Home > Traders & Farmers Bank > Performance and Condition Ratios
Traders & Farmers Bank, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8177% | 3,816 |
| Cost of funding earning assets | 1.0303% | 895 |
| Net interest margin | 2.7874% | 4,470 |
| Noninterest income to average assets | 0.1081% | 4,749 |
| Noninterest expense to average assets | 4.6204% | 238 |
| Loan and lease loss provision to assets | 0.0984% | 3,045 |
| Net operating income to assets | -1.5000% | 5,000 |
| Return on assets (ROA) | -1.0711% | 4,966 |
| Pretax return on assets | -1.4843% | 4,986 |
| Return on Equity (ROE) | -7.9709% | 4,969 |
| Retained earnings to average equity (ytd only) | -140.7526% | 5,063 |
| Net charge-offs to loans | 0.1038% | 1,240 |
| Credit loss provision to net charge-offs | 216.6667% | 1,851 |
| Earnings coverage of net charge-offs (x) | -42.4643% | 3,015 |
| Efficiency ratio | 171.6553% | 30 |
| Assets per employee ($millions) | 3.9899% | 4,326 |
| Cash dividends to net income (ytd only)* | -1,665.8253% | 5,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 1,855 |
| Loan loss allowance to noncurrent loans | 96.3165% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.7413% | 1,665 |
| Noncurrent loans to loans | 1.3858% | 1,117 |
| Net loans and leases to total assets | 41.3050% | 4,554 |
| Net loans and leases to deposits | 44.9604% | 4,679 |
| Net loans and leases to core deposits | 51.6069% | 4,581 |
| Total domestic deposits to total assets | 91.8697% | 56 |
| Equity capital to assets | 7.4122% | 4,900 |
| Core capital (leverage) ratio | 7.1717% | 4,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3920% | 1,392 |
| Memoranda: | ||
| Average total assets | $369,883,333 | 1,920 |
| Average earning assets | $342,825,000 | 1,931 |
| Average equity | $49,705,667 | 1,677 |
| Average total loans | $161,887,667 | 2,549 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1645% | 3,337 |
| Cost of funding earning assets | 0.7348% | 2,756 |
| Net interest margin | 3.4298% | 3,212 |
| Noninterest income to average assets | 0.1861% | 4,433 |
| Noninterest expense to average assets | 2.8885% | 2,156 |
| Loan and lease loss provision to assets | 0.0164% | 3,590 |
| Net operating income to assets | 0.3591% | 4,218 |
| Return on assets (ROA) | 0.9395% | 2,485 |
| Pretax return on assets | 1.1848% | 2,245 |
| Return on Equity (ROE) | 5.6717% | 3,431 |
| Retained earnings to average equity (ytd only) | 5.6585% | 2,011 |
| Net charge-offs to loans | 0.0954% | 1,116 |
| Credit loss provision to net charge-offs | 38.4615% | 2,105 |
| Earnings coverage of net charge-offs (x) | 10.9231% | 1,745 |
| Efficiency ratio | 86.0966% | 702 |
| Assets per employee ($millions) | 3.7167% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.2331% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 2,518 |
| Loan loss allowance to noncurrent loans | 86.7072% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.9829% | 1,349 |
| Noncurrent loans to loans | 1.4170% | 1,123 |
| Net loans and leases to total assets | 44.0554% | 4,501 |
| Net loans and leases to deposits | 54.8616% | 4,406 |
| Net loans and leases to core deposits | 64.7314% | 4,139 |
| Total domestic deposits to total assets | 80.3029% | 3,798 |
| Equity capital to assets | 16.8135% | 463 |
| Core capital (leverage) ratio | 16.5337% | 457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7233% | 238 |
| Memoranda: | ||
| Average total assets | $365,305,500 | 1,904 |
| Average earning assets | $337,517,000 | 1,905 |
| Average equity | $60,511,000 | 1,410 |
| Average total loans | $163,491,500 | 2,506 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3942% | 3,270 |
| Cost of funding earning assets | 0.7451% | 2,944 |
| Net interest margin | 3.6491% | 2,970 |
| Noninterest income to average assets | 0.2623% | 4,109 |
| Noninterest expense to average assets | 2.6416% | 3,056 |
| Loan and lease loss provision to assets | 0.0545% | 2,941 |
| Net operating income to assets | 0.7633% | 3,660 |
| Return on assets (ROA) | 0.7731% | 3,714 |
| Pretax return on assets | 0.9463% | 3,614 |
| Return on Equity (ROE) | 4.9659% | 4,217 |
| Retained earnings to average equity (ytd only) | 2.9936% | 3,532 |
| Net charge-offs to loans | 0.1152% | 1,588 |
| Credit loss provision to net charge-offs | 103.6269% | 2,387 |
| Earnings coverage of net charge-offs (x) | 18.7876% | 2,035 |
| Efficiency ratio | 72.7635% | 1,762 |
| Assets per employee ($millions) | 3.6275% | 4,349 |
| Cash dividends to net income (ytd only)* | 39.7178% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 2,294 |
| Loan loss allowance to noncurrent loans | 104.6090% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.9089% | 1,399 |
| Noncurrent loans to loans | 1.1737% | 1,288 |
| Net loans and leases to total assets | 44.3538% | 4,591 |
| Net loans and leases to deposits | 56.3005% | 4,445 |
| Net loans and leases to core deposits | 66.2051% | 4,183 |
| Total domestic deposits to total assets | 78.7804% | 4,223 |
| Equity capital to assets | 16.3170% | 551 |
| Core capital (leverage) ratio | 16.2461% | 491 |
| Tier 1 risk-based capital ratio | 28.4515% | 538 |
| Total risk-based capital ratio | 29.4136% | 539 |
| Memoranda: | ||
| Average total assets | $366,703,400 | 1,856 |
| Average earning assets | $338,471,400 | 1,854 |
| Average equity | $57,088,800 | 1,424 |
| Average total loans | $167,564,400 | 2,433 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4047% | 3,343 |
| Cost of funding earning assets | 0.7315% | 3,059 |
| Net interest margin | 3.6732% | 3,016 |
| Noninterest income to average assets | 0.2436% | 4,277 |
| Noninterest expense to average assets | 2.5813% | 3,213 |
| Loan and lease loss provision to assets | 0.0563% | 2,775 |
| Net operating income to assets | 0.8088% | 3,650 |
| Return on assets (ROA) | 0.8226% | 3,684 |
| Pretax return on assets | 1.0146% | 3,544 |
| Return on Equity (ROE) | 5.3483% | 4,232 |
| Retained earnings to average equity (ytd only) | 2.9613% | 3,899 |
| Net charge-offs to loans | 0.0752% | 1,745 |
| Credit loss provision to net charge-offs | 163.1579% | 1,532 |
| Earnings coverage of net charge-offs (x) | 30.5167% | 1,608 |
| Efficiency ratio | 71.0100% | 1,970 |
| Assets per employee ($millions) | 3.9072% | 4,017 |
| Cash dividends to net income (ytd only)* | 44.6309% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 2,286 |
| Loan loss allowance to noncurrent loans | 119.4813% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.7817% | 1,759 |
| Noncurrent loans to loans | 1.0379% | 1,547 |
| Net loans and leases to total assets | 44.9485% | 4,659 |
| Net loans and leases to deposits | 57.2199% | 4,503 |
| Net loans and leases to core deposits | 67.1352% | 4,209 |
| Total domestic deposits to total assets | 78.5539% | 4,256 |
| Equity capital to assets | 16.5291% | 553 |
| Core capital (leverage) ratio | 16.4169% | 508 |
| Tier 1 risk-based capital ratio | 29.0695% | 514 |
| Total risk-based capital ratio | 30.0630% | 512 |
| Memoranda: | ||
| Average total assets | $366,784,500 | 1,873 |
| Average earning assets | $338,658,500 | 1,864 |
| Average equity | $56,415,500 | 1,434 |
| Average total loans | $168,324,750 | 2,450 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3681% | 3,425 |
| Cost of funding earning assets | 0.7266% | 3,008 |
| Net interest margin | 3.6415% | 3,129 |
| Noninterest income to average assets | 0.2188% | 4,436 |
| Noninterest expense to average assets | 2.6087% | 3,181 |
| Loan and lease loss provision to assets | 0.0327% | 3,177 |
| Net operating income to assets | 0.7746% | 3,734 |
| Return on assets (ROA) | 0.7959% | 3,731 |
| Pretax return on assets | 0.9601% | 3,678 |
| Return on Equity (ROE) | 5.3069% | 4,260 |
| Retained earnings to average equity (ytd only) | 2.0442% | 4,099 |
| Net charge-offs to loans | 0.0557% | 1,846 |
| Credit loss provision to net charge-offs | 127.6596% | 1,677 |
| Earnings coverage of net charge-offs (x) | 37.7234% | 1,284 |
| Efficiency ratio | 72.9519% | 1,782 |
| Assets per employee ($millions) | 3.7444% | 4,192 |
| Cash dividends to net income (ytd only)* | 61.4805% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 2,421 |
| Loan loss allowance to noncurrent loans | 118.2720% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.8514% | 1,656 |
| Noncurrent loans to loans | 1.0314% | 1,588 |
| Net loans and leases to total assets | 44.2558% | 4,713 |
| Net loans and leases to deposits | 55.8788% | 4,596 |
| Net loans and leases to core deposits | 61.8471% | 4,507 |
| Total domestic deposits to total assets | 79.1997% | 4,184 |
| Equity capital to assets | 15.7916% | 653 |
| Core capital (leverage) ratio | 16.0193% | 539 |
| Tier 1 risk-based capital ratio | 28.3496% | 550 |
| Total risk-based capital ratio | 29.3171% | 549 |
| Memoranda: | ||
| Average total assets | $366,621,330 | 1,883 |
| Average earning assets | $337,997,000 | 1,877 |
| Average equity | $54,985,000 | 1,456 |
| Average total loans | $168,714,000 | 2,460 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3813% | 3,298 |
| Cost of funding earning assets | 0.7266% | 2,909 |
| Net interest margin | 3.6547% | 3,062 |
| Noninterest income to average assets | 0.1964% | 4,584 |
| Noninterest expense to average assets | 2.5541% | 3,357 |
| Loan and lease loss provision to assets | 0.0329% | 2,969 |
| Net operating income to assets | 0.8042% | 3,604 |
| Return on assets (ROA) | 0.8042% | 3,647 |
| Pretax return on assets | 0.9699% | 3,542 |
| Return on Equity (ROE) | 5.5104% | 4,187 |
| Retained earnings to average equity (ytd only) | -0.2481% | 4,567 |
| Net charge-offs to loans | 0.0165% | 2,137 |
| Credit loss provision to net charge-offs | 428.5714% | 662 |
| Earnings coverage of net charge-offs (x) | 130.5714% | 561 |
| Efficiency ratio | 71.8075% | 2,063 |
| Assets per employee ($millions) | 3.7425% | 4,283 |
| Cash dividends to net income (ytd only)* | 104.5020% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 2,601 |
| Loan loss allowance to noncurrent loans | 159.1869% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.8407% | 1,685 |
| Noncurrent loans to loans | 0.7517% | 2,151 |
| Net loans and leases to total assets | 45.3757% | 4,688 |
| Net loans and leases to deposits | 56.9911% | 4,548 |
| Net loans and leases to core deposits | 63.3455% | 4,412 |
| Total domestic deposits to total assets | 79.6190% | 4,237 |
| Equity capital to assets | 14.8573% | 780 |
| Core capital (leverage) ratio | 16.1687% | 511 |
| Tier 1 risk-based capital ratio | 27.8006% | 575 |
| Total risk-based capital ratio | 28.7639% | 581 |
| Memoranda: | ||
| Average total assets | $364,583,500 | 1,898 |
| Average earning assets | $335,240,500 | 1,900 |
| Average equity | $53,208,000 | 1,498 |
| Average total loans | $170,030,500 | 2,475 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3963% | 2,772 |
| Cost of funding earning assets | 0.7022% | 2,080 |
| Net interest margin | 3.6942% | 3,050 |
| Noninterest income to average assets | 0.2407% | 4,477 |
| Noninterest expense to average assets | 2.7356% | 2,912 |
| Loan and lease loss provision to assets | 0.0415% | 3,357 |
| Net operating income to assets | 0.8413% | 3,642 |
| Return on assets (ROA) | 0.8391% | 3,650 |
| Pretax return on assets | 0.8479% | 4,042 |
| Return on Equity (ROE) | 5.9857% | 4,181 |
| Retained earnings to average equity (ytd only) | 3.7046% | 3,538 |
| Net charge-offs to loans | 0.3186% | 609 |
| Credit loss provision to net charge-offs | 27.7778% | 3,359 |
| Earnings coverage of net charge-offs (x) | 5.9741% | 3,137 |
| Efficiency ratio | 75.4191% | 1,439 |
| Assets per employee ($millions) | 3.4486% | 4,609 |
| Cash dividends to net income (ytd only)* | 38.1094% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 2,649 |
| Loan loss allowance to noncurrent loans | 156.5319% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 1.0049% | 1,369 |
| Noncurrent loans to loans | 0.7569% | 2,112 |
| Net loans and leases to total assets | 46.8109% | 4,705 |
| Net loans and leases to deposits | 58.7202% | 4,544 |
| Net loans and leases to core deposits | 65.0701% | 4,401 |
| Total domestic deposits to total assets | 79.7184% | 4,167 |
| Equity capital to assets | 14.3224% | 885 |
| Core capital (leverage) ratio | 16.5350% | 453 |
| Tier 1 risk-based capital ratio | 28.1187% | 554 |
| Total risk-based capital ratio | 29.0821% | 562 |
| Memoranda: | ||
| Average total assets | $361,822,400 | 1,869 |
| Average earning assets | $331,686,400 | 1,881 |
| Average equity | $50,721,200 | 1,503 |
| Average total loans | $169,495,200 | 2,441 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3821% | 2,681 |
| Cost of funding earning assets | 0.6921% | 1,889 |
| Net interest margin | 3.6900% | 3,058 |
| Noninterest income to average assets | 0.2276% | 4,608 |
| Noninterest expense to average assets | 2.7011% | 2,978 |
| Loan and lease loss provision to assets | 0.0335% | 3,346 |
| Net operating income to assets | 0.7312% | 4,132 |
| Return on assets (ROA) | 0.7288% | 4,150 |
| Pretax return on assets | 0.8736% | 4,106 |
| Return on Equity (ROE) | 5.2267% | 4,491 |
| Retained earnings to average equity (ytd only) | 2.4973% | 4,397 |
| Net charge-offs to loans | 0.3794% | 428 |
| Credit loss provision to net charge-offs | 18.8797% | 3,023 |
| Earnings coverage of net charge-offs (x) | 5.1349% | 2,987 |
| Efficiency ratio | 74.7989% | 1,481 |
| Assets per employee ($millions) | 3.4562% | 4,610 |
| Cash dividends to net income (ytd only)* | 52.2202% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 2,743 |
| Loan loss allowance to noncurrent loans | 156.5759% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 1.0865% | 1,326 |
| Noncurrent loans to loans | 0.7535% | 2,205 |
| Net loans and leases to total assets | 47.3377% | 4,745 |
| Net loans and leases to deposits | 58.6414% | 4,612 |
| Net loans and leases to core deposits | 65.0003% | 4,456 |
| Total domestic deposits to total assets | 80.7241% | 3,946 |
| Equity capital to assets | 13.6227% | 1,092 |
| Core capital (leverage) ratio | 16.2941% | 480 |
| Tier 1 risk-based capital ratio | 27.8160% | 581 |
| Total risk-based capital ratio | 28.7700% | 588 |
| Memoranda: | ||
| Average total assets | $362,614,000 | 1,874 |
| Average earning assets | $332,498,500 | 1,892 |
| Average equity | $50,559,500 | 1,506 |
| Average total loans | $169,393,250 | 2,458 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3228% | 2,694 |
| Cost of funding earning assets | 0.6863% | 1,707 |
| Net interest margin | 3.6365% | 3,172 |
| Noninterest income to average assets | 0.2752% | 4,349 |
| Noninterest expense to average assets | 2.6572% | 3,143 |
| Loan and lease loss provision to assets | 0.0334% | 3,249 |
| Net operating income to assets | 0.7649% | 3,976 |
| Return on assets (ROA) | 0.7631% | 3,990 |
| Pretax return on assets | 0.9144% | 3,923 |
| Return on Equity (ROE) | 5.4325% | 4,428 |
| Retained earnings to average equity (ytd only) | 1.8811% | 4,495 |
| Net charge-offs to loans | 0.3207% | 500 |
| Credit loss provision to net charge-offs | 22.5092% | 2,676 |
| Earnings coverage of net charge-offs (x) | 6.3948% | 2,634 |
| Efficiency ratio | 73.6626% | 1,755 |
| Assets per employee ($millions) | 3.4560% | 4,653 |
| Cash dividends to net income (ytd only)* | 65.3736% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 2,229 |
| Loan loss allowance to noncurrent loans | 165.3846% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 1.2431% | 1,144 |
| Noncurrent loans to loans | 0.7785% | 2,175 |
| Net loans and leases to total assets | 46.3335% | 4,808 |
| Net loans and leases to deposits | 57.5820% | 4,664 |
| Net loans and leases to core deposits | 63.3940% | 4,528 |
| Total domestic deposits to total assets | 80.4652% | 4,146 |
| Equity capital to assets | 13.7832% | 1,000 |
| Core capital (leverage) ratio | 15.9935% | 494 |
| Tier 1 risk-based capital ratio | 27.3641% | 591 |
| Total risk-based capital ratio | 28.3952% | 592 |
| Memoranda: | ||
| Average total assets | $364,821,000 | 1,868 |
| Average earning assets | $334,276,330 | 1,891 |
| Average equity | $51,247,330 | 1,482 |
| Average total loans | $169,014,000 | 2,469 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2512% | 2,705 |
| Cost of funding earning assets | 0.6833% | 1,533 |
| Net interest margin | 3.5678% | 3,290 |
| Noninterest income to average assets | 0.2646% | 4,410 |
| Noninterest expense to average assets | 2.6343% | 3,233 |
| Loan and lease loss provision to assets | 0.0328% | 3,067 |
| Net operating income to assets | 0.7418% | 3,936 |
| Return on assets (ROA) | 0.7381% | 3,954 |
| Pretax return on assets | 0.8704% | 3,946 |
| Return on Equity (ROE) | 5.2060% | 4,417 |
| Retained earnings to average equity (ytd only) | -0.8484% | 4,901 |
| Net charge-offs to loans | 0.0950% | 1,227 |
| Credit loss provision to net charge-offs | 75.0000% | 1,788 |
| Earnings coverage of net charge-offs (x) | 20.7500% | 1,455 |
| Efficiency ratio | 74.3748% | 1,846 |
| Assets per employee ($millions) | 3.5222% | 4,644 |
| Cash dividends to net income (ytd only)* | 116.2963% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 1,736 |
| Loan loss allowance to noncurrent loans | 137.3708% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 1.4084% | 1,025 |
| Noncurrent loans to loans | 1.0388% | 1,760 |
| Net loans and leases to total assets | 45.1265% | 4,843 |
| Net loans and leases to deposits | 56.3374% | 4,674 |
| Net loans and leases to core deposits | 62.3343% | 4,533 |
| Total domestic deposits to total assets | 80.1004% | 4,399 |
| Equity capital to assets | 13.9010% | 918 |
| Core capital (leverage) ratio | 15.8407% | 510 |
| Tier 1 risk-based capital ratio | 27.1179% | 612 |
| Total risk-based capital ratio | 28.2437% | 609 |
| Memoranda: | ||
| Average total assets | $365,793,500 | 1,874 |
| Average earning assets | $336,001,000 | 1,896 |
| Average equity | $51,863,000 | 1,483 |
| Average total loans | $168,358,000 | 2,491 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2347% | 2,564 |
| Cost of funding earning assets | 0.7278% | 896 |
| Net interest margin | 3.5070% | 3,500 |
| Noninterest income to average assets | 0.3566% | 3,915 |
| Noninterest expense to average assets | 2.5801% | 3,506 |
| Loan and lease loss provision to assets | 0.1778% | 1,220 |
| Net operating income to assets | 0.6620% | 3,772 |
| Return on assets (ROA) | 0.6995% | 3,661 |
| Pretax return on assets | 0.8797% | 3,976 |
| Return on Equity (ROE) | 4.9439% | 4,182 |
| Retained earnings to average equity (ytd only) | 2.7491% | 3,665 |
| Net charge-offs to loans | 0.3121% | 815 |
| Credit loss provision to net charge-offs | 128.1853% | 2,054 |
| Earnings coverage of net charge-offs (x) | 7.2876% | 3,062 |
| Efficiency ratio | 71.8557% | 2,248 |
| Assets per employee ($millions) | 3.4461% | 4,770 |
| Cash dividends to net income (ytd only)* | 44.3934% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 1,677 |
| Loan loss allowance to noncurrent loans | 150.0937% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 1.3997% | 1,002 |
| Noncurrent loans to loans | 0.9472% | 1,878 |
| Net loans and leases to total assets | 45.6139% | 4,909 |
| Net loans and leases to deposits | 57.5236% | 4,721 |
| Net loans and leases to core deposits | 63.3293% | 4,579 |
| Total domestic deposits to total assets | 79.2961% | 4,480 |
| Equity capital to assets | 14.4562% | 793 |
| Core capital (leverage) ratio | 15.6980% | 514 |
| Tier 1 risk-based capital ratio | 27.3128% | 582 |
| Total risk-based capital ratio | 28.4492% | 576 |
| Memoranda: | ||
| Average total assets | $373,544,600 | 1,821 |
| Average earning assets | $344,484,600 | 1,819 |
| Average equity | $52,853,400 | 1,456 |
| Average total loans | $165,978,400 | 2,466 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2077% | 2,584 |
| Cost of funding earning assets | 0.7444% | 778 |
| Net interest margin | 3.4633% | 3,627 |
| Noninterest income to average assets | 0.3479% | 4,046 |
| Noninterest expense to average assets | 2.5359% | 3,609 |
| Loan and lease loss provision to assets | 0.1640% | 1,237 |
| Net operating income to assets | 0.6969% | 4,003 |
| Return on assets (ROA) | 0.7422% | 3,838 |
| Pretax return on assets | 0.8949% | 4,058 |
| Return on Equity (ROE) | 5.2737% | 4,423 |
| Retained earnings to average equity (ytd only) | 2.6658% | 4,302 |
| Net charge-offs to loans | 0.1937% | 1,097 |
| Credit loss provision to net charge-offs | 192.5000% | 1,383 |
| Earnings coverage of net charge-offs (x) | 11.7876% | 2,476 |
| Efficiency ratio | 71.6334% | 2,257 |
| Assets per employee ($millions) | 3.5085% | 4,724 |
| Cash dividends to net income (ytd only)* | 49.4500% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4893% | 1,575 |
| Loan loss allowance to noncurrent loans | 106.3036% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.4364% | 1,069 |
| Noncurrent loans to loans | 1.4010% | 1,333 |
| Net loans and leases to total assets | 44.0903% | 5,018 |
| Net loans and leases to deposits | 56.0626% | 4,872 |
| Net loans and leases to core deposits | 62.0858% | 4,707 |
| Total domestic deposits to total assets | 78.6447% | 4,604 |
| Equity capital to assets | 14.7872% | 785 |
| Core capital (leverage) ratio | 15.3972% | 595 |
| Tier 1 risk-based capital ratio | 27.3268% | 602 |
| Total risk-based capital ratio | 28.5078% | 597 |
| Memoranda: | ||
| Average total assets | $375,610,000 | 1,816 |
| Average earning assets | $346,217,000 | 1,828 |
| Average equity | $52,865,250 | 1,468 |
| Average total loans | $165,217,250 | 2,490 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1955% | 2,488 |
| Cost of funding earning assets | 0.7606% | 653 |
| Net interest margin | 3.4349% | 3,647 |
| Noninterest income to average assets | 0.2935% | 4,446 |
| Noninterest expense to average assets | 2.5347% | 3,630 |
| Loan and lease loss provision to assets | 0.1253% | 1,654 |
| Net operating income to assets | 0.6696% | 3,984 |
| Return on assets (ROA) | 0.6910% | 3,951 |
| Pretax return on assets | 0.8226% | 4,194 |
| Return on Equity (ROE) | 4.9927% | 4,479 |
| Retained earnings to average equity (ytd only) | 1.5070% | 4,645 |
| Net charge-offs to loans | 0.2257% | 903 |
| Credit loss provision to net charge-offs | 126.8817% | 1,710 |
| Earnings coverage of net charge-offs (x) | 9.3441% | 2,443 |
| Efficiency ratio | 73.3190% | 2,124 |
| Assets per employee ($millions) | 3.6031% | 4,572 |
| Cash dividends to net income (ytd only)* | 69.8157% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 1,981 |
| Loan loss allowance to noncurrent loans | 85.5395% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 1.5164% | 994 |
| Noncurrent loans to loans | 1.6273% | 1,132 |
| Net loans and leases to total assets | 43.1969% | 5,087 |
| Net loans and leases to deposits | 54.8768% | 4,918 |
| Net loans and leases to core deposits | 60.5791% | 4,793 |
| Total domestic deposits to total assets | 78.7161% | 4,689 |
| Equity capital to assets | 14.4615% | 838 |
| Core capital (leverage) ratio | 15.0298% | 622 |
| Tier 1 risk-based capital ratio | 26.9240% | 609 |
| Total risk-based capital ratio | 28.0196% | 607 |
| Memoranda: | ||
| Average total assets | $376,845,670 | 1,820 |
| Average earning assets | $347,088,000 | 1,829 |
| Average equity | $52,155,670 | 1,491 |
| Average total loans | $164,805,670 | 2,499 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1892% | 2,307 |
| Cost of funding earning assets | 0.7751% | 566 |
| Net interest margin | 3.4142% | 3,603 |
| Noninterest income to average assets | 0.1340% | 5,445 |
| Noninterest expense to average assets | 2.4812% | 3,870 |
| Loan and lease loss provision to assets | 0.0596% | 2,615 |
| Net operating income to assets | 0.6307% | 4,014 |
| Return on assets (ROA) | 0.6307% | 4,060 |
| Pretax return on assets | 0.7275% | 4,355 |
| Return on Equity (ROE) | 4.6622% | 4,537 |
| Retained earnings to average equity (ytd only) | -1.5095% | 5,127 |
| Net charge-offs to loans | 0.1120% | 1,274 |
| Credit loss provision to net charge-offs | 121.7391% | 1,385 |
| Earnings coverage of net charge-offs (x) | 16.0870% | 1,652 |
| Efficiency ratio | 75.9193% | 1,920 |
| Assets per employee ($millions) | 3.6966% | 4,511 |
| Cash dividends to net income (ytd only)* | 132.3777% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 2,155 |
| Loan loss allowance to noncurrent loans | 73.1999% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 1.5722% | 994 |
| Noncurrent loans to loans | 1.8883% | 971 |
| Net loans and leases to total assets | 42.4798% | 5,134 |
| Net loans and leases to deposits | 53.5065% | 4,966 |
| Net loans and leases to core deposits | 59.5695% | 4,797 |
| Total domestic deposits to total assets | 79.3918% | 4,742 |
| Equity capital to assets | 13.5258% | 1,063 |
| Core capital (leverage) ratio | 14.9910% | 605 |
| Tier 1 risk-based capital ratio | 25.9179% | 695 |
| Total risk-based capital ratio | 26.9649% | 691 |
| Memoranda: | ||
| Average total assets | $376,104,500 | 1,830 |
| Average earning assets | $345,267,000 | 1,847 |
| Average equity | $50,877,500 | 1,521 |
| Average total loans | $164,342,000 | 2,519 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3129% | 2,103 |
| Cost of funding earning assets | 0.8025% | 501 |
| Net interest margin | 3.5105% | 3,386 |
| Noninterest income to average assets | 0.1980% | 5,225 |
| Noninterest expense to average assets | 2.6136% | 3,637 |
| Loan and lease loss provision to assets | 0.1384% | 1,801 |
| Net operating income to assets | 0.5674% | 4,357 |
| Return on assets (ROA) | 0.7709% | 3,547 |
| Pretax return on assets | 0.9396% | 3,696 |
| Return on Equity (ROE) | 5.2171% | 4,323 |
| Retained earnings to average equity (ytd only) | 3.0714% | 3,714 |
| Net charge-offs to loans | 0.3957% | 669 |
| Credit loss provision to net charge-offs | 78.3005% | 2,999 |
| Earnings coverage of net charge-offs (x) | 4.6950% | 3,462 |
| Efficiency ratio | 75.8997% | 1,996 |
| Assets per employee ($millions) | 3.5377% | 4,703 |
| Cash dividends to net income (ytd only)* | 41.1273% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3706% | 2,219 |
| Loan loss allowance to noncurrent loans | 88.0609% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 1.6737% | 928 |
| Noncurrent loans to loans | 1.5564% | 1,274 |
| Net loans and leases to total assets | 43.7244% | 5,129 |
| Net loans and leases to deposits | 55.1854% | 4,957 |
| Net loans and leases to core deposits | 61.6353% | 4,771 |
| Total domestic deposits to total assets | 79.2318% | 4,740 |
| Equity capital to assets | 13.5292% | 1,034 |
| Core capital (leverage) ratio | 15.0688% | 589 |
| Tier 1 risk-based capital ratio | 26.5755% | 654 |
| Total risk-based capital ratio | 27.6367% | 649 |
| Memoranda: | ||
| Average total assets | $372,813,600 | 1,798 |
| Average earning assets | $344,684,600 | 1,805 |
| Average equity | $55,088,400 | 1,395 |
| Average total loans | $166,540,800 | 2,448 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3390% | 2,042 |
| Cost of funding earning assets | 0.7983% | 513 |
| Net interest margin | 3.5407% | 3,315 |
| Noninterest income to average assets | 0.2758% | 4,798 |
| Noninterest expense to average assets | 2.5923% | 3,691 |
| Loan and lease loss provision to assets | 0.1615% | 1,433 |
| Net operating income to assets | 0.6535% | 4,066 |
| Return on assets (ROA) | 0.8132% | 3,442 |
| Pretax return on assets | 0.9997% | 3,631 |
| Return on Equity (ROE) | 5.3904% | 4,353 |
| Retained earnings to average equity (ytd only) | 2.8870% | 4,169 |
| Net charge-offs to loans | 0.4231% | 508 |
| Credit loss provision to net charge-offs | 85.2830% | 2,602 |
| Earnings coverage of net charge-offs (x) | 5.0906% | 3,178 |
| Efficiency ratio | 72.8926% | 2,451 |
| Assets per employee ($millions) | 3.5990% | 4,646 |
| Cash dividends to net income (ytd only)* | 46.4412% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 2,194 |
| Loan loss allowance to noncurrent loans | 108.2013% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 1.4861% | 1,213 |
| Noncurrent loans to loans | 1.2950% | 1,723 |
| Net loans and leases to total assets | 43.2366% | 5,240 |
| Net loans and leases to deposits | 55.6584% | 5,017 |
| Net loans and leases to core deposits | 62.1643% | 4,817 |
| Total domestic deposits to total assets | 77.6822% | 4,964 |
| Equity capital to assets | 15.1598% | 700 |
| Core capital (leverage) ratio | 14.8485% | 662 |
| Tier 1 risk-based capital ratio | 26.7261% | 662 |
| Total risk-based capital ratio | 27.8334% | 657 |
| Memoranda: | ||
| Average total assets | $373,151,250 | 1,796 |
| Average earning assets | $345,724,000 | 1,800 |
| Average equity | $56,296,500 | 1,375 |
| Average total loans | $167,006,750 | 2,449 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3721% | 1,911 |
| Cost of funding earning assets | 0.7999% | 495 |
| Net interest margin | 3.5722% | 3,201 |
| Noninterest income to average assets | 0.2218% | 5,164 |
| Noninterest expense to average assets | 2.6305% | 3,610 |
| Loan and lease loss provision to assets | 0.2029% | 1,057 |
| Net operating income to assets | 0.5608% | 4,434 |
| Return on assets (ROA) | 0.8015% | 3,440 |
| Pretax return on assets | 0.9882% | 3,628 |
| Return on Equity (ROE) | 5.3211% | 4,370 |
| Retained earnings to average equity (ytd only) | 2.0012% | 4,563 |
| Net charge-offs to loans | 0.5566% | 379 |
| Credit loss provision to net charge-offs | 80.9013% | 2,355 |
| Earnings coverage of net charge-offs (x) | 3.5644% | 3,088 |
| Efficiency ratio | 74.6335% | 2,269 |
| Assets per employee ($millions) | 3.6304% | 4,549 |
| Cash dividends to net income (ytd only)* | 62.3909% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 2,333 |
| Loan loss allowance to noncurrent loans | 197.8596% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 1.2218% | 1,686 |
| Noncurrent loans to loans | 0.7034% | 2,966 |
| Net loans and leases to total assets | 43.3652% | 5,265 |
| Net loans and leases to deposits | 55.9640% | 5,015 |
| Net loans and leases to core deposits | 62.5829% | 4,847 |
| Total domestic deposits to total assets | 77.4876% | 5,084 |
| Equity capital to assets | 15.3083% | 669 |
| Core capital (leverage) ratio | 15.0441% | 604 |
| Tier 1 risk-based capital ratio | 26.9868% | 654 |
| Total risk-based capital ratio | 28.0994% | 646 |
| Memoranda: | ||
| Average total assets | $371,570,000 | 1,806 |
| Average earning assets | $343,539,670 | 1,810 |
| Average equity | $55,966,000 | 1,380 |
| Average total loans | $167,438,670 | 2,443 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4202% | 1,743 |
| Cost of funding earning assets | 0.8127% | 459 |
| Net interest margin | 3.6075% | 3,057 |
| Noninterest income to average assets | 0.0662% | 5,920 |
| Noninterest expense to average assets | 2.6307% | 3,655 |
| Loan and lease loss provision to assets | 0.0597% | 2,758 |
| Net operating income to assets | 0.5705% | 4,317 |
| Return on assets (ROA) | 0.8063% | 3,328 |
| Pretax return on assets | 0.9778% | 3,558 |
| Return on Equity (ROE) | 5.3987% | 4,284 |
| Retained earnings to average equity (ytd only) | -0.4287% | 5,188 |
| Net charge-offs to loans | 0.1023% | 1,514 |
| Credit loss provision to net charge-offs | 127.9070% | 1,372 |
| Earnings coverage of net charge-offs (x) | 16.0698% | 1,639 |
| Efficiency ratio | 77.8170% | 1,918 |
| Assets per employee ($millions) | 3.5045% | 4,797 |
| Cash dividends to net income (ytd only)* | 107.9408% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 2,266 |
| Loan loss allowance to noncurrent loans | 143.6569% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 1.4176% | 1,459 |
| Noncurrent loans to loans | 0.9993% | 2,389 |
| Net loans and leases to total assets | 44.5780% | 5,215 |
| Net loans and leases to deposits | 57.3402% | 4,896 |
| Net loans and leases to core deposits | 63.2389% | 4,738 |
| Total domestic deposits to total assets | 77.7430% | 5,189 |
| Equity capital to assets | 15.0135% | 692 |
| Core capital (leverage) ratio | 15.0071% | 604 |
| Tier 1 risk-based capital ratio | 26.5591% | 695 |
| Total risk-based capital ratio | 27.7150% | 690 |
| Memoranda: | ||
| Average total assets | $368,574,500 | 1,818 |
| Average earning assets | $338,629,000 | 1,837 |
| Average equity | $55,050,000 | 1,402 |
| Average total loans | $168,137,500 | 2,422 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5691% | 1,415 |
| Cost of funding earning assets | 0.8683% | 335 |
| Net interest margin | 3.7008% | 2,745 |
| Noninterest income to average assets | 0.4141% | 3,930 |
| Noninterest expense to average assets | 2.6365% | 3,791 |
| Loan and lease loss provision to assets | 0.0616% | 3,069 |
| Net operating income to assets | 0.9038% | 2,849 |
| Return on assets (ROA) | 0.9060% | 2,919 |
| Pretax return on assets | 1.1258% | 2,941 |
| Return on Equity (ROE) | 6.2986% | 3,904 |
| Retained earnings to average equity (ytd only) | 4.0276% | 3,156 |
| Net charge-offs to loans | 0.1630% | 1,734 |
| Credit loss provision to net charge-offs | 82.0513% | 2,911 |
| Earnings coverage of net charge-offs (x) | 15.7802% | 2,180 |
| Efficiency ratio | 68.9983% | 3,401 |
| Assets per employee ($millions) | 3.3858% | 5,006 |
| Cash dividends to net income (ytd only)* | 36.0546% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 2,311 |
| Loan loss allowance to noncurrent loans | 120.9677% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 1.6972% | 1,147 |
| Noncurrent loans to loans | 1.1791% | 1,999 |
| Net loans and leases to total assets | 45.3592% | 5,204 |
| Net loans and leases to deposits | 58.4003% | 4,889 |
| Net loans and leases to core deposits | 64.7923% | 4,685 |
| Total domestic deposits to total assets | 77.6695% | 5,221 |
| Equity capital to assets | 14.8571% | 692 |
| Core capital (leverage) ratio | 15.1730% | 587 |
| Tier 1 risk-based capital ratio | 25.7453% | 756 |
| Total risk-based capital ratio | 26.8658% | 747 |
| Memoranda: | ||
| Average total assets | $363,667,800 | 1,798 |
| Average earning assets | $334,795,000 | 1,810 |
| Average equity | $52,313,600 | 1,423 |
| Average total loans | $167,503,800 | 2,377 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5747% | 1,401 |
| Cost of funding earning assets | 0.8745% | 333 |
| Net interest margin | 3.7002% | 2,768 |
| Noninterest income to average assets | 0.3932% | 4,129 |
| Noninterest expense to average assets | 2.5857% | 3,926 |
| Loan and lease loss provision to assets | 0.0547% | 3,101 |
| Net operating income to assets | 0.9354% | 2,779 |
| Return on assets (ROA) | 0.9395% | 2,861 |
| Pretax return on assets | 1.1722% | 2,919 |
| Return on Equity (ROE) | 6.5854% | 3,847 |
| Retained earnings to average equity (ytd only) | 3.8576% | 3,722 |
| Net charge-offs to loans | 0.1108% | 2,020 |
| Credit loss provision to net charge-offs | 107.1942% | 2,152 |
| Earnings coverage of net charge-offs (x) | 23.9423% | 1,713 |
| Efficiency ratio | 67.9105% | 3,564 |
| Assets per employee ($millions) | 3.3302% | 5,082 |
| Cash dividends to net income (ytd only)* | 41.4225% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4530% | 2,357 |
| Loan loss allowance to noncurrent loans | 146.4562% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 1.5488% | 1,442 |
| Noncurrent loans to loans | 0.9921% | 2,508 |
| Net loans and leases to total assets | 45.9468% | 5,234 |
| Net loans and leases to deposits | 58.9953% | 4,921 |
| Net loans and leases to core deposits | 65.3182% | 4,738 |
| Total domestic deposits to total assets | 77.8821% | 5,207 |
| Equity capital to assets | 14.6369% | 828 |
| Core capital (leverage) ratio | 14.9767% | 640 |
| Tier 1 risk-based capital ratio | 25.2219% | 833 |
| Total risk-based capital ratio | 26.3585% | 836 |
| Memoranda: | ||
| Average total assets | $363,167,250 | 1,812 |
| Average earning assets | $335,110,250 | 1,827 |
| Average equity | $51,810,000 | 1,441 |
| Average total loans | $167,313,500 | 2,396 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5640% | 1,365 |
| Cost of funding earning assets | 0.8758% | 323 |
| Net interest margin | 3.6882% | 2,761 |
| Noninterest income to average assets | 0.4152% | 3,966 |
| Noninterest expense to average assets | 2.5615% | 4,032 |
| Loan and lease loss provision to assets | 0.0655% | 2,809 |
| Net operating income to assets | 0.9549% | 2,607 |
| Return on assets (ROA) | 0.9619% | 2,689 |
| Pretax return on assets | 1.1965% | 2,789 |
| Return on Equity (ROE) | 6.8016% | 3,729 |
| Retained earnings to average equity (ytd only) | 3.1731% | 4,036 |
| Net charge-offs to loans | 0.1584% | 1,526 |
| Credit loss provision to net charge-offs | 90.1515% | 2,200 |
| Earnings coverage of net charge-offs (x) | 17.2424% | 1,864 |
| Efficiency ratio | 67.1478% | 3,805 |
| Assets per employee ($millions) | 3.3385% | 5,091 |
| Cash dividends to net income (ytd only)* | 53.3486% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4560% | 2,477 |
| Loan loss allowance to noncurrent loans | 190.0156% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 1.4752% | 1,680 |
| Noncurrent loans to loans | 0.7663% | 3,196 |
| Net loans and leases to total assets | 45.3079% | 5,298 |
| Net loans and leases to deposits | 57.9303% | 4,998 |
| Net loans and leases to core deposits | 64.1480% | 4,799 |
| Total domestic deposits to total assets | 78.2111% | 5,230 |
| Equity capital to assets | 13.8148% | 1,047 |
| Core capital (leverage) ratio | 14.7896% | 656 |
| Tier 1 risk-based capital ratio | 26.1199% | 770 |
| Total risk-based capital ratio | 27.3012% | 763 |
| Memoranda: | ||
| Average total assets | $363,227,330 | 1,821 |
| Average earning assets | $334,797,330 | 1,844 |
| Average equity | $51,370,000 | 1,461 |
| Average total loans | $166,671,330 | 2,406 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 1,363 |
| Cost of funding earning assets | 0.8738% | 325 |
| Net interest margin | 3.6614% | 2,770 |
| Noninterest income to average assets | 0.4365% | 3,718 |
| Noninterest expense to average assets | 2.5330% | 4,162 |
| Loan and lease loss provision to assets | 0.0761% | 2,429 |
| Net operating income to assets | 0.9669% | 2,411 |
| Return on assets (ROA) | 0.9766% | 2,490 |
| Pretax return on assets | 1.2158% | 2,605 |
| Return on Equity (ROE) | 6.8260% | 3,596 |
| Retained earnings to average equity (ytd only) | 0.6240% | 5,188 |
| Net charge-offs to loans | 0.2429% | 981 |
| Credit loss provision to net charge-offs | 68.3168% | 1,931 |
| Earnings coverage of net charge-offs (x) | 11.4950% | 1,859 |
| Efficiency ratio | 66.4354% | 4,073 |
| Assets per employee ($millions) | 3.4658% | 4,956 |
| Cash dividends to net income (ytd only)* | 90.8578% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4576% | 2,635 |
| Loan loss allowance to noncurrent loans | 190.9163% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 1.4957% | 1,753 |
| Noncurrent loans to loans | 0.7635% | 3,346 |
| Net loans and leases to total assets | 44.9031% | 5,277 |
| Net loans and leases to deposits | 57.9232% | 4,922 |
| Net loans and leases to core deposits | 64.2030% | 4,680 |
| Total domestic deposits to total assets | 77.5219% | 5,530 |
| Equity capital to assets | 14.4937% | 834 |
| Core capital (leverage) ratio | 14.7733% | 641 |
| Tier 1 risk-based capital ratio | 26.4119% | 760 |
| Total risk-based capital ratio | 27.6020% | 743 |
| Memoranda: | ||
| Average total assets | $362,895,000 | 1,828 |
| Average earning assets | $334,622,000 | 1,836 |
| Average equity | $51,919,500 | 1,458 |
| Average total loans | $166,353,000 | 2,418 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8200% | 1,075 |
| Cost of funding earning assets | 0.9620% | 271 |
| Net interest margin | 3.8580% | 2,401 |
| Noninterest income to average assets | 0.5207% | 3,356 |
| Noninterest expense to average assets | 2.6529% | 4,037 |
| Loan and lease loss provision to assets | 0.1301% | 2,014 |
| Net operating income to assets | 0.9797% | 2,483 |
| Return on assets (ROA) | 0.9920% | 2,498 |
| Pretax return on assets | 1.2614% | 2,385 |
| Return on Equity (ROE) | 7.8893% | 3,190 |
| Retained earnings to average equity (ytd only) | 5.3105% | 2,399 |
| Net charge-offs to loans | 0.1077% | 2,973 |
| Credit loss provision to net charge-offs | 262.3596% | 977 |
| Earnings coverage of net charge-offs (x) | 27.7472% | 1,423 |
| Efficiency ratio | 65.8484% | 4,277 |
| Assets per employee ($millions) | 3.3575% | 5,143 |
| Cash dividends to net income (ytd only)* | 32.6874% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4675% | 2,615 |
| Loan loss allowance to noncurrent loans | 156.9872% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 1.6229% | 1,663 |
| Noncurrent loans to loans | 0.9348% | 2,983 |
| Net loans and leases to total assets | 45.3466% | 5,380 |
| Net loans and leases to deposits | 58.3226% | 5,043 |
| Net loans and leases to core deposits | 64.5859% | 4,788 |
| Total domestic deposits to total assets | 77.7513% | 5,480 |
| Equity capital to assets | 14.2088% | 900 |
| Core capital (leverage) ratio | 14.7917% | 649 |
| Tier 1 risk-based capital ratio | 26.2391% | 744 |
| Total risk-based capital ratio | 27.4358% | 730 |
| Memoranda: | ||
| Average total assets | $358,966,600 | 1,818 |
| Average earning assets | $326,409,800 | 1,840 |
| Average equity | $45,137,200 | 1,596 |
| Average total loans | $165,314,000 | 2,372 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8418% | 1,030 |
| Cost of funding earning assets | 0.9755% | 273 |
| Net interest margin | 3.8663% | 2,368 |
| Noninterest income to average assets | 0.5224% | 3,391 |
| Noninterest expense to average assets | 2.6390% | 4,059 |
| Loan and lease loss provision to assets | 0.1162% | 2,115 |
| Net operating income to assets | 1.0042% | 2,435 |
| Return on assets (ROA) | 1.0177% | 2,430 |
| Pretax return on assets | 1.2925% | 2,402 |
| Return on Equity (ROE) | 8.3690% | 3,001 |
| Retained earnings to average equity (ytd only) | 5.1965% | 2,955 |
| Net charge-offs to loans | 0.1091% | 2,712 |
| Credit loss provision to net charge-offs | 231.1111% | 1,129 |
| Earnings coverage of net charge-offs (x) | 27.6808% | 1,443 |
| Efficiency ratio | 65.4749% | 4,303 |
| Assets per employee ($millions) | 3.3406% | 5,163 |
| Cash dividends to net income (ytd only)* | 37.9071% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 3,185 |
| Loan loss allowance to noncurrent loans | 132.4830% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 1.6719% | 1,813 |
| Noncurrent loans to loans | 1.0558% | 2,961 |
| Net loans and leases to total assets | 45.6620% | 5,409 |
| Net loans and leases to deposits | 58.1310% | 5,095 |
| Net loans and leases to core deposits | 64.7395% | 4,825 |
| Total domestic deposits to total assets | 78.5502% | 5,427 |
| Equity capital to assets | 13.4038% | 1,228 |
| Core capital (leverage) ratio | 14.6731% | 678 |
| Tier 1 risk-based capital ratio | 25.7563% | 810 |
| Total risk-based capital ratio | 26.8916% | 804 |
| Memoranda: | ||
| Average total assets | $358,054,750 | 1,834 |
| Average earning assets | $324,886,500 | 1,858 |
| Average equity | $43,540,750 | 1,659 |
| Average total loans | $164,922,000 | 2,395 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8595% | 979 |
| Cost of funding earning assets | 0.9921% | 265 |
| Net interest margin | 3.8674% | 2,305 |
| Noninterest income to average assets | 0.5141% | 3,377 |
| Noninterest expense to average assets | 2.6292% | 4,139 |
| Loan and lease loss provision to assets | 0.1159% | 2,104 |
| Net operating income to assets | 1.0060% | 2,298 |
| Return on assets (ROA) | 1.0158% | 2,333 |
| Pretax return on assets | 1.2762% | 2,347 |
| Return on Equity (ROE) | 8.6516% | 2,755 |
| Retained earnings to average equity (ytd only) | 4.3210% | 3,420 |
| Net charge-offs to loans | 0.1620% | 2,099 |
| Credit loss provision to net charge-offs | 155.6391% | 1,421 |
| Earnings coverage of net charge-offs (x) | 18.5263% | 1,679 |
| Efficiency ratio | 65.5818% | 4,425 |
| Assets per employee ($millions) | 3.2842% | 5,285 |
| Cash dividends to net income (ytd only)* | 50.0551% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 3,582 |
| Loan loss allowance to noncurrent loans | 93.6295% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.8765% | 1,734 |
| Noncurrent loans to loans | 1.4424% | 2,392 |
| Net loans and leases to total assets | 45.1708% | 5,446 |
| Net loans and leases to deposits | 57.0059% | 5,123 |
| Net loans and leases to core deposits | 63.3404% | 4,875 |
| Total domestic deposits to total assets | 79.2388% | 5,406 |
| Equity capital to assets | 12.7457% | 1,518 |
| Core capital (leverage) ratio | 14.4358% | 720 |
| Tier 1 risk-based capital ratio | 25.2872% | 844 |
| Total risk-based capital ratio | 26.3752% | 847 |
| Memoranda: | ||
| Average total assets | $357,144,330 | 1,836 |
| Average earning assets | $322,751,330 | 1,864 |
| Average equity | $41,934,670 | 1,710 |
| Average total loans | $164,203,000 | 2,402 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7872% | 1,075 |
| Cost of funding earning assets | 1.0151% | 258 |
| Net interest margin | 3.7721% | 2,588 |
| Noninterest income to average assets | 0.3976% | 4,206 |
| Noninterest expense to average assets | 2.6033% | 4,259 |
| Loan and lease loss provision to assets | 0.0958% | 2,329 |
| Net operating income to assets | 0.8842% | 2,722 |
| Return on assets (ROA) | 0.8888% | 2,774 |
| Pretax return on assets | 1.0949% | 2,928 |
| Return on Equity (ROE) | 7.9138% | 2,967 |
| Retained earnings to average equity (ytd only) | 0.1103% | 5,515 |
| Net charge-offs to loans | 0.3448% | 1,035 |
| Credit loss provision to net charge-offs | 60.2837% | 2,102 |
| Earnings coverage of net charge-offs (x) | 7.4610% | 2,118 |
| Efficiency ratio | 68.7184% | 4,060 |
| Assets per employee ($millions) | 3.2583% | 5,429 |
| Cash dividends to net income (ytd only)* | 98.6058% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 4,178 |
| Loan loss allowance to noncurrent loans | 99.0118% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 2.2198% | 1,490 |
| Noncurrent loans to loans | 1.3028% | 2,849 |
| Net loans and leases to total assets | 44.9230% | 5,435 |
| Net loans and leases to deposits | 55.9347% | 5,119 |
| Net loans and leases to core deposits | 62.1545% | 4,862 |
| Total domestic deposits to total assets | 80.3133% | 5,421 |
| Equity capital to assets | 11.6222% | 2,156 |
| Core capital (leverage) ratio | 14.2626% | 740 |
| Tier 1 risk-based capital ratio | 24.3686% | 952 |
| Total risk-based capital ratio | 25.3843% | 967 |
| Memoranda: | ||
| Average total assets | $355,086,500 | 1,850 |
| Average earning assets | $319,183,500 | 1,893 |
| Average equity | $39,879,500 | 1,774 |
| Average total loans | $163,595,500 | 2,416 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8970% | 1,106 |
| Cost of funding earning assets | 1.1172% | 259 |
| Net interest margin | 3.7798% | 2,725 |
| Noninterest income to average assets | 0.3860% | 4,548 |
| Noninterest expense to average assets | 2.6872% | 4,137 |
| Loan and lease loss provision to assets | 0.6858% | 336 |
| Net operating income to assets | 0.3623% | 5,288 |
| Return on assets (ROA) | 0.5817% | 4,463 |
| Pretax return on assets | 0.6698% | 4,639 |
| Return on Equity (ROE) | 4.6856% | 4,787 |
| Retained earnings to average equity (ytd only) | 2.0499% | 4,782 |
| Net charge-offs to loans | 1.4958% | 315 |
| Credit loss provision to net charge-offs | 98.9907% | 2,508 |
| Earnings coverage of net charge-offs (x) | 1.5927% | 4,527 |
| Efficiency ratio | 70.8921% | 3,685 |
| Assets per employee ($millions) | 3.2571% | 5,372 |
| Cash dividends to net income (ytd only)* | 56.2500% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 4,057 |
| Loan loss allowance to noncurrent loans | 95.4907% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 2.1253% | 1,679 |
| Noncurrent loans to loans | 1.3786% | 2,833 |
| Net loans and leases to total assets | 46.0306% | 5,481 |
| Net loans and leases to deposits | 56.8412% | 5,225 |
| Net loans and leases to core deposits | 63.5076% | 4,919 |
| Total domestic deposits to total assets | 80.9810% | 5,183 |
| Equity capital to assets | 10.8323% | 2,785 |
| Core capital (leverage) ratio | 13.8496% | 868 |
| Tier 1 risk-based capital ratio | 23.2862% | 1,056 |
| Total risk-based capital ratio | 24.3199% | 1,067 |
| Memoranda: | ||
| Average total assets | $357,543,600 | 1,812 |
| Average earning assets | $322,056,200 | 1,846 |
| Average equity | $44,391,800 | 1,578 |
| Average total loans | $165,596,200 | 2,352 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8664% | 1,204 |
| Cost of funding earning assets | 1.1377% | 253 |
| Net interest margin | 3.7287% | 2,927 |
| Noninterest income to average assets | 0.3770% | 4,696 |
| Noninterest expense to average assets | 2.6307% | 4,276 |
| Loan and lease loss provision to assets | 0.7343% | 293 |
| Net operating income to assets | 0.3248% | 5,513 |
| Return on assets (ROA) | 0.5998% | 4,469 |
| Pretax return on assets | 0.6964% | 4,704 |
| Return on Equity (ROE) | 4.6847% | 4,885 |
| Retained earnings to average equity (ytd only) | 1.6650% | 5,311 |
| Net charge-offs to loans | 1.6837% | 252 |
| Credit loss provision to net charge-offs | 94.3225% | 2,524 |
| Earnings coverage of net charge-offs (x) | 1.4270% | 4,360 |
| Efficiency ratio | 70.3097% | 3,702 |
| Assets per employee ($millions) | 3.2061% | 5,486 |
| Cash dividends to net income (ytd only)* | 64.4584% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 4,647 |
| Loan loss allowance to noncurrent loans | 53.7181% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 2.4746% | 1,558 |
| Noncurrent loans to loans | 2.3249% | 1,882 |
| Net loans and leases to total assets | 46.3226% | 5,515 |
| Net loans and leases to deposits | 57.6486% | 5,223 |
| Net loans and leases to core deposits | 64.2154% | 4,879 |
| Total domestic deposits to total assets | 80.3534% | 5,407 |
| Equity capital to assets | 11.4808% | 2,318 |
| Core capital (leverage) ratio | 14.0128% | 869 |
| Tier 1 risk-based capital ratio | 23.7616% | 1,037 |
| Total risk-based capital ratio | 24.7492% | 1,051 |
| Memoranda: | ||
| Average total assets | $358,988,500 | 1,815 |
| Average earning assets | $323,927,500 | 1,846 |
| Average equity | $45,963,750 | 1,538 |
| Average total loans | $165,975,500 | 2,357 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8382% | 1,245 |
| Cost of funding earning assets | 1.1474% | 263 |
| Net interest margin | 3.6908% | 2,989 |
| Noninterest income to average assets | 0.4065% | 4,479 |
| Noninterest expense to average assets | 2.5877% | 4,432 |
| Loan and lease loss provision to assets | 0.5550% | 475 |
| Net operating income to assets | 0.4877% | 4,853 |
| Return on assets (ROA) | 0.8740% | 3,082 |
| Pretax return on assets | 1.0795% | 3,174 |
| Return on Equity (ROE) | 6.6041% | 3,827 |
| Retained earnings to average equity (ytd only) | 2.7873% | 4,539 |
| Net charge-offs to loans | 1.1230% | 527 |
| Credit loss provision to net charge-offs | 107.3955% | 2,062 |
| Earnings coverage of net charge-offs (x) | 2.2401% | 3,777 |
| Efficiency ratio | 69.0920% | 3,994 |
| Assets per employee ($millions) | 3.3194% | 5,233 |
| Cash dividends to net income (ytd only)* | 57.7947% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 4,307 |
| Loan loss allowance to noncurrent loans | 45.9719% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 2.7443% | 1,509 |
| Noncurrent loans to loans | 2.9176% | 1,538 |
| Net loans and leases to total assets | 46.2474% | 5,503 |
| Net loans and leases to deposits | 57.6166% | 5,194 |
| Net loans and leases to core deposits | 64.0562% | 4,891 |
| Total domestic deposits to total assets | 80.2675% | 5,544 |
| Equity capital to assets | 11.6660% | 2,164 |
| Core capital (leverage) ratio | 13.8517% | 864 |
| Tier 1 risk-based capital ratio | 23.9258% | 1,006 |
| Total risk-based capital ratio | 24.9950% | 1,011 |
| Memoranda: | ||
| Average total assets | $361,096,000 | 1,813 |
| Average earning assets | $326,650,000 | 1,832 |
| Average equity | $47,788,670 | 1,492 |
| Average total loans | $166,157,330 | 2,352 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7700% | 1,350 |
| Cost of funding earning assets | 1.1448% | 295 |
| Net interest margin | 3.6252% | 3,164 |
| Noninterest income to average assets | 0.4294% | 4,254 |
| Noninterest expense to average assets | 2.5905% | 4,430 |
| Loan and lease loss provision to assets | 0.8300% | 257 |
| Net operating income to assets | 0.2567% | 5,705 |
| Return on assets (ROA) | 0.7484% | 3,579 |
| Pretax return on assets | 0.8797% | 3,838 |
| Return on Equity (ROE) | 5.3415% | 4,373 |
| Retained earnings to average equity (ytd only) | -0.8193% | 5,925 |
| Net charge-offs to loans | 2.0095% | 234 |
| Credit loss provision to net charge-offs | 90.6024% | 2,014 |
| Earnings coverage of net charge-offs (x) | 1.2349% | 3,414 |
| Efficiency ratio | 69.6026% | 4,040 |
| Assets per employee ($millions) | 3.3590% | 5,313 |
| Cash dividends to net income (ytd only)* | 115.3392% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 4,866 |
| Loan loss allowance to noncurrent loans | 37.8276% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 2.8221% | 1,600 |
| Noncurrent loans to loans | 3.3466% | 1,446 |
| Net loans and leases to total assets | 45.2986% | 5,515 |
| Net loans and leases to deposits | 57.9011% | 5,048 |
| Net loans and leases to core deposits | 64.6267% | 4,687 |
| Total domestic deposits to total assets | 78.2344% | 6,079 |
| Equity capital to assets | 13.7532% | 1,115 |
| Core capital (leverage) ratio | 13.8783% | 830 |
| Tier 1 risk-based capital ratio | 24.7159% | 926 |
| Total risk-based capital ratio | 25.7501% | 936 |
| Memoranda: | ||
| Average total assets | $362,397,000 | 1,821 |
| Average earning assets | $329,139,000 | 1,839 |
| Average equity | $50,772,000 | 1,430 |
| Average total loans | $165,212,000 | 2,376 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2046% | 1,109 |
| Cost of funding earning assets | 1.3175% | 351 |
| Net interest margin | 3.8871% | 2,883 |
| Noninterest income to average assets | 0.3397% | 5,029 |
| Noninterest expense to average assets | 2.6068% | 4,719 |
| Loan and lease loss provision to assets | 0.6175% | 881 |
| Net operating income to assets | 0.5022% | 4,686 |
| Return on assets (ROA) | 0.8519% | 3,280 |
| Pretax return on assets | 1.0598% | 3,324 |
| Return on Equity (ROE) | 6.1458% | 4,091 |
| Retained earnings to average equity (ytd only) | 3.8445% | 3,494 |
| Net charge-offs to loans | 1.6370% | 516 |
| Credit loss provision to net charge-offs | 83.6344% | 3,708 |
| Earnings coverage of net charge-offs (x) | 1.6797% | 4,598 |
| Efficiency ratio | 67.7609% | 4,195 |
| Assets per employee ($millions) | 3.2614% | 5,489 |
| Cash dividends to net income (ytd only)* | 37.4441% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 4,484 |
| Loan loss allowance to noncurrent loans | 48.2766% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 2.4007% | 2,042 |
| Noncurrent loans to loans | 2.7600% | 1,916 |
| Net loans and leases to total assets | 44.6938% | 5,757 |
| Net loans and leases to deposits | 57.5089% | 5,296 |
| Net loans and leases to core deposits | 64.2946% | 4,922 |
| Total domestic deposits to total assets | 77.7164% | 6,123 |
| Equity capital to assets | 14.2675% | 950 |
| Core capital (leverage) ratio | 13.8886% | 832 |
| Tier 1 risk-based capital ratio | 25.2773% | 820 |
| Total risk-based capital ratio | 26.3701% | 826 |
| Memoranda: | ||
| Average total assets | $367,427,600 | 1,776 |
| Average earning assets | $331,533,200 | 1,785 |
| Average equity | $50,929,400 | 1,391 |
| Average total loans | $165,730,000 | 2,352 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2578% | 1,082 |
| Cost of funding earning assets | 1.3481% | 354 |
| Net interest margin | 3.9097% | 2,882 |
| Noninterest income to average assets | 0.3420% | 5,072 |
| Noninterest expense to average assets | 2.5695% | 4,849 |
| Loan and lease loss provision to assets | 0.6613% | 790 |
| Net operating income to assets | 0.5076% | 4,816 |
| Return on assets (ROA) | 0.9733% | 2,865 |
| Pretax return on assets | 1.2061% | 2,974 |
| Return on Equity (ROE) | 7.0725% | 3,765 |
| Retained earnings to average equity (ytd only) | 4.3323% | 3,841 |
| Net charge-offs to loans | 1.8824% | 403 |
| Credit loss provision to net charge-offs | 77.9625% | 3,678 |
| Earnings coverage of net charge-offs (x) | 1.5239% | 4,518 |
| Efficiency ratio | 66.5325% | 4,346 |
| Assets per employee ($millions) | 3.3623% | 5,300 |
| Cash dividends to net income (ytd only)* | 38.7444% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2873% | 4,870 |
| Loan loss allowance to noncurrent loans | 41.1295% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 2.5212% | 2,095 |
| Noncurrent loans to loans | 3.1299% | 1,775 |
| Net loans and leases to total assets | 44.1904% | 5,950 |
| Net loans and leases to deposits | 56.6833% | 5,571 |
| Net loans and leases to core deposits | 63.3357% | 5,224 |
| Total domestic deposits to total assets | 77.9602% | 6,088 |
| Equity capital to assets | 14.1072% | 1,118 |
| Core capital (leverage) ratio | 13.6880% | 950 |
| Tier 1 risk-based capital ratio | 25.3854% | 876 |
| Total risk-based capital ratio | 26.4526% | 879 |
| Memoranda: | ||
| Average total assets | $368,779,750 | 1,787 |
| Average earning assets | $332,019,250 | 1,805 |
| Average equity | $50,749,000 | 1,406 |
| Average total loans | $166,166,250 | 2,379 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3845% | 895 |
| Cost of funding earning assets | 1.3871% | 367 |
| Net interest margin | 3.9973% | 2,516 |
| Noninterest income to average assets | 0.3036% | 5,378 |
| Noninterest expense to average assets | 2.6059% | 4,757 |
| Loan and lease loss provision to assets | 0.4487% | 1,436 |
| Net operating income to assets | 0.6525% | 4,096 |
| Return on assets (ROA) | 1.0012% | 2,675 |
| Pretax return on assets | 1.2816% | 2,625 |
| Return on Equity (ROE) | 7.3367% | 3,594 |
| Retained earnings to average equity (ytd only) | 3.7159% | 4,127 |
| Net charge-offs to loans | 0.4075% | 2,398 |
| Credit loss provision to net charge-offs | 243.8235% | 1,180 |
| Earnings coverage of net charge-offs (x) | 6.9735% | 2,546 |
| Efficiency ratio | 67.0053% | 4,321 |
| Assets per employee ($millions) | 3.2734% | 5,505 |
| Cash dividends to net income (ytd only)* | 49.3514% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8872% | 2,597 |
| Loan loss allowance to noncurrent loans | 63.4901% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 2.4131% | 2,316 |
| Noncurrent loans to loans | 2.9724% | 2,001 |
| Net loans and leases to total assets | 43.8238% | 6,030 |
| Net loans and leases to deposits | 56.0237% | 5,641 |
| Net loans and leases to core deposits | 62.6338% | 5,338 |
| Total domestic deposits to total assets | 78.2238% | 6,113 |
| Equity capital to assets | 13.9395% | 1,122 |
| Core capital (leverage) ratio | 13.3712% | 1,027 |
| Tier 1 risk-based capital ratio | 24.7868% | 923 |
| Total risk-based capital ratio | 26.0402% | 911 |
| Memoranda: | ||
| Average total assets | $369,544,000 | 1,785 |
| Average earning assets | $331,473,000 | 1,816 |
| Average equity | $50,431,670 | 1,406 |
| Average total loans | $166,867,000 | 2,383 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3585% | 991 |
| Cost of funding earning assets | 1.4101% | 414 |
| Net interest margin | 3.9484% | 2,726 |
| Noninterest income to average assets | 0.2404% | 5,907 |
| Noninterest expense to average assets | 2.6315% | 4,700 |
| Loan and lease loss provision to assets | 0.1397% | 3,608 |
| Net operating income to assets | 0.8322% | 3,236 |
| Return on assets (ROA) | 1.0147% | 2,612 |
| Pretax return on assets | 1.2995% | 2,539 |
| Return on Equity (ROE) | 7.5160% | 3,489 |
| Retained earnings to average equity (ytd only) | 1.2353% | 5,597 |
| Net charge-offs to loans | 0.3244% | 2,353 |
| Credit loss provision to net charge-offs | 94.8529% | 2,460 |
| Earnings coverage of net charge-offs (x) | 8.1838% | 1,990 |
| Efficiency ratio | 68.5859% | 4,054 |
| Assets per employee ($millions) | 3.4144% | 5,312 |
| Cash dividends to net income (ytd only)* | 83.5646% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 3,854 |
| Loan loss allowance to noncurrent loans | 55.8943% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 2.5241% | 2,351 |
| Noncurrent loans to loans | 2.8067% | 2,299 |
| Net loans and leases to total assets | 44.2029% | 5,993 |
| Net loans and leases to deposits | 56.1209% | 5,587 |
| Net loans and leases to core deposits | 62.7691% | 5,251 |
| Total domestic deposits to total assets | 78.7639% | 6,128 |
| Equity capital to assets | 13.3194% | 1,309 |
| Core capital (leverage) ratio | 13.1894% | 1,060 |
| Tier 1 risk-based capital ratio | 23.8150% | 1,027 |
| Total risk-based capital ratio | 25.0655% | 1,014 |
| Memoranda: | ||
| Average total assets | $369,371,000 | 1,793 |
| Average earning assets | $336,436,000 | 1,794 |
| Average equity | $49,867,000 | 1,412 |
| Average total loans | $167,691,500 | 2,390 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7120% | 762 |
| Cost of funding earning assets | 1.6260% | 430 |
| Net interest margin | 4.0860% | 2,494 |
| Noninterest income to average assets | 0.3304% | 5,177 |
| Noninterest expense to average assets | 2.6061% | 5,073 |
| Loan and lease loss provision to assets | 0.2787% | 3,435 |
| Net operating income to assets | 0.8930% | 2,628 |
| Return on assets (ROA) | 1.0509% | 2,141 |
| Pretax return on assets | 1.3278% | 2,025 |
| Return on Equity (ROE) | 8.2319% | 2,789 |
| Retained earnings to average equity (ytd only) | 5.6829% | 2,181 |
| Net charge-offs to loans | 0.5789% | 2,712 |
| Credit loss provision to net charge-offs | 99.5098% | 3,591 |
| Earnings coverage of net charge-offs (x) | 5.0216% | 2,916 |
| Efficiency ratio | 64.9466% | 4,960 |
| Assets per employee ($millions) | 3.1601% | 5,791 |
| Cash dividends to net income (ytd only)* | 30.9642% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5626% | 3,739 |
| Loan loss allowance to noncurrent loans | 93.8593% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 2.1914% | 2,747 |
| Noncurrent loans to loans | 1.6648% | 3,667 |
| Net loans and leases to total assets | 45.1813% | 6,092 |
| Net loans and leases to deposits | 57.7002% | 5,726 |
| Net loans and leases to core deposits | 64.8416% | 5,381 |
| Total domestic deposits to total assets | 78.3035% | 6,141 |
| Equity capital to assets | 13.6844% | 1,183 |
| Core capital (leverage) ratio | 13.2402% | 1,055 |
| Tier 1 risk-based capital ratio | 23.7668% | 987 |
| Total risk-based capital ratio | 25.0173% | 974 |
| Memoranda: | ||
| Average total assets | $364,149,200 | 1,783 |
| Average earning assets | $328,166,200 | 1,800 |
| Average equity | $46,490,000 | 1,468 |
| Average total loans | $176,194,800 | 2,305 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7695% | 741 |
| Cost of funding earning assets | 1.6674% | 443 |
| Net interest margin | 4.1021% | 2,464 |
| Noninterest income to average assets | 0.3748% | 4,870 |
| Noninterest expense to average assets | 2.5900% | 5,121 |
| Loan and lease loss provision to assets | 0.2696% | 3,349 |
| Net operating income to assets | 0.9326% | 2,608 |
| Return on assets (ROA) | 1.1054% | 2,089 |
| Pretax return on assets | 1.4208% | 1,879 |
| Return on Equity (ROE) | 8.8181% | 2,686 |
| Retained earnings to average equity (ytd only) | 5.7315% | 2,716 |
| Net charge-offs to loans | 0.5560% | 2,568 |
| Credit loss provision to net charge-offs | 98.9233% | 3,455 |
| Earnings coverage of net charge-offs (x) | 5.3903% | 2,798 |
| Efficiency ratio | 63.8113% | 5,109 |
| Assets per employee ($millions) | 3.1128% | 5,873 |
| Cash dividends to net income (ytd only)* | 35.0032% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5515% | 3,881 |
| Loan loss allowance to noncurrent loans | 100.1908% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 2.1516% | 2,972 |
| Noncurrent loans to loans | 1.5485% | 3,961 |
| Net loans and leases to total assets | 45.3659% | 6,205 |
| Net loans and leases to deposits | 57.9070% | 5,846 |
| Net loans and leases to core deposits | 65.0075% | 5,523 |
| Total domestic deposits to total assets | 78.3427% | 6,124 |
| Equity capital to assets | 13.5645% | 1,345 |
| Core capital (leverage) ratio | 13.0556% | 1,212 |
| Tier 1 risk-based capital ratio | 23.3684% | 1,094 |
| Total risk-based capital ratio | 24.6184% | 1,075 |
| Memoranda: | ||
| Average total assets | $363,544,000 | 1,795 |
| Average earning assets | $326,488,250 | 1,821 |
| Average equity | $45,571,750 | 1,495 |
| Average total loans | $178,181,000 | 2,286 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7144% | 854 |
| Cost of funding earning assets | 1.6952% | 474 |
| Net interest margin | 4.0191% | 2,749 |
| Noninterest income to average assets | 0.4394% | 4,349 |
| Noninterest expense to average assets | 2.5659% | 5,305 |
| Loan and lease loss provision to assets | 0.2258% | 3,655 |
| Net operating income to assets | 0.9937% | 2,252 |
| Return on assets (ROA) | 1.1367% | 1,838 |
| Pretax return on assets | 1.4486% | 1,667 |
| Return on Equity (ROE) | 9.3264% | 2,371 |
| Retained earnings to average equity (ytd only) | 5.1411% | 2,917 |
| Net charge-offs to loans | 0.4758% | 2,670 |
| Credit loss provision to net charge-offs | 94.8956% | 3,313 |
| Earnings coverage of net charge-offs (x) | 6.2668% | 2,431 |
| Efficiency ratio | 63.2467% | 5,370 |
| Assets per employee ($millions) | 3.1254% | 5,820 |
| Cash dividends to net income (ytd only)* | 44.8762% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 4,181 |
| Loan loss allowance to noncurrent loans | 78.1100% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 2.3029% | 2,857 |
| Noncurrent loans to loans | 1.9069% | 3,597 |
| Net loans and leases to total assets | 46.8419% | 6,171 |
| Net loans and leases to deposits | 59.0382% | 5,817 |
| Net loans and leases to core deposits | 66.3920% | 5,459 |
| Total domestic deposits to total assets | 79.3418% | 5,996 |
| Equity capital to assets | 12.7225% | 1,660 |
| Core capital (leverage) ratio | 12.9794% | 1,177 |
| Tier 1 risk-based capital ratio | 22.3399% | 1,207 |
| Total risk-based capital ratio | 23.5720% | 1,183 |
| Memoranda: | ||
| Average total assets | $362,287,670 | 1,808 |
| Average earning assets | $326,089,670 | 1,827 |
| Average equity | $44,154,330 | 1,524 |
| Average total loans | $181,154,330 | 2,268 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7552% | 798 |
| Cost of funding earning assets | 1.7215% | 510 |
| Net interest margin | 4.0337% | 2,550 |
| Noninterest income to average assets | 0.6005% | 3,162 |
| Noninterest expense to average assets | 2.6182% | 5,161 |
| Loan and lease loss provision to assets | 0.1627% | 4,002 |
| Net operating income to assets | 1.0060% | 2,167 |
| Return on assets (ROA) | 1.0060% | 2,214 |
| Pretax return on assets | 1.4483% | 1,604 |
| Return on Equity (ROE) | 8.4450% | 2,724 |
| Retained earnings to average equity (ytd only) | 1.0287% | 5,414 |
| Net charge-offs to loans | 0.3390% | 2,700 |
| Credit loss provision to net charge-offs | 93.5897% | 2,869 |
| Earnings coverage of net charge-offs (x) | 9.2692% | 1,740 |
| Efficiency ratio | 61.9073% | 5,698 |
| Assets per employee ($millions) | 3.2321% | 5,635 |
| Cash dividends to net income (ytd only)* | 87.8184% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 4,377 |
| Loan loss allowance to noncurrent loans | 83.7002% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 2.7918% | 2,467 |
| Noncurrent loans to loans | 1.7483% | 3,893 |
| Net loans and leases to total assets | 48.8125% | 5,975 |
| Net loans and leases to deposits | 61.1855% | 5,601 |
| Net loans and leases to core deposits | 75.1135% | 4,412 |
| Total domestic deposits to total assets | 79.7780% | 5,998 |
| Equity capital to assets | 12.0437% | 1,891 |
| Core capital (leverage) ratio | 12.9130% | 1,152 |
| Tier 1 risk-based capital ratio | 21.4936% | 1,313 |
| Total risk-based capital ratio | 22.7113% | 1,292 |
| Memoranda: | ||
| Average total assets | $359,030,500 | 1,831 |
| Average earning assets | $322,976,000 | 1,862 |
| Average equity | $42,771,000 | 1,554 |
| Average total loans | $184,048,500 | 2,256 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0371% | 791 |
| Cost of funding earning assets | 1.8678% | 950 |
| Net interest margin | 4.1693% | 2,297 |
| Noninterest income to average assets | 0.5615% | 3,735 |
| Noninterest expense to average assets | 2.6960% | 5,006 |
| Loan and lease loss provision to assets | 0.5199% | 3,073 |
| Net operating income to assets | 0.8803% | 2,466 |
| Return on assets (ROA) | 1.1364% | 1,669 |
| Pretax return on assets | 1.4697% | 1,451 |
| Return on Equity (ROE) | 9.4063% | 2,142 |
| Retained earnings to average equity (ytd only) | 6.6434% | 1,484 |
| Net charge-offs to loans | 0.7805% | 2,685 |
| Credit loss provision to net charge-offs | 124.7978% | 3,295 |
| Earnings coverage of net charge-offs (x) | 3.9771% | 3,117 |
| Efficiency ratio | 61.9349% | 5,742 |
| Assets per employee ($millions) | 3.1792% | 5,720 |
| Cash dividends to net income (ytd only)* | 29.3725% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 4,538 |
| Loan loss allowance to noncurrent loans | 32.5507% | 6,145 |
| Noncurrent assets plus other real estate owned to assets | 2.5574% | 2,716 |
| Noncurrent loans to loans | 4.2866% | 1,682 |
| Net loans and leases to total assets | 52.2768% | 5,872 |
| Net loans and leases to deposits | 65.3754% | 5,468 |
| Net loans and leases to core deposits | 80.3434% | 4,162 |
| Total domestic deposits to total assets | 79.9641% | 5,847 |
| Equity capital to assets | 11.7800% | 2,053 |
| Core capital (leverage) ratio | 12.8549% | 1,178 |
| Tier 1 risk-based capital ratio | 21.2844% | 1,278 |
| Total risk-based capital ratio | 22.4984% | 1,260 |
| Memoranda: | ||
| Average total assets | $356,199,600 | 1,837 |
| Average earning assets | $323,914,800 | 1,840 |
| Average equity | $43,035,200 | 1,544 |
| Average total loans | $190,139,000 | 2,248 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0978% | 764 |
| Cost of funding earning assets | 1.8867% | 1,070 |
| Net interest margin | 4.2110% | 2,184 |
| Noninterest income to average assets | 0.4955% | 4,223 |
| Noninterest expense to average assets | 2.6001% | 5,321 |
| Loan and lease loss provision to assets | 0.2807% | 4,330 |
| Net operating income to assets | 0.9960% | 2,242 |
| Return on assets (ROA) | 1.0768% | 2,089 |
| Pretax return on assets | 1.5645% | 1,431 |
| Return on Equity (ROE) | 8.8573% | 2,537 |
| Retained earnings to average equity (ytd only) | 5.7786% | 2,487 |
| Net charge-offs to loans | 0.2205% | 4,620 |
| Credit loss provision to net charge-offs | 238.0952% | 1,415 |
| Earnings coverage of net charge-offs (x) | 14.6571% | 1,499 |
| Efficiency ratio | 60.0744% | 5,940 |
| Assets per employee ($millions) | 3.2072% | 5,665 |
| Cash dividends to net income (ytd only)* | 34.7585% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4116% | 4,395 |
| Loan loss allowance to noncurrent loans | 37.3427% | 5,855 |
| Noncurrent assets plus other real estate owned to assets | 2.2547% | 3,132 |
| Noncurrent loans to loans | 3.7802% | 2,042 |
| Net loans and leases to total assets | 52.5164% | 6,039 |
| Net loans and leases to deposits | 66.8732% | 5,563 |
| Net loans and leases to core deposits | 81.9436% | 4,254 |
| Total domestic deposits to total assets | 78.5313% | 6,140 |
| Equity capital to assets | 12.7460% | 1,719 |
| Core capital (leverage) ratio | 12.2315% | 1,548 |
| Tier 1 risk-based capital ratio | 20.6071% | 1,424 |
| Total risk-based capital ratio | 21.8573% | 1,407 |
| Memoranda: | ||
| Average total assets | $356,232,000 | 1,858 |
| Average earning assets | $324,220,500 | 1,860 |
| Average equity | $43,307,750 | 1,540 |
| Average total loans | $190,479,750 | 2,286 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1502% | 690 |
| Cost of funding earning assets | 1.9116% | 1,195 |
| Net interest margin | 4.2386% | 2,026 |
| Noninterest income to average assets | 0.4752% | 4,318 |
| Noninterest expense to average assets | 2.5768% | 5,424 |
| Loan and lease loss provision to assets | 0.2331% | 4,584 |
| Net operating income to assets | 1.0494% | 2,018 |
| Return on assets (ROA) | 1.0770% | 2,004 |
| Pretax return on assets | 1.5589% | 1,402 |
| Return on Equity (ROE) | 9.0061% | 2,464 |
| Retained earnings to average equity (ytd only) | 4.9997% | 2,900 |
| Net charge-offs to loans | 0.1399% | 4,829 |
| Credit loss provision to net charge-offs | 311.2782% | 1,173 |
| Earnings coverage of net charge-offs (x) | 23.3985% | 1,104 |
| Efficiency ratio | 59.5266% | 6,138 |
| Assets per employee ($millions) | 3.0940% | 5,930 |
| Cash dividends to net income (ytd only)* | 44.4851% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 4,659 |
| Loan loss allowance to noncurrent loans | 36.3805% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 2.1795% | 3,282 |
| Noncurrent loans to loans | 3.7218% | 2,095 |
| Net loans and leases to total assets | 52.1517% | 6,196 |
| Net loans and leases to deposits | 66.0233% | 5,798 |
| Net loans and leases to core deposits | 80.6983% | 4,595 |
| Total domestic deposits to total assets | 78.9899% | 6,043 |
| Equity capital to assets | 12.4257% | 1,844 |
| Core capital (leverage) ratio | 12.0695% | 1,608 |
| Tier 1 risk-based capital ratio | 20.4428% | 1,441 |
| Total risk-based capital ratio | 21.6518% | 1,418 |
| Memoranda: | ||
| Average total assets | $355,242,000 | 1,885 |
| Average earning assets | $322,983,000 | 1,877 |
| Average equity | $42,482,330 | 1,560 |
| Average total loans | $190,192,670 | 2,312 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1994% | 640 |
| Cost of funding earning assets | 1.9435% | 1,265 |
| Net interest margin | 4.2559% | 1,835 |
| Noninterest income to average assets | 0.4339% | 4,622 |
| Noninterest expense to average assets | 2.5704% | 5,477 |
| Loan and lease loss provision to assets | 0.2130% | 4,381 |
| Net operating income to assets | 1.0263% | 2,085 |
| Return on assets (ROA) | 1.0807% | 1,970 |
| Pretax return on assets | 1.5799% | 1,315 |
| Return on Equity (ROE) | 9.2173% | 2,420 |
| Retained earnings to average equity (ytd only) | 2.3067% | 4,751 |
| Net charge-offs to loans | 0.1297% | 4,188 |
| Credit loss provision to net charge-offs | 304.8387% | 1,289 |
| Earnings coverage of net charge-offs (x) | 24.5161% | 1,011 |
| Efficiency ratio | 60.0105% | 6,172 |
| Assets per employee ($millions) | 3.0642% | 6,080 |
| Cash dividends to net income (ytd only)* | 74.9739% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2576% | 5,169 |
| Loan loss allowance to noncurrent loans | 146.4504% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.6744% | 5,829 |
| Noncurrent loans to loans | 0.8587% | 5,599 |
| Net loans and leases to total assets | 52.8607% | 6,167 |
| Net loans and leases to deposits | 66.3832% | 5,781 |
| Net loans and leases to core deposits | 81.4063% | 4,569 |
| Total domestic deposits to total assets | 79.6296% | 5,907 |
| Equity capital to assets | 11.8419% | 2,139 |
| Core capital (leverage) ratio | 11.9224% | 1,679 |
| Tier 1 risk-based capital ratio | 15.7371% | 2,758 |
| Total risk-based capital ratio | 16.6284% | 2,881 |
| Memoranda: | ||
| Average total assets | $354,958,000 | 1,931 |
| Average earning assets | $321,063,500 | 1,939 |
| Average equity | $41,617,500 | 1,602 |
| Average total loans | $191,235,000 | 2,356 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3545% | 926 |
| Cost of funding earning assets | 2.2996% | 1,659 |
| Net interest margin | 4.0549% | 2,626 |
| Noninterest income to average assets | 0.5119% | 4,320 |
| Noninterest expense to average assets | 2.7285% | 5,254 |
| Loan and lease loss provision to assets | 0.1072% | 6,570 |
| Net operating income to assets | 0.9449% | 2,024 |
| Return on assets (ROA) | 0.9560% | 2,044 |
| Pretax return on assets | 1.3886% | 1,461 |
| Return on Equity (ROE) | 8.3837% | 2,242 |
| Retained earnings to average equity (ytd only) | 5.6261% | 1,511 |
| Net charge-offs to loans | 0.2949% | 4,785 |
| Credit loss provision to net charge-offs | 68.0357% | 6,527 |
| Earnings coverage of net charge-offs (x) | 9.3946% | 1,810 |
| Efficiency ratio | 64.8376% | 5,610 |
| Assets per employee ($millions) | 3.0297% | 6,147 |
| Cash dividends to net income (ytd only)* | 32.8920% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 5,477 |
| Loan loss allowance to noncurrent loans | 231.2245% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.5329% | 6,124 |
| Noncurrent loans to loans | 0.5099% | 6,230 |
| Net loans and leases to total assets | 53.5785% | 6,235 |
| Net loans and leases to deposits | 67.1831% | 5,925 |
| Net loans and leases to core deposits | 94.2106% | 4,652 |
| Total domestic deposits to total assets | 79.7500% | 5,754 |
| Equity capital to assets | 11.6071% | 2,243 |
| Core capital (leverage) ratio | 11.8521% | 1,736 |
| Tier 1 risk-based capital ratio | 15.6711% | 2,649 |
| Total risk-based capital ratio | 16.5163% | 2,776 |
| Memoranda: | ||
| Average total assets | $355,541,200 | 1,909 |
| Average earning assets | $324,101,400 | 1,920 |
| Average equity | $40,543,000 | 1,653 |
| Average total loans | $189,900,000 | 2,406 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3489% | 1,030 |
| Cost of funding earning assets | 2.3496% | 1,810 |
| Net interest margin | 3.9992% | 2,825 |
| Noninterest income to average assets | 0.4913% | 4,559 |
| Noninterest expense to average assets | 2.7415% | 5,141 |
| Loan and lease loss provision to assets | 0.1049% | 6,327 |
| Net operating income to assets | 0.8985% | 2,427 |
| Return on assets (ROA) | 0.8791% | 2,576 |
| Pretax return on assets | 1.2797% | 2,010 |
| Return on Equity (ROE) | 7.7438% | 2,754 |
| Retained earnings to average equity (ytd only) | 4.4858% | 2,766 |
| Net charge-offs to loans | 0.3655% | 3,822 |
| Credit loss provision to net charge-offs | 53.9499% | 6,254 |
| Earnings coverage of net charge-offs (x) | 7.2640% | 2,437 |
| Efficiency ratio | 65.9931% | 5,361 |
| Assets per employee ($millions) | 3.0295% | 6,083 |
| Cash dividends to net income (ytd only)* | 42.0717% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 5,307 |
| Loan loss allowance to noncurrent loans | 206.9418% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.5654% | 6,042 |
| Noncurrent loans to loans | 0.5647% | 6,181 |
| Net loans and leases to total assets | 52.6390% | 6,545 |
| Net loans and leases to deposits | 66.3254% | 6,281 |
| Net loans and leases to core deposits | 95.0953% | 4,919 |
| Total domestic deposits to total assets | 79.3648% | 5,673 |
| Equity capital to assets | 11.8649% | 2,313 |
| Core capital (leverage) ratio | 11.5767% | 2,028 |
| Tier 1 risk-based capital ratio | 15.5206% | 2,816 |
| Total risk-based capital ratio | 16.3540% | 2,935 |
| Memoranda: | ||
| Average total assets | $355,808,000 | 1,925 |
| Average earning assets | $325,887,500 | 1,925 |
| Average equity | $40,392,750 | 1,673 |
| Average total loans | $189,328,000 | 2,434 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3147% | 1,169 |
| Cost of funding earning assets | 2.4060% | 1,946 |
| Net interest margin | 3.9088% | 3,072 |
| Noninterest income to average assets | 0.4968% | 4,473 |
| Noninterest expense to average assets | 2.7435% | 5,205 |
| Loan and lease loss provision to assets | 0.0786% | 6,401 |
| Net operating income to assets | 0.8600% | 2,608 |
| Return on assets (ROA) | 0.8600% | 2,712 |
| Pretax return on assets | 1.2463% | 2,174 |
| Return on Equity (ROE) | 7.6910% | 2,893 |
| Retained earnings to average equity (ytd only) | 3.3937% | 3,437 |
| Net charge-offs to loans | 0.3915% | 3,243 |
| Credit loss provision to net charge-offs | 37.7358% | 5,933 |
| Earnings coverage of net charge-offs (x) | 6.3612% | 2,636 |
| Efficiency ratio | 67.4348% | 5,267 |
| Assets per employee ($millions) | 2.9438% | 6,284 |
| Cash dividends to net income (ytd only)* | 55.8747% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 5,127 |
| Loan loss allowance to noncurrent loans | 164.6097% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.6836% | 5,705 |
| Noncurrent loans to loans | 0.7127% | 5,811 |
| Net loans and leases to total assets | 52.3604% | 6,636 |
| Net loans and leases to deposits | 65.0697% | 6,472 |
| Net loans and leases to core deposits | 93.3431% | 5,194 |
| Total domestic deposits to total assets | 80.4681% | 5,291 |
| Equity capital to assets | 11.0037% | 2,920 |
| Core capital (leverage) ratio | 11.3503% | 2,169 |
| Tier 1 risk-based capital ratio | 15.1877% | 2,942 |
| Total risk-based capital ratio | 16.0185% | 3,052 |
| Memoranda: | ||
| Average total assets | $356,261,330 | 1,946 |
| Average earning assets | $325,524,670 | 1,946 |
| Average equity | $39,838,670 | 1,707 |
| Average total loans | $189,509,330 | 2,462 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3339% | 1,207 |
| Cost of funding earning assets | 2.4522% | 2,097 |
| Net interest margin | 3.8817% | 3,129 |
| Noninterest income to average assets | 0.5243% | 4,101 |
| Noninterest expense to average assets | 2.6091% | 5,419 |
| Loan and lease loss provision to assets | 0.0696% | 6,085 |
| Net operating income to assets | 0.9756% | 2,414 |
| Return on assets (ROA) | 0.9756% | 2,540 |
| Pretax return on assets | 1.4033% | 1,955 |
| Return on Equity (ROE) | 8.6553% | 2,857 |
| Retained earnings to average equity (ytd only) | 1.0558% | 5,219 |
| Net charge-offs to loans | 0.6108% | 1,953 |
| Credit loss provision to net charge-offs | 21.3793% | 5,061 |
| Earnings coverage of net charge-offs (x) | 4.5241% | 2,867 |
| Efficiency ratio | 63.9164% | 5,704 |
| Assets per employee ($millions) | 2.9472% | 6,297 |
| Cash dividends to net income (ytd only)* | 87.8021% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 5,008 |
| Loan loss allowance to noncurrent loans | 217.1401% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.6265% | 5,611 |
| Noncurrent loans to loans | 0.5369% | 6,075 |
| Net loans and leases to total assets | 52.7063% | 6,615 |
| Net loans and leases to deposits | 65.5634% | 6,414 |
| Net loans and leases to core deposits | 94.4868% | 5,115 |
| Total domestic deposits to total assets | 80.3898% | 5,214 |
| Equity capital to assets | 11.1100% | 2,884 |
| Core capital (leverage) ratio | 11.2522% | 2,304 |
| Tier 1 risk-based capital ratio | 15.3807% | 2,903 |
| Total risk-based capital ratio | 16.2310% | 3,010 |
| Memoranda: | ||
| Average total assets | $356,293,500 | 1,947 |
| Average earning assets | $326,561,000 | 1,938 |
| Average equity | $40,160,500 | 1,698 |
| Average total loans | $189,904,000 | 2,476 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5985% | 2,500 |
| Cost of funding earning assets | 2.8386% | 2,535 |
| Net interest margin | 3.7599% | 4,179 |
| Noninterest income to average assets | 0.5847% | 3,975 |
| Noninterest expense to average assets | 2.6188% | 5,580 |
| Loan and lease loss provision to assets | 0.0326% | 6,999 |
| Net operating income to assets | 0.9926% | 2,589 |
| Return on assets (ROA) | 1.0396% | 2,288 |
| Pretax return on assets | 1.4313% | 1,866 |
| Return on Equity (ROE) | 9.5602% | 2,413 |
| Retained earnings to average equity (ytd only) | 7.4671% | 994 |
| Net charge-offs to loans | 0.2220% | 4,008 |
| Credit loss provision to net charge-offs | 28.1623% | 6,541 |
| Earnings coverage of net charge-offs (x) | 12.0764% | 2,294 |
| Efficiency ratio | 65.1731% | 5,285 |
| Assets per employee ($millions) | 2.9914% | 6,070 |
| Cash dividends to net income (ytd only)* | 21.8941% | 4,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 3,865 |
| Loan loss allowance to noncurrent loans | 123.9230% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.7248% | 5,056 |
| Noncurrent loans to loans | 1.0404% | 4,502 |
| Net loans and leases to total assets | 52.5848% | 6,792 |
| Net loans and leases to deposits | 65.7084% | 6,663 |
| Net loans and leases to core deposits | 102.2544% | 4,581 |
| Total domestic deposits to total assets | 80.0276% | 5,008 |
| Equity capital to assets | 11.4338% | 2,676 |
| Core capital (leverage) ratio | 11.2679% | 2,389 |
| Tier 1 risk-based capital ratio | 15.5527% | 2,826 |
| Total risk-based capital ratio | 16.4965% | 2,869 |
| Memoranda: | ||
| Average total assets | $361,571,000 | 1,855 |
| Average earning assets | $330,196,600 | 1,851 |
| Average equity | $39,319,400 | 1,713 |
| Average total loans | $188,727,800 | 2,411 |