Home > The Scottdale Bank & Trust Company > Performance and Condition Ratios
The Scottdale Bank & Trust Company, Performance and Condition Ratios
| 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 | 2.6567% | 5,509 |
| Cost of funding earning assets | 0.2047% | 4,905 |
| Net interest margin | 2.4520% | 5,436 |
| Noninterest income to average assets | 0.1471% | 5,214 |
| Noninterest expense to average assets | 2.1740% | 4,583 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2395% | 5,032 |
| Return on assets (ROA) | 2.2634% | 174 |
| Pretax return on assets | 2.7048% | 131 |
| Return on Equity (ROE) | 12.8989% | 975 |
| Retained earnings to average equity (ytd only) | 11.9108% | 182 |
| Net charge-offs to loans | 0.0183% | 3,491 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 64.7500% | 901 |
| Efficiency ratio | 88.0370% | 531 |
| Assets per employee ($millions) | 5.4320% | 2,012 |
| Cash dividends to net income (ytd only)* | 7.6600% | 3,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7743% | 4,899 |
| Loan loss allowance to noncurrent loans | 44.1993% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 0.6171% | 2,477 |
| Noncurrent loans to loans | 1.7518% | 919 |
| Net loans and leases to total assets | 26.5894% | 5,495 |
| Net loans and leases to deposits | 32.9102% | 5,479 |
| Net loans and leases to core deposits | 33.3260% | 5,495 |
| Total domestic deposits to total assets | 80.7939% | 4,170 |
| Equity capital to assets | 17.9029% | 323 |
| Core capital (leverage) ratio | 19.0065% | 233 |
| Tier 1 risk-based capital ratio | 35.6586% | 303 |
| Total risk-based capital ratio | 36.0468% | 319 |
| Memoranda: | ||
| Average total assets | $263,015,200 | 2,383 |
| Average earning assets | $249,105,200 | 2,351 |
| Average equity | $46,151,200 | 1,633 |
| Average total loans | $65,527,600 | 4,061 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6422% | 5,581 |
| Cost of funding earning assets | 0.2034% | 4,950 |
| Net interest margin | 2.4387% | 5,507 |
| Noninterest income to average assets | 0.1381% | 5,317 |
| Noninterest expense to average assets | 2.0967% | 4,741 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3413% | 5,133 |
| Return on assets (ROA) | 0.3865% | 5,053 |
| Pretax return on assets | 0.4052% | 5,179 |
| Return on Equity (ROE) | 2.2135% | 5,272 |
| Retained earnings to average equity (ytd only) | 2.2135% | 4,534 |
| Net charge-offs to loans | 0.0248% | 2,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 58.9150% | 1,002 |
| Efficiency ratio | 85.4287% | 658 |
| Assets per employee ($millions) | 5.5860% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8232% | 4,833 |
| Loan loss allowance to noncurrent loans | 42.3981% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 0.6195% | 2,662 |
| Noncurrent loans to loans | 1.9415% | 888 |
| Net loans and leases to total assets | 24.3098% | 5,599 |
| Net loans and leases to deposits | 29.7651% | 5,589 |
| Net loans and leases to core deposits | 30.1039% | 5,599 |
| Total domestic deposits to total assets | 81.6724% | 3,876 |
| Equity capital to assets | 17.4590% | 381 |
| Core capital (leverage) ratio | 16.9517% | 387 |
| Tier 1 risk-based capital ratio | 28.7301% | 533 |
| Total risk-based capital ratio | 30.9441% | 483 |
| Memoranda: | ||
| Average total assets | $263,585,250 | 2,404 |
| Average earning assets | $250,342,500 | 2,368 |
| Average equity | $46,019,250 | 1,650 |
| Average total loans | $64,442,250 | 4,118 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6243% | 5,627 |
| Cost of funding earning assets | 0.2028% | 4,951 |
| Net interest margin | 2.4215% | 5,553 |
| Noninterest income to average assets | 0.1427% | 5,345 |
| Noninterest expense to average assets | 2.0803% | 4,807 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3442% | 5,114 |
| Return on assets (ROA) | 0.4052% | 4,996 |
| Pretax return on assets | 0.4335% | 5,107 |
| Return on Equity (ROE) | 2.3211% | 5,276 |
| Retained earnings to average equity (ytd only) | 2.3211% | 4,287 |
| Net charge-offs to loans | 0.0344% | 2,501 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 43.8182% | 1,184 |
| Efficiency ratio | 84.9751% | 765 |
| Assets per employee ($millions) | 5.2900% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8427% | 4,833 |
| Loan loss allowance to noncurrent loans | 68.3480% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 0.4545% | 3,295 |
| Noncurrent loans to loans | 1.2329% | 1,573 |
| Net loans and leases to total assets | 24.6046% | 5,638 |
| Net loans and leases to deposits | 30.2410% | 5,626 |
| Net loans and leases to core deposits | 30.5987% | 5,636 |
| Total domestic deposits to total assets | 81.3616% | 4,087 |
| Equity capital to assets | 17.8402% | 334 |
| Core capital (leverage) ratio | 16.9227% | 376 |
| Tier 1 risk-based capital ratio | 30.0996% | 464 |
| Total risk-based capital ratio | 32.3013% | 429 |
| Memoranda: | ||
| Average total assets | $262,071,670 | 2,422 |
| Average earning assets | $249,510,670 | 2,383 |
| Average equity | $45,755,000 | 1,657 |
| Average total loans | $64,015,670 | 4,148 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5061% | 5,718 |
| Cost of funding earning assets | 0.2021% | 4,960 |
| Net interest margin | 2.3041% | 5,661 |
| Noninterest income to average assets | 0.1504% | 5,361 |
| Noninterest expense to average assets | 1.9308% | 5,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4360% | 4,836 |
| Return on assets (ROA) | 0.5119% | 4,580 |
| Pretax return on assets | 0.4952% | 4,979 |
| Return on Equity (ROE) | 2.9478% | 5,115 |
| Retained earnings to average equity (ytd only) | 2.9478% | 3,937 |
| Net charge-offs to loans | 0.0689% | 1,639 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 25.0909% | 1,337 |
| Efficiency ratio | 82.1590% | 1,144 |
| Assets per employee ($millions) | 5.2664% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8423% | 4,951 |
| Loan loss allowance to noncurrent loans | 80.6548% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 3,588 |
| Noncurrent loans to loans | 1.0443% | 1,969 |
| Net loans and leases to total assets | 24.2314% | 5,696 |
| Net loans and leases to deposits | 29.6239% | 5,682 |
| Net loans and leases to core deposits | 29.9668% | 5,692 |
| Total domestic deposits to total assets | 81.7967% | 4,220 |
| Equity capital to assets | 17.4525% | 345 |
| Core capital (leverage) ratio | 16.7876% | 382 |
| Tier 1 risk-based capital ratio | 30.1096% | 475 |
| Total risk-based capital ratio | 32.2465% | 444 |
| Memoranda: | ||
| Average total assets | $263,314,000 | 2,439 |
| Average earning assets | $251,383,000 | 2,387 |
| Average equity | $45,728,500 | 1,654 |
| Average total loans | $63,863,500 | 4,185 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6970% | 5,692 |
| Cost of funding earning assets | 0.2080% | 4,941 |
| Net interest margin | 2.4891% | 5,594 |
| Noninterest income to average assets | -0.1558% | 5,896 |
| Noninterest expense to average assets | 2.0692% | 5,056 |
| Loan and lease loss provision to assets | -0.0760% | 5,641 |
| Net operating income to assets | 0.1822% | 5,449 |
| Return on assets (ROA) | 0.2090% | 5,460 |
| Pretax return on assets | 0.2482% | 5,433 |
| Return on Equity (ROE) | 1.1933% | 5,536 |
| Retained earnings to average equity (ytd only) | -2.1088% | 5,545 |
| Net charge-offs to loans | 0.0048% | 4,079 |
| Credit loss provision to net charge-offs | -6,666.6667% | 5,468 |
| Earnings coverage of net charge-offs (x) | 123.0000% | 498 |
| Efficiency ratio | 93.6522% | 392 |
| Assets per employee ($millions) | 5.3736% | 1,985 |
| Cash dividends to net income (ytd only)* | 276.7273% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 4,890 |
| Loan loss allowance to noncurrent loans | 75.2381% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 0.4261% | 3,564 |
| Noncurrent loans to loans | 1.1597% | 1,768 |
| Net loans and leases to total assets | 23.8603% | 5,757 |
| Net loans and leases to deposits | 29.0880% | 5,747 |
| Net loans and leases to core deposits | 29.4238% | 5,758 |
| Total domestic deposits to total assets | 82.0279% | 4,071 |
| Equity capital to assets | 17.2805% | 355 |
| Core capital (leverage) ratio | 16.5829% | 393 |
| Tier 1 risk-based capital ratio | 29.2345% | 507 |
| Total risk-based capital ratio | 31.3380% | 473 |
| Memoranda: | ||
| Average total assets | $263,096,800 | 2,411 |
| Average earning assets | $250,014,800 | 2,355 |
| Average equity | $46,092,200 | 1,638 |
| Average total loans | $61,945,000 | 4,230 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7215% | 5,754 |
| Cost of funding earning assets | 0.2075% | 4,994 |
| Net interest margin | 2.5140% | 5,647 |
| Noninterest income to average assets | -0.2605% | 5,971 |
| Noninterest expense to average assets | 2.0782% | 5,044 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0066% | 5,713 |
| Return on assets (ROA) | 0.0122% | 5,731 |
| Pretax return on assets | 0.0527% | 5,710 |
| Return on Equity (ROE) | 0.0692% | 5,735 |
| Retained earnings to average equity (ytd only) | 0.0692% | 5,321 |
| Net charge-offs to loans | -0.0043% | 4,592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9221% | 263 |
| Assets per employee ($millions) | 5.3320% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 3,344 |
| Loan loss allowance to noncurrent loans | 37.7678% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 0.8882% | 2,338 |
| Noncurrent loans to loans | 3.1340% | 461 |
| Net loans and leases to total assets | 23.7362% | 5,825 |
| Net loans and leases to deposits | 28.9865% | 5,825 |
| Net loans and leases to core deposits | 29.3175% | 5,833 |
| Total domestic deposits to total assets | 81.8872% | 3,968 |
| Equity capital to assets | 17.4058% | 399 |
| Core capital (leverage) ratio | 16.9026% | 375 |
| Tier 1 risk-based capital ratio | 30.8852% | 450 |
| Total risk-based capital ratio | 32.7707% | 421 |
| Memoranda: | ||
| Average total assets | $263,044,000 | 2,415 |
| Average earning assets | $249,318,500 | 2,379 |
| Average equity | $46,240,000 | 1,645 |
| Average total loans | $61,586,500 | 4,272 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7122% | 5,838 |
| Cost of funding earning assets | 0.2079% | 5,072 |
| Net interest margin | 2.5043% | 5,739 |
| Noninterest income to average assets | 0.1321% | 5,654 |
| Noninterest expense to average assets | 2.0698% | 5,124 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4667% | 4,814 |
| Return on assets (ROA) | 0.4796% | 4,865 |
| Pretax return on assets | 0.4491% | 5,249 |
| Return on Equity (ROE) | 2.7195% | 5,328 |
| Retained earnings to average equity (ytd only) | 2.7195% | 4,176 |
| Net charge-offs to loans | -0.0033% | 4,450 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5968% | 1,202 |
| Assets per employee ($millions) | 5.1240% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 3,349 |
| Loan loss allowance to noncurrent loans | 67.7708% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 1.3030% | 1,549 |
| Noncurrent loans to loans | 1.7727% | 1,178 |
| Net loans and leases to total assets | 23.8225% | 5,895 |
| Net loans and leases to deposits | 29.2529% | 5,891 |
| Net loans and leases to core deposits | 29.5957% | 5,901 |
| Total domestic deposits to total assets | 81.4365% | 4,153 |
| Equity capital to assets | 17.9031% | 348 |
| Core capital (leverage) ratio | 17.1701% | 353 |
| Tier 1 risk-based capital ratio | 31.5840% | 433 |
| Total risk-based capital ratio | 33.3415% | 408 |
| Memoranda: | ||
| Average total assets | $261,858,330 | 2,445 |
| Average earning assets | $248,216,330 | 2,397 |
| Average equity | $46,185,330 | 1,642 |
| Average total loans | $60,769,000 | 4,319 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7059% | 5,905 |
| Cost of funding earning assets | 0.2086% | 5,119 |
| Net interest margin | 2.4972% | 5,808 |
| Noninterest income to average assets | 0.1175% | 5,756 |
| Noninterest expense to average assets | 2.0021% | 5,334 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4929% | 4,656 |
| Return on assets (ROA) | 0.4929% | 4,759 |
| Pretax return on assets | 0.4715% | 5,160 |
| Return on Equity (ROE) | 2.8157% | 5,295 |
| Retained earnings to average equity (ytd only) | 2.8157% | 4,109 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9377% | 1,491 |
| Assets per employee ($millions) | 5.1413% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 3,126 |
| Loan loss allowance to noncurrent loans | 88.1119% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.1998% | 1,821 |
| Noncurrent loans to loans | 1.4280% | 1,665 |
| Net loans and leases to total assets | 22.6273% | 5,961 |
| Net loans and leases to deposits | 27.6583% | 5,956 |
| Net loans and leases to core deposits | 27.9798% | 5,962 |
| Total domestic deposits to total assets | 81.8104% | 4,281 |
| Equity capital to assets | 17.5252% | 375 |
| Core capital (leverage) ratio | 17.0400% | 367 |
| Tier 1 risk-based capital ratio | 32.4877% | 411 |
| Total risk-based capital ratio | 34.3189% | 385 |
| Memoranda: | ||
| Average total assets | $262,125,500 | 2,449 |
| Average earning assets | $247,315,500 | 2,409 |
| Average equity | $45,885,500 | 1,643 |
| Average total loans | $59,648,000 | 4,383 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6632% | 5,943 |
| Cost of funding earning assets | 0.2782% | 4,501 |
| Net interest margin | 2.3850% | 5,897 |
| Noninterest income to average assets | 0.1289% | 5,767 |
| Noninterest expense to average assets | 2.1089% | 5,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2617% | 5,455 |
| Return on assets (ROA) | 0.3346% | 5,346 |
| Pretax return on assets | 0.3456% | 5,427 |
| Return on Equity (ROE) | 1.8857% | 5,594 |
| Retained earnings to average equity (ytd only) | 0.9052% | 5,160 |
| Net charge-offs to loans | -0.0017% | 4,860 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6324% | 786 |
| Assets per employee ($millions) | 5.1382% | 2,191 |
| Cash dividends to net income (ytd only)* | 51.9954% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 3,027 |
| Loan loss allowance to noncurrent loans | 92.1951% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.1861% | 1,836 |
| Noncurrent loans to loans | 1.3849% | 1,695 |
| Net loans and leases to total assets | 22.3068% | 6,028 |
| Net loans and leases to deposits | 27.2653% | 6,019 |
| Net loans and leases to core deposits | 27.5824% | 6,026 |
| Total domestic deposits to total assets | 81.8139% | 4,221 |
| Equity capital to assets | 17.4851% | 360 |
| Core capital (leverage) ratio | 16.9886% | 366 |
| Tier 1 risk-based capital ratio | 33.1761% | 391 |
| Total risk-based capital ratio | 35.2424% | 358 |
| Memoranda: | ||
| Average total assets | $262,122,400 | 2,406 |
| Average earning assets | $247,336,800 | 2,363 |
| Average equity | $46,508,200 | 1,591 |
| Average total loans | $59,246,600 | 4,395 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6239% | 6,044 |
| Cost of funding earning assets | 0.3004% | 4,334 |
| Net interest margin | 2.3235% | 6,020 |
| Noninterest income to average assets | 0.1221% | 5,866 |
| Noninterest expense to average assets | 2.0782% | 5,323 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2787% | 5,517 |
| Return on assets (ROA) | 0.3667% | 5,353 |
| Pretax return on assets | 0.3270% | 5,601 |
| Return on Equity (ROE) | 2.0593% | 5,652 |
| Retained earnings to average equity (ytd only) | 2.0593% | 4,848 |
| Net charge-offs to loans | -0.0022% | 4,713 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6839% | 723 |
| Assets per employee ($millions) | 5.1713% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 3,128 |
| Loan loss allowance to noncurrent loans | 237.7358% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.9968% | 2,369 |
| Noncurrent loans to loans | 0.5447% | 3,709 |
| Net loans and leases to total assets | 21.8478% | 6,117 |
| Net loans and leases to deposits | 26.7736% | 6,119 |
| Net loans and leases to core deposits | 27.0679% | 6,125 |
| Total domestic deposits to total assets | 81.6019% | 4,288 |
| Equity capital to assets | 17.5954% | 378 |
| Core capital (leverage) ratio | 17.1529% | 367 |
| Tier 1 risk-based capital ratio | 34.3246% | 371 |
| Total risk-based capital ratio | 36.4009% | 345 |
| Memoranda: | ||
| Average total assets | $262,141,500 | 2,423 |
| Average earning assets | $247,662,250 | 2,379 |
| Average equity | $46,680,500 | 1,590 |
| Average total loans | $59,255,750 | 4,445 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6595% | 6,093 |
| Cost of funding earning assets | 0.3456% | 3,866 |
| Net interest margin | 2.3140% | 6,091 |
| Noninterest income to average assets | 0.1238% | 5,932 |
| Noninterest expense to average assets | 2.0137% | 5,505 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4686% | 4,899 |
| Return on assets (ROA) | 0.5588% | 4,630 |
| Pretax return on assets | 0.3914% | 5,482 |
| Return on Equity (ROE) | 3.1258% | 5,369 |
| Retained earnings to average equity (ytd only) | 3.1258% | 4,062 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9881% | 983 |
| Assets per employee ($millions) | 5.1491% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 3,399 |
| Loan loss allowance to noncurrent loans | 265.8451% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.9794% | 2,567 |
| Noncurrent loans to loans | 0.4776% | 4,040 |
| Net loans and leases to total assets | 22.3540% | 6,186 |
| Net loans and leases to deposits | 27.3414% | 6,179 |
| Net loans and leases to core deposits | 27.6426% | 6,187 |
| Total domestic deposits to total assets | 81.7590% | 4,371 |
| Equity capital to assets | 17.6801% | 367 |
| Core capital (leverage) ratio | 17.0910% | 358 |
| Tier 1 risk-based capital ratio | 36.0034% | 337 |
| Total risk-based capital ratio | 36.6078% | 353 |
| Memoranda: | ||
| Average total assets | $261,610,670 | 2,444 |
| Average earning assets | $247,712,670 | 2,391 |
| Average equity | $46,772,330 | 1,593 |
| Average total loans | $59,549,000 | 4,480 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7557% | 6,096 |
| Cost of funding earning assets | 0.3408% | 3,975 |
| Net interest margin | 2.4148% | 6,088 |
| Noninterest income to average assets | 0.1210% | 5,999 |
| Noninterest expense to average assets | 1.7801% | 5,925 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7277% | 3,656 |
| Return on assets (ROA) | 0.7277% | 3,794 |
| Pretax return on assets | 0.6311% | 4,828 |
| Return on Equity (ROE) | 4.0474% | 4,961 |
| Retained earnings to average equity (ytd only) | 4.0474% | 3,577 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8247% | 2,843 |
| Assets per employee ($millions) | 5.2543% | 2,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 3,574 |
| Loan loss allowance to noncurrent loans | 264.9123% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.9798% | 2,658 |
| Noncurrent loans to loans | 0.4798% | 4,139 |
| Net loans and leases to total assets | 22.3208% | 6,244 |
| Net loans and leases to deposits | 27.3158% | 6,230 |
| Net loans and leases to core deposits | 27.6169% | 6,242 |
| Total domestic deposits to total assets | 81.7136% | 4,600 |
| Equity capital to assets | 17.9891% | 333 |
| Core capital (leverage) ratio | 17.2036% | 344 |
| Tier 1 risk-based capital ratio | 36.4807% | 325 |
| Total risk-based capital ratio | 37.0966% | 337 |
| Memoranda: | ||
| Average total assets | $261,113,000 | 2,462 |
| Average earning assets | $247,636,500 | 2,402 |
| Average equity | $46,944,000 | 1,594 |
| Average total loans | $59,594,500 | 4,503 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8478% | 6,169 |
| Cost of funding earning assets | 0.3503% | 4,250 |
| Net interest margin | 2.4975% | 6,159 |
| Noninterest income to average assets | 0.1411% | 5,993 |
| Noninterest expense to average assets | 1.9034% | 5,936 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6209% | 4,269 |
| Return on assets (ROA) | 0.7180% | 3,911 |
| Pretax return on assets | 0.7002% | 4,631 |
| Return on Equity (ROE) | 4.0648% | 5,085 |
| Retained earnings to average equity (ytd only) | 3.0699% | 4,055 |
| Net charge-offs to loans | 0.0017% | 4,944 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1,565.0000% | 21 |
| Efficiency ratio | 75.9379% | 2,519 |
| Assets per employee ($millions) | 4.8964% | 2,461 |
| Cash dividends to net income (ytd only)* | 24.4767% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 3,645 |
| Loan loss allowance to noncurrent loans | 121.9709% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 1.1206% | 2,511 |
| Noncurrent loans to loans | 1.0352% | 2,753 |
| Net loans and leases to total assets | 22.7501% | 6,335 |
| Net loans and leases to deposits | 27.8230% | 6,325 |
| Net loans and leases to core deposits | 28.1332% | 6,330 |
| Total domestic deposits to total assets | 81.7672% | 4,502 |
| Equity capital to assets | 17.9676% | 319 |
| Core capital (leverage) ratio | 17.0599% | 361 |
| Tier 1 risk-based capital ratio | 35.7753% | 321 |
| Total risk-based capital ratio | 36.3858% | 331 |
| Memoranda: | ||
| Average total assets | $259,482,200 | 2,433 |
| Average earning assets | $245,767,400 | 2,378 |
| Average equity | $45,832,400 | 1,569 |
| Average total loans | $60,027,400 | 4,490 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8548% | 6,246 |
| Cost of funding earning assets | 0.3507% | 4,336 |
| Net interest margin | 2.5041% | 6,220 |
| Noninterest income to average assets | 0.1403% | 6,077 |
| Noninterest expense to average assets | 1.8940% | 5,961 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7081% | 3,898 |
| Return on assets (ROA) | 0.8139% | 3,460 |
| Pretax return on assets | 0.7225% | 4,623 |
| Return on Equity (ROE) | 4.6281% | 4,888 |
| Retained earnings to average equity (ytd only) | 4.6281% | 3,338 |
| Net charge-offs to loans | 0.0155% | 4,235 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 171.4855% | 363 |
| Efficiency ratio | 75.4400% | 2,586 |
| Assets per employee ($millions) | 5.5387% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 3,817 |
| Loan loss allowance to noncurrent loans | 190.5852% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 1.0303% | 2,900 |
| Noncurrent loans to loans | 0.6661% | 3,944 |
| Net loans and leases to total assets | 22.3760% | 6,415 |
| Net loans and leases to deposits | 27.3027% | 6,404 |
| Net loans and leases to core deposits | 27.6055% | 6,415 |
| Total domestic deposits to total assets | 81.9552% | 4,492 |
| Equity capital to assets | 17.8723% | 348 |
| Core capital (leverage) ratio | 17.0464% | 368 |
| Tier 1 risk-based capital ratio | 36.5357% | 309 |
| Total risk-based capital ratio | 37.1517% | 323 |
| Memoranda: | ||
| Average total assets | $259,475,000 | 2,456 |
| Average earning assets | $245,615,250 | 2,395 |
| Average equity | $45,633,500 | 1,577 |
| Average total loans | $60,085,750 | 4,525 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9196% | 6,242 |
| Cost of funding earning assets | 0.3497% | 4,441 |
| Net interest margin | 2.5699% | 6,207 |
| Noninterest income to average assets | 0.1404% | 6,119 |
| Noninterest expense to average assets | 1.8874% | 6,018 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7678% | 3,472 |
| Return on assets (ROA) | 0.8658% | 3,066 |
| Pretax return on assets | 0.7840% | 4,335 |
| Return on Equity (ROE) | 4.9497% | 4,697 |
| Retained earnings to average equity (ytd only) | 4.9497% | 2,991 |
| Net charge-offs to loans | -0.0033% | 5,114 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3433% | 3,098 |
| Assets per employee ($millions) | 5.5050% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 4,036 |
| Loan loss allowance to noncurrent loans | 324.8927% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.9748% | 3,119 |
| Noncurrent loans to loans | 0.3905% | 4,823 |
| Net loans and leases to total assets | 22.7714% | 6,474 |
| Net loans and leases to deposits | 27.8975% | 6,461 |
| Net loans and leases to core deposits | 28.2101% | 6,468 |
| Total domestic deposits to total assets | 81.6251% | 4,774 |
| Equity capital to assets | 18.0433% | 324 |
| Core capital (leverage) ratio | 16.9590% | 362 |
| Tier 1 risk-based capital ratio | 36.3156% | 313 |
| Total risk-based capital ratio | 36.9409% | 321 |
| Memoranda: | ||
| Average total assets | $259,193,670 | 2,461 |
| Average earning assets | $245,376,670 | 2,393 |
| Average equity | $45,336,330 | 1,578 |
| Average total loans | $60,448,330 | 4,533 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8932% | 6,333 |
| Cost of funding earning assets | 0.3474% | 4,563 |
| Net interest margin | 2.5459% | 6,292 |
| Noninterest income to average assets | 0.1419% | 6,126 |
| Noninterest expense to average assets | 1.7593% | 6,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8295% | 3,007 |
| Return on assets (ROA) | 0.9220% | 2,612 |
| Pretax return on assets | 0.8820% | 3,768 |
| Return on Equity (ROE) | 5.3557% | 4,358 |
| Retained earnings to average equity (ytd only) | 5.3557% | 2,883 |
| Net charge-offs to loans | -0.0066% | 4,891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0260% | 4,002 |
| Assets per employee ($millions) | 5.5450% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2548% | 4,354 |
| Loan loss allowance to noncurrent loans | 274.2754% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.9577% | 3,337 |
| Noncurrent loans to loans | 0.4575% | 4,783 |
| Net loans and leases to total assets | 22.8582% | 6,526 |
| Net loans and leases to deposits | 27.8507% | 6,512 |
| Net loans and leases to core deposits | 28.1587% | 6,527 |
| Total domestic deposits to total assets | 82.0743% | 4,919 |
| Equity capital to assets | 17.2922% | 367 |
| Core capital (leverage) ratio | 17.1402% | 355 |
| Tier 1 risk-based capital ratio | 36.1918% | 311 |
| Total risk-based capital ratio | 36.8122% | 326 |
| Memoranda: | ||
| Average total assets | $259,424,000 | 2,461 |
| Average earning assets | $245,261,000 | 2,395 |
| Average equity | $44,662,500 | 1,590 |
| Average total loans | $60,835,500 | 4,555 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0627% | 6,277 |
| Cost of funding earning assets | 0.3542% | 5,096 |
| Net interest margin | 2.7085% | 6,126 |
| Noninterest income to average assets | 0.1053% | 6,370 |
| Noninterest expense to average assets | 1.8910% | 6,201 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7875% | 3,356 |
| Return on assets (ROA) | 0.8579% | 3,070 |
| Pretax return on assets | 0.8396% | 3,998 |
| Return on Equity (ROE) | 5.0660% | 4,595 |
| Retained earnings to average equity (ytd only) | 4.1344% | 3,229 |
| Net charge-offs to loans | -0.0031% | 5,885 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0822% | 3,652 |
| Assets per employee ($millions) | 5.4943% | 1,656 |
| Cash dividends to net income (ytd only)* | 18.3877% | 3,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 4,488 |
| Loan loss allowance to noncurrent loans | 1,021.6216% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.8802% | 3,691 |
| Noncurrent loans to loans | 0.1206% | 5,842 |
| Net loans and leases to total assets | 23.4618% | 6,614 |
| Net loans and leases to deposits | 28.5281% | 6,609 |
| Net loans and leases to core deposits | 28.8459% | 6,616 |
| Total domestic deposits to total assets | 82.2408% | 4,792 |
| Equity capital to assets | 17.1392% | 384 |
| Core capital (leverage) ratio | 16.8240% | 392 |
| Tier 1 risk-based capital ratio | 35.4961% | 310 |
| Total risk-based capital ratio | 36.1121% | 332 |
| Memoranda: | ||
| Average total assets | $257,381,400 | 2,458 |
| Average earning assets | $242,795,400 | 2,404 |
| Average equity | $43,585,000 | 1,608 |
| Average total loans | $63,764,600 | 4,489 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0713% | 6,349 |
| Cost of funding earning assets | 0.3530% | 5,266 |
| Net interest margin | 2.7183% | 6,141 |
| Noninterest income to average assets | 0.0881% | 6,514 |
| Noninterest expense to average assets | 1.8747% | 6,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7958% | 3,368 |
| Return on assets (ROA) | 0.8596% | 3,160 |
| Pretax return on assets | 0.8404% | 4,139 |
| Return on Equity (ROE) | 5.0916% | 4,680 |
| Retained earnings to average equity (ytd only) | 5.0916% | 3,011 |
| Net charge-offs to loans | 0.0021% | 5,173 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1,501.7143% | 19 |
| Efficiency ratio | 70.7079% | 3,642 |
| Assets per employee ($millions) | 5.5293% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 4,734 |
| Loan loss allowance to noncurrent loans | 75,300.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.8985% | 3,891 |
| Noncurrent loans to loans | 0.0016% | 6,400 |
| Net loans and leases to total assets | 23.2469% | 6,701 |
| Net loans and leases to deposits | 28.2457% | 6,694 |
| Net loans and leases to core deposits | 28.5581% | 6,699 |
| Total domestic deposits to total assets | 82.3023% | 4,828 |
| Equity capital to assets | 16.9362% | 427 |
| Core capital (leverage) ratio | 16.8783% | 395 |
| Tier 1 risk-based capital ratio | 35.5976% | 327 |
| Total risk-based capital ratio | 36.2149% | 330 |
| Memoranda: | ||
| Average total assets | $257,168,500 | 2,479 |
| Average earning assets | $242,496,000 | 2,420 |
| Average equity | $43,416,500 | 1,622 |
| Average total loans | $64,370,250 | 4,517 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0973% | 6,344 |
| Cost of funding earning assets | 0.3509% | 5,398 |
| Net interest margin | 2.7464% | 6,103 |
| Noninterest income to average assets | 0.0593% | 6,642 |
| Noninterest expense to average assets | 1.8340% | 6,320 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8296% | 3,150 |
| Return on assets (ROA) | 0.9162% | 2,855 |
| Pretax return on assets | 0.9022% | 3,904 |
| Return on Equity (ROE) | 5.4330% | 4,502 |
| Retained earnings to average equity (ytd only) | 5.4330% | 2,785 |
| Net charge-offs to loans | 0.0153% | 4,536 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 209.0000% | 250 |
| Efficiency ratio | 69.2194% | 3,974 |
| Assets per employee ($millions) | 5.3296% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 4,962 |
| Loan loss allowance to noncurrent loans | 24,933.3333% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.9526% | 3,880 |
| Noncurrent loans to loans | 0.0048% | 6,434 |
| Net loans and leases to total assets | 23.9660% | 6,722 |
| Net loans and leases to deposits | 29.0778% | 6,719 |
| Net loans and leases to core deposits | 29.3478% | 6,731 |
| Total domestic deposits to total assets | 82.4201% | 4,906 |
| Equity capital to assets | 16.9298% | 423 |
| Core capital (leverage) ratio | 16.7909% | 394 |
| Tier 1 risk-based capital ratio | 35.1999% | 333 |
| Total risk-based capital ratio | 35.8131% | 346 |
| Memoranda: | ||
| Average total assets | $256,266,000 | 2,495 |
| Average earning assets | $241,696,670 | 2,433 |
| Average equity | $43,217,670 | 1,629 |
| Average total loans | $65,438,330 | 4,482 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1806% | 6,314 |
| Cost of funding earning assets | 0.3486% | 5,549 |
| Net interest margin | 2.8320% | 5,968 |
| Noninterest income to average assets | 0.1435% | 6,389 |
| Noninterest expense to average assets | 1.7607% | 6,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0245% | 2,130 |
| Return on assets (ROA) | 1.0698% | 2,078 |
| Pretax return on assets | 1.1026% | 2,942 |
| Return on Equity (ROE) | 6.3560% | 3,852 |
| Retained earnings to average equity (ytd only) | 6.3560% | 2,483 |
| Net charge-offs to loans | 0.0536% | 3,288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 75.2222% | 490 |
| Efficiency ratio | 62.5138% | 5,236 |
| Assets per employee ($millions) | 5.5697% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 5,571 |
| Loan loss allowance to noncurrent loans | 163.0197% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 1.1108% | 3,712 |
| Noncurrent loans to loans | 0.6795% | 4,767 |
| Net loans and leases to total assets | 25.9602% | 6,731 |
| Net loans and leases to deposits | 31.4302% | 6,705 |
| Net loans and leases to core deposits | 31.7210% | 6,728 |
| Total domestic deposits to total assets | 82.5962% | 4,993 |
| Equity capital to assets | 16.9698% | 427 |
| Core capital (leverage) ratio | 16.6609% | 388 |
| Tier 1 risk-based capital ratio | 33.3913% | 397 |
| Total risk-based capital ratio | 33.9770% | 413 |
| Memoranda: | ||
| Average total assets | $256,488,500 | 2,524 |
| Average earning assets | $242,090,500 | 2,452 |
| Average equity | $43,171,500 | 1,651 |
| Average total loans | $67,128,500 | 4,449 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3352% | 6,556 |
| Cost of funding earning assets | 0.5115% | 5,138 |
| Net interest margin | 2.8236% | 6,358 |
| Noninterest income to average assets | 0.1780% | 6,126 |
| Noninterest expense to average assets | 2.0192% | 6,290 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8680% | 2,967 |
| Return on assets (ROA) | 0.9162% | 2,980 |
| Pretax return on assets | 0.8595% | 4,069 |
| Return on Equity (ROE) | 5.3139% | 4,526 |
| Retained earnings to average equity (ytd only) | 3.5285% | 3,735 |
| Net charge-offs to loans | -0.0015% | 6,317 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3347% | 3,559 |
| Assets per employee ($millions) | 5.3494% | 1,842 |
| Cash dividends to net income (ytd only)* | 33.5982% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 5,454 |
| Loan loss allowance to noncurrent loans | 133.6879% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 1.1582% | 3,725 |
| Noncurrent loans to loans | 0.8418% | 4,507 |
| Net loans and leases to total assets | 25.7998% | 6,812 |
| Net loans and leases to deposits | 31.2971% | 6,804 |
| Net loans and leases to core deposits | 31.5866% | 6,816 |
| Total domestic deposits to total assets | 82.4352% | 4,950 |
| Equity capital to assets | 16.6940% | 453 |
| Core capital (leverage) ratio | 16.4287% | 400 |
| Tier 1 risk-based capital ratio | 33.2739% | 388 |
| Total risk-based capital ratio | 33.8743% | 404 |
| Memoranda: | ||
| Average total assets | $247,223,600 | 2,555 |
| Average earning assets | $232,252,800 | 2,482 |
| Average equity | $42,623,800 | 1,634 |
| Average total loans | $66,087,000 | 4,499 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3951% | 6,634 |
| Cost of funding earning assets | 0.5114% | 5,362 |
| Net interest margin | 2.8837% | 6,388 |
| Noninterest income to average assets | 0.1666% | 6,306 |
| Noninterest expense to average assets | 2.0242% | 6,317 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9285% | 2,836 |
| Return on assets (ROA) | 0.9737% | 2,861 |
| Pretax return on assets | 0.8931% | 4,133 |
| Return on Equity (ROE) | 5.6009% | 4,532 |
| Retained earnings to average equity (ytd only) | 4.4889% | 3,737 |
| Net charge-offs to loans | -0.0061% | 6,295 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4778% | 3,600 |
| Assets per employee ($millions) | 5.2811% | 1,847 |
| Cash dividends to net income (ytd only)* | 19.8545% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1639% | 5,460 |
| Loan loss allowance to noncurrent loans | 109.5652% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 1.4221% | 3,473 |
| Noncurrent loans to loans | 1.0623% | 4,313 |
| Net loans and leases to total assets | 25.3253% | 6,934 |
| Net loans and leases to deposits | 30.8512% | 6,935 |
| Net loans and leases to core deposits | 31.0512% | 6,947 |
| Total domestic deposits to total assets | 82.0883% | 4,988 |
| Equity capital to assets | 16.9424% | 467 |
| Core capital (leverage) ratio | 16.6921% | 403 |
| Tier 1 risk-based capital ratio | 33.4655% | 398 |
| Total risk-based capital ratio | 34.0720% | 409 |
| Memoranda: | ||
| Average total assets | $244,837,250 | 2,603 |
| Average earning assets | $229,697,000 | 2,530 |
| Average equity | $42,563,500 | 1,653 |
| Average total loans | $65,858,750 | 4,554 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4677% | 6,642 |
| Cost of funding earning assets | 0.5106% | 5,551 |
| Net interest margin | 2.9571% | 6,323 |
| Noninterest income to average assets | 0.1810% | 6,269 |
| Noninterest expense to average assets | 2.0979% | 6,234 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9126% | 2,849 |
| Return on assets (ROA) | 0.9151% | 3,097 |
| Pretax return on assets | 0.8622% | 4,225 |
| Return on Equity (ROE) | 5.2174% | 4,696 |
| Retained earnings to average equity (ytd only) | 3.5442% | 4,238 |
| Net charge-offs to loans | -0.0060% | 6,200 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9335% | 3,609 |
| Assets per employee ($millions) | 5.2592% | 1,856 |
| Cash dividends to net income (ytd only)* | 32.0687% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 5,518 |
| Loan loss allowance to noncurrent loans | 110.0583% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 1.4576% | 3,525 |
| Noncurrent loans to loans | 1.0564% | 4,402 |
| Net loans and leases to total assets | 25.9662% | 6,982 |
| Net loans and leases to deposits | 31.6036% | 6,972 |
| Net loans and leases to core deposits | 31.8135% | 6,993 |
| Total domestic deposits to total assets | 82.1622% | 5,068 |
| Equity capital to assets | 17.0372% | 439 |
| Core capital (leverage) ratio | 16.7605% | 384 |
| Tier 1 risk-based capital ratio | 33.4718% | 388 |
| Total risk-based capital ratio | 34.0819% | 397 |
| Memoranda: | ||
| Average total assets | $241,951,670 | 2,638 |
| Average earning assets | $227,183,000 | 2,557 |
| Average equity | $42,435,330 | 1,645 |
| Average total loans | $66,160,330 | 4,554 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5480% | 6,636 |
| Cost of funding earning assets | 0.5074% | 5,767 |
| Net interest margin | 3.0406% | 6,210 |
| Noninterest income to average assets | 0.1554% | 6,467 |
| Noninterest expense to average assets | 1.8869% | 6,668 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0797% | 2,172 |
| Return on assets (ROA) | 1.0797% | 2,353 |
| Pretax return on assets | 1.1231% | 3,227 |
| Return on Equity (ROE) | 6.0662% | 4,249 |
| Retained earnings to average equity (ytd only) | 2.7326% | 4,892 |
| Net charge-offs to loans | -0.0060% | 5,829 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6874% | 5,153 |
| Assets per employee ($millions) | 5.1052% | 2,116 |
| Cash dividends to net income (ytd only)* | 54.9536% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 5,582 |
| Loan loss allowance to noncurrent loans | 57.2513% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 1.4997% | 3,615 |
| Noncurrent loans to loans | 2.0633% | 3,074 |
| Net loans and leases to total assets | 25.7405% | 7,048 |
| Net loans and leases to deposits | 31.4547% | 7,021 |
| Net loans and leases to core deposits | 31.6663% | 7,042 |
| Total domestic deposits to total assets | 81.8335% | 5,352 |
| Equity capital to assets | 17.5189% | 377 |
| Core capital (leverage) ratio | 17.2244% | 340 |
| Tier 1 risk-based capital ratio | 33.4025% | 381 |
| Total risk-based capital ratio | 34.0187% | 394 |
| Memoranda: | ||
| Average total assets | $239,336,000 | 2,676 |
| Average earning assets | $224,691,000 | 2,605 |
| Average equity | $42,596,500 | 1,634 |
| Average total loans | $66,771,000 | 4,554 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6824% | 6,865 |
| Cost of funding earning assets | 0.5477% | 6,350 |
| Net interest margin | 3.1347% | 6,259 |
| Noninterest income to average assets | 0.1781% | 6,217 |
| Noninterest expense to average assets | 2.1320% | 6,425 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9835% | 2,265 |
| Return on assets (ROA) | 1.0006% | 2,339 |
| Pretax return on assets | 1.0002% | 3,246 |
| Return on Equity (ROE) | 5.5662% | 4,094 |
| Retained earnings to average equity (ytd only) | 4.8263% | 2,764 |
| Net charge-offs to loans | 0.0061% | 6,346 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 561.7500% | 56 |
| Efficiency ratio | 68.4410% | 4,267 |
| Assets per employee ($millions) | 4.7678% | 2,489 |
| Cash dividends to net income (ytd only)* | 13.2925% | 3,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 5,885 |
| Loan loss allowance to noncurrent loans | 65.6495% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 1.5123% | 3,684 |
| Noncurrent loans to loans | 1.6454% | 3,696 |
| Net loans and leases to total assets | 29.5169% | 7,029 |
| Net loans and leases to deposits | 36.2679% | 6,987 |
| Net loans and leases to core deposits | 36.5253% | 7,028 |
| Total domestic deposits to total assets | 81.3857% | 5,329 |
| Equity capital to assets | 18.0903% | 343 |
| Core capital (leverage) ratio | 17.3869% | 338 |
| Tier 1 risk-based capital ratio | 32.3522% | 416 |
| Total risk-based capital ratio | 32.9525% | 429 |
| Memoranda: | ||
| Average total assets | $228,563,800 | 2,741 |
| Average earning assets | $214,151,800 | 2,681 |
| Average equity | $41,087,000 | 1,631 |
| Average total loans | $65,204,600 | 4,669 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6411% | 6,986 |
| Cost of funding earning assets | 0.5547% | 6,499 |
| Net interest margin | 3.0864% | 6,413 |
| Noninterest income to average assets | 0.1578% | 6,465 |
| Noninterest expense to average assets | 2.0730% | 6,544 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9860% | 2,374 |
| Return on assets (ROA) | 0.9860% | 2,527 |
| Pretax return on assets | 0.9767% | 3,489 |
| Return on Equity (ROE) | 5.4943% | 4,291 |
| Retained earnings to average equity (ytd only) | 4.5006% | 3,520 |
| Net charge-offs to loans | 0.0083% | 6,045 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 416.4991% | 89 |
| Efficiency ratio | 67.9746% | 4,320 |
| Assets per employee ($millions) | 4.9260% | 2,287 |
| Cash dividends to net income (ytd only)* | 18.0843% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 5,654 |
| Loan loss allowance to noncurrent loans | 55.4492% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 1.5839% | 3,715 |
| Noncurrent loans to loans | 2.0850% | 3,261 |
| Net loans and leases to total assets | 27.8067% | 7,153 |
| Net loans and leases to deposits | 34.1054% | 7,128 |
| Net loans and leases to core deposits | 34.4043% | 7,156 |
| Total domestic deposits to total assets | 81.5319% | 5,243 |
| Equity capital to assets | 17.8591% | 407 |
| Core capital (leverage) ratio | 17.3083% | 369 |
| Tier 1 risk-based capital ratio | 32.3868% | 441 |
| Total risk-based capital ratio | 32.9968% | 456 |
| Memoranda: | ||
| Average total assets | $227,299,250 | 2,761 |
| Average earning assets | $212,972,000 | 2,705 |
| Average equity | $40,793,000 | 1,649 |
| Average total loans | $64,078,000 | 4,746 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6497% | 7,060 |
| Cost of funding earning assets | 0.5579% | 6,632 |
| Net interest margin | 3.0918% | 6,425 |
| Noninterest income to average assets | 0.1594% | 6,520 |
| Noninterest expense to average assets | 1.9806% | 6,834 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0625% | 1,991 |
| Return on assets (ROA) | 1.0625% | 2,087 |
| Pretax return on assets | 1.0784% | 2,939 |
| Return on Equity (ROE) | 5.9102% | 4,012 |
| Retained earnings to average equity (ytd only) | 4.4129% | 3,384 |
| Net charge-offs to loans | 0.0157% | 5,624 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 243.6000% | 140 |
| Efficiency ratio | 64.7467% | 5,102 |
| Assets per employee ($millions) | 4.8688% | 2,304 |
| Cash dividends to net income (ytd only)* | 25.3333% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 5,501 |
| Loan loss allowance to noncurrent loans | 62.4585% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 1.5505% | 3,869 |
| Noncurrent loans to loans | 1.9382% | 3,555 |
| Net loans and leases to total assets | 26.8177% | 7,268 |
| Net loans and leases to deposits | 33.1604% | 7,243 |
| Net loans and leases to core deposits | 33.4569% | 7,266 |
| Total domestic deposits to total assets | 80.8726% | 5,573 |
| Equity capital to assets | 18.0048% | 381 |
| Core capital (leverage) ratio | 17.2139% | 388 |
| Tier 1 risk-based capital ratio | 33.7239% | 391 |
| Total risk-based capital ratio | 34.3679% | 403 |
| Memoranda: | ||
| Average total assets | $225,891,330 | 2,796 |
| Average earning assets | $211,851,000 | 2,736 |
| Average equity | $40,608,000 | 1,649 |
| Average total loans | $63,726,670 | 4,809 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7274% | 7,037 |
| Cost of funding earning assets | 0.5566% | 6,776 |
| Net interest margin | 3.1708% | 6,165 |
| Noninterest income to average assets | 0.1533% | 6,624 |
| Noninterest expense to average assets | 1.9178% | 6,960 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1372% | 1,714 |
| Return on assets (ROA) | 1.1372% | 1,757 |
| Pretax return on assets | 1.2102% | 2,336 |
| Return on Equity (ROE) | 6.3307% | 3,714 |
| Retained earnings to average equity (ytd only) | 3.3142% | 4,197 |
| Net charge-offs to loans | 0.0310% | 4,666 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 135.8000% | 233 |
| Efficiency ratio | 61.3105% | 5,795 |
| Assets per employee ($millions) | 4.6382% | 2,677 |
| Cash dividends to net income (ytd only)* | 47.6489% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 5,753 |
| Loan loss allowance to noncurrent loans | 72.4470% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 1.4542% | 4,085 |
| Noncurrent loans to loans | 1.6203% | 4,046 |
| Net loans and leases to total assets | 27.8576% | 7,301 |
| Net loans and leases to deposits | 34.2943% | 7,264 |
| Net loans and leases to core deposits | 34.6016% | 7,294 |
| Total domestic deposits to total assets | 81.2311% | 5,597 |
| Equity capital to assets | 17.7168% | 385 |
| Core capital (leverage) ratio | 17.2609% | 378 |
| Tier 1 risk-based capital ratio | 33.0200% | 401 |
| Total risk-based capital ratio | 33.6597% | 411 |
| Memoranda: | ||
| Average total assets | $224,420,000 | 2,832 |
| Average earning assets | $210,549,000 | 2,774 |
| Average equity | $40,311,500 | 1,654 |
| Average total loans | $64,530,000 | 4,822 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0007% | 7,134 |
| Cost of funding earning assets | 0.9562% | 5,904 |
| Net interest margin | 3.0446% | 6,650 |
| Noninterest income to average assets | 0.1996% | 6,350 |
| Noninterest expense to average assets | 2.3828% | 6,134 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6461% | 3,460 |
| Return on assets (ROA) | 0.6757% | 3,459 |
| Pretax return on assets | 0.6686% | 4,098 |
| Return on Equity (ROE) | 3.4952% | 4,758 |
| Retained earnings to average equity (ytd only) | 2.7427% | 3,936 |
| Net charge-offs to loans | 0.0140% | 6,689 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 148.3333% | 168 |
| Efficiency ratio | 78.8565% | 2,555 |
| Assets per employee ($millions) | 4.5218% | 2,827 |
| Cash dividends to net income (ytd only)* | 21.5297% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 5,666 |
| Loan loss allowance to noncurrent loans | 70.0278% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.4993% | 4,068 |
| Noncurrent loans to loans | 1.6632% | 4,005 |
| Net loans and leases to total assets | 28.9926% | 7,380 |
| Net loans and leases to deposits | 35.9226% | 7,346 |
| Net loans and leases to core deposits | 36.2551% | 7,386 |
| Total domestic deposits to total assets | 80.7086% | 5,620 |
| Equity capital to assets | 18.2146% | 361 |
| Core capital (leverage) ratio | 17.5370% | 357 |
| Tier 1 risk-based capital ratio | 33.7408% | 382 |
| Total risk-based capital ratio | 34.4045% | 392 |
| Memoranda: | ||
| Average total assets | $208,959,200 | 2,991 |
| Average earning assets | $193,689,000 | 2,956 |
| Average equity | $40,398,800 | 1,642 |
| Average total loans | $64,325,200 | 4,898 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1212% | 7,180 |
| Cost of funding earning assets | 0.9805% | 6,032 |
| Net interest margin | 3.1407% | 6,507 |
| Noninterest income to average assets | 0.1846% | 6,557 |
| Noninterest expense to average assets | 2.4015% | 6,036 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8105% | 2,956 |
| Return on assets (ROA) | 0.8105% | 3,106 |
| Pretax return on assets | 0.6861% | 4,277 |
| Return on Equity (ROE) | 4.1277% | 4,709 |
| Retained earnings to average equity (ytd only) | 3.1247% | 4,248 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7801% | 2,652 |
| Assets per employee ($millions) | 3.9717% | 3,897 |
| Cash dividends to net income (ytd only)* | 24.3003% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 5,472 |
| Loan loss allowance to noncurrent loans | 52.9737% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 1.5844% | 4,070 |
| Noncurrent loans to loans | 2.2730% | 3,361 |
| Net loans and leases to total assets | 28.7716% | 7,493 |
| Net loans and leases to deposits | 35.8126% | 7,476 |
| Net loans and leases to core deposits | 36.1504% | 7,500 |
| Total domestic deposits to total assets | 80.3393% | 5,598 |
| Equity capital to assets | 18.6357% | 369 |
| Core capital (leverage) ratio | 18.3349% | 329 |
| Tier 1 risk-based capital ratio | 34.2678% | 368 |
| Total risk-based capital ratio | 34.9410% | 378 |
| Memoranda: | ||
| Average total assets | $205,806,500 | 3,070 |
| Average earning assets | $190,231,250 | 3,043 |
| Average equity | $40,409,000 | 1,646 |
| Average total loans | $64,157,500 | 4,976 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1811% | 7,199 |
| Cost of funding earning assets | 0.9752% | 6,261 |
| Net interest margin | 3.2059% | 6,300 |
| Noninterest income to average assets | 0.1865% | 6,568 |
| Noninterest expense to average assets | 2.4584% | 5,885 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7738% | 3,094 |
| Return on assets (ROA) | 0.7738% | 3,243 |
| Pretax return on assets | 0.6895% | 4,276 |
| Return on Equity (ROE) | 3.8701% | 4,833 |
| Retained earnings to average equity (ytd only) | 2.3617% | 4,656 |
| Net charge-offs to loans | 0.0031% | 6,337 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 695.0000% | 44 |
| Efficiency ratio | 78.0964% | 2,716 |
| Assets per employee ($millions) | 3.8625% | 4,068 |
| Cash dividends to net income (ytd only)* | 38.9744% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 5,465 |
| Loan loss allowance to noncurrent loans | 63.9632% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 1.4700% | 4,261 |
| Noncurrent loans to loans | 1.8734% | 3,903 |
| Net loans and leases to total assets | 30.2420% | 7,528 |
| Net loans and leases to deposits | 37.7598% | 7,498 |
| Net loans and leases to core deposits | 38.1342% | 7,529 |
| Total domestic deposits to total assets | 80.0905% | 5,700 |
| Equity capital to assets | 19.1874% | 332 |
| Core capital (leverage) ratio | 18.2791% | 336 |
| Tier 1 risk-based capital ratio | 33.8121% | 382 |
| Total risk-based capital ratio | 34.5002% | 389 |
| Memoranda: | ||
| Average total assets | $201,595,000 | 3,141 |
| Average earning assets | $186,217,000 | 3,114 |
| Average equity | $40,309,330 | 1,646 |
| Average total loans | $64,338,330 | 5,007 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1883% | 7,278 |
| Cost of funding earning assets | 0.9620% | 6,536 |
| Net interest margin | 3.2263% | 6,207 |
| Noninterest income to average assets | 0.1736% | 6,724 |
| Noninterest expense to average assets | 2.2715% | 6,476 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9167% | 2,482 |
| Return on assets (ROA) | 0.9167% | 2,548 |
| Pretax return on assets | 0.8682% | 3,591 |
| Return on Equity (ROE) | 4.4890% | 4,668 |
| Retained earnings to average equity (ytd only) | 1.4832% | 5,204 |
| Net charge-offs to loans | 0.0124% | 5,410 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 215.0000% | 156 |
| Efficiency ratio | 72.3473% | 3,868 |
| Assets per employee ($millions) | 4.0222% | 3,818 |
| Cash dividends to net income (ytd only)* | 66.9604% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 5,599 |
| Loan loss allowance to noncurrent loans | 75.8689% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 1.3336% | 4,520 |
| Noncurrent loans to loans | 1.5564% | 4,408 |
| Net loans and leases to total assets | 31.7921% | 7,574 |
| Net loans and leases to deposits | 40.0844% | 7,516 |
| Net loans and leases to core deposits | 40.5008% | 7,561 |
| Total domestic deposits to total assets | 79.3128% | 6,008 |
| Equity capital to assets | 20.2645% | 272 |
| Core capital (leverage) ratio | 19.7128% | 269 |
| Tier 1 risk-based capital ratio | 34.7072% | 360 |
| Total risk-based capital ratio | 35.3938% | 374 |
| Memoranda: | ||
| Average total assets | $198,105,500 | 3,240 |
| Average earning assets | $182,127,000 | 3,232 |
| Average equity | $40,454,000 | 1,652 |
| Average total loans | $64,586,500 | 5,058 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5105% | 7,372 |
| Cost of funding earning assets | 1.0539% | 7,088 |
| Net interest margin | 3.4567% | 5,139 |
| Noninterest income to average assets | 0.2078% | 6,617 |
| Noninterest expense to average assets | 2.4340% | 6,357 |
| Loan and lease loss provision to assets | 0.0324% | 7,207 |
| Net operating income to assets | 0.8551% | 2,333 |
| Return on assets (ROA) | 0.8551% | 2,407 |
| Pretax return on assets | 0.9161% | 2,874 |
| Return on Equity (ROE) | 4.0822% | 4,050 |
| Retained earnings to average equity (ytd only) | 3.4147% | 2,779 |
| Net charge-offs to loans | 0.5396% | 3,633 |
| Credit loss provision to net charge-offs | 17.4419% | 6,945 |
| Earnings coverage of net charge-offs (x) | 5.1076% | 2,684 |
| Efficiency ratio | 71.9598% | 4,267 |
| Assets per employee ($millions) | 3.6812% | 4,564 |
| Cash dividends to net income (ytd only)* | 16.3510% | 3,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 5,427 |
| Loan loss allowance to noncurrent loans | 92.4005% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 1.2834% | 4,519 |
| Noncurrent loans to loans | 1.2858% | 4,781 |
| Net loans and leases to total assets | 32.6528% | 7,639 |
| Net loans and leases to deposits | 41.2086% | 7,590 |
| Net loans and leases to core deposits | 42.2877% | 7,729 |
| Total domestic deposits to total assets | 79.2379% | 5,922 |
| Equity capital to assets | 20.5811% | 270 |
| Core capital (leverage) ratio | 20.0906% | 275 |
| Tier 1 risk-based capital ratio | 35.7717% | 326 |
| Total risk-based capital ratio | 36.4839% | 334 |
| Memoranda: | ||
| Average total assets | $185,247,000 | 3,349 |
| Average earning assets | $170,135,200 | 3,343 |
| Average equity | $38,802,400 | 1,726 |
| Average total loans | $63,751,200 | 5,111 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6031% | 7,413 |
| Cost of funding earning assets | 1.0737% | 7,236 |
| Net interest margin | 3.5294% | 4,746 |
| Noninterest income to average assets | 0.2042% | 6,759 |
| Noninterest expense to average assets | 2.4728% | 6,167 |
| Loan and lease loss provision to assets | 0.0438% | 6,931 |
| Net operating income to assets | 0.9534% | 2,222 |
| Return on assets (ROA) | 0.9534% | 2,283 |
| Pretax return on assets | 0.9366% | 3,108 |
| Return on Equity (ROE) | 4.5305% | 4,145 |
| Retained earnings to average equity (ytd only) | 3.6327% | 3,254 |
| Net charge-offs to loans | 0.7215% | 2,550 |
| Credit loss provision to net charge-offs | 17.4419% | 6,590 |
| Earnings coverage of net charge-offs (x) | 3.9069% | 3,340 |
| Efficiency ratio | 71.6096% | 4,312 |
| Assets per employee ($millions) | 3.7018% | 4,421 |
| Cash dividends to net income (ytd only)* | 19.8161% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 5,259 |
| Loan loss allowance to noncurrent loans | 494.1935% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.9486% | 5,167 |
| Noncurrent loans to loans | 0.2380% | 6,908 |
| Net loans and leases to total assets | 33.4414% | 7,704 |
| Net loans and leases to deposits | 42.4271% | 7,663 |
| Net loans and leases to core deposits | 43.6332% | 7,805 |
| Total domestic deposits to total assets | 78.8207% | 5,861 |
| Equity capital to assets | 20.6774% | 295 |
| Core capital (leverage) ratio | 20.4660% | 285 |
| Tier 1 risk-based capital ratio | 35.7582% | 363 |
| Total risk-based capital ratio | 36.4753% | 373 |
| Memoranda: | ||
| Average total assets | $182,783,500 | 3,419 |
| Average earning assets | $168,258,000 | 3,400 |
| Average equity | $38,464,500 | 1,770 |
| Average total loans | $63,571,000 | 5,147 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6578% | 7,454 |
| Cost of funding earning assets | 1.1053% | 7,368 |
| Net interest margin | 3.5525% | 4,560 |
| Noninterest income to average assets | 0.2016% | 6,852 |
| Noninterest expense to average assets | 2.4373% | 6,347 |
| Loan and lease loss provision to assets | 0.0334% | 6,904 |
| Net operating income to assets | 0.9970% | 2,118 |
| Return on assets (ROA) | 0.9970% | 2,213 |
| Pretax return on assets | 1.0103% | 2,970 |
| Return on Equity (ROE) | 4.7083% | 4,208 |
| Retained earnings to average equity (ytd only) | 3.3458% | 3,466 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0160% | 4,780 |
| Assets per employee ($millions) | 3.6587% | 4,434 |
| Cash dividends to net income (ytd only)* | 28.9385% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6736% | 2,434 |
| Loan loss allowance to noncurrent loans | 46.7532% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 1.5388% | 3,919 |
| Noncurrent loans to loans | 3.5796% | 1,953 |
| Net loans and leases to total assets | 34.6861% | 7,749 |
| Net loans and leases to deposits | 44.2520% | 7,693 |
| Net loans and leases to core deposits | 45.7609% | 7,837 |
| Total domestic deposits to total assets | 78.3830% | 5,978 |
| Equity capital to assets | 21.1233% | 322 |
| Core capital (leverage) ratio | 20.8076% | 322 |
| Tier 1 risk-based capital ratio | 37.2178% | 366 |
| Total risk-based capital ratio | 38.2806% | 364 |
| Memoranda: | ||
| Average total assets | $179,546,330 | 3,488 |
| Average earning assets | $165,743,670 | 3,464 |
| Average equity | $38,018,330 | 1,801 |
| Average total loans | $63,048,330 | 5,207 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6966% | 7,513 |
| Cost of funding earning assets | 1.1937% | 7,312 |
| Net interest margin | 3.5029% | 4,721 |
| Noninterest income to average assets | 0.1957% | 6,896 |
| Noninterest expense to average assets | 2.3930% | 6,214 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9896% | 2,354 |
| Return on assets (ROA) | 0.9896% | 2,490 |
| Pretax return on assets | 1.0301% | 3,247 |
| Return on Equity (ROE) | 4.6676% | 4,627 |
| Retained earnings to average equity (ytd only) | 1.9201% | 4,784 |
| Net charge-offs to loans | 0.0064% | 5,598 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 458.0000% | 68 |
| Efficiency ratio | 69.9080% | 4,597 |
| Assets per employee ($millions) | 3.6096% | 4,543 |
| Cash dividends to net income (ytd only)* | 58.8636% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6385% | 2,362 |
| Loan loss allowance to noncurrent loans | 58.7346% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 1.2528% | 4,169 |
| Noncurrent loans to loans | 2.7897% | 2,350 |
| Net loans and leases to total assets | 34.8910% | 7,771 |
| Net loans and leases to deposits | 44.2810% | 7,716 |
| Net loans and leases to core deposits | 45.5388% | 7,876 |
| Total domestic deposits to total assets | 78.7946% | 5,791 |
| Equity capital to assets | 20.6841% | 377 |
| Core capital (leverage) ratio | 20.9285% | 356 |
| Tier 1 risk-based capital ratio | 36.4934% | 393 |
| Total risk-based capital ratio | 37.5178% | 393 |
| Memoranda: | ||
| Average total assets | $177,852,000 | 3,545 |
| Average earning assets | $163,864,500 | 3,513 |
| Average equity | $37,706,500 | 1,807 |
| Average total loans | $62,306,000 | 5,276 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6632% | 7,987 |
| Cost of funding earning assets | 1.3735% | 7,772 |
| Net interest margin | 3.2897% | 6,075 |
| Noninterest income to average assets | 0.2196% | 6,872 |
| Noninterest expense to average assets | 2.4871% | 6,060 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0520% | 2,344 |
| Return on assets (ROA) | 0.5228% | 4,496 |
| Pretax return on assets | 0.3189% | 5,467 |
| Return on Equity (ROE) | 2.3243% | 5,493 |
| Retained earnings to average equity (ytd only) | 1.6517% | 4,222 |
| Net charge-offs to loans | -0.0016% | 7,736 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5709% | 3,481 |
| Assets per employee ($millions) | 3.5044% | 4,642 |
| Cash dividends to net income (ytd only)* | 28.9385% | 4,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7329% | 1,816 |
| Loan loss allowance to noncurrent loans | 54.6306% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 1.3680% | 3,462 |
| Noncurrent loans to loans | 3.1721% | 1,664 |
| Net loans and leases to total assets | 33.9803% | 7,894 |
| Net loans and leases to deposits | 43.6966% | 7,860 |
| Net loans and leases to core deposits | 45.0618% | 7,984 |
| Total domestic deposits to total assets | 77.7642% | 5,788 |
| Equity capital to assets | 21.7336% | 364 |
| Core capital (leverage) ratio | 21.0623% | 371 |
| Tier 1 risk-based capital ratio | 39.8246% | 344 |
| Total risk-based capital ratio | 40.9492% | 339 |
| Memoranda: | ||
| Average total assets | $171,201,000 | 3,536 |
| Average earning assets | $162,141,400 | 3,434 |
| Average equity | $38,506,200 | 1,754 |
| Average total loans | $61,452,600 | 5,201 |