Home > The First National Bank of Liberal > Performance and Condition Ratios
The First National Bank of Liberal, Performance and Condition Ratios
| 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 | 3.6485% | 4,597 |
| Cost of funding earning assets | 0.6975% | 1,462 |
| Net interest margin | 2.9509% | 4,958 |
| Noninterest income to average assets | 0.3070% | 4,107 |
| Noninterest expense to average assets | 1.8556% | 5,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1264% | 2,303 |
| Return on assets (ROA) | 1.1264% | 2,323 |
| Pretax return on assets | 1.2555% | 2,535 |
| Return on Equity (ROE) | 11.8951% | 1,615 |
| Retained earnings to average equity (ytd only) | 7.9256% | 1,867 |
| Net charge-offs to loans | -0.0049% | 4,005 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6456% | 4,113 |
| Assets per employee ($millions) | 6.7739% | 1,057 |
| Cash dividends to net income (ytd only)* | 33.3704% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 3,033 |
| Loan loss allowance to noncurrent loans | 4,776.9231% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 5,065 |
| Noncurrent loans to loans | 0.0243% | 4,872 |
| Net loans and leases to total assets | 49.7903% | 4,573 |
| Net loans and leases to deposits | 55.0174% | 4,745 |
| Net loans and leases to core deposits | 65.5266% | 4,342 |
| Total domestic deposits to total assets | 90.4993% | 479 |
| Equity capital to assets | 9.4310% | 4,151 |
| Core capital (leverage) ratio | 9.8925% | 3,657 |
| Tier 1 risk-based capital ratio | 16.2904% | 2,360 |
| Total risk-based capital ratio | 17.2339% | 2,419 |
| Memoranda: | ||
| Average total assets | $319,243,000 | 2,080 |
| Average earning assets | $303,360,500 | 2,036 |
| Average equity | $30,231,000 | 2,352 |
| Average total loans | $164,176,000 | 2,532 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7639% | 4,174 |
| Cost of funding earning assets | 0.5603% | 1,883 |
| Net interest margin | 3.2036% | 4,442 |
| Noninterest income to average assets | 0.3408% | 4,032 |
| Noninterest expense to average assets | 2.0669% | 4,845 |
| Loan and lease loss provision to assets | 0.1108% | 2,043 |
| Net operating income to assets | 1.0063% | 2,216 |
| Return on assets (ROA) | 1.0070% | 2,249 |
| Pretax return on assets | 1.2061% | 2,751 |
| Return on Equity (ROE) | 10.6441% | 1,617 |
| Retained earnings to average equity (ytd only) | 6.6300% | 1,219 |
| Net charge-offs to loans | 0.1983% | 1,294 |
| Credit loss provision to net charge-offs | 102.3392% | 2,503 |
| Earnings coverage of net charge-offs (x) | 12.1579% | 2,498 |
| Efficiency ratio | 61.1002% | 4,098 |
| Assets per employee ($millions) | 6.0398% | 1,492 |
| Cash dividends to net income (ytd only)* | 37.7121% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1079% | 3,308 |
| Loan loss allowance to noncurrent loans | 1,979.7872% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 5,001 |
| Noncurrent loans to loans | 0.0560% | 4,744 |
| Net loans and leases to total assets | 51.8908% | 4,520 |
| Net loans and leases to deposits | 57.4053% | 4,726 |
| Net loans and leases to core deposits | 68.5397% | 4,259 |
| Total domestic deposits to total assets | 90.3936% | 435 |
| Equity capital to assets | 9.5080% | 4,230 |
| Core capital (leverage) ratio | 10.1810% | 3,220 |
| Tier 1 risk-based capital ratio | 15.5336% | 2,613 |
| Total risk-based capital ratio | 16.4493% | 2,679 |
| Memoranda: | ||
| Average total assets | $315,974,800 | 2,086 |
| Average earning assets | $300,036,600 | 2,042 |
| Average equity | $29,894,400 | 2,362 |
| Average total loans | $172,440,600 | 2,399 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7862% | 4,057 |
| Cost of funding earning assets | 0.5475% | 1,913 |
| Net interest margin | 3.2387% | 4,363 |
| Noninterest income to average assets | 0.3467% | 4,059 |
| Noninterest expense to average assets | 2.1057% | 4,723 |
| Loan and lease loss provision to assets | 0.1482% | 1,415 |
| Net operating income to assets | 0.9891% | 2,603 |
| Return on assets (ROA) | 0.9902% | 2,655 |
| Pretax return on assets | 1.1718% | 3,016 |
| Return on Equity (ROE) | 10.4795% | 1,915 |
| Retained earnings to average equity (ytd only) | 6.4472% | 1,986 |
| Net charge-offs to loans | 0.2812% | 772 |
| Credit loss provision to net charge-offs | 95.6284% | 2,378 |
| Earnings coverage of net charge-offs (x) | 8.5109% | 2,774 |
| Efficiency ratio | 61.4909% | 3,958 |
| Assets per employee ($millions) | 5.7422% | 1,691 |
| Cash dividends to net income (ytd only)* | 38.4780% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 3,593 |
| Loan loss allowance to noncurrent loans | 1,074.2690% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 4,961 |
| Noncurrent loans to loans | 0.1006% | 4,662 |
| Net loans and leases to total assets | 54.2155% | 4,397 |
| Net loans and leases to deposits | 61.2877% | 4,569 |
| Net loans and leases to core deposits | 74.3117% | 3,947 |
| Total domestic deposits to total assets | 88.4607% | 1,146 |
| Equity capital to assets | 9.9726% | 3,940 |
| Core capital (leverage) ratio | 9.8565% | 3,745 |
| Tier 1 risk-based capital ratio | 15.4181% | 2,740 |
| Total risk-based capital ratio | 16.3310% | 2,813 |
| Memoranda: | ||
| Average total assets | $314,940,750 | 2,109 |
| Average earning assets | $299,289,500 | 2,059 |
| Average equity | $29,759,000 | 2,387 |
| Average total loans | $173,558,500 | 2,404 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7361% | 4,116 |
| Cost of funding earning assets | 0.5196% | 2,018 |
| Net interest margin | 3.2165% | 4,361 |
| Noninterest income to average assets | 0.3544% | 4,024 |
| Noninterest expense to average assets | 2.0761% | 4,816 |
| Loan and lease loss provision to assets | 0.2053% | 880 |
| Net operating income to assets | 0.9628% | 2,597 |
| Return on assets (ROA) | 0.9628% | 2,654 |
| Pretax return on assets | 1.1277% | 3,061 |
| Return on Equity (ROE) | 10.3776% | 1,886 |
| Retained earnings to average equity (ytd only) | 6.2919% | 1,967 |
| Net charge-offs to loans | 0.4429% | 451 |
| Credit loss provision to net charge-offs | 83.9793% | 2,216 |
| Earnings coverage of net charge-offs (x) | 5.4522% | 2,823 |
| Efficiency ratio | 60.8970% | 4,180 |
| Assets per employee ($millions) | 5.7906% | 1,616 |
| Cash dividends to net income (ytd only)* | 39.3701% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0384% | 3,910 |
| Loan loss allowance to noncurrent loans | 722.1774% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 4,886 |
| Noncurrent loans to loans | 0.1438% | 4,546 |
| Net loans and leases to total assets | 53.5925% | 4,431 |
| Net loans and leases to deposits | 59.3924% | 4,676 |
| Net loans and leases to core deposits | 71.3586% | 4,136 |
| Total domestic deposits to total assets | 90.2346% | 452 |
| Equity capital to assets | 9.6166% | 4,298 |
| Core capital (leverage) ratio | 9.6052% | 4,016 |
| Tier 1 risk-based capital ratio | 14.8367% | 3,001 |
| Total risk-based capital ratio | 15.7077% | 3,111 |
| Memoranda: | ||
| Average total assets | $316,561,330 | 2,095 |
| Average earning assets | $300,637,000 | 2,052 |
| Average equity | $29,371,000 | 2,419 |
| Average total loans | $174,762,000 | 2,396 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7370% | 3,985 |
| Cost of funding earning assets | 0.4844% | 2,216 |
| Net interest margin | 3.2527% | 4,164 |
| Noninterest income to average assets | 0.3587% | 3,968 |
| Noninterest expense to average assets | 2.0520% | 4,936 |
| Loan and lease loss provision to assets | 0.3169% | 399 |
| Net operating income to assets | 0.9278% | 2,628 |
| Return on assets (ROA) | 0.9278% | 2,682 |
| Pretax return on assets | 1.0710% | 3,088 |
| Return on Equity (ROE) | 10.1868% | 1,884 |
| Retained earnings to average equity (ytd only) | 6.0119% | 2,325 |
| Net charge-offs to loans | 0.8891% | 190 |
| Credit loss provision to net charge-offs | 63.9386% | 1,878 |
| Earnings coverage of net charge-offs (x) | 2.8005% | 2,548 |
| Efficiency ratio | 59.6536% | 4,505 |
| Assets per employee ($millions) | 5.9857% | 1,517 |
| Cash dividends to net income (ytd only)* | 40.9836% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 4,366 |
| Loan loss allowance to noncurrent loans | 201.8868% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.2724% | 4,119 |
| Noncurrent loans to loans | 0.4879% | 3,343 |
| Net loans and leases to total assets | 55.2871% | 4,226 |
| Net loans and leases to deposits | 61.3061% | 4,474 |
| Net loans and leases to core deposits | 74.3402% | 3,803 |
| Total domestic deposits to total assets | 90.1821% | 582 |
| Equity capital to assets | 9.4080% | 4,381 |
| Core capital (leverage) ratio | 9.4959% | 4,125 |
| Tier 1 risk-based capital ratio | 14.4893% | 3,207 |
| Total risk-based capital ratio | 15.3157% | 3,354 |
| Memoranda: | ||
| Average total assets | $315,601,500 | 2,119 |
| Average earning assets | $298,955,000 | 2,077 |
| Average equity | $28,743,000 | 2,462 |
| Average total loans | $175,906,500 | 2,397 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8549% | 3,725 |
| Cost of funding earning assets | 0.4231% | 2,778 |
| Net interest margin | 3.4318% | 3,702 |
| Noninterest income to average assets | 0.3392% | 4,312 |
| Noninterest expense to average assets | 2.1984% | 4,775 |
| Loan and lease loss provision to assets | 0.3321% | 535 |
| Net operating income to assets | 0.8573% | 3,039 |
| Return on assets (ROA) | 1.0945% | 2,018 |
| Pretax return on assets | 1.3576% | 2,071 |
| Return on Equity (ROE) | 11.5647% | 1,376 |
| Retained earnings to average equity (ytd only) | 7.4565% | 1,053 |
| Net charge-offs to loans | 0.7921% | 256 |
| Credit loss provision to net charge-offs | 75.4231% | 3,049 |
| Earnings coverage of net charge-offs (x) | 3.1722% | 3,712 |
| Efficiency ratio | 61.1482% | 4,390 |
| Assets per employee ($millions) | 5.8172% | 1,606 |
| Cash dividends to net income (ytd only)* | 35.5240% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 4,068 |
| Loan loss allowance to noncurrent loans | 154.0316% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 3,769 |
| Noncurrent loans to loans | 0.6758% | 2,840 |
| Net loans and leases to total assets | 55.0602% | 4,342 |
| Net loans and leases to deposits | 62.0233% | 4,544 |
| Net loans and leases to core deposits | 74.2114% | 3,905 |
| Total domestic deposits to total assets | 88.7734% | 1,216 |
| Equity capital to assets | 8.8149% | 4,999 |
| Core capital (leverage) ratio | 9.6047% | 3,961 |
| Tier 1 risk-based capital ratio | 13.9580% | 3,483 |
| Total risk-based capital ratio | 14.8322% | 3,624 |
| Memoranda: | ||
| Average total assets | $308,626,600 | 2,119 |
| Average earning assets | $292,819,000 | 2,083 |
| Average equity | $29,209,600 | 2,430 |
| Average total loans | $171,564,000 | 2,398 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8893% | 3,622 |
| Cost of funding earning assets | 0.4221% | 2,822 |
| Net interest margin | 3.4673% | 3,604 |
| Noninterest income to average assets | 0.3392% | 4,354 |
| Noninterest expense to average assets | 2.2555% | 4,637 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0912% | 2,034 |
| Return on assets (ROA) | 1.1859% | 1,789 |
| Pretax return on assets | 1.4990% | 1,714 |
| Return on Equity (ROE) | 12.3097% | 1,229 |
| Retained earnings to average equity (ytd only) | 8.2366% | 1,071 |
| Net charge-offs to loans | -0.0031% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0561% | 4,221 |
| Assets per employee ($millions) | 5.4633% | 1,887 |
| Cash dividends to net income (ytd only)* | 33.0882% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 2,832 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 56.6069% | 4,239 |
| Net loans and leases to deposits | 63.4012% | 4,531 |
| Net loans and leases to core deposits | 77.6051% | 3,700 |
| Total domestic deposits to total assets | 89.2836% | 762 |
| Equity capital to assets | 10.1929% | 3,926 |
| Core capital (leverage) ratio | 9.6026% | 4,056 |
| Tier 1 risk-based capital ratio | 14.5279% | 3,276 |
| Total risk-based capital ratio | 15.6174% | 3,286 |
| Memoranda: | ||
| Average total assets | $305,796,750 | 2,140 |
| Average earning assets | $290,635,750 | 2,099 |
| Average equity | $29,461,250 | 2,409 |
| Average total loans | $169,951,000 | 2,417 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8557% | 3,757 |
| Cost of funding earning assets | 0.4176% | 2,858 |
| Net interest margin | 3.4381% | 3,733 |
| Noninterest income to average assets | 0.3303% | 4,415 |
| Noninterest expense to average assets | 2.2590% | 4,714 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0464% | 2,202 |
| Return on assets (ROA) | 1.1646% | 1,826 |
| Pretax return on assets | 1.4885% | 1,708 |
| Return on Equity (ROE) | 12.3210% | 1,206 |
| Retained earnings to average equity (ytd only) | 8.1934% | 1,108 |
| Net charge-offs to loans | -0.0012% | 4,324 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8210% | 4,200 |
| Assets per employee ($millions) | 5.3991% | 1,885 |
| Cash dividends to net income (ytd only)* | 33.5008% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 3,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 56.7514% | 4,227 |
| Net loans and leases to deposits | 63.7485% | 4,510 |
| Net loans and leases to core deposits | 78.7173% | 3,582 |
| Total domestic deposits to total assets | 89.0240% | 908 |
| Equity capital to assets | 10.0248% | 4,197 |
| Core capital (leverage) ratio | 9.2697% | 4,497 |
| Tier 1 risk-based capital ratio | 14.2686% | 3,457 |
| Total risk-based capital ratio | 15.3603% | 3,453 |
| Memoranda: | ||
| Average total assets | $307,568,000 | 2,135 |
| Average earning assets | $292,142,330 | 2,103 |
| Average equity | $29,072,330 | 2,448 |
| Average total loans | $169,173,000 | 2,426 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8139% | 3,895 |
| Cost of funding earning assets | 0.4065% | 3,000 |
| Net interest margin | 3.4074% | 3,850 |
| Noninterest income to average assets | 0.3288% | 4,376 |
| Noninterest expense to average assets | 2.1884% | 4,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0421% | 2,112 |
| Return on assets (ROA) | 1.1078% | 1,975 |
| Pretax return on assets | 1.4585% | 1,724 |
| Return on Equity (ROE) | 12.0758% | 1,295 |
| Retained earnings to average equity (ytd only) | 7.8584% | 1,520 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4632% | 4,534 |
| Assets per employee ($millions) | 5.8300% | 1,553 |
| Cash dividends to net income (ytd only)* | 34.9243% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 2,805 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 52.9541% | 4,540 |
| Net loans and leases to deposits | 60.0246% | 4,715 |
| Net loans and leases to core deposits | 73.8452% | 3,914 |
| Total domestic deposits to total assets | 88.2207% | 1,518 |
| Equity capital to assets | 9.3786% | 4,798 |
| Core capital (leverage) ratio | 8.9318% | 4,936 |
| Tier 1 risk-based capital ratio | 14.2738% | 3,511 |
| Total risk-based capital ratio | 15.3901% | 3,527 |
| Memoranda: | ||
| Average total assets | $310,177,000 | 2,130 |
| Average earning assets | $294,187,500 | 2,097 |
| Average equity | $28,453,500 | 2,487 |
| Average total loans | $166,871,500 | 2,443 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7422% | 4,225 |
| Cost of funding earning assets | 0.4211% | 2,929 |
| Net interest margin | 3.3211% | 4,207 |
| Noninterest income to average assets | 0.3854% | 4,156 |
| Noninterest expense to average assets | 2.2081% | 5,036 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9694% | 2,526 |
| Return on assets (ROA) | 0.9715% | 2,587 |
| Pretax return on assets | 1.3222% | 2,192 |
| Return on Equity (ROE) | 11.0825% | 1,586 |
| Retained earnings to average equity (ytd only) | 6.6421% | 1,471 |
| Net charge-offs to loans | -0.0050% | 4,977 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5989% | 4,517 |
| Assets per employee ($millions) | 5.6611% | 1,647 |
| Cash dividends to net income (ytd only)* | 40.0668% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 2,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 53.2323% | 4,568 |
| Net loans and leases to deposits | 58.6359% | 4,876 |
| Net loans and leases to core deposits | 62.3352% | 4,856 |
| Total domestic deposits to total assets | 90.7844% | 342 |
| Equity capital to assets | 8.9696% | 5,154 |
| Core capital (leverage) ratio | 9.1046% | 4,750 |
| Tier 1 risk-based capital ratio | 13.9352% | 3,749 |
| Total risk-based capital ratio | 15.0472% | 3,755 |
| Memoranda: | ||
| Average total assets | $308,280,200 | 2,103 |
| Average earning assets | $291,647,600 | 2,067 |
| Average equity | $27,024,600 | 2,547 |
| Average total loans | $161,148,600 | 2,452 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7286% | 4,332 |
| Cost of funding earning assets | 0.4290% | 2,919 |
| Net interest margin | 3.2996% | 4,341 |
| Noninterest income to average assets | 0.3395% | 4,511 |
| Noninterest expense to average assets | 2.1995% | 5,054 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9354% | 2,778 |
| Return on assets (ROA) | 0.9383% | 2,865 |
| Pretax return on assets | 1.2656% | 2,528 |
| Return on Equity (ROE) | 10.7664% | 1,799 |
| Retained earnings to average equity (ytd only) | 6.2887% | 2,069 |
| Net charge-offs to loans | -0.0025% | 4,728 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5475% | 4,327 |
| Assets per employee ($millions) | 5.3969% | 1,870 |
| Cash dividends to net income (ytd only)* | 41.5897% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 3,056 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 55.5695% | 4,404 |
| Net loans and leases to deposits | 62.3997% | 4,688 |
| Net loans and leases to core deposits | 77.4371% | 3,656 |
| Total domestic deposits to total assets | 89.0541% | 1,007 |
| Equity capital to assets | 9.3127% | 4,990 |
| Core capital (leverage) ratio | 8.8960% | 5,124 |
| Tier 1 risk-based capital ratio | 13.7304% | 4,004 |
| Total risk-based capital ratio | 14.8452% | 4,014 |
| Memoranda: | ||
| Average total assets | $307,509,750 | 2,120 |
| Average earning assets | $290,935,250 | 2,086 |
| Average equity | $26,798,750 | 2,579 |
| Average total loans | $159,452,750 | 2,481 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6328% | 4,630 |
| Cost of funding earning assets | 0.4328% | 2,913 |
| Net interest margin | 3.2000% | 4,663 |
| Noninterest income to average assets | 0.3208% | 4,660 |
| Noninterest expense to average assets | 2.1449% | 5,239 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8996% | 2,879 |
| Return on assets (ROA) | 0.9040% | 2,978 |
| Pretax return on assets | 1.2100% | 2,731 |
| Return on Equity (ROE) | 10.6044% | 1,809 |
| Retained earnings to average equity (ytd only) | 6.0790% | 2,187 |
| Net charge-offs to loans | -0.0076% | 4,857 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0430% | 4,355 |
| Assets per employee ($millions) | 5.6751% | 1,593 |
| Cash dividends to net income (ytd only)* | 42.6743% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 2,989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 51.1607% | 4,829 |
| Net loans and leases to deposits | 59.1976% | 4,917 |
| Net loans and leases to core deposits | 72.9669% | 4,045 |
| Total domestic deposits to total assets | 86.4236% | 2,476 |
| Equity capital to assets | 8.5519% | 5,640 |
| Core capital (leverage) ratio | 8.4121% | 5,621 |
| Tier 1 risk-based capital ratio | 13.4622% | 4,242 |
| Total risk-based capital ratio | 14.5756% | 4,257 |
| Memoranda: | ||
| Average total assets | $311,069,000 | 2,116 |
| Average earning assets | $294,374,330 | 2,075 |
| Average equity | $26,517,330 | 2,613 |
| Average total loans | $156,893,670 | 2,526 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6154% | 4,638 |
| Cost of funding earning assets | 0.4332% | 2,940 |
| Net interest margin | 3.1822% | 4,672 |
| Noninterest income to average assets | 0.3079% | 4,725 |
| Noninterest expense to average assets | 2.1640% | 5,243 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8682% | 2,913 |
| Return on assets (ROA) | 0.8682% | 3,030 |
| Pretax return on assets | 1.1528% | 2,857 |
| Return on Equity (ROE) | 10.2007% | 1,914 |
| Retained earnings to average equity (ytd only) | 5.6603% | 2,677 |
| Net charge-offs to loans | -0.0130% | 4,842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2427% | 4,282 |
| Assets per employee ($millions) | 5.7772% | 1,569 |
| Cash dividends to net income (ytd only)* | 44.5104% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 2,692 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 47.6772% | 5,068 |
| Net loans and leases to deposits | 55.2814% | 5,103 |
| Net loans and leases to core deposits | 67.6268% | 4,370 |
| Total domestic deposits to total assets | 86.2446% | 2,800 |
| Equity capital to assets | 8.6120% | 5,652 |
| Core capital (leverage) ratio | 8.1946% | 5,810 |
| Tier 1 risk-based capital ratio | 13.8339% | 4,126 |
| Total risk-based capital ratio | 14.9966% | 4,105 |
| Memoranda: | ||
| Average total assets | $310,538,500 | 2,130 |
| Average earning assets | $293,630,000 | 2,093 |
| Average equity | $26,429,500 | 2,631 |
| Average total loans | $154,404,000 | 2,562 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7818% | 4,546 |
| Cost of funding earning assets | 0.4790% | 2,888 |
| Net interest margin | 3.3028% | 4,546 |
| Noninterest income to average assets | 0.3670% | 4,450 |
| Noninterest expense to average assets | 2.2733% | 5,180 |
| Loan and lease loss provision to assets | -0.0421% | 6,005 |
| Net operating income to assets | 0.9612% | 2,576 |
| Return on assets (ROA) | 0.9625% | 2,652 |
| Pretax return on assets | 1.2458% | 2,462 |
| Return on Equity (ROE) | 11.5957% | 1,527 |
| Retained earnings to average equity (ytd only) | 6.7321% | 1,526 |
| Net charge-offs to loans | 0.0041% | 4,867 |
| Credit loss provision to net charge-offs | -2,083.3333% | 5,982 |
| Earnings coverage of net charge-offs (x) | 595.5000% | 87 |
| Efficiency ratio | 65.4114% | 4,338 |
| Assets per employee ($millions) | 5.4229% | 1,835 |
| Cash dividends to net income (ytd only)* | 41.9434% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 3,046 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 50.3730% | 4,935 |
| Net loans and leases to deposits | 58.1672% | 5,053 |
| Net loans and leases to core deposits | 70.3441% | 4,295 |
| Total domestic deposits to total assets | 86.6004% | 2,509 |
| Equity capital to assets | 8.4088% | 5,820 |
| Core capital (leverage) ratio | 8.4988% | 5,561 |
| Tier 1 risk-based capital ratio | 13.3522% | 4,505 |
| Total risk-based capital ratio | 14.4882% | 4,489 |
| Memoranda: | ||
| Average total assets | $297,237,600 | 2,168 |
| Average earning assets | $279,735,800 | 2,133 |
| Average equity | $24,673,000 | 2,699 |
| Average total loans | $146,030,800 | 2,625 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8013% | 4,541 |
| Cost of funding earning assets | 0.4897% | 2,865 |
| Net interest margin | 3.3116% | 4,562 |
| Noninterest income to average assets | 0.3579% | 4,572 |
| Noninterest expense to average assets | 2.2976% | 5,115 |
| Loan and lease loss provision to assets | -0.0566% | 6,207 |
| Net operating income to assets | 0.9597% | 2,644 |
| Return on assets (ROA) | 0.9614% | 2,710 |
| Pretax return on assets | 1.2292% | 2,656 |
| Return on Equity (ROE) | 11.6224% | 1,586 |
| Retained earnings to average equity (ytd only) | 6.6930% | 1,984 |
| Net charge-offs to loans | 0.0075% | 4,452 |
| Credit loss provision to net charge-offs | -1,562.5000% | 5,936 |
| Earnings coverage of net charge-offs (x) | 322.7657% | 220 |
| Efficiency ratio | 66.2529% | 4,178 |
| Assets per employee ($millions) | 5.5997% | 1,637 |
| Cash dividends to net income (ytd only)* | 42.4129% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 2,992 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 49.2615% | 5,082 |
| Net loans and leases to deposits | 58.8308% | 5,030 |
| Net loans and leases to core deposits | 71.0872% | 4,238 |
| Total domestic deposits to total assets | 83.7343% | 3,863 |
| Equity capital to assets | 8.4026% | 5,872 |
| Core capital (leverage) ratio | 8.3375% | 5,816 |
| Tier 1 risk-based capital ratio | 13.3994% | 4,605 |
| Total risk-based capital ratio | 14.5582% | 4,606 |
| Memoranda: | ||
| Average total assets | $294,270,500 | 2,200 |
| Average earning assets | $276,358,250 | 2,169 |
| Average equity | $24,343,250 | 2,731 |
| Average total loans | $143,067,250 | 2,685 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7177% | 4,805 |
| Cost of funding earning assets | 0.4990% | 2,843 |
| Net interest margin | 3.2187% | 4,879 |
| Noninterest income to average assets | 0.3505% | 4,623 |
| Noninterest expense to average assets | 2.3446% | 5,043 |
| Loan and lease loss provision to assets | -0.0857% | 6,356 |
| Net operating income to assets | 0.8835% | 2,893 |
| Return on assets (ROA) | 0.8862% | 2,972 |
| Pretax return on assets | 1.1174% | 3,021 |
| Return on Equity (ROE) | 10.7719% | 1,819 |
| Retained earnings to average equity (ytd only) | 5.7695% | 2,472 |
| Net charge-offs to loans | 0.0142% | 3,950 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,754 |
| Earnings coverage of net charge-offs (x) | 149.9000% | 411 |
| Efficiency ratio | 69.5139% | 3,735 |
| Assets per employee ($millions) | 5.5862% | 1,621 |
| Cash dividends to net income (ytd only)* | 46.4396% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4929% | 2,936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 47.5769% | 5,210 |
| Net loans and leases to deposits | 55.9184% | 5,195 |
| Net loans and leases to core deposits | 67.1282% | 4,542 |
| Total domestic deposits to total assets | 85.0826% | 3,463 |
| Equity capital to assets | 8.2618% | 5,974 |
| Core capital (leverage) ratio | 8.3101% | 5,837 |
| Tier 1 risk-based capital ratio | 13.6279% | 4,504 |
| Total risk-based capital ratio | 14.8307% | 4,476 |
| Memoranda: | ||
| Average total assets | $291,566,000 | 2,216 |
| Average earning assets | $273,772,000 | 2,185 |
| Average equity | $23,988,330 | 2,756 |
| Average total loans | $140,377,670 | 2,722 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7444% | 4,690 |
| Cost of funding earning assets | 0.5019% | 2,887 |
| Net interest margin | 3.2425% | 4,767 |
| Noninterest income to average assets | 0.3462% | 4,603 |
| Noninterest expense to average assets | 2.2979% | 5,198 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8697% | 2,794 |
| Return on assets (ROA) | 0.8697% | 2,862 |
| Pretax return on assets | 1.0875% | 2,966 |
| Return on Equity (ROE) | 10.5946% | 1,826 |
| Retained earnings to average equity (ytd only) | 5.4928% | 2,792 |
| Net charge-offs to loans | 0.0116% | 3,388 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 194.7500% | 249 |
| Efficiency ratio | 67.8763% | 4,203 |
| Assets per employee ($millions) | 5.5169% | 1,693 |
| Cash dividends to net income (ytd only)* | 48.1541% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7026% | 2,344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 45.5316% | 5,382 |
| Net loans and leases to deposits | 52.5964% | 5,418 |
| Net loans and leases to core deposits | 62.8137% | 4,805 |
| Total domestic deposits to total assets | 86.5679% | 3,069 |
| Equity capital to assets | 8.1971% | 5,908 |
| Core capital (leverage) ratio | 8.3140% | 5,833 |
| Tier 1 risk-based capital ratio | 14.2811% | 4,143 |
| Total risk-based capital ratio | 15.5325% | 4,091 |
| Memoranda: | ||
| Average total assets | $286,521,500 | 2,258 |
| Average earning assets | $268,558,500 | 2,230 |
| Average equity | $23,521,500 | 2,792 |
| Average total loans | $137,720,000 | 2,766 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9166% | 4,400 |
| Cost of funding earning assets | 0.5440% | 3,163 |
| Net interest margin | 3.3725% | 4,395 |
| Noninterest income to average assets | 0.4283% | 4,244 |
| Noninterest expense to average assets | 2.3404% | 5,257 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9820% | 2,410 |
| Return on assets (ROA) | 0.9829% | 2,474 |
| Pretax return on assets | 1.2442% | 2,395 |
| Return on Equity (ROE) | 11.6479% | 1,535 |
| Retained earnings to average equity (ytd only) | 6.4996% | 1,688 |
| Net charge-offs to loans | 0.0196% | 5,046 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 127.1852% | 367 |
| Efficiency ratio | 65.3096% | 4,684 |
| Assets per employee ($millions) | 5.1027% | 2,067 |
| Cash dividends to net income (ytd only)* | 44.1989% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6500% | 2,566 |
| Loan loss allowance to noncurrent loans | 17,769.2308% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 6,427 |
| Noncurrent loans to loans | 0.0093% | 6,264 |
| Net loans and leases to total assets | 49.0622% | 5,187 |
| Net loans and leases to deposits | 56.8555% | 5,224 |
| Net loans and leases to core deposits | 68.4737% | 4,454 |
| Total domestic deposits to total assets | 86.2927% | 3,116 |
| Equity capital to assets | 8.2221% | 5,855 |
| Core capital (leverage) ratio | 8.7445% | 5,364 |
| Tier 1 risk-based capital ratio | 13.8969% | 4,367 |
| Total risk-based capital ratio | 15.1478% | 4,308 |
| Memoranda: | ||
| Average total assets | $276,232,800 | 2,303 |
| Average earning assets | $258,440,800 | 2,258 |
| Average equity | $23,309,000 | 2,786 |
| Average total loans | $137,622,000 | 2,740 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9006% | 4,502 |
| Cost of funding earning assets | 0.5478% | 3,283 |
| Net interest margin | 3.3528% | 4,452 |
| Noninterest income to average assets | 0.4395% | 4,223 |
| Noninterest expense to average assets | 2.3838% | 5,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9535% | 2,570 |
| Return on assets (ROA) | 0.9547% | 2,671 |
| Pretax return on assets | 1.1950% | 2,715 |
| Return on Equity (ROE) | 11.2404% | 1,738 |
| Retained earnings to average equity (ytd only) | 6.1052% | 2,343 |
| Net charge-offs to loans | 0.0321% | 4,493 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 74.6345% | 632 |
| Efficiency ratio | 66.6351% | 4,364 |
| Assets per employee ($millions) | 5.2841% | 1,851 |
| Cash dividends to net income (ytd only)* | 45.6853% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6672% | 2,741 |
| Loan loss allowance to noncurrent loans | 17,723.0769% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 6,507 |
| Noncurrent loans to loans | 0.0094% | 6,349 |
| Net loans and leases to total assets | 49.4565% | 5,197 |
| Net loans and leases to deposits | 58.7823% | 5,103 |
| Net loans and leases to core deposits | 71.2681% | 4,184 |
| Total domestic deposits to total assets | 84.1350% | 4,135 |
| Equity capital to assets | 8.3388% | 5,883 |
| Core capital (leverage) ratio | 8.5546% | 5,716 |
| Tier 1 risk-based capital ratio | 13.9632% | 4,460 |
| Total risk-based capital ratio | 14.9945% | 4,560 |
| Memoranda: | ||
| Average total assets | $275,129,500 | 2,312 |
| Average earning assets | $257,492,500 | 2,271 |
| Average equity | $23,367,500 | 2,812 |
| Average total loans | $137,027,250 | 2,759 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8565% | 4,632 |
| Cost of funding earning assets | 0.5499% | 3,415 |
| Net interest margin | 3.3065% | 4,556 |
| Noninterest income to average assets | 0.4607% | 4,089 |
| Noninterest expense to average assets | 2.3673% | 5,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9501% | 2,573 |
| Return on assets (ROA) | 0.9519% | 2,708 |
| Pretax return on assets | 1.1887% | 2,724 |
| Return on Equity (ROE) | 11.1399% | 1,772 |
| Retained earnings to average equity (ytd only) | 6.0377% | 2,416 |
| Net charge-offs to loans | 0.0585% | 3,863 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 40.8250% | 917 |
| Efficiency ratio | 66.6121% | 4,430 |
| Assets per employee ($millions) | 5.0858% | 2,013 |
| Cash dividends to net income (ytd only)* | 45.8015% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6819% | 2,849 |
| Loan loss allowance to noncurrent loans | 16,407.1429% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 6,552 |
| Noncurrent loans to loans | 0.0103% | 6,405 |
| Net loans and leases to total assets | 48.8925% | 5,236 |
| Net loans and leases to deposits | 57.2140% | 5,223 |
| Net loans and leases to core deposits | 67.7842% | 4,519 |
| Total domestic deposits to total assets | 85.4555% | 3,666 |
| Equity capital to assets | 8.0293% | 6,178 |
| Core capital (leverage) ratio | 8.2558% | 5,949 |
| Tier 1 risk-based capital ratio | 13.7105% | 4,636 |
| Total risk-based capital ratio | 14.9621% | 4,599 |
| Memoranda: | ||
| Average total assets | $275,247,670 | 2,322 |
| Average earning assets | $257,490,330 | 2,286 |
| Average equity | $23,519,000 | 2,819 |
| Average total loans | $136,637,000 | 2,765 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7866% | 4,869 |
| Cost of funding earning assets | 0.5538% | 3,535 |
| Net interest margin | 3.2328% | 4,792 |
| Noninterest income to average assets | 0.5066% | 3,731 |
| Noninterest expense to average assets | 2.4039% | 5,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9116% | 2,597 |
| Return on assets (ROA) | 0.9116% | 2,746 |
| Pretax return on assets | 1.1279% | 2,852 |
| Return on Equity (ROE) | 10.3575% | 1,928 |
| Retained earnings to average equity (ytd only) | 5.4096% | 3,001 |
| Net charge-offs to loans | 0.1580% | 2,456 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 14.3889% | 1,454 |
| Efficiency ratio | 68.0641% | 4,293 |
| Assets per employee ($millions) | 5.1725% | 2,012 |
| Cash dividends to net income (ytd only)* | 47.7707% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6994% | 3,011 |
| Loan loss allowance to noncurrent loans | 123.8069% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.6602% | 4,724 |
| Noncurrent loans to loans | 1.3726% | 3,509 |
| Net loans and leases to total assets | 47.2810% | 5,307 |
| Net loans and leases to deposits | 55.3698% | 5,313 |
| Net loans and leases to core deposits | 65.9143% | 4,544 |
| Total domestic deposits to total assets | 85.3913% | 3,849 |
| Equity capital to assets | 8.6713% | 5,842 |
| Core capital (leverage) ratio | 8.0535% | 6,092 |
| Tier 1 risk-based capital ratio | 13.7465% | 4,696 |
| Total risk-based capital ratio | 14.9978% | 4,655 |
| Memoranda: | ||
| Average total assets | $275,555,000 | 2,338 |
| Average earning assets | $257,855,000 | 2,305 |
| Average equity | $24,253,000 | 2,782 |
| Average total loans | $136,669,500 | 2,780 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1561% | 4,750 |
| Cost of funding earning assets | 0.5941% | 4,406 |
| Net interest margin | 3.5620% | 4,256 |
| Noninterest income to average assets | 0.5291% | 3,716 |
| Noninterest expense to average assets | 2.5746% | 4,843 |
| Loan and lease loss provision to assets | 0.2787% | 2,424 |
| Net operating income to assets | 0.7732% | 3,400 |
| Return on assets (ROA) | 1.0485% | 2,326 |
| Pretax return on assets | 1.3515% | 2,203 |
| Return on Equity (ROE) | 11.4801% | 1,663 |
| Retained earnings to average equity (ytd only) | 6.3948% | 1,875 |
| Net charge-offs to loans | 0.2414% | 3,495 |
| Credit loss provision to net charge-offs | 227.8481% | 1,085 |
| Earnings coverage of net charge-offs (x) | 10.4430% | 2,141 |
| Efficiency ratio | 66.8408% | 4,354 |
| Assets per employee ($millions) | 4.8535% | 2,412 |
| Cash dividends to net income (ytd only)* | 44.2968% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6814% | 3,000 |
| Loan loss allowance to noncurrent loans | 111.8717% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.7686% | 4,541 |
| Noncurrent loans to loans | 1.5029% | 3,349 |
| Net loans and leases to total assets | 50.2791% | 5,129 |
| Net loans and leases to deposits | 59.1684% | 5,114 |
| Net loans and leases to core deposits | 71.9956% | 4,047 |
| Total domestic deposits to total assets | 84.9763% | 3,873 |
| Equity capital to assets | 8.9353% | 5,598 |
| Core capital (leverage) ratio | 8.5125% | 5,589 |
| Tier 1 risk-based capital ratio | 13.4715% | 4,772 |
| Total risk-based capital ratio | 14.7234% | 4,728 |
| Memoranda: | ||
| Average total assets | $258,373,000 | 2,453 |
| Average earning assets | $241,016,800 | 2,400 |
| Average equity | $23,597,400 | 2,788 |
| Average total loans | $130,885,800 | 2,872 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 4,888 |
| Cost of funding earning assets | 0.6023% | 4,622 |
| Net interest margin | 3.5776% | 4,330 |
| Noninterest income to average assets | 0.4559% | 4,241 |
| Noninterest expense to average assets | 2.5964% | 4,755 |
| Loan and lease loss provision to assets | 0.3764% | 1,715 |
| Net operating income to assets | 0.6488% | 4,147 |
| Return on assets (ROA) | 0.9793% | 2,841 |
| Pretax return on assets | 1.2428% | 2,814 |
| Return on Equity (ROE) | 10.6606% | 2,075 |
| Retained earnings to average equity (ytd only) | 5.5380% | 3,014 |
| Net charge-offs to loans | 0.3477% | 2,712 |
| Credit loss provision to net charge-offs | 214.2857% | 1,297 |
| Earnings coverage of net charge-offs (x) | 6.8363% | 2,703 |
| Efficiency ratio | 68.3740% | 3,989 |
| Assets per employee ($millions) | 4.6880% | 2,615 |
| Cash dividends to net income (ytd only)* | 48.0513% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6220% | 3,440 |
| Loan loss allowance to noncurrent loans | 110.6495% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.7836% | 4,746 |
| Noncurrent loans to loans | 1.4659% | 3,590 |
| Net loans and leases to total assets | 52.5893% | 4,971 |
| Net loans and leases to deposits | 65.8269% | 4,490 |
| Net loans and leases to core deposits | 81.7565% | 2,997 |
| Total domestic deposits to total assets | 79.8902% | 5,681 |
| Equity capital to assets | 9.0087% | 5,818 |
| Core capital (leverage) ratio | 8.1225% | 6,210 |
| Tier 1 risk-based capital ratio | 13.1184% | 5,155 |
| Total risk-based capital ratio | 14.3703% | 5,111 |
| Memoranda: | ||
| Average total assets | $255,017,000 | 2,506 |
| Average earning assets | $238,176,500 | 2,457 |
| Average equity | $23,425,250 | 2,829 |
| Average total loans | $128,858,750 | 2,942 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1220% | 5,237 |
| Cost of funding earning assets | 0.6101% | 4,811 |
| Net interest margin | 3.5119% | 4,619 |
| Noninterest income to average assets | 0.4551% | 4,253 |
| Noninterest expense to average assets | 2.6117% | 4,735 |
| Loan and lease loss provision to assets | 0.3347% | 1,969 |
| Net operating income to assets | 0.6276% | 4,241 |
| Return on assets (ROA) | 0.9500% | 2,917 |
| Pretax return on assets | 1.1971% | 2,941 |
| Return on Equity (ROE) | 10.2717% | 2,254 |
| Retained earnings to average equity (ytd only) | 5.1014% | 3,224 |
| Net charge-offs to loans | 0.5636% | 1,908 |
| Credit loss provision to net charge-offs | 120.0000% | 2,288 |
| Earnings coverage of net charge-offs (x) | 4.0286% | 3,193 |
| Efficiency ratio | 69.9168% | 3,782 |
| Assets per employee ($millions) | 4.5275% | 2,849 |
| Cash dividends to net income (ytd only)* | 50.3356% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 3,793 |
| Loan loss allowance to noncurrent loans | 104.9240% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.7397% | 4,946 |
| Noncurrent loans to loans | 1.4754% | 3,698 |
| Net loans and leases to total assets | 49.3606% | 5,436 |
| Net loans and leases to deposits | 57.0122% | 5,550 |
| Net loans and leases to core deposits | 69.6192% | 4,576 |
| Total domestic deposits to total assets | 86.5790% | 3,024 |
| Equity capital to assets | 9.0779% | 5,606 |
| Core capital (leverage) ratio | 8.3298% | 5,870 |
| Tier 1 risk-based capital ratio | 13.8111% | 4,589 |
| Total risk-based capital ratio | 15.0613% | 4,562 |
| Memoranda: | ||
| Average total assets | $250,950,000 | 2,542 |
| Average earning assets | $234,402,330 | 2,481 |
| Average equity | $23,209,330 | 2,834 |
| Average total loans | $124,196,670 | 3,042 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1035% | 5,443 |
| Cost of funding earning assets | 0.6640% | 4,593 |
| Net interest margin | 3.4395% | 4,961 |
| Noninterest income to average assets | 0.4155% | 4,554 |
| Noninterest expense to average assets | 2.6500% | 4,622 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7748% | 3,507 |
| Return on assets (ROA) | 0.9184% | 3,049 |
| Pretax return on assets | 1.1528% | 3,101 |
| Return on Equity (ROE) | 9.8353% | 2,463 |
| Retained earnings to average equity (ytd only) | 4.6406% | 3,786 |
| Net charge-offs to loans | -0.0888% | 6,744 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1370% | 3,236 |
| Assets per employee ($millions) | 4.4478% | 3,086 |
| Cash dividends to net income (ytd only)* | 52.8169% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6297% | 3,608 |
| Loan loss allowance to noncurrent loans | 85.2916% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.9979% | 4,501 |
| Noncurrent loans to loans | 1.9108% | 3,271 |
| Net loans and leases to total assets | 46.6646% | 5,709 |
| Net loans and leases to deposits | 53.3393% | 5,878 |
| Net loans and leases to core deposits | 64.3868% | 5,069 |
| Total domestic deposits to total assets | 87.4863% | 2,662 |
| Equity capital to assets | 9.1957% | 5,240 |
| Core capital (leverage) ratio | 8.3705% | 5,777 |
| Tier 1 risk-based capital ratio | 14.2938% | 4,241 |
| Total risk-based capital ratio | 15.5441% | 4,218 |
| Memoranda: | ||
| Average total assets | $247,392,000 | 2,585 |
| Average earning assets | $230,731,000 | 2,528 |
| Average equity | $23,100,500 | 2,844 |
| Average total loans | $121,602,000 | 3,115 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4333% | 5,297 |
| Cost of funding earning assets | 0.7287% | 5,347 |
| Net interest margin | 3.7046% | 4,277 |
| Noninterest income to average assets | 0.4990% | 3,849 |
| Noninterest expense to average assets | 2.6953% | 4,759 |
| Loan and lease loss provision to assets | 0.0620% | 5,836 |
| Net operating income to assets | 0.9376% | 2,457 |
| Return on assets (ROA) | 0.9608% | 2,488 |
| Pretax return on assets | 1.2107% | 2,421 |
| Return on Equity (ROE) | 10.8730% | 1,737 |
| Retained earnings to average equity (ytd only) | 5.2636% | 2,475 |
| Net charge-offs to loans | -0.0645% | 7,084 |
| Credit loss provision to net charge-offs | -197.3684% | 6,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4321% | 4,270 |
| Assets per employee ($millions) | 4.3083% | 3,232 |
| Cash dividends to net income (ytd only)* | 51.5907% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 3,697 |
| Loan loss allowance to noncurrent loans | 10,173.6842% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 6,645 |
| Noncurrent loans to loans | 0.0155% | 6,798 |
| Net loans and leases to total assets | 50.1554% | 5,559 |
| Net loans and leases to deposits | 57.1007% | 5,790 |
| Net loans and leases to core deposits | 68.7733% | 4,937 |
| Total domestic deposits to total assets | 87.8369% | 2,258 |
| Equity capital to assets | 9.4868% | 4,908 |
| Core capital (leverage) ratio | 8.6259% | 5,347 |
| Tier 1 risk-based capital ratio | 14.1673% | 4,202 |
| Total risk-based capital ratio | 15.4177% | 4,152 |
| Memoranda: | ||
| Average total assets | $242,091,000 | 2,612 |
| Average earning assets | $224,774,400 | 2,556 |
| Average equity | $21,392,400 | 2,966 |
| Average total loans | $117,800,200 | 3,220 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4134% | 5,567 |
| Cost of funding earning assets | 0.7391% | 5,531 |
| Net interest margin | 3.6743% | 4,451 |
| Noninterest income to average assets | 0.5123% | 3,779 |
| Noninterest expense to average assets | 2.6820% | 4,797 |
| Loan and lease loss provision to assets | 0.0825% | 5,409 |
| Net operating income to assets | 0.9229% | 2,660 |
| Return on assets (ROA) | 0.9542% | 2,677 |
| Pretax return on assets | 1.1979% | 2,644 |
| Return on Equity (ROE) | 10.9995% | 1,862 |
| Retained earnings to average equity (ytd only) | 5.2904% | 3,000 |
| Net charge-offs to loans | -0.0767% | 7,124 |
| Credit loss provision to net charge-offs | -223.8806% | 6,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3590% | 4,248 |
| Assets per employee ($millions) | 4.3491% | 3,181 |
| Cash dividends to net income (ytd only)* | 51.9032% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5634% | 3,831 |
| Loan loss allowance to noncurrent loans | 387.9032% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 6,230 |
| Noncurrent loans to loans | 0.4030% | 6,043 |
| Net loans and leases to total assets | 49.7382% | 5,743 |
| Net loans and leases to deposits | 60.8232% | 5,537 |
| Net loans and leases to core deposits | 74.3420% | 4,402 |
| Total domestic deposits to total assets | 81.7751% | 5,169 |
| Equity capital to assets | 9.3861% | 5,257 |
| Core capital (leverage) ratio | 8.3939% | 5,864 |
| Tier 1 risk-based capital ratio | 13.9003% | 4,416 |
| Total risk-based capital ratio | 15.1505% | 4,380 |
| Memoranda: | ||
| Average total assets | $242,298,250 | 2,618 |
| Average earning assets | $224,946,250 | 2,565 |
| Average equity | $21,018,500 | 3,004 |
| Average total loans | $116,515,500 | 3,273 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3630% | 5,813 |
| Cost of funding earning assets | 0.7437% | 5,710 |
| Net interest margin | 3.6193% | 4,649 |
| Noninterest income to average assets | 0.5391% | 3,567 |
| Noninterest expense to average assets | 2.6567% | 4,980 |
| Loan and lease loss provision to assets | 0.1240% | 4,736 |
| Net operating income to assets | 0.9002% | 2,637 |
| Return on assets (ROA) | 0.9029% | 2,732 |
| Pretax return on assets | 1.1179% | 2,778 |
| Return on Equity (ROE) | 10.7034% | 1,897 |
| Retained earnings to average equity (ytd only) | 4.8224% | 3,104 |
| Net charge-offs to loans | 0.0227% | 5,519 |
| Credit loss provision to net charge-offs | 1,153.8462% | 294 |
| Earnings coverage of net charge-offs (x) | 115.2308% | 307 |
| Efficiency ratio | 68.2021% | 4,482 |
| Assets per employee ($millions) | 4.5317% | 2,783 |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6005% | 3,692 |
| Loan loss allowance to noncurrent loans | 354.6154% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.3499% | 6,256 |
| Noncurrent loans to loans | 0.4513% | 6,006 |
| Net loans and leases to total assets | 44.6744% | 6,375 |
| Net loans and leases to deposits | 53.7341% | 6,327 |
| Net loans and leases to core deposits | 66.2857% | 5,477 |
| Total domestic deposits to total assets | 83.1399% | 4,698 |
| Equity capital to assets | 8.5040% | 6,179 |
| Core capital (leverage) ratio | 8.2879% | 5,889 |
| Tier 1 risk-based capital ratio | 14.1420% | 4,066 |
| Total risk-based capital ratio | 15.3922% | 4,037 |
| Memoranda: | ||
| Average total assets | $241,880,670 | 2,636 |
| Average earning assets | $224,297,330 | 2,587 |
| Average equity | $20,404,670 | 3,074 |
| Average total loans | $114,333,330 | 3,352 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4889% | 5,374 |
| Cost of funding earning assets | 0.7790% | 5,678 |
| Net interest margin | 3.7099% | 4,046 |
| Noninterest income to average assets | 0.5374% | 3,599 |
| Noninterest expense to average assets | 2.7228% | 4,742 |
| Loan and lease loss provision to assets | 0.1272% | 4,406 |
| Net operating income to assets | 0.9077% | 2,524 |
| Return on assets (ROA) | 0.9104% | 2,569 |
| Pretax return on assets | 1.1224% | 2,671 |
| Return on Equity (ROE) | 10.8395% | 1,794 |
| Retained earnings to average equity (ytd only) | 4.7839% | 3,312 |
| Net charge-offs to loans | -0.0140% | 6,454 |
| Credit loss provision to net charge-offs | -1,875.0000% | 6,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6032% | 4,535 |
| Assets per employee ($millions) | 4.2314% | 3,394 |
| Cash dividends to net income (ytd only)* | 55.8659% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5920% | 3,766 |
| Loan loss allowance to noncurrent loans | 229.2683% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 5,964 |
| Noncurrent loans to loans | 0.6944% | 5,631 |
| Net loans and leases to total assets | 46.5918% | 6,229 |
| Net loans and leases to deposits | 52.4286% | 6,442 |
| Net loans and leases to core deposits | 63.4746% | 5,782 |
| Total domestic deposits to total assets | 88.8671% | 1,858 |
| Equity capital to assets | 8.4433% | 5,992 |
| Core capital (leverage) ratio | 8.3076% | 5,797 |
| Tier 1 risk-based capital ratio | 14.4724% | 3,756 |
| Total risk-based capital ratio | 15.7226% | 3,715 |
| Memoranda: | ||
| Average total assets | $235,933,000 | 2,721 |
| Average earning assets | $218,228,000 | 2,684 |
| Average equity | $19,816,500 | 3,144 |
| Average total loans | $113,891,500 | 3,389 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9090% | 4,984 |
| Cost of funding earning assets | 0.9322% | 6,024 |
| Net interest margin | 3.9768% | 3,118 |
| Noninterest income to average assets | 0.4629% | 4,421 |
| Noninterest expense to average assets | 2.7983% | 4,615 |
| Loan and lease loss provision to assets | 0.5845% | 2,796 |
| Net operating income to assets | 0.5871% | 3,728 |
| Return on assets (ROA) | 0.9283% | 2,411 |
| Pretax return on assets | 1.1474% | 2,405 |
| Return on Equity (ROE) | 10.7868% | 1,650 |
| Retained earnings to average equity (ytd only) | 4.7494% | 2,576 |
| Net charge-offs to loans | 0.9547% | 2,273 |
| Credit loss provision to net charge-offs | 123.1752% | 3,377 |
| Earnings coverage of net charge-offs (x) | 2.7619% | 3,694 |
| Efficiency ratio | 68.1033% | 4,542 |
| Assets per employee ($millions) | 4.1948% | 3,397 |
| Cash dividends to net income (ytd only)* | 55.9701% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 4,137 |
| Loan loss allowance to noncurrent loans | 282.6159% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.4351% | 6,181 |
| Noncurrent loans to loans | 0.5225% | 5,996 |
| Net loans and leases to total assets | 48.4815% | 6,341 |
| Net loans and leases to deposits | 54.3730% | 6,583 |
| Net loans and leases to core deposits | 66.1025% | 5,867 |
| Total domestic deposits to total assets | 89.1648% | 1,553 |
| Equity capital to assets | 8.3547% | 6,067 |
| Core capital (leverage) ratio | 8.5626% | 5,254 |
| Tier 1 risk-based capital ratio | 14.2777% | 3,691 |
| Total risk-based capital ratio | 15.5085% | 3,661 |
| Memoranda: | ||
| Average total assets | $230,957,800 | 2,744 |
| Average earning assets | $211,752,800 | 2,729 |
| Average equity | $19,876,200 | 3,162 |
| Average total loans | $114,798,400 | 3,430 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0031% | 4,799 |
| Cost of funding earning assets | 0.9659% | 6,098 |
| Net interest margin | 4.0372% | 2,921 |
| Noninterest income to average assets | 0.4290% | 4,726 |
| Noninterest expense to average assets | 2.8183% | 4,407 |
| Loan and lease loss provision to assets | 0.6522% | 2,338 |
| Net operating income to assets | 0.5221% | 4,210 |
| Return on assets (ROA) | 0.9734% | 2,441 |
| Pretax return on assets | 1.2181% | 2,426 |
| Return on Equity (ROE) | 11.2274% | 1,718 |
| Retained earnings to average equity (ytd only) | 5.2092% | 2,836 |
| Net charge-offs to loans | 1.2798% | 1,593 |
| Credit loss provision to net charge-offs | 102.2727% | 4,209 |
| Earnings coverage of net charge-offs (x) | 2.0482% | 4,188 |
| Efficiency ratio | 68.3301% | 4,399 |
| Assets per employee ($millions) | 4.1727% | 3,498 |
| Cash dividends to net income (ytd only)* | 53.6034% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 5,086 |
| Loan loss allowance to noncurrent loans | 233.4913% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.4498% | 6,304 |
| Noncurrent loans to loans | 0.5458% | 6,110 |
| Net loans and leases to total assets | 48.9997% | 6,436 |
| Net loans and leases to deposits | 57.0318% | 6,540 |
| Net loans and leases to core deposits | 70.4203% | 5,705 |
| Total domestic deposits to total assets | 85.9164% | 3,120 |
| Equity capital to assets | 8.9421% | 5,657 |
| Core capital (leverage) ratio | 8.4311% | 5,642 |
| Tier 1 risk-based capital ratio | 13.9472% | 3,882 |
| Total risk-based capital ratio | 14.9970% | 3,977 |
| Memoranda: | ||
| Average total assets | $229,969,750 | 2,784 |
| Average earning assets | $210,504,250 | 2,784 |
| Average equity | $19,938,750 | 3,195 |
| Average total loans | $114,599,250 | 3,489 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0619% | 4,652 |
| Cost of funding earning assets | 1.0030% | 6,123 |
| Net interest margin | 4.0589% | 2,754 |
| Noninterest income to average assets | 0.5115% | 4,020 |
| Noninterest expense to average assets | 2.8531% | 4,254 |
| Loan and lease loss provision to assets | 0.4809% | 2,901 |
| Net operating income to assets | 0.7026% | 3,395 |
| Return on assets (ROA) | 0.9740% | 2,364 |
| Pretax return on assets | 1.2215% | 2,346 |
| Return on Equity (ROE) | 11.3558% | 1,635 |
| Retained earnings to average equity (ytd only) | 5.2396% | 2,752 |
| Net charge-offs to loans | 0.8971% | 2,038 |
| Credit loss provision to net charge-offs | 107.4219% | 3,795 |
| Earnings coverage of net charge-offs (x) | 3.0449% | 3,479 |
| Efficiency ratio | 67.6690% | 4,640 |
| Assets per employee ($millions) | 4.4887% | 2,897 |
| Cash dividends to net income (ytd only)* | 53.8600% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 4,917 |
| Loan loss allowance to noncurrent loans | 128.5345% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.7395% | 5,644 |
| Noncurrent loans to loans | 1.0114% | 5,289 |
| Net loans and leases to total assets | 48.4988% | 6,592 |
| Net loans and leases to deposits | 56.5780% | 6,681 |
| Net loans and leases to core deposits | 69.9289% | 5,876 |
| Total domestic deposits to total assets | 85.7202% | 3,252 |
| Equity capital to assets | 8.6709% | 5,915 |
| Core capital (leverage) ratio | 8.3535% | 5,657 |
| Tier 1 risk-based capital ratio | 13.8305% | 3,848 |
| Total risk-based capital ratio | 14.8950% | 3,941 |
| Memoranda: | ||
| Average total assets | $228,736,670 | 2,829 |
| Average earning assets | $208,773,330 | 2,824 |
| Average equity | $19,620,000 | 3,229 |
| Average total loans | $114,140,670 | 3,533 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1498% | 4,296 |
| Cost of funding earning assets | 1.0253% | 6,248 |
| Net interest margin | 4.1245% | 2,339 |
| Noninterest income to average assets | 0.5477% | 3,664 |
| Noninterest expense to average assets | 2.7986% | 4,487 |
| Loan and lease loss provision to assets | 0.3092% | 3,567 |
| Net operating income to assets | 0.9470% | 2,370 |
| Return on assets (ROA) | 0.9470% | 2,436 |
| Pretax return on assets | 1.1855% | 2,412 |
| Return on Equity (ROE) | 11.1028% | 1,756 |
| Retained earnings to average equity (ytd only) | 4.8885% | 3,213 |
| Net charge-offs to loans | 0.7412% | 2,024 |
| Credit loss provision to net charge-offs | 82.9384% | 3,814 |
| Earnings coverage of net charge-offs (x) | 4.0095% | 2,722 |
| Efficiency ratio | 65.1852% | 5,280 |
| Assets per employee ($millions) | 4.0369% | 3,788 |
| Cash dividends to net income (ytd only)* | 55.9701% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 5,350 |
| Loan loss allowance to noncurrent loans | 106.5414% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.8583% | 5,438 |
| Noncurrent loans to loans | 1.1524% | 5,062 |
| Net loans and leases to total assets | 49.5385% | 6,522 |
| Net loans and leases to deposits | 57.5451% | 6,651 |
| Net loans and leases to core deposits | 71.2077% | 5,804 |
| Total domestic deposits to total assets | 86.0863% | 3,103 |
| Equity capital to assets | 8.4314% | 6,104 |
| Core capital (leverage) ratio | 8.4259% | 5,510 |
| Tier 1 risk-based capital ratio | 13.7691% | 3,816 |
| Total risk-based capital ratio | 14.7909% | 3,921 |
| Memoranda: | ||
| Average total assets | $226,398,000 | 2,911 |
| Average earning assets | $205,601,500 | 2,924 |
| Average equity | $19,310,500 | 3,294 |
| Average total loans | $113,864,000 | 3,595 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4694% | 4,333 |
| Cost of funding earning assets | 1.3425% | 6,169 |
| Net interest margin | 4.1269% | 2,341 |
| Noninterest income to average assets | 0.6134% | 3,526 |
| Noninterest expense to average assets | 2.8454% | 4,769 |
| Loan and lease loss provision to assets | 1.1531% | 1,984 |
| Net operating income to assets | 0.3378% | 4,384 |
| Return on assets (ROA) | 0.7186% | 2,932 |
| Pretax return on assets | 0.8348% | 3,131 |
| Return on Equity (ROE) | 8.1424% | 2,313 |
| Retained earnings to average equity (ytd only) | 1.8710% | 3,782 |
| Net charge-offs to loans | 2.7666% | 807 |
| Credit loss provision to net charge-offs | 79.3651% | 6,297 |
| Earnings coverage of net charge-offs (x) | 1.0635% | 5,053 |
| Efficiency ratio | 64.8072% | 5,618 |
| Assets per employee ($millions) | 4.1239% | 3,564 |
| Cash dividends to net income (ytd only)* | 77.0218% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 4,804 |
| Loan loss allowance to noncurrent loans | 90.5860% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.9515% | 5,204 |
| Noncurrent loans to loans | 1.4280% | 4,535 |
| Net loans and leases to total assets | 49.7854% | 6,665 |
| Net loans and leases to deposits | 56.0965% | 6,916 |
| Net loans and leases to core deposits | 75.4261% | 6,441 |
| Total domestic deposits to total assets | 88.7495% | 1,601 |
| Equity capital to assets | 8.6308% | 5,690 |
| Core capital (leverage) ratio | 8.5482% | 5,204 |
| Tier 1 risk-based capital ratio | 13.9324% | 3,545 |
| Total risk-based capital ratio | 15.0051% | 3,598 |
| Memoranda: | ||
| Average total assets | $216,808,200 | 2,988 |
| Average earning assets | $198,429,800 | 2,988 |
| Average equity | $19,134,400 | 3,322 |
| Average total loans | $113,858,000 | 3,611 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5002% | 4,417 |
| Cost of funding earning assets | 1.3951% | 6,249 |
| Net interest margin | 4.1052% | 2,375 |
| Noninterest income to average assets | 0.5628% | 3,986 |
| Noninterest expense to average assets | 2.8575% | 4,630 |
| Loan and lease loss provision to assets | 0.7120% | 2,596 |
| Net operating income to assets | 0.6408% | 3,448 |
| Return on assets (ROA) | 0.7919% | 2,910 |
| Pretax return on assets | 0.9523% | 3,052 |
| Return on Equity (ROE) | 8.9221% | 2,290 |
| Retained earnings to average equity (ytd only) | 2.6439% | 3,850 |
| Net charge-offs to loans | 1.3246% | 1,548 |
| Credit loss provision to net charge-offs | 101.3216% | 5,020 |
| Earnings coverage of net charge-offs (x) | 2.1092% | 4,240 |
| Efficiency ratio | 65.8439% | 5,395 |
| Assets per employee ($millions) | 4.0367% | 3,658 |
| Cash dividends to net income (ytd only)* | 70.3675% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8493% | 2,154 |
| Loan loss allowance to noncurrent loans | 48.1583% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 2.2539% | 3,039 |
| Noncurrent loans to loans | 3.8400% | 1,937 |
| Net loans and leases to total assets | 51.5708% | 6,647 |
| Net loans and leases to deposits | 62.3006% | 6,647 |
| Net loans and leases to core deposits | 84.7717% | 5,982 |
| Total domestic deposits to total assets | 82.7773% | 4,333 |
| Equity capital to assets | 9.2123% | 5,147 |
| Core capital (leverage) ratio | 8.6169% | 5,283 |
| Tier 1 risk-based capital ratio | 13.8316% | 3,643 |
| Total risk-based capital ratio | 15.0852% | 3,599 |
| Memoranda: | ||
| Average total assets | $215,337,250 | 3,021 |
| Average earning assets | $198,120,000 | 3,009 |
| Average equity | $19,113,000 | 3,358 |
| Average total loans | $114,242,250 | 3,633 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5095% | 4,571 |
| Cost of funding earning assets | 1.4530% | 6,318 |
| Net interest margin | 4.0565% | 2,483 |
| Noninterest income to average assets | 0.5670% | 3,916 |
| Noninterest expense to average assets | 2.8584% | 4,693 |
| Loan and lease loss provision to assets | 0.4989% | 3,042 |
| Net operating income to assets | 0.7643% | 2,994 |
| Return on assets (ROA) | 0.8860% | 2,618 |
| Pretax return on assets | 1.0986% | 2,641 |
| Return on Equity (ROE) | 10.1116% | 1,986 |
| Retained earnings to average equity (ytd only) | 3.7253% | 3,221 |
| Net charge-offs to loans | 0.6518% | 2,406 |
| Credit loss provision to net charge-offs | 143.8172% | 3,223 |
| Earnings coverage of net charge-offs (x) | 4.1720% | 3,187 |
| Efficiency ratio | 66.3851% | 5,482 |
| Assets per employee ($millions) | 3.8267% | 4,034 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9749% | 1,623 |
| Loan loss allowance to noncurrent loans | 37.9946% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 2.7343% | 2,354 |
| Noncurrent loans to loans | 5.1979% | 1,153 |
| Net loans and leases to total assets | 51.5647% | 6,732 |
| Net loans and leases to deposits | 60.9118% | 6,823 |
| Net loans and leases to core deposits | 82.7835% | 6,175 |
| Total domestic deposits to total assets | 84.6548% | 3,420 |
| Equity capital to assets | 8.7186% | 5,728 |
| Core capital (leverage) ratio | 8.5798% | 5,297 |
| Tier 1 risk-based capital ratio | 13.7691% | 3,640 |
| Total risk-based capital ratio | 15.0132% | 3,583 |
| Memoranda: | ||
| Average total assets | $214,456,330 | 3,048 |
| Average earning assets | $197,659,000 | 3,030 |
| Average equity | $18,790,330 | 3,426 |
| Average total loans | $114,145,670 | 3,670 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5980% | 4,365 |
| Cost of funding earning assets | 1.5022% | 6,394 |
| Net interest margin | 4.0958% | 2,292 |
| Noninterest income to average assets | 0.5418% | 3,983 |
| Noninterest expense to average assets | 2.7560% | 4,753 |
| Loan and lease loss provision to assets | 0.2822% | 3,701 |
| Net operating income to assets | 0.9942% | 2,334 |
| Return on assets (ROA) | 1.0309% | 2,330 |
| Pretax return on assets | 1.3206% | 2,211 |
| Return on Equity (ROE) | 11.7364% | 1,747 |
| Retained earnings to average equity (ytd only) | 5.3113% | 2,951 |
| Net charge-offs to loans | 0.0141% | 5,396 |
| Credit loss provision to net charge-offs | 3,750.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 206.7500% | 204 |
| Efficiency ratio | 63.9180% | 5,703 |
| Assets per employee ($millions) | 3.8733% | 3,933 |
| Cash dividends to net income (ytd only)* | 54.7445% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9986% | 1,425 |
| Loan loss allowance to noncurrent loans | 107.0952% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.9682% | 4,775 |
| Noncurrent loans to loans | 1.8662% | 3,465 |
| Net loans and leases to total assets | 50.8412% | 6,777 |
| Net loans and leases to deposits | 59.1431% | 6,962 |
| Net loans and leases to core deposits | 78.4348% | 6,503 |
| Total domestic deposits to total assets | 85.9630% | 2,747 |
| Equity capital to assets | 8.7232% | 5,734 |
| Core capital (leverage) ratio | 8.5933% | 5,356 |
| Tier 1 risk-based capital ratio | 13.6503% | 3,767 |
| Total risk-based capital ratio | 14.9048% | 3,684 |
| Memoranda: | ||
| Average total assets | $212,624,500 | 3,090 |
| Average earning assets | $195,713,500 | 3,069 |
| Average equity | $18,677,000 | 3,456 |
| Average total loans | $113,849,000 | 3,700 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9918% | 5,582 |
| Cost of funding earning assets | 1.9276% | 6,648 |
| Net interest margin | 4.0642% | 2,853 |
| Noninterest income to average assets | 0.7575% | 2,740 |
| Noninterest expense to average assets | 2.8347% | 4,669 |
| Loan and lease loss provision to assets | 0.1727% | 5,177 |
| Net operating income to assets | 1.1229% | 2,058 |
| Return on assets (ROA) | 1.1281% | 1,956 |
| Pretax return on assets | 1.4914% | 1,709 |
| Return on Equity (ROE) | 12.6959% | 1,410 |
| Retained earnings to average equity (ytd only) | 6.0314% | 1,519 |
| Net charge-offs to loans | -0.3948% | 8,204 |
| Credit loss provision to net charge-offs | -81.7757% | 7,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5247% | 5,853 |
| Assets per employee ($millions) | 3.7204% | 4,132 |
| Cash dividends to net income (ytd only)* | 52.4934% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8260% | 1,570 |
| Loan loss allowance to noncurrent loans | 100.1429% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 1.0079% | 4,306 |
| Noncurrent loans to loans | 1.8234% | 3,027 |
| Net loans and leases to total assets | 54.2703% | 6,629 |
| Net loans and leases to deposits | 61.3848% | 6,997 |
| Net loans and leases to core deposits | 80.8785% | 6,547 |
| Total domestic deposits to total assets | 88.4100% | 1,286 |
| Equity capital to assets | 8.8474% | 5,571 |
| Core capital (leverage) ratio | 8.9352% | 4,839 |
| Tier 1 risk-based capital ratio | 13.5798% | 3,771 |
| Total risk-based capital ratio | 14.8337% | 3,677 |
| Memoranda: | ||
| Average total assets | $202,635,000 | 3,109 |
| Average earning assets | $186,187,200 | 3,102 |
| Average equity | $18,005,800 | 3,557 |
| Average total loans | $108,421,600 | 3,722 |