Home > The Middleburg Bank > Performance and Condition Ratios
The Middleburg Bank, 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 | 3.4834% | 4,738 |
| Cost of funding earning assets | 0.3160% | 3,893 |
| Net interest margin | 3.1674% | 4,443 |
| Noninterest income to average assets | 0.3900% | 3,740 |
| Noninterest expense to average assets | 3.0363% | 2,065 |
| Loan and lease loss provision to assets | 1.8100% | 39 |
| Net operating income to assets | -0.9063% | 5,779 |
| Return on assets (ROA) | -0.8382% | 5,774 |
| Pretax return on assets | -1.4114% | 5,794 |
| Return on Equity (ROE) | -9.0138% | 5,775 |
| Retained earnings to average equity (ytd only) | -17.5103% | 5,698 |
| Net charge-offs to loans | 4.3522% | 24 |
| Credit loss provision to net charge-offs | 61.5426% | 1,896 |
| Earnings coverage of net charge-offs (x) | 0.0993% | 2,848 |
| Efficiency ratio | 91.2224% | 492 |
| Assets per employee ($millions) | 7.5401% | 741 |
| Cash dividends to net income (ytd only)* | -94.2607% | 5,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9387% | 4,610 |
| Loan loss allowance to noncurrent loans | 190.5386% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.6487% | 2,691 |
| Noncurrent loans to loans | 0.4926% | 3,325 |
| Net loans and leases to total assets | 66.6231% | 2,876 |
| Net loans and leases to deposits | 77.9750% | 2,969 |
| Net loans and leases to core deposits | 87.0014% | 2,638 |
| Total domestic deposits to total assets | 85.4416% | 2,904 |
| Equity capital to assets | 9.0658% | 4,743 |
| Core capital (leverage) ratio | 9.1166% | 4,593 |
| Tier 1 risk-based capital ratio | 15.4004% | 2,795 |
| Total risk-based capital ratio | 16.4740% | 2,800 |
| Memoranda: | ||
| Average total assets | $1,255,495,000 | 613 |
| Average earning assets | $1,164,729,000 | 606 |
| Average equity | $116,754,000 | 708 |
| Average total loans | $848,407,500 | 624 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5585% | 4,618 |
| Cost of funding earning assets | 0.3401% | 3,633 |
| Net interest margin | 3.2185% | 4,384 |
| Noninterest income to average assets | 0.4392% | 3,625 |
| Noninterest expense to average assets | 2.4172% | 4,257 |
| Loan and lease loss provision to assets | 0.1417% | 1,762 |
| Net operating income to assets | 0.6591% | 3,958 |
| Return on assets (ROA) | 0.7482% | 3,666 |
| Pretax return on assets | 0.9994% | 3,483 |
| Return on Equity (ROE) | 8.0005% | 2,934 |
| Retained earnings to average equity (ytd only) | 3.1991% | 3,631 |
| Net charge-offs to loans | 0.1783% | 1,540 |
| Credit loss provision to net charge-offs | 123.9465% | 2,157 |
| Earnings coverage of net charge-offs (x) | 8.9391% | 2,813 |
| Efficiency ratio | 70.2778% | 2,855 |
| Assets per employee ($millions) | 7.3656% | 771 |
| Cash dividends to net income (ytd only)* | 60.0143% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3259% | 2,397 |
| Loan loss allowance to noncurrent loans | 160.1460% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.9625% | 1,965 |
| Noncurrent loans to loans | 0.8279% | 2,454 |
| Net loans and leases to total assets | 66.9907% | 2,931 |
| Net loans and leases to deposits | 80.2676% | 2,862 |
| Net loans and leases to core deposits | 90.5738% | 2,446 |
| Total domestic deposits to total assets | 83.4593% | 3,610 |
| Equity capital to assets | 9.5289% | 4,243 |
| Core capital (leverage) ratio | 9.2026% | 4,477 |
| Tier 1 risk-based capital ratio | 15.4111% | 2,786 |
| Total risk-based capital ratio | 16.6640% | 2,721 |
| Memoranda: | ||
| Average total assets | $1,307,253,000 | 564 |
| Average earning assets | $1,218,624,600 | 554 |
| Average equity | $122,255,000 | 654 |
| Average total loans | $838,344,800 | 601 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5466% | 4,691 |
| Cost of funding earning assets | 0.3433% | 3,621 |
| Net interest margin | 3.2032% | 4,482 |
| Noninterest income to average assets | 0.3821% | 4,050 |
| Noninterest expense to average assets | 2.3932% | 4,298 |
| Loan and lease loss provision to assets | 0.0054% | 4,123 |
| Net operating income to assets | 0.7304% | 3,692 |
| Return on assets (ROA) | 0.7692% | 3,661 |
| Pretax return on assets | 1.0247% | 3,533 |
| Return on Equity (ROE) | 8.2625% | 2,872 |
| Retained earnings to average equity (ytd only) | 3.5659% | 3,758 |
| Net charge-offs to loans | -0.0162% | 4,939 |
| Credit loss provision to net charge-offs | -52.4752% | 4,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9834% | 2,743 |
| Assets per employee ($millions) | 7.7730% | 647 |
| Cash dividends to net income (ytd only)* | 56.8421% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 2,563 |
| Loan loss allowance to noncurrent loans | 161.1279% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.7778% | 2,606 |
| Noncurrent loans to loans | 0.8211% | 2,620 |
| Net loans and leases to total assets | 62.8477% | 3,541 |
| Net loans and leases to deposits | 76.3195% | 3,373 |
| Net loans and leases to core deposits | 87.9578% | 2,767 |
| Total domestic deposits to total assets | 82.3482% | 3,824 |
| Equity capital to assets | 9.3583% | 4,807 |
| Core capital (leverage) ratio | 9.1862% | 4,613 |
| Tier 1 risk-based capital ratio | 15.9240% | 2,659 |
| Total risk-based capital ratio | 17.1769% | 2,595 |
| Memoranda: | ||
| Average total assets | $1,317,346,000 | 559 |
| Average earning assets | $1,229,438,500 | 550 |
| Average equity | $122,638,750 | 656 |
| Average total loans | $832,906,750 | 603 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5866% | 4,632 |
| Cost of funding earning assets | 0.3455% | 3,616 |
| Net interest margin | 3.2412% | 4,408 |
| Noninterest income to average assets | 0.3847% | 3,993 |
| Noninterest expense to average assets | 2.3872% | 4,377 |
| Loan and lease loss provision to assets | 0.0533% | 3,083 |
| Net operating income to assets | 0.7282% | 3,665 |
| Return on assets (ROA) | 0.7708% | 3,591 |
| Pretax return on assets | 1.0241% | 3,496 |
| Return on Equity (ROE) | 8.2946% | 2,832 |
| Retained earnings to average equity (ytd only) | 3.7557% | 3,502 |
| Net charge-offs to loans | -0.0316% | 5,149 |
| Credit loss provision to net charge-offs | -267.1756% | 4,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0523% | 2,976 |
| Assets per employee ($millions) | 7.6524% | 651 |
| Cash dividends to net income (ytd only)* | 54.7215% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 2,539 |
| Loan loss allowance to noncurrent loans | 161.1041% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.8183% | 2,545 |
| Noncurrent loans to loans | 0.8370% | 2,654 |
| Net loans and leases to total assets | 64.4458% | 3,299 |
| Net loans and leases to deposits | 79.6357% | 2,978 |
| Net loans and leases to core deposits | 91.9559% | 2,356 |
| Total domestic deposits to total assets | 80.9258% | 4,300 |
| Equity capital to assets | 9.4891% | 4,779 |
| Core capital (leverage) ratio | 9.1002% | 4,718 |
| Tier 1 risk-based capital ratio | 15.5328% | 2,846 |
| Total risk-based capital ratio | 16.7860% | 2,785 |
| Memoranda: | ||
| Average total assets | $1,313,401,670 | 561 |
| Average earning assets | $1,225,048,670 | 553 |
| Average equity | $122,055,670 | 657 |
| Average total loans | $828,356,000 | 596 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5421% | 4,778 |
| Cost of funding earning assets | 0.3428% | 3,683 |
| Net interest margin | 3.1993% | 4,582 |
| Noninterest income to average assets | 0.3642% | 4,116 |
| Noninterest expense to average assets | 2.4429% | 4,246 |
| Loan and lease loss provision to assets | 0.0912% | 2,163 |
| Net operating income to assets | 0.6288% | 4,065 |
| Return on assets (ROA) | 0.6670% | 4,009 |
| Pretax return on assets | 0.8639% | 3,987 |
| Return on Equity (ROE) | 7.2530% | 3,317 |
| Retained earnings to average equity (ytd only) | 3.2199% | 3,891 |
| Net charge-offs to loans | 0.0079% | 2,854 |
| Credit loss provision to net charge-offs | 1,875.0000% | 222 |
| Earnings coverage of net charge-offs (x) | 186.1875% | 327 |
| Efficiency ratio | 72.9551% | 2,650 |
| Assets per employee ($millions) | 7.8509% | 599 |
| Cash dividends to net income (ytd only)* | 55.6062% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 2,545 |
| Loan loss allowance to noncurrent loans | 137.2169% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.8927% | 2,455 |
| Noncurrent loans to loans | 1.0014% | 2,381 |
| Net loans and leases to total assets | 60.5750% | 3,703 |
| Net loans and leases to deposits | 74.8794% | 3,329 |
| Net loans and leases to core deposits | 86.9675% | 2,662 |
| Total domestic deposits to total assets | 80.8968% | 4,524 |
| Equity capital to assets | 9.0926% | 5,088 |
| Core capital (leverage) ratio | 9.1065% | 4,727 |
| Tier 1 risk-based capital ratio | 15.7518% | 2,808 |
| Total risk-based capital ratio | 17.0050% | 2,737 |
| Memoranda: | ||
| Average total assets | $1,315,825,000 | 563 |
| Average earning assets | $1,227,408,000 | 550 |
| Average equity | $120,998,500 | 663 |
| Average total loans | $815,116,000 | 609 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6244% | 4,607 |
| Cost of funding earning assets | 0.3368% | 3,828 |
| Net interest margin | 3.2876% | 4,338 |
| Noninterest income to average assets | 0.4211% | 3,885 |
| Noninterest expense to average assets | 2.4307% | 4,436 |
| Loan and lease loss provision to assets | 0.1832% | 1,228 |
| Net operating income to assets | 0.6467% | 4,052 |
| Return on assets (ROA) | 0.6550% | 4,110 |
| Pretax return on assets | 0.8825% | 3,913 |
| Return on Equity (ROE) | 6.8135% | 3,614 |
| Retained earnings to average equity (ytd only) | 3.1698% | 3,799 |
| Net charge-offs to loans | 0.3912% | 732 |
| Credit loss provision to net charge-offs | 75.6017% | 3,029 |
| Earnings coverage of net charge-offs (x) | 4.3508% | 3,568 |
| Efficiency ratio | 69.7423% | 3,264 |
| Assets per employee ($millions) | 6.9309% | 912 |
| Cash dividends to net income (ytd only)* | 53.4773% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 2,551 |
| Loan loss allowance to noncurrent loans | 121.9071% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.9623% | 2,268 |
| Noncurrent loans to loans | 1.1246% | 2,097 |
| Net loans and leases to total assets | 61.6403% | 3,615 |
| Net loans and leases to deposits | 76.0894% | 3,237 |
| Net loans and leases to core deposits | 86.8300% | 2,712 |
| Total domestic deposits to total assets | 81.0104% | 4,480 |
| Equity capital to assets | 9.3029% | 4,792 |
| Core capital (leverage) ratio | 9.2437% | 4,554 |
| Tier 1 risk-based capital ratio | 15.7208% | 2,820 |
| Total risk-based capital ratio | 16.9736% | 2,756 |
| Memoranda: | ||
| Average total assets | $1,251,314,200 | 565 |
| Average earning assets | $1,166,279,400 | 554 |
| Average equity | $120,291,400 | 635 |
| Average total loans | $775,279,800 | 598 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6557% | 4,557 |
| Cost of funding earning assets | 0.3387% | 3,878 |
| Net interest margin | 3.3170% | 4,273 |
| Noninterest income to average assets | 0.4070% | 4,039 |
| Noninterest expense to average assets | 2.4983% | 4,197 |
| Loan and lease loss provision to assets | -0.0437% | 5,901 |
| Net operating income to assets | 0.7713% | 3,574 |
| Return on assets (ROA) | 0.7823% | 3,600 |
| Pretax return on assets | 1.0598% | 3,380 |
| Return on Equity (ROE) | 8.0696% | 3,043 |
| Retained earnings to average equity (ytd only) | 4.6551% | 3,161 |
| Net charge-offs to loans | -0.0036% | 4,774 |
| Credit loss provision to net charge-offs | 1,938.0952% | 193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3891% | 2,979 |
| Assets per employee ($millions) | 7.5175% | 683 |
| Cash dividends to net income (ytd only)* | 42.3140% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 2,326 |
| Loan loss allowance to noncurrent loans | 125.9529% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 1.0293% | 2,295 |
| Noncurrent loans to loans | 1.1591% | 2,204 |
| Net loans and leases to total assets | 61.2914% | 3,694 |
| Net loans and leases to deposits | 74.2096% | 3,528 |
| Net loans and leases to core deposits | 85.1215% | 2,941 |
| Total domestic deposits to total assets | 82.5923% | 3,955 |
| Equity capital to assets | 9.7034% | 4,515 |
| Core capital (leverage) ratio | 9.4194% | 4,404 |
| Tier 1 risk-based capital ratio | 16.3139% | 2,668 |
| Total risk-based capital ratio | 17.5679% | 2,611 |
| Memoranda: | ||
| Average total assets | $1,241,855,750 | 570 |
| Average earning assets | $1,157,834,500 | 561 |
| Average equity | $120,382,250 | 640 |
| Average total loans | $767,679,500 | 608 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6500% | 4,578 |
| Cost of funding earning assets | 0.3413% | 3,903 |
| Net interest margin | 3.3087% | 4,270 |
| Noninterest income to average assets | 0.4471% | 3,727 |
| Noninterest expense to average assets | 2.4992% | 4,248 |
| Loan and lease loss provision to assets | 0.0040% | 4,008 |
| Net operating income to assets | 0.7636% | 3,573 |
| Return on assets (ROA) | 0.7801% | 3,590 |
| Pretax return on assets | 1.0498% | 3,382 |
| Return on Equity (ROE) | 8.0498% | 3,023 |
| Retained earnings to average equity (ytd only) | 5.0924% | 2,801 |
| Net charge-offs to loans | -0.0217% | 5,202 |
| Credit loss provision to net charge-offs | -30.1205% | 4,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7837% | 3,197 |
| Assets per employee ($millions) | 7.4910% | 674 |
| Cash dividends to net income (ytd only)* | 36.7385% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 2,120 |
| Loan loss allowance to noncurrent loans | 145.3856% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.9372% | 2,662 |
| Noncurrent loans to loans | 1.0582% | 2,526 |
| Net loans and leases to total assets | 61.5846% | 3,613 |
| Net loans and leases to deposits | 75.5045% | 3,315 |
| Net loans and leases to core deposits | 86.1377% | 2,751 |
| Total domestic deposits to total assets | 81.5642% | 4,431 |
| Equity capital to assets | 9.7517% | 4,345 |
| Core capital (leverage) ratio | 9.4472% | 4,343 |
| Tier 1 risk-based capital ratio | 16.3947% | 2,664 |
| Total risk-based capital ratio | 17.6499% | 2,617 |
| Memoranda: | ||
| Average total assets | $1,237,333,000 | 575 |
| Average earning assets | $1,153,210,330 | 558 |
| Average equity | $119,903,330 | 647 |
| Average total loans | $763,283,670 | 611 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7072% | 4,338 |
| Cost of funding earning assets | 0.3462% | 3,904 |
| Net interest margin | 3.3609% | 3,988 |
| Noninterest income to average assets | 0.5225% | 3,139 |
| Noninterest expense to average assets | 2.4866% | 4,308 |
| Loan and lease loss provision to assets | 0.1454% | 1,396 |
| Net operating income to assets | 0.7642% | 3,459 |
| Return on assets (ROA) | 0.7887% | 3,455 |
| Pretax return on assets | 1.0562% | 3,278 |
| Return on Equity (ROE) | 8.1647% | 2,874 |
| Retained earnings to average equity (ytd only) | 5.6226% | 2,705 |
| Net charge-offs to loans | 0.1118% | 1,626 |
| Credit loss provision to net charge-offs | 212.2642% | 1,015 |
| Earnings coverage of net charge-offs (x) | 17.0660% | 1,542 |
| Efficiency ratio | 68.0219% | 3,821 |
| Assets per employee ($millions) | 7.1549% | 805 |
| Cash dividends to net income (ytd only)* | 31.1348% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5781% | 2,129 |
| Loan loss allowance to noncurrent loans | 123.9715% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 1.0405% | 2,539 |
| Noncurrent loans to loans | 1.2730% | 2,249 |
| Net loans and leases to total assets | 59.5502% | 3,720 |
| Net loans and leases to deposits | 73.1802% | 3,405 |
| Net loans and leases to core deposits | 82.3621% | 2,926 |
| Total domestic deposits to total assets | 81.3748% | 4,713 |
| Equity capital to assets | 9.6053% | 4,629 |
| Core capital (leverage) ratio | 9.3859% | 4,453 |
| Tier 1 risk-based capital ratio | 16.6062% | 2,637 |
| Total risk-based capital ratio | 17.8621% | 2,582 |
| Memoranda: | ||
| Average total assets | $1,237,991,000 | 566 |
| Average earning assets | $1,154,089,000 | 559 |
| Average equity | $119,588,500 | 646 |
| Average total loans | $758,380,500 | 611 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8233% | 4,418 |
| Cost of funding earning assets | 0.4383% | 3,300 |
| Net interest margin | 3.3850% | 4,253 |
| Noninterest income to average assets | 0.8577% | 1,648 |
| Noninterest expense to average assets | 3.0015% | 2,838 |
| Loan and lease loss provision to assets | 0.1609% | 1,635 |
| Net operating income to assets | 0.6288% | 4,242 |
| Return on assets (ROA) | 0.6483% | 4,254 |
| Pretax return on assets | 0.8657% | 4,019 |
| Return on Equity (ROE) | 6.8834% | 3,700 |
| Retained earnings to average equity (ytd only) | 4.5383% | 2,942 |
| Net charge-offs to loans | 0.4533% | 928 |
| Credit loss provision to net charge-offs | 57.6640% | 3,332 |
| Earnings coverage of net charge-offs (x) | 3.5952% | 3,847 |
| Efficiency ratio | 74.9482% | 2,671 |
| Assets per employee ($millions) | 6.9132% | 882 |
| Cash dividends to net income (ytd only)* | 34.0679% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5614% | 2,222 |
| Loan loss allowance to noncurrent loans | 118.1672% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 1.1527% | 2,459 |
| Noncurrent loans to loans | 1.3213% | 2,231 |
| Net loans and leases to total assets | 61.0705% | 3,631 |
| Net loans and leases to deposits | 74.9182% | 3,322 |
| Net loans and leases to core deposits | 86.1637% | 2,669 |
| Total domestic deposits to total assets | 81.5164% | 4,593 |
| Equity capital to assets | 9.7164% | 4,446 |
| Core capital (leverage) ratio | 9.4966% | 4,244 |
| Tier 1 risk-based capital ratio | 15.0732% | 3,449 |
| Total risk-based capital ratio | 16.3272% | 3,395 |
| Memoranda: | ||
| Average total assets | $1,218,009,200 | 555 |
| Average earning assets | $1,132,410,200 | 546 |
| Average equity | $114,711,400 | 634 |
| Average total loans | $749,815,000 | 578 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8638% | 4,312 |
| Cost of funding earning assets | 0.4549% | 3,191 |
| Net interest margin | 3.4089% | 4,200 |
| Noninterest income to average assets | 1.0185% | 1,182 |
| Noninterest expense to average assets | 3.1003% | 2,466 |
| Loan and lease loss provision to assets | 0.1652% | 1,504 |
| Net operating income to assets | 0.6615% | 4,150 |
| Return on assets (ROA) | 0.6833% | 4,113 |
| Pretax return on assets | 0.9472% | 3,803 |
| Return on Equity (ROE) | 7.3134% | 3,547 |
| Retained earnings to average equity (ytd only) | 5.3340% | 2,866 |
| Net charge-offs to loans | 0.5899% | 632 |
| Credit loss provision to net charge-offs | 45.5918% | 3,184 |
| Earnings coverage of net charge-offs (x) | 2.9970% | 3,768 |
| Efficiency ratio | 74.0537% | 2,814 |
| Assets per employee ($millions) | 6.9060% | 839 |
| Cash dividends to net income (ytd only)* | 27.0660% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5675% | 2,428 |
| Loan loss allowance to noncurrent loans | 155.1616% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 1.0340% | 2,893 |
| Noncurrent loans to loans | 1.0102% | 3,048 |
| Net loans and leases to total assets | 59.6960% | 3,842 |
| Net loans and leases to deposits | 72.5369% | 3,625 |
| Net loans and leases to core deposits | 83.4827% | 2,944 |
| Total domestic deposits to total assets | 82.2975% | 4,377 |
| Equity capital to assets | 9.7824% | 4,440 |
| Core capital (leverage) ratio | 9.3499% | 4,568 |
| Tier 1 risk-based capital ratio | 15.4121% | 3,365 |
| Total risk-based capital ratio | 16.6615% | 3,300 |
| Memoranda: | ||
| Average total assets | $1,218,330,500 | 552 |
| Average earning assets | $1,132,255,750 | 543 |
| Average equity | $113,833,750 | 635 |
| Average total loans | $748,557,250 | 581 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8784% | 4,227 |
| Cost of funding earning assets | 0.4728% | 3,089 |
| Net interest margin | 3.4056% | 4,149 |
| Noninterest income to average assets | 1.3176% | 690 |
| Noninterest expense to average assets | 3.4294% | 1,619 |
| Loan and lease loss provision to assets | 0.1569% | 1,578 |
| Net operating income to assets | 0.6317% | 4,197 |
| Return on assets (ROA) | 0.6626% | 4,129 |
| Pretax return on assets | 0.9310% | 3,756 |
| Return on Equity (ROE) | 7.2028% | 3,515 |
| Retained earnings to average equity (ytd only) | 5.5864% | 2,590 |
| Net charge-offs to loans | 0.7090% | 540 |
| Credit loss provision to net charge-offs | 35.8610% | 2,976 |
| Earnings coverage of net charge-offs (x) | 2.4019% | 3,557 |
| Efficiency ratio | 76.5465% | 2,534 |
| Assets per employee ($millions) | 7.5559% | 605 |
| Cash dividends to net income (ytd only)* | 22.4414% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5539% | 2,652 |
| Loan loss allowance to noncurrent loans | 106.9219% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.2127% | 2,660 |
| Noncurrent loans to loans | 1.4533% | 2,373 |
| Net loans and leases to total assets | 58.4800% | 3,924 |
| Net loans and leases to deposits | 72.5044% | 3,503 |
| Net loans and leases to core deposits | 83.3598% | 2,806 |
| Total domestic deposits to total assets | 80.6572% | 5,081 |
| Equity capital to assets | 9.2979% | 4,987 |
| Core capital (leverage) ratio | 9.2004% | 4,738 |
| Tier 1 risk-based capital ratio | 15.0521% | 3,608 |
| Total risk-based capital ratio | 16.3025% | 3,553 |
| Memoranda: | ||
| Average total assets | $1,223,895,330 | 551 |
| Average earning assets | $1,136,551,670 | 542 |
| Average equity | $112,595,330 | 637 |
| Average total loans | $755,159,000 | 574 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9497% | 3,896 |
| Cost of funding earning assets | 0.4721% | 3,212 |
| Net interest margin | 3.4776% | 3,790 |
| Noninterest income to average assets | 1.5736% | 488 |
| Noninterest expense to average assets | 3.6349% | 1,242 |
| Loan and lease loss provision to assets | 0.2930% | 667 |
| Net operating income to assets | 0.5875% | 4,248 |
| Return on assets (ROA) | 0.6532% | 4,034 |
| Pretax return on assets | 0.9435% | 3,545 |
| Return on Equity (ROE) | 7.1394% | 3,390 |
| Retained earnings to average equity (ytd only) | 5.5168% | 2,778 |
| Net charge-offs to loans | 0.5136% | 719 |
| Credit loss provision to net charge-offs | 90.7048% | 1,794 |
| Earnings coverage of net charge-offs (x) | 3.6037% | 2,655 |
| Efficiency ratio | 75.7459% | 2,842 |
| Assets per employee ($millions) | 3.4366% | 5,063 |
| Cash dividends to net income (ytd only)* | 22.7273% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7331% | 2,237 |
| Loan loss allowance to noncurrent loans | 86.0190% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.6519% | 2,138 |
| Noncurrent loans to loans | 2.0148% | 1,851 |
| Net loans and leases to total assets | 62.3537% | 3,178 |
| Net loans and leases to deposits | 77.8313% | 2,582 |
| Net loans and leases to core deposits | 89.9416% | 1,908 |
| Total domestic deposits to total assets | 80.1138% | 5,463 |
| Equity capital to assets | 9.3539% | 4,692 |
| Core capital (leverage) ratio | 9.2585% | 4,635 |
| Tier 1 risk-based capital ratio | 14.1075% | 4,256 |
| Total risk-based capital ratio | 15.3599% | 4,206 |
| Memoranda: | ||
| Average total assets | $1,212,483,000 | 559 |
| Average earning assets | $1,124,439,500 | 551 |
| Average equity | $110,933,500 | 645 |
| Average total loans | $762,443,500 | 574 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9094% | 4,426 |
| Cost of funding earning assets | 0.5554% | 3,067 |
| Net interest margin | 3.3541% | 4,467 |
| Noninterest income to average assets | 1.5922% | 566 |
| Noninterest expense to average assets | 4.0086% | 867 |
| Loan and lease loss provision to assets | 0.0090% | 4,941 |
| Net operating income to assets | 0.5282% | 4,603 |
| Return on assets (ROA) | 0.5536% | 4,613 |
| Pretax return on assets | 0.7304% | 4,414 |
| Return on Equity (ROE) | 6.1002% | 4,033 |
| Retained earnings to average equity (ytd only) | 4.3604% | 3,074 |
| Net charge-offs to loans | 0.1430% | 3,372 |
| Credit loss provision to net charge-offs | 9.9091% | 4,584 |
| Earnings coverage of net charge-offs (x) | 7.8027% | 2,781 |
| Efficiency ratio | 85.0293% | 1,514 |
| Assets per employee ($millions) | 3.3668% | 5,166 |
| Cash dividends to net income (ytd only)* | 28.5205% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7488% | 2,239 |
| Loan loss allowance to noncurrent loans | 64.7860% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 1.9625% | 1,834 |
| Noncurrent loans to loans | 2.6994% | 1,354 |
| Net loans and leases to total assets | 61.2313% | 3,493 |
| Net loans and leases to deposits | 75.9876% | 2,967 |
| Net loans and leases to core deposits | 88.7406% | 2,159 |
| Total domestic deposits to total assets | 80.5807% | 5,296 |
| Equity capital to assets | 8.9479% | 5,102 |
| Core capital (leverage) ratio | 9.0931% | 4,866 |
| Tier 1 risk-based capital ratio | 14.1265% | 4,209 |
| Total risk-based capital ratio | 15.3823% | 4,153 |
| Memoranda: | ||
| Average total assets | $1,216,105,400 | 539 |
| Average earning assets | $1,132,029,800 | 527 |
| Average equity | $110,356,800 | 638 |
| Average total loans | $769,366,400 | 547 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9082% | 4,468 |
| Cost of funding earning assets | 0.5724% | 3,068 |
| Net interest margin | 3.3358% | 4,509 |
| Noninterest income to average assets | 1.6482% | 547 |
| Noninterest expense to average assets | 3.9728% | 883 |
| Loan and lease loss provision to assets | -0.0001% | 6,436 |
| Net operating income to assets | 0.5940% | 4,381 |
| Return on assets (ROA) | 0.6016% | 4,465 |
| Pretax return on assets | 0.7993% | 4,294 |
| Return on Equity (ROE) | 6.6058% | 3,871 |
| Retained earnings to average equity (ytd only) | 5.0870% | 3,015 |
| Net charge-offs to loans | 0.1602% | 2,952 |
| Credit loss provision to net charge-offs | -0.1079% | 5,570 |
| Earnings coverage of net charge-offs (x) | 7.6764% | 2,759 |
| Efficiency ratio | 83.5685% | 1,650 |
| Assets per employee ($millions) | 3.3317% | 5,223 |
| Cash dividends to net income (ytd only)* | 22.9927% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7655% | 2,408 |
| Loan loss allowance to noncurrent loans | 63.2360% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 2.1244% | 1,876 |
| Noncurrent loans to loans | 2.7920% | 1,495 |
| Net loans and leases to total assets | 61.5658% | 3,448 |
| Net loans and leases to deposits | 77.4965% | 2,740 |
| Net loans and leases to core deposits | 90.8737% | 1,884 |
| Total domestic deposits to total assets | 79.4433% | 5,641 |
| Equity capital to assets | 9.0476% | 5,128 |
| Core capital (leverage) ratio | 9.0372% | 5,069 |
| Tier 1 risk-based capital ratio | 14.0942% | 4,361 |
| Total risk-based capital ratio | 15.3504% | 4,304 |
| Memoranda: | ||
| Average total assets | $1,214,597,000 | 540 |
| Average earning assets | $1,130,822,500 | 526 |
| Average equity | $110,607,000 | 645 |
| Average total loans | $771,295,000 | 547 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9198% | 4,405 |
| Cost of funding earning assets | 0.5812% | 3,117 |
| Net interest margin | 3.3386% | 4,424 |
| Noninterest income to average assets | 1.6410% | 599 |
| Noninterest expense to average assets | 3.9688% | 899 |
| Loan and lease loss provision to assets | -0.0007% | 6,556 |
| Net operating income to assets | 0.5927% | 4,329 |
| Return on assets (ROA) | 0.6072% | 4,422 |
| Pretax return on assets | 0.8108% | 4,271 |
| Return on Equity (ROE) | 6.6539% | 3,800 |
| Retained earnings to average equity (ytd only) | 5.5729% | 2,692 |
| Net charge-offs to loans | 0.1779% | 2,690 |
| Credit loss provision to net charge-offs | -0.5797% | 5,414 |
| Earnings coverage of net charge-offs (x) | 6.8826% | 2,635 |
| Efficiency ratio | 83.5595% | 1,687 |
| Assets per employee ($millions) | 3.2725% | 5,329 |
| Cash dividends to net income (ytd only)* | 16.2470% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7630% | 2,552 |
| Loan loss allowance to noncurrent loans | 64.2113% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 2.3765% | 1,804 |
| Noncurrent loans to loans | 2.7456% | 1,657 |
| Net loans and leases to total assets | 62.6600% | 3,163 |
| Net loans and leases to deposits | 78.7256% | 2,492 |
| Net loans and leases to core deposits | 93.9989% | 1,520 |
| Total domestic deposits to total assets | 79.5929% | 5,694 |
| Equity capital to assets | 9.0895% | 5,118 |
| Core capital (leverage) ratio | 9.0082% | 4,977 |
| Tier 1 risk-based capital ratio | 13.7076% | 4,639 |
| Total risk-based capital ratio | 14.9632% | 4,598 |
| Memoranda: | ||
| Average total assets | $1,216,328,330 | 540 |
| Average earning assets | $1,132,566,000 | 525 |
| Average equity | $111,002,000 | 643 |
| Average total loans | $775,739,670 | 533 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9533% | 4,286 |
| Cost of funding earning assets | 0.6020% | 3,091 |
| Net interest margin | 3.3513% | 4,312 |
| Noninterest income to average assets | 1.4014% | 781 |
| Noninterest expense to average assets | 4.0211% | 862 |
| Loan and lease loss provision to assets | -0.0617% | 6,799 |
| Net operating income to assets | 0.4339% | 4,984 |
| Return on assets (ROA) | 0.4679% | 4,996 |
| Pretax return on assets | 0.5972% | 4,956 |
| Return on Equity (ROE) | 5.1169% | 4,505 |
| Retained earnings to average equity (ytd only) | 4.0404% | 3,804 |
| Net charge-offs to loans | 0.3159% | 1,702 |
| Credit loss provision to net charge-offs | -30.6189% | 5,013 |
| Earnings coverage of net charge-offs (x) | 2.4723% | 3,023 |
| Efficiency ratio | 88.9784% | 1,232 |
| Assets per employee ($millions) | 3.2902% | 5,453 |
| Cash dividends to net income (ytd only)* | 21.0379% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7697% | 2,738 |
| Loan loss allowance to noncurrent loans | 64.8457% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 2.3798% | 1,952 |
| Noncurrent loans to loans | 2.7290% | 1,866 |
| Net loans and leases to total assets | 62.0941% | 3,041 |
| Net loans and leases to deposits | 77.4643% | 2,423 |
| Net loans and leases to core deposits | 91.4746% | 1,561 |
| Total domestic deposits to total assets | 80.1584% | 5,721 |
| Equity capital to assets | 9.2680% | 5,179 |
| Core capital (leverage) ratio | 8.7923% | 5,199 |
| Tier 1 risk-based capital ratio | 13.8756% | 4,591 |
| Total risk-based capital ratio | 15.1321% | 4,548 |
| Memoranda: | ||
| Average total assets | $1,219,078,000 | 542 |
| Average earning assets | $1,134,134,000 | 530 |
| Average equity | $111,474,000 | 652 |
| Average total loans | $777,449,000 | 535 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1794% | 4,662 |
| Cost of funding earning assets | 0.7596% | 3,018 |
| Net interest margin | 3.4198% | 4,815 |
| Noninterest income to average assets | 2.0917% | 406 |
| Noninterest expense to average assets | 4.1429% | 824 |
| Loan and lease loss provision to assets | 0.2838% | 2,385 |
| Net operating income to assets | 0.6665% | 3,904 |
| Return on assets (ROA) | 0.5713% | 4,632 |
| Pretax return on assets | 0.7528% | 4,469 |
| Return on Equity (ROE) | 6.4616% | 3,930 |
| Retained earnings to average equity (ytd only) | 4.8980% | 2,767 |
| Net charge-offs to loans | 0.4860% | 2,285 |
| Credit loss provision to net charge-offs | 91.6800% | 3,403 |
| Earnings coverage of net charge-offs (x) | 3.6312% | 3,652 |
| Efficiency ratio | 78.6601% | 2,332 |
| Assets per employee ($millions) | 3.1799% | 5,672 |
| Cash dividends to net income (ytd only)* | 24.1982% | 3,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8079% | 2,564 |
| Loan loss allowance to noncurrent loans | 63.0246% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 2.6520% | 1,827 |
| Noncurrent loans to loans | 2.8685% | 1,827 |
| Net loans and leases to total assets | 63.1609% | 3,023 |
| Net loans and leases to deposits | 79.0001% | 2,405 |
| Net loans and leases to core deposits | 93.4615% | 1,512 |
| Total domestic deposits to total assets | 79.9504% | 5,682 |
| Equity capital to assets | 9.0226% | 5,499 |
| Core capital (leverage) ratio | 8.7275% | 5,286 |
| Tier 1 risk-based capital ratio | 13.5320% | 4,731 |
| Total risk-based capital ratio | 14.7891% | 4,673 |
| Memoranda: | ||
| Average total assets | $1,211,550,000 | 543 |
| Average earning assets | $1,124,849,400 | 528 |
| Average equity | $107,124,400 | 662 |
| Average total loans | $771,527,200 | 531 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2320% | 4,702 |
| Cost of funding earning assets | 0.7984% | 2,956 |
| Net interest margin | 3.4335% | 4,908 |
| Noninterest income to average assets | 1.9921% | 425 |
| Noninterest expense to average assets | 4.1162% | 808 |
| Loan and lease loss provision to assets | 0.2382% | 2,668 |
| Net operating income to assets | 0.6436% | 4,179 |
| Return on assets (ROA) | 0.5880% | 4,715 |
| Pretax return on assets | 0.7802% | 4,560 |
| Return on Equity (ROE) | 6.6849% | 3,966 |
| Retained earnings to average equity (ytd only) | 4.9327% | 3,411 |
| Net charge-offs to loans | 0.4937% | 2,133 |
| Credit loss provision to net charge-offs | 75.9690% | 3,740 |
| Earnings coverage of net charge-offs (x) | 3.3904% | 3,664 |
| Efficiency ratio | 79.4744% | 2,176 |
| Assets per employee ($millions) | 3.1863% | 5,662 |
| Cash dividends to net income (ytd only)* | 26.2119% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7762% | 2,873 |
| Loan loss allowance to noncurrent loans | 59.2125% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 2.8846% | 1,816 |
| Noncurrent loans to loans | 2.9998% | 1,865 |
| Net loans and leases to total assets | 62.6809% | 3,266 |
| Net loans and leases to deposits | 78.1435% | 2,643 |
| Net loans and leases to core deposits | 92.7647% | 1,701 |
| Total domestic deposits to total assets | 80.2125% | 5,597 |
| Equity capital to assets | 8.9061% | 5,912 |
| Core capital (leverage) ratio | 8.5400% | 5,701 |
| Tier 1 risk-based capital ratio | 13.3928% | 4,953 |
| Total risk-based capital ratio | 14.6496% | 4,905 |
| Memoranda: | ||
| Average total assets | $1,206,778,750 | 546 |
| Average earning assets | $1,120,176,500 | 535 |
| Average equity | $106,146,750 | 670 |
| Average total loans | $766,511,250 | 528 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3708% | 4,302 |
| Cost of funding earning assets | 0.8247% | 2,992 |
| Net interest margin | 3.5461% | 4,482 |
| Noninterest income to average assets | 1.7927% | 482 |
| Noninterest expense to average assets | 4.0940% | 840 |
| Loan and lease loss provision to assets | 0.2539% | 2,544 |
| Net operating income to assets | 0.5581% | 4,548 |
| Return on assets (ROA) | 0.5826% | 4,706 |
| Pretax return on assets | 0.7723% | 4,570 |
| Return on Equity (ROE) | 6.6523% | 3,965 |
| Retained earnings to average equity (ytd only) | 4.9097% | 3,327 |
| Net charge-offs to loans | 0.3093% | 2,792 |
| Credit loss provision to net charge-offs | 129.4218% | 2,122 |
| Earnings coverage of net charge-offs (x) | 5.0476% | 2,919 |
| Efficiency ratio | 80.5256% | 2,097 |
| Assets per employee ($millions) | 3.2345% | 5,585 |
| Cash dividends to net income (ytd only)* | 26.1952% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9856% | 2,265 |
| Loan loss allowance to noncurrent loans | 74.1995% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 2.7627% | 1,993 |
| Noncurrent loans to loans | 2.6760% | 2,249 |
| Net loans and leases to total assets | 60.9179% | 3,638 |
| Net loans and leases to deposits | 75.6091% | 3,041 |
| Net loans and leases to core deposits | 92.0685% | 1,773 |
| Total domestic deposits to total assets | 80.5695% | 5,596 |
| Equity capital to assets | 8.8212% | 5,891 |
| Core capital (leverage) ratio | 8.6006% | 5,519 |
| Tier 1 risk-based capital ratio | 13.0783% | 5,129 |
| Total risk-based capital ratio | 14.3367% | 5,107 |
| Memoranda: | ||
| Average total assets | $1,199,065,330 | 553 |
| Average earning assets | $1,112,935,330 | 538 |
| Average equity | $105,016,330 | 674 |
| Average total loans | $760,393,330 | 529 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4607% | 4,066 |
| Cost of funding earning assets | 0.8507% | 3,058 |
| Net interest margin | 3.6100% | 4,220 |
| Noninterest income to average assets | 1.5918% | 570 |
| Noninterest expense to average assets | 4.1472% | 786 |
| Loan and lease loss provision to assets | 0.2657% | 2,334 |
| Net operating income to assets | 0.3796% | 5,351 |
| Return on assets (ROA) | 0.5305% | 4,894 |
| Pretax return on assets | 0.6932% | 4,817 |
| Return on Equity (ROE) | 6.0792% | 4,246 |
| Retained earnings to average equity (ytd only) | 4.2912% | 4,015 |
| Net charge-offs to loans | 0.2907% | 2,506 |
| Credit loss provision to net charge-offs | 142.7027% | 1,733 |
| Earnings coverage of net charge-offs (x) | 4.2685% | 2,613 |
| Efficiency ratio | 83.9161% | 1,698 |
| Assets per employee ($millions) | 2.9937% | 6,162 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9467% | 2,535 |
| Loan loss allowance to noncurrent loans | 66.3082% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 2.8818% | 2,017 |
| Noncurrent loans to loans | 2.9358% | 2,198 |
| Net loans and leases to total assets | 62.5100% | 3,155 |
| Net loans and leases to deposits | 78.5007% | 2,421 |
| Net loans and leases to core deposits | 98.1243% | 1,118 |
| Total domestic deposits to total assets | 79.6299% | 5,938 |
| Equity capital to assets | 8.7588% | 5,797 |
| Core capital (leverage) ratio | 8.5114% | 5,574 |
| Tier 1 risk-based capital ratio | 12.9997% | 5,221 |
| Total risk-based capital ratio | 14.2583% | 5,185 |
| Memoranda: | ||
| Average total assets | $1,192,120,000 | 556 |
| Average earning assets | $1,106,381,000 | 546 |
| Average equity | $104,026,000 | 675 |
| Average total loans | $763,652,000 | 526 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6836% | 4,315 |
| Cost of funding earning assets | 1.0028% | 3,358 |
| Net interest margin | 3.6808% | 4,383 |
| Noninterest income to average assets | 1.9553% | 391 |
| Noninterest expense to average assets | 4.4657% | 602 |
| Loan and lease loss provision to assets | 0.2552% | 3,655 |
| Net operating income to assets | 0.4692% | 4,544 |
| Return on assets (ROA) | 0.5265% | 4,521 |
| Pretax return on assets | 0.6831% | 4,396 |
| Return on Equity (ROE) | 6.0339% | 3,856 |
| Retained earnings to average equity (ytd only) | 4.9720% | 2,661 |
| Net charge-offs to loans | 0.4421% | 3,223 |
| Credit loss provision to net charge-offs | 89.3709% | 4,037 |
| Earnings coverage of net charge-offs (x) | 3.0508% | 3,682 |
| Efficiency ratio | 83.6749% | 1,804 |
| Assets per employee ($millions) | 2.9303% | 6,228 |
| Cash dividends to net income (ytd only)* | 17.5996% | 3,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9142% | 2,521 |
| Loan loss allowance to noncurrent loans | 55.0171% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 2.9588% | 2,030 |
| Noncurrent loans to loans | 3.4793% | 1,839 |
| Net loans and leases to total assets | 63.1362% | 3,374 |
| Net loans and leases to deposits | 80.4351% | 2,442 |
| Net loans and leases to core deposits | 101.1386% | 1,082 |
| Total domestic deposits to total assets | 78.4933% | 6,096 |
| Equity capital to assets | 8.6932% | 5,909 |
| Core capital (leverage) ratio | 8.5039% | 5,555 |
| Tier 1 risk-based capital ratio | 13.0288% | 5,047 |
| Total risk-based capital ratio | 14.2872% | 5,016 |
| Memoranda: | ||
| Average total assets | $1,129,975,600 | 579 |
| Average earning assets | $1,038,149,600 | 560 |
| Average equity | $98,592,800 | 698 |
| Average total loans | $729,855,200 | 565 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 4,348 |
| Cost of funding earning assets | 1.0457% | 3,351 |
| Net interest margin | 3.6766% | 4,440 |
| Noninterest income to average assets | 1.8274% | 436 |
| Noninterest expense to average assets | 4.2329% | 772 |
| Loan and lease loss provision to assets | 0.3065% | 3,081 |
| Net operating income to assets | 0.5007% | 4,549 |
| Return on assets (ROA) | 0.5399% | 4,551 |
| Pretax return on assets | 0.7026% | 4,471 |
| Return on Equity (ROE) | 6.1816% | 3,933 |
| Retained earnings to average equity (ytd only) | 5.2279% | 3,042 |
| Net charge-offs to loans | 0.4449% | 2,946 |
| Credit loss provision to net charge-offs | 106.5642% | 3,105 |
| Earnings coverage of net charge-offs (x) | 3.3461% | 3,477 |
| Efficiency ratio | 81.4753% | 2,044 |
| Assets per employee ($millions) | 3.1536% | 5,776 |
| Cash dividends to net income (ytd only)* | 15.4272% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0363% | 2,241 |
| Loan loss allowance to noncurrent loans | 47.1947% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 3.3228% | 1,913 |
| Noncurrent loans to loans | 4.3147% | 1,522 |
| Net loans and leases to total assets | 63.3854% | 3,437 |
| Net loans and leases to deposits | 79.7787% | 2,684 |
| Net loans and leases to core deposits | 98.7810% | 1,362 |
| Total domestic deposits to total assets | 79.4515% | 5,882 |
| Equity capital to assets | 8.9268% | 5,839 |
| Core capital (leverage) ratio | 8.6633% | 5,469 |
| Tier 1 risk-based capital ratio | 12.4480% | 5,540 |
| Total risk-based capital ratio | 13.7063% | 5,522 |
| Memoranda: | ||
| Average total assets | $1,115,775,500 | 595 |
| Average earning assets | $1,022,091,500 | 578 |
| Average equity | $97,448,750 | 707 |
| Average total loans | $721,342,000 | 579 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7464% | 4,320 |
| Cost of funding earning assets | 1.0610% | 3,534 |
| Net interest margin | 3.6854% | 4,336 |
| Noninterest income to average assets | 1.5896% | 515 |
| Noninterest expense to average assets | 4.0798% | 933 |
| Loan and lease loss provision to assets | 0.2789% | 3,148 |
| Net operating income to assets | 0.4419% | 4,762 |
| Return on assets (ROA) | 0.5220% | 4,548 |
| Pretax return on assets | 0.6760% | 4,478 |
| Return on Equity (ROE) | 6.0225% | 3,960 |
| Retained earnings to average equity (ytd only) | 5.2979% | 2,815 |
| Net charge-offs to loans | 0.4018% | 2,948 |
| Credit loss provision to net charge-offs | 107.3868% | 2,868 |
| Earnings coverage of net charge-offs (x) | 3.3470% | 3,203 |
| Efficiency ratio | 82.4355% | 2,039 |
| Assets per employee ($millions) | 3.2632% | 5,497 |
| Cash dividends to net income (ytd only)* | 12.0319% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0732% | 2,175 |
| Loan loss allowance to noncurrent loans | 42.4229% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 3.6688% | 1,782 |
| Noncurrent loans to loans | 4.8869% | 1,348 |
| Net loans and leases to total assets | 62.5127% | 3,788 |
| Net loans and leases to deposits | 78.1114% | 3,102 |
| Net loans and leases to core deposits | 98.5975% | 1,459 |
| Total domestic deposits to total assets | 80.0302% | 5,816 |
| Equity capital to assets | 8.7311% | 5,900 |
| Core capital (leverage) ratio | 8.7939% | 5,058 |
| Tier 1 risk-based capital ratio | 12.4616% | 5,384 |
| Total risk-based capital ratio | 13.7201% | 5,352 |
| Memoranda: | ||
| Average total assets | $1,105,067,670 | 606 |
| Average earning assets | $1,007,338,330 | 597 |
| Average equity | $95,774,670 | 715 |
| Average total loans | $714,214,670 | 591 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7543% | 4,280 |
| Cost of funding earning assets | 1.0730% | 3,701 |
| Net interest margin | 3.6813% | 4,198 |
| Noninterest income to average assets | 1.4285% | 628 |
| Noninterest expense to average assets | 4.0365% | 993 |
| Loan and lease loss provision to assets | 0.1669% | 3,958 |
| Net operating income to assets | 0.4220% | 4,845 |
| Return on assets (ROA) | 0.5161% | 4,509 |
| Pretax return on assets | 0.6683% | 4,426 |
| Return on Equity (ROE) | 5.9780% | 3,916 |
| Retained earnings to average equity (ytd only) | 5.9780% | 2,649 |
| Net charge-offs to loans | 0.4775% | 2,280 |
| Credit loss provision to net charge-offs | 53.7278% | 3,674 |
| Earnings coverage of net charge-offs (x) | 2.3751% | 3,133 |
| Efficiency ratio | 84.5473% | 1,892 |
| Assets per employee ($millions) | 3.1256% | 5,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0913% | 2,207 |
| Loan loss allowance to noncurrent loans | 42.5813% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 3.9001% | 1,713 |
| Noncurrent loans to loans | 4.9114% | 1,380 |
| Net loans and leases to total assets | 63.2814% | 3,590 |
| Net loans and leases to deposits | 78.6212% | 2,956 |
| Net loans and leases to core deposits | 98.7726% | 1,446 |
| Total domestic deposits to total assets | 80.4890% | 5,817 |
| Equity capital to assets | 8.7926% | 5,510 |
| Core capital (leverage) ratio | 9.0323% | 4,566 |
| Tier 1 risk-based capital ratio | 12.7943% | 4,979 |
| Total risk-based capital ratio | 14.0528% | 4,957 |
| Memoranda: | ||
| Average total assets | $1,088,171,500 | 621 |
| Average earning assets | $988,996,000 | 612 |
| Average equity | $93,944,500 | 723 |
| Average total loans | $707,820,000 | 604 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0459% | 4,338 |
| Cost of funding earning assets | 1.4703% | 2,821 |
| Net interest margin | 3.5756% | 4,931 |
| Noninterest income to average assets | 2.1667% | 347 |
| Noninterest expense to average assets | 4.5746% | 604 |
| Loan and lease loss provision to assets | 1.1452% | 1,389 |
| Net operating income to assets | -0.1065% | 6,000 |
| Return on assets (ROA) | -0.1556% | 6,115 |
| Pretax return on assets | -0.3643% | 6,215 |
| Return on Equity (ROE) | -1.7070% | 6,140 |
| Retained earnings to average equity (ytd only) | -3.5197% | 6,155 |
| Net charge-offs to loans | 0.8745% | 2,443 |
| Credit loss provision to net charge-offs | 192.9134% | 1,652 |
| Earnings coverage of net charge-offs (x) | 1.4119% | 4,705 |
| Efficiency ratio | 84.5159% | 1,858 |
| Assets per employee ($millions) | 3.3172% | 5,396 |
| Cash dividends to net income (ytd only)* | -106.1925% | 7,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0826% | 2,111 |
| Loan loss allowance to noncurrent loans | 49.4058% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 3.5234% | 1,962 |
| Noncurrent loans to loans | 4.2153% | 1,719 |
| Net loans and leases to total assets | 64.0899% | 3,856 |
| Net loans and leases to deposits | 78.7776% | 3,372 |
| Net loans and leases to core deposits | 101.9260% | 1,462 |
| Total domestic deposits to total assets | 81.3554% | 5,403 |
| Equity capital to assets | 8.4767% | 5,886 |
| Core capital (leverage) ratio | 8.6173% | 5,166 |
| Tier 1 risk-based capital ratio | 12.2804% | 5,226 |
| Total risk-based capital ratio | 13.5388% | 5,183 |
| Memoranda: | ||
| Average total assets | $1,048,300,600 | 641 |
| Average earning assets | $951,659,400 | 633 |
| Average equity | $95,547,400 | 702 |
| Average total loans | $711,568,000 | 612 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0968% | 4,333 |
| Cost of funding earning assets | 1.5570% | 2,625 |
| Net interest margin | 3.5399% | 5,137 |
| Noninterest income to average assets | 2.0037% | 378 |
| Noninterest expense to average assets | 4.4985% | 596 |
| Loan and lease loss provision to assets | 1.4609% | 920 |
| Net operating income to assets | -0.3900% | 6,511 |
| Return on assets (ROA) | -0.4479% | 6,598 |
| Pretax return on assets | -0.8114% | 6,744 |
| Return on Equity (ROE) | -4.8249% | 6,639 |
| Retained earnings to average equity (ytd only) | -6.7451% | 6,695 |
| Net charge-offs to loans | 0.8763% | 2,254 |
| Credit loss provision to net charge-offs | 243.3012% | 1,384 |
| Earnings coverage of net charge-offs (x) | 1.1949% | 4,871 |
| Efficiency ratio | 86.2452% | 1,605 |
| Assets per employee ($millions) | 3.4217% | 5,152 |
| Cash dividends to net income (ytd only)* | -39.7989% | 7,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1660% | 1,865 |
| Loan loss allowance to noncurrent loans | 52.3555% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 3.4793% | 2,050 |
| Noncurrent loans to loans | 4.1371% | 1,782 |
| Net loans and leases to total assets | 64.8575% | 3,937 |
| Net loans and leases to deposits | 79.6382% | 3,515 |
| Net loans and leases to core deposits | 106.5346% | 1,284 |
| Total domestic deposits to total assets | 81.4401% | 5,223 |
| Equity capital to assets | 8.5364% | 6,237 |
| Core capital (leverage) ratio | 8.6434% | 5,279 |
| Tier 1 risk-based capital ratio | 11.7547% | 5,681 |
| Total risk-based capital ratio | 13.0151% | 5,645 |
| Memoranda: | ||
| Average total assets | $1,035,876,000 | 644 |
| Average earning assets | $940,015,750 | 638 |
| Average equity | $96,165,750 | 698 |
| Average total loans | $709,791,750 | 615 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2799% | 3,561 |
| Cost of funding earning assets | 1.5869% | 2,732 |
| Net interest margin | 3.6929% | 4,398 |
| Noninterest income to average assets | 1.7850% | 420 |
| Noninterest expense to average assets | 4.2640% | 750 |
| Loan and lease loss provision to assets | 0.4386% | 3,120 |
| Net operating income to assets | 0.3605% | 4,930 |
| Return on assets (ROA) | 0.4187% | 4,827 |
| Pretax return on assets | 0.4976% | 4,904 |
| Return on Equity (ROE) | 4.3814% | 4,611 |
| Retained earnings to average equity (ytd only) | 2.9513% | 4,249 |
| Net charge-offs to loans | 0.3791% | 3,466 |
| Credit loss provision to net charge-offs | 166.8670% | 2,351 |
| Earnings coverage of net charge-offs (x) | 3.3125% | 3,372 |
| Efficiency ratio | 83.0430% | 2,038 |
| Assets per employee ($millions) | 3.2471% | 5,560 |
| Cash dividends to net income (ytd only)* | 32.6415% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4058% | 4,392 |
| Loan loss allowance to noncurrent loans | 54.7554% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 2.5261% | 2,858 |
| Noncurrent loans to loans | 2.5673% | 3,079 |
| Net loans and leases to total assets | 66.9598% | 3,630 |
| Net loans and leases to deposits | 81.8758% | 3,292 |
| Net loans and leases to core deposits | 107.7447% | 1,318 |
| Total domestic deposits to total assets | 81.7822% | 5,077 |
| Equity capital to assets | 9.3321% | 4,960 |
| Core capital (leverage) ratio | 9.6185% | 3,657 |
| Tier 1 risk-based capital ratio | 12.7976% | 4,609 |
| Total risk-based capital ratio | 14.0482% | 4,574 |
| Memoranda: | ||
| Average total assets | $1,012,761,670 | 650 |
| Average earning assets | $918,617,670 | 647 |
| Average equity | $96,772,330 | 678 |
| Average total loans | $702,160,000 | 626 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3987% | 3,041 |
| Cost of funding earning assets | 1.6184% | 2,847 |
| Net interest margin | 3.7803% | 3,874 |
| Noninterest income to average assets | 1.5282% | 516 |
| Noninterest expense to average assets | 4.3316% | 699 |
| Loan and lease loss provision to assets | 0.3752% | 3,118 |
| Net operating income to assets | 0.2017% | 5,682 |
| Return on assets (ROA) | 0.4180% | 4,902 |
| Pretax return on assets | 0.4898% | 4,999 |
| Return on Equity (ROE) | 4.3204% | 4,753 |
| Retained earnings to average equity (ytd only) | 4.3204% | 3,560 |
| Net charge-offs to loans | 0.1405% | 4,093 |
| Credit loss provision to net charge-offs | 381.1475% | 1,058 |
| Earnings coverage of net charge-offs (x) | 6.3279% | 2,243 |
| Efficiency ratio | 87.4277% | 1,645 |
| Assets per employee ($millions) | 3.0871% | 6,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 4,382 |
| Loan loss allowance to noncurrent loans | 76.4405% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 1.8549% | 3,700 |
| Noncurrent loans to loans | 1.8427% | 4,005 |
| Net loans and leases to total assets | 68.2274% | 3,334 |
| Net loans and leases to deposits | 83.0625% | 3,094 |
| Net loans and leases to core deposits | 104.5314% | 1,696 |
| Total domestic deposits to total assets | 82.1398% | 5,015 |
| Equity capital to assets | 9.5619% | 4,438 |
| Core capital (leverage) ratio | 10.0791% | 3,064 |
| Tier 1 risk-based capital ratio | 13.0103% | 4,325 |
| Total risk-based capital ratio | 14.2621% | 4,300 |
| Memoranda: | ||
| Average total assets | $991,495,500 | 683 |
| Average earning assets | $898,664,000 | 681 |
| Average equity | $95,918,000 | 688 |
| Average total loans | $694,891,000 | 651 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2464% | 1,128 |
| Cost of funding earning assets | 2.0800% | 2,567 |
| Net interest margin | 4.1664% | 2,199 |
| Noninterest income to average assets | 1.6080% | 559 |
| Noninterest expense to average assets | 4.3926% | 882 |
| Loan and lease loss provision to assets | 0.4579% | 4,080 |
| Net operating income to assets | 0.5118% | 3,682 |
| Return on assets (ROA) | 0.4445% | 4,070 |
| Pretax return on assets | 0.5069% | 4,162 |
| Return on Equity (ROE) | 5.3068% | 3,527 |
| Retained earnings to average equity (ytd only) | 1.4967% | 4,022 |
| Net charge-offs to loans | 0.7912% | 2,845 |
| Credit loss provision to net charge-offs | 81.1375% | 6,262 |
| Earnings coverage of net charge-offs (x) | 1.8128% | 4,366 |
| Efficiency ratio | 81.1088% | 2,731 |
| Assets per employee ($millions) | 3.2348% | 5,640 |
| Cash dividends to net income (ytd only)* | 71.7972% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 4,763 |
| Loan loss allowance to noncurrent loans | 94.1980% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 1.6610% | 3,880 |
| Noncurrent loans to loans | 1.3807% | 4,613 |
| Net loans and leases to total assets | 70.0830% | 3,241 |
| Net loans and leases to deposits | 83.8808% | 3,299 |
| Net loans and leases to core deposits | 106.0049% | 3,331 |
| Total domestic deposits to total assets | 83.5507% | 4,257 |
| Equity capital to assets | 9.7911% | 4,017 |
| Core capital (leverage) ratio | 9.7700% | 3,369 |
| Tier 1 risk-based capital ratio | 13.1203% | 4,067 |
| Total risk-based capital ratio | 14.3150% | 4,046 |
| Memoranda: | ||
| Average total assets | $993,844,200 | 673 |
| Average earning assets | $908,296,800 | 665 |
| Average equity | $83,252,200 | 776 |
| Average total loans | $708,903,000 | 655 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3783% | 966 |
| Cost of funding earning assets | 2.1431% | 2,695 |
| Net interest margin | 4.2351% | 1,927 |
| Noninterest income to average assets | 1.6030% | 576 |
| Noninterest expense to average assets | 4.4007% | 823 |
| Loan and lease loss provision to assets | 0.4779% | 3,520 |
| Net operating income to assets | 0.5449% | 3,811 |
| Return on assets (ROA) | 0.4465% | 4,309 |
| Pretax return on assets | 0.5147% | 4,472 |
| Return on Equity (ROE) | 5.5582% | 3,712 |
| Retained earnings to average equity (ytd only) | 0.7902% | 4,848 |
| Net charge-offs to loans | 0.8173% | 2,330 |
| Credit loss provision to net charge-offs | 81.8784% | 5,711 |
| Earnings coverage of net charge-offs (x) | 1.8547% | 4,415 |
| Efficiency ratio | 80.2588% | 2,803 |
| Assets per employee ($millions) | 3.3036% | 5,393 |
| Cash dividends to net income (ytd only)* | 85.7826% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 4,269 |
| Loan loss allowance to noncurrent loans | 90.3456% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 1.9025% | 3,501 |
| Noncurrent loans to loans | 1.4815% | 4,448 |
| Net loans and leases to total assets | 68.6241% | 3,818 |
| Net loans and leases to deposits | 83.3638% | 3,762 |
| Net loans and leases to core deposits | 100.1279% | 4,358 |
| Total domestic deposits to total assets | 82.3189% | 4,534 |
| Equity capital to assets | 9.7262% | 4,459 |
| Core capital (leverage) ratio | 9.7180% | 3,620 |
| Tier 1 risk-based capital ratio | 13.2041% | 4,051 |
| Total risk-based capital ratio | 14.4518% | 3,995 |
| Memoranda: | ||
| Average total assets | $999,698,250 | 681 |
| Average earning assets | $915,900,750 | 676 |
| Average equity | $80,311,250 | 815 |
| Average total loans | $713,862,000 | 665 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4925% | 838 |
| Cost of funding earning assets | 2.2082% | 2,757 |
| Net interest margin | 4.2843% | 1,690 |
| Noninterest income to average assets | 1.7144% | 499 |
| Noninterest expense to average assets | 4.4516% | 809 |
| Loan and lease loss provision to assets | 0.5227% | 2,933 |
| Net operating income to assets | 0.5929% | 3,706 |
| Return on assets (ROA) | 0.4955% | 4,230 |
| Pretax return on assets | 0.5913% | 4,345 |
| Return on Equity (ROE) | 6.6284% | 3,373 |
| Retained earnings to average equity (ytd only) | 1.0514% | 4,740 |
| Net charge-offs to loans | 0.8889% | 1,920 |
| Credit loss provision to net charge-offs | 81.6454% | 5,148 |
| Earnings coverage of net charge-offs (x) | 1.8616% | 4,175 |
| Efficiency ratio | 78.8823% | 3,213 |
| Assets per employee ($millions) | 3.4710% | 4,891 |
| Cash dividends to net income (ytd only)* | 84.1385% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 4,289 |
| Loan loss allowance to noncurrent loans | 72.6300% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 1.9796% | 3,224 |
| Noncurrent loans to loans | 1.7869% | 3,821 |
| Net loans and leases to total assets | 69.1081% | 3,919 |
| Net loans and leases to deposits | 85.5508% | 3,633 |
| Net loans and leases to core deposits | 103.8412% | 4,082 |
| Total domestic deposits to total assets | 80.7801% | 5,157 |
| Equity capital to assets | 7.1644% | 7,508 |
| Core capital (leverage) ratio | 7.7971% | 6,618 |
| Tier 1 risk-based capital ratio | 9.9470% | 6,990 |
| Total risk-based capital ratio | 11.1374% | 6,979 |
| Memoranda: | ||
| Average total assets | $1,002,571,330 | 692 |
| Average earning assets | $919,393,330 | 684 |
| Average equity | $74,950,330 | 883 |
| Average total loans | $722,034,000 | 684 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6497% | 636 |
| Cost of funding earning assets | 2.3300% | 2,576 |
| Net interest margin | 4.3197% | 1,548 |
| Noninterest income to average assets | 1.5270% | 598 |
| Noninterest expense to average assets | 4.2228% | 920 |
| Loan and lease loss provision to assets | 0.4211% | 2,817 |
| Net operating income to assets | 0.7326% | 3,418 |
| Return on assets (ROA) | 0.5385% | 4,453 |
| Pretax return on assets | 0.6555% | 4,572 |
| Return on Equity (ROE) | 7.0487% | 3,573 |
| Retained earnings to average equity (ytd only) | 2.4240% | 4,524 |
| Net charge-offs to loans | 0.7503% | 1,693 |
| Credit loss provision to net charge-offs | 76.8148% | 4,246 |
| Earnings coverage of net charge-offs (x) | 2.2956% | 3,586 |
| Efficiency ratio | 77.0393% | 3,325 |
| Assets per employee ($millions) | 3.3161% | 5,286 |
| Cash dividends to net income (ytd only)* | 65.6109% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 3,879 |
| Loan loss allowance to noncurrent loans | 108.8229% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 1.7541% | 3,293 |
| Noncurrent loans to loans | 1.2274% | 4,518 |
| Net loans and leases to total assets | 72.3174% | 3,170 |
| Net loans and leases to deposits | 89.7298% | 2,969 |
| Net loans and leases to core deposits | 107.5592% | 3,736 |
| Total domestic deposits to total assets | 80.5946% | 5,134 |
| Equity capital to assets | 7.5188% | 7,338 |
| Core capital (leverage) ratio | 7.8758% | 6,657 |
| Tier 1 risk-based capital ratio | 9.9405% | 6,993 |
| Total risk-based capital ratio | 11.1775% | 6,901 |
| Memoranda: | ||
| Average total assets | $984,938,500 | 704 |
| Average earning assets | $901,638,000 | 700 |
| Average equity | $75,248,000 | 885 |
| Average total loans | $719,721,000 | 691 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6686% | 2,164 |
| Cost of funding earning assets | 2.6755% | 3,290 |
| Net interest margin | 3.9931% | 3,149 |
| Noninterest income to average assets | 1.5164% | 610 |
| Noninterest expense to average assets | 3.9964% | 1,425 |
| Loan and lease loss provision to assets | 0.6165% | 2,359 |
| Net operating income to assets | 0.4450% | 4,972 |
| Return on assets (ROA) | 0.3637% | 5,096 |
| Pretax return on assets | 0.4415% | 5,152 |
| Return on Equity (ROE) | 4.4959% | 4,602 |
| Retained earnings to average equity (ytd only) | 1.3258% | 4,420 |
| Net charge-offs to loans | 0.5831% | 2,076 |
| Credit loss provision to net charge-offs | 141.1092% | 3,758 |
| Earnings coverage of net charge-offs (x) | 2.6486% | 4,760 |
| Efficiency ratio | 77.5463% | 2,986 |
| Assets per employee ($millions) | 6.0768% | 1,102 |
| Cash dividends to net income (ytd only)* | 70.5109% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 3,143 |
| Loan loss allowance to noncurrent loans | 125.4684% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 1.7478% | 2,798 |
| Noncurrent loans to loans | 1.1233% | 4,301 |
| Net loans and leases to total assets | 71.8193% | 3,627 |
| Net loans and leases to deposits | 94.1630% | 2,733 |
| Net loans and leases to core deposits | 114.7427% | 3,262 |
| Total domestic deposits to total assets | 76.2712% | 6,177 |
| Equity capital to assets | 7.7626% | 7,142 |
| Core capital (leverage) ratio | 8.2184% | 6,132 |
| Tier 1 risk-based capital ratio | 10.0456% | 6,692 |
| Total risk-based capital ratio | 11.2964% | 6,565 |
| Memoranda: | ||
| Average total assets | $920,357,600 | 723 |
| Average earning assets | $838,311,000 | 721 |
| Average equity | $74,445,200 | 892 |
| Average total loans | $689,575,200 | 691 |