Home > The First National Bank in Staunton > Performance and Condition Ratios
The First National Bank in Staunton, 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 | 4.0046% | 4,246 |
| Cost of funding earning assets | 0.7249% | 3,041 |
| Net interest margin | 3.2797% | 4,026 |
| Noninterest income to average assets | 0.7089% | 1,782 |
| Noninterest expense to average assets | 2.4547% | 3,564 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3138% | 1,636 |
| Return on assets (ROA) | 1.3190% | 1,701 |
| Pretax return on assets | 1.3340% | 2,384 |
| Return on Equity (ROE) | 11.0177% | 1,880 |
| Retained earnings to average equity (ytd only) | 4.6900% | 2,593 |
| Net charge-offs to loans | 0.0905% | 1,828 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 21.9422% | 1,870 |
| Efficiency ratio | 64.0167% | 3,072 |
| Assets per employee ($millions) | 4.8187% | 2,816 |
| Cash dividends to net income (ytd only)* | 57.4320% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4927% | 1,253 |
| Loan loss allowance to noncurrent loans | 387.7708% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 3,319 |
| Noncurrent loans to loans | 0.3849% | 3,058 |
| Net loans and leases to total assets | 66.6613% | 2,879 |
| Net loans and leases to deposits | 82.8240% | 2,467 |
| Net loans and leases to core deposits | 84.1280% | 2,935 |
| Total domestic deposits to total assets | 80.4855% | 3,879 |
| Equity capital to assets | 12.3691% | 1,901 |
| Core capital (leverage) ratio | 11.9757% | 1,798 |
| Tier 1 risk-based capital ratio | 15.6572% | 2,520 |
| Total risk-based capital ratio | 16.9083% | 2,457 |
| Memoranda: | ||
| Average total assets | $543,234,200 | 1,319 |
| Average earning assets | $509,287,000 | 1,311 |
| Average equity | $65,032,000 | 1,294 |
| Average total loans | $363,712,600 | 1,373 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9960% | 4,372 |
| Cost of funding earning assets | 0.7183% | 3,119 |
| Net interest margin | 3.2776% | 4,131 |
| Noninterest income to average assets | 0.7057% | 1,758 |
| Noninterest expense to average assets | 2.4512% | 3,564 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3136% | 1,795 |
| Return on assets (ROA) | 1.3180% | 1,851 |
| Pretax return on assets | 1.3338% | 2,554 |
| Return on Equity (ROE) | 11.1034% | 1,979 |
| Retained earnings to average equity (ytd only) | 2.5711% | 4,063 |
| Net charge-offs to loans | 0.0800% | 1,682 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 24.8891% | 1,781 |
| Efficiency ratio | 63.9714% | 3,010 |
| Assets per employee ($millions) | 4.4169% | 3,323 |
| Cash dividends to net income (ytd only)* | 76.8441% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5150% | 1,208 |
| Loan loss allowance to noncurrent loans | 336.7638% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.3094% | 3,304 |
| Noncurrent loans to loans | 0.4499% | 2,959 |
| Net loans and leases to total assets | 67.7358% | 2,826 |
| Net loans and leases to deposits | 84.4458% | 2,396 |
| Net loans and leases to core deposits | 85.8180% | 2,924 |
| Total domestic deposits to total assets | 80.2122% | 3,946 |
| Equity capital to assets | 12.1726% | 2,134 |
| Core capital (leverage) ratio | 11.7924% | 2,001 |
| Tier 1 risk-based capital ratio | 15.6643% | 2,578 |
| Total risk-based capital ratio | 16.9162% | 2,511 |
| Memoranda: | ||
| Average total assets | $541,709,000 | 1,332 |
| Average earning assets | $508,197,500 | 1,320 |
| Average equity | $64,303,000 | 1,308 |
| Average total loans | $361,705,000 | 1,387 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9507% | 4,482 |
| Cost of funding earning assets | 0.7040% | 3,149 |
| Net interest margin | 3.2466% | 4,248 |
| Noninterest income to average assets | 0.6748% | 1,815 |
| Noninterest expense to average assets | 2.4265% | 3,670 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2721% | 1,874 |
| Return on assets (ROA) | 1.2779% | 1,919 |
| Pretax return on assets | 1.2946% | 2,581 |
| Return on Equity (ROE) | 10.8583% | 2,040 |
| Retained earnings to average equity (ytd only) | 0.1821% | 4,642 |
| Net charge-offs to loans | 0.0805% | 1,555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 24.2153% | 1,633 |
| Efficiency ratio | 64.4385% | 3,066 |
| Assets per employee ($millions) | 4.3534% | 3,362 |
| Cash dividends to net income (ytd only)* | 98.3227% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5604% | 1,122 |
| Loan loss allowance to noncurrent loans | 333.1203% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.3279% | 3,222 |
| Noncurrent loans to loans | 0.4684% | 2,874 |
| Net loans and leases to total assets | 66.9984% | 2,963 |
| Net loans and leases to deposits | 83.0036% | 2,608 |
| Net loans and leases to core deposits | 84.2501% | 3,084 |
| Total domestic deposits to total assets | 80.7175% | 3,888 |
| Equity capital to assets | 11.9998% | 2,184 |
| Core capital (leverage) ratio | 11.4394% | 2,219 |
| Tier 1 risk-based capital ratio | 15.6287% | 2,573 |
| Total risk-based capital ratio | 16.8811% | 2,502 |
| Memoranda: | ||
| Average total assets | $541,184,000 | 1,333 |
| Average earning assets | $506,800,000 | 1,321 |
| Average equity | $63,693,330 | 1,311 |
| Average total loans | $357,720,330 | 1,407 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9039% | 4,547 |
| Cost of funding earning assets | 0.6877% | 3,114 |
| Net interest margin | 3.2162% | 4,356 |
| Noninterest income to average assets | 0.6444% | 1,837 |
| Noninterest expense to average assets | 2.3452% | 3,907 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2756% | 1,793 |
| Return on assets (ROA) | 1.2756% | 1,839 |
| Pretax return on assets | 1.2926% | 2,483 |
| Return on Equity (ROE) | 10.9452% | 1,969 |
| Retained earnings to average equity (ytd only) | -0.1393% | 4,550 |
| Net charge-offs to loans | -0.0317% | 4,670 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5755% | 3,304 |
| Assets per employee ($millions) | 4.2756% | 3,518 |
| Cash dividends to net income (ytd only)* | 101.2731% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6717% | 916 |
| Loan loss allowance to noncurrent loans | 311.6095% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 3,022 |
| Noncurrent loans to loans | 0.5365% | 2,703 |
| Net loans and leases to total assets | 63.9642% | 3,289 |
| Net loans and leases to deposits | 79.1740% | 2,932 |
| Net loans and leases to core deposits | 80.3174% | 3,334 |
| Total domestic deposits to total assets | 80.7894% | 4,006 |
| Equity capital to assets | 11.7282% | 2,208 |
| Core capital (leverage) ratio | 11.5280% | 2,118 |
| Tier 1 risk-based capital ratio | 15.4951% | 2,654 |
| Total risk-based capital ratio | 16.7479% | 2,573 |
| Memoranda: | ||
| Average total assets | $541,863,500 | 1,333 |
| Average earning assets | $504,321,500 | 1,334 |
| Average equity | $63,151,000 | 1,315 |
| Average total loans | $352,877,000 | 1,428 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7713% | 4,554 |
| Cost of funding earning assets | 0.5711% | 2,915 |
| Net interest margin | 3.2003% | 4,483 |
| Noninterest income to average assets | 0.7447% | 1,672 |
| Noninterest expense to average assets | 2.4647% | 3,715 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2694% | 1,918 |
| Return on assets (ROA) | 1.2734% | 1,900 |
| Pretax return on assets | 1.2828% | 2,566 |
| Return on Equity (ROE) | 10.9328% | 2,109 |
| Retained earnings to average equity (ytd only) | 2.3183% | 4,229 |
| Net charge-offs to loans | 0.3836% | 491 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 5.0697% | 3,224 |
| Efficiency ratio | 64.9455% | 3,036 |
| Assets per employee ($millions) | 4.2914% | 3,474 |
| Cash dividends to net income (ytd only)* | 78.7951% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6671% | 885 |
| Loan loss allowance to noncurrent loans | 515.9789% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 3,601 |
| Noncurrent loans to loans | 0.3231% | 3,394 |
| Net loans and leases to total assets | 64.1075% | 3,349 |
| Net loans and leases to deposits | 80.2908% | 2,922 |
| Net loans and leases to core deposits | 81.3217% | 3,322 |
| Total domestic deposits to total assets | 79.8441% | 4,140 |
| Equity capital to assets | 11.5803% | 2,193 |
| Core capital (leverage) ratio | 11.5156% | 2,093 |
| Tier 1 risk-based capital ratio | 15.1853% | 2,744 |
| Total risk-based capital ratio | 16.4378% | 2,678 |
| Memoranda: | ||
| Average total assets | $529,226,400 | 1,331 |
| Average earning assets | $495,926,200 | 1,323 |
| Average equity | $61,640,200 | 1,291 |
| Average total loans | $348,058,600 | 1,412 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7237% | 4,610 |
| Cost of funding earning assets | 0.5417% | 2,921 |
| Net interest margin | 3.1821% | 4,546 |
| Noninterest income to average assets | 0.7617% | 1,623 |
| Noninterest expense to average assets | 2.4503% | 3,734 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2825% | 1,920 |
| Return on assets (ROA) | 1.2850% | 1,914 |
| Pretax return on assets | 1.2947% | 2,648 |
| Return on Equity (ROE) | 11.0167% | 2,170 |
| Retained earnings to average equity (ytd only) | 1.1358% | 4,818 |
| Net charge-offs to loans | 0.5130% | 301 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 3.8210% | 3,122 |
| Efficiency ratio | 64.5729% | 3,091 |
| Assets per employee ($millions) | 4.0990% | 3,730 |
| Cash dividends to net income (ytd only)* | 89.6906% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6966% | 877 |
| Loan loss allowance to noncurrent loans | 359.0104% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.3110% | 3,448 |
| Noncurrent loans to loans | 0.4726% | 2,969 |
| Net loans and leases to total assets | 63.9044% | 3,440 |
| Net loans and leases to deposits | 79.8688% | 3,062 |
| Net loans and leases to core deposits | 80.9025% | 3,415 |
| Total domestic deposits to total assets | 80.0118% | 4,122 |
| Equity capital to assets | 11.4603% | 2,292 |
| Core capital (leverage) ratio | 11.7079% | 2,005 |
| Tier 1 risk-based capital ratio | 15.0519% | 2,862 |
| Total risk-based capital ratio | 16.3044% | 2,782 |
| Memoranda: | ||
| Average total assets | $526,353,000 | 1,341 |
| Average earning assets | $493,042,250 | 1,331 |
| Average equity | $61,396,000 | 1,296 |
| Average total loans | $346,943,500 | 1,422 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6975% | 4,590 |
| Cost of funding earning assets | 0.5127% | 2,910 |
| Net interest margin | 3.1848% | 4,542 |
| Noninterest income to average assets | 0.7829% | 1,526 |
| Noninterest expense to average assets | 2.4545% | 3,764 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2912% | 1,803 |
| Return on assets (ROA) | 1.2942% | 1,785 |
| Pretax return on assets | 1.3038% | 2,496 |
| Return on Equity (ROE) | 11.0300% | 2,098 |
| Retained earnings to average equity (ytd only) | -0.5138% | 5,029 |
| Net charge-offs to loans | 0.7415% | 193 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 2.6488% | 2,956 |
| Efficiency ratio | 64.4686% | 3,253 |
| Assets per employee ($millions) | 4.1008% | 3,729 |
| Cash dividends to net income (ytd only)* | 104.6580% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7049% | 899 |
| Loan loss allowance to noncurrent loans | 190.0866% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.5985% | 2,427 |
| Noncurrent loans to loans | 0.8969% | 1,927 |
| Net loans and leases to total assets | 65.5934% | 3,205 |
| Net loans and leases to deposits | 81.2288% | 2,840 |
| Net loans and leases to core deposits | 82.4554% | 3,204 |
| Total domestic deposits to total assets | 80.7514% | 4,064 |
| Equity capital to assets | 11.6768% | 2,076 |
| Core capital (leverage) ratio | 11.6384% | 1,951 |
| Tier 1 risk-based capital ratio | 15.4900% | 2,638 |
| Total risk-based capital ratio | 16.7435% | 2,582 |
| Memoranda: | ||
| Average total assets | $524,179,330 | 1,350 |
| Average earning assets | $489,200,000 | 1,342 |
| Average equity | $61,505,000 | 1,295 |
| Average total loans | $347,122,330 | 1,418 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6465% | 4,605 |
| Cost of funding earning assets | 0.4816% | 2,945 |
| Net interest margin | 3.1649% | 4,566 |
| Noninterest income to average assets | 0.8352% | 1,348 |
| Noninterest expense to average assets | 2.4082% | 3,920 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3562% | 1,459 |
| Return on assets (ROA) | 1.3562% | 1,473 |
| Pretax return on assets | 1.3661% | 2,120 |
| Return on Equity (ROE) | 11.5309% | 1,757 |
| Retained earnings to average equity (ytd only) | -0.1099% | 4,815 |
| Net charge-offs to loans | 0.0173% | 2,168 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 119.7333% | 525 |
| Efficiency ratio | 62.9182% | 3,647 |
| Assets per employee ($millions) | 4.0577% | 3,875 |
| Cash dividends to net income (ytd only)* | 100.9534% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0877% | 469 |
| Loan loss allowance to noncurrent loans | 136.5655% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.9991% | 1,570 |
| Noncurrent loans to loans | 1.5287% | 1,147 |
| Net loans and leases to total assets | 63.9900% | 3,308 |
| Net loans and leases to deposits | 78.3667% | 2,979 |
| Net loans and leases to core deposits | 79.5248% | 3,360 |
| Total domestic deposits to total assets | 81.6546% | 4,050 |
| Equity capital to assets | 11.6041% | 2,056 |
| Core capital (leverage) ratio | 11.6391% | 1,902 |
| Tier 1 risk-based capital ratio | 15.9836% | 2,478 |
| Total risk-based capital ratio | 17.2417% | 2,413 |
| Memoranda: | ||
| Average total assets | $525,868,500 | 1,358 |
| Average earning assets | $488,359,000 | 1,352 |
| Average equity | $61,851,000 | 1,297 |
| Average total loans | $346,915,500 | 1,416 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6423% | 4,470 |
| Cost of funding earning assets | 0.4935% | 2,388 |
| Net interest margin | 3.1488% | 4,580 |
| Noninterest income to average assets | 0.7780% | 1,649 |
| Noninterest expense to average assets | 2.5124% | 3,742 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1900% | 1,551 |
| Return on assets (ROA) | 1.1971% | 1,557 |
| Pretax return on assets | 1.2060% | 2,752 |
| Return on Equity (ROE) | 9.9344% | 1,914 |
| Retained earnings to average equity (ytd only) | 0.8892% | 4,677 |
| Net charge-offs to loans | 0.0418% | 2,947 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 42.5172% | 1,203 |
| Efficiency ratio | 66.5339% | 3,163 |
| Assets per employee ($millions) | 3.9715% | 4,009 |
| Cash dividends to net income (ytd only)* | 91.0494% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0659% | 471 |
| Loan loss allowance to noncurrent loans | 585.3896% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.2350% | 3,966 |
| Noncurrent loans to loans | 0.3529% | 3,497 |
| Net loans and leases to total assets | 65.2138% | 3,201 |
| Net loans and leases to deposits | 80.6348% | 2,851 |
| Net loans and leases to core deposits | 81.7706% | 3,264 |
| Total domestic deposits to total assets | 80.8754% | 4,148 |
| Equity capital to assets | 11.9203% | 1,893 |
| Core capital (leverage) ratio | 12.2870% | 1,455 |
| Tier 1 risk-based capital ratio | 15.8764% | 2,480 |
| Total risk-based capital ratio | 17.1345% | 2,420 |
| Memoranda: | ||
| Average total assets | $514,241,600 | 1,360 |
| Average earning assets | $479,040,800 | 1,359 |
| Average equity | $61,966,400 | 1,278 |
| Average total loans | $346,573,600 | 1,386 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6255% | 4,499 |
| Cost of funding earning assets | 0.4826% | 2,411 |
| Net interest margin | 3.1430% | 4,594 |
| Noninterest income to average assets | 0.7808% | 1,660 |
| Noninterest expense to average assets | 2.4791% | 3,802 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2131% | 1,638 |
| Return on assets (ROA) | 1.2173% | 1,652 |
| Pretax return on assets | 1.2264% | 2,797 |
| Return on Equity (ROE) | 10.0738% | 2,099 |
| Retained earnings to average equity (ytd only) | -0.4485% | 5,282 |
| Net charge-offs to loans | 0.0208% | 3,070 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 86.8682% | 763 |
| Efficiency ratio | 65.7328% | 3,260 |
| Assets per employee ($millions) | 3.9417% | 4,089 |
| Cash dividends to net income (ytd only)* | 104.4520% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1181% | 470 |
| Loan loss allowance to noncurrent loans | 763.2184% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.1853% | 4,364 |
| Noncurrent loans to loans | 0.2775% | 3,956 |
| Net loans and leases to total assets | 65.3675% | 3,197 |
| Net loans and leases to deposits | 80.3049% | 2,942 |
| Net loans and leases to core deposits | 81.4968% | 3,327 |
| Total domestic deposits to total assets | 81.3991% | 3,949 |
| Equity capital to assets | 12.1263% | 1,886 |
| Core capital (leverage) ratio | 12.0661% | 1,643 |
| Tier 1 risk-based capital ratio | 16.1889% | 2,422 |
| Total risk-based capital ratio | 17.4482% | 2,371 |
| Memoranda: | ||
| Average total assets | $511,741,500 | 1,378 |
| Average earning assets | $475,502,750 | 1,379 |
| Average equity | $61,835,250 | 1,287 |
| Average total loans | $345,944,500 | 1,397 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5879% | 4,544 |
| Cost of funding earning assets | 0.4840% | 2,295 |
| Net interest margin | 3.1039% | 4,673 |
| Noninterest income to average assets | 0.7852% | 1,625 |
| Noninterest expense to average assets | 2.4602% | 3,891 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1870% | 1,637 |
| Return on assets (ROA) | 1.1929% | 1,654 |
| Pretax return on assets | 1.2019% | 2,765 |
| Return on Equity (ROE) | 9.8839% | 2,089 |
| Retained earnings to average equity (ytd only) | -1.4194% | 5,278 |
| Net charge-offs to loans | 0.0826% | 1,786 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 21.3357% | 1,755 |
| Efficiency ratio | 65.9805% | 3,358 |
| Assets per employee ($millions) | 3.8807% | 4,158 |
| Cash dividends to net income (ytd only)* | 114.3608% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0921% | 518 |
| Loan loss allowance to noncurrent loans | 484.1611% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 3,820 |
| Noncurrent loans to loans | 0.4321% | 3,465 |
| Net loans and leases to total assets | 65.9086% | 3,120 |
| Net loans and leases to deposits | 81.4956% | 2,746 |
| Net loans and leases to core deposits | 82.7149% | 3,195 |
| Total domestic deposits to total assets | 80.8739% | 4,213 |
| Equity capital to assets | 12.1935% | 1,792 |
| Core capital (leverage) ratio | 11.9668% | 1,647 |
| Tier 1 risk-based capital ratio | 16.0614% | 2,478 |
| Total risk-based capital ratio | 17.3202% | 2,415 |
| Memoranda: | ||
| Average total assets | $510,199,670 | 1,389 |
| Average earning assets | $471,920,330 | 1,393 |
| Average equity | $61,575,000 | 1,292 |
| Average total loans | $346,312,670 | 1,402 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5581% | 4,524 |
| Cost of funding earning assets | 0.4634% | 2,392 |
| Net interest margin | 3.0947% | 4,662 |
| Noninterest income to average assets | 0.7518% | 1,741 |
| Noninterest expense to average assets | 2.4220% | 4,051 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1807% | 1,550 |
| Return on assets (ROA) | 1.1823% | 1,590 |
| Pretax return on assets | 1.1909% | 2,630 |
| Return on Equity (ROE) | 9.8475% | 2,028 |
| Retained earnings to average equity (ytd only) | -5.0710% | 5,391 |
| Net charge-offs to loans | 0.0761% | 1,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 22.9394% | 1,402 |
| Efficiency ratio | 65.7385% | 3,541 |
| Assets per employee ($millions) | 3.8053% | 4,339 |
| Cash dividends to net income (ytd only)* | 151.4950% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1077% | 543 |
| Loan loss allowance to noncurrent loans | 373.5143% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 3,487 |
| Noncurrent loans to loans | 0.5643% | 3,114 |
| Net loans and leases to total assets | 65.4341% | 3,057 |
| Net loans and leases to deposits | 79.8313% | 2,773 |
| Net loans and leases to core deposits | 80.9930% | 3,196 |
| Total domestic deposits to total assets | 81.9654% | 4,179 |
| Equity capital to assets | 11.8001% | 1,968 |
| Core capital (leverage) ratio | 11.9912% | 1,636 |
| Tier 1 risk-based capital ratio | 15.9534% | 2,568 |
| Total risk-based capital ratio | 17.2126% | 2,516 |
| Memoranda: | ||
| Average total assets | $509,176,000 | 1,395 |
| Average earning assets | $470,480,000 | 1,406 |
| Average equity | $61,132,000 | 1,300 |
| Average total loans | $347,054,500 | 1,408 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6544% | 4,358 |
| Cost of funding earning assets | 0.4645% | 2,402 |
| Net interest margin | 3.1898% | 4,475 |
| Noninterest income to average assets | 0.7757% | 1,851 |
| Noninterest expense to average assets | 2.4754% | 4,092 |
| Loan and lease loss provision to assets | 0.0451% | 3,483 |
| Net operating income to assets | 1.1888% | 1,544 |
| Return on assets (ROA) | 1.2259% | 1,514 |
| Pretax return on assets | 1.2295% | 2,554 |
| Return on Equity (ROE) | 9.7788% | 2,068 |
| Retained earnings to average equity (ytd only) | 1.7364% | 4,538 |
| Net charge-offs to loans | 0.2776% | 993 |
| Credit loss provision to net charge-offs | 24.8894% | 3,636 |
| Earnings coverage of net charge-offs (x) | 6.8296% | 3,117 |
| Efficiency ratio | 65.3531% | 3,700 |
| Assets per employee ($millions) | 3.7375% | 4,417 |
| Cash dividends to net income (ytd only)* | 82.2433% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1130% | 537 |
| Loan loss allowance to noncurrent loans | 374.0214% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.4261% | 3,565 |
| Noncurrent loans to loans | 0.5649% | 3,144 |
| Net loans and leases to total assets | 68.0521% | 2,759 |
| Net loans and leases to deposits | 84.1830% | 2,393 |
| Net loans and leases to core deposits | 85.3302% | 2,900 |
| Total domestic deposits to total assets | 80.8382% | 4,375 |
| Equity capital to assets | 12.2189% | 1,671 |
| Core capital (leverage) ratio | 12.1470% | 1,514 |
| Tier 1 risk-based capital ratio | 16.5135% | 2,348 |
| Total risk-based capital ratio | 17.7732% | 2,282 |
| Memoranda: | ||
| Average total assets | $498,912,000 | 1,381 |
| Average earning assets | $459,396,200 | 1,387 |
| Average equity | $62,543,400 | 1,248 |
| Average total loans | $325,698,600 | 1,429 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6561% | 4,385 |
| Cost of funding earning assets | 0.4581% | 2,478 |
| Net interest margin | 3.1980% | 4,496 |
| Noninterest income to average assets | 0.7656% | 1,913 |
| Noninterest expense to average assets | 2.4487% | 4,138 |
| Loan and lease loss provision to assets | 0.0334% | 3,563 |
| Net operating income to assets | 1.2262% | 1,535 |
| Return on assets (ROA) | 1.2712% | 1,481 |
| Pretax return on assets | 1.2733% | 2,532 |
| Return on Equity (ROE) | 10.0760% | 2,020 |
| Retained earnings to average equity (ytd only) | -0.2184% | 5,396 |
| Net charge-offs to loans | 0.3537% | 639 |
| Credit loss provision to net charge-offs | 14.7232% | 3,332 |
| Earnings coverage of net charge-offs (x) | 5.5560% | 3,116 |
| Efficiency ratio | 64.6745% | 3,823 |
| Assets per employee ($millions) | 3.8531% | 4,208 |
| Cash dividends to net income (ytd only)* | 102.1675% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2257% | 489 |
| Loan loss allowance to noncurrent loans | 320.8425% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.4692% | 3,552 |
| Noncurrent loans to loans | 0.6937% | 2,947 |
| Net loans and leases to total assets | 64.6249% | 3,321 |
| Net loans and leases to deposits | 79.8015% | 2,993 |
| Net loans and leases to core deposits | 80.8932% | 3,363 |
| Total domestic deposits to total assets | 80.9821% | 4,253 |
| Equity capital to assets | 12.6895% | 1,653 |
| Core capital (leverage) ratio | 12.1194% | 1,592 |
| Tier 1 risk-based capital ratio | 16.8199% | 2,287 |
| Total risk-based capital ratio | 18.0805% | 2,238 |
| Memoranda: | ||
| Average total assets | $498,432,250 | 1,387 |
| Average earning assets | $458,983,000 | 1,394 |
| Average equity | $62,880,250 | 1,254 |
| Average total loans | $320,077,500 | 1,452 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6500% | 4,449 |
| Cost of funding earning assets | 0.4574% | 2,498 |
| Net interest margin | 3.1926% | 4,564 |
| Noninterest income to average assets | 0.7444% | 1,953 |
| Noninterest expense to average assets | 2.4510% | 4,173 |
| Loan and lease loss provision to assets | 0.0100% | 3,893 |
| Net operating income to assets | 1.2335% | 1,491 |
| Return on assets (ROA) | 1.2961% | 1,389 |
| Pretax return on assets | 1.2949% | 2,428 |
| Return on Equity (ROE) | 10.2936% | 1,927 |
| Retained earnings to average equity (ytd only) | 0.8055% | 5,058 |
| Net charge-offs to loans | 0.1771% | 1,278 |
| Credit loss provision to net charge-offs | 8.8968% | 3,003 |
| Earnings coverage of net charge-offs (x) | 11.0285% | 2,288 |
| Efficiency ratio | 65.0385% | 3,842 |
| Assets per employee ($millions) | 3.7605% | 4,341 |
| Cash dividends to net income (ytd only)* | 92.1745% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3983% | 411 |
| Loan loss allowance to noncurrent loans | 439.0519% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 3,986 |
| Noncurrent loans to loans | 0.5462% | 3,430 |
| Net loans and leases to total assets | 64.2705% | 3,329 |
| Net loans and leases to deposits | 80.0899% | 2,922 |
| Net loans and leases to core deposits | 81.1474% | 3,349 |
| Total domestic deposits to total assets | 80.2479% | 4,488 |
| Equity capital to assets | 12.9425% | 1,540 |
| Core capital (leverage) ratio | 12.0884% | 1,566 |
| Tier 1 risk-based capital ratio | 15.9367% | 2,671 |
| Total risk-based capital ratio | 17.1974% | 2,604 |
| Memoranda: | ||
| Average total assets | $498,893,670 | 1,388 |
| Average earning assets | $460,817,330 | 1,386 |
| Average equity | $62,816,000 | 1,257 |
| Average total loans | $317,260,330 | 1,461 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6261% | 4,551 |
| Cost of funding earning assets | 0.4535% | 2,546 |
| Net interest margin | 3.1727% | 4,664 |
| Noninterest income to average assets | 0.7394% | 1,861 |
| Noninterest expense to average assets | 2.3824% | 4,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2924% | 1,277 |
| Return on assets (ROA) | 1.3569% | 1,188 |
| Pretax return on assets | 1.3481% | 2,098 |
| Return on Equity (ROE) | 10.9264% | 1,622 |
| Retained earnings to average equity (ytd only) | -0.3016% | 5,162 |
| Net charge-offs to loans | 0.2397% | 854 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.5691% | 2,042 |
| Efficiency ratio | 63.6601% | 4,177 |
| Assets per employee ($millions) | 3.9359% | 4,064 |
| Cash dividends to net income (ytd only)* | 102.7598% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4715% | 399 |
| Loan loss allowance to noncurrent loans | 399.1862% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.4057% | 3,968 |
| Noncurrent loans to loans | 0.6191% | 3,317 |
| Net loans and leases to total assets | 61.9560% | 3,536 |
| Net loans and leases to deposits | 78.1477% | 2,995 |
| Net loans and leases to core deposits | 79.3322% | 3,379 |
| Total domestic deposits to total assets | 79.2806% | 4,904 |
| Equity capital to assets | 12.5267% | 1,667 |
| Core capital (leverage) ratio | 12.0646% | 1,568 |
| Tier 1 risk-based capital ratio | 16.1651% | 2,598 |
| Total risk-based capital ratio | 17.4267% | 2,551 |
| Memoranda: | ||
| Average total assets | $502,024,500 | 1,381 |
| Average earning assets | $463,081,500 | 1,376 |
| Average equity | $62,344,500 | 1,258 |
| Average total loans | $313,692,000 | 1,469 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6590% | 4,492 |
| Cost of funding earning assets | 0.4340% | 2,802 |
| Net interest margin | 3.2250% | 4,543 |
| Noninterest income to average assets | 0.8503% | 1,606 |
| Noninterest expense to average assets | 2.5625% | 4,034 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2830% | 1,308 |
| Return on assets (ROA) | 1.2933% | 1,332 |
| Pretax return on assets | 1.3119% | 2,235 |
| Return on Equity (ROE) | 10.3731% | 1,855 |
| Retained earnings to average equity (ytd only) | 3.6405% | 3,458 |
| Net charge-offs to loans | 0.1148% | 2,224 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 17.9070% | 2,043 |
| Efficiency ratio | 65.0241% | 4,080 |
| Assets per employee ($millions) | 4.0015% | 3,935 |
| Cash dividends to net income (ytd only)* | 64.9042% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5936% | 358 |
| Loan loss allowance to noncurrent loans | 363.9493% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.4439% | 3,838 |
| Noncurrent loans to loans | 0.7126% | 3,049 |
| Net loans and leases to total assets | 59.8598% | 3,855 |
| Net loans and leases to deposits | 74.7465% | 3,404 |
| Net loans and leases to core deposits | 75.8549% | 3,771 |
| Total domestic deposits to total assets | 80.0838% | 4,722 |
| Equity capital to assets | 12.3115% | 1,731 |
| Core capital (leverage) ratio | 11.8737% | 1,706 |
| Tier 1 risk-based capital ratio | 16.3808% | 2,535 |
| Total risk-based capital ratio | 17.6430% | 2,488 |
| Memoranda: | ||
| Average total assets | $488,436,400 | 1,382 |
| Average earning assets | $456,432,800 | 1,357 |
| Average equity | $60,897,800 | 1,245 |
| Average total loans | $309,120,000 | 1,436 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6752% | 4,503 |
| Cost of funding earning assets | 0.4199% | 3,010 |
| Net interest margin | 3.2553% | 4,504 |
| Noninterest income to average assets | 0.8476% | 1,629 |
| Noninterest expense to average assets | 2.5612% | 4,011 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3221% | 1,287 |
| Return on assets (ROA) | 1.3256% | 1,334 |
| Pretax return on assets | 1.3449% | 2,229 |
| Return on Equity (ROE) | 10.5975% | 1,865 |
| Retained earnings to average equity (ytd only) | 3.1174% | 4,236 |
| Net charge-offs to loans | 0.0311% | 3,303 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 67.6927% | 829 |
| Efficiency ratio | 64.3396% | 4,185 |
| Assets per employee ($millions) | 3.6504% | 4,517 |
| Cash dividends to net income (ytd only)* | 70.5833% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7156% | 332 |
| Loan loss allowance to noncurrent loans | 369.1966% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.4791% | 3,894 |
| Noncurrent loans to loans | 0.7355% | 3,127 |
| Net loans and leases to total assets | 61.3778% | 3,682 |
| Net loans and leases to deposits | 76.8478% | 3,216 |
| Net loans and leases to core deposits | 78.1347% | 3,601 |
| Total domestic deposits to total assets | 79.8693% | 4,778 |
| Equity capital to assets | 12.6498% | 1,652 |
| Core capital (leverage) ratio | 11.8919% | 1,749 |
| Tier 1 risk-based capital ratio | 16.8946% | 2,413 |
| Total risk-based capital ratio | 18.1592% | 2,360 |
| Memoranda: | ||
| Average total assets | $484,498,500 | 1,394 |
| Average earning assets | $454,673,500 | 1,372 |
| Average equity | $60,604,000 | 1,261 |
| Average total loans | $308,939,500 | 1,439 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6636% | 4,530 |
| Cost of funding earning assets | 0.4115% | 3,141 |
| Net interest margin | 3.2521% | 4,489 |
| Noninterest income to average assets | 0.8204% | 1,699 |
| Noninterest expense to average assets | 2.5611% | 4,035 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3058% | 1,308 |
| Return on assets (ROA) | 1.3099% | 1,350 |
| Pretax return on assets | 1.3289% | 2,249 |
| Return on Equity (ROE) | 10.5115% | 1,845 |
| Retained earnings to average equity (ytd only) | 1.3956% | 4,991 |
| Net charge-offs to loans | 0.0071% | 3,653 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 291.5455% | 234 |
| Efficiency ratio | 64.6115% | 4,258 |
| Assets per employee ($millions) | 3.7172% | 4,387 |
| Cash dividends to net income (ytd only)* | 86.7234% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7326% | 357 |
| Loan loss allowance to noncurrent loans | 323.0146% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5581% | 3,750 |
| Noncurrent loans to loans | 0.8460% | 3,009 |
| Net loans and leases to total assets | 61.7191% | 3,595 |
| Net loans and leases to deposits | 77.3738% | 3,110 |
| Net loans and leases to core deposits | 78.5190% | 3,528 |
| Total domestic deposits to total assets | 79.7674% | 4,916 |
| Equity capital to assets | 12.4226% | 1,704 |
| Core capital (leverage) ratio | 11.6721% | 1,861 |
| Tier 1 risk-based capital ratio | 16.8594% | 2,463 |
| Total risk-based capital ratio | 18.1247% | 2,407 |
| Memoranda: | ||
| Average total assets | $484,163,670 | 1,408 |
| Average earning assets | $456,381,000 | 1,369 |
| Average equity | $60,333,670 | 1,271 |
| Average total loans | $309,816,330 | 1,433 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6551% | 4,517 |
| Cost of funding earning assets | 0.3945% | 3,367 |
| Net interest margin | 3.2607% | 4,380 |
| Noninterest income to average assets | 0.7494% | 1,921 |
| Noninterest expense to average assets | 2.5306% | 4,171 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2775% | 1,343 |
| Return on assets (ROA) | 1.2595% | 1,464 |
| Pretax return on assets | 1.2777% | 2,364 |
| Return on Equity (ROE) | 10.0918% | 1,965 |
| Retained earnings to average equity (ytd only) | 0.5026% | 5,221 |
| Net charge-offs to loans | 0.0578% | 2,179 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 34.8889% | 1,053 |
| Efficiency ratio | 64.8188% | 4,343 |
| Assets per employee ($millions) | 3.7100% | 4,498 |
| Cash dividends to net income (ytd only)* | 95.0197% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6821% | 414 |
| Loan loss allowance to noncurrent loans | 677.9041% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 4,643 |
| Noncurrent loans to loans | 0.3956% | 4,403 |
| Net loans and leases to total assets | 61.8293% | 3,396 |
| Net loans and leases to deposits | 77.4270% | 2,889 |
| Net loans and leases to core deposits | 78.6049% | 3,318 |
| Total domestic deposits to total assets | 79.8550% | 5,083 |
| Equity capital to assets | 12.3982% | 1,758 |
| Core capital (leverage) ratio | 11.7925% | 1,786 |
| Tier 1 risk-based capital ratio | 17.3384% | 2,365 |
| Total risk-based capital ratio | 18.6049% | 2,311 |
| Memoranda: | ||
| Average total assets | $484,625,000 | 1,408 |
| Average earning assets | $457,329,500 | 1,370 |
| Average equity | $60,485,000 | 1,268 |
| Average total loans | $311,409,000 | 1,433 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8053% | 4,473 |
| Cost of funding earning assets | 0.4395% | 3,280 |
| Net interest margin | 3.3658% | 4,352 |
| Noninterest income to average assets | 0.7747% | 1,971 |
| Noninterest expense to average assets | 2.5530% | 4,385 |
| Loan and lease loss provision to assets | 0.0927% | 2,617 |
| Net operating income to assets | 1.2969% | 1,313 |
| Return on assets (ROA) | 1.3116% | 1,327 |
| Pretax return on assets | 1.3328% | 2,134 |
| Return on Equity (ROE) | 11.0038% | 1,722 |
| Retained earnings to average equity (ytd only) | 4.9626% | 2,623 |
| Net charge-offs to loans | 0.1468% | 2,570 |
| Credit loss provision to net charge-offs | 97.1922% | 2,498 |
| Earnings coverage of net charge-offs (x) | 14.7862% | 2,129 |
| Efficiency ratio | 63.1439% | 4,734 |
| Assets per employee ($millions) | 3.6055% | 4,707 |
| Cash dividends to net income (ytd only)* | 54.9010% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6922% | 427 |
| Loan loss allowance to noncurrent loans | 762.8182% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.3850% | 4,544 |
| Noncurrent loans to loans | 0.3529% | 4,600 |
| Net loans and leases to total assets | 63.2477% | 3,329 |
| Net loans and leases to deposits | 78.4871% | 2,912 |
| Net loans and leases to core deposits | 79.6582% | 3,332 |
| Total domestic deposits to total assets | 80.5835% | 4,867 |
| Equity capital to assets | 12.5651% | 1,610 |
| Core capital (leverage) ratio | 11.6775% | 1,843 |
| Tier 1 risk-based capital ratio | 17.8115% | 2,198 |
| Total risk-based capital ratio | 19.0420% | 2,168 |
| Memoranda: | ||
| Average total assets | $485,357,800 | 1,373 |
| Average earning assets | $459,828,200 | 1,337 |
| Average equity | $57,852,600 | 1,262 |
| Average total loans | $315,454,000 | 1,368 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8203% | 4,467 |
| Cost of funding earning assets | 0.4413% | 3,355 |
| Net interest margin | 3.3790% | 4,321 |
| Noninterest income to average assets | 0.7526% | 2,082 |
| Noninterest expense to average assets | 2.5159% | 4,476 |
| Loan and lease loss provision to assets | 0.0753% | 2,836 |
| Net operating income to assets | 1.3433% | 1,260 |
| Return on assets (ROA) | 1.3502% | 1,305 |
| Pretax return on assets | 1.3727% | 2,108 |
| Return on Equity (ROE) | 11.4810% | 1,631 |
| Retained earnings to average equity (ytd only) | 3.8076% | 3,946 |
| Net charge-offs to loans | 0.0902% | 2,926 |
| Credit loss provision to net charge-offs | 128.5047% | 1,800 |
| Earnings coverage of net charge-offs (x) | 24.5838% | 1,537 |
| Efficiency ratio | 62.3174% | 4,843 |
| Assets per employee ($millions) | 3.6394% | 4,594 |
| Cash dividends to net income (ytd only)* | 66.8356% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6486% | 528 |
| Loan loss allowance to noncurrent loans | 790.2894% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.3990% | 4,722 |
| Noncurrent loans to loans | 0.3351% | 4,897 |
| Net loans and leases to total assets | 65.7554% | 2,912 |
| Net loans and leases to deposits | 81.0214% | 2,544 |
| Net loans and leases to core deposits | 81.9625% | 3,102 |
| Total domestic deposits to total assets | 81.1580% | 4,782 |
| Equity capital to assets | 12.3845% | 1,785 |
| Core capital (leverage) ratio | 11.4356% | 2,116 |
| Tier 1 risk-based capital ratio | 17.5711% | 2,369 |
| Total risk-based capital ratio | 18.8397% | 2,321 |
| Memoranda: | ||
| Average total assets | $486,815,750 | 1,381 |
| Average earning assets | $461,621,750 | 1,337 |
| Average equity | $57,252,500 | 1,283 |
| Average total loans | $316,397,500 | 1,383 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8002% | 4,522 |
| Cost of funding earning assets | 0.4547% | 3,276 |
| Net interest margin | 3.3455% | 4,424 |
| Noninterest income to average assets | 0.7412% | 2,085 |
| Noninterest expense to average assets | 2.4857% | 4,627 |
| Loan and lease loss provision to assets | 0.0611% | 3,051 |
| Net operating income to assets | 1.3397% | 1,205 |
| Return on assets (ROA) | 1.3680% | 1,180 |
| Pretax return on assets | 1.3920% | 1,920 |
| Return on Equity (ROE) | 11.8334% | 1,472 |
| Retained earnings to average equity (ytd only) | 2.5209% | 4,594 |
| Net charge-offs to loans | 0.1376% | 2,294 |
| Credit loss provision to net charge-offs | 69.1244% | 2,486 |
| Earnings coverage of net charge-offs (x) | 16.1244% | 1,813 |
| Efficiency ratio | 62.3048% | 4,963 |
| Assets per employee ($millions) | 3.6840% | 4,479 |
| Cash dividends to net income (ytd only)* | 78.6968% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6378% | 585 |
| Loan loss allowance to noncurrent loans | 593.8034% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.5305% | 4,411 |
| Noncurrent loans to loans | 0.4442% | 4,649 |
| Net loans and leases to total assets | 63.7614% | 3,109 |
| Net loans and leases to deposits | 78.1617% | 2,780 |
| Net loans and leases to core deposits | 79.0971% | 3,312 |
| Total domestic deposits to total assets | 81.5763% | 4,792 |
| Equity capital to assets | 11.9522% | 2,020 |
| Core capital (leverage) ratio | 10.9393% | 2,480 |
| Tier 1 risk-based capital ratio | 17.4370% | 2,446 |
| Total risk-based capital ratio | 18.7054% | 2,407 |
| Memoranda: | ||
| Average total assets | $491,379,330 | 1,363 |
| Average earning assets | $465,397,000 | 1,321 |
| Average equity | $56,805,330 | 1,281 |
| Average total loans | $315,340,330 | 1,377 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7414% | 4,700 |
| Cost of funding earning assets | 0.4595% | 3,314 |
| Net interest margin | 3.2820% | 4,615 |
| Noninterest income to average assets | 0.6753% | 2,319 |
| Noninterest expense to average assets | 2.4011% | 4,921 |
| Loan and lease loss provision to assets | 0.0605% | 2,895 |
| Net operating income to assets | 1.2988% | 1,217 |
| Return on assets (ROA) | 1.2885% | 1,293 |
| Pretax return on assets | 1.3151% | 2,044 |
| Return on Equity (ROE) | 11.3329% | 1,591 |
| Retained earnings to average equity (ytd only) | 3.3850% | 4,099 |
| Net charge-offs to loans | 0.1168% | 2,023 |
| Credit loss provision to net charge-offs | 81.5217% | 1,887 |
| Earnings coverage of net charge-offs (x) | 18.6739% | 1,409 |
| Efficiency ratio | 62.1006% | 5,103 |
| Assets per employee ($millions) | 3.7289% | 4,467 |
| Cash dividends to net income (ytd only)* | 70.1315% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6750% | 653 |
| Loan loss allowance to noncurrent loans | 423.1080% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 4,223 |
| Noncurrent loans to loans | 0.6322% | 4,282 |
| Net loans and leases to total assets | 61.0613% | 3,387 |
| Net loans and leases to deposits | 73.6842% | 3,107 |
| Net loans and leases to core deposits | 74.4307% | 3,598 |
| Total domestic deposits to total assets | 82.8689% | 4,653 |
| Equity capital to assets | 11.3602% | 2,367 |
| Core capital (leverage) ratio | 10.8440% | 2,549 |
| Tier 1 risk-based capital ratio | 17.4780% | 2,481 |
| Total risk-based capital ratio | 18.7181% | 2,457 |
| Memoranda: | ||
| Average total assets | $495,765,500 | 1,368 |
| Average earning assets | $470,086,000 | 1,315 |
| Average equity | $56,367,000 | 1,290 |
| Average total loans | $314,983,500 | 1,382 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8956% | 4,477 |
| Cost of funding earning assets | 0.5811% | 2,826 |
| Net interest margin | 3.3145% | 4,607 |
| Noninterest income to average assets | 0.7715% | 2,201 |
| Noninterest expense to average assets | 2.5898% | 4,499 |
| Loan and lease loss provision to assets | 0.1080% | 2,994 |
| Net operating income to assets | 1.1973% | 1,576 |
| Return on assets (ROA) | 1.2199% | 1,561 |
| Pretax return on assets | 1.2341% | 2,439 |
| Return on Equity (ROE) | 10.6086% | 1,891 |
| Retained earnings to average equity (ytd only) | 4.7587% | 2,763 |
| Net charge-offs to loans | 0.2153% | 2,738 |
| Credit loss provision to net charge-offs | 77.0925% | 3,113 |
| Earnings coverage of net charge-offs (x) | 9.4170% | 2,507 |
| Efficiency ratio | 64.9668% | 4,741 |
| Assets per employee ($millions) | 3.6982% | 4,482 |
| Cash dividends to net income (ytd only)* | 55.1433% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6552% | 696 |
| Loan loss allowance to noncurrent loans | 309.7309% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.7181% | 4,090 |
| Noncurrent loans to loans | 0.8573% | 3,836 |
| Net loans and leases to total assets | 62.6342% | 3,267 |
| Net loans and leases to deposits | 75.7798% | 2,986 |
| Net loans and leases to core deposits | 76.6647% | 3,537 |
| Total domestic deposits to total assets | 82.6528% | 4,663 |
| Equity capital to assets | 11.3793% | 2,254 |
| Core capital (leverage) ratio | 10.7250% | 2,652 |
| Tier 1 risk-based capital ratio | 17.1719% | 2,533 |
| Total risk-based capital ratio | 18.4409% | 2,504 |
| Memoranda: | ||
| Average total assets | $486,096,800 | 1,365 |
| Average earning assets | $460,164,200 | 1,317 |
| Average equity | $55,897,800 | 1,278 |
| Average total loans | $316,358,200 | 1,339 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9074% | 4,472 |
| Cost of funding earning assets | 0.5981% | 2,826 |
| Net interest margin | 3.3093% | 4,603 |
| Noninterest income to average assets | 0.7557% | 2,339 |
| Noninterest expense to average assets | 2.5362% | 4,595 |
| Loan and lease loss provision to assets | 0.1238% | 2,741 |
| Net operating income to assets | 1.2106% | 1,596 |
| Return on assets (ROA) | 1.2250% | 1,622 |
| Pretax return on assets | 1.2385% | 2,552 |
| Return on Equity (ROE) | 10.6249% | 1,951 |
| Retained earnings to average equity (ytd only) | 3.2999% | 4,328 |
| Net charge-offs to loans | 0.1952% | 2,673 |
| Credit loss provision to net charge-offs | 97.1922% | 2,462 |
| Earnings coverage of net charge-offs (x) | 10.5810% | 2,340 |
| Efficiency ratio | 64.0034% | 4,797 |
| Assets per employee ($millions) | 3.5729% | 4,706 |
| Cash dividends to net income (ytd only)* | 68.9423% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6994% | 745 |
| Loan loss allowance to noncurrent loans | 281.1513% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.8668% | 3,946 |
| Noncurrent loans to loans | 0.9601% | 3,895 |
| Net loans and leases to total assets | 63.4014% | 3,097 |
| Net loans and leases to deposits | 75.8081% | 2,986 |
| Net loans and leases to core deposits | 76.7125% | 3,537 |
| Total domestic deposits to total assets | 83.6340% | 4,332 |
| Equity capital to assets | 11.3077% | 2,464 |
| Core capital (leverage) ratio | 10.5637% | 2,935 |
| Tier 1 risk-based capital ratio | 16.7311% | 2,848 |
| Total risk-based capital ratio | 17.9717% | 2,797 |
| Memoranda: | ||
| Average total assets | $484,657,000 | 1,373 |
| Average earning assets | $458,131,500 | 1,333 |
| Average equity | $55,879,750 | 1,288 |
| Average total loans | $316,329,500 | 1,344 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9194% | 4,407 |
| Cost of funding earning assets | 0.6150% | 2,806 |
| Net interest margin | 3.3043% | 4,564 |
| Noninterest income to average assets | 0.7496% | 2,416 |
| Noninterest expense to average assets | 2.5083% | 4,694 |
| Loan and lease loss provision to assets | 0.1239% | 2,771 |
| Net operating income to assets | 1.2331% | 1,506 |
| Return on assets (ROA) | 1.2535% | 1,544 |
| Pretax return on assets | 1.2647% | 2,424 |
| Return on Equity (ROE) | 10.8024% | 1,883 |
| Retained earnings to average equity (ytd only) | 2.2957% | 4,824 |
| Net charge-offs to loans | 0.2119% | 2,495 |
| Credit loss provision to net charge-offs | 89.5522% | 2,457 |
| Earnings coverage of net charge-offs (x) | 9.8866% | 2,222 |
| Efficiency ratio | 63.4097% | 4,945 |
| Assets per employee ($millions) | 3.5076% | 4,833 |
| Cash dividends to net income (ytd only)* | 78.7479% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7074% | 786 |
| Loan loss allowance to noncurrent loans | 314.1909% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.8728% | 4,058 |
| Noncurrent loans to loans | 0.8617% | 4,201 |
| Net loans and leases to total assets | 63.7437% | 2,958 |
| Net loans and leases to deposits | 76.5587% | 2,792 |
| Net loans and leases to core deposits | 77.4423% | 3,363 |
| Total domestic deposits to total assets | 83.2612% | 4,609 |
| Equity capital to assets | 11.5137% | 2,279 |
| Core capital (leverage) ratio | 10.3898% | 2,998 |
| Tier 1 risk-based capital ratio | 16.5148% | 2,933 |
| Total risk-based capital ratio | 17.7842% | 2,879 |
| Memoranda: | ||
| Average total assets | $484,237,000 | 1,377 |
| Average earning assets | $458,185,000 | 1,326 |
| Average equity | $56,191,000 | 1,284 |
| Average total loans | $316,231,000 | 1,341 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9327% | 4,357 |
| Cost of funding earning assets | 0.6194% | 2,927 |
| Net interest margin | 3.3134% | 4,468 |
| Noninterest income to average assets | 0.6896% | 2,651 |
| Noninterest expense to average assets | 2.4720% | 4,857 |
| Loan and lease loss provision to assets | 0.1234% | 2,686 |
| Net operating income to assets | 1.2253% | 1,450 |
| Return on assets (ROA) | 1.2228% | 1,572 |
| Pretax return on assets | 1.2261% | 2,485 |
| Return on Equity (ROE) | 10.4977% | 1,873 |
| Retained earnings to average equity (ytd only) | 1.8791% | 5,055 |
| Net charge-offs to loans | 0.2284% | 2,074 |
| Credit loss provision to net charge-offs | 82.8729% | 2,124 |
| Earnings coverage of net charge-offs (x) | 9.0773% | 1,886 |
| Efficiency ratio | 63.3312% | 5,111 |
| Assets per employee ($millions) | 3.6059% | 4,771 |
| Cash dividends to net income (ytd only)* | 82.0996% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7381% | 874 |
| Loan loss allowance to noncurrent loans | 247.7200% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.9517% | 4,022 |
| Noncurrent loans to loans | 1.1053% | 3,935 |
| Net loans and leases to total assets | 62.2363% | 3,015 |
| Net loans and leases to deposits | 74.8110% | 2,801 |
| Net loans and leases to core deposits | 75.8553% | 3,343 |
| Total domestic deposits to total assets | 83.1913% | 4,798 |
| Equity capital to assets | 11.5872% | 2,342 |
| Core capital (leverage) ratio | 10.3740% | 2,937 |
| Tier 1 risk-based capital ratio | 16.7238% | 2,896 |
| Total risk-based capital ratio | 17.9649% | 2,869 |
| Memoranda: | ||
| Average total assets | $486,081,500 | 1,381 |
| Average earning assets | $459,835,500 | 1,332 |
| Average equity | $56,622,000 | 1,288 |
| Average total loans | $316,925,000 | 1,339 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2503% | 4,397 |
| Cost of funding earning assets | 0.7481% | 3,100 |
| Net interest margin | 3.5021% | 4,491 |
| Noninterest income to average assets | 0.9273% | 1,779 |
| Noninterest expense to average assets | 2.5767% | 4,835 |
| Loan and lease loss provision to assets | 0.5171% | 1,134 |
| Net operating income to assets | 1.1180% | 1,877 |
| Return on assets (ROA) | 1.2652% | 1,561 |
| Pretax return on assets | 1.2623% | 2,557 |
| Return on Equity (ROE) | 11.1176% | 1,768 |
| Retained earnings to average equity (ytd only) | 4.4593% | 3,097 |
| Net charge-offs to loans | 0.2525% | 3,426 |
| Credit loss provision to net charge-offs | 325.3866% | 750 |
| Earnings coverage of net charge-offs (x) | 10.2706% | 2,153 |
| Efficiency ratio | 60.0331% | 5,534 |
| Assets per employee ($millions) | 3.5953% | 4,796 |
| Cash dividends to net income (ytd only)* | 59.8899% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6551% | 967 |
| Loan loss allowance to noncurrent loans | 237.2886% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 1.0122% | 4,011 |
| Noncurrent loans to loans | 1.1189% | 3,973 |
| Net loans and leases to total assets | 64.6518% | 2,786 |
| Net loans and leases to deposits | 78.7682% | 2,429 |
| Net loans and leases to core deposits | 79.7673% | 3,040 |
| Total domestic deposits to total assets | 82.0785% | 5,068 |
| Equity capital to assets | 11.7103% | 2,262 |
| Core capital (leverage) ratio | 10.2337% | 3,094 |
| Tier 1 risk-based capital ratio | 16.0958% | 3,111 |
| Total risk-based capital ratio | 17.3372% | 3,067 |
| Memoranda: | ||
| Average total assets | $488,298,400 | 1,364 |
| Average earning assets | $457,548,200 | 1,335 |
| Average equity | $55,569,400 | 1,285 |
| Average total loans | $307,296,200 | 1,365 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2979% | 4,461 |
| Cost of funding earning assets | 0.7670% | 3,219 |
| Net interest margin | 3.5309% | 4,524 |
| Noninterest income to average assets | 0.8913% | 1,863 |
| Noninterest expense to average assets | 2.5247% | 5,006 |
| Loan and lease loss provision to assets | 0.5248% | 1,145 |
| Net operating income to assets | 1.1500% | 1,906 |
| Return on assets (ROA) | 1.3444% | 1,484 |
| Pretax return on assets | 1.3357% | 2,474 |
| Return on Equity (ROE) | 11.8991% | 1,665 |
| Retained earnings to average equity (ytd only) | 4.5391% | 3,703 |
| Net charge-offs to loans | 0.1674% | 3,779 |
| Credit loss provision to net charge-offs | 505.2493% | 528 |
| Earnings coverage of net charge-offs (x) | 16.0393% | 1,718 |
| Efficiency ratio | 59.0528% | 5,651 |
| Assets per employee ($millions) | 3.6318% | 4,698 |
| Cash dividends to net income (ytd only)* | 61.8537% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6463% | 1,039 |
| Loan loss allowance to noncurrent loans | 207.6560% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.9701% | 4,344 |
| Noncurrent loans to loans | 1.2744% | 3,917 |
| Net loans and leases to total assets | 63.1513% | 3,181 |
| Net loans and leases to deposits | 77.0119% | 2,813 |
| Net loans and leases to core deposits | 78.0889% | 3,448 |
| Total domestic deposits to total assets | 82.0020% | 5,025 |
| Equity capital to assets | 11.5699% | 2,680 |
| Core capital (leverage) ratio | 10.1000% | 3,409 |
| Tier 1 risk-based capital ratio | 16.0394% | 3,243 |
| Total risk-based capital ratio | 17.3083% | 3,204 |
| Memoranda: | ||
| Average total assets | $489,031,000 | 1,375 |
| Average earning assets | $456,986,250 | 1,354 |
| Average equity | $55,252,250 | 1,297 |
| Average total loans | $303,530,750 | 1,397 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3511% | 4,376 |
| Cost of funding earning assets | 0.7938% | 3,240 |
| Net interest margin | 3.5573% | 4,430 |
| Noninterest income to average assets | 0.8652% | 1,909 |
| Noninterest expense to average assets | 2.5034% | 5,123 |
| Loan and lease loss provision to assets | 0.5818% | 1,038 |
| Net operating income to assets | 1.1200% | 1,979 |
| Return on assets (ROA) | 1.3748% | 1,403 |
| Pretax return on assets | 1.3523% | 2,385 |
| Return on Equity (ROE) | 12.2657% | 1,587 |
| Retained earnings to average equity (ytd only) | 4.4334% | 3,653 |
| Net charge-offs to loans | 0.1736% | 3,560 |
| Credit loss provision to net charge-offs | 548.0769% | 561 |
| Earnings coverage of net charge-offs (x) | 15.8192% | 1,626 |
| Efficiency ratio | 58.6587% | 5,778 |
| Assets per employee ($millions) | 3.7438% | 4,433 |
| Cash dividends to net income (ytd only)* | 63.8551% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6551% | 1,094 |
| Loan loss allowance to noncurrent loans | 215.0175% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.9172% | 4,533 |
| Noncurrent loans to loans | 1.2348% | 4,082 |
| Net loans and leases to total assets | 58.7225% | 4,036 |
| Net loans and leases to deposits | 70.3549% | 3,840 |
| Net loans and leases to core deposits | 71.2980% | 4,382 |
| Total domestic deposits to total assets | 83.4661% | 4,548 |
| Equity capital to assets | 11.1644% | 2,933 |
| Core capital (leverage) ratio | 9.7990% | 3,719 |
| Tier 1 risk-based capital ratio | 15.8677% | 3,225 |
| Total risk-based capital ratio | 17.1350% | 3,191 |
| Memoranda: | ||
| Average total assets | $489,821,330 | 1,374 |
| Average earning assets | $456,808,000 | 1,351 |
| Average equity | $54,901,000 | 1,293 |
| Average total loans | $299,479,000 | 1,420 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4271% | 4,213 |
| Cost of funding earning assets | 0.8123% | 3,371 |
| Net interest margin | 3.6148% | 4,203 |
| Noninterest income to average assets | 0.8193% | 2,069 |
| Noninterest expense to average assets | 2.4851% | 5,195 |
| Loan and lease loss provision to assets | 0.3705% | 1,704 |
| Net operating income to assets | 1.4064% | 1,216 |
| Return on assets (ROA) | 1.4147% | 1,344 |
| Pretax return on assets | 1.3504% | 2,360 |
| Return on Equity (ROE) | 12.5961% | 1,513 |
| Retained earnings to average equity (ytd only) | 7.4638% | 2,196 |
| Net charge-offs to loans | 0.1485% | 3,207 |
| Credit loss provision to net charge-offs | 405.4054% | 774 |
| Earnings coverage of net charge-offs (x) | 18.7387% | 1,252 |
| Efficiency ratio | 58.0031% | 5,917 |
| Assets per employee ($millions) | 3.7225% | 4,601 |
| Cash dividends to net income (ytd only)* | 40.7451% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3766% | 1,548 |
| Loan loss allowance to noncurrent loans | 212.2958% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.8604% | 4,801 |
| Noncurrent loans to loans | 1.1195% | 4,461 |
| Net loans and leases to total assets | 59.7556% | 3,722 |
| Net loans and leases to deposits | 71.6530% | 3,486 |
| Net loans and leases to core deposits | 72.4202% | 4,084 |
| Total domestic deposits to total assets | 83.3958% | 4,762 |
| Equity capital to assets | 11.2334% | 2,689 |
| Core capital (leverage) ratio | 9.9672% | 3,396 |
| Tier 1 risk-based capital ratio | 15.7029% | 3,338 |
| Total risk-based capital ratio | 16.9663% | 3,301 |
| Memoranda: | ||
| Average total assets | $485,770,500 | 1,390 |
| Average earning assets | $454,024,000 | 1,363 |
| Average equity | $54,556,500 | 1,299 |
| Average total loans | $299,034,500 | 1,417 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6642% | 4,400 |
| Cost of funding earning assets | 0.9578% | 3,666 |
| Net interest margin | 3.7064% | 4,268 |
| Noninterest income to average assets | 0.8182% | 1,972 |
| Noninterest expense to average assets | 2.6800% | 4,820 |
| Loan and lease loss provision to assets | 0.4753% | 2,229 |
| Net operating income to assets | 1.1225% | 1,745 |
| Return on assets (ROA) | 1.2552% | 1,463 |
| Pretax return on assets | 1.2711% | 2,232 |
| Return on Equity (ROE) | 11.5890% | 1,532 |
| Retained earnings to average equity (ytd only) | 6.8841% | 1,560 |
| Net charge-offs to loans | 0.2871% | 3,975 |
| Credit loss provision to net charge-offs | 270.1220% | 889 |
| Earnings coverage of net charge-offs (x) | 9.1634% | 2,028 |
| Efficiency ratio | 61.2178% | 5,574 |
| Assets per employee ($millions) | 3.5833% | 4,823 |
| Cash dividends to net income (ytd only)* | 40.5983% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2906% | 1,629 |
| Loan loss allowance to noncurrent loans | 230.9257% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.7262% | 5,188 |
| Noncurrent loans to loans | 0.9919% | 4,722 |
| Net loans and leases to total assets | 60.4972% | 3,892 |
| Net loans and leases to deposits | 73.2659% | 3,622 |
| Net loans and leases to core deposits | 74.0757% | 4,232 |
| Total domestic deposits to total assets | 82.5721% | 4,942 |
| Equity capital to assets | 11.2284% | 2,761 |
| Core capital (leverage) ratio | 9.8382% | 3,533 |
| Tier 1 risk-based capital ratio | 15.3435% | 3,428 |
| Total risk-based capital ratio | 16.6056% | 3,369 |
| Memoranda: | ||
| Average total assets | $466,049,600 | 1,416 |
| Average earning assets | $436,836,400 | 1,391 |
| Average equity | $50,479,000 | 1,352 |
| Average total loans | $285,616,000 | 1,493 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6857% | 4,522 |
| Cost of funding earning assets | 0.9858% | 3,779 |
| Net interest margin | 3.6999% | 4,329 |
| Noninterest income to average assets | 0.7731% | 2,180 |
| Noninterest expense to average assets | 2.6541% | 4,891 |
| Loan and lease loss provision to assets | 0.4223% | 2,358 |
| Net operating income to assets | 1.1514% | 1,807 |
| Return on assets (ROA) | 1.3038% | 1,453 |
| Pretax return on assets | 1.3203% | 2,218 |
| Return on Equity (ROE) | 12.1534% | 1,507 |
| Retained earnings to average equity (ytd only) | 5.7717% | 2,693 |
| Net charge-offs to loans | 0.0707% | 5,252 |
| Credit loss provision to net charge-offs | 976.6667% | 270 |
| Earnings coverage of net charge-offs (x) | 36.7391% | 819 |
| Efficiency ratio | 61.3127% | 5,515 |
| Assets per employee ($millions) | 3.5528% | 4,871 |
| Cash dividends to net income (ytd only)* | 52.5094% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3140% | 1,665 |
| Loan loss allowance to noncurrent loans | 330.2257% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.5503% | 5,732 |
| Noncurrent loans to loans | 0.7007% | 5,481 |
| Net loans and leases to total assets | 59.6766% | 4,195 |
| Net loans and leases to deposits | 71.6697% | 4,031 |
| Net loans and leases to core deposits | 72.4601% | 4,656 |
| Total domestic deposits to total assets | 83.2663% | 4,577 |
| Equity capital to assets | 10.9687% | 3,177 |
| Core capital (leverage) ratio | 9.6955% | 3,855 |
| Tier 1 risk-based capital ratio | 15.0370% | 3,644 |
| Total risk-based capital ratio | 16.2439% | 3,633 |
| Memoranda: | ||
| Average total assets | $462,520,500 | 1,431 |
| Average earning assets | $433,734,250 | 1,408 |
| Average equity | $49,620,000 | 1,377 |
| Average total loans | $282,695,750 | 1,520 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7237% | 4,427 |
| Cost of funding earning assets | 1.0355% | 3,699 |
| Net interest margin | 3.6883% | 4,318 |
| Noninterest income to average assets | 0.7581% | 2,220 |
| Noninterest expense to average assets | 2.6205% | 5,112 |
| Loan and lease loss provision to assets | 0.4323% | 2,265 |
| Net operating income to assets | 1.1478% | 1,727 |
| Return on assets (ROA) | 1.3367% | 1,297 |
| Pretax return on assets | 1.3537% | 1,946 |
| Return on Equity (ROE) | 12.5570% | 1,322 |
| Retained earnings to average equity (ytd only) | 6.3011% | 2,244 |
| Net charge-offs to loans | 0.0321% | 5,396 |
| Credit loss provision to net charge-offs | 2,200.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 81.1778% | 420 |
| Efficiency ratio | 60.8970% | 5,747 |
| Assets per employee ($millions) | 3.4491% | 5,084 |
| Cash dividends to net income (ytd only)* | 49.8203% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2765% | 1,787 |
| Loan loss allowance to noncurrent loans | 306.8017% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.5910% | 5,738 |
| Noncurrent loans to loans | 0.7420% | 5,430 |
| Net loans and leases to total assets | 59.5158% | 4,370 |
| Net loans and leases to deposits | 71.7788% | 4,147 |
| Net loans and leases to core deposits | 72.6136% | 4,744 |
| Total domestic deposits to total assets | 82.9157% | 4,787 |
| Equity capital to assets | 10.9973% | 2,956 |
| Core capital (leverage) ratio | 9.6906% | 3,672 |
| Tier 1 risk-based capital ratio | 15.4090% | 3,288 |
| Total risk-based capital ratio | 16.6503% | 3,239 |
| Memoranda: | ||
| Average total assets | $458,002,670 | 1,452 |
| Average earning assets | $429,363,000 | 1,429 |
| Average equity | $48,753,670 | 1,385 |
| Average total loans | $279,982,670 | 1,548 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7167% | 4,450 |
| Cost of funding earning assets | 1.0646% | 3,751 |
| Net interest margin | 3.6521% | 4,317 |
| Noninterest income to average assets | 0.7438% | 2,292 |
| Noninterest expense to average assets | 2.6187% | 5,159 |
| Loan and lease loss provision to assets | 0.1967% | 3,662 |
| Net operating income to assets | 1.3390% | 1,179 |
| Return on assets (ROA) | 1.3390% | 1,225 |
| Pretax return on assets | 1.3557% | 1,864 |
| Return on Equity (ROE) | 12.7916% | 1,249 |
| Retained earnings to average equity (ytd only) | 12.1654% | 714 |
| Net charge-offs to loans | 0.0014% | 5,101 |
| Credit loss provision to net charge-offs | 22,500.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 1,776.0000% | 5 |
| Efficiency ratio | 61.5046% | 5,759 |
| Assets per employee ($millions) | 3.4498% | 5,122 |
| Cash dividends to net income (ytd only)* | 4.8956% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0243% | 2,344 |
| Loan loss allowance to noncurrent loans | 189.5462% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.6550% | 5,650 |
| Noncurrent loans to loans | 1.0680% | 4,914 |
| Net loans and leases to total assets | 58.1728% | 4,617 |
| Net loans and leases to deposits | 69.2404% | 4,484 |
| Net loans and leases to core deposits | 70.0153% | 5,038 |
| Total domestic deposits to total assets | 84.0157% | 4,482 |
| Equity capital to assets | 10.4544% | 3,234 |
| Core capital (leverage) ratio | 9.6954% | 3,533 |
| Tier 1 risk-based capital ratio | 15.2225% | 3,306 |
| Total risk-based capital ratio | 16.3744% | 3,318 |
| Memoranda: | ||
| Average total assets | $457,639,000 | 1,467 |
| Average earning assets | $429,451,500 | 1,433 |
| Average equity | $47,906,500 | 1,394 |
| Average total loans | $280,285,500 | 1,561 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0110% | 4,504 |
| Cost of funding earning assets | 1.5461% | 2,369 |
| Net interest margin | 3.4650% | 5,381 |
| Noninterest income to average assets | 0.8103% | 2,229 |
| Noninterest expense to average assets | 2.6628% | 5,161 |
| Loan and lease loss provision to assets | 0.2412% | 4,871 |
| Net operating income to assets | 1.1137% | 1,661 |
| Return on assets (ROA) | 1.1306% | 1,687 |
| Pretax return on assets | 1.1473% | 2,408 |
| Return on Equity (ROE) | 11.0338% | 1,576 |
| Retained earnings to average equity (ytd only) | 7.2674% | 1,219 |
| Net charge-offs to loans | 0.1832% | 5,208 |
| Credit loss provision to net charge-offs | 217.8218% | 1,386 |
| Earnings coverage of net charge-offs (x) | 12.3842% | 1,510 |
| Efficiency ratio | 64.6790% | 5,227 |
| Assets per employee ($millions) | 3.3542% | 5,291 |
| Cash dividends to net income (ytd only)* | 34.1350% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9202% | 2,505 |
| Loan loss allowance to noncurrent loans | 216.9471% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.6458% | 5,708 |
| Noncurrent loans to loans | 0.8851% | 5,292 |
| Net loans and leases to total assets | 62.0002% | 4,285 |
| Net loans and leases to deposits | 74.2341% | 4,155 |
| Net loans and leases to core deposits | 75.1107% | 4,838 |
| Total domestic deposits to total assets | 83.5198% | 4,595 |
| Equity capital to assets | 10.4827% | 3,173 |
| Core capital (leverage) ratio | 9.5434% | 3,658 |
| Tier 1 risk-based capital ratio | 14.7304% | 3,409 |
| Total risk-based capital ratio | 15.9673% | 3,377 |
| Memoranda: | ||
| Average total assets | $456,029,800 | 1,456 |
| Average earning assets | $424,303,400 | 1,427 |
| Average equity | $46,729,000 | 1,433 |
| Average total loans | $275,651,000 | 1,622 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0009% | 4,811 |
| Cost of funding earning assets | 1.6060% | 2,356 |
| Net interest margin | 3.3948% | 5,698 |
| Noninterest income to average assets | 0.8003% | 2,235 |
| Noninterest expense to average assets | 2.5534% | 5,498 |
| Loan and lease loss provision to assets | 0.2181% | 4,889 |
| Net operating income to assets | 1.1680% | 1,683 |
| Return on assets (ROA) | 1.1905% | 1,706 |
| Pretax return on assets | 1.2059% | 2,464 |
| Return on Equity (ROE) | 11.6834% | 1,594 |
| Retained earnings to average equity (ytd only) | 7.3029% | 1,699 |
| Net charge-offs to loans | 0.1231% | 5,316 |
| Credit loss provision to net charge-offs | 296.4427% | 1,080 |
| Earnings coverage of net charge-offs (x) | 19.0477% | 1,223 |
| Efficiency ratio | 63.2206% | 5,401 |
| Assets per employee ($millions) | 3.4629% | 5,072 |
| Cash dividends to net income (ytd only)* | 37.4940% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9012% | 2,480 |
| Loan loss allowance to noncurrent loans | 185.5548% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.7415% | 5,620 |
| Noncurrent loans to loans | 1.0246% | 5,189 |
| Net loans and leases to total assets | 60.9542% | 4,726 |
| Net loans and leases to deposits | 73.8296% | 4,547 |
| Net loans and leases to core deposits | 74.7868% | 5,193 |
| Total domestic deposits to total assets | 82.5606% | 4,766 |
| Equity capital to assets | 10.9484% | 3,008 |
| Core capital (leverage) ratio | 9.3517% | 4,132 |
| Tier 1 risk-based capital ratio | 14.4293% | 3,549 |
| Total risk-based capital ratio | 15.6862% | 3,523 |
| Memoranda: | ||
| Average total assets | $458,511,000 | 1,470 |
| Average earning assets | $426,050,000 | 1,443 |
| Average equity | $46,720,250 | 1,448 |
| Average total loans | $274,063,500 | 1,652 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9759% | 5,051 |
| Cost of funding earning assets | 1.6236% | 2,522 |
| Net interest margin | 3.3523% | 5,826 |
| Noninterest income to average assets | 0.7735% | 2,265 |
| Noninterest expense to average assets | 2.5065% | 5,698 |
| Loan and lease loss provision to assets | 0.1734% | 5,132 |
| Net operating income to assets | 1.1874% | 1,590 |
| Return on assets (ROA) | 1.2114% | 1,595 |
| Pretax return on assets | 1.2270% | 2,328 |
| Return on Equity (ROE) | 12.1837% | 1,408 |
| Retained earnings to average equity (ytd only) | 8.6515% | 1,215 |
| Net charge-offs to loans | 0.0588% | 5,568 |
| Credit loss provision to net charge-offs | 500.0000% | 733 |
| Earnings coverage of net charge-offs (x) | 39.6750% | 733 |
| Efficiency ratio | 63.1937% | 5,487 |
| Assets per employee ($millions) | 3.4210% | 5,119 |
| Cash dividends to net income (ytd only)* | 28.9907% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8824% | 2,463 |
| Loan loss allowance to noncurrent loans | 221.3609% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.6047% | 5,979 |
| Noncurrent loans to loans | 0.8504% | 5,565 |
| Net loans and leases to total assets | 58.4430% | 5,345 |
| Net loans and leases to deposits | 71.7958% | 5,027 |
| Net loans and leases to core deposits | 72.6692% | 5,603 |
| Total domestic deposits to total assets | 81.4017% | 5,244 |
| Equity capital to assets | 10.2643% | 3,688 |
| Core capital (leverage) ratio | 8.9928% | 4,614 |
| Tier 1 risk-based capital ratio | 14.2107% | 3,598 |
| Total risk-based capital ratio | 15.4671% | 3,560 |
| Memoranda: | ||
| Average total assets | $461,289,330 | 1,482 |
| Average earning assets | $427,822,000 | 1,453 |
| Average equity | $45,864,670 | 1,466 |
| Average total loans | $272,178,330 | 1,682 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9491% | 5,238 |
| Cost of funding earning assets | 1.6344% | 2,746 |
| Net interest margin | 3.3147% | 5,913 |
| Noninterest income to average assets | 0.7910% | 2,069 |
| Noninterest expense to average assets | 2.4896% | 5,763 |
| Loan and lease loss provision to assets | 0.1297% | 5,274 |
| Net operating income to assets | 1.2139% | 1,502 |
| Return on assets (ROA) | 1.2387% | 1,506 |
| Pretax return on assets | 1.2560% | 2,188 |
| Return on Equity (ROE) | 12.6617% | 1,336 |
| Retained earnings to average equity (ytd only) | 11.3363% | 857 |
| Net charge-offs to loans | -0.0353% | 7,244 |
| Credit loss provision to net charge-offs | -625.0000% | 6,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2914% | 5,613 |
| Assets per employee ($millions) | 3.5013% | 5,022 |
| Cash dividends to net income (ytd only)* | 10.4676% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8190% | 2,670 |
| Loan loss allowance to noncurrent loans | 179.9640% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.7087% | 5,749 |
| Noncurrent loans to loans | 1.0107% | 5,304 |
| Net loans and leases to total assets | 57.8858% | 5,457 |
| Net loans and leases to deposits | 71.1155% | 5,180 |
| Net loans and leases to core deposits | 71.8192% | 5,736 |
| Total domestic deposits to total assets | 81.3969% | 5,315 |
| Equity capital to assets | 9.8760% | 4,025 |
| Core capital (leverage) ratio | 8.9219% | 4,695 |
| Tier 1 risk-based capital ratio | 13.3961% | 4,046 |
| Total risk-based capital ratio | 14.6510% | 4,007 |
| Memoranda: | ||
| Average total assets | $462,727,000 | 1,514 |
| Average earning assets | $427,068,500 | 1,497 |
| Average equity | $45,270,500 | 1,487 |
| Average total loans | $271,742,000 | 1,728 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3694% | 4,838 |
| Cost of funding earning assets | 1.9960% | 2,979 |
| Net interest margin | 3.3734% | 5,478 |
| Noninterest income to average assets | 0.8739% | 2,058 |
| Noninterest expense to average assets | 2.6310% | 5,666 |
| Loan and lease loss provision to assets | 0.2388% | 5,465 |
| Net operating income to assets | 1.1310% | 1,436 |
| Return on assets (ROA) | 1.2624% | 1,165 |
| Pretax return on assets | 1.2668% | 1,790 |
| Return on Equity (ROE) | 14.1103% | 763 |
| Retained earnings to average equity (ytd only) | 13.0031% | 153 |
| Net charge-offs to loans | 0.2577% | 5,010 |
| Credit loss provision to net charge-offs | 154.1193% | 2,965 |
| Earnings coverage of net charge-offs (x) | 8.8679% | 1,876 |
| Efficiency ratio | 64.3473% | 5,707 |
| Assets per employee ($millions) | 3.4832% | 5,045 |
| Cash dividends to net income (ytd only)* | 7.8466% | 3,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7923% | 2,569 |
| Loan loss allowance to noncurrent loans | 219.9909% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.5744% | 6,029 |
| Noncurrent loans to loans | 0.8147% | 5,658 |
| Net loans and leases to total assets | 57.4429% | 5,749 |
| Net loans and leases to deposits | 71.3605% | 5,422 |
| Net loans and leases to core deposits | 78.5458% | 6,217 |
| Total domestic deposits to total assets | 80.4968% | 5,517 |
| Equity capital to assets | 9.6896% | 4,153 |
| Core capital (leverage) ratio | 8.5379% | 5,221 |
| Tier 1 risk-based capital ratio | 13.2480% | 3,986 |
| Total risk-based capital ratio | 14.4723% | 3,944 |
| Memoranda: | ||
| Average total assets | $454,283,400 | 1,524 |
| Average earning assets | $421,683,800 | 1,496 |
| Average equity | $40,644,000 | 1,648 |
| Average total loans | $273,178,400 | 1,764 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4207% | 4,845 |
| Cost of funding earning assets | 2.0387% | 3,168 |
| Net interest margin | 3.3820% | 5,341 |
| Noninterest income to average assets | 0.8767% | 2,075 |
| Noninterest expense to average assets | 2.5935% | 5,732 |
| Loan and lease loss provision to assets | 0.1575% | 5,778 |
| Net operating income to assets | 1.2765% | 1,274 |
| Return on assets (ROA) | 1.4395% | 1,004 |
| Pretax return on assets | 1.4454% | 1,580 |
| Return on Equity (ROE) | 16.4363% | 603 |
| Retained earnings to average equity (ytd only) | 15.0918% | 161 |
| Net charge-offs to loans | 0.1634% | 5,083 |
| Credit loss provision to net charge-offs | 159.2262% | 2,980 |
| Earnings coverage of net charge-offs (x) | 14.5565% | 1,592 |
| Efficiency ratio | 62.9662% | 5,931 |
| Assets per employee ($millions) | 3.5382% | 4,839 |
| Cash dividends to net income (ytd only)* | 8.1800% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7002% | 2,635 |
| Loan loss allowance to noncurrent loans | 235.3628% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.5355% | 6,120 |
| Noncurrent loans to loans | 0.7224% | 5,863 |
| Net loans and leases to total assets | 57.4288% | 5,974 |
| Net loans and leases to deposits | 72.2354% | 5,609 |
| Net loans and leases to core deposits | 79.4796% | 6,392 |
| Total domestic deposits to total assets | 79.5024% | 5,625 |
| Equity capital to assets | 9.5183% | 4,722 |
| Core capital (leverage) ratio | 8.2070% | 5,998 |
| Tier 1 risk-based capital ratio | 12.8588% | 4,287 |
| Total risk-based capital ratio | 14.0812% | 4,243 |
| Memoranda: | ||
| Average total assets | $452,909,250 | 1,547 |
| Average earning assets | $422,742,750 | 1,508 |
| Average equity | $39,667,250 | 1,716 |
| Average total loans | $274,240,250 | 1,773 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4663% | 4,806 |
| Cost of funding earning assets | 2.0676% | 3,436 |
| Net interest margin | 3.3987% | 5,179 |
| Noninterest income to average assets | 0.8822% | 2,056 |
| Noninterest expense to average assets | 2.4739% | 6,207 |
| Loan and lease loss provision to assets | 0.1383% | 5,690 |
| Net operating income to assets | 1.4501% | 932 |
| Return on assets (ROA) | 1.5649% | 791 |
| Pretax return on assets | 1.5739% | 1,270 |
| Return on Equity (ROE) | 18.4231% | 458 |
| Retained earnings to average equity (ytd only) | 18.4231% | 100 |
| Net charge-offs to loans | 0.2017% | 4,274 |
| Credit loss provision to net charge-offs | 111.9134% | 4,138 |
| Earnings coverage of net charge-offs (x) | 12.9134% | 1,774 |
| Efficiency ratio | 59.4452% | 6,627 |
| Assets per employee ($millions) | 3.4940% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6124% | 2,683 |
| Loan loss allowance to noncurrent loans | 254.3800% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.7789% | 5,447 |
| Noncurrent loans to loans | 0.6339% | 5,977 |
| Net loans and leases to total assets | 59.6155% | 5,745 |
| Net loans and leases to deposits | 77.1854% | 5,001 |
| Net loans and leases to core deposits | 84.6829% | 6,032 |
| Total domestic deposits to total assets | 77.2367% | 6,271 |
| Equity capital to assets | 8.8731% | 5,488 |
| Core capital (leverage) ratio | 8.2413% | 5,902 |
| Tier 1 risk-based capital ratio | 12.3430% | 4,646 |
| Total risk-based capital ratio | 13.5959% | 4,565 |
| Memoranda: | ||
| Average total assets | $448,199,330 | 1,578 |
| Average earning assets | $420,395,670 | 1,541 |
| Average equity | $38,071,670 | 1,799 |
| Average total loans | $274,702,330 | 1,796 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5815% | 4,462 |
| Cost of funding earning assets | 2.0980% | 3,661 |
| Net interest margin | 3.4835% | 4,794 |
| Noninterest income to average assets | 0.7983% | 2,335 |
| Noninterest expense to average assets | 2.4617% | 5,987 |
| Loan and lease loss provision to assets | 0.1082% | 5,586 |
| Net operating income to assets | 1.4855% | 966 |
| Return on assets (ROA) | 1.7382% | 652 |
| Pretax return on assets | 1.7563% | 1,063 |
| Return on Equity (ROE) | 20.9454% | 366 |
| Retained earnings to average equity (ytd only) | 20.9454% | 145 |
| Net charge-offs to loans | 0.1990% | 3,443 |
| Credit loss provision to net charge-offs | 88.2353% | 4,040 |
| Earnings coverage of net charge-offs (x) | 13.1176% | 1,754 |
| Efficiency ratio | 59.1181% | 6,537 |
| Assets per employee ($millions) | 3.5546% | 4,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5890% | 2,562 |
| Loan loss allowance to noncurrent loans | 100.5913% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 1.1333% | 4,409 |
| Noncurrent loans to loans | 1.5796% | 3,910 |
| Net loans and leases to total assets | 61.1619% | 5,474 |
| Net loans and leases to deposits | 78.0185% | 4,919 |
| Net loans and leases to core deposits | 85.9586% | 5,904 |
| Total domestic deposits to total assets | 78.3941% | 5,890 |
| Equity capital to assets | 8.4268% | 6,188 |
| Core capital (leverage) ratio | 7.9823% | 6,482 |
| Tier 1 risk-based capital ratio | 11.8129% | 5,112 |
| Total risk-based capital ratio | 13.0660% | 5,022 |
| Memoranda: | ||
| Average total assets | $443,439,000 | 1,604 |
| Average earning assets | $416,592,500 | 1,561 |
| Average equity | $36,800,500 | 1,860 |
| Average total loans | $273,381,500 | 1,809 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0054% | 5,523 |
| Cost of funding earning assets | 2.4636% | 4,405 |
| Net interest margin | 3.5417% | 5,138 |
| Noninterest income to average assets | 0.7795% | 2,622 |
| Noninterest expense to average assets | 2.4763% | 6,100 |
| Loan and lease loss provision to assets | 0.2737% | 4,208 |
| Net operating income to assets | 1.3189% | 1,430 |
| Return on assets (ROA) | -0.4658% | 6,775 |
| Pretax return on assets | -0.4658% | 6,627 |
| Return on Equity (ROE) | -5.0743% | 6,875 |
| Retained earnings to average equity (ytd only) | -11.5687% | 7,212 |
| Net charge-offs to loans | 0.2625% | 3,661 |
| Credit loss provision to net charge-offs | 168.5714% | 3,050 |
| Earnings coverage of net charge-offs (x) | 9.8071% | 2,633 |
| Efficiency ratio | 58.9030% | 6,544 |
| Assets per employee ($millions) | 3.4567% | 4,782 |
| Cash dividends to net income (ytd only)* | -127.9880% | 8,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 2,047 |
| Loan loss allowance to noncurrent loans | 133.8257% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.8989% | 4,597 |
| Noncurrent loans to loans | 1.2358% | 4,044 |
| Net loans and leases to total assets | 60.1299% | 5,891 |
| Net loans and leases to deposits | 78.0927% | 5,323 |
| Net loans and leases to core deposits | 86.1368% | 6,123 |
| Total domestic deposits to total assets | 76.9982% | 5,993 |
| Equity capital to assets | 8.1684% | 6,602 |
| Core capital (leverage) ratio | 7.5812% | 7,099 |
| Tier 1 risk-based capital ratio | 11.4445% | 5,293 |
| Total risk-based capital ratio | 12.6981% | 5,191 |
| Memoranda: | ||
| Average total assets | $431,053,400 | 1,586 |
| Average earning assets | $400,342,200 | 1,561 |
| Average equity | $39,572,200 | 1,706 |
| Average total loans | $266,716,600 | 1,789 |