) ratio | 15.5733% | 586 |
| Tier 1 risk-based capital ratio | 19.5239% | 1,396 |
| Total risk-based capital ratio | 20.4693% | 1,435 |
| Memoranda: | ||
| Average total assets | $248,810,200 | 2,479 |
| Average earning assets | $231,834,600 | 2,471 |
| Average equity | $37,911,600 | 1,944 |
| Average total loans | $175,826,200 | 2,365 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6647% | 1,783 |
| Cost of funding earning assets | 0.6137% | 2,381 |
| Net interest margin | 4.0510% | 1,791 |
| Noninterest income to average assets | 0.6345% | 2,143 |
| Noninterest expense to average assets | 2.8159% | 2,583 |
| Loan and lease loss provision to assets | 0.0145% | 3,718 |
| Net operating income to assets | 1.3316% | 1,734 |
| Return on assets (ROA) | 1.3325% | 1,743 |
| Pretax return on assets | 1.5785% | 1,641 |
| Return on Equity (ROE) | 8.7780% | 3,204 |
| Retained earnings to average equity (ytd only) | 6.7534% | 2,261 |
| Net charge-offs to loans | -0.0122% | 4,450 |
| Credit loss provision to net charge-offs | -168.7500% | 4,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8835% | 3,205 |
| Assets per employee ($millions) | 3.7184% | 4,285 |
| Cash dividends to net income (ytd only)* | 23.0646% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 3,370 |
| Loan loss allowance to noncurrent loans | 122.5848% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.6274% | 2,299 |
| Noncurrent loans to loans | 0.8710% | 1,959 |
| Net loans and leases to total assets | 71.2610% | 2,453 |
| Net loans and leases to deposits | 88.4033% | 2,101 |
| Net loans and leases to core deposits | 93.6648% | 2,326 |
| Total domestic deposits to total assets | 80.6089% | 3,975 |
| Equity capital to assets | 15.4234% | 633 |
| Core capital (leverage) ratio | 15.7419% | 560 |
| Tier 1 risk-based capital ratio | 19.3890% | 1,454 |
| Total risk-based capital ratio | 20.3411% | 1,485 |
| Memoranda: | ||
| Average total assets | $248,156,500 | 2,500 |
| Average earning assets | $231,149,500 | 2,493 |
| Average equity | $37,668,750 | 1,958 |
| Average total loans | $175,078,250 | 2,387 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4676% | 2,190 |
| Cost of funding earning assets | 0.5850% | 2,328 |
| Net interest margin | 3.8826% | 2,268 |
| Noninterest income to average assets | 0.7368% | 1,700 |
| Noninterest expense to average assets | 2.8754% | 2,426 |
| Loan and lease loss provision to assets | 0.0145% | 3,586 |
| Net operating income to assets | 1.2415% | 2,023 |
| Return on assets (ROA) | 1.2436% | 2,007 |
| Pretax return on assets | 1.4647% | 1,944 |
| Return on Equity (ROE) | 8.2370% | 3,402 |
| Retained earnings to average equity (ytd only) | 5.1795% | 2,983 |
| Net charge-offs to loans | -0.0161% | 4,481 |
| Credit loss provision to net charge-offs | -128.5714% | 4,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0671% | 2,966 |
| Assets per employee ($millions) | 3.6864% | 4,366 |
| Cash dividends to net income (ytd only)* | 37.1188% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 3,322 |
| Loan loss allowance to noncurrent loans | 162.2128% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.4757% | 2,853 |
| Noncurrent loans to loans | 0.6723% | 2,426 |
| Net loans and leases to total assets | 69.9853% | 2,584 |
| Net loans and leases to deposits | 86.3645% | 2,275 |
| Net loans and leases to core deposits | 91.2771% | 2,461 |
| Total domestic deposits to total assets | 81.0348% | 3,989 |
| Equity capital to assets | 15.2549% | 641 |
| Core capital (leverage) ratio | 15.4055% | 588 |
| Tier 1 risk-based capital ratio | 19.5113% | 1,428 |
| Total risk-based capital ratio | 20.4879% | 1,448 |
| Memoranda: | ||
| Average total assets | $247,830,330 | 2,515 |
| Average earning assets | $230,771,330 | 2,507 |
| Average equity | $37,416,670 | 1,971 |
| Average total loans | $173,620,330 | 2,413 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3705% | 2,292 |
| Cost of funding earning assets | 0.5545% | 2,361 |
| Net interest margin | 3.8159% | 2,354 |
| Noninterest income to average assets | 0.7057% | 1,801 |
| Noninterest expense to average assets | 2.8713% | 2,464 |
| Loan and lease loss provision to assets | 0.0145% | 3,343 |
| Net operating income to assets | 1.1657% | 2,154 |
| Return on assets (ROA) | 1.1698% | 2,148 |
| Pretax return on assets | 1.3728% | 2,090 |
| Return on Equity (ROE) | 7.7884% | 3,471 |
| Retained earnings to average equity (ytd only) | 7.7884% | 1,923 |
| Net charge-offs to loans | 0.0046% | 2,566 |
| Credit loss provision to net charge-offs | 450.0000% | 637 |
| Earnings coverage of net charge-offs (x) | 429.0000% | 153 |
| Efficiency ratio | 67.5000% | 2,917 |
| Assets per employee ($millions) | 3.7478% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 3,504 |
| Loan loss allowance to noncurrent loans | 154.4335% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.5159% | 2,803 |
| Noncurrent loans to loans | 0.6992% | 2,462 |
| Net loans and leases to total assets | 69.6615% | 2,536 |
| Net loans and leases to deposits | 85.6826% | 2,204 |
| Net loans and leases to core deposits | 90.3534% | 2,424 |
| Total domestic deposits to total assets | 81.3018% | 4,133 |
| Equity capital to assets | 15.1308% | 643 |
| Core capital (leverage) ratio | 15.3607% | 579 |
| Tier 1 risk-based capital ratio | 19.2238% | 1,500 |
| Total risk-based capital ratio | 20.1794% | 1,533 |
| Memoranda: | ||
| Average total assets | $248,251,000 | 2,531 |
| Average earning assets | $230,821,500 | 2,526 |
| Average equity | $37,286,000 | 1,986 |
| Average total loans | $173,049,500 | 2,437 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3412% | 2,206 |
| Cost of funding earning assets | 0.4910% | 2,418 |
| Net interest margin | 3.8502% | 2,252 |
| Noninterest income to average assets | 0.7469% | 1,784 |
| Noninterest expense to average assets | 2.9535% | 2,283 |
| Loan and lease loss provision to assets | 0.0375% | 3,518 |
| Net operating income to assets | 0.8277% | 3,047 |
| Return on assets (ROA) | 0.8272% | 3,088 |
| Pretax return on assets | 1.3160% | 2,289 |
| Return on Equity (ROE) | 5.5124% | 3,955 |
| Retained earnings to average equity (ytd only) | 2.4377% | 3,872 |
| Net charge-offs to loans | 0.0123% | 3,652 |
| Credit loss provision to net charge-offs | 465.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 167.9000% | 446 |
| Efficiency ratio | 68.5610% | 2,783 |
| Assets per employee ($millions) | 3.7186% | 4,407 |
| Cash dividends to net income (ytd only)* | 55.7777% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 3,404 |
| Loan loss allowance to noncurrent loans | 149.9200% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 2,805 |
| Noncurrent loans to loans | 0.7271% | 2,390 |
| Net loans and leases to total assets | 68.2459% | 2,788 |
| Net loans and leases to deposits | 84.2669% | 2,462 |
| Net loans and leases to core deposits | 88.8415% | 2,661 |
| Total domestic deposits to total assets | 80.9879% | 4,123 |
| Equity capital to assets | 14.9089% | 694 |
| Core capital (leverage) ratio | 14.7611% | 668 |
| Tier 1 risk-based capital ratio | 19.1275% | 1,483 |
| Total risk-based capital ratio | 20.0933% | 1,513 |
| Memoranda: | ||
| Average total assets | $247,941,800 | 2,504 |
| Average earning assets | $229,312,200 | 2,501 |
| Average equity | $37,206,800 | 1,965 |
| Average total loans | $163,104,400 | 2,505 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2911% | 2,290 |
| Cost of funding earning assets | 0.4660% | 2,560 |
| Net interest margin | 3.8251% | 2,302 |
| Noninterest income to average assets | 0.7495% | 1,786 |
| Noninterest expense to average assets | 2.8917% | 2,441 |
| Loan and lease loss provision to assets | 0.0291% | 3,545 |
| Net operating income to assets | 1.0599% | 2,287 |
| Return on assets (ROA) | 1.0590% | 2,326 |
| Pretax return on assets | 1.3627% | 2,237 |
| Return on Equity (ROE) | 7.0458% | 3,635 |
| Retained earnings to average equity (ytd only) | 4.9969% | 2,889 |
| Net charge-offs to loans | 0.0075% | 3,466 |
| Credit loss provision to net charge-offs | 600.0000% | 544 |
| Earnings coverage of net charge-offs (x) | 287.4375% | 315 |
| Efficiency ratio | 67.4918% | 2,968 |
| Assets per employee ($millions) | 3.7214% | 4,418 |
| Cash dividends to net income (ytd only)* | 29.0799% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 3,420 |
| Loan loss allowance to noncurrent loans | 143.9938% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.5142% | 3,007 |
| Noncurrent loans to loans | 0.7733% | 2,433 |
| Net loans and leases to total assets | 65.7518% | 3,136 |
| Net loans and leases to deposits | 81.2820% | 2,848 |
| Net loans and leases to core deposits | 85.8110% | 2,986 |
| Total domestic deposits to total assets | 80.8934% | 4,080 |
| Equity capital to assets | 15.3036% | 675 |
| Core capital (leverage) ratio | 15.2740% | 612 |
| Tier 1 risk-based capital ratio | 19.8568% | 1,391 |
| Total risk-based capital ratio | 20.8315% | 1,426 |
| Memoranda: | ||
| Average total assets | $247,640,750 | 2,524 |
| Average earning assets | $228,868,750 | 2,531 |
| Average equity | $37,222,250 | 1,975 |
| Average total loans | $160,904,000 | 2,553 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2558% | 2,262 |
| Cost of funding earning assets | 0.4352% | 2,751 |
| Net interest margin | 3.8206% | 2,206 |
| Noninterest income to average assets | 0.7212% | 1,902 |
| Noninterest expense to average assets | 2.9635% | 2,219 |
| Loan and lease loss provision to assets | 0.0316% | 3,366 |
| Net operating income to assets | 0.9888% | 2,478 |
| Return on assets (ROA) | 0.9875% | 2,534 |
| Pretax return on assets | 1.2490% | 2,585 |
| Return on Equity (ROE) | 6.6106% | 3,775 |
| Retained earnings to average equity (ytd only) | 3.5112% | 3,618 |
| Net charge-offs to loans | 0.0088% | 3,146 |
| Credit loss provision to net charge-offs | 557.1429% | 601 |
| Earnings coverage of net charge-offs (x) | 226.2857% | 371 |
| Efficiency ratio | 69.7998% | 2,702 |
| Assets per employee ($millions) | 3.6088% | 4,563 |
| Cash dividends to net income (ytd only)* | 46.8852% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 3,414 |
| Loan loss allowance to noncurrent loans | 159.5300% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.4682% | 3,237 |
| Noncurrent loans to loans | 0.7092% | 2,630 |
| Net loans and leases to total assets | 65.2744% | 3,219 |
| Net loans and leases to deposits | 82.4191% | 2,661 |
| Net loans and leases to core deposits | 86.1135% | 2,867 |
| Total domestic deposits to total assets | 79.1981% | 4,583 |
| Equity capital to assets | 15.2929% | 656 |
| Core capital (leverage) ratio | 15.0645% | 617 |
| Tier 1 risk-based capital ratio | 19.4978% | 1,477 |
| Total risk-based capital ratio | 20.4674% | 1,489 |
| Memoranda: | ||
| Average total assets | $247,076,670 | 2,538 |
| Average earning assets | $227,924,000 | 2,548 |
| Average equity | $36,910,670 | 1,982 |
| Average total loans | $159,276,330 | 2,573 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2047% | 2,266 |
| Cost of funding earning assets | 0.4333% | 2,679 |
| Net interest margin | 3.7713% | 2,216 |
| Noninterest income to average assets | 0.7067% | 1,935 |
| Noninterest expense to average assets | 2.8881% | 2,492 |
| Loan and lease loss provision to assets | 0.0403% | 2,998 |
| Net operating income to assets | 1.0071% | 2,275 |
| Return on assets (ROA) | 1.0020% | 2,344 |
| Pretax return on assets | 1.2682% | 2,358 |
| Return on Equity (ROE) | 6.7866% | 3,504 |
| Retained earnings to average equity (ytd only) | 6.7866% | 1,937 |
| Net charge-offs to loans | 0.0051% | 2,798 |
| Credit loss provision to net charge-offs | 1,250.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 407.5000% | 140 |
| Efficiency ratio | 68.7140% | 3,096 |
| Assets per employee ($millions) | 3.7304% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 3,513 |
| Loan loss allowance to noncurrent loans | 154.9703% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 3,334 |
| Noncurrent loans to loans | 0.7297% | 2,672 |
| Net loans and leases to total assets | 63.8080% | 3,302 |
| Net loans and leases to deposits | 80.0547% | 2,749 |
| Net loans and leases to core deposits | 82.2436% | 3,070 |
| Total domestic deposits to total assets | 79.7054% | 4,680 |
| Equity capital to assets | 14.8296% | 687 |
| Core capital (leverage) ratio | 14.9498% | 617 |
| Tier 1 risk-based capital ratio | 19.5643% | 1,484 |
| Total risk-based capital ratio | 20.5332% | 1,516 |
| Memoranda: | ||
| Average total assets | $247,914,500 | 2,558 |
| Average earning assets | $229,840,000 | 2,555 |
| Average equity | $36,601,500 | 2,001 |
| Average total loans | $157,906,000 | 2,606 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2225% | 2,413 |
| Cost of funding earning assets | 0.4800% | 2,258 |
| Net interest margin | 3.7425% | 2,530 |
| Noninterest income to average assets | 0.7954% | 1,759 |
| Noninterest expense to average assets | 2.9555% | 2,478 |
| Loan and lease loss provision to assets | 0.0243% | 3,872 |
| Net operating income to assets | 1.0221% | 2,250 |
| Return on assets (ROA) | 1.0234% | 2,349 |
| Pretax return on assets | 1.2870% | 2,322 |
| Return on Equity (ROE) | 6.7856% | 3,592 |
| Retained earnings to average equity (ytd only) | -6.9574% | 5,729 |
| Net charge-offs to loans | 0.0155% | 3,777 |
| Credit loss provision to net charge-offs | 250.0000% | 1,154 |
| Earnings coverage of net charge-offs (x) | 134.7500% | 465 |
| Efficiency ratio | 69.2936% | 3,023 |
| Assets per employee ($millions) | 3.6160% | 4,585 |
| Cash dividends to net income (ytd only)* | 202.5326% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1656% | 3,334 |
| Loan loss allowance to noncurrent loans | 640.9253% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 4,856 |
| Noncurrent loans to loans | 0.1819% | 4,509 |
| Net loans and leases to total assets | 62.1034% | 3,604 |
| Net loans and leases to deposits | 76.2832% | 3,291 |
| Net loans and leases to core deposits | 78.2578% | 3,554 |
| Total domestic deposits to total assets | 81.4116% | 4,228 |
| Equity capital to assets | 14.6968% | 690 |
| Core capital (leverage) ratio | 14.6954% | 653 |
| Tier 1 risk-based capital ratio | 20.0712% | 1,362 |
| Total risk-based capital ratio | 21.0695% | 1,379 |
| Memoranda: | ||
| Average total assets | $246,929,800 | 2,532 |
| Average earning assets | $228,938,200 | 2,523 |
| Average equity | $37,240,800 | 1,965 |
| Average total loans | $155,267,200 | 2,577 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2364% | 2,388 |
| Cost of funding earning assets | 0.4878% | 2,193 |
| Net interest margin | 3.7486% | 2,524 |
| Noninterest income to average assets | 0.7692% | 1,888 |
| Noninterest expense to average assets | 2.9094% | 2,615 |
| Loan and lease loss provision to assets | 0.0243% | 3,763 |
| Net operating income to assets | 1.0458% | 2,217 |
| Return on assets (ROA) | 1.0475% | 2,340 |
| Pretax return on assets | 1.3150% | 2,368 |
| Return on Equity (ROE) | 6.9017% | 3,611 |
| Retained earnings to average equity (ytd only) | -9.2508% | 5,841 |
| Net charge-offs to loans | 0.0206% | 3,288 |
| Credit loss provision to net charge-offs | 187.5000% | 1,500 |
| Earnings coverage of net charge-offs (x) | 103.2891% | 640 |
| Efficiency ratio | 68.5126% | 3,138 |
| Assets per employee ($millions) | 3.5270% | 4,741 |
| Cash dividends to net income (ytd only)* | 234.0370% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 3,361 |
| Loan loss allowance to noncurrent loans | 866.9903% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 5,037 |
| Noncurrent loans to loans | 0.1363% | 4,796 |
| Net loans and leases to total assets | 61.3652% | 3,704 |
| Net loans and leases to deposits | 76.1864% | 3,382 |
| Net loans and leases to core deposits | 78.4261% | 3,618 |
| Total domestic deposits to total assets | 80.5462% | 4,376 |
| Equity capital to assets | 15.3073% | 670 |
| Core capital (leverage) ratio | 14.7592% | 676 |
| Tier 1 risk-based capital ratio | 20.2647% | 1,395 |
| Total risk-based capital ratio | 21.2645% | 1,403 |
| Memoranda: | ||
| Average total assets | $247,189,750 | 2,540 |
| Average earning assets | $229,307,000 | 2,526 |
| Average equity | $37,516,500 | 1,964 |
| Average total loans | $155,457,250 | 2,576 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2113% | 2,480 |
| Cost of funding earning assets | 0.4936% | 2,160 |
| Net interest margin | 3.7177% | 2,621 |
| Noninterest income to average assets | 0.7212% | 2,044 |
| Noninterest expense to average assets | 2.9364% | 2,563 |
| Loan and lease loss provision to assets | 0.0241% | 3,647 |
| Net operating income to assets | 0.9764% | 2,489 |
| Return on assets (ROA) | 0.9796% | 2,619 |
| Pretax return on assets | 1.2147% | 2,728 |
| Return on Equity (ROE) | 6.4726% | 3,816 |
| Retained earnings to average equity (ytd only) | -17.6999% | 5,957 |
| Net charge-offs to loans | 0.0076% | 3,425 |
| Credit loss provision to net charge-offs | 500.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 255.6667% | 264 |
| Efficiency ratio | 70.3975% | 2,921 |
| Assets per employee ($millions) | 3.5835% | 4,621 |
| Cash dividends to net income (ytd only)* | 373.4593% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 3,622 |
| Loan loss allowance to noncurrent loans | 562.5786% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 4,215 |
| Noncurrent loans to loans | 0.2051% | 4,624 |
| Net loans and leases to total assets | 61.9925% | 3,628 |
| Net loans and leases to deposits | 76.3595% | 3,340 |
| Net loans and leases to core deposits | 78.3544% | 3,618 |
| Total domestic deposits to total assets | 81.1851% | 4,219 |
| Equity capital to assets | 14.8502% | 768 |
| Core capital (leverage) ratio | 14.2646% | 755 |
| Tier 1 risk-based capital ratio | 19.3574% | 1,608 |
| Total risk-based capital ratio | 20.3336% | 1,641 |
| Memoranda: | ||
| Average total assets | $248,466,000 | 2,545 |
| Average earning assets | $230,571,000 | 2,531 |
| Average equity | $37,604,670 | 1,962 |
| Average total loans | $156,901,330 | 2,563 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2238% | 2,392 |
| Cost of funding earning assets | 0.5012% | 2,095 |
| Net interest margin | 3.7226% | 2,584 |
| Noninterest income to average assets | 0.7275% | 1,916 |
| Noninterest expense to average assets | 2.8667% | 2,827 |
| Loan and lease loss provision to assets | 0.0241% | 3,368 |
| Net operating income to assets | 1.0343% | 2,145 |
| Return on assets (ROA) | 1.0343% | 2,268 |
| Pretax return on assets | 1.2960% | 2,324 |
| Return on Equity (ROE) | 6.7705% | 3,578 |
| Retained earnings to average equity (ytd only) | -35.2822% | 6,044 |
| Net charge-offs to loans | 0.0177% | 2,581 |
| Credit loss provision to net charge-offs | 214.2857% | 1,030 |
| Earnings coverage of net charge-offs (x) | 117.4286% | 480 |
| Efficiency ratio | 68.4695% | 3,381 |
| Assets per employee ($millions) | 3.6935% | 4,483 |
| Cash dividends to net income (ytd only)* | 621.1180% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 3,887 |
| Loan loss allowance to noncurrent loans | 402.0408% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3940% | 4,013 |
| Noncurrent loans to loans | 0.2809% | 4,425 |
| Net loans and leases to total assets | 62.7137% | 3,426 |
| Net loans and leases to deposits | 76.8878% | 3,121 |
| Net loans and leases to core deposits | 78.7996% | 3,420 |
| Total domestic deposits to total assets | 81.5651% | 4,342 |
| Equity capital to assets | 14.7414% | 760 |
| Core capital (leverage) ratio | 14.0653% | 793 |
| Tier 1 risk-based capital ratio | 19.1687% | 1,692 |
| Total risk-based capital ratio | 20.1275% | 1,726 |
| Memoranda: | ||
| Average total assets | $249,068,000 | 2,549 |
| Average earning assets | $231,453,000 | 2,536 |
| Average equity | $38,047,500 | 1,928 |
| Average total loans | $157,815,500 | 2,554 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1355% | 2,789 |
| Cost of funding earning assets | 0.5435% | 1,820 |
| Net interest margin | 3.5921% | 3,172 |
| Noninterest income to average assets | 0.8458% | 1,623 |
| Noninterest expense to average assets | 2.8866% | 2,899 |
| Loan and lease loss provision to assets | 0.0172% | 4,067 |
| Net operating income to assets | 1.0151% | 2,283 |
| Return on assets (ROA) | 1.0196% | 2,334 |
| Pretax return on assets | 1.2814% | 2,350 |
| Return on Equity (ROE) | 6.5422% | 3,758 |
| Retained earnings to average equity (ytd only) | 3.4545% | 3,599 |
| Net charge-offs to loans | 0.0077% | 4,171 |
| Credit loss provision to net charge-offs | 358.3333% | 829 |
| Earnings coverage of net charge-offs (x) | 269.5833% | 270 |
| Efficiency ratio | 69.0638% | 3,388 |
| Assets per employee ($millions) | 3.6863% | 4,498 |
| Cash dividends to net income (ytd only)* | 47.1972% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 3,977 |
| Loan loss allowance to noncurrent loans | 321.4936% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 3,885 |
| Noncurrent loans to loans | 0.3460% | 4,226 |
| Net loans and leases to total assets | 62.5915% | 3,477 |
| Net loans and leases to deposits | 77.8229% | 3,073 |
| Net loans and leases to core deposits | 79.7793% | 3,372 |
| Total domestic deposits to total assets | 80.4281% | 4,632 |
| Equity capital to assets | 15.8036% | 543 |
| Core capital (leverage) ratio | 15.3345% | 563 |
| Tier 1 risk-based capital ratio | 20.9945% | 1,304 |
| Total risk-based capital ratio | 21.9495% | 1,320 |
| Memoranda: | ||
| Average total assets | $250,190,400 | 2,505 |
| Average earning assets | $232,206,200 | 2,491 |
| Average equity | $38,993,000 | 1,848 |
| Average total loans | $156,231,200 | 2,512 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1273% | 2,821 |
| Cost of funding earning assets | 0.5556% | 1,757 |
| Net interest margin | 3.5718% | 3,266 |
| Noninterest income to average assets | 0.8547% | 1,600 |
| Noninterest expense to average assets | 2.8269% | 3,082 |
| Loan and lease loss provision to assets | 0.0181% | 3,917 |
| Net operating income to assets | 1.0486% | 2,223 |
| Return on assets (ROA) | 1.0541% | 2,295 |
| Pretax return on assets | 1.3313% | 2,282 |
| Return on Equity (ROE) | 6.7871% | 3,734 |
| Retained earnings to average equity (ytd only) | 4.7204% | 3,110 |
| Net charge-offs to loans | -0.0017% | 4,686 |
| Credit loss provision to net charge-offs | -1,700.0000% | 5,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8005% | 3,588 |
| Assets per employee ($millions) | 3.6050% | 4,599 |
| Cash dividends to net income (ytd only)* | 30.4504% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 3,904 |
| Loan loss allowance to noncurrent loans | 680.7692% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 4,554 |
| Noncurrent loans to loans | 0.1695% | 4,976 |
| Net loans and leases to total assets | 60.9418% | 3,744 |
| Net loans and leases to deposits | 75.8604% | 3,319 |
| Net loans and leases to core deposits | 77.7928% | 3,627 |
| Total domestic deposits to total assets | 80.3342% | 4,663 |
| Equity capital to assets | 15.8921% | 576 |
| Core capital (leverage) ratio | 15.4559% | 561 |
| Tier 1 risk-based capital ratio | 21.4912% | 1,268 |
| Total risk-based capital ratio | 22.4709% | 1,287 |
| Memoranda: | ||
| Average total assets | $250,070,500 | 2,529 |
| Average earning assets | $232,073,250 | 2,506 |
| Average equity | $38,837,500 | 1,870 |
| Average total loans | $155,623,250 | 2,536 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1339% | 2,779 |
| Cost of funding earning assets | 0.5692% | 1,653 |
| Net interest margin | 3.5647% | 3,231 |
| Noninterest income to average assets | 0.8040% | 1,762 |
| Noninterest expense to average assets | 2.7592% | 3,384 |
| Loan and lease loss provision to assets | 0.0200% | 3,733 |
| Net operating income to assets | 1.0536% | 2,126 |
| Return on assets (ROA) | 1.0618% | 2,201 |
| Pretax return on assets | 1.3405% | 2,206 |
| Return on Equity (ROE) | 6.8901% | 3,679 |
| Retained earnings to average equity (ytd only) | 3.7714% | 3,606 |
| Net charge-offs to loans | -0.0051% | 4,747 |
| Credit loss provision to net charge-offs | -625.0000% | 5,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1459% | 3,806 |
| Assets per employee ($millions) | 3.7017% | 4,423 |
| Cash dividends to net income (ytd only)* | 45.2632% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 4,475 |
| Loan loss allowance to noncurrent loans | 688.6719% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 4,676 |
| Noncurrent loans to loans | 0.1557% | 5,128 |
| Net loans and leases to total assets | 63.6738% | 3,311 |
| Net loans and leases to deposits | 80.4170% | 2,732 |
| Net loans and leases to core deposits | 82.6698% | 3,115 |
| Total domestic deposits to total assets | 79.1795% | 5,058 |
| Equity capital to assets | 15.1208% | 681 |
| Core capital (leverage) ratio | 15.0946% | 598 |
| Tier 1 risk-based capital ratio | 20.0332% | 1,534 |
| Total risk-based capital ratio | 20.9581% | 1,579 |
| Memoranda: | ||
| Average total assets | $250,511,670 | 2,549 |
| Average earning assets | $232,275,000 | 2,525 |
| Average equity | $38,606,330 | 1,888 |
| Average total loans | $156,377,330 | 2,534 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1100% | 2,787 |
| Cost of funding earning assets | 0.5747% | 1,619 |
| Net interest margin | 3.5353% | 3,282 |
| Noninterest income to average assets | 0.7805% | 1,786 |
| Noninterest expense to average assets | 2.8751% | 2,992 |
| Loan and lease loss provision to assets | 0.0097% | 3,597 |
| Net operating income to assets | 0.9505% | 2,506 |
| Return on assets (ROA) | 0.9675% | 2,542 |
| Pretax return on assets | 1.1900% | 2,712 |
| Return on Equity (ROE) | 6.2178% | 3,921 |
| Retained earnings to average equity (ytd only) | 6.2178% | 2,369 |
| Net charge-offs to loans | -0.0105% | 4,737 |
| Credit loss provision to net charge-offs | -150.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9228% | 3,329 |
| Assets per employee ($millions) | 3.5236% | 4,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 4,443 |
| Loan loss allowance to noncurrent loans | 754.9784% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.2914% | 4,805 |
| Noncurrent loans to loans | 0.1474% | 5,250 |
| Net loans and leases to total assets | 61.9543% | 3,374 |
| Net loans and leases to deposits | 76.6484% | 2,973 |
| Net loans and leases to core deposits | 78.6646% | 3,310 |
| Total domestic deposits to total assets | 80.8292% | 4,858 |
| Equity capital to assets | 15.6309% | 603 |
| Core capital (leverage) ratio | 15.3163% | 562 |
| Tier 1 risk-based capital ratio | 21.1370% | 1,390 |
| Total risk-based capital ratio | 22.1057% | 1,424 |
| Memoranda: | ||
| Average total assets | $248,059,500 | 2,574 |
| Average earning assets | $229,682,000 | 2,560 |
| Average equity | $38,599,000 | 1,899 |
| Average total loans | $152,368,000 | 2,593 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2052% | 2,941 |
| Cost of funding earning assets | 0.6353% | 1,514 |
| Net interest margin | 3.5699% | 3,518 |
| Noninterest income to average assets | 0.7619% | 2,026 |
| Noninterest expense to average assets | 3.0117% | 2,808 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8676% | 3,035 |
| Return on assets (ROA) | 0.8510% | 3,209 |
| Pretax return on assets | 1.0266% | 3,397 |
| Return on Equity (ROE) | 5.5887% | 4,368 |
| Retained earnings to average equity (ytd only) | 2.5274% | 4,438 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2098% | 2,802 |
| Assets per employee ($millions) | 3.4640% | 4,953 |
| Cash dividends to net income (ytd only)* | 54.7768% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 4,158 |
| Loan loss allowance to noncurrent loans | 559.3548% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.3468% | 4,669 |
| Noncurrent loans to loans | 0.2095% | 5,064 |
| Net loans and leases to total assets | 59.4704% | 3,850 |
| Net loans and leases to deposits | 73.5133% | 3,496 |
| Net loans and leases to core deposits | 75.5942% | 3,757 |
| Total domestic deposits to total assets | 80.8975% | 4,772 |
| Equity capital to assets | 15.4887% | 610 |
| Core capital (leverage) ratio | 15.2186% | 571 |
| Tier 1 risk-based capital ratio | 22.7494% | 1,115 |
| Total risk-based capital ratio | 23.8027% | 1,133 |
| Memoranda: | ||
| Average total assets | $244,777,200 | 2,576 |
| Average earning assets | $226,028,200 | 2,563 |
| Average equity | $37,271,400 | 1,886 |
| Average total loans | $144,850,000 | 2,644 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2294% | 2,891 |
| Cost of funding earning assets | 0.6438% | 1,498 |
| Net interest margin | 3.5857% | 3,488 |
| Noninterest income to average assets | 0.7564% | 2,067 |
| Noninterest expense to average assets | 2.9912% | 2,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8857% | 2,982 |
| Return on assets (ROA) | 0.8638% | 3,200 |
| Pretax return on assets | 1.0492% | 3,383 |
| Return on Equity (ROE) | 5.6978% | 4,395 |
| Retained earnings to average equity (ytd only) | 3.7050% | 4,003 |
| Net charge-offs to loans | -0.0213% | 5,632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5452% | 2,892 |
| Assets per employee ($millions) | 3.4748% | 4,909 |
| Cash dividends to net income (ytd only)* | 34.9748% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 4,119 |
| Loan loss allowance to noncurrent loans | 653.1599% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 4,977 |
| Noncurrent loans to loans | 0.1870% | 5,349 |
| Net loans and leases to total assets | 58.4068% | 4,018 |
| Net loans and leases to deposits | 72.6884% | 3,601 |
| Net loans and leases to core deposits | 75.2383% | 3,833 |
| Total domestic deposits to total assets | 80.3522% | 4,996 |
| Equity capital to assets | 15.6118% | 615 |
| Core capital (leverage) ratio | 15.3622% | 571 |
| Tier 1 risk-based capital ratio | 23.3241% | 1,076 |
| Total risk-based capital ratio | 24.4157% | 1,077 |
| Memoranda: | ||
| Average total assets | $244,486,250 | 2,590 |
| Average earning assets | $225,745,250 | 2,581 |
| Average equity | $37,066,000 | 1,902 |
| Average total loans | $144,063,500 | 2,670 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0806% | 3,423 |
| Cost of funding earning assets | 0.6507% | 1,509 |
| Net interest margin | 3.4298% | 4,059 |
| Noninterest income to average assets | 0.7334% | 2,125 |
| Noninterest expense to average assets | 2.9979% | 2,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7710% | 3,461 |
| Return on assets (ROA) | 0.7366% | 3,732 |
| Pretax return on assets | 0.8591% | 4,045 |
| Return on Equity (ROE) | 4.9071% | 4,720 |
| Retained earnings to average equity (ytd only) | 1.8932% | 4,938 |
| Net charge-offs to loans | -0.0291% | 5,673 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9279% | 2,464 |
| Assets per employee ($millions) | 3.5668% | 4,729 |
| Cash dividends to net income (ytd only)* | 61.4191% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 4,400 |
| Loan loss allowance to noncurrent loans | 90.2778% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 0.9920% | 3,076 |
| Noncurrent loans to loans | 1.3346% | 2,579 |
| Net loans and leases to total assets | 59.3312% | 3,816 |
| Net loans and leases to deposits | 73.3318% | 3,413 |
| Net loans and leases to core deposits | 76.0184% | 3,626 |
| Total domestic deposits to total assets | 80.9079% | 5,012 |
| Equity capital to assets | 15.3430% | 637 |
| Core capital (leverage) ratio | 15.1259% | 584 |
| Tier 1 risk-based capital ratio | 22.5275% | 1,184 |
| Total risk-based capital ratio | 23.6001% | 1,190 |
| Memoranda: | ||
| Average total assets | $244,902,000 | 2,589 |
| Average earning assets | $225,900,330 | 2,582 |
| Average equity | $36,763,330 | 1,911 |
| Average total loans | $144,143,000 | 2,667 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9966% | 3,700 |
| Cost of funding earning assets | 0.6588% | 1,524 |
| Net interest margin | 3.3378% | 4,386 |
| Noninterest income to average assets | 0.6843% | 2,262 |
| Noninterest expense to average assets | 3.1193% | 2,473 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6234% | 4,077 |
| Return on assets (ROA) | 0.5462% | 4,546 |
| Pretax return on assets | 0.5657% | 4,961 |
| Return on Equity (ROE) | 3.6783% | 5,182 |
| Retained earnings to average equity (ytd only) | 3.6783% | 3,927 |
| Net charge-offs to loans | -0.0139% | 5,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8584% | 1,816 |
| Assets per employee ($millions) | 3.5201% | 4,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 4,610 |
| Loan loss allowance to noncurrent loans | 74.2845% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 1.1664% | 2,928 |
| Noncurrent loans to loans | 1.6238% | 2,396 |
| Net loans and leases to total assets | 57.8016% | 3,872 |
| Net loans and leases to deposits | 71.2034% | 3,445 |
| Net loans and leases to core deposits | 75.3617% | 3,481 |
| Total domestic deposits to total assets | 81.1781% | 5,187 |
| Equity capital to assets | 14.9689% | 681 |
| Core capital (leverage) ratio | 14.9567% | 609 |
| Tier 1 risk-based capital ratio | 22.6869% | 1,182 |
| Total risk-based capital ratio | 23.7575% | 1,190 |
| Memoranda: | ||
| Average total assets | $246,083,000 | 2,589 |
| Average earning assets | $227,095,500 | 2,583 |
| Average equity | $36,538,500 | 1,917 |
| Average total loans | $143,386,000 | 2,689 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3504% | 2,772 |
| Cost of funding earning assets | 0.7758% | 1,344 |
| Net interest margin | 3.5747% | 3,579 |
| Noninterest income to average assets | 0.8185% | 1,990 |
| Noninterest expense to average assets | 3.0855% | 2,779 |
| Loan and lease loss provision to assets | 0.0124% | 4,877 |
| Net operating income to assets | 0.8463% | 3,059 |
| Return on assets (ROA) | 0.8436% | 3,148 |
| Pretax return on assets | 0.9886% | 3,396 |
| Return on Equity (ROE) | 5.5467% | 4,363 |
| Retained earnings to average equity (ytd only) | 2.5419% | 4,441 |
| Net charge-offs to loans | 0.1104% | 3,724 |
| Credit loss provision to net charge-offs | 18.4049% | 4,476 |
| Earnings coverage of net charge-offs (x) | 14.9571% | 1,912 |
| Efficiency ratio | 75.4531% | 2,866 |
| Assets per employee ($millions) | 3.5109% | 4,880 |
| Cash dividends to net income (ytd only)* | 54.1728% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 4,571 |
| Loan loss allowance to noncurrent loans | 75.5885% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 1.1503% | 3,095 |
| Noncurrent loans to loans | 1.6086% | 2,495 |
| Net loans and leases to total assets | 57.3211% | 4,144 |
| Net loans and leases to deposits | 70.2770% | 3,751 |
| Net loans and leases to core deposits | 74.3503% | 3,804 |
| Total domestic deposits to total assets | 81.5646% | 5,016 |
| Equity capital to assets | 14.7269% | 729 |
| Core capital (leverage) ratio | 14.9910% | 602 |
| Tier 1 risk-based capital ratio | 22.8652% | 1,115 |
| Total risk-based capital ratio | 23.9511% | 1,123 |
| Memoranda: | ||
| Average total assets | $242,879,800 | 2,596 |
| Average earning assets | $222,230,600 | 2,594 |
| Average equity | $36,941,200 | 1,870 |
| Average total loans | $147,660,800 | 2,588 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4242% | 2,512 |
| Cost of funding earning assets | 0.8009% | 1,319 |
| Net interest margin | 3.6233% | 3,343 |
| Noninterest income to average assets | 0.8198% | 2,058 |
| Noninterest expense to average assets | 3.0789% | 2,728 |
| Loan and lease loss provision to assets | 0.0165% | 4,681 |
| Net operating income to assets | 0.8687% | 2,999 |
| Return on assets (ROA) | 0.8683% | 3,112 |
| Pretax return on assets | 1.0323% | 3,369 |
| Return on Equity (ROE) | 5.6631% | 4,377 |
| Retained earnings to average equity (ytd only) | 3.6701% | 4,089 |
| Net charge-offs to loans | 0.0779% | 3,831 |
| Credit loss provision to net charge-offs | 34.4828% | 3,815 |
| Earnings coverage of net charge-offs (x) | 21.8960% | 1,527 |
| Efficiency ratio | 74.5898% | 2,969 |
| Assets per employee ($millions) | 3.4203% | 5,018 |
| Cash dividends to net income (ytd only)* | 35.1934% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 4,601 |
| Loan loss allowance to noncurrent loans | 66.8884% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 1.3587% | 2,925 |
| Noncurrent loans to loans | 1.8821% | 2,393 |
| Net loans and leases to total assets | 59.2968% | 3,809 |
| Net loans and leases to deposits | 74.4591% | 3,163 |
| Net loans and leases to core deposits | 77.1483% | 3,480 |
| Total domestic deposits to total assets | 79.6367% | 5,596 |
| Equity capital to assets | 15.2485% | 672 |
| Core capital (leverage) ratio | 15.2414% | 602 |
| Tier 1 risk-based capital ratio | 22.8304% | 1,174 |
| Total risk-based capital ratio | 23.9595% | 1,177 |
| Memoranda: | ||
| Average total assets | $242,159,500 | 2,624 |
| Average earning assets | $221,082,750 | 2,619 |
| Average equity | $37,128,250 | 1,880 |
| Average total loans | $148,924,250 | 2,586 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4772% | 2,280 |
| Cost of funding earning assets | 0.8131% | 1,349 |
| Net interest margin | 3.6640% | 3,109 |
| Noninterest income to average assets | 0.7331% | 2,487 |
| Noninterest expense to average assets | 3.0287% | 2,909 |
| Loan and lease loss provision to assets | 0.0247% | 4,425 |
| Net operating income to assets | 0.8424% | 3,083 |
| Return on assets (ROA) | 0.8475% | 3,209 |
| Pretax return on assets | 1.0260% | 3,389 |
| Return on Equity (ROE) | 5.5176% | 4,448 |
| Retained earnings to average equity (ytd only) | 2.5445% | 4,678 |
| Net charge-offs to loans | 0.0810% | 3,563 |
| Credit loss provision to net charge-offs | 49.1803% | 3,226 |
| Earnings coverage of net charge-offs (x) | 20.8197% | 1,441 |
| Efficiency ratio | 74.3486% | 3,065 |
| Assets per employee ($millions) | 3.4930% | 4,869 |
| Cash dividends to net income (ytd only)* | 53.8835% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 4,679 |
| Loan loss allowance to noncurrent loans | 67.3761% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 1.4555% | 2,922 |
| Noncurrent loans to loans | 1.8744% | 2,525 |
| Net loans and leases to total assets | 59.5577% | 3,739 |
| Net loans and leases to deposits | 73.3725% | 3,244 |
| Net loans and leases to core deposits | 76.2063% | 3,524 |
| Total domestic deposits to total assets | 81.1717% | 5,298 |
| Equity capital to assets | 15.2971% | 655 |
| Core capital (leverage) ratio | 14.7967% | 649 |
| Tier 1 risk-based capital ratio | 22.1546% | 1,256 |
| Total risk-based capital ratio | 23.2829% | 1,255 |
| Memoranda: | ||
| Average total assets | $243,072,330 | 2,626 |
| Average earning assets | $221,613,330 | 2,619 |
| Average equity | $37,335,000 | 1,873 |
| Average total loans | $150,639,330 | 2,565 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5029% | 2,158 |
| Cost of funding earning assets | 0.8217% | 1,412 |
| Net interest margin | 3.6812% | 2,943 |
| Noninterest income to average assets | 0.6440% | 2,912 |
| Noninterest expense to average assets | 3.1168% | 2,623 |
| Loan and lease loss provision to assets | 0.0492% | 3,800 |
| Net operating income to assets | 0.7114% | 3,632 |
| Return on assets (ROA) | 0.7161% | 3,752 |
| Pretax return on assets | 0.8308% | 4,038 |
| Return on Equity (ROE) | 4.6529% | 4,764 |
| Retained earnings to average equity (ytd only) | 4.6529% | 3,444 |
| Net charge-offs to loans | 0.0861% | 2,975 |
| Credit loss provision to net charge-offs | 90.9091% | 2,008 |
| Earnings coverage of net charge-offs (x) | 16.1818% | 1,372 |
| Efficiency ratio | 78.0788% | 2,598 |
| Assets per employee ($millions) | 3.4471% | 5,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 5,084 |
| Loan loss allowance to noncurrent loans | 68.2534% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 1.4305% | 3,119 |
| Noncurrent loans to loans | 1.7893% | 2,878 |
| Net loans and leases to total assets | 61.6016% | 3,146 |
| Net loans and leases to deposits | 76.1220% | 2,620 |
| Net loans and leases to core deposits | 78.7190% | 2,969 |
| Total domestic deposits to total assets | 80.9248% | 5,520 |
| Equity capital to assets | 15.4109% | 659 |
| Core capital (leverage) ratio | 14.7461% | 627 |
| Tier 1 risk-based capital ratio | 21.5799% | 1,406 |
| Total risk-based capital ratio | 22.6970% | 1,409 |
| Memoranda: | ||
| Average total assets | $244,098,500 | 2,643 |
| Average earning assets | $221,990,500 | 2,650 |
| Average equity | $37,568,000 | 1,883 |
| Average total loans | $153,268,000 | 2,534 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7326% | 2,461 |
| Cost of funding earning assets | 0.9335% | 1,742 |
| Net interest margin | 3.7991% | 3,229 |
| Noninterest income to average assets | 1.2579% | 989 |
| Noninterest expense to average assets | 3.2815% | 2,391 |
| Loan and lease loss provision to assets | 0.1275% | 4,020 |
| Net operating income to assets | 1.0908% | 1,969 |
| Return on assets (ROA) | 1.0751% | 2,222 |
| Pretax return on assets | 1.3063% | 2,374 |
| Return on Equity (ROE) | 7.1441% | 3,557 |
| Retained earnings to average equity (ytd only) | 4.4667% | 3,091 |
| Net charge-offs to loans | 0.1154% | 4,532 |
| Credit loss provision to net charge-offs | 181.8713% | 1,446 |
| Earnings coverage of net charge-offs (x) | 20.6550% | 1,341 |
| Efficiency ratio | 68.1054% | 4,122 |
| Assets per employee ($millions) | 3.5283% | 4,958 |
| Cash dividends to net income (ytd only)* | 37.4762% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 5,056 |
| Loan loss allowance to noncurrent loans | 67.5715% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.4438% | 3,218 |
| Noncurrent loans to loans | 1.7952% | 2,924 |
| Net loans and leases to total assets | 62.4510% | 3,175 |
| Net loans and leases to deposits | 76.9554% | 2,663 |
| Net loans and leases to core deposits | 79.3615% | 3,093 |
| Total domestic deposits to total assets | 81.1522% | 5,357 |
| Equity capital to assets | 15.3700% | 663 |
| Core capital (leverage) ratio | 14.4539% | 683 |
| Tier 1 risk-based capital ratio | 21.2918% | 1,401 |
| Total risk-based capital ratio | 22.4092% | 1,397 |
| Memoranda: | ||
| Average total assets | $243,976,000 | 2,588 |
| Average earning assets | $222,922,600 | 2,587 |
| Average equity | $36,715,800 | 1,893 |
| Average total loans | $148,166,600 | 2,595 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7192% | 2,719 |
| Cost of funding earning assets | 0.9483% | 1,860 |
| Net interest margin | 3.7710% | 3,463 |
| Noninterest income to average assets | 1.4392% | 723 |
| Noninterest expense to average assets | 3.3941% | 2,017 |
| Loan and lease loss provision to assets | 0.1535% | 3,608 |
| Net operating income to assets | 1.1484% | 1,913 |
| Return on assets (ROA) | 1.1290% | 2,185 |
| Pretax return on assets | 1.3278% | 2,504 |
| Return on Equity (ROE) | 7.5422% | 3,506 |
| Retained earnings to average equity (ytd only) | 5.7470% | 2,868 |
| Net charge-offs to loans | 0.1445% | 3,955 |
| Credit loss provision to net charge-offs | 176.7296% | 1,575 |
| Earnings coverage of net charge-offs (x) | 17.2583% | 1,634 |
| Efficiency ratio | 67.7160% | 4,125 |
| Assets per employee ($millions) | 3.5379% | 4,882 |
| Cash dividends to net income (ytd only)* | 23.8025% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 5,384 |
| Loan loss allowance to noncurrent loans | 102.6652% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 1.0737% | 4,144 |
| Noncurrent loans to loans | 1.1479% | 4,141 |
| Net loans and leases to total assets | 63.5131% | 3,116 |
| Net loans and leases to deposits | 79.6146% | 2,455 |
| Net loans and leases to core deposits | 82.7955% | 2,863 |
| Total domestic deposits to total assets | 79.7758% | 5,713 |
| Equity capital to assets | 15.3340% | 744 |
| Core capital (leverage) ratio | 14.4312% | 726 |
| Tier 1 risk-based capital ratio | 20.9147% | 1,544 |
| Total risk-based capital ratio | 22.0036% | 1,552 |
| Memoranda: | ||
| Average total assets | $244,106,250 | 2,608 |
| Average earning assets | $223,562,000 | 2,600 |
| Average equity | $36,540,000 | 1,922 |
| Average total loans | $146,731,500 | 2,651 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7094% | 2,875 |
| Cost of funding earning assets | 0.9621% | 1,983 |
| Net interest margin | 3.7473% | 3,605 |
| Noninterest income to average assets | 1.7689% | 492 |
| Noninterest expense to average assets | 3.6263% | 1,524 |
| Loan and lease loss provision to assets | 0.0492% | 5,060 |
| Net operating income to assets | 1.3074% | 1,419 |
| Return on assets (ROA) | 1.2749% | 1,670 |
| Pretax return on assets | 1.4904% | 1,876 |
| Return on Equity (ROE) | 8.5866% | 2,986 |
| Retained earnings to average equity (ytd only) | 5.8716% | 2,785 |
| Net charge-offs to loans | 0.0600% | 4,583 |
| Credit loss provision to net charge-offs | 139.5349% | 1,975 |
| Earnings coverage of net charge-offs (x) | 44.5581% | 807 |
| Efficiency ratio | 67.4551% | 4,246 |
| Assets per employee ($millions) | 3.6734% | 4,582 |
| Cash dividends to net income (ytd only)* | 31.6195% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 5,342 |
| Loan loss allowance to noncurrent loans | 90.0826% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.2153% | 3,986 |
| Noncurrent loans to loans | 1.3338% | 3,921 |
| Net loans and leases to total assets | 58.2664% | 4,115 |
| Net loans and leases to deposits | 71.6938% | 3,653 |
| Net loans and leases to core deposits | 75.1964% | 3,853 |
| Total domestic deposits to total assets | 81.2712% | 5,369 |
| Equity capital to assets | 15.0513% | 776 |
| Core capital (leverage) ratio | 14.1777% | 762 |
| Tier 1 risk-based capital ratio | 21.2765% | 1,428 |
| Total risk-based capital ratio | 22.3366% | 1,437 |
| Memoranda: | ||
| Average total assets | $244,102,330 | 2,610 |
| Average earning assets | $223,253,670 | 2,607 |
| Average equity | $36,242,330 | 1,922 |
| Average total loans | $143,343,330 | 2,716 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7034% | 3,043 |
| Cost of funding earning assets | 0.9814% | 2,094 |
| Net interest margin | 3.7221% | 3,726 |
| Noninterest income to average assets | 0.9856% | 1,464 |
| Noninterest expense to average assets | 3.2037% | 2,580 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9732% | 2,584 |
| Return on assets (ROA) | 0.9955% | 2,688 |
| Pretax return on assets | 1.2111% | 2,876 |
| Return on Equity (ROE) | 6.7519% | 3,918 |
| Retained earnings to average equity (ytd only) | 6.7519% | 2,549 |
| Net charge-offs to loans | 0.0477% | 4,034 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 42.2941% | 712 |
| Efficiency ratio | 73.0308% | 3,253 |
| Assets per employee ($millions) | 3.6061% | 4,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 5,476 |
| Loan loss allowance to noncurrent loans | 374.1794% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.6598% | 5,239 |
| Noncurrent loans to loans | 0.3211% | 6,037 |
| Net loans and leases to total assets | 57.3486% | 4,155 |
| Net loans and leases to deposits | 70.2997% | 3,689 |
| Net loans and leases to core deposits | 73.6505% | 3,940 |
| Total domestic deposits to total assets | 81.5772% | 5,434 |
| Equity capital to assets | 14.6551% | 820 |
| Core capital (leverage) ratio | 14.0771% | 785 |
| Tier 1 risk-based capital ratio | 21.7924% | 1,320 |
| Total risk-based capital ratio | 22.8748% | 1,333 |
| Memoranda: | ||
| Average total assets | $243,094,500 | 2,631 |
| Average earning assets | $222,135,000 | 2,634 |
| Average equity | $35,841,500 | 1,941 |
| Average total loans | $142,441,000 | 2,749 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7414% | 4,074 |
| Cost of funding earning assets | 1.1430% | 2,394 |
| Net interest margin | 3.5984% | 4,741 |
| Noninterest income to average assets | 0.9892% | 1,397 |
| Noninterest expense to average assets | 3.0486% | 3,403 |
| Loan and lease loss provision to assets | 0.0259% | 6,250 |
| Net operating income to assets | 0.9478% | 2,426 |
| Return on assets (ROA) | 0.9460% | 2,550 |
| Pretax return on assets | 1.1751% | 2,553 |
| Return on Equity (ROE) | 6.1876% | 3,774 |
| Retained earnings to average equity (ytd only) | -6.1769% | 6,519 |
| Net charge-offs to loans | -0.0282% | 6,995 |
| Credit loss provision to net charge-offs | -165.7895% | 6,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7175% | 3,635 |
| Assets per employee ($millions) | 3.5437% | 4,907 |
| Cash dividends to net income (ytd only)* | 199.8261% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 5,333 |
| Loan loss allowance to noncurrent loans | 413.1579% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.7026% | 5,234 |
| Noncurrent loans to loans | 0.2932% | 6,138 |
| Net loans and leases to total assets | 58.4369% | 4,294 |
| Net loans and leases to deposits | 71.7395% | 3,835 |
| Net loans and leases to core deposits | 75.7792% | 4,014 |
| Total domestic deposits to total assets | 81.4571% | 5,308 |
| Equity capital to assets | 14.8342% | 819 |
| Core capital (leverage) ratio | 13.8432% | 863 |
| Tier 1 risk-based capital ratio | 21.6905% | 1,284 |
| Total risk-based capital ratio | 22.7981% | 1,279 |
| Memoranda: | ||
| Average total assets | $243,130,200 | 2,598 |
| Average earning assets | $220,378,400 | 2,607 |
| Average equity | $37,171,000 | 1,813 |
| Average total loans | $134,943,200 | 2,899 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6938% | 4,491 |
| Cost of funding earning assets | 1.1685% | 2,512 |
| Net interest margin | 3.5253% | 5,075 |
| Noninterest income to average assets | 0.9844% | 1,375 |
| Noninterest expense to average assets | 3.0603% | 3,318 |
| Loan and lease loss provision to assets | 0.0109% | 6,293 |
| Net operating income to assets | 0.9070% | 2,714 |
| Return on assets (ROA) | 0.9089% | 2,845 |
| Pretax return on assets | 1.1075% | 2,976 |
| Return on Equity (ROE) | 5.9013% | 4,064 |
| Retained earnings to average equity (ytd only) | 4.2563% | 3,696 |
| Net charge-offs to loans | -0.1523% | 7,227 |
| Credit loss provision to net charge-offs | -13.1579% | 6,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2931% | 3,314 |
| Assets per employee ($millions) | 3.5064% | 4,980 |
| Cash dividends to net income (ytd only)* | 27.8749% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 4,977 |
| Loan loss allowance to noncurrent loans | 184.9794% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.6918% | 5,416 |
| Noncurrent loans to loans | 0.7069% | 5,466 |
| Net loans and leases to total assets | 55.2877% | 4,955 |
| Net loans and leases to deposits | 69.4151% | 4,399 |
| Net loans and leases to core deposits | 73.4166% | 4,540 |
| Total domestic deposits to total assets | 79.6480% | 5,836 |
| Equity capital to assets | 15.9543% | 632 |
| Core capital (leverage) ratio | 15.2941% | 609 |
| Tier 1 risk-based capital ratio | 23.4328% | 1,085 |
| Total risk-based capital ratio | 24.5617% | 1,086 |
| Memoranda: | ||
| Average total assets | $243,670,000 | 2,600 |
| Average earning assets | $220,570,750 | 2,623 |
| Average equity | $37,527,250 | 1,797 |
| Average total loans | $133,043,250 | 2,954 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6461% | 4,772 |
| Cost of funding earning assets | 1.1890% | 2,654 |
| Net interest margin | 3.4571% | 5,331 |
| Noninterest income to average assets | 0.9709% | 1,402 |
| Noninterest expense to average assets | 3.0813% | 3,325 |
| Loan and lease loss provision to assets | 0.0165% | 6,079 |
| Net operating income to assets | 0.8403% | 2,904 |
| Return on assets (ROA) | 0.8458% | 2,975 |
| Pretax return on assets | 1.0120% | 3,199 |
| Return on Equity (ROE) | 5.5593% | 4,179 |
| Retained earnings to average equity (ytd only) | 3.0554% | 4,333 |
| Net charge-offs to loans | -0.2432% | 7,319 |
| Credit loss provision to net charge-offs | -12.5000% | 6,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1103% | 3,160 |
| Assets per employee ($millions) | 3.5346% | 4,843 |
| Cash dividends to net income (ytd only)* | 45.0389% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 4,658 |
| Loan loss allowance to noncurrent loans | 92.3785% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 1.0460% | 4,791 |
| Noncurrent loans to loans | 1.4965% | 4,176 |
| Net loans and leases to total assets | 52.8247% | 5,461 |
| Net loans and leases to deposits | 65.6263% | 5,055 |
| Net loans and leases to core deposits | 70.5865% | 5,004 |
| Total domestic deposits to total assets | 80.4932% | 5,680 |
| Equity capital to assets | 15.5799% | 688 |
| Core capital (leverage) ratio | 14.9616% | 669 |
| Tier 1 risk-based capital ratio | 24.3840% | 968 |
| Total risk-based capital ratio | 25.5844% | 948 |
| Memoranda: | ||
| Average total assets | $243,078,330 | 2,622 |
| Average earning assets | $220,184,330 | 2,644 |
| Average equity | $36,983,330 | 1,809 |
| Average total loans | $131,558,000 | 3,008 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7110% | 4,470 |
| Cost of funding earning assets | 1.1982% | 2,832 |
| Net interest margin | 3.5128% | 4,948 |
| Noninterest income to average assets | 0.9165% | 1,597 |
| Noninterest expense to average assets | 3.2438% | 2,729 |
| Loan and lease loss provision to assets | 0.0330% | 5,559 |
| Net operating income to assets | 0.7137% | 3,459 |
| Return on assets (ROA) | 0.7104% | 3,540 |
| Pretax return on assets | 0.8159% | 3,843 |
| Return on Equity (ROE) | 4.7263% | 4,544 |
| Retained earnings to average equity (ytd only) | 4.7263% | 3,365 |
| Net charge-offs to loans | -0.2575% | 7,310 |
| Credit loss provision to net charge-offs | -23.5294% | 5,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1952% | 2,663 |
| Assets per employee ($millions) | 3.5661% | 4,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 5,134 |
| Loan loss allowance to noncurrent loans | 82.4678% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 1.1054% | 4,708 |
| Noncurrent loans to loans | 1.5759% | 4,113 |
| Net loans and leases to total assets | 53.4258% | 5,391 |
| Net loans and leases to deposits | 65.6427% | 5,027 |
| Net loans and leases to core deposits | 70.8145% | 4,951 |
| Total domestic deposits to total assets | 81.3888% | 5,538 |
| Equity capital to assets | 15.0081% | 767 |
| Core capital (leverage) ratio | 15.0897% | 651 |
| Tier 1 risk-based capital ratio | 23.8166% | 989 |
| Total risk-based capital ratio | 24.9446% | 983 |
| Memoranda: | ||
| Average total assets | $242,675,500 | 2,640 |
| Average earning assets | $219,655,500 | 2,667 |
| Average equity | $36,476,500 | 1,817 |
| Average total loans | $132,018,500 | 3,036 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1357% | 3,924 |
| Cost of funding earning assets | 1.4548% | 2,931 |
| Net interest margin | 3.6809% | 4,441 |
| Noninterest income to average assets | 1.0904% | 1,258 |
| Noninterest expense to average assets | 3.3069% | 2,720 |
| Loan and lease loss provision to assets | 0.2656% | 4,673 |
| Net operating income to assets | 0.7610% | 2,955 |
| Return on assets (ROA) | 0.7602% | 3,080 |
| Pretax return on assets | 0.8333% | 3,525 |
| Return on Equity (ROE) | 4.6737% | 4,221 |
| Retained earnings to average equity (ytd only) | 2.1369% | 4,390 |
| Net charge-offs to loans | 0.3596% | 4,221 |
| Credit loss provision to net charge-offs | 124.6862% | 3,300 |
| Earnings coverage of net charge-offs (x) | 5.1611% | 2,701 |
| Efficiency ratio | 75.0506% | 3,202 |
| Assets per employee ($millions) | 3.4184% | 5,129 |
| Cash dividends to net income (ytd only)* | 54.2790% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 5,313 |
| Loan loss allowance to noncurrent loans | 75.3475% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.6938% | 3,758 |
| Noncurrent loans to loans | 1.6493% | 4,031 |
| Net loans and leases to total assets | 54.0014% | 5,633 |
| Net loans and leases to deposits | 66.4763% | 5,339 |
| Net loans and leases to core deposits | 70.7872% | 5,362 |
| Total domestic deposits to total assets | 81.2341% | 5,443 |
| Equity capital to assets | 15.0545% | 773 |
| Core capital (leverage) ratio | 15.0660% | 652 |
| Tier 1 risk-based capital ratio | 23.5332% | 979 |
| Total risk-based capital ratio | 24.5927% | 975 |
| Memoranda: | ||
| Average total assets | $224,406,800 | 2,817 |
| Average earning assets | $202,153,800 | 2,847 |
| Average equity | $36,502,000 | 1,814 |
| Average total loans | $132,940,000 | 3,068 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2304% | 3,681 |
| Cost of funding earning assets | 1.5138% | 2,890 |
| Net interest margin | 3.7166% | 4,319 |
| Noninterest income to average assets | 1.0953% | 1,180 |
| Noninterest expense to average assets | 3.2268% | 2,829 |
| Loan and lease loss provision to assets | 0.1800% | 5,246 |
| Net operating income to assets | 0.9033% | 2,595 |
| Return on assets (ROA) | 0.9038% | 2,739 |
| Pretax return on assets | 1.0331% | 3,060 |
| Return on Equity (ROE) | 5.4466% | 4,057 |
| Retained earnings to average equity (ytd only) | 3.7609% | 3,811 |
| Net charge-offs to loans | 0.2038% | 4,723 |
| Credit loss provision to net charge-offs | 146.0784% | 2,692 |
| Earnings coverage of net charge-offs (x) | 9.8334% | 1,957 |
| Efficiency ratio | 72.6963% | 3,573 |
| Assets per employee ($millions) | 3.0540% | 6,017 |
| Cash dividends to net income (ytd only)* | 30.9493% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 5,518 |
| Loan loss allowance to noncurrent loans | 71.6779% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.4937% | 4,213 |
| Noncurrent loans to loans | 1.6668% | 4,146 |
| Net loans and leases to total assets | 59.4277% | 5,016 |
| Net loans and leases to deposits | 75.2173% | 4,312 |
| Net loans and leases to core deposits | 77.4438% | 4,868 |
| Total domestic deposits to total assets | 79.0081% | 6,017 |
| Equity capital to assets | 16.9514% | 522 |
| Core capital (leverage) ratio | 16.7381% | 455 |
| Tier 1 risk-based capital ratio | 24.2027% | 925 |
| Total risk-based capital ratio | 25.2686% | 917 |
| Memoranda: | ||
| Average total assets | $220,686,000 | 2,907 |
| Average earning assets | $198,525,250 | 2,943 |
| Average equity | $36,621,500 | 1,829 |
| Average total loans | $133,463,500 | 3,108 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2520% | 3,704 |
| Cost of funding earning assets | 1.6074% | 2,610 |
| Net interest margin | 3.6446% | 4,606 |
| Noninterest income to average assets | 1.0821% | 1,142 |
| Noninterest expense to average assets | 3.1473% | 3,107 |
| Loan and lease loss provision to assets | 0.1837% | 5,035 |
| Net operating income to assets | 0.9070% | 2,533 |
| Return on assets (ROA) | 0.9048% | 2,652 |
| Pretax return on assets | 1.0421% | 2,967 |
| Return on Equity (ROE) | 5.4925% | 4,047 |
| Retained earnings to average equity (ytd only) | 2.9367% | 4,261 |
| Net charge-offs to loans | 0.2161% | 4,308 |
| Credit loss provision to net charge-offs | 140.2778% | 2,856 |
| Earnings coverage of net charge-offs (x) | 9.3750% | 2,027 |
| Efficiency ratio | 71.9393% | 3,822 |
| Assets per employee ($millions) | 3.0937% | 5,932 |
| Cash dividends to net income (ytd only)* | 46.5327% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 5,640 |
| Loan loss allowance to noncurrent loans | 60.1152% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.6298% | 3,998 |
| Noncurrent loans to loans | 1.9346% | 3,819 |
| Net loans and leases to total assets | 62.3469% | 4,615 |
| Net loans and leases to deposits | 79.2962% | 3,736 |
| Net loans and leases to core deposits | 81.3618% | 4,504 |
| Total domestic deposits to total assets | 78.6253% | 6,125 |
| Equity capital to assets | 17.0907% | 514 |
| Core capital (leverage) ratio | 16.2470% | 536 |
| Tier 1 risk-based capital ratio | 24.2772% | 912 |
| Total risk-based capital ratio | 25.3370% | 916 |
| Memoranda: | ||
| Average total assets | $219,933,670 | 2,939 |
| Average earning assets | $198,705,330 | 2,968 |
| Average equity | $36,231,330 | 1,842 |
| Average total loans | $133,254,000 | 3,149 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1574% | 4,261 |
| Cost of funding earning assets | 1.6948% | 2,419 |
| Net interest margin | 3.4626% | 5,325 |
| Noninterest income to average assets | 1.0503% | 1,153 |
| Noninterest expense to average assets | 3.1169% | 3,200 |
| Loan and lease loss provision to assets | 0.0860% | 5,782 |
| Net operating income to assets | 0.8801% | 2,632 |
| Return on assets (ROA) | 0.8765% | 2,726 |
| Pretax return on assets | 0.9858% | 3,145 |
| Return on Equity (ROE) | 5.4175% | 4,148 |
| Retained earnings to average equity (ytd only) | 5.4175% | 2,923 |
| Net charge-offs to loans | 0.1630% | 3,944 |
| Credit loss provision to net charge-offs | 88.8889% | 3,683 |
| Earnings coverage of net charge-offs (x) | 11.1111% | 1,677 |
| Efficiency ratio | 74.3480% | 3,521 |
| Assets per employee ($millions) | 3.2657% | 5,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 5,881 |
| Loan loss allowance to noncurrent loans | 76.2824% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.2670% | 4,644 |
| Noncurrent loans to loans | 1.4768% | 4,526 |
| Net loans and leases to total assets | 58.5036% | 5,347 |
| Net loans and leases to deposits | 74.3608% | 4,689 |
| Net loans and leases to core deposits | 78.9958% | 4,897 |
| Total domestic deposits to total assets | 78.6753% | 6,160 |
| Equity capital to assets | 16.1586% | 647 |
| Core capital (leverage) ratio | 15.9103% | 598 |
| Tier 1 risk-based capital ratio | 24.0244% | 965 |
| Total risk-based capital ratio | 25.0317% | 966 |
| Memoranda: | ||
| Average total assets | $223,167,000 | 2,950 |
| Average earning assets | $202,504,000 | 2,957 |
| Average equity | $36,105,500 | 1,861 |
| Average total loans | $132,553,000 | 3,211 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5656% | 3,782 |
| Cost of funding earning assets | 1.9053% | 3,439 |
| Net interest margin | 3.6603% | 4,309 |
| Noninterest income to average assets | 1.1294% | 1,207 |
| Noninterest expense to average assets | 3.1410% | 3,581 |
| Loan and lease loss provision to assets | 0.2978% | 5,051 |
| Net operating income to assets | 0.9255% | 2,092 |
| Return on assets (ROA) | 0.9286% | 2,142 |
| Pretax return on assets | 1.0584% | 2,382 |
| Return on Equity (ROE) | 5.6795% | 3,343 |
| Retained earnings to average equity (ytd only) | 3.0525% | 3,023 |
| Net charge-offs to loans | 0.4510% | 3,980 |
| Credit loss provision to net charge-offs | 109.9315% | 5,008 |
| Earnings coverage of net charge-offs (x) | 4.9914% | 2,725 |
| Efficiency ratio | 69.9081% | 4,648 |
| Assets per employee ($millions) | 2.9079% | 6,438 |
| Cash dividends to net income (ytd only)* | 46.2537% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 5,667 |
| Loan loss allowance to noncurrent loans | 57.0132% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 1.6140% | 3,951 |
| Noncurrent loans to loans | 2.0072% | 3,643 |
| Net loans and leases to total assets | 58.9446% | 5,499 |
| Net loans and leases to deposits | 73.9863% | 5,040 |
| Net loans and leases to core deposits | 91.6676% | 4,932 |
| Total domestic deposits to total assets | 79.6696% | 5,789 |
| Equity capital to assets | 16.1992% | 669 |
| Core capital (leverage) ratio | 16.0445% | 610 |
| Tier 1 risk-based capital ratio | 24.0343% | 945 |
| Total risk-based capital ratio | 25.0600% | 948 |
| Memoranda: | ||
| Average total assets | $215,600,000 | 3,010 |
| Average earning assets | $198,128,000 | 2,995 |
| Average equity | $35,249,800 | 1,912 |
| Average total loans | $129,494,000 | 3,281 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6264% | 3,714 |
| Cost of funding earning assets | 1.9296% | 3,724 |
| Net interest margin | 3.6969% | 4,087 |
| Noninterest income to average assets | 1.1432% | 1,206 |
| Noninterest expense to average assets | 3.1812% | 3,362 |
| Loan and lease loss provision to assets | 0.3479% | 4,245 |
| Net operating income to assets | 0.8985% | 2,428 |
| Return on assets (ROA) | 0.9017% | 2,483 |
| Pretax return on assets | 1.0212% | 2,833 |
| Return on Equity (ROE) | 5.5022% | 3,735 |
| Retained earnings to average equity (ytd only) | 3.7441% | 3,194 |
| Net charge-offs to loans | 0.4995% | 3,225 |
| Credit loss provision to net charge-offs | 115.7350% | 4,385 |
| Earnings coverage of net charge-offs (x) | 4.5404% | 3,102 |
| Efficiency ratio | 69.9795% | 4,594 |
| Assets per employee ($millions) | 2.9640% | 6,257 |
| Cash dividends to net income (ytd only)* | 31.9532% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1763% | 5,255 |
| Loan loss allowance to noncurrent loans | 76.5680% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.3477% | 4,396 |
| Noncurrent loans to loans | 1.5363% | 4,338 |
| Net loans and leases to total assets | 59.2514% | 5,702 |
| Net loans and leases to deposits | 74.7462% | 5,255 |
| Net loans and leases to core deposits | 90.0328% | 5,429 |
| Total domestic deposits to total assets | 79.2701% | 5,702 |
| Equity capital to assets | 16.5945% | 694 |
| Core capital (leverage) ratio | 16.3218% | 635 |
| Tier 1 risk-based capital ratio | 24.8495% | 913 |
| Total risk-based capital ratio | 25.9252% | 908 |
| Memoranda: | ||
| Average total assets | $214,250,250 | 3,034 |
| Average earning assets | $197,207,250 | 3,024 |
| Average equity | $35,112,250 | 1,936 |
| Average total loans | $128,923,750 | 3,324 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6401% | 3,864 |
| Cost of funding earning assets | 1.9515% | 3,995 |
| Net interest margin | 3.6886% | 4,002 |
| Noninterest income to average assets | 1.1398% | 1,209 |
| Noninterest expense to average assets | 3.1001% | 3,701 |
| Loan and lease loss provision to assets | 0.2997% | 4,166 |
| Net operating income to assets | 0.9776% | 2,188 |
| Return on assets (ROA) | 0.9769% | 2,283 |
| Pretax return on assets | 1.1408% | 2,499 |
| Return on Equity (ROE) | 5.9861% | 3,655 |
| Retained earnings to average equity (ytd only) | 3.3288% | 3,473 |
| Net charge-offs to loans | 0.3575% | 3,396 |
| Credit loss provision to net charge-offs | 139.1304% | 3,355 |
| Earnings coverage of net charge-offs (x) | 6.6870% | 2,566 |
| Efficiency ratio | 68.2756% | 5,109 |
| Assets per employee ($millions) | 3.0051% | 6,116 |
| Cash dividends to net income (ytd only)* | 44.3912% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 4,976 |
| Loan loss allowance to noncurrent loans | 58.6890% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 1.6446% | 3,738 |
| Noncurrent loans to loans | 2.0374% | 3,463 |
| Net loans and leases to total assets | 59.6410% | 5,743 |
| Net loans and leases to deposits | 74.6352% | 5,360 |
| Net loans and leases to core deposits | 89.4127% | 5,582 |
| Total domestic deposits to total assets | 79.9100% | 5,502 |
| Equity capital to assets | 16.3190% | 778 |
| Core capital (leverage) ratio | 16.2267% | 715 |
| Tier 1 risk-based capital ratio | 24.5716% | 977 |
| Total risk-based capital ratio | 25.6576% | 974 |
| Memoranda: | ||
| Average total assets | $213,542,670 | 3,063 |
| Average earning assets | $196,877,330 | 3,039 |
| Average equity | $34,847,670 | 1,947 |
| Average total loans | $128,655,000 | 3,357 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6547% | 4,021 |
| Cost of funding earning assets | 1.9796% | 4,242 |
| Net interest margin | 3.6752% | 3,994 |
| Noninterest income to average assets | 1.0710% | 1,297 |
| Noninterest expense to average assets | 2.9097% | 4,125 |
| Loan and lease loss provision to assets | 0.3558% | 3,185 |
| Net operating income to assets | 1.0055% | 2,289 |
| Return on assets (ROA) | 0.9999% | 2,446 |
| Pretax return on assets | 1.1927% | 2,653 |
| Return on Equity (ROE) | 6.1270% | 3,987 |
| Retained earnings to average equity (ytd only) | 6.1270% | 2,574 |
| Net charge-offs to loans | 0.0529% | 4,729 |
| Credit loss provision to net charge-offs | 1,117.6471% | 567 |
| Earnings coverage of net charge-offs (x) | 48.8235% | 744 |
| Efficiency ratio | 65.1846% | 5,471 |
| Assets per employee ($millions) | 2.9340% | 6,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 4,315 |
| Loan loss allowance to noncurrent loans | 425.9843% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.6401% | 5,571 |
| Noncurrent loans to loans | 0.2968% | 6,701 |
| Net loans and leases to total assets | 59.1755% | 5,787 |
| Net loans and leases to deposits | 74.1181% | 5,465 |
| Net loans and leases to core deposits | 91.8289% | 5,360 |
| Total domestic deposits to total assets | 79.8394% | 5,422 |
| Equity capital to assets | 16.3830% | 812 |
| Core capital (leverage) ratio | 16.2770% | 743 |
| Tier 1 risk-based capital ratio | 24.7937% | 998 |
| Total risk-based capital ratio | 25.9502% | 987 |
| Memoranda: | ||
| Average total assets | $213,631,500 | 3,073 |
| Average earning assets | $197,215,000 | 3,051 |
| Average equity | $34,862,000 | 1,954 |
| Average total loans | $128,586,000 | 3,398 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9988% | 5,549 |
| Cost of funding earning assets | 2.3691% | 4,857 |
| Net interest margin | 3.6297% | 4,753 |
| Noninterest income to average assets | 1.2054% | 1,023 |
| Noninterest expense to average assets | 3.1265% | 3,598 |
| Loan and lease loss provision to assets | 0.0471% | 6,829 |
| Net operating income to assets | 1.1078% | 2,115 |
| Return on assets (ROA) | 1.1300% | 1,950 |
| Pretax return on assets | 1.3953% | 1,985 |
| Return on Equity (ROE) | 7.0732% | 3,493 |
| Retained earnings to average equity (ytd only) | 4.3418% | 2,417 |
| Net charge-offs to loans | 0.0565% | 5,967 |
| Credit loss provision to net charge-offs | 156.2500% | 3,332 |
| Earnings coverage of net charge-offs (x) | 46.9219% | 795 |
| Efficiency ratio | 68.8421% | 4,569 |
| Assets per employee ($millions) | 2.9594% | 6,154 |
| Cash dividends to net income (ytd only)* | 38.6155% | 3,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 5,090 |
| Loan loss allowance to noncurrent loans | 275.1423% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.7119% | 5,089 |
| Noncurrent loans to loans | 0.4091% | 6,114 |
| Net loans and leases to total assets | 59.7687% | 5,944 |
| Net loans and leases to deposits | 75.9579% | 5,596 |
| Net loans and leases to core deposits | 89.8397% | 5,813 |
| Total domestic deposits to total assets | 78.6867% | 5,486 |
| Equity capital to assets | 16.2541% | 889 |
| Core capital (leverage) ratio | 16.1735% | 800 |
| Tier 1 risk-based capital ratio | 24.1774% | 1,068 |
| Total risk-based capital ratio | 25.2008% | 1,068 |
| Memoranda: | ||
| Average total assets | $212,215,600 | 2,978 |
| Average earning assets | $195,055,000 | 2,960 |
| Average equity | $33,902,600 | 1,999 |
| Average total loans | $113,341,800 | 3,604 |