Home > The First National Bank of Santa Fe > Performance and Condition Ratios
The First National Bank of Santa Fe, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6864% | 4,149 |
| Cost of funding earning assets | 0.3473% | 3,562 |
| Net interest margin | 3.3392% | 3,886 |
| Noninterest income to average assets | 0.4801% | 3,115 |
| Noninterest expense to average assets | 2.8146% | 2,739 |
| Loan and lease loss provision to assets | -0.0137% | 5,663 |
| Net operating income to assets | 0.6192% | 4,069 |
| Return on assets (ROA) | 0.6192% | 4,123 |
| Pretax return on assets | 0.6192% | 4,686 |
| Return on Equity (ROE) | 3.9234% | 4,807 |
| Retained earnings to average equity (ytd only) | -1.9610% | 5,164 |
| Net charge-offs to loans | 0.1004% | 1,369 |
| Credit loss provision to net charge-offs | -23.1373% | 3,817 |
| Earnings coverage of net charge-offs (x) | 10.2275% | 1,952 |
| Efficiency ratio | 80.3340% | 1,345 |
| Assets per employee ($millions) | 7.7779% | 678 |
| Cash dividends to net income (ytd only)* | 149.9813% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 4,263 |
| Loan loss allowance to noncurrent loans | 387.5292% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.2268% | 4,313 |
| Noncurrent loans to loans | 0.2587% | 4,191 |
| Net loans and leases to total assets | 58.4544% | 3,930 |
| Net loans and leases to deposits | 70.0708% | 3,789 |
| Net loans and leases to core deposits | 78.4138% | 3,437 |
| Total domestic deposits to total assets | 83.4219% | 3,687 |
| Equity capital to assets | 16.1542% | 465 |
| Core capital (leverage) ratio | 11.4117% | 2,015 |
| Tier 1 risk-based capital ratio | 14.4787% | 3,214 |
| Total risk-based capital ratio | 15.2645% | 3,385 |
| Memoranda: | ||
| Average total assets | $1,722,878,000 | 468 |
| Average earning assets | $1,516,908,000 | 480 |
| Average equity | $271,905,500 | 350 |
| Average total loans | $1,016,366,000 | 530 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9058% | 3,550 |
| Cost of funding earning assets | 0.3453% | 3,579 |
| Net interest margin | 3.5605% | 3,218 |
| Noninterest income to average assets | 0.4553% | 3,508 |
| Noninterest expense to average assets | 3.1720% | 1,858 |
| Loan and lease loss provision to assets | 0.0297% | 3,760 |
| Net operating income to assets | 0.6079% | 4,175 |
| Return on assets (ROA) | 0.6932% | 3,922 |
| Pretax return on assets | 0.4864% | 5,050 |
| Return on Equity (ROE) | 4.5327% | 4,644 |
| Retained earnings to average equity (ytd only) | 4.5327% | 2,676 |
| Net charge-offs to loans | -0.0744% | 5,500 |
| Credit loss provision to net charge-offs | -68.1520% | 4,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0028% | 819 |
| Assets per employee ($millions) | 6.7394% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 4,409 |
| Loan loss allowance to noncurrent loans | 336.1075% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.2577% | 4,270 |
| Noncurrent loans to loans | 0.2933% | 4,097 |
| Net loans and leases to total assets | 58.3601% | 4,032 |
| Net loans and leases to deposits | 70.6527% | 3,840 |
| Net loans and leases to core deposits | 78.2148% | 3,556 |
| Total domestic deposits to total assets | 82.6013% | 3,894 |
| Equity capital to assets | 15.4280% | 577 |
| Core capital (leverage) ratio | 11.2733% | 2,108 |
| Tier 1 risk-based capital ratio | 14.3083% | 3,276 |
| Total risk-based capital ratio | 15.0989% | 3,461 |
| Memoranda: | ||
| Average total assets | $1,748,164,000 | 452 |
| Average earning assets | $1,545,407,600 | 454 |
| Average equity | $267,348,400 | 343 |
| Average total loans | $1,025,540,000 | 500 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9319% | 3,485 |
| Cost of funding earning assets | 0.3423% | 3,630 |
| Net interest margin | 3.5895% | 3,110 |
| Noninterest income to average assets | 0.3042% | 4,592 |
| Noninterest expense to average assets | 3.0557% | 2,139 |
| Loan and lease loss provision to assets | 0.1028% | 2,203 |
| Net operating income to assets | 0.5969% | 4,307 |
| Return on assets (ROA) | 0.7109% | 3,923 |
| Pretax return on assets | 0.4345% | 5,251 |
| Return on Equity (ROE) | 4.6591% | 4,663 |
| Retained earnings to average equity (ytd only) | 4.6591% | 3,049 |
| Net charge-offs to loans | 0.0004% | 3,947 |
| Credit loss provision to net charge-offs | 44,800.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 1,845.2875% | 33 |
| Efficiency ratio | 85.7165% | 845 |
| Assets per employee ($millions) | 6.5383% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 4,497 |
| Loan loss allowance to noncurrent loans | 1,452.9577% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 4,871 |
| Noncurrent loans to loans | 0.0677% | 5,075 |
| Net loans and leases to total assets | 58.5961% | 4,039 |
| Net loans and leases to deposits | 70.9992% | 3,888 |
| Net loans and leases to core deposits | 77.3185% | 3,721 |
| Total domestic deposits to total assets | 82.5307% | 3,768 |
| Equity capital to assets | 15.4413% | 641 |
| Core capital (leverage) ratio | 11.1653% | 2,301 |
| Tier 1 risk-based capital ratio | 14.0522% | 3,535 |
| Total risk-based capital ratio | 14.8441% | 3,718 |
| Memoranda: | ||
| Average total assets | $1,743,772,250 | 451 |
| Average earning assets | $1,542,268,000 | 450 |
| Average equity | $266,081,250 | 343 |
| Average total loans | $1,021,740,000 | 502 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9787% | 3,312 |
| Cost of funding earning assets | 0.3322% | 3,772 |
| Net interest margin | 3.6466% | 2,909 |
| Noninterest income to average assets | 0.3365% | 4,375 |
| Noninterest expense to average assets | 3.0694% | 2,140 |
| Loan and lease loss provision to assets | 0.0906% | 2,336 |
| Net operating income to assets | 0.3996% | 5,030 |
| Return on assets (ROA) | 0.5715% | 4,520 |
| Pretax return on assets | 0.5715% | 4,969 |
| Return on Equity (ROE) | 3.7606% | 4,998 |
| Retained earnings to average equity (ytd only) | 3.7606% | 3,499 |
| Net charge-offs to loans | -0.0656% | 5,469 |
| Credit loss provision to net charge-offs | -236.7470% | 4,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1491% | 1,036 |
| Assets per employee ($millions) | 6.1052% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 4,685 |
| Loan loss allowance to noncurrent loans | 182.8442% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.6808% | 2,956 |
| Noncurrent loans to loans | 0.5295% | 3,494 |
| Net loans and leases to total assets | 59.7587% | 3,915 |
| Net loans and leases to deposits | 73.7632% | 3,617 |
| Net loans and leases to core deposits | 79.3704% | 3,518 |
| Total domestic deposits to total assets | 81.0142% | 4,272 |
| Equity capital to assets | 15.5528% | 616 |
| Core capital (leverage) ratio | 10.9892% | 2,440 |
| Tier 1 risk-based capital ratio | 13.8860% | 3,671 |
| Total risk-based capital ratio | 14.6697% | 3,865 |
| Memoranda: | ||
| Average total assets | $1,734,402,000 | 453 |
| Average earning assets | $1,533,005,330 | 456 |
| Average equity | $263,574,670 | 345 |
| Average total loans | $1,012,796,330 | 503 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8281% | 3,848 |
| Cost of funding earning assets | 0.3167% | 3,988 |
| Net interest margin | 3.5114% | 3,426 |
| Noninterest income to average assets | 0.3299% | 4,371 |
| Noninterest expense to average assets | 3.2560% | 1,705 |
| Loan and lease loss provision to assets | 0.0564% | 2,815 |
| Net operating income to assets | 0.1130% | 5,660 |
| Return on assets (ROA) | 0.1429% | 5,675 |
| Pretax return on assets | 0.1429% | 5,699 |
| Return on Equity (ROE) | 0.9517% | 5,700 |
| Retained earnings to average equity (ytd only) | 0.9517% | 4,857 |
| Net charge-offs to loans | -0.0697% | 5,493 |
| Credit loss provision to net charge-offs | -140.8046% | 4,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8970% | 504 |
| Assets per employee ($millions) | 5.7696% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 4,956 |
| Loan loss allowance to noncurrent loans | 133.5893% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.8368% | 2,593 |
| Noncurrent loans to loans | 0.6952% | 3,108 |
| Net loans and leases to total assets | 58.6828% | 3,967 |
| Net loans and leases to deposits | 72.1932% | 3,632 |
| Net loans and leases to core deposits | 77.8826% | 3,500 |
| Total domestic deposits to total assets | 81.2858% | 4,409 |
| Equity capital to assets | 15.3483% | 628 |
| Core capital (leverage) ratio | 10.8595% | 2,558 |
| Tier 1 risk-based capital ratio | 13.1163% | 4,186 |
| Total risk-based capital ratio | 13.8235% | 4,447 |
| Memoranda: | ||
| Average total assets | $1,737,721,500 | 450 |
| Average earning assets | $1,531,924,500 | 456 |
| Average equity | $261,004,500 | 344 |
| Average total loans | $997,904,000 | 510 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2357% | 2,435 |
| Cost of funding earning assets | 0.3068% | 4,174 |
| Net interest margin | 3.9288% | 1,934 |
| Noninterest income to average assets | 0.2308% | 5,212 |
| Noninterest expense to average assets | 3.2473% | 1,843 |
| Loan and lease loss provision to assets | 0.1604% | 1,442 |
| Net operating income to assets | 0.2594% | 5,465 |
| Return on assets (ROA) | 0.2859% | 5,479 |
| Pretax return on assets | 0.2859% | 5,545 |
| Return on Equity (ROE) | 1.8742% | 5,597 |
| Retained earnings to average equity (ytd only) | 1.8742% | 4,660 |
| Net charge-offs to loans | 0.0160% | 3,971 |
| Credit loss provision to net charge-offs | 1,784.3137% | 194 |
| Earnings coverage of net charge-offs (x) | 46.6928% | 1,051 |
| Efficiency ratio | 86.2623% | 974 |
| Assets per employee ($millions) | 6.0124% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9119% | 5,044 |
| Loan loss allowance to noncurrent loans | 184.4810% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.8558% | 2,527 |
| Noncurrent loans to loans | 0.4943% | 3,714 |
| Net loans and leases to total assets | 55.1725% | 4,368 |
| Net loans and leases to deposits | 68.7748% | 4,052 |
| Net loans and leases to core deposits | 74.0028% | 3,943 |
| Total domestic deposits to total assets | 80.2220% | 4,695 |
| Equity capital to assets | 14.7027% | 729 |
| Core capital (leverage) ratio | 10.8829% | 2,512 |
| Tier 1 risk-based capital ratio | 13.8916% | 3,774 |
| Total risk-based capital ratio | 14.6043% | 4,025 |
| Memoranda: | ||
| Average total assets | $1,701,755,400 | 430 |
| Average earning assets | $1,488,403,000 | 436 |
| Average equity | $259,632,800 | 335 |
| Average total loans | $956,675,200 | 502 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1620% | 2,709 |
| Cost of funding earning assets | 0.3079% | 4,246 |
| Net interest margin | 3.8541% | 2,172 |
| Noninterest income to average assets | 0.3229% | 4,632 |
| Noninterest expense to average assets | 3.2710% | 1,778 |
| Loan and lease loss provision to assets | 0.1621% | 1,317 |
| Net operating income to assets | 0.2569% | 5,561 |
| Return on assets (ROA) | 0.2926% | 5,554 |
| Pretax return on assets | 0.2926% | 5,651 |
| Return on Equity (ROE) | 1.9000% | 5,688 |
| Retained earnings to average equity (ytd only) | 1.9000% | 4,935 |
| Net charge-offs to loans | 0.0265% | 3,414 |
| Credit loss provision to net charge-offs | 1,084.1270% | 345 |
| Earnings coverage of net charge-offs (x) | 28.0216% | 1,560 |
| Efficiency ratio | 86.3468% | 978 |
| Assets per employee ($millions) | 5.6316% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8851% | 5,256 |
| Loan loss allowance to noncurrent loans | 198.3189% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.9165% | 2,572 |
| Noncurrent loans to loans | 0.4463% | 4,008 |
| Net loans and leases to total assets | 54.9184% | 4,470 |
| Net loans and leases to deposits | 67.7969% | 4,211 |
| Net loans and leases to core deposits | 72.5660% | 4,146 |
| Total domestic deposits to total assets | 81.0043% | 4,474 |
| Equity capital to assets | 15.5328% | 642 |
| Core capital (leverage) ratio | 11.1766% | 2,324 |
| Tier 1 risk-based capital ratio | 14.0968% | 3,797 |
| Total risk-based capital ratio | 14.7682% | 4,059 |
| Memoranda: | ||
| Average total assets | $1,685,283,250 | 435 |
| Average earning assets | $1,472,309,000 | 444 |
| Average equity | $259,568,250 | 341 |
| Average total loans | $949,786,750 | 503 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0833% | 2,960 |
| Cost of funding earning assets | 0.3099% | 4,281 |
| Net interest margin | 3.7735% | 2,428 |
| Noninterest income to average assets | 0.3525% | 4,442 |
| Noninterest expense to average assets | 3.2935% | 1,725 |
| Loan and lease loss provision to assets | 0.2221% | 852 |
| Net operating income to assets | 0.1368% | 5,832 |
| Return on assets (ROA) | 0.1483% | 5,860 |
| Pretax return on assets | 0.1483% | 5,879 |
| Return on Equity (ROE) | 0.9656% | 5,907 |
| Retained earnings to average equity (ytd only) | 0.9656% | 5,181 |
| Net charge-offs to loans | 0.0507% | 2,700 |
| Credit loss provision to net charge-offs | 773.5537% | 441 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 2,196 |
| Efficiency ratio | 87.8545% | 917 |
| Assets per employee ($millions) | 5.5368% | 1,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8396% | 5,494 |
| Loan loss allowance to noncurrent loans | 45.9636% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 1.7410% | 1,349 |
| Noncurrent loans to loans | 1.8268% | 1,388 |
| Net loans and leases to total assets | 57.6554% | 4,152 |
| Net loans and leases to deposits | 71.3574% | 3,780 |
| Net loans and leases to core deposits | 76.9897% | 3,670 |
| Total domestic deposits to total assets | 80.7981% | 4,670 |
| Equity capital to assets | 15.7114% | 565 |
| Core capital (leverage) ratio | 10.7674% | 2,660 |
| Tier 1 risk-based capital ratio | 13.7231% | 4,083 |
| Total risk-based capital ratio | 14.3683% | 4,363 |
| Memoranda: | ||
| Average total assets | $1,685,765,000 | 436 |
| Average earning assets | $1,474,189,670 | 449 |
| Average equity | $258,908,670 | 344 |
| Average total loans | $955,384,000 | 494 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1219% | 2,746 |
| Cost of funding earning assets | 0.3058% | 4,374 |
| Net interest margin | 3.8161% | 2,182 |
| Noninterest income to average assets | 0.3877% | 4,105 |
| Noninterest expense to average assets | 3.2953% | 1,727 |
| Loan and lease loss provision to assets | 0.2968% | 497 |
| Net operating income to assets | 0.1421% | 5,806 |
| Return on assets (ROA) | 0.1653% | 5,827 |
| Pretax return on assets | 0.1653% | 5,874 |
| Return on Equity (ROE) | 1.0880% | 5,896 |
| Retained earnings to average equity (ytd only) | 1.0880% | 5,048 |
| Net charge-offs to loans | 0.0674% | 2,062 |
| Credit loss provision to net charge-offs | 786.3354% | 393 |
| Earnings coverage of net charge-offs (x) | 11.6273% | 1,848 |
| Efficiency ratio | 86.0075% | 1,184 |
| Assets per employee ($millions) | 5.6394% | 1,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7825% | 5,735 |
| Loan loss allowance to noncurrent loans | 46.2834% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 1.6682% | 1,512 |
| Noncurrent loans to loans | 1.6908% | 1,631 |
| Net loans and leases to total assets | 56.2291% | 4,174 |
| Net loans and leases to deposits | 69.2599% | 3,832 |
| Net loans and leases to core deposits | 74.8334% | 3,707 |
| Total domestic deposits to total assets | 81.1857% | 4,770 |
| Equity capital to assets | 15.4011% | 645 |
| Core capital (leverage) ratio | 10.7285% | 2,717 |
| Tier 1 risk-based capital ratio | 13.7491% | 4,189 |
| Total risk-based capital ratio | 14.3565% | 4,469 |
| Memoranda: | ||
| Average total assets | $1,706,437,500 | 429 |
| Average earning assets | $1,496,401,000 | 441 |
| Average equity | $259,182,000 | 341 |
| Average total loans | $955,014,000 | 493 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5373% | 1,738 |
| Cost of funding earning assets | 0.3160% | 4,625 |
| Net interest margin | 4.2213% | 1,243 |
| Noninterest income to average assets | 0.4268% | 3,994 |
| Noninterest expense to average assets | 3.4848% | 1,515 |
| Loan and lease loss provision to assets | 0.2302% | 1,054 |
| Net operating income to assets | 0.3656% | 5,337 |
| Return on assets (ROA) | 0.3684% | 5,397 |
| Pretax return on assets | 0.3684% | 5,564 |
| Return on Equity (ROE) | 2.3266% | 5,681 |
| Retained earnings to average equity (ytd only) | 2.1622% | 4,697 |
| Net charge-offs to loans | 0.1277% | 2,751 |
| Credit loss provision to net charge-offs | 329.5726% | 798 |
| Earnings coverage of net charge-offs (x) | 8.5299% | 2,864 |
| Efficiency ratio | 82.9305% | 1,538 |
| Assets per employee ($millions) | 5.8190% | 1,513 |
| Cash dividends to net income (ytd only)* | 7.0665% | 4,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6726% | 6,041 |
| Loan loss allowance to noncurrent loans | 40.5964% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 1.6578% | 1,621 |
| Noncurrent loans to loans | 1.6568% | 1,767 |
| Net loans and leases to total assets | 54.3052% | 4,547 |
| Net loans and leases to deposits | 67.3431% | 4,188 |
| Net loans and leases to core deposits | 72.9342% | 4,034 |
| Total domestic deposits to total assets | 80.6396% | 4,847 |
| Equity capital to assets | 15.5533% | 595 |
| Core capital (leverage) ratio | 10.8257% | 2,589 |
| Tier 1 risk-based capital ratio | 15.1655% | 3,404 |
| Total risk-based capital ratio | 15.7215% | 3,731 |
| Memoranda: | ||
| Average total assets | $1,674,979,600 | 424 |
| Average earning assets | $1,449,842,200 | 433 |
| Average equity | $265,189,200 | 318 |
| Average total loans | $916,153,600 | 488 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2475% | 2,817 |
| Cost of funding earning assets | 0.3136% | 4,748 |
| Net interest margin | 3.9339% | 2,098 |
| Noninterest income to average assets | 0.4615% | 3,801 |
| Noninterest expense to average assets | 3.3956% | 1,682 |
| Loan and lease loss provision to assets | 0.2533% | 846 |
| Net operating income to assets | 0.2147% | 5,820 |
| Return on assets (ROA) | 0.2186% | 5,856 |
| Pretax return on assets | 0.2186% | 5,920 |
| Return on Equity (ROE) | 1.3746% | 5,974 |
| Retained earnings to average equity (ytd only) | 1.2088% | 5,409 |
| Net charge-offs to loans | 0.0486% | 3,527 |
| Credit loss provision to net charge-offs | 951.9637% | 343 |
| Earnings coverage of net charge-offs (x) | 17.5892% | 1,893 |
| Efficiency ratio | 85.2602% | 1,256 |
| Assets per employee ($millions) | 5.6404% | 1,604 |
| Cash dividends to net income (ytd only)* | 12.0587% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6988% | 6,104 |
| Loan loss allowance to noncurrent loans | 16.2808% | 5,977 |
| Noncurrent assets plus other real estate owned to assets | 3.1397% | 728 |
| Noncurrent loans to loans | 4.2924% | 467 |
| Net loans and leases to total assets | 55.5939% | 4,382 |
| Net loans and leases to deposits | 69.2123% | 4,006 |
| Net loans and leases to core deposits | 73.8249% | 3,957 |
| Total domestic deposits to total assets | 80.3238% | 5,007 |
| Equity capital to assets | 15.8785% | 583 |
| Core capital (leverage) ratio | 11.1529% | 2,351 |
| Tier 1 risk-based capital ratio | 15.9854% | 3,068 |
| Total risk-based capital ratio | 16.5905% | 3,337 |
| Memoranda: | ||
| Average total assets | $1,658,757,750 | 426 |
| Average earning assets | $1,434,532,500 | 436 |
| Average equity | $263,834,750 | 317 |
| Average total loans | $907,382,750 | 487 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2808% | 2,658 |
| Cost of funding earning assets | 0.3166% | 4,803 |
| Net interest margin | 3.9642% | 1,918 |
| Noninterest income to average assets | 0.2712% | 5,266 |
| Noninterest expense to average assets | 3.3987% | 1,682 |
| Loan and lease loss provision to assets | 0.2301% | 994 |
| Net operating income to assets | 0.0719% | 6,095 |
| Return on assets (ROA) | 0.0719% | 6,114 |
| Pretax return on assets | 0.0719% | 6,122 |
| Return on Equity (ROE) | 0.4518% | 6,158 |
| Retained earnings to average equity (ytd only) | 0.2862% | 5,607 |
| Net charge-offs to loans | 0.0699% | 3,002 |
| Credit loss provision to net charge-offs | 606.3694% | 493 |
| Earnings coverage of net charge-offs (x) | 7.9586% | 2,555 |
| Efficiency ratio | 89.1171% | 980 |
| Assets per employee ($millions) | 4.8407% | 2,416 |
| Cash dividends to net income (ytd only)* | 36.6387% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5794% | 6,335 |
| Loan loss allowance to noncurrent loans | 10.9577% | 6,074 |
| Noncurrent assets plus other real estate owned to assets | 4.1428% | 492 |
| Noncurrent loans to loans | 5.2875% | 361 |
| Net loans and leases to total assets | 56.2717% | 4,248 |
| Net loans and leases to deposits | 67.9348% | 4,060 |
| Net loans and leases to core deposits | 72.4862% | 4,001 |
| Total domestic deposits to total assets | 82.8319% | 4,371 |
| Equity capital to assets | 16.3369% | 497 |
| Core capital (leverage) ratio | 11.1937% | 2,251 |
| Tier 1 risk-based capital ratio | 16.3535% | 2,901 |
| Total risk-based capital ratio | 16.8639% | 3,235 |
| Memoranda: | ||
| Average total assets | $1,655,162,000 | 427 |
| Average earning assets | $1,431,932,000 | 437 |
| Average equity | $263,413,330 | 315 |
| Average total loans | $898,277,670 | 488 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1942% | 2,907 |
| Cost of funding earning assets | 0.3167% | 4,900 |
| Net interest margin | 3.8774% | 2,163 |
| Noninterest income to average assets | 0.2157% | 5,632 |
| Noninterest expense to average assets | 3.3723% | 1,775 |
| Loan and lease loss provision to assets | 0.2174% | 1,046 |
| Net operating income to assets | -0.0050% | 6,221 |
| Return on assets (ROA) | -0.0050% | 6,233 |
| Pretax return on assets | -0.0050% | 6,220 |
| Return on Equity (ROE) | -0.0319% | 6,234 |
| Retained earnings to average equity (ytd only) | -0.2007% | 5,595 |
| Net charge-offs to loans | 0.2607% | 1,293 |
| Credit loss provision to net charge-offs | 156.8966% | 1,220 |
| Earnings coverage of net charge-offs (x) | 1.5328% | 3,074 |
| Efficiency ratio | 91.2962% | 923 |
| Assets per employee ($millions) | 4.5587% | 2,875 |
| Cash dividends to net income (ytd only)* | -528.5714% | 6,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4527% | 6,534 |
| Loan loss allowance to noncurrent loans | 8.9940% | 6,177 |
| Noncurrent assets plus other real estate owned to assets | 3.9878% | 595 |
| Noncurrent loans to loans | 5.0330% | 438 |
| Net loans and leases to total assets | 54.0134% | 4,417 |
| Net loans and leases to deposits | 64.8476% | 4,225 |
| Net loans and leases to core deposits | 69.0899% | 4,192 |
| Total domestic deposits to total assets | 83.2928% | 4,501 |
| Equity capital to assets | 15.9822% | 531 |
| Core capital (leverage) ratio | 10.8199% | 2,573 |
| Tier 1 risk-based capital ratio | 16.2749% | 3,027 |
| Total risk-based capital ratio | 16.6607% | 3,446 |
| Memoranda: | ||
| Average total assets | $1,674,344,500 | 423 |
| Average earning assets | $1,454,778,500 | 435 |
| Average equity | $263,052,500 | 313 |
| Average total loans | $889,866,000 | 489 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7084% | 5,108 |
| Cost of funding earning assets | 0.3676% | 4,980 |
| Net interest margin | 3.3408% | 4,517 |
| Noninterest income to average assets | 0.2135% | 5,805 |
| Noninterest expense to average assets | 2.7236% | 4,016 |
| Loan and lease loss provision to assets | 0.3069% | 1,087 |
| Net operating income to assets | 0.1132% | 6,013 |
| Return on assets (ROA) | 0.1133% | 6,075 |
| Pretax return on assets | 0.1133% | 6,073 |
| Return on Equity (ROE) | 0.7838% | 6,116 |
| Retained earnings to average equity (ytd only) | 0.4413% | 5,649 |
| Net charge-offs to loans | 0.2187% | 2,714 |
| Credit loss provision to net charge-offs | 263.2805% | 861 |
| Earnings coverage of net charge-offs (x) | 3.6041% | 3,808 |
| Efficiency ratio | 83.4093% | 1,698 |
| Assets per employee ($millions) | 4.5535% | 2,816 |
| Cash dividends to net income (ytd only)* | 43.7022% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4186% | 6,626 |
| Loan loss allowance to noncurrent loans | 6.3273% | 6,287 |
| Noncurrent assets plus other real estate owned to assets | 4.5918% | 535 |
| Noncurrent loans to loans | 6.6155% | 273 |
| Net loans and leases to total assets | 51.8547% | 4,876 |
| Net loans and leases to deposits | 61.9790% | 4,724 |
| Net loans and leases to core deposits | 66.1068% | 4,684 |
| Total domestic deposits to total assets | 83.6650% | 4,293 |
| Equity capital to assets | 15.4485% | 599 |
| Core capital (leverage) ratio | 10.4342% | 2,982 |
| Tier 1 risk-based capital ratio | 16.2826% | 2,972 |
| Total risk-based capital ratio | 16.6417% | 3,385 |
| Memoranda: | ||
| Average total assets | $1,730,928,000 | 399 |
| Average earning assets | $1,518,211,000 | 408 |
| Average equity | $250,179,600 | 318 |
| Average total loans | $922,567,600 | 460 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6480% | 6,821 |
| Cost of funding earning assets | 0.0809% | 6,793 |
| Net interest margin | 1.5671% | 6,802 |
| Noninterest income to average assets | 0.3340% | 5,022 |
| Noninterest expense to average assets | 1.7003% | 6,469 |
| Loan and lease loss provision to assets | 0.0360% | 4,301 |
| Net operating income to assets | 0.0188% | 6,270 |
| Return on assets (ROA) | 0.0160% | 6,330 |
| Pretax return on assets | 0.0160% | 6,307 |
| Return on Equity (ROE) | 0.1320% | 6,330 |
| Retained earnings to average equity (ytd only) | -0.1630% | 5,971 |
| Net charge-offs to loans | 0.3779% | 1,692 |
| Credit loss provision to net charge-offs | 23.3298% | 4,010 |
| Earnings coverage of net charge-offs (x) | 0.3553% | 4,747 |
| Efficiency ratio | 86.7877% | 1,286 |
| Assets per employee ($millions) | 5.0329% | 2,121 |
| Cash dividends to net income (ytd only)* | 223.4731% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0966% | 6,815 |
| Loan loss allowance to noncurrent loans | 2.6166% | 6,383 |
| Noncurrent assets plus other real estate owned to assets | 1.5739% | 2,574 |
| Noncurrent loans to loans | 3.6930% | 1,000 |
| Net loans and leases to total assets | 37.5393% | 6,195 |
| Net loans and leases to deposits | 43.6073% | 6,225 |
| Net loans and leases to core deposits | 48.7788% | 6,079 |
| Total domestic deposits to total assets | 86.0849% | 3,206 |
| Equity capital to assets | 13.6612% | 1,061 |
| Core capital (leverage) ratio | 10.5635% | 2,936 |
| Tier 1 risk-based capital ratio | 19.4932% | 1,860 |
| Total risk-based capital ratio | 19.5639% | 2,171 |
| Memoranda: | ||
| Average total assets | $815,929,500 | 820 |
| Average earning assets | $739,873,500 | 822 |
| Average equity | $98,985,500 | 720 |
| Average total loans | $332,713,500 | 1,286 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9984% | 6,906 |
| Cost of funding earning assets | 0.0359% | 6,892 |
| Net interest margin | 0.9626% | 6,897 |
| Noninterest income to average assets | 0.1973% | 6,024 |
| Noninterest expense to average assets | 1.0354% | 6,875 |
| Loan and lease loss provision to assets | 0.0119% | 4,638 |
| Net operating income to assets | 0.0285% | 6,265 |
| Return on assets (ROA) | 0.0295% | 6,338 |
| Pretax return on assets | 0.0295% | 6,322 |
| Return on Equity (ROE) | 0.2546% | 6,346 |
| Retained earnings to average equity (ytd only) | 0.0214% | 5,839 |
| Net charge-offs to loans | 0.4844% | 1,359 |
| Credit loss provision to net charge-offs | 5.8680% | 3,944 |
| Earnings coverage of net charge-offs (x) | 0.1993% | 4,483 |
| Efficiency ratio | 96.2408% | 642 |
| Assets per employee ($millions) | 4.7522% | 2,447 |
| Cash dividends to net income (ytd only)* | 91.5966% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0145% | 6,877 |
| Loan loss allowance to noncurrent loans | 0.4845% | 6,456 |
| Noncurrent assets plus other real estate owned to assets | 1.3652% | 3,055 |
| Noncurrent loans to loans | 2.9875% | 1,492 |
| Net loans and leases to total assets | 39.4228% | 6,081 |
| Net loans and leases to deposits | 45.7335% | 6,121 |
| Net loans and leases to core deposits | 51.5040% | 5,924 |
| Total domestic deposits to total assets | 86.2011% | 3,262 |
| Equity capital to assets | 13.5632% | 1,099 |
| Core capital (leverage) ratio | 11.0706% | 2,291 |
| Tier 1 risk-based capital ratio | 18.4942% | 2,144 |
| Total risk-based capital ratio | 18.5047% | 2,586 |
| Memoranda: | ||
| Average total assets | $806,066,000 | 830 |
| Average earning assets | $735,745,000 | 833 |
| Average equity | $93,478,000 | 754 |
| Average total loans | $337,715,000 | 1,257 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0775% | 6,422 |
| Cost of funding earning assets | 0.3406% | 5,633 |
| Net interest margin | 2.7369% | 6,155 |
| Noninterest income to average assets | 0.7051% | 2,564 |
| Noninterest expense to average assets | 2.8088% | 3,666 |
| Loan and lease loss provision to assets | 0.0380% | 3,954 |
| Net operating income to assets | 0.3936% | 5,155 |
| Return on assets (ROA) | 0.3936% | 5,302 |
| Pretax return on assets | 0.3936% | 5,581 |
| Return on Equity (ROE) | 3.7319% | 5,225 |
| Retained earnings to average equity (ytd only) | -0.1154% | 5,796 |
| Net charge-offs to loans | 0.9579% | 641 |
| Credit loss provision to net charge-offs | 9.1912% | 3,153 |
| Earnings coverage of net charge-offs (x) | 1.0429% | 3,492 |
| Efficiency ratio | 86.6781% | 1,442 |
| Assets per employee ($millions) | 4.5848% | 2,825 |
| Cash dividends to net income (ytd only)* | 103.0928% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0361% | 1,951 |
| Loan loss allowance to noncurrent loans | 67.8375% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 1.4728% | 3,051 |
| Noncurrent loans to loans | 3.0014% | 1,669 |
| Net loans and leases to total assets | 41.6998% | 5,868 |
| Net loans and leases to deposits | 46.6470% | 6,014 |
| Net loans and leases to core deposits | 52.6446% | 5,773 |
| Total domestic deposits to total assets | 89.3944% | 1,423 |
| Equity capital to assets | 10.3984% | 3,671 |
| Core capital (leverage) ratio | 10.1916% | 3,159 |
| Tier 1 risk-based capital ratio | 16.6196% | 2,941 |
| Total risk-based capital ratio | 17.8722% | 2,905 |
| Memoranda: | ||
| Average total assets | $788,528,500 | 856 |
| Average earning assets | $730,467,500 | 842 |
| Average equity | $83,174,000 | 873 |
| Average total loans | $340,748,000 | 1,247 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5386% | 6,313 |
| Cost of funding earning assets | 0.3618% | 6,151 |
| Net interest margin | 3.1768% | 5,624 |
| Noninterest income to average assets | 0.7867% | 2,322 |
| Noninterest expense to average assets | 2.8866% | 3,690 |
| Loan and lease loss provision to assets | 0.0079% | 5,822 |
| Net operating income to assets | 0.8262% | 3,152 |
| Return on assets (ROA) | 0.9394% | 2,851 |
| Pretax return on assets | 0.9394% | 3,778 |
| Return on Equity (ROE) | 8.8579% | 2,699 |
| Retained earnings to average equity (ytd only) | 5.1085% | 2,635 |
| Net charge-offs to loans | 0.2715% | 3,305 |
| Credit loss provision to net charge-offs | 6.0060% | 5,434 |
| Earnings coverage of net charge-offs (x) | 6.3203% | 2,832 |
| Efficiency ratio | 77.5813% | 2,512 |
| Assets per employee ($millions) | 4.3781% | 3,193 |
| Cash dividends to net income (ytd only)* | 42.3288% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2388% | 1,484 |
| Loan loss allowance to noncurrent loans | 153.9312% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.8379% | 4,384 |
| Noncurrent loans to loans | 1.4544% | 3,417 |
| Net loans and leases to total assets | 42.8929% | 5,907 |
| Net loans and leases to deposits | 48.1656% | 6,099 |
| Net loans and leases to core deposits | 54.8541% | 5,813 |
| Total domestic deposits to total assets | 89.0529% | 1,527 |
| Equity capital to assets | 10.7011% | 3,283 |
| Core capital (leverage) ratio | 10.4620% | 2,813 |
| Tier 1 risk-based capital ratio | 16.9999% | 2,652 |
| Total risk-based capital ratio | 18.2548% | 2,614 |
| Memoranda: | ||
| Average total assets | $756,952,800 | 881 |
| Average earning assets | $699,092,000 | 865 |
| Average equity | $80,278,400 | 872 |
| Average total loans | $367,974,000 | 1,134 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6218% | 6,367 |
| Cost of funding earning assets | 0.3696% | 6,277 |
| Net interest margin | 3.2522% | 5,539 |
| Noninterest income to average assets | 0.8125% | 2,181 |
| Noninterest expense to average assets | 2.9535% | 3,394 |
| Loan and lease loss provision to assets | -0.0027% | 6,943 |
| Net operating income to assets | 0.8658% | 3,153 |
| Return on assets (ROA) | 1.0179% | 2,649 |
| Pretax return on assets | 1.0179% | 3,645 |
| Return on Equity (ROE) | 9.6199% | 2,534 |
| Retained earnings to average equity (ytd only) | 5.7458% | 2,870 |
| Net charge-offs to loans | 0.2887% | 2,994 |
| Credit loss provision to net charge-offs | -1.8496% | 6,080 |
| Earnings coverage of net charge-offs (x) | 5.9975% | 2,875 |
| Efficiency ratio | 77.3852% | 2,470 |
| Assets per employee ($millions) | 4.2264% | 3,413 |
| Cash dividends to net income (ytd only)* | 40.2719% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2099% | 1,688 |
| Loan loss allowance to noncurrent loans | 156.2349% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.8713% | 4,544 |
| Noncurrent loans to loans | 1.4145% | 3,680 |
| Net loans and leases to total assets | 44.9348% | 5,880 |
| Net loans and leases to deposits | 50.5261% | 6,072 |
| Net loans and leases to core deposits | 56.2735% | 5,871 |
| Total domestic deposits to total assets | 88.9337% | 1,469 |
| Equity capital to assets | 10.8246% | 3,471 |
| Core capital (leverage) ratio | 10.3777% | 3,066 |
| Tier 1 risk-based capital ratio | 16.4455% | 3,035 |
| Total risk-based capital ratio | 17.7001% | 2,995 |
| Memoranda: | ||
| Average total assets | $751,365,500 | 893 |
| Average earning assets | $694,042,750 | 875 |
| Average equity | $79,499,500 | 883 |
| Average total loans | $374,487,500 | 1,127 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7042% | 6,327 |
| Cost of funding earning assets | 0.3780% | 6,389 |
| Net interest margin | 3.3262% | 5,367 |
| Noninterest income to average assets | 0.8165% | 2,109 |
| Noninterest expense to average assets | 2.9466% | 3,453 |
| Loan and lease loss provision to assets | 0.1687% | 3,417 |
| Net operating income to assets | 0.7694% | 3,516 |
| Return on assets (ROA) | 0.8647% | 3,330 |
| Pretax return on assets | 0.8647% | 4,214 |
| Return on Equity (ROE) | 8.2376% | 3,152 |
| Retained earnings to average equity (ytd only) | 4.2221% | 3,803 |
| Net charge-offs to loans | 0.4171% | 2,366 |
| Credit loss provision to net charge-offs | 79.0464% | 3,345 |
| Earnings coverage of net charge-offs (x) | 4.3952% | 3,102 |
| Efficiency ratio | 75.8514% | 2,766 |
| Assets per employee ($millions) | 4.1045% | 3,657 |
| Cash dividends to net income (ytd only)* | 48.7457% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2647% | 1,646 |
| Loan loss allowance to noncurrent loans | 166.0165% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.8891% | 4,591 |
| Noncurrent loans to loans | 1.3642% | 3,876 |
| Net loans and leases to total assets | 48.1540% | 5,597 |
| Net loans and leases to deposits | 54.0974% | 5,856 |
| Net loans and leases to core deposits | 59.9640% | 5,591 |
| Total domestic deposits to total assets | 89.0135% | 1,497 |
| Equity capital to assets | 10.5813% | 3,587 |
| Core capital (leverage) ratio | 10.4167% | 2,900 |
| Tier 1 risk-based capital ratio | 15.8363% | 3,254 |
| Total risk-based capital ratio | 17.0922% | 3,220 |
| Memoranda: | ||
| Average total assets | $746,825,000 | 897 |
| Average earning assets | $688,898,330 | 879 |
| Average equity | $78,397,000 | 889 |
| Average total loans | $382,145,670 | 1,104 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7055% | 6,430 |
| Cost of funding earning assets | 0.3866% | 6,478 |
| Net interest margin | 3.3189% | 5,408 |
| Noninterest income to average assets | 0.7013% | 2,659 |
| Noninterest expense to average assets | 3.0998% | 2,916 |
| Loan and lease loss provision to assets | 0.2181% | 2,756 |
| Net operating income to assets | 0.4492% | 5,037 |
| Return on assets (ROA) | 0.4492% | 5,231 |
| Pretax return on assets | 0.4492% | 5,585 |
| Return on Equity (ROE) | 4.2968% | 5,143 |
| Retained earnings to average equity (ytd only) | -0.0155% | 5,986 |
| Net charge-offs to loans | 0.8203% | 1,251 |
| Credit loss provision to net charge-offs | 51.0076% | 3,268 |
| Earnings coverage of net charge-offs (x) | 1.5605% | 3,550 |
| Efficiency ratio | 82.2848% | 1,902 |
| Assets per employee ($millions) | 4.0141% | 3,977 |
| Cash dividends to net income (ytd only)* | 100.3597% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1104% | 2,079 |
| Loan loss allowance to noncurrent loans | 165.0573% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.8340% | 4,865 |
| Noncurrent loans to loans | 1.2786% | 4,193 |
| Net loans and leases to total assets | 50.7018% | 5,206 |
| Net loans and leases to deposits | 56.9046% | 5,497 |
| Net loans and leases to core deposits | 62.8698% | 5,233 |
| Total domestic deposits to total assets | 89.0996% | 1,641 |
| Equity capital to assets | 10.4031% | 3,614 |
| Core capital (leverage) ratio | 10.2652% | 3,039 |
| Tier 1 risk-based capital ratio | 15.3430% | 3,530 |
| Total risk-based capital ratio | 16.5981% | 3,490 |
| Memoranda: | ||
| Average total assets | $742,624,000 | 905 |
| Average earning assets | $686,003,000 | 886 |
| Average equity | $77,639,000 | 898 |
| Average total loans | $387,169,000 | 1,097 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0296% | 6,404 |
| Cost of funding earning assets | 0.4925% | 6,566 |
| Net interest margin | 3.5370% | 4,992 |
| Noninterest income to average assets | 0.7425% | 2,378 |
| Noninterest expense to average assets | 3.0026% | 3,583 |
| Loan and lease loss provision to assets | 0.0623% | 5,830 |
| Net operating income to assets | 0.9596% | 2,361 |
| Return on assets (ROA) | 1.0043% | 2,326 |
| Pretax return on assets | 1.0043% | 3,234 |
| Return on Equity (ROE) | 9.6018% | 2,208 |
| Retained earnings to average equity (ytd only) | 4.2438% | 3,168 |
| Net charge-offs to loans | 0.1880% | 4,642 |
| Credit loss provision to net charge-offs | 56.5327% | 5,256 |
| Earnings coverage of net charge-offs (x) | 9.2751% | 2,007 |
| Efficiency ratio | 74.6079% | 3,124 |
| Assets per employee ($millions) | 3.8868% | 4,114 |
| Cash dividends to net income (ytd only)* | 55.8021% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2291% | 1,746 |
| Loan loss allowance to noncurrent loans | 346.5323% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 5,649 |
| Noncurrent loans to loans | 0.6432% | 5,420 |
| Net loans and leases to total assets | 51.3132% | 5,423 |
| Net loans and leases to deposits | 57.5772% | 5,743 |
| Net loans and leases to core deposits | 63.5509% | 5,517 |
| Total domestic deposits to total assets | 89.1208% | 1,465 |
| Equity capital to assets | 10.5074% | 3,528 |
| Core capital (leverage) ratio | 10.3293% | 2,938 |
| Tier 1 risk-based capital ratio | 15.9624% | 3,072 |
| Total risk-based capital ratio | 17.2194% | 3,025 |
| Memoranda: | ||
| Average total assets | $722,466,400 | 907 |
| Average earning assets | $670,393,200 | 889 |
| Average equity | $75,569,000 | 888 |
| Average total loans | $423,462,200 | 990 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0921% | 6,430 |
| Cost of funding earning assets | 0.5142% | 6,647 |
| Net interest margin | 3.5779% | 4,858 |
| Noninterest income to average assets | 0.7506% | 2,308 |
| Noninterest expense to average assets | 3.0047% | 3,538 |
| Loan and lease loss provision to assets | 0.0834% | 5,398 |
| Net operating income to assets | 0.9867% | 2,371 |
| Return on assets (ROA) | 1.0465% | 2,303 |
| Pretax return on assets | 1.0465% | 3,227 |
| Return on Equity (ROE) | 10.0169% | 2,193 |
| Retained earnings to average equity (ytd only) | 4.2129% | 3,735 |
| Net charge-offs to loans | 0.0240% | 5,809 |
| Credit loss provision to net charge-offs | 576.9231% | 473 |
| Earnings coverage of net charge-offs (x) | 74.0238% | 461 |
| Efficiency ratio | 73.7390% | 3,233 |
| Assets per employee ($millions) | 4.2089% | 3,426 |
| Cash dividends to net income (ytd only)* | 57.9423% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2403% | 1,796 |
| Loan loss allowance to noncurrent loans | 213.5780% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.8023% | 5,167 |
| Noncurrent loans to loans | 1.0489% | 4,806 |
| Net loans and leases to total assets | 54.5441% | 5,082 |
| Net loans and leases to deposits | 61.1080% | 5,503 |
| Net loans and leases to core deposits | 67.3023% | 5,266 |
| Total domestic deposits to total assets | 89.2586% | 1,279 |
| Equity capital to assets | 10.2980% | 3,956 |
| Core capital (leverage) ratio | 10.3075% | 3,074 |
| Tier 1 risk-based capital ratio | 15.4793% | 3,400 |
| Total risk-based capital ratio | 16.7377% | 3,369 |
| Memoranda: | ||
| Average total assets | $719,432,000 | 914 |
| Average earning assets | $668,418,500 | 891 |
| Average equity | $75,164,250 | 901 |
| Average total loans | $432,942,000 | 979 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2072% | 6,266 |
| Cost of funding earning assets | 0.5319% | 6,737 |
| Net interest margin | 3.6753% | 4,378 |
| Noninterest income to average assets | 0.7230% | 2,419 |
| Noninterest expense to average assets | 3.0465% | 3,448 |
| Loan and lease loss provision to assets | 0.1266% | 4,708 |
| Net operating income to assets | 0.9635% | 2,375 |
| Return on assets (ROA) | 1.0153% | 2,261 |
| Pretax return on assets | 1.0153% | 3,185 |
| Return on Equity (ROE) | 9.6696% | 2,240 |
| Retained earnings to average equity (ytd only) | 3.6412% | 3,912 |
| Net charge-offs to loans | 0.1664% | 4,176 |
| Credit loss provision to net charge-offs | 123.2877% | 2,469 |
| Earnings coverage of net charge-offs (x) | 10.6164% | 1,788 |
| Efficiency ratio | 73.6466% | 3,429 |
| Assets per employee ($millions) | 3.9091% | 3,972 |
| Cash dividends to net income (ytd only)* | 62.3441% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1179% | 2,081 |
| Loan loss allowance to noncurrent loans | 209.2511% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.7952% | 5,304 |
| Noncurrent loans to loans | 1.0122% | 4,972 |
| Net loans and leases to total assets | 57.9885% | 4,624 |
| Net loans and leases to deposits | 65.1414% | 5,119 |
| Net loans and leases to core deposits | 70.9173% | 4,962 |
| Total domestic deposits to total assets | 89.0193% | 1,520 |
| Equity capital to assets | 10.5499% | 3,444 |
| Core capital (leverage) ratio | 10.4568% | 2,756 |
| Tier 1 risk-based capital ratio | 15.9990% | 2,977 |
| Total risk-based capital ratio | 17.2579% | 2,938 |
| Memoranda: | ||
| Average total assets | $710,916,000 | 928 |
| Average earning assets | $660,295,000 | 917 |
| Average equity | $74,646,330 | 908 |
| Average total loans | $438,704,330 | 978 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3301% | 5,916 |
| Cost of funding earning assets | 0.5394% | 6,833 |
| Net interest margin | 3.7907% | 3,661 |
| Noninterest income to average assets | 0.7290% | 2,396 |
| Noninterest expense to average assets | 2.9482% | 3,863 |
| Loan and lease loss provision to assets | 0.1273% | 4,401 |
| Net operating income to assets | 1.1659% | 1,605 |
| Return on assets (ROA) | 1.2191% | 1,533 |
| Pretax return on assets | 1.2191% | 2,311 |
| Return on Equity (ROE) | 11.6388% | 1,566 |
| Retained earnings to average equity (ytd only) | 5.5601% | 2,877 |
| Net charge-offs to loans | 0.1312% | 3,722 |
| Credit loss provision to net charge-offs | 154.1096% | 1,857 |
| Earnings coverage of net charge-offs (x) | 15.6507% | 1,306 |
| Efficiency ratio | 69.5089% | 4,375 |
| Assets per employee ($millions) | 3.9228% | 4,013 |
| Cash dividends to net income (ytd only)* | 52.2284% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0650% | 2,260 |
| Loan loss allowance to noncurrent loans | 1,654.8624% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 6,508 |
| Noncurrent loans to loans | 0.1248% | 6,736 |
| Net loans and leases to total assets | 60.5779% | 4,156 |
| Net loans and leases to deposits | 68.1445% | 4,664 |
| Net loans and leases to core deposits | 74.1376% | 4,526 |
| Total domestic deposits to total assets | 88.8963% | 1,840 |
| Equity capital to assets | 10.5627% | 3,113 |
| Core capital (leverage) ratio | 10.4250% | 2,676 |
| Tier 1 risk-based capital ratio | 15.1708% | 3,335 |
| Total risk-based capital ratio | 16.4287% | 3,286 |
| Memoranda: | ||
| Average total assets | $706,737,000 | 947 |
| Average earning assets | $654,858,000 | 932 |
| Average equity | $74,028,000 | 905 |
| Average total loans | $444,996,000 | 977 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5332% | 6,306 |
| Cost of funding earning assets | 0.7739% | 6,669 |
| Net interest margin | 3.7593% | 4,109 |
| Noninterest income to average assets | 0.7774% | 2,392 |
| Noninterest expense to average assets | 3.1608% | 3,233 |
| Loan and lease loss provision to assets | 0.2451% | 4,837 |
| Net operating income to assets | 0.8749% | 2,484 |
| Return on assets (ROA) | 1.0817% | 1,851 |
| Pretax return on assets | 1.0824% | 2,650 |
| Return on Equity (ROE) | 10.6889% | 1,692 |
| Retained earnings to average equity (ytd only) | 7.1579% | 1,262 |
| Net charge-offs to loans | 0.1064% | 5,812 |
| Credit loss provision to net charge-offs | 351.1066% | 732 |
| Earnings coverage of net charge-offs (x) | 16.0543% | 1,241 |
| Efficiency ratio | 73.8248% | 3,435 |
| Assets per employee ($millions) | 3.9298% | 3,942 |
| Cash dividends to net income (ytd only)* | 33.0347% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9725% | 2,376 |
| Loan loss allowance to noncurrent loans | 1,185.6764% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.4081% | 6,246 |
| Noncurrent loans to loans | 0.1664% | 6,738 |
| Net loans and leases to total assets | 62.8087% | 4,111 |
| Net loans and leases to deposits | 70.6433% | 4,735 |
| Net loans and leases to core deposits | 76.5768% | 4,631 |
| Total domestic deposits to total assets | 88.9096% | 1,709 |
| Equity capital to assets | 10.3867% | 3,289 |
| Core capital (leverage) ratio | 10.3111% | 2,759 |
| Tier 1 risk-based capital ratio | 14.8454% | 3,342 |
| Total risk-based capital ratio | 16.1028% | 3,296 |
| Memoranda: | ||
| Average total assets | $711,966,200 | 938 |
| Average earning assets | $663,632,200 | 921 |
| Average equity | $72,046,600 | 931 |
| Average total loans | $467,313,600 | 967 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5765% | 6,401 |
| Cost of funding earning assets | 0.8367% | 6,627 |
| Net interest margin | 3.7398% | 4,231 |
| Noninterest income to average assets | 0.7724% | 2,375 |
| Noninterest expense to average assets | 3.0646% | 3,515 |
| Loan and lease loss provision to assets | 0.2842% | 4,306 |
| Net operating income to assets | 0.9124% | 2,562 |
| Return on assets (ROA) | 1.1876% | 1,721 |
| Pretax return on assets | 1.1876% | 2,536 |
| Return on Equity (ROE) | 11.8135% | 1,557 |
| Retained earnings to average equity (ytd only) | 8.6593% | 1,175 |
| Net charge-offs to loans | 0.1458% | 5,137 |
| Credit loss provision to net charge-offs | 295.1456% | 1,083 |
| Earnings coverage of net charge-offs (x) | 12.4272% | 1,687 |
| Efficiency ratio | 71.9187% | 3,717 |
| Assets per employee ($millions) | 3.9889% | 3,861 |
| Cash dividends to net income (ytd only)* | 26.7003% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9392% | 2,382 |
| Loan loss allowance to noncurrent loans | 390.1750% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.5334% | 6,091 |
| Noncurrent loans to loans | 0.4970% | 6,207 |
| Net loans and leases to total assets | 62.2888% | 4,462 |
| Net loans and leases to deposits | 69.8989% | 5,161 |
| Net loans and leases to core deposits | 75.5227% | 5,117 |
| Total domestic deposits to total assets | 89.1127% | 1,336 |
| Equity capital to assets | 10.4149% | 3,620 |
| Core capital (leverage) ratio | 10.2521% | 2,986 |
| Tier 1 risk-based capital ratio | 15.0497% | 3,231 |
| Total risk-based capital ratio | 16.3070% | 3,214 |
| Memoranda: | ||
| Average total assets | $713,116,000 | 940 |
| Average earning assets | $665,261,000 | 924 |
| Average equity | $71,690,250 | 935 |
| Average total loans | $470,835,000 | 965 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6697% | 6,249 |
| Cost of funding earning assets | 0.9067% | 6,552 |
| Net interest margin | 3.7629% | 4,078 |
| Noninterest income to average assets | 0.8280% | 1,983 |
| Noninterest expense to average assets | 3.1529% | 3,079 |
| Loan and lease loss provision to assets | 0.3620% | 3,537 |
| Net operating income to assets | 0.8235% | 2,854 |
| Return on assets (ROA) | 1.1153% | 1,868 |
| Pretax return on assets | 1.1153% | 2,731 |
| Return on Equity (ROE) | 11.2274% | 1,680 |
| Retained earnings to average equity (ytd only) | 8.8412% | 1,160 |
| Net charge-offs to loans | 0.1756% | 4,558 |
| Credit loss provision to net charge-offs | 308.3333% | 1,186 |
| Earnings coverage of net charge-offs (x) | 10.0976% | 1,935 |
| Efficiency ratio | 72.6740% | 3,712 |
| Assets per employee ($millions) | 3.9495% | 3,866 |
| Cash dividends to net income (ytd only)* | 21.2531% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8524% | 2,557 |
| Loan loss allowance to noncurrent loans | 382.2847% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.6582% | 5,851 |
| Noncurrent loans to loans | 0.4846% | 6,282 |
| Net loans and leases to total assets | 65.3018% | 3,986 |
| Net loans and leases to deposits | 73.3698% | 4,777 |
| Net loans and leases to core deposits | 80.9657% | 4,559 |
| Total domestic deposits to total assets | 89.0037% | 1,437 |
| Equity capital to assets | 10.3847% | 3,541 |
| Core capital (leverage) ratio | 10.1267% | 3,026 |
| Tier 1 risk-based capital ratio | 14.5800% | 3,395 |
| Total risk-based capital ratio | 15.8368% | 3,356 |
| Memoranda: | ||
| Average total assets | $715,476,670 | 940 |
| Average earning assets | $667,456,670 | 923 |
| Average equity | $71,076,000 | 937 |
| Average total loans | $478,287,670 | 958 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6871% | 6,289 |
| Cost of funding earning assets | 0.9934% | 6,407 |
| Net interest margin | 3.6937% | 4,278 |
| Noninterest income to average assets | 0.8064% | 1,987 |
| Noninterest expense to average assets | 2.7423% | 4,714 |
| Loan and lease loss provision to assets | 0.4796% | 2,587 |
| Net operating income to assets | 1.0236% | 2,099 |
| Return on assets (ROA) | 1.3103% | 1,346 |
| Pretax return on assets | 1.3103% | 2,022 |
| Return on Equity (ROE) | 13.4824% | 1,156 |
| Retained earnings to average equity (ytd only) | 13.4824% | 562 |
| Net charge-offs to loans | -0.0313% | 7,209 |
| Credit loss provision to net charge-offs | -2,289.4737% | 6,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5936% | 5,372 |
| Assets per employee ($millions) | 4.0671% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7957% | 2,748 |
| Loan loss allowance to noncurrent loans | 251.2416% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 1.0260% | 5,104 |
| Noncurrent loans to loans | 0.7147% | 5,901 |
| Net loans and leases to total assets | 64.2438% | 4,281 |
| Net loans and leases to deposits | 74.7656% | 4,635 |
| Net loans and leases to core deposits | 85.5756% | 3,959 |
| Total domestic deposits to total assets | 85.9269% | 3,196 |
| Equity capital to assets | 9.7939% | 4,118 |
| Core capital (leverage) ratio | 9.7168% | 3,492 |
| Tier 1 risk-based capital ratio | 13.4614% | 4,016 |
| Total risk-based capital ratio | 14.7168% | 3,974 |
| Memoranda: | ||
| Average total assets | $725,662,000 | 947 |
| Average earning assets | $675,642,000 | 934 |
| Average equity | $70,521,500 | 940 |
| Average total loans | $486,189,500 | 965 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1079% | 6,057 |
| Cost of funding earning assets | 1.1148% | 6,930 |
| Net interest margin | 3.9931% | 2,891 |
| Noninterest income to average assets | 0.9932% | 1,598 |
| Noninterest expense to average assets | 3.0188% | 4,076 |
| Loan and lease loss provision to assets | 0.6847% | 3,084 |
| Net operating income to assets | 1.0355% | 1,719 |
| Return on assets (ROA) | 1.3946% | 918 |
| Pretax return on assets | 1.3920% | 1,457 |
| Return on Equity (ROE) | 16.2903% | 525 |
| Retained earnings to average equity (ytd only) | 2.4850% | 3,403 |
| Net charge-offs to loans | 0.1799% | 5,519 |
| Credit loss provision to net charge-offs | 548.1437% | 551 |
| Earnings coverage of net charge-offs (x) | 13.7509% | 1,410 |
| Efficiency ratio | 63.7346% | 5,819 |
| Assets per employee ($millions) | 4.0866% | 3,647 |
| Cash dividends to net income (ytd only)* | 84.7458% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5588% | 3,442 |
| Loan loss allowance to noncurrent loans | 87.9287% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 1.4132% | 4,291 |
| Noncurrent loans to loans | 1.7728% | 3,977 |
| Net loans and leases to total assets | 67.5392% | 3,808 |
| Net loans and leases to deposits | 80.3747% | 3,922 |
| Net loans and leases to core deposits | 101.9527% | 3,804 |
| Total domestic deposits to total assets | 84.0303% | 4,012 |
| Equity capital to assets | 9.6412% | 4,224 |
| Core capital (leverage) ratio | 9.6609% | 3,510 |
| Tier 1 risk-based capital ratio | 12.4780% | 4,546 |
| Total risk-based capital ratio | 13.7309% | 4,485 |
| Memoranda: | ||
| Average total assets | $668,452,400 | 1,034 |
| Average earning assets | $626,634,800 | 998 |
| Average equity | $57,224,400 | 1,155 |
| Average total loans | $464,067,800 | 1,037 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1714% | 6,004 |
| Cost of funding earning assets | 1.1273% | 7,105 |
| Net interest margin | 4.0441% | 2,619 |
| Noninterest income to average assets | 1.0056% | 1,585 |
| Noninterest expense to average assets | 2.9474% | 4,244 |
| Loan and lease loss provision to assets | 0.4245% | 3,779 |
| Net operating income to assets | 1.4265% | 969 |
| Return on assets (ROA) | 1.7081% | 583 |
| Pretax return on assets | 1.7081% | 960 |
| Return on Equity (ROE) | 20.6681% | 281 |
| Retained earnings to average equity (ytd only) | 5.4149% | 2,247 |
| Net charge-offs to loans | 0.1658% | 5,061 |
| Credit loss provision to net charge-offs | 367.6056% | 1,100 |
| Earnings coverage of net charge-offs (x) | 16.0283% | 1,497 |
| Efficiency ratio | 61.4237% | 6,210 |
| Assets per employee ($millions) | 3.8925% | 3,967 |
| Cash dividends to net income (ytd only)* | 73.8008% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 5,620 |
| Loan loss allowance to noncurrent loans | 104.6289% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.8802% | 5,321 |
| Noncurrent loans to loans | 1.0666% | 5,181 |
| Net loans and leases to total assets | 71.1553% | 3,233 |
| Net loans and leases to deposits | 83.9747% | 3,649 |
| Net loans and leases to core deposits | 108.8302% | 3,365 |
| Total domestic deposits to total assets | 84.7343% | 3,352 |
| Equity capital to assets | 8.9788% | 5,513 |
| Core capital (leverage) ratio | 8.7104% | 5,108 |
| Tier 1 risk-based capital ratio | 10.7758% | 6,191 |
| Total risk-based capital ratio | 11.8403% | 6,329 |
| Memoranda: | ||
| Average total assets | $655,755,750 | 1,072 |
| Average earning assets | $615,009,250 | 1,028 |
| Average equity | $54,194,750 | 1,231 |
| Average total loans | $456,719,750 | 1,066 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1458% | 6,270 |
| Cost of funding earning assets | 1.1255% | 7,313 |
| Net interest margin | 4.0203% | 2,616 |
| Noninterest income to average assets | 0.9121% | 1,935 |
| Noninterest expense to average assets | 3.0268% | 3,975 |
| Loan and lease loss provision to assets | 0.5670% | 2,748 |
| Net operating income to assets | 1.0864% | 1,819 |
| Return on assets (ROA) | 1.5143% | 865 |
| Pretax return on assets | 1.5143% | 1,402 |
| Return on Equity (ROE) | 18.8964% | 409 |
| Retained earnings to average equity (ytd only) | 2.7028% | 3,826 |
| Net charge-offs to loans | 0.2190% | 4,131 |
| Credit loss provision to net charge-offs | 376.0246% | 1,236 |
| Earnings coverage of net charge-offs (x) | 10.9652% | 1,947 |
| Efficiency ratio | 64.6729% | 5,776 |
| Assets per employee ($millions) | 3.8758% | 3,931 |
| Cash dividends to net income (ytd only)* | 85.6968% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 5,453 |
| Loan loss allowance to noncurrent loans | 132.2927% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 5,746 |
| Noncurrent loans to loans | 0.8471% | 5,528 |
| Net loans and leases to total assets | 69.3041% | 3,878 |
| Net loans and leases to deposits | 81.4036% | 4,320 |
| Net loans and leases to core deposits | 102.4139% | 4,240 |
| Total domestic deposits to total assets | 85.1364% | 3,197 |
| Equity capital to assets | 7.6431% | 7,137 |
| Core capital (leverage) ratio | 7.6615% | 6,810 |
| Tier 1 risk-based capital ratio | 9.6541% | 7,270 |
| Total risk-based capital ratio | 10.7366% | 7,356 |
| Memoranda: | ||
| Average total assets | $647,281,000 | 1,106 |
| Average earning assets | $606,671,330 | 1,057 |
| Average equity | $51,872,330 | 1,312 |
| Average total loans | $445,571,000 | 1,125 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1551% | 6,469 |
| Cost of funding earning assets | 1.1469% | 7,426 |
| Net interest margin | 4.0082% | 2,611 |
| Noninterest income to average assets | 0.8534% | 2,064 |
| Noninterest expense to average assets | 2.8347% | 4,402 |
| Loan and lease loss provision to assets | 0.1086% | 5,580 |
| Net operating income to assets | 1.6644% | 699 |
| Return on assets (ROA) | 1.6644% | 764 |
| Pretax return on assets | 1.6644% | 1,258 |
| Return on Equity (ROE) | 20.2704% | 406 |
| Retained earnings to average equity (ytd only) | 1.8218% | 4,836 |
| Net charge-offs to loans | 0.0481% | 4,809 |
| Credit loss provision to net charge-offs | 330.7692% | 1,506 |
| Earnings coverage of net charge-offs (x) | 54.0192% | 682 |
| Efficiency ratio | 61.5205% | 6,145 |
| Assets per employee ($millions) | 3.8506% | 3,980 |
| Cash dividends to net income (ytd only)* | 91.0125% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9118% | 6,689 |
| Loan loss allowance to noncurrent loans | 459.3679% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 7,126 |
| Noncurrent loans to loans | 0.1985% | 6,963 |
| Net loans and leases to total assets | 69.2001% | 3,873 |
| Net loans and leases to deposits | 81.6456% | 4,338 |
| Net loans and leases to core deposits | 100.6474% | 4,480 |
| Total domestic deposits to total assets | 84.7566% | 3,322 |
| Equity capital to assets | 8.2186% | 6,512 |
| Core capital (leverage) ratio | 7.8498% | 6,691 |
| Tier 1 risk-based capital ratio | 10.2202% | 6,693 |
| Total risk-based capital ratio | 11.1300% | 6,952 |
| Memoranda: | ||
| Average total assets | $633,728,000 | 1,129 |
| Average earning assets | $593,586,500 | 1,087 |
| Average equity | $52,036,500 | 1,315 |
| Average total loans | $432,019,000 | 1,167 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9345% | 5,884 |
| Cost of funding earning assets | 1.5654% | 7,511 |
| Net interest margin | 4.3691% | 1,772 |
| Noninterest income to average assets | 0.9996% | 1,583 |
| Noninterest expense to average assets | 3.1402% | 3,551 |
| Loan and lease loss provision to assets | 0.0766% | 6,441 |
| Net operating income to assets | 1.8602% | 478 |
| Return on assets (ROA) | 1.8602% | 464 |
| Pretax return on assets | 1.8602% | 835 |
| Return on Equity (ROE) | 22.6050% | 231 |
| Retained earnings to average equity (ytd only) | 5.1724% | 1,918 |
| Net charge-offs to loans | 0.0214% | 6,556 |
| Credit loss provision to net charge-offs | 527.9070% | 826 |
| Earnings coverage of net charge-offs (x) | 133.4419% | 335 |
| Efficiency ratio | 61.8509% | 5,983 |
| Assets per employee ($millions) | 3.7396% | 4,081 |
| Cash dividends to net income (ytd only)* | 77.1185% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9458% | 6,420 |
| Loan loss allowance to noncurrent loans | 442.8251% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 6,965 |
| Noncurrent loans to loans | 0.2136% | 6,751 |
| Net loans and leases to total assets | 65.8476% | 4,879 |
| Net loans and leases to deposits | 78.2094% | 5,309 |
| Net loans and leases to core deposits | 93.6347% | 5,478 |
| Total domestic deposits to total assets | 84.1940% | 3,223 |
| Equity capital to assets | 8.2036% | 6,544 |
| Core capital (leverage) ratio | 8.0308% | 6,440 |
| Tier 1 risk-based capital ratio | 10.7665% | 5,941 |
| Total risk-based capital ratio | 11.6361% | 6,206 |
| Memoranda: | ||
| Average total assets | $592,517,800 | 1,137 |
| Average earning assets | $552,956,600 | 1,112 |
| Average equity | $48,759,200 | 1,405 |
| Average total loans | $401,862,800 | 1,207 |