Home > The National Union Bank of Kinderhook > Performance and Condition Ratios
The National Union Bank of Kinderhook, Performance and Condition Ratios
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4310% | 3,242 |
| Cost of funding earning assets | 0.8024% | 2,629 |
| Net interest margin | 3.6286% | 3,167 |
| Noninterest income to average assets | 0.3372% | 3,677 |
| Noninterest expense to average assets | 2.6103% | 3,174 |
| Loan and lease loss provision to assets | 0.0731% | 2,354 |
| Net operating income to assets | 0.7690% | 3,758 |
| Return on assets (ROA) | 0.7811% | 3,785 |
| Pretax return on assets | 1.0455% | 3,401 |
| Return on Equity (ROE) | 7.2412% | 3,585 |
| Retained earnings to average equity (ytd only) | 3.1611% | 3,640 |
| Net charge-offs to loans | 0.1905% | 871 |
| Credit loss provision to net charge-offs | 50.0000% | 2,472 |
| Earnings coverage of net charge-offs (x) | 7.5472% | 2,477 |
| Efficiency ratio | 69.4205% | 2,314 |
| Assets per employee ($millions) | 6.8224% | 1,082 |
| Cash dividends to net income (ytd only)* | 56.3454% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8333% | 4,327 |
| Loan loss allowance to noncurrent loans | 55.0859% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 1.1524% | 1,168 |
| Noncurrent loans to loans | 1.5128% | 1,020 |
| Net loans and leases to total assets | 74.1768% | 1,861 |
| Net loans and leases to deposits | 84.5277% | 2,431 |
| Net loans and leases to core deposits | 90.7295% | 2,537 |
| Total domestic deposits to total assets | 87.7544% | 1,220 |
| Equity capital to assets | 10.8309% | 3,238 |
| Core capital (leverage) ratio | 10.1128% | 3,490 |
| Tier 1 risk-based capital ratio | 14.7622% | 2,936 |
| Total risk-based capital ratio | 15.7581% | 2,985 |
| Memoranda: | ||
| Average total assets | $637,560,330 | 1,165 |
| Average earning assets | $593,224,330 | 1,153 |
| Average equity | $68,773,330 | 1,225 |
| Average total loans | $489,314,000 | 1,102 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4622% | 3,002 |
| Cost of funding earning assets | 0.7662% | 2,705 |
| Net interest margin | 3.6960% | 2,909 |
| Noninterest income to average assets | 0.3442% | 3,560 |
| Noninterest expense to average assets | 2.8393% | 2,445 |
| Loan and lease loss provision to assets | 0.1474% | 1,147 |
| Net operating income to assets | 0.5510% | 4,379 |
| Return on assets (ROA) | 0.5510% | 4,408 |
| Pretax return on assets | 0.7908% | 4,065 |
| Return on Equity (ROE) | 5.1189% | 4,292 |
| Retained earnings to average equity (ytd only) | 2.0100% | 4,063 |
| Net charge-offs to loans | 0.3686% | 422 |
| Credit loss provision to net charge-offs | 51.4349% | 1,968 |
| Earnings coverage of net charge-offs (x) | 3.2737% | 2,418 |
| Efficiency ratio | 74.3092% | 1,713 |
| Assets per employee ($millions) | 6.2012% | 1,403 |
| Cash dividends to net income (ytd only)* | 60.7348% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8231% | 4,447 |
| Loan loss allowance to noncurrent loans | 56.6141% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 1.1532% | 1,179 |
| Noncurrent loans to loans | 1.4539% | 1,111 |
| Net loans and leases to total assets | 77.2054% | 1,289 |
| Net loans and leases to deposits | 88.0244% | 1,868 |
| Net loans and leases to core deposits | 94.2758% | 2,097 |
| Total domestic deposits to total assets | 87.7090% | 1,472 |
| Equity capital to assets | 10.8328% | 3,016 |
| Core capital (leverage) ratio | 10.0881% | 3,506 |
| Tier 1 risk-based capital ratio | 14.0608% | 3,311 |
| Total risk-based capital ratio | 15.0244% | 3,366 |
| Memoranda: | ||
| Average total assets | $632,277,000 | 1,174 |
| Average earning assets | $587,333,500 | 1,173 |
| Average equity | $68,061,000 | 1,230 |
| Average total loans | $491,571,000 | 1,099 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4406% | 2,635 |
| Cost of funding earning assets | 0.5749% | 2,887 |
| Net interest margin | 3.8657% | 2,441 |
| Noninterest income to average assets | 0.4286% | 3,251 |
| Noninterest expense to average assets | 2.6388% | 3,214 |
| Loan and lease loss provision to assets | 0.0798% | 2,526 |
| Net operating income to assets | 0.9862% | 3,073 |
| Return on assets (ROA) | 0.9649% | 3,155 |
| Pretax return on assets | 1.2730% | 2,605 |
| Return on Equity (ROE) | 9.4852% | 2,753 |
| Retained earnings to average equity (ytd only) | 6.2948% | 2,036 |
| Net charge-offs to loans | 0.0617% | 2,244 |
| Credit loss provision to net charge-offs | 170.7483% | 1,634 |
| Earnings coverage of net charge-offs (x) | 29.5102% | 1,621 |
| Efficiency ratio | 64.8318% | 3,058 |
| Assets per employee ($millions) | 5.9068% | 1,589 |
| Cash dividends to net income (ytd only)* | 33.6355% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8709% | 4,296 |
| Loan loss allowance to noncurrent loans | 56.1408% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 1.2045% | 1,084 |
| Noncurrent loans to loans | 1.5513% | 964 |
| Net loans and leases to total assets | 76.9698% | 1,447 |
| Net loans and leases to deposits | 87.6083% | 2,102 |
| Net loans and leases to core deposits | 92.8917% | 2,329 |
| Total domestic deposits to total assets | 87.8568% | 1,367 |
| Equity capital to assets | 10.6960% | 2,991 |
| Core capital (leverage) ratio | 9.9892% | 3,587 |
| Tier 1 risk-based capital ratio | 14.0723% | 3,260 |
| Total risk-based capital ratio | 15.1012% | 3,289 |
| Memoranda: | ||
| Average total assets | $628,846,000 | 1,158 |
| Average earning assets | $583,976,800 | 1,146 |
| Average equity | $63,973,400 | 1,253 |
| Average total loans | $476,653,800 | 1,094 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3517% | 2,786 |
| Cost of funding earning assets | 0.5397% | 2,936 |
| Net interest margin | 3.8120% | 2,602 |
| Noninterest income to average assets | 0.4454% | 3,201 |
| Noninterest expense to average assets | 2.6670% | 3,076 |
| Loan and lease loss provision to assets | 0.0839% | 2,288 |
| Net operating income to assets | 0.9246% | 3,410 |
| Return on assets (ROA) | 0.8963% | 3,555 |
| Pretax return on assets | 1.2022% | 2,973 |
| Return on Equity (ROE) | 8.9258% | 3,122 |
| Retained earnings to average equity (ytd only) | 5.7293% | 2,805 |
| Net charge-offs to loans | 0.0826% | 1,697 |
| Credit loss provision to net charge-offs | 134.8123% | 1,847 |
| Earnings coverage of net charge-offs (x) | 21.2524% | 1,929 |
| Efficiency ratio | 66.0192% | 2,870 |
| Assets per employee ($millions) | 5.8411% | 1,616 |
| Cash dividends to net income (ytd only)* | 35.8124% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8474% | 4,474 |
| Loan loss allowance to noncurrent loans | 53.1912% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 1.4346% | 916 |
| Noncurrent loans to loans | 1.5932% | 996 |
| Net loans and leases to total assets | 76.5788% | 1,571 |
| Net loans and leases to deposits | 86.9761% | 2,265 |
| Net loans and leases to core deposits | 90.6131% | 2,604 |
| Total domestic deposits to total assets | 88.0458% | 1,222 |
| Equity capital to assets | 10.2767% | 3,362 |
| Core capital (leverage) ratio | 9.7307% | 3,918 |
| Tier 1 risk-based capital ratio | 13.6104% | 3,569 |
| Total risk-based capital ratio | 14.6147% | 3,627 |
| Memoranda: | ||
| Average total assets | $628,049,500 | 1,160 |
| Average earning assets | $583,820,000 | 1,149 |
| Average equity | $63,066,250 | 1,266 |
| Average total loans | $473,130,250 | 1,100 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3328% | 2,653 |
| Cost of funding earning assets | 0.5123% | 2,912 |
| Net interest margin | 3.8204% | 2,497 |
| Noninterest income to average assets | 0.4789% | 2,982 |
| Noninterest expense to average assets | 2.6729% | 3,102 |
| Loan and lease loss provision to assets | 0.0691% | 2,497 |
| Net operating income to assets | 0.9653% | 3,166 |
| Return on assets (ROA) | 0.9226% | 3,356 |
| Pretax return on assets | 1.2349% | 2,792 |
| Return on Equity (ROE) | 9.2616% | 2,913 |
| Retained earnings to average equity (ytd only) | 6.0663% | 2,521 |
| Net charge-offs to loans | 0.0801% | 1,525 |
| Credit loss provision to net charge-offs | 115.5080% | 1,836 |
| Earnings coverage of net charge-offs (x) | 22.7005% | 1,735 |
| Efficiency ratio | 65.4762% | 3,067 |
| Assets per employee ($millions) | 5.9022% | 1,546 |
| Cash dividends to net income (ytd only)* | 34.5007% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8565% | 4,532 |
| Loan loss allowance to noncurrent loans | 63.3354% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 1.2180% | 1,179 |
| Noncurrent loans to loans | 1.3524% | 1,254 |
| Net loans and leases to total assets | 74.3424% | 1,892 |
| Net loans and leases to deposits | 84.2831% | 2,505 |
| Net loans and leases to core deposits | 87.7438% | 2,746 |
| Total domestic deposits to total assets | 88.2056% | 1,271 |
| Equity capital to assets | 10.1645% | 3,470 |
| Core capital (leverage) ratio | 9.7594% | 3,829 |
| Tier 1 risk-based capital ratio | 13.3024% | 3,732 |
| Total risk-based capital ratio | 14.2832% | 3,791 |
| Memoranda: | ||
| Average total assets | $625,172,670 | 1,166 |
| Average earning assets | $581,243,670 | 1,156 |
| Average equity | $62,278,330 | 1,282 |
| Average total loans | $466,930,670 | 1,120 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3341% | 2,406 |
| Cost of funding earning assets | 0.4786% | 2,979 |
| Net interest margin | 3.8555% | 2,211 |
| Noninterest income to average assets | 0.5751% | 2,394 |
| Noninterest expense to average assets | 2.7888% | 2,735 |
| Loan and lease loss provision to assets | 0.0969% | 1,897 |
| Net operating income to assets | 0.9586% | 3,039 |
| Return on assets (ROA) | 0.9208% | 3,216 |
| Pretax return on assets | 1.2284% | 2,647 |
| Return on Equity (ROE) | 9.3410% | 2,745 |
| Retained earnings to average equity (ytd only) | 6.2011% | 2,625 |
| Net charge-offs to loans | 0.1075% | 1,133 |
| Credit loss provision to net charge-offs | 120.9677% | 1,371 |
| Earnings coverage of net charge-offs (x) | 17.1371% | 1,597 |
| Efficiency ratio | 66.1854% | 3,128 |
| Assets per employee ($millions) | 5.9565% | 1,547 |
| Cash dividends to net income (ytd only)* | 33.6140% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8825% | 4,520 |
| Loan loss allowance to noncurrent loans | 62.4485% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 1.0575% | 1,478 |
| Noncurrent loans to loans | 1.4131% | 1,257 |
| Net loans and leases to total assets | 74.1752% | 1,831 |
| Net loans and leases to deposits | 83.6662% | 2,427 |
| Net loans and leases to core deposits | 86.7315% | 2,746 |
| Total domestic deposits to total assets | 88.6561% | 1,281 |
| Equity capital to assets | 9.8283% | 3,767 |
| Core capital (leverage) ratio | 9.2346% | 4,394 |
| Tier 1 risk-based capital ratio | 10.8404% | 5,223 |
| Total risk-based capital ratio | 11.6712% | 5,300 |
| Memoranda: | ||
| Average total assets | $619,041,000 | 1,187 |
| Average earning assets | $575,897,500 | 1,180 |
| Average equity | $61,021,500 | 1,313 |
| Average total loans | $461,406,500 | 1,134 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9698% | 3,507 |
| Cost of funding earning assets | 0.4426% | 2,851 |
| Net interest margin | 3.5272% | 3,438 |
| Noninterest income to average assets | 0.3756% | 3,784 |
| Noninterest expense to average assets | 2.7913% | 2,803 |
| Loan and lease loss provision to assets | 0.0684% | 2,832 |
| Net operating income to assets | 0.4565% | 4,507 |
| Return on assets (ROA) | 0.4565% | 4,541 |
| Pretax return on assets | 0.8180% | 4,204 |
| Return on Equity (ROE) | 4.7754% | 4,257 |
| Retained earnings to average equity (ytd only) | 1.6855% | 4,290 |
| Net charge-offs to loans | 0.0011% | 4,089 |
| Credit loss provision to net charge-offs | 8,525.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 1,104.5000% | 74 |
| Efficiency ratio | 75.7992% | 1,648 |
| Assets per employee ($millions) | 5.7414% | 1,723 |
| Cash dividends to net income (ytd only)* | 64.7033% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8822% | 4,552 |
| Loan loss allowance to noncurrent loans | 76.1521% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 0.8609% | 1,811 |
| Noncurrent loans to loans | 1.1585% | 1,533 |
| Net loans and leases to total assets | 73.6533% | 1,978 |
| Net loans and leases to deposits | 83.3483% | 2,568 |
| Net loans and leases to core deposits | 86.5778% | 2,868 |
| Total domestic deposits to total assets | 88.3681% | 1,320 |
| Equity capital to assets | 9.8632% | 3,858 |
| Core capital (leverage) ratio | 10.1695% | 3,225 |
| Tier 1 risk-based capital ratio | 12.9206% | 3,953 |
| Total risk-based capital ratio | 13.9113% | 4,003 |
| Memoranda: | ||
| Average total assets | $498,407,600 | 1,407 |
| Average earning assets | $466,602,600 | 1,393 |
| Average equity | $47,640,400 | 1,575 |
| Average total loans | $361,798,400 | 1,343 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9726% | 3,457 |
| Cost of funding earning assets | 0.4457% | 2,754 |
| Net interest margin | 3.5268% | 3,399 |
| Noninterest income to average assets | 0.3858% | 3,781 |
| Noninterest expense to average assets | 2.8194% | 2,663 |
| Loan and lease loss provision to assets | 0.0513% | 3,073 |
| Net operating income to assets | 0.5202% | 4,680 |
| Return on assets (ROA) | 0.5202% | 4,706 |
| Pretax return on assets | 0.8265% | 4,281 |
| Return on Equity (ROE) | 5.5006% | 4,320 |
| Retained earnings to average equity (ytd only) | 2.1749% | 4,555 |
| Net charge-offs to loans | 0.0008% | 3,770 |
| Credit loss provision to net charge-offs | 9,000.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 1,538.5393% | 57 |
| Efficiency ratio | 76.2580% | 1,553 |
| Assets per employee ($millions) | 5.9399% | 1,544 |
| Cash dividends to net income (ytd only)* | 60.4598% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 3,313 |
| Loan loss allowance to noncurrent loans | 74.6417% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.0877% | 1,531 |
| Noncurrent loans to loans | 1.5139% | 1,233 |
| Net loans and leases to total assets | 71.0327% | 2,405 |
| Net loans and leases to deposits | 79.0375% | 3,066 |
| Net loans and leases to core deposits | 81.4817% | 3,329 |
| Total domestic deposits to total assets | 89.8721% | 517 |
| Equity capital to assets | 9.3216% | 4,632 |
| Core capital (leverage) ratio | 9.5618% | 4,081 |
| Tier 1 risk-based capital ratio | 12.6253% | 4,247 |
| Total risk-based capital ratio | 13.8086% | 4,187 |
| Memoranda: | ||
| Average total assets | $467,992,000 | 1,497 |
| Average earning assets | $439,403,000 | 1,481 |
| Average equity | $44,260,750 | 1,696 |
| Average total loans | $337,056,250 | 1,428 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9584% | 3,352 |
| Cost of funding earning assets | 0.4516% | 2,585 |
| Net interest margin | 3.5068% | 3,372 |
| Noninterest income to average assets | 0.3930% | 3,733 |
| Noninterest expense to average assets | 2.7678% | 2,871 |
| Loan and lease loss provision to assets | 0.0518% | 2,950 |
| Net operating income to assets | 0.5474% | 4,531 |
| Return on assets (ROA) | 0.5474% | 4,569 |
| Pretax return on assets | 0.8697% | 4,038 |
| Return on Equity (ROE) | 5.7597% | 4,150 |
| Retained earnings to average equity (ytd only) | 2.4192% | 4,236 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0234% | 1,853 |
| Assets per employee ($millions) | 5.5206% | 1,855 |
| Cash dividends to net income (ytd only)* | 57.9984% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 3,377 |
| Loan loss allowance to noncurrent loans | 79.5041% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.0437% | 1,680 |
| Noncurrent loans to loans | 1.4315% | 1,330 |
| Net loans and leases to total assets | 72.0825% | 2,189 |
| Net loans and leases to deposits | 80.4590% | 2,860 |
| Net loans and leases to core deposits | 82.8926% | 3,183 |
| Total domestic deposits to total assets | 89.5891% | 690 |
| Equity capital to assets | 9.6643% | 4,262 |
| Core capital (leverage) ratio | 9.6819% | 3,911 |
| Tier 1 risk-based capital ratio | 12.9593% | 4,020 |
| Total risk-based capital ratio | 14.1537% | 3,975 |
| Memoranda: | ||
| Average total assets | $463,613,330 | 1,511 |
| Average earning assets | $435,783,670 | 1,504 |
| Average equity | $44,064,670 | 1,701 |
| Average total loans | $334,187,000 | 1,441 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9155% | 3,347 |
| Cost of funding earning assets | 0.4540% | 2,493 |
| Net interest margin | 3.4615% | 3,416 |
| Noninterest income to average assets | 0.3926% | 3,717 |
| Noninterest expense to average assets | 2.8829% | 2,510 |
| Loan and lease loss provision to assets | 0.0078% | 3,454 |
| Net operating income to assets | 0.4340% | 4,844 |
| Return on assets (ROA) | 0.4340% | 4,864 |
| Pretax return on assets | 0.7585% | 4,257 |
| Return on Equity (ROE) | 4.6053% | 4,562 |
| Retained earnings to average equity (ytd only) | 1.2360% | 4,580 |
| Net charge-offs to loans | -0.0012% | 3,970 |
| Credit loss provision to net charge-offs | -900.0000% | 4,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0021% | 1,486 |
| Assets per employee ($millions) | 5.6905% | 1,734 |
| Cash dividends to net income (ytd only)* | 73.1610% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1251% | 3,544 |
| Loan loss allowance to noncurrent loans | 77.0245% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.0400% | 1,749 |
| Noncurrent loans to loans | 1.4607% | 1,378 |
| Net loans and leases to total assets | 70.4000% | 2,307 |
| Net loans and leases to deposits | 80.2829% | 2,712 |
| Net loans and leases to core deposits | 82.6197% | 3,025 |
| Total domestic deposits to total assets | 87.6899% | 1,893 |
| Equity capital to assets | 9.4054% | 4,383 |
| Core capital (leverage) ratio | 9.5581% | 4,045 |
| Tier 1 risk-based capital ratio | 12.6972% | 4,262 |
| Total risk-based capital ratio | 13.8437% | 4,239 |
| Memoranda: | ||
| Average total assets | $463,556,500 | 1,518 |
| Average earning assets | $436,111,500 | 1,504 |
| Average equity | $43,689,000 | 1,720 |
| Average total loans | $332,223,500 | 1,451 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1441% | 2,680 |
| Cost of funding earning assets | 0.5000% | 2,090 |
| Net interest margin | 3.6441% | 2,913 |
| Noninterest income to average assets | 0.5209% | 3,093 |
| Noninterest expense to average assets | 2.6770% | 3,428 |
| Loan and lease loss provision to assets | 0.1186% | 2,092 |
| Net operating income to assets | 0.8087% | 3,263 |
| Return on assets (ROA) | 0.8087% | 3,374 |
| Pretax return on assets | 1.1524% | 2,887 |
| Return on Equity (ROE) | 8.2782% | 2,798 |
| Retained earnings to average equity (ytd only) | 4.9071% | 2,400 |
| Net charge-offs to loans | -0.0357% | 5,306 |
| Credit loss provision to net charge-offs | -448.2759% | 5,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8066% | 3,276 |
| Assets per employee ($millions) | 5.6850% | 1,706 |
| Cash dividends to net income (ytd only)* | 40.7219% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 3,596 |
| Loan loss allowance to noncurrent loans | 77.2322% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 1.0482% | 1,803 |
| Noncurrent loans to loans | 1.4530% | 1,395 |
| Net loans and leases to total assets | 71.3324% | 2,269 |
| Net loans and leases to deposits | 81.4491% | 2,730 |
| Net loans and leases to core deposits | 84.0342% | 3,021 |
| Total domestic deposits to total assets | 87.5790% | 1,840 |
| Equity capital to assets | 9.4443% | 4,334 |
| Core capital (leverage) ratio | 9.6106% | 3,949 |
| Tier 1 risk-based capital ratio | 12.4657% | 4,392 |
| Total risk-based capital ratio | 13.5916% | 4,370 |
| Memoranda: | ||
| Average total assets | $438,481,400 | 1,549 |
| Average earning assets | $412,369,800 | 1,526 |
| Average equity | $42,835,600 | 1,729 |
| Average total loans | $324,616,400 | 1,436 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1471% | 2,692 |
| Cost of funding earning assets | 0.5015% | 2,092 |
| Net interest margin | 3.6456% | 2,908 |
| Noninterest income to average assets | 0.5561% | 2,887 |
| Noninterest expense to average assets | 2.7148% | 3,316 |
| Loan and lease loss provision to assets | 0.1201% | 1,930 |
| Net operating income to assets | 0.7775% | 3,470 |
| Return on assets (ROA) | 0.7775% | 3,614 |
| Pretax return on assets | 1.1486% | 3,058 |
| Return on Equity (ROE) | 7.8894% | 3,065 |
| Retained earnings to average equity (ytd only) | 4.5243% | 3,117 |
| Net charge-offs to loans | -0.0372% | 5,253 |
| Credit loss provision to net charge-offs | -433.3333% | 5,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1509% | 3,197 |
| Assets per employee ($millions) | 5.4028% | 1,947 |
| Cash dividends to net income (ytd only)* | 42.6534% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 3,737 |
| Loan loss allowance to noncurrent loans | 71.6406% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.1119% | 1,826 |
| Noncurrent loans to loans | 1.5624% | 1,389 |
| Net loans and leases to total assets | 70.3666% | 2,440 |
| Net loans and leases to deposits | 78.8263% | 3,093 |
| Net loans and leases to core deposits | 81.1758% | 3,344 |
| Total domestic deposits to total assets | 89.2679% | 769 |
| Equity capital to assets | 9.8604% | 4,292 |
| Core capital (leverage) ratio | 9.9863% | 3,589 |
| Tier 1 risk-based capital ratio | 12.8101% | 4,272 |
| Total risk-based capital ratio | 13.9427% | 4,255 |
| Memoranda: | ||
| Average total assets | $432,979,750 | 1,566 |
| Average earning assets | $407,051,000 | 1,540 |
| Average equity | $42,672,000 | 1,742 |
| Average total loans | $322,719,250 | 1,441 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2297% | 2,411 |
| Cost of funding earning assets | 0.5087% | 2,036 |
| Net interest margin | 3.7209% | 2,613 |
| Noninterest income to average assets | 0.5736% | 2,772 |
| Noninterest expense to average assets | 2.6576% | 3,526 |
| Loan and lease loss provision to assets | 0.1697% | 1,308 |
| Net operating income to assets | 0.8405% | 3,128 |
| Return on assets (ROA) | 0.8405% | 3,262 |
| Pretax return on assets | 1.2477% | 2,608 |
| Return on Equity (ROE) | 8.5300% | 2,734 |
| Retained earnings to average equity (ytd only) | 5.1284% | 2,642 |
| Net charge-offs to loans | 0.0056% | 3,506 |
| Credit loss provision to net charge-offs | 4,033.3333% | 106 |
| Earnings coverage of net charge-offs (x) | 336.8889% | 203 |
| Efficiency ratio | 65.2174% | 3,804 |
| Assets per employee ($millions) | 5.2596% | 2,024 |
| Cash dividends to net income (ytd only)* | 39.8776% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0654% | 4,133 |
| Loan loss allowance to noncurrent loans | 58.4365% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 1.3673% | 1,446 |
| Noncurrent loans to loans | 1.8232% | 1,129 |
| Net loans and leases to total assets | 74.1948% | 1,803 |
| Net loans and leases to deposits | 83.4161% | 2,540 |
| Net loans and leases to core deposits | 85.9347% | 2,906 |
| Total domestic deposits to total assets | 88.9455% | 943 |
| Equity capital to assets | 10.2277% | 3,939 |
| Core capital (leverage) ratio | 9.8469% | 3,753 |
| Tier 1 risk-based capital ratio | 12.7444% | 4,354 |
| Total risk-based capital ratio | 13.8443% | 4,366 |
| Memoranda: | ||
| Average total assets | $427,829,670 | 1,584 |
| Average earning assets | $402,586,330 | 1,564 |
| Average equity | $42,157,000 | 1,760 |
| Average total loans | $323,920,000 | 1,440 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3024% | 2,131 |
| Cost of funding earning assets | 0.5081% | 2,040 |
| Net interest margin | 3.7943% | 2,309 |
| Noninterest income to average assets | 0.4919% | 3,179 |
| Noninterest expense to average assets | 2.5290% | 3,982 |
| Loan and lease loss provision to assets | 0.2112% | 919 |
| Net operating income to assets | 0.8843% | 2,832 |
| Return on assets (ROA) | 0.8843% | 2,958 |
| Pretax return on assets | 1.3199% | 2,225 |
| Return on Equity (ROE) | 9.1501% | 2,343 |
| Retained earnings to average equity (ytd only) | 5.6629% | 2,549 |
| Net charge-offs to loans | 0.0074% | 2,867 |
| Credit loss provision to net charge-offs | 3,750.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 271.8333% | 222 |
| Efficiency ratio | 62.2890% | 4,406 |
| Assets per employee ($millions) | 5.5597% | 1,780 |
| Cash dividends to net income (ytd only)* | 38.1104% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 4,565 |
| Loan loss allowance to noncurrent loans | 61.0435% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 1.2508% | 1,741 |
| Noncurrent loans to loans | 1.6493% | 1,374 |
| Net loans and leases to total assets | 75.0744% | 1,540 |
| Net loans and leases to deposits | 83.7909% | 2,329 |
| Net loans and leases to core deposits | 86.4390% | 2,709 |
| Total domestic deposits to total assets | 89.5972% | 789 |
| Equity capital to assets | 9.5977% | 4,570 |
| Core capital (leverage) ratio | 9.4716% | 4,245 |
| Tier 1 risk-based capital ratio | 11.9579% | 4,937 |
| Total risk-based capital ratio | 13.0046% | 4,985 |
| Memoranda: | ||
| Average total assets | $426,100,000 | 1,592 |
| Average earning assets | $400,708,500 | 1,567 |
| Average equity | $41,180,000 | 1,794 |
| Average total loans | $324,160,000 | 1,429 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1280% | 2,824 |
| Cost of funding earning assets | 0.4625% | 2,512 |
| Net interest margin | 3.6655% | 2,882 |
| Noninterest income to average assets | 0.4770% | 3,483 |
| Noninterest expense to average assets | 2.8694% | 2,966 |
| Loan and lease loss provision to assets | 0.2168% | 956 |
| Net operating income to assets | 0.5864% | 4,348 |
| Return on assets (ROA) | 0.6055% | 4,343 |
| Pretax return on assets | 0.8436% | 4,047 |
| Return on Equity (ROE) | 6.1227% | 3,980 |
| Retained earnings to average equity (ytd only) | 2.4522% | 4,323 |
| Net charge-offs to loans | 0.1827% | 1,571 |
| Credit loss provision to net charge-offs | 154.2962% | 1,730 |
| Earnings coverage of net charge-offs (x) | 7.3583% | 3,089 |
| Efficiency ratio | 73.5110% | 2,655 |
| Assets per employee ($millions) | 5.5072% | 1,795 |
| Cash dividends to net income (ytd only)* | 59.9491% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 4,782 |
| Loan loss allowance to noncurrent loans | 45.3107% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 1.6304% | 1,203 |
| Noncurrent loans to loans | 2.1362% | 953 |
| Net loans and leases to total assets | 75.5840% | 1,481 |
| Net loans and leases to deposits | 84.5168% | 2,301 |
| Net loans and leases to core deposits | 87.3506% | 2,668 |
| Total domestic deposits to total assets | 89.4308% | 893 |
| Equity capital to assets | 9.7335% | 4,256 |
| Core capital (leverage) ratio | 9.8152% | 3,748 |
| Tier 1 risk-based capital ratio | 11.9225% | 5,007 |
| Total risk-based capital ratio | 12.9202% | 5,061 |
| Memoranda: | ||
| Average total assets | $389,284,600 | 1,691 |
| Average earning assets | $363,882,200 | 1,666 |
| Average equity | $38,496,000 | 1,866 |
| Average total loans | $299,476,600 | 1,470 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1238% | 2,840 |
| Cost of funding earning assets | 0.4460% | 2,726 |
| Net interest margin | 3.6777% | 2,858 |
| Noninterest income to average assets | 0.3965% | 4,111 |
| Noninterest expense to average assets | 2.8441% | 3,022 |
| Loan and lease loss provision to assets | 0.1417% | 1,566 |
| Net operating income to assets | 0.5885% | 4,436 |
| Return on assets (ROA) | 0.6136% | 4,421 |
| Pretax return on assets | 0.8803% | 4,051 |
| Return on Equity (ROE) | 6.1788% | 4,070 |
| Retained earnings to average equity (ytd only) | 2.4743% | 4,634 |
| Net charge-offs to loans | 0.0996% | 2,152 |
| Credit loss provision to net charge-offs | 184.5455% | 1,438 |
| Earnings coverage of net charge-offs (x) | 12.8407% | 2,372 |
| Efficiency ratio | 74.2550% | 2,512 |
| Assets per employee ($millions) | 5.1502% | 2,112 |
| Cash dividends to net income (ytd only)* | 59.9546% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 4,974 |
| Loan loss allowance to noncurrent loans | 59.0765% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 1.2561% | 1,864 |
| Noncurrent loans to loans | 1.6109% | 1,534 |
| Net loans and leases to total assets | 77.2322% | 1,217 |
| Net loans and leases to deposits | 86.7984% | 2,055 |
| Net loans and leases to core deposits | 89.5074% | 2,513 |
| Total domestic deposits to total assets | 88.9788% | 1,038 |
| Equity capital to assets | 10.0934% | 4,057 |
| Core capital (leverage) ratio | 10.3214% | 3,232 |
| Tier 1 risk-based capital ratio | 12.1976% | 4,962 |
| Total risk-based capital ratio | 13.1931% | 5,033 |
| Memoranda: | ||
| Average total assets | $381,969,250 | 1,734 |
| Average earning assets | $356,622,250 | 1,704 |
| Average equity | $37,935,250 | 1,900 |
| Average total loans | $294,484,250 | 1,497 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0935% | 2,919 |
| Cost of funding earning assets | 0.4278% | 2,954 |
| Net interest margin | 3.6657% | 2,855 |
| Noninterest income to average assets | 0.4337% | 3,828 |
| Noninterest expense to average assets | 2.9559% | 2,689 |
| Loan and lease loss provision to assets | 0.1119% | 1,968 |
| Net operating income to assets | 0.5471% | 4,568 |
| Return on assets (ROA) | 0.5855% | 4,508 |
| Pretax return on assets | 0.8402% | 4,162 |
| Return on Equity (ROE) | 5.9302% | 4,162 |
| Retained earnings to average equity (ytd only) | 2.1368% | 4,639 |
| Net charge-offs to loans | 0.0264% | 3,150 |
| Credit loss provision to net charge-offs | 552.6316% | 588 |
| Earnings coverage of net charge-offs (x) | 44.3158% | 1,049 |
| Efficiency ratio | 76.7146% | 2,244 |
| Assets per employee ($millions) | 5.0149% | 2,258 |
| Cash dividends to net income (ytd only)* | 63.9672% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 4,840 |
| Loan loss allowance to noncurrent loans | 65.4967% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 1.3303% | 1,889 |
| Noncurrent loans to loans | 1.5363% | 1,724 |
| Net loans and leases to total assets | 75.5920% | 1,422 |
| Net loans and leases to deposits | 84.5086% | 2,250 |
| Net loans and leases to core deposits | 86.7974% | 2,676 |
| Total domestic deposits to total assets | 89.4489% | 922 |
| Equity capital to assets | 9.5831% | 4,557 |
| Core capital (leverage) ratio | 9.8744% | 3,770 |
| Tier 1 risk-based capital ratio | 12.4627% | 4,837 |
| Total risk-based capital ratio | 13.5669% | 4,828 |
| Memoranda: | ||
| Average total assets | $375,387,000 | 1,770 |
| Average earning assets | $350,167,670 | 1,744 |
| Average equity | $37,064,670 | 1,948 |
| Average total loans | $288,234,000 | 1,526 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0638% | 2,978 |
| Cost of funding earning assets | 0.4186% | 3,091 |
| Net interest margin | 3.6451% | 2,831 |
| Noninterest income to average assets | 0.4249% | 3,806 |
| Noninterest expense to average assets | 2.7729% | 3,332 |
| Loan and lease loss provision to assets | 0.1730% | 1,136 |
| Net operating income to assets | 0.6073% | 4,256 |
| Return on assets (ROA) | 0.6476% | 4,180 |
| Pretax return on assets | 0.9448% | 3,719 |
| Return on Equity (ROE) | 6.4592% | 3,793 |
| Retained earnings to average equity (ytd only) | 2.6743% | 4,346 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3554% | 3,111 |
| Assets per employee ($millions) | 4.7660% | 2,667 |
| Cash dividends to net income (ytd only)* | 58.5977% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0316% | 4,858 |
| Loan loss allowance to noncurrent loans | 58.6310% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 1.5388% | 1,683 |
| Noncurrent loans to loans | 1.7594% | 1,548 |
| Net loans and leases to total assets | 77.2526% | 1,023 |
| Net loans and leases to deposits | 87.0538% | 1,716 |
| Net loans and leases to core deposits | 88.5227% | 2,271 |
| Total domestic deposits to total assets | 88.7413% | 1,430 |
| Equity capital to assets | 10.1458% | 3,950 |
| Core capital (leverage) ratio | 9.9271% | 3,702 |
| Tier 1 risk-based capital ratio | 12.6271% | 4,823 |
| Total risk-based capital ratio | 13.7167% | 4,842 |
| Memoranda: | ||
| Average total assets | $370,006,500 | 1,802 |
| Average earning assets | $345,887,000 | 1,779 |
| Average equity | $37,094,500 | 1,963 |
| Average total loans | $284,919,000 | 1,540 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9900% | 3,763 |
| Cost of funding earning assets | 0.4169% | 3,513 |
| Net interest margin | 3.5730% | 3,506 |
| Noninterest income to average assets | 0.5226% | 3,342 |
| Noninterest expense to average assets | 2.7372% | 3,725 |
| Loan and lease loss provision to assets | 0.1757% | 1,469 |
| Net operating income to assets | 0.6686% | 4,046 |
| Return on assets (ROA) | 0.6706% | 4,141 |
| Pretax return on assets | 0.9498% | 3,689 |
| Return on Equity (ROE) | 6.8876% | 3,697 |
| Retained earnings to average equity (ytd only) | 3.3993% | 3,792 |
| Net charge-offs to loans | 0.2356% | 1,794 |
| Credit loss provision to net charge-offs | 103.4596% | 2,314 |
| Earnings coverage of net charge-offs (x) | 6.6112% | 3,167 |
| Efficiency ratio | 70.9140% | 3,385 |
| Assets per employee ($millions) | 5.0410% | 2,267 |
| Cash dividends to net income (ytd only)* | 50.6466% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9863% | 5,131 |
| Loan loss allowance to noncurrent loans | 57.4866% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 1.4661% | 1,876 |
| Noncurrent loans to loans | 1.7157% | 1,698 |
| Net loans and leases to total assets | 75.2175% | 1,379 |
| Net loans and leases to deposits | 88.2008% | 1,711 |
| Net loans and leases to core deposits | 89.6599% | 2,315 |
| Total domestic deposits to total assets | 85.2799% | 3,175 |
| Equity capital to assets | 9.9069% | 4,226 |
| Core capital (leverage) ratio | 9.9649% | 3,625 |
| Tier 1 risk-based capital ratio | 14.3445% | 3,869 |
| Total risk-based capital ratio | 15.5441% | 3,830 |
| Memoranda: | ||
| Average total assets | $357,440,200 | 1,826 |
| Average earning assets | $333,861,200 | 1,798 |
| Average equity | $34,801,600 | 2,008 |
| Average total loans | $257,654,400 | 1,647 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9466% | 3,987 |
| Cost of funding earning assets | 0.4124% | 3,654 |
| Net interest margin | 3.5342% | 3,699 |
| Noninterest income to average assets | 0.5329% | 3,307 |
| Noninterest expense to average assets | 2.6780% | 3,905 |
| Loan and lease loss provision to assets | 0.1697% | 1,455 |
| Net operating income to assets | 0.6709% | 4,102 |
| Return on assets (ROA) | 0.6709% | 4,190 |
| Pretax return on assets | 0.9851% | 3,650 |
| Return on Equity (ROE) | 6.9227% | 3,743 |
| Retained earnings to average equity (ytd only) | 3.5645% | 4,109 |
| Net charge-offs to loans | 0.3179% | 1,251 |
| Credit loss provision to net charge-offs | 75.1252% | 2,683 |
| Earnings coverage of net charge-offs (x) | 5.1118% | 3,321 |
| Efficiency ratio | 69.8711% | 3,532 |
| Assets per employee ($millions) | 5.2421% | 1,968 |
| Cash dividends to net income (ytd only)* | 48.5105% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 5,279 |
| Loan loss allowance to noncurrent loans | 56.1738% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 1.4186% | 2,178 |
| Noncurrent loans to loans | 1.7513% | 1,851 |
| Net loans and leases to total assets | 70.9876% | 2,028 |
| Net loans and leases to deposits | 79.6385% | 2,752 |
| Net loans and leases to core deposits | 81.0374% | 3,196 |
| Total domestic deposits to total assets | 89.1372% | 1,158 |
| Equity capital to assets | 9.8512% | 4,356 |
| Core capital (leverage) ratio | 10.0203% | 3,652 |
| Tier 1 risk-based capital ratio | 14.9424% | 3,622 |
| Total risk-based capital ratio | 16.1322% | 3,596 |
| Memoranda: | ||
| Average total assets | $353,541,750 | 1,859 |
| Average earning assets | $330,098,000 | 1,830 |
| Average equity | $34,263,000 | 2,041 |
| Average total loans | $251,222,500 | 1,692 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9139% | 4,082 |
| Cost of funding earning assets | 0.4114% | 3,755 |
| Net interest margin | 3.5025% | 3,782 |
| Noninterest income to average assets | 0.5856% | 2,892 |
| Noninterest expense to average assets | 2.7248% | 3,777 |
| Loan and lease loss provision to assets | 0.1595% | 1,559 |
| Net operating income to assets | 0.6662% | 4,013 |
| Return on assets (ROA) | 0.6662% | 4,112 |
| Pretax return on assets | 0.9812% | 3,551 |
| Return on Equity (ROE) | 6.9152% | 3,667 |
| Retained earnings to average equity (ytd only) | 3.8132% | 3,753 |
| Net charge-offs to loans | 0.0211% | 3,788 |
| Credit loss provision to net charge-offs | 1,065.3846% | 311 |
| Earnings coverage of net charge-offs (x) | 76.1923% | 694 |
| Efficiency ratio | 70.4901% | 3,576 |
| Assets per employee ($millions) | 5.2150% | 1,953 |
| Cash dividends to net income (ytd only)* | 44.8574% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 4,370 |
| Loan loss allowance to noncurrent loans | 55.9563% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 1.6710% | 1,941 |
| Noncurrent loans to loans | 2.1648% | 1,528 |
| Net loans and leases to total assets | 68.5599% | 2,317 |
| Net loans and leases to deposits | 77.0546% | 2,924 |
| Net loans and leases to core deposits | 78.7478% | 3,346 |
| Total domestic deposits to total assets | 88.9757% | 1,369 |
| Equity capital to assets | 10.1266% | 3,938 |
| Core capital (leverage) ratio | 10.0869% | 3,489 |
| Tier 1 risk-based capital ratio | 15.7979% | 3,193 |
| Total risk-based capital ratio | 17.0502% | 3,128 |
| Memoranda: | ||
| Average total assets | $347,326,000 | 1,882 |
| Average earning assets | $325,253,000 | 1,849 |
| Average equity | $33,462,330 | 2,071 |
| Average total loans | $246,019,000 | 1,719 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0311% | 3,562 |
| Cost of funding earning assets | 0.4056% | 3,898 |
| Net interest margin | 3.6255% | 3,158 |
| Noninterest income to average assets | 0.7342% | 2,018 |
| Noninterest expense to average assets | 2.7232% | 3,859 |
| Loan and lease loss provision to assets | 0.1255% | 1,930 |
| Net operating income to assets | 0.8162% | 3,070 |
| Return on assets (ROA) | 0.8162% | 3,143 |
| Pretax return on assets | 1.2818% | 2,165 |
| Return on Equity (ROE) | 8.7071% | 2,598 |
| Retained earnings to average equity (ytd only) | 5.4544% | 2,811 |
| Net charge-offs to loans | -0.0016% | 4,687 |
| Credit loss provision to net charge-offs | -10,700.0000% | 5,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9284% | 4,542 |
| Assets per employee ($millions) | 5.0329% | 2,212 |
| Cash dividends to net income (ytd only)* | 37.3563% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 4,694 |
| Loan loss allowance to noncurrent loans | 53.1636% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 1.5387% | 2,299 |
| Noncurrent loans to loans | 2.2336% | 1,619 |
| Net loans and leases to total assets | 68.0725% | 2,211 |
| Net loans and leases to deposits | 75.6014% | 2,858 |
| Net loans and leases to core deposits | 76.8416% | 3,324 |
| Total domestic deposits to total assets | 90.0413% | 1,054 |
| Equity capital to assets | 9.1404% | 4,953 |
| Core capital (leverage) ratio | 9.2520% | 4,643 |
| Tier 1 risk-based capital ratio | 14.4083% | 4,059 |
| Total risk-based capital ratio | 15.6600% | 4,019 |
| Memoranda: | ||
| Average total assets | $341,072,000 | 1,926 |
| Average earning assets | $319,516,000 | 1,890 |
| Average equity | $31,974,000 | 2,157 |
| Average total loans | $244,165,000 | 1,727 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1209% | 3,659 |
| Cost of funding earning assets | 0.4273% | 4,349 |
| Net interest margin | 3.6936% | 3,083 |
| Noninterest income to average assets | 0.5367% | 3,506 |
| Noninterest expense to average assets | 2.6519% | 4,272 |
| Loan and lease loss provision to assets | 0.1845% | 1,994 |
| Net operating income to assets | 0.8004% | 3,291 |
| Return on assets (ROA) | 0.8017% | 3,384 |
| Pretax return on assets | 1.1499% | 2,771 |
| Return on Equity (ROE) | 8.2634% | 2,899 |
| Retained earnings to average equity (ytd only) | 5.0137% | 2,583 |
| Net charge-offs to loans | 0.0499% | 4,527 |
| Credit loss provision to net charge-offs | 516.5217% | 455 |
| Earnings coverage of net charge-offs (x) | 37.3043% | 1,004 |
| Efficiency ratio | 66.5575% | 4,461 |
| Assets per employee ($millions) | 4.8506% | 2,373 |
| Cash dividends to net income (ytd only)* | 39.3258% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 5,003 |
| Loan loss allowance to noncurrent loans | 156.6347% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.5369% | 4,621 |
| Noncurrent loans to loans | 0.7210% | 4,164 |
| Net loans and leases to total assets | 73.6272% | 1,416 |
| Net loans and leases to deposits | 82.2291% | 2,158 |
| Net loans and leases to core deposits | 83.7958% | 2,699 |
| Total domestic deposits to total assets | 89.5392% | 1,309 |
| Equity capital to assets | 9.6247% | 4,250 |
| Core capital (leverage) ratio | 9.2664% | 4,608 |
| Tier 1 risk-based capital ratio | 13.8922% | 4,369 |
| Total risk-based capital ratio | 15.1365% | 4,314 |
| Memoranda: | ||
| Average total assets | $321,952,400 | 1,999 |
| Average earning assets | $300,519,000 | 1,976 |
| Average equity | $31,234,200 | 2,174 |
| Average total loans | $230,410,000 | 1,782 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0675% | 3,872 |
| Cost of funding earning assets | 0.4252% | 4,553 |
| Net interest margin | 3.6423% | 3,269 |
| Noninterest income to average assets | 0.5429% | 3,501 |
| Noninterest expense to average assets | 2.5609% | 4,511 |
| Loan and lease loss provision to assets | 0.1183% | 2,820 |
| Net operating income to assets | 0.8554% | 3,073 |
| Return on assets (ROA) | 0.8571% | 3,173 |
| Pretax return on assets | 1.2638% | 2,466 |
| Return on Equity (ROE) | 8.8169% | 2,733 |
| Retained earnings to average equity (ytd only) | 5.5764% | 2,677 |
| Net charge-offs to loans | 0.0088% | 4,976 |
| Credit loss provision to net charge-offs | 1,893.3333% | 173 |
| Earnings coverage of net charge-offs (x) | 220.7280% | 263 |
| Efficiency ratio | 64.9889% | 4,651 |
| Assets per employee ($millions) | 5.0765% | 2,081 |
| Cash dividends to net income (ytd only)* | 36.7524% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 5,510 |
| Loan loss allowance to noncurrent loans | 156.1510% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4901% | 4,967 |
| Noncurrent loans to loans | 0.6752% | 4,514 |
| Net loans and leases to total assets | 71.8205% | 1,623 |
| Net loans and leases to deposits | 83.3223% | 1,960 |
| Net loans and leases to core deposits | 84.9405% | 2,549 |
| Total domestic deposits to total assets | 86.1960% | 3,140 |
| Equity capital to assets | 9.4150% | 4,652 |
| Core capital (leverage) ratio | 9.4510% | 4,476 |
| Tier 1 risk-based capital ratio | 13.8239% | 4,556 |
| Total risk-based capital ratio | 15.0689% | 4,512 |
| Memoranda: | ||
| Average total assets | $319,980,500 | 2,020 |
| Average earning assets | $298,488,500 | 1,994 |
| Average equity | $31,106,250 | 2,203 |
| Average total loans | $226,606,000 | 1,812 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0572% | 3,893 |
| Cost of funding earning assets | 0.4271% | 4,685 |
| Net interest margin | 3.6301% | 3,247 |
| Noninterest income to average assets | 0.5086% | 3,774 |
| Noninterest expense to average assets | 2.6778% | 4,117 |
| Loan and lease loss provision to assets | 0.0794% | 3,472 |
| Net operating income to assets | 0.7772% | 3,421 |
| Return on assets (ROA) | 0.7798% | 3,570 |
| Pretax return on assets | 1.1449% | 2,907 |
| Return on Equity (ROE) | 7.9328% | 3,134 |
| Retained earnings to average equity (ytd only) | 4.6770% | 3,277 |
| Net charge-offs to loans | 0.0154% | 4,530 |
| Credit loss provision to net charge-offs | 735.2941% | 410 |
| Earnings coverage of net charge-offs (x) | 113.0588% | 423 |
| Efficiency ratio | 68.6920% | 4,061 |
| Assets per employee ($millions) | 4.7700% | 2,424 |
| Cash dividends to net income (ytd only)* | 41.0423% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0478% | 5,641 |
| Loan loss allowance to noncurrent loans | 424.5583% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 5,968 |
| Noncurrent loans to loans | 0.2468% | 5,688 |
| Net loans and leases to total assets | 71.0095% | 1,718 |
| Net loans and leases to deposits | 80.7448% | 2,218 |
| Net loans and leases to core deposits | 82.2743% | 2,773 |
| Total domestic deposits to total assets | 87.9432% | 2,286 |
| Equity capital to assets | 9.7156% | 4,285 |
| Core capital (leverage) ratio | 9.6947% | 3,941 |
| Tier 1 risk-based capital ratio | 14.2039% | 4,286 |
| Total risk-based capital ratio | 15.4314% | 4,262 |
| Memoranda: | ||
| Average total assets | $314,957,670 | 2,058 |
| Average earning assets | $294,093,000 | 2,016 |
| Average equity | $30,960,000 | 2,224 |
| Average total loans | $221,075,330 | 1,849 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0543% | 3,906 |
| Cost of funding earning assets | 0.4362% | 4,740 |
| Net interest margin | 3.6182% | 3,190 |
| Noninterest income to average assets | 0.4465% | 4,136 |
| Noninterest expense to average assets | 2.6305% | 4,308 |
| Loan and lease loss provision to assets | 0.0205% | 4,213 |
| Net operating income to assets | 0.7813% | 3,270 |
| Return on assets (ROA) | 0.7856% | 3,371 |
| Pretax return on assets | 1.1771% | 2,658 |
| Return on Equity (ROE) | 7.9444% | 3,008 |
| Retained earnings to average equity (ytd only) | 4.6838% | 3,428 |
| Net charge-offs to loans | 0.0424% | 3,437 |
| Credit loss provision to net charge-offs | 69.5652% | 2,302 |
| Earnings coverage of net charge-offs (x) | 40.4783% | 784 |
| Efficiency ratio | 68.8316% | 4,171 |
| Assets per employee ($millions) | 4.8743% | 2,385 |
| Cash dividends to net income (ytd only)* | 41.0423% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 5,796 |
| Loan loss allowance to noncurrent loans | 380.0664% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 5,992 |
| Noncurrent loans to loans | 0.2763% | 5,710 |
| Net loans and leases to total assets | 69.1138% | 1,821 |
| Net loans and leases to deposits | 77.5205% | 2,417 |
| Net loans and leases to core deposits | 80.4192% | 2,756 |
| Total domestic deposits to total assets | 89.1555% | 1,594 |
| Equity capital to assets | 9.9550% | 4,202 |
| Core capital (leverage) ratio | 9.5586% | 3,987 |
| Tier 1 risk-based capital ratio | 14.6208% | 4,091 |
| Total risk-based capital ratio | 15.8406% | 4,076 |
| Memoranda: | ||
| Average total assets | $312,642,500 | 2,098 |
| Average earning assets | $291,640,000 | 2,068 |
| Average equity | $30,915,000 | 2,247 |
| Average total loans | $216,942,500 | 1,894 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2535% | 4,392 |
| Cost of funding earning assets | 0.5682% | 4,658 |
| Net interest margin | 3.6854% | 3,710 |
| Noninterest income to average assets | 0.6293% | 3,116 |
| Noninterest expense to average assets | 2.7922% | 4,049 |
| Loan and lease loss provision to assets | 0.0926% | 4,517 |
| Net operating income to assets | 0.8203% | 3,186 |
| Return on assets (ROA) | 0.8203% | 3,437 |
| Pretax return on assets | 1.1975% | 2,815 |
| Return on Equity (ROE) | 8.1755% | 3,013 |
| Retained earnings to average equity (ytd only) | 4.9426% | 2,741 |
| Net charge-offs to loans | 0.0005% | 5,982 |
| Credit loss provision to net charge-offs | 27,700.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 3,858.0000% | 4 |
| Efficiency ratio | 68.3978% | 4,070 |
| Assets per employee ($millions) | 4.8205% | 2,463 |
| Cash dividends to net income (ytd only)* | 39.5434% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 5,708 |
| Loan loss allowance to noncurrent loans | 206.0144% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 5,624 |
| Noncurrent loans to loans | 0.5158% | 5,243 |
| Net loans and leases to total assets | 68.2022% | 2,152 |
| Net loans and leases to deposits | 76.4018% | 2,732 |
| Net loans and leases to core deposits | 79.4018% | 3,090 |
| Total domestic deposits to total assets | 89.2679% | 1,396 |
| Equity capital to assets | 9.8219% | 4,420 |
| Core capital (leverage) ratio | 9.3654% | 4,309 |
| Tier 1 risk-based capital ratio | 14.4911% | 4,039 |
| Total risk-based capital ratio | 15.7129% | 4,011 |
| Memoranda: | ||
| Average total assets | $299,044,600 | 2,146 |
| Average earning assets | $280,190,400 | 2,100 |
| Average equity | $30,004,200 | 2,249 |
| Average total loans | $205,470,800 | 1,961 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2513% | 4,643 |
| Cost of funding earning assets | 0.5871% | 4,775 |
| Net interest margin | 3.6643% | 3,948 |
| Noninterest income to average assets | 0.6313% | 3,101 |
| Noninterest expense to average assets | 2.7120% | 4,312 |
| Loan and lease loss provision to assets | 0.1083% | 4,216 |
| Net operating income to assets | 0.8461% | 3,230 |
| Return on assets (ROA) | 0.8461% | 3,480 |
| Pretax return on assets | 1.2472% | 2,798 |
| Return on Equity (ROE) | 8.3858% | 3,090 |
| Retained earnings to average equity (ytd only) | 5.1746% | 3,239 |
| Net charge-offs to loans | -0.0020% | 6,204 |
| Credit loss provision to net charge-offs | -8,000.0000% | 6,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6741% | 4,317 |
| Assets per employee ($millions) | 4.7951% | 2,455 |
| Cash dividends to net income (ytd only)* | 38.2933% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 5,819 |
| Loan loss allowance to noncurrent loans | 165.1095% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4329% | 5,594 |
| Noncurrent loans to loans | 0.6500% | 5,147 |
| Net loans and leases to total assets | 65.8796% | 2,675 |
| Net loans and leases to deposits | 73.7766% | 3,320 |
| Net loans and leases to core deposits | 75.1190% | 3,833 |
| Total domestic deposits to total assets | 89.2960% | 1,243 |
| Equity capital to assets | 9.6496% | 4,995 |
| Core capital (leverage) ratio | 9.4791% | 4,300 |
| Tier 1 risk-based capital ratio | 14.9817% | 3,863 |
| Total risk-based capital ratio | 16.2316% | 3,810 |
| Memoranda: | ||
| Average total assets | $295,473,250 | 2,187 |
| Average earning assets | $277,084,750 | 2,139 |
| Average equity | $29,811,500 | 2,280 |
| Average total loans | $202,840,250 | 2,006 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3319% | 4,443 |
| Cost of funding earning assets | 0.6006% | 4,899 |
| Net interest margin | 3.7314% | 3,679 |
| Noninterest income to average assets | 0.5276% | 3,738 |
| Noninterest expense to average assets | 2.8259% | 3,919 |
| Loan and lease loss provision to assets | 0.0978% | 4,317 |
| Net operating income to assets | 0.7557% | 3,573 |
| Return on assets (ROA) | 0.7557% | 3,850 |
| Pretax return on assets | 1.1017% | 3,295 |
| Return on Equity (ROE) | 7.3726% | 3,579 |
| Retained earnings to average equity (ytd only) | 4.1395% | 3,856 |
| Net charge-offs to loans | -0.0030% | 6,121 |
| Credit loss provision to net charge-offs | -4,700.0000% | 6,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2032% | 3,734 |
| Assets per employee ($millions) | 4.9719% | 2,212 |
| Cash dividends to net income (ytd only)* | 43.8532% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 5,941 |
| Loan loss allowance to noncurrent loans | 147.7459% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.4749% | 5,581 |
| Noncurrent loans to loans | 0.7131% | 5,077 |
| Net loans and leases to total assets | 65.9000% | 2,687 |
| Net loans and leases to deposits | 73.6231% | 3,353 |
| Net loans and leases to core deposits | 75.3163% | 3,838 |
| Total domestic deposits to total assets | 89.5100% | 1,213 |
| Equity capital to assets | 9.7170% | 4,737 |
| Core capital (leverage) ratio | 9.6152% | 3,972 |
| Tier 1 risk-based capital ratio | 14.9154% | 3,823 |
| Total risk-based capital ratio | 16.1404% | 3,792 |
| Memoranda: | ||
| Average total assets | $288,471,330 | 2,247 |
| Average earning assets | $270,410,670 | 2,188 |
| Average equity | $29,569,000 | 2,287 |
| Average total loans | $200,201,330 | 2,022 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4854% | 3,985 |
| Cost of funding earning assets | 0.6066% | 5,078 |
| Net interest margin | 3.8789% | 3,014 |
| Noninterest income to average assets | 0.4968% | 3,929 |
| Noninterest expense to average assets | 2.7884% | 4,082 |
| Loan and lease loss provision to assets | 0.1867% | 3,096 |
| Net operating income to assets | 0.7768% | 3,496 |
| Return on assets (ROA) | 0.7768% | 3,735 |
| Pretax return on assets | 1.1487% | 3,118 |
| Return on Equity (ROE) | 7.3663% | 3,575 |
| Retained earnings to average equity (ytd only) | 4.0984% | 4,135 |
| Net charge-offs to loans | -0.0020% | 5,723 |
| Credit loss provision to net charge-offs | -13,000.0000% | 6,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6184% | 4,248 |
| Assets per employee ($millions) | 4.7469% | 2,597 |
| Cash dividends to net income (ytd only)* | 44.3623% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 6,014 |
| Loan loss allowance to noncurrent loans | 142.6676% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.5121% | 5,580 |
| Noncurrent loans to loans | 0.7491% | 5,164 |
| Net loans and leases to total assets | 67.6279% | 2,184 |
| Net loans and leases to deposits | 75.9164% | 2,806 |
| Net loans and leases to core deposits | 79.0406% | 3,177 |
| Total domestic deposits to total assets | 89.0821% | 1,651 |
| Equity capital to assets | 10.0120% | 4,112 |
| Core capital (leverage) ratio | 10.0813% | 3,268 |
| Tier 1 risk-based capital ratio | 15.1860% | 3,632 |
| Total risk-based capital ratio | 16.4210% | 3,601 |
| Memoranda: | ||
| Average total assets | $278,579,500 | 2,323 |
| Average earning assets | $260,489,500 | 2,274 |
| Average equity | $29,377,000 | 2,304 |
| Average total loans | $197,650,500 | 2,054 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6638% | 4,405 |
| Cost of funding earning assets | 0.6682% | 5,722 |
| Net interest margin | 3.9956% | 2,904 |
| Noninterest income to average assets | 0.6356% | 2,973 |
| Noninterest expense to average assets | 2.9987% | 3,595 |
| Loan and lease loss provision to assets | 0.1854% | 4,337 |
| Net operating income to assets | 0.8582% | 2,778 |
| Return on assets (ROA) | 0.8890% | 2,780 |
| Pretax return on assets | 1.2122% | 2,411 |
| Return on Equity (ROE) | 9.3041% | 2,326 |
| Retained earnings to average equity (ytd only) | 5.7206% | 2,163 |
| Net charge-offs to loans | -0.0033% | 6,819 |
| Credit loss provision to net charge-offs | -7,916.6667% | 6,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8694% | 4,177 |
| Assets per employee ($millions) | 4.1723% | 3,507 |
| Cash dividends to net income (ytd only)* | 38.5156% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0401% | 6,034 |
| Loan loss allowance to noncurrent loans | 134.0637% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.5729% | 5,541 |
| Noncurrent loans to loans | 0.7758% | 5,136 |
| Net loans and leases to total assets | 73.0823% | 1,440 |
| Net loans and leases to deposits | 83.1612% | 2,044 |
| Net loans and leases to core deposits | 87.3805% | 2,450 |
| Total domestic deposits to total assets | 87.8803% | 2,232 |
| Equity capital to assets | 11.1423% | 2,852 |
| Core capital (leverage) ratio | 10.7741% | 2,454 |
| Tier 1 risk-based capital ratio | 15.7569% | 3,182 |
| Total risk-based capital ratio | 16.9844% | 3,158 |
| Memoranda: | ||
| Average total assets | $256,141,200 | 2,459 |
| Average earning assets | $238,389,400 | 2,419 |
| Average equity | $24,473,000 | 2,624 |
| Average total loans | $180,312,800 | 2,241 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6235% | 4,775 |
| Cost of funding earning assets | 0.6827% | 5,864 |
| Net interest margin | 3.9408% | 3,186 |
| Noninterest income to average assets | 0.6581% | 2,835 |
| Noninterest expense to average assets | 2.8624% | 4,092 |
| Loan and lease loss provision to assets | 0.1813% | 4,218 |
| Net operating income to assets | 0.9206% | 2,670 |
| Return on assets (ROA) | 0.9610% | 2,645 |
| Pretax return on assets | 1.3393% | 2,153 |
| Return on Equity (ROE) | 10.5086% | 2,028 |
| Retained earnings to average equity (ytd only) | 6.8529% | 2,049 |
| Net charge-offs to loans | -0.0241% | 6,943 |
| Credit loss provision to net charge-offs | -1,081.2500% | 6,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1540% | 4,690 |
| Assets per employee ($millions) | 4.1200% | 3,601 |
| Cash dividends to net income (ytd only)* | 34.7876% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 6,187 |
| Loan loss allowance to noncurrent loans | 107.6404% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.6858% | 5,427 |
| Noncurrent loans to loans | 0.9441% | 4,994 |
| Net loans and leases to total assets | 71.8993% | 1,732 |
| Net loans and leases to deposits | 82.1077% | 2,337 |
| Net loans and leases to core deposits | 84.2898% | 3,019 |
| Total domestic deposits to total assets | 87.5670% | 2,312 |
| Equity capital to assets | 11.2159% | 2,951 |
| Core capital (leverage) ratio | 10.9968% | 2,393 |
| Tier 1 risk-based capital ratio | 16.1896% | 3,019 |
| Total risk-based capital ratio | 17.3997% | 3,004 |
| Memoranda: | ||
| Average total assets | $254,463,250 | 2,488 |
| Average earning assets | $236,897,750 | 2,437 |
| Average equity | $23,269,250 | 2,756 |
| Average total loans | $176,861,500 | 2,308 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5813% | 5,045 |
| Cost of funding earning assets | 0.6960% | 5,990 |
| Net interest margin | 3.8853% | 3,380 |
| Noninterest income to average assets | 0.6947% | 2,578 |
| Noninterest expense to average assets | 2.7789% | 4,511 |
| Loan and lease loss provision to assets | 0.1962% | 3,968 |
| Net operating income to assets | 0.9873% | 2,277 |
| Return on assets (ROA) | 1.0500% | 2,135 |
| Pretax return on assets | 1.4219% | 1,748 |
| Return on Equity (ROE) | 12.4474% | 1,358 |
| Retained earnings to average equity (ytd only) | 8.5734% | 1,243 |
| Net charge-offs to loans | -0.0081% | 6,645 |
| Credit loss provision to net charge-offs | -3,542.8571% | 6,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4404% | 5,156 |
| Assets per employee ($millions) | 4.3820% | 3,027 |
| Cash dividends to net income (ytd only)* | 31.1228% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 6,407 |
| Loan loss allowance to noncurrent loans | 75.1152% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 0.9683% | 4,928 |
| Noncurrent loans to loans | 1.3082% | 4,459 |
| Net loans and leases to total assets | 71.0845% | 1,983 |
| Net loans and leases to deposits | 81.2290% | 2,571 |
| Net loans and leases to core deposits | 83.9363% | 3,222 |
| Total domestic deposits to total assets | 87.5113% | 2,464 |
| Equity capital to assets | 8.7961% | 5,818 |
| Core capital (leverage) ratio | 8.2246% | 5,990 |
| Tier 1 risk-based capital ratio | 12.7529% | 5,125 |
| Total risk-based capital ratio | 13.9107% | 5,181 |
| Memoranda: | ||
| Average total assets | $252,764,670 | 2,515 |
| Average earning assets | $235,345,670 | 2,469 |
| Average equity | $21,321,670 | 2,958 |
| Average total loans | $172,969,670 | 2,374 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4795% | 5,401 |
| Cost of funding earning assets | 0.7028% | 6,117 |
| Net interest margin | 3.7767% | 3,727 |
| Noninterest income to average assets | 0.4618% | 4,173 |
| Noninterest expense to average assets | 2.8056% | 4,413 |
| Loan and lease loss provision to assets | 0.2253% | 3,406 |
| Net operating income to assets | 0.6824% | 3,599 |
| Return on assets (ROA) | 0.6824% | 3,667 |
| Pretax return on assets | 0.9442% | 3,341 |
| Return on Equity (ROE) | 8.2674% | 2,790 |
| Retained earnings to average equity (ytd only) | 4.6336% | 3,406 |
| Net charge-offs to loans | -0.0048% | 6,233 |
| Credit loss provision to net charge-offs | -7,100.0000% | 6,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5788% | 4,145 |
| Assets per employee ($millions) | 4.3403% | 3,156 |
| Cash dividends to net income (ytd only)* | 43.9535% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9645% | 6,504 |
| Loan loss allowance to noncurrent loans | 70.6723% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 0.9583% | 4,983 |
| Noncurrent loans to loans | 1.3647% | 4,429 |
| Net loans and leases to total assets | 67.4464% | 2,670 |
| Net loans and leases to deposits | 75.3327% | 3,532 |
| Net loans and leases to core deposits | 77.6712% | 4,065 |
| Total domestic deposits to total assets | 89.5314% | 1,465 |
| Equity capital to assets | 8.1561% | 6,333 |
| Core capital (leverage) ratio | 7.9272% | 6,330 |
| Tier 1 risk-based capital ratio | 12.5026% | 5,263 |
| Total risk-based capital ratio | 13.6232% | 5,362 |
| Memoranda: | ||
| Average total assets | $252,068,000 | 2,550 |
| Average earning assets | $234,491,500 | 2,503 |
| Average equity | $20,804,500 | 3,010 |
| Average total loans | $168,224,500 | 2,459 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5369% | 6,293 |
| Cost of funding earning assets | 0.7304% | 6,792 |
| Net interest margin | 3.8065% | 3,912 |
| Noninterest income to average assets | 0.5057% | 4,126 |
| Noninterest expense to average assets | 3.1413% | 3,308 |
| Loan and lease loss provision to assets | 0.1187% | 5,971 |
| Net operating income to assets | 0.6161% | 3,603 |
| Return on assets (ROA) | 0.6161% | 3,770 |
| Pretax return on assets | 0.7596% | 3,760 |
| Return on Equity (ROE) | 7.3659% | 2,943 |
| Retained earnings to average equity (ytd only) | 3.6411% | 3,315 |
| Net charge-offs to loans | 0.0221% | 6,591 |
| Credit loss provision to net charge-offs | 872.7273% | 248 |
| Earnings coverage of net charge-offs (x) | 64.5758% | 368 |
| Efficiency ratio | 78.1503% | 2,684 |
| Assets per employee ($millions) | 4.4296% | 2,973 |
| Cash dividends to net income (ytd only)* | 50.5686% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9491% | 6,579 |
| Loan loss allowance to noncurrent loans | 101.2508% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.6422% | 5,715 |
| Noncurrent loans to loans | 0.9374% | 5,171 |
| Net loans and leases to total assets | 64.7081% | 3,726 |
| Net loans and leases to deposits | 71.8587% | 4,546 |
| Net loans and leases to core deposits | 73.9569% | 4,982 |
| Total domestic deposits to total assets | 90.0491% | 1,071 |
| Equity capital to assets | 8.3541% | 6,068 |
| Core capital (leverage) ratio | 8.1121% | 5,991 |
| Tier 1 risk-based capital ratio | 12.8736% | 4,706 |
| Total risk-based capital ratio | 13.9523% | 4,836 |
| Memoranda: | ||
| Average total assets | $242,641,000 | 2,613 |
| Average earning assets | $223,984,000 | 2,583 |
| Average equity | $20,296,200 | 3,106 |
| Average total loans | $149,487,000 | 2,779 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5613% | 6,438 |
| Cost of funding earning assets | 0.7311% | 6,968 |
| Net interest margin | 3.8302% | 3,844 |
| Noninterest income to average assets | 0.5106% | 4,095 |
| Noninterest expense to average assets | 3.2431% | 2,765 |
| Loan and lease loss provision to assets | 0.0823% | 6,220 |
| Net operating income to assets | 0.5642% | 4,037 |
| Return on assets (ROA) | 0.5642% | 4,196 |
| Pretax return on assets | 0.7172% | 4,178 |
| Return on Equity (ROE) | 6.7426% | 3,463 |
| Retained earnings to average equity (ytd only) | 2.9982% | 4,337 |
| Net charge-offs to loans | 0.0237% | 6,344 |
| Credit loss provision to net charge-offs | 573.0769% | 506 |
| Earnings coverage of net charge-offs (x) | 55.6472% | 522 |
| Efficiency ratio | 80.2214% | 2,306 |
| Assets per employee ($millions) | 4.5571% | 2,822 |
| Cash dividends to net income (ytd only)* | 55.5337% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9355% | 6,630 |
| Loan loss allowance to noncurrent loans | 98.3217% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.5705% | 6,010 |
| Noncurrent loans to loans | 0.9515% | 5,331 |
| Net loans and leases to total assets | 59.4011% | 5,021 |
| Net loans and leases to deposits | 65.5247% | 5,715 |
| Net loans and leases to core deposits | 67.6189% | 5,980 |
| Total domestic deposits to total assets | 90.6544% | 571 |
| Equity capital to assets | 8.3541% | 6,446 |
| Core capital (leverage) ratio | 8.2453% | 5,964 |
| Tier 1 risk-based capital ratio | 13.4606% | 4,231 |
| Total risk-based capital ratio | 14.5201% | 4,339 |
| Memoranda: | ||
| Average total assets | $241,287,000 | 2,666 |
| Average earning assets | $222,505,500 | 2,637 |
| Average equity | $20,189,500 | 3,166 |
| Average total loans | $146,346,000 | 2,865 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6183% | 6,407 |
| Cost of funding earning assets | 0.7454% | 7,077 |
| Net interest margin | 3.8729% | 3,570 |
| Noninterest income to average assets | 0.5416% | 3,775 |
| Noninterest expense to average assets | 3.4597% | 2,120 |
| Loan and lease loss provision to assets | 0.0915% | 6,008 |
| Net operating income to assets | 0.4560% | 4,522 |
| Return on assets (ROA) | 0.4560% | 4,682 |
| Pretax return on assets | 0.5593% | 4,701 |
| Return on Equity (ROE) | 5.4464% | 4,074 |
| Retained earnings to average equity (ytd only) | 1.6550% | 5,043 |
| Net charge-offs to loans | 0.0248% | 5,993 |
| Credit loss provision to net charge-offs | 605.5556% | 605 |
| Earnings coverage of net charge-offs (x) | 43.0556% | 685 |
| Efficiency ratio | 84.1675% | 1,901 |
| Assets per employee ($millions) | 4.5197% | 2,845 |
| Cash dividends to net income (ytd only)* | 69.6133% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 6,662 |
| Loan loss allowance to noncurrent loans | 129.5005% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.4429% | 6,340 |
| Noncurrent loans to loans | 0.7186% | 5,820 |
| Net loans and leases to total assets | 61.0600% | 4,867 |
| Net loans and leases to deposits | 67.3725% | 5,630 |
| Net loans and leases to core deposits | 69.6609% | 5,908 |
| Total domestic deposits to total assets | 90.6305% | 629 |
| Equity capital to assets | 8.4670% | 6,203 |
| Core capital (leverage) ratio | 8.2614% | 5,838 |
| Tier 1 risk-based capital ratio | 13.6883% | 3,949 |
| Total risk-based capital ratio | 14.7592% | 4,024 |
| Memoranda: | ||
| Average total assets | $238,168,670 | 2,721 |
| Average earning assets | $219,475,000 | 2,691 |
| Average equity | $19,939,670 | 3,181 |
| Average total loans | $145,031,330 | 2,925 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6737% | 6,334 |
| Cost of funding earning assets | 0.7491% | 7,233 |
| Net interest margin | 3.9246% | 3,226 |
| Noninterest income to average assets | 0.4952% | 4,087 |
| Noninterest expense to average assets | 2.7421% | 4,715 |
| Loan and lease loss provision to assets | 0.1044% | 5,577 |
| Net operating income to assets | 0.9045% | 2,525 |
| Return on assets (ROA) | 0.9045% | 2,594 |
| Pretax return on assets | 1.2666% | 2,149 |
| Return on Equity (ROE) | 10.8658% | 1,821 |
| Retained earnings to average equity (ytd only) | 7.0415% | 2,115 |
| Net charge-offs to loans | 0.0640% | 4,769 |
| Credit loss provision to net charge-offs | 269.5652% | 1,470 |
| Earnings coverage of net charge-offs (x) | 35.3913% | 772 |
| Efficiency ratio | 66.6667% | 4,978 |
| Assets per employee ($millions) | 4.3844% | 3,152 |
| Cash dividends to net income (ytd only)* | 35.1955% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 6,789 |
| Loan loss allowance to noncurrent loans | 197.3134% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 6,771 |
| Noncurrent loans to loans | 0.4649% | 6,369 |
| Net loans and leases to total assets | 60.3080% | 5,068 |
| Net loans and leases to deposits | 66.6626% | 5,748 |
| Net loans and leases to core deposits | 68.8743% | 6,018 |
| Total domestic deposits to total assets | 90.4675% | 752 |
| Equity capital to assets | 8.4500% | 6,071 |
| Core capital (leverage) ratio | 8.2921% | 5,758 |
| Tier 1 risk-based capital ratio | 14.2511% | 3,512 |
| Total risk-based capital ratio | 15.3120% | 3,581 |
| Memoranda: | ||
| Average total assets | $237,481,500 | 2,790 |
| Average earning assets | $218,929,000 | 2,750 |
| Average equity | $19,768,500 | 3,224 |
| Average total loans | $143,727,500 | 3,008 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8796% | 6,759 |
| Cost of funding earning assets | 1.0164% | 7,180 |
| Net interest margin | 3.8632% | 3,421 |
| Noninterest income to average assets | 0.5080% | 4,355 |
| Noninterest expense to average assets | 2.9831% | 4,219 |
| Loan and lease loss provision to assets | 0.0632% | 6,937 |
| Net operating income to assets | 0.7815% | 2,598 |
| Return on assets (ROA) | 0.7815% | 2,690 |
| Pretax return on assets | 1.0151% | 2,542 |
| Return on Equity (ROE) | 9.9933% | 1,693 |
| Retained earnings to average equity (ytd only) | 5.6589% | 1,490 |
| Net charge-offs to loans | -0.0331% | 7,819 |
| Credit loss provision to net charge-offs | -313.3333% | 7,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4489% | 4,007 |
| Assets per employee ($millions) | 4.4944% | 2,934 |
| Cash dividends to net income (ytd only)* | 43.3735% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8950% | 6,834 |
| Loan loss allowance to noncurrent loans | 145.3001% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.3707% | 6,526 |
| Noncurrent loans to loans | 0.6160% | 6,011 |
| Net loans and leases to total assets | 59.6402% | 5,389 |
| Net loans and leases to deposits | 65.7451% | 6,076 |
| Net loans and leases to core deposits | 71.5918% | 6,683 |
| Total domestic deposits to total assets | 90.7143% | 656 |
| Equity capital to assets | 8.1992% | 6,348 |
| Core capital (leverage) ratio | 8.3065% | 5,601 |
| Tier 1 risk-based capital ratio | 14.0399% | 3,476 |
| Total risk-based capital ratio | 15.0915% | 3,546 |
| Memoranda: | ||
| Average total assets | $223,026,600 | 2,904 |
| Average earning assets | $205,141,400 | 2,902 |
| Average equity | $17,441,600 | 3,590 |
| Average total loans | $135,821,200 | 3,158 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9496% | 6,764 |
| Cost of funding earning assets | 1.0843% | 7,206 |
| Net interest margin | 3.8653% | 3,364 |
| Noninterest income to average assets | 0.4890% | 4,593 |
| Noninterest expense to average assets | 3.0463% | 3,853 |
| Loan and lease loss provision to assets | 0.0420% | 6,949 |
| Net operating income to assets | 0.7262% | 3,115 |
| Return on assets (ROA) | 0.7262% | 3,180 |
| Pretax return on assets | 0.9542% | 3,045 |
| Return on Equity (ROE) | 9.4092% | 2,126 |
| Retained earnings to average equity (ytd only) | 4.9410% | 2,521 |
| Net charge-offs to loans | -0.0358% | 7,824 |
| Credit loss provision to net charge-offs | -191.6667% | 7,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3573% | 3,625 |
| Assets per employee ($millions) | 4.3420% | 3,134 |
| Cash dividends to net income (ytd only)* | 47.4874% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8785% | 6,851 |
| Loan loss allowance to noncurrent loans | 120.0799% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.4192% | 6,406 |
| Noncurrent loans to loans | 0.7316% | 5,846 |
| Net loans and leases to total assets | 56.7916% | 6,058 |
| Net loans and leases to deposits | 62.6659% | 6,613 |
| Net loans and leases to core deposits | 68.5600% | 7,041 |
| Total domestic deposits to total assets | 90.6260% | 546 |
| Equity capital to assets | 8.1270% | 6,716 |
| Core capital (leverage) ratio | 8.3409% | 5,766 |
| Tier 1 risk-based capital ratio | 14.6695% | 3,192 |
| Total risk-based capital ratio | 15.7185% | 3,241 |
| Memoranda: | ||
| Average total assets | $219,232,000 | 2,971 |
| Average earning assets | $201,546,500 | 2,963 |
| Average equity | $16,919,250 | 3,719 |
| Average total loans | $133,939,250 | 3,226 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1177% | 6,361 |
| Cost of funding earning assets | 1.1824% | 7,158 |
| Net interest margin | 3.9354% | 2,954 |
| Noninterest income to average assets | 0.4899% | 4,533 |
| Noninterest expense to average assets | 3.0916% | 3,733 |
| Loan and lease loss provision to assets | 0.0169% | 7,055 |
| Net operating income to assets | 0.7494% | 3,048 |
| Return on assets (ROA) | 0.7494% | 3,152 |
| Pretax return on assets | 0.9929% | 3,043 |
| Return on Equity (ROE) | 9.9070% | 2,052 |
| Retained earnings to average equity (ytd only) | 5.2083% | 2,392 |
| Net charge-offs to loans | -0.0572% | 7,867 |
| Credit loss provision to net charge-offs | -47.3684% | 6,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3783% | 3,814 |
| Assets per employee ($millions) | 4.0871% | 3,520 |
| Cash dividends to net income (ytd only)* | 47.4279% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8629% | 6,928 |
| Loan loss allowance to noncurrent loans | 148.7742% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 6,574 |
| Noncurrent loans to loans | 0.5800% | 6,096 |
| Net loans and leases to total assets | 60.0193% | 5,677 |
| Net loans and leases to deposits | 65.5702% | 6,430 |
| Net loans and leases to core deposits | 71.9997% | 6,896 |
| Total domestic deposits to total assets | 91.5344% | 315 |
| Equity capital to assets | 7.3488% | 7,388 |
| Core capital (leverage) ratio | 7.3395% | 7,199 |
| Tier 1 risk-based capital ratio | 12.8431% | 4,251 |
| Total risk-based capital ratio | 13.8836% | 4,332 |
| Memoranda: | ||
| Average total assets | $212,706,000 | 3,077 |
| Average earning assets | $195,204,000 | 3,075 |
| Average equity | $16,089,670 | 3,903 |
| Average total loans | $132,977,000 | 3,286 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2422% | 6,151 |
| Cost of funding earning assets | 1.3241% | 6,949 |
| Net interest margin | 3.9181% | 2,981 |
| Noninterest income to average assets | 0.4868% | 4,443 |
| Noninterest expense to average assets | 3.2371% | 2,835 |
| Loan and lease loss provision to assets | 0.0268% | 6,588 |
| Net operating income to assets | 0.6382% | 3,845 |
| Return on assets (ROA) | 0.6382% | 4,028 |
| Pretax return on assets | 0.8126% | 4,034 |
| Return on Equity (ROE) | 8.3120% | 3,001 |
| Retained earnings to average equity (ytd only) | 3.5944% | 3,896 |
| Net charge-offs to loans | -0.0181% | 7,416 |
| Credit loss provision to net charge-offs | -233.3333% | 6,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4076% | 2,925 |
| Assets per employee ($millions) | 4.1307% | 3,401 |
| Cash dividends to net income (ytd only)* | 56.7568% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8366% | 7,025 |
| Loan loss allowance to noncurrent loans | 256.7816% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.1987% | 6,936 |
| Noncurrent loans to loans | 0.3258% | 6,622 |
| Net loans and leases to total assets | 60.4750% | 5,577 |
| Net loans and leases to deposits | 65.9750% | 6,377 |
| Net loans and leases to core deposits | 72.2213% | 6,905 |
| Total domestic deposits to total assets | 91.6634% | 235 |
| Equity capital to assets | 7.2887% | 7,504 |
| Core capital (leverage) ratio | 7.5150% | 7,147 |
| Tier 1 risk-based capital ratio | 12.6054% | 4,468 |
| Total risk-based capital ratio | 13.6070% | 4,576 |
| Memoranda: | ||
| Average total assets | $208,707,000 | 3,128 |
| Average earning assets | $191,217,500 | 3,136 |
| Average equity | $16,025,000 | 3,940 |
| Average total loans | $132,656,500 | 3,310 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6030% | 7,053 |
| Cost of funding earning assets | 1.8114% | 6,970 |
| Net interest margin | 3.7916% | 4,056 |
| Noninterest income to average assets | 0.5932% | 3,887 |
| Noninterest expense to average assets | 3.0502% | 3,897 |
| Loan and lease loss provision to assets | 0.0603% | 6,655 |
| Net operating income to assets | 0.7274% | 3,765 |
| Return on assets (ROA) | 0.7274% | 3,601 |
| Pretax return on assets | 0.9169% | 3,670 |
| Return on Equity (ROE) | 9.3266% | 2,506 |
| Retained earnings to average equity (ytd only) | 5.1112% | 1,957 |
| Net charge-offs to loans | 0.0858% | 5,524 |
| Credit loss provision to net charge-offs | 112.1495% | 4,806 |
| Earnings coverage of net charge-offs (x) | 18.1682% | 1,721 |
| Efficiency ratio | 75.7364% | 3,279 |
| Assets per employee ($millions) | 3.6757% | 4,223 |
| Cash dividends to net income (ytd only)* | 45.1970% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8323% | 6,967 |
| Loan loss allowance to noncurrent loans | 3,324.2424% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 7,537 |
| Noncurrent loans to loans | 0.0250% | 7,415 |
| Net loans and leases to total assets | 65.8497% | 4,877 |
| Net loans and leases to deposits | 72.5850% | 5,996 |
| Net loans and leases to core deposits | 82.1535% | 6,450 |
| Total domestic deposits to total assets | 90.7208% | 419 |
| Equity capital to assets | 8.1078% | 6,685 |
| Core capital (leverage) ratio | 7.8044% | 6,793 |
| Tier 1 risk-based capital ratio | 12.7308% | 4,267 |
| Total risk-based capital ratio | 13.7368% | 4,349 |
| Memoranda: | ||
| Average total assets | $198,937,200 | 3,155 |
| Average earning assets | $180,187,800 | 3,185 |
| Average equity | $15,514,800 | 4,022 |
| Average total loans | $124,638,800 | 3,359 |