Home > Tri-Parish Bank > Performance and Condition Ratios
Tri-Parish Bank, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8054% | 4,037 |
| Cost of funding earning assets | 0.2318% | 4,717 |
| Net interest margin | 3.5736% | 3,253 |
| Noninterest income to average assets | 0.6653% | 2,113 |
| Noninterest expense to average assets | 2.3825% | 4,124 |
| Loan and lease loss provision to assets | 0.1940% | 1,083 |
| Net operating income to assets | 1.4298% | 947 |
| Return on assets (ROA) | 1.4402% | 942 |
| Pretax return on assets | 1.4402% | 1,851 |
| Return on Equity (ROE) | 12.9342% | 968 |
| Retained earnings to average equity (ytd only) | -0.8007% | 5,162 |
| Net charge-offs to loans | 0.1490% | 1,602 |
| Credit loss provision to net charge-offs | 243.4524% | 1,135 |
| Earnings coverage of net charge-offs (x) | 20.3810% | 1,967 |
| Efficiency ratio | 59.4697% | 4,345 |
| Assets per employee ($millions) | 5.6182% | 1,828 |
| Cash dividends to net income (ytd only)* | 106.1903% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 3,708 |
| Loan loss allowance to noncurrent loans | 87.9358% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 0.7365% | 2,124 |
| Noncurrent loans to loans | 1.1775% | 1,508 |
| Net loans and leases to total assets | 57.9785% | 4,008 |
| Net loans and leases to deposits | 66.3421% | 4,160 |
| Net loans and leases to core deposits | 69.3419% | 4,215 |
| Total domestic deposits to total assets | 87.3932% | 1,819 |
| Equity capital to assets | 11.1901% | 2,438 |
| Core capital (leverage) ratio | 11.3030% | 2,094 |
| Tier 1 risk-based capital ratio | 16.8663% | 2,139 |
| Total risk-based capital ratio | 17.7682% | 2,198 |
| Memoranda: | ||
| Average total assets | $210,872,800 | 2,813 |
| Average earning assets | $197,141,000 | 2,797 |
| Average equity | $23,480,400 | 2,809 |
| Average total loans | $112,738,200 | 3,148 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7371% | 4,219 |
| Cost of funding earning assets | 0.2222% | 4,792 |
| Net interest margin | 3.5149% | 3,450 |
| Noninterest income to average assets | 0.6502% | 2,210 |
| Noninterest expense to average assets | 2.3292% | 4,218 |
| Loan and lease loss provision to assets | 0.2142% | 880 |
| Net operating income to assets | 1.3949% | 1,099 |
| Return on assets (ROA) | 1.3949% | 1,121 |
| Pretax return on assets | 1.3949% | 2,134 |
| Return on Equity (ROE) | 12.5426% | 1,173 |
| Retained earnings to average equity (ytd only) | -0.0623% | 5,217 |
| Net charge-offs to loans | 0.1834% | 1,153 |
| Credit loss provision to net charge-offs | 223.6842% | 1,240 |
| Earnings coverage of net charge-offs (x) | 16.8028% | 2,151 |
| Efficiency ratio | 59.1425% | 4,332 |
| Assets per employee ($millions) | 5.4676% | 1,955 |
| Cash dividends to net income (ytd only)* | 100.4966% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 3,752 |
| Loan loss allowance to noncurrent loans | 78.0362% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 0.7451% | 2,265 |
| Noncurrent loans to loans | 1.3529% | 1,395 |
| Net loans and leases to total assets | 54.4891% | 4,376 |
| Net loans and leases to deposits | 62.6209% | 4,471 |
| Net loans and leases to core deposits | 65.4671% | 4,518 |
| Total domestic deposits to total assets | 87.0144% | 1,871 |
| Equity capital to assets | 11.5759% | 2,294 |
| Core capital (leverage) ratio | 11.3619% | 2,132 |
| Tier 1 risk-based capital ratio | 18.1583% | 1,814 |
| Total risk-based capital ratio | 19.0815% | 1,851 |
| Memoranda: | ||
| Average total assets | $211,623,000 | 2,825 |
| Average earning assets | $197,974,000 | 2,813 |
| Average equity | $23,535,250 | 2,828 |
| Average total loans | $110,477,250 | 3,198 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7790% | 3,968 |
| Cost of funding earning assets | 0.2158% | 4,833 |
| Net interest margin | 3.5632% | 3,173 |
| Noninterest income to average assets | 0.6463% | 2,226 |
| Noninterest expense to average assets | 2.3381% | 4,250 |
| Loan and lease loss provision to assets | 0.2480% | 674 |
| Net operating income to assets | 1.3950% | 1,084 |
| Return on assets (ROA) | 1.3950% | 1,106 |
| Pretax return on assets | 1.3950% | 2,043 |
| Return on Equity (ROE) | 12.7122% | 1,108 |
| Retained earnings to average equity (ytd only) | -0.3424% | 5,132 |
| Net charge-offs to loans | 0.2235% | 912 |
| Credit loss provision to net charge-offs | 216.3934% | 1,199 |
| Earnings coverage of net charge-offs (x) | 14.3361% | 2,079 |
| Efficiency ratio | 58.7305% | 4,501 |
| Assets per employee ($millions) | 5.6190% | 1,772 |
| Cash dividends to net income (ytd only)* | 102.6936% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 4,155 |
| Loan loss allowance to noncurrent loans | 261.9369% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 4,308 |
| Noncurrent loans to loans | 0.3814% | 3,655 |
| Net loans and leases to total assets | 55.4412% | 4,275 |
| Net loans and leases to deposits | 63.8953% | 4,373 |
| Net loans and leases to core deposits | 66.2288% | 4,456 |
| Total domestic deposits to total assets | 86.7688% | 2,055 |
| Equity capital to assets | 11.4880% | 2,329 |
| Core capital (leverage) ratio | 11.1790% | 2,241 |
| Tier 1 risk-based capital ratio | 17.8568% | 1,901 |
| Total risk-based capital ratio | 18.7318% | 1,971 |
| Memoranda: | ||
| Average total assets | $212,908,000 | 2,824 |
| Average earning assets | $199,257,000 | 2,811 |
| Average equity | $23,363,330 | 2,844 |
| Average total loans | $109,163,330 | 3,236 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6897% | 4,141 |
| Cost of funding earning assets | 0.2161% | 4,835 |
| Net interest margin | 3.4736% | 3,378 |
| Noninterest income to average assets | 0.6406% | 2,226 |
| Noninterest expense to average assets | 2.2952% | 4,418 |
| Loan and lease loss provision to assets | 0.3175% | 397 |
| Net operating income to assets | 1.2813% | 1,292 |
| Return on assets (ROA) | 1.2813% | 1,326 |
| Pretax return on assets | 1.2813% | 2,296 |
| Return on Equity (ROE) | 11.9465% | 1,255 |
| Retained earnings to average equity (ytd only) | 11.9465% | 476 |
| Net charge-offs to loans | 0.3715% | 493 |
| Credit loss provision to net charge-offs | 174.4898% | 1,109 |
| Earnings coverage of net charge-offs (x) | 8.7857% | 2,034 |
| Efficiency ratio | 58.9413% | 4,597 |
| Assets per employee ($millions) | 6.1730% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9983% | 4,302 |
| Loan loss allowance to noncurrent loans | 286.1257% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 4,532 |
| Noncurrent loans to loans | 0.3489% | 3,847 |
| Net loans and leases to total assets | 50.1669% | 4,657 |
| Net loans and leases to deposits | 57.6980% | 4,722 |
| Net loans and leases to core deposits | 59.2281% | 4,817 |
| Total domestic deposits to total assets | 86.9473% | 2,245 |
| Equity capital to assets | 10.9306% | 2,710 |
| Core capital (leverage) ratio | 11.2395% | 2,158 |
| Tier 1 risk-based capital ratio | 17.4160% | 2,060 |
| Total risk-based capital ratio | 18.1942% | 2,157 |
| Memoranda: | ||
| Average total assets | $215,410,500 | 2,831 |
| Average earning assets | $201,752,000 | 2,817 |
| Average equity | $23,103,000 | 2,880 |
| Average total loans | $105,531,500 | 3,307 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4068% | 4,966 |
| Cost of funding earning assets | 0.2083% | 4,938 |
| Net interest margin | 3.1985% | 4,458 |
| Noninterest income to average assets | 0.7192% | 2,084 |
| Noninterest expense to average assets | 3.1057% | 2,015 |
| Loan and lease loss provision to assets | 0.1204% | 2,054 |
| Net operating income to assets | 0.4736% | 4,730 |
| Return on assets (ROA) | 0.5492% | 4,539 |
| Pretax return on assets | 0.5492% | 4,924 |
| Return on Equity (ROE) | 4.8387% | 4,498 |
| Retained earnings to average equity (ytd only) | 1.2773% | 4,774 |
| Net charge-offs to loans | 0.1751% | 1,568 |
| Credit loss provision to net charge-offs | 157.4074% | 1,749 |
| Earnings coverage of net charge-offs (x) | 7.7654% | 2,967 |
| Efficiency ratio | 83.9438% | 1,014 |
| Assets per employee ($millions) | 6.7114% | 1,048 |
| Cash dividends to net income (ytd only)* | 73.6028% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 4,298 |
| Loan loss allowance to noncurrent loans | 390.8046% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 4,828 |
| Noncurrent loans to loans | 0.2569% | 4,232 |
| Net loans and leases to total assets | 46.8240% | 4,965 |
| Net loans and leases to deposits | 53.7302% | 5,027 |
| Net loans and leases to core deposits | 55.2724% | 5,086 |
| Total domestic deposits to total assets | 87.1465% | 2,061 |
| Equity capital to assets | 10.5184% | 3,134 |
| Core capital (leverage) ratio | 10.8999% | 2,440 |
| Tier 1 risk-based capital ratio | 18.6411% | 1,690 |
| Total risk-based capital ratio | 19.4410% | 1,764 |
| Memoranda: | ||
| Average total assets | $211,770,600 | 2,844 |
| Average earning assets | $197,340,400 | 2,820 |
| Average equity | $24,035,400 | 2,796 |
| Average total loans | $92,507,400 | 3,524 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3129% | 5,200 |
| Cost of funding earning assets | 0.2077% | 4,989 |
| Net interest margin | 3.1051% | 4,764 |
| Noninterest income to average assets | 0.7487% | 1,971 |
| Noninterest expense to average assets | 3.1699% | 1,851 |
| Loan and lease loss provision to assets | 0.0796% | 2,623 |
| Net operating income to assets | 0.3892% | 5,053 |
| Return on assets (ROA) | 0.4903% | 4,823 |
| Pretax return on assets | 0.4903% | 5,143 |
| Return on Equity (ROE) | 4.2409% | 4,815 |
| Retained earnings to average equity (ytd only) | -0.4372% | 5,433 |
| Net charge-offs to loans | 0.1788% | 1,302 |
| Credit loss provision to net charge-offs | 104.1322% | 2,297 |
| Earnings coverage of net charge-offs (x) | 6.1322% | 3,036 |
| Efficiency ratio | 87.1158% | 728 |
| Assets per employee ($millions) | 6.5505% | 1,071 |
| Cash dividends to net income (ytd only)* | 110.3089% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9298% | 4,755 |
| Loan loss allowance to noncurrent loans | 58.2500% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 0.7184% | 2,765 |
| Noncurrent loans to loans | 1.5961% | 1,352 |
| Net loans and leases to total assets | 44.5900% | 5,156 |
| Net loans and leases to deposits | 51.4765% | 5,230 |
| Net loans and leases to core deposits | 52.9106% | 5,269 |
| Total domestic deposits to total assets | 86.6221% | 2,075 |
| Equity capital to assets | 11.0072% | 3,005 |
| Core capital (leverage) ratio | 11.2366% | 2,245 |
| Tier 1 risk-based capital ratio | 19.1532% | 1,637 |
| Total risk-based capital ratio | 19.9166% | 1,714 |
| Memoranda: | ||
| Average total assets | $211,021,750 | 2,857 |
| Average earning assets | $196,401,750 | 2,838 |
| Average equity | $24,396,750 | 2,789 |
| Average total loans | $90,238,750 | 3,589 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3737% | 5,136 |
| Cost of funding earning assets | 0.2090% | 5,055 |
| Net interest margin | 3.1647% | 4,654 |
| Noninterest income to average assets | 0.7966% | 1,730 |
| Noninterest expense to average assets | 2.7549% | 3,180 |
| Loan and lease loss provision to assets | 0.0502% | 3,147 |
| Net operating income to assets | 0.9299% | 2,725 |
| Return on assets (ROA) | 1.0824% | 2,159 |
| Pretax return on assets | 1.0824% | 3,272 |
| Return on Equity (ROE) | 9.2046% | 2,403 |
| Retained earnings to average equity (ytd only) | 2.1759% | 4,482 |
| Net charge-offs to loans | 0.2670% | 900 |
| Credit loss provision to net charge-offs | 44.8276% | 2,721 |
| Earnings coverage of net charge-offs (x) | 8.7500% | 2,493 |
| Efficiency ratio | 73.7590% | 2,393 |
| Assets per employee ($millions) | 5.5857% | 1,712 |
| Cash dividends to net income (ytd only)* | 76.3604% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 4,492 |
| Loan loss allowance to noncurrent loans | 1,269.1176% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 5,459 |
| Noncurrent loans to loans | 0.0791% | 5,133 |
| Net loans and leases to total assets | 41.1710% | 5,373 |
| Net loans and leases to deposits | 48.3499% | 5,414 |
| Net loans and leases to core deposits | 49.9478% | 5,434 |
| Total domestic deposits to total assets | 85.1523% | 2,799 |
| Equity capital to assets | 12.0742% | 2,080 |
| Core capital (leverage) ratio | 11.4260% | 2,048 |
| Tier 1 risk-based capital ratio | 21.8688% | 1,151 |
| Total risk-based capital ratio | 22.6641% | 1,188 |
| Memoranda: | ||
| Average total assets | $207,123,000 | 2,909 |
| Average earning assets | $192,309,000 | 2,905 |
| Average equity | $24,357,330 | 2,801 |
| Average total loans | $86,904,330 | 3,670 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3746% | 5,176 |
| Cost of funding earning assets | 0.2097% | 5,112 |
| Net interest margin | 3.1649% | 4,689 |
| Noninterest income to average assets | 0.7659% | 1,750 |
| Noninterest expense to average assets | 2.6969% | 3,429 |
| Loan and lease loss provision to assets | -0.1273% | 5,999 |
| Net operating income to assets | 1.1363% | 1,766 |
| Return on assets (ROA) | 1.4411% | 1,005 |
| Pretax return on assets | 1.4411% | 1,772 |
| Return on Equity (ROE) | 12.4195% | 1,179 |
| Retained earnings to average equity (ytd only) | 5.3036% | 2,764 |
| Net charge-offs to loans | 0.0046% | 2,965 |
| Credit loss provision to net charge-offs | -6,600.0000% | 5,042 |
| Earnings coverage of net charge-offs (x) | 523.0000% | 103 |
| Efficiency ratio | 72.7746% | 2,688 |
| Assets per employee ($millions) | 4.9344% | 2,410 |
| Cash dividends to net income (ytd only)* | 57.2959% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 4,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 40.3662% | 5,438 |
| Net loans and leases to deposits | 47.1493% | 5,460 |
| Net loans and leases to core deposits | 48.7276% | 5,487 |
| Total domestic deposits to total assets | 85.6136% | 2,858 |
| Equity capital to assets | 11.7624% | 2,189 |
| Core capital (leverage) ratio | 11.4931% | 1,975 |
| Tier 1 risk-based capital ratio | 21.9584% | 1,166 |
| Total risk-based capital ratio | 22.7524% | 1,209 |
| Memoranda: | ||
| Average total assets | $207,348,500 | 2,919 |
| Average earning assets | $192,614,000 | 2,904 |
| Average equity | $24,059,000 | 2,827 |
| Average total loans | $87,380,500 | 3,667 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5921% | 4,699 |
| Cost of funding earning assets | 0.2005% | 5,284 |
| Net interest margin | 3.3916% | 3,945 |
| Noninterest income to average assets | 0.9859% | 1,215 |
| Noninterest expense to average assets | 2.7557% | 3,396 |
| Loan and lease loss provision to assets | 0.0077% | 4,242 |
| Net operating income to assets | 1.3771% | 1,079 |
| Return on assets (ROA) | 1.4107% | 1,060 |
| Pretax return on assets | 1.4107% | 1,854 |
| Return on Equity (ROE) | 12.4650% | 1,193 |
| Retained earnings to average equity (ytd only) | 5.2114% | 2,268 |
| Net charge-offs to loans | 0.0663% | 2,909 |
| Credit loss provision to net charge-offs | 25.8065% | 3,696 |
| Earnings coverage of net charge-offs (x) | 46.5806% | 1,053 |
| Efficiency ratio | 66.5547% | 3,820 |
| Assets per employee ($millions) | 4.5098% | 3,032 |
| Cash dividends to net income (ytd only)* | 58.1917% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0272% | 4,454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 43.0543% | 5,344 |
| Net loans and leases to deposits | 51.4475% | 5,313 |
| Net loans and leases to core deposits | 53.4304% | 5,349 |
| Total domestic deposits to total assets | 83.6859% | 3,595 |
| Equity capital to assets | 11.4441% | 2,403 |
| Core capital (leverage) ratio | 11.3834% | 2,054 |
| Tier 1 risk-based capital ratio | 19.5498% | 1,575 |
| Total risk-based capital ratio | 20.3221% | 1,645 |
| Memoranda: | ||
| Average total assets | $208,546,800 | 2,870 |
| Average earning assets | $193,981,400 | 2,846 |
| Average equity | $23,602,000 | 2,823 |
| Average total loans | $93,523,400 | 3,515 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6120% | 4,698 |
| Cost of funding earning assets | 0.1985% | 5,389 |
| Net interest margin | 3.4135% | 3,898 |
| Noninterest income to average assets | 1.0337% | 1,117 |
| Noninterest expense to average assets | 2.8419% | 3,032 |
| Loan and lease loss provision to assets | -0.0568% | 5,927 |
| Net operating income to assets | 1.4219% | 1,056 |
| Return on assets (ROA) | 1.4666% | 1,014 |
| Pretax return on assets | 1.4666% | 1,774 |
| Return on Equity (ROE) | 12.9951% | 1,122 |
| Retained earnings to average equity (ytd only) | 5.7310% | 2,418 |
| Net charge-offs to loans | -0.0240% | 5,263 |
| Credit loss provision to net charge-offs | 523.5294% | 629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5520% | 3,620 |
| Assets per employee ($millions) | 4.4316% | 3,121 |
| Cash dividends to net income (ytd only)* | 55.8991% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 4,782 |
| Loan loss allowance to noncurrent loans | 1,305.7971% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 5,653 |
| Noncurrent loans to loans | 0.0761% | 5,320 |
| Net loans and leases to total assets | 44.9910% | 5,293 |
| Net loans and leases to deposits | 52.9258% | 5,319 |
| Net loans and leases to core deposits | 54.8940% | 5,360 |
| Total domestic deposits to total assets | 85.0077% | 3,001 |
| Equity capital to assets | 11.9525% | 2,139 |
| Core capital (leverage) ratio | 11.5079% | 2,031 |
| Tier 1 risk-based capital ratio | 21.0989% | 1,328 |
| Total risk-based capital ratio | 21.9167% | 1,376 |
| Memoranda: | ||
| Average total assets | $208,820,500 | 2,889 |
| Average earning assets | $194,128,250 | 2,866 |
| Average equity | $23,567,250 | 2,850 |
| Average total loans | $94,343,250 | 3,521 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6608% | 4,541 |
| Cost of funding earning assets | 0.1928% | 5,507 |
| Net interest margin | 3.4680% | 3,627 |
| Noninterest income to average assets | 1.0144% | 1,147 |
| Noninterest expense to average assets | 2.8053% | 3,215 |
| Loan and lease loss provision to assets | -0.0094% | 5,961 |
| Net operating income to assets | 1.4437% | 1,004 |
| Return on assets (ROA) | 1.5135% | 919 |
| Pretax return on assets | 1.5135% | 1,609 |
| Return on Equity (ROE) | 13.6640% | 966 |
| Retained earnings to average equity (ytd only) | 6.3720% | 2,021 |
| Net charge-offs to loans | 0.0565% | 2,598 |
| Credit loss provision to net charge-offs | -37.0370% | 4,779 |
| Earnings coverage of net charge-offs (x) | 56.2963% | 877 |
| Efficiency ratio | 66.1696% | 3,974 |
| Assets per employee ($millions) | 4.5424% | 2,917 |
| Cash dividends to net income (ytd only)* | 53.3666% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 4,868 |
| Loan loss allowance to noncurrent loans | 388.3817% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.1153% | 5,401 |
| Noncurrent loans to loans | 0.2577% | 4,758 |
| Net loans and leases to total assets | 44.3063% | 5,364 |
| Net loans and leases to deposits | 54.5218% | 5,223 |
| Net loans and leases to core deposits | 56.5341% | 5,276 |
| Total domestic deposits to total assets | 81.2635% | 4,528 |
| Equity capital to assets | 11.2228% | 2,649 |
| Core capital (leverage) ratio | 10.8473% | 2,570 |
| Tier 1 risk-based capital ratio | 18.4203% | 1,942 |
| Total risk-based capital ratio | 19.1705% | 2,044 |
| Memoranda: | ||
| Average total assets | $211,953,330 | 2,862 |
| Average earning assets | $197,116,670 | 2,845 |
| Average equity | $23,477,670 | 2,867 |
| Average total loans | $95,583,330 | 3,523 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6732% | 4,459 |
| Cost of funding earning assets | 0.1834% | 5,659 |
| Net interest margin | 3.4898% | 3,479 |
| Noninterest income to average assets | 0.8995% | 1,386 |
| Noninterest expense to average assets | 2.7584% | 3,394 |
| Loan and lease loss provision to assets | 0.0094% | 3,600 |
| Net operating income to assets | 1.3773% | 1,073 |
| Return on assets (ROA) | 1.3773% | 1,134 |
| Pretax return on assets | 1.3773% | 1,969 |
| Return on Equity (ROE) | 12.5152% | 1,213 |
| Retained earnings to average equity (ytd only) | 5.2274% | 2,936 |
| Net charge-offs to loans | 0.0662% | 2,074 |
| Credit loss provision to net charge-offs | 31.2500% | 2,261 |
| Earnings coverage of net charge-offs (x) | 46.2500% | 891 |
| Efficiency ratio | 66.5461% | 4,062 |
| Assets per employee ($millions) | 4.6666% | 2,810 |
| Cash dividends to net income (ytd only)* | 58.2313% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 5,004 |
| Loan loss allowance to noncurrent loans | 3,103.2258% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 5,895 |
| Noncurrent loans to loans | 0.0323% | 5,664 |
| Net loans and leases to total assets | 44.2471% | 5,333 |
| Net loans and leases to deposits | 52.4015% | 5,309 |
| Net loans and leases to core deposits | 54.2243% | 5,355 |
| Total domestic deposits to total assets | 84.4385% | 3,640 |
| Equity capital to assets | 11.0763% | 2,887 |
| Core capital (leverage) ratio | 10.6240% | 2,828 |
| Tier 1 risk-based capital ratio | 17.6884% | 2,240 |
| Total risk-based capital ratio | 18.4433% | 2,363 |
| Memoranda: | ||
| Average total assets | $213,455,000 | 2,870 |
| Average earning assets | $198,519,000 | 2,854 |
| Average equity | $23,491,500 | 2,886 |
| Average total loans | $96,618,000 | 3,511 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6545% | 4,918 |
| Cost of funding earning assets | 0.2019% | 5,725 |
| Net interest margin | 3.4526% | 3,968 |
| Noninterest income to average assets | 0.8319% | 1,743 |
| Noninterest expense to average assets | 2.8033% | 3,467 |
| Loan and lease loss provision to assets | 0.1074% | 2,361 |
| Net operating income to assets | 1.1252% | 1,879 |
| Return on assets (ROA) | 1.1440% | 1,864 |
| Pretax return on assets | 1.1440% | 2,904 |
| Return on Equity (ROE) | 10.9839% | 1,726 |
| Retained earnings to average equity (ytd only) | 3.0662% | 4,059 |
| Net charge-offs to loans | 0.1492% | 2,542 |
| Credit loss provision to net charge-offs | 168.9394% | 1,446 |
| Earnings coverage of net charge-offs (x) | 19.3864% | 1,786 |
| Efficiency ratio | 69.4594% | 3,632 |
| Assets per employee ($millions) | 4.6140% | 2,852 |
| Cash dividends to net income (ytd only)* | 72.0842% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 5,060 |
| Loan loss allowance to noncurrent loans | 2,027.0833% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 5,955 |
| Noncurrent loans to loans | 0.0493% | 5,684 |
| Net loans and leases to total assets | 45.3806% | 5,377 |
| Net loans and leases to deposits | 53.2992% | 5,382 |
| Net loans and leases to core deposits | 55.1782% | 5,433 |
| Total domestic deposits to total assets | 85.1431% | 3,232 |
| Equity capital to assets | 10.9336% | 2,969 |
| Core capital (leverage) ratio | 10.5797% | 2,863 |
| Tier 1 risk-based capital ratio | 17.1442% | 2,456 |
| Total risk-based capital ratio | 17.8945% | 2,604 |
| Memoranda: | ||
| Average total assets | $207,609,000 | 2,905 |
| Average earning assets | $192,667,400 | 2,881 |
| Average equity | $21,622,600 | 2,984 |
| Average total loans | $88,465,200 | 3,664 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6424% | 5,028 |
| Cost of funding earning assets | 0.2041% | 5,787 |
| Net interest margin | 3.4384% | 4,079 |
| Noninterest income to average assets | 0.8241% | 1,799 |
| Noninterest expense to average assets | 2.8978% | 3,128 |
| Loan and lease loss provision to assets | 0.0924% | 2,511 |
| Net operating income to assets | 1.0223% | 2,356 |
| Return on assets (ROA) | 1.0475% | 2,306 |
| Pretax return on assets | 1.0475% | 3,394 |
| Return on Equity (ROE) | 10.1881% | 2,125 |
| Retained earnings to average equity (ytd only) | 2.1231% | 4,994 |
| Net charge-offs to loans | 0.1700% | 2,097 |
| Credit loss provision to net charge-offs | 130.0000% | 1,777 |
| Earnings coverage of net charge-offs (x) | 15.6913% | 2,040 |
| Efficiency ratio | 72.2195% | 3,141 |
| Assets per employee ($millions) | 4.5261% | 2,921 |
| Cash dividends to net income (ytd only)* | 79.1618% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 5,226 |
| Loan loss allowance to noncurrent loans | 1,605.2632% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 6,058 |
| Noncurrent loans to loans | 0.0622% | 5,765 |
| Net loans and leases to total assets | 43.5560% | 5,555 |
| Net loans and leases to deposits | 50.7422% | 5,599 |
| Net loans and leases to core deposits | 52.5229% | 5,655 |
| Total domestic deposits to total assets | 85.8377% | 2,937 |
| Equity capital to assets | 10.7108% | 3,282 |
| Core capital (leverage) ratio | 10.6190% | 2,906 |
| Tier 1 risk-based capital ratio | 16.9034% | 2,647 |
| Total risk-based capital ratio | 17.6093% | 2,831 |
| Memoranda: | ||
| Average total assets | $206,450,000 | 2,942 |
| Average earning assets | $191,443,500 | 2,920 |
| Average equity | $21,226,750 | 3,034 |
| Average total loans | $86,258,750 | 3,747 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6253% | 5,085 |
| Cost of funding earning assets | 0.2063% | 5,862 |
| Net interest margin | 3.4190% | 4,103 |
| Noninterest income to average assets | 0.7791% | 1,920 |
| Noninterest expense to average assets | 2.9203% | 3,097 |
| Loan and lease loss provision to assets | 0.1020% | 2,318 |
| Net operating income to assets | 0.9288% | 2,666 |
| Return on assets (ROA) | 0.9569% | 2,614 |
| Pretax return on assets | 0.9569% | 3,653 |
| Return on Equity (ROE) | 9.4398% | 2,400 |
| Retained earnings to average equity (ytd only) | 1.2363% | 5,258 |
| Net charge-offs to loans | 0.2154% | 1,733 |
| Credit loss provision to net charge-offs | 115.3846% | 1,755 |
| Earnings coverage of net charge-offs (x) | 11.6593% | 2,134 |
| Efficiency ratio | 73.9120% | 2,988 |
| Assets per employee ($millions) | 4.4143% | 3,065 |
| Cash dividends to net income (ytd only)* | 86.9036% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 5,222 |
| Loan loss allowance to noncurrent loans | 814.5455% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 5,864 |
| Noncurrent loans to loans | 0.1262% | 5,641 |
| Net loans and leases to total assets | 42.4847% | 5,647 |
| Net loans and leases to deposits | 49.5048% | 5,670 |
| Net loans and leases to core deposits | 51.1852% | 5,724 |
| Total domestic deposits to total assets | 85.8194% | 3,138 |
| Equity capital to assets | 10.9274% | 2,949 |
| Core capital (leverage) ratio | 10.5621% | 2,873 |
| Tier 1 risk-based capital ratio | 18.8098% | 1,973 |
| Total risk-based capital ratio | 19.5864% | 2,085 |
| Memoranda: | ||
| Average total assets | $205,866,330 | 2,966 |
| Average earning assets | $190,989,000 | 2,934 |
| Average equity | $20,869,000 | 3,076 |
| Average total loans | $84,478,670 | 3,804 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6193% | 5,109 |
| Cost of funding earning assets | 0.2056% | 5,949 |
| Net interest margin | 3.4137% | 4,059 |
| Noninterest income to average assets | 0.7237% | 2,064 |
| Noninterest expense to average assets | 2.8909% | 3,247 |
| Loan and lease loss provision to assets | 0.0232% | 3,527 |
| Net operating income to assets | 0.9823% | 2,279 |
| Return on assets (ROA) | 0.8376% | 3,035 |
| Pretax return on assets | 0.8376% | 3,946 |
| Return on Equity (ROE) | 8.5902% | 2,647 |
| Retained earnings to average equity (ytd only) | 0.1188% | 5,513 |
| Net charge-offs to loans | 0.0818% | 2,334 |
| Credit loss provision to net charge-offs | 70.5882% | 1,999 |
| Earnings coverage of net charge-offs (x) | 30.6471% | 1,041 |
| Efficiency ratio | 74.1951% | 3,094 |
| Assets per employee ($millions) | 4.4747% | 3,011 |
| Cash dividends to net income (ytd only)* | 98.6175% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0437% | 5,335 |
| Loan loss allowance to noncurrent loans | 293.3110% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 5,678 |
| Noncurrent loans to loans | 0.3558% | 5,053 |
| Net loans and leases to total assets | 39.5359% | 5,841 |
| Net loans and leases to deposits | 45.8151% | 5,864 |
| Net loans and leases to core deposits | 47.1957% | 5,920 |
| Total domestic deposits to total assets | 86.2945% | 3,215 |
| Equity capital to assets | 9.8645% | 4,006 |
| Core capital (leverage) ratio | 10.3602% | 3,104 |
| Tier 1 risk-based capital ratio | 18.7081% | 2,055 |
| Total risk-based capital ratio | 19.4685% | 2,166 |
| Memoranda: | ||
| Average total assets | $207,270,000 | 2,966 |
| Average earning assets | $192,634,000 | 2,937 |
| Average equity | $20,209,000 | 3,152 |
| Average total loans | $83,135,500 | 3,855 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7903% | 4,849 |
| Cost of funding earning assets | 0.2624% | 5,891 |
| Net interest margin | 3.5279% | 3,770 |
| Noninterest income to average assets | 0.8042% | 2,066 |
| Noninterest expense to average assets | 2.7650% | 3,853 |
| Loan and lease loss provision to assets | 0.0865% | 3,376 |
| Net operating income to assets | 1.2309% | 1,448 |
| Return on assets (ROA) | 1.3090% | 1,265 |
| Pretax return on assets | 1.3090% | 2,111 |
| Return on Equity (ROE) | 12.6460% | 1,242 |
| Retained earnings to average equity (ytd only) | 3.4524% | 3,775 |
| Net charge-offs to loans | 0.0357% | 4,732 |
| Credit loss provision to net charge-offs | 567.7419% | 415 |
| Earnings coverage of net charge-offs (x) | 86.4516% | 523 |
| Efficiency ratio | 67.7303% | 4,249 |
| Assets per employee ($millions) | 4.3453% | 3,184 |
| Cash dividends to net income (ytd only)* | 72.7000% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 5,267 |
| Loan loss allowance to noncurrent loans | 395.5157% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.1503% | 5,868 |
| Noncurrent loans to loans | 0.2711% | 5,362 |
| Net loans and leases to total assets | 39.8394% | 5,981 |
| Net loans and leases to deposits | 46.1145% | 6,001 |
| Net loans and leases to core deposits | 47.6836% | 6,051 |
| Total domestic deposits to total assets | 86.3923% | 3,048 |
| Equity capital to assets | 9.6323% | 4,241 |
| Core capital (leverage) ratio | 10.5272% | 2,883 |
| Tier 1 risk-based capital ratio | 18.3840% | 2,121 |
| Total risk-based capital ratio | 19.1356% | 2,245 |
| Memoranda: | ||
| Average total assets | $203,434,800 | 2,996 |
| Average earning assets | $189,035,400 | 2,960 |
| Average equity | $21,058,000 | 3,033 |
| Average total loans | $86,892,000 | 3,761 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8400% | 4,698 |
| Cost of funding earning assets | 0.2705% | 5,957 |
| Net interest margin | 3.5695% | 3,581 |
| Noninterest income to average assets | 0.8233% | 2,045 |
| Noninterest expense to average assets | 2.7790% | 3,734 |
| Loan and lease loss provision to assets | 0.0499% | 4,017 |
| Net operating income to assets | 1.3101% | 1,325 |
| Return on assets (ROA) | 1.3921% | 1,169 |
| Pretax return on assets | 1.3921% | 1,955 |
| Return on Equity (ROE) | 13.2181% | 1,192 |
| Retained earnings to average equity (ytd only) | 3.8247% | 3,967 |
| Net charge-offs to loans | 0.0333% | 4,467 |
| Credit loss provision to net charge-offs | 345.4545% | 750 |
| Earnings coverage of net charge-offs (x) | 94.2356% | 518 |
| Efficiency ratio | 67.1422% | 4,271 |
| Assets per employee ($millions) | 4.3793% | 3,085 |
| Cash dividends to net income (ytd only)* | 71.0652% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 5,800 |
| Loan loss allowance to noncurrent loans | 288.6861% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 5,911 |
| Noncurrent loans to loans | 0.3399% | 5,371 |
| Net loans and leases to total assets | 39.6180% | 6,055 |
| Net loans and leases to deposits | 46.1973% | 6,080 |
| Net loans and leases to core deposits | 47.8761% | 6,131 |
| Total domestic deposits to total assets | 85.7582% | 3,375 |
| Equity capital to assets | 9.7032% | 4,299 |
| Core capital (leverage) ratio | 10.5163% | 2,989 |
| Tier 1 risk-based capital ratio | 17.7016% | 2,438 |
| Total risk-based capital ratio | 18.3542% | 2,628 |
| Memoranda: | ||
| Average total assets | $203,236,000 | 3,022 |
| Average earning assets | $188,782,000 | 2,991 |
| Average equity | $21,404,500 | 3,029 |
| Average total loans | $88,053,500 | 3,758 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8746% | 4,572 |
| Cost of funding earning assets | 0.2744% | 6,023 |
| Net interest margin | 3.6002% | 3,355 |
| Noninterest income to average assets | 0.8272% | 2,079 |
| Noninterest expense to average assets | 2.7631% | 3,808 |
| Loan and lease loss provision to assets | 0.0746% | 3,551 |
| Net operating income to assets | 1.3364% | 1,234 |
| Return on assets (ROA) | 1.4590% | 1,042 |
| Pretax return on assets | 1.4590% | 1,746 |
| Return on Equity (ROE) | 13.5037% | 1,123 |
| Retained earnings to average equity (ytd only) | 3.6960% | 3,957 |
| Net charge-offs to loans | 0.0221% | 4,394 |
| Credit loss provision to net charge-offs | 760.0000% | 397 |
| Earnings coverage of net charge-offs (x) | 143.8000% | 344 |
| Efficiency ratio | 66.1965% | 4,518 |
| Assets per employee ($millions) | 4.6055% | 2,640 |
| Cash dividends to net income (ytd only)* | 72.6295% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8780% | 6,196 |
| Loan loss allowance to noncurrent loans | 338.8186% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 6,020 |
| Noncurrent loans to loans | 0.2591% | 5,663 |
| Net loans and leases to total assets | 44.7389% | 5,671 |
| Net loans and leases to deposits | 52.6331% | 5,633 |
| Net loans and leases to core deposits | 54.6000% | 5,709 |
| Total domestic deposits to total assets | 85.0015% | 3,889 |
| Equity capital to assets | 9.9368% | 3,990 |
| Core capital (leverage) ratio | 10.3841% | 3,005 |
| Tier 1 risk-based capital ratio | 16.6712% | 2,852 |
| Total risk-based capital ratio | 17.3012% | 3,106 |
| Memoranda: | ||
| Average total assets | $203,831,670 | 3,021 |
| Average earning assets | $189,492,000 | 2,997 |
| Average equity | $22,023,670 | 2,984 |
| Average total loans | $90,537,670 | 3,712 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8882% | 4,518 |
| Cost of funding earning assets | 0.2863% | 6,063 |
| Net interest margin | 3.6019% | 3,256 |
| Noninterest income to average assets | 0.8179% | 2,058 |
| Noninterest expense to average assets | 2.7785% | 3,770 |
| Loan and lease loss provision to assets | 0.0978% | 3,056 |
| Net operating income to assets | 1.2895% | 1,309 |
| Return on assets (ROA) | 1.3110% | 1,357 |
| Pretax return on assets | 1.3110% | 2,195 |
| Return on Equity (ROE) | 11.6687% | 1,512 |
| Retained earnings to average equity (ytd only) | 0.3135% | 5,689 |
| Net charge-offs to loans | 0.0355% | 3,524 |
| Credit loss provision to net charge-offs | 625.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 88.6250% | 431 |
| Efficiency ratio | 66.6980% | 4,538 |
| Assets per employee ($millions) | 4.6185% | 2,776 |
| Cash dividends to net income (ytd only)* | 97.3134% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8714% | 6,323 |
| Loan loss allowance to noncurrent loans | 175.8465% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.2536% | 5,814 |
| Noncurrent loans to loans | 0.4955% | 5,189 |
| Net loans and leases to total assets | 42.6402% | 5,791 |
| Net loans and leases to deposits | 50.0890% | 5,778 |
| Net loans and leases to core deposits | 51.9951% | 5,823 |
| Total domestic deposits to total assets | 85.1289% | 3,975 |
| Equity capital to assets | 10.8665% | 3,117 |
| Core capital (leverage) ratio | 10.2475% | 3,079 |
| Tier 1 risk-based capital ratio | 16.5675% | 2,969 |
| Total risk-based capital ratio | 17.1862% | 3,270 |
| Memoranda: | ||
| Average total assets | $204,427,500 | 3,043 |
| Average earning assets | $190,008,500 | 3,011 |
| Average equity | $22,967,500 | 2,931 |
| Average total loans | $90,075,500 | 3,747 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3427% | 4,045 |
| Cost of funding earning assets | 0.4078% | 5,861 |
| Net interest margin | 3.9348% | 2,671 |
| Noninterest income to average assets | 0.8968% | 1,868 |
| Noninterest expense to average assets | 2.8788% | 3,721 |
| Loan and lease loss provision to assets | 0.0084% | 5,819 |
| Net operating income to assets | 1.6530% | 681 |
| Return on assets (ROA) | 1.7784% | 598 |
| Pretax return on assets | 1.7784% | 960 |
| Return on Equity (ROE) | 15.1380% | 791 |
| Retained earnings to average equity (ytd only) | 7.5801% | 1,289 |
| Net charge-offs to loans | 0.0932% | 4,742 |
| Credit loss provision to net charge-offs | 21.0526% | 5,274 |
| Earnings coverage of net charge-offs (x) | 41.8553% | 771 |
| Efficiency ratio | 63.4073% | 4,995 |
| Assets per employee ($millions) | 4.4672% | 3,020 |
| Cash dividends to net income (ytd only)* | 49.9266% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8121% | 6,464 |
| Loan loss allowance to noncurrent loans | 36,850.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 6,528 |
| Noncurrent loans to loans | 0.0022% | 6,592 |
| Net loans and leases to total assets | 44.7785% | 5,752 |
| Net loans and leases to deposits | 53.3065% | 5,716 |
| Net loans and leases to core deposits | 54.8671% | 5,810 |
| Total domestic deposits to total assets | 84.0018% | 4,313 |
| Equity capital to assets | 11.6161% | 2,331 |
| Core capital (leverage) ratio | 10.5564% | 2,696 |
| Tier 1 risk-based capital ratio | 16.1827% | 3,061 |
| Total risk-based capital ratio | 16.7549% | 3,382 |
| Memoranda: | ||
| Average total assets | $191,465,600 | 3,158 |
| Average earning assets | $177,288,000 | 3,128 |
| Average equity | $22,493,000 | 2,914 |
| Average total loans | $81,528,800 | 3,992 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1635% | 4,940 |
| Cost of funding earning assets | 0.4357% | 5,895 |
| Net interest margin | 3.7278% | 3,669 |
| Noninterest income to average assets | 0.8927% | 1,855 |
| Noninterest expense to average assets | 2.8799% | 3,673 |
| Loan and lease loss provision to assets | -0.0487% | 6,994 |
| Net operating income to assets | 1.5126% | 999 |
| Return on assets (ROA) | 1.6430% | 850 |
| Pretax return on assets | 1.6430% | 1,440 |
| Return on Equity (ROE) | 13.9443% | 1,124 |
| Retained earnings to average equity (ytd only) | 6.3318% | 2,467 |
| Net charge-offs to loans | 0.0370% | 5,129 |
| Credit loss provision to net charge-offs | -313.6364% | 6,384 |
| Earnings coverage of net charge-offs (x) | 94.3720% | 445 |
| Efficiency ratio | 66.2987% | 4,394 |
| Assets per employee ($millions) | 4.4747% | 2,957 |
| Cash dividends to net income (ytd only)* | 54.5923% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7969% | 6,610 |
| Loan loss allowance to noncurrent loans | 34.7441% | 5,906 |
| Noncurrent assets plus other real estate owned to assets | 1.0321% | 4,232 |
| Noncurrent loans to loans | 2.2936% | 2,520 |
| Net loans and leases to total assets | 44.6403% | 5,912 |
| Net loans and leases to deposits | 53.3783% | 5,858 |
| Net loans and leases to core deposits | 54.9886% | 5,970 |
| Total domestic deposits to total assets | 83.6300% | 4,379 |
| Equity capital to assets | 11.7145% | 2,520 |
| Core capital (leverage) ratio | 10.5176% | 2,895 |
| Tier 1 risk-based capital ratio | 16.4077% | 3,055 |
| Total risk-based capital ratio | 16.9812% | 3,375 |
| Memoranda: | ||
| Average total assets | $189,076,250 | 3,218 |
| Average earning assets | $175,039,000 | 3,198 |
| Average equity | $22,278,500 | 2,972 |
| Average total loans | $79,223,000 | 4,102 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1585% | 5,089 |
| Cost of funding earning assets | 0.4652% | 5,870 |
| Net interest margin | 3.6934% | 3,857 |
| Noninterest income to average assets | 0.8645% | 1,914 |
| Noninterest expense to average assets | 2.9001% | 3,617 |
| Loan and lease loss provision to assets | -0.1716% | 7,144 |
| Net operating income to assets | 1.5509% | 906 |
| Return on assets (ROA) | 1.5788% | 977 |
| Pretax return on assets | 1.5788% | 1,612 |
| Return on Equity (ROE) | 13.3717% | 1,260 |
| Retained earnings to average equity (ytd only) | 5.6684% | 2,896 |
| Net charge-offs to loans | 0.0158% | 5,202 |
| Credit loss provision to net charge-offs | -2,666.6667% | 6,514 |
| Earnings coverage of net charge-offs (x) | 214.3333% | 206 |
| Efficiency ratio | 67.7694% | 4,168 |
| Assets per employee ($millions) | 4.5025% | 2,901 |
| Cash dividends to net income (ytd only)* | 57.6087% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7937% | 6,686 |
| Loan loss allowance to noncurrent loans | 31.1111% | 6,102 |
| Noncurrent assets plus other real estate owned to assets | 1.0708% | 4,243 |
| Noncurrent loans to loans | 2.5512% | 2,362 |
| Net loans and leases to total assets | 41.6407% | 6,211 |
| Net loans and leases to deposits | 49.5513% | 6,205 |
| Net loans and leases to core deposits | 50.9528% | 6,303 |
| Total domestic deposits to total assets | 84.0354% | 4,306 |
| Equity capital to assets | 11.8801% | 2,240 |
| Core capital (leverage) ratio | 10.4387% | 2,871 |
| Tier 1 risk-based capital ratio | 17.4165% | 2,505 |
| Total risk-based capital ratio | 17.9717% | 2,749 |
| Memoranda: | ||
| Average total assets | $186,473,330 | 3,259 |
| Average earning assets | $172,416,000 | 3,237 |
| Average equity | $22,016,670 | 2,983 |
| Average total loans | $76,098,670 | 4,220 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1674% | 5,221 |
| Cost of funding earning assets | 0.5007% | 5,816 |
| Net interest margin | 3.6667% | 3,977 |
| Noninterest income to average assets | 0.9160% | 1,680 |
| Noninterest expense to average assets | 2.9121% | 3,577 |
| Loan and lease loss provision to assets | 0.0475% | 4,809 |
| Net operating income to assets | 1.3416% | 1,344 |
| Return on assets (ROA) | 1.3740% | 1,419 |
| Pretax return on assets | 1.3740% | 2,271 |
| Return on Equity (ROE) | 11.6740% | 1,779 |
| Retained earnings to average equity (ytd only) | 3.8913% | 4,255 |
| Net charge-offs to loans | -0.0107% | 5,968 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7047% | 4,231 |
| Assets per employee ($millions) | 4.5536% | 2,893 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 5,949 |
| Loan loss allowance to noncurrent loans | 42.6861% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 1.0044% | 4,482 |
| Noncurrent loans to loans | 2.5402% | 2,562 |
| Net loans and leases to total assets | 39.1130% | 6,420 |
| Net loans and leases to deposits | 47.3446% | 6,331 |
| Net loans and leases to core deposits | 48.6847% | 6,418 |
| Total domestic deposits to total assets | 82.6134% | 5,074 |
| Equity capital to assets | 11.2962% | 2,632 |
| Core capital (leverage) ratio | 10.5103% | 2,736 |
| Tier 1 risk-based capital ratio | 17.3859% | 2,523 |
| Total risk-based capital ratio | 18.1226% | 2,683 |
| Memoranda: | ||
| Average total assets | $185,157,000 | 3,296 |
| Average earning assets | $170,945,000 | 3,272 |
| Average equity | $21,792,000 | 3,000 |
| Average total loans | $74,460,500 | 4,295 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1870% | 6,093 |
| Cost of funding earning assets | 0.5726% | 6,225 |
| Net interest margin | 3.6144% | 4,675 |
| Noninterest income to average assets | 0.8986% | 1,675 |
| Noninterest expense to average assets | 2.9326% | 3,832 |
| Loan and lease loss provision to assets | 0.1252% | 5,040 |
| Net operating income to assets | 1.1854% | 1,545 |
| Return on assets (ROA) | 1.6419% | 660 |
| Pretax return on assets | 1.6419% | 1,117 |
| Return on Equity (ROE) | 13.6219% | 1,029 |
| Retained earnings to average equity (ytd only) | 1.9878% | 4,802 |
| Net charge-offs to loans | 0.1135% | 5,240 |
| Credit loss provision to net charge-offs | 318.8406% | 734 |
| Earnings coverage of net charge-offs (x) | 33.3768% | 774 |
| Efficiency ratio | 69.1121% | 4,128 |
| Assets per employee ($millions) | 4.2634% | 3,334 |
| Cash dividends to net income (ytd only)* | 85.4073% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 5,869 |
| Loan loss allowance to noncurrent loans | 41.1582% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 1.0801% | 4,460 |
| Noncurrent loans to loans | 2.6386% | 2,467 |
| Net loans and leases to total assets | 40.4891% | 6,510 |
| Net loans and leases to deposits | 48.5242% | 6,461 |
| Net loans and leases to core deposits | 49.8930% | 6,536 |
| Total domestic deposits to total assets | 83.4410% | 4,572 |
| Equity capital to assets | 12.2750% | 1,926 |
| Core capital (leverage) ratio | 10.9344% | 2,318 |
| Tier 1 risk-based capital ratio | 19.2338% | 1,837 |
| Total risk-based capital ratio | 20.0338% | 1,920 |
| Memoranda: | ||
| Average total assets | $175,714,800 | 3,399 |
| Average earning assets | $162,599,800 | 3,354 |
| Average equity | $21,179,200 | 2,990 |
| Average total loans | $60,803,000 | 4,837 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1889% | 6,233 |
| Cost of funding earning assets | 0.5809% | 6,373 |
| Net interest margin | 3.6080% | 4,737 |
| Noninterest income to average assets | 0.9103% | 1,610 |
| Noninterest expense to average assets | 2.8926% | 3,964 |
| Loan and lease loss provision to assets | 0.1304% | 4,800 |
| Net operating income to assets | 1.2305% | 1,574 |
| Return on assets (ROA) | 1.8420% | 513 |
| Pretax return on assets | 1.8420% | 875 |
| Return on Equity (ROE) | 15.3546% | 774 |
| Retained earnings to average equity (ytd only) | 2.3388% | 4,947 |
| Net charge-offs to loans | 0.1479% | 4,590 |
| Credit loss provision to net charge-offs | 267.1875% | 1,070 |
| Earnings coverage of net charge-offs (x) | 27.8910% | 978 |
| Efficiency ratio | 68.0050% | 4,310 |
| Assets per employee ($millions) | 4.2002% | 3,440 |
| Cash dividends to net income (ytd only)* | 84.7683% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 5,966 |
| Loan loss allowance to noncurrent loans | 39.0852% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 1.0906% | 4,579 |
| Noncurrent loans to loans | 2.7557% | 2,534 |
| Net loans and leases to total assets | 39.1508% | 6,702 |
| Net loans and leases to deposits | 47.1604% | 6,677 |
| Net loans and leases to core deposits | 48.6216% | 6,731 |
| Total domestic deposits to total assets | 83.0163% | 4,677 |
| Equity capital to assets | 12.4568% | 1,943 |
| Core capital (leverage) ratio | 11.1846% | 2,245 |
| Tier 1 risk-based capital ratio | 19.9960% | 1,685 |
| Total risk-based capital ratio | 20.7839% | 1,778 |
| Memoranda: | ||
| Average total assets | $174,877,750 | 3,433 |
| Average earning assets | $162,044,000 | 3,384 |
| Average equity | $20,979,000 | 3,011 |
| Average total loans | $57,679,500 | 5,009 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1738% | 6,339 |
| Cost of funding earning assets | 0.5947% | 6,488 |
| Net interest margin | 3.5791% | 4,791 |
| Noninterest income to average assets | 0.8947% | 1,662 |
| Noninterest expense to average assets | 2.9214% | 3,938 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2938% | 1,336 |
| Return on assets (ROA) | 1.7171% | 624 |
| Pretax return on assets | 1.7171% | 1,019 |
| Return on Equity (ROE) | 14.5009% | 888 |
| Retained earnings to average equity (ytd only) | -1.3077% | 6,121 |
| Net charge-offs to loans | -0.0112% | 6,707 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3061% | 4,259 |
| Assets per employee ($millions) | 4.1242% | 3,503 |
| Cash dividends to net income (ytd only)* | 109.0180% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 6,140 |
| Loan loss allowance to noncurrent loans | 21.6433% | 6,662 |
| Noncurrent assets plus other real estate owned to assets | 1.7285% | 3,607 |
| Noncurrent loans to loans | 4.8565% | 1,359 |
| Net loans and leases to total assets | 35.2165% | 6,999 |
| Net loans and leases to deposits | 43.1426% | 6,950 |
| Net loans and leases to core deposits | 44.4471% | 6,993 |
| Total domestic deposits to total assets | 81.6282% | 5,306 |
| Equity capital to assets | 12.4774% | 1,790 |
| Core capital (leverage) ratio | 10.6142% | 2,606 |
| Tier 1 risk-based capital ratio | 21.0261% | 1,412 |
| Total risk-based capital ratio | 21.7593% | 1,486 |
| Memoranda: | ||
| Average total assets | $174,367,000 | 3,459 |
| Average earning assets | $161,770,330 | 3,410 |
| Average equity | $20,647,000 | 3,043 |
| Average total loans | $53,633,330 | 5,227 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0708% | 6,562 |
| Cost of funding earning assets | 0.6090% | 6,579 |
| Net interest margin | 3.4618% | 5,175 |
| Noninterest income to average assets | 0.8711% | 1,764 |
| Noninterest expense to average assets | 2.8238% | 4,361 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2576% | 1,369 |
| Return on assets (ROA) | 1.2576% | 1,423 |
| Pretax return on assets | 1.2576% | 2,171 |
| Return on Equity (ROE) | 10.9105% | 1,769 |
| Retained earnings to average equity (ytd only) | -13.2117% | 6,982 |
| Net charge-offs to loans | -0.0645% | 6,969 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1877% | 4,437 |
| Assets per employee ($millions) | 4.2338% | 3,386 |
| Cash dividends to net income (ytd only)* | 221.0909% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 4,913 |
| Loan loss allowance to noncurrent loans | 21.8103% | 6,698 |
| Noncurrent assets plus other real estate owned to assets | 1.7248% | 3,667 |
| Noncurrent loans to loans | 6.1743% | 1,010 |
| Net loans and leases to total assets | 27.5587% | 7,306 |
| Net loans and leases to deposits | 34.8668% | 7,253 |
| Net loans and leases to core deposits | 35.7897% | 7,267 |
| Total domestic deposits to total assets | 79.0398% | 6,177 |
| Equity capital to assets | 11.6761% | 2,137 |
| Core capital (leverage) ratio | 10.4017% | 2,700 |
| Tier 1 risk-based capital ratio | 22.8399% | 1,105 |
| Total risk-based capital ratio | 23.6661% | 1,137 |
| Memoranda: | ||
| Average total assets | $174,942,000 | 3,467 |
| Average earning assets | $162,229,000 | 3,418 |
| Average equity | $20,164,000 | 3,084 |
| Average total loans | $49,625,500 | 5,411 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3345% | 6,723 |
| Cost of funding earning assets | 0.7211% | 6,821 |
| Net interest margin | 3.6134% | 4,755 |
| Noninterest income to average assets | 0.9794% | 1,575 |
| Noninterest expense to average assets | 2.9536% | 4,023 |
| Loan and lease loss provision to assets | 0.0354% | 6,800 |
| Net operating income to assets | 1.3321% | 1,102 |
| Return on assets (ROA) | 1.6605% | 604 |
| Pretax return on assets | 1.6605% | 1,022 |
| Return on Equity (ROE) | 13.4598% | 991 |
| Retained earnings to average equity (ytd only) | 4.4962% | 2,727 |
| Net charge-offs to loans | 0.1812% | 5,226 |
| Credit loss provision to net charge-offs | 60.6061% | 6,070 |
| Earnings coverage of net charge-offs (x) | 23.3838% | 902 |
| Efficiency ratio | 68.3527% | 4,492 |
| Assets per employee ($millions) | 4.3000% | 3,206 |
| Cash dividends to net income (ytd only)* | 66.5955% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 5,159 |
| Loan loss allowance to noncurrent loans | 19.2940% | 6,839 |
| Noncurrent assets plus other real estate owned to assets | 1.8962% | 3,488 |
| Noncurrent loans to loans | 6.5859% | 898 |
| Net loans and leases to total assets | 28.4263% | 7,392 |
| Net loans and leases to deposits | 37.1864% | 7,322 |
| Net loans and leases to core deposits | 38.1890% | 7,348 |
| Total domestic deposits to total assets | 76.4427% | 6,577 |
| Equity capital to assets | 11.3785% | 2,353 |
| Core capital (leverage) ratio | 10.9314% | 2,211 |
| Tier 1 risk-based capital ratio | 23.5556% | 978 |
| Total risk-based capital ratio | 24.3673% | 1,005 |
| Memoranda: | ||
| Average total assets | $169,282,200 | 3,550 |
| Average earning assets | $156,557,400 | 3,511 |
| Average equity | $20,884,400 | 3,023 |
| Average total loans | $54,631,000 | 5,291 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4446% | 6,741 |
| Cost of funding earning assets | 0.7477% | 6,924 |
| Net interest margin | 3.6969% | 4,411 |
| Noninterest income to average assets | 0.9797% | 1,526 |
| Noninterest expense to average assets | 2.9113% | 4,044 |
| Loan and lease loss provision to assets | 0.0478% | 6,602 |
| Net operating income to assets | 1.4365% | 1,045 |
| Return on assets (ROA) | 1.8790% | 473 |
| Pretax return on assets | 1.8790% | 800 |
| Return on Equity (ROE) | 14.9258% | 872 |
| Retained earnings to average equity (ytd only) | 6.0500% | 2,326 |
| Net charge-offs to loans | 0.1679% | 4,966 |
| Credit loss provision to net charge-offs | 85.7143% | 4,930 |
| Earnings coverage of net charge-offs (x) | 26.6431% | 953 |
| Efficiency ratio | 66.2321% | 4,812 |
| Assets per employee ($millions) | 4.1514% | 3,541 |
| Cash dividends to net income (ytd only)* | 59.4663% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 5,167 |
| Loan loss allowance to noncurrent loans | 21.3629% | 6,844 |
| Noncurrent assets plus other real estate owned to assets | 1.8536% | 3,676 |
| Noncurrent loans to loans | 5.8933% | 1,081 |
| Net loans and leases to total assets | 31.0571% | 7,440 |
| Net loans and leases to deposits | 38.6818% | 7,404 |
| Net loans and leases to core deposits | 39.4638% | 7,437 |
| Total domestic deposits to total assets | 80.2886% | 5,613 |
| Equity capital to assets | 12.8744% | 1,643 |
| Core capital (leverage) ratio | 11.1277% | 2,174 |
| Tier 1 risk-based capital ratio | 23.3360% | 1,022 |
| Total risk-based capital ratio | 24.1755% | 1,053 |
| Memoranda: | ||
| Average total assets | $167,528,250 | 3,630 |
| Average earning assets | $154,791,500 | 3,605 |
| Average equity | $21,090,500 | 3,037 |
| Average total loans | $55,598,750 | 5,326 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5163% | 6,669 |
| Cost of funding earning assets | 0.7692% | 7,009 |
| Net interest margin | 3.7471% | 4,146 |
| Noninterest income to average assets | 0.9770% | 1,443 |
| Noninterest expense to average assets | 2.8805% | 4,146 |
| Loan and lease loss provision to assets | 0.0648% | 6,302 |
| Net operating income to assets | 1.4931% | 925 |
| Return on assets (ROA) | 2.0044% | 360 |
| Pretax return on assets | 2.0044% | 602 |
| Return on Equity (ROE) | 16.0451% | 694 |
| Retained earnings to average equity (ytd only) | 7.0522% | 1,810 |
| Net charge-offs to loans | 0.1883% | 4,478 |
| Credit loss provision to net charge-offs | 101.8868% | 4,003 |
| Earnings coverage of net charge-offs (x) | 24.4906% | 1,067 |
| Efficiency ratio | 64.8999% | 5,168 |
| Assets per employee ($millions) | 4.2235% | 3,346 |
| Cash dividends to net income (ytd only)* | 56.0479% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 5,419 |
| Loan loss allowance to noncurrent loans | 22.8867% | 6,800 |
| Noncurrent assets plus other real estate owned to assets | 1.7284% | 3,858 |
| Noncurrent loans to loans | 5.2707% | 1,283 |
| Net loans and leases to total assets | 32.3976% | 7,472 |
| Net loans and leases to deposits | 41.7449% | 7,401 |
| Net loans and leases to core deposits | 42.4422% | 7,443 |
| Total domestic deposits to total assets | 77.6085% | 6,366 |
| Equity capital to assets | 12.3270% | 1,911 |
| Core capital (leverage) ratio | 11.1573% | 2,130 |
| Tier 1 risk-based capital ratio | 22.3296% | 1,153 |
| Total risk-based capital ratio | 23.1558% | 1,193 |
| Memoranda: | ||
| Average total assets | $166,635,670 | 3,661 |
| Average earning assets | $153,930,330 | 3,637 |
| Average equity | $20,816,330 | 3,061 |
| Average total loans | $56,286,670 | 5,341 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4906% | 6,807 |
| Cost of funding earning assets | 0.8095% | 7,063 |
| Net interest margin | 3.6811% | 4,347 |
| Noninterest income to average assets | 0.9402% | 1,485 |
| Noninterest expense to average assets | 2.9454% | 3,880 |
| Loan and lease loss provision to assets | 0.0196% | 6,445 |
| Net operating income to assets | 1.3711% | 1,142 |
| Return on assets (ROA) | 2.1154% | 312 |
| Pretax return on assets | 2.1154% | 488 |
| Return on Equity (ROE) | 16.8163% | 628 |
| Retained earnings to average equity (ytd only) | 7.7075% | 1,838 |
| Net charge-offs to loans | 0.1428% | 4,077 |
| Credit loss provision to net charge-offs | 40.0000% | 4,641 |
| Earnings coverage of net charge-offs (x) | 28.4000% | 908 |
| Efficiency ratio | 67.9277% | 4,739 |
| Assets per employee ($millions) | 3.8955% | 4,109 |
| Cash dividends to net income (ytd only)* | 54.1667% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 5,464 |
| Loan loss allowance to noncurrent loans | 13.4373% | 7,253 |
| Noncurrent assets plus other real estate owned to assets | 3.0567% | 2,338 |
| Noncurrent loans to loans | 8.9864% | 541 |
| Net loans and leases to total assets | 33.6039% | 7,507 |
| Net loans and leases to deposits | 40.4195% | 7,507 |
| Net loans and leases to core deposits | 40.9912% | 7,553 |
| Total domestic deposits to total assets | 83.1378% | 4,556 |
| Equity capital to assets | 12.6998% | 1,654 |
| Core capital (leverage) ratio | 11.3318% | 2,016 |
| Tier 1 risk-based capital ratio | 22.5715% | 1,138 |
| Total risk-based capital ratio | 23.4060% | 1,165 |
| Memoranda: | ||
| Average total assets | $163,371,500 | 3,777 |
| Average earning assets | $150,714,000 | 3,742 |
| Average equity | $20,551,500 | 3,125 |
| Average total loans | $56,037,000 | 5,418 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8524% | 6,835 |
| Cost of funding earning assets | 1.0197% | 7,171 |
| Net interest margin | 3.8326% | 3,563 |
| Noninterest income to average assets | 0.9995% | 1,574 |
| Noninterest expense to average assets | 3.0729% | 3,860 |
| Loan and lease loss provision to assets | 0.0568% | 6,998 |
| Net operating income to assets | 1.3853% | 875 |
| Return on assets (ROA) | 1.6393% | 528 |
| Pretax return on assets | 1.6393% | 883 |
| Return on Equity (ROE) | 14.0185% | 782 |
| Retained earnings to average equity (ytd only) | 4.2865% | 2,226 |
| Net charge-offs to loans | 0.0744% | 6,366 |
| Credit loss provision to net charge-offs | 206.6667% | 1,857 |
| Earnings coverage of net charge-offs (x) | 52.4889% | 498 |
| Efficiency ratio | 68.0595% | 4,994 |
| Assets per employee ($millions) | 3.7938% | 4,298 |
| Cash dividends to net income (ytd only)* | 69.4227% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 5,280 |
| Loan loss allowance to noncurrent loans | 13.6527% | 7,297 |
| Noncurrent assets plus other real estate owned to assets | 3.0711% | 2,266 |
| Noncurrent loans to loans | 8.8794% | 524 |
| Net loans and leases to total assets | 34.1676% | 7,587 |
| Net loans and leases to deposits | 41.8599% | 7,570 |
| Net loans and leases to core deposits | 53.2435% | 7,498 |
| Total domestic deposits to total assets | 81.6237% | 5,101 |
| Equity capital to assets | 12.4591% | 1,768 |
| Core capital (leverage) ratio | 11.1406% | 2,147 |
| Tier 1 risk-based capital ratio | 21.1325% | 1,271 |
| Total risk-based capital ratio | 21.9455% | 1,313 |
| Memoranda: | ||
| Average total assets | $163,785,400 | 3,701 |
| Average earning assets | $150,236,200 | 3,711 |
| Average equity | $19,153,200 | 3,321 |
| Average total loans | $60,487,200 | 5,228 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8915% | 6,905 |
| Cost of funding earning assets | 1.0640% | 7,255 |
| Net interest margin | 3.8275% | 3,542 |
| Noninterest income to average assets | 1.0198% | 1,533 |
| Noninterest expense to average assets | 3.0733% | 3,754 |
| Loan and lease loss provision to assets | 0.0073% | 7,246 |
| Net operating income to assets | 1.4468% | 924 |
| Return on assets (ROA) | 1.7851% | 488 |
| Pretax return on assets | 1.7851% | 827 |
| Return on Equity (ROE) | 15.5172% | 711 |
| Retained earnings to average equity (ytd only) | 5.6484% | 2,130 |
| Net charge-offs to loans | 0.0369% | 6,389 |
| Credit loss provision to net charge-offs | 52.9412% | 6,272 |
| Earnings coverage of net charge-offs (x) | 105.1584% | 348 |
| Efficiency ratio | 67.8822% | 5,004 |
| Assets per employee ($millions) | 3.9435% | 3,844 |
| Cash dividends to net income (ytd only)* | 63.5993% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 5,862 |
| Loan loss allowance to noncurrent loans | 20.9333% | 7,043 |
| Noncurrent assets plus other real estate owned to assets | 1.8113% | 3,636 |
| Noncurrent loans to loans | 5.1399% | 1,257 |
| Net loans and leases to total assets | 34.8604% | 7,660 |
| Net loans and leases to deposits | 43.1687% | 7,646 |
| Net loans and leases to core deposits | 55.0084% | 7,574 |
| Total domestic deposits to total assets | 80.7540% | 5,171 |
| Equity capital to assets | 12.2159% | 2,111 |
| Core capital (leverage) ratio | 11.1243% | 2,313 |
| Tier 1 risk-based capital ratio | 20.6558% | 1,429 |
| Total risk-based capital ratio | 21.3864% | 1,483 |
| Memoranda: | ||
| Average total assets | $163,948,250 | 3,725 |
| Average earning assets | $150,242,500 | 3,724 |
| Average equity | $18,860,250 | 3,389 |
| Average total loans | $61,503,250 | 5,224 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9443% | 6,936 |
| Cost of funding earning assets | 1.1238% | 7,317 |
| Net interest margin | 3.8204% | 3,458 |
| Noninterest income to average assets | 1.0417% | 1,458 |
| Noninterest expense to average assets | 3.1202% | 3,622 |
| Loan and lease loss provision to assets | 0.0110% | 7,101 |
| Net operating income to assets | 1.4309% | 956 |
| Return on assets (ROA) | 1.9108% | 398 |
| Pretax return on assets | 1.9108% | 681 |
| Return on Equity (ROE) | 16.9649% | 583 |
| Retained earnings to average equity (ytd only) | 6.8794% | 1,630 |
| Net charge-offs to loans | 0.0032% | 6,582 |
| Credit loss provision to net charge-offs | 900.0000% | 532 |
| Earnings coverage of net charge-offs (x) | 1,178.0000% | 24 |
| Efficiency ratio | 68.3928% | 5,092 |
| Assets per employee ($millions) | 3.7582% | 4,196 |
| Cash dividends to net income (ytd only)* | 59.4491% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 5,712 |
| Loan loss allowance to noncurrent loans | 21.4096% | 7,046 |
| Noncurrent assets plus other real estate owned to assets | 1.8614% | 3,387 |
| Noncurrent loans to loans | 5.0589% | 1,203 |
| Net loans and leases to total assets | 36.3947% | 7,693 |
| Net loans and leases to deposits | 44.9113% | 7,676 |
| Net loans and leases to core deposits | 56.0095% | 7,588 |
| Total domestic deposits to total assets | 81.0369% | 5,069 |
| Equity capital to assets | 11.4589% | 2,567 |
| Core capital (leverage) ratio | 10.8768% | 2,509 |
| Tier 1 risk-based capital ratio | 20.5512% | 1,473 |
| Total risk-based capital ratio | 21.3036% | 1,532 |
| Memoranda: | ||
| Average total assets | $163,388,000 | 3,751 |
| Average earning assets | $150,558,670 | 3,735 |
| Average equity | $18,402,670 | 3,489 |
| Average total loans | $62,548,670 | 5,234 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9577% | 7,040 |
| Cost of funding earning assets | 1.1687% | 7,373 |
| Net interest margin | 3.7890% | 3,497 |
| Noninterest income to average assets | 1.0421% | 1,372 |
| Noninterest expense to average assets | 2.9900% | 3,812 |
| Loan and lease loss provision to assets | 0.0219% | 6,623 |
| Net operating income to assets | 1.5194% | 906 |
| Return on assets (ROA) | 1.5194% | 977 |
| Pretax return on assets | 1.5194% | 1,613 |
| Return on Equity (ROE) | 13.6059% | 1,247 |
| Retained earnings to average equity (ytd only) | 3.4887% | 3,958 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9860% | 5,335 |
| Assets per employee ($millions) | 3.9527% | 3,769 |
| Cash dividends to net income (ytd only)* | 74.3590% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 6,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 38.5117% | 7,644 |
| Net loans and leases to deposits | 47.7858% | 7,584 |
| Net loans and leases to core deposits | 59.8107% | 7,465 |
| Total domestic deposits to total assets | 80.5924% | 5,135 |
| Equity capital to assets | 11.3504% | 2,685 |
| Core capital (leverage) ratio | 10.5138% | 2,908 |
| Tier 1 risk-based capital ratio | 19.7453% | 1,666 |
| Total risk-based capital ratio | 20.4893% | 1,726 |
| Memoranda: | ||
| Average total assets | $164,280,500 | 3,758 |
| Average earning assets | $151,279,000 | 3,722 |
| Average equity | $18,345,000 | 3,509 |
| Average total loans | $64,093,500 | 5,201 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6025% | 7,057 |
| Cost of funding earning assets | 1.6939% | 7,269 |
| Net interest margin | 3.9086% | 3,517 |
| Noninterest income to average assets | 1.0676% | 1,376 |
| Noninterest expense to average assets | 3.0294% | 3,974 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6147% | 815 |
| Return on assets (ROA) | 1.7360% | 599 |
| Pretax return on assets | 1.7360% | 1,074 |
| Return on Equity (ROE) | 19.9247% | 382 |
| Retained earnings to average equity (ytd only) | 5.7288% | 1,653 |
| Net charge-offs to loans | 0.0669% | 5,824 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 59.0976% | 677 |
| Efficiency ratio | 65.2317% | 5,270 |
| Assets per employee ($millions) | 3.7802% | 4,001 |
| Cash dividends to net income (ytd only)* | 71.2476% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 6,062 |
| Loan loss allowance to noncurrent loans | 4,542.8571% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 7,605 |
| Noncurrent loans to loans | 0.0220% | 7,431 |
| Net loans and leases to total assets | 38.7403% | 7,729 |
| Net loans and leases to deposits | 49.3356% | 7,658 |
| Net loans and leases to core deposits | 60.9084% | 7,540 |
| Total domestic deposits to total assets | 78.5240% | 5,539 |
| Equity capital to assets | 10.9795% | 3,055 |
| Core capital (leverage) ratio | 11.1180% | 2,496 |
| Tier 1 risk-based capital ratio | 19.8869% | 1,636 |
| Total risk-based capital ratio | 20.6328% | 1,696 |
| Memoranda: | ||
| Average total assets | $150,060,800 | 3,897 |
| Average earning assets | $137,314,000 | 3,907 |
| Average equity | $13,074,200 | 4,546 |
| Average total loans | $61,245,200 | 5,213 |