Home > UNITED BUSINESS BANK, F.S.B. > Performance and Condition Ratios
UNITED BUSINESS BANK, F.S.B., Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0939% | 2,675 |
| Cost of funding earning assets | 0.0554% | 5,774 |
| Net interest margin | 4.0384% | 1,375 |
| Noninterest income to average assets | 0.7147% | 1,901 |
| Noninterest expense to average assets | 2.7653% | 2,906 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0482% | 2,076 |
| Return on assets (ROA) | 1.0482% | 2,127 |
| Pretax return on assets | 1.7266% | 948 |
| Return on Equity (ROE) | 11.9853% | 1,241 |
| Retained earnings to average equity (ytd only) | 11.4517% | 539 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3313% | 4,258 |
| Assets per employee ($millions) | 6.9168% | 990 |
| Cash dividends to net income (ytd only)* | 4.4518% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 4,209 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 67.4594% | 2,751 |
| Net loans and leases to deposits | 74.5743% | 3,347 |
| Net loans and leases to core deposits | 75.5443% | 3,694 |
| Total domestic deposits to total assets | 90.4593% | 490 |
| Equity capital to assets | 8.8657% | 4,940 |
| Core capital (leverage) ratio | 8.8414% | 4,916 |
| Tier 1 risk-based capital ratio | 13.7219% | 3,653 |
| Total risk-based capital ratio | 14.7991% | 3,657 |
| Memoranda: | ||
| Average total assets | $462,882,500 | 1,524 |
| Average earning assets | $432,940,500 | 1,512 |
| Average equity | $40,483,000 | 1,851 |
| Average total loans | $316,248,500 | 1,509 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0025% | 3,189 |
| Cost of funding earning assets | 0.0765% | 5,786 |
| Net interest margin | 3.9259% | 1,875 |
| Noninterest income to average assets | 0.7129% | 2,113 |
| Noninterest expense to average assets | 2.9468% | 2,511 |
| Loan and lease loss provision to assets | -0.0794% | 5,655 |
| Net operating income to assets | 0.8983% | 2,830 |
| Return on assets (ROA) | 0.8983% | 2,953 |
| Pretax return on assets | 1.4883% | 1,620 |
| Return on Equity (ROE) | 10.0418% | 1,944 |
| Retained earnings to average equity (ytd only) | 9.5275% | 493 |
| Net charge-offs to loans | -0.0975% | 5,584 |
| Credit loss provision to net charge-offs | 122.7437% | 2,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3852% | 3,369 |
| Assets per employee ($millions) | 6.7991% | 1,006 |
| Cash dividends to net income (ytd only)* | 5.1222% | 4,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0086% | 4,266 |
| Loan loss allowance to noncurrent loans | 149.3920% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.4624% | 3,407 |
| Noncurrent loans to loans | 0.6751% | 2,842 |
| Net loans and leases to total assets | 67.8041% | 2,807 |
| Net loans and leases to deposits | 74.9937% | 3,415 |
| Net loans and leases to core deposits | 75.9713% | 3,748 |
| Total domestic deposits to total assets | 90.4131% | 477 |
| Equity capital to assets | 8.6257% | 5,172 |
| Core capital (leverage) ratio | 8.6843% | 5,093 |
| Tier 1 risk-based capital ratio | 13.2422% | 3,928 |
| Total risk-based capital ratio | 14.3116% | 3,939 |
| Memoranda: | ||
| Average total assets | $428,131,200 | 1,588 |
| Average earning assets | $397,255,800 | 1,580 |
| Average equity | $38,299,800 | 1,921 |
| Average total loans | $284,112,200 | 1,600 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0394% | 3,075 |
| Cost of funding earning assets | 0.0769% | 5,854 |
| Net interest margin | 3.9625% | 1,773 |
| Noninterest income to average assets | 0.5933% | 2,695 |
| Noninterest expense to average assets | 2.9721% | 2,395 |
| Loan and lease loss provision to assets | -0.1080% | 5,802 |
| Net operating income to assets | 0.8605% | 3,097 |
| Return on assets (ROA) | 0.8605% | 3,225 |
| Pretax return on assets | 1.3963% | 2,049 |
| Return on Equity (ROE) | 9.5254% | 2,264 |
| Retained earnings to average equity (ytd only) | 9.0154% | 814 |
| Net charge-offs to loans | -0.1947% | 5,755 |
| Credit loss provision to net charge-offs | 84.3672% | 2,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4786% | 2,970 |
| Assets per employee ($millions) | 6.7267% | 990 |
| Cash dividends to net income (ytd only)* | 5.3545% | 3,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 3,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 67.3943% | 2,888 |
| Net loans and leases to deposits | 74.7908% | 3,523 |
| Net loans and leases to core deposits | 75.6054% | 3,878 |
| Total domestic deposits to total assets | 90.1105% | 443 |
| Equity capital to assets | 8.6900% | 5,405 |
| Core capital (leverage) ratio | 8.8311% | 5,024 |
| Tier 1 risk-based capital ratio | 13.0345% | 4,139 |
| Total risk-based capital ratio | 14.1599% | 4,134 |
| Memoranda: | ||
| Average total assets | $419,579,500 | 1,618 |
| Average earning assets | $388,296,000 | 1,614 |
| Average equity | $37,904,750 | 1,940 |
| Average total loans | $275,970,750 | 1,634 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 2,351 |
| Cost of funding earning assets | 0.0801% | 5,926 |
| Net interest margin | 4.1642% | 1,192 |
| Noninterest income to average assets | 0.6007% | 2,615 |
| Noninterest expense to average assets | 2.9994% | 2,351 |
| Loan and lease loss provision to assets | -0.1662% | 5,923 |
| Net operating income to assets | 0.9858% | 2,448 |
| Return on assets (ROA) | 0.9858% | 2,592 |
| Pretax return on assets | 1.6050% | 1,362 |
| Return on Equity (ROE) | 10.7617% | 1,733 |
| Retained earnings to average equity (ytd only) | 10.2602% | 547 |
| Net charge-offs to loans | -0.3012% | 5,885 |
| Credit loss provision to net charge-offs | 85.0000% | 2,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3054% | 3,482 |
| Assets per employee ($millions) | 6.8068% | 948 |
| Cash dividends to net income (ytd only)* | 4.6604% | 3,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 3,432 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 63.3947% | 3,449 |
| Net loans and leases to deposits | 70.4992% | 3,936 |
| Net loans and leases to core deposits | 71.3146% | 4,231 |
| Total domestic deposits to total assets | 89.9226% | 519 |
| Equity capital to assets | 8.8645% | 5,342 |
| Core capital (leverage) ratio | 8.9724% | 4,863 |
| Tier 1 risk-based capital ratio | 13.8800% | 3,676 |
| Total risk-based capital ratio | 15.0976% | 3,613 |
| Memoranda: | ||
| Average total assets | $409,210,000 | 1,655 |
| Average earning assets | $377,120,000 | 1,652 |
| Average equity | $37,484,670 | 1,967 |
| Average total loans | $265,608,330 | 1,695 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4508% | 1,654 |
| Cost of funding earning assets | 0.0839% | 5,975 |
| Net interest margin | 4.3669% | 801 |
| Noninterest income to average assets | 0.6778% | 2,145 |
| Noninterest expense to average assets | 3.0717% | 2,174 |
| Loan and lease loss provision to assets | 0.1162% | 1,806 |
| Net operating income to assets | 0.9172% | 2,670 |
| Return on assets (ROA) | 0.9172% | 2,782 |
| Pretax return on assets | 1.4859% | 1,640 |
| Return on Equity (ROE) | 9.8379% | 2,057 |
| Retained earnings to average equity (ytd only) | 9.3395% | 1,015 |
| Net charge-offs to loans | 0.2861% | 739 |
| Credit loss provision to net charge-offs | 62.1622% | 1,962 |
| Earnings coverage of net charge-offs (x) | 8.5730% | 2,041 |
| Efficiency ratio | 65.4420% | 3,892 |
| Assets per employee ($millions) | 6.4688% | 1,123 |
| Cash dividends to net income (ytd only)* | 5.0661% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 3,567 |
| Loan loss allowance to noncurrent loans | 439.5862% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 4,840 |
| Noncurrent loans to loans | 0.2697% | 4,468 |
| Net loans and leases to total assets | 66.2245% | 2,916 |
| Net loans and leases to deposits | 74.1888% | 3,414 |
| Net loans and leases to core deposits | 75.6478% | 3,712 |
| Total domestic deposits to total assets | 89.2649% | 967 |
| Equity capital to assets | 9.3217% | 4,867 |
| Core capital (leverage) ratio | 9.2026% | 4,597 |
| Tier 1 risk-based capital ratio | 13.7908% | 3,819 |
| Total risk-based capital ratio | 14.9873% | 3,780 |
| Memoranda: | ||
| Average total assets | $395,997,000 | 1,707 |
| Average earning assets | $362,358,500 | 1,718 |
| Average equity | $36,918,500 | 1,992 |
| Average total loans | $258,669,000 | 1,739 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0041% | 3,294 |
| Cost of funding earning assets | 0.0980% | 5,969 |
| Net interest margin | 3.9060% | 2,009 |
| Noninterest income to average assets | 0.7547% | 1,958 |
| Noninterest expense to average assets | 3.2507% | 1,836 |
| Loan and lease loss provision to assets | 0.2845% | 633 |
| Net operating income to assets | 0.5414% | 4,535 |
| Return on assets (ROA) | 0.5385% | 4,635 |
| Pretax return on assets | 0.7787% | 4,263 |
| Return on Equity (ROE) | 5.7405% | 4,160 |
| Retained earnings to average equity (ytd only) | 5.2384% | 2,250 |
| Net charge-offs to loans | 1.0347% | 192 |
| Credit loss provision to net charge-offs | 43.7347% | 3,485 |
| Earnings coverage of net charge-offs (x) | 1.6412% | 4,053 |
| Efficiency ratio | 74.9433% | 2,432 |
| Assets per employee ($millions) | 6.4087% | 1,138 |
| Cash dividends to net income (ytd only)* | 8.7469% | 4,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 2,836 |
| Loan loss allowance to noncurrent loans | 252.0898% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.3305% | 4,261 |
| Noncurrent loans to loans | 0.5198% | 3,613 |
| Net loans and leases to total assets | 62.7456% | 3,454 |
| Net loans and leases to deposits | 70.4605% | 3,871 |
| Net loans and leases to core deposits | 71.8487% | 4,147 |
| Total domestic deposits to total assets | 89.0507% | 1,097 |
| Equity capital to assets | 9.3242% | 4,760 |
| Core capital (leverage) ratio | 8.8797% | 5,026 |
| Tier 1 risk-based capital ratio | 14.0600% | 3,680 |
| Total risk-based capital ratio | 15.3104% | 3,601 |
| Memoranda: | ||
| Average total assets | $377,916,600 | 1,739 |
| Average earning assets | $344,774,000 | 1,764 |
| Average equity | $35,449,800 | 2,010 |
| Average total loans | $237,548,200 | 1,820 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9539% | 3,529 |
| Cost of funding earning assets | 0.0984% | 6,064 |
| Net interest margin | 3.8554% | 2,169 |
| Noninterest income to average assets | 0.6968% | 2,235 |
| Noninterest expense to average assets | 3.3067% | 1,674 |
| Loan and lease loss provision to assets | 0.3683% | 353 |
| Net operating income to assets | 0.4178% | 5,097 |
| Return on assets (ROA) | 0.4135% | 5,199 |
| Pretax return on assets | 0.5430% | 5,118 |
| Return on Equity (ROE) | 4.4015% | 4,873 |
| Retained earnings to average equity (ytd only) | 3.8977% | 3,697 |
| Net charge-offs to loans | 1.4208% | 109 |
| Credit loss provision to net charge-offs | 41.3669% | 3,151 |
| Earnings coverage of net charge-offs (x) | 1.0300% | 3,890 |
| Efficiency ratio | 77.9425% | 1,955 |
| Assets per employee ($millions) | 5.8430% | 1,475 |
| Cash dividends to net income (ytd only)* | 11.4459% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 3,123 |
| Loan loss allowance to noncurrent loans | 151.3836% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.5435% | 3,671 |
| Noncurrent loans to loans | 0.8557% | 2,833 |
| Net loans and leases to total assets | 62.6930% | 3,505 |
| Net loans and leases to deposits | 70.2757% | 3,951 |
| Net loans and leases to core deposits | 73.5497% | 4,057 |
| Total domestic deposits to total assets | 89.2100% | 913 |
| Equity capital to assets | 9.2567% | 5,051 |
| Core capital (leverage) ratio | 9.0326% | 4,957 |
| Tier 1 risk-based capital ratio | 14.0492% | 3,819 |
| Total risk-based capital ratio | 15.2994% | 3,765 |
| Memoranda: | ||
| Average total assets | $374,663,750 | 1,766 |
| Average earning assets | $342,745,000 | 1,777 |
| Average equity | $35,199,500 | 2,036 |
| Average total loans | $234,798,500 | 1,842 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9105% | 3,645 |
| Cost of funding earning assets | 0.0969% | 6,144 |
| Net interest margin | 3.8136% | 2,259 |
| Noninterest income to average assets | 0.7191% | 2,134 |
| Noninterest expense to average assets | 3.3940% | 1,481 |
| Loan and lease loss provision to assets | 0.0431% | 3,246 |
| Net operating income to assets | 0.5157% | 4,697 |
| Return on assets (ROA) | 0.5100% | 4,836 |
| Pretax return on assets | 0.7725% | 4,413 |
| Return on Equity (ROE) | 5.4005% | 4,426 |
| Retained earnings to average equity (ytd only) | 4.8981% | 2,925 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1022% | 1,742 |
| Assets per employee ($millions) | 5.5634% | 1,687 |
| Cash dividends to net income (ytd only)* | 9.3023% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9519% | 1,068 |
| Loan loss allowance to noncurrent loans | 101.5272% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.2289% | 2,054 |
| Noncurrent loans to loans | 1.9225% | 1,295 |
| Net loans and leases to total assets | 62.6730% | 3,455 |
| Net loans and leases to deposits | 70.4244% | 3,882 |
| Net loans and leases to core deposits | 73.6388% | 3,982 |
| Total domestic deposits to total assets | 88.9934% | 1,148 |
| Equity capital to assets | 9.3485% | 4,841 |
| Core capital (leverage) ratio | 9.1488% | 4,751 |
| Tier 1 risk-based capital ratio | 14.4390% | 3,669 |
| Total risk-based capital ratio | 15.6978% | 3,589 |
| Memoranda: | ||
| Average total assets | $371,006,670 | 1,792 |
| Average earning assets | $340,416,670 | 1,802 |
| Average equity | $35,033,670 | 2,052 |
| Average total loans | $231,418,330 | 1,873 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8935% | 3,654 |
| Cost of funding earning assets | 0.1006% | 6,206 |
| Net interest margin | 3.7929% | 2,254 |
| Noninterest income to average assets | 0.5727% | 2,817 |
| Noninterest expense to average assets | 3.4517% | 1,405 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4029% | 5,061 |
| Return on assets (ROA) | 0.4029% | 5,172 |
| Pretax return on assets | 0.6109% | 4,888 |
| Return on Equity (ROE) | 4.2446% | 4,876 |
| Retained earnings to average equity (ytd only) | 3.7399% | 3,768 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5886% | 1,307 |
| Assets per employee ($millions) | 5.3201% | 1,973 |
| Cash dividends to net income (ytd only)* | 11.8919% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0242% | 1,033 |
| Loan loss allowance to noncurrent loans | 99.1453% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 1.2567% | 2,127 |
| Noncurrent loans to loans | 2.0417% | 1,274 |
| Net loans and leases to total assets | 60.3053% | 3,610 |
| Net loans and leases to deposits | 67.7794% | 3,979 |
| Net loans and leases to core deposits | 70.0234% | 4,153 |
| Total domestic deposits to total assets | 88.9728% | 1,293 |
| Equity capital to assets | 9.4128% | 4,846 |
| Core capital (leverage) ratio | 9.1767% | 4,751 |
| Tier 1 risk-based capital ratio | 15.4716% | 3,162 |
| Total risk-based capital ratio | 16.7322% | 3,092 |
| Memoranda: | ||
| Average total assets | $367,356,000 | 1,810 |
| Average earning assets | $337,997,500 | 1,821 |
| Average equity | $34,867,500 | 2,073 |
| Average total loans | $226,219,000 | 1,905 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1614% | 3,079 |
| Cost of funding earning assets | 0.1145% | 6,277 |
| Net interest margin | 4.0469% | 1,748 |
| Noninterest income to average assets | 0.6548% | 2,526 |
| Noninterest expense to average assets | 3.4925% | 1,501 |
| Loan and lease loss provision to assets | 0.5343% | 273 |
| Net operating income to assets | 0.1865% | 5,796 |
| Return on assets (ROA) | 0.1906% | 5,836 |
| Pretax return on assets | 0.3411% | 5,623 |
| Return on Equity (ROE) | 1.9576% | 5,776 |
| Retained earnings to average equity (ytd only) | 1.4381% | 5,120 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6803% | 1,984 |
| Assets per employee ($millions) | 5.1758% | 2,094 |
| Cash dividends to net income (ytd only)* | 26.5367% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0787% | 980 |
| Loan loss allowance to noncurrent loans | 123.8324% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 1.0665% | 2,616 |
| Noncurrent loans to loans | 1.6786% | 1,742 |
| Net loans and leases to total assets | 60.3296% | 3,746 |
| Net loans and leases to deposits | 67.9511% | 4,129 |
| Net loans and leases to core deposits | 70.4276% | 4,286 |
| Total domestic deposits to total assets | 88.7838% | 1,366 |
| Equity capital to assets | 9.5723% | 4,628 |
| Core capital (leverage) ratio | 9.3750% | 4,428 |
| Tier 1 risk-based capital ratio | 14.9595% | 3,505 |
| Total risk-based capital ratio | 16.2196% | 3,438 |
| Memoranda: | ||
| Average total assets | $350,004,000 | 1,857 |
| Average earning assets | $320,590,400 | 1,866 |
| Average equity | $34,072,800 | 2,048 |
| Average total loans | $220,634,800 | 1,898 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2044% | 2,973 |
| Cost of funding earning assets | 0.1182% | 6,345 |
| Net interest margin | 4.0863% | 1,621 |
| Noninterest income to average assets | 0.6403% | 2,625 |
| Noninterest expense to average assets | 3.4823% | 1,499 |
| Loan and lease loss provision to assets | 0.7187% | 177 |
| Net operating income to assets | 0.0688% | 6,062 |
| Return on assets (ROA) | 0.0742% | 6,083 |
| Pretax return on assets | 0.1826% | 5,968 |
| Return on Equity (ROE) | 0.7586% | 6,066 |
| Retained earnings to average equity (ytd only) | 0.2358% | 5,737 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1989% | 2,026 |
| Assets per employee ($millions) | 5.0516% | 2,179 |
| Cash dividends to net income (ytd only)* | 68.9115% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1375% | 1,040 |
| Loan loss allowance to noncurrent loans | 115.9710% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 1.1787% | 2,596 |
| Noncurrent loans to loans | 1.8431% | 1,736 |
| Net loans and leases to total assets | 60.0768% | 3,774 |
| Net loans and leases to deposits | 67.7440% | 4,158 |
| Net loans and leases to core deposits | 72.3237% | 4,122 |
| Total domestic deposits to total assets | 88.6821% | 1,408 |
| Equity capital to assets | 9.6460% | 4,612 |
| Core capital (leverage) ratio | 9.4803% | 4,404 |
| Tier 1 risk-based capital ratio | 15.3889% | 3,380 |
| Total risk-based capital ratio | 16.6499% | 3,308 |
| Memoranda: | ||
| Average total assets | $346,928,750 | 1,884 |
| Average earning assets | $317,086,000 | 1,897 |
| Average equity | $33,920,750 | 2,054 |
| Average total loans | $219,989,250 | 1,914 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2725% | 2,695 |
| Cost of funding earning assets | 0.1185% | 6,419 |
| Net interest margin | 4.1540% | 1,369 |
| Noninterest income to average assets | 0.6150% | 2,739 |
| Noninterest expense to average assets | 3.3107% | 1,896 |
| Loan and lease loss provision to assets | 1.0850% | 91 |
| Net operating income to assets | -0.0546% | 6,228 |
| Return on assets (ROA) | -0.0464% | 6,235 |
| Pretax return on assets | 0.0354% | 6,166 |
| Return on Equity (ROE) | -0.4726% | 6,240 |
| Retained earnings to average equity (ytd only) | -0.9983% | 5,853 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5371% | 2,884 |
| Assets per employee ($millions) | 5.2296% | 1,938 |
| Cash dividends to net income (ytd only)* | -111.2500% | 6,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1292% | 1,125 |
| Loan loss allowance to noncurrent loans | 97.1728% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 1.4105% | 2,322 |
| Noncurrent loans to loans | 2.1912% | 1,496 |
| Net loans and leases to total assets | 60.8713% | 3,586 |
| Net loans and leases to deposits | 68.6276% | 3,976 |
| Net loans and leases to core deposits | 74.2790% | 3,809 |
| Total domestic deposits to total assets | 88.6980% | 1,536 |
| Equity capital to assets | 9.6612% | 4,542 |
| Core capital (leverage) ratio | 9.4863% | 4,353 |
| Tier 1 risk-based capital ratio | 15.0944% | 3,583 |
| Total risk-based capital ratio | 16.3491% | 3,525 |
| Memoranda: | ||
| Average total assets | $344,702,000 | 1,897 |
| Average earning assets | $315,597,670 | 1,900 |
| Average equity | $33,858,000 | 2,049 |
| Average total loans | $220,960,000 | 1,897 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3513% | 2,326 |
| Cost of funding earning assets | 0.1205% | 6,494 |
| Net interest margin | 4.2308% | 1,141 |
| Noninterest income to average assets | 0.4142% | 4,074 |
| Noninterest expense to average assets | 3.3054% | 1,937 |
| Loan and lease loss provision to assets | 0.1697% | 1,421 |
| Net operating income to assets | 0.5556% | 4,429 |
| Return on assets (ROA) | 0.5733% | 4,412 |
| Pretax return on assets | 0.8272% | 3,986 |
| Return on Equity (ROE) | 5.7883% | 4,138 |
| Retained earnings to average equity (ytd only) | 5.2567% | 2,955 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8810% | 2,663 |
| Assets per employee ($millions) | 5.4662% | 1,740 |
| Cash dividends to net income (ytd only)* | 9.1837% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 3,934 |
| Loan loss allowance to noncurrent loans | 57.6543% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 1.5559% | 2,267 |
| Noncurrent loans to loans | 2.3129% | 1,538 |
| Net loans and leases to total assets | 63.6435% | 2,960 |
| Net loans and leases to deposits | 72.2668% | 3,300 |
| Net loans and leases to core deposits | 78.2216% | 3,177 |
| Total domestic deposits to total assets | 88.0673% | 2,198 |
| Equity capital to assets | 10.0991% | 3,726 |
| Core capital (leverage) ratio | 9.9022% | 3,709 |
| Tier 1 risk-based capital ratio | 14.9571% | 3,733 |
| Total risk-based capital ratio | 16.2081% | 3,685 |
| Memoranda: | ||
| Average total assets | $341,863,000 | 1,919 |
| Average earning assets | $312,090,000 | 1,931 |
| Average equity | $33,861,500 | 2,041 |
| Average total loans | $222,479,500 | 1,882 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1138% | 3,682 |
| Cost of funding earning assets | 0.1000% | 6,672 |
| Net interest margin | 4.0138% | 1,913 |
| Noninterest income to average assets | 1.0984% | 1,161 |
| Noninterest expense to average assets | 3.1267% | 2,650 |
| Loan and lease loss provision to assets | 0.4328% | 677 |
| Net operating income to assets | 0.8755% | 2,902 |
| Return on assets (ROA) | 0.9199% | 2,767 |
| Pretax return on assets | 1.2548% | 2,340 |
| Return on Equity (ROE) | 9.6267% | 2,272 |
| Retained earnings to average equity (ytd only) | 8.9719% | 772 |
| Net charge-offs to loans | 0.5048% | 1,314 |
| Credit loss provision to net charge-offs | 137.7462% | 1,699 |
| Earnings coverage of net charge-offs (x) | 5.1772% | 3,363 |
| Efficiency ratio | 65.7409% | 4,605 |
| Assets per employee ($millions) | 5.7471% | 1,445 |
| Cash dividends to net income (ytd only)* | 6.8012% | 4,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 4,526 |
| Loan loss allowance to noncurrent loans | 839.3939% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.1586% | 5,843 |
| Noncurrent loans to loans | 0.1458% | 5,760 |
| Net loans and leases to total assets | 64.8403% | 2,901 |
| Net loans and leases to deposits | 73.3020% | 3,358 |
| Net loans and leases to core deposits | 79.7905% | 3,157 |
| Total domestic deposits to total assets | 88.4564% | 1,922 |
| Equity capital to assets | 9.7142% | 4,151 |
| Core capital (leverage) ratio | 9.5124% | 4,242 |
| Tier 1 risk-based capital ratio | 14.3875% | 4,024 |
| Total risk-based capital ratio | 15.5744% | 4,011 |
| Memoranda: | ||
| Average total assets | $290,885,600 | 2,204 |
| Average earning assets | $264,885,800 | 2,221 |
| Average equity | $27,797,800 | 2,394 |
| Average total loans | $181,049,800 | 2,184 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1266% | 3,657 |
| Cost of funding earning assets | 0.0996% | 6,765 |
| Net interest margin | 4.0270% | 1,852 |
| Noninterest income to average assets | 0.6215% | 3,031 |
| Noninterest expense to average assets | 3.2794% | 2,120 |
| Loan and lease loss provision to assets | 0.4946% | 560 |
| Net operating income to assets | 0.3502% | 5,433 |
| Return on assets (ROA) | 0.4081% | 5,355 |
| Pretax return on assets | 0.6042% | 4,997 |
| Return on Equity (ROE) | 4.2922% | 5,074 |
| Retained earnings to average equity (ytd only) | 3.5844% | 4,145 |
| Net charge-offs to loans | 0.7180% | 829 |
| Credit loss provision to net charge-offs | 112.5821% | 2,086 |
| Earnings coverage of net charge-offs (x) | 2.3074% | 4,069 |
| Efficiency ratio | 76.3883% | 2,669 |
| Assets per employee ($millions) | 6.2592% | 1,068 |
| Cash dividends to net income (ytd only)* | 16.4898% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 3,696 |
| Loan loss allowance to noncurrent loans | 133.1935% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.6770% | 4,420 |
| Noncurrent loans to loans | 1.0863% | 3,620 |
| Net loans and leases to total assets | 61.4267% | 3,462 |
| Net loans and leases to deposits | 69.2216% | 3,904 |
| Net loans and leases to core deposits | 71.5882% | 4,141 |
| Total domestic deposits to total assets | 88.7391% | 1,702 |
| Equity capital to assets | 9.4495% | 4,617 |
| Core capital (leverage) ratio | 9.4919% | 4,421 |
| Tier 1 risk-based capital ratio | 15.5727% | 3,435 |
| Total risk-based capital ratio | 16.8250% | 3,393 |
| Memoranda: | ||
| Average total assets | $277,401,000 | 2,303 |
| Average earning assets | $252,919,000 | 2,311 |
| Average equity | $26,373,000 | 2,544 |
| Average total loans | $169,723,500 | 2,316 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0422% | 3,953 |
| Cost of funding earning assets | 0.1026% | 6,819 |
| Net interest margin | 3.9395% | 2,077 |
| Noninterest income to average assets | 0.5551% | 3,469 |
| Noninterest expense to average assets | 3.2060% | 2,341 |
| Loan and lease loss provision to assets | 0.5827% | 440 |
| Net operating income to assets | 0.2320% | 5,816 |
| Return on assets (ROA) | 0.3167% | 5,692 |
| Pretax return on assets | 0.4826% | 5,428 |
| Return on Equity (ROE) | 3.3242% | 5,494 |
| Retained earnings to average equity (ytd only) | 2.6320% | 4,630 |
| Net charge-offs to loans | 0.9703% | 633 |
| Credit loss provision to net charge-offs | 98.7715% | 2,272 |
| Earnings coverage of net charge-offs (x) | 1.5885% | 3,995 |
| Efficiency ratio | 77.3832% | 2,564 |
| Assets per employee ($millions) | 5.5489% | 1,538 |
| Cash dividends to net income (ytd only)* | 20.8238% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 4,011 |
| Loan loss allowance to noncurrent loans | 117.9199% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.7532% | 4,326 |
| Noncurrent loans to loans | 1.1912% | 3,569 |
| Net loans and leases to total assets | 62.3436% | 3,232 |
| Net loans and leases to deposits | 70.5156% | 3,654 |
| Net loans and leases to core deposits | 72.4097% | 3,994 |
| Total domestic deposits to total assets | 88.4110% | 1,976 |
| Equity capital to assets | 9.6835% | 4,330 |
| Core capital (leverage) ratio | 9.7048% | 3,929 |
| Tier 1 risk-based capital ratio | 15.5029% | 3,481 |
| Total risk-based capital ratio | 16.7552% | 3,433 |
| Memoranda: | ||
| Average total assets | $275,979,330 | 2,313 |
| Average earning assets | $251,351,000 | 2,336 |
| Average equity | $26,292,000 | 2,560 |
| Average total loans | $167,778,670 | 2,331 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9927% | 4,149 |
| Cost of funding earning assets | 0.1072% | 6,894 |
| Net interest margin | 3.8855% | 2,164 |
| Noninterest income to average assets | 0.5899% | 3,191 |
| Noninterest expense to average assets | 3.2501% | 2,203 |
| Loan and lease loss provision to assets | 0.9611% | 189 |
| Net operating income to assets | -0.0532% | 6,406 |
| Return on assets (ROA) | -0.0532% | 6,459 |
| Pretax return on assets | -0.0748% | 6,465 |
| Return on Equity (ROE) | -0.5633% | 6,466 |
| Retained earnings to average equity (ytd only) | -1.2789% | 5,991 |
| Net charge-offs to loans | 1.7018% | 293 |
| Credit loss provision to net charge-offs | 94.7518% | 1,942 |
| Earnings coverage of net charge-offs (x) | 0.8738% | 3,543 |
| Efficiency ratio | 78.5739% | 2,518 |
| Assets per employee ($millions) | 5.8495% | 1,371 |
| Cash dividends to net income (ytd only)* | -127.0270% | 6,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 3,851 |
| Loan loss allowance to noncurrent loans | 77.6585% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 1.1428% | 3,657 |
| Noncurrent loans to loans | 1.9249% | 2,708 |
| Net loans and leases to total assets | 58.4825% | 3,708 |
| Net loans and leases to deposits | 66.0913% | 4,043 |
| Net loans and leases to core deposits | 67.8036% | 4,326 |
| Total domestic deposits to total assets | 88.4874% | 2,016 |
| Equity capital to assets | 9.7317% | 4,518 |
| Core capital (leverage) ratio | 9.6579% | 3,839 |
| Tier 1 risk-based capital ratio | 16.1640% | 3,175 |
| Total risk-based capital ratio | 17.4171% | 3,124 |
| Memoranda: | ||
| Average total assets | $278,021,500 | 2,326 |
| Average earning assets | $253,763,000 | 2,341 |
| Average equity | $26,273,500 | 2,585 |
| Average total loans | $165,706,000 | 2,369 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0036% | 5,290 |
| Cost of funding earning assets | 0.1591% | 6,900 |
| Net interest margin | 3.8445% | 3,047 |
| Noninterest income to average assets | 0.4604% | 4,172 |
| Noninterest expense to average assets | 3.1124% | 2,892 |
| Loan and lease loss provision to assets | 0.1371% | 3,908 |
| Net operating income to assets | 0.4819% | 4,759 |
| Return on assets (ROA) | 0.6448% | 4,276 |
| Pretax return on assets | 0.9541% | 3,726 |
| Return on Equity (ROE) | 7.3456% | 3,440 |
| Retained earnings to average equity (ytd only) | 6.5919% | 1,769 |
| Net charge-offs to loans | 0.1037% | 4,630 |
| Credit loss provision to net charge-offs | 238.0952% | 1,042 |
| Earnings coverage of net charge-offs (x) | 14.7857% | 1,709 |
| Efficiency ratio | 78.5177% | 2,359 |
| Assets per employee ($millions) | 6.5219% | 992 |
| Cash dividends to net income (ytd only)* | 10.2605% | 4,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 4,115 |
| Loan loss allowance to noncurrent loans | 156.5526% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.5398% | 5,128 |
| Noncurrent loans to loans | 0.9024% | 4,379 |
| Net loans and leases to total assets | 58.9743% | 3,802 |
| Net loans and leases to deposits | 66.1356% | 4,263 |
| Net loans and leases to core deposits | 70.0093% | 4,315 |
| Total domestic deposits to total assets | 89.1718% | 1,455 |
| Equity capital to assets | 9.1862% | 5,284 |
| Core capital (leverage) ratio | 9.0924% | 4,749 |
| Tier 1 risk-based capital ratio | 15.3520% | 3,510 |
| Total risk-based capital ratio | 16.6042% | 3,467 |
| Memoranda: | ||
| Average total assets | $291,702,400 | 2,189 |
| Average earning assets | $265,837,400 | 2,190 |
| Average equity | $25,607,200 | 2,604 |
| Average total loans | $161,978,200 | 2,401 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9818% | 5,564 |
| Cost of funding earning assets | 0.1677% | 7,002 |
| Net interest margin | 3.8141% | 3,274 |
| Noninterest income to average assets | 0.3241% | 5,189 |
| Noninterest expense to average assets | 3.0646% | 2,998 |
| Loan and lease loss provision to assets | 0.0910% | 4,460 |
| Net operating income to assets | 0.4332% | 5,106 |
| Return on assets (ROA) | 0.6496% | 4,404 |
| Pretax return on assets | 0.9551% | 3,895 |
| Return on Equity (ROE) | 7.4851% | 3,535 |
| Retained earnings to average equity (ytd only) | 6.7298% | 2,264 |
| Net charge-offs to loans | 0.0217% | 5,361 |
| Credit loss provision to net charge-offs | 769.2308% | 364 |
| Earnings coverage of net charge-offs (x) | 61.4926% | 641 |
| Efficiency ratio | 80.8066% | 1,974 |
| Assets per employee ($millions) | 6.2846% | 1,079 |
| Cash dividends to net income (ytd only)* | 10.0913% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 4,067 |
| Loan loss allowance to noncurrent loans | 138.1786% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.7769% | 4,769 |
| Noncurrent loans to loans | 1.0635% | 4,311 |
| Net loans and leases to total assets | 56.1203% | 4,432 |
| Net loans and leases to deposits | 62.9586% | 4,847 |
| Net loans and leases to core deposits | 68.9155% | 4,622 |
| Total domestic deposits to total assets | 89.1385% | 1,349 |
| Equity capital to assets | 9.1982% | 5,597 |
| Core capital (leverage) ratio | 9.0844% | 4,938 |
| Tier 1 risk-based capital ratio | 15.6604% | 3,448 |
| Total risk-based capital ratio | 16.9128% | 3,414 |
| Memoranda: | ||
| Average total assets | $292,887,000 | 2,209 |
| Average earning assets | $266,337,500 | 2,215 |
| Average equity | $25,418,750 | 2,646 |
| Average total loans | $159,557,750 | 2,459 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9527% | 5,775 |
| Cost of funding earning assets | 0.1772% | 7,067 |
| Net interest margin | 3.7755% | 3,477 |
| Noninterest income to average assets | 0.1647% | 6,352 |
| Noninterest expense to average assets | 3.0420% | 3,118 |
| Loan and lease loss provision to assets | 0.0506% | 5,034 |
| Net operating income to assets | 0.3478% | 5,440 |
| Return on assets (ROA) | 0.6076% | 4,590 |
| Pretax return on assets | 0.8918% | 4,110 |
| Return on Equity (ROE) | 7.1370% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.3837% | 2,452 |
| Net charge-offs to loans | 0.0327% | 4,918 |
| Credit loss provision to net charge-offs | 288.4615% | 1,014 |
| Earnings coverage of net charge-offs (x) | 31.9231% | 1,031 |
| Efficiency ratio | 84.4453% | 1,587 |
| Assets per employee ($millions) | 6.5184% | 945 |
| Cash dividends to net income (ytd only)* | 10.5556% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4293% | 4,347 |
| Loan loss allowance to noncurrent loans | 178.2194% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.6194% | 5,225 |
| Noncurrent loans to loans | 0.8020% | 4,902 |
| Net loans and leases to total assets | 52.7103% | 5,005 |
| Net loans and leases to deposits | 58.7354% | 5,375 |
| Net loans and leases to core deposits | 66.2139% | 4,979 |
| Total domestic deposits to total assets | 89.7419% | 1,077 |
| Equity capital to assets | 8.6845% | 6,042 |
| Core capital (leverage) ratio | 8.5935% | 5,529 |
| Tier 1 risk-based capital ratio | 15.5543% | 3,404 |
| Total risk-based capital ratio | 16.8057% | 3,365 |
| Memoranda: | ||
| Average total assets | $296,247,670 | 2,179 |
| Average earning assets | $269,736,330 | 2,190 |
| Average equity | $25,220,670 | 2,642 |
| Average total loans | $159,051,000 | 2,475 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0610% | 5,577 |
| Cost of funding earning assets | 0.1932% | 7,118 |
| Net interest margin | 3.8678% | 3,064 |
| Noninterest income to average assets | 0.1666% | 6,390 |
| Noninterest expense to average assets | 3.1924% | 2,626 |
| Loan and lease loss provision to assets | 0.1008% | 4,083 |
| Net operating income to assets | 0.2747% | 5,734 |
| Return on assets (ROA) | 0.7994% | 3,617 |
| Pretax return on assets | 1.1582% | 3,077 |
| Return on Equity (ROE) | 9.4843% | 2,609 |
| Retained earnings to average equity (ytd only) | 8.7511% | 1,683 |
| Net charge-offs to loans | 0.0649% | 3,843 |
| Credit loss provision to net charge-offs | 288.4615% | 1,021 |
| Earnings coverage of net charge-offs (x) | 14.2692% | 1,482 |
| Efficiency ratio | 86.4944% | 1,429 |
| Assets per employee ($millions) | 5.9594% | 1,309 |
| Cash dividends to net income (ytd only)* | 7.7311% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 4,577 |
| Loan loss allowance to noncurrent loans | 292.3077% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.4450% | 5,749 |
| Noncurrent loans to loans | 0.4817% | 5,706 |
| Net loans and leases to total assets | 52.6868% | 4,920 |
| Net loans and leases to deposits | 58.4934% | 5,325 |
| Net loans and leases to core deposits | 69.9416% | 4,429 |
| Total domestic deposits to total assets | 90.0732% | 1,045 |
| Equity capital to assets | 8.4629% | 6,117 |
| Core capital (leverage) ratio | 8.3734% | 5,768 |
| Tier 1 risk-based capital ratio | 15.4317% | 3,484 |
| Total risk-based capital ratio | 16.6891% | 3,449 |
| Memoranda: | ||
| Average total assets | $297,707,500 | 2,178 |
| Average earning assets | $271,265,000 | 2,189 |
| Average equity | $25,094,000 | 2,650 |
| Average total loans | $160,148,500 | 2,482 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3148% | 5,720 |
| Cost of funding earning assets | 0.2295% | 7,204 |
| Net interest margin | 4.0853% | 2,497 |
| Noninterest income to average assets | 0.3137% | 5,300 |
| Noninterest expense to average assets | 3.2380% | 2,738 |
| Loan and lease loss provision to assets | 0.2380% | 3,829 |
| Net operating income to assets | 0.3600% | 5,034 |
| Return on assets (ROA) | 0.4112% | 5,000 |
| Pretax return on assets | 0.6093% | 4,669 |
| Return on Equity (ROE) | 4.8589% | 4,456 |
| Retained earnings to average equity (ytd only) | 4.2767% | 3,140 |
| Net charge-offs to loans | 0.4048% | 3,397 |
| Credit loss provision to net charge-offs | 110.0503% | 3,046 |
| Earnings coverage of net charge-offs (x) | 3.5645% | 3,468 |
| Efficiency ratio | 80.3904% | 2,254 |
| Assets per employee ($millions) | 5.8323% | 1,344 |
| Cash dividends to net income (ytd only)* | 11.9824% | 3,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3616% | 4,628 |
| Loan loss allowance to noncurrent loans | 197.2122% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 5,786 |
| Noncurrent loans to loans | 0.6904% | 5,321 |
| Net loans and leases to total assets | 53.4119% | 5,114 |
| Net loans and leases to deposits | 59.4679% | 5,551 |
| Net loans and leases to core deposits | 72.9928% | 4,379 |
| Total domestic deposits to total assets | 89.8163% | 1,087 |
| Equity capital to assets | 8.3952% | 6,250 |
| Core capital (leverage) ratio | 8.2119% | 5,974 |
| Tier 1 risk-based capital ratio | 15.0793% | 3,595 |
| Total risk-based capital ratio | 16.3307% | 3,555 |
| Memoranda: | ||
| Average total assets | $276,037,400 | 2,293 |
| Average earning assets | $249,674,200 | 2,307 |
| Average equity | $23,359,400 | 2,740 |
| Average total loans | $147,462,400 | 2,678 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4268% | 5,513 |
| Cost of funding earning assets | 0.2317% | 7,293 |
| Net interest margin | 4.1951% | 2,118 |
| Noninterest income to average assets | 0.3645% | 4,954 |
| Noninterest expense to average assets | 3.2805% | 2,557 |
| Loan and lease loss provision to assets | 0.2719% | 3,330 |
| Net operating income to assets | 0.4076% | 4,963 |
| Return on assets (ROA) | 0.4783% | 4,840 |
| Pretax return on assets | 0.7063% | 4,449 |
| Return on Equity (ROE) | 5.6395% | 4,214 |
| Retained earnings to average equity (ytd only) | 4.8497% | 3,277 |
| Net charge-offs to loans | 0.4452% | 2,945 |
| Credit loss provision to net charge-offs | 114.7609% | 2,848 |
| Earnings coverage of net charge-offs (x) | 3.6902% | 3,335 |
| Efficiency ratio | 78.5655% | 2,466 |
| Assets per employee ($millions) | 6.0606% | 1,169 |
| Cash dividends to net income (ytd only)* | 14.0063% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4849% | 4,177 |
| Loan loss allowance to noncurrent loans | 113.1417% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.7839% | 5,207 |
| Noncurrent loans to loans | 1.3125% | 4,345 |
| Net loans and leases to total assets | 51.3321% | 5,537 |
| Net loans and leases to deposits | 57.3788% | 5,904 |
| Net loans and leases to core deposits | 70.3074% | 4,911 |
| Total domestic deposits to total assets | 89.4618% | 1,159 |
| Equity capital to assets | 8.6878% | 6,096 |
| Core capital (leverage) ratio | 8.5185% | 5,683 |
| Tier 1 risk-based capital ratio | 16.3644% | 2,931 |
| Total risk-based capital ratio | 17.6171% | 2,898 |
| Memoranda: | ||
| Average total assets | $270,685,500 | 2,351 |
| Average earning assets | $244,563,000 | 2,358 |
| Average equity | $22,956,500 | 2,782 |
| Average total loans | $144,062,000 | 2,748 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4954% | 5,372 |
| Cost of funding earning assets | 0.2292% | 7,386 |
| Net interest margin | 4.2662% | 1,784 |
| Noninterest income to average assets | 0.1985% | 6,250 |
| Noninterest expense to average assets | 3.2576% | 2,712 |
| Loan and lease loss provision to assets | 0.1504% | 4,428 |
| Net operating income to assets | 0.4365% | 4,787 |
| Return on assets (ROA) | 0.5444% | 4,464 |
| Pretax return on assets | 0.7986% | 4,036 |
| Return on Equity (ROE) | 6.4759% | 3,717 |
| Retained earnings to average equity (ytd only) | 5.6620% | 2,614 |
| Net charge-offs to loans | 0.3464% | 3,164 |
| Credit loss provision to net charge-offs | 80.9717% | 3,742 |
| Earnings coverage of net charge-offs (x) | 4.2551% | 2,915 |
| Efficiency ratio | 80.0483% | 2,384 |
| Assets per employee ($millions) | 5.8093% | 1,298 |
| Cash dividends to net income (ytd only)* | 12.5691% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3915% | 4,617 |
| Loan loss allowance to noncurrent loans | 62.4065% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 1.3518% | 4,203 |
| Noncurrent loans to loans | 2.2297% | 3,187 |
| Net loans and leases to total assets | 54.1165% | 5,280 |
| Net loans and leases to deposits | 60.2509% | 5,702 |
| Net loans and leases to core deposits | 73.4033% | 4,651 |
| Total domestic deposits to total assets | 89.8186% | 1,063 |
| Equity capital to assets | 8.3110% | 6,411 |
| Core capital (leverage) ratio | 8.1512% | 6,096 |
| Tier 1 risk-based capital ratio | 14.7282% | 3,659 |
| Total risk-based capital ratio | 15.9798% | 3,623 |
| Memoranda: | ||
| Average total assets | $265,964,330 | 2,394 |
| Average earning assets | $239,976,670 | 2,423 |
| Average equity | $22,359,670 | 2,833 |
| Average total loans | $142,608,330 | 2,796 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6229% | 4,851 |
| Cost of funding earning assets | 0.2390% | 7,452 |
| Net interest margin | 4.3839% | 1,329 |
| Noninterest income to average assets | 0.2271% | 6,101 |
| Noninterest expense to average assets | 3.2192% | 2,820 |
| Loan and lease loss provision to assets | 0.0762% | 5,045 |
| Net operating income to assets | 0.6219% | 3,912 |
| Return on assets (ROA) | 0.6219% | 3,981 |
| Pretax return on assets | 0.8734% | 3,603 |
| Return on Equity (ROE) | 7.3535% | 3,222 |
| Retained earnings to average equity (ytd only) | 6.5425% | 2,353 |
| Net charge-offs to loans | -0.0029% | 6,196 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8190% | 3,012 |
| Assets per employee ($millions) | 6.5459% | 908 |
| Cash dividends to net income (ytd only)* | 11.0294% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5956% | 3,748 |
| Loan loss allowance to noncurrent loans | 99.5442% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 1.1212% | 4,682 |
| Noncurrent loans to loans | 1.6029% | 4,080 |
| Net loans and leases to total assets | 50.1861% | 5,825 |
| Net loans and leases to deposits | 55.8887% | 6,136 |
| Net loans and leases to core deposits | 66.4034% | 5,467 |
| Total domestic deposits to total assets | 89.7966% | 1,288 |
| Equity capital to assets | 8.3262% | 6,133 |
| Core capital (leverage) ratio | 8.1897% | 5,983 |
| Tier 1 risk-based capital ratio | 14.8661% | 3,495 |
| Total risk-based capital ratio | 16.1192% | 3,457 |
| Memoranda: | ||
| Average total assets | $262,428,000 | 2,451 |
| Average earning assets | $235,956,500 | 2,488 |
| Average equity | $22,193,500 | 2,847 |
| Average total loans | $138,991,000 | 2,907 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9083% | 4,989 |
| Cost of funding earning assets | 0.4557% | 7,359 |
| Net interest margin | 4.4527% | 1,346 |
| Noninterest income to average assets | 0.1837% | 6,444 |
| Noninterest expense to average assets | 3.2786% | 2,800 |
| Loan and lease loss provision to assets | 0.3244% | 4,217 |
| Net operating income to assets | 0.3722% | 4,670 |
| Return on assets (ROA) | 0.4895% | 4,307 |
| Pretax return on assets | 0.7984% | 3,640 |
| Return on Equity (ROE) | 6.0194% | 3,596 |
| Retained earnings to average equity (ytd only) | 4.9322% | 2,454 |
| Net charge-offs to loans | 0.7475% | 2,776 |
| Credit loss provision to net charge-offs | 77.2358% | 5,658 |
| Earnings coverage of net charge-offs (x) | 2.2367% | 4,046 |
| Efficiency ratio | 77.0511% | 2,862 |
| Assets per employee ($millions) | 6.4119% | 982 |
| Cash dividends to net income (ytd only)* | 18.0620% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 3,943 |
| Loan loss allowance to noncurrent loans | 176.2810% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.9381% | 5,131 |
| Noncurrent loans to loans | 0.8575% | 5,351 |
| Net loans and leases to total assets | 54.1866% | 5,609 |
| Net loans and leases to deposits | 60.4936% | 5,999 |
| Net loans and leases to core deposits | 69.2076% | 5,525 |
| Total domestic deposits to total assets | 89.5740% | 1,343 |
| Equity capital to assets | 8.5938% | 5,733 |
| Core capital (leverage) ratio | 8.4310% | 5,480 |
| Tier 1 risk-based capital ratio | 14.2405% | 3,722 |
| Total risk-based capital ratio | 15.4927% | 3,670 |
| Memoranda: | ||
| Average total assets | $263,530,600 | 2,419 |
| Average earning assets | $238,779,000 | 2,438 |
| Average equity | $21,430,600 | 2,957 |
| Average total loans | $148,099,400 | 2,809 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9567% | 5,010 |
| Cost of funding earning assets | 0.5186% | 7,422 |
| Net interest margin | 4.4381% | 1,402 |
| Noninterest income to average assets | 0.1578% | 6,738 |
| Noninterest expense to average assets | 3.2909% | 2,599 |
| Loan and lease loss provision to assets | 0.3895% | 3,561 |
| Net operating income to assets | 0.3030% | 5,151 |
| Return on assets (ROA) | 0.4583% | 4,682 |
| Pretax return on assets | 0.7458% | 4,097 |
| Return on Equity (ROE) | 5.7147% | 3,948 |
| Retained earnings to average equity (ytd only) | 4.5429% | 3,312 |
| Net charge-offs to loans | 0.9885% | 2,025 |
| Credit loss provision to net charge-offs | 69.7570% | 5,428 |
| Earnings coverage of net charge-offs (x) | 1.5986% | 4,521 |
| Efficiency ratio | 77.9313% | 2,632 |
| Assets per employee ($millions) | 6.6200% | 919 |
| Cash dividends to net income (ytd only)* | 20.5046% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 4,270 |
| Loan loss allowance to noncurrent loans | 147.7770% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.8455% | 5,401 |
| Noncurrent loans to loans | 0.9730% | 5,288 |
| Net loans and leases to total assets | 54.2049% | 5,821 |
| Net loans and leases to deposits | 60.2600% | 6,291 |
| Net loans and leases to core deposits | 71.2112% | 5,611 |
| Total domestic deposits to total assets | 89.9516% | 907 |
| Equity capital to assets | 8.2901% | 6,521 |
| Core capital (leverage) ratio | 7.9930% | 6,353 |
| Tier 1 risk-based capital ratio | 13.5251% | 4,184 |
| Total risk-based capital ratio | 14.7765% | 4,134 |
| Memoranda: | ||
| Average total assets | $265,294,500 | 2,439 |
| Average earning assets | $240,640,000 | 2,453 |
| Average equity | $21,278,000 | 3,012 |
| Average total loans | $149,847,250 | 2,812 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0556% | 4,674 |
| Cost of funding earning assets | 0.6097% | 7,387 |
| Net interest margin | 4.4459% | 1,332 |
| Noninterest income to average assets | 0.1341% | 6,918 |
| Noninterest expense to average assets | 3.2864% | 2,599 |
| Loan and lease loss provision to assets | 0.4746% | 2,940 |
| Net operating income to assets | 0.2455% | 5,394 |
| Return on assets (ROA) | 0.4784% | 4,576 |
| Pretax return on assets | 0.7805% | 3,950 |
| Return on Equity (ROE) | 6.0323% | 3,788 |
| Retained earnings to average equity (ytd only) | 4.7308% | 3,064 |
| Net charge-offs to loans | 1.3408% | 1,412 |
| Credit loss provision to net charge-offs | 62.1302% | 5,163 |
| Earnings coverage of net charge-offs (x) | 1.1667% | 4,629 |
| Efficiency ratio | 77.8720% | 2,749 |
| Assets per employee ($millions) | 6.4890% | 955 |
| Cash dividends to net income (ytd only)* | 21.5748% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 4,563 |
| Loan loss allowance to noncurrent loans | 118.6775% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 1.1207% | 4,888 |
| Noncurrent loans to loans | 1.1565% | 5,027 |
| Net loans and leases to total assets | 56.6455% | 5,605 |
| Net loans and leases to deposits | 63.0122% | 6,140 |
| Net loans and leases to core deposits | 76.1276% | 5,176 |
| Total domestic deposits to total assets | 89.8960% | 975 |
| Equity capital to assets | 8.3210% | 6,401 |
| Core capital (leverage) ratio | 8.0631% | 6,176 |
| Tier 1 risk-based capital ratio | 13.1470% | 4,326 |
| Total risk-based capital ratio | 14.3969% | 4,281 |
| Memoranda: | ||
| Average total assets | $265,459,670 | 2,460 |
| Average earning assets | $241,434,670 | 2,463 |
| Average equity | $21,053,330 | 3,034 |
| Average total loans | $151,253,670 | 2,814 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2565% | 3,751 |
| Cost of funding earning assets | 0.7308% | 7,267 |
| Net interest margin | 4.5257% | 1,088 |
| Noninterest income to average assets | 0.1401% | 6,978 |
| Noninterest expense to average assets | 3.1236% | 3,167 |
| Loan and lease loss provision to assets | 0.3428% | 3,329 |
| Net operating income to assets | 0.4918% | 4,431 |
| Return on assets (ROA) | 0.4918% | 4,567 |
| Pretax return on assets | 0.7988% | 3,872 |
| Return on Equity (ROE) | 6.3520% | 3,700 |
| Retained earnings to average equity (ytd only) | 4.5811% | 3,397 |
| Net charge-offs to loans | 1.1395% | 1,476 |
| Credit loss provision to net charge-offs | 52.9954% | 4,436 |
| Earnings coverage of net charge-offs (x) | 1.7650% | 3,675 |
| Efficiency ratio | 72.3969% | 3,859 |
| Assets per employee ($millions) | 6.7992% | 868 |
| Cash dividends to net income (ytd only)* | 27.8788% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 3,898 |
| Loan loss allowance to noncurrent loans | 281.0606% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.8515% | 5,455 |
| Noncurrent loans to loans | 0.5347% | 6,224 |
| Net loans and leases to total assets | 55.0243% | 5,889 |
| Net loans and leases to deposits | 60.9881% | 6,363 |
| Net loans and leases to core deposits | 77.7948% | 5,050 |
| Total domestic deposits to total assets | 90.2214% | 873 |
| Equity capital to assets | 8.1212% | 6,517 |
| Core capital (leverage) ratio | 7.7996% | 6,506 |
| Tier 1 risk-based capital ratio | 12.3917% | 4,837 |
| Total risk-based capital ratio | 13.6429% | 4,789 |
| Memoranda: | ||
| Average total assets | $268,409,500 | 2,488 |
| Average earning assets | $244,648,500 | 2,497 |
| Average equity | $20,781,000 | 3,092 |
| Average total loans | $152,343,000 | 2,853 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4541% | 4,419 |
| Cost of funding earning assets | 1.0229% | 7,163 |
| Net interest margin | 4.4312% | 1,340 |
| Noninterest income to average assets | 0.1411% | 7,037 |
| Noninterest expense to average assets | 3.0996% | 3,746 |
| Loan and lease loss provision to assets | 0.2519% | 5,381 |
| Net operating income to assets | 0.5601% | 3,485 |
| Return on assets (ROA) | 0.5601% | 3,566 |
| Pretax return on assets | 0.9047% | 2,909 |
| Return on Equity (ROE) | 7.9177% | 2,405 |
| Retained earnings to average equity (ytd only) | 6.8988% | 1,000 |
| Net charge-offs to loans | -0.0343% | 7,824 |
| Credit loss provision to net charge-offs | -1,239.6226% | 7,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9445% | 4,268 |
| Assets per employee ($millions) | 6.9654% | 813 |
| Cash dividends to net income (ytd only)* | 12.8679% | 3,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 3,941 |
| Loan loss allowance to noncurrent loans | 47.8790% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 1.9739% | 3,432 |
| Noncurrent loans to loans | 3.0418% | 2,537 |
| Net loans and leases to total assets | 56.7909% | 5,854 |
| Net loans and leases to deposits | 62.5360% | 6,407 |
| Net loans and leases to core deposits | 92.0230% | 4,883 |
| Total domestic deposits to total assets | 90.8131% | 611 |
| Equity capital to assets | 7.3724% | 7,143 |
| Core capital (leverage) ratio | 7.1485% | 7,111 |
| Tier 1 risk-based capital ratio | 11.3599% | 5,553 |
| Total risk-based capital ratio | 12.6101% | 5,504 |
| Memoranda: | ||
| Average total assets | $260,868,200 | 2,508 |
| Average earning assets | $242,258,200 | 2,481 |
| Average equity | $18,452,400 | 3,433 |
| Average total loans | $154,508,600 | 2,852 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4736% | 4,560 |
| Cost of funding earning assets | 1.0790% | 7,222 |
| Net interest margin | 4.3946% | 1,454 |
| Noninterest income to average assets | 0.1498% | 7,111 |
| Noninterest expense to average assets | 3.1497% | 3,461 |
| Loan and lease loss provision to assets | 0.2360% | 5,087 |
| Net operating income to assets | 0.5304% | 3,859 |
| Return on assets (ROA) | 0.5304% | 3,949 |
| Pretax return on assets | 0.8532% | 3,371 |
| Return on Equity (ROE) | 7.5825% | 2,827 |
| Retained earnings to average equity (ytd only) | 6.1944% | 1,851 |
| Net charge-offs to loans | -0.0459% | 7,849 |
| Credit loss provision to net charge-offs | -862.2642% | 7,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4040% | 3,975 |
| Assets per employee ($millions) | 6.4996% | 984 |
| Cash dividends to net income (ytd only)* | 18.3057% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3334% | 4,297 |
| Loan loss allowance to noncurrent loans | 30.2501% | 6,446 |
| Noncurrent assets plus other real estate owned to assets | 2.8960% | 2,394 |
| Noncurrent loans to loans | 4.4081% | 1,600 |
| Net loans and leases to total assets | 59.1989% | 5,714 |
| Net loans and leases to deposits | 65.0627% | 6,393 |
| Net loans and leases to core deposits | 88.8814% | 5,544 |
| Total domestic deposits to total assets | 90.9875% | 424 |
| Equity capital to assets | 7.2201% | 7,473 |
| Core capital (leverage) ratio | 6.8960% | 7,491 |
| Tier 1 risk-based capital ratio | 10.5082% | 6,461 |
| Total risk-based capital ratio | 11.7316% | 6,441 |
| Memoranda: | ||
| Average total assets | $258,173,000 | 2,543 |
| Average earning assets | $240,225,750 | 2,514 |
| Average equity | $18,058,750 | 3,528 |
| Average total loans | $153,997,750 | 2,884 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5365% | 4,405 |
| Cost of funding earning assets | 1.1103% | 7,354 |
| Net interest margin | 4.4262% | 1,350 |
| Noninterest income to average assets | 0.1662% | 7,091 |
| Noninterest expense to average assets | 3.2147% | 3,296 |
| Loan and lease loss provision to assets | 0.2151% | 4,896 |
| Net operating income to assets | 0.5435% | 3,916 |
| Return on assets (ROA) | 0.5435% | 4,029 |
| Pretax return on assets | 0.8534% | 3,494 |
| Return on Equity (ROE) | 7.8558% | 2,833 |
| Retained earnings to average equity (ytd only) | 7.0141% | 1,581 |
| Net charge-offs to loans | -0.0039% | 7,508 |
| Credit loss provision to net charge-offs | -9,233.3333% | 7,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1661% | 4,009 |
| Assets per employee ($millions) | 5.9228% | 1,255 |
| Cash dividends to net income (ytd only)* | 10.7143% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 4,958 |
| Loan loss allowance to noncurrent loans | 53.4065% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 1.5259% | 3,936 |
| Noncurrent loans to loans | 2.2435% | 3,197 |
| Net loans and leases to total assets | 57.2364% | 6,064 |
| Net loans and leases to deposits | 62.6771% | 6,690 |
| Net loans and leases to core deposits | 81.7652% | 6,262 |
| Total domestic deposits to total assets | 91.3195% | 365 |
| Equity capital to assets | 6.8150% | 7,700 |
| Core capital (leverage) ratio | 6.6357% | 7,725 |
| Tier 1 risk-based capital ratio | 10.3853% | 6,495 |
| Total risk-based capital ratio | 11.4737% | 6,615 |
| Memoranda: | ||
| Average total assets | $257,569,670 | 2,563 |
| Average earning assets | $239,572,330 | 2,526 |
| Average equity | $17,821,330 | 3,574 |
| Average total loans | $153,334,670 | 2,924 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6320% | 4,163 |
| Cost of funding earning assets | 1.1009% | 7,521 |
| Net interest margin | 4.5311% | 1,066 |
| Noninterest income to average assets | 0.2244% | 6,674 |
| Noninterest expense to average assets | 3.1799% | 3,074 |
| Loan and lease loss provision to assets | 0.3161% | 3,442 |
| Net operating income to assets | 0.6164% | 3,955 |
| Return on assets (ROA) | 0.6164% | 4,141 |
| Pretax return on assets | 0.9435% | 3,557 |
| Return on Equity (ROE) | 8.8385% | 2,787 |
| Retained earnings to average equity (ytd only) | 7.1388% | 2,164 |
| Net charge-offs to loans | 0.1047% | 4,127 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 19.9250% | 1,398 |
| Efficiency ratio | 70.7369% | 4,424 |
| Assets per employee ($millions) | 5.8893% | 1,263 |
| Cash dividends to net income (ytd only)* | 19.2308% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 5,540 |
| Loan loss allowance to noncurrent loans | 92.5134% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.9736% | 4,761 |
| Noncurrent loans to loans | 1.1786% | 4,619 |
| Net loans and leases to total assets | 60.5589% | 5,565 |
| Net loans and leases to deposits | 66.4494% | 6,337 |
| Net loans and leases to core deposits | 81.0456% | 6,307 |
| Total domestic deposits to total assets | 91.1354% | 371 |
| Equity capital to assets | 6.9617% | 7,700 |
| Core capital (leverage) ratio | 6.7227% | 7,791 |
| Tier 1 risk-based capital ratio | 10.6095% | 6,282 |
| Total risk-based capital ratio | 11.6658% | 6,390 |
| Memoranda: | ||
| Average total assets | $253,090,500 | 2,612 |
| Average earning assets | $235,440,500 | 2,581 |
| Average equity | $17,650,000 | 3,614 |
| Average total loans | $152,801,500 | 2,960 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9892% | 5,597 |
| Cost of funding earning assets | 1.8450% | 6,881 |
| Net interest margin | 4.1442% | 2,524 |
| Noninterest income to average assets | 0.1761% | 7,174 |
| Noninterest expense to average assets | 2.8368% | 4,658 |
| Loan and lease loss provision to assets | 0.6849% | 2,129 |
| Net operating income to assets | 0.3560% | 5,327 |
| Return on assets (ROA) | 0.3649% | 5,091 |
| Pretax return on assets | 0.4893% | 5,004 |
| Return on Equity (ROE) | 5.3359% | 4,220 |
| Retained earnings to average equity (ytd only) | 3.0641% | 3,255 |
| Net charge-offs to loans | 0.2604% | 3,678 |
| Credit loss provision to net charge-offs | 471.7201% | 934 |
| Earnings coverage of net charge-offs (x) | 8.0058% | 2,965 |
| Efficiency ratio | 70.1842% | 4,316 |
| Assets per employee ($millions) | 6.5013% | 888 |
| Cash dividends to net income (ytd only)* | 42.5754% | 3,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 5,650 |
| Loan loss allowance to noncurrent loans | 97.8385% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 0.8792% | 4,658 |
| Noncurrent loans to loans | 1.0705% | 4,427 |
| Net loans and leases to total assets | 58.8573% | 6,080 |
| Net loans and leases to deposits | 64.6544% | 6,738 |
| Net loans and leases to core deposits | 71.4566% | 7,109 |
| Total domestic deposits to total assets | 91.0338% | 318 |
| Equity capital to assets | 6.9864% | 7,747 |
| Core capital (leverage) ratio | 6.8866% | 7,771 |
| Tier 1 risk-based capital ratio | 10.3252% | 6,395 |
| Total risk-based capital ratio | 11.2602% | 6,604 |
| Memoranda: | ||
| Average total assets | $236,249,200 | 2,687 |
| Average earning assets | $217,942,000 | 2,679 |
| Average equity | $16,154,800 | 3,898 |
| Average total loans | $131,743,000 | 3,237 |