Home > The First National Bank of Durango > Performance and Condition Ratios
The First National Bank of Durango, Performance and Condition Ratios
| 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 | 3.4625% | 4,965 |
| Cost of funding earning assets | 0.2643% | 4,669 |
| Net interest margin | 3.1983% | 4,508 |
| Noninterest income to average assets | 0.4212% | 3,344 |
| Noninterest expense to average assets | 2.8905% | 2,381 |
| Loan and lease loss provision to assets | -0.0847% | 5,410 |
| Net operating income to assets | 0.6378% | 4,387 |
| Return on assets (ROA) | 0.6378% | 4,393 |
| Pretax return on assets | 0.6378% | 4,667 |
| Return on Equity (ROE) | 7.5892% | 3,686 |
| Retained earnings to average equity (ytd only) | -0.3696% | 5,008 |
| Net charge-offs to loans | 0.0172% | 2,570 |
| Credit loss provision to net charge-offs | -1,170.5882% | 4,540 |
| Earnings coverage of net charge-offs (x) | 76.4706% | 844 |
| Efficiency ratio | 83.7163% | 704 |
| Assets per employee ($millions) | 4.5218% | 3,098 |
| Cash dividends to net income (ytd only)* | 104.8699% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 1,986 |
| Loan loss allowance to noncurrent loans | 249.0672% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.2324% | 3,842 |
| Noncurrent loans to loans | 0.5386% | 2,801 |
| Net loans and leases to total assets | 42.5767% | 4,964 |
| Net loans and leases to deposits | 46.7596% | 5,069 |
| Net loans and leases to core deposits | 48.0358% | 5,095 |
| Total domestic deposits to total assets | 91.0545% | 236 |
| Equity capital to assets | 8.4768% | 4,961 |
| Core capital (leverage) ratio | 8.7433% | 4,933 |
| Tier 1 risk-based capital ratio | 13.0484% | 3,867 |
| Total risk-based capital ratio | 13.9531% | 3,967 |
| Memoranda: | ||
| Average total assets | $470,084,330 | 1,502 |
| Average earning assets | $444,240,670 | 1,472 |
| Average equity | $39,503,670 | 1,885 |
| Average total loans | $197,375,330 | 2,209 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4415% | 4,964 |
| Cost of funding earning assets | 0.2622% | 4,635 |
| Net interest margin | 3.1793% | 4,531 |
| Noninterest income to average assets | 0.7216% | 1,737 |
| Noninterest expense to average assets | 2.8804% | 2,446 |
| Loan and lease loss provision to assets | 0.0843% | 2,119 |
| Net operating income to assets | 0.7519% | 3,905 |
| Return on assets (ROA) | 0.7519% | 3,904 |
| Pretax return on assets | 0.7519% | 4,287 |
| Return on Equity (ROE) | 8.9858% | 2,913 |
| Retained earnings to average equity (ytd only) | -6.8502% | 5,280 |
| Net charge-offs to loans | 0.2422% | 632 |
| Credit loss provision to net charge-offs | 84.0336% | 1,705 |
| Earnings coverage of net charge-offs (x) | 8.3361% | 2,039 |
| Efficiency ratio | 77.2511% | 1,428 |
| Assets per employee ($millions) | 4.3783% | 3,356 |
| Cash dividends to net income (ytd only)* | 176.2332% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4873% | 1,503 |
| Loan loss allowance to noncurrent loans | 254.6181% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.6901% | 2,257 |
| Noncurrent loans to loans | 0.5841% | 2,788 |
| Net loans and leases to total assets | 40.5344% | 5,046 |
| Net loans and leases to deposits | 44.4225% | 5,143 |
| Net loans and leases to core deposits | 45.6162% | 5,176 |
| Total domestic deposits to total assets | 91.2473% | 241 |
| Equity capital to assets | 8.2656% | 5,126 |
| Core capital (leverage) ratio | 8.4118% | 5,194 |
| Tier 1 risk-based capital ratio | 12.2859% | 4,390 |
| Total risk-based capital ratio | 13.2120% | 4,466 |
| Memoranda: | ||
| Average total assets | $474,513,500 | 1,493 |
| Average earning assets | $447,013,500 | 1,470 |
| Average equity | $39,707,000 | 1,880 |
| Average total loans | $196,540,500 | 2,224 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1497% | 5,240 |
| Cost of funding earning assets | 0.1474% | 5,274 |
| Net interest margin | 3.0024% | 4,878 |
| Noninterest income to average assets | 0.7125% | 1,908 |
| Noninterest expense to average assets | 2.7433% | 2,984 |
| Loan and lease loss provision to assets | -0.0763% | 5,445 |
| Net operating income to assets | 0.8841% | 2,796 |
| Return on assets (ROA) | 0.9437% | 2,507 |
| Pretax return on assets | 0.9437% | 3,763 |
| Return on Equity (ROE) | 11.2111% | 1,404 |
| Retained earnings to average equity (ytd only) | 3.5760% | 3,130 |
| Net charge-offs to loans | 0.0233% | 3,340 |
| Credit loss provision to net charge-offs | -892.8571% | 5,049 |
| Earnings coverage of net charge-offs (x) | 94.5714% | 671 |
| Efficiency ratio | 76.9416% | 1,493 |
| Assets per employee ($millions) | 4.4496% | 3,271 |
| Cash dividends to net income (ytd only)* | 68.1034% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4407% | 1,613 |
| Loan loss allowance to noncurrent loans | 206.8817% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.6819% | 2,272 |
| Noncurrent loans to loans | 0.6964% | 2,466 |
| Net loans and leases to total assets | 41.0850% | 5,096 |
| Net loans and leases to deposits | 45.1752% | 5,210 |
| Net loans and leases to core deposits | 46.3702% | 5,229 |
| Total domestic deposits to total assets | 90.9458% | 250 |
| Equity capital to assets | 8.4677% | 5,147 |
| Core capital (leverage) ratio | 8.3931% | 5,225 |
| Tier 1 risk-based capital ratio | 12.0274% | 4,508 |
| Total risk-based capital ratio | 12.9245% | 4,626 |
| Memoranda: | ||
| Average total assets | $491,676,600 | 1,424 |
| Average earning assets | $464,868,600 | 1,398 |
| Average equity | $41,387,600 | 1,800 |
| Average total loans | $180,138,600 | 2,328 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0746% | 5,359 |
| Cost of funding earning assets | 0.1368% | 5,384 |
| Net interest margin | 2.9377% | 5,040 |
| Noninterest income to average assets | 0.6849% | 2,063 |
| Noninterest expense to average assets | 2.6992% | 3,065 |
| Loan and lease loss provision to assets | -0.1011% | 5,585 |
| Net operating income to assets | 0.8658% | 3,197 |
| Return on assets (ROA) | 0.9492% | 2,850 |
| Pretax return on assets | 0.9492% | 3,875 |
| Return on Equity (ROE) | 11.2922% | 1,573 |
| Retained earnings to average equity (ytd only) | 5.0687% | 2,843 |
| Net charge-offs to loans | 0.0145% | 3,231 |
| Credit loss provision to net charge-offs | -1,973.6842% | 5,062 |
| Earnings coverage of net charge-offs (x) | 149.2791% | 538 |
| Efficiency ratio | 77.6117% | 1,381 |
| Assets per employee ($millions) | 4.4935% | 3,157 |
| Cash dividends to net income (ytd only)* | 55.1135% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5658% | 1,318 |
| Loan loss allowance to noncurrent loans | 668.7356% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.4774% | 3,137 |
| Noncurrent loans to loans | 0.2341% | 4,125 |
| Net loans and leases to total assets | 37.6840% | 5,279 |
| Net loans and leases to deposits | 41.7670% | 5,371 |
| Net loans and leases to core deposits | 42.7232% | 5,400 |
| Total domestic deposits to total assets | 90.2245% | 403 |
| Equity capital to assets | 8.7831% | 5,096 |
| Core capital (leverage) ratio | 8.2300% | 5,407 |
| Tier 1 risk-based capital ratio | 12.2802% | 4,448 |
| Total risk-based capital ratio | 13.2011% | 4,537 |
| Memoranda: | ||
| Average total assets | $494,457,500 | 1,427 |
| Average earning assets | $467,740,250 | 1,400 |
| Average equity | $41,561,500 | 1,812 |
| Average total loans | $175,093,000 | 2,388 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9920% | 5,448 |
| Cost of funding earning assets | 0.1223% | 5,493 |
| Net interest margin | 2.8697% | 5,139 |
| Noninterest income to average assets | 0.6384% | 2,265 |
| Noninterest expense to average assets | 2.6198% | 3,371 |
| Loan and lease loss provision to assets | -0.1508% | 5,686 |
| Net operating income to assets | 0.8860% | 2,984 |
| Return on assets (ROA) | 0.8860% | 3,044 |
| Pretax return on assets | 0.8860% | 3,973 |
| Return on Equity (ROE) | 10.6971% | 1,757 |
| Retained earnings to average equity (ytd only) | 7.4453% | 1,376 |
| Net charge-offs to loans | 0.0187% | 2,873 |
| Credit loss provision to net charge-offs | -2,343.7500% | 4,972 |
| Earnings coverage of net charge-offs (x) | 114.3125% | 598 |
| Efficiency ratio | 77.7618% | 1,497 |
| Assets per employee ($millions) | 4.4639% | 3,171 |
| Cash dividends to net income (ytd only)* | 30.3993% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6855% | 1,089 |
| Loan loss allowance to noncurrent loans | 1,967.5676% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.4704% | 3,220 |
| Noncurrent loans to loans | 0.0857% | 4,788 |
| Net loans and leases to total assets | 34.5921% | 5,427 |
| Net loans and leases to deposits | 38.3407% | 5,495 |
| Net loans and leases to core deposits | 39.2152% | 5,521 |
| Total domestic deposits to total assets | 90.2227% | 460 |
| Equity capital to assets | 8.6837% | 5,159 |
| Core capital (leverage) ratio | 8.2398% | 5,403 |
| Tier 1 risk-based capital ratio | 12.6419% | 4,218 |
| Total risk-based capital ratio | 13.5966% | 4,277 |
| Memoranda: | ||
| Average total assets | $497,512,330 | 1,420 |
| Average earning assets | $470,987,330 | 1,399 |
| Average equity | $41,207,330 | 1,824 |
| Average total loans | $171,528,330 | 2,426 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8923% | 5,548 |
| Cost of funding earning assets | 0.1238% | 5,534 |
| Net interest margin | 2.7685% | 5,304 |
| Noninterest income to average assets | 0.6183% | 2,333 |
| Noninterest expense to average assets | 2.5729% | 3,582 |
| Loan and lease loss provision to assets | -0.2995% | 5,818 |
| Net operating income to assets | 0.9713% | 2,429 |
| Return on assets (ROA) | 0.9713% | 2,480 |
| Pretax return on assets | 0.9713% | 3,489 |
| Return on Equity (ROE) | 12.0124% | 1,234 |
| Retained earnings to average equity (ytd only) | 7.7646% | 1,550 |
| Net charge-offs to loans | 0.0304% | 2,155 |
| Credit loss provision to net charge-offs | -2,884.6154% | 4,635 |
| Earnings coverage of net charge-offs (x) | 64.6923% | 763 |
| Efficiency ratio | 78.9759% | 1,489 |
| Assets per employee ($millions) | 4.6183% | 2,980 |
| Cash dividends to net income (ytd only)* | 35.3618% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7039% | 1,133 |
| Loan loss allowance to noncurrent loans | 1,479.6954% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.4130% | 3,530 |
| Noncurrent loans to loans | 0.1151% | 4,733 |
| Net loans and leases to total assets | 33.4062% | 5,487 |
| Net loans and leases to deposits | 36.8533% | 5,553 |
| Net loans and leases to core deposits | 37.6431% | 5,585 |
| Total domestic deposits to total assets | 90.6466% | 411 |
| Equity capital to assets | 8.1379% | 5,452 |
| Core capital (leverage) ratio | 8.0450% | 5,545 |
| Tier 1 risk-based capital ratio | 12.6413% | 4,296 |
| Total risk-based capital ratio | 13.6139% | 4,377 |
| Memoranda: | ||
| Average total assets | $500,755,500 | 1,421 |
| Average earning assets | $475,057,000 | 1,392 |
| Average equity | $40,491,500 | 1,850 |
| Average total loans | $170,908,500 | 2,452 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9596% | 5,531 |
| Cost of funding earning assets | 0.1238% | 5,593 |
| Net interest margin | 2.8358% | 5,231 |
| Noninterest income to average assets | 0.6255% | 2,525 |
| Noninterest expense to average assets | 2.6419% | 3,553 |
| Loan and lease loss provision to assets | -0.1216% | 5,712 |
| Net operating income to assets | 0.7846% | 3,380 |
| Return on assets (ROA) | 0.7702% | 3,550 |
| Pretax return on assets | 0.7702% | 4,269 |
| Return on Equity (ROE) | 8.9132% | 2,464 |
| Retained earnings to average equity (ytd only) | 0.2216% | 5,231 |
| Net charge-offs to loans | -0.3581% | 5,806 |
| Credit loss provision to net charge-offs | 104.7101% | 2,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5709% | 1,473 |
| Assets per employee ($millions) | 4.8834% | 2,522 |
| Cash dividends to net income (ytd only)* | 97.5143% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9346% | 752 |
| Loan loss allowance to noncurrent loans | 16,515.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.4840% | 3,326 |
| Noncurrent loans to loans | 0.0117% | 5,240 |
| Net loans and leases to total assets | 33.6134% | 5,555 |
| Net loans and leases to deposits | 37.0733% | 5,621 |
| Net loans and leases to core deposits | 37.8629% | 5,640 |
| Total domestic deposits to total assets | 90.6673% | 397 |
| Equity capital to assets | 8.0338% | 5,550 |
| Core capital (leverage) ratio | 8.0721% | 5,580 |
| Tier 1 risk-based capital ratio | 12.8143% | 4,195 |
| Total risk-based capital ratio | 13.9475% | 4,158 |
| Memoranda: | ||
| Average total assets | $475,301,800 | 1,442 |
| Average earning assets | $449,073,600 | 1,419 |
| Average equity | $41,073,800 | 1,803 |
| Average total loans | $154,144,200 | 2,590 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9443% | 5,613 |
| Cost of funding earning assets | 0.1248% | 5,652 |
| Net interest margin | 2.8195% | 5,323 |
| Noninterest income to average assets | 0.5236% | 3,089 |
| Noninterest expense to average assets | 2.7435% | 3,196 |
| Loan and lease loss provision to assets | -0.1641% | 5,849 |
| Net operating income to assets | 0.6059% | 4,269 |
| Return on assets (ROA) | 0.5866% | 4,458 |
| Pretax return on assets | 0.5866% | 4,909 |
| Return on Equity (ROE) | 6.6636% | 3,746 |
| Retained earnings to average equity (ytd only) | -2.2062% | 5,604 |
| Net charge-offs to loans | -0.0916% | 5,543 |
| Credit loss provision to net charge-offs | 561.1650% | 644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7385% | 843 |
| Assets per employee ($millions) | 4.5228% | 3,049 |
| Cash dividends to net income (ytd only)* | 133.1075% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7806% | 1,045 |
| Loan loss allowance to noncurrent loans | 17,837.5000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.4822% | 3,508 |
| Noncurrent loans to loans | 0.0100% | 5,366 |
| Net loans and leases to total assets | 33.4699% | 5,640 |
| Net loans and leases to deposits | 37.2563% | 5,694 |
| Net loans and leases to core deposits | 38.1041% | 5,721 |
| Total domestic deposits to total assets | 89.8370% | 542 |
| Equity capital to assets | 8.8445% | 5,292 |
| Core capital (leverage) ratio | 8.1624% | 5,599 |
| Tier 1 risk-based capital ratio | 12.9203% | 4,213 |
| Total risk-based capital ratio | 13.9488% | 4,252 |
| Memoranda: | ||
| Average total assets | $469,599,500 | 1,456 |
| Average earning assets | $443,336,000 | 1,442 |
| Average equity | $41,338,000 | 1,803 |
| Average total loans | $149,996,500 | 2,645 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9556% | 5,682 |
| Cost of funding earning assets | 0.1232% | 5,739 |
| Net interest margin | 2.8324% | 5,377 |
| Noninterest income to average assets | 0.4329% | 3,647 |
| Noninterest expense to average assets | 2.7886% | 3,062 |
| Loan and lease loss provision to assets | -0.2463% | 5,955 |
| Net operating income to assets | 0.5655% | 4,418 |
| Return on assets (ROA) | 0.5365% | 4,647 |
| Pretax return on assets | 0.5365% | 5,056 |
| Return on Equity (ROE) | 6.1042% | 4,000 |
| Retained earnings to average equity (ytd only) | -4.6109% | 5,735 |
| Net charge-offs to loans | -0.1528% | 5,746 |
| Credit loss provision to net charge-offs | 516.0714% | 636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3048% | 635 |
| Assets per employee ($millions) | 4.4326% | 3,156 |
| Cash dividends to net income (ytd only)* | 175.5361% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9470% | 823 |
| Loan loss allowance to noncurrent loans | 1,555.9783% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 3,465 |
| Noncurrent loans to loans | 0.1251% | 4,938 |
| Net loans and leases to total assets | 30.9793% | 5,763 |
| Net loans and leases to deposits | 34.4309% | 5,813 |
| Net loans and leases to core deposits | 35.0825% | 5,829 |
| Total domestic deposits to total assets | 89.9753% | 498 |
| Equity capital to assets | 8.8780% | 5,330 |
| Core capital (leverage) ratio | 8.1077% | 5,662 |
| Tier 1 risk-based capital ratio | 13.2398% | 4,050 |
| Total risk-based capital ratio | 14.3011% | 4,091 |
| Memoranda: | ||
| Average total assets | $469,342,000 | 1,464 |
| Average earning assets | $443,232,330 | 1,445 |
| Average equity | $41,250,000 | 1,801 |
| Average total loans | $146,566,330 | 2,695 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9164% | 5,766 |
| Cost of funding earning assets | 0.1248% | 5,787 |
| Net interest margin | 2.7916% | 5,477 |
| Noninterest income to average assets | 0.5882% | 2,604 |
| Noninterest expense to average assets | 2.7736% | 3,173 |
| Loan and lease loss provision to assets | -0.4906% | 6,081 |
| Net operating income to assets | 0.9429% | 2,543 |
| Return on assets (ROA) | 0.8852% | 2,954 |
| Pretax return on assets | 0.8852% | 3,908 |
| Return on Equity (ROE) | 10.1225% | 1,937 |
| Retained earnings to average equity (ytd only) | 5.9493% | 2,399 |
| Net charge-offs to loans | -0.1914% | 5,840 |
| Credit loss provision to net charge-offs | 825.7143% | 425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5827% | 1,013 |
| Assets per employee ($millions) | 4.5693% | 2,957 |
| Cash dividends to net income (ytd only)* | 41.2272% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9138% | 949 |
| Loan loss allowance to noncurrent loans | 2,686.6667% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.8359% | 2,598 |
| Noncurrent loans to loans | 0.0712% | 5,192 |
| Net loans and leases to total assets | 31.0214% | 5,807 |
| Net loans and leases to deposits | 34.5307% | 5,859 |
| Net loans and leases to core deposits | 35.1363% | 5,873 |
| Total domestic deposits to total assets | 89.8372% | 661 |
| Equity capital to assets | 8.9448% | 5,223 |
| Core capital (leverage) ratio | 8.3489% | 5,518 |
| Tier 1 risk-based capital ratio | 13.3615% | 4,060 |
| Total risk-based capital ratio | 14.3616% | 4,114 |
| Memoranda: | ||
| Average total assets | $471,303,000 | 1,458 |
| Average earning assets | $445,342,500 | 1,440 |
| Average equity | $41,215,000 | 1,791 |
| Average total loans | $146,326,000 | 2,699 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9110% | 5,801 |
| Cost of funding earning assets | 0.1252% | 5,853 |
| Net interest margin | 2.7858% | 5,542 |
| Noninterest income to average assets | 0.6642% | 2,383 |
| Noninterest expense to average assets | 2.5212% | 4,159 |
| Loan and lease loss provision to assets | -0.1561% | 5,929 |
| Net operating income to assets | 0.9346% | 2,686 |
| Return on assets (ROA) | 0.9346% | 2,768 |
| Pretax return on assets | 0.9346% | 3,708 |
| Return on Equity (ROE) | 10.3933% | 1,845 |
| Retained earnings to average equity (ytd only) | -7.2660% | 5,987 |
| Net charge-offs to loans | -0.3362% | 6,023 |
| Credit loss provision to net charge-offs | 154.6392% | 1,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0220% | 2,267 |
| Assets per employee ($millions) | 4.7180% | 2,705 |
| Cash dividends to net income (ytd only)* | 169.9109% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2919% | 518 |
| Loan loss allowance to noncurrent loans | 2,706.5041% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.5847% | 3,333 |
| Noncurrent loans to loans | 0.0847% | 5,161 |
| Net loans and leases to total assets | 29.7825% | 5,897 |
| Net loans and leases to deposits | 32.9895% | 5,955 |
| Net loans and leases to core deposits | 33.5722% | 5,967 |
| Total domestic deposits to total assets | 90.2787% | 508 |
| Equity capital to assets | 8.5469% | 5,526 |
| Core capital (leverage) ratio | 8.0814% | 5,787 |
| Tier 1 risk-based capital ratio | 13.2597% | 4,131 |
| Total risk-based capital ratio | 14.4501% | 4,099 |
| Memoranda: | ||
| Average total assets | $480,410,600 | 1,405 |
| Average earning assets | $454,477,200 | 1,363 |
| Average equity | $43,201,000 | 1,699 |
| Average total loans | $144,274,400 | 2,680 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9203% | 5,875 |
| Cost of funding earning assets | 0.1248% | 5,947 |
| Net interest margin | 2.7955% | 5,583 |
| Noninterest income to average assets | 0.6722% | 2,374 |
| Noninterest expense to average assets | 2.5102% | 4,165 |
| Loan and lease loss provision to assets | -0.2077% | 6,103 |
| Net operating income to assets | 1.0137% | 2,401 |
| Return on assets (ROA) | 1.0137% | 2,500 |
| Pretax return on assets | 1.0137% | 3,561 |
| Return on Equity (ROE) | 11.1364% | 1,651 |
| Retained earnings to average equity (ytd only) | -9.1860% | 6,113 |
| Net charge-offs to loans | -0.2435% | 6,041 |
| Credit loss provision to net charge-offs | 285.1711% | 1,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3111% | 2,349 |
| Assets per employee ($millions) | 4.8962% | 2,420 |
| Cash dividends to net income (ytd only)* | 182.4862% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1175% | 749 |
| Loan loss allowance to noncurrent loans | 4,637.3134% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.5712% | 3,579 |
| Noncurrent loans to loans | 0.0457% | 5,434 |
| Net loans and leases to total assets | 29.6290% | 5,985 |
| Net loans and leases to deposits | 32.8202% | 6,039 |
| Net loans and leases to core deposits | 33.2961% | 6,057 |
| Total domestic deposits to total assets | 90.2768% | 477 |
| Equity capital to assets | 8.5064% | 5,707 |
| Core capital (leverage) ratio | 8.1858% | 5,785 |
| Tier 1 risk-based capital ratio | 13.6682% | 4,044 |
| Total risk-based capital ratio | 14.8091% | 4,034 |
| Memoranda: | ||
| Average total assets | $481,383,000 | 1,405 |
| Average earning assets | $455,284,500 | 1,368 |
| Average equity | $43,819,250 | 1,693 |
| Average total loans | $144,030,750 | 2,696 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8701% | 5,971 |
| Cost of funding earning assets | 0.1251% | 6,016 |
| Net interest margin | 2.7450% | 5,716 |
| Noninterest income to average assets | 0.6575% | 2,432 |
| Noninterest expense to average assets | 2.4574% | 4,371 |
| Loan and lease loss provision to assets | -0.3123% | 6,231 |
| Net operating income to assets | 1.1069% | 1,926 |
| Return on assets (ROA) | 1.1069% | 2,013 |
| Pretax return on assets | 1.1069% | 3,143 |
| Return on Equity (ROE) | 11.8976% | 1,401 |
| Retained earnings to average equity (ytd only) | -1.3205% | 5,743 |
| Net charge-offs to loans | -0.2892% | 6,112 |
| Credit loss provision to net charge-offs | 362.3188% | 806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1697% | 2,518 |
| Assets per employee ($millions) | 4.8388% | 2,493 |
| Cash dividends to net income (ytd only)* | 111.0986% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0997% | 855 |
| Loan loss allowance to noncurrent loans | 8,028.9474% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.5833% | 3,665 |
| Noncurrent loans to loans | 0.0262% | 5,656 |
| Net loans and leases to total assets | 29.9994% | 6,038 |
| Net loans and leases to deposits | 33.4490% | 6,091 |
| Net loans and leases to core deposits | 33.9080% | 6,109 |
| Total domestic deposits to total assets | 89.6870% | 792 |
| Equity capital to assets | 9.2292% | 4,981 |
| Core capital (leverage) ratio | 8.7344% | 5,285 |
| Tier 1 risk-based capital ratio | 14.6324% | 3,560 |
| Total risk-based capital ratio | 15.7519% | 3,563 |
| Memoranda: | ||
| Average total assets | $480,268,000 | 1,420 |
| Average earning assets | $453,916,330 | 1,380 |
| Average equity | $44,681,330 | 1,670 |
| Average total loans | $143,132,000 | 2,716 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8651% | 6,018 |
| Cost of funding earning assets | 0.1260% | 6,087 |
| Net interest margin | 2.7391% | 5,753 |
| Noninterest income to average assets | 0.6563% | 2,373 |
| Noninterest expense to average assets | 2.4142% | 4,555 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8334% | 3,093 |
| Return on assets (ROA) | 0.8334% | 3,220 |
| Pretax return on assets | 0.8334% | 4,116 |
| Return on Equity (ROE) | 8.9234% | 2,480 |
| Retained earnings to average equity (ytd only) | -8.3209% | 6,089 |
| Net charge-offs to loans | -0.1324% | 5,947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9551% | 2,826 |
| Assets per employee ($millions) | 5.5001% | 1,793 |
| Cash dividends to net income (ytd only)* | 193.2473% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5980% | 462 |
| Loan loss allowance to noncurrent loans | 1,742.1053% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.6284% | 3,603 |
| Noncurrent loans to loans | 0.1491% | 5,239 |
| Net loans and leases to total assets | 28.5266% | 6,120 |
| Net loans and leases to deposits | 31.8850% | 6,164 |
| Net loans and leases to core deposits | 32.3695% | 6,179 |
| Total domestic deposits to total assets | 89.4669% | 1,008 |
| Equity capital to assets | 9.2882% | 4,986 |
| Core capital (leverage) ratio | 8.5576% | 5,465 |
| Tier 1 risk-based capital ratio | 14.8424% | 3,518 |
| Total risk-based capital ratio | 16.0940% | 3,455 |
| Memoranda: | ||
| Average total assets | $483,302,500 | 1,416 |
| Average earning assets | $457,228,500 | 1,371 |
| Average equity | $45,139,500 | 1,652 |
| Average total loans | $142,044,000 | 2,733 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0263% | 6,035 |
| Cost of funding earning assets | 0.1333% | 6,185 |
| Net interest margin | 2.8930% | 5,660 |
| Noninterest income to average assets | 0.6729% | 2,438 |
| Noninterest expense to average assets | 2.5080% | 4,523 |
| Loan and lease loss provision to assets | -0.2194% | 6,306 |
| Net operating income to assets | 1.1160% | 1,920 |
| Return on assets (ROA) | 1.1216% | 1,954 |
| Pretax return on assets | 1.1216% | 3,001 |
| Return on Equity (ROE) | 11.6161% | 1,518 |
| Retained earnings to average equity (ytd only) | 1.7450% | 4,946 |
| Net charge-offs to loans | -0.1753% | 6,240 |
| Credit loss provision to net charge-offs | 398.8327% | 656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2692% | 2,971 |
| Assets per employee ($millions) | 5.3054% | 1,953 |
| Cash dividends to net income (ytd only)* | 84.9780% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4968% | 552 |
| Loan loss allowance to noncurrent loans | 987.3626% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.6478% | 3,630 |
| Noncurrent loans to loans | 0.2529% | 4,927 |
| Net loans and leases to total assets | 28.7548% | 6,215 |
| Net loans and leases to deposits | 32.2498% | 6,253 |
| Net loans and leases to core deposits | 32.7520% | 6,266 |
| Total domestic deposits to total assets | 89.1625% | 1,140 |
| Equity capital to assets | 9.3904% | 4,857 |
| Core capital (leverage) ratio | 8.9713% | 5,039 |
| Tier 1 risk-based capital ratio | 14.8764% | 3,553 |
| Total risk-based capital ratio | 16.1274% | 3,488 |
| Memoranda: | ||
| Average total assets | $467,098,800 | 1,427 |
| Average earning assets | $441,066,600 | 1,389 |
| Average equity | $45,101,200 | 1,599 |
| Average total loans | $146,602,200 | 2,618 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0680% | 6,069 |
| Cost of funding earning assets | 0.1358% | 6,261 |
| Net interest margin | 2.9322% | 5,631 |
| Noninterest income to average assets | 0.6836% | 2,410 |
| Noninterest expense to average assets | 2.5295% | 4,433 |
| Loan and lease loss provision to assets | -0.2021% | 6,388 |
| Net operating income to assets | 1.1236% | 1,952 |
| Return on assets (ROA) | 1.1236% | 2,018 |
| Pretax return on assets | 1.1236% | 3,098 |
| Return on Equity (ROE) | 11.5526% | 1,607 |
| Retained earnings to average equity (ytd only) | -0.1781% | 5,831 |
| Net charge-offs to loans | -0.1095% | 6,167 |
| Credit loss provision to net charge-offs | 578.5124% | 507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8961% | 3,022 |
| Assets per employee ($millions) | 5.1105% | 2,126 |
| Cash dividends to net income (ytd only)* | 101.5417% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6218% | 550 |
| Loan loss allowance to noncurrent loans | 1,077.7778% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.6851% | 3,775 |
| Noncurrent loans to loans | 0.2433% | 5,168 |
| Net loans and leases to total assets | 30.2128% | 6,240 |
| Net loans and leases to deposits | 33.9770% | 6,300 |
| Net loans and leases to core deposits | 34.5389% | 6,306 |
| Total domestic deposits to total assets | 88.9214% | 1,284 |
| Equity capital to assets | 9.7766% | 4,448 |
| Core capital (leverage) ratio | 8.8824% | 5,214 |
| Tier 1 risk-based capital ratio | 14.4573% | 3,912 |
| Total risk-based capital ratio | 15.7091% | 3,853 |
| Memoranda: | ||
| Average total assets | $461,850,250 | 1,456 |
| Average earning assets | $435,888,500 | 1,418 |
| Average equity | $44,918,000 | 1,609 |
| Average total loans | $147,266,750 | 2,625 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0590% | 6,118 |
| Cost of funding earning assets | 0.1361% | 6,330 |
| Net interest margin | 2.9230% | 5,692 |
| Noninterest income to average assets | 0.6936% | 2,315 |
| Noninterest expense to average assets | 2.5448% | 4,438 |
| Loan and lease loss provision to assets | -0.3038% | 6,531 |
| Net operating income to assets | 1.2123% | 1,553 |
| Return on assets (ROA) | 1.2123% | 1,612 |
| Pretax return on assets | 1.2123% | 2,613 |
| Return on Equity (ROE) | 12.4868% | 1,310 |
| Retained earnings to average equity (ytd only) | -3.0714% | 6,101 |
| Net charge-offs to loans | -0.1470% | 6,263 |
| Credit loss provision to net charge-offs | 642.2018% | 477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2906% | 3,105 |
| Assets per employee ($millions) | 4.9638% | 2,260 |
| Cash dividends to net income (ytd only)* | 124.5972% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5793% | 635 |
| Loan loss allowance to noncurrent loans | 851.2415% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.7025% | 3,874 |
| Noncurrent loans to loans | 0.3030% | 5,103 |
| Net loans and leases to total assets | 30.5250% | 6,289 |
| Net loans and leases to deposits | 34.2931% | 6,338 |
| Net loans and leases to core deposits | 34.9010% | 6,354 |
| Total domestic deposits to total assets | 89.0122% | 1,342 |
| Equity capital to assets | 9.6719% | 4,532 |
| Core capital (leverage) ratio | 8.5800% | 5,548 |
| Tier 1 risk-based capital ratio | 14.3248% | 4,049 |
| Total risk-based capital ratio | 15.6193% | 3,949 |
| Memoranda: | ||
| Average total assets | $460,783,330 | 1,454 |
| Average earning assets | $435,038,000 | 1,415 |
| Average equity | $44,735,330 | 1,598 |
| Average total loans | $148,259,670 | 2,600 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0449% | 6,193 |
| Cost of funding earning assets | 0.1365% | 6,418 |
| Net interest margin | 2.9084% | 5,735 |
| Noninterest income to average assets | 0.6491% | 2,467 |
| Noninterest expense to average assets | 2.6025% | 4,262 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8020% | 3,145 |
| Return on assets (ROA) | 0.8020% | 3,225 |
| Pretax return on assets | 0.8020% | 4,111 |
| Return on Equity (ROE) | 8.2446% | 2,819 |
| Retained earnings to average equity (ytd only) | -23.0093% | 6,563 |
| Net charge-offs to loans | -0.1447% | 6,270 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0328% | 2,802 |
| Assets per employee ($millions) | 4.5487% | 2,900 |
| Cash dividends to net income (ytd only)* | 379.0850% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0135% | 427 |
| Loan loss allowance to noncurrent loans | 1,095.7816% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.7094% | 3,986 |
| Noncurrent loans to loans | 0.2750% | 5,281 |
| Net loans and leases to total assets | 30.9360% | 6,310 |
| Net loans and leases to deposits | 34.6705% | 6,354 |
| Net loans and leases to core deposits | 35.3203% | 6,377 |
| Total domestic deposits to total assets | 89.2284% | 1,513 |
| Equity capital to assets | 9.3973% | 4,634 |
| Core capital (leverage) ratio | 8.6189% | 5,504 |
| Tier 1 risk-based capital ratio | 14.1723% | 4,211 |
| Total risk-based capital ratio | 15.4563% | 4,136 |
| Memoranda: | ||
| Average total assets | $457,876,000 | 1,472 |
| Average earning assets | $433,772,000 | 1,427 |
| Average equity | $44,538,500 | 1,598 |
| Average total loans | $149,289,500 | 2,599 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3073% | 5,995 |
| Cost of funding earning assets | 0.1510% | 6,536 |
| Net interest margin | 3.1563% | 5,139 |
| Noninterest income to average assets | 0.4723% | 3,942 |
| Noninterest expense to average assets | 2.7084% | 4,064 |
| Loan and lease loss provision to assets | -0.2361% | 6,627 |
| Net operating income to assets | 0.9696% | 2,470 |
| Return on assets (ROA) | 0.9557% | 2,611 |
| Pretax return on assets | 0.9557% | 3,533 |
| Return on Equity (ROE) | 9.2181% | 2,443 |
| Retained earnings to average equity (ytd only) | 2.5085% | 4,468 |
| Net charge-offs to loans | 0.0556% | 4,455 |
| Credit loss provision to net charge-offs | -1,267.4699% | 6,260 |
| Earnings coverage of net charge-offs (x) | 39.3855% | 965 |
| Efficiency ratio | 78.2580% | 2,429 |
| Assets per employee ($millions) | 4.4304% | 3,030 |
| Cash dividends to net income (ytd only)* | 72.7870% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8690% | 545 |
| Loan loss allowance to noncurrent loans | 471.5676% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.8325% | 3,808 |
| Noncurrent loans to loans | 0.6084% | 4,457 |
| Net loans and leases to total assets | 32.3613% | 6,369 |
| Net loans and leases to deposits | 36.6119% | 6,410 |
| Net loans and leases to core deposits | 37.2819% | 6,437 |
| Total domestic deposits to total assets | 88.3900% | 1,957 |
| Equity capital to assets | 10.0593% | 3,682 |
| Core capital (leverage) ratio | 9.2254% | 4,682 |
| Tier 1 risk-based capital ratio | 14.9777% | 3,684 |
| Total risk-based capital ratio | 16.2327% | 3,620 |
| Memoranda: | ||
| Average total assets | $445,651,800 | 1,487 |
| Average earning assets | $419,285,000 | 1,454 |
| Average equity | $46,202,400 | 1,515 |
| Average total loans | $149,387,000 | 2,566 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3369% | 5,993 |
| Cost of funding earning assets | 0.1534% | 6,626 |
| Net interest margin | 3.1836% | 5,047 |
| Noninterest income to average assets | 0.3865% | 4,629 |
| Noninterest expense to average assets | 2.7161% | 3,961 |
| Loan and lease loss provision to assets | -0.1637% | 6,687 |
| Net operating income to assets | 0.8202% | 3,250 |
| Return on assets (ROA) | 0.8202% | 3,374 |
| Pretax return on assets | 0.8202% | 4,221 |
| Return on Equity (ROE) | 7.8511% | 3,199 |
| Retained earnings to average equity (ytd only) | 0.7923% | 5,663 |
| Net charge-offs to loans | 0.0242% | 4,647 |
| Credit loss provision to net charge-offs | -2,014.8148% | 6,279 |
| Earnings coverage of net charge-offs (x) | 80.7758% | 588 |
| Efficiency ratio | 80.0982% | 2,081 |
| Assets per employee ($millions) | 4.2524% | 3,325 |
| Cash dividends to net income (ytd only)* | 89.9085% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2968% | 415 |
| Loan loss allowance to noncurrent loans | 193.0251% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 1.3915% | 2,869 |
| Noncurrent loans to loans | 1.7079% | 2,633 |
| Net loans and leases to total assets | 32.3609% | 6,436 |
| Net loans and leases to deposits | 36.5830% | 6,484 |
| Net loans and leases to core deposits | 37.3774% | 6,518 |
| Total domestic deposits to total assets | 88.4588% | 1,859 |
| Equity capital to assets | 10.0854% | 3,786 |
| Core capital (leverage) ratio | 9.1365% | 4,910 |
| Tier 1 risk-based capital ratio | 14.6555% | 3,977 |
| Total risk-based capital ratio | 15.9435% | 3,915 |
| Memoranda: | ||
| Average total assets | $442,981,750 | 1,506 |
| Average earning assets | $415,500,500 | 1,476 |
| Average equity | $46,277,000 | 1,522 |
| Average total loans | $148,724,500 | 2,590 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3844% | 5,939 |
| Cost of funding earning assets | 0.1555% | 6,690 |
| Net interest margin | 3.2288% | 4,840 |
| Noninterest income to average assets | 0.1684% | 6,206 |
| Noninterest expense to average assets | 2.6419% | 4,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5437% | 4,582 |
| Return on assets (ROA) | 0.5437% | 4,753 |
| Pretax return on assets | 0.5437% | 5,225 |
| Return on Equity (ROE) | 5.1444% | 4,644 |
| Retained earnings to average equity (ytd only) | -5.3500% | 6,478 |
| Net charge-offs to loans | 0.0485% | 4,000 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 33.3611% | 1,061 |
| Efficiency ratio | 82.4641% | 1,826 |
| Assets per employee ($millions) | 4.2817% | 3,205 |
| Cash dividends to net income (ytd only)* | 203.9967% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6697% | 328 |
| Loan loss allowance to noncurrent loans | 576.6631% | 763 |
| Noncurrent assets plus other real estate owned to assets | 1.1859% | 3,378 |
| Noncurrent loans to loans | 0.6364% | 4,667 |
| Net loans and leases to total assets | 32.5057% | 6,484 |
| Net loans and leases to deposits | 36.7403% | 6,532 |
| Net loans and leases to core deposits | 37.6362% | 6,553 |
| Total domestic deposits to total assets | 88.4742% | 1,933 |
| Equity capital to assets | 10.0956% | 3,797 |
| Core capital (leverage) ratio | 8.8198% | 5,259 |
| Tier 1 risk-based capital ratio | 13.6954% | 4,644 |
| Total risk-based capital ratio | 14.9547% | 4,604 |
| Memoranda: | ||
| Average total assets | $441,807,330 | 1,506 |
| Average earning assets | $412,840,670 | 1,477 |
| Average equity | $46,692,000 | 1,515 |
| Average total loans | $148,493,000 | 2,591 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4452% | 5,847 |
| Cost of funding earning assets | 0.1588% | 6,774 |
| Net interest margin | 3.2864% | 4,568 |
| Noninterest income to average assets | 0.9064% | 1,741 |
| Noninterest expense to average assets | 2.6060% | 4,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3523% | 1,148 |
| Return on assets (ROA) | 1.3523% | 1,239 |
| Pretax return on assets | 1.3523% | 2,031 |
| Return on Equity (ROE) | 12.5166% | 1,290 |
| Retained earnings to average equity (ytd only) | 2.8884% | 4,554 |
| Net charge-offs to loans | -0.0216% | 5,750 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4707% | 4,750 |
| Assets per employee ($millions) | 4.2363% | 3,465 |
| Cash dividends to net income (ytd only)* | 76.9231% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7369% | 343 |
| Loan loss allowance to noncurrent loans | 163.8393% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 2.0135% | 2,329 |
| Noncurrent loans to loans | 2.2808% | 2,292 |
| Net loans and leases to total assets | 32.1873% | 6,508 |
| Net loans and leases to deposits | 36.6513% | 6,548 |
| Net loans and leases to core deposits | 37.5871% | 6,575 |
| Total domestic deposits to total assets | 87.8205% | 2,439 |
| Equity capital to assets | 10.7897% | 3,207 |
| Core capital (leverage) ratio | 9.2646% | 4,458 |
| Tier 1 risk-based capital ratio | 14.5497% | 4,140 |
| Total risk-based capital ratio | 15.8096% | 4,097 |
| Memoranda: | ||
| Average total assets | $442,205,000 | 1,517 |
| Average earning assets | $410,657,500 | 1,496 |
| Average equity | $47,776,500 | 1,508 |
| Average total loans | $148,332,000 | 2,606 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5843% | 6,244 |
| Cost of funding earning assets | 0.2125% | 6,800 |
| Net interest margin | 3.3718% | 4,990 |
| Noninterest income to average assets | 0.8307% | 2,126 |
| Noninterest expense to average assets | 2.8493% | 3,844 |
| Loan and lease loss provision to assets | 0.0578% | 5,052 |
| Net operating income to assets | 1.0549% | 2,100 |
| Return on assets (ROA) | 1.1160% | 2,060 |
| Pretax return on assets | 1.1160% | 3,099 |
| Return on Equity (ROE) | 10.0710% | 2,138 |
| Retained earnings to average equity (ytd only) | -1.4450% | 6,084 |
| Net charge-offs to loans | 0.2213% | 3,622 |
| Credit loss provision to net charge-offs | 73.3138% | 4,059 |
| Earnings coverage of net charge-offs (x) | 14.1026% | 1,764 |
| Efficiency ratio | 71.5412% | 3,513 |
| Assets per employee ($millions) | 4.4383% | 3,072 |
| Cash dividends to net income (ytd only)* | 114.3479% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6806% | 365 |
| Loan loss allowance to noncurrent loans | 143.5248% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 2.1400% | 2,285 |
| Noncurrent loans to loans | 2.5645% | 2,058 |
| Net loans and leases to total assets | 32.4113% | 6,610 |
| Net loans and leases to deposits | 36.9597% | 6,661 |
| Net loans and leases to core deposits | 37.9529% | 6,675 |
| Total domestic deposits to total assets | 87.6936% | 2,416 |
| Equity capital to assets | 10.8185% | 3,155 |
| Core capital (leverage) ratio | 9.2272% | 4,532 |
| Tier 1 risk-based capital ratio | 14.8996% | 3,775 |
| Total risk-based capital ratio | 16.1603% | 3,719 |
| Memoranda: | ||
| Average total assets | $432,183,600 | 1,525 |
| Average earning assets | $401,363,400 | 1,499 |
| Average equity | $47,889,800 | 1,456 |
| Average total loans | $154,109,000 | 2,515 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6247% | 6,359 |
| Cost of funding earning assets | 0.2262% | 6,885 |
| Net interest margin | 3.3984% | 5,041 |
| Noninterest income to average assets | 0.8321% | 2,112 |
| Noninterest expense to average assets | 2.7491% | 4,176 |
| Loan and lease loss provision to assets | 0.1553% | 3,579 |
| Net operating income to assets | 1.0862% | 2,146 |
| Return on assets (ROA) | 1.0902% | 2,323 |
| Pretax return on assets | 1.0902% | 3,385 |
| Return on Equity (ROE) | 9.7786% | 2,453 |
| Retained earnings to average equity (ytd only) | -2.2009% | 6,416 |
| Net charge-offs to loans | 0.1408% | 3,991 |
| Credit loss provision to net charge-offs | 304.8780% | 884 |
| Earnings coverage of net charge-offs (x) | 24.3721% | 1,278 |
| Efficiency ratio | 68.5399% | 3,952 |
| Assets per employee ($millions) | 4.1719% | 3,536 |
| Cash dividends to net income (ytd only)* | 122.5072% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9641% | 321 |
| Loan loss allowance to noncurrent loans | 112.5380% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 2.2684% | 2,347 |
| Noncurrent loans to loans | 3.5225% | 1,540 |
| Net loans and leases to total assets | 33.0773% | 6,700 |
| Net loans and leases to deposits | 37.5252% | 6,767 |
| Net loans and leases to core deposits | 38.7347% | 6,783 |
| Total domestic deposits to total assets | 88.1467% | 1,958 |
| Equity capital to assets | 10.9848% | 3,297 |
| Core capital (leverage) ratio | 9.2593% | 4,662 |
| Tier 1 risk-based capital ratio | 14.8417% | 3,954 |
| Total risk-based capital ratio | 16.1480% | 3,879 |
| Memoranda: | ||
| Average total assets | $429,271,250 | 1,551 |
| Average earning assets | $398,958,000 | 1,526 |
| Average equity | $47,858,250 | 1,475 |
| Average total loans | $155,299,000 | 2,529 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6373% | 6,442 |
| Cost of funding earning assets | 0.2404% | 6,941 |
| Net interest margin | 3.3969% | 5,103 |
| Noninterest income to average assets | 0.8103% | 2,136 |
| Noninterest expense to average assets | 2.9046% | 3,598 |
| Loan and lease loss provision to assets | 0.2338% | 2,731 |
| Net operating income to assets | 0.8304% | 3,241 |
| Return on assets (ROA) | 0.8365% | 3,477 |
| Pretax return on assets | 0.8365% | 4,326 |
| Return on Equity (ROE) | 7.4660% | 3,541 |
| Retained earnings to average equity (ytd only) | 3.2927% | 4,415 |
| Net charge-offs to loans | 0.2086% | 3,321 |
| Credit loss provision to net charge-offs | 304.8780% | 959 |
| Earnings coverage of net charge-offs (x) | 13.8780% | 1,752 |
| Efficiency ratio | 72.8322% | 3,273 |
| Assets per employee ($millions) | 4.3292% | 3,203 |
| Cash dividends to net income (ytd only)* | 55.8971% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9119% | 365 |
| Loan loss allowance to noncurrent loans | 79.7845% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 2.7493% | 2,006 |
| Noncurrent loans to loans | 4.9031% | 1,018 |
| Net loans and leases to total assets | 33.2791% | 6,758 |
| Net loans and leases to deposits | 37.9375% | 6,805 |
| Net loans and leases to core deposits | 39.2884% | 6,820 |
| Total domestic deposits to total assets | 87.7208% | 2,323 |
| Equity capital to assets | 10.9723% | 3,149 |
| Core capital (leverage) ratio | 9.7888% | 3,733 |
| Tier 1 risk-based capital ratio | 15.8902% | 3,213 |
| Total risk-based capital ratio | 17.1720% | 3,174 |
| Memoranda: | ||
| Average total assets | $427,734,670 | 1,558 |
| Average earning assets | $397,713,670 | 1,532 |
| Average equity | $47,924,000 | 1,469 |
| Average total loans | $157,252,000 | 2,503 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6902% | 6,452 |
| Cost of funding earning assets | 0.2565% | 6,992 |
| Net interest margin | 3.4337% | 4,985 |
| Noninterest income to average assets | 0.7963% | 2,185 |
| Noninterest expense to average assets | 2.6668% | 4,557 |
| Loan and lease loss provision to assets | 0.2837% | 2,197 |
| Net operating income to assets | 1.0355% | 2,345 |
| Return on assets (ROA) | 1.0478% | 2,484 |
| Pretax return on assets | 1.0478% | 3,508 |
| Return on Equity (ROE) | 9.2530% | 2,709 |
| Retained earnings to average equity (ytd only) | 5.0775% | 3,510 |
| Net charge-offs to loans | 0.2772% | 2,562 |
| Credit loss provision to net charge-offs | 270.2703% | 1,079 |
| Earnings coverage of net charge-offs (x) | 12.5676% | 1,590 |
| Efficiency ratio | 66.5480% | 4,454 |
| Assets per employee ($millions) | 4.2831% | 3,428 |
| Cash dividends to net income (ytd only)* | 45.1264% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6658% | 477 |
| Loan loss allowance to noncurrent loans | 80.6844% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 2.7322% | 2,158 |
| Noncurrent loans to loans | 4.5433% | 1,271 |
| Net loans and leases to total assets | 35.4456% | 6,656 |
| Net loans and leases to deposits | 40.6004% | 6,709 |
| Net loans and leases to core deposits | 42.2190% | 6,737 |
| Total domestic deposits to total assets | 87.3035% | 2,769 |
| Equity capital to assets | 11.2111% | 2,706 |
| Core capital (leverage) ratio | 9.7686% | 3,686 |
| Tier 1 risk-based capital ratio | 15.9184% | 3,215 |
| Total risk-based capital ratio | 17.1815% | 3,178 |
| Memoranda: | ||
| Average total assets | $422,979,500 | 1,575 |
| Average earning assets | $392,934,000 | 1,549 |
| Average equity | $47,898,000 | 1,463 |
| Average total loans | $160,160,500 | 2,481 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0693% | 6,322 |
| Cost of funding earning assets | 0.3940% | 6,900 |
| Net interest margin | 3.6753% | 4,413 |
| Noninterest income to average assets | 0.7702% | 2,229 |
| Noninterest expense to average assets | 2.9463% | 3,788 |
| Loan and lease loss provision to assets | 0.2202% | 3,996 |
| Net operating income to assets | 1.0433% | 2,029 |
| Return on assets (ROA) | 0.8612% | 2,915 |
| Pretax return on assets | 0.8612% | 3,736 |
| Return on Equity (ROE) | 7.8852% | 2,969 |
| Retained earnings to average equity (ytd only) | 4.9731% | 2,659 |
| Net charge-offs to loans | 0.4832% | 3,066 |
| Credit loss provision to net charge-offs | 103.5673% | 3,334 |
| Earnings coverage of net charge-offs (x) | 5.9425% | 2,637 |
| Efficiency ratio | 69.6385% | 4,030 |
| Assets per employee ($millions) | 4.2187% | 3,430 |
| Cash dividends to net income (ytd only)* | 36.9318% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4340% | 556 |
| Loan loss allowance to noncurrent loans | 72.0196% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 2.9728% | 2,022 |
| Noncurrent loans to loans | 4.7681% | 1,218 |
| Net loans and leases to total assets | 37.6246% | 6,662 |
| Net loans and leases to deposits | 42.9478% | 6,763 |
| Net loans and leases to core deposits | 44.6767% | 6,788 |
| Total domestic deposits to total assets | 87.6055% | 2,401 |
| Equity capital to assets | 11.4397% | 2,554 |
| Core capital (leverage) ratio | 9.8181% | 3,566 |
| Tier 1 risk-based capital ratio | 16.3876% | 2,869 |
| Total risk-based capital ratio | 17.6509% | 2,834 |
| Memoranda: | ||
| Average total assets | $408,713,600 | 1,587 |
| Average earning assets | $382,502,800 | 1,555 |
| Average equity | $44,640,600 | 1,520 |
| Average total loans | $179,856,200 | 2,251 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1546% | 6,303 |
| Cost of funding earning assets | 0.4315% | 6,937 |
| Net interest margin | 3.7231% | 4,238 |
| Noninterest income to average assets | 0.8322% | 1,916 |
| Noninterest expense to average assets | 3.0118% | 3,518 |
| Loan and lease loss provision to assets | 0.2952% | 3,164 |
| Net operating income to assets | 1.0175% | 2,260 |
| Return on assets (ROA) | 1.0280% | 2,385 |
| Pretax return on assets | 1.0280% | 3,296 |
| Return on Equity (ROE) | 9.5279% | 2,377 |
| Retained earnings to average equity (ytd only) | 6.6397% | 2,173 |
| Net charge-offs to loans | 0.4678% | 2,863 |
| Credit loss provision to net charge-offs | 139.3189% | 2,290 |
| Earnings coverage of net charge-offs (x) | 6.1951% | 2,599 |
| Efficiency ratio | 69.3037% | 4,075 |
| Assets per employee ($millions) | 4.1086% | 3,627 |
| Cash dividends to net income (ytd only)* | 30.3128% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3578% | 633 |
| Loan loss allowance to noncurrent loans | 55.5439% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 3.7275% | 1,673 |
| Noncurrent loans to loans | 6.0453% | 923 |
| Net loans and leases to total assets | 39.9094% | 6,639 |
| Net loans and leases to deposits | 45.7087% | 6,746 |
| Net loans and leases to core deposits | 47.6865% | 6,771 |
| Total domestic deposits to total assets | 87.3125% | 2,465 |
| Equity capital to assets | 11.5023% | 2,679 |
| Core capital (leverage) ratio | 9.5409% | 4,092 |
| Tier 1 risk-based capital ratio | 15.6467% | 3,310 |
| Total risk-based capital ratio | 16.9096% | 3,270 |
| Memoranda: | ||
| Average total assets | $406,479,000 | 1,602 |
| Average earning assets | $381,282,500 | 1,563 |
| Average equity | $43,856,250 | 1,547 |
| Average total loans | $184,138,250 | 2,208 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3038% | 6,012 |
| Cost of funding earning assets | 0.4672% | 6,961 |
| Net interest margin | 3.8365% | 3,608 |
| Noninterest income to average assets | 0.7726% | 2,149 |
| Noninterest expense to average assets | 3.1217% | 3,175 |
| Loan and lease loss provision to assets | 0.4474% | 2,189 |
| Net operating income to assets | 0.7999% | 3,076 |
| Return on assets (ROA) | 0.8158% | 3,131 |
| Pretax return on assets | 0.8158% | 3,965 |
| Return on Equity (ROE) | 7.7392% | 3,078 |
| Retained earnings to average equity (ytd only) | 4.4379% | 3,366 |
| Net charge-offs to loans | 0.3578% | 3,125 |
| Credit loss provision to net charge-offs | 267.8571% | 1,134 |
| Earnings coverage of net charge-offs (x) | 7.4673% | 2,219 |
| Efficiency ratio | 71.1083% | 3,915 |
| Assets per employee ($millions) | 3.9123% | 3,961 |
| Cash dividends to net income (ytd only)* | 42.6569% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4426% | 625 |
| Loan loss allowance to noncurrent loans | 54.9116% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 3.9699% | 1,621 |
| Noncurrent loans to loans | 6.2693% | 916 |
| Net loans and leases to total assets | 41.7934% | 6,606 |
| Net loans and leases to deposits | 47.4721% | 6,758 |
| Net loans and leases to core deposits | 49.5470% | 6,779 |
| Total domestic deposits to total assets | 88.0377% | 2,113 |
| Equity capital to assets | 10.7013% | 3,287 |
| Core capital (leverage) ratio | 9.5541% | 3,875 |
| Tier 1 risk-based capital ratio | 15.6411% | 3,159 |
| Total risk-based capital ratio | 16.9066% | 3,120 |
| Memoranda: | ||
| Average total assets | $402,280,670 | 1,633 |
| Average earning assets | $377,112,000 | 1,596 |
| Average equity | $42,407,330 | 1,580 |
| Average total loans | $187,830,670 | 2,195 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4225% | 5,612 |
| Cost of funding earning assets | 0.4841% | 7,029 |
| Net interest margin | 3.9384% | 2,963 |
| Noninterest income to average assets | 0.7457% | 2,277 |
| Noninterest expense to average assets | 3.1124% | 3,198 |
| Loan and lease loss provision to assets | 0.4522% | 1,950 |
| Net operating income to assets | 0.8763% | 2,677 |
| Return on assets (ROA) | 0.9085% | 2,579 |
| Pretax return on assets | 0.9085% | 3,464 |
| Return on Equity (ROE) | 8.6858% | 2,618 |
| Retained earnings to average equity (ytd only) | 5.3230% | 2,991 |
| Net charge-offs to loans | 0.6679% | 1,871 |
| Credit loss provision to net charge-offs | 139.7516% | 2,007 |
| Earnings coverage of net charge-offs (x) | 4.1056% | 2,559 |
| Efficiency ratio | 69.7443% | 4,328 |
| Assets per employee ($millions) | 3.9228% | 4,014 |
| Cash dividends to net income (ytd only)* | 38.7168% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0575% | 865 |
| Loan loss allowance to noncurrent loans | 80.8447% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 3.1118% | 2,217 |
| Noncurrent loans to loans | 3.7819% | 1,944 |
| Net loans and leases to total assets | 45.0484% | 6,378 |
| Net loans and leases to deposits | 51.3411% | 6,528 |
| Net loans and leases to core deposits | 53.5375% | 6,586 |
| Total domestic deposits to total assets | 87.7434% | 2,528 |
| Equity capital to assets | 10.6696% | 3,019 |
| Core capital (leverage) ratio | 9.8208% | 3,363 |
| Tier 1 risk-based capital ratio | 15.7775% | 3,010 |
| Total risk-based capital ratio | 17.0415% | 2,963 |
| Memoranda: | ||
| Average total assets | $398,026,000 | 1,664 |
| Average earning assets | $373,451,000 | 1,623 |
| Average equity | $41,631,000 | 1,602 |
| Average total loans | $192,844,000 | 2,174 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6730% | 5,886 |
| Cost of funding earning assets | 0.6708% | 6,957 |
| Net interest margin | 4.0022% | 3,011 |
| Noninterest income to average assets | 0.8046% | 2,259 |
| Noninterest expense to average assets | 3.1369% | 3,317 |
| Loan and lease loss provision to assets | 0.4672% | 3,334 |
| Net operating income to assets | 0.9323% | 2,269 |
| Return on assets (ROA) | 0.9375% | 2,378 |
| Pretax return on assets | 0.9375% | 3,143 |
| Return on Equity (ROE) | 8.8778% | 2,345 |
| Retained earnings to average equity (ytd only) | 7.0344% | 1,304 |
| Net charge-offs to loans | 0.6250% | 3,152 |
| Credit loss provision to net charge-offs | 136.8821% | 2,800 |
| Earnings coverage of net charge-offs (x) | 4.1004% | 3,063 |
| Efficiency ratio | 68.8065% | 4,404 |
| Assets per employee ($millions) | 3.8816% | 4,049 |
| Cash dividends to net income (ytd only)* | 20.7641% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7819% | 1,076 |
| Loan loss allowance to noncurrent loans | 42.1272% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 4.5163% | 1,481 |
| Noncurrent loans to loans | 6.6037% | 892 |
| Net loans and leases to total assets | 49.0484% | 6,270 |
| Net loans and leases to deposits | 55.4442% | 6,487 |
| Net loans and leases to core deposits | 57.2080% | 6,621 |
| Total domestic deposits to total assets | 88.4645% | 1,969 |
| Equity capital to assets | 10.2469% | 3,446 |
| Core capital (leverage) ratio | 9.7985% | 3,317 |
| Tier 1 risk-based capital ratio | 14.6161% | 3,469 |
| Total risk-based capital ratio | 15.8774% | 3,428 |
| Memoranda: | ||
| Average total assets | $385,279,200 | 1,703 |
| Average earning assets | $359,254,000 | 1,666 |
| Average equity | $40,685,800 | 1,629 |
| Average total loans | $210,392,000 | 2,066 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7386% | 5,891 |
| Cost of funding earning assets | 0.7145% | 7,029 |
| Net interest margin | 4.0241% | 2,991 |
| Noninterest income to average assets | 0.7506% | 2,498 |
| Noninterest expense to average assets | 3.1216% | 3,233 |
| Loan and lease loss provision to assets | 0.4704% | 3,121 |
| Net operating income to assets | 0.9053% | 2,583 |
| Return on assets (ROA) | 0.9123% | 2,711 |
| Pretax return on assets | 0.9123% | 3,514 |
| Return on Equity (ROE) | 8.5733% | 2,663 |
| Retained earnings to average equity (ytd only) | 6.6084% | 2,036 |
| Net charge-offs to loans | 0.3304% | 4,010 |
| Credit loss provision to net charge-offs | 255.6818% | 1,300 |
| Earnings coverage of net charge-offs (x) | 7.4773% | 2,324 |
| Efficiency ratio | 69.0609% | 4,254 |
| Assets per employee ($millions) | 3.8264% | 4,203 |
| Cash dividends to net income (ytd only)* | 22.9183% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8645% | 942 |
| Loan loss allowance to noncurrent loans | 85.6562% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 2.9354% | 2,470 |
| Noncurrent loans to loans | 3.3442% | 2,375 |
| Net loans and leases to total assets | 50.7107% | 6,247 |
| Net loans and leases to deposits | 58.1931% | 6,446 |
| Net loans and leases to core deposits | 59.9295% | 6,606 |
| Total domestic deposits to total assets | 87.1421% | 2,452 |
| Equity capital to assets | 11.2711% | 2,723 |
| Core capital (leverage) ratio | 9.6254% | 3,724 |
| Tier 1 risk-based capital ratio | 14.5789% | 3,468 |
| Total risk-based capital ratio | 15.8426% | 3,430 |
| Memoranda: | ||
| Average total assets | $382,617,750 | 1,741 |
| Average earning assets | $356,244,000 | 1,701 |
| Average equity | $40,714,750 | 1,630 |
| Average total loans | $213,052,000 | 2,068 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7848% | 5,844 |
| Cost of funding earning assets | 0.7633% | 7,024 |
| Net interest margin | 4.0215% | 2,916 |
| Noninterest income to average assets | 0.9171% | 1,633 |
| Noninterest expense to average assets | 3.0001% | 3,713 |
| Loan and lease loss provision to assets | 0.4752% | 2,937 |
| Net operating income to assets | 1.1748% | 1,628 |
| Return on assets (ROA) | 1.1854% | 1,667 |
| Pretax return on assets | 1.1854% | 2,465 |
| Return on Equity (ROE) | 11.3731% | 1,630 |
| Retained earnings to average equity (ytd only) | 10.1066% | 823 |
| Net charge-offs to loans | 0.3128% | 3,758 |
| Credit loss provision to net charge-offs | 267.0623% | 1,416 |
| Earnings coverage of net charge-offs (x) | 9.2730% | 2,039 |
| Efficiency ratio | 64.1762% | 5,303 |
| Assets per employee ($millions) | 3.7671% | 4,301 |
| Cash dividends to net income (ytd only)* | 11.1359% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6972% | 1,094 |
| Loan loss allowance to noncurrent loans | 87.8136% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 3.2094% | 2,206 |
| Noncurrent loans to loans | 3.0715% | 2,620 |
| Net loans and leases to total assets | 52.9048% | 6,116 |
| Net loans and leases to deposits | 59.9255% | 6,417 |
| Net loans and leases to core deposits | 61.7121% | 6,572 |
| Total domestic deposits to total assets | 88.2843% | 1,834 |
| Equity capital to assets | 10.6971% | 3,175 |
| Core capital (leverage) ratio | 9.7341% | 3,490 |
| Tier 1 risk-based capital ratio | 14.5481% | 3,419 |
| Total risk-based capital ratio | 15.8104% | 3,373 |
| Memoranda: | ||
| Average total assets | $378,782,330 | 1,773 |
| Average earning assets | $351,612,000 | 1,738 |
| Average equity | $39,479,000 | 1,686 |
| Average total loans | $215,483,670 | 2,076 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6502% | 6,411 |
| Cost of funding earning assets | 0.8080% | 7,067 |
| Net interest margin | 3.8422% | 3,616 |
| Noninterest income to average assets | 0.9435% | 1,472 |
| Noninterest expense to average assets | 3.0347% | 3,545 |
| Loan and lease loss provision to assets | 0.4787% | 2,588 |
| Net operating income to assets | 1.0009% | 2,184 |
| Return on assets (ROA) | 1.0009% | 2,251 |
| Pretax return on assets | 1.0009% | 3,090 |
| Return on Equity (ROE) | 9.7344% | 2,194 |
| Retained earnings to average equity (ytd only) | 9.7344% | 1,203 |
| Net charge-offs to loans | 0.0677% | 4,731 |
| Credit loss provision to net charge-offs | 1,216.2162% | 404 |
| Earnings coverage of net charge-offs (x) | 37.5946% | 729 |
| Efficiency ratio | 66.8709% | 4,943 |
| Assets per employee ($millions) | 3.6746% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5171% | 1,272 |
| Loan loss allowance to noncurrent loans | 73.8522% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 3.5471% | 1,978 |
| Noncurrent loans to loans | 3.4083% | 2,340 |
| Net loans and leases to total assets | 56.6751% | 5,655 |
| Net loans and leases to deposits | 64.6355% | 5,984 |
| Net loans and leases to core deposits | 66.2556% | 6,267 |
| Total domestic deposits to total assets | 87.6842% | 2,245 |
| Equity capital to assets | 10.5758% | 3,172 |
| Core capital (leverage) ratio | 9.7374% | 3,468 |
| Tier 1 risk-based capital ratio | 13.8882% | 3,734 |
| Total risk-based capital ratio | 15.1496% | 3,686 |
| Memoranda: | ||
| Average total assets | $376,051,000 | 1,822 |
| Average earning assets | $349,491,000 | 1,787 |
| Average equity | $38,667,000 | 1,736 |
| Average total loans | $218,766,000 | 2,085 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9187% | 6,668 |
| Cost of funding earning assets | 0.9974% | 7,211 |
| Net interest margin | 3.9212% | 3,184 |
| Noninterest income to average assets | 0.5555% | 3,977 |
| Noninterest expense to average assets | 3.1666% | 3,490 |
| Loan and lease loss provision to assets | 1.0295% | 2,218 |
| Net operating income to assets | -0.0069% | 5,495 |
| Return on assets (ROA) | 0.0090% | 5,507 |
| Pretax return on assets | 0.0090% | 5,424 |
| Return on Equity (ROE) | 0.0965% | 5,505 |
| Retained earnings to average equity (ytd only) | -1.3230% | 5,352 |
| Net charge-offs to loans | 1.3395% | 1,862 |
| Credit loss provision to net charge-offs | 120.3390% | 4,449 |
| Earnings coverage of net charge-offs (x) | 1.1954% | 4,927 |
| Efficiency ratio | 75.2108% | 3,668 |
| Assets per employee ($millions) | 3.4299% | 5,183 |
| Cash dividends to net income (ytd only)* | 1,470.5882% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3094% | 1,466 |
| Loan loss allowance to noncurrent loans | 59.1556% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 3.8570% | 1,725 |
| Noncurrent loans to loans | 3.9040% | 1,902 |
| Net loans and leases to total assets | 56.8660% | 5,842 |
| Net loans and leases to deposits | 64.7318% | 6,186 |
| Net loans and leases to core deposits | 70.3790% | 6,743 |
| Total domestic deposits to total assets | 87.8487% | 2,045 |
| Equity capital to assets | 9.9909% | 3,778 |
| Core capital (leverage) ratio | 9.3648% | 3,880 |
| Tier 1 risk-based capital ratio | 13.3662% | 3,907 |
| Total risk-based capital ratio | 14.6251% | 3,840 |
| Memoranda: | ||
| Average total assets | $379,297,000 | 1,801 |
| Average earning assets | $351,498,200 | 1,775 |
| Average equity | $35,224,200 | 1,913 |
| Average total loans | $242,263,200 | 1,932 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9510% | 6,759 |
| Cost of funding earning assets | 1.0398% | 7,306 |
| Net interest margin | 3.9112% | 3,196 |
| Noninterest income to average assets | 0.3946% | 5,341 |
| Noninterest expense to average assets | 3.3663% | 2,672 |
| Loan and lease loss provision to assets | 1.1322% | 1,726 |
| Net operating income to assets | -0.4750% | 6,401 |
| Return on assets (ROA) | -0.6505% | 6,574 |
| Pretax return on assets | -0.6505% | 6,444 |
| Return on Equity (ROE) | -7.1391% | 6,674 |
| Retained earnings to average equity (ytd only) | -9.0655% | 6,710 |
| Net charge-offs to loans | 1.5096% | 1,352 |
| Credit loss provision to net charge-offs | 114.8913% | 4,417 |
| Earnings coverage of net charge-offs (x) | 0.6669% | 5,363 |
| Efficiency ratio | 83.2737% | 2,393 |
| Assets per employee ($millions) | 3.4210% | 5,122 |
| Cash dividends to net income (ytd only)* | -26.9833% | 7,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0647% | 1,662 |
| Loan loss allowance to noncurrent loans | 44.4997% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 3.7521% | 1,733 |
| Noncurrent loans to loans | 4.6398% | 1,488 |
| Net loans and leases to total assets | 60.3336% | 5,533 |
| Net loans and leases to deposits | 67.9979% | 6,124 |
| Net loans and leases to core deposits | 73.6697% | 6,747 |
| Total domestic deposits to total assets | 88.7285% | 1,326 |
| Equity capital to assets | 9.3185% | 5,003 |
| Core capital (leverage) ratio | 8.8232% | 4,941 |
| Tier 1 risk-based capital ratio | 12.1944% | 4,794 |
| Total risk-based capital ratio | 13.4465% | 4,745 |
| Memoranda: | ||
| Average total assets | $379,798,250 | 1,812 |
| Average earning assets | $352,378,000 | 1,788 |
| Average equity | $34,606,500 | 1,962 |
| Average total loans | $247,923,250 | 1,929 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1166% | 6,366 |
| Cost of funding earning assets | 1.1166% | 7,335 |
| Net interest margin | 4.0000% | 2,700 |
| Noninterest income to average assets | 1.1421% | 1,202 |
| Noninterest expense to average assets | 3.4643% | 2,446 |
| Loan and lease loss provision to assets | 0.6450% | 2,499 |
| Net operating income to assets | 0.7298% | 3,136 |
| Return on assets (ROA) | 0.7298% | 3,241 |
| Pretax return on assets | 0.7298% | 3,901 |
| Return on Equity (ROE) | 8.0706% | 2,743 |
| Retained earnings to average equity (ytd only) | 5.1591% | 2,421 |
| Net charge-offs to loans | 0.5178% | 2,771 |
| Credit loss provision to net charge-offs | 187.3089% | 2,450 |
| Earnings coverage of net charge-offs (x) | 3.9924% | 3,248 |
| Efficiency ratio | 71.2622% | 4,547 |
| Assets per employee ($millions) | 3.2266% | 5,520 |
| Cash dividends to net income (ytd only)* | 36.0750% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0445% | 1,486 |
| Loan loss allowance to noncurrent loans | 61.8929% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 3.5833% | 1,730 |
| Noncurrent loans to loans | 3.3033% | 2,137 |
| Net loans and leases to total assets | 63.7860% | 5,026 |
| Net loans and leases to deposits | 72.4222% | 5,681 |
| Net loans and leases to core deposits | 78.5001% | 6,514 |
| Total domestic deposits to total assets | 88.0753% | 1,727 |
| Equity capital to assets | 10.1876% | 3,734 |
| Core capital (leverage) ratio | 9.7109% | 3,618 |
| Tier 1 risk-based capital ratio | 13.5555% | 3,785 |
| Total risk-based capital ratio | 14.8104% | 3,713 |
| Memoranda: | ||
| Average total assets | $379,821,330 | 1,827 |
| Average earning assets | $351,052,330 | 1,816 |
| Average equity | $34,347,000 | 1,970 |
| Average total loans | $252,586,330 | 1,934 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1805% | 6,372 |
| Cost of funding earning assets | 1.2637% | 7,136 |
| Net interest margin | 3.9168% | 2,984 |
| Noninterest income to average assets | 1.0152% | 1,442 |
| Noninterest expense to average assets | 3.2400% | 2,831 |
| Loan and lease loss provision to assets | 0.3137% | 3,461 |
| Net operating income to assets | 1.0811% | 2,027 |
| Return on assets (ROA) | 1.0811% | 2,159 |
| Pretax return on assets | 1.0811% | 3,058 |
| Return on Equity (ROE) | 12.7438% | 1,456 |
| Retained earnings to average equity (ytd only) | 9.6626% | 1,294 |
| Net charge-offs to loans | 0.0840% | 4,327 |
| Credit loss provision to net charge-offs | 555.5556% | 1,007 |
| Earnings coverage of net charge-offs (x) | 24.7037% | 1,232 |
| Efficiency ratio | 69.5691% | 4,663 |
| Assets per employee ($millions) | 3.0439% | 6,039 |
| Cash dividends to net income (ytd only)* | 24.1779% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8231% | 1,799 |
| Loan loss allowance to noncurrent loans | 82.2854% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 2.7806% | 2,037 |
| Noncurrent loans to loans | 2.2155% | 2,956 |
| Net loans and leases to total assets | 65.9415% | 4,600 |
| Net loans and leases to deposits | 76.1240% | 5,206 |
| Net loans and leases to core deposits | 83.1106% | 6,139 |
| Total domestic deposits to total assets | 86.6238% | 2,395 |
| Equity capital to assets | 8.6092% | 5,902 |
| Core capital (leverage) ratio | 8.3415% | 5,829 |
| Tier 1 risk-based capital ratio | 10.9999% | 5,912 |
| Total risk-based capital ratio | 12.2510% | 5,805 |
| Memoranda: | ||
| Average total assets | $382,587,500 | 1,833 |
| Average earning assets | $353,554,000 | 1,813 |
| Average equity | $32,455,000 | 2,089 |
| Average total loans | $257,016,000 | 1,915 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1392% | 4,841 |
| Cost of funding earning assets | 1.7455% | 7,147 |
| Net interest margin | 4.3937% | 1,701 |
| Noninterest income to average assets | 0.9676% | 1,699 |
| Noninterest expense to average assets | 3.0915% | 3,728 |
| Loan and lease loss provision to assets | 0.4980% | 2,821 |
| Net operating income to assets | 1.4181% | 1,189 |
| Return on assets (ROA) | 1.1600% | 1,839 |
| Pretax return on assets | 1.1600% | 2,807 |
| Return on Equity (ROE) | 14.6964% | 973 |
| Retained earnings to average equity (ytd only) | 6.8893% | 1,191 |
| Net charge-offs to loans | 0.3700% | 2,992 |
| Credit loss provision to net charge-offs | 208.2019% | 2,326 |
| Earnings coverage of net charge-offs (x) | 8.0105% | 2,964 |
| Efficiency ratio | 61.4345% | 6,065 |
| Assets per employee ($millions) | 2.9143% | 6,259 |
| Cash dividends to net income (ytd only)* | 53.1223% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7069% | 1,887 |
| Loan loss allowance to noncurrent loans | 81.1179% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 2.6541% | 1,800 |
| Noncurrent loans to loans | 2.1043% | 2,626 |
| Net loans and leases to total assets | 66.0437% | 4,839 |
| Net loans and leases to deposits | 75.4083% | 5,668 |
| Net loans and leases to core deposits | 82.1988% | 6,443 |
| Total domestic deposits to total assets | 87.5816% | 1,674 |
| Equity capital to assets | 8.3582% | 6,329 |
| Core capital (leverage) ratio | 7.9991% | 6,493 |
| Tier 1 risk-based capital ratio | 10.9297% | 5,790 |
| Total risk-based capital ratio | 12.1820% | 5,703 |
| Memoranda: | ||
| Average total assets | $397,571,000 | 1,709 |
| Average earning assets | $365,571,600 | 1,701 |
| Average equity | $31,381,800 | 2,153 |
| Average total loans | $257,015,800 | 1,862 |