Home > The First National Bank of Suffield > Performance and Condition Ratios
The First National Bank of Suffield, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9360% | 4,119 |
| Cost of funding earning assets | 0.2490% | 4,788 |
| Net interest margin | 3.6869% | 3,067 |
| Noninterest income to average assets | 0.3436% | 3,848 |
| Noninterest expense to average assets | 2.8159% | 2,582 |
| Loan and lease loss provision to assets | 0.2323% | 696 |
| Net operating income to assets | 0.6268% | 4,429 |
| Return on assets (ROA) | 0.6268% | 4,444 |
| Pretax return on assets | 0.7778% | 4,349 |
| Return on Equity (ROE) | 6.1967% | 4,201 |
| Retained earnings to average equity (ytd only) | 2.6079% | 4,368 |
| Net charge-offs to loans | 0.0630% | 1,928 |
| Credit loss provision to net charge-offs | 440.3670% | 775 |
| Earnings coverage of net charge-offs (x) | 19.1468% | 2,020 |
| Efficiency ratio | 73.5990% | 1,654 |
| Assets per employee ($millions) | 6.2978% | 1,290 |
| Cash dividends to net income (ytd only)* | 57.9155% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9565% | 4,027 |
| Loan loss allowance to noncurrent loans | 47.1777% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 1.7326% | 696 |
| Noncurrent loans to loans | 2.0274% | 715 |
| Net loans and leases to total assets | 84.6400% | 383 |
| Net loans and leases to deposits | 106.5675% | 421 |
| Net loans and leases to core deposits | 110.4212% | 1,008 |
| Total domestic deposits to total assets | 79.4238% | 4,230 |
| Equity capital to assets | 10.1367% | 3,504 |
| Core capital (leverage) ratio | 10.3120% | 3,277 |
| Tier 1 risk-based capital ratio | 16.3200% | 2,326 |
| Total risk-based capital ratio | 17.5709% | 2,270 |
| Memoranda: | ||
| Average total assets | $275,474,000 | 2,305 |
| Average earning assets | $260,192,000 | 2,275 |
| Average equity | $27,863,750 | 2,471 |
| Average total loans | $230,811,750 | 1,949 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8681% | 4,160 |
| Cost of funding earning assets | 0.2410% | 4,795 |
| Net interest margin | 3.6271% | 3,213 |
| Noninterest income to average assets | 0.3324% | 3,958 |
| Noninterest expense to average assets | 2.7883% | 2,697 |
| Loan and lease loss provision to assets | 0.2619% | 584 |
| Net operating income to assets | 0.5732% | 4,586 |
| Return on assets (ROA) | 0.5732% | 4,580 |
| Pretax return on assets | 0.7085% | 4,487 |
| Return on Equity (ROE) | 5.6714% | 4,354 |
| Retained earnings to average equity (ytd only) | 2.0728% | 4,433 |
| Net charge-offs to loans | -0.0035% | 4,036 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1823% | 1,684 |
| Assets per employee ($millions) | 5.7056% | 1,713 |
| Cash dividends to net income (ytd only)* | 63.4518% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9621% | 4,053 |
| Loan loss allowance to noncurrent loans | 44.0328% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 1.8342% | 628 |
| Noncurrent loans to loans | 2.1849% | 643 |
| Net loans and leases to total assets | 83.1425% | 563 |
| Net loans and leases to deposits | 99.6335% | 828 |
| Net loans and leases to core deposits | 103.1727% | 1,467 |
| Total domestic deposits to total assets | 83.4483% | 3,265 |
| Equity capital to assets | 9.9609% | 3,665 |
| Core capital (leverage) ratio | 10.2196% | 3,340 |
| Tier 1 risk-based capital ratio | 16.0704% | 2,411 |
| Total risk-based capital ratio | 17.3215% | 2,350 |
| Memoranda: | ||
| Average total assets | $274,931,330 | 2,315 |
| Average earning assets | $259,712,330 | 2,282 |
| Average equity | $27,788,670 | 2,481 |
| Average total loans | $228,814,330 | 1,960 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8274% | 4,141 |
| Cost of funding earning assets | 0.2216% | 4,884 |
| Net interest margin | 3.6058% | 3,157 |
| Noninterest income to average assets | 0.3316% | 3,934 |
| Noninterest expense to average assets | 2.6719% | 3,130 |
| Loan and lease loss provision to assets | 0.1761% | 988 |
| Net operating income to assets | 0.7351% | 3,966 |
| Return on assets (ROA) | 0.7351% | 3,971 |
| Pretax return on assets | 0.8980% | 3,857 |
| Return on Equity (ROE) | 7.2193% | 3,693 |
| Retained earnings to average equity (ytd only) | 3.6168% | 3,756 |
| Net charge-offs to loans | -0.0071% | 4,124 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3278% | 2,294 |
| Assets per employee ($millions) | 5.6887% | 1,773 |
| Cash dividends to net income (ytd only)* | 49.9002% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8837% | 4,516 |
| Loan loss allowance to noncurrent loans | 152.7631% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.4838% | 2,920 |
| Noncurrent loans to loans | 0.5785% | 2,808 |
| Net loans and leases to total assets | 82.8926% | 550 |
| Net loans and leases to deposits | 98.6102% | 820 |
| Net loans and leases to core deposits | 103.5909% | 1,406 |
| Total domestic deposits to total assets | 84.0609% | 3,302 |
| Equity capital to assets | 10.1927% | 3,404 |
| Core capital (leverage) ratio | 10.3363% | 3,138 |
| Tier 1 risk-based capital ratio | 16.9595% | 2,130 |
| Total risk-based capital ratio | 18.2095% | 2,081 |
| Memoranda: | ||
| Average total assets | $272,610,500 | 2,351 |
| Average earning assets | $258,137,000 | 2,307 |
| Average equity | $27,759,000 | 2,510 |
| Average total loans | $225,870,500 | 1,994 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6281% | 4,514 |
| Cost of funding earning assets | 0.1459% | 5,284 |
| Net interest margin | 3.4822% | 3,584 |
| Noninterest income to average assets | 0.4289% | 3,448 |
| Noninterest expense to average assets | 2.4605% | 3,910 |
| Loan and lease loss provision to assets | 0.0810% | 2,584 |
| Net operating income to assets | 0.6947% | 3,623 |
| Return on assets (ROA) | 0.6947% | 3,678 |
| Pretax return on assets | 1.1899% | 2,812 |
| Return on Equity (ROE) | 6.7233% | 3,422 |
| Retained earnings to average equity (ytd only) | 3.0753% | 3,458 |
| Net charge-offs to loans | 0.0123% | 3,650 |
| Credit loss provision to net charge-offs | 826.9231% | 417 |
| Earnings coverage of net charge-offs (x) | 129.6923% | 527 |
| Efficiency ratio | 65.9394% | 3,279 |
| Assets per employee ($millions) | 6.3294% | 1,301 |
| Cash dividends to net income (ytd only)* | 54.2594% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8479% | 4,674 |
| Loan loss allowance to noncurrent loans | 158.3612% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4394% | 3,114 |
| Noncurrent loans to loans | 0.5354% | 2,894 |
| Net loans and leases to total assets | 81.3792% | 761 |
| Net loans and leases to deposits | 94.7035% | 1,198 |
| Net loans and leases to core deposits | 99.6146% | 1,742 |
| Total domestic deposits to total assets | 85.9305% | 2,473 |
| Equity capital to assets | 10.1726% | 3,521 |
| Core capital (leverage) ratio | 10.4325% | 2,929 |
| Tier 1 risk-based capital ratio | 17.1544% | 2,038 |
| Total risk-based capital ratio | 18.3659% | 2,015 |
| Memoranda: | ||
| Average total assets | $265,307,200 | 2,368 |
| Average earning assets | $251,621,600 | 2,338 |
| Average equity | $27,412,200 | 2,521 |
| Average total loans | $210,875,400 | 2,069 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6020% | 4,554 |
| Cost of funding earning assets | 0.1386% | 5,377 |
| Net interest margin | 3.4634% | 3,626 |
| Noninterest income to average assets | 0.4396% | 3,406 |
| Noninterest expense to average assets | 2.4719% | 3,819 |
| Loan and lease loss provision to assets | 0.0708% | 2,664 |
| Net operating income to assets | 0.7653% | 3,666 |
| Return on assets (ROA) | 0.7653% | 3,723 |
| Pretax return on assets | 1.1826% | 2,976 |
| Return on Equity (ROE) | 7.3775% | 3,459 |
| Retained earnings to average equity (ytd only) | 3.7204% | 3,709 |
| Net charge-offs to loans | 0.0167% | 3,182 |
| Credit loss provision to net charge-offs | 538.4615% | 586 |
| Earnings coverage of net charge-offs (x) | 95.2962% | 712 |
| Efficiency ratio | 66.3544% | 3,156 |
| Assets per employee ($millions) | 6.6481% | 1,102 |
| Cash dividends to net income (ytd only)* | 49.5707% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 4,735 |
| Loan loss allowance to noncurrent loans | 129.0987% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5299% | 2,938 |
| Noncurrent loans to loans | 0.6631% | 2,715 |
| Net loans and leases to total assets | 79.2244% | 1,092 |
| Net loans and leases to deposits | 90.7128% | 1,726 |
| Net loans and leases to core deposits | 95.5451% | 2,127 |
| Total domestic deposits to total assets | 87.3354% | 1,707 |
| Equity capital to assets | 10.4211% | 3,451 |
| Core capital (leverage) ratio | 10.3550% | 3,133 |
| Tier 1 risk-based capital ratio | 18.2373% | 1,793 |
| Total risk-based capital ratio | 19.4802% | 1,756 |
| Memoranda: | ||
| Average total assets | $263,593,250 | 2,403 |
| Average earning assets | $250,075,750 | 2,370 |
| Average equity | $27,343,750 | 2,545 |
| Average total loans | $207,749,750 | 2,101 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5513% | 4,628 |
| Cost of funding earning assets | 0.1355% | 5,415 |
| Net interest margin | 3.4158% | 3,715 |
| Noninterest income to average assets | 0.4589% | 3,299 |
| Noninterest expense to average assets | 2.4801% | 3,813 |
| Loan and lease loss provision to assets | 0.0571% | 2,832 |
| Net operating income to assets | 0.7572% | 3,599 |
| Return on assets (ROA) | 0.7572% | 3,652 |
| Pretax return on assets | 1.1635% | 2,915 |
| Return on Equity (ROE) | 7.3105% | 3,388 |
| Retained earnings to average equity (ytd only) | 3.6369% | 3,546 |
| Net charge-offs to loans | 0.0039% | 3,357 |
| Credit loss provision to net charge-offs | 1,875.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 401.0000% | 211 |
| Efficiency ratio | 67.0162% | 3,181 |
| Assets per employee ($millions) | 6.2708% | 1,272 |
| Cash dividends to net income (ytd only)* | 50.2513% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8339% | 4,859 |
| Loan loss allowance to noncurrent loans | 243.2877% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 4,039 |
| Noncurrent loans to loans | 0.3428% | 3,815 |
| Net loans and leases to total assets | 78.3232% | 1,195 |
| Net loans and leases to deposits | 88.9777% | 1,868 |
| Net loans and leases to core deposits | 93.8206% | 2,169 |
| Total domestic deposits to total assets | 88.0256% | 1,445 |
| Equity capital to assets | 10.1842% | 3,686 |
| Core capital (leverage) ratio | 10.3230% | 3,112 |
| Tier 1 risk-based capital ratio | 17.6006% | 1,976 |
| Total risk-based capital ratio | 18.7843% | 1,949 |
| Memoranda: | ||
| Average total assets | $262,816,670 | 2,420 |
| Average earning assets | $249,426,330 | 2,385 |
| Average equity | $27,221,000 | 2,555 |
| Average total loans | $206,168,000 | 2,117 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5123% | 4,658 |
| Cost of funding earning assets | 0.1333% | 5,473 |
| Net interest margin | 3.3790% | 3,718 |
| Noninterest income to average assets | 0.3855% | 3,771 |
| Noninterest expense to average assets | 2.2791% | 4,462 |
| Loan and lease loss provision to assets | 0.0463% | 2,877 |
| Net operating income to assets | 0.8188% | 3,132 |
| Return on assets (ROA) | 0.8188% | 3,189 |
| Pretax return on assets | 1.2660% | 2,363 |
| Return on Equity (ROE) | 7.8373% | 3,005 |
| Retained earnings to average equity (ytd only) | 4.1474% | 3,388 |
| Net charge-offs to loans | 0.0079% | 2,698 |
| Credit loss provision to net charge-offs | 750.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 212.7500% | 265 |
| Efficiency ratio | 63.4607% | 3,923 |
| Assets per employee ($millions) | 6.3126% | 1,288 |
| Cash dividends to net income (ytd only)* | 47.0810% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8428% | 4,949 |
| Loan loss allowance to noncurrent loans | 230.8000% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 4,075 |
| Noncurrent loans to loans | 0.3651% | 3,781 |
| Net loans and leases to total assets | 76.8170% | 1,289 |
| Net loans and leases to deposits | 86.4276% | 1,986 |
| Net loans and leases to core deposits | 91.4325% | 2,223 |
| Total domestic deposits to total assets | 88.8802% | 1,206 |
| Equity capital to assets | 10.2716% | 3,443 |
| Core capital (leverage) ratio | 10.4796% | 2,930 |
| Tier 1 risk-based capital ratio | 17.7872% | 1,943 |
| Total risk-based capital ratio | 18.9601% | 1,930 |
| Memoranda: | ||
| Average total assets | $259,403,500 | 2,470 |
| Average earning assets | $246,110,000 | 2,427 |
| Average equity | $27,101,000 | 2,569 |
| Average total loans | $202,767,500 | 2,154 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5438% | 4,654 |
| Cost of funding earning assets | 0.1390% | 5,492 |
| Net interest margin | 3.4048% | 3,811 |
| Noninterest income to average assets | 0.6509% | 2,415 |
| Noninterest expense to average assets | 2.3856% | 4,333 |
| Loan and lease loss provision to assets | 0.0480% | 3,432 |
| Net operating income to assets | 0.9298% | 2,683 |
| Return on assets (ROA) | 0.9298% | 2,797 |
| Pretax return on assets | 1.4406% | 1,778 |
| Return on Equity (ROE) | 8.8396% | 2,495 |
| Retained earnings to average equity (ytd only) | 5.7016% | 1,882 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5758% | 4,335 |
| Assets per employee ($millions) | 6.3419% | 1,236 |
| Cash dividends to net income (ytd only)* | 35.4991% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8519% | 4,953 |
| Loan loss allowance to noncurrent loans | 260.3053% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 4,265 |
| Noncurrent loans to loans | 0.3273% | 3,970 |
| Net loans and leases to total assets | 78.2231% | 1,168 |
| Net loans and leases to deposits | 89.1934% | 1,781 |
| Net loans and leases to core deposits | 94.1516% | 2,090 |
| Total domestic deposits to total assets | 87.7005% | 1,791 |
| Equity capital to assets | 10.6312% | 2,998 |
| Core capital (leverage) ratio | 10.7860% | 2,546 |
| Tier 1 risk-based capital ratio | 18.2519% | 1,789 |
| Total risk-based capital ratio | 19.4504% | 1,760 |
| Memoranda: | ||
| Average total assets | $249,958,800 | 2,509 |
| Average earning assets | $236,639,000 | 2,462 |
| Average equity | $26,290,800 | 2,613 |
| Average total loans | $192,946,200 | 2,175 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5482% | 4,683 |
| Cost of funding earning assets | 0.1392% | 5,553 |
| Net interest margin | 3.4091% | 3,809 |
| Noninterest income to average assets | 0.6302% | 2,520 |
| Noninterest expense to average assets | 2.4066% | 4,264 |
| Loan and lease loss provision to assets | 0.0482% | 3,286 |
| Net operating income to assets | 0.9193% | 2,813 |
| Return on assets (ROA) | 0.9193% | 2,934 |
| Pretax return on assets | 1.4017% | 2,032 |
| Return on Equity (ROE) | 8.7641% | 2,627 |
| Retained earnings to average equity (ytd only) | 5.7015% | 2,353 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4046% | 4,159 |
| Assets per employee ($millions) | 6.2146% | 1,287 |
| Cash dividends to net income (ytd only)* | 34.9446% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 4,981 |
| Loan loss allowance to noncurrent loans | 356.3830% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 4,701 |
| Noncurrent loans to loans | 0.2432% | 4,400 |
| Net loans and leases to total assets | 75.1934% | 1,669 |
| Net loans and leases to deposits | 84.6572% | 2,409 |
| Net loans and leases to core deposits | 88.0502% | 2,753 |
| Total domestic deposits to total assets | 88.8210% | 1,001 |
| Equity capital to assets | 10.4942% | 3,575 |
| Core capital (leverage) ratio | 10.4800% | 3,018 |
| Tier 1 risk-based capital ratio | 18.9063% | 1,692 |
| Total risk-based capital ratio | 20.1400% | 1,655 |
| Memoranda: | ||
| Average total assets | $249,029,250 | 2,520 |
| Average earning assets | $235,680,250 | 2,478 |
| Average equity | $26,121,250 | 2,648 |
| Average total loans | $191,148,000 | 2,198 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5468% | 4,756 |
| Cost of funding earning assets | 0.1402% | 5,610 |
| Net interest margin | 3.4066% | 3,867 |
| Noninterest income to average assets | 0.6175% | 2,521 |
| Noninterest expense to average assets | 2.4394% | 4,215 |
| Loan and lease loss provision to assets | 0.0486% | 3,177 |
| Net operating income to assets | 0.8911% | 2,905 |
| Return on assets (ROA) | 0.8911% | 3,031 |
| Pretax return on assets | 1.3549% | 2,191 |
| Return on Equity (ROE) | 8.4969% | 2,749 |
| Retained earnings to average equity (ytd only) | 5.6029% | 2,362 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4794% | 4,107 |
| Assets per employee ($millions) | 6.0679% | 1,353 |
| Cash dividends to net income (ytd only)* | 34.0599% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 5,122 |
| Loan loss allowance to noncurrent loans | 403.1863% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.1640% | 4,853 |
| Noncurrent loans to loans | 0.2115% | 4,593 |
| Net loans and leases to total assets | 76.8811% | 1,357 |
| Net loans and leases to deposits | 87.4427% | 2,073 |
| Net loans and leases to core deposits | 91.2237% | 2,414 |
| Total domestic deposits to total assets | 87.9216% | 1,475 |
| Equity capital to assets | 10.6092% | 3,522 |
| Core capital (leverage) ratio | 10.5295% | 2,938 |
| Tier 1 risk-based capital ratio | 18.4140% | 1,819 |
| Total risk-based capital ratio | 19.6132% | 1,796 |
| Memoranda: | ||
| Average total assets | $247,106,000 | 2,557 |
| Average earning assets | $233,957,670 | 2,507 |
| Average equity | $25,915,330 | 2,673 |
| Average total loans | $190,441,670 | 2,205 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5330% | 4,806 |
| Cost of funding earning assets | 0.1406% | 5,669 |
| Net interest margin | 3.3924% | 3,900 |
| Noninterest income to average assets | 0.5717% | 2,668 |
| Noninterest expense to average assets | 2.4169% | 4,318 |
| Loan and lease loss provision to assets | 0.0487% | 2,950 |
| Net operating income to assets | 0.8657% | 2,914 |
| Return on assets (ROA) | 0.8657% | 3,032 |
| Pretax return on assets | 1.3205% | 2,220 |
| Return on Equity (ROE) | 8.3035% | 2,759 |
| Retained earnings to average equity (ytd only) | 5.5772% | 2,599 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8353% | 4,152 |
| Assets per employee ($millions) | 6.1267% | 1,317 |
| Cash dividends to net income (ytd only)* | 32.8330% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8479% | 5,236 |
| Loan loss allowance to noncurrent loans | 385.4415% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 4,885 |
| Noncurrent loans to loans | 0.2200% | 4,641 |
| Net loans and leases to total assets | 77.0589% | 1,240 |
| Net loans and leases to deposits | 87.4145% | 1,894 |
| Net loans and leases to core deposits | 91.1006% | 2,268 |
| Total domestic deposits to total assets | 88.1534% | 1,558 |
| Equity capital to assets | 10.5796% | 3,391 |
| Core capital (leverage) ratio | 10.4214% | 3,053 |
| Tier 1 risk-based capital ratio | 18.4376% | 1,874 |
| Total risk-based capital ratio | 19.6339% | 1,843 |
| Memoranda: | ||
| Average total assets | $246,267,500 | 2,567 |
| Average earning assets | $233,343,000 | 2,519 |
| Average equity | $25,676,000 | 2,689 |
| Average total loans | $189,206,500 | 2,219 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4233% | 5,109 |
| Cost of funding earning assets | 0.1458% | 5,711 |
| Net interest margin | 3.2774% | 4,380 |
| Noninterest income to average assets | 0.6354% | 2,535 |
| Noninterest expense to average assets | 2.8677% | 2,974 |
| Loan and lease loss provision to assets | 0.0810% | 2,669 |
| Net operating income to assets | 0.5272% | 4,591 |
| Return on assets (ROA) | 0.5272% | 4,671 |
| Pretax return on assets | 0.7829% | 4,249 |
| Return on Equity (ROE) | 5.2095% | 4,402 |
| Retained earnings to average equity (ytd only) | 1.7058% | 4,755 |
| Net charge-offs to loans | 0.0686% | 2,865 |
| Credit loss provision to net charge-offs | 161.2903% | 1,670 |
| Earnings coverage of net charge-offs (x) | 17.1935% | 2,090 |
| Efficiency ratio | 76.8487% | 2,142 |
| Assets per employee ($millions) | 6.1867% | 1,265 |
| Cash dividends to net income (ytd only)* | 67.2560% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8433% | 5,285 |
| Loan loss allowance to noncurrent loans | 399.2443% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.1604% | 4,964 |
| Noncurrent loans to loans | 0.2112% | 4,662 |
| Net loans and leases to total assets | 75.3095% | 1,523 |
| Net loans and leases to deposits | 84.6615% | 2,283 |
| Net loans and leases to core deposits | 88.0306% | 2,600 |
| Total domestic deposits to total assets | 88.9537% | 1,138 |
| Equity capital to assets | 10.2741% | 3,655 |
| Core capital (leverage) ratio | 10.3804% | 3,072 |
| Tier 1 risk-based capital ratio | 16.8383% | 2,343 |
| Total risk-based capital ratio | 17.9264% | 2,354 |
| Memoranda: | ||
| Average total assets | $246,785,000 | 2,530 |
| Average earning assets | $233,139,800 | 2,479 |
| Average equity | $24,973,600 | 2,696 |
| Average total loans | $180,704,000 | 2,235 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4078% | 5,187 |
| Cost of funding earning assets | 0.1472% | 5,802 |
| Net interest margin | 3.2606% | 4,488 |
| Noninterest income to average assets | 0.6261% | 2,602 |
| Noninterest expense to average assets | 3.0735% | 2,286 |
| Loan and lease loss provision to assets | 0.0838% | 2,497 |
| Net operating income to assets | 0.3812% | 5,231 |
| Return on assets (ROA) | 0.3812% | 5,310 |
| Pretax return on assets | 0.5461% | 5,108 |
| Return on Equity (ROE) | 3.7810% | 5,113 |
| Retained earnings to average equity (ytd only) | 0.0268% | 5,585 |
| Net charge-offs to loans | 0.0902% | 2,264 |
| Credit loss provision to net charge-offs | 128.0992% | 1,898 |
| Earnings coverage of net charge-offs (x) | 9.6280% | 2,680 |
| Efficiency ratio | 82.9927% | 1,272 |
| Assets per employee ($millions) | 6.1015% | 1,295 |
| Cash dividends to net income (ytd only)* | 99.2904% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8466% | 5,381 |
| Loan loss allowance to noncurrent loans | 355.5300% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.1778% | 5,042 |
| Noncurrent loans to loans | 0.2381% | 4,719 |
| Net loans and leases to total assets | 74.0471% | 1,725 |
| Net loans and leases to deposits | 83.7357% | 2,438 |
| Net loans and leases to core deposits | 87.5107% | 2,704 |
| Total domestic deposits to total assets | 88.4295% | 1,320 |
| Equity capital to assets | 10.3118% | 3,797 |
| Core capital (leverage) ratio | 10.0551% | 3,552 |
| Tier 1 risk-based capital ratio | 16.9625% | 2,394 |
| Total risk-based capital ratio | 18.0486% | 2,400 |
| Memoranda: | ||
| Average total assets | $246,614,250 | 2,554 |
| Average earning assets | $232,753,000 | 2,501 |
| Average equity | $24,860,750 | 2,724 |
| Average total loans | $178,892,000 | 2,258 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2680% | 5,499 |
| Cost of funding earning assets | 0.1491% | 5,853 |
| Net interest margin | 3.1189% | 4,918 |
| Noninterest income to average assets | 0.6215% | 2,624 |
| Noninterest expense to average assets | 2.3559% | 4,698 |
| Loan and lease loss provision to assets | 0.0889% | 2,330 |
| Net operating income to assets | 0.7193% | 3,797 |
| Return on assets (ROA) | 0.7193% | 3,915 |
| Pretax return on assets | 1.1185% | 3,095 |
| Return on Equity (ROE) | 7.1894% | 3,493 |
| Retained earnings to average equity (ytd only) | 4.3621% | 3,240 |
| Net charge-offs to loans | 0.0889% | 2,142 |
| Credit loss provision to net charge-offs | 139.2405% | 1,613 |
| Earnings coverage of net charge-offs (x) | 18.9114% | 1,781 |
| Efficiency ratio | 66.1148% | 3,988 |
| Assets per employee ($millions) | 6.5029% | 1,049 |
| Cash dividends to net income (ytd only)* | 39.3258% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8556% | 5,449 |
| Loan loss allowance to noncurrent loans | 63.7417% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 0.9777% | 2,572 |
| Noncurrent loans to loans | 1.3423% | 2,006 |
| Net loans and leases to total assets | 72.2159% | 1,943 |
| Net loans and leases to deposits | 81.6905% | 2,599 |
| Net loans and leases to core deposits | 85.5959% | 2,807 |
| Total domestic deposits to total assets | 88.4019% | 1,441 |
| Equity capital to assets | 10.1348% | 3,892 |
| Core capital (leverage) ratio | 10.4777% | 2,992 |
| Tier 1 risk-based capital ratio | 17.1980% | 2,328 |
| Total risk-based capital ratio | 18.2740% | 2,339 |
| Memoranda: | ||
| Average total assets | $247,465,330 | 2,564 |
| Average earning assets | $233,415,330 | 2,513 |
| Average equity | $24,758,670 | 2,741 |
| Average total loans | $177,768,330 | 2,279 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2385% | 5,580 |
| Cost of funding earning assets | 0.1541% | 5,900 |
| Net interest margin | 3.0844% | 4,995 |
| Noninterest income to average assets | 0.5540% | 2,928 |
| Noninterest expense to average assets | 2.4148% | 4,553 |
| Loan and lease loss provision to assets | 0.1050% | 1,954 |
| Net operating income to assets | 0.6138% | 4,223 |
| Return on assets (ROA) | 0.6138% | 4,312 |
| Pretax return on assets | 0.9433% | 3,724 |
| Return on Equity (ROE) | 6.1748% | 3,944 |
| Retained earnings to average equity (ytd only) | 3.3312% | 3,983 |
| Net charge-offs to loans | 0.1789% | 1,213 |
| Credit loss provision to net charge-offs | 82.2785% | 1,810 |
| Earnings coverage of net charge-offs (x) | 8.2152% | 2,101 |
| Efficiency ratio | 69.7295% | 3,536 |
| Assets per employee ($millions) | 5.7325% | 1,603 |
| Cash dividends to net income (ytd only)* | 46.0526% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8439% | 5,587 |
| Loan loss allowance to noncurrent loans | 68.2648% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 0.9160% | 2,807 |
| Noncurrent loans to loans | 1.2362% | 2,311 |
| Net loans and leases to total assets | 71.2640% | 1,935 |
| Net loans and leases to deposits | 80.9792% | 2,453 |
| Net loans and leases to core deposits | 84.4941% | 2,715 |
| Total domestic deposits to total assets | 88.0028% | 1,820 |
| Equity capital to assets | 10.0491% | 4,092 |
| Core capital (leverage) ratio | 10.1172% | 3,446 |
| Tier 1 risk-based capital ratio | 17.0061% | 2,476 |
| Total risk-based capital ratio | 18.0528% | 2,516 |
| Memoranda: | ||
| Average total assets | $247,643,500 | 2,578 |
| Average earning assets | $233,564,000 | 2,525 |
| Average equity | $24,616,000 | 2,778 |
| Average total loans | $176,656,500 | 2,299 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2114% | 5,822 |
| Cost of funding earning assets | 0.1741% | 5,949 |
| Net interest margin | 3.0373% | 5,355 |
| Noninterest income to average assets | 0.6153% | 2,767 |
| Noninterest expense to average assets | 2.3616% | 4,941 |
| Loan and lease loss provision to assets | 0.0384% | 3,808 |
| Net operating income to assets | 0.6938% | 3,925 |
| Return on assets (ROA) | 0.6938% | 4,042 |
| Pretax return on assets | 1.0708% | 3,202 |
| Return on Equity (ROE) | 6.8167% | 3,742 |
| Retained earnings to average equity (ytd only) | 3.2279% | 3,934 |
| Net charge-offs to loans | 0.0066% | 4,795 |
| Credit loss provision to net charge-offs | 836.3636% | 326 |
| Earnings coverage of net charge-offs (x) | 241.5455% | 227 |
| Efficiency ratio | 68.0419% | 3,896 |
| Assets per employee ($millions) | 5.7858% | 1,535 |
| Cash dividends to net income (ytd only)* | 52.6474% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 5,617 |
| Loan loss allowance to noncurrent loans | 54.4176% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 1.1419% | 2,477 |
| Noncurrent loans to loans | 1.5742% | 1,857 |
| Net loans and leases to total assets | 70.1979% | 2,205 |
| Net loans and leases to deposits | 79.0881% | 2,822 |
| Net loans and leases to core deposits | 83.7212% | 2,924 |
| Total domestic deposits to total assets | 88.7591% | 1,382 |
| Equity capital to assets | 9.8321% | 4,308 |
| Core capital (leverage) ratio | 10.2580% | 3,236 |
| Tier 1 risk-based capital ratio | 18.0039% | 2,137 |
| Total risk-based capital ratio | 19.1324% | 2,141 |
| Memoranda: | ||
| Average total assets | $239,543,600 | 2,618 |
| Average earning assets | $225,200,800 | 2,575 |
| Average equity | $24,381,400 | 2,724 |
| Average total loans | $167,758,000 | 2,341 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2124% | 5,888 |
| Cost of funding earning assets | 0.1753% | 6,034 |
| Net interest margin | 3.0371% | 5,412 |
| Noninterest income to average assets | 0.6261% | 2,710 |
| Noninterest expense to average assets | 2.4605% | 4,641 |
| Loan and lease loss provision to assets | 0.0303% | 3,803 |
| Net operating income to assets | 0.6446% | 4,237 |
| Return on assets (ROA) | 0.6446% | 4,336 |
| Pretax return on assets | 0.9880% | 3,641 |
| Return on Equity (ROE) | 6.2775% | 4,094 |
| Retained earnings to average equity (ytd only) | 2.4464% | 4,835 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7270% | 3,382 |
| Assets per employee ($millions) | 6.3092% | 1,143 |
| Cash dividends to net income (ytd only)* | 61.0286% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8767% | 5,671 |
| Loan loss allowance to noncurrent loans | 49.9663% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 1.2054% | 2,538 |
| Noncurrent loans to loans | 1.7546% | 1,848 |
| Net loans and leases to total assets | 68.0988% | 2,523 |
| Net loans and leases to deposits | 77.2555% | 3,033 |
| Net loans and leases to core deposits | 82.2400% | 3,085 |
| Total domestic deposits to total assets | 88.1476% | 1,687 |
| Equity capital to assets | 9.9720% | 4,195 |
| Core capital (leverage) ratio | 10.0531% | 3,597 |
| Tier 1 risk-based capital ratio | 18.3869% | 2,091 |
| Total risk-based capital ratio | 19.5352% | 2,084 |
| Memoranda: | ||
| Average total assets | $237,232,500 | 2,654 |
| Average earning assets | $222,838,250 | 2,604 |
| Average equity | $24,361,500 | 2,729 |
| Average total loans | $165,659,250 | 2,387 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2014% | 5,951 |
| Cost of funding earning assets | 0.1773% | 6,092 |
| Net interest margin | 3.0241% | 5,456 |
| Noninterest income to average assets | 0.5967% | 2,829 |
| Noninterest expense to average assets | 2.4867% | 4,621 |
| Loan and lease loss provision to assets | 0.0256% | 3,764 |
| Net operating income to assets | 0.6069% | 4,324 |
| Return on assets (ROA) | 0.6069% | 4,419 |
| Pretax return on assets | 0.9236% | 3,790 |
| Return on Equity (ROE) | 5.8511% | 4,241 |
| Retained earnings to average equity (ytd only) | 2.9708% | 4,313 |
| Net charge-offs to loans | -0.0012% | 5,032 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3727% | 3,273 |
| Assets per employee ($millions) | 5.7138% | 1,512 |
| Cash dividends to net income (ytd only)* | 49.2264% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8662% | 5,824 |
| Loan loss allowance to noncurrent loans | 55.3071% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 1.1261% | 2,833 |
| Noncurrent loans to loans | 1.5662% | 2,213 |
| Net loans and leases to total assets | 71.2737% | 1,870 |
| Net loans and leases to deposits | 82.1339% | 2,239 |
| Net loans and leases to core deposits | 86.3671% | 2,480 |
| Total domestic deposits to total assets | 86.7774% | 2,591 |
| Equity capital to assets | 10.4565% | 3,494 |
| Core capital (leverage) ratio | 10.5642% | 2,872 |
| Tier 1 risk-based capital ratio | 18.5930% | 2,040 |
| Total risk-based capital ratio | 19.7400% | 2,027 |
| Memoranda: | ||
| Average total assets | $234,290,000 | 2,687 |
| Average earning assets | $219,965,670 | 2,641 |
| Average equity | $24,303,000 | 2,728 |
| Average total loans | $164,530,330 | 2,400 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1526% | 6,061 |
| Cost of funding earning assets | 0.1801% | 6,162 |
| Net interest margin | 2.9725% | 5,591 |
| Noninterest income to average assets | 0.5907% | 2,789 |
| Noninterest expense to average assets | 2.4703% | 4,714 |
| Loan and lease loss provision to assets | 0.0205% | 3,560 |
| Net operating income to assets | 0.5702% | 4,349 |
| Return on assets (ROA) | 0.5702% | 4,425 |
| Pretax return on assets | 0.8895% | 3,739 |
| Return on Equity (ROE) | 5.5192% | 4,269 |
| Retained earnings to average equity (ytd only) | 2.6274% | 4,500 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0808% | 3,299 |
| Assets per employee ($millions) | 5.7167% | 1,523 |
| Cash dividends to net income (ytd only)* | 52.3952% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 5,909 |
| Loan loss allowance to noncurrent loans | 60.2425% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 1.0205% | 3,216 |
| Noncurrent loans to loans | 1.4702% | 2,582 |
| Net loans and leases to total assets | 68.7981% | 2,094 |
| Net loans and leases to deposits | 77.8492% | 2,578 |
| Net loans and leases to core deposits | 82.0467% | 2,731 |
| Total domestic deposits to total assets | 88.3735% | 2,007 |
| Equity capital to assets | 10.3547% | 3,394 |
| Core capital (leverage) ratio | 10.4880% | 2,950 |
| Tier 1 risk-based capital ratio | 19.0566% | 1,949 |
| Total risk-based capital ratio | 20.2286% | 1,939 |
| Memoranda: | ||
| Average total assets | $234,302,000 | 2,699 |
| Average earning assets | $219,882,000 | 2,654 |
| Average equity | $24,206,500 | 2,732 |
| Average total loans | $162,581,000 | 2,426 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0981% | 6,241 |
| Cost of funding earning assets | 0.2074% | 6,245 |
| Net interest margin | 2.8908% | 5,803 |
| Noninterest income to average assets | 0.8332% | 1,923 |
| Noninterest expense to average assets | 2.3661% | 5,176 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7466% | 3,569 |
| Return on assets (ROA) | 0.7632% | 3,576 |
| Pretax return on assets | 1.2040% | 2,565 |
| Return on Equity (ROE) | 7.5328% | 3,277 |
| Retained earnings to average equity (ytd only) | 3.0541% | 4,057 |
| Net charge-offs to loans | 0.0312% | 4,811 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 56.7917% | 720 |
| Efficiency ratio | 66.7602% | 4,414 |
| Assets per employee ($millions) | 5.7126% | 1,464 |
| Cash dividends to net income (ytd only)* | 59.4564% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8789% | 5,986 |
| Loan loss allowance to noncurrent loans | 55.3703% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 1.1011% | 3,207 |
| Noncurrent loans to loans | 1.5874% | 2,519 |
| Net loans and leases to total assets | 68.7565% | 2,215 |
| Net loans and leases to deposits | 78.7374% | 2,627 |
| Net loans and leases to core deposits | 83.2584% | 2,748 |
| Total domestic deposits to total assets | 87.3238% | 2,568 |
| Equity capital to assets | 10.3079% | 3,387 |
| Core capital (leverage) ratio | 10.3998% | 3,022 |
| Tier 1 risk-based capital ratio | 18.8010% | 1,981 |
| Total risk-based capital ratio | 19.9548% | 1,972 |
| Memoranda: | ||
| Average total assets | $231,393,400 | 2,707 |
| Average earning assets | $217,002,400 | 2,654 |
| Average equity | $23,444,200 | 2,778 |
| Average total loans | $153,964,400 | 2,504 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0912% | 6,330 |
| Cost of funding earning assets | 0.2120% | 6,343 |
| Net interest margin | 2.8792% | 5,860 |
| Noninterest income to average assets | 0.8959% | 1,770 |
| Noninterest expense to average assets | 2.4044% | 5,017 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7453% | 3,625 |
| Return on assets (ROA) | 0.7675% | 3,650 |
| Pretax return on assets | 1.2264% | 2,596 |
| Return on Equity (ROE) | 7.6092% | 3,320 |
| Retained earnings to average equity (ytd only) | 2.5956% | 4,775 |
| Net charge-offs to loans | 0.0422% | 4,308 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 42.9572% | 959 |
| Efficiency ratio | 66.8595% | 4,328 |
| Assets per employee ($millions) | 5.7223% | 1,426 |
| Cash dividends to net income (ytd only)* | 65.8888% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9325% | 5,968 |
| Loan loss allowance to noncurrent loans | 55.0289% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 1.1061% | 3,443 |
| Noncurrent loans to loans | 1.6946% | 2,650 |
| Net loans and leases to total assets | 64.6622% | 2,887 |
| Net loans and leases to deposits | 73.0497% | 3,396 |
| Net loans and leases to core deposits | 77.3513% | 3,449 |
| Total domestic deposits to total assets | 88.5181% | 1,832 |
| Equity capital to assets | 10.0067% | 3,890 |
| Core capital (leverage) ratio | 10.2993% | 3,243 |
| Tier 1 risk-based capital ratio | 19.7580% | 1,796 |
| Total risk-based capital ratio | 20.9839% | 1,768 |
| Memoranda: | ||
| Average total assets | $230,687,250 | 2,728 |
| Average earning assets | $216,350,250 | 2,670 |
| Average equity | $23,269,500 | 2,817 |
| Average total loans | $151,838,500 | 2,546 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1268% | 6,312 |
| Cost of funding earning assets | 0.2177% | 6,382 |
| Net interest margin | 2.9091% | 5,785 |
| Noninterest income to average assets | 0.9417% | 1,684 |
| Noninterest expense to average assets | 2.3969% | 5,063 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7905% | 3,347 |
| Return on assets (ROA) | 0.8240% | 3,333 |
| Pretax return on assets | 1.3236% | 2,218 |
| Return on Equity (ROE) | 8.1464% | 3,016 |
| Retained earnings to average equity (ytd only) | 2.1120% | 4,924 |
| Net charge-offs to loans | 0.0634% | 3,799 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 30.3750% | 1,137 |
| Efficiency ratio | 65.3435% | 4,661 |
| Assets per employee ($millions) | 5.3188% | 1,770 |
| Cash dividends to net income (ytd only)* | 74.0741% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9283% | 6,057 |
| Loan loss allowance to noncurrent loans | 53.3632% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 1.1701% | 3,411 |
| Noncurrent loans to loans | 1.7395% | 2,714 |
| Net loans and leases to total assets | 66.6391% | 2,479 |
| Net loans and leases to deposits | 76.0046% | 2,877 |
| Net loans and leases to core deposits | 79.6427% | 3,068 |
| Total domestic deposits to total assets | 87.6777% | 2,452 |
| Equity capital to assets | 10.1662% | 3,705 |
| Core capital (leverage) ratio | 10.3567% | 3,037 |
| Tier 1 risk-based capital ratio | 19.5481% | 1,844 |
| Total risk-based capital ratio | 20.7717% | 1,826 |
| Memoranda: | ||
| Average total assets | $229,378,670 | 2,751 |
| Average earning assets | $214,982,330 | 2,692 |
| Average equity | $23,200,330 | 2,842 |
| Average total loans | $151,406,670 | 2,550 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1222% | 6,379 |
| Cost of funding earning assets | 0.2231% | 6,457 |
| Net interest margin | 2.8991% | 5,818 |
| Noninterest income to average assets | 0.9177% | 1,702 |
| Noninterest expense to average assets | 2.3612% | 5,232 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7881% | 3,231 |
| Return on assets (ROA) | 0.8550% | 3,013 |
| Pretax return on assets | 1.3756% | 1,939 |
| Return on Equity (ROE) | 8.4746% | 2,732 |
| Retained earnings to average equity (ytd only) | 2.4337% | 4,809 |
| Net charge-offs to loans | 0.1278% | 2,648 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 15.2083% | 1,412 |
| Efficiency ratio | 65.0048% | 4,823 |
| Assets per employee ($millions) | 5.7971% | 1,409 |
| Cash dividends to net income (ytd only)* | 71.2831% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 6,122 |
| Loan loss allowance to noncurrent loans | 50.1404% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 1.2282% | 3,511 |
| Noncurrent loans to loans | 1.9027% | 2,732 |
| Net loans and leases to total assets | 63.9351% | 2,718 |
| Net loans and leases to deposits | 73.6757% | 2,963 |
| Net loans and leases to core deposits | 77.3058% | 3,155 |
| Total domestic deposits to total assets | 86.7791% | 3,084 |
| Equity capital to assets | 10.0098% | 4,139 |
| Core capital (leverage) ratio | 10.3670% | 2,943 |
| Tier 1 risk-based capital ratio | 19.7437% | 1,837 |
| Total risk-based capital ratio | 20.9849% | 1,810 |
| Memoranda: | ||
| Average total assets | $229,714,000 | 2,778 |
| Average earning assets | $215,102,000 | 2,715 |
| Average equity | $23,175,000 | 2,899 |
| Average total loans | $150,191,500 | 2,579 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3569% | 6,533 |
| Cost of funding earning assets | 0.3035% | 6,435 |
| Net interest margin | 3.0534% | 5,922 |
| Noninterest income to average assets | 1.0748% | 1,349 |
| Noninterest expense to average assets | 2.4118% | 5,374 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9436% | 2,584 |
| Return on assets (ROA) | 0.9436% | 2,833 |
| Pretax return on assets | 1.5220% | 1,617 |
| Return on Equity (ROE) | 9.0746% | 2,608 |
| Retained earnings to average equity (ytd only) | 2.9431% | 4,156 |
| Net charge-offs to loans | 0.0027% | 5,952 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 835.5000% | 42 |
| Efficiency ratio | 61.3105% | 5,343 |
| Assets per employee ($millions) | 5.8345% | 1,406 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 6,035 |
| Loan loss allowance to noncurrent loans | 44.9178% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 1.4441% | 3,217 |
| Noncurrent loans to loans | 2.1805% | 2,487 |
| Net loans and leases to total assets | 65.5801% | 2,595 |
| Net loans and leases to deposits | 75.1086% | 2,937 |
| Net loans and leases to core deposits | 79.1162% | 3,132 |
| Total domestic deposits to total assets | 87.3138% | 2,639 |
| Equity capital to assets | 10.1689% | 3,932 |
| Core capital (leverage) ratio | 10.5669% | 2,685 |
| Tier 1 risk-based capital ratio | 19.5357% | 1,805 |
| Total risk-based capital ratio | 20.8194% | 1,762 |
| Memoranda: | ||
| Average total assets | $219,585,200 | 2,844 |
| Average earning assets | $205,604,200 | 2,798 |
| Average equity | $22,833,000 | 2,868 |
| Average total loans | $147,206,000 | 2,618 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4171% | 6,607 |
| Cost of funding earning assets | 0.3186% | 6,523 |
| Net interest margin | 3.0986% | 5,941 |
| Noninterest income to average assets | 1.0080% | 1,483 |
| Noninterest expense to average assets | 2.5159% | 5,029 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8701% | 3,129 |
| Return on assets (ROA) | 0.8701% | 3,373 |
| Pretax return on assets | 1.3946% | 2,257 |
| Return on Equity (ROE) | 8.3198% | 3,124 |
| Retained earnings to average equity (ytd only) | 2.1678% | 5,242 |
| Net charge-offs to loans | 0.0036% | 5,717 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 569.3415% | 76 |
| Efficiency ratio | 64.3372% | 4,751 |
| Assets per employee ($millions) | 5.3302% | 1,804 |
| Cash dividends to net income (ytd only)* | 73.9438% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 6,129 |
| Loan loss allowance to noncurrent loans | 50.3926% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 1.3403% | 3,619 |
| Noncurrent loans to loans | 1.9603% | 2,885 |
| Net loans and leases to total assets | 67.6958% | 2,336 |
| Net loans and leases to deposits | 76.8748% | 2,840 |
| Net loans and leases to core deposits | 81.6294% | 3,009 |
| Total domestic deposits to total assets | 88.0597% | 2,010 |
| Equity capital to assets | 10.5515% | 3,779 |
| Core capital (leverage) ratio | 10.3971% | 3,039 |
| Tier 1 risk-based capital ratio | 19.5002% | 1,881 |
| Total risk-based capital ratio | 20.7509% | 1,857 |
| Memoranda: | ||
| Average total assets | $217,595,000 | 2,885 |
| Average earning assets | $203,831,750 | 2,831 |
| Average equity | $22,756,500 | 2,903 |
| Average total loans | $146,332,250 | 2,656 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4489% | 6,673 |
| Cost of funding earning assets | 0.3313% | 6,595 |
| Net interest margin | 3.1176% | 5,954 |
| Noninterest income to average assets | 0.9186% | 1,718 |
| Noninterest expense to average assets | 2.5617% | 4,914 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7999% | 3,394 |
| Return on assets (ROA) | 0.7999% | 3,646 |
| Pretax return on assets | 1.2758% | 2,640 |
| Return on Equity (ROE) | 7.6714% | 3,411 |
| Retained earnings to average equity (ytd only) | 1.4919% | 5,455 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7546% | 4,372 |
| Assets per employee ($millions) | 5.2283% | 1,893 |
| Cash dividends to net income (ytd only)* | 80.5524% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 6,157 |
| Loan loss allowance to noncurrent loans | 79.4844% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.8926% | 4,585 |
| Noncurrent loans to loans | 1.2592% | 4,031 |
| Net loans and leases to total assets | 66.6686% | 2,532 |
| Net loans and leases to deposits | 77.2735% | 2,790 |
| Net loans and leases to core deposits | 82.0046% | 2,960 |
| Total domestic deposits to total assets | 86.2762% | 3,210 |
| Equity capital to assets | 10.3967% | 3,816 |
| Core capital (leverage) ratio | 10.5719% | 2,734 |
| Tier 1 risk-based capital ratio | 19.6404% | 1,805 |
| Total risk-based capital ratio | 20.8912% | 1,771 |
| Memoranda: | ||
| Average total assets | $217,280,670 | 2,899 |
| Average earning assets | $203,427,670 | 2,838 |
| Average equity | $22,655,670 | 2,894 |
| Average total loans | $145,304,000 | 2,679 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4718% | 6,727 |
| Cost of funding earning assets | 0.3456% | 6,658 |
| Net interest margin | 3.1262% | 5,966 |
| Noninterest income to average assets | 0.8569% | 1,919 |
| Noninterest expense to average assets | 2.6336% | 4,689 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7162% | 3,801 |
| Return on assets (ROA) | 0.7162% | 4,025 |
| Pretax return on assets | 1.1530% | 3,099 |
| Return on Equity (ROE) | 6.8591% | 3,858 |
| Retained earnings to average equity (ytd only) | 0.6558% | 5,798 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5503% | 3,891 |
| Assets per employee ($millions) | 5.3147% | 1,871 |
| Cash dividends to net income (ytd only)* | 90.4393% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 6,191 |
| Loan loss allowance to noncurrent loans | 79.9568% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 0.8944% | 4,735 |
| Noncurrent loans to loans | 1.2677% | 4,209 |
| Net loans and leases to total assets | 66.3297% | 2,407 |
| Net loans and leases to deposits | 75.3870% | 2,908 |
| Net loans and leases to core deposits | 80.3785% | 3,028 |
| Total domestic deposits to total assets | 87.9855% | 2,330 |
| Equity capital to assets | 10.4096% | 3,609 |
| Core capital (leverage) ratio | 10.7262% | 2,522 |
| Tier 1 risk-based capital ratio | 20.0249% | 1,706 |
| Total risk-based capital ratio | 21.2762% | 1,677 |
| Memoranda: | ||
| Average total assets | $216,126,500 | 2,932 |
| Average earning assets | $202,547,500 | 2,866 |
| Average equity | $22,568,500 | 2,900 |
| Average total loans | $144,017,500 | 2,719 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7525% | 6,787 |
| Cost of funding earning assets | 0.4654% | 6,674 |
| Net interest margin | 3.2871% | 5,850 |
| Noninterest income to average assets | 0.7088% | 2,550 |
| Noninterest expense to average assets | 2.6494% | 4,922 |
| Loan and lease loss provision to assets | 0.0281% | 6,223 |
| Net operating income to assets | 0.7097% | 3,437 |
| Return on assets (ROA) | 0.7097% | 3,620 |
| Pretax return on assets | 1.1264% | 2,737 |
| Return on Equity (ROE) | 6.8406% | 3,471 |
| Retained earnings to average equity (ytd only) | 2.1027% | 4,714 |
| Net charge-offs to loans | 0.0409% | 5,906 |
| Credit loss provision to net charge-offs | 101.6949% | 3,414 |
| Earnings coverage of net charge-offs (x) | 41.7966% | 647 |
| Efficiency ratio | 69.6492% | 4,028 |
| Assets per employee ($millions) | 5.1035% | 2,060 |
| Cash dividends to net income (ytd only)* | 69.2612% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0421% | 6,030 |
| Loan loss allowance to noncurrent loans | 70.5098% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.0250% | 4,565 |
| Noncurrent loans to loans | 1.4780% | 3,936 |
| Net loans and leases to total assets | 65.5660% | 2,861 |
| Net loans and leases to deposits | 75.8176% | 3,204 |
| Net loans and leases to core deposits | 80.8407% | 3,334 |
| Total domestic deposits to total assets | 86.4786% | 3,040 |
| Equity capital to assets | 10.4754% | 3,564 |
| Core capital (leverage) ratio | 10.6970% | 2,526 |
| Tier 1 risk-based capital ratio | 20.5870% | 1,500 |
| Total risk-based capital ratio | 21.8385% | 1,468 |
| Memoranda: | ||
| Average total assets | $213,599,000 | 2,906 |
| Average earning assets | $201,121,800 | 2,840 |
| Average equity | $22,161,800 | 2,874 |
| Average total loans | $144,221,400 | 2,726 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8028% | 6,838 |
| Cost of funding earning assets | 0.4867% | 6,758 |
| Net interest margin | 3.3161% | 5,817 |
| Noninterest income to average assets | 0.6254% | 3,021 |
| Noninterest expense to average assets | 2.7196% | 4,657 |
| Loan and lease loss provision to assets | 0.0375% | 5,969 |
| Net operating income to assets | 0.6216% | 4,003 |
| Return on assets (ROA) | 0.6216% | 4,179 |
| Pretax return on assets | 0.9927% | 3,429 |
| Return on Equity (ROE) | 6.0059% | 4,018 |
| Retained earnings to average equity (ytd only) | 1.7806% | 5,249 |
| Net charge-offs to loans | 0.0553% | 5,418 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 27.4826% | 991 |
| Efficiency ratio | 72.5258% | 3,451 |
| Assets per employee ($millions) | 5.2550% | 1,868 |
| Cash dividends to net income (ytd only)* | 70.3519% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 6,154 |
| Loan loss allowance to noncurrent loans | 84.6594% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.8874% | 4,963 |
| Noncurrent loans to loans | 1.2081% | 4,525 |
| Net loans and leases to total assets | 66.4309% | 2,797 |
| Net loans and leases to deposits | 77.0703% | 3,158 |
| Net loans and leases to core deposits | 82.6183% | 3,240 |
| Total domestic deposits to total assets | 86.1952% | 3,093 |
| Equity capital to assets | 10.3600% | 3,877 |
| Core capital (leverage) ratio | 10.5102% | 2,857 |
| Tier 1 risk-based capital ratio | 20.5220% | 1,556 |
| Total risk-based capital ratio | 21.7821% | 1,526 |
| Memoranda: | ||
| Average total assets | $213,411,500 | 2,917 |
| Average earning assets | $201,076,250 | 2,844 |
| Average equity | $22,088,750 | 2,880 |
| Average total loans | $144,771,750 | 2,735 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8280% | 6,891 |
| Cost of funding earning assets | 0.5027% | 6,837 |
| Net interest margin | 3.3253% | 5,787 |
| Noninterest income to average assets | 0.5697% | 3,337 |
| Noninterest expense to average assets | 2.7312% | 4,701 |
| Loan and lease loss provision to assets | 0.0564% | 5,613 |
| Net operating income to assets | 0.5773% | 4,169 |
| Return on assets (ROA) | 0.5773% | 4,296 |
| Pretax return on assets | 0.9167% | 3,557 |
| Return on Equity (ROE) | 5.5789% | 4,167 |
| Retained earnings to average equity (ytd only) | 2.3988% | 4,762 |
| Net charge-offs to loans | 0.0041% | 5,826 |
| Credit loss provision to net charge-offs | 2,000.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 345.0000% | 96 |
| Efficiency ratio | 73.7310% | 3,409 |
| Assets per employee ($millions) | 5.0689% | 2,029 |
| Cash dividends to net income (ytd only)* | 57.0033% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 6,166 |
| Loan loss allowance to noncurrent loans | 80.6299% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.9418% | 4,983 |
| Noncurrent loans to loans | 1.2958% | 4,488 |
| Net loans and leases to total assets | 68.3331% | 2,552 |
| Net loans and leases to deposits | 79.2125% | 2,937 |
| Net loans and leases to core deposits | 84.8678% | 3,090 |
| Total domestic deposits to total assets | 86.2655% | 3,175 |
| Equity capital to assets | 10.4531% | 3,569 |
| Core capital (leverage) ratio | 10.5571% | 2,653 |
| Tier 1 risk-based capital ratio | 20.4299% | 1,527 |
| Total risk-based capital ratio | 21.7086% | 1,492 |
| Memoranda: | ||
| Average total assets | $212,730,670 | 2,941 |
| Average earning assets | $200,524,330 | 2,867 |
| Average equity | $22,011,330 | 2,878 |
| Average total loans | $144,826,670 | 2,762 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8005% | 6,951 |
| Cost of funding earning assets | 0.5142% | 6,924 |
| Net interest margin | 3.2863% | 5,826 |
| Noninterest income to average assets | 0.5869% | 3,258 |
| Noninterest expense to average assets | 2.7388% | 4,678 |
| Loan and lease loss provision to assets | 0.1129% | 4,606 |
| Net operating income to assets | 0.5286% | 4,363 |
| Return on assets (ROA) | 0.5286% | 4,446 |
| Pretax return on assets | 0.8371% | 3,756 |
| Return on Equity (ROE) | 5.1348% | 4,325 |
| Retained earnings to average equity (ytd only) | 1.9370% | 4,963 |
| Net charge-offs to loans | 0.0056% | 5,049 |
| Credit loss provision to net charge-offs | 3,000.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 252.5000% | 123 |
| Efficiency ratio | 74.2478% | 3,472 |
| Assets per employee ($millions) | 5.2734% | 1,797 |
| Cash dividends to net income (ytd only)* | 62.2776% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 6,172 |
| Loan loss allowance to noncurrent loans | 75.3431% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 0.9435% | 5,000 |
| Noncurrent loans to loans | 1.4148% | 4,347 |
| Net loans and leases to total assets | 65.9809% | 3,014 |
| Net loans and leases to deposits | 75.2548% | 3,543 |
| Net loans and leases to core deposits | 80.2277% | 3,717 |
| Total domestic deposits to total assets | 87.6767% | 2,566 |
| Equity capital to assets | 10.1592% | 3,581 |
| Core capital (leverage) ratio | 10.5530% | 2,556 |
| Tier 1 risk-based capital ratio | 20.9985% | 1,394 |
| Total risk-based capital ratio | 22.2594% | 1,368 |
| Memoranda: | ||
| Average total assets | $212,649,000 | 2,958 |
| Average earning assets | $200,711,500 | 2,878 |
| Average equity | $21,890,000 | 2,882 |
| Average total loans | $143,733,500 | 2,808 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2020% | 6,917 |
| Cost of funding earning assets | 0.6670% | 6,968 |
| Net interest margin | 3.5349% | 5,093 |
| Noninterest income to average assets | 0.7489% | 2,548 |
| Noninterest expense to average assets | 2.7278% | 4,861 |
| Loan and lease loss provision to assets | 0.0694% | 6,450 |
| Net operating income to assets | 0.8033% | 2,786 |
| Return on assets (ROA) | 0.8033% | 2,919 |
| Pretax return on assets | 1.3032% | 1,918 |
| Return on Equity (ROE) | 7.7266% | 2,809 |
| Retained earnings to average equity (ytd only) | 3.5248% | 3,388 |
| Net charge-offs to loans | 0.0934% | 5,909 |
| Credit loss provision to net charge-offs | 100.7042% | 4,515 |
| Earnings coverage of net charge-offs (x) | 19.9155% | 1,037 |
| Efficiency ratio | 66.5246% | 4,863 |
| Assets per employee ($millions) | 4.8626% | 2,332 |
| Cash dividends to net income (ytd only)* | 54.3807% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 6,230 |
| Loan loss allowance to noncurrent loans | 62.5370% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 1.1311% | 4,747 |
| Noncurrent loans to loans | 1.6507% | 4,029 |
| Net loans and leases to total assets | 67.8153% | 3,025 |
| Net loans and leases to deposits | 77.8029% | 3,541 |
| Net loans and leases to core deposits | 83.9024% | 3,609 |
| Total domestic deposits to total assets | 87.1629% | 2,732 |
| Equity capital to assets | 10.4333% | 3,235 |
| Core capital (leverage) ratio | 10.6205% | 2,443 |
| Tier 1 risk-based capital ratio | 20.3393% | 1,427 |
| Total risk-based capital ratio | 21.5914% | 1,406 |
| Memoranda: | ||
| Average total assets | $206,028,600 | 3,032 |
| Average earning assets | $195,337,800 | 2,935 |
| Average equity | $21,419,600 | 2,959 |
| Average total loans | $152,005,000 | 2,739 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2977% | 6,967 |
| Cost of funding earning assets | 0.6964% | 7,070 |
| Net interest margin | 3.6013% | 4,869 |
| Noninterest income to average assets | 0.6606% | 3,069 |
| Noninterest expense to average assets | 2.7580% | 4,651 |
| Loan and lease loss provision to assets | 0.0539% | 6,532 |
| Net operating income to assets | 0.7704% | 3,130 |
| Return on assets (ROA) | 0.7704% | 3,286 |
| Pretax return on assets | 1.2679% | 2,267 |
| Return on Equity (ROE) | 7.4167% | 3,142 |
| Retained earnings to average equity (ytd only) | 3.1956% | 4,186 |
| Net charge-offs to loans | 0.1211% | 5,339 |
| Credit loss provision to net charge-offs | 59.2857% | 5,712 |
| Earnings coverage of net charge-offs (x) | 14.5359% | 1,507 |
| Efficiency ratio | 67.6007% | 4,541 |
| Assets per employee ($millions) | 4.9486% | 2,245 |
| Cash dividends to net income (ytd only)* | 56.9143% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 6,618 |
| Loan loss allowance to noncurrent loans | 65.6351% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.0417% | 5,020 |
| Noncurrent loans to loans | 1.4300% | 4,471 |
| Net loans and leases to total assets | 72.1577% | 2,220 |
| Net loans and leases to deposits | 82.1663% | 3,070 |
| Net loans and leases to core deposits | 88.9083% | 3,250 |
| Total domestic deposits to total assets | 87.8191% | 2,081 |
| Equity capital to assets | 10.4113% | 3,623 |
| Core capital (leverage) ratio | 10.6895% | 2,519 |
| Tier 1 risk-based capital ratio | 19.8226% | 1,586 |
| Total risk-based capital ratio | 21.0738% | 1,552 |
| Memoranda: | ||
| Average total assets | $205,263,250 | 3,073 |
| Average earning assets | $194,890,250 | 2,982 |
| Average equity | $21,320,750 | 3,004 |
| Average total loans | $154,187,750 | 2,745 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3456% | 6,977 |
| Cost of funding earning assets | 0.7246% | 7,134 |
| Net interest margin | 3.6210% | 4,730 |
| Noninterest income to average assets | 0.5822% | 3,465 |
| Noninterest expense to average assets | 2.7524% | 4,693 |
| Loan and lease loss provision to assets | 0.0519% | 6,448 |
| Net operating income to assets | 0.7397% | 3,237 |
| Return on assets (ROA) | 0.7397% | 3,386 |
| Pretax return on assets | 1.2250% | 2,334 |
| Return on Equity (ROE) | 7.1271% | 3,242 |
| Retained earnings to average equity (ytd only) | 2.8848% | 4,304 |
| Net charge-offs to loans | 0.1753% | 4,561 |
| Credit loss provision to net charge-offs | 38.9706% | 5,627 |
| Earnings coverage of net charge-offs (x) | 9.5956% | 2,000 |
| Efficiency ratio | 68.3099% | 4,517 |
| Assets per employee ($millions) | 4.5796% | 2,754 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9062% | 6,738 |
| Loan loss allowance to noncurrent loans | 113.6919% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.6089% | 5,968 |
| Noncurrent loans to loans | 0.7971% | 5,681 |
| Net loans and leases to total assets | 75.7041% | 1,543 |
| Net loans and leases to deposits | 86.9233% | 2,351 |
| Net loans and leases to core deposits | 93.7354% | 2,759 |
| Total domestic deposits to total assets | 87.0930% | 2,485 |
| Equity capital to assets | 10.6366% | 3,237 |
| Core capital (leverage) ratio | 10.5361% | 2,598 |
| Tier 1 risk-based capital ratio | 19.4916% | 1,608 |
| Total risk-based capital ratio | 20.7417% | 1,579 |
| Memoranda: | ||
| Average total assets | $204,403,670 | 3,106 |
| Average earning assets | $194,585,670 | 3,013 |
| Average equity | $21,214,670 | 3,012 |
| Average total loans | $155,118,670 | 2,759 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3479% | 7,070 |
| Cost of funding earning assets | 0.7386% | 7,254 |
| Net interest margin | 3.6093% | 4,687 |
| Noninterest income to average assets | 0.5791% | 3,424 |
| Noninterest expense to average assets | 2.7845% | 4,547 |
| Loan and lease loss provision to assets | 0.0447% | 6,228 |
| Net operating income to assets | 0.7170% | 3,361 |
| Return on assets (ROA) | 0.7170% | 3,471 |
| Pretax return on assets | 1.1872% | 2,405 |
| Return on Equity (ROE) | 6.9934% | 3,345 |
| Retained earnings to average equity (ytd only) | 2.7291% | 4,497 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3275% | 4,438 |
| Assets per employee ($millions) | 5.2639% | 1,898 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 6,604 |
| Loan loss allowance to noncurrent loans | 121.7356% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.6416% | 5,915 |
| Noncurrent loans to loans | 0.7962% | 5,728 |
| Net loans and leases to total assets | 72.8382% | 2,249 |
| Net loans and leases to deposits | 83.4736% | 3,029 |
| Net loans and leases to core deposits | 89.6002% | 3,418 |
| Total domestic deposits to total assets | 87.2590% | 2,495 |
| Equity capital to assets | 10.1013% | 3,745 |
| Core capital (leverage) ratio | 10.6352% | 2,511 |
| Tier 1 risk-based capital ratio | 19.2287% | 1,668 |
| Total risk-based capital ratio | 20.4803% | 1,641 |
| Memoranda: | ||
| Average total assets | $205,854,000 | 3,146 |
| Average earning assets | $196,047,000 | 3,045 |
| Average equity | $21,105,500 | 3,054 |
| Average total loans | $155,707,500 | 2,819 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7169% | 7,114 |
| Cost of funding earning assets | 0.9394% | 7,330 |
| Net interest margin | 3.7775% | 3,810 |
| Noninterest income to average assets | 0.6082% | 3,565 |
| Noninterest expense to average assets | 2.8427% | 4,777 |
| Loan and lease loss provision to assets | 0.0256% | 7,255 |
| Net operating income to assets | 0.7985% | 2,544 |
| Return on assets (ROA) | 0.7985% | 2,630 |
| Pretax return on assets | 1.3200% | 1,639 |
| Return on Equity (ROE) | 7.5205% | 2,575 |
| Retained earnings to average equity (ytd only) | 3.2941% | 2,862 |
| Net charge-offs to loans | 0.0265% | 6,875 |
| Credit loss provision to net charge-offs | 121.9512% | 4,346 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 423 |
| Efficiency ratio | 67.8707% | 5,025 |
| Assets per employee ($millions) | 4.9061% | 2,331 |
| Cash dividends to net income (ytd only)* | 56.1978% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 6,657 |
| Loan loss allowance to noncurrent loans | 120.5546% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.6682% | 5,795 |
| Noncurrent loans to loans | 0.7831% | 5,707 |
| Net loans and leases to total assets | 77.0913% | 1,567 |
| Net loans and leases to deposits | 90.0282% | 2,210 |
| Net loans and leases to core deposits | 107.5024% | 3,155 |
| Total domestic deposits to total assets | 85.6302% | 3,206 |
| Equity capital to assets | 10.4111% | 3,271 |
| Core capital (leverage) ratio | 10.7111% | 2,419 |
| Tier 1 risk-based capital ratio | 18.9114% | 1,669 |
| Total risk-based capital ratio | 20.1626% | 1,638 |
| Memoranda: | ||
| Average total assets | $194,993,400 | 3,237 |
| Average earning assets | $184,803,600 | 3,159 |
| Average equity | $20,703,400 | 3,107 |
| Average total loans | $154,446,000 | 2,853 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7533% | 7,199 |
| Cost of funding earning assets | 0.9754% | 7,438 |
| Net interest margin | 3.7779% | 3,750 |
| Noninterest income to average assets | 0.6299% | 3,494 |
| Noninterest expense to average assets | 2.8568% | 4,632 |
| Loan and lease loss provision to assets | 0.0345% | 7,012 |
| Net operating income to assets | 0.7947% | 2,839 |
| Return on assets (ROA) | 0.7947% | 2,899 |
| Pretax return on assets | 1.3157% | 1,919 |
| Return on Equity (ROE) | 7.4468% | 2,887 |
| Retained earnings to average equity (ytd only) | 3.4101% | 3,391 |
| Net charge-offs to loans | 0.0346% | 6,407 |
| Credit loss provision to net charge-offs | 125.0000% | 4,022 |
| Earnings coverage of net charge-offs (x) | 48.9767% | 653 |
| Efficiency ratio | 67.9063% | 5,000 |
| Assets per employee ($millions) | 4.8708% | 2,302 |
| Cash dividends to net income (ytd only)* | 54.2064% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9387% | 6,601 |
| Loan loss allowance to noncurrent loans | 120.7347% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.6725% | 5,802 |
| Noncurrent loans to loans | 0.7775% | 5,744 |
| Net loans and leases to total assets | 78.1542% | 1,539 |
| Net loans and leases to deposits | 91.2950% | 2,347 |
| Net loans and leases to core deposits | 109.8979% | 3,252 |
| Total domestic deposits to total assets | 85.6062% | 2,913 |
| Equity capital to assets | 10.4374% | 3,580 |
| Core capital (leverage) ratio | 10.7598% | 2,596 |
| Tier 1 risk-based capital ratio | 18.9265% | 1,761 |
| Total risk-based capital ratio | 20.1821% | 1,725 |
| Memoranda: | ||
| Average total assets | $193,454,000 | 3,275 |
| Average earning assets | $183,165,500 | 3,202 |
| Average equity | $20,643,750 | 3,150 |
| Average total loans | $153,920,500 | 2,885 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8161% | 7,198 |
| Cost of funding earning assets | 1.0145% | 7,522 |
| Net interest margin | 3.8015% | 3,544 |
| Noninterest income to average assets | 0.7389% | 2,766 |
| Noninterest expense to average assets | 2.9179% | 4,439 |
| Loan and lease loss provision to assets | 0.0523% | 6,707 |
| Net operating income to assets | 0.8277% | 2,744 |
| Return on assets (ROA) | 0.8277% | 2,841 |
| Pretax return on assets | 1.3597% | 1,832 |
| Return on Equity (ROE) | 7.6979% | 2,890 |
| Retained earnings to average equity (ytd only) | 4.0531% | 3,031 |
| Net charge-offs to loans | 0.0367% | 5,939 |
| Credit loss provision to net charge-offs | 178.5714% | 2,563 |
| Earnings coverage of net charge-offs (x) | 48.2500% | 699 |
| Efficiency ratio | 67.3908% | 5,274 |
| Assets per employee ($millions) | 4.5989% | 2,611 |
| Cash dividends to net income (ytd only)* | 47.3485% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 6,276 |
| Loan loss allowance to noncurrent loans | 123.8372% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.6685% | 5,741 |
| Noncurrent loans to loans | 0.8051% | 5,620 |
| Net loans and leases to total assets | 74.8723% | 2,474 |
| Net loans and leases to deposits | 87.9626% | 3,180 |
| Net loans and leases to core deposits | 103.1166% | 4,167 |
| Total domestic deposits to total assets | 85.1184% | 3,207 |
| Equity capital to assets | 10.4756% | 3,435 |
| Core capital (leverage) ratio | 10.9843% | 2,410 |
| Tier 1 risk-based capital ratio | 19.3316% | 1,712 |
| Total risk-based capital ratio | 20.5835% | 1,669 |
| Memoranda: | ||
| Average total assets | $191,370,670 | 3,327 |
| Average earning assets | $180,770,330 | 3,249 |
| Average equity | $20,577,000 | 3,164 |
| Average total loans | $152,708,670 | 2,933 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0048% | 6,918 |
| Cost of funding earning assets | 1.0715% | 7,558 |
| Net interest margin | 3.9333% | 2,914 |
| Noninterest income to average assets | 0.6334% | 3,323 |
| Noninterest expense to average assets | 2.8611% | 4,296 |
| Loan and lease loss provision to assets | 0.1063% | 5,608 |
| Net operating income to assets | 0.8311% | 2,988 |
| Return on assets (ROA) | 0.8311% | 3,136 |
| Pretax return on assets | 1.3647% | 2,066 |
| Return on Equity (ROE) | 7.6265% | 3,318 |
| Retained earnings to average equity (ytd only) | 5.1883% | 3,020 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0451% | 5,320 |
| Assets per employee ($millions) | 4.6019% | 2,562 |
| Cash dividends to net income (ytd only)* | 31.9693% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 6,222 |
| Loan loss allowance to noncurrent loans | 122.8964% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.6395% | 5,572 |
| Noncurrent loans to loans | 0.8095% | 5,416 |
| Net loans and leases to total assets | 78.2118% | 1,775 |
| Net loans and leases to deposits | 92.1958% | 2,559 |
| Net loans and leases to core deposits | 106.9149% | 3,807 |
| Total domestic deposits to total assets | 84.8323% | 3,283 |
| Equity capital to assets | 10.6370% | 3,340 |
| Core capital (leverage) ratio | 11.3139% | 2,267 |
| Tier 1 risk-based capital ratio | 18.8410% | 1,850 |
| Total risk-based capital ratio | 20.0925% | 1,802 |
| Memoranda: | ||
| Average total assets | $188,179,000 | 3,378 |
| Average earning assets | $176,949,500 | 3,319 |
| Average equity | $20,507,500 | 3,188 |
| Average total loans | $154,286,000 | 2,937 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4980% | 7,309 |
| Cost of funding earning assets | 1.3096% | 7,842 |
| Net interest margin | 4.1884% | 2,358 |
| Noninterest income to average assets | 0.4667% | 4,911 |
| Noninterest expense to average assets | 2.8328% | 4,684 |
| Loan and lease loss provision to assets | 0.0166% | 7,178 |
| Net operating income to assets | 0.9779% | 2,648 |
| Return on assets (ROA) | 0.3056% | 5,341 |
| Pretax return on assets | 0.4926% | 4,995 |
| Return on Equity (ROE) | 2.7528% | 5,322 |
| Retained earnings to average equity (ytd only) | -0.6012% | 5,472 |
| Net charge-offs to loans | 0.0201% | 6,577 |
| Credit loss provision to net charge-offs | 96.7742% | 5,488 |
| Earnings coverage of net charge-offs (x) | 91.1935% | 462 |
| Efficiency ratio | 64.4938% | 5,455 |
| Assets per employee ($millions) | 4.3590% | 2,864 |
| Cash dividends to net income (ytd only)* | 121.8412% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 6,437 |
| Loan loss allowance to noncurrent loans | 110.0375% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.7292% | 5,041 |
| Noncurrent loans to loans | 0.8564% | 4,909 |
| Net loans and leases to total assets | 84.3445% | 834 |
| Net loans and leases to deposits | 101.0126% | 1,704 |
| Net loans and leases to core deposits | 113.1277% | 3,433 |
| Total domestic deposits to total assets | 83.4989% | 3,573 |
| Equity capital to assets | 11.1733% | 2,896 |
| Core capital (leverage) ratio | 11.6697% | 2,142 |
| Tier 1 risk-based capital ratio | 18.5451% | 1,906 |
| Total risk-based capital ratio | 19.7969% | 1,857 |
| Memoranda: | ||
| Average total assets | $181,268,600 | 3,393 |
| Average earning assets | $169,897,200 | 3,335 |
| Average equity | $20,125,200 | 3,212 |
| Average total loans | $154,338,000 | 2,854 |