Home > The First National Bank of Manchester > Performance and Condition Ratios
The First National Bank of Manchester, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4378% | 2,102 |
| Cost of funding earning assets | 0.6562% | 2,656 |
| Net interest margin | 3.7816% | 1,882 |
| Noninterest income to average assets | 0.3240% | 3,525 |
| Noninterest expense to average assets | 2.1985% | 3,793 |
| Loan and lease loss provision to assets | 0.0624% | 3,513 |
| Net operating income to assets | 1.1455% | 1,818 |
| Return on assets (ROA) | 1.1476% | 1,936 |
| Pretax return on assets | 1.5577% | 1,327 |
| Return on Equity (ROE) | 9.1407% | 2,298 |
| Retained earnings to average equity (ytd only) | 0.8952% | 4,121 |
| Net charge-offs to loans | 0.1648% | 906 |
| Credit loss provision to net charge-offs | 60.1266% | 2,586 |
| Earnings coverage of net charge-offs (x) | 15.5759% | 1,902 |
| Efficiency ratio | 57.6128% | 3,740 |
| Assets per employee ($millions) | 6.4651% | 1,817 |
| Cash dividends to net income (ytd only)* | 90.2062% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 1,709 |
| Loan loss allowance to noncurrent loans | 148.0568% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.5657% | 2,106 |
| Noncurrent loans to loans | 0.9221% | 1,671 |
| Net loans and leases to total assets | 54.7334% | 3,814 |
| Net loans and leases to deposits | 62.4691% | 3,975 |
| Net loans and leases to core deposits | 70.0471% | 3,702 |
| Total domestic deposits to total assets | 87.6168% | 1,371 |
| Equity capital to assets | 12.0170% | 1,645 |
| Core capital (leverage) ratio | 11.8676% | 1,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,292,000 | 2,226 |
| Average earning assets | $280,994,667 | 2,243 |
| Average equity | $38,202,667 | 2,072 |
| Average total loans | $191,791,667 | 2,287 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7787% | 1,473 |
| Cost of funding earning assets | 0.7274% | 2,794 |
| Net interest margin | 4.0512% | 1,249 |
| Noninterest income to average assets | 0.3557% | 3,392 |
| Noninterest expense to average assets | 2.1366% | 4,148 |
| Loan and lease loss provision to assets | 0.0470% | 3,193 |
| Net operating income to assets | 1.3953% | 994 |
| Return on assets (ROA) | 1.3985% | 1,061 |
| Pretax return on assets | 1.8910% | 578 |
| Return on Equity (ROE) | 10.8912% | 1,445 |
| Retained earnings to average equity (ytd only) | 10.8912% | 581 |
| Net charge-offs to loans | 0.0240% | 1,886 |
| Credit loss provision to net charge-offs | 291.6667% | 1,202 |
| Earnings coverage of net charge-offs (x) | 120.0833% | 510 |
| Efficiency ratio | 52.4893% | 4,517 |
| Assets per employee ($millions) | 5.5269% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 2,338 |
| Loan loss allowance to noncurrent loans | 207.1667% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3948% | 2,866 |
| Noncurrent loans to loans | 0.6084% | 2,469 |
| Net loans and leases to total assets | 64.0679% | 3,058 |
| Net loans and leases to deposits | 74.1747% | 3,253 |
| Net loans and leases to core deposits | 84.1447% | 2,839 |
| Total domestic deposits to total assets | 86.3744% | 1,839 |
| Equity capital to assets | 12.7890% | 1,553 |
| Core capital (leverage) ratio | 12.9982% | 1,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $298,042,000 | 2,221 |
| Average earning assets | $273,298,500 | 2,240 |
| Average equity | $38,269,500 | 2,056 |
| Average total loans | $199,792,000 | 2,186 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0389% | 1,370 |
| Cost of funding earning assets | 0.7440% | 2,953 |
| Net interest margin | 4.2950% | 1,097 |
| Noninterest income to average assets | 0.4382% | 3,063 |
| Noninterest expense to average assets | 2.3035% | 3,937 |
| Loan and lease loss provision to assets | 0.1031% | 2,006 |
| Net operating income to assets | 1.4653% | 1,139 |
| Return on assets (ROA) | 1.4735% | 1,179 |
| Pretax return on assets | 1.9766% | 629 |
| Return on Equity (ROE) | 11.6825% | 1,628 |
| Retained earnings to average equity (ytd only) | 5.6110% | 2,097 |
| Net charge-offs to loans | 0.0888% | 1,846 |
| Credit loss provision to net charge-offs | 169.4915% | 1,531 |
| Earnings coverage of net charge-offs (x) | 34.0169% | 1,458 |
| Efficiency ratio | 52.6763% | 4,552 |
| Assets per employee ($millions) | 5.1246% | 2,428 |
| Cash dividends to net income (ytd only)* | 51.9711% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 2,338 |
| Loan loss allowance to noncurrent loans | 177.4496% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.4752% | 2,506 |
| Noncurrent loans to loans | 0.6860% | 2,170 |
| Net loans and leases to total assets | 68.4281% | 2,619 |
| Net loans and leases to deposits | 79.3135% | 2,864 |
| Net loans and leases to core deposits | 90.8480% | 2,337 |
| Total domestic deposits to total assets | 86.2755% | 1,943 |
| Equity capital to assets | 12.8937% | 1,589 |
| Core capital (leverage) ratio | 13.0033% | 1,235 |
| Tier 1 risk-based capital ratio | 17.9490% | 1,774 |
| Total risk-based capital ratio | 19.1896% | 1,725 |
| Memoranda: | ||
| Average total assets | $290,948,800 | 2,217 |
| Average earning assets | $266,544,400 | 2,238 |
| Average equity | $36,696,000 | 2,068 |
| Average total loans | $199,408,400 | 2,169 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0374% | 1,449 |
| Cost of funding earning assets | 0.7338% | 3,049 |
| Net interest margin | 4.3036% | 1,161 |
| Noninterest income to average assets | 0.4537% | 3,001 |
| Noninterest expense to average assets | 2.2638% | 4,039 |
| Loan and lease loss provision to assets | 0.1170% | 1,669 |
| Net operating income to assets | 1.4797% | 1,245 |
| Return on assets (ROA) | 1.4913% | 1,267 |
| Pretax return on assets | 2.0289% | 648 |
| Return on Equity (ROE) | 11.8904% | 1,658 |
| Retained earnings to average equity (ytd only) | 8.2329% | 1,303 |
| Net charge-offs to loans | 0.0980% | 1,492 |
| Credit loss provision to net charge-offs | 174.6575% | 1,464 |
| Earnings coverage of net charge-offs (x) | 31.8222% | 1,571 |
| Efficiency ratio | 51.5082% | 4,639 |
| Assets per employee ($millions) | 4.5407% | 3,135 |
| Cash dividends to net income (ytd only)* | 30.7598% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 2,305 |
| Loan loss allowance to noncurrent loans | 200.9024% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.4261% | 2,804 |
| Noncurrent loans to loans | 0.6156% | 2,435 |
| Net loans and leases to total assets | 68.3604% | 2,735 |
| Net loans and leases to deposits | 79.8726% | 2,912 |
| Net loans and leases to core deposits | 91.6726% | 2,397 |
| Total domestic deposits to total assets | 85.5869% | 2,176 |
| Equity capital to assets | 13.2260% | 1,498 |
| Core capital (leverage) ratio | 13.1578% | 1,276 |
| Tier 1 risk-based capital ratio | 18.4909% | 1,689 |
| Total risk-based capital ratio | 19.7410% | 1,654 |
| Memoranda: | ||
| Average total assets | $290,659,750 | 2,230 |
| Average earning assets | $266,189,750 | 2,251 |
| Average equity | $36,454,250 | 2,086 |
| Average total loans | $198,674,250 | 2,194 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9585% | 1,590 |
| Cost of funding earning assets | 0.6999% | 3,170 |
| Net interest margin | 4.2586% | 1,222 |
| Noninterest income to average assets | 0.4271% | 3,086 |
| Noninterest expense to average assets | 2.2109% | 4,199 |
| Loan and lease loss provision to assets | 0.1232% | 1,517 |
| Net operating income to assets | 1.4582% | 1,271 |
| Return on assets (ROA) | 1.4593% | 1,323 |
| Pretax return on assets | 1.9966% | 680 |
| Return on Equity (ROE) | 11.8464% | 1,641 |
| Retained earnings to average equity (ytd only) | 6.2899% | 2,147 |
| Net charge-offs to loans | 0.1126% | 1,292 |
| Credit loss provision to net charge-offs | 160.7143% | 1,420 |
| Earnings coverage of net charge-offs (x) | 27.6339% | 1,533 |
| Efficiency ratio | 51.0672% | 4,720 |
| Assets per employee ($millions) | 4.7707% | 2,781 |
| Cash dividends to net income (ytd only)* | 46.9043% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 2,515 |
| Loan loss allowance to noncurrent loans | 212.3457% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.3834% | 2,969 |
| Noncurrent loans to loans | 0.5662% | 2,564 |
| Net loans and leases to total assets | 66.8960% | 2,986 |
| Net loans and leases to deposits | 77.3718% | 3,209 |
| Net loans and leases to core deposits | 88.7377% | 2,729 |
| Total domestic deposits to total assets | 86.4605% | 1,836 |
| Equity capital to assets | 12.4279% | 1,899 |
| Core capital (leverage) ratio | 12.5000% | 1,538 |
| Tier 1 risk-based capital ratio | 18.0359% | 1,800 |
| Total risk-based capital ratio | 19.2663% | 1,757 |
| Memoranda: | ||
| Average total assets | $292,191,000 | 2,222 |
| Average earning assets | $267,742,000 | 2,247 |
| Average equity | $35,994,000 | 2,101 |
| Average total loans | $198,897,330 | 2,194 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8957% | 1,604 |
| Cost of funding earning assets | 0.6560% | 3,288 |
| Net interest margin | 4.2398% | 1,219 |
| Noninterest income to average assets | 0.4546% | 2,830 |
| Noninterest expense to average assets | 2.2590% | 4,124 |
| Loan and lease loss provision to assets | 0.1240% | 1,414 |
| Net operating income to assets | 1.4350% | 1,279 |
| Return on assets (ROA) | 1.4339% | 1,311 |
| Pretax return on assets | 1.9518% | 699 |
| Return on Equity (ROE) | 11.6930% | 1,656 |
| Retained earnings to average equity (ytd only) | 11.6930% | 674 |
| Net charge-offs to loans | 0.1574% | 854 |
| Credit loss provision to net charge-offs | 115.3846% | 1,450 |
| Earnings coverage of net charge-offs (x) | 19.3333% | 1,593 |
| Efficiency ratio | 52.0966% | 4,693 |
| Assets per employee ($millions) | 5.1001% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 2,614 |
| Loan loss allowance to noncurrent loans | 212.8507% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.3736% | 3,094 |
| Noncurrent loans to loans | 0.5606% | 2,644 |
| Net loans and leases to total assets | 65.8415% | 3,080 |
| Net loans and leases to deposits | 75.9939% | 3,259 |
| Net loans and leases to core deposits | 86.6089% | 2,815 |
| Total domestic deposits to total assets | 86.6404% | 1,989 |
| Equity capital to assets | 12.2737% | 1,856 |
| Core capital (leverage) ratio | 12.7215% | 1,388 |
| Tier 1 risk-based capital ratio | 18.3456% | 1,702 |
| Total risk-based capital ratio | 19.5742% | 1,655 |
| Memoranda: | ||
| Average total assets | $290,393,500 | 2,248 |
| Average earning assets | $265,864,000 | 2,273 |
| Average equity | $35,611,000 | 2,113 |
| Average total loans | $198,207,500 | 2,221 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8465% | 1,433 |
| Cost of funding earning assets | 0.4520% | 3,669 |
| Net interest margin | 4.3945% | 950 |
| Noninterest income to average assets | 0.6682% | 1,972 |
| Noninterest expense to average assets | 2.3868% | 3,918 |
| Loan and lease loss provision to assets | 0.1150% | 1,915 |
| Net operating income to assets | 1.6000% | 870 |
| Return on assets (ROA) | 1.6000% | 854 |
| Pretax return on assets | 2.1733% | 377 |
| Return on Equity (ROE) | 13.0469% | 1,329 |
| Retained earnings to average equity (ytd only) | 6.7249% | 1,799 |
| Net charge-offs to loans | 0.0931% | 1,837 |
| Credit loss provision to net charge-offs | 184.3931% | 1,535 |
| Earnings coverage of net charge-offs (x) | 36.6821% | 1,410 |
| Efficiency ratio | 51.0528% | 4,870 |
| Assets per employee ($millions) | 4.6719% | 2,923 |
| Cash dividends to net income (ytd only)* | 48.4562% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 2,701 |
| Loan loss allowance to noncurrent loans | 218.0801% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4218% | 2,874 |
| Noncurrent loans to loans | 0.5384% | 2,660 |
| Net loans and leases to total assets | 69.1134% | 2,712 |
| Net loans and leases to deposits | 79.7340% | 2,985 |
| Net loans and leases to core deposits | 90.3864% | 2,543 |
| Total domestic deposits to total assets | 86.6800% | 1,931 |
| Equity capital to assets | 12.2519% | 1,724 |
| Core capital (leverage) ratio | 12.6892% | 1,385 |
| Tier 1 risk-based capital ratio | 17.0978% | 2,032 |
| Total risk-based capital ratio | 18.2692% | 2,006 |
| Memoranda: | ||
| Average total assets | $277,320,000 | 2,283 |
| Average earning assets | $252,864,200 | 2,320 |
| Average equity | $34,008,000 | 2,112 |
| Average total loans | $185,890,800 | 2,289 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7711% | 1,491 |
| Cost of funding earning assets | 0.3925% | 3,915 |
| Net interest margin | 4.3786% | 946 |
| Noninterest income to average assets | 0.6734% | 1,968 |
| Noninterest expense to average assets | 2.3683% | 3,931 |
| Loan and lease loss provision to assets | 0.0896% | 2,186 |
| Net operating income to assets | 1.6213% | 922 |
| Return on assets (ROA) | 1.6213% | 922 |
| Pretax return on assets | 2.2062% | 394 |
| Return on Equity (ROE) | 13.2181% | 1,353 |
| Retained earnings to average equity (ytd only) | 10.0606% | 903 |
| Net charge-offs to loans | 0.0716% | 1,815 |
| Credit loss provision to net charge-offs | 188.7755% | 1,451 |
| Earnings coverage of net charge-offs (x) | 48.3890% | 1,192 |
| Efficiency ratio | 50.7785% | 4,899 |
| Assets per employee ($millions) | 4.3854% | 3,299 |
| Cash dividends to net income (ytd only)* | 23.8877% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1577% | 2,861 |
| Loan loss allowance to noncurrent loans | 168.2153% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.5291% | 2,627 |
| Noncurrent loans to loans | 0.6882% | 2,356 |
| Net loans and leases to total assets | 69.3904% | 2,745 |
| Net loans and leases to deposits | 80.1846% | 3,022 |
| Net loans and leases to core deposits | 90.9135% | 2,568 |
| Total domestic deposits to total assets | 86.5384% | 1,955 |
| Equity capital to assets | 12.4213% | 1,636 |
| Core capital (leverage) ratio | 12.9405% | 1,310 |
| Tier 1 risk-based capital ratio | 17.1528% | 2,043 |
| Total risk-based capital ratio | 18.3022% | 2,029 |
| Memoranda: | ||
| Average total assets | $275,404,000 | 2,308 |
| Average earning assets | $251,004,500 | 2,343 |
| Average equity | $33,781,000 | 2,122 |
| Average total loans | $182,538,000 | 2,329 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6990% | 1,517 |
| Cost of funding earning assets | 0.3720% | 3,925 |
| Net interest margin | 4.3270% | 987 |
| Noninterest income to average assets | 0.6907% | 1,912 |
| Noninterest expense to average assets | 2.3994% | 3,902 |
| Loan and lease loss provision to assets | 0.0840% | 2,234 |
| Net operating income to assets | 1.6094% | 904 |
| Return on assets (ROA) | 1.6094% | 911 |
| Pretax return on assets | 2.1604% | 421 |
| Return on Equity (ROE) | 13.1775% | 1,308 |
| Retained earnings to average equity (ytd only) | 8.6892% | 1,329 |
| Net charge-offs to loans | 0.0687% | 1,654 |
| Credit loss provision to net charge-offs | 188.5246% | 1,354 |
| Earnings coverage of net charge-offs (x) | 50.3443% | 1,123 |
| Efficiency ratio | 51.6682% | 4,923 |
| Assets per employee ($millions) | 4.2077% | 3,570 |
| Cash dividends to net income (ytd only)* | 34.0599% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 2,506 |
| Loan loss allowance to noncurrent loans | 189.2256% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.4815% | 2,838 |
| Noncurrent loans to loans | 0.6541% | 2,474 |
| Net loans and leases to total assets | 65.5877% | 3,206 |
| Net loans and leases to deposits | 76.0043% | 3,333 |
| Net loans and leases to core deposits | 83.4600% | 3,126 |
| Total domestic deposits to total assets | 86.2947% | 2,143 |
| Equity capital to assets | 12.3912% | 1,600 |
| Core capital (leverage) ratio | 12.5878% | 1,390 |
| Tier 1 risk-based capital ratio | 17.4031% | 1,966 |
| Total risk-based capital ratio | 18.5865% | 1,941 |
| Memoranda: | ||
| Average total assets | $273,650,670 | 2,323 |
| Average earning assets | $250,011,670 | 2,359 |
| Average equity | $33,420,670 | 2,150 |
| Average total loans | $177,705,670 | 2,370 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4984% | 1,871 |
| Cost of funding earning assets | 0.3567% | 3,933 |
| Net interest margin | 4.1417% | 1,332 |
| Noninterest income to average assets | 0.6064% | 2,225 |
| Noninterest expense to average assets | 2.3644% | 4,033 |
| Loan and lease loss provision to assets | 0.0658% | 2,457 |
| Net operating income to assets | 1.4745% | 1,131 |
| Return on assets (ROA) | 1.4745% | 1,136 |
| Pretax return on assets | 1.9596% | 633 |
| Return on Equity (ROE) | 12.1618% | 1,521 |
| Retained earnings to average equity (ytd only) | 12.1618% | 654 |
| Net charge-offs to loans | 0.1388% | 979 |
| Credit loss provision to net charge-offs | 73.7705% | 1,799 |
| Earnings coverage of net charge-offs (x) | 22.7213% | 1,396 |
| Efficiency ratio | 53.8615% | 4,813 |
| Assets per employee ($millions) | 4.2911% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 2,606 |
| Loan loss allowance to noncurrent loans | 258.3630% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 3,450 |
| Noncurrent loans to loans | 0.4780% | 3,087 |
| Net loans and leases to total assets | 62.4544% | 3,492 |
| Net loans and leases to deposits | 71.7784% | 3,633 |
| Net loans and leases to core deposits | 78.6537% | 3,437 |
| Total domestic deposits to total assets | 87.0100% | 2,118 |
| Equity capital to assets | 12.0127% | 1,777 |
| Core capital (leverage) ratio | 12.7212% | 1,284 |
| Tier 1 risk-based capital ratio | 17.3134% | 2,028 |
| Total risk-based capital ratio | 18.4691% | 2,004 |
| Memoranda: | ||
| Average total assets | $273,725,500 | 2,345 |
| Average earning assets | $250,042,500 | 2,376 |
| Average equity | $33,186,000 | 2,176 |
| Average total loans | $175,743,000 | 2,404 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5576% | 1,547 |
| Cost of funding earning assets | 0.3244% | 3,918 |
| Net interest margin | 4.2332% | 1,116 |
| Noninterest income to average assets | 0.7000% | 1,963 |
| Noninterest expense to average assets | 2.4198% | 4,018 |
| Loan and lease loss provision to assets | 0.1388% | 1,649 |
| Net operating income to assets | 1.3244% | 1,173 |
| Return on assets (ROA) | 1.3244% | 1,191 |
| Pretax return on assets | 2.0069% | 481 |
| Return on Equity (ROE) | 10.6108% | 1,632 |
| Retained earnings to average equity (ytd only) | 3.6039% | 3,101 |
| Net charge-offs to loans | 0.1107% | 1,960 |
| Credit loss provision to net charge-offs | 193.1217% | 1,408 |
| Earnings coverage of net charge-offs (x) | 29.8571% | 1,553 |
| Efficiency ratio | 53.0024% | 5,036 |
| Assets per employee ($millions) | 4.1958% | 3,664 |
| Cash dividends to net income (ytd only)* | 66.0350% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 2,452 |
| Loan loss allowance to noncurrent loans | 226.8873% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.4081% | 3,224 |
| Noncurrent loans to loans | 0.5522% | 2,842 |
| Net loans and leases to total assets | 64.3934% | 3,315 |
| Net loans and leases to deposits | 74.2296% | 3,501 |
| Net loans and leases to core deposits | 81.3454% | 3,303 |
| Total domestic deposits to total assets | 86.7489% | 2,115 |
| Equity capital to assets | 12.2393% | 1,683 |
| Core capital (leverage) ratio | 12.2044% | 1,495 |
| Tier 1 risk-based capital ratio | 28.1457% | 532 |
| Total risk-based capital ratio | 29.4049% | 524 |
| Memoranda: | ||
| Average total assets | $262,992,800 | 2,385 |
| Average earning assets | $240,148,600 | 2,420 |
| Average equity | $32,825,200 | 2,179 |
| Average total loans | $170,739,200 | 2,412 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5464% | 1,514 |
| Cost of funding earning assets | 0.3237% | 3,905 |
| Net interest margin | 4.2227% | 1,099 |
| Noninterest income to average assets | 0.7166% | 1,932 |
| Noninterest expense to average assets | 2.3984% | 4,025 |
| Loan and lease loss provision to assets | 0.1656% | 1,221 |
| Net operating income to assets | 1.3440% | 1,213 |
| Return on assets (ROA) | 1.3440% | 1,234 |
| Pretax return on assets | 2.0085% | 534 |
| Return on Equity (ROE) | 10.7143% | 1,818 |
| Retained earnings to average equity (ytd only) | 7.8702% | 1,273 |
| Net charge-offs to loans | 0.1509% | 1,338 |
| Credit loss provision to net charge-offs | 169.2708% | 1,537 |
| Earnings coverage of net charge-offs (x) | 22.2191% | 1,874 |
| Efficiency ratio | 52.4521% | 5,064 |
| Assets per employee ($millions) | 4.1202% | 3,787 |
| Cash dividends to net income (ytd only)* | 26.5453% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 2,691 |
| Loan loss allowance to noncurrent loans | 216.6163% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.4255% | 3,319 |
| Noncurrent loans to loans | 0.5724% | 2,980 |
| Net loans and leases to total assets | 64.9698% | 3,257 |
| Net loans and leases to deposits | 75.4340% | 3,428 |
| Net loans and leases to core deposits | 82.4345% | 3,251 |
| Total domestic deposits to total assets | 86.1279% | 2,256 |
| Equity capital to assets | 12.8531% | 1,462 |
| Core capital (leverage) ratio | 12.7065% | 1,333 |
| Tier 1 risk-based capital ratio | 29.2731% | 505 |
| Total risk-based capital ratio | 30.5322% | 500 |
| Memoranda: | ||
| Average total assets | $261,608,750 | 2,418 |
| Average earning assets | $238,895,750 | 2,450 |
| Average equity | $32,815,000 | 2,191 |
| Average total loans | $169,646,750 | 2,442 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4767% | 1,584 |
| Cost of funding earning assets | 0.3216% | 3,865 |
| Net interest margin | 4.1551% | 1,189 |
| Noninterest income to average assets | 0.7259% | 1,881 |
| Noninterest expense to average assets | 2.4223% | 3,988 |
| Loan and lease loss provision to assets | 0.1686% | 1,166 |
| Net operating income to assets | 1.2855% | 1,338 |
| Return on assets (ROA) | 1.2855% | 1,363 |
| Pretax return on assets | 1.9278% | 613 |
| Return on Equity (ROE) | 10.3341% | 1,902 |
| Retained earnings to average equity (ytd only) | 6.0205% | 2,104 |
| Net charge-offs to loans | 0.1366% | 1,337 |
| Credit loss provision to net charge-offs | 191.3043% | 1,316 |
| Earnings coverage of net charge-offs (x) | 23.7826% | 1,666 |
| Efficiency ratio | 53.6047% | 5,049 |
| Assets per employee ($millions) | 4.1115% | 3,766 |
| Cash dividends to net income (ytd only)* | 41.7412% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 2,726 |
| Loan loss allowance to noncurrent loans | 119.6731% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.7574% | 2,312 |
| Noncurrent loans to loans | 1.0399% | 1,894 |
| Net loans and leases to total assets | 64.0277% | 3,380 |
| Net loans and leases to deposits | 74.0771% | 3,538 |
| Net loans and leases to core deposits | 80.9216% | 3,351 |
| Total domestic deposits to total assets | 86.4339% | 2,183 |
| Equity capital to assets | 12.5419% | 1,601 |
| Core capital (leverage) ratio | 12.2896% | 1,480 |
| Tier 1 risk-based capital ratio | 28.0801% | 545 |
| Total risk-based capital ratio | 29.3382% | 535 |
| Memoranda: | ||
| Average total assets | $260,913,330 | 2,434 |
| Average earning assets | $238,167,330 | 2,465 |
| Average equity | $32,455,670 | 2,207 |
| Average total loans | $168,371,330 | 2,460 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 1,693 |
| Cost of funding earning assets | 0.3224% | 3,828 |
| Net interest margin | 4.0626% | 1,314 |
| Noninterest income to average assets | 0.6420% | 2,217 |
| Noninterest expense to average assets | 2.3772% | 4,188 |
| Loan and lease loss provision to assets | 0.1771% | 991 |
| Net operating income to assets | 1.1794% | 1,561 |
| Return on assets (ROA) | 1.1794% | 1,603 |
| Pretax return on assets | 1.7937% | 815 |
| Return on Equity (ROE) | 9.5207% | 2,172 |
| Retained earnings to average equity (ytd only) | 9.5207% | 917 |
| Net charge-offs to loans | 0.2272% | 791 |
| Credit loss provision to net charge-offs | 121.0526% | 1,394 |
| Earnings coverage of net charge-offs (x) | 13.4737% | 1,781 |
| Efficiency ratio | 54.6742% | 5,071 |
| Assets per employee ($millions) | 4.1057% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 3,022 |
| Loan loss allowance to noncurrent loans | 109.1006% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.7948% | 2,312 |
| Noncurrent loans to loans | 1.1166% | 1,832 |
| Net loans and leases to total assets | 61.9248% | 3,545 |
| Net loans and leases to deposits | 71.4042% | 3,665 |
| Net loans and leases to core deposits | 77.5807% | 3,509 |
| Total domestic deposits to total assets | 86.7243% | 2,347 |
| Equity capital to assets | 12.2212% | 1,698 |
| Core capital (leverage) ratio | 12.5419% | 1,319 |
| Tier 1 risk-based capital ratio | 28.5305% | 530 |
| Total risk-based capital ratio | 29.7882% | 518 |
| Memoranda: | ||
| Average total assets | $259,803,500 | 2,467 |
| Average earning assets | $236,988,500 | 2,491 |
| Average equity | $32,182,500 | 2,229 |
| Average total loans | $167,256,500 | 2,485 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5068% | 1,517 |
| Cost of funding earning assets | 0.3473% | 3,542 |
| Net interest margin | 4.1595% | 1,212 |
| Noninterest income to average assets | 0.7923% | 1,771 |
| Noninterest expense to average assets | 2.5183% | 3,957 |
| Loan and lease loss provision to assets | 0.1853% | 1,274 |
| Net operating income to assets | 1.2821% | 1,259 |
| Return on assets (ROA) | 1.2555% | 1,421 |
| Pretax return on assets | 1.8420% | 707 |
| Return on Equity (ROE) | 9.8877% | 2,003 |
| Retained earnings to average equity (ytd only) | 4.8598% | 2,440 |
| Net charge-offs to loans | 0.2383% | 1,171 |
| Credit loss provision to net charge-offs | 119.4805% | 2,223 |
| Earnings coverage of net charge-offs (x) | 13.3247% | 2,378 |
| Efficiency ratio | 54.9288% | 5,158 |
| Assets per employee ($millions) | 3.8293% | 4,252 |
| Cash dividends to net income (ytd only)* | 50.8502% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 3,081 |
| Loan loss allowance to noncurrent loans | 97.6294% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 0.9180% | 2,068 |
| Noncurrent loans to loans | 1.2361% | 1,662 |
| Net loans and leases to total assets | 65.3637% | 3,165 |
| Net loans and leases to deposits | 75.6729% | 3,357 |
| Net loans and leases to core deposits | 81.5486% | 3,247 |
| Total domestic deposits to total assets | 86.3766% | 2,421 |
| Equity capital to assets | 12.5626% | 1,481 |
| Core capital (leverage) ratio | 12.8797% | 1,179 |
| Tier 1 risk-based capital ratio | 28.9483% | 518 |
| Total risk-based capital ratio | 30.2068% | 509 |
| Memoranda: | ||
| Average total assets | $248,260,200 | 2,521 |
| Average earning assets | $226,348,400 | 2,542 |
| Average equity | $31,524,000 | 2,251 |
| Average total loans | $161,554,400 | 2,502 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5059% | 1,518 |
| Cost of funding earning assets | 0.3517% | 3,518 |
| Net interest margin | 4.1541% | 1,240 |
| Noninterest income to average assets | 0.7995% | 1,767 |
| Noninterest expense to average assets | 2.4417% | 4,159 |
| Loan and lease loss provision to assets | 0.1511% | 1,544 |
| Net operating income to assets | 1.3332% | 1,201 |
| Return on assets (ROA) | 1.3369% | 1,279 |
| Pretax return on assets | 2.0031% | 564 |
| Return on Equity (ROE) | 10.4995% | 1,867 |
| Retained earnings to average equity (ytd only) | 7.7030% | 1,314 |
| Net charge-offs to loans | 0.1940% | 1,210 |
| Credit loss provision to net charge-offs | 120.1717% | 2,085 |
| Earnings coverage of net charge-offs (x) | 17.0943% | 2,072 |
| Efficiency ratio | 53.1907% | 5,291 |
| Assets per employee ($millions) | 3.7870% | 4,326 |
| Cash dividends to net income (ytd only)* | 26.6344% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 3,223 |
| Loan loss allowance to noncurrent loans | 117.9609% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.7881% | 2,577 |
| Noncurrent loans to loans | 1.0193% | 2,205 |
| Net loans and leases to total assets | 66.4240% | 3,054 |
| Net loans and leases to deposits | 77.5691% | 3,234 |
| Net loans and leases to core deposits | 83.5307% | 3,174 |
| Total domestic deposits to total assets | 85.6320% | 2,542 |
| Equity capital to assets | 13.1594% | 1,409 |
| Core capital (leverage) ratio | 12.9420% | 1,209 |
| Tier 1 risk-based capital ratio | 25.7725% | 734 |
| Total risk-based capital ratio | 27.0274% | 715 |
| Memoranda: | ||
| Average total assets | $247,141,500 | 2,541 |
| Average earning assets | $225,537,000 | 2,553 |
| Average equity | $31,467,500 | 2,271 |
| Average total loans | $160,139,250 | 2,520 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3767% | 1,893 |
| Cost of funding earning assets | 0.3532% | 3,529 |
| Net interest margin | 4.0235% | 1,571 |
| Noninterest income to average assets | 0.8138% | 1,661 |
| Noninterest expense to average assets | 2.3890% | 4,367 |
| Loan and lease loss provision to assets | 0.1414% | 1,608 |
| Net operating income to assets | 1.3176% | 1,229 |
| Return on assets (ROA) | 1.3181% | 1,321 |
| Pretax return on assets | 1.9671% | 607 |
| Return on Equity (ROE) | 10.4689% | 1,863 |
| Retained earnings to average equity (ytd only) | 6.2325% | 1,999 |
| Net charge-offs to loans | 0.1364% | 1,512 |
| Credit loss provision to net charge-offs | 162.0370% | 1,518 |
| Earnings coverage of net charge-offs (x) | 24.1481% | 1,562 |
| Efficiency ratio | 53.1272% | 5,377 |
| Assets per employee ($millions) | 3.8689% | 4,138 |
| Cash dividends to net income (ytd only)* | 40.4660% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 3,201 |
| Loan loss allowance to noncurrent loans | 77.1297% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 1.1692% | 1,800 |
| Noncurrent loans to loans | 1.5921% | 1,348 |
| Net loans and leases to total assets | 65.2931% | 3,183 |
| Net loans and leases to deposits | 76.0993% | 3,372 |
| Net loans and leases to core deposits | 81.3928% | 3,329 |
| Total domestic deposits to total assets | 85.7999% | 2,522 |
| Equity capital to assets | 12.7547% | 1,633 |
| Core capital (leverage) ratio | 12.5343% | 1,336 |
| Tier 1 risk-based capital ratio | 29.1613% | 534 |
| Total risk-based capital ratio | 30.4196% | 528 |
| Memoranda: | ||
| Average total assets | $247,469,330 | 2,554 |
| Average earning assets | $226,517,000 | 2,565 |
| Average equity | $31,159,000 | 2,298 |
| Average total loans | $158,353,000 | 2,553 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2512% | 2,295 |
| Cost of funding earning assets | 0.3543% | 3,558 |
| Net interest margin | 3.8970% | 1,942 |
| Noninterest income to average assets | 0.7680% | 1,739 |
| Noninterest expense to average assets | 2.3654% | 4,473 |
| Loan and lease loss provision to assets | 0.1293% | 1,637 |
| Net operating income to assets | 1.2406% | 1,428 |
| Return on assets (ROA) | 1.2417% | 1,531 |
| Pretax return on assets | 1.8496% | 770 |
| Return on Equity (ROE) | 9.9265% | 2,013 |
| Retained earnings to average equity (ytd only) | 9.9265% | 860 |
| Net charge-offs to loans | -0.0051% | 4,300 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4676% | 5,342 |
| Assets per employee ($millions) | 3.9797% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 2,901 |
| Loan loss allowance to noncurrent loans | 75.7576% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.1670% | 1,885 |
| Noncurrent loans to loans | 1.7150% | 1,312 |
| Net loans and leases to total assets | 61.3564% | 3,613 |
| Net loans and leases to deposits | 71.1710% | 3,730 |
| Net loans and leases to core deposits | 76.2578% | 3,658 |
| Total domestic deposits to total assets | 86.2098% | 2,586 |
| Equity capital to assets | 12.5011% | 1,679 |
| Core capital (leverage) ratio | 12.6515% | 1,283 |
| Tier 1 risk-based capital ratio | 21.4966% | 1,233 |
| Total risk-based capital ratio | 22.7487% | 1,210 |
| Memoranda: | ||
| Average total assets | $247,398,500 | 2,561 |
| Average earning assets | $226,946,000 | 2,574 |
| Average equity | $30,947,500 | 2,306 |
| Average total loans | $155,688,000 | 2,575 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2243% | 2,477 |
| Cost of funding earning assets | 0.3874% | 3,289 |
| Net interest margin | 3.8369% | 2,248 |
| Noninterest income to average assets | 0.8414% | 1,635 |
| Noninterest expense to average assets | 2.3845% | 4,550 |
| Loan and lease loss provision to assets | 0.1088% | 2,176 |
| Net operating income to assets | 1.2653% | 1,353 |
| Return on assets (ROA) | 1.2744% | 1,381 |
| Pretax return on assets | 1.8794% | 684 |
| Return on Equity (ROE) | 10.1789% | 1,940 |
| Retained earnings to average equity (ytd only) | 4.9157% | 2,483 |
| Net charge-offs to loans | 0.1392% | 1,960 |
| Credit loss provision to net charge-offs | 134.0206% | 1,959 |
| Earnings coverage of net charge-offs (x) | 24.3299% | 1,680 |
| Efficiency ratio | 54.6981% | 5,472 |
| Assets per employee ($millions) | 3.9367% | 4,053 |
| Cash dividends to net income (ytd only)* | 51.7072% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 3,178 |
| Loan loss allowance to noncurrent loans | 86.2406% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.0685% | 2,054 |
| Noncurrent loans to loans | 1.4487% | 1,613 |
| Net loans and leases to total assets | 62.9208% | 3,428 |
| Net loans and leases to deposits | 72.9568% | 3,618 |
| Net loans and leases to core deposits | 78.3301% | 3,510 |
| Total domestic deposits to total assets | 86.2440% | 2,516 |
| Equity capital to assets | 12.5175% | 1,616 |
| Core capital (leverage) ratio | 12.7289% | 1,250 |
| Tier 1 risk-based capital ratio | 20.7891% | 1,332 |
| Total risk-based capital ratio | 22.0409% | 1,310 |
| Memoranda: | ||
| Average total assets | $239,006,800 | 2,587 |
| Average earning assets | $219,134,800 | 2,595 |
| Average equity | $29,924,600 | 2,324 |
| Average total loans | $139,349,800 | 2,730 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1402% | 2,778 |
| Cost of funding earning assets | 0.3940% | 3,283 |
| Net interest margin | 3.7463% | 2,576 |
| Noninterest income to average assets | 0.8227% | 1,717 |
| Noninterest expense to average assets | 2.2865% | 4,814 |
| Loan and lease loss provision to assets | 0.1038% | 2,127 |
| Net operating income to assets | 1.2547% | 1,468 |
| Return on assets (ROA) | 1.2652% | 1,494 |
| Pretax return on assets | 1.8827% | 753 |
| Return on Equity (ROE) | 10.1046% | 2,065 |
| Retained earnings to average equity (ytd only) | 7.1933% | 1,604 |
| Net charge-offs to loans | 0.1409% | 1,710 |
| Credit loss provision to net charge-offs | 129.3706% | 1,884 |
| Earnings coverage of net charge-offs (x) | 24.5737% | 1,687 |
| Efficiency ratio | 53.7083% | 5,543 |
| Assets per employee ($millions) | 3.7986% | 4,266 |
| Cash dividends to net income (ytd only)* | 28.8123% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 3,227 |
| Loan loss allowance to noncurrent loans | 98.4103% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.2081% | 1,953 |
| Noncurrent loans to loans | 1.2971% | 1,970 |
| Net loans and leases to total assets | 62.0179% | 3,605 |
| Net loans and leases to deposits | 72.1273% | 3,750 |
| Net loans and leases to core deposits | 77.6635% | 3,637 |
| Total domestic deposits to total assets | 85.9839% | 2,525 |
| Equity capital to assets | 12.8306% | 1,544 |
| Core capital (leverage) ratio | 12.8284% | 1,260 |
| Tier 1 risk-based capital ratio | 21.1017% | 1,327 |
| Total risk-based capital ratio | 22.4615% | 1,290 |
| Memoranda: | ||
| Average total assets | $237,739,750 | 2,607 |
| Average earning assets | $217,954,000 | 2,622 |
| Average equity | $29,767,750 | 2,342 |
| Average total loans | $135,308,000 | 2,810 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9992% | 3,289 |
| Cost of funding earning assets | 0.3991% | 3,284 |
| Net interest margin | 3.6001% | 3,094 |
| Noninterest income to average assets | 0.7858% | 1,842 |
| Noninterest expense to average assets | 2.2621% | 4,944 |
| Loan and lease loss provision to assets | 0.1012% | 2,143 |
| Net operating income to assets | 1.1600% | 1,745 |
| Return on assets (ROA) | 1.1753% | 1,748 |
| Pretax return on assets | 1.7461% | 989 |
| Return on Equity (ROE) | 9.4652% | 2,316 |
| Retained earnings to average equity (ytd only) | 5.0517% | 2,829 |
| Net charge-offs to loans | 0.1903% | 1,318 |
| Credit loss provision to net charge-offs | 96.7742% | 2,114 |
| Earnings coverage of net charge-offs (x) | 17.4516% | 1,856 |
| Efficiency ratio | 55.3538% | 5,487 |
| Assets per employee ($millions) | 3.9947% | 3,895 |
| Cash dividends to net income (ytd only)* | 46.6284% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 3,067 |
| Loan loss allowance to noncurrent loans | 90.6144% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.2550% | 1,999 |
| Noncurrent loans to loans | 1.4706% | 1,803 |
| Net loans and leases to total assets | 57.8605% | 4,117 |
| Net loans and leases to deposits | 67.1262% | 4,214 |
| Net loans and leases to core deposits | 72.0618% | 4,128 |
| Total domestic deposits to total assets | 86.1966% | 2,582 |
| Equity capital to assets | 12.3782% | 1,746 |
| Core capital (leverage) ratio | 12.4602% | 1,400 |
| Tier 1 risk-based capital ratio | 21.3019% | 1,309 |
| Total risk-based capital ratio | 22.6703% | 1,273 |
| Memoranda: | ||
| Average total assets | $237,216,330 | 2,635 |
| Average earning assets | $217,493,330 | 2,644 |
| Average equity | $29,455,330 | 2,381 |
| Average total loans | $130,299,330 | 2,907 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8398% | 3,861 |
| Cost of funding earning assets | 0.4069% | 3,230 |
| Net interest margin | 3.4329% | 3,699 |
| Noninterest income to average assets | 0.7306% | 2,016 |
| Noninterest expense to average assets | 2.2713% | 4,948 |
| Loan and lease loss provision to assets | 0.1017% | 2,002 |
| Net operating income to assets | 1.0164% | 2,189 |
| Return on assets (ROA) | 1.0475% | 2,189 |
| Pretax return on assets | 1.5493% | 1,395 |
| Return on Equity (ROE) | 8.4228% | 2,737 |
| Retained earnings to average equity (ytd only) | 8.4228% | 1,404 |
| Net charge-offs to loans | 0.2716% | 881 |
| Credit loss provision to net charge-offs | 70.5882% | 1,911 |
| Earnings coverage of net charge-offs (x) | 11.1412% | 1,885 |
| Efficiency ratio | 58.5920% | 5,267 |
| Assets per employee ($millions) | 4.0685% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4537% | 2,659 |
| Loan loss allowance to noncurrent loans | 80.6620% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.3527% | 1,967 |
| Noncurrent loans to loans | 1.8023% | 1,506 |
| Net loans and leases to total assets | 52.3004% | 4,636 |
| Net loans and leases to deposits | 60.4487% | 4,708 |
| Net loans and leases to core deposits | 64.6597% | 4,641 |
| Total domestic deposits to total assets | 86.5204% | 2,658 |
| Equity capital to assets | 12.3698% | 1,773 |
| Core capital (leverage) ratio | 12.5733% | 1,330 |
| Tier 1 risk-based capital ratio | 23.3555% | 1,069 |
| Total risk-based capital ratio | 24.6084% | 1,041 |
| Memoranda: | ||
| Average total assets | $235,984,500 | 2,666 |
| Average earning assets | $216,262,500 | 2,674 |
| Average equity | $29,349,000 | 2,406 |
| Average total loans | $125,172,500 | 2,996 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7948% | 4,508 |
| Cost of funding earning assets | 0.4642% | 3,032 |
| Net interest margin | 3.3307% | 4,473 |
| Noninterest income to average assets | 0.7490% | 2,078 |
| Noninterest expense to average assets | 2.1470% | 5,460 |
| Loan and lease loss provision to assets | 0.1083% | 2,352 |
| Net operating income to assets | 1.0520% | 2,152 |
| Return on assets (ROA) | 1.0523% | 2,219 |
| Pretax return on assets | 1.5436% | 1,405 |
| Return on Equity (ROE) | 8.5445% | 2,814 |
| Retained earnings to average equity (ytd only) | 4.1438% | 3,251 |
| Net charge-offs to loans | 0.1611% | 2,419 |
| Credit loss provision to net charge-offs | 130.2083% | 1,831 |
| Earnings coverage of net charge-offs (x) | 19.8542% | 1,751 |
| Efficiency ratio | 56.5237% | 5,618 |
| Assets per employee ($millions) | 4.0689% | 3,786 |
| Cash dividends to net income (ytd only)* | 51.5027% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5266% | 2,355 |
| Loan loss allowance to noncurrent loans | 71.6960% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 1.5501% | 1,745 |
| Noncurrent loans to loans | 2.1293% | 1,274 |
| Net loans and leases to total assets | 52.2031% | 4,765 |
| Net loans and leases to deposits | 60.5402% | 4,856 |
| Net loans and leases to core deposits | 65.2524% | 4,725 |
| Total domestic deposits to total assets | 86.2287% | 2,706 |
| Equity capital to assets | 12.5062% | 1,648 |
| Core capital (leverage) ratio | 12.6310% | 1,295 |
| Tier 1 risk-based capital ratio | 22.0074% | 1,222 |
| Total risk-based capital ratio | 23.2599% | 1,199 |
| Memoranda: | ||
| Average total assets | $230,830,800 | 2,689 |
| Average earning assets | $211,339,800 | 2,694 |
| Average equity | $28,427,800 | 2,380 |
| Average total loans | $119,156,000 | 3,063 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7590% | 4,682 |
| Cost of funding earning assets | 0.4621% | 3,132 |
| Net interest margin | 3.2969% | 4,617 |
| Noninterest income to average assets | 0.7396% | 2,141 |
| Noninterest expense to average assets | 2.1322% | 5,500 |
| Loan and lease loss provision to assets | 0.1099% | 2,212 |
| Net operating income to assets | 1.0105% | 2,409 |
| Return on assets (ROA) | 1.0109% | 2,462 |
| Pretax return on assets | 1.5186% | 1,588 |
| Return on Equity (ROE) | 8.2402% | 3,074 |
| Retained earnings to average equity (ytd only) | 5.4117% | 2,819 |
| Net charge-offs to loans | 0.2177% | 1,732 |
| Credit loss provision to net charge-offs | 98.4456% | 2,267 |
| Earnings coverage of net charge-offs (x) | 14.5853% | 2,131 |
| Efficiency ratio | 56.7056% | 5,589 |
| Assets per employee ($millions) | 3.8749% | 4,135 |
| Cash dividends to net income (ytd only)* | 34.3249% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 2,696 |
| Loan loss allowance to noncurrent loans | 88.8454% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.3350% | 2,315 |
| Noncurrent loans to loans | 1.6904% | 1,926 |
| Net loans and leases to total assets | 52.0952% | 4,797 |
| Net loans and leases to deposits | 61.0088% | 4,850 |
| Net loans and leases to core deposits | 66.0366% | 4,710 |
| Total domestic deposits to total assets | 85.3896% | 3,166 |
| Equity capital to assets | 12.6665% | 1,600 |
| Core capital (leverage) ratio | 12.7294% | 1,291 |
| Tier 1 risk-based capital ratio | 22.3044% | 1,220 |
| Total risk-based capital ratio | 23.5565% | 1,204 |
| Memoranda: | ||
| Average total assets | $230,557,250 | 2,711 |
| Average earning assets | $211,222,500 | 2,717 |
| Average equity | $28,283,500 | 2,402 |
| Average total loans | $118,207,750 | 3,092 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7099% | 4,828 |
| Cost of funding earning assets | 0.4640% | 3,172 |
| Net interest margin | 3.2459% | 4,796 |
| Noninterest income to average assets | 0.6747% | 2,405 |
| Noninterest expense to average assets | 2.1098% | 5,606 |
| Loan and lease loss provision to assets | 0.1125% | 2,149 |
| Net operating income to assets | 0.9337% | 2,631 |
| Return on assets (ROA) | 0.9342% | 2,734 |
| Pretax return on assets | 1.4308% | 1,779 |
| Return on Equity (ROE) | 7.6982% | 3,267 |
| Retained earnings to average equity (ytd only) | 3.4214% | 4,020 |
| Net charge-offs to loans | 0.3393% | 1,198 |
| Credit loss provision to net charge-offs | 65.3266% | 2,547 |
| Earnings coverage of net charge-offs (x) | 8.9598% | 2,421 |
| Efficiency ratio | 57.7688% | 5,583 |
| Assets per employee ($millions) | 4.0177% | 3,800 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4688% | 3,036 |
| Loan loss allowance to noncurrent loans | 77.4336% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 1.3707% | 2,387 |
| Noncurrent loans to loans | 1.8969% | 1,806 |
| Net loans and leases to total assets | 51.2606% | 4,826 |
| Net loans and leases to deposits | 60.0056% | 4,869 |
| Net loans and leases to core deposits | 65.0919% | 4,724 |
| Total domestic deposits to total assets | 85.4264% | 3,316 |
| Equity capital to assets | 12.3549% | 1,738 |
| Core capital (leverage) ratio | 12.1269% | 1,586 |
| Tier 1 risk-based capital ratio | 22.2380% | 1,227 |
| Total risk-based capital ratio | 23.4901% | 1,207 |
| Memoranda: | ||
| Average total assets | $231,203,670 | 2,714 |
| Average earning assets | $212,083,330 | 2,718 |
| Average equity | $28,058,670 | 2,407 |
| Average total loans | $117,305,330 | 3,117 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6307% | 5,065 |
| Cost of funding earning assets | 0.4688% | 3,237 |
| Net interest margin | 3.1618% | 5,049 |
| Noninterest income to average assets | 0.6147% | 2,648 |
| Noninterest expense to average assets | 2.0697% | 5,742 |
| Loan and lease loss provision to assets | 0.1033% | 2,200 |
| Net operating income to assets | 0.8782% | 2,756 |
| Return on assets (ROA) | 0.8782% | 2,821 |
| Pretax return on assets | 1.3448% | 1,934 |
| Return on Equity (ROE) | 7.3011% | 3,312 |
| Retained earnings to average equity (ytd only) | 7.3011% | 1,906 |
| Net charge-offs to loans | 0.5774% | 637 |
| Credit loss provision to net charge-offs | 35.7143% | 2,345 |
| Earnings coverage of net charge-offs (x) | 5.0060% | 2,442 |
| Efficiency ratio | 58.8350% | 5,561 |
| Assets per employee ($millions) | 4.0896% | 3,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 3,297 |
| Loan loss allowance to noncurrent loans | 75.3081% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 1.3748% | 2,571 |
| Noncurrent loans to loans | 1.9483% | 1,933 |
| Net loans and leases to total assets | 48.4416% | 5,065 |
| Net loans and leases to deposits | 56.2735% | 5,094 |
| Net loans and leases to core deposits | 60.8801% | 4,967 |
| Total domestic deposits to total assets | 86.0825% | 3,325 |
| Equity capital to assets | 11.8943% | 1,947 |
| Core capital (leverage) ratio | 12.1389% | 1,585 |
| Tier 1 risk-based capital ratio | 22.0155% | 1,292 |
| Total risk-based capital ratio | 23.2671% | 1,268 |
| Memoranda: | ||
| Average total assets | $232,300,500 | 2,721 |
| Average earning assets | $213,293,000 | 2,719 |
| Average equity | $27,941,000 | 2,409 |
| Average total loans | $116,387,000 | 3,147 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6570% | 5,257 |
| Cost of funding earning assets | 0.5444% | 3,157 |
| Net interest margin | 3.1127% | 5,277 |
| Noninterest income to average assets | 0.7558% | 2,263 |
| Noninterest expense to average assets | 1.9726% | 6,074 |
| Loan and lease loss provision to assets | 0.0966% | 3,190 |
| Net operating income to assets | 1.0667% | 2,052 |
| Return on assets (ROA) | 1.0667% | 2,134 |
| Pretax return on assets | 1.5539% | 1,287 |
| Return on Equity (ROE) | 9.0072% | 2,532 |
| Retained earnings to average equity (ytd only) | 4.3652% | 3,072 |
| Net charge-offs to loans | 0.0868% | 3,988 |
| Credit loss provision to net charge-offs | 221.7822% | 1,031 |
| Earnings coverage of net charge-offs (x) | 37.9010% | 989 |
| Efficiency ratio | 54.4448% | 6,096 |
| Assets per employee ($millions) | 4.0608% | 3,734 |
| Cash dividends to net income (ytd only)* | 51.5360% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5659% | 2,899 |
| Loan loss allowance to noncurrent loans | 75.5399% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 1.4938% | 2,483 |
| Noncurrent loans to loans | 2.0730% | 1,913 |
| Net loans and leases to total assets | 50.2814% | 5,054 |
| Net loans and leases to deposits | 58.7596% | 5,055 |
| Net loans and leases to core deposits | 63.7390% | 4,892 |
| Total domestic deposits to total assets | 85.5715% | 3,473 |
| Equity capital to assets | 12.1673% | 1,704 |
| Core capital (leverage) ratio | 12.2091% | 1,489 |
| Tier 1 risk-based capital ratio | 22.3714% | 1,195 |
| Total risk-based capital ratio | 23.6244% | 1,173 |
| Memoranda: | ||
| Average total assets | $231,925,600 | 2,703 |
| Average earning assets | $213,643,600 | 2,682 |
| Average equity | $27,467,000 | 2,418 |
| Average total loans | $116,326,600 | 3,123 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6396% | 5,332 |
| Cost of funding earning assets | 0.5569% | 3,193 |
| Net interest margin | 3.0827% | 5,370 |
| Noninterest income to average assets | 0.7346% | 2,440 |
| Noninterest expense to average assets | 1.9869% | 6,032 |
| Loan and lease loss provision to assets | 0.0927% | 3,223 |
| Net operating income to assets | 1.0189% | 2,299 |
| Return on assets (ROA) | 1.0189% | 2,388 |
| Pretax return on assets | 1.4989% | 1,609 |
| Return on Equity (ROE) | 8.6612% | 2,802 |
| Retained earnings to average equity (ytd only) | 6.8376% | 1,953 |
| Net charge-offs to loans | 0.0894% | 3,678 |
| Credit loss provision to net charge-offs | 207.6923% | 1,165 |
| Earnings coverage of net charge-offs (x) | 35.6658% | 1,088 |
| Efficiency ratio | 55.5236% | 5,969 |
| Assets per employee ($millions) | 3.9898% | 3,848 |
| Cash dividends to net income (ytd only)* | 21.0557% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 3,402 |
| Loan loss allowance to noncurrent loans | 62.1075% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 1.4423% | 2,789 |
| Noncurrent loans to loans | 2.4356% | 1,794 |
| Net loans and leases to total assets | 50.9599% | 5,009 |
| Net loans and leases to deposits | 59.5591% | 5,024 |
| Net loans and leases to core deposits | 64.7838% | 4,817 |
| Total domestic deposits to total assets | 85.5620% | 3,465 |
| Equity capital to assets | 12.2421% | 1,753 |
| Core capital (leverage) ratio | 12.2661% | 1,538 |
| Tier 1 risk-based capital ratio | 22.4170% | 1,245 |
| Total risk-based capital ratio | 23.6697% | 1,220 |
| Memoranda: | ||
| Average total assets | $233,056,000 | 2,704 |
| Average earning assets | $214,998,000 | 2,685 |
| Average equity | $27,416,500 | 2,448 |
| Average total loans | $116,368,000 | 3,135 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5900% | 5,469 |
| Cost of funding earning assets | 0.5683% | 3,234 |
| Net interest margin | 3.0216% | 5,514 |
| Noninterest income to average assets | 0.7543% | 2,394 |
| Noninterest expense to average assets | 1.9665% | 6,104 |
| Loan and lease loss provision to assets | 0.0868% | 3,343 |
| Net operating income to assets | 1.0292% | 2,206 |
| Return on assets (ROA) | 1.0292% | 2,324 |
| Pretax return on assets | 1.4889% | 1,653 |
| Return on Equity (ROE) | 8.8653% | 2,670 |
| Retained earnings to average equity (ytd only) | 6.1155% | 2,367 |
| Net charge-offs to loans | 0.0656% | 3,765 |
| Credit loss provision to net charge-offs | 268.4211% | 942 |
| Earnings coverage of net charge-offs (x) | 48.7105% | 815 |
| Efficiency ratio | 55.5155% | 6,018 |
| Assets per employee ($millions) | 4.0678% | 3,649 |
| Cash dividends to net income (ytd only)* | 31.0174% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5375% | 3,412 |
| Loan loss allowance to noncurrent loans | 53.7569% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 1.5906% | 2,730 |
| Noncurrent loans to loans | 2.8600% | 1,579 |
| Net loans and leases to total assets | 48.6119% | 5,271 |
| Net loans and leases to deposits | 56.5902% | 5,283 |
| Net loans and leases to core deposits | 61.8163% | 5,112 |
| Total domestic deposits to total assets | 85.9017% | 3,424 |
| Equity capital to assets | 11.7913% | 2,062 |
| Core capital (leverage) ratio | 11.5915% | 1,861 |
| Tier 1 risk-based capital ratio | 22.6711% | 1,189 |
| Total risk-based capital ratio | 23.9242% | 1,164 |
| Memoranda: | ||
| Average total assets | $234,934,670 | 2,699 |
| Average earning assets | $216,770,000 | 2,677 |
| Average equity | $27,275,000 | 2,466 |
| Average total loans | $115,933,000 | 3,148 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5629% | 5,549 |
| Cost of funding earning assets | 0.5728% | 3,353 |
| Net interest margin | 2.9901% | 5,597 |
| Noninterest income to average assets | 0.7324% | 2,416 |
| Noninterest expense to average assets | 1.9267% | 6,240 |
| Loan and lease loss provision to assets | 0.0694% | 3,473 |
| Net operating income to assets | 1.0386% | 2,078 |
| Return on assets (ROA) | 1.0386% | 2,187 |
| Pretax return on assets | 1.5004% | 1,549 |
| Return on Equity (ROE) | 9.0153% | 2,485 |
| Retained earnings to average equity (ytd only) | 8.6483% | 1,507 |
| Net charge-offs to loans | 0.1783% | 2,320 |
| Credit loss provision to net charge-offs | 78.8462% | 2,170 |
| Earnings coverage of net charge-offs (x) | 17.8462% | 1,291 |
| Efficiency ratio | 55.1040% | 6,144 |
| Assets per employee ($millions) | 4.1644% | 3,600 |
| Cash dividends to net income (ytd only)* | 4.0717% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 3,900 |
| Loan loss allowance to noncurrent loans | 50.3286% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 1.5070% | 2,993 |
| Noncurrent loans to loans | 2.9412% | 1,707 |
| Net loans and leases to total assets | 46.4297% | 5,394 |
| Net loans and leases to deposits | 53.6630% | 5,460 |
| Net loans and leases to core deposits | 59.6637% | 5,178 |
| Total domestic deposits to total assets | 86.5209% | 3,222 |
| Equity capital to assets | 11.3949% | 2,524 |
| Core capital (leverage) ratio | 11.5622% | 1,839 |
| Tier 1 risk-based capital ratio | 22.4074% | 1,260 |
| Total risk-based capital ratio | 23.6595% | 1,238 |
| Memoranda: | ||
| Average total assets | $236,469,500 | 2,714 |
| Average earning assets | $218,587,000 | 2,683 |
| Average equity | $27,242,500 | 2,508 |
| Average total loans | $116,662,500 | 3,150 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1751% | 4,678 |
| Cost of funding earning assets | 0.6688% | 3,749 |
| Net interest margin | 3.5063% | 4,478 |
| Noninterest income to average assets | 0.6827% | 2,817 |
| Noninterest expense to average assets | 2.2481% | 5,816 |
| Loan and lease loss provision to assets | 0.0089% | 5,809 |
| Net operating income to assets | 1.0614% | 2,083 |
| Return on assets (ROA) | 1.0614% | 2,272 |
| Pretax return on assets | 1.5503% | 1,517 |
| Return on Equity (ROE) | 8.9628% | 2,657 |
| Retained earnings to average equity (ytd only) | 4.2712% | 3,221 |
| Net charge-offs to loans | 0.0981% | 4,682 |
| Credit loss provision to net charge-offs | 17.6991% | 5,309 |
| Earnings coverage of net charge-offs (x) | 31.0442% | 980 |
| Efficiency ratio | 59.0474% | 5,696 |
| Assets per employee ($millions) | 3.9897% | 3,969 |
| Cash dividends to net income (ytd only)* | 52.3451% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 4,078 |
| Loan loss allowance to noncurrent loans | 53.6030% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 1.3963% | 3,302 |
| Noncurrent loans to loans | 2.6478% | 1,999 |
| Net loans and leases to total assets | 50.9066% | 5,049 |
| Net loans and leases to deposits | 59.1779% | 5,112 |
| Net loans and leases to core deposits | 65.5276% | 4,789 |
| Total domestic deposits to total assets | 86.0230% | 3,356 |
| Equity capital to assets | 11.6516% | 2,302 |
| Core capital (leverage) ratio | 11.7019% | 1,731 |
| Tier 1 risk-based capital ratio | 21.4206% | 1,376 |
| Total risk-based capital ratio | 22.6727% | 1,350 |
| Memoranda: | ||
| Average total assets | $224,986,600 | 2,785 |
| Average earning assets | $200,498,600 | 2,840 |
| Average equity | $26,643,600 | 2,511 |
| Average total loans | $115,187,600 | 3,184 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2527% | 4,637 |
| Cost of funding earning assets | 0.6909% | 3,845 |
| Net interest margin | 3.5618% | 4,390 |
| Noninterest income to average assets | 0.7843% | 2,311 |
| Noninterest expense to average assets | 2.1887% | 5,976 |
| Loan and lease loss provision to assets | 0.0806% | 4,627 |
| Net operating income to assets | 1.1436% | 1,935 |
| Return on assets (ROA) | 1.1436% | 2,128 |
| Pretax return on assets | 1.6599% | 1,391 |
| Return on Equity (ROE) | 9.6168% | 2,537 |
| Retained earnings to average equity (ytd only) | 7.1072% | 2,057 |
| Net charge-offs to loans | 0.0631% | 4,791 |
| Credit loss provision to net charge-offs | 250.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 53.9986% | 715 |
| Efficiency ratio | 55.7041% | 6,087 |
| Assets per employee ($millions) | 3.7930% | 4,315 |
| Cash dividends to net income (ytd only)* | 26.0961% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6131% | 3,466 |
| Loan loss allowance to noncurrent loans | 55.7045% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 1.6127% | 3,176 |
| Noncurrent loans to loans | 2.8957% | 1,930 |
| Net loans and leases to total assets | 50.9681% | 5,191 |
| Net loans and leases to deposits | 59.6487% | 5,245 |
| Net loans and leases to core deposits | 65.9228% | 4,962 |
| Total domestic deposits to total assets | 85.4472% | 3,546 |
| Equity capital to assets | 12.2023% | 2,112 |
| Core capital (leverage) ratio | 12.1048% | 1,592 |
| Tier 1 risk-based capital ratio | 21.7043% | 1,379 |
| Total risk-based capital ratio | 22.9575% | 1,357 |
| Memoranda: | ||
| Average total assets | $223,382,750 | 2,818 |
| Average earning assets | $197,235,250 | 2,894 |
| Average equity | $26,564,000 | 2,538 |
| Average total loans | $114,110,750 | 3,233 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3105% | 4,525 |
| Cost of funding earning assets | 0.7119% | 3,924 |
| Net interest margin | 3.5986% | 4,268 |
| Noninterest income to average assets | 0.7041% | 2,641 |
| Noninterest expense to average assets | 2.1671% | 6,086 |
| Loan and lease loss provision to assets | 0.0538% | 4,989 |
| Net operating income to assets | 1.1019% | 2,038 |
| Return on assets (ROA) | 1.1019% | 2,259 |
| Pretax return on assets | 1.6305% | 1,456 |
| Return on Equity (ROE) | 9.3478% | 2,651 |
| Retained earnings to average equity (ytd only) | 5.5479% | 2,964 |
| Net charge-offs to loans | 0.0423% | 4,785 |
| Credit loss provision to net charge-offs | 250.0000% | 1,149 |
| Earnings coverage of net charge-offs (x) | 78.3333% | 520 |
| Efficiency ratio | 56.2689% | 6,084 |
| Assets per employee ($millions) | 3.8008% | 4,314 |
| Cash dividends to net income (ytd only)* | 40.6504% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6036% | 3,590 |
| Loan loss allowance to noncurrent loans | 50.9492% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 1.7062% | 3,162 |
| Noncurrent loans to loans | 3.1474% | 1,859 |
| Net loans and leases to total assets | 49.9380% | 5,365 |
| Net loans and leases to deposits | 58.3870% | 5,409 |
| Net loans and leases to core deposits | 65.1968% | 5,089 |
| Total domestic deposits to total assets | 85.5293% | 3,589 |
| Equity capital to assets | 11.8629% | 2,255 |
| Core capital (leverage) ratio | 11.6132% | 1,828 |
| Tier 1 risk-based capital ratio | 22.2845% | 1,239 |
| Total risk-based capital ratio | 23.5385% | 1,219 |
| Memoranda: | ||
| Average total assets | $223,248,670 | 2,837 |
| Average earning assets | $195,244,330 | 2,935 |
| Average equity | $26,316,330 | 2,547 |
| Average total loans | $113,504,670 | 3,260 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2957% | 4,755 |
| Cost of funding earning assets | 0.7126% | 4,176 |
| Net interest margin | 3.5831% | 4,338 |
| Noninterest income to average assets | 0.7722% | 2,287 |
| Noninterest expense to average assets | 2.1423% | 6,172 |
| Loan and lease loss provision to assets | 0.1077% | 4,006 |
| Net operating income to assets | 1.1690% | 1,829 |
| Return on assets (ROA) | 1.1690% | 2,009 |
| Pretax return on assets | 1.7185% | 1,259 |
| Return on Equity (ROE) | 9.9490% | 2,422 |
| Retained earnings to average equity (ytd only) | 9.9490% | 1,280 |
| Net charge-offs to loans | 0.0071% | 4,640 |
| Credit loss provision to net charge-offs | 3,000.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 508.5000% | 49 |
| Efficiency ratio | 53.9819% | 6,352 |
| Assets per employee ($millions) | 3.8514% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6387% | 3,581 |
| Loan loss allowance to noncurrent loans | 53.4742% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 1.7418% | 3,249 |
| Noncurrent loans to loans | 3.0644% | 2,099 |
| Net loans and leases to total assets | 48.7891% | 5,456 |
| Net loans and leases to deposits | 56.8380% | 5,508 |
| Net loans and leases to core deposits | 62.5725% | 5,266 |
| Total domestic deposits to total assets | 85.8389% | 3,622 |
| Equity capital to assets | 11.6597% | 2,294 |
| Core capital (leverage) ratio | 11.7235% | 1,752 |
| Tier 1 risk-based capital ratio | 22.0057% | 1,283 |
| Total risk-based capital ratio | 23.2597% | 1,254 |
| Memoranda: | ||
| Average total assets | $222,750,000 | 2,853 |
| Average earning assets | $198,711,500 | 2,911 |
| Average equity | $26,173,500 | 2,554 |
| Average total loans | $113,352,500 | 3,290 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6209% | 4,586 |
| Cost of funding earning assets | 0.9404% | 3,783 |
| Net interest margin | 3.6805% | 4,387 |
| Noninterest income to average assets | 0.7281% | 2,458 |
| Noninterest expense to average assets | 2.2988% | 6,041 |
| Loan and lease loss provision to assets | 0.1470% | 4,774 |
| Net operating income to assets | 1.0050% | 2,178 |
| Return on assets (ROA) | 1.0193% | 2,278 |
| Pretax return on assets | 1.5612% | 1,309 |
| Return on Equity (ROE) | 8.5305% | 2,662 |
| Retained earnings to average equity (ytd only) | 5.6217% | 2,231 |
| Net charge-offs to loans | 0.2197% | 4,412 |
| Credit loss provision to net charge-offs | 123.2000% | 2,560 |
| Earnings coverage of net charge-offs (x) | 14.1280% | 1,483 |
| Efficiency ratio | 57.6854% | 6,089 |
| Assets per employee ($millions) | 3.6994% | 4,552 |
| Cash dividends to net income (ytd only)* | 34.0984% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5694% | 3,712 |
| Loan loss allowance to noncurrent loans | 51.6008% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 1.9563% | 3,026 |
| Noncurrent loans to loans | 3.0414% | 2,131 |
| Net loans and leases to total assets | 51.4068% | 5,400 |
| Net loans and leases to deposits | 60.2895% | 5,453 |
| Net loans and leases to core deposits | 66.3778% | 5,215 |
| Total domestic deposits to total assets | 85.2665% | 3,712 |
| Equity capital to assets | 11.8443% | 2,246 |
| Core capital (leverage) ratio | 11.8654% | 1,676 |
| Tier 1 risk-based capital ratio | 20.2588% | 1,580 |
| Total risk-based capital ratio | 19.4067% | 2,114 |
| Memoranda: | ||
| Average total assets | $209,454,400 | 2,948 |
| Average earning assets | $185,353,200 | 3,026 |
| Average equity | $25,027,800 | 2,580 |
| Average total loans | $113,768,600 | 3,296 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6144% | 4,813 |
| Cost of funding earning assets | 0.9907% | 3,742 |
| Net interest margin | 3.6237% | 4,681 |
| Noninterest income to average assets | 0.7456% | 2,339 |
| Noninterest expense to average assets | 2.2407% | 6,186 |
| Loan and lease loss provision to assets | 0.2946% | 3,167 |
| Net operating income to assets | 0.9618% | 2,478 |
| Return on assets (ROA) | 0.9618% | 2,640 |
| Pretax return on assets | 1.4127% | 1,907 |
| Return on Equity (ROE) | 8.0304% | 3,029 |
| Retained earnings to average equity (ytd only) | 6.5264% | 2,226 |
| Net charge-offs to loans | 0.3306% | 3,439 |
| Credit loss provision to net charge-offs | 162.4113% | 1,889 |
| Earnings coverage of net charge-offs (x) | 9.4114% | 2,053 |
| Efficiency ratio | 56.7541% | 6,179 |
| Assets per employee ($millions) | 3.5699% | 4,825 |
| Cash dividends to net income (ytd only)* | 18.7289% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6641% | 3,399 |
| Loan loss allowance to noncurrent loans | 52.9836% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 2.0947% | 3,036 |
| Noncurrent loans to loans | 3.1409% | 2,215 |
| Net loans and leases to total assets | 53.5573% | 5,232 |
| Net loans and leases to deposits | 63.0079% | 5,291 |
| Net loans and leases to core deposits | 69.5293% | 5,002 |
| Total domestic deposits to total assets | 85.0008% | 3,763 |
| Equity capital to assets | 12.2193% | 2,079 |
| Core capital (leverage) ratio | 12.1106% | 1,643 |
| Tier 1 risk-based capital ratio | 21.0453% | 1,445 |
| Total risk-based capital ratio | 20.0649% | 1,952 |
| Memoranda: | ||
| Average total assets | $207,251,750 | 2,992 |
| Average earning assets | $183,161,000 | 3,063 |
| Average equity | $24,821,750 | 2,599 |
| Average total loans | $113,712,750 | 3,324 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6353% | 4,818 |
| Cost of funding earning assets | 1.0263% | 3,774 |
| Net interest margin | 3.6090% | 4,692 |
| Noninterest income to average assets | 0.7015% | 2,545 |
| Noninterest expense to average assets | 2.2171% | 6,342 |
| Loan and lease loss provision to assets | 0.3862% | 2,479 |
| Net operating income to assets | 0.8713% | 2,762 |
| Return on assets (ROA) | 0.8713% | 2,857 |
| Pretax return on assets | 1.2817% | 2,198 |
| Return on Equity (ROE) | 7.3256% | 3,278 |
| Retained earnings to average equity (ytd only) | 5.0415% | 2,983 |
| Net charge-offs to loans | 0.4675% | 2,709 |
| Credit loss provision to net charge-offs | 150.1887% | 2,036 |
| Earnings coverage of net charge-offs (x) | 6.4868% | 2,390 |
| Efficiency ratio | 57.0679% | 6,286 |
| Assets per employee ($millions) | 3.5561% | 4,794 |
| Cash dividends to net income (ytd only)* | 31.1804% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6398% | 3,530 |
| Loan loss allowance to noncurrent loans | 63.4910% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.7864% | 3,527 |
| Noncurrent loans to loans | 2.5827% | 2,793 |
| Net loans and leases to total assets | 53.3486% | 5,379 |
| Net loans and leases to deposits | 62.6225% | 5,434 |
| Net loans and leases to core deposits | 68.7022% | 5,218 |
| Total domestic deposits to total assets | 85.1907% | 3,789 |
| Equity capital to assets | 11.9329% | 2,142 |
| Core capital (leverage) ratio | 11.7656% | 1,737 |
| Tier 1 risk-based capital ratio | 19.9997% | 1,608 |
| Total risk-based capital ratio | 19.1900% | 2,148 |
| Memoranda: | ||
| Average total assets | $206,127,330 | 3,020 |
| Average earning assets | $181,821,670 | 3,101 |
| Average equity | $24,516,670 | 2,607 |
| Average total loans | $113,379,000 | 3,373 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7399% | 4,332 |
| Cost of funding earning assets | 1.0627% | 3,769 |
| Net interest margin | 3.6771% | 4,216 |
| Noninterest income to average assets | 0.6481% | 2,861 |
| Noninterest expense to average assets | 2.1186% | 6,592 |
| Loan and lease loss provision to assets | 0.2898% | 2,831 |
| Net operating income to assets | 0.9790% | 2,250 |
| Return on assets (ROA) | 0.9790% | 2,310 |
| Pretax return on assets | 1.4646% | 1,558 |
| Return on Equity (ROE) | 8.2450% | 2,804 |
| Retained earnings to average equity (ytd only) | 8.2450% | 1,639 |
| Net charge-offs to loans | 0.1520% | 3,578 |
| Credit loss provision to net charge-offs | 344.1860% | 950 |
| Earnings coverage of net charge-offs (x) | 20.8372% | 1,098 |
| Efficiency ratio | 54.7017% | 6,628 |
| Assets per employee ($millions) | 3.5742% | 4,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6444% | 3,552 |
| Loan loss allowance to noncurrent loans | 87.1381% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 1.4041% | 4,175 |
| Noncurrent loans to loans | 1.8872% | 3,715 |
| Net loans and leases to total assets | 52.0742% | 5,575 |
| Net loans and leases to deposits | 61.0286% | 5,613 |
| Net loans and leases to core deposits | 67.6926% | 5,330 |
| Total domestic deposits to total assets | 85.3275% | 3,875 |
| Equity capital to assets | 11.6432% | 2,166 |
| Core capital (leverage) ratio | 12.0654% | 1,525 |
| Tier 1 risk-based capital ratio | 20.7162% | 1,445 |
| Total risk-based capital ratio | 19.9043% | 1,862 |
| Memoranda: | ||
| Average total assets | $204,287,500 | 3,063 |
| Average earning assets | $179,161,000 | 3,162 |
| Average equity | $24,257,000 | 2,619 |
| Average total loans | $113,171,000 | 3,412 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3377% | 2,944 |
| Cost of funding earning assets | 1.2978% | 3,896 |
| Net interest margin | 4.0399% | 2,839 |
| Noninterest income to average assets | 0.6902% | 2,900 |
| Noninterest expense to average assets | 2.5160% | 5,729 |
| Loan and lease loss provision to assets | 0.1323% | 5,852 |
| Net operating income to assets | 1.0582% | 1,844 |
| Return on assets (ROA) | 1.0582% | 1,938 |
| Pretax return on assets | 1.5753% | 1,187 |
| Return on Equity (ROE) | 8.6141% | 2,460 |
| Retained earnings to average equity (ytd only) | 6.2733% | 1,679 |
| Net charge-offs to loans | 0.0654% | 6,140 |
| Credit loss provision to net charge-offs | 337.3333% | 763 |
| Earnings coverage of net charge-offs (x) | 43.5467% | 534 |
| Efficiency ratio | 59.5692% | 6,111 |
| Assets per employee ($millions) | 3.3508% | 5,303 |
| Cash dividends to net income (ytd only)* | 27.1739% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5092% | 3,959 |
| Loan loss allowance to noncurrent loans | 71.3226% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.5377% | 4,003 |
| Noncurrent loans to loans | 2.1161% | 3,412 |
| Net loans and leases to total assets | 57.1390% | 5,159 |
| Net loans and leases to deposits | 66.6993% | 5,305 |
| Net loans and leases to core deposits | 72.8797% | 5,111 |
| Total domestic deposits to total assets | 85.6664% | 3,515 |
| Equity capital to assets | 12.1201% | 1,845 |
| Core capital (leverage) ratio | 12.2307% | 1,415 |
| Tier 1 risk-based capital ratio | 19.8062% | 1,522 |
| Total risk-based capital ratio | 19.5814% | 1,861 |
| Memoranda: | ||
| Average total assets | $191,259,600 | 3,210 |
| Average earning assets | $167,282,400 | 3,335 |
| Average equity | $23,496,400 | 2,702 |
| Average total loans | $114,707,600 | 3,434 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4276% | 2,752 |
| Cost of funding earning assets | 1.3340% | 4,019 |
| Net interest margin | 4.0936% | 2,652 |
| Noninterest income to average assets | 0.6981% | 2,823 |
| Noninterest expense to average assets | 2.4768% | 5,799 |
| Loan and lease loss provision to assets | 0.1497% | 5,539 |
| Net operating income to assets | 1.0883% | 1,929 |
| Return on assets (ROA) | 1.0883% | 2,043 |
| Pretax return on assets | 1.6570% | 1,196 |
| Return on Equity (ROE) | 8.8277% | 2,551 |
| Retained earnings to average equity (ytd only) | 7.4021% | 1,643 |
| Net charge-offs to loans | 0.0535% | 5,988 |
| Credit loss provision to net charge-offs | 463.0435% | 645 |
| Earnings coverage of net charge-offs (x) | 55.8712% | 519 |
| Efficiency ratio | 57.8204% | 6,295 |
| Assets per employee ($millions) | 3.4247% | 5,148 |
| Cash dividends to net income (ytd only)* | 16.1501% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 3,987 |
| Loan loss allowance to noncurrent loans | 71.7564% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.5471% | 4,127 |
| Noncurrent loans to loans | 2.0838% | 3,586 |
| Net loans and leases to total assets | 58.0453% | 5,260 |
| Net loans and leases to deposits | 67.2507% | 5,514 |
| Net loans and leases to core deposits | 76.5455% | 4,989 |
| Total domestic deposits to total assets | 86.3119% | 2,910 |
| Equity capital to assets | 12.3956% | 1,914 |
| Core capital (leverage) ratio | 12.2727% | 1,524 |
| Tier 1 risk-based capital ratio | 20.0831% | 1,529 |
| Total risk-based capital ratio | 20.1983% | 1,727 |
| Memoranda: | ||
| Average total assets | $189,650,250 | 3,278 |
| Average earning assets | $166,108,750 | 3,386 |
| Average equity | $23,380,250 | 2,764 |
| Average total loans | $114,711,250 | 3,482 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4326% | 2,829 |
| Cost of funding earning assets | 1.3551% | 4,161 |
| Net interest margin | 4.0775% | 2,670 |
| Noninterest income to average assets | 0.6539% | 2,993 |
| Noninterest expense to average assets | 2.4878% | 5,754 |
| Loan and lease loss provision to assets | 0.1310% | 5,573 |
| Net operating income to assets | 1.0383% | 2,053 |
| Return on assets (ROA) | 1.0383% | 2,131 |
| Pretax return on assets | 1.6049% | 1,291 |
| Return on Equity (ROE) | 8.4386% | 2,694 |
| Retained earnings to average equity (ytd only) | 6.2749% | 2,185 |
| Net charge-offs to loans | 0.0419% | 5,789 |
| Credit loss provision to net charge-offs | 512.5000% | 723 |
| Earnings coverage of net charge-offs (x) | 67.9167% | 460 |
| Efficiency ratio | 58.9007% | 6,242 |
| Assets per employee ($millions) | 3.3477% | 5,314 |
| Cash dividends to net income (ytd only)* | 25.6410% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4097% | 4,377 |
| Loan loss allowance to noncurrent loans | 51.7220% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 1.9679% | 3,532 |
| Noncurrent loans to loans | 2.7256% | 2,922 |
| Net loans and leases to total assets | 59.5024% | 5,156 |
| Net loans and leases to deposits | 68.7674% | 5,445 |
| Net loans and leases to core deposits | 76.4407% | 5,149 |
| Total domestic deposits to total assets | 86.5271% | 2,802 |
| Equity capital to assets | 12.1035% | 2,042 |
| Core capital (leverage) ratio | 12.0969% | 1,592 |
| Tier 1 risk-based capital ratio | 18.7234% | 1,786 |
| Total risk-based capital ratio | 18.9656% | 1,999 |
| Memoranda: | ||
| Average total assets | $187,798,330 | 3,339 |
| Average earning assets | $164,415,670 | 3,436 |
| Average equity | $23,108,000 | 2,786 |
| Average total loans | $114,605,670 | 3,519 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4799% | 2,690 |
| Cost of funding earning assets | 1.3781% | 4,315 |
| Net interest margin | 4.1018% | 2,430 |
| Noninterest income to average assets | 0.5763% | 3,446 |
| Noninterest expense to average assets | 2.5350% | 5,595 |
| Loan and lease loss provision to assets | 0.1300% | 5,270 |
| Net operating income to assets | 0.9403% | 2,391 |
| Return on assets (ROA) | 0.9403% | 2,454 |
| Pretax return on assets | 1.4842% | 1,558 |
| Return on Equity (ROE) | 7.5770% | 3,078 |
| Retained earnings to average equity (ytd only) | 7.5770% | 1,890 |
| Net charge-offs to loans | 0.0353% | 5,086 |
| Credit loss provision to net charge-offs | 600.0000% | 717 |
| Earnings coverage of net charge-offs (x) | 74.5000% | 418 |
| Efficiency ratio | 61.0966% | 5,984 |
| Assets per employee ($millions) | 3.3028% | 5,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 4,432 |
| Loan loss allowance to noncurrent loans | 50.9860% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 2.0355% | 3,457 |
| Noncurrent loans to loans | 2.7414% | 2,905 |
| Net loans and leases to total assets | 60.0663% | 5,111 |
| Net loans and leases to deposits | 69.5166% | 5,405 |
| Net loans and leases to core deposits | 76.9422% | 5,144 |
| Total domestic deposits to total assets | 86.4056% | 2,938 |
| Equity capital to assets | 12.2845% | 1,887 |
| Core capital (leverage) ratio | 12.5231% | 1,394 |
| Tier 1 risk-based capital ratio | 18.5389% | 1,825 |
| Total risk-based capital ratio | 18.8344% | 2,027 |
| Memoranda: | ||
| Average total assets | $184,614,000 | 3,437 |
| Average earning assets | $160,806,500 | 3,550 |
| Average equity | $22,911,500 | 2,829 |
| Average total loans | $113,315,500 | 3,613 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6580% | 3,305 |
| Cost of funding earning assets | 1.7778% | 4,113 |
| Net interest margin | 3.8802% | 3,351 |
| Noninterest income to average assets | 0.6683% | 3,169 |
| Noninterest expense to average assets | 2.6259% | 5,691 |
| Loan and lease loss provision to assets | 0.3129% | 4,944 |
| Net operating income to assets | 0.8452% | 2,370 |
| Return on assets (ROA) | 0.8534% | 2,419 |
| Pretax return on assets | 1.2093% | 1,928 |
| Return on Equity (ROE) | 7.1483% | 2,737 |
| Retained earnings to average equity (ytd only) | 6.3141% | 1,223 |
| Net charge-offs to loans | 0.3172% | 4,656 |
| Credit loss provision to net charge-offs | 160.6145% | 2,772 |
| Earnings coverage of net charge-offs (x) | 7.7542% | 2,083 |
| Efficiency ratio | 63.4785% | 5,875 |
| Assets per employee ($millions) | 3.2315% | 5,647 |
| Cash dividends to net income (ytd only)* | 11.6709% | 3,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 4,299 |
| Loan loss allowance to noncurrent loans | 52.9131% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 1.8346% | 3,618 |
| Noncurrent loans to loans | 2.6218% | 2,938 |
| Net loans and leases to total assets | 61.0021% | 5,193 |
| Net loans and leases to deposits | 70.8315% | 5,493 |
| Net loans and leases to core deposits | 94.8011% | 4,588 |
| Total domestic deposits to total assets | 86.1228% | 2,947 |
| Equity capital to assets | 12.5416% | 1,730 |
| Core capital (leverage) ratio | 12.6010% | 1,405 |
| Tier 1 risk-based capital ratio | 19.4873% | 1,564 |
| Total risk-based capital ratio | 19.9056% | 1,690 |
| Memoranda: | ||
| Average total assets | $183,746,000 | 3,372 |
| Average earning assets | $164,244,400 | 3,438 |
| Average equity | $21,935,200 | 2,952 |
| Average total loans | $112,852,000 | 3,631 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6592% | 3,525 |
| Cost of funding earning assets | 1.8518% | 4,139 |
| Net interest margin | 3.8073% | 3,625 |
| Noninterest income to average assets | 0.6000% | 3,699 |
| Noninterest expense to average assets | 2.5388% | 5,941 |
| Loan and lease loss provision to assets | 0.3202% | 4,422 |
| Net operating income to assets | 0.7892% | 2,862 |
| Return on assets (ROA) | 0.7995% | 2,882 |
| Pretax return on assets | 1.1805% | 2,322 |
| Return on Equity (ROE) | 6.7815% | 3,173 |
| Retained earnings to average equity (ytd only) | 6.7815% | 1,597 |
| Net charge-offs to loans | 0.2936% | 4,191 |
| Credit loss provision to net charge-offs | 177.9116% | 2,592 |
| Earnings coverage of net charge-offs (x) | 8.2530% | 2,280 |
| Efficiency ratio | 63.0860% | 5,910 |
| Assets per employee ($millions) | 3.0818% | 5,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3615% | 4,149 |
| Loan loss allowance to noncurrent loans | 51.1877% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 1.9290% | 3,458 |
| Noncurrent loans to loans | 2.6599% | 2,847 |
| Net loans and leases to total assets | 62.0112% | 5,242 |
| Net loans and leases to deposits | 72.0244% | 5,644 |
| Net loans and leases to core deposits | 97.5078% | 4,660 |
| Total domestic deposits to total assets | 86.0975% | 2,653 |
| Equity capital to assets | 12.6655% | 1,852 |
| Core capital (leverage) ratio | 12.4030% | 1,617 |
| Tier 1 risk-based capital ratio | 17.0497% | 2,262 |
| Total risk-based capital ratio | 17.4489% | 2,495 |
| Memoranda: | ||
| Average total assets | $184,441,000 | 3,397 |
| Average earning assets | $165,886,500 | 3,449 |
| Average equity | $21,745,000 | 3,007 |
| Average total loans | $113,078,500 | 3,651 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5187% | 4,518 |
| Cost of funding earning assets | 1.9379% | 4,074 |
| Net interest margin | 3.5808% | 4,443 |
| Noninterest income to average assets | 0.5302% | 4,184 |
| Noninterest expense to average assets | 2.4439% | 6,320 |
| Loan and lease loss provision to assets | 0.1878% | 5,154 |
| Net operating income to assets | 0.7706% | 2,967 |
| Return on assets (ROA) | 0.7706% | 3,073 |
| Pretax return on assets | 1.1291% | 2,541 |
| Return on Equity (ROE) | 6.6956% | 3,336 |
| Retained earnings to average equity (ytd only) | 6.6956% | 1,697 |
| Net charge-offs to loans | 0.0071% | 6,493 |
| Credit loss provision to net charge-offs | 4,375.0000% | 116 |
| Earnings coverage of net charge-offs (x) | 306.7500% | 125 |
| Efficiency ratio | 64.9829% | 5,723 |
| Assets per employee ($millions) | 3.0587% | 5,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 4,031 |
| Loan loss allowance to noncurrent loans | 39.0820% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 2.1431% | 3,002 |
| Noncurrent loans to loans | 3.4314% | 2,051 |
| Net loans and leases to total assets | 60.4111% | 5,611 |
| Net loans and leases to deposits | 69.5243% | 6,039 |
| Net loans and leases to core deposits | 93.8279% | 5,136 |
| Total domestic deposits to total assets | 86.8920% | 2,308 |
| Equity capital to assets | 11.9480% | 2,236 |
| Core capital (leverage) ratio | 11.6995% | 1,980 |
| Tier 1 risk-based capital ratio | 18.2317% | 1,947 |
| Total risk-based capital ratio | 18.6313% | 2,131 |
| Memoranda: | ||
| Average total assets | $186,339,670 | 3,388 |
| Average earning assets | $168,118,330 | 3,426 |
| Average equity | $21,447,000 | 3,042 |
| Average total loans | $113,314,000 | 3,693 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5093% | 4,861 |
| Cost of funding earning assets | 2.0347% | 3,959 |
| Net interest margin | 3.4746% | 4,828 |
| Noninterest income to average assets | 0.5646% | 3,796 |
| Noninterest expense to average assets | 2.3670% | 6,312 |
| Loan and lease loss provision to assets | 0.1491% | 5,022 |
| Net operating income to assets | 0.8096% | 3,091 |
| Return on assets (ROA) | 0.8096% | 3,249 |
| Pretax return on assets | 1.1846% | 2,673 |
| Return on Equity (ROE) | 7.1674% | 3,526 |
| Retained earnings to average equity (ytd only) | 7.1674% | 2,150 |
| Net charge-offs to loans | 0.0246% | 5,201 |
| Credit loss provision to net charge-offs | 1,000.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 89.4286% | 481 |
| Efficiency ratio | 63.9609% | 5,692 |
| Assets per employee ($millions) | 3.1619% | 5,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 4,341 |
| Loan loss allowance to noncurrent loans | 37.1754% | 6,072 |
| Noncurrent assets plus other real estate owned to assets | 2.0336% | 2,844 |
| Noncurrent loans to loans | 3.3902% | 1,892 |
| Net loans and leases to total assets | 57.9385% | 5,947 |
| Net loans and leases to deposits | 66.2264% | 6,358 |
| Net loans and leases to core deposits | 88.8671% | 5,661 |
| Total domestic deposits to total assets | 87.4854% | 1,976 |
| Equity capital to assets | 11.3175% | 2,707 |
| Core capital (leverage) ratio | 11.4990% | 2,148 |
| Tier 1 risk-based capital ratio | 17.7363% | 2,116 |
| Total risk-based capital ratio | 18.1448% | 2,305 |
| Memoranda: | ||
| Average total assets | $187,749,000 | 3,384 |
| Average earning assets | $169,459,500 | 3,432 |
| Average equity | $21,207,000 | 3,089 |
| Average total loans | $113,784,000 | 3,704 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3676% | 3,593 |
| Cost of funding earning assets | 2.4391% | 4,533 |
| Net interest margin | 3.9286% | 3,450 |
| Noninterest income to average assets | 0.8230% | 2,392 |
| Noninterest expense to average assets | 2.2814% | 6,752 |
| Loan and lease loss provision to assets | 0.1369% | 5,606 |
| Net operating income to assets | 1.2653% | 1,581 |
| Return on assets (ROA) | 1.1720% | 1,799 |
| Pretax return on assets | 1.8548% | 844 |
| Return on Equity (ROE) | 10.3721% | 2,132 |
| Retained earnings to average equity (ytd only) | 6.1639% | 1,460 |
| Net charge-offs to loans | 0.1497% | 4,712 |
| Credit loss provision to net charge-offs | 148.2143% | 3,558 |
| Earnings coverage of net charge-offs (x) | 23.1429% | 1,430 |
| Efficiency ratio | 51.6298% | 7,527 |
| Assets per employee ($millions) | 3.0964% | 5,773 |
| Cash dividends to net income (ytd only)* | 40.5722% | 3,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 4,901 |
| Loan loss allowance to noncurrent loans | 56.6836% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 1.3182% | 3,589 |
| Noncurrent loans to loans | 2.0336% | 2,722 |
| Net loans and leases to total assets | 61.8501% | 5,640 |
| Net loans and leases to deposits | 73.0009% | 5,949 |
| Net loans and leases to core deposits | 97.6303% | 5,083 |
| Total domestic deposits to total assets | 84.7252% | 2,964 |
| Equity capital to assets | 11.2728% | 2,829 |
| Core capital (leverage) ratio | 11.0747% | 2,532 |
| Tier 1 risk-based capital ratio | 13.6530% | 3,723 |
| Total risk-based capital ratio | 14.0035% | 4,178 |
| Memoranda: | ||
| Average total assets | $181,904,800 | 3,390 |
| Average earning assets | $166,498,200 | 3,377 |
| Average equity | $20,555,200 | 3,148 |
| Average total loans | $112,228,600 | 3,631 |