Home > Union Bank & Trust Company > Performance and Condition Ratios
Union Bank & Trust Company, Performance and Condition Ratios
| 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 | 5.0958% | 475 |
| Cost of funding earning assets | 0.6718% | 1,035 |
| Net interest margin | 4.4241% | 672 |
| Noninterest income to average assets | 0.1267% | 5,416 |
| Noninterest expense to average assets | 2.9522% | 2,260 |
| Loan and lease loss provision to assets | 0.9216% | 106 |
| Net operating income to assets | -0.0155% | 5,557 |
| Return on assets (ROA) | -0.0049% | 5,558 |
| Pretax return on assets | -0.0037% | 5,551 |
| Return on Equity (ROE) | -0.0521% | 5,558 |
| Retained earnings to average equity (ytd only) | -0.7037% | 5,188 |
| Net charge-offs to loans | 1.0248% | 195 |
| Credit loss provision to net charge-offs | 118.2395% | 1,799 |
| Earnings coverage of net charge-offs (x) | 1.1642% | 3,315 |
| Efficiency ratio | 76.2332% | 1,683 |
| Assets per employee ($millions) | 4.5016% | 3,104 |
| Cash dividends to net income (ytd only)* | -1,250.0000% | 5,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 2,862 |
| Loan loss allowance to noncurrent loans | 447.9228% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.3826% | 3,579 |
| Noncurrent loans to loans | 0.2735% | 4,065 |
| Net loans and leases to total assets | 76.1542% | 1,524 |
| Net loans and leases to deposits | 85.1919% | 2,327 |
| Net loans and leases to core deposits | 98.8687% | 1,740 |
| Total domestic deposits to total assets | 89.3913% | 764 |
| Equity capital to assets | 9.5643% | 4,349 |
| Core capital (leverage) ratio | 9.2165% | 4,471 |
| Tier 1 risk-based capital ratio | 12.0517% | 4,603 |
| Total risk-based capital ratio | 13.2534% | 4,516 |
| Memoranda: | ||
| Average total assets | $323,557,000 | 2,063 |
| Average earning assets | $273,006,670 | 2,214 |
| Average equity | $30,694,670 | 2,321 |
| Average total loans | $246,091,330 | 1,849 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0935% | 448 |
| Cost of funding earning assets | 0.6404% | 1,131 |
| Net interest margin | 4.4532% | 567 |
| Noninterest income to average assets | 0.3514% | 4,028 |
| Noninterest expense to average assets | 2.8176% | 2,726 |
| Loan and lease loss provision to assets | 0.2384% | 648 |
| Net operating income to assets | 0.6672% | 3,846 |
| Return on assets (ROA) | 0.6672% | 3,887 |
| Pretax return on assets | 1.0297% | 3,238 |
| Return on Equity (ROE) | 7.0617% | 3,376 |
| Retained earnings to average equity (ytd only) | 7.0617% | 1,826 |
| Net charge-offs to loans | 0.3334% | 550 |
| Credit loss provision to net charge-offs | 94.6341% | 1,655 |
| Earnings coverage of net charge-offs (x) | 5.0341% | 2,323 |
| Efficiency ratio | 68.7218% | 3,093 |
| Assets per employee ($millions) | 5.1665% | 2,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 3,594 |
| Loan loss allowance to noncurrent loans | 146.3890% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.8397% | 2,199 |
| Noncurrent loans to loans | 0.7646% | 2,570 |
| Net loans and leases to total assets | 69.8333% | 2,413 |
| Net loans and leases to deposits | 79.7040% | 2,785 |
| Net loans and leases to core deposits | 100.1903% | 1,495 |
| Total domestic deposits to total assets | 87.6157% | 1,932 |
| Equity capital to assets | 8.8445% | 4,960 |
| Core capital (leverage) ratio | 9.4700% | 4,150 |
| Tier 1 risk-based capital ratio | 12.0313% | 4,692 |
| Total risk-based capital ratio | 13.1124% | 4,711 |
| Memoranda: | ||
| Average total assets | $325,527,500 | 2,062 |
| Average earning assets | $272,974,500 | 2,229 |
| Average equity | $30,757,500 | 2,317 |
| Average total loans | $245,927,000 | 1,857 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1698% | 435 |
| Cost of funding earning assets | 0.4799% | 2,259 |
| Net interest margin | 4.6899% | 430 |
| Noninterest income to average assets | 0.3537% | 4,203 |
| Noninterest expense to average assets | 3.5751% | 1,043 |
| Loan and lease loss provision to assets | 0.2379% | 900 |
| Net operating income to assets | 0.5387% | 4,487 |
| Return on assets (ROA) | 0.5387% | 4,574 |
| Pretax return on assets | 0.7012% | 4,485 |
| Return on Equity (ROE) | 5.1414% | 4,351 |
| Retained earnings to average equity (ytd only) | 4.4178% | 2,772 |
| Net charge-offs to loans | 0.2057% | 1,353 |
| Credit loss provision to net charge-offs | 145.8422% | 1,876 |
| Earnings coverage of net charge-offs (x) | 5.7569% | 3,293 |
| Efficiency ratio | 78.9583% | 1,560 |
| Assets per employee ($millions) | 4.4078% | 3,262 |
| Cash dividends to net income (ytd only)* | 14.0736% | 3,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 3,471 |
| Loan loss allowance to noncurrent loans | 154.9750% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.9732% | 1,949 |
| Noncurrent loans to loans | 0.7381% | 2,682 |
| Net loans and leases to total assets | 80.3881% | 832 |
| Net loans and leases to deposits | 97.3862% | 875 |
| Net loans and leases to core deposits | 119.1408% | 509 |
| Total domestic deposits to total assets | 82.5457% | 3,921 |
| Equity capital to assets | 10.1564% | 3,540 |
| Core capital (leverage) ratio | 10.0811% | 3,387 |
| Tier 1 risk-based capital ratio | 11.8178% | 4,847 |
| Total risk-based capital ratio | 12.9034% | 4,862 |
| Memoranda: | ||
| Average total assets | $287,518,000 | 2,237 |
| Average earning assets | $255,056,200 | 2,318 |
| Average equity | $30,128,000 | 2,341 |
| Average total loans | $227,949,000 | 1,924 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1986% | 426 |
| Cost of funding earning assets | 0.4726% | 2,342 |
| Net interest margin | 4.7259% | 416 |
| Noninterest income to average assets | 0.3946% | 3,960 |
| Noninterest expense to average assets | 3.4426% | 1,261 |
| Loan and lease loss provision to assets | 0.1411% | 1,661 |
| Net operating income to assets | 0.6426% | 4,114 |
| Return on assets (ROA) | 0.6426% | 4,239 |
| Pretax return on assets | 0.9866% | 3,679 |
| Return on Equity (ROE) | 6.0831% | 4,035 |
| Retained earnings to average equity (ytd only) | 5.1159% | 2,744 |
| Net charge-offs to loans | 0.1173% | 1,778 |
| Credit loss provision to net charge-offs | 152.7919% | 1,745 |
| Earnings coverage of net charge-offs (x) | 12.2132% | 2,409 |
| Efficiency ratio | 75.0897% | 2,092 |
| Assets per employee ($millions) | 4.4699% | 3,130 |
| Cash dividends to net income (ytd only)* | 15.9009% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 3,536 |
| Loan loss allowance to noncurrent loans | 141.0432% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 1.1613% | 1,725 |
| Noncurrent loans to loans | 0.8158% | 2,629 |
| Net loans and leases to total assets | 76.7931% | 1,399 |
| Net loans and leases to deposits | 91.3543% | 1,587 |
| Net loans and leases to core deposits | 111.9026% | 814 |
| Total domestic deposits to total assets | 84.0607% | 3,201 |
| Equity capital to assets | 10.2685% | 3,837 |
| Core capital (leverage) ratio | 10.2567% | 3,272 |
| Tier 1 risk-based capital ratio | 12.5581% | 4,439 |
| Total risk-based capital ratio | 13.6731% | 4,421 |
| Memoranda: | ||
| Average total assets | $284,464,750 | 2,261 |
| Average earning assets | $251,344,500 | 2,361 |
| Average equity | $30,049,500 | 2,364 |
| Average total loans | $224,002,250 | 1,956 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1878% | 434 |
| Cost of funding earning assets | 0.4627% | 2,451 |
| Net interest margin | 4.7251% | 409 |
| Noninterest income to average assets | 0.3843% | 3,995 |
| Noninterest expense to average assets | 3.4932% | 1,172 |
| Loan and lease loss provision to assets | 0.1746% | 1,261 |
| Net operating income to assets | 0.6019% | 4,257 |
| Return on assets (ROA) | 0.6019% | 4,385 |
| Pretax return on assets | 0.9189% | 3,881 |
| Return on Equity (ROE) | 5.6414% | 4,230 |
| Retained earnings to average equity (ytd only) | 4.3132% | 3,179 |
| Net charge-offs to loans | 0.0217% | 3,060 |
| Credit loss provision to net charge-offs | 1,016.6667% | 368 |
| Earnings coverage of net charge-offs (x) | 63.6667% | 841 |
| Efficiency ratio | 75.9245% | 2,092 |
| Assets per employee ($millions) | 4.2551% | 3,457 |
| Cash dividends to net income (ytd only)* | 23.5434% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2161% | 3,265 |
| Loan loss allowance to noncurrent loans | 142.7184% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 1.1865% | 1,756 |
| Noncurrent loans to loans | 0.8521% | 2,609 |
| Net loans and leases to total assets | 78.4065% | 1,146 |
| Net loans and leases to deposits | 94.4944% | 1,239 |
| Net loans and leases to core deposits | 116.5034% | 623 |
| Total domestic deposits to total assets | 82.9748% | 3,667 |
| Equity capital to assets | 10.4660% | 3,672 |
| Core capital (leverage) ratio | 10.4077% | 3,069 |
| Tier 1 risk-based capital ratio | 12.5358% | 4,490 |
| Total risk-based capital ratio | 13.7181% | 4,452 |
| Memoranda: | ||
| Average total assets | $279,459,670 | 2,306 |
| Average earning assets | $248,543,000 | 2,393 |
| Average equity | $29,815,330 | 2,384 |
| Average total loans | $221,117,330 | 1,974 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1767% | 431 |
| Cost of funding earning assets | 0.4494% | 2,594 |
| Net interest margin | 4.7273% | 408 |
| Noninterest income to average assets | 0.3788% | 3,998 |
| Noninterest expense to average assets | 3.5379% | 1,117 |
| Loan and lease loss provision to assets | 0.1574% | 1,328 |
| Net operating income to assets | 0.5916% | 4,219 |
| Return on assets (ROA) | 0.5916% | 4,330 |
| Pretax return on assets | 0.8990% | 3,845 |
| Return on Equity (ROE) | 5.4899% | 4,233 |
| Retained earnings to average equity (ytd only) | 5.1113% | 2,866 |
| Net charge-offs to loans | 0.0148% | 2,645 |
| Credit loss provision to net charge-offs | 1,350.0000% | 306 |
| Earnings coverage of net charge-offs (x) | 90.6250% | 578 |
| Efficiency ratio | 76.7523% | 2,072 |
| Assets per employee ($millions) | 4.2984% | 3,411 |
| Cash dividends to net income (ytd only)* | 6.8966% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 3,407 |
| Loan loss allowance to noncurrent loans | 207.2093% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 1.1273% | 1,961 |
| Noncurrent loans to loans | 0.5850% | 3,435 |
| Net loans and leases to total assets | 76.7840% | 1,280 |
| Net loans and leases to deposits | 92.7398% | 1,261 |
| Net loans and leases to core deposits | 113.4886% | 692 |
| Total domestic deposits to total assets | 82.7951% | 3,966 |
| Equity capital to assets | 10.5220% | 3,463 |
| Core capital (leverage) ratio | 10.7983% | 2,623 |
| Tier 1 risk-based capital ratio | 12.7775% | 4,413 |
| Total risk-based capital ratio | 13.9425% | 4,373 |
| Memoranda: | ||
| Average total assets | $274,516,000 | 2,349 |
| Average earning assets | $244,791,000 | 2,429 |
| Average equity | $29,581,500 | 2,395 |
| Average total loans | $216,846,000 | 2,010 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3740% | 332 |
| Cost of funding earning assets | 0.4028% | 3,123 |
| Net interest margin | 4.9712% | 267 |
| Noninterest income to average assets | 0.3489% | 4,408 |
| Noninterest expense to average assets | 3.7936% | 871 |
| Loan and lease loss provision to assets | 0.3015% | 570 |
| Net operating income to assets | 0.4899% | 4,733 |
| Return on assets (ROA) | 0.4899% | 4,824 |
| Pretax return on assets | 0.7231% | 4,461 |
| Return on Equity (ROE) | 4.3899% | 4,786 |
| Retained earnings to average equity (ytd only) | 4.0975% | 3,090 |
| Net charge-offs to loans | 0.2859% | 1,061 |
| Credit loss provision to net charge-offs | 131.7487% | 1,988 |
| Earnings coverage of net charge-offs (x) | 4.4771% | 3,555 |
| Efficiency ratio | 78.4614% | 1,897 |
| Assets per employee ($millions) | 4.1459% | 3,665 |
| Cash dividends to net income (ytd only)* | 6.6614% | 4,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 3,441 |
| Loan loss allowance to noncurrent loans | 204.2063% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 1.1939% | 1,816 |
| Noncurrent loans to loans | 0.5910% | 3,395 |
| Net loans and leases to total assets | 79.3759% | 935 |
| Net loans and leases to deposits | 94.8413% | 1,126 |
| Net loans and leases to core deposits | 115.2526% | 625 |
| Total domestic deposits to total assets | 83.6934% | 3,592 |
| Equity capital to assets | 11.0473% | 2,775 |
| Core capital (leverage) ratio | 10.9468% | 2,452 |
| Tier 1 risk-based capital ratio | 13.2138% | 4,161 |
| Total risk-based capital ratio | 14.3890% | 4,136 |
| Memoranda: | ||
| Average total assets | $257,380,400 | 2,440 |
| Average earning assets | $231,391,400 | 2,503 |
| Average equity | $28,725,000 | 2,407 |
| Average total loans | $206,010,400 | 2,019 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3923% | 323 |
| Cost of funding earning assets | 0.3904% | 3,319 |
| Net interest margin | 5.0019% | 253 |
| Noninterest income to average assets | 0.4088% | 4,019 |
| Noninterest expense to average assets | 3.8878% | 758 |
| Loan and lease loss provision to assets | 0.1075% | 2,081 |
| Net operating income to assets | 0.6103% | 4,332 |
| Return on assets (ROA) | 0.6103% | 4,440 |
| Pretax return on assets | 0.9152% | 3,933 |
| Return on Equity (ROE) | 5.4540% | 4,424 |
| Retained earnings to average equity (ytd only) | 5.2067% | 2,774 |
| Net charge-offs to loans | 0.1397% | 1,728 |
| Credit loss provision to net charge-offs | 96.2617% | 2,364 |
| Earnings coverage of net charge-offs (x) | 9.1541% | 2,729 |
| Efficiency ratio | 78.8964% | 1,823 |
| Assets per employee ($millions) | 4.0715% | 3,756 |
| Cash dividends to net income (ytd only)* | 4.5335% | 3,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 4,020 |
| Loan loss allowance to noncurrent loans | 81.9435% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.8088% | 1,181 |
| Noncurrent loans to loans | 1.3870% | 1,843 |
| Net loans and leases to total assets | 78.1613% | 1,077 |
| Net loans and leases to deposits | 92.6437% | 1,343 |
| Net loans and leases to core deposits | 111.5958% | 785 |
| Total domestic deposits to total assets | 84.3677% | 3,278 |
| Equity capital to assets | 11.0690% | 2,941 |
| Core capital (leverage) ratio | 11.0176% | 2,472 |
| Tier 1 risk-based capital ratio | 13.7519% | 3,993 |
| Total risk-based capital ratio | 14.8857% | 3,990 |
| Memoranda: | ||
| Average total assets | $255,390,500 | 2,481 |
| Average earning assets | $229,854,750 | 2,528 |
| Average equity | $28,578,000 | 2,430 |
| Average total loans | $204,215,750 | 2,050 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3467% | 335 |
| Cost of funding earning assets | 0.3704% | 3,596 |
| Net interest margin | 4.9763% | 260 |
| Noninterest income to average assets | 0.3971% | 4,095 |
| Noninterest expense to average assets | 3.9769% | 693 |
| Loan and lease loss provision to assets | -0.0016% | 5,927 |
| Net operating income to assets | 0.6143% | 4,272 |
| Return on assets (ROA) | 0.6143% | 4,396 |
| Pretax return on assets | 0.9164% | 3,893 |
| Return on Equity (ROE) | 5.4694% | 4,388 |
| Retained earnings to average equity (ytd only) | 5.2083% | 2,729 |
| Net charge-offs to loans | 0.0918% | 2,106 |
| Credit loss provision to net charge-offs | -2.1505% | 4,660 |
| Earnings coverage of net charge-offs (x) | 12.4086% | 2,208 |
| Efficiency ratio | 81.0079% | 1,623 |
| Assets per employee ($millions) | 4.0948% | 3,692 |
| Cash dividends to net income (ytd only)* | 4.7742% | 3,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 4,292 |
| Loan loss allowance to noncurrent loans | 81.3565% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 1.8003% | 1,277 |
| Noncurrent loans to loans | 1.3588% | 1,988 |
| Net loans and leases to total assets | 78.2075% | 1,044 |
| Net loans and leases to deposits | 93.8602% | 1,163 |
| Net loans and leases to core deposits | 114.1950% | 657 |
| Total domestic deposits to total assets | 83.3233% | 3,821 |
| Equity capital to assets | 10.9048% | 2,990 |
| Core capital (leverage) ratio | 11.0652% | 2,363 |
| Tier 1 risk-based capital ratio | 13.5275% | 4,200 |
| Total risk-based capital ratio | 14.6237% | 4,226 |
| Memoranda: | ||
| Average total assets | $252,304,000 | 2,531 |
| Average earning assets | $227,878,330 | 2,561 |
| Average equity | $28,339,330 | 2,461 |
| Average total loans | $202,543,670 | 2,065 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3267% | 339 |
| Cost of funding earning assets | 0.3554% | 3,800 |
| Net interest margin | 4.9714% | 262 |
| Noninterest income to average assets | 0.3961% | 4,034 |
| Noninterest expense to average assets | 4.2502% | 525 |
| Loan and lease loss provision to assets | -0.2102% | 6,272 |
| Net operating income to assets | 0.5804% | 4,359 |
| Return on assets (ROA) | 0.5804% | 4,465 |
| Pretax return on assets | 0.8568% | 4,039 |
| Return on Equity (ROE) | 5.0886% | 4,488 |
| Retained earnings to average equity (ytd only) | 4.8618% | 3,138 |
| Net charge-offs to loans | 0.0480% | 2,312 |
| Credit loss provision to net charge-offs | -541.6667% | 4,840 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,558 |
| Efficiency ratio | 86.4972% | 1,134 |
| Assets per employee ($millions) | 3.9647% | 4,033 |
| Cash dividends to net income (ytd only)* | 4.4568% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 4,448 |
| Loan loss allowance to noncurrent loans | 76.1775% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 1.9043% | 1,273 |
| Noncurrent loans to loans | 1.4600% | 1,948 |
| Net loans and leases to total assets | 78.2100% | 892 |
| Net loans and leases to deposits | 93.9222% | 990 |
| Net loans and leases to core deposits | 114.8351% | 552 |
| Total domestic deposits to total assets | 83.2711% | 4,090 |
| Equity capital to assets | 11.2040% | 2,749 |
| Core capital (leverage) ratio | 11.3100% | 2,151 |
| Tier 1 risk-based capital ratio | 13.8868% | 4,094 |
| Total risk-based capital ratio | 14.9989% | 4,102 |
| Memoranda: | ||
| Average total assets | $247,422,500 | 2,580 |
| Average earning assets | $224,002,000 | 2,604 |
| Average equity | $28,220,000 | 2,488 |
| Average total loans | $200,192,000 | 2,086 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5679% | 285 |
| Cost of funding earning assets | 0.4047% | 3,650 |
| Net interest margin | 5.1632% | 221 |
| Noninterest income to average assets | 0.3016% | 4,958 |
| Noninterest expense to average assets | 3.7714% | 1,033 |
| Loan and lease loss provision to assets | 0.2339% | 1,033 |
| Net operating income to assets | 0.6833% | 3,977 |
| Return on assets (ROA) | 0.6853% | 4,086 |
| Pretax return on assets | 1.0001% | 3,497 |
| Return on Equity (ROE) | 5.9682% | 4,165 |
| Retained earnings to average equity (ytd only) | 5.7398% | 2,107 |
| Net charge-offs to loans | 0.2656% | 1,624 |
| Credit loss provision to net charge-offs | 108.2192% | 2,206 |
| Earnings coverage of net charge-offs (x) | 5.6947% | 3,370 |
| Efficiency ratio | 75.0444% | 2,661 |
| Assets per employee ($millions) | 3.6531% | 4,623 |
| Cash dividends to net income (ytd only)* | 3.8272% | 4,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 4,030 |
| Loan loss allowance to noncurrent loans | 118.0020% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.5400% | 1,763 |
| Noncurrent loans to loans | 1.0125% | 2,801 |
| Net loans and leases to total assets | 81.8382% | 537 |
| Net loans and leases to deposits | 97.2997% | 806 |
| Net loans and leases to core deposits | 117.5445% | 488 |
| Total domestic deposits to total assets | 84.1094% | 3,660 |
| Equity capital to assets | 11.6178% | 2,327 |
| Core capital (leverage) ratio | 11.4079% | 2,053 |
| Tier 1 risk-based capital ratio | 13.9956% | 4,099 |
| Total risk-based capital ratio | 15.2129% | 4,047 |
| Memoranda: | ||
| Average total assets | $236,384,800 | 2,645 |
| Average earning assets | $215,217,200 | 2,659 |
| Average equity | $27,143,800 | 2,480 |
| Average total loans | $192,392,400 | 2,094 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5622% | 292 |
| Cost of funding earning assets | 0.4196% | 3,580 |
| Net interest margin | 5.1426% | 223 |
| Noninterest income to average assets | 0.3968% | 4,268 |
| Noninterest expense to average assets | 3.8881% | 857 |
| Loan and lease loss provision to assets | 0.1304% | 1,923 |
| Net operating income to assets | 0.7069% | 3,909 |
| Return on assets (ROA) | 0.7092% | 4,002 |
| Pretax return on assets | 1.0572% | 3,355 |
| Return on Equity (ROE) | 6.1944% | 4,136 |
| Retained earnings to average equity (ytd only) | 5.9666% | 2,435 |
| Net charge-offs to loans | 0.0826% | 3,021 |
| Credit loss provision to net charge-offs | 194.9153% | 1,294 |
| Earnings coverage of net charge-offs (x) | 17.7033% | 1,885 |
| Efficiency ratio | 76.2964% | 2,447 |
| Assets per employee ($millions) | 3.8349% | 4,218 |
| Cash dividends to net income (ytd only)* | 3.6769% | 3,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 3,992 |
| Loan loss allowance to noncurrent loans | 106.8755% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 1.6680% | 1,818 |
| Noncurrent loans to loans | 1.1642% | 2,733 |
| Net loans and leases to total assets | 81.9837% | 513 |
| Net loans and leases to deposits | 96.6162% | 835 |
| Net loans and leases to core deposits | 115.0344% | 548 |
| Total domestic deposits to total assets | 84.8551% | 3,396 |
| Equity capital to assets | 11.6061% | 2,391 |
| Core capital (leverage) ratio | 11.5212% | 2,046 |
| Tier 1 risk-based capital ratio | 13.9582% | 4,249 |
| Total risk-based capital ratio | 15.2084% | 4,186 |
| Memoranda: | ||
| Average total assets | $235,204,750 | 2,671 |
| Average earning assets | $213,841,750 | 2,687 |
| Average equity | $26,927,000 | 2,496 |
| Average total loans | $190,565,000 | 2,122 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5573% | 281 |
| Cost of funding earning assets | 0.4348% | 3,497 |
| Net interest margin | 5.1225% | 231 |
| Noninterest income to average assets | 0.3781% | 4,424 |
| Noninterest expense to average assets | 3.8370% | 927 |
| Loan and lease loss provision to assets | 0.0751% | 2,776 |
| Net operating income to assets | 0.7442% | 3,597 |
| Return on assets (ROA) | 0.7476% | 3,684 |
| Pretax return on assets | 1.1163% | 3,031 |
| Return on Equity (ROE) | 6.5607% | 3,854 |
| Retained earnings to average equity (ytd only) | 6.3286% | 2,136 |
| Net charge-offs to loans | 0.0690% | 3,012 |
| Credit loss provision to net charge-offs | 135.3846% | 1,564 |
| Earnings coverage of net charge-offs (x) | 21.3846% | 1,548 |
| Efficiency ratio | 75.9939% | 2,634 |
| Assets per employee ($millions) | 3.6060% | 4,646 |
| Cash dividends to net income (ytd only)* | 3.5388% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 4,200 |
| Loan loss allowance to noncurrent loans | 115.4634% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 1.6391% | 2,001 |
| Noncurrent loans to loans | 1.0771% | 3,074 |
| Net loans and leases to total assets | 80.1921% | 668 |
| Net loans and leases to deposits | 95.5344% | 833 |
| Net loans and leases to core deposits | 114.9192% | 504 |
| Total domestic deposits to total assets | 83.9405% | 3,936 |
| Equity capital to assets | 11.6109% | 2,316 |
| Core capital (leverage) ratio | 11.4469% | 2,051 |
| Tier 1 risk-based capital ratio | 14.2459% | 4,103 |
| Total risk-based capital ratio | 15.4958% | 4,032 |
| Memoranda: | ||
| Average total assets | $234,352,000 | 2,686 |
| Average earning assets | $212,512,000 | 2,711 |
| Average equity | $26,704,330 | 2,502 |
| Average total loans | $188,292,330 | 2,146 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5196% | 283 |
| Cost of funding earning assets | 0.4688% | 3,238 |
| Net interest margin | 5.0508% | 243 |
| Noninterest income to average assets | 0.3397% | 4,659 |
| Noninterest expense to average assets | 3.7178% | 1,104 |
| Loan and lease loss provision to assets | 0.0307% | 3,421 |
| Net operating income to assets | 0.7869% | 3,216 |
| Return on assets (ROA) | 0.7869% | 3,296 |
| Pretax return on assets | 1.1710% | 2,609 |
| Return on Equity (ROE) | 6.9719% | 3,489 |
| Retained earnings to average equity (ytd only) | 6.7299% | 2,176 |
| Net charge-offs to loans | 0.1047% | 2,131 |
| Credit loss provision to net charge-offs | 36.7347% | 2,334 |
| Earnings coverage of net charge-offs (x) | 14.3673% | 1,615 |
| Efficiency ratio | 75.1561% | 2,936 |
| Assets per employee ($millions) | 3.6297% | 4,660 |
| Cash dividends to net income (ytd only)* | 3.4707% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 4,417 |
| Loan loss allowance to noncurrent loans | 90.1754% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 1.5865% | 2,224 |
| Noncurrent loans to loans | 1.3789% | 2,723 |
| Net loans and leases to total assets | 77.8650% | 782 |
| Net loans and leases to deposits | 91.4524% | 997 |
| Net loans and leases to core deposits | 108.6934% | 643 |
| Total domestic deposits to total assets | 85.1426% | 3,804 |
| Equity capital to assets | 11.3301% | 2,395 |
| Core capital (leverage) ratio | 11.3338% | 2,106 |
| Tier 1 risk-based capital ratio | 14.3620% | 4,088 |
| Total risk-based capital ratio | 15.6119% | 4,046 |
| Memoranda: | ||
| Average total assets | $234,332,500 | 2,698 |
| Average earning assets | $212,480,000 | 2,724 |
| Average equity | $26,449,000 | 2,517 |
| Average total loans | $187,273,500 | 2,159 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8200% | 223 |
| Cost of funding earning assets | 0.6141% | 2,533 |
| Net interest margin | 5.2059% | 212 |
| Noninterest income to average assets | 0.3831% | 4,569 |
| Noninterest expense to average assets | 3.7293% | 1,241 |
| Loan and lease loss provision to assets | 0.1742% | 2,122 |
| Net operating income to assets | 0.8273% | 3,145 |
| Return on assets (ROA) | 0.8228% | 3,267 |
| Pretax return on assets | 1.2601% | 2,313 |
| Return on Equity (ROE) | 7.1017% | 3,509 |
| Retained earnings to average equity (ytd only) | 6.8538% | 1,500 |
| Net charge-offs to loans | 0.0884% | 3,966 |
| Credit loss provision to net charge-offs | 239.4904% | 959 |
| Earnings coverage of net charge-offs (x) | 19.8153% | 1,585 |
| Efficiency ratio | 71.9201% | 3,491 |
| Assets per employee ($millions) | 3.6942% | 4,491 |
| Cash dividends to net income (ytd only)* | 3.4910% | 4,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 4,425 |
| Loan loss allowance to noncurrent loans | 106.5939% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.4690% | 2,535 |
| Noncurrent loans to loans | 1.1664% | 3,206 |
| Net loans and leases to total assets | 79.9979% | 595 |
| Net loans and leases to deposits | 92.0386% | 1,044 |
| Net loans and leases to core deposits | 114.2570% | 467 |
| Total domestic deposits to total assets | 86.9178% | 2,771 |
| Equity capital to assets | 11.2432% | 2,391 |
| Core capital (leverage) ratio | 11.2878% | 2,133 |
| Tier 1 risk-based capital ratio | 13.8892% | 4,371 |
| Total risk-based capital ratio | 15.1394% | 4,312 |
| Memoranda: | ||
| Average total assets | $215,855,600 | 2,849 |
| Average earning assets | $198,506,000 | 2,842 |
| Average equity | $25,008,000 | 2,628 |
| Average total loans | $177,655,600 | 2,222 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8332% | 226 |
| Cost of funding earning assets | 0.6462% | 2,397 |
| Net interest margin | 5.1870% | 218 |
| Noninterest income to average assets | 0.3736% | 4,722 |
| Noninterest expense to average assets | 3.7642% | 1,135 |
| Loan and lease loss provision to assets | 0.1877% | 1,949 |
| Net operating income to assets | 0.7931% | 3,387 |
| Return on assets (ROA) | 0.7894% | 3,538 |
| Pretax return on assets | 1.2001% | 2,694 |
| Return on Equity (ROE) | 6.7586% | 3,787 |
| Retained earnings to average equity (ytd only) | 6.5105% | 2,124 |
| Net charge-offs to loans | 0.0899% | 3,673 |
| Credit loss provision to net charge-offs | 252.5424% | 973 |
| Earnings coverage of net charge-offs (x) | 18.7457% | 1,661 |
| Efficiency ratio | 72.8350% | 3,255 |
| Assets per employee ($millions) | 3.7162% | 4,423 |
| Cash dividends to net income (ytd only)* | 3.6711% | 3,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 4,646 |
| Loan loss allowance to noncurrent loans | 96.4435% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.3666% | 2,913 |
| Noncurrent loans to loans | 1.2955% | 3,241 |
| Net loans and leases to total assets | 80.3645% | 508 |
| Net loans and leases to deposits | 90.5406% | 1,101 |
| Net loans and leases to core deposits | 110.8741% | 546 |
| Total domestic deposits to total assets | 88.7607% | 1,686 |
| Equity capital to assets | 11.0673% | 2,701 |
| Core capital (leverage) ratio | 11.2309% | 2,267 |
| Tier 1 risk-based capital ratio | 13.7502% | 4,600 |
| Total risk-based capital ratio | 15.0003% | 4,559 |
| Memoranda: | ||
| Average total assets | $211,635,500 | 2,924 |
| Average earning assets | $195,200,000 | 2,909 |
| Average equity | $24,718,250 | 2,675 |
| Average total loans | $174,937,500 | 2,258 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8755% | 217 |
| Cost of funding earning assets | 0.6842% | 2,188 |
| Net interest margin | 5.1913% | 209 |
| Noninterest income to average assets | 0.3456% | 4,929 |
| Noninterest expense to average assets | 3.7712% | 1,140 |
| Loan and lease loss provision to assets | 0.1423% | 2,552 |
| Net operating income to assets | 0.8189% | 3,202 |
| Return on assets (ROA) | 0.8131% | 3,380 |
| Pretax return on assets | 1.2119% | 2,617 |
| Return on Equity (ROE) | 6.8307% | 3,708 |
| Retained earnings to average equity (ytd only) | 6.5786% | 2,104 |
| Net charge-offs to loans | 0.0885% | 3,481 |
| Credit loss provision to net charge-offs | 193.4211% | 1,228 |
| Earnings coverage of net charge-offs (x) | 18.5263% | 1,551 |
| Efficiency ratio | 73.4540% | 3,233 |
| Assets per employee ($millions) | 3.5652% | 4,720 |
| Cash dividends to net income (ytd only)* | 3.6905% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 4,714 |
| Loan loss allowance to noncurrent loans | 89.3409% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 1.4785% | 2,886 |
| Noncurrent loans to loans | 1.4058% | 3,184 |
| Net loans and leases to total assets | 82.0822% | 354 |
| Net loans and leases to deposits | 96.3885% | 642 |
| Net loans and leases to core deposits | 121.2465% | 300 |
| Total domestic deposits to total assets | 85.1576% | 3,820 |
| Equity capital to assets | 11.7964% | 2,054 |
| Core capital (leverage) ratio | 11.8402% | 1,704 |
| Tier 1 risk-based capital ratio | 14.5668% | 4,054 |
| Total risk-based capital ratio | 15.8176% | 4,024 |
| Memoranda: | ||
| Average total assets | $206,618,670 | 2,982 |
| Average earning assets | $190,589,000 | 2,982 |
| Average equity | $24,595,000 | 2,710 |
| Average total loans | $171,756,670 | 2,296 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8602% | 212 |
| Cost of funding earning assets | 0.7009% | 2,198 |
| Net interest margin | 5.1594% | 208 |
| Noninterest income to average assets | 0.3321% | 5,041 |
| Noninterest expense to average assets | 3.6531% | 1,329 |
| Loan and lease loss provision to assets | 0.1543% | 2,329 |
| Net operating income to assets | 0.8852% | 2,722 |
| Return on assets (ROA) | 0.8732% | 2,935 |
| Pretax return on assets | 1.2815% | 2,292 |
| Return on Equity (ROE) | 7.3021% | 3,326 |
| Retained earnings to average equity (ytd only) | 7.0571% | 2,128 |
| Net charge-offs to loans | 0.1692% | 2,387 |
| Credit loss provision to net charge-offs | 109.7222% | 1,697 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 1,754 |
| Efficiency ratio | 71.5379% | 3,699 |
| Assets per employee ($millions) | 3.6178% | 4,741 |
| Cash dividends to net income (ytd only)* | 3.3557% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 4,936 |
| Loan loss allowance to noncurrent loans | 118.0509% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 1.1920% | 3,584 |
| Noncurrent loans to loans | 1.0600% | 4,022 |
| Net loans and leases to total assets | 81.5878% | 301 |
| Net loans and leases to deposits | 97.0775% | 487 |
| Net loans and leases to core deposits | 123.3636% | 240 |
| Total domestic deposits to total assets | 84.0439% | 4,462 |
| Equity capital to assets | 11.9574% | 2,071 |
| Core capital (leverage) ratio | 11.7295% | 1,726 |
| Tier 1 risk-based capital ratio | 14.7970% | 3,973 |
| Total risk-based capital ratio | 16.0474% | 3,939 |
| Memoranda: | ||
| Average total assets | $204,756,000 | 3,040 |
| Average earning assets | $189,480,000 | 3,018 |
| Average equity | $24,486,000 | 2,762 |
| Average total loans | $170,209,500 | 2,320 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9933% | 264 |
| Cost of funding earning assets | 1.0967% | 918 |
| Net interest margin | 4.8966% | 450 |
| Noninterest income to average assets | 0.2781% | 5,474 |
| Noninterest expense to average assets | 3.3650% | 2,140 |
| Loan and lease loss provision to assets | 0.1413% | 3,836 |
| Net operating income to assets | 0.8382% | 3,105 |
| Return on assets (ROA) | 0.8873% | 3,119 |
| Pretax return on assets | 1.3636% | 2,161 |
| Return on Equity (ROE) | 7.5187% | 3,330 |
| Retained earnings to average equity (ytd only) | 7.2459% | 1,452 |
| Net charge-offs to loans | 0.0830% | 4,848 |
| Credit loss provision to net charge-offs | 206.6176% | 1,240 |
| Earnings coverage of net charge-offs (x) | 20.8971% | 1,330 |
| Efficiency ratio | 70.1846% | 3,776 |
| Assets per employee ($millions) | 3.6303% | 4,707 |
| Cash dividends to net income (ytd only)* | 3.6281% | 4,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 4,877 |
| Loan loss allowance to noncurrent loans | 171.0950% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.9661% | 4,095 |
| Noncurrent loans to loans | 0.7304% | 4,716 |
| Net loans and leases to total assets | 82.5963% | 289 |
| Net loans and leases to deposits | 97.4607% | 537 |
| Net loans and leases to core deposits | 118.7887% | 306 |
| Total domestic deposits to total assets | 84.7483% | 3,967 |
| Equity capital to assets | 11.9599% | 2,067 |
| Core capital (leverage) ratio | 11.7870% | 1,675 |
| Tier 1 risk-based capital ratio | 14.6556% | 3,928 |
| Total risk-based capital ratio | 15.9060% | 3,891 |
| Memoranda: | ||
| Average total assets | $198,814,000 | 3,059 |
| Average earning assets | $183,370,600 | 3,047 |
| Average equity | $23,461,600 | 2,804 |
| Average total loans | $163,877,400 | 2,375 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9967% | 283 |
| Cost of funding earning assets | 1.1810% | 754 |
| Net interest margin | 4.8157% | 548 |
| Noninterest income to average assets | 0.2502% | 5,775 |
| Noninterest expense to average assets | 3.3661% | 2,097 |
| Loan and lease loss provision to assets | 0.1012% | 4,310 |
| Net operating income to assets | 0.7938% | 3,484 |
| Return on assets (ROA) | 0.7938% | 3,725 |
| Pretax return on assets | 1.2160% | 2,931 |
| Return on Equity (ROE) | 6.7501% | 3,934 |
| Retained earnings to average equity (ytd only) | 6.4691% | 2,393 |
| Net charge-offs to loans | 0.0394% | 5,100 |
| Credit loss provision to net charge-offs | 312.5000% | 856 |
| Earnings coverage of net charge-offs (x) | 40.6864% | 874 |
| Efficiency ratio | 71.8750% | 3,349 |
| Assets per employee ($millions) | 3.7305% | 4,472 |
| Cash dividends to net income (ytd only)* | 4.1630% | 3,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 5,049 |
| Loan loss allowance to noncurrent loans | 173.7896% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.8973% | 4,491 |
| Noncurrent loans to loans | 0.7194% | 4,992 |
| Net loans and leases to total assets | 80.1486% | 496 |
| Net loans and leases to deposits | 93.4735% | 826 |
| Net loans and leases to core deposits | 114.2960% | 423 |
| Total domestic deposits to total assets | 85.7446% | 3,390 |
| Equity capital to assets | 11.6298% | 2,617 |
| Core capital (leverage) ratio | 11.3318% | 2,110 |
| Tier 1 risk-based capital ratio | 14.6092% | 4,113 |
| Total risk-based capital ratio | 15.8599% | 4,084 |
| Memoranda: | ||
| Average total assets | $197,693,500 | 3,111 |
| Average earning assets | $181,984,750 | 3,092 |
| Average equity | $23,248,500 | 2,853 |
| Average total loans | $162,336,750 | 2,423 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9772% | 302 |
| Cost of funding earning assets | 1.2008% | 819 |
| Net interest margin | 4.7764% | 585 |
| Noninterest income to average assets | 0.2059% | 6,088 |
| Noninterest expense to average assets | 3.3638% | 2,117 |
| Loan and lease loss provision to assets | 0.0963% | 4,333 |
| Net operating income to assets | 0.7551% | 3,578 |
| Return on assets (ROA) | 0.7551% | 3,856 |
| Pretax return on assets | 1.1516% | 3,114 |
| Return on Equity (ROE) | 6.3965% | 4,100 |
| Retained earnings to average equity (ytd only) | 6.1101% | 2,647 |
| Net charge-offs to loans | 0.0298% | 4,961 |
| Credit loss provision to net charge-offs | 391.6667% | 753 |
| Earnings coverage of net charge-offs (x) | 50.7500% | 725 |
| Efficiency ratio | 72.9393% | 3,249 |
| Assets per employee ($millions) | 3.8887% | 4,100 |
| Cash dividends to net income (ytd only)* | 4.4776% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 5,130 |
| Loan loss allowance to noncurrent loans | 171.2615% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.9292% | 4,512 |
| Noncurrent loans to loans | 0.7283% | 5,048 |
| Net loans and leases to total assets | 80.2700% | 477 |
| Net loans and leases to deposits | 93.5824% | 810 |
| Net loans and leases to core deposits | 114.3983% | 435 |
| Total domestic deposits to total assets | 85.7747% | 3,474 |
| Equity capital to assets | 11.5865% | 2,504 |
| Core capital (leverage) ratio | 11.5889% | 1,841 |
| Tier 1 risk-based capital ratio | 14.6202% | 4,024 |
| Total risk-based capital ratio | 15.8711% | 3,982 |
| Memoranda: | ||
| Average total assets | $195,198,330 | 3,148 |
| Average earning assets | $180,052,000 | 3,129 |
| Average equity | $23,044,000 | 2,849 |
| Average total loans | $160,939,000 | 2,452 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0211% | 298 |
| Cost of funding earning assets | 1.2245% | 873 |
| Net interest margin | 4.7965% | 569 |
| Noninterest income to average assets | 0.1628% | 6,409 |
| Noninterest expense to average assets | 3.3366% | 2,182 |
| Loan and lease loss provision to assets | 0.0939% | 4,174 |
| Net operating income to assets | 0.7679% | 3,531 |
| Return on assets (ROA) | 0.7679% | 3,766 |
| Pretax return on assets | 1.1706% | 3,025 |
| Return on Equity (ROE) | 6.4416% | 4,072 |
| Retained earnings to average equity (ytd only) | 6.4416% | 2,721 |
| Net charge-offs to loans | 0.0603% | 3,893 |
| Credit loss provision to net charge-offs | 187.5000% | 1,398 |
| Earnings coverage of net charge-offs (x) | 25.2500% | 1,033 |
| Efficiency ratio | 72.5170% | 3,339 |
| Assets per employee ($millions) | 3.8878% | 4,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 5,244 |
| Loan loss allowance to noncurrent loans | 134.3855% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 1.0263% | 4,438 |
| Noncurrent loans to loans | 0.9303% | 4,806 |
| Net loans and leases to total assets | 81.3059% | 319 |
| Net loans and leases to deposits | 96.0808% | 532 |
| Net loans and leases to core deposits | 118.1427% | 337 |
| Total domestic deposits to total assets | 84.6225% | 4,202 |
| Equity capital to assets | 11.8320% | 2,158 |
| Core capital (leverage) ratio | 11.7404% | 1,743 |
| Tier 1 risk-based capital ratio | 15.1364% | 3,659 |
| Total risk-based capital ratio | 16.3874% | 3,628 |
| Memoranda: | ||
| Average total assets | $191,692,500 | 3,214 |
| Average earning assets | $177,377,500 | 3,186 |
| Average equity | $22,851,500 | 2,869 |
| Average total loans | $159,226,500 | 2,496 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9507% | 469 |
| Cost of funding earning assets | 1.2926% | 1,516 |
| Net interest margin | 4.6581% | 818 |
| Noninterest income to average assets | 0.2344% | 5,860 |
| Noninterest expense to average assets | 2.9750% | 3,684 |
| Loan and lease loss provision to assets | 0.2470% | 3,739 |
| Net operating income to assets | 0.9426% | 2,442 |
| Return on assets (ROA) | 0.9617% | 2,483 |
| Pretax return on assets | 1.3919% | 1,807 |
| Return on Equity (ROE) | 8.4755% | 2,682 |
| Retained earnings to average equity (ytd only) | 7.3896% | 1,321 |
| Net charge-offs to loans | 0.2751% | 4,051 |
| Credit loss provision to net charge-offs | 108.9862% | 3,082 |
| Earnings coverage of net charge-offs (x) | 7.1106% | 2,395 |
| Efficiency ratio | 64.8679% | 4,970 |
| Assets per employee ($millions) | 3.8571% | 4,192 |
| Cash dividends to net income (ytd only)* | 12.8122% | 3,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 5,170 |
| Loan loss allowance to noncurrent loans | 144.2098% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.9683% | 4,664 |
| Noncurrent loans to loans | 0.8668% | 4,952 |
| Net loans and leases to total assets | 82.7648% | 285 |
| Net loans and leases to deposits | 98.0764% | 557 |
| Net loans and leases to core deposits | 121.9112% | 322 |
| Total domestic deposits to total assets | 84.3881% | 4,145 |
| Equity capital to assets | 12.0124% | 2,119 |
| Core capital (leverage) ratio | 11.4069% | 1,963 |
| Tier 1 risk-based capital ratio | 15.3159% | 3,441 |
| Total risk-based capital ratio | 16.5673% | 3,398 |
| Memoranda: | ||
| Average total assets | $191,531,400 | 3,164 |
| Average earning assets | $178,936,000 | 3,105 |
| Average equity | $21,733,200 | 2,920 |
| Average total loans | $157,767,600 | 2,529 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9319% | 530 |
| Cost of funding earning assets | 1.2915% | 1,759 |
| Net interest margin | 4.6404% | 870 |
| Noninterest income to average assets | 0.2227% | 6,025 |
| Noninterest expense to average assets | 2.8794% | 4,014 |
| Loan and lease loss provision to assets | 0.1429% | 4,652 |
| Net operating income to assets | 1.0328% | 2,206 |
| Return on assets (ROA) | 1.0574% | 2,255 |
| Pretax return on assets | 1.5750% | 1,451 |
| Return on Equity (ROE) | 9.4550% | 2,407 |
| Retained earnings to average equity (ytd only) | 7.9908% | 1,511 |
| Net charge-offs to loans | 0.1252% | 4,787 |
| Credit loss provision to net charge-offs | 139.1892% | 2,293 |
| Earnings coverage of net charge-offs (x) | 16.3715% | 1,403 |
| Efficiency ratio | 63.1371% | 5,210 |
| Assets per employee ($millions) | 4.4259% | 3,039 |
| Cash dividends to net income (ytd only)* | 15.4856% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 5,246 |
| Loan loss allowance to noncurrent loans | 169.6944% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.8396% | 5,080 |
| Noncurrent loans to loans | 0.7369% | 5,405 |
| Net loans and leases to total assets | 81.0593% | 420 |
| Net loans and leases to deposits | 97.5805% | 601 |
| Net loans and leases to core deposits | 122.2452% | 334 |
| Total domestic deposits to total assets | 83.0691% | 4,651 |
| Equity capital to assets | 11.4892% | 2,693 |
| Core capital (leverage) ratio | 11.1964% | 2,236 |
| Tier 1 risk-based capital ratio | 14.8577% | 3,752 |
| Total risk-based capital ratio | 16.1092% | 3,719 |
| Memoranda: | ||
| Average total assets | $192,165,000 | 3,172 |
| Average earning assets | $179,634,500 | 3,115 |
| Average equity | $21,490,750 | 2,950 |
| Average total loans | $157,608,750 | 2,554 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8722% | 619 |
| Cost of funding earning assets | 1.2797% | 2,064 |
| Net interest margin | 4.5925% | 918 |
| Noninterest income to average assets | 0.2258% | 6,056 |
| Noninterest expense to average assets | 2.8541% | 4,217 |
| Loan and lease loss provision to assets | 0.0899% | 5,194 |
| Net operating income to assets | 1.0298% | 2,106 |
| Return on assets (ROA) | 1.0653% | 2,074 |
| Pretax return on assets | 1.6518% | 1,155 |
| Return on Equity (ROE) | 9.6149% | 2,260 |
| Retained earnings to average equity (ytd only) | 8.0863% | 1,435 |
| Net charge-offs to loans | 0.0650% | 4,986 |
| Credit loss provision to net charge-offs | 168.6275% | 1,793 |
| Earnings coverage of net charge-offs (x) | 31.6275% | 885 |
| Efficiency ratio | 62.8598% | 5,426 |
| Assets per employee ($millions) | 4.7110% | 2,529 |
| Cash dividends to net income (ytd only)* | 15.8979% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 5,300 |
| Loan loss allowance to noncurrent loans | 303.5330% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.4654% | 5,991 |
| Noncurrent loans to loans | 0.4121% | 6,079 |
| Net loans and leases to total assets | 80.7656% | 468 |
| Net loans and leases to deposits | 96.9468% | 654 |
| Net loans and leases to core deposits | 123.2923% | 355 |
| Total domestic deposits to total assets | 83.3093% | 4,634 |
| Equity capital to assets | 11.2644% | 2,713 |
| Core capital (leverage) ratio | 11.1011% | 2,170 |
| Tier 1 risk-based capital ratio | 14.6918% | 3,678 |
| Total risk-based capital ratio | 15.9430% | 3,642 |
| Memoranda: | ||
| Average total assets | $191,307,000 | 3,204 |
| Average earning assets | $179,728,330 | 3,139 |
| Average equity | $21,196,330 | 2,970 |
| Average total loans | $156,860,670 | 2,586 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8135% | 723 |
| Cost of funding earning assets | 1.2768% | 2,324 |
| Net interest margin | 4.5367% | 990 |
| Noninterest income to average assets | 0.2122% | 6,215 |
| Noninterest expense to average assets | 2.7355% | 4,696 |
| Loan and lease loss provision to assets | 0.0609% | 5,235 |
| Net operating income to assets | 1.0906% | 1,869 |
| Return on assets (ROA) | 1.0946% | 1,904 |
| Pretax return on assets | 1.6997% | 982 |
| Return on Equity (ROE) | 9.9637% | 2,109 |
| Retained earnings to average equity (ytd only) | 8.4337% | 1,576 |
| Net charge-offs to loans | 0.0077% | 5,004 |
| Credit loss provision to net charge-offs | 966.6667% | 400 |
| Earnings coverage of net charge-offs (x) | 278.3333% | 107 |
| Efficiency ratio | 60.9265% | 5,842 |
| Assets per employee ($millions) | 4.6780% | 2,609 |
| Cash dividends to net income (ytd only)* | 15.3551% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 5,390 |
| Loan loss allowance to noncurrent loans | 231.4118% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.4432% | 6,103 |
| Noncurrent loans to loans | 0.5402% | 5,947 |
| Net loans and leases to total assets | 81.0151% | 437 |
| Net loans and leases to deposits | 97.1229% | 616 |
| Net loans and leases to core deposits | 123.9625% | 345 |
| Total domestic deposits to total assets | 83.4150% | 4,738 |
| Equity capital to assets | 11.0266% | 2,662 |
| Core capital (leverage) ratio | 11.0446% | 2,156 |
| Tier 1 risk-based capital ratio | 14.5750% | 3,691 |
| Total risk-based capital ratio | 15.8265% | 3,651 |
| Memoranda: | ||
| Average total assets | $190,386,000 | 3,244 |
| Average earning assets | $179,513,000 | 3,153 |
| Average equity | $20,916,000 | 2,991 |
| Average total loans | $156,304,000 | 2,610 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7672% | 1,362 |
| Cost of funding earning assets | 1.6983% | 1,611 |
| Net interest margin | 4.0689% | 2,711 |
| Noninterest income to average assets | 0.2599% | 5,939 |
| Noninterest expense to average assets | 2.5589% | 5,584 |
| Loan and lease loss provision to assets | 0.1845% | 5,388 |
| Net operating income to assets | 1.3527% | 1,041 |
| Return on assets (ROA) | 1.3711% | 1,077 |
| Pretax return on assets | 1.3711% | 1,735 |
| Return on Equity (ROE) | 12.8275% | 1,134 |
| Retained earnings to average equity (ytd only) | 11.1879% | 356 |
| Net charge-offs to loans | 0.0866% | 5,972 |
| Credit loss provision to net charge-offs | 265.6250% | 1,057 |
| Earnings coverage of net charge-offs (x) | 22.1328% | 937 |
| Efficiency ratio | 62.4719% | 5,637 |
| Assets per employee ($millions) | 5.1074% | 2,004 |
| Cash dividends to net income (ytd only)* | 12.7820% | 3,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 5,261 |
| Loan loss allowance to noncurrent loans | 604.6729% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 6,806 |
| Noncurrent loans to loans | 0.2068% | 6,653 |
| Net loans and leases to total assets | 81.1300% | 528 |
| Net loans and leases to deposits | 95.9460% | 876 |
| Net loans and leases to core deposits | 120.2342% | 521 |
| Total domestic deposits to total assets | 84.5580% | 4,077 |
| Equity capital to assets | 10.9450% | 2,734 |
| Core capital (leverage) ratio | 10.8683% | 2,254 |
| Tier 1 risk-based capital ratio | 14.5637% | 3,503 |
| Total risk-based capital ratio | 15.8150% | 3,464 |
| Memoranda: | ||
| Average total assets | $184,299,800 | 3,305 |
| Average earning assets | $173,757,400 | 3,210 |
| Average equity | $19,699,800 | 3,186 |
| Average total loans | $147,787,600 | 2,812 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7528% | 1,541 |
| Cost of funding earning assets | 1.7392% | 1,678 |
| Net interest margin | 4.0136% | 3,035 |
| Noninterest income to average assets | 0.2723% | 5,932 |
| Noninterest expense to average assets | 2.5467% | 5,531 |
| Loan and lease loss provision to assets | 0.1667% | 5,380 |
| Net operating income to assets | 1.3374% | 1,265 |
| Return on assets (ROA) | 1.3622% | 1,271 |
| Pretax return on assets | 1.3622% | 2,000 |
| Return on Equity (ROE) | 12.8231% | 1,307 |
| Retained earnings to average equity (ytd only) | 11.1577% | 583 |
| Net charge-offs to loans | 0.0393% | 6,165 |
| Credit loss provision to net charge-offs | 532.5581% | 545 |
| Earnings coverage of net charge-offs (x) | 48.0481% | 584 |
| Efficiency ratio | 62.8684% | 5,455 |
| Assets per employee ($millions) | 4.8577% | 2,382 |
| Cash dividends to net income (ytd only)* | 12.9877% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 5,227 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 79.8249% | 781 |
| Net loans and leases to deposits | 94.9567% | 1,103 |
| Net loans and leases to core deposits | 116.1361% | 741 |
| Total domestic deposits to total assets | 84.0645% | 4,094 |
| Equity capital to assets | 10.8118% | 3,155 |
| Core capital (leverage) ratio | 10.4986% | 2,690 |
| Tier 1 risk-based capital ratio | 14.1615% | 3,715 |
| Total risk-based capital ratio | 15.4128% | 3,685 |
| Memoranda: | ||
| Average total assets | $183,131,750 | 3,378 |
| Average earning assets | $172,411,000 | 3,278 |
| Average equity | $19,454,000 | 3,259 |
| Average total loans | $145,921,000 | 2,876 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7022% | 1,756 |
| Cost of funding earning assets | 1.7561% | 1,837 |
| Net interest margin | 3.9460% | 3,251 |
| Noninterest income to average assets | 0.2817% | 5,892 |
| Noninterest expense to average assets | 2.5046% | 5,708 |
| Loan and lease loss provision to assets | 0.1989% | 4,878 |
| Net operating income to assets | 1.2871% | 1,338 |
| Return on assets (ROA) | 1.3247% | 1,321 |
| Pretax return on assets | 1.3247% | 2,018 |
| Return on Equity (ROE) | 12.5477% | 1,341 |
| Retained earnings to average equity (ytd only) | 10.8524% | 682 |
| Net charge-offs to loans | 0.0571% | 5,589 |
| Credit loss provision to net charge-offs | 439.0244% | 823 |
| Earnings coverage of net charge-offs (x) | 32.8049% | 860 |
| Efficiency ratio | 62.7630% | 5,559 |
| Assets per employee ($millions) | 4.9260% | 2,269 |
| Cash dividends to net income (ytd only)* | 13.5113% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 5,183 |
| Loan loss allowance to noncurrent loans | 3,277.1930% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 7,323 |
| Noncurrent loans to loans | 0.0381% | 7,222 |
| Net loans and leases to total assets | 78.8342% | 988 |
| Net loans and leases to deposits | 92.8346% | 1,413 |
| Net loans and leases to core deposits | 115.3820% | 868 |
| Total domestic deposits to total assets | 84.9190% | 3,674 |
| Equity capital to assets | 10.5305% | 3,372 |
| Core capital (leverage) ratio | 10.7154% | 2,455 |
| Tier 1 risk-based capital ratio | 14.0664% | 3,682 |
| Total risk-based capital ratio | 15.3177% | 3,647 |
| Memoranda: | ||
| Average total assets | $181,025,330 | 3,431 |
| Average earning assets | $170,146,000 | 3,340 |
| Average equity | $19,111,000 | 3,290 |
| Average total loans | $143,513,330 | 2,946 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6201% | 2,068 |
| Cost of funding earning assets | 1.7576% | 2,088 |
| Net interest margin | 3.8624% | 3,499 |
| Noninterest income to average assets | 0.2765% | 5,939 |
| Noninterest expense to average assets | 2.4030% | 6,072 |
| Loan and lease loss provision to assets | 0.1349% | 5,212 |
| Net operating income to assets | 1.3645% | 1,154 |
| Return on assets (ROA) | 1.4409% | 1,078 |
| Pretax return on assets | 1.4409% | 1,665 |
| Return on Equity (ROE) | 13.6307% | 1,117 |
| Retained earnings to average equity (ytd only) | 11.9082% | 758 |
| Net charge-offs to loans | 0.0057% | 5,534 |
| Credit loss provision to net charge-offs | 3,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 333.5000% | 87 |
| Efficiency ratio | 61.5783% | 5,903 |
| Assets per employee ($millions) | 5.2504% | 1,914 |
| Cash dividends to net income (ytd only)* | 12.6365% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 5,216 |
| Loan loss allowance to noncurrent loans | 2,447.9452% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 7,389 |
| Noncurrent loans to loans | 0.0511% | 7,276 |
| Net loans and leases to total assets | 79.0671% | 968 |
| Net loans and leases to deposits | 93.4853% | 1,408 |
| Net loans and leases to core deposits | 116.2108% | 939 |
| Total domestic deposits to total assets | 84.5770% | 3,860 |
| Equity capital to assets | 10.7040% | 3,037 |
| Core capital (leverage) ratio | 10.6554% | 2,491 |
| Tier 1 risk-based capital ratio | 14.3952% | 3,443 |
| Total risk-based capital ratio | 15.6465% | 3,405 |
| Memoranda: | ||
| Average total assets | $177,943,500 | 3,525 |
| Average earning assets | $167,044,500 | 3,445 |
| Average equity | $18,810,500 | 3,345 |
| Average total loans | $140,551,500 | 3,066 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6056% | 3,576 |
| Cost of funding earning assets | 2.5632% | 869 |
| Net interest margin | 3.0424% | 6,536 |
| Noninterest income to average assets | 0.2666% | 6,206 |
| Noninterest expense to average assets | 2.6807% | 5,480 |
| Loan and lease loss provision to assets | 0.1854% | 5,856 |
| Net operating income to assets | 0.2666% | 4,659 |
| Return on assets (ROA) | 0.2666% | 4,737 |
| Pretax return on assets | 0.2666% | 4,855 |
| Return on Equity (ROE) | 2.9976% | 4,498 |
| Retained earnings to average equity (ytd only) | 2.1541% | 3,597 |
| Net charge-offs to loans | 0.0379% | 6,739 |
| Credit loss provision to net charge-offs | 610.2041% | 481 |
| Earnings coverage of net charge-offs (x) | 14.8776% | 1,345 |
| Efficiency ratio | 85.5701% | 2,162 |
| Assets per employee ($millions) | 5.0678% | 2,129 |
| Cash dividends to net income (ytd only)* | 28.1395% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 5,041 |
| Loan loss allowance to noncurrent loans | 578.2609% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 7,059 |
| Noncurrent loans to loans | 0.2164% | 6,885 |
| Net loans and leases to total assets | 76.9233% | 1,596 |
| Net loans and leases to deposits | 96.4527% | 1,276 |
| Net loans and leases to core deposits | 132.4641% | 1,143 |
| Total domestic deposits to total assets | 79.7524% | 5,750 |
| Equity capital to assets | 10.4373% | 3,256 |
| Core capital (leverage) ratio | 10.4223% | 2,669 |
| Tier 1 risk-based capital ratio | 14.6037% | 3,152 |
| Total risk-based capital ratio | 15.8570% | 3,101 |
| Memoranda: | ||
| Average total assets | $161,262,400 | 3,746 |
| Average earning assets | $151,920,400 | 3,678 |
| Average equity | $14,344,600 | 4,181 |
| Average total loans | $129,375,600 | 3,284 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5751% | 4,000 |
| Cost of funding earning assets | 2.6589% | 888 |
| Net interest margin | 2.9162% | 6,819 |
| Noninterest income to average assets | 0.2459% | 6,474 |
| Noninterest expense to average assets | 2.8093% | 4,855 |
| Loan and lease loss provision to assets | 0.2188% | 5,230 |
| Net operating income to assets | -0.0331% | 5,766 |
| Return on assets (ROA) | -0.0331% | 5,828 |
| Pretax return on assets | -0.0331% | 5,757 |
| Return on Equity (ROE) | -0.3909% | 5,842 |
| Retained earnings to average equity (ytd only) | -1.1126% | 5,522 |
| Net charge-offs to loans | 0.0514% | 6,195 |
| Credit loss provision to net charge-offs | 526.5306% | 745 |
| Earnings coverage of net charge-offs (x) | 4.4695% | 3,128 |
| Efficiency ratio | 93.7995% | 1,413 |
| Assets per employee ($millions) | 5.4160% | 1,693 |
| Cash dividends to net income (ytd only)* | -184.6154% | 8,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 4,809 |
| Loan loss allowance to noncurrent loans | 1,815.0538% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 7,432 |
| Noncurrent loans to loans | 0.0690% | 7,327 |
| Net loans and leases to total assets | 74.4935% | 2,383 |
| Net loans and leases to deposits | 88.7949% | 2,821 |
| Net loans and leases to core deposits | 115.2967% | 2,694 |
| Total domestic deposits to total assets | 83.8939% | 3,770 |
| Equity capital to assets | 8.4615% | 6,295 |
| Core capital (leverage) ratio | 8.6637% | 5,199 |
| Tier 1 risk-based capital ratio | 11.9995% | 4,981 |
| Total risk-based capital ratio | 13.2513% | 4,913 |
| Memoranda: | ||
| Average total assets | $157,234,500 | 3,849 |
| Average earning assets | $148,227,750 | 3,757 |
| Average equity | $13,302,500 | 4,461 |
| Average total loans | $127,176,750 | 3,355 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5994% | 4,079 |
| Cost of funding earning assets | 2.7587% | 882 |
| Net interest margin | 2.8407% | 6,933 |
| Noninterest income to average assets | 0.2372% | 6,583 |
| Noninterest expense to average assets | 3.0066% | 4,059 |
| Loan and lease loss provision to assets | 0.2759% | 4,372 |
| Net operating income to assets | -0.3692% | 6,414 |
| Return on assets (ROA) | -0.3692% | 6,423 |
| Pretax return on assets | -0.3692% | 6,295 |
| Return on Equity (ROE) | -4.3637% | 6,530 |
| Retained earnings to average equity (ytd only) | -4.9466% | 6,291 |
| Net charge-offs to loans | 0.0818% | 5,385 |
| Credit loss provision to net charge-offs | 405.8824% | 1,142 |
| Earnings coverage of net charge-offs (x) | -1.3725% | 6,301 |
| Efficiency ratio | 103.2022% | 1,051 |
| Assets per employee ($millions) | 4.8064% | 2,312 |
| Cash dividends to net income (ytd only)* | -13.3574% | 7,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 4,605 |
| Loan loss allowance to noncurrent loans | 1,758.0645% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 7,451 |
| Noncurrent loans to loans | 0.0711% | 7,347 |
| Net loans and leases to total assets | 79.0542% | 1,508 |
| Net loans and leases to deposits | 95.6183% | 1,857 |
| Net loans and leases to core deposits | 124.1440% | 2,010 |
| Total domestic deposits to total assets | 82.6768% | 4,390 |
| Equity capital to assets | 9.0229% | 5,285 |
| Core capital (leverage) ratio | 9.4530% | 3,957 |
| Tier 1 risk-based capital ratio | 12.2911% | 4,683 |
| Total risk-based capital ratio | 13.5431% | 4,596 |
| Memoranda: | ||
| Average total assets | $150,070,330 | 3,989 |
| Average earning assets | $141,371,330 | 3,917 |
| Average equity | $12,695,670 | 4,628 |
| Average total loans | $124,626,330 | 3,446 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6002% | 4,354 |
| Cost of funding earning assets | 2.8268% | 919 |
| Net interest margin | 2.7734% | 7,049 |
| Noninterest income to average assets | 0.2232% | 6,684 |
| Noninterest expense to average assets | 2.9652% | 3,913 |
| Loan and lease loss provision to assets | 0.2622% | 3,861 |
| Net operating income to assets | -0.3961% | 6,780 |
| Return on assets (ROA) | -0.3961% | 6,854 |
| Pretax return on assets | -0.3961% | 6,745 |
| Return on Equity (ROE) | -4.8668% | 6,968 |
| Retained earnings to average equity (ytd only) | -4.8668% | 6,533 |
| Net charge-offs to loans | 0.0461% | 4,837 |
| Credit loss provision to net charge-offs | 671.4286% | 865 |
| Earnings coverage of net charge-offs (x) | -3.4286% | 5,525 |
| Efficiency ratio | 104.7291% | 958 |
| Assets per employee ($millions) | 4.3530% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 4,442 |
| 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 | 83.2340% | 821 |
| Net loans and leases to deposits | 96.4682% | 1,878 |
| Net loans and leases to core deposits | 127.2985% | 1,836 |
| Total domestic deposits to total assets | 86.2813% | 2,567 |
| Equity capital to assets | 7.9641% | 6,864 |
| Core capital (leverage) ratio | 7.9252% | 6,578 |
| Tier 1 risk-based capital ratio | 10.2648% | 6,625 |
| Total risk-based capital ratio | 11.5163% | 6,547 |
| Memoranda: | ||
| Average total assets | $143,397,000 | 4,119 |
| Average earning assets | $134,852,500 | 4,054 |
| Average equity | $11,671,000 | 4,934 |
| Average total loans | $121,528,000 | 3,522 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2483% | 4,251 |
| Cost of funding earning assets | 3.2340% | 1,089 |
| Net interest margin | 3.0143% | 6,873 |
| Noninterest income to average assets | 0.2089% | 6,949 |
| Noninterest expense to average assets | 3.6451% | 2,052 |
| Loan and lease loss provision to assets | 0.5972% | 2,438 |
| Net operating income to assets | -1.2046% | 7,348 |
| Return on assets (ROA) | -1.1843% | 7,274 |
| Pretax return on assets | -1.1843% | 7,109 |
| Return on Equity (ROE) | -11.5310% | 7,391 |
| Retained earnings to average equity (ytd only) | -11.5310% | 7,209 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.9939% | 572 |
| Assets per employee ($millions) | 4.0821% | 3,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 4,138 |
| Loan loss allowance to noncurrent loans | 1,740.0000% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 7,320 |
| Noncurrent loans to loans | 0.0718% | 7,216 |
| Net loans and leases to total assets | 84.1763% | 860 |
| Net loans and leases to deposits | 108.9192% | 905 |
| Net loans and leases to core deposits | 144.4236% | 1,076 |
| Total domestic deposits to total assets | 77.2833% | 5,921 |
| Equity capital to assets | 8.3254% | 6,380 |
| Core capital (leverage) ratio | 8.6388% | 5,305 |
| Tier 1 risk-based capital ratio | 10.7009% | 6,004 |
| Total risk-based capital ratio | 11.9528% | 5,907 |
| Memoranda: | ||
| Average total assets | $108,667,600 | 4,817 |
| Average earning assets | $101,979,400 | 4,750 |
| Average equity | $11,161,200 | 5,079 |
| Average total loans | $89,827,200 | 4,230 |