Home > The Nicollet County Bank of Saint Peter > Performance and Condition Ratios
The Nicollet County Bank of Saint Peter, 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 | 1.1011% | 5,292 |
| Cost of funding earning assets | 0.1692% | 5,128 |
| Net interest margin | 0.9319% | 5,286 |
| Noninterest income to average assets | 0.1424% | 4,858 |
| Noninterest expense to average assets | 0.8661% | 5,267 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.1634% | 5,024 |
| Return on assets (ROA) | 0.1634% | 5,034 |
| Pretax return on assets | 0.1634% | 5,039 |
| Return on Equity (ROE) | 1.7568% | 4,972 |
| Retained earnings to average equity (ytd only) | 0.0502% | 4,675 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1270% | 644 |
| Assets per employee ($millions) | 8.3974% | 583 |
| Cash dividends to net income (ytd only)* | 97.1429% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,251 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 3,623 |
| Noncurrent loans to loans | 0.5354% | 2,674 |
| Net loans and leases to total assets | 44.2619% | 4,712 |
| Net loans and leases to deposits | 52.5640% | 4,721 |
| Net loans and leases to core deposits | 53.6029% | 4,790 |
| Total domestic deposits to total assets | 84.2058% | 2,777 |
| Equity capital to assets | 13.0969% | 1,545 |
| Core capital (leverage) ratio | 8.6573% | 4,876 |
| Tier 1 risk-based capital ratio | 17.6398% | 1,899 |
| Total risk-based capital ratio | 17.6398% | 2,217 |
| Memoranda: | ||
| Average total assets | $171,344,670 | 3,145 |
| Average earning assets | $163,108,330 | 3,101 |
| Average equity | $15,938,000 | 3,583 |
| Average total loans | $77,042,330 | 3,715 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3237% | 5,161 |
| Cost of funding earning assets | 0.4663% | 4,218 |
| Net interest margin | 2.8574% | 4,928 |
| Noninterest income to average assets | 0.3860% | 3,286 |
| Noninterest expense to average assets | 1.9325% | 4,753 |
| Loan and lease loss provision to assets | 0.1895% | 861 |
| Net operating income to assets | 1.0263% | 2,759 |
| Return on assets (ROA) | 1.0263% | 2,796 |
| Pretax return on assets | 1.0263% | 3,363 |
| Return on Equity (ROE) | 13.7578% | 1,021 |
| Retained earnings to average equity (ytd only) | -1.7352% | 4,723 |
| Net charge-offs to loans | 0.4388% | 345 |
| Credit loss provision to net charge-offs | 95.3488% | 1,666 |
| Earnings coverage of net charge-offs (x) | 6.1163% | 2,216 |
| Efficiency ratio | 61.3803% | 3,628 |
| Assets per employee ($millions) | 6.4469% | 1,262 |
| Cash dividends to net income (ytd only)* | 112.6126% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 1,766 |
| Loan loss allowance to noncurrent loans | 248.3491% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 3,606 |
| Noncurrent loans to loans | 0.5539% | 2,662 |
| Net loans and leases to total assets | 45.0379% | 4,700 |
| Net loans and leases to deposits | 50.3303% | 4,805 |
| Net loans and leases to core deposits | 51.5554% | 4,849 |
| Total domestic deposits to total assets | 89.4845% | 648 |
| Equity capital to assets | 7.8022% | 5,222 |
| Core capital (leverage) ratio | 8.0569% | 5,192 |
| Tier 1 risk-based capital ratio | 16.0352% | 2,422 |
| Total risk-based capital ratio | 17.2808% | 2,373 |
| Memoranda: | ||
| Average total assets | $173,043,000 | 3,159 |
| Average earning assets | $167,283,000 | 3,088 |
| Average equity | $12,909,000 | 3,960 |
| Average total loans | $78,395,000 | 3,729 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0933% | 5,195 |
| Cost of funding earning assets | 0.3244% | 4,439 |
| Net interest margin | 2.7689% | 5,052 |
| Noninterest income to average assets | 0.3997% | 3,444 |
| Noninterest expense to average assets | 2.3184% | 4,080 |
| Loan and lease loss provision to assets | 0.0168% | 3,821 |
| Net operating income to assets | 0.7151% | 4,098 |
| Return on assets (ROA) | 0.7052% | 4,128 |
| Pretax return on assets | 0.7070% | 4,397 |
| Return on Equity (ROE) | 9.7548% | 2,619 |
| Retained earnings to average equity (ytd only) | 2.4347% | 4,171 |
| Net charge-offs to loans | 0.0062% | 3,477 |
| Credit loss provision to net charge-offs | 580.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 252.6000% | 378 |
| Efficiency ratio | 75.9612% | 1,374 |
| Assets per employee ($millions) | 6.6099% | 1,167 |
| Cash dividends to net income (ytd only)* | 75.0412% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 1,975 |
| Loan loss allowance to noncurrent loans | 414.9606% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 4,117 |
| Noncurrent loans to loans | 0.3165% | 3,421 |
| Net loans and leases to total assets | 44.3729% | 4,803 |
| Net loans and leases to deposits | 49.2169% | 4,910 |
| Net loans and leases to core deposits | 50.5248% | 4,931 |
| Total domestic deposits to total assets | 90.1578% | 422 |
| Equity capital to assets | 7.1386% | 5,322 |
| Core capital (leverage) ratio | 7.9951% | 5,235 |
| Tier 1 risk-based capital ratio | 15.4742% | 2,634 |
| Total risk-based capital ratio | 16.6724% | 2,573 |
| Memoranda: | ||
| Average total assets | $172,141,000 | 3,150 |
| Average earning assets | $164,904,000 | 3,084 |
| Average equity | $12,445,200 | 3,969 |
| Average total loans | $80,657,800 | 3,656 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0818% | 5,253 |
| Cost of funding earning assets | 0.2930% | 4,570 |
| Net interest margin | 2.7888% | 5,099 |
| Noninterest income to average assets | 0.4221% | 3,340 |
| Noninterest expense to average assets | 2.3772% | 3,907 |
| Loan and lease loss provision to assets | 0.0188% | 3,633 |
| Net operating income to assets | 0.6949% | 4,235 |
| Return on assets (ROA) | 0.6895% | 4,271 |
| Pretax return on assets | 0.6918% | 4,552 |
| Return on Equity (ROE) | 9.5055% | 2,844 |
| Retained earnings to average equity (ytd only) | 1.8537% | 4,622 |
| Net charge-offs to loans | 0.0033% | 3,355 |
| Credit loss provision to net charge-offs | 1,200.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 457.4157% | 205 |
| Efficiency ratio | 76.8511% | 1,249 |
| Assets per employee ($millions) | 5.8979% | 1,577 |
| Cash dividends to net income (ytd only)* | 80.4987% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 2,058 |
| Loan loss allowance to noncurrent loans | 216.0164% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.5507% | 2,542 |
| Noncurrent loans to loans | 0.6063% | 2,564 |
| Net loans and leases to total assets | 49.7815% | 4,611 |
| Net loans and leases to deposits | 56.6883% | 4,713 |
| Net loans and leases to core deposits | 58.3850% | 4,762 |
| Total domestic deposits to total assets | 87.8162% | 1,327 |
| Equity capital to assets | 7.7209% | 5,265 |
| Core capital (leverage) ratio | 8.1438% | 5,277 |
| Tier 1 risk-based capital ratio | 15.7689% | 2,539 |
| Total risk-based capital ratio | 16.9995% | 2,486 |
| Memoranda: | ||
| Average total assets | $170,559,500 | 3,191 |
| Average earning assets | $163,364,500 | 3,124 |
| Average equity | $12,371,500 | 4,007 |
| Average total loans | $80,761,000 | 3,681 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0081% | 5,331 |
| Cost of funding earning assets | 0.2809% | 4,558 |
| Net interest margin | 2.7272% | 5,195 |
| Noninterest income to average assets | 0.4038% | 3,454 |
| Noninterest expense to average assets | 2.2027% | 4,362 |
| Loan and lease loss provision to assets | 0.0275% | 3,367 |
| Net operating income to assets | 0.7767% | 3,930 |
| Return on assets (ROA) | 0.7767% | 3,935 |
| Pretax return on assets | 0.7801% | 4,306 |
| Return on Equity (ROE) | 10.9220% | 2,140 |
| Retained earnings to average equity (ytd only) | 0.4033% | 4,893 |
| Net charge-offs to loans | 0.0099% | 2,785 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 176.0000% | 462 |
| Efficiency ratio | 73.1707% | 1,824 |
| Assets per employee ($millions) | 6.1793% | 1,343 |
| Cash dividends to net income (ytd only)* | 96.3072% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 2,176 |
| Loan loss allowance to noncurrent loans | 257.3529% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.5982% | 2,429 |
| Noncurrent loans to loans | 0.5047% | 2,907 |
| Net loans and leases to total assets | 47.8204% | 4,730 |
| Net loans and leases to deposits | 53.3540% | 4,863 |
| Net loans and leases to core deposits | 54.8385% | 4,905 |
| Total domestic deposits to total assets | 89.6284% | 694 |
| Equity capital to assets | 7.3441% | 5,412 |
| Core capital (leverage) ratio | 7.7016% | 5,416 |
| Tier 1 risk-based capital ratio | 15.3273% | 2,715 |
| Total risk-based capital ratio | 16.5343% | 2,665 |
| Memoranda: | ||
| Average total assets | $174,331,330 | 3,165 |
| Average earning assets | $166,617,000 | 3,101 |
| Average equity | $12,397,000 | 4,027 |
| Average total loans | $80,906,000 | 3,697 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9255% | 5,404 |
| Cost of funding earning assets | 0.2737% | 4,555 |
| Net interest margin | 2.6518% | 5,289 |
| Noninterest income to average assets | 0.4043% | 3,431 |
| Noninterest expense to average assets | 2.1159% | 4,625 |
| Loan and lease loss provision to assets | 0.0539% | 2,691 |
| Net operating income to assets | 0.7525% | 3,902 |
| Return on assets (ROA) | 0.7525% | 3,901 |
| Pretax return on assets | 0.7592% | 4,265 |
| Return on Equity (ROE) | 10.7467% | 2,069 |
| Retained earnings to average equity (ytd only) | -2.0852% | 5,015 |
| Net charge-offs to loans | 0.0247% | 2,012 |
| Credit loss provision to net charge-offs | 480.0000% | 617 |
| Earnings coverage of net charge-offs (x) | 72.4000% | 753 |
| Efficiency ratio | 72.2393% | 2,158 |
| Assets per employee ($millions) | 6.0439% | 1,483 |
| Cash dividends to net income (ytd only)* | 119.4030% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 2,101 |
| Loan loss allowance to noncurrent loans | 294.6629% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.5590% | 2,653 |
| Noncurrent loans to loans | 0.4515% | 3,185 |
| Net loans and leases to total assets | 45.9747% | 4,794 |
| Net loans and leases to deposits | 51.2256% | 4,915 |
| Net loans and leases to core deposits | 52.6020% | 4,963 |
| Total domestic deposits to total assets | 89.7493% | 763 |
| Equity capital to assets | 7.2334% | 5,483 |
| Core capital (leverage) ratio | 7.7079% | 5,468 |
| Tier 1 risk-based capital ratio | 15.4846% | 2,669 |
| Total risk-based capital ratio | 16.7111% | 2,612 |
| Memoranda: | ||
| Average total assets | $178,076,500 | 3,147 |
| Average earning assets | $169,543,000 | 3,105 |
| Average equity | $12,469,000 | 4,052 |
| Average total loans | $80,942,000 | 3,732 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8168% | 5,452 |
| Cost of funding earning assets | 0.2754% | 4,359 |
| Net interest margin | 2.5415% | 5,386 |
| Noninterest income to average assets | 0.4204% | 3,503 |
| Noninterest expense to average assets | 2.1092% | 4,743 |
| Loan and lease loss provision to assets | 0.0793% | 2,606 |
| Net operating income to assets | 0.6672% | 3,743 |
| Return on assets (ROA) | 0.6672% | 3,789 |
| Pretax return on assets | 0.6678% | 4,587 |
| Return on Equity (ROE) | 9.4243% | 2,127 |
| Retained earnings to average equity (ytd only) | 1.5564% | 4,374 |
| Net charge-offs to loans | 0.0773% | 2,345 |
| Credit loss provision to net charge-offs | 236.0656% | 1,177 |
| Earnings coverage of net charge-offs (x) | 22.2295% | 1,862 |
| Efficiency ratio | 73.8426% | 1,917 |
| Assets per employee ($millions) | 6.6759% | 1,115 |
| Cash dividends to net income (ytd only)* | 83.4847% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 2,530 |
| Loan loss allowance to noncurrent loans | 309.3093% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.4938% | 2,912 |
| Noncurrent loans to loans | 0.4010% | 3,326 |
| Net loans and leases to total assets | 43.8695% | 4,981 |
| Net loans and leases to deposits | 48.5389% | 5,110 |
| Net loans and leases to core deposits | 49.7081% | 5,144 |
| Total domestic deposits to total assets | 90.3801% | 439 |
| Equity capital to assets | 6.7926% | 5,597 |
| Core capital (leverage) ratio | 7.6413% | 5,532 |
| Tier 1 risk-based capital ratio | 14.7168% | 2,981 |
| Total risk-based capital ratio | 15.8558% | 2,965 |
| Memoranda: | ||
| Average total assets | $181,493,200 | 3,095 |
| Average earning assets | $173,955,400 | 3,027 |
| Average equity | $12,849,800 | 4,004 |
| Average total loans | $78,892,200 | 3,774 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8043% | 5,518 |
| Cost of funding earning assets | 0.2740% | 4,369 |
| Net interest margin | 2.5303% | 5,451 |
| Noninterest income to average assets | 0.4108% | 3,617 |
| Noninterest expense to average assets | 1.9903% | 4,976 |
| Loan and lease loss provision to assets | 0.0799% | 2,488 |
| Net operating income to assets | 0.7801% | 3,600 |
| Return on assets (ROA) | 0.7801% | 3,652 |
| Pretax return on assets | 0.7809% | 4,400 |
| Return on Equity (ROE) | 10.9039% | 1,740 |
| Retained earnings to average equity (ytd only) | 2.6898% | 4,287 |
| Net charge-offs to loans | -0.0257% | 4,935 |
| Credit loss provision to net charge-offs | -720.0000% | 4,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8079% | 2,565 |
| Assets per employee ($millions) | 6.5132% | 1,171 |
| Cash dividends to net income (ytd only)* | 75.3320% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 2,052 |
| Loan loss allowance to noncurrent loans | 141.3474% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.7660% | 2,221 |
| Noncurrent loans to loans | 0.9661% | 1,994 |
| Net loans and leases to total assets | 43.9465% | 5,032 |
| Net loans and leases to deposits | 49.1444% | 5,154 |
| Net loans and leases to core deposits | 50.5511% | 5,181 |
| Total domestic deposits to total assets | 89.4232% | 686 |
| Equity capital to assets | 7.5271% | 5,612 |
| Core capital (leverage) ratio | 7.5229% | 5,617 |
| Tier 1 risk-based capital ratio | 16.1082% | 2,452 |
| Total risk-based capital ratio | 17.3600% | 2,397 |
| Memoranda: | ||
| Average total assets | $180,135,250 | 3,135 |
| Average earning assets | $173,728,250 | 3,054 |
| Average equity | $12,888,000 | 4,038 |
| Average total loans | $77,857,000 | 3,826 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7793% | 5,564 |
| Cost of funding earning assets | 0.2698% | 4,378 |
| Net interest margin | 2.5095% | 5,502 |
| Noninterest income to average assets | 0.3911% | 3,742 |
| Noninterest expense to average assets | 1.9200% | 5,156 |
| Loan and lease loss provision to assets | 0.0793% | 2,400 |
| Net operating income to assets | 0.8085% | 3,359 |
| Return on assets (ROA) | 0.8085% | 3,414 |
| Pretax return on assets | 0.8096% | 4,234 |
| Return on Equity (ROE) | 11.4942% | 1,468 |
| Retained earnings to average equity (ytd only) | 0.6264% | 4,944 |
| Net charge-offs to loans | -0.0386% | 5,058 |
| Credit loss provision to net charge-offs | -480.0000% | 4,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3529% | 2,946 |
| Assets per employee ($millions) | 6.8907% | 976 |
| Cash dividends to net income (ytd only)* | 94.5504% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 2,249 |
| Loan loss allowance to noncurrent loans | 85.0329% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 0.6787% | 2,510 |
| Noncurrent loans to loans | 1.5709% | 1,192 |
| Net loans and leases to total assets | 42.6308% | 5,113 |
| Net loans and leases to deposits | 47.2785% | 5,237 |
| Net loans and leases to core deposits | 48.5035% | 5,270 |
| Total domestic deposits to total assets | 90.1695% | 478 |
| Equity capital to assets | 7.2841% | 5,684 |
| Core capital (leverage) ratio | 7.2811% | 5,682 |
| Tier 1 risk-based capital ratio | 15.7406% | 2,605 |
| Total risk-based capital ratio | 16.9783% | 2,547 |
| Memoranda: | ||
| Average total assets | $181,561,330 | 3,137 |
| Average earning assets | $174,935,000 | 3,046 |
| Average equity | $12,771,670 | 4,071 |
| Average total loans | $77,691,670 | 3,843 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7205% | 5,636 |
| Cost of funding earning assets | 0.2686% | 4,369 |
| Net interest margin | 2.4519% | 5,581 |
| Noninterest income to average assets | 0.3786% | 3,817 |
| Noninterest expense to average assets | 1.9107% | 5,220 |
| Loan and lease loss provision to assets | 0.0788% | 2,239 |
| Net operating income to assets | 0.7441% | 3,501 |
| Return on assets (ROA) | 0.7441% | 3,556 |
| Pretax return on assets | 0.7463% | 4,297 |
| Return on Equity (ROE) | 10.7659% | 1,653 |
| Retained earnings to average equity (ytd only) | -1.8999% | 5,158 |
| Net charge-offs to loans | -0.0206% | 4,759 |
| Credit loss provision to net charge-offs | -900.0000% | 4,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8400% | 2,921 |
| Assets per employee ($millions) | 7.1579% | 876 |
| Cash dividends to net income (ytd only)* | 117.6471% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 2,517 |
| Loan loss allowance to noncurrent loans | 85.0862% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 0.6482% | 2,693 |
| Noncurrent loans to loans | 1.5335% | 1,286 |
| Net loans and leases to total assets | 41.7202% | 5,177 |
| Net loans and leases to deposits | 46.0544% | 5,302 |
| Net loans and leases to core deposits | 47.2378% | 5,329 |
| Total domestic deposits to total assets | 90.5888% | 436 |
| Equity capital to assets | 7.0999% | 5,747 |
| Core capital (leverage) ratio | 7.4230% | 5,720 |
| Tier 1 risk-based capital ratio | 16.0813% | 2,512 |
| Total risk-based capital ratio | 17.2976% | 2,479 |
| Memoranda: | ||
| Average total assets | $182,763,500 | 3,151 |
| Average earning assets | $175,700,000 | 3,072 |
| Average equity | $12,632,500 | 4,116 |
| Average total loans | $77,832,500 | 3,866 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8579% | 5,611 |
| Cost of funding earning assets | 0.2977% | 4,091 |
| Net interest margin | 2.5602% | 5,550 |
| Noninterest income to average assets | 0.4317% | 3,669 |
| Noninterest expense to average assets | 2.0812% | 5,031 |
| Loan and lease loss provision to assets | 0.1668% | 1,475 |
| Net operating income to assets | 0.6466% | 4,014 |
| Return on assets (ROA) | 0.6512% | 4,108 |
| Pretax return on assets | 0.6518% | 4,653 |
| Return on Equity (ROE) | 8.7537% | 2,542 |
| Retained earnings to average equity (ytd only) | 2.0283% | 4,383 |
| Net charge-offs to loans | 0.0853% | 2,478 |
| Credit loss provision to net charge-offs | 432.3529% | 739 |
| Earnings coverage of net charge-offs (x) | 21.1029% | 1,815 |
| Efficiency ratio | 71.8848% | 2,601 |
| Assets per employee ($millions) | 6.9104% | 959 |
| Cash dividends to net income (ytd only)* | 76.8293% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 3,217 |
| Loan loss allowance to noncurrent loans | 128.3198% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.3955% | 3,685 |
| Noncurrent loans to loans | 0.9223% | 2,252 |
| Net loans and leases to total assets | 42.3807% | 5,217 |
| Net loans and leases to deposits | 46.5933% | 5,347 |
| Net loans and leases to core deposits | 47.7278% | 5,380 |
| Total domestic deposits to total assets | 90.9588% | 291 |
| Equity capital to assets | 6.7317% | 5,818 |
| Core capital (leverage) ratio | 7.6088% | 5,726 |
| Tier 1 risk-based capital ratio | 15.1930% | 2,886 |
| Total risk-based capital ratio | 16.2904% | 2,879 |
| Memoranda: | ||
| Average total assets | $176,293,600 | 3,203 |
| Average earning assets | $169,636,400 | 3,116 |
| Average equity | $13,114,400 | 4,076 |
| Average total loans | $79,720,000 | 3,801 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9130% | 5,641 |
| Cost of funding earning assets | 0.3083% | 4,002 |
| Net interest margin | 2.6047% | 5,583 |
| Noninterest income to average assets | 0.4352% | 3,659 |
| Noninterest expense to average assets | 2.0392% | 5,133 |
| Loan and lease loss provision to assets | 0.0829% | 2,551 |
| Net operating income to assets | 0.8281% | 3,247 |
| Return on assets (ROA) | 0.8343% | 3,347 |
| Pretax return on assets | 0.8350% | 4,207 |
| Return on Equity (ROE) | 10.9356% | 1,692 |
| Retained earnings to average equity (ytd only) | 3.3601% | 3,881 |
| Net charge-offs to loans | 0.0251% | 3,167 |
| Credit loss provision to net charge-offs | 720.0000% | 547 |
| Earnings coverage of net charge-offs (x) | 79.1980% | 794 |
| Efficiency ratio | 69.1027% | 3,028 |
| Assets per employee ($millions) | 6.4666% | 1,128 |
| Cash dividends to net income (ytd only)* | 69.2728% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0348% | 4,213 |
| Loan loss allowance to noncurrent loans | 102.7778% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 3,604 |
| Noncurrent loans to loans | 1.0068% | 2,232 |
| Net loans and leases to total assets | 44.5884% | 5,157 |
| Net loans and leases to deposits | 49.7454% | 5,306 |
| Net loans and leases to core deposits | 51.2346% | 5,342 |
| Total domestic deposits to total assets | 89.6333% | 610 |
| Equity capital to assets | 7.8535% | 5,782 |
| Core capital (leverage) ratio | 7.5681% | 5,821 |
| Tier 1 risk-based capital ratio | 15.9954% | 2,628 |
| Total risk-based capital ratio | 16.9835% | 2,673 |
| Memoranda: | ||
| Average total assets | $173,722,000 | 3,250 |
| Average earning assets | $167,797,750 | 3,156 |
| Average equity | $13,253,000 | 4,089 |
| Average total loans | $79,644,750 | 3,836 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9015% | 5,735 |
| Cost of funding earning assets | 0.3131% | 3,985 |
| Net interest margin | 2.5884% | 5,678 |
| Noninterest income to average assets | 0.4244% | 3,700 |
| Noninterest expense to average assets | 2.0342% | 5,201 |
| Loan and lease loss provision to assets | 0.0830% | 2,476 |
| Net operating income to assets | 0.8061% | 3,282 |
| Return on assets (ROA) | 0.8142% | 3,380 |
| Pretax return on assets | 0.8130% | 4,236 |
| Return on Equity (ROE) | 10.7786% | 1,727 |
| Retained earnings to average equity (ytd only) | 0.5038% | 5,150 |
| Net charge-offs to loans | -0.0050% | 4,521 |
| Credit loss provision to net charge-offs | -3,600.0000% | 5,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6133% | 3,044 |
| Assets per employee ($millions) | 6.1525% | 1,300 |
| Cash dividends to net income (ytd only)* | 95.3258% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 4,506 |
| Loan loss allowance to noncurrent loans | 91.5899% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 0.5225% | 3,468 |
| Noncurrent loans to loans | 1.0937% | 2,096 |
| Net loans and leases to total assets | 47.2974% | 5,050 |
| Net loans and leases to deposits | 53.6142% | 5,155 |
| Net loans and leases to core deposits | 55.3225% | 5,210 |
| Total domestic deposits to total assets | 88.2179% | 1,307 |
| Equity capital to assets | 8.1641% | 5,747 |
| Core capital (leverage) ratio | 7.5542% | 5,872 |
| Tier 1 risk-based capital ratio | 15.1025% | 3,034 |
| Total risk-based capital ratio | 16.0349% | 3,110 |
| Memoranda: | ||
| Average total assets | $173,430,330 | 3,275 |
| Average earning assets | $167,364,330 | 3,176 |
| Average equity | $13,100,000 | 4,141 |
| Average total loans | $79,971,670 | 3,842 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8217% | 5,842 |
| Cost of funding earning assets | 0.3122% | 4,034 |
| Net interest margin | 2.5095% | 5,799 |
| Noninterest income to average assets | 0.3795% | 3,992 |
| Noninterest expense to average assets | 2.0035% | 5,325 |
| Loan and lease loss provision to assets | 0.0813% | 2,328 |
| Net operating income to assets | 0.7093% | 3,668 |
| Return on assets (ROA) | 0.7205% | 3,729 |
| Pretax return on assets | 0.7205% | 4,450 |
| Return on Equity (ROE) | 9.9153% | 2,020 |
| Retained earnings to average equity (ytd only) | -2.5177% | 5,433 |
| Net charge-offs to loans | -0.0050% | 4,290 |
| Credit loss provision to net charge-offs | -3,600.0000% | 4,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7057% | 2,841 |
| Assets per employee ($millions) | 6.4824% | 1,116 |
| Cash dividends to net income (ytd only)* | 125.3918% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 4,762 |
| Loan loss allowance to noncurrent loans | 83.3883% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 0.5654% | 3,367 |
| Noncurrent loans to loans | 1.1637% | 2,077 |
| Net loans and leases to total assets | 45.8984% | 5,122 |
| Net loans and leases to deposits | 51.1363% | 5,270 |
| Net loans and leases to core deposits | 52.7048% | 5,322 |
| Total domestic deposits to total assets | 89.7569% | 708 |
| Equity capital to assets | 7.7607% | 5,891 |
| Core capital (leverage) ratio | 7.3297% | 5,956 |
| Tier 1 risk-based capital ratio | 15.3627% | 2,989 |
| Total risk-based capital ratio | 16.2751% | 3,081 |
| Memoranda: | ||
| Average total assets | $177,087,000 | 3,230 |
| Average earning assets | $170,394,000 | 3,150 |
| Average equity | $12,869,000 | 4,182 |
| Average total loans | $80,275,500 | 3,848 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8079% | 5,873 |
| Cost of funding earning assets | 0.3320% | 3,885 |
| Net interest margin | 2.4760% | 5,843 |
| Noninterest income to average assets | 0.4515% | 3,652 |
| Noninterest expense to average assets | 2.1017% | 5,255 |
| Loan and lease loss provision to assets | 0.0564% | 3,181 |
| Net operating income to assets | 0.6704% | 3,948 |
| Return on assets (ROA) | 0.6704% | 4,034 |
| Pretax return on assets | 0.6710% | 4,613 |
| Return on Equity (ROE) | 9.1050% | 2,407 |
| Retained earnings to average equity (ytd only) | 2.0809% | 4,540 |
| Net charge-offs to loans | 0.0269% | 3,690 |
| Credit loss provision to net charge-offs | 457.1429% | 674 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 878 |
| Efficiency ratio | 74.2893% | 2,535 |
| Assets per employee ($millions) | 7.4253% | 730 |
| Cash dividends to net income (ytd only)* | 77.1454% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8746% | 5,184 |
| Loan loss allowance to noncurrent loans | 65.4859% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 0.6168% | 3,214 |
| Noncurrent loans to loans | 1.3356% | 1,765 |
| Net loans and leases to total assets | 44.0194% | 5,279 |
| Net loans and leases to deposits | 48.4375% | 5,468 |
| Net loans and leases to core deposits | 49.7567% | 5,511 |
| Total domestic deposits to total assets | 90.8787% | 310 |
| Equity capital to assets | 6.8189% | 6,075 |
| Core capital (leverage) ratio | 7.5311% | 5,973 |
| Tier 1 risk-based capital ratio | 14.0758% | 3,672 |
| Total risk-based capital ratio | 14.8659% | 3,870 |
| Memoranda: | ||
| Average total assets | $170,339,400 | 3,296 |
| Average earning assets | $163,571,600 | 3,207 |
| Average equity | $12,542,600 | 4,215 |
| Average total loans | $77,960,000 | 3,885 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8453% | 5,931 |
| Cost of funding earning assets | 0.3400% | 3,858 |
| Net interest margin | 2.5053% | 5,907 |
| Noninterest income to average assets | 0.4556% | 3,674 |
| Noninterest expense to average assets | 2.0546% | 5,375 |
| Loan and lease loss provision to assets | 0.0480% | 3,242 |
| Net operating income to assets | 0.7655% | 3,610 |
| Return on assets (ROA) | 0.7655% | 3,705 |
| Pretax return on assets | 0.7663% | 4,441 |
| Return on Equity (ROE) | 10.1858% | 2,032 |
| Retained earnings to average equity (ytd only) | 2.8235% | 4,425 |
| Net charge-offs to loans | -0.0278% | 5,326 |
| Credit loss provision to net charge-offs | -375.0000% | 5,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6160% | 2,944 |
| Assets per employee ($millions) | 6.3438% | 1,157 |
| Cash dividends to net income (ytd only)* | 72.2806% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9155% | 5,143 |
| Loan loss allowance to noncurrent loans | 73.8241% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 3,411 |
| Noncurrent loans to loans | 1.2401% | 2,062 |
| Net loans and leases to total assets | 47.3757% | 5,125 |
| Net loans and leases to deposits | 52.9278% | 5,318 |
| Net loans and leases to core deposits | 54.4989% | 5,379 |
| Total domestic deposits to total assets | 89.5101% | 770 |
| Equity capital to assets | 7.8720% | 6,001 |
| Core capital (leverage) ratio | 7.6808% | 6,015 |
| Tier 1 risk-based capital ratio | 14.8535% | 3,369 |
| Total risk-based capital ratio | 15.6882% | 3,519 |
| Memoranda: | ||
| Average total assets | $166,516,250 | 3,390 |
| Average earning assets | $160,400,500 | 3,281 |
| Average equity | $12,513,750 | 4,263 |
| Average total loans | $76,841,250 | 3,954 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8140% | 6,004 |
| Cost of funding earning assets | 0.3402% | 3,917 |
| Net interest margin | 2.4738% | 5,987 |
| Noninterest income to average assets | 0.4310% | 3,846 |
| Noninterest expense to average assets | 2.0522% | 5,435 |
| Loan and lease loss provision to assets | 0.0718% | 2,674 |
| Net operating income to assets | 0.6825% | 3,969 |
| Return on assets (ROA) | 0.6825% | 4,087 |
| Pretax return on assets | 0.6837% | 4,710 |
| Return on Equity (ROE) | 9.2255% | 2,421 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,501 |
| Net charge-offs to loans | -0.0420% | 5,475 |
| Credit loss provision to net charge-offs | -375.0000% | 5,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0917% | 2,821 |
| Assets per employee ($millions) | 6.8329% | 896 |
| Cash dividends to net income (ytd only)* | 100.0000% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 5,127 |
| Loan loss allowance to noncurrent loans | 68.3065% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 3,485 |
| Noncurrent loans to loans | 1.3794% | 1,961 |
| Net loans and leases to total assets | 44.4361% | 5,359 |
| Net loans and leases to deposits | 49.2621% | 5,544 |
| Net loans and leases to core deposits | 50.8235% | 5,580 |
| Total domestic deposits to total assets | 90.2033% | 575 |
| Equity capital to assets | 7.3005% | 6,144 |
| Core capital (leverage) ratio | 7.3787% | 6,126 |
| Tier 1 risk-based capital ratio | 14.6486% | 3,552 |
| Total risk-based capital ratio | 15.4891% | 3,723 |
| Memoranda: | ||
| Average total assets | $167,042,000 | 3,403 |
| Average earning assets | $160,484,670 | 3,300 |
| Average equity | $12,357,000 | 4,315 |
| Average total loans | $76,167,330 | 3,995 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8213% | 6,055 |
| Cost of funding earning assets | 0.3460% | 3,909 |
| Net interest margin | 2.4753% | 6,049 |
| Noninterest income to average assets | 0.3972% | 4,025 |
| Noninterest expense to average assets | 2.0103% | 5,560 |
| Loan and lease loss provision to assets | 0.0872% | 2,235 |
| Net operating income to assets | 0.6733% | 3,932 |
| Return on assets (ROA) | 0.6733% | 4,051 |
| Pretax return on assets | 0.6733% | 4,681 |
| Return on Equity (ROE) | 9.0407% | 2,425 |
| Retained earnings to average equity (ytd only) | -3.9675% | 5,858 |
| Net charge-offs to loans | -0.0685% | 5,684 |
| Credit loss provision to net charge-offs | -276.9231% | 4,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5524% | 3,077 |
| Assets per employee ($millions) | 6.3750% | 1,152 |
| Cash dividends to net income (ytd only)* | 143.8849% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 5,238 |
| Loan loss allowance to noncurrent loans | 71.8718% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 0.6757% | 3,462 |
| Noncurrent loans to loans | 1.3263% | 2,172 |
| Net loans and leases to total assets | 43.5666% | 5,384 |
| Net loans and leases to deposits | 48.4485% | 5,548 |
| Net loans and leases to core deposits | 50.0291% | 5,592 |
| Total domestic deposits to total assets | 89.9234% | 777 |
| Equity capital to assets | 7.5342% | 6,172 |
| Core capital (leverage) ratio | 7.4660% | 6,152 |
| Tier 1 risk-based capital ratio | 14.8856% | 3,490 |
| Total risk-based capital ratio | 15.7158% | 3,668 |
| Memoranda: | ||
| Average total assets | $165,151,500 | 3,442 |
| Average earning assets | $158,364,000 | 3,345 |
| Average equity | $12,300,000 | 4,361 |
| Average total loans | $75,936,500 | 4,026 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8991% | 6,139 |
| Cost of funding earning assets | 0.3710% | 4,031 |
| Net interest margin | 2.5281% | 6,129 |
| Noninterest income to average assets | 0.4270% | 3,992 |
| Noninterest expense to average assets | 2.1369% | 5,489 |
| Loan and lease loss provision to assets | 0.0867% | 2,737 |
| Net operating income to assets | 0.6360% | 4,207 |
| Return on assets (ROA) | 0.6487% | 4,253 |
| Pretax return on assets | 0.6499% | 4,784 |
| Return on Equity (ROE) | 9.1541% | 2,511 |
| Retained earnings to average equity (ytd only) | 2.7454% | 4,287 |
| Net charge-offs to loans | 0.0438% | 3,947 |
| Credit loss provision to net charge-offs | 423.5294% | 613 |
| Earnings coverage of net charge-offs (x) | 35.3529% | 1,190 |
| Efficiency ratio | 74.6947% | 2,719 |
| Assets per employee ($millions) | 6.5821% | 1,013 |
| Cash dividends to net income (ytd only)* | 70.0093% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 5,732 |
| Loan loss allowance to noncurrent loans | 89.5978% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 4,014 |
| Noncurrent loans to loans | 0.9131% | 3,033 |
| Net loans and leases to total assets | 47.5959% | 5,190 |
| Net loans and leases to deposits | 52.7855% | 5,424 |
| Net loans and leases to core deposits | 54.3187% | 5,485 |
| Total domestic deposits to total assets | 90.1685% | 662 |
| Equity capital to assets | 7.3606% | 6,270 |
| Core capital (leverage) ratio | 7.6900% | 6,133 |
| Tier 1 risk-based capital ratio | 14.4747% | 3,790 |
| Total risk-based capital ratio | 15.2178% | 4,044 |
| Memoranda: | ||
| Average total assets | $166,033,200 | 3,394 |
| Average earning assets | $159,841,200 | 3,283 |
| Average equity | $11,765,200 | 4,408 |
| Average total loans | $77,585,800 | 3,948 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8764% | 6,227 |
| Cost of funding earning assets | 0.3771% | 4,052 |
| Net interest margin | 2.4993% | 6,227 |
| Noninterest income to average assets | 0.4279% | 4,037 |
| Noninterest expense to average assets | 2.0432% | 5,694 |
| Loan and lease loss provision to assets | 0.0865% | 2,619 |
| Net operating income to assets | 0.7075% | 3,903 |
| Return on assets (ROA) | 0.7211% | 3,938 |
| Pretax return on assets | 0.7227% | 4,620 |
| Return on Equity (ROE) | 10.2750% | 2,077 |
| Retained earnings to average equity (ytd only) | 3.1853% | 4,364 |
| Net charge-offs to loans | -0.0035% | 5,240 |
| Credit loss provision to net charge-offs | -5,400.0000% | 6,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9729% | 3,182 |
| Assets per employee ($millions) | 6.4328% | 1,054 |
| Cash dividends to net income (ytd only)* | 69.0001% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8502% | 5,745 |
| Loan loss allowance to noncurrent loans | 83.0334% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 0.6019% | 4,040 |
| Noncurrent loans to loans | 1.0239% | 3,024 |
| Net loans and leases to total assets | 46.8452% | 5,304 |
| Net loans and leases to deposits | 52.6998% | 5,490 |
| Net loans and leases to core deposits | 54.3033% | 5,550 |
| Total domestic deposits to total assets | 88.8906% | 1,304 |
| Equity capital to assets | 7.4506% | 6,316 |
| Core capital (leverage) ratio | 7.5234% | 6,275 |
| Tier 1 risk-based capital ratio | 15.0640% | 3,550 |
| Total risk-based capital ratio | 15.8401% | 3,763 |
| Memoranda: | ||
| Average total assets | $166,403,500 | 3,417 |
| Average earning assets | $160,519,500 | 3,296 |
| Average equity | $11,678,500 | 4,450 |
| Average total loans | $77,240,750 | 3,983 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8398% | 6,309 |
| Cost of funding earning assets | 0.3786% | 4,120 |
| Net interest margin | 2.4612% | 6,312 |
| Noninterest income to average assets | 0.3910% | 4,303 |
| Noninterest expense to average assets | 2.0503% | 5,724 |
| Loan and lease loss provision to assets | 0.0856% | 2,593 |
| Net operating income to assets | 0.6252% | 4,220 |
| Return on assets (ROA) | 0.6442% | 4,229 |
| Pretax return on assets | 0.6466% | 4,800 |
| Return on Equity (ROE) | 9.3631% | 2,430 |
| Retained earnings to average equity (ytd only) | 0.6737% | 5,469 |
| Net charge-offs to loans | -0.0103% | 5,332 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1935% | 2,945 |
| Assets per employee ($millions) | 6.0881% | 1,227 |
| Cash dividends to net income (ytd only)* | 92.8044% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7901% | 6,002 |
| Loan loss allowance to noncurrent loans | 96.3780% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 0.5098% | 4,480 |
| Noncurrent loans to loans | 0.8198% | 3,661 |
| Net loans and leases to total assets | 46.7477% | 5,294 |
| Net loans and leases to deposits | 51.9501% | 5,504 |
| Net loans and leases to core deposits | 53.1903% | 5,601 |
| Total domestic deposits to total assets | 89.9859% | 820 |
| Equity capital to assets | 7.1786% | 6,416 |
| Core capital (leverage) ratio | 7.3773% | 6,347 |
| Tier 1 risk-based capital ratio | 14.5352% | 3,907 |
| Total risk-based capital ratio | 15.2584% | 4,192 |
| Memoranda: | ||
| Average total assets | $168,265,000 | 3,404 |
| Average earning assets | $162,197,000 | 3,295 |
| Average equity | $11,577,330 | 4,479 |
| Average total loans | $77,660,330 | 3,980 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8134% | 6,387 |
| Cost of funding earning assets | 0.3855% | 4,137 |
| Net interest margin | 2.4279% | 6,397 |
| Noninterest income to average assets | 0.3690% | 4,436 |
| Noninterest expense to average assets | 1.9881% | 5,909 |
| Loan and lease loss provision to assets | 0.0846% | 2,491 |
| Net operating income to assets | 0.6345% | 4,026 |
| Return on assets (ROA) | 0.6345% | 4,116 |
| Pretax return on assets | 0.6345% | 4,710 |
| Return on Equity (ROE) | 9.4192% | 2,284 |
| Retained earnings to average equity (ytd only) | -1.0466% | 5,734 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4375% | 3,238 |
| Assets per employee ($millions) | 6.2149% | 1,176 |
| Cash dividends to net income (ytd only)* | 111.1111% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7547% | 6,183 |
| Loan loss allowance to noncurrent loans | 127.3942% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.4356% | 4,832 |
| Noncurrent loans to loans | 0.5924% | 4,389 |
| Net loans and leases to total assets | 44.8254% | 5,437 |
| Net loans and leases to deposits | 49.7000% | 5,617 |
| Net loans and leases to core deposits | 50.5694% | 5,722 |
| Total domestic deposits to total assets | 90.1920% | 975 |
| Equity capital to assets | 6.8766% | 6,475 |
| Core capital (leverage) ratio | 7.2091% | 6,421 |
| Tier 1 risk-based capital ratio | 14.4614% | 4,024 |
| Total risk-based capital ratio | 15.1378% | 4,355 |
| Memoranda: | ||
| Average total assets | $170,208,500 | 3,403 |
| Average earning assets | $163,928,000 | 3,294 |
| Average equity | $11,466,000 | 4,511 |
| Average total loans | $77,763,000 | 4,004 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9582% | 6,382 |
| Cost of funding earning assets | 0.4250% | 4,380 |
| Net interest margin | 2.5332% | 6,343 |
| Noninterest income to average assets | 0.4263% | 4,261 |
| Noninterest expense to average assets | 2.2772% | 5,437 |
| Loan and lease loss provision to assets | 0.0850% | 3,411 |
| Net operating income to assets | 0.4740% | 4,848 |
| Return on assets (ROA) | 0.4765% | 4,982 |
| Pretax return on assets | 0.4778% | 5,267 |
| Return on Equity (ROE) | 6.5439% | 3,804 |
| Retained earnings to average equity (ytd only) | 0.3749% | 5,677 |
| Net charge-offs to loans | 0.3476% | 1,946 |
| Credit loss provision to net charge-offs | 51.8939% | 3,768 |
| Earnings coverage of net charge-offs (x) | 3.4205% | 3,859 |
| Efficiency ratio | 80.2537% | 2,113 |
| Assets per employee ($millions) | 6.3931% | 1,038 |
| Cash dividends to net income (ytd only)* | 94.2708% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6735% | 6,384 |
| Loan loss allowance to noncurrent loans | 143.9678% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.3864% | 5,094 |
| Noncurrent loans to loans | 0.4678% | 4,827 |
| Net loans and leases to total assets | 45.8819% | 5,501 |
| Net loans and leases to deposits | 50.6647% | 5,718 |
| Net loans and leases to core deposits | 51.5169% | 5,834 |
| Total domestic deposits to total assets | 90.5599% | 780 |
| Equity capital to assets | 6.6002% | 6,553 |
| Core capital (leverage) ratio | 7.4369% | 6,397 |
| Tier 1 risk-based capital ratio | 13.7614% | 4,472 |
| Total risk-based capital ratio | 14.3641% | 4,844 |
| Memoranda: | ||
| Average total assets | $161,166,000 | 3,544 |
| Average earning assets | $153,402,600 | 3,448 |
| Average equity | $11,736,200 | 4,502 |
| Average total loans | $75,942,000 | 4,058 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9978% | 6,425 |
| Cost of funding earning assets | 0.4368% | 4,427 |
| Net interest margin | 2.5611% | 6,363 |
| Noninterest income to average assets | 0.3900% | 4,606 |
| Noninterest expense to average assets | 2.2277% | 5,537 |
| Loan and lease loss provision to assets | 0.0834% | 3,395 |
| Net operating income to assets | 0.5070% | 4,763 |
| Return on assets (ROA) | 0.5070% | 4,924 |
| Pretax return on assets | 0.5087% | 5,333 |
| Return on Equity (ROE) | 6.7895% | 3,765 |
| Retained earnings to average equity (ytd only) | 0.5526% | 5,749 |
| Net charge-offs to loans | 0.3538% | 1,781 |
| Credit loss provision to net charge-offs | 49.7487% | 3,510 |
| Earnings coverage of net charge-offs (x) | 3.5326% | 3,674 |
| Efficiency ratio | 79.0024% | 2,259 |
| Assets per employee ($millions) | 5.8307% | 1,361 |
| Cash dividends to net income (ytd only)* | 91.8595% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7429% | 6,383 |
| Loan loss allowance to noncurrent loans | 111.9284% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.6085% | 4,612 |
| Noncurrent loans to loans | 0.6638% | 4,541 |
| Net loans and leases to total assets | 47.7790% | 5,373 |
| Net loans and leases to deposits | 53.3336% | 5,601 |
| Net loans and leases to core deposits | 54.3436% | 5,738 |
| Total domestic deposits to total assets | 89.5851% | 1,235 |
| Equity capital to assets | 7.3767% | 6,433 |
| Core capital (leverage) ratio | 7.6721% | 6,381 |
| Tier 1 risk-based capital ratio | 14.6714% | 3,967 |
| Total risk-based capital ratio | 15.3448% | 4,306 |
| Memoranda: | ||
| Average total assets | $158,303,750 | 3,620 |
| Average earning assets | $150,194,750 | 3,529 |
| Average equity | $11,822,000 | 4,533 |
| Average total loans | $74,993,500 | 4,120 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9822% | 6,465 |
| Cost of funding earning assets | 0.4407% | 4,536 |
| Net interest margin | 2.5415% | 6,401 |
| Noninterest income to average assets | 0.3115% | 5,214 |
| Noninterest expense to average assets | 2.2321% | 5,550 |
| Loan and lease loss provision to assets | 0.0769% | 3,518 |
| Net operating income to assets | 0.4073% | 5,188 |
| Return on assets (ROA) | 0.4073% | 5,356 |
| Pretax return on assets | 0.4098% | 5,619 |
| Return on Equity (ROE) | 5.4324% | 4,503 |
| Retained earnings to average equity (ytd only) | -2.9432% | 6,303 |
| Net charge-offs to loans | 0.2382% | 2,293 |
| Credit loss provision to net charge-offs | 68.5393% | 2,851 |
| Earnings coverage of net charge-offs (x) | 4.3371% | 3,158 |
| Efficiency ratio | 82.0965% | 1,877 |
| Assets per employee ($millions) | 5.3857% | 1,712 |
| Cash dividends to net income (ytd only)* | 154.1796% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8430% | 6,271 |
| Loan loss allowance to noncurrent loans | 63.8191% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 0.8964% | 3,997 |
| Noncurrent loans to loans | 1.3210% | 3,346 |
| Net loans and leases to total assets | 47.8205% | 5,346 |
| Net loans and leases to deposits | 53.1878% | 5,588 |
| Net loans and leases to core deposits | 54.4194% | 5,719 |
| Total domestic deposits to total assets | 89.9088% | 1,075 |
| Equity capital to assets | 7.1511% | 6,562 |
| Core capital (leverage) ratio | 7.7564% | 6,334 |
| Tier 1 risk-based capital ratio | 14.4788% | 4,114 |
| Total risk-based capital ratio | 15.2422% | 4,393 |
| Memoranda: | ||
| Average total assets | $158,595,330 | 3,641 |
| Average earning assets | $150,225,330 | 3,547 |
| Average equity | $11,891,670 | 4,558 |
| Average total loans | $74,731,000 | 4,148 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9514% | 6,562 |
| Cost of funding earning assets | 0.4569% | 4,514 |
| Net interest margin | 2.4945% | 6,518 |
| Noninterest income to average assets | 0.4180% | 4,323 |
| Noninterest expense to average assets | 2.0926% | 5,925 |
| Loan and lease loss provision to assets | 0.0576% | 3,671 |
| Net operating income to assets | 0.6133% | 4,150 |
| Return on assets (ROA) | 0.6133% | 4,312 |
| Pretax return on assets | 0.6183% | 4,878 |
| Return on Equity (ROE) | 7.9980% | 2,973 |
| Retained earnings to average equity (ytd only) | -5.0600% | 6,370 |
| Net charge-offs to loans | 0.4245% | 1,394 |
| Credit loss provision to net charge-offs | 29.1139% | 2,901 |
| Earnings coverage of net charge-offs (x) | 3.4177% | 2,769 |
| Efficiency ratio | 75.5877% | 2,994 |
| Assets per employee ($millions) | 5.3421% | 1,816 |
| Cash dividends to net income (ytd only)* | 163.2653% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8366% | 6,395 |
| Loan loss allowance to noncurrent loans | 56.8885% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 1.1709% | 3,613 |
| Noncurrent loans to loans | 1.4706% | 3,353 |
| Net loans and leases to total assets | 46.4417% | 5,392 |
| Net loans and leases to deposits | 52.0006% | 5,617 |
| Net loans and leases to core deposits | 53.2128% | 5,731 |
| Total domestic deposits to total assets | 89.3100% | 1,483 |
| Equity capital to assets | 7.8421% | 6,456 |
| Core capital (leverage) ratio | 7.6092% | 6,417 |
| Tier 1 risk-based capital ratio | 14.9538% | 3,871 |
| Total risk-based capital ratio | 15.7063% | 4,174 |
| Memoranda: | ||
| Average total assets | $159,800,000 | 3,652 |
| Average earning assets | $150,574,000 | 3,583 |
| Average equity | $12,253,000 | 4,530 |
| Average total loans | $74,434,500 | 4,190 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2732% | 6,609 |
| Cost of funding earning assets | 0.5583% | 4,742 |
| Net interest margin | 2.7149% | 6,499 |
| Noninterest income to average assets | 0.4407% | 4,314 |
| Noninterest expense to average assets | 2.3090% | 5,672 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6910% | 3,778 |
| Return on assets (ROA) | 0.6910% | 4,043 |
| Pretax return on assets | 0.6923% | 4,691 |
| Return on Equity (ROE) | 8.6999% | 2,787 |
| Retained earnings to average equity (ytd only) | 1.7596% | 4,975 |
| Net charge-offs to loans | 0.0144% | 5,707 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 96.8182% | 400 |
| Efficiency ratio | 76.9331% | 2,603 |
| Assets per employee ($millions) | 5.4893% | 1,692 |
| Cash dividends to net income (ytd only)* | 79.7742% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8688% | 6,347 |
| Loan loss allowance to noncurrent loans | 71.9870% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 0.9449% | 4,136 |
| Noncurrent loans to loans | 1.2069% | 3,841 |
| Net loans and leases to total assets | 45.9385% | 5,621 |
| Net loans and leases to deposits | 51.4297% | 5,856 |
| Net loans and leases to core deposits | 52.5369% | 5,977 |
| Total domestic deposits to total assets | 89.3229% | 1,355 |
| Equity capital to assets | 7.5037% | 6,631 |
| Core capital (leverage) ratio | 7.8468% | 6,311 |
| Tier 1 risk-based capital ratio | 14.2154% | 4,234 |
| Total risk-based capital ratio | 14.9869% | 4,529 |
| Memoranda: | ||
| Average total assets | $153,834,800 | 3,716 |
| Average earning assets | $145,088,000 | 3,638 |
| Average equity | $12,218,600 | 4,521 |
| Average total loans | $76,141,200 | 4,148 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3520% | 6,677 |
| Cost of funding earning assets | 0.5788% | 4,846 |
| Net interest margin | 2.7732% | 6,548 |
| Noninterest income to average assets | 0.4411% | 4,354 |
| Noninterest expense to average assets | 2.2321% | 5,874 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8364% | 3,278 |
| Return on assets (ROA) | 0.8364% | 3,524 |
| Pretax return on assets | 0.8381% | 4,344 |
| Return on Equity (ROE) | 10.3740% | 2,184 |
| Retained earnings to average equity (ytd only) | 2.3747% | 5,149 |
| Net charge-offs to loans | 0.0035% | 5,719 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 474.3970% | 94 |
| Efficiency ratio | 72.7011% | 3,198 |
| Assets per employee ($millions) | 5.2221% | 1,913 |
| Cash dividends to net income (ytd only)* | 77.1094% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9157% | 6,339 |
| Loan loss allowance to noncurrent loans | 95.1841% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.9819% | 4,322 |
| Noncurrent loans to loans | 0.9620% | 4,510 |
| Net loans and leases to total assets | 48.0164% | 5,544 |
| Net loans and leases to deposits | 53.9656% | 5,813 |
| Net loans and leases to core deposits | 55.5033% | 5,926 |
| Total domestic deposits to total assets | 88.9758% | 1,444 |
| Equity capital to assets | 8.2019% | 6,486 |
| Core capital (leverage) ratio | 8.0258% | 6,307 |
| Tier 1 risk-based capital ratio | 14.8483% | 3,949 |
| Total risk-based capital ratio | 15.6649% | 4,214 |
| Memoranda: | ||
| Average total assets | $151,123,750 | 3,799 |
| Average earning assets | $143,274,250 | 3,712 |
| Average equity | $12,184,000 | 4,568 |
| Average total loans | $76,098,000 | 4,196 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3895% | 6,734 |
| Cost of funding earning assets | 0.5940% | 4,950 |
| Net interest margin | 2.7954% | 6,587 |
| Noninterest income to average assets | 0.4225% | 4,480 |
| Noninterest expense to average assets | 2.2275% | 5,931 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8410% | 3,193 |
| Return on assets (ROA) | 0.8410% | 3,458 |
| Pretax return on assets | 0.8436% | 4,303 |
| Return on Equity (ROE) | 10.4915% | 2,172 |
| Retained earnings to average equity (ytd only) | -0.0496% | 6,042 |
| Net charge-offs to loans | 0.0104% | 5,316 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 159.2500% | 285 |
| Efficiency ratio | 72.5313% | 3,336 |
| Assets per employee ($millions) | 5.0424% | 2,120 |
| Cash dividends to net income (ytd only)* | 100.4724% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8790% | 6,510 |
| Loan loss allowance to noncurrent loans | 75.5355% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 0.9367% | 4,498 |
| Noncurrent loans to loans | 1.1638% | 4,212 |
| Net loans and leases to total assets | 49.9422% | 5,363 |
| Net loans and leases to deposits | 56.0382% | 5,640 |
| Net loans and leases to core deposits | 57.6252% | 5,800 |
| Total domestic deposits to total assets | 89.1217% | 1,441 |
| Equity capital to assets | 8.0378% | 6,545 |
| Core capital (leverage) ratio | 7.9960% | 6,285 |
| Tier 1 risk-based capital ratio | 14.2859% | 4,248 |
| Total risk-based capital ratio | 15.0836% | 4,547 |
| Memoranda: | ||
| Average total assets | $151,018,330 | 3,822 |
| Average earning assets | $143,089,670 | 3,734 |
| Average equity | $12,105,000 | 4,579 |
| Average total loans | $77,001,330 | 4,185 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4518% | 6,753 |
| Cost of funding earning assets | 0.6134% | 5,023 |
| Net interest margin | 2.8384% | 6,576 |
| Noninterest income to average assets | 0.4135% | 4,569 |
| Noninterest expense to average assets | 2.2109% | 6,015 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8960% | 2,939 |
| Return on assets (ROA) | 0.8960% | 3,157 |
| Pretax return on assets | 0.9013% | 4,025 |
| Return on Equity (ROE) | 11.1939% | 1,944 |
| Retained earnings to average equity (ytd only) | -2.0533% | 6,285 |
| Net charge-offs to loans | -0.0103% | 5,957 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0392% | 3,612 |
| Assets per employee ($millions) | 4.8757% | 2,424 |
| Cash dividends to net income (ytd only)* | 118.3432% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8803% | 6,584 |
| Loan loss allowance to noncurrent loans | 81.7412% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 0.9277% | 4,666 |
| Noncurrent loans to loans | 1.0769% | 4,545 |
| Net loans and leases to total assets | 52.0387% | 5,022 |
| Net loans and leases to deposits | 58.5317% | 5,316 |
| Net loans and leases to core deposits | 60.2368% | 5,507 |
| Total domestic deposits to total assets | 88.9068% | 1,758 |
| Equity capital to assets | 8.2286% | 6,337 |
| Core capital (leverage) ratio | 7.9657% | 6,286 |
| Tier 1 risk-based capital ratio | 14.2484% | 4,276 |
| Total risk-based capital ratio | 15.0551% | 4,589 |
| Memoranda: | ||
| Average total assets | $150,891,000 | 3,852 |
| Average earning assets | $143,463,000 | 3,758 |
| Average equity | $12,078,000 | 4,597 |
| Average total loans | $77,392,500 | 4,205 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7654% | 6,762 |
| Cost of funding earning assets | 0.7422% | 5,264 |
| Net interest margin | 3.0232% | 6,494 |
| Noninterest income to average assets | 0.4149% | 4,494 |
| Noninterest expense to average assets | 2.4048% | 5,762 |
| Loan and lease loss provision to assets | 0.0667% | 5,775 |
| Net operating income to assets | 0.8058% | 3,011 |
| Return on assets (ROA) | 0.8058% | 3,174 |
| Pretax return on assets | 0.8071% | 3,957 |
| Return on Equity (ROE) | 10.0366% | 2,048 |
| Retained earnings to average equity (ytd only) | 2.4842% | 4,459 |
| Net charge-offs to loans | 0.1894% | 4,630 |
| Credit loss provision to net charge-offs | 68.9655% | 4,890 |
| Earnings coverage of net charge-offs (x) | 9.0345% | 2,046 |
| Efficiency ratio | 73.3469% | 3,333 |
| Assets per employee ($millions) | 5.3625% | 1,764 |
| Cash dividends to net income (ytd only)* | 75.2483% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8642% | 6,614 |
| Loan loss allowance to noncurrent loans | 52.5741% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 0.8636% | 4,899 |
| Noncurrent loans to loans | 1.6438% | 3,701 |
| Net loans and leases to total assets | 49.7183% | 5,627 |
| Net loans and leases to deposits | 55.5090% | 5,929 |
| Net loans and leases to core deposits | 57.1325% | 6,064 |
| Total domestic deposits to total assets | 89.5680% | 1,224 |
| Equity capital to assets | 7.7936% | 6,690 |
| Core capital (leverage) ratio | 7.8351% | 6,414 |
| Tier 1 risk-based capital ratio | 13.8869% | 4,408 |
| Total risk-based capital ratio | 14.6667% | 4,725 |
| Memoranda: | ||
| Average total assets | $149,911,600 | 3,801 |
| Average earning assets | $142,003,400 | 3,710 |
| Average equity | $12,036,000 | 4,542 |
| Average total loans | $76,545,400 | 4,251 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8593% | 6,779 |
| Cost of funding earning assets | 0.7787% | 5,285 |
| Net interest margin | 3.0806% | 6,430 |
| Noninterest income to average assets | 0.4130% | 4,562 |
| Noninterest expense to average assets | 2.3351% | 5,946 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9992% | 2,325 |
| Return on assets (ROA) | 0.9992% | 2,474 |
| Pretax return on assets | 1.0010% | 3,393 |
| Return on Equity (ROE) | 12.3509% | 1,453 |
| Retained earnings to average equity (ytd only) | 4.1392% | 3,786 |
| Net charge-offs to loans | 0.1505% | 4,561 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 12.9656% | 1,657 |
| Efficiency ratio | 69.9946% | 3,959 |
| Assets per employee ($millions) | 5.1436% | 2,001 |
| Cash dividends to net income (ytd only)* | 66.4870% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8456% | 6,730 |
| Loan loss allowance to noncurrent loans | 52.4007% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 0.8099% | 5,151 |
| Noncurrent loans to loans | 1.6137% | 3,878 |
| Net loans and leases to total assets | 49.7623% | 5,737 |
| Net loans and leases to deposits | 55.9938% | 6,034 |
| Net loans and leases to core deposits | 57.8272% | 6,141 |
| Total domestic deposits to total assets | 88.8712% | 1,504 |
| Equity capital to assets | 8.2903% | 6,493 |
| Core capital (leverage) ratio | 7.8841% | 6,499 |
| Tier 1 risk-based capital ratio | 14.5960% | 3,906 |
| Total risk-based capital ratio | 15.3611% | 4,247 |
| Memoranda: | ||
| Average total assets | $148,511,500 | 3,852 |
| Average earning assets | $140,921,750 | 3,746 |
| Average equity | $12,015,000 | 4,568 |
| Average total loans | $76,183,750 | 4,309 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8316% | 6,886 |
| Cost of funding earning assets | 0.7926% | 5,428 |
| Net interest margin | 3.0391% | 6,527 |
| Noninterest income to average assets | 0.4059% | 4,627 |
| Noninterest expense to average assets | 2.3710% | 5,928 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9077% | 2,610 |
| Return on assets (ROA) | 0.9077% | 2,711 |
| Pretax return on assets | 0.9104% | 3,579 |
| Return on Equity (ROE) | 11.3128% | 1,694 |
| Retained earnings to average equity (ytd only) | 0.4707% | 5,661 |
| Net charge-offs to loans | -0.0026% | 6,538 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2565% | 3,684 |
| Assets per employee ($millions) | 5.2504% | 1,821 |
| Cash dividends to net income (ytd only)* | 95.8395% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9436% | 6,534 |
| Loan loss allowance to noncurrent loans | 49.7581% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 0.9503% | 4,964 |
| Noncurrent loans to loans | 1.8965% | 3,613 |
| Net loans and leases to total assets | 49.6381% | 5,872 |
| Net loans and leases to deposits | 55.5989% | 6,170 |
| Net loans and leases to core deposits | 57.3732% | 6,317 |
| Total domestic deposits to total assets | 89.2790% | 1,372 |
| Equity capital to assets | 7.9245% | 6,732 |
| Core capital (leverage) ratio | 7.9975% | 6,301 |
| Tier 1 risk-based capital ratio | 13.8458% | 4,273 |
| Total risk-based capital ratio | 14.6956% | 4,556 |
| Memoranda: | ||
| Average total assets | $148,294,330 | 3,878 |
| Average earning assets | $140,305,670 | 3,789 |
| Average equity | $11,898,000 | 4,579 |
| Average total loans | $76,625,000 | 4,325 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9201% | 6,800 |
| Cost of funding earning assets | 0.8160% | 5,493 |
| Net interest margin | 3.1042% | 6,339 |
| Noninterest income to average assets | 0.3937% | 4,754 |
| Noninterest expense to average assets | 2.3484% | 6,056 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9623% | 2,307 |
| Return on assets (ROA) | 0.9623% | 2,373 |
| Pretax return on assets | 0.9678% | 3,256 |
| Return on Equity (ROE) | 11.9181% | 1,483 |
| Retained earnings to average equity (ytd only) | -1.6252% | 6,091 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8162% | 4,096 |
| Assets per employee ($millions) | 5.0190% | 2,137 |
| Cash dividends to net income (ytd only)* | 113.6364% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9491% | 6,549 |
| Loan loss allowance to noncurrent loans | 68.0871% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 0.7255% | 5,478 |
| Noncurrent loans to loans | 1.3939% | 4,379 |
| Net loans and leases to total assets | 51.5551% | 5,638 |
| Net loans and leases to deposits | 57.4672% | 5,980 |
| Net loans and leases to core deposits | 59.4764% | 6,142 |
| Total domestic deposits to total assets | 89.7122% | 1,349 |
| Equity capital to assets | 8.0741% | 6,414 |
| Core capital (leverage) ratio | 8.0073% | 6,251 |
| Tier 1 risk-based capital ratio | 13.4324% | 4,474 |
| Total risk-based capital ratio | 14.2610% | 4,804 |
| Memoranda: | ||
| Average total assets | $146,310,500 | 3,949 |
| Average earning assets | $137,750,500 | 3,863 |
| Average equity | $11,814,000 | 4,598 |
| Average total loans | $76,787,500 | 4,362 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1874% | 6,944 |
| Cost of funding earning assets | 1.0185% | 5,597 |
| Net interest margin | 3.1689% | 6,341 |
| Noninterest income to average assets | 0.3954% | 4,940 |
| Noninterest expense to average assets | 2.5296% | 5,684 |
| Loan and lease loss provision to assets | 0.0675% | 6,471 |
| Net operating income to assets | 0.7928% | 2,839 |
| Return on assets (ROA) | 0.8913% | 2,556 |
| Pretax return on assets | 0.8927% | 3,316 |
| Return on Equity (ROE) | 10.8922% | 1,619 |
| Retained earnings to average equity (ytd only) | 3.0096% | 3,742 |
| Net charge-offs to loans | 0.0340% | 6,461 |
| Credit loss provision to net charge-offs | 384.6154% | 643 |
| Earnings coverage of net charge-offs (x) | 49.1154% | 474 |
| Efficiency ratio | 74.5921% | 3,277 |
| Assets per employee ($millions) | 5.0714% | 2,056 |
| Cash dividends to net income (ytd only)* | 72.3694% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9240% | 6,653 |
| Loan loss allowance to noncurrent loans | 113.4069% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.4311% | 6,193 |
| Noncurrent loans to loans | 0.8147% | 5,420 |
| Net loans and leases to total assets | 52.4227% | 5,858 |
| Net loans and leases to deposits | 58.2602% | 6,233 |
| Net loans and leases to core deposits | 59.8926% | 6,400 |
| Total domestic deposits to total assets | 89.9803% | 1,114 |
| Equity capital to assets | 8.0751% | 6,409 |
| Core capital (leverage) ratio | 7.7144% | 6,533 |
| Tier 1 risk-based capital ratio | 13.1340% | 4,499 |
| Total risk-based capital ratio | 13.9409% | 4,847 |
| Memoranda: | ||
| Average total assets | $148,206,000 | 3,905 |
| Average earning assets | $140,112,200 | 3,817 |
| Average equity | $12,128,000 | 4,573 |
| Average total loans | $76,416,000 | 4,438 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1996% | 7,089 |
| Cost of funding earning assets | 1.0513% | 5,694 |
| Net interest margin | 3.1482% | 6,489 |
| Noninterest income to average assets | 0.3654% | 5,233 |
| Noninterest expense to average assets | 2.4082% | 6,008 |
| Loan and lease loss provision to assets | 0.0898% | 6,146 |
| Net operating income to assets | 0.8557% | 2,794 |
| Return on assets (ROA) | 0.9868% | 2,400 |
| Pretax return on assets | 0.9886% | 3,223 |
| Return on Equity (ROE) | 12.0195% | 1,497 |
| Retained earnings to average equity (ytd only) | 2.5374% | 4,644 |
| Net charge-offs to loans | 0.0263% | 6,301 |
| Credit loss provision to net charge-offs | 666.6667% | 441 |
| Earnings coverage of net charge-offs (x) | 70.3315% | 428 |
| Efficiency ratio | 71.7688% | 3,750 |
| Assets per employee ($millions) | 5.2231% | 1,905 |
| Cash dividends to net income (ytd only)* | 78.8896% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 6,500 |
| Loan loss allowance to noncurrent loans | 130.1248% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 6,481 |
| Noncurrent loans to loans | 0.7494% | 5,704 |
| Net loans and leases to total assets | 48.9400% | 6,441 |
| Net loans and leases to deposits | 54.3241% | 6,746 |
| Net loans and leases to core deposits | 55.5902% | 6,882 |
| Total domestic deposits to total assets | 90.0891% | 833 |
| Equity capital to assets | 8.0082% | 6,801 |
| Core capital (leverage) ratio | 7.6900% | 6,681 |
| Tier 1 risk-based capital ratio | 13.1715% | 4,442 |
| Total risk-based capital ratio | 14.0026% | 4,751 |
| Memoranda: | ||
| Average total assets | $148,490,000 | 3,946 |
| Average earning assets | $141,027,250 | 3,850 |
| Average equity | $12,191,000 | 4,627 |
| Average total loans | $76,065,750 | 4,525 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2430% | 7,125 |
| Cost of funding earning assets | 1.0907% | 5,729 |
| Net interest margin | 3.1523% | 6,459 |
| Noninterest income to average assets | 0.3403% | 5,428 |
| Noninterest expense to average assets | 2.3784% | 6,122 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9614% | 2,325 |
| Return on assets (ROA) | 0.9614% | 2,412 |
| Pretax return on assets | 0.9641% | 3,260 |
| Return on Equity (ROE) | 11.6122% | 1,556 |
| Retained earnings to average equity (ytd only) | 0.1638% | 5,680 |
| Net charge-offs to loans | -0.0026% | 7,079 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1562% | 3,960 |
| Assets per employee ($millions) | 4.9083% | 2,294 |
| Cash dividends to net income (ytd only)* | 98.5896% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8455% | 6,921 |
| Loan loss allowance to noncurrent loans | 122.1172% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3593% | 6,537 |
| Noncurrent loans to loans | 0.6924% | 5,858 |
| Net loans and leases to total assets | 51.4503% | 6,271 |
| Net loans and leases to deposits | 57.2872% | 6,634 |
| Net loans and leases to core deposits | 58.5598% | 6,793 |
| Total domestic deposits to total assets | 89.8111% | 1,014 |
| Equity capital to assets | 8.2500% | 6,480 |
| Core capital (leverage) ratio | 7.8534% | 6,434 |
| Tier 1 risk-based capital ratio | 13.4214% | 4,124 |
| Total risk-based capital ratio | 14.1854% | 4,462 |
| Memoranda: | ||
| Average total assets | $147,497,000 | 4,006 |
| Average earning assets | $140,466,670 | 3,895 |
| Average equity | $12,211,330 | 4,624 |
| Average total loans | $76,468,000 | 4,559 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2555% | 7,199 |
| Cost of funding earning assets | 1.1065% | 5,873 |
| Net interest margin | 3.1490% | 6,456 |
| Noninterest income to average assets | 0.3252% | 5,554 |
| Noninterest expense to average assets | 2.2924% | 6,401 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0270% | 2,081 |
| Return on assets (ROA) | 1.0270% | 2,144 |
| Pretax return on assets | 1.0324% | 2,961 |
| Return on Equity (ROE) | 12.3826% | 1,394 |
| Retained earnings to average equity (ytd only) | -0.6861% | 5,991 |
| Net charge-offs to loans | 0.0209% | 5,289 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 95.2500% | 341 |
| Efficiency ratio | 68.9487% | 4,515 |
| Assets per employee ($millions) | 4.7471% | 2,575 |
| Cash dividends to net income (ytd only)* | 105.5409% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8520% | 6,986 |
| Loan loss allowance to noncurrent loans | 134.1004% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 6,640 |
| Noncurrent loans to loans | 0.6354% | 6,049 |
| Net loans and leases to total assets | 52.3762% | 6,234 |
| Net loans and leases to deposits | 58.4345% | 6,599 |
| Net loans and leases to core deposits | 59.8894% | 6,759 |
| Total domestic deposits to total assets | 89.6323% | 1,168 |
| Equity capital to assets | 8.5518% | 5,934 |
| Core capital (leverage) ratio | 7.7911% | 6,517 |
| Tier 1 risk-based capital ratio | 13.0904% | 4,268 |
| Total risk-based capital ratio | 13.8318% | 4,624 |
| Memoranda: | ||
| Average total assets | $147,621,000 | 4,049 |
| Average earning assets | $140,618,000 | 3,951 |
| Average equity | $12,243,000 | 4,647 |
| Average total loans | $76,499,000 | 4,628 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6278% | 7,246 |
| Cost of funding earning assets | 1.4091% | 5,893 |
| Net interest margin | 3.2187% | 6,027 |
| Noninterest income to average assets | 0.3924% | 5,271 |
| Noninterest expense to average assets | 2.5335% | 6,016 |
| Loan and lease loss provision to assets | 0.1761% | 5,935 |
| Net operating income to assets | 0.7165% | 2,872 |
| Return on assets (ROA) | 0.9060% | 2,221 |
| Pretax return on assets | 0.9074% | 2,901 |
| Return on Equity (ROE) | 10.2198% | 1,633 |
| Retained earnings to average equity (ytd only) | 2.7417% | 3,235 |
| Net charge-offs to loans | 0.0391% | 6,723 |
| Credit loss provision to net charge-offs | 862.0690% | 340 |
| Earnings coverage of net charge-offs (x) | 43.7586% | 570 |
| Efficiency ratio | 73.9157% | 3,913 |
| Assets per employee ($millions) | 5.0943% | 2,094 |
| Cash dividends to net income (ytd only)* | 73.1726% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8294% | 7,048 |
| Loan loss allowance to noncurrent loans | 82.3755% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.5123% | 6,173 |
| Noncurrent loans to loans | 1.0069% | 5,304 |
| Net loans and leases to total assets | 50.4626% | 6,583 |
| Net loans and leases to deposits | 55.8374% | 6,929 |
| Net loans and leases to core deposits | 60.4311% | 7,250 |
| Total domestic deposits to total assets | 90.3741% | 795 |
| Equity capital to assets | 8.0528% | 6,525 |
| Core capital (leverage) ratio | 7.5292% | 6,761 |
| Tier 1 risk-based capital ratio | 12.4622% | 4,554 |
| Total risk-based capital ratio | 13.1711% | 4,964 |
| Memoranda: | ||
| Average total assets | $141,939,400 | 4,078 |
| Average earning assets | $133,843,400 | 4,013 |
| Average equity | $12,583,400 | 4,615 |
| Average total loans | $74,172,000 | 4,722 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7411% | 7,221 |
| Cost of funding earning assets | 1.4845% | 5,886 |
| Net interest margin | 3.2566% | 5,806 |
| Noninterest income to average assets | 0.3994% | 5,291 |
| Noninterest expense to average assets | 2.4623% | 6,209 |
| Loan and lease loss provision to assets | 0.1915% | 5,464 |
| Net operating income to assets | 0.8026% | 2,806 |
| Return on assets (ROA) | 1.0602% | 1,926 |
| Pretax return on assets | 1.0621% | 2,701 |
| Return on Equity (ROE) | 11.6654% | 1,450 |
| Retained earnings to average equity (ytd only) | 4.2995% | 2,871 |
| Net charge-offs to loans | 0.0437% | 6,295 |
| Credit loss provision to net charge-offs | 833.3333% | 457 |
| Earnings coverage of net charge-offs (x) | 43.3322% | 708 |
| Efficiency ratio | 71.1991% | 4,387 |
| Assets per employee ($millions) | 5.1229% | 1,998 |
| Cash dividends to net income (ytd only)* | 63.1440% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8112% | 7,083 |
| Loan loss allowance to noncurrent loans | 99.3377% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.4066% | 6,437 |
| Noncurrent loans to loans | 0.8166% | 5,667 |
| Net loans and leases to total assets | 49.3838% | 6,834 |
| Net loans and leases to deposits | 54.9734% | 7,150 |
| Net loans and leases to core deposits | 59.5521% | 7,415 |
| Total domestic deposits to total assets | 89.8321% | 833 |
| Equity capital to assets | 8.4899% | 6,264 |
| Core capital (leverage) ratio | 7.7050% | 6,724 |
| Tier 1 risk-based capital ratio | 13.1217% | 4,108 |
| Total risk-based capital ratio | 13.8122% | 4,448 |
| Memoranda: | ||
| Average total assets | $139,217,250 | 4,156 |
| Average earning assets | $130,767,000 | 4,089 |
| Average equity | $12,652,500 | 4,616 |
| Average total loans | $73,273,500 | 4,801 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8876% | 7,062 |
| Cost of funding earning assets | 1.5340% | 6,002 |
| Net interest margin | 3.3536% | 5,349 |
| Noninterest income to average assets | 0.3453% | 5,742 |
| Noninterest expense to average assets | 2.5231% | 6,045 |
| Loan and lease loss provision to assets | 0.2939% | 4,212 |
| Net operating income to assets | 0.6671% | 3,401 |
| Return on assets (ROA) | 1.0624% | 1,981 |
| Pretax return on assets | 1.0654% | 2,750 |
| Return on Equity (ROE) | 11.4167% | 1,583 |
| Retained earnings to average equity (ytd only) | 0.3632% | 5,074 |
| Net charge-offs to loans | 0.0958% | 5,214 |
| Credit loss provision to net charge-offs | 571.4286% | 815 |
| Earnings coverage of net charge-offs (x) | 18.7429% | 1,394 |
| Efficiency ratio | 72.3557% | 4,338 |
| Assets per employee ($millions) | 4.7535% | 2,394 |
| Cash dividends to net income (ytd only)* | 96.8188% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8075% | 7,133 |
| Loan loss allowance to noncurrent loans | 83.4278% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.5121% | 6,151 |
| Noncurrent loans to loans | 0.9679% | 5,285 |
| Net loans and leases to total assets | 52.4838% | 6,625 |
| Net loans and leases to deposits | 58.5365% | 6,987 |
| Net loans and leases to core deposits | 63.5569% | 7,317 |
| Total domestic deposits to total assets | 89.6599% | 977 |
| Equity capital to assets | 8.9219% | 5,420 |
| Core capital (leverage) ratio | 7.9805% | 6,369 |
| Tier 1 risk-based capital ratio | 13.1128% | 4,059 |
| Total risk-based capital ratio | 13.8137% | 4,391 |
| Memoranda: | ||
| Average total assets | $136,101,330 | 4,258 |
| Average earning assets | $127,506,330 | 4,190 |
| Average equity | $12,665,670 | 4,639 |
| Average total loans | $73,042,330 | 4,837 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0161% | 6,890 |
| Cost of funding earning assets | 1.5854% | 6,089 |
| Net interest margin | 3.4308% | 5,009 |
| Noninterest income to average assets | 0.3254% | 5,851 |
| Noninterest expense to average assets | 2.3132% | 6,494 |
| Loan and lease loss provision to assets | 0.5916% | 2,131 |
| Net operating income to assets | 0.6153% | 3,956 |
| Return on assets (ROA) | 1.4110% | 1,198 |
| Pretax return on assets | 1.4169% | 1,917 |
| Return on Equity (ROE) | 14.8494% | 1,003 |
| Retained earnings to average equity (ytd only) | 2.3971% | 4,546 |
| Net charge-offs to loans | 0.0821% | 4,346 |
| Credit loss provision to net charge-offs | 1,333.3333% | 474 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 1,139 |
| Efficiency ratio | 65.6040% | 5,404 |
| Assets per employee ($millions) | 4.6784% | 2,467 |
| Cash dividends to net income (ytd only)* | 83.8574% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8467% | 6,984 |
| Loan loss allowance to noncurrent loans | 161.9681% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 6,675 |
| Noncurrent loans to loans | 0.5228% | 6,117 |
| Net loans and leases to total assets | 52.5661% | 6,626 |
| Net loans and leases to deposits | 59.0552% | 6,972 |
| Net loans and leases to core deposits | 64.3217% | 7,305 |
| Total domestic deposits to total assets | 89.0118% | 1,223 |
| Equity capital to assets | 9.3666% | 4,849 |
| Core capital (leverage) ratio | 8.2765% | 5,948 |
| Tier 1 risk-based capital ratio | 13.4531% | 3,896 |
| Total risk-based capital ratio | 14.1932% | 4,140 |
| Memoranda: | ||
| Average total assets | $135,226,000 | 4,309 |
| Average earning assets | $126,153,000 | 4,240 |
| Average equity | $12,849,000 | 4,613 |
| Average total loans | $73,094,000 | 4,868 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5296% | 7,226 |
| Cost of funding earning assets | 2.0424% | 6,272 |
| Net interest margin | 3.4872% | 5,340 |
| Noninterest income to average assets | 0.4173% | 5,320 |
| Noninterest expense to average assets | 2.6015% | 5,647 |
| Loan and lease loss provision to assets | 0.1792% | 5,103 |
| Net operating income to assets | 0.9102% | 2,958 |
| Return on assets (ROA) | 0.9102% | 2,806 |
| Pretax return on assets | 0.9118% | 3,686 |
| Return on Equity (ROE) | 9.5244% | 2,428 |
| Retained earnings to average equity (ytd only) | 2.1915% | 3,854 |
| Net charge-offs to loans | 0.3049% | 3,362 |
| Credit loss provision to net charge-offs | 104.6512% | 5,110 |
| Earnings coverage of net charge-offs (x) | 6.3721% | 3,370 |
| Efficiency ratio | 70.4550% | 4,259 |
| Assets per employee ($millions) | 4.4926% | 2,629 |
| Cash dividends to net income (ytd only)* | 76.9904% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5710% | 7,724 |
| Loan loss allowance to noncurrent loans | 92.5764% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.3398% | 6,244 |
| Noncurrent loans to loans | 0.6167% | 5,516 |
| Net loans and leases to total assets | 54.7838% | 6,568 |
| Net loans and leases to deposits | 61.7320% | 6,967 |
| Net loans and leases to core deposits | 67.3898% | 7,314 |
| Total domestic deposits to total assets | 88.7445% | 1,129 |
| Equity capital to assets | 9.6380% | 4,500 |
| Core capital (leverage) ratio | 8.4225% | 5,709 |
| Tier 1 risk-based capital ratio | 13.0889% | 4,062 |
| Total risk-based capital ratio | 13.5937% | 4,441 |
| Memoranda: | ||
| Average total assets | $125,582,400 | 4,384 |
| Average earning assets | $117,947,000 | 4,307 |
| Average equity | $12,000,800 | 4,824 |
| Average total loans | $70,516,400 | 4,849 |