Home > The Milford National Bank and Trust Company > Performance and Condition Ratios
The Milford National Bank and Trust Company, 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 | 4.2010% | 3,324 |
| Cost of funding earning assets | 0.5806% | 2,630 |
| Net interest margin | 3.6204% | 3,299 |
| Noninterest income to average assets | 0.5284% | 2,688 |
| Noninterest expense to average assets | 3.1509% | 1,640 |
| Loan and lease loss provision to assets | 0.0935% | 2,107 |
| Net operating income to assets | 0.5785% | 4,557 |
| Return on assets (ROA) | 0.5785% | 4,565 |
| Pretax return on assets | 0.7740% | 4,362 |
| Return on Equity (ROE) | 7.0028% | 3,935 |
| Retained earnings to average equity (ytd only) | 7.0028% | 2,126 |
| Net charge-offs to loans | 0.0345% | 2,396 |
| Credit loss provision to net charge-offs | 321.5190% | 973 |
| Earnings coverage of net charge-offs (x) | 29.8229% | 1,616 |
| Efficiency ratio | 78.4111% | 1,078 |
| Assets per employee ($millions) | 5.3667% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 1,778 |
| Loan loss allowance to noncurrent loans | 288.8504% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4016% | 3,079 |
| Noncurrent loans to loans | 0.4783% | 2,952 |
| Net loans and leases to total assets | 82.7954% | 590 |
| Net loans and leases to deposits | 99.4614% | 831 |
| Net loans and leases to core deposits | 111.8011% | 920 |
| Total domestic deposits to total assets | 83.2437% | 3,219 |
| Equity capital to assets | 8.4877% | 4,928 |
| Core capital (leverage) ratio | 8.5786% | 5,050 |
| Tier 1 risk-based capital ratio | 11.7209% | 4,656 |
| Total risk-based capital ratio | 12.9761% | 4,540 |
| Memoranda: | ||
| Average total assets | $362,086,500 | 1,877 |
| Average earning assets | $349,051,750 | 1,817 |
| Average equity | $29,911,000 | 2,343 |
| Average total loans | $305,634,000 | 1,581 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0847% | 3,511 |
| Cost of funding earning assets | 0.5185% | 2,859 |
| Net interest margin | 3.5663% | 3,422 |
| Noninterest income to average assets | 0.5390% | 2,642 |
| Noninterest expense to average assets | 3.2965% | 1,329 |
| Loan and lease loss provision to assets | 0.0942% | 2,037 |
| Net operating income to assets | 0.4431% | 4,869 |
| Return on assets (ROA) | 0.4431% | 4,873 |
| Pretax return on assets | 0.5863% | 4,756 |
| Return on Equity (ROE) | 5.4126% | 4,432 |
| Retained earnings to average equity (ytd only) | 5.4126% | 2,866 |
| Net charge-offs to loans | -0.0450% | 4,883 |
| Credit loss provision to net charge-offs | -247.8261% | 4,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8876% | 768 |
| Assets per employee ($millions) | 5.4588% | 1,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 1,932 |
| Loan loss allowance to noncurrent loans | 284.6774% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.4068% | 3,104 |
| Noncurrent loans to loans | 0.4750% | 3,010 |
| Net loans and leases to total assets | 84.4934% | 409 |
| Net loans and leases to deposits | 104.7979% | 492 |
| Net loans and leases to core deposits | 114.4100% | 777 |
| Total domestic deposits to total assets | 80.6251% | 4,092 |
| Equity capital to assets | 8.1637% | 5,159 |
| Core capital (leverage) ratio | 8.4233% | 5,159 |
| Tier 1 risk-based capital ratio | 11.0394% | 5,033 |
| Total risk-based capital ratio | 12.2940% | 4,928 |
| Memoranda: | ||
| Average total assets | $362,926,330 | 1,875 |
| Average earning assets | $349,887,330 | 1,820 |
| Average equity | $29,708,330 | 2,371 |
| Average total loans | $306,886,670 | 1,568 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2586% | 2,673 |
| Cost of funding earning assets | 0.4646% | 3,090 |
| Net interest margin | 3.7940% | 2,453 |
| Noninterest income to average assets | 0.5377% | 2,591 |
| Noninterest expense to average assets | 2.9365% | 2,236 |
| Loan and lease loss provision to assets | 0.0819% | 2,156 |
| Net operating income to assets | 0.8686% | 3,422 |
| Return on assets (ROA) | 0.8686% | 3,436 |
| Pretax return on assets | 1.1784% | 2,849 |
| Return on Equity (ROE) | 10.5961% | 2,132 |
| Retained earnings to average equity (ytd only) | 10.5961% | 994 |
| Net charge-offs to loans | -0.1001% | 5,206 |
| Credit loss provision to net charge-offs | -97.3684% | 3,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9710% | 2,486 |
| Assets per employee ($millions) | 5.2950% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 2,039 |
| Loan loss allowance to noncurrent loans | 277.5100% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.4089% | 3,194 |
| Noncurrent loans to loans | 0.4846% | 3,066 |
| Net loans and leases to total assets | 83.2405% | 517 |
| Net loans and leases to deposits | 100.9912% | 639 |
| Net loans and leases to core deposits | 114.7963% | 765 |
| Total domestic deposits to total assets | 82.4234% | 3,834 |
| Equity capital to assets | 8.1887% | 5,183 |
| Core capital (leverage) ratio | 8.5921% | 5,072 |
| Tier 1 risk-based capital ratio | 11.1451% | 5,059 |
| Total risk-based capital ratio | 12.3997% | 4,952 |
| Memoranda: | ||
| Average total assets | $361,519,000 | 1,888 |
| Average earning assets | $348,659,000 | 1,836 |
| Average equity | $29,633,500 | 2,398 |
| Average total loans | $303,698,500 | 1,585 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9563% | 3,547 |
| Cost of funding earning assets | 0.2951% | 4,190 |
| Net interest margin | 3.6613% | 2,945 |
| Noninterest income to average assets | 0.5806% | 2,546 |
| Noninterest expense to average assets | 3.0917% | 1,885 |
| Loan and lease loss provision to assets | 0.1413% | 1,608 |
| Net operating income to assets | 0.4274% | 4,598 |
| Return on assets (ROA) | 0.4274% | 4,622 |
| Pretax return on assets | 0.8721% | 4,007 |
| Return on Equity (ROE) | 4.9797% | 4,165 |
| Retained earnings to average equity (ytd only) | 4.9797% | 2,138 |
| Net charge-offs to loans | 0.0110% | 3,701 |
| Credit loss provision to net charge-offs | 1,535.4839% | 254 |
| Earnings coverage of net charge-offs (x) | 110.1290% | 605 |
| Efficiency ratio | 75.3145% | 1,711 |
| Assets per employee ($millions) | 5.1838% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 2,045 |
| Loan loss allowance to noncurrent loans | 188.1356% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.5938% | 2,575 |
| Noncurrent loans to loans | 0.7101% | 2,431 |
| Net loans and leases to total assets | 82.5121% | 611 |
| Net loans and leases to deposits | 99.6438% | 756 |
| Net loans and leases to core deposits | 113.1828% | 832 |
| Total domestic deposits to total assets | 82.8071% | 3,624 |
| Equity capital to assets | 8.2053% | 5,297 |
| Core capital (leverage) ratio | 8.9399% | 4,716 |
| Tier 1 risk-based capital ratio | 11.2957% | 4,984 |
| Total risk-based capital ratio | 12.5502% | 4,857 |
| Memoranda: | ||
| Average total assets | $336,899,400 | 1,972 |
| Average earning assets | $324,314,800 | 1,920 |
| Average equity | $28,917,200 | 2,436 |
| Average total loans | $280,765,400 | 1,656 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9778% | 3,431 |
| Cost of funding earning assets | 0.2845% | 4,270 |
| Net interest margin | 3.6933% | 2,782 |
| Noninterest income to average assets | 0.5913% | 2,528 |
| Noninterest expense to average assets | 3.1007% | 1,800 |
| Loan and lease loss provision to assets | 0.1339% | 1,621 |
| Net operating income to assets | 0.5788% | 4,461 |
| Return on assets (ROA) | 0.5788% | 4,501 |
| Pretax return on assets | 0.9104% | 4,004 |
| Return on Equity (ROE) | 6.6644% | 3,834 |
| Retained earnings to average equity (ytd only) | 6.6644% | 1,865 |
| Net charge-offs to loans | 0.0198% | 3,096 |
| Credit loss provision to net charge-offs | 812.1951% | 427 |
| Earnings coverage of net charge-offs (x) | 63.3603% | 957 |
| Efficiency ratio | 74.8061% | 1,774 |
| Assets per employee ($millions) | 5.0791% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 1,861 |
| Loan loss allowance to noncurrent loans | 149.3587% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.7833% | 2,179 |
| Noncurrent loans to loans | 0.9414% | 2,040 |
| Net loans and leases to total assets | 81.6253% | 749 |
| Net loans and leases to deposits | 96.1196% | 1,106 |
| Net loans and leases to core deposits | 106.9539% | 1,204 |
| Total domestic deposits to total assets | 84.9205% | 2,744 |
| Equity capital to assets | 8.9328% | 4,973 |
| Core capital (leverage) ratio | 9.2667% | 4,446 |
| Tier 1 risk-based capital ratio | 12.0879% | 4,550 |
| Total risk-based capital ratio | 13.3432% | 4,440 |
| Memoranda: | ||
| Average total assets | $331,703,750 | 2,009 |
| Average earning assets | $319,166,000 | 1,954 |
| Average equity | $28,809,250 | 2,456 |
| Average total loans | $276,175,000 | 1,683 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0036% | 3,193 |
| Cost of funding earning assets | 0.2771% | 4,316 |
| Net interest margin | 3.7264% | 2,562 |
| Noninterest income to average assets | 0.5948% | 2,489 |
| Noninterest expense to average assets | 3.1136% | 1,805 |
| Loan and lease loss provision to assets | 0.1252% | 1,656 |
| Net operating income to assets | 0.5978% | 4,317 |
| Return on assets (ROA) | 0.5978% | 4,360 |
| Pretax return on assets | 0.9421% | 3,789 |
| Return on Equity (ROE) | 6.9484% | 3,578 |
| Retained earnings to average equity (ytd only) | 6.9484% | 1,616 |
| Net charge-offs to loans | 0.0123% | 3,026 |
| Credit loss provision to net charge-offs | 1,223.5294% | 330 |
| Earnings coverage of net charge-offs (x) | 104.2941% | 635 |
| Efficiency ratio | 74.4708% | 1,929 |
| Assets per employee ($millions) | 5.1143% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3559% | 2,144 |
| Loan loss allowance to noncurrent loans | 191.0158% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.5842% | 2,820 |
| Noncurrent loans to loans | 0.7098% | 2,627 |
| Net loans and leases to total assets | 80.6546% | 860 |
| Net loans and leases to deposits | 95.9592% | 1,086 |
| Net loans and leases to core deposits | 106.4784% | 1,191 |
| Total domestic deposits to total assets | 84.0509% | 3,179 |
| Equity capital to assets | 8.6164% | 5,213 |
| Core capital (leverage) ratio | 8.9275% | 4,807 |
| Tier 1 risk-based capital ratio | 11.8108% | 4,751 |
| Total risk-based capital ratio | 13.0655% | 4,637 |
| Memoranda: | ||
| Average total assets | $332,223,670 | 2,013 |
| Average earning assets | $319,715,000 | 1,953 |
| Average equity | $28,582,000 | 2,460 |
| Average total loans | $277,125,330 | 1,680 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9157% | 3,344 |
| Cost of funding earning assets | 0.2675% | 4,380 |
| Net interest margin | 3.6482% | 2,704 |
| Noninterest income to average assets | 0.6214% | 2,312 |
| Noninterest expense to average assets | 3.2006% | 1,608 |
| Loan and lease loss provision to assets | 0.1517% | 1,218 |
| Net operating income to assets | 0.5001% | 4,595 |
| Return on assets (ROA) | 0.5001% | 4,622 |
| Pretax return on assets | 0.7780% | 4,193 |
| Return on Equity (ROE) | 5.8169% | 3,998 |
| Retained earnings to average equity (ytd only) | 5.8169% | 2,433 |
| Net charge-offs to loans | -0.0014% | 3,982 |
| Credit loss provision to net charge-offs | -12,500.0000% | 4,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4904% | 1,700 |
| Assets per employee ($millions) | 5.2045% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 2,501 |
| Loan loss allowance to noncurrent loans | 176.0536% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.6308% | 2,742 |
| Noncurrent loans to loans | 0.7431% | 2,633 |
| Net loans and leases to total assets | 83.2543% | 440 |
| Net loans and leases to deposits | 98.1590% | 762 |
| Net loans and leases to core deposits | 109.7071% | 888 |
| Total domestic deposits to total assets | 84.8158% | 3,162 |
| Equity capital to assets | 8.5635% | 5,192 |
| Core capital (leverage) ratio | 8.8241% | 4,934 |
| Tier 1 risk-based capital ratio | 11.3806% | 5,100 |
| Total risk-based capital ratio | 12.6347% | 5,001 |
| Memoranda: | ||
| Average total assets | $329,564,000 | 2,042 |
| Average earning assets | $316,981,000 | 1,984 |
| Average equity | $28,331,000 | 2,489 |
| Average total loans | $277,695,000 | 1,690 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8525% | 3,731 |
| Cost of funding earning assets | 0.2223% | 4,812 |
| Net interest margin | 3.6303% | 2,959 |
| Noninterest income to average assets | 0.6662% | 2,337 |
| Noninterest expense to average assets | 3.1052% | 2,017 |
| Loan and lease loss provision to assets | 0.1369% | 1,824 |
| Net operating income to assets | 0.5845% | 4,270 |
| Return on assets (ROA) | 0.5845% | 4,384 |
| Pretax return on assets | 0.9161% | 3,787 |
| Return on Equity (ROE) | 6.6291% | 3,677 |
| Retained earnings to average equity (ytd only) | 6.6291% | 1,392 |
| Net charge-offs to loans | 0.0644% | 2,774 |
| Credit loss provision to net charge-offs | 254.4910% | 1,136 |
| Earnings coverage of net charge-offs (x) | 19.5808% | 1,905 |
| Efficiency ratio | 74.6767% | 2,184 |
| Assets per employee ($millions) | 5.0944% | 2,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 2,579 |
| Loan loss allowance to noncurrent loans | 182.0513% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.6021% | 2,920 |
| Noncurrent loans to loans | 0.7106% | 2,761 |
| Net loans and leases to total assets | 83.0738% | 474 |
| Net loans and leases to deposits | 102.0462% | 530 |
| Net loans and leases to core deposits | 107.7769% | 1,034 |
| Total domestic deposits to total assets | 81.4081% | 4,230 |
| Equity capital to assets | 8.6303% | 5,163 |
| Core capital (leverage) ratio | 8.9002% | 4,852 |
| Tier 1 risk-based capital ratio | 11.5514% | 5,021 |
| Total risk-based capital ratio | 12.8050% | 4,928 |
| Memoranda: | ||
| Average total assets | $310,544,800 | 2,111 |
| Average earning assets | $298,711,600 | 2,051 |
| Average equity | $27,379,200 | 2,545 |
| Average total loans | $259,516,800 | 1,738 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8275% | 3,843 |
| Cost of funding earning assets | 0.2164% | 4,909 |
| Net interest margin | 3.6110% | 3,027 |
| Noninterest income to average assets | 0.6917% | 2,204 |
| Noninterest expense to average assets | 3.1203% | 1,978 |
| Loan and lease loss provision to assets | 0.1304% | 1,796 |
| Net operating income to assets | 0.5843% | 4,353 |
| Return on assets (ROA) | 0.5843% | 4,470 |
| Pretax return on assets | 0.9156% | 3,922 |
| Return on Equity (ROE) | 6.5906% | 3,779 |
| Retained earnings to average equity (ytd only) | 6.5906% | 1,852 |
| Net charge-offs to loans | 0.0156% | 3,416 |
| Credit loss provision to net charge-offs | 1,000.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 80.1980% | 784 |
| Efficiency ratio | 74.8930% | 2,122 |
| Assets per employee ($millions) | 4.6688% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 2,552 |
| Loan loss allowance to noncurrent loans | 167.1985% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.6753% | 2,883 |
| Noncurrent loans to loans | 0.7924% | 2,692 |
| Net loans and leases to total assets | 83.5911% | 450 |
| Net loans and leases to deposits | 99.2116% | 758 |
| Net loans and leases to core deposits | 104.1232% | 1,336 |
| Total domestic deposits to total assets | 84.2555% | 3,122 |
| Equity capital to assets | 8.7916% | 5,323 |
| Core capital (leverage) ratio | 8.8621% | 4,992 |
| Tier 1 risk-based capital ratio | 11.3942% | 5,158 |
| Total risk-based capital ratio | 12.6485% | 5,053 |
| Memoranda: | ||
| Average total assets | $306,671,250 | 2,134 |
| Average earning assets | $295,088,000 | 2,078 |
| Average equity | $27,189,500 | 2,577 |
| Average total loans | $255,795,250 | 1,765 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7765% | 4,034 |
| Cost of funding earning assets | 0.2120% | 5,021 |
| Net interest margin | 3.5645% | 3,232 |
| Noninterest income to average assets | 0.7556% | 1,903 |
| Noninterest expense to average assets | 3.1715% | 1,881 |
| Loan and lease loss provision to assets | 0.1703% | 1,305 |
| Net operating income to assets | 0.5411% | 4,515 |
| Return on assets (ROA) | 0.5411% | 4,623 |
| Pretax return on assets | 0.8427% | 4,148 |
| Return on Equity (ROE) | 6.0856% | 4,009 |
| Retained earnings to average equity (ytd only) | 6.0856% | 2,075 |
| Net charge-offs to loans | 0.1257% | 1,587 |
| Credit loss provision to net charge-offs | 163.2911% | 1,509 |
| Earnings coverage of net charge-offs (x) | 9.7152% | 2,389 |
| Efficiency ratio | 75.7925% | 2,110 |
| Assets per employee ($millions) | 4.6274% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 2,792 |
| Loan loss allowance to noncurrent loans | 187.3551% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.5883% | 3,259 |
| Noncurrent loans to loans | 0.6933% | 2,996 |
| Net loans and leases to total assets | 83.1593% | 495 |
| Net loans and leases to deposits | 98.2067% | 868 |
| Net loans and leases to core deposits | 101.4109% | 1,517 |
| Total domestic deposits to total assets | 84.6779% | 3,012 |
| Equity capital to assets | 8.8542% | 5,357 |
| Core capital (leverage) ratio | 9.0323% | 4,789 |
| Tier 1 risk-based capital ratio | 11.4482% | 5,191 |
| Total risk-based capital ratio | 12.7020% | 5,075 |
| Memoranda: | ||
| Average total assets | $303,070,000 | 2,163 |
| Average earning assets | $291,541,000 | 2,106 |
| Average equity | $26,949,000 | 2,597 |
| Average total loans | $251,412,330 | 1,791 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7815% | 4,012 |
| Cost of funding earning assets | 0.2110% | 5,095 |
| Net interest margin | 3.5705% | 3,202 |
| Noninterest income to average assets | 0.6449% | 2,293 |
| Noninterest expense to average assets | 3.1964% | 1,844 |
| Loan and lease loss provision to assets | 0.1108% | 1,877 |
| Net operating income to assets | 0.4994% | 4,631 |
| Return on assets (ROA) | 0.4994% | 4,731 |
| Pretax return on assets | 0.7717% | 4,293 |
| Return on Equity (ROE) | 5.6034% | 4,173 |
| Retained earnings to average equity (ytd only) | 5.6034% | 2,579 |
| Net charge-offs to loans | 0.0325% | 2,309 |
| Credit loss provision to net charge-offs | 415.0000% | 696 |
| Earnings coverage of net charge-offs (x) | 33.0500% | 1,126 |
| Efficiency ratio | 78.3633% | 1,845 |
| Assets per employee ($millions) | 4.6240% | 2,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3868% | 2,486 |
| Loan loss allowance to noncurrent loans | 157.4108% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.7959% | 2,708 |
| Noncurrent loans to loans | 0.8810% | 2,643 |
| Net loans and leases to total assets | 80.1778% | 792 |
| Net loans and leases to deposits | 88.3520% | 1,788 |
| Net loans and leases to core deposits | 91.5615% | 2,229 |
| Total domestic deposits to total assets | 90.7482% | 346 |
| Equity capital to assets | 8.8393% | 5,307 |
| Core capital (leverage) ratio | 9.0653% | 4,778 |
| Tier 1 risk-based capital ratio | 11.8432% | 5,017 |
| Total risk-based capital ratio | 13.0976% | 4,920 |
| Memoranda: | ||
| Average total assets | $299,587,500 | 2,192 |
| Average earning assets | $288,140,500 | 2,136 |
| Average equity | $26,698,000 | 2,615 |
| Average total loans | $246,510,500 | 1,822 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7390% | 4,234 |
| Cost of funding earning assets | 0.2145% | 5,141 |
| Net interest margin | 3.5244% | 3,433 |
| Noninterest income to average assets | 0.3789% | 4,189 |
| Noninterest expense to average assets | 3.1929% | 1,983 |
| Loan and lease loss provision to assets | -0.0689% | 5,783 |
| Net operating income to assets | 0.4258% | 4,966 |
| Return on assets (ROA) | 0.4258% | 5,047 |
| Pretax return on assets | 0.6095% | 4,807 |
| Return on Equity (ROE) | 4.8045% | 4,603 |
| Retained earnings to average equity (ytd only) | 4.8045% | 2,566 |
| Net charge-offs to loans | 0.0633% | 2,958 |
| Credit loss provision to net charge-offs | -132.2368% | 5,203 |
| Earnings coverage of net charge-offs (x) | 10.3816% | 2,688 |
| Efficiency ratio | 85.5203% | 1,037 |
| Assets per employee ($millions) | 4.3234% | 3,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3794% | 2,517 |
| Loan loss allowance to noncurrent loans | 148.0280% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.8589% | 2,520 |
| Noncurrent loans to loans | 0.9318% | 2,473 |
| Net loans and leases to total assets | 82.1495% | 584 |
| Net loans and leases to deposits | 91.2372% | 1,479 |
| Net loans and leases to core deposits | 94.4584% | 2,006 |
| Total domestic deposits to total assets | 90.0395% | 617 |
| Equity capital to assets | 8.9866% | 5,137 |
| Core capital (leverage) ratio | 8.9889% | 4,900 |
| Tier 1 risk-based capital ratio | 11.7403% | 5,106 |
| Total risk-based capital ratio | 12.9950% | 5,026 |
| Memoranda: | ||
| Average total assets | $291,895,400 | 2,199 |
| Average earning assets | $277,830,800 | 2,154 |
| Average equity | $25,871,800 | 2,628 |
| Average total loans | $239,978,600 | 1,801 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7060% | 4,401 |
| Cost of funding earning assets | 0.2135% | 5,251 |
| Net interest margin | 3.4925% | 3,568 |
| Noninterest income to average assets | 0.3171% | 4,670 |
| Noninterest expense to average assets | 3.1789% | 2,023 |
| Loan and lease loss provision to assets | -0.1034% | 6,003 |
| Net operating income to assets | 0.3931% | 5,186 |
| Return on assets (ROA) | 0.3931% | 5,278 |
| Pretax return on assets | 0.5573% | 5,078 |
| Return on Equity (ROE) | 4.4504% | 4,852 |
| Retained earnings to average equity (ytd only) | 4.4504% | 3,296 |
| Net charge-offs to loans | 0.0061% | 3,963 |
| Credit loss provision to net charge-offs | -2,054.5455% | 5,601 |
| Earnings coverage of net charge-offs (x) | 90.1588% | 685 |
| Efficiency ratio | 87.5047% | 890 |
| Assets per employee ($millions) | 4.6181% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 2,406 |
| Loan loss allowance to noncurrent loans | 148.3227% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.8790% | 2,683 |
| Noncurrent loans to loans | 0.9714% | 2,556 |
| Net loans and leases to total assets | 80.8409% | 716 |
| Net loans and leases to deposits | 90.5213% | 1,582 |
| Net loans and leases to core deposits | 94.3213% | 2,046 |
| Total domestic deposits to total assets | 89.3059% | 867 |
| Equity capital to assets | 8.8714% | 5,425 |
| Core capital (leverage) ratio | 9.0403% | 4,949 |
| Tier 1 risk-based capital ratio | 11.7461% | 5,239 |
| Total risk-based capital ratio | 13.0010% | 5,158 |
| Memoranda: | ||
| Average total assets | $291,371,250 | 2,215 |
| Average earning assets | $276,626,000 | 2,174 |
| Average equity | $25,734,750 | 2,659 |
| Average total loans | $238,750,500 | 1,813 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6302% | 4,640 |
| Cost of funding earning assets | 0.2146% | 5,311 |
| Net interest margin | 3.4157% | 3,853 |
| Noninterest income to average assets | 0.1690% | 5,690 |
| Noninterest expense to average assets | 3.1706% | 2,062 |
| Loan and lease loss provision to assets | -0.2421% | 6,205 |
| Net operating income to assets | 0.3435% | 5,315 |
| Return on assets (ROA) | 0.3435% | 5,420 |
| Pretax return on assets | 0.4793% | 5,280 |
| Return on Equity (ROE) | 3.8947% | 5,050 |
| Retained earnings to average equity (ytd only) | 3.8947% | 3,522 |
| Net charge-offs to loans | 0.0076% | 3,627 |
| Credit loss provision to net charge-offs | -3,900.0000% | 5,567 |
| Earnings coverage of net charge-offs (x) | 38.2222% | 1,164 |
| Efficiency ratio | 93.0378% | 576 |
| Assets per employee ($millions) | 4.5101% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4162% | 2,681 |
| Loan loss allowance to noncurrent loans | 109.5517% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 2.0194% | 1,086 |
| Noncurrent loans to loans | 1.2927% | 2,085 |
| Net loans and leases to total assets | 81.3222% | 630 |
| Net loans and leases to deposits | 93.1521% | 1,237 |
| Net loans and leases to core deposits | 97.0449% | 1,716 |
| Total domestic deposits to total assets | 87.3004% | 2,009 |
| Equity capital to assets | 8.9351% | 5,295 |
| Core capital (leverage) ratio | 8.9132% | 5,077 |
| Tier 1 risk-based capital ratio | 11.6692% | 5,356 |
| Total risk-based capital ratio | 12.9237% | 5,269 |
| Memoranda: | ||
| Average total assets | $289,976,330 | 2,233 |
| Average earning assets | $274,969,330 | 2,197 |
| Average equity | $25,573,000 | 2,681 |
| Average total loans | $237,526,330 | 1,823 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5301% | 4,886 |
| Cost of funding earning assets | 0.2144% | 5,369 |
| Net interest margin | 3.3157% | 4,151 |
| Noninterest income to average assets | 0.6152% | 2,574 |
| Noninterest expense to average assets | 3.1737% | 2,055 |
| Loan and lease loss provision to assets | 0.0578% | 2,776 |
| Net operating income to assets | 0.3633% | 5,209 |
| Return on assets (ROA) | 0.3633% | 5,327 |
| Pretax return on assets | 0.5340% | 5,086 |
| Return on Equity (ROE) | 4.1470% | 4,918 |
| Retained earnings to average equity (ytd only) | 4.1470% | 3,519 |
| Net charge-offs to loans | 0.0320% | 2,548 |
| Credit loss provision to net charge-offs | 221.0526% | 984 |
| Earnings coverage of net charge-offs (x) | 22.6316% | 1,346 |
| Efficiency ratio | 84.2836% | 1,346 |
| Assets per employee ($millions) | 4.4718% | 3,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 2,105 |
| Loan loss allowance to noncurrent loans | 58.5948% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 2.2121% | 1,040 |
| Noncurrent loans to loans | 2.7043% | 869 |
| Net loans and leases to total assets | 80.1913% | 668 |
| Net loans and leases to deposits | 90.3552% | 1,355 |
| Net loans and leases to core deposits | 94.0353% | 1,769 |
| Total domestic deposits to total assets | 88.7512% | 1,419 |
| Equity capital to assets | 8.8220% | 5,484 |
| Core capital (leverage) ratio | 8.8682% | 5,116 |
| Tier 1 risk-based capital ratio | 11.7424% | 5,414 |
| Total risk-based capital ratio | 12.9990% | 5,311 |
| Memoranda: | ||
| Average total assets | $290,640,500 | 2,244 |
| Average earning assets | $276,141,000 | 2,201 |
| Average equity | $25,464,000 | 2,704 |
| Average total loans | $237,236,000 | 1,830 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6485% | 4,938 |
| Cost of funding earning assets | 0.2295% | 5,531 |
| Net interest margin | 3.4190% | 4,116 |
| Noninterest income to average assets | 0.6561% | 2,523 |
| Noninterest expense to average assets | 3.2737% | 1,997 |
| Loan and lease loss provision to assets | 0.0820% | 2,840 |
| Net operating income to assets | 0.3649% | 5,338 |
| Return on assets (ROA) | 0.3675% | 5,400 |
| Pretax return on assets | 0.5493% | 5,104 |
| Return on Equity (ROE) | 4.2708% | 4,995 |
| Retained earnings to average equity (ytd only) | 4.2708% | 3,148 |
| Net charge-offs to loans | 0.1535% | 2,504 |
| Credit loss provision to net charge-offs | 65.8263% | 3,163 |
| Earnings coverage of net charge-offs (x) | 5.0364% | 3,513 |
| Efficiency ratio | 83.9148% | 1,418 |
| Assets per employee ($millions) | 4.4032% | 3,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5701% | 2,192 |
| Loan loss allowance to noncurrent loans | 84.8919% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.5715% | 1,725 |
| Noncurrent loans to loans | 1.8495% | 1,541 |
| Net loans and leases to total assets | 80.4842% | 671 |
| Net loans and leases to deposits | 92.0872% | 1,279 |
| Net loans and leases to core deposits | 95.5071% | 1,764 |
| Total domestic deposits to total assets | 87.4000% | 2,082 |
| Equity capital to assets | 8.7006% | 5,578 |
| Core capital (leverage) ratio | 8.7318% | 5,319 |
| Tier 1 risk-based capital ratio | 11.6673% | 5,565 |
| Total risk-based capital ratio | 12.9240% | 5,472 |
| Memoranda: | ||
| Average total assets | $286,527,000 | 2,234 |
| Average earning assets | $271,948,800 | 2,183 |
| Average equity | $24,656,000 | 2,700 |
| Average total loans | $232,640,800 | 1,806 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6545% | 4,987 |
| Cost of funding earning assets | 0.2308% | 5,585 |
| Net interest margin | 3.4237% | 4,132 |
| Noninterest income to average assets | 0.6473% | 2,587 |
| Noninterest expense to average assets | 3.3175% | 1,866 |
| Loan and lease loss provision to assets | 0.1219% | 2,049 |
| Net operating income to assets | 0.3113% | 5,551 |
| Return on assets (ROA) | 0.3148% | 5,616 |
| Pretax return on assets | 0.4614% | 5,430 |
| Return on Equity (ROE) | 3.6681% | 5,293 |
| Retained earnings to average equity (ytd only) | 3.6681% | 4,034 |
| Net charge-offs to loans | 0.1389% | 2,409 |
| Credit loss provision to net charge-offs | 108.2988% | 2,061 |
| Earnings coverage of net charge-offs (x) | 5.1369% | 3,312 |
| Efficiency ratio | 85.1594% | 1,272 |
| Assets per employee ($millions) | 4.2025% | 3,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6456% | 2,147 |
| Loan loss allowance to noncurrent loans | 81.8297% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 1.6743% | 1,810 |
| Noncurrent loans to loans | 2.0110% | 1,575 |
| Net loans and leases to total assets | 79.8314% | 733 |
| Net loans and leases to deposits | 87.9400% | 1,683 |
| Net loans and leases to core deposits | 91.1273% | 2,104 |
| Total domestic deposits to total assets | 90.7794% | 423 |
| Equity capital to assets | 8.5712% | 5,745 |
| Core capital (leverage) ratio | 8.5954% | 5,556 |
| Tier 1 risk-based capital ratio | 11.6697% | 5,689 |
| Total risk-based capital ratio | 12.9278% | 5,605 |
| Memoranda: | ||
| Average total assets | $285,506,000 | 2,253 |
| Average earning assets | $270,890,250 | 2,205 |
| Average equity | $24,498,750 | 2,714 |
| Average total loans | $231,394,250 | 1,822 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6452% | 5,023 |
| Cost of funding earning assets | 0.2331% | 5,643 |
| Net interest margin | 3.4121% | 4,126 |
| Noninterest income to average assets | 0.6366% | 2,630 |
| Noninterest expense to average assets | 3.3632% | 1,774 |
| Loan and lease loss provision to assets | 0.1542% | 1,603 |
| Net operating income to assets | 0.2502% | 5,714 |
| Return on assets (ROA) | 0.2556% | 5,773 |
| Pretax return on assets | 0.3634% | 5,652 |
| Return on Equity (ROE) | 2.9778% | 5,538 |
| Retained earnings to average equity (ytd only) | 2.9778% | 4,308 |
| Net charge-offs to loans | 0.1773% | 1,972 |
| Credit loss provision to net charge-offs | 107.3529% | 1,864 |
| Earnings coverage of net charge-offs (x) | 3.5490% | 3,279 |
| Efficiency ratio | 86.8364% | 1,186 |
| Assets per employee ($millions) | 4.0848% | 3,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6488% | 2,295 |
| Loan loss allowance to noncurrent loans | 84.2702% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.6479% | 1,977 |
| Noncurrent loans to loans | 1.9566% | 1,730 |
| Net loans and leases to total assets | 80.6889% | 603 |
| Net loans and leases to deposits | 90.6666% | 1,304 |
| Net loans and leases to core deposits | 95.1074% | 1,677 |
| Total domestic deposits to total assets | 88.9952% | 1,353 |
| Equity capital to assets | 8.6134% | 5,704 |
| Core capital (leverage) ratio | 8.5586% | 5,578 |
| Tier 1 risk-based capital ratio | 11.5724% | 5,761 |
| Total risk-based capital ratio | 12.8274% | 5,714 |
| Memoranda: | ||
| Average total assets | $284,017,670 | 2,261 |
| Average earning assets | $269,396,000 | 2,215 |
| Average equity | $24,380,330 | 2,722 |
| Average total loans | $230,072,000 | 1,822 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7274% | 4,751 |
| Cost of funding earning assets | 0.2385% | 5,686 |
| Net interest margin | 3.4890% | 3,746 |
| Noninterest income to average assets | 0.6317% | 2,558 |
| Noninterest expense to average assets | 3.4099% | 1,678 |
| Loan and lease loss provision to assets | 0.1328% | 1,824 |
| Net operating income to assets | 0.2770% | 5,577 |
| Return on assets (ROA) | 0.2770% | 5,621 |
| Pretax return on assets | 0.3971% | 5,460 |
| Return on Equity (ROE) | 3.2322% | 5,376 |
| Retained earnings to average equity (ytd only) | 3.2322% | 4,182 |
| Net charge-offs to loans | 0.3406% | 1,052 |
| Credit loss provision to net charge-offs | 48.4536% | 2,221 |
| Earnings coverage of net charge-offs (x) | 1.9330% | 2,984 |
| Efficiency ratio | 86.5495% | 1,386 |
| Assets per employee ($millions) | 4.1314% | 3,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6215% | 2,607 |
| Loan loss allowance to noncurrent loans | 88.5350% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.5298% | 2,311 |
| Noncurrent loans to loans | 1.8315% | 2,097 |
| Net loans and leases to total assets | 79.8738% | 563 |
| Net loans and leases to deposits | 89.6743% | 1,190 |
| Net loans and leases to core deposits | 94.0670% | 1,544 |
| Total domestic deposits to total assets | 89.0710% | 1,610 |
| Equity capital to assets | 8.5521% | 5,598 |
| Core capital (leverage) ratio | 8.6382% | 5,478 |
| Tier 1 risk-based capital ratio | 11.7007% | 5,813 |
| Total risk-based capital ratio | 12.9584% | 5,751 |
| Memoranda: | ||
| Average total assets | $283,057,000 | 2,276 |
| Average earning assets | $268,390,000 | 2,231 |
| Average equity | $24,256,000 | 2,727 |
| Average total loans | $227,813,500 | 1,841 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6099% | 5,377 |
| Cost of funding earning assets | 0.2614% | 5,900 |
| Net interest margin | 3.3485% | 4,487 |
| Noninterest income to average assets | 0.6947% | 2,572 |
| Noninterest expense to average assets | 3.3257% | 2,064 |
| Loan and lease loss provision to assets | 0.1449% | 2,491 |
| Net operating income to assets | 0.3086% | 5,494 |
| Return on assets (ROA) | 0.3086% | 5,588 |
| Pretax return on assets | 0.3886% | 5,519 |
| Return on Equity (ROE) | 3.5549% | 5,297 |
| Retained earnings to average equity (ytd only) | 2.8081% | 4,246 |
| Net charge-offs to loans | 0.0339% | 4,761 |
| Credit loss provision to net charge-offs | 540.5405% | 431 |
| Earnings coverage of net charge-offs (x) | 19.9054% | 1,578 |
| Efficiency ratio | 86.1755% | 1,401 |
| Assets per employee ($millions) | 4.1947% | 3,450 |
| Cash dividends to net income (ytd only)* | 21.0094% | 3,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7187% | 2,338 |
| Loan loss allowance to noncurrent loans | 73.6148% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 1.9057% | 1,898 |
| Noncurrent loans to loans | 2.3347% | 1,645 |
| Net loans and leases to total assets | 78.3951% | 774 |
| Net loans and leases to deposits | 88.0287% | 1,461 |
| Net loans and leases to core deposits | 92.5332% | 1,727 |
| Total domestic deposits to total assets | 89.0563% | 1,581 |
| Equity capital to assets | 8.5868% | 5,488 |
| Core capital (leverage) ratio | 8.6926% | 5,422 |
| Tier 1 risk-based capital ratio | 12.1143% | 5,549 |
| Total risk-based capital ratio | 13.3723% | 5,479 |
| Memoranda: | ||
| Average total assets | $276,088,200 | 2,304 |
| Average earning assets | $260,923,000 | 2,246 |
| Average equity | $23,966,800 | 2,734 |
| Average total loans | $218,425,800 | 1,875 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6426% | 5,324 |
| Cost of funding earning assets | 0.2681% | 5,972 |
| Net interest margin | 3.3745% | 4,386 |
| Noninterest income to average assets | 0.7083% | 2,562 |
| Noninterest expense to average assets | 3.2963% | 2,090 |
| Loan and lease loss provision to assets | 0.1940% | 1,878 |
| Net operating income to assets | 0.3163% | 5,558 |
| Return on assets (ROA) | 0.3163% | 5,674 |
| Pretax return on assets | 0.4051% | 5,608 |
| Return on Equity (ROE) | 3.6334% | 5,375 |
| Retained earnings to average equity (ytd only) | 2.6359% | 4,751 |
| Net charge-offs to loans | 0.0332% | 4,470 |
| Credit loss provision to net charge-offs | 740.7407% | 393 |
| Earnings coverage of net charge-offs (x) | 22.8699% | 1,479 |
| Efficiency ratio | 84.6202% | 1,522 |
| Assets per employee ($millions) | 3.9682% | 3,899 |
| Cash dividends to net income (ytd only)* | 27.4540% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7843% | 2,354 |
| Loan loss allowance to noncurrent loans | 72.6778% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 2.0733% | 1,936 |
| Noncurrent loans to loans | 2.4550% | 1,777 |
| Net loans and leases to total assets | 76.7503% | 900 |
| Net loans and leases to deposits | 84.6052% | 1,792 |
| Net loans and leases to core deposits | 88.5543% | 2,125 |
| Total domestic deposits to total assets | 90.7157% | 648 |
| Equity capital to assets | 8.6597% | 5,556 |
| Core capital (leverage) ratio | 8.7659% | 5,459 |
| Tier 1 risk-based capital ratio | 12.4975% | 5,460 |
| Total risk-based capital ratio | 13.7571% | 5,397 |
| Memoranda: | ||
| Average total assets | $274,848,250 | 2,315 |
| Average earning assets | $259,588,500 | 2,259 |
| Average equity | $23,925,250 | 2,764 |
| Average total loans | $216,987,000 | 1,887 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6957% | 5,153 |
| Cost of funding earning assets | 0.2754% | 6,018 |
| Net interest margin | 3.4203% | 4,112 |
| Noninterest income to average assets | 0.7485% | 2,421 |
| Noninterest expense to average assets | 3.3044% | 2,056 |
| Loan and lease loss provision to assets | 0.2921% | 1,241 |
| Net operating income to assets | 0.2972% | 5,609 |
| Return on assets (ROA) | 0.2972% | 5,758 |
| Pretax return on assets | 0.3805% | 5,680 |
| Return on Equity (ROE) | 3.4084% | 5,463 |
| Retained earnings to average equity (ytd only) | 2.6547% | 4,617 |
| Net charge-offs to loans | 0.0627% | 3,807 |
| Credit loss provision to net charge-offs | 588.2353% | 491 |
| Earnings coverage of net charge-offs (x) | 13.5441% | 1,895 |
| Efficiency ratio | 83.0885% | 1,744 |
| Assets per employee ($millions) | 3.9951% | 3,814 |
| Cash dividends to net income (ytd only)* | 22.1130% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7731% | 2,519 |
| Loan loss allowance to noncurrent loans | 69.6445% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 2.1979% | 1,966 |
| Noncurrent loans to loans | 2.5459% | 1,813 |
| Net loans and leases to total assets | 78.6940% | 673 |
| Net loans and leases to deposits | 87.7959% | 1,367 |
| Net loans and leases to core deposits | 92.3397% | 1,676 |
| Total domestic deposits to total assets | 89.6328% | 1,243 |
| Equity capital to assets | 8.7891% | 5,454 |
| Core capital (leverage) ratio | 8.6821% | 5,448 |
| Tier 1 risk-based capital ratio | 12.5648% | 5,461 |
| Total risk-based capital ratio | 13.8245% | 5,390 |
| Memoranda: | ||
| Average total assets | $273,874,000 | 2,331 |
| Average earning assets | $258,517,670 | 2,278 |
| Average equity | $23,882,330 | 2,784 |
| Average total loans | $216,961,670 | 1,881 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7576% | 4,969 |
| Cost of funding earning assets | 0.2838% | 6,079 |
| Net interest margin | 3.4737% | 3,812 |
| Noninterest income to average assets | 0.7477% | 2,347 |
| Noninterest expense to average assets | 3.2963% | 2,091 |
| Loan and lease loss provision to assets | 0.2909% | 1,205 |
| Net operating income to assets | 0.3171% | 5,506 |
| Return on assets (ROA) | 0.3171% | 5,637 |
| Pretax return on assets | 0.4364% | 5,447 |
| Return on Equity (ROE) | 3.6508% | 5,274 |
| Retained earnings to average equity (ytd only) | 2.1436% | 4,930 |
| Net charge-offs to loans | -0.0018% | 5,156 |
| Credit loss provision to net charge-offs | -20,000.0000% | 5,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9234% | 2,045 |
| Assets per employee ($millions) | 4.1338% | 3,668 |
| Cash dividends to net income (ytd only)* | 41.2844% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7053% | 2,987 |
| Loan loss allowance to noncurrent loans | 70.7132% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 2.0587% | 2,274 |
| Noncurrent loans to loans | 2.4116% | 2,150 |
| Net loans and leases to total assets | 77.5860% | 655 |
| Net loans and leases to deposits | 89.0834% | 1,042 |
| Net loans and leases to core deposits | 93.8268% | 1,358 |
| Total domestic deposits to total assets | 87.0937% | 2,908 |
| Equity capital to assets | 8.6397% | 5,870 |
| Core capital (leverage) ratio | 8.7891% | 5,202 |
| Tier 1 risk-based capital ratio | 12.4655% | 5,601 |
| Total risk-based capital ratio | 13.7244% | 5,544 |
| Memoranda: | ||
| Average total assets | $274,978,500 | 2,345 |
| Average earning assets | $259,317,500 | 2,293 |
| Average equity | $23,885,000 | 2,813 |
| Average total loans | $216,621,000 | 1,899 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0204% | 5,237 |
| Cost of funding earning assets | 0.3313% | 6,307 |
| Net interest margin | 3.6891% | 3,692 |
| Noninterest income to average assets | 0.6727% | 2,868 |
| Noninterest expense to average assets | 3.3712% | 2,127 |
| Loan and lease loss provision to assets | 0.3155% | 2,169 |
| Net operating income to assets | 0.2774% | 5,551 |
| Return on assets (ROA) | 0.2774% | 5,764 |
| Pretax return on assets | 0.4697% | 5,372 |
| Return on Equity (ROE) | 3.1687% | 5,481 |
| Retained earnings to average equity (ytd only) | 1.2379% | 5,252 |
| Net charge-offs to loans | 0.1666% | 4,048 |
| Credit loss provision to net charge-offs | 241.6431% | 1,030 |
| Earnings coverage of net charge-offs (x) | 6.0142% | 2,893 |
| Efficiency ratio | 81.1104% | 1,996 |
| Assets per employee ($millions) | 4.0146% | 3,913 |
| Cash dividends to net income (ytd only)* | 60.9333% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6433% | 3,136 |
| Loan loss allowance to noncurrent loans | 44.5272% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 3.0591% | 1,542 |
| Noncurrent loans to loans | 3.6906% | 1,314 |
| Net loans and leases to total assets | 77.3286% | 758 |
| Net loans and leases to deposits | 87.9401% | 1,284 |
| Net loans and leases to core deposits | 91.9878% | 1,638 |
| Total domestic deposits to total assets | 87.9333% | 2,280 |
| Equity capital to assets | 8.7332% | 5,812 |
| Core capital (leverage) ratio | 8.8260% | 5,138 |
| Tier 1 risk-based capital ratio | 12.6682% | 5,351 |
| Total risk-based capital ratio | 13.9258% | 5,287 |
| Memoranda: | ||
| Average total assets | $270,404,400 | 2,341 |
| Average earning assets | $255,345,800 | 2,272 |
| Average equity | $23,668,800 | 2,782 |
| Average total loans | $211,938,400 | 1,904 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0410% | 5,391 |
| Cost of funding earning assets | 0.3432% | 6,413 |
| Net interest margin | 3.6978% | 3,802 |
| Noninterest income to average assets | 0.6692% | 2,881 |
| Noninterest expense to average assets | 3.3738% | 2,072 |
| Loan and lease loss provision to assets | 0.2966% | 2,217 |
| Net operating income to assets | 0.2911% | 5,640 |
| Return on assets (ROA) | 0.2911% | 5,846 |
| Pretax return on assets | 0.4928% | 5,486 |
| Return on Equity (ROE) | 3.3240% | 5,565 |
| Retained earnings to average equity (ytd only) | 0.7449% | 5,854 |
| Net charge-offs to loans | 0.1483% | 3,920 |
| Credit loss provision to net charge-offs | 255.3191% | 1,075 |
| Earnings coverage of net charge-offs (x) | 6.7956% | 2,707 |
| Efficiency ratio | 81.0400% | 1,929 |
| Assets per employee ($millions) | 4.0159% | 3,836 |
| Cash dividends to net income (ytd only)* | 77.5897% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6361% | 3,382 |
| Loan loss allowance to noncurrent loans | 56.6940% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 2.2690% | 2,346 |
| Noncurrent loans to loans | 2.8859% | 1,940 |
| Net loans and leases to total assets | 75.7900% | 1,002 |
| Net loans and leases to deposits | 86.3716% | 1,559 |
| Net loans and leases to core deposits | 90.3971% | 1,936 |
| Total domestic deposits to total assets | 87.7488% | 2,198 |
| Equity capital to assets | 8.8212% | 6,002 |
| Core capital (leverage) ratio | 8.6666% | 5,524 |
| Tier 1 risk-based capital ratio | 13.0153% | 5,235 |
| Total risk-based capital ratio | 14.2734% | 5,188 |
| Memoranda: | ||
| Average total assets | $269,757,500 | 2,369 |
| Average earning assets | $254,883,750 | 2,299 |
| Average equity | $23,625,750 | 2,809 |
| Average total loans | $211,266,000 | 1,935 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1330% | 5,184 |
| Cost of funding earning assets | 0.3571% | 6,479 |
| Net interest margin | 3.7759% | 3,474 |
| Noninterest income to average assets | 0.6067% | 3,219 |
| Noninterest expense to average assets | 3.3431% | 2,174 |
| Loan and lease loss provision to assets | 0.2963% | 2,210 |
| Net operating income to assets | 0.3185% | 5,553 |
| Return on assets (ROA) | 0.3185% | 5,757 |
| Pretax return on assets | 0.5385% | 5,344 |
| Return on Equity (ROE) | 3.6457% | 5,420 |
| Retained earnings to average equity (ytd only) | 1.7126% | 5,336 |
| Net charge-offs to loans | 0.1863% | 3,465 |
| Credit loss provision to net charge-offs | 202.0202% | 1,411 |
| Earnings coverage of net charge-offs (x) | 5.6919% | 2,778 |
| Efficiency ratio | 80.0177% | 2,171 |
| Assets per employee ($millions) | 4.0426% | 3,784 |
| Cash dividends to net income (ytd only)* | 53.0233% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5170% | 3,934 |
| Loan loss allowance to noncurrent loans | 76.9542% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 1.5942% | 3,329 |
| Noncurrent loans to loans | 1.9713% | 2,974 |
| Net loans and leases to total assets | 77.3941% | 796 |
| Net loans and leases to deposits | 87.1216% | 1,459 |
| Net loans and leases to core deposits | 90.0799% | 1,975 |
| Total domestic deposits to total assets | 88.8346% | 1,615 |
| Equity capital to assets | 8.7811% | 5,936 |
| Core capital (leverage) ratio | 8.6978% | 5,389 |
| Tier 1 risk-based capital ratio | 12.6725% | 5,437 |
| Total risk-based capital ratio | 13.9289% | 5,410 |
| Memoranda: | ||
| Average total assets | $269,987,670 | 2,374 |
| Average earning assets | $255,358,000 | 2,302 |
| Average equity | $23,589,330 | 2,800 |
| Average total loans | $212,582,000 | 1,927 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1911% | 5,138 |
| Cost of funding earning assets | 0.3665% | 6,563 |
| Net interest margin | 3.8247% | 3,267 |
| Noninterest income to average assets | 0.3843% | 4,791 |
| Noninterest expense to average assets | 3.5125% | 1,739 |
| Loan and lease loss provision to assets | 0.2968% | 2,100 |
| Net operating income to assets | 0.1172% | 6,200 |
| Return on assets (ROA) | 0.1172% | 6,330 |
| Pretax return on assets | 0.1988% | 6,207 |
| Return on Equity (ROE) | 1.3451% | 6,277 |
| Retained earnings to average equity (ytd only) | -2.5370% | 6,341 |
| Net charge-offs to loans | 0.3314% | 2,327 |
| Credit loss provision to net charge-offs | 113.6364% | 2,080 |
| Earnings coverage of net charge-offs (x) | 1.8977% | 3,386 |
| Efficiency ratio | 87.6342% | 1,318 |
| Assets per employee ($millions) | 4.0536% | 3,899 |
| Cash dividends to net income (ytd only)* | 288.6076% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 4,373 |
| Loan loss allowance to noncurrent loans | 72.2130% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.6006% | 3,446 |
| Noncurrent loans to loans | 2.0083% | 3,155 |
| Net loans and leases to total assets | 76.3363% | 769 |
| Net loans and leases to deposits | 85.6704% | 1,456 |
| Net loans and leases to core deposits | 90.5622% | 1,795 |
| Total domestic deposits to total assets | 89.1047% | 1,635 |
| Equity capital to assets | 8.6158% | 5,975 |
| Core capital (leverage) ratio | 8.6560% | 5,367 |
| Tier 1 risk-based capital ratio | 12.6884% | 5,456 |
| Total risk-based capital ratio | 13.9437% | 5,414 |
| Memoranda: | ||
| Average total assets | $269,554,500 | 2,387 |
| Average earning assets | $255,395,500 | 2,322 |
| Average equity | $23,492,000 | 2,803 |
| Average total loans | $212,446,000 | 1,933 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4669% | 5,193 |
| Cost of funding earning assets | 0.4643% | 6,681 |
| Net interest margin | 4.0027% | 2,862 |
| Noninterest income to average assets | 0.7725% | 2,220 |
| Noninterest expense to average assets | 3.3151% | 2,478 |
| Loan and lease loss provision to assets | 0.3870% | 2,671 |
| Net operating income to assets | 0.5977% | 4,007 |
| Return on assets (ROA) | 0.5977% | 4,195 |
| Pretax return on assets | 0.8201% | 3,911 |
| Return on Equity (ROE) | 6.8181% | 3,481 |
| Retained earnings to average equity (ytd only) | 4.7526% | 2,820 |
| Net charge-offs to loans | 0.4397% | 3,236 |
| Credit loss provision to net charge-offs | 110.6695% | 3,016 |
| Earnings coverage of net charge-offs (x) | 3.4519% | 3,516 |
| Efficiency ratio | 73.3074% | 3,341 |
| Assets per employee ($millions) | 3.9341% | 3,995 |
| Cash dividends to net income (ytd only)* | 30.2938% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4111% | 4,406 |
| Loan loss allowance to noncurrent loans | 76.7300% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 1.5203% | 3,673 |
| Noncurrent loans to loans | 1.8390% | 3,424 |
| Net loans and leases to total assets | 79.0570% | 602 |
| Net loans and leases to deposits | 90.5231% | 1,094 |
| Net loans and leases to core deposits | 95.4722% | 1,545 |
| Total domestic deposits to total assets | 87.3335% | 2,562 |
| Equity capital to assets | 8.8159% | 5,778 |
| Core capital (leverage) ratio | 8.7359% | 5,197 |
| Tier 1 risk-based capital ratio | 12.7972% | 5,241 |
| Total risk-based capital ratio | 14.0523% | 5,221 |
| Memoranda: | ||
| Average total assets | $273,386,200 | 2,314 |
| Average earning assets | $256,103,200 | 2,259 |
| Average equity | $23,965,600 | 2,671 |
| Average total loans | $217,434,600 | 1,890 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4992% | 5,253 |
| Cost of funding earning assets | 0.4830% | 6,771 |
| Net interest margin | 4.0161% | 2,849 |
| Noninterest income to average assets | 0.7597% | 2,264 |
| Noninterest expense to average assets | 3.2739% | 2,580 |
| Loan and lease loss provision to assets | 0.4540% | 2,190 |
| Net operating income to assets | 0.4604% | 4,724 |
| Return on assets (ROA) | 0.4604% | 4,914 |
| Pretax return on assets | 0.7786% | 4,202 |
| Return on Equity (ROE) | 5.2587% | 4,420 |
| Retained earnings to average equity (ytd only) | 2.6488% | 4,774 |
| Net charge-offs to loans | 0.3435% | 3,383 |
| Credit loss provision to net charge-offs | 166.5480% | 1,828 |
| Earnings coverage of net charge-offs (x) | 4.5214% | 3,040 |
| Efficiency ratio | 72.6480% | 3,429 |
| Assets per employee ($millions) | 3.7773% | 4,349 |
| Cash dividends to net income (ytd only)* | 49.6309% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 3,956 |
| Loan loss allowance to noncurrent loans | 82.8270% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 1.5094% | 3,846 |
| Noncurrent loans to loans | 1.8491% | 3,567 |
| Net loans and leases to total assets | 77.9910% | 708 |
| Net loans and leases to deposits | 88.9475% | 1,328 |
| Net loans and leases to core deposits | 93.8443% | 1,806 |
| Total domestic deposits to total assets | 87.6821% | 2,247 |
| Equity capital to assets | 8.4288% | 6,369 |
| Core capital (leverage) ratio | 8.2753% | 6,012 |
| Tier 1 risk-based capital ratio | 12.1446% | 5,784 |
| Total risk-based capital ratio | 13.4015% | 5,773 |
| Memoranda: | ||
| Average total assets | $274,853,750 | 2,319 |
| Average earning assets | $256,426,250 | 2,272 |
| Average equity | $24,061,000 | 2,664 |
| Average total loans | $218,164,000 | 1,894 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4983% | 5,361 |
| Cost of funding earning assets | 0.5016% | 6,843 |
| Net interest margin | 3.9967% | 2,855 |
| Noninterest income to average assets | 0.7331% | 2,357 |
| Noninterest expense to average assets | 3.2964% | 2,582 |
| Loan and lease loss provision to assets | 0.5061% | 1,934 |
| Net operating income to assets | 0.3879% | 5,006 |
| Return on assets (ROA) | 0.3879% | 5,140 |
| Pretax return on assets | 0.6570% | 4,545 |
| Return on Equity (ROE) | 4.3780% | 4,749 |
| Retained earnings to average equity (ytd only) | 2.3486% | 4,790 |
| Net charge-offs to loans | 0.4592% | 2,745 |
| Credit loss provision to net charge-offs | 138.7674% | 2,198 |
| Earnings coverage of net charge-offs (x) | 3.1889% | 3,274 |
| Efficiency ratio | 73.9187% | 3,374 |
| Assets per employee ($millions) | 3.7676% | 4,278 |
| Cash dividends to net income (ytd only)* | 46.3551% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4367% | 4,412 |
| Loan loss allowance to noncurrent loans | 72.7506% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.6041% | 3,792 |
| Noncurrent loans to loans | 1.9748% | 3,517 |
| Net loans and leases to total assets | 77.8485% | 798 |
| Net loans and leases to deposits | 88.8259% | 1,391 |
| Net loans and leases to core deposits | 93.8351% | 1,913 |
| Total domestic deposits to total assets | 87.6417% | 2,375 |
| Equity capital to assets | 8.9559% | 5,643 |
| Core capital (leverage) ratio | 9.0795% | 4,605 |
| Tier 1 risk-based capital ratio | 12.9786% | 4,931 |
| Total risk-based capital ratio | 14.2342% | 4,910 |
| Memoranda: | ||
| Average total assets | $275,817,670 | 2,320 |
| Average earning assets | $257,164,330 | 2,282 |
| Average equity | $24,440,330 | 2,615 |
| Average total loans | $219,083,670 | 1,915 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5249% | 5,253 |
| Cost of funding earning assets | 0.5207% | 6,894 |
| Net interest margin | 4.0042% | 2,668 |
| Noninterest income to average assets | 0.6995% | 2,581 |
| Noninterest expense to average assets | 3.0933% | 3,273 |
| Loan and lease loss provision to assets | 0.6242% | 1,382 |
| Net operating income to assets | 0.4214% | 4,847 |
| Return on assets (ROA) | 0.4214% | 4,936 |
| Pretax return on assets | 0.7125% | 4,257 |
| Return on Equity (ROE) | 4.7814% | 4,510 |
| Retained earnings to average equity (ytd only) | 1.1009% | 5,387 |
| Net charge-offs to loans | 0.4309% | 2,403 |
| Credit loss provision to net charge-offs | 181.8565% | 1,609 |
| Earnings coverage of net charge-offs (x) | 3.8945% | 2,608 |
| Efficiency ratio | 69.8267% | 4,311 |
| Assets per employee ($millions) | 3.8917% | 4,091 |
| Cash dividends to net income (ytd only)* | 76.9759% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 4,592 |
| Loan loss allowance to noncurrent loans | 80.6568% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.4437% | 4,104 |
| Noncurrent loans to loans | 1.7529% | 3,885 |
| Net loans and leases to total assets | 78.7105% | 654 |
| Net loans and leases to deposits | 86.7030% | 1,618 |
| Net loans and leases to core deposits | 91.4883% | 2,180 |
| Total domestic deposits to total assets | 90.7817% | 722 |
| Equity capital to assets | 8.8198% | 5,462 |
| Core capital (leverage) ratio | 8.8952% | 4,781 |
| Tier 1 risk-based capital ratio | 12.8197% | 4,961 |
| Total risk-based capital ratio | 14.0748% | 4,938 |
| Memoranda: | ||
| Average total assets | $276,207,500 | 2,335 |
| Average earning assets | $257,333,000 | 2,291 |
| Average equity | $24,344,500 | 2,612 |
| Average total loans | $220,008,500 | 1,928 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8774% | 5,128 |
| Cost of funding earning assets | 0.8747% | 6,273 |
| Net interest margin | 4.0027% | 3,007 |
| Noninterest income to average assets | 0.8981% | 1,855 |
| Noninterest expense to average assets | 3.7446% | 1,598 |
| Loan and lease loss provision to assets | 0.2492% | 4,806 |
| Net operating income to assets | 0.3695% | 4,680 |
| Return on assets (ROA) | 0.3695% | 4,829 |
| Pretax return on assets | 0.6151% | 4,273 |
| Return on Equity (ROE) | 4.3352% | 4,371 |
| Retained earnings to average equity (ytd only) | 3.4999% | 3,414 |
| Net charge-offs to loans | 0.2587% | 4,743 |
| Credit loss provision to net charge-offs | 118.6441% | 3,578 |
| Earnings coverage of net charge-offs (x) | 4.1153% | 3,056 |
| Efficiency ratio | 81.2466% | 2,253 |
| Assets per employee ($millions) | 3.9444% | 3,901 |
| Cash dividends to net income (ytd only)* | 19.2678% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3331% | 4,836 |
| Loan loss allowance to noncurrent loans | 93.0048% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 1.1898% | 4,634 |
| Noncurrent loans to loans | 1.4334% | 4,339 |
| Net loans and leases to total assets | 78.4079% | 883 |
| Net loans and leases to deposits | 86.4230% | 2,017 |
| Net loans and leases to core deposits | 92.6263% | 2,428 |
| Total domestic deposits to total assets | 90.7256% | 732 |
| Equity capital to assets | 8.8079% | 5,420 |
| Core capital (leverage) ratio | 8.4491% | 5,450 |
| Tier 1 risk-based capital ratio | 12.9154% | 4,670 |
| Total risk-based capital ratio | 14.1706% | 4,641 |
| Memoranda: | ||
| Average total assets | $280,914,000 | 2,277 |
| Average earning assets | $260,424,400 | 2,251 |
| Average equity | $23,943,800 | 2,661 |
| Average total loans | $228,061,000 | 1,912 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9157% | 5,194 |
| Cost of funding earning assets | 0.9260% | 6,284 |
| Net interest margin | 3.9897% | 3,151 |
| Noninterest income to average assets | 1.0747% | 1,240 |
| Noninterest expense to average assets | 3.8508% | 1,280 |
| Loan and lease loss provision to assets | 0.2992% | 4,183 |
| Net operating income to assets | 0.3748% | 4,866 |
| Return on assets (ROA) | 0.3748% | 5,048 |
| Pretax return on assets | 0.6205% | 4,527 |
| Return on Equity (ROE) | 4.4332% | 4,584 |
| Retained earnings to average equity (ytd only) | 4.0251% | 3,642 |
| Net charge-offs to loans | 0.3544% | 3,887 |
| Credit loss provision to net charge-offs | 103.4314% | 4,149 |
| Earnings coverage of net charge-offs (x) | 3.1797% | 3,551 |
| Efficiency ratio | 80.7212% | 2,252 |
| Assets per employee ($millions) | 3.9790% | 3,883 |
| Cash dividends to net income (ytd only)* | 9.2054% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 5,058 |
| Loan loss allowance to noncurrent loans | 93.8141% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 1.1196% | 4,877 |
| Noncurrent loans to loans | 1.3657% | 4,579 |
| Net loans and leases to total assets | 77.3499% | 1,155 |
| Net loans and leases to deposits | 86.7652% | 2,188 |
| Net loans and leases to core deposits | 92.3654% | 2,745 |
| Total domestic deposits to total assets | 89.1486% | 1,312 |
| Equity capital to assets | 8.5824% | 6,180 |
| Core capital (leverage) ratio | 8.5561% | 5,410 |
| Tier 1 risk-based capital ratio | 12.7316% | 4,794 |
| Total risk-based capital ratio | 13.9860% | 4,768 |
| Memoranda: | ||
| Average total assets | $282,116,250 | 2,303 |
| Average earning assets | $261,330,750 | 2,282 |
| Average equity | $23,850,000 | 2,712 |
| Average total loans | $230,223,000 | 1,919 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0052% | 4,920 |
| Cost of funding earning assets | 0.9800% | 6,238 |
| Net interest margin | 4.0252% | 2,898 |
| Noninterest income to average assets | 1.1653% | 943 |
| Noninterest expense to average assets | 4.1179% | 900 |
| Loan and lease loss provision to assets | 0.2837% | 4,126 |
| Net operating income to assets | 0.3036% | 5,168 |
| Return on assets (ROA) | 0.3036% | 5,327 |
| Pretax return on assets | 0.4809% | 4,961 |
| Return on Equity (ROE) | 3.6091% | 4,958 |
| Retained earnings to average equity (ytd only) | 3.1959% | 4,075 |
| Net charge-offs to loans | 0.2067% | 4,376 |
| Credit loss provision to net charge-offs | 165.9751% | 2,374 |
| Earnings coverage of net charge-offs (x) | 4.4730% | 2,943 |
| Efficiency ratio | 84.3405% | 1,882 |
| Assets per employee ($millions) | 3.9302% | 3,909 |
| Cash dividends to net income (ytd only)* | 11.4486% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 4,941 |
| Loan loss allowance to noncurrent loans | 128.5220% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.8794% | 5,361 |
| Noncurrent loans to loans | 1.0087% | 5,295 |
| Net loans and leases to total assets | 81.1436% | 649 |
| Net loans and leases to deposits | 91.0804% | 1,681 |
| Net loans and leases to core deposits | 96.5606% | 2,384 |
| Total domestic deposits to total assets | 89.0901% | 1,385 |
| Equity capital to assets | 8.5650% | 6,076 |
| Core capital (leverage) ratio | 8.4957% | 5,414 |
| Tier 1 risk-based capital ratio | 12.1936% | 5,136 |
| Total risk-based capital ratio | 13.4489% | 5,104 |
| Memoranda: | ||
| Average total assets | $281,986,000 | 2,319 |
| Average earning assets | $260,409,330 | 2,302 |
| Average equity | $23,718,000 | 2,719 |
| Average total loans | $233,179,000 | 1,921 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0628% | 4,722 |
| Cost of funding earning assets | 1.0344% | 6,204 |
| Net interest margin | 4.0285% | 2,751 |
| Noninterest income to average assets | 1.0315% | 1,199 |
| Noninterest expense to average assets | 3.8369% | 1,267 |
| Loan and lease loss provision to assets | 0.2822% | 3,773 |
| Net operating income to assets | 0.3740% | 4,956 |
| Return on assets (ROA) | 0.3740% | 5,082 |
| Pretax return on assets | 0.6167% | 4,542 |
| Return on Equity (ROE) | 4.4864% | 4,671 |
| Retained earnings to average equity (ytd only) | 4.0631% | 3,718 |
| Net charge-offs to loans | 0.2672% | 3,341 |
| Credit loss provision to net charge-offs | 127.3885% | 2,769 |
| Earnings coverage of net charge-offs (x) | 4.0573% | 2,715 |
| Efficiency ratio | 81.0191% | 2,407 |
| Assets per employee ($millions) | 3.3725% | 5,362 |
| Cash dividends to net income (ytd only)* | 9.4340% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 5,315 |
| Loan loss allowance to noncurrent loans | 94.0441% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 1.0857% | 4,972 |
| Noncurrent loans to loans | 1.3112% | 4,788 |
| Net loans and leases to total assets | 81.7798% | 618 |
| Net loans and leases to deposits | 94.3528% | 1,308 |
| Net loans and leases to core deposits | 99.3934% | 2,192 |
| Total domestic deposits to total assets | 86.6745% | 2,798 |
| Equity capital to assets | 8.4837% | 6,022 |
| Core capital (leverage) ratio | 8.5248% | 5,331 |
| Tier 1 risk-based capital ratio | 12.0886% | 5,098 |
| Total risk-based capital ratio | 13.3429% | 5,062 |
| Memoranda: | ||
| Average total assets | $283,458,500 | 2,360 |
| Average earning assets | $260,644,500 | 2,347 |
| Average equity | $23,627,000 | 2,759 |
| Average total loans | $235,069,500 | 1,960 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2695% | 5,324 |
| Cost of funding earning assets | 1.5631% | 5,213 |
| Net interest margin | 3.7064% | 4,110 |
| Noninterest income to average assets | 1.3250% | 854 |
| Noninterest expense to average assets | 3.9475% | 1,440 |
| Loan and lease loss provision to assets | 0.2297% | 5,536 |
| Net operating income to assets | 0.3396% | 4,376 |
| Return on assets (ROA) | 0.3396% | 4,463 |
| Pretax return on assets | 0.5495% | 4,050 |
| Return on Equity (ROE) | 4.4854% | 3,891 |
| Retained earnings to average equity (ytd only) | 4.1007% | 2,342 |
| Net charge-offs to loans | 0.3946% | 4,238 |
| Credit loss provision to net charge-offs | 70.3141% | 6,488 |
| Earnings coverage of net charge-offs (x) | 2.3850% | 3,944 |
| Efficiency ratio | 83.5154% | 2,413 |
| Assets per employee ($millions) | 3.4167% | 5,218 |
| Cash dividends to net income (ytd only)* | 8.5770% | 3,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 5,467 |
| Loan loss allowance to noncurrent loans | 83.7050% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 1.1718% | 4,754 |
| Noncurrent loans to loans | 1.4108% | 4,565 |
| Net loans and leases to total assets | 82.0734% | 675 |
| Net loans and leases to deposits | 94.8594% | 1,484 |
| Net loans and leases to core deposits | 109.2389% | 2,978 |
| Total domestic deposits to total assets | 86.5210% | 2,752 |
| Equity capital to assets | 8.1905% | 6,355 |
| Core capital (leverage) ratio | 8.0741% | 6,041 |
| Tier 1 risk-based capital ratio | 11.6280% | 5,264 |
| Total risk-based capital ratio | 12.8795% | 5,222 |
| Memoranda: | ||
| Average total assets | $302,118,600 | 2,204 |
| Average earning assets | $277,274,000 | 2,194 |
| Average equity | $22,874,000 | 2,843 |
| Average total loans | $250,133,800 | 1,893 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2944% | 5,450 |
| Cost of funding earning assets | 1.6761% | 5,029 |
| Net interest margin | 3.6183% | 4,413 |
| Noninterest income to average assets | 1.4414% | 715 |
| Noninterest expense to average assets | 3.9563% | 1,337 |
| Loan and lease loss provision to assets | 0.2123% | 5,286 |
| Net operating income to assets | 0.3801% | 4,481 |
| Return on assets (ROA) | 0.3801% | 4,584 |
| Pretax return on assets | 0.6019% | 4,179 |
| Return on Equity (ROE) | 5.1182% | 3,915 |
| Retained earnings to average equity (ytd only) | 4.7602% | 2,626 |
| Net charge-offs to loans | 0.4241% | 3,563 |
| Credit loss provision to net charge-offs | 60.4969% | 6,160 |
| Earnings coverage of net charge-offs (x) | 2.3205% | 4,086 |
| Efficiency ratio | 82.9328% | 2,435 |
| Assets per employee ($millions) | 3.2232% | 5,595 |
| Cash dividends to net income (ytd only)* | 6.9953% | 3,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 5,412 |
| Loan loss allowance to noncurrent loans | 138.5303% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.7674% | 5,593 |
| Noncurrent loans to loans | 0.8305% | 5,636 |
| Net loans and leases to total assets | 81.7227% | 857 |
| Net loans and leases to deposits | 94.8016% | 1,750 |
| Net loans and leases to core deposits | 109.5779% | 3,284 |
| Total domestic deposits to total assets | 86.2039% | 2,584 |
| Equity capital to assets | 7.9706% | 6,873 |
| Core capital (leverage) ratio | 7.8352% | 6,573 |
| Tier 1 risk-based capital ratio | 11.2603% | 5,675 |
| Total risk-based capital ratio | 12.5130% | 5,622 |
| Memoranda: | ||
| Average total assets | $305,897,500 | 2,192 |
| Average earning assets | $281,447,500 | 2,187 |
| Average equity | $22,715,750 | 2,885 |
| Average total loans | $253,075,250 | 1,900 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3183% | 5,568 |
| Cost of funding earning assets | 1.7821% | 4,848 |
| Net interest margin | 3.5362% | 4,631 |
| Noninterest income to average assets | 1.4944% | 663 |
| Noninterest expense to average assets | 4.0033% | 1,313 |
| Loan and lease loss provision to assets | 0.1980% | 5,072 |
| Net operating income to assets | 0.3431% | 4,706 |
| Return on assets (ROA) | 0.3431% | 4,821 |
| Pretax return on assets | 0.5514% | 4,465 |
| Return on Equity (ROE) | 4.7300% | 4,193 |
| Retained earnings to average equity (ytd only) | 4.4633% | 2,809 |
| Net charge-offs to loans | 0.3671% | 3,351 |
| Credit loss provision to net charge-offs | 65.1805% | 5,504 |
| Earnings coverage of net charge-offs (x) | 2.4671% | 3,832 |
| Efficiency ratio | 84.2312% | 2,454 |
| Assets per employee ($millions) | 3.2867% | 5,354 |
| Cash dividends to net income (ytd only)* | 5.6391% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 5,070 |
| Loan loss allowance to noncurrent loans | 143.7500% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.7640% | 5,491 |
| Noncurrent loans to loans | 0.8215% | 5,583 |
| Net loans and leases to total assets | 82.3671% | 891 |
| Net loans and leases to deposits | 97.5887% | 1,586 |
| Net loans and leases to core deposits | 117.6905% | 2,570 |
| Total domestic deposits to total assets | 84.4023% | 3,556 |
| Equity capital to assets | 7.6101% | 7,168 |
| Core capital (leverage) ratio | 7.4953% | 7,023 |
| Tier 1 risk-based capital ratio | 10.7226% | 6,167 |
| Total risk-based capital ratio | 11.9757% | 6,102 |
| Memoranda: | ||
| Average total assets | $310,091,670 | 2,200 |
| Average earning assets | $285,729,000 | 2,192 |
| Average equity | $22,494,670 | 2,917 |
| Average total loans | $256,602,000 | 1,907 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3592% | 5,619 |
| Cost of funding earning assets | 1.8167% | 5,035 |
| Net interest margin | 3.5426% | 4,555 |
| Noninterest income to average assets | 1.3853% | 737 |
| Noninterest expense to average assets | 3.9240% | 1,277 |
| Loan and lease loss provision to assets | 0.1483% | 5,040 |
| Net operating income to assets | 0.3650% | 4,992 |
| Return on assets (ROA) | 0.3650% | 5,177 |
| Pretax return on assets | 0.5754% | 4,828 |
| Return on Equity (ROE) | 5.1517% | 4,407 |
| Retained earnings to average equity (ytd only) | 5.1517% | 3,040 |
| Net charge-offs to loans | 0.0108% | 5,475 |
| Credit loss provision to net charge-offs | 1,671.4286% | 374 |
| Earnings coverage of net charge-offs (x) | 81.5714% | 515 |
| Efficiency ratio | 84.4287% | 2,257 |
| Assets per employee ($millions) | 3.2700% | 5,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 4,465 |
| Loan loss allowance to noncurrent loans | 104.8550% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.9776% | 4,747 |
| Noncurrent loans to loans | 1.1894% | 4,593 |
| Net loans and leases to total assets | 81.1726% | 1,167 |
| Net loans and leases to deposits | 100.2254% | 1,383 |
| Net loans and leases to core deposits | 118.8108% | 2,523 |
| Total domestic deposits to total assets | 80.9901% | 4,977 |
| Equity capital to assets | 7.1671% | 7,588 |
| Core capital (leverage) ratio | 7.1850% | 7,494 |
| Tier 1 risk-based capital ratio | 10.4073% | 6,488 |
| Total risk-based capital ratio | 11.6613% | 6,394 |
| Memoranda: | ||
| Average total assets | $315,593,000 | 2,182 |
| Average earning assets | $290,638,000 | 2,179 |
| Average equity | $22,361,500 | 2,934 |
| Average total loans | $260,255,500 | 1,903 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8021% | 6,418 |
| Cost of funding earning assets | 2.2480% | 5,377 |
| Net interest margin | 3.5540% | 5,078 |
| Noninterest income to average assets | 0.6953% | 3,147 |
| Noninterest expense to average assets | 4.3223% | 1,018 |
| Loan and lease loss provision to assets | 0.0673% | 6,550 |
| Net operating income to assets | -0.2332% | 6,659 |
| Return on assets (ROA) | -0.7565% | 7,010 |
| Pretax return on assets | -1.2140% | 7,124 |
| Return on Equity (ROE) | -10.8433% | 7,330 |
| Retained earnings to average equity (ytd only) | -12.6136% | 7,299 |
| Net charge-offs to loans | 0.1216% | 5,029 |
| Credit loss provision to net charge-offs | 68.3386% | 6,096 |
| Earnings coverage of net charge-offs (x) | -3.3417% | 6,785 |
| Efficiency ratio | 108.2425% | 752 |
| Assets per employee ($millions) | 2.9651% | 6,137 |
| Cash dividends to net income (ytd only)* | -16.3265% | 7,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 4,671 |
| Loan loss allowance to noncurrent loans | 89.0544% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.1000% | 4,082 |
| Noncurrent loans to loans | 1.3296% | 3,853 |
| Net loans and leases to total assets | 81.7510% | 1,272 |
| Net loans and leases to deposits | 105.9774% | 1,126 |
| Net loans and leases to core deposits | 121.8474% | 2,522 |
| Total domestic deposits to total assets | 77.1400% | 5,958 |
| Equity capital to assets | 7.0048% | 7,737 |
| Core capital (leverage) ratio | 6.9155% | 7,746 |
| Tier 1 risk-based capital ratio | 9.9097% | 6,835 |
| Total risk-based capital ratio | 11.1631% | 6,718 |
| Memoranda: | ||
| Average total assets | $323,880,400 | 2,065 |
| Average earning assets | $300,531,400 | 2,034 |
| Average equity | $22,594,600 | 2,894 |
| Average total loans | $262,405,400 | 1,817 |