Home > Valley Bank and Trust Co. > Performance and Condition Ratios
Valley Bank and Trust Co., Performance and Condition Ratios
| 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 | 4.1594% | 2,621 |
| Cost of funding earning assets | 0.4801% | 2,275 |
| Net interest margin | 3.6792% | 2,756 |
| Noninterest income to average assets | 0.6601% | 2,217 |
| Noninterest expense to average assets | 3.3227% | 1,547 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5522% | 4,413 |
| Return on assets (ROA) | 0.5610% | 4,469 |
| Pretax return on assets | 0.7452% | 4,378 |
| Return on Equity (ROE) | 5.3945% | 4,288 |
| Retained earnings to average equity (ytd only) | 5.3945% | 2,717 |
| Net charge-offs to loans | 0.3159% | 691 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.0534% | 2,594 |
| Efficiency ratio | 81.9149% | 1,375 |
| Assets per employee ($millions) | 3.3937% | 4,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7021% | 1,369 |
| Loan loss allowance to noncurrent loans | 285.7143% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 3,369 |
| Noncurrent loans to loans | 0.5957% | 3,400 |
| Net loans and leases to total assets | 78.7072% | 993 |
| Net loans and leases to deposits | 88.9396% | 1,711 |
| Net loans and leases to core deposits | 97.7300% | 1,657 |
| Total domestic deposits to total assets | 88.4951% | 1,359 |
| Equity capital to assets | 11.0350% | 2,899 |
| Core capital (leverage) ratio | 9.9609% | 3,586 |
| Tier 1 risk-based capital ratio | 12.0041% | 4,915 |
| Total risk-based capital ratio | 13.2583% | 4,830 |
| Memoranda: | ||
| Average total assets | $342,973,500 | 1,954 |
| Average earning assets | $316,587,000 | 1,961 |
| Average equity | $35,666,000 | 2,050 |
| Average total loans | $260,846,500 | 1,721 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1596% | 2,707 |
| Cost of funding earning assets | 0.4821% | 2,339 |
| Net interest margin | 3.6775% | 2,843 |
| Noninterest income to average assets | 0.8576% | 1,580 |
| Noninterest expense to average assets | 3.6705% | 1,016 |
| Loan and lease loss provision to assets | 0.0638% | 3,018 |
| Net operating income to assets | 0.4061% | 5,035 |
| Return on assets (ROA) | 0.5541% | 4,573 |
| Pretax return on assets | 0.6494% | 4,677 |
| Return on Equity (ROE) | 5.4041% | 4,328 |
| Retained earnings to average equity (ytd only) | 1.6409% | 4,792 |
| Net charge-offs to loans | 0.0742% | 2,769 |
| Credit loss provision to net charge-offs | 117.8010% | 2,186 |
| Earnings coverage of net charge-offs (x) | 10.4346% | 2,686 |
| Efficiency ratio | 86.6519% | 945 |
| Assets per employee ($millions) | 3.7617% | 4,353 |
| Cash dividends to net income (ytd only)* | 69.6365% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2920% | 2,951 |
| Loan loss allowance to noncurrent loans | 248.3419% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.4553% | 3,787 |
| Noncurrent loans to loans | 0.5203% | 3,611 |
| Net loans and leases to total assets | 71.2956% | 2,157 |
| Net loans and leases to deposits | 79.6149% | 2,868 |
| Net loans and leases to core deposits | 91.4793% | 2,274 |
| Total domestic deposits to total assets | 89.5505% | 824 |
| Equity capital to assets | 10.0308% | 3,923 |
| Core capital (leverage) ratio | 9.7946% | 3,784 |
| Tier 1 risk-based capital ratio | 11.9955% | 4,952 |
| Total risk-based capital ratio | 13.1829% | 4,901 |
| Memoranda: | ||
| Average total assets | $352,488,400 | 1,853 |
| Average earning assets | $323,808,800 | 1,872 |
| Average equity | $36,139,000 | 1,974 |
| Average total loans | $257,529,600 | 1,685 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1954% | 2,586 |
| Cost of funding earning assets | 0.4838% | 2,372 |
| Net interest margin | 3.7116% | 2,717 |
| Noninterest income to average assets | 1.5006% | 550 |
| Noninterest expense to average assets | 3.7971% | 856 |
| Loan and lease loss provision to assets | 0.0571% | 3,046 |
| Net operating income to assets | 0.7589% | 3,639 |
| Return on assets (ROA) | 0.7589% | 3,741 |
| Pretax return on assets | 1.0508% | 3,407 |
| Return on Equity (ROE) | 7.3609% | 3,428 |
| Retained earnings to average equity (ytd only) | 3.3741% | 4,067 |
| Net charge-offs to loans | 0.0992% | 2,156 |
| Credit loss provision to net charge-offs | 78.5340% | 2,634 |
| Earnings coverage of net charge-offs (x) | 15.2409% | 2,195 |
| Efficiency ratio | 77.4131% | 2,029 |
| Assets per employee ($millions) | 3.5641% | 4,682 |
| Cash dividends to net income (ytd only)* | 54.1623% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 3,300 |
| Loan loss allowance to noncurrent loans | 200.7922% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.5464% | 3,663 |
| Noncurrent loans to loans | 0.6279% | 3,434 |
| Net loans and leases to total assets | 73.1344% | 1,885 |
| Net loans and leases to deposits | 81.9916% | 2,648 |
| Net loans and leases to core deposits | 94.5806% | 2,028 |
| Total domestic deposits to total assets | 89.1974% | 917 |
| Equity capital to assets | 10.3959% | 3,712 |
| Core capital (leverage) ratio | 9.7385% | 3,983 |
| Tier 1 risk-based capital ratio | 12.1840% | 4,977 |
| Total risk-based capital ratio | 13.3522% | 4,936 |
| Memoranda: | ||
| Average total assets | $350,330,750 | 1,880 |
| Average earning assets | $321,328,500 | 1,895 |
| Average equity | $36,118,000 | 1,987 |
| Average total loans | $256,704,000 | 1,694 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1872% | 2,590 |
| Cost of funding earning assets | 0.4839% | 2,398 |
| Net interest margin | 3.7033% | 2,694 |
| Noninterest income to average assets | 1.8301% | 419 |
| Noninterest expense to average assets | 4.1082% | 604 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8132% | 3,316 |
| Return on assets (ROA) | 0.8132% | 3,420 |
| Pretax return on assets | 1.1073% | 3,139 |
| Return on Equity (ROE) | 7.9098% | 3,108 |
| Retained earnings to average equity (ytd only) | 3.2340% | 3,992 |
| Net charge-offs to loans | 0.0196% | 3,292 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 77.4000% | 722 |
| Efficiency ratio | 78.7689% | 1,948 |
| Assets per employee ($millions) | 3.3263% | 5,115 |
| Cash dividends to net income (ytd only)* | 59.1133% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 3,376 |
| Loan loss allowance to noncurrent loans | 205.6522% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.5271% | 3,854 |
| Noncurrent loans to loans | 0.6194% | 3,612 |
| Net loans and leases to total assets | 69.5019% | 2,406 |
| Net loans and leases to deposits | 77.3827% | 3,108 |
| Net loans and leases to core deposits | 88.9189% | 2,463 |
| Total domestic deposits to total assets | 89.8157% | 742 |
| Equity capital to assets | 9.8325% | 4,241 |
| Core capital (leverage) ratio | 9.9114% | 3,724 |
| Tier 1 risk-based capital ratio | 11.8242% | 5,265 |
| Total risk-based capital ratio | 12.9762% | 5,240 |
| Memoranda: | ||
| Average total assets | $349,494,000 | 1,895 |
| Average earning assets | $319,499,330 | 1,923 |
| Average equity | $35,930,330 | 2,004 |
| Average total loans | $255,157,670 | 1,711 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2408% | 2,310 |
| Cost of funding earning assets | 0.4890% | 2,389 |
| Net interest margin | 3.7518% | 2,427 |
| Noninterest income to average assets | 0.9846% | 1,153 |
| Noninterest expense to average assets | 3.7170% | 987 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5418% | 4,506 |
| Return on assets (ROA) | 0.5418% | 4,621 |
| Pretax return on assets | 0.6925% | 4,615 |
| Return on Equity (ROE) | 5.1477% | 4,454 |
| Retained earnings to average equity (ytd only) | -1.5667% | 5,630 |
| Net charge-offs to loans | 0.0016% | 3,256 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 588.0000% | 89 |
| Efficiency ratio | 84.2949% | 1,343 |
| Assets per employee ($millions) | 2.9874% | 5,681 |
| Cash dividends to net income (ytd only)* | 130.4348% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 3,308 |
| Loan loss allowance to noncurrent loans | 54.8159% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 1.8731% | 1,299 |
| Noncurrent loans to loans | 2.4074% | 1,023 |
| Net loans and leases to total assets | 72.5897% | 1,716 |
| Net loans and leases to deposits | 81.2581% | 2,419 |
| Net loans and leases to core deposits | 93.5381% | 1,807 |
| Total domestic deposits to total assets | 89.3323% | 1,080 |
| Equity capital to assets | 10.3935% | 3,660 |
| Core capital (leverage) ratio | 9.6781% | 4,041 |
| Tier 1 risk-based capital ratio | 12.1642% | 5,136 |
| Total risk-based capital ratio | 13.4084% | 5,049 |
| Memoranda: | ||
| Average total assets | $339,633,000 | 1,959 |
| Average earning assets | $310,035,500 | 1,988 |
| Average equity | $35,744,000 | 2,024 |
| Average total loans | $252,775,000 | 1,720 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4403% | 2,103 |
| Cost of funding earning assets | 0.5152% | 2,532 |
| Net interest margin | 3.9251% | 2,141 |
| Noninterest income to average assets | 0.9069% | 1,481 |
| Noninterest expense to average assets | 4.1323% | 655 |
| Loan and lease loss provision to assets | -0.1466% | 6,227 |
| Net operating income to assets | 0.4013% | 5,220 |
| Return on assets (ROA) | 0.4071% | 5,260 |
| Pretax return on assets | 0.4877% | 5,282 |
| Return on Equity (ROE) | 3.8562% | 5,180 |
| Retained earnings to average equity (ytd only) | -0.7246% | 5,881 |
| Net charge-offs to loans | 0.0916% | 3,185 |
| Credit loss provision to net charge-offs | -215.5172% | 5,648 |
| Earnings coverage of net charge-offs (x) | 4.9138% | 3,537 |
| Efficiency ratio | 92.5187% | 677 |
| Assets per employee ($millions) | 2.8941% | 5,839 |
| Cash dividends to net income (ytd only)* | 118.7905% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 3,319 |
| Loan loss allowance to noncurrent loans | 445.9893% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.3274% | 4,735 |
| Noncurrent loans to loans | 0.2958% | 4,789 |
| Net loans and leases to total assets | 74.3179% | 1,536 |
| Net loans and leases to deposits | 83.6360% | 2,258 |
| Net loans and leases to core deposits | 97.3366% | 1,608 |
| Total domestic deposits to total assets | 88.8587% | 1,315 |
| Equity capital to assets | 10.6581% | 3,290 |
| Core capital (leverage) ratio | 10.0363% | 3,526 |
| Tier 1 risk-based capital ratio | 12.2274% | 5,209 |
| Total risk-based capital ratio | 13.4670% | 5,128 |
| Memoranda: | ||
| Average total assets | $341,167,400 | 1,906 |
| Average earning assets | $309,394,400 | 1,941 |
| Average equity | $36,020,000 | 1,950 |
| Average total loans | $253,180,200 | 1,672 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4167% | 2,173 |
| Cost of funding earning assets | 0.5155% | 2,606 |
| Net interest margin | 3.9012% | 2,243 |
| Noninterest income to average assets | 1.0537% | 1,108 |
| Noninterest expense to average assets | 3.7321% | 1,076 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6337% | 4,289 |
| Return on assets (ROA) | 0.6360% | 4,385 |
| Pretax return on assets | 0.8599% | 4,145 |
| Return on Equity (ROE) | 6.0383% | 4,211 |
| Retained earnings to average equity (ytd only) | 0.7169% | 5,589 |
| Net charge-offs to loans | 0.0921% | 2,894 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 12.5770% | 2,302 |
| Efficiency ratio | 81.3301% | 1,704 |
| Assets per employee ($millions) | 2.8407% | 5,923 |
| Cash dividends to net income (ytd only)* | 88.1273% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 2,461 |
| Loan loss allowance to noncurrent loans | 373.9673% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.5647% | 4,165 |
| Noncurrent loans to loans | 0.4170% | 4,657 |
| Net loans and leases to total assets | 73.3087% | 1,626 |
| Net loans and leases to deposits | 82.4941% | 2,359 |
| Net loans and leases to core deposits | 96.2640% | 1,655 |
| Total domestic deposits to total assets | 88.8654% | 1,324 |
| Equity capital to assets | 10.8148% | 3,162 |
| Core capital (leverage) ratio | 9.9432% | 3,748 |
| Tier 1 risk-based capital ratio | 12.6270% | 5,079 |
| Total risk-based capital ratio | 13.8798% | 5,001 |
| Memoranda: | ||
| Average total assets | $342,530,250 | 1,909 |
| Average earning assets | $310,390,250 | 1,945 |
| Average equity | $36,079,750 | 1,952 |
| Average total loans | $253,267,000 | 1,679 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4000% | 2,175 |
| Cost of funding earning assets | 0.5148% | 2,675 |
| Net interest margin | 3.8852% | 2,236 |
| Noninterest income to average assets | 1.0169% | 1,152 |
| Noninterest expense to average assets | 3.7232% | 1,093 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5944% | 4,379 |
| Return on assets (ROA) | 0.5931% | 4,483 |
| Pretax return on assets | 0.8099% | 4,231 |
| Return on Equity (ROE) | 5.6798% | 4,339 |
| Retained earnings to average equity (ytd only) | -1.2048% | 5,887 |
| Net charge-offs to loans | 0.1100% | 2,568 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,288 |
| Efficiency ratio | 82.1018% | 1,728 |
| Assets per employee ($millions) | 2.7839% | 6,047 |
| Cash dividends to net income (ytd only)* | 121.2121% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 2,592 |
| Loan loss allowance to noncurrent loans | 127.7398% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 1.2705% | 2,573 |
| Noncurrent loans to loans | 1.2270% | 2,778 |
| Net loans and leases to total assets | 72.6343% | 1,630 |
| Net loans and leases to deposits | 81.4738% | 2,318 |
| Net loans and leases to core deposits | 93.8503% | 1,792 |
| Total domestic deposits to total assets | 89.1505% | 1,279 |
| Equity capital to assets | 10.5421% | 3,392 |
| Core capital (leverage) ratio | 9.9277% | 3,707 |
| Tier 1 risk-based capital ratio | 12.4425% | 5,270 |
| Total risk-based capital ratio | 13.6954% | 5,186 |
| Memoranda: | ||
| Average total assets | $344,971,330 | 1,894 |
| Average earning assets | $312,362,330 | 1,925 |
| Average equity | $36,022,330 | 1,951 |
| Average total loans | $254,479,670 | 1,667 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4149% | 2,084 |
| Cost of funding earning assets | 0.5087% | 2,811 |
| Net interest margin | 3.9061% | 2,064 |
| Noninterest income to average assets | 1.1184% | 892 |
| Noninterest expense to average assets | 3.6256% | 1,262 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7675% | 3,323 |
| Return on assets (ROA) | 0.7675% | 3,405 |
| Pretax return on assets | 1.0356% | 3,189 |
| Return on Equity (ROE) | 7.3842% | 3,268 |
| Retained earnings to average equity (ytd only) | 3.8416% | 3,821 |
| Net charge-offs to loans | 0.0156% | 3,279 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 496 |
| Efficiency ratio | 77.7833% | 2,503 |
| Assets per employee ($millions) | 2.9525% | 5,908 |
| Cash dividends to net income (ytd only)* | 47.9760% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6020% | 2,694 |
| Loan loss allowance to noncurrent loans | 71.2180% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 1.9957% | 1,718 |
| Noncurrent loans to loans | 2.2494% | 1,606 |
| Net loans and leases to total assets | 70.9409% | 1,732 |
| Net loans and leases to deposits | 79.4546% | 2,372 |
| Net loans and leases to core deposits | 84.7942% | 2,437 |
| Total domestic deposits to total assets | 89.2847% | 1,479 |
| Equity capital to assets | 10.3464% | 3,405 |
| Core capital (leverage) ratio | 9.7674% | 3,908 |
| Tier 1 risk-based capital ratio | 12.5652% | 5,275 |
| Total risk-based capital ratio | 13.8184% | 5,212 |
| Memoranda: | ||
| Average total assets | $347,638,500 | 1,887 |
| Average earning assets | $315,299,500 | 1,906 |
| Average equity | $36,131,000 | 1,935 |
| Average total loans | $256,409,000 | 1,658 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7079% | 1,548 |
| Cost of funding earning assets | 0.5649% | 2,975 |
| Net interest margin | 4.1430% | 1,532 |
| Noninterest income to average assets | 1.0568% | 1,262 |
| Noninterest expense to average assets | 3.8970% | 998 |
| Loan and lease loss provision to assets | -0.1641% | 6,562 |
| Net operating income to assets | 0.7653% | 3,471 |
| Return on assets (ROA) | 0.7818% | 3,491 |
| Pretax return on assets | 1.0992% | 2,950 |
| Return on Equity (ROE) | 7.4304% | 3,344 |
| Retained earnings to average equity (ytd only) | 4.4537% | 3,005 |
| Net charge-offs to loans | -0.2962% | 6,673 |
| Credit loss provision to net charge-offs | 74.9319% | 3,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0383% | 2,019 |
| Assets per employee ($millions) | 2.9396% | 5,925 |
| Cash dividends to net income (ytd only)* | 40.0610% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 2,895 |
| Loan loss allowance to noncurrent loans | 162.0717% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.9895% | 3,438 |
| Noncurrent loans to loans | 0.9672% | 3,586 |
| Net loans and leases to total assets | 74.2719% | 1,302 |
| Net loans and leases to deposits | 84.7327% | 1,831 |
| Net loans and leases to core deposits | 89.9159% | 2,038 |
| Total domestic deposits to total assets | 87.6544% | 2,390 |
| Equity capital to assets | 10.4411% | 3,235 |
| Core capital (leverage) ratio | 9.8440% | 3,786 |
| Tier 1 risk-based capital ratio | 12.3109% | 5,424 |
| Total risk-based capital ratio | 13.5642% | 5,345 |
| Memoranda: | ||
| Average total assets | $335,255,200 | 1,919 |
| Average earning assets | $303,619,000 | 1,952 |
| Average equity | $35,274,200 | 1,955 |
| Average total loans | $247,783,400 | 1,674 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6190% | 1,835 |
| Cost of funding earning assets | 0.5753% | 3,042 |
| Net interest margin | 4.0437% | 1,809 |
| Noninterest income to average assets | 1.0940% | 1,218 |
| Noninterest expense to average assets | 3.6898% | 1,264 |
| Loan and lease loss provision to assets | 0.0600% | 3,848 |
| Net operating income to assets | 0.7368% | 3,667 |
| Return on assets (ROA) | 0.7441% | 3,752 |
| Pretax return on assets | 1.0147% | 3,452 |
| Return on Equity (ROE) | 7.0585% | 3,614 |
| Retained earnings to average equity (ytd only) | 3.7362% | 4,034 |
| Net charge-offs to loans | 0.0082% | 4,992 |
| Credit loss provision to net charge-offs | 1,000.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 177.3290% | 321 |
| Efficiency ratio | 77.6057% | 2,469 |
| Assets per employee ($millions) | 3.0049% | 5,839 |
| Cash dividends to net income (ytd only)* | 47.0685% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5769% | 3,113 |
| Loan loss allowance to noncurrent loans | 133.2118% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 1.1224% | 3,410 |
| Noncurrent loans to loans | 1.1837% | 3,451 |
| Net loans and leases to total assets | 73.8780% | 1,306 |
| Net loans and leases to deposits | 88.6143% | 1,304 |
| Net loans and leases to core deposits | 94.1891% | 1,554 |
| Total domestic deposits to total assets | 83.3703% | 4,435 |
| Equity capital to assets | 10.4262% | 3,367 |
| Core capital (leverage) ratio | 9.9200% | 3,788 |
| Tier 1 risk-based capital ratio | 11.9184% | 5,826 |
| Total risk-based capital ratio | 13.1713% | 5,770 |
| Memoranda: | ||
| Average total assets | $333,087,000 | 1,939 |
| Average earning assets | $301,528,750 | 1,973 |
| Average equity | $35,115,250 | 1,979 |
| Average total loans | $244,851,750 | 1,695 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6107% | 1,819 |
| Cost of funding earning assets | 0.5834% | 3,097 |
| Net interest margin | 4.0272% | 1,770 |
| Noninterest income to average assets | 1.0522% | 1,375 |
| Noninterest expense to average assets | 3.6551% | 1,320 |
| Loan and lease loss provision to assets | 0.0907% | 3,273 |
| Net operating income to assets | 0.6919% | 3,848 |
| Return on assets (ROA) | 0.7017% | 3,970 |
| Pretax return on assets | 0.9658% | 3,655 |
| Return on Equity (ROE) | 6.6306% | 3,811 |
| Retained earnings to average equity (ytd only) | 1.6334% | 5,209 |
| Net charge-offs to loans | 0.0224% | 4,389 |
| Credit loss provision to net charge-offs | 555.5556% | 513 |
| Earnings coverage of net charge-offs (x) | 63.9259% | 672 |
| Efficiency ratio | 77.7978% | 2,494 |
| Assets per employee ($millions) | 2.9078% | 6,010 |
| Cash dividends to net income (ytd only)* | 75.3661% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6331% | 3,032 |
| Loan loss allowance to noncurrent loans | 90.5106% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.6028% | 2,713 |
| Noncurrent loans to loans | 1.8044% | 2,634 |
| Net loans and leases to total assets | 74.0878% | 1,232 |
| Net loans and leases to deposits | 84.4783% | 1,738 |
| Net loans and leases to core deposits | 95.3214% | 1,417 |
| Total domestic deposits to total assets | 87.7004% | 2,443 |
| Equity capital to assets | 10.7137% | 3,038 |
| Core capital (leverage) ratio | 9.8163% | 3,774 |
| Tier 1 risk-based capital ratio | 12.2071% | 5,677 |
| Total risk-based capital ratio | 13.4604% | 5,618 |
| Memoranda: | ||
| Average total assets | $330,933,000 | 1,963 |
| Average earning assets | $299,610,330 | 1,988 |
| Average equity | $35,019,670 | 1,986 |
| Average total loans | $241,512,000 | 1,712 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5607% | 1,944 |
| Cost of funding earning assets | 0.5942% | 3,161 |
| Net interest margin | 3.9666% | 1,901 |
| Noninterest income to average assets | 0.9414% | 1,636 |
| Noninterest expense to average assets | 3.5784% | 1,458 |
| Loan and lease loss provision to assets | 0.1199% | 2,722 |
| Net operating income to assets | 0.6781% | 3,792 |
| Return on assets (ROA) | 0.6691% | 4,007 |
| Pretax return on assets | 0.8106% | 4,132 |
| Return on Equity (ROE) | 6.3620% | 3,847 |
| Retained earnings to average equity (ytd only) | 2.0865% | 4,965 |
| Net charge-offs to loans | 0.0451% | 3,395 |
| Credit loss provision to net charge-offs | 370.3704% | 683 |
| Earnings coverage of net charge-offs (x) | 29.0741% | 973 |
| Efficiency ratio | 79.1722% | 2,445 |
| Assets per employee ($millions) | 2.9987% | 5,991 |
| Cash dividends to net income (ytd only)* | 67.2043% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6596% | 3,167 |
| Loan loss allowance to noncurrent loans | 110.4999% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 1.3330% | 3,292 |
| Noncurrent loans to loans | 1.5019% | 3,302 |
| Net loans and leases to total assets | 69.8145% | 1,694 |
| Net loans and leases to deposits | 78.8600% | 2,232 |
| Net loans and leases to core deposits | 84.2264% | 2,295 |
| Total domestic deposits to total assets | 88.5297% | 1,984 |
| Equity capital to assets | 10.4657% | 3,576 |
| Core capital (leverage) ratio | 9.6513% | 3,847 |
| Tier 1 risk-based capital ratio | 12.6729% | 5,449 |
| Total risk-based capital ratio | 13.9270% | 5,400 |
| Memoranda: | ||
| Average total assets | $333,561,000 | 1,970 |
| Average earning assets | $300,916,000 | 2,006 |
| Average equity | $35,083,500 | 2,011 |
| Average total loans | $239,621,500 | 1,729 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9877% | 1,594 |
| Cost of funding earning assets | 0.7114% | 3,400 |
| Net interest margin | 4.2763% | 1,456 |
| Noninterest income to average assets | 0.8928% | 1,885 |
| Noninterest expense to average assets | 3.3397% | 2,222 |
| Loan and lease loss provision to assets | 0.3380% | 1,985 |
| Net operating income to assets | 0.7895% | 3,328 |
| Return on assets (ROA) | 0.7865% | 3,595 |
| Pretax return on assets | 1.0621% | 3,311 |
| Return on Equity (ROE) | 7.3389% | 3,444 |
| Retained earnings to average equity (ytd only) | -3.8873% | 6,350 |
| Net charge-offs to loans | 0.3460% | 2,904 |
| Credit loss provision to net charge-offs | 130.3318% | 2,147 |
| Earnings coverage of net charge-offs (x) | 5.4147% | 3,043 |
| Efficiency ratio | 70.4016% | 3,730 |
| Assets per employee ($millions) | 2.9844% | 6,038 |
| Cash dividends to net income (ytd only)* | 152.9688% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 3,250 |
| Loan loss allowance to noncurrent loans | 69.0980% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 2.0436% | 2,400 |
| Noncurrent loans to loans | 2.3342% | 2,304 |
| Net loans and leases to total assets | 71.5213% | 1,563 |
| Net loans and leases to deposits | 81.0205% | 2,142 |
| Net loans and leases to core deposits | 86.7354% | 2,228 |
| Total domestic deposits to total assets | 88.2755% | 2,044 |
| Equity capital to assets | 10.5708% | 3,441 |
| Core capital (leverage) ratio | 9.8130% | 3,644 |
| Tier 1 risk-based capital ratio | 12.4322% | 5,521 |
| Total risk-based capital ratio | 13.6879% | 5,471 |
| Memoranda: | ||
| Average total assets | $325,480,400 | 1,974 |
| Average earning assets | $293,101,400 | 2,015 |
| Average equity | $34,882,600 | 1,988 |
| Average total loans | $243,902,200 | 1,695 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0264% | 1,622 |
| Cost of funding earning assets | 0.7323% | 3,494 |
| Net interest margin | 4.2941% | 1,484 |
| Noninterest income to average assets | 0.8810% | 1,905 |
| Noninterest expense to average assets | 3.2733% | 2,350 |
| Loan and lease loss provision to assets | 0.3703% | 1,753 |
| Net operating income to assets | 0.7969% | 3,470 |
| Return on assets (ROA) | 0.7945% | 3,717 |
| Pretax return on assets | 1.1114% | 3,309 |
| Return on Equity (ROE) | 7.3879% | 3,589 |
| Retained earnings to average equity (ytd only) | -6.5768% | 6,699 |
| Net charge-offs to loans | 0.1646% | 3,807 |
| Credit loss provision to net charge-offs | 298.0132% | 910 |
| Earnings coverage of net charge-offs (x) | 11.9502% | 2,038 |
| Efficiency ratio | 68.7911% | 3,913 |
| Assets per employee ($millions) | 2.9926% | 6,064 |
| Cash dividends to net income (ytd only)* | 189.0216% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7330% | 3,033 |
| Loan loss allowance to noncurrent loans | 105.7293% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 1.5021% | 3,338 |
| Noncurrent loans to loans | 1.6391% | 3,339 |
| Net loans and leases to total assets | 74.1400% | 1,230 |
| Net loans and leases to deposits | 84.1625% | 1,851 |
| Net loans and leases to core deposits | 90.5325% | 1,923 |
| Total domestic deposits to total assets | 88.0915% | 1,996 |
| Equity capital to assets | 10.7402% | 3,566 |
| Core capital (leverage) ratio | 9.6298% | 4,082 |
| Tier 1 risk-based capital ratio | 12.2109% | 5,829 |
| Total risk-based capital ratio | 13.4689% | 5,798 |
| Memoranda: | ||
| Average total assets | $324,032,500 | 2,004 |
| Average earning assets | $292,581,500 | 2,042 |
| Average equity | $34,848,750 | 2,004 |
| Average total loans | $244,674,250 | 1,701 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0767% | 1,578 |
| Cost of funding earning assets | 0.7544% | 3,573 |
| Net interest margin | 4.3223% | 1,415 |
| Noninterest income to average assets | 1.0324% | 1,371 |
| Noninterest expense to average assets | 3.2888% | 2,341 |
| Loan and lease loss provision to assets | 0.3700% | 1,771 |
| Net operating income to assets | 0.9163% | 2,827 |
| Return on assets (ROA) | 0.9127% | 3,112 |
| Pretax return on assets | 1.2624% | 2,681 |
| Return on Equity (ROE) | 8.4828% | 3,023 |
| Retained earnings to average equity (ytd only) | -11.1480% | 6,862 |
| Net charge-offs to loans | 0.1796% | 3,520 |
| Credit loss provision to net charge-offs | 272.7273% | 1,066 |
| Earnings coverage of net charge-offs (x) | 12.0682% | 1,911 |
| Efficiency ratio | 66.7626% | 4,369 |
| Assets per employee ($millions) | 2.9167% | 6,208 |
| Cash dividends to net income (ytd only)* | 231.4189% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6433% | 3,447 |
| Loan loss allowance to noncurrent loans | 150.5069% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 1.1155% | 4,157 |
| Noncurrent loans to loans | 1.0918% | 4,342 |
| Net loans and leases to total assets | 74.7704% | 1,134 |
| Net loans and leases to deposits | 84.8654% | 1,737 |
| Net loans and leases to core deposits | 91.8237% | 1,799 |
| Total domestic deposits to total assets | 88.1047% | 2,073 |
| Equity capital to assets | 10.7539% | 3,391 |
| Core capital (leverage) ratio | 9.5770% | 4,038 |
| Tier 1 risk-based capital ratio | 11.8975% | 5,995 |
| Total risk-based capital ratio | 13.1537% | 5,962 |
| Memoranda: | ||
| Average total assets | $324,308,000 | 2,000 |
| Average earning assets | $292,160,330 | 2,038 |
| Average equity | $34,894,000 | 1,975 |
| Average total loans | $244,948,670 | 1,689 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1434% | 1,454 |
| Cost of funding earning assets | 0.7689% | 3,705 |
| Net interest margin | 4.3745% | 1,287 |
| Noninterest income to average assets | 0.9950% | 1,438 |
| Noninterest expense to average assets | 3.3603% | 2,113 |
| Loan and lease loss provision to assets | 0.3681% | 1,715 |
| Net operating income to assets | 0.9119% | 2,859 |
| Return on assets (ROA) | 0.9091% | 3,098 |
| Pretax return on assets | 1.1925% | 2,938 |
| Return on Equity (ROE) | 8.4470% | 3,084 |
| Retained earnings to average equity (ytd only) | -27.7462% | 7,115 |
| Net charge-offs to loans | -0.0326% | 6,377 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2362% | 4,125 |
| Assets per employee ($millions) | 3.0189% | 6,114 |
| Cash dividends to net income (ytd only)* | 428.4750% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6187% | 3,648 |
| Loan loss allowance to noncurrent loans | 84.4311% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.5097% | 3,592 |
| Noncurrent loans to loans | 1.9172% | 3,265 |
| Net loans and leases to total assets | 72.9203% | 1,242 |
| Net loans and leases to deposits | 82.4215% | 1,874 |
| Net loans and leases to core deposits | 89.0433% | 1,946 |
| Total domestic deposits to total assets | 88.4724% | 2,026 |
| Equity capital to assets | 10.2984% | 3,728 |
| Core capital (leverage) ratio | 9.3333% | 4,310 |
| Tier 1 risk-based capital ratio | 11.9863% | 5,970 |
| Total risk-based capital ratio | 13.2406% | 5,958 |
| Memoranda: | ||
| Average total assets | $326,041,500 | 1,997 |
| Average earning assets | $292,881,500 | 2,037 |
| Average equity | $35,089,500 | 1,969 |
| Average total loans | $245,472,000 | 1,688 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2877% | 1,740 |
| Cost of funding earning assets | 0.9830% | 3,492 |
| Net interest margin | 4.3048% | 1,685 |
| Noninterest income to average assets | 1.0964% | 1,105 |
| Noninterest expense to average assets | 3.3732% | 2,311 |
| Loan and lease loss provision to assets | 0.3170% | 3,145 |
| Net operating income to assets | 0.9262% | 2,500 |
| Return on assets (ROA) | 0.9332% | 2,593 |
| Pretax return on assets | 1.3131% | 2,079 |
| Return on Equity (ROE) | 8.6510% | 2,610 |
| Retained earnings to average equity (ytd only) | 5.3983% | 2,375 |
| Net charge-offs to loans | 0.3643% | 3,582 |
| Credit loss provision to net charge-offs | 114.8272% | 2,844 |
| Earnings coverage of net charge-offs (x) | 5.8685% | 2,659 |
| Efficiency ratio | 67.5522% | 4,455 |
| Assets per employee ($millions) | 3.0189% | 6,045 |
| Cash dividends to net income (ytd only)* | 37.5989% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 4,157 |
| Loan loss allowance to noncurrent loans | 114.9240% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 1.0256% | 4,560 |
| Noncurrent loans to loans | 1.2775% | 4,238 |
| Net loans and leases to total assets | 75.3561% | 1,042 |
| Net loans and leases to deposits | 86.8719% | 1,553 |
| Net loans and leases to core deposits | 94.4392% | 1,643 |
| Total domestic deposits to total assets | 86.7439% | 2,899 |
| Equity capital to assets | 11.2349% | 2,756 |
| Core capital (leverage) ratio | 10.2098% | 3,078 |
| Tier 1 risk-based capital ratio | 12.6648% | 5,329 |
| Total risk-based capital ratio | 13.9166% | 5,309 |
| Memoranda: | ||
| Average total assets | $324,888,600 | 1,984 |
| Average earning assets | $294,114,400 | 1,989 |
| Average equity | $35,048,000 | 1,919 |
| Average total loans | $246,195,000 | 1,699 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2982% | 1,863 |
| Cost of funding earning assets | 1.0282% | 3,480 |
| Net interest margin | 4.2700% | 1,825 |
| Noninterest income to average assets | 1.1114% | 1,079 |
| Noninterest expense to average assets | 3.3644% | 2,293 |
| Loan and lease loss provision to assets | 0.2992% | 3,134 |
| Net operating income to assets | 0.9102% | 2,700 |
| Return on assets (ROA) | 0.9241% | 2,796 |
| Pretax return on assets | 1.3413% | 2,145 |
| Return on Equity (ROE) | 8.6552% | 2,764 |
| Retained earnings to average equity (ytd only) | 5.5271% | 2,844 |
| Net charge-offs to loans | 0.3231% | 3,485 |
| Credit loss provision to net charge-offs | 122.4832% | 2,641 |
| Earnings coverage of net charge-offs (x) | 6.6342% | 2,519 |
| Efficiency ratio | 67.4942% | 4,420 |
| Assets per employee ($millions) | 2.8993% | 6,311 |
| Cash dividends to net income (ytd only)* | 36.1419% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 4,224 |
| Loan loss allowance to noncurrent loans | 108.8156% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 1.2282% | 4,343 |
| Noncurrent loans to loans | 1.3567% | 4,274 |
| Net loans and leases to total assets | 75.9396% | 986 |
| Net loans and leases to deposits | 86.7164% | 1,584 |
| Net loans and leases to core deposits | 94.8622% | 1,713 |
| Total domestic deposits to total assets | 87.5724% | 2,309 |
| Equity capital to assets | 11.2258% | 2,941 |
| Core capital (leverage) ratio | 10.1729% | 3,218 |
| Tier 1 risk-based capital ratio | 12.4091% | 5,572 |
| Total risk-based capital ratio | 13.6607% | 5,559 |
| Memoranda: | ||
| Average total assets | $325,355,500 | 1,987 |
| Average earning assets | $295,134,500 | 1,990 |
| Average equity | $34,737,250 | 1,937 |
| Average total loans | $245,983,000 | 1,714 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2717% | 1,989 |
| Cost of funding earning assets | 1.0721% | 3,454 |
| Net interest margin | 4.1995% | 2,037 |
| Noninterest income to average assets | 1.0455% | 1,203 |
| Noninterest expense to average assets | 3.4479% | 2,123 |
| Loan and lease loss provision to assets | 0.2626% | 3,299 |
| Net operating income to assets | 0.7972% | 3,090 |
| Return on assets (ROA) | 0.8177% | 3,114 |
| Pretax return on assets | 1.1725% | 2,587 |
| Return on Equity (ROE) | 7.7888% | 3,052 |
| Retained earnings to average equity (ytd only) | 4.6186% | 3,246 |
| Net charge-offs to loans | 0.2414% | 3,672 |
| Credit loss provision to net charge-offs | 144.7811% | 2,114 |
| Earnings coverage of net charge-offs (x) | 7.7508% | 2,174 |
| Efficiency ratio | 71.0367% | 3,930 |
| Assets per employee ($millions) | 2.9541% | 6,182 |
| Cash dividends to net income (ytd only)* | 40.7020% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 4,246 |
| Loan loss allowance to noncurrent loans | 96.0551% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 1.5162% | 3,927 |
| Noncurrent loans to loans | 1.5339% | 4,110 |
| Net loans and leases to total assets | 75.3474% | 1,179 |
| Net loans and leases to deposits | 86.7067% | 1,690 |
| Net loans and leases to core deposits | 95.2582% | 1,756 |
| Total domestic deposits to total assets | 86.8992% | 2,800 |
| Equity capital to assets | 10.8660% | 3,107 |
| Core capital (leverage) ratio | 9.8379% | 3,469 |
| Tier 1 risk-based capital ratio | 12.1188% | 5,696 |
| Total risk-based capital ratio | 13.3738% | 5,662 |
| Memoranda: | ||
| Average total assets | $327,501,330 | 1,984 |
| Average earning assets | $296,984,330 | 1,994 |
| Average equity | $34,382,670 | 1,940 |
| Average total loans | $246,039,330 | 1,732 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2400% | 2,091 |
| Cost of funding earning assets | 1.1186% | 3,392 |
| Net interest margin | 4.1215% | 2,180 |
| Noninterest income to average assets | 1.0210% | 1,266 |
| Noninterest expense to average assets | 3.4071% | 2,266 |
| Loan and lease loss provision to assets | 0.3634% | 2,383 |
| Net operating income to assets | 0.6976% | 3,524 |
| Return on assets (ROA) | 0.6976% | 3,589 |
| Pretax return on assets | 0.9859% | 3,176 |
| Return on Equity (ROE) | 6.7606% | 3,501 |
| Retained earnings to average equity (ytd only) | 3.5329% | 4,070 |
| Net charge-offs to loans | 0.0163% | 4,849 |
| Credit loss provision to net charge-offs | 3,000.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 111.4000% | 295 |
| Efficiency ratio | 71.6323% | 3,936 |
| Assets per employee ($millions) | 2.9879% | 6,165 |
| Cash dividends to net income (ytd only)* | 47.7431% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5657% | 3,888 |
| Loan loss allowance to noncurrent loans | 124.2126% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 1.3116% | 4,344 |
| Noncurrent loans to loans | 1.2605% | 4,581 |
| Net loans and leases to total assets | 71.7704% | 1,771 |
| Net loans and leases to deposits | 81.8684% | 2,386 |
| Net loans and leases to core deposits | 89.7779% | 2,378 |
| Total domestic deposits to total assets | 87.6655% | 2,573 |
| Equity capital to assets | 10.3532% | 3,347 |
| Core capital (leverage) ratio | 9.5465% | 3,732 |
| Tier 1 risk-based capital ratio | 12.0800% | 5,619 |
| Total risk-based capital ratio | 13.3325% | 5,608 |
| Memoranda: | ||
| Average total assets | $330,254,500 | 1,981 |
| Average earning assets | $299,311,000 | 1,991 |
| Average equity | $34,080,000 | 1,941 |
| Average total loans | $245,937,500 | 1,752 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4567% | 2,450 |
| Cost of funding earning assets | 1.5595% | 2,303 |
| Net interest margin | 3.8973% | 3,504 |
| Noninterest income to average assets | 1.0415% | 1,383 |
| Noninterest expense to average assets | 3.4121% | 2,407 |
| Loan and lease loss provision to assets | 0.5017% | 3,145 |
| Net operating income to assets | 0.4819% | 4,190 |
| Return on assets (ROA) | 0.4798% | 4,347 |
| Pretax return on assets | 0.6434% | 4,188 |
| Return on Equity (ROE) | 4.6927% | 4,207 |
| Retained earnings to average equity (ytd only) | 2.5813% | 4,055 |
| Net charge-offs to loans | 0.5428% | 3,438 |
| Credit loss provision to net charge-offs | 120.3501% | 3,506 |
| Earnings coverage of net charge-offs (x) | 2.7535% | 3,701 |
| Efficiency ratio | 74.8266% | 3,233 |
| Assets per employee ($millions) | 2.8596% | 6,420 |
| Cash dividends to net income (ytd only)* | 44.9937% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 4,519 |
| Loan loss allowance to noncurrent loans | 117.8355% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 1.4237% | 4,211 |
| Noncurrent loans to loans | 1.1861% | 4,735 |
| Net loans and leases to total assets | 74.9767% | 1,481 |
| Net loans and leases to deposits | 85.4366% | 2,198 |
| Net loans and leases to core deposits | 93.0574% | 2,377 |
| Total domestic deposits to total assets | 87.7572% | 2,391 |
| Equity capital to assets | 10.2851% | 3,399 |
| Core capital (leverage) ratio | 9.3729% | 3,893 |
| Tier 1 risk-based capital ratio | 11.7639% | 5,680 |
| Total risk-based capital ratio | 13.0144% | 5,683 |
| Memoranda: | ||
| Average total assets | $328,858,200 | 1,980 |
| Average earning assets | $296,898,600 | 2,003 |
| Average equity | $33,626,800 | 1,962 |
| Average total loans | $252,574,400 | 1,743 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4665% | 2,574 |
| Cost of funding earning assets | 1.6534% | 2,086 |
| Net interest margin | 3.8130% | 3,918 |
| Noninterest income to average assets | 1.0399% | 1,340 |
| Noninterest expense to average assets | 3.3035% | 2,563 |
| Loan and lease loss provision to assets | 0.5473% | 2,759 |
| Net operating income to assets | 0.4677% | 4,453 |
| Return on assets (ROA) | 0.4650% | 4,657 |
| Pretax return on assets | 0.6244% | 4,511 |
| Return on Equity (ROE) | 4.5545% | 4,527 |
| Retained earnings to average equity (ytd only) | 2.5294% | 4,651 |
| Net charge-offs to loans | 0.6998% | 2,667 |
| Credit loss provision to net charge-offs | 101.5801% | 4,244 |
| Earnings coverage of net charge-offs (x) | 2.1813% | 4,091 |
| Efficiency ratio | 73.7576% | 3,370 |
| Assets per employee ($millions) | 2.8359% | 6,521 |
| Cash dividends to net income (ytd only)* | 44.4635% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 4,849 |
| Loan loss allowance to noncurrent loans | 87.3247% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 1.6537% | 3,960 |
| Noncurrent loans to loans | 1.5118% | 4,368 |
| Net loans and leases to total assets | 72.9464% | 2,023 |
| Net loans and leases to deposits | 84.6591% | 2,586 |
| Net loans and leases to core deposits | 92.4303% | 2,739 |
| Total domestic deposits to total assets | 86.1649% | 2,997 |
| Equity capital to assets | 10.2923% | 3,777 |
| Core capital (leverage) ratio | 9.4179% | 4,034 |
| Tier 1 risk-based capital ratio | 11.8940% | 5,555 |
| Total risk-based capital ratio | 13.1405% | 5,536 |
| Memoranda: | ||
| Average total assets | $328,859,250 | 2,006 |
| Average earning assets | $296,589,000 | 2,029 |
| Average equity | $33,577,750 | 1,990 |
| Average total loans | $253,203,250 | 1,764 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4863% | 2,586 |
| Cost of funding earning assets | 1.7360% | 1,935 |
| Net interest margin | 3.7502% | 4,131 |
| Noninterest income to average assets | 0.9961% | 1,388 |
| Noninterest expense to average assets | 3.2677% | 2,666 |
| Loan and lease loss provision to assets | 0.5490% | 2,582 |
| Net operating income to assets | 0.4086% | 4,716 |
| Return on assets (ROA) | 0.4069% | 4,884 |
| Pretax return on assets | 0.5569% | 4,712 |
| Return on Equity (ROE) | 3.9956% | 4,779 |
| Retained earnings to average equity (ytd only) | 1.9888% | 4,868 |
| Net charge-offs to loans | 0.8615% | 2,105 |
| Credit loss provision to net charge-offs | 81.6697% | 4,663 |
| Earnings coverage of net charge-offs (x) | 1.6488% | 4,268 |
| Efficiency ratio | 74.6724% | 3,337 |
| Assets per employee ($millions) | 2.7599% | 6,659 |
| Cash dividends to net income (ytd only)* | 50.2249% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 5,414 |
| Loan loss allowance to noncurrent loans | 65.5217% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 1.8875% | 3,637 |
| Noncurrent loans to loans | 1.8419% | 3,948 |
| Net loans and leases to total assets | 75.1246% | 1,668 |
| Net loans and leases to deposits | 87.0322% | 2,332 |
| Net loans and leases to core deposits | 96.4709% | 2,396 |
| Total domestic deposits to total assets | 86.3182% | 2,920 |
| Equity capital to assets | 10.2205% | 3,743 |
| Core capital (leverage) ratio | 9.4227% | 3,927 |
| Tier 1 risk-based capital ratio | 11.5895% | 5,681 |
| Total risk-based capital ratio | 12.7323% | 5,760 |
| Memoranda: | ||
| Average total assets | $327,878,670 | 2,024 |
| Average earning assets | $295,500,330 | 2,054 |
| Average equity | $33,387,000 | 1,992 |
| Average total loans | $255,846,000 | 1,775 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4978% | 2,582 |
| Cost of funding earning assets | 1.8073% | 1,847 |
| Net interest margin | 3.6905% | 4,294 |
| Noninterest income to average assets | 1.0305% | 1,200 |
| Noninterest expense to average assets | 3.1941% | 2,888 |
| Loan and lease loss provision to assets | 0.5494% | 2,303 |
| Net operating income to assets | 0.4418% | 4,654 |
| Return on assets (ROA) | 0.4444% | 4,774 |
| Pretax return on assets | 0.6142% | 4,553 |
| Return on Equity (ROE) | 4.3728% | 4,722 |
| Retained earnings to average equity (ytd only) | 2.4507% | 4,665 |
| Net charge-offs to loans | 0.7107% | 2,079 |
| Credit loss provision to net charge-offs | 97.8261% | 3,492 |
| Earnings coverage of net charge-offs (x) | 2.0652% | 3,508 |
| Efficiency ratio | 73.3595% | 3,696 |
| Assets per employee ($millions) | 2.7667% | 6,719 |
| Cash dividends to net income (ytd only)* | 43.9560% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2630% | 5,138 |
| Loan loss allowance to noncurrent loans | 40.1905% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 2.8504% | 2,535 |
| Noncurrent loans to loans | 3.1425% | 2,556 |
| Net loans and leases to total assets | 77.4269% | 1,267 |
| Net loans and leases to deposits | 89.8465% | 1,925 |
| Net loans and leases to core deposits | 101.0336% | 2,028 |
| Total domestic deposits to total assets | 86.1769% | 3,045 |
| Equity capital to assets | 10.3119% | 3,459 |
| Core capital (leverage) ratio | 9.3683% | 3,948 |
| Tier 1 risk-based capital ratio | 11.4246% | 5,738 |
| Total risk-based capital ratio | 12.6280% | 5,759 |
| Memoranda: | ||
| Average total assets | $327,603,500 | 2,081 |
| Average earning assets | $295,027,000 | 2,116 |
| Average equity | $33,297,000 | 2,015 |
| Average total loans | $258,896,500 | 1,812 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8523% | 2,434 |
| Cost of funding earning assets | 2.1006% | 2,459 |
| Net interest margin | 3.7518% | 3,906 |
| Noninterest income to average assets | 1.1176% | 1,226 |
| Noninterest expense to average assets | 3.2422% | 3,222 |
| Loan and lease loss provision to assets | 1.1252% | 2,030 |
| Net operating income to assets | 0.1365% | 5,091 |
| Return on assets (ROA) | 0.1639% | 5,081 |
| Pretax return on assets | 0.1831% | 5,043 |
| Return on Equity (ROE) | 1.6447% | 5,038 |
| Retained earnings to average equity (ytd only) | -0.7049% | 5,177 |
| Net charge-offs to loans | 1.4527% | 1,728 |
| Credit loss provision to net charge-offs | 94.7989% | 5,823 |
| Earnings coverage of net charge-offs (x) | 1.0766% | 5,033 |
| Efficiency ratio | 71.7285% | 4,317 |
| Assets per employee ($millions) | 2.9079% | 6,436 |
| Cash dividends to net income (ytd only)* | 142.8571% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 5,251 |
| Loan loss allowance to noncurrent loans | 30.5907% | 6,429 |
| Noncurrent assets plus other real estate owned to assets | 3.3782% | 2,008 |
| Noncurrent loans to loans | 3.9829% | 1,858 |
| Net loans and leases to total assets | 78.6530% | 1,256 |
| Net loans and leases to deposits | 90.9972% | 2,047 |
| Net loans and leases to core deposits | 132.1633% | 1,162 |
| Total domestic deposits to total assets | 86.4345% | 2,801 |
| Equity capital to assets | 10.0192% | 3,728 |
| Core capital (leverage) ratio | 9.2253% | 4,085 |
| Tier 1 risk-based capital ratio | 10.5755% | 6,316 |
| Total risk-based capital ratio | 11.7005% | 6,415 |
| Memoranda: | ||
| Average total assets | $328,819,200 | 2,058 |
| Average earning assets | $298,207,200 | 2,083 |
| Average equity | $32,771,800 | 2,041 |
| Average total loans | $268,665,200 | 1,784 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9372% | 2,283 |
| Cost of funding earning assets | 2.1406% | 2,708 |
| Net interest margin | 3.7965% | 3,674 |
| Noninterest income to average assets | 1.1446% | 1,199 |
| Noninterest expense to average assets | 3.2330% | 3,181 |
| Loan and lease loss provision to assets | 0.9548% | 2,012 |
| Net operating income to assets | 0.2889% | 4,829 |
| Return on assets (ROA) | 0.3177% | 4,837 |
| Pretax return on assets | 0.4469% | 4,673 |
| Return on Equity (ROE) | 3.1923% | 4,703 |
| Retained earnings to average equity (ytd only) | 0.0490% | 5,183 |
| Net charge-offs to loans | 0.8854% | 2,193 |
| Credit loss provision to net charge-offs | 131.1384% | 3,814 |
| Earnings coverage of net charge-offs (x) | 1.8694% | 4,408 |
| Efficiency ratio | 70.3723% | 4,517 |
| Assets per employee ($millions) | 2.7849% | 6,669 |
| Cash dividends to net income (ytd only)* | 98.4654% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 3,608 |
| Loan loss allowance to noncurrent loans | 54.4273% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 2.4043% | 2,864 |
| Noncurrent loans to loans | 2.6966% | 2,811 |
| Net loans and leases to total assets | 80.5640% | 1,075 |
| Net loans and leases to deposits | 94.4049% | 1,805 |
| Net loans and leases to core deposits | 137.8866% | 1,017 |
| Total domestic deposits to total assets | 85.3388% | 3,059 |
| Equity capital to assets | 10.1235% | 3,934 |
| Core capital (leverage) ratio | 9.2024% | 4,334 |
| Tier 1 risk-based capital ratio | 10.3807% | 6,590 |
| Total risk-based capital ratio | 11.6222% | 6,541 |
| Memoranda: | ||
| Average total assets | $328,148,250 | 2,082 |
| Average earning assets | $298,159,000 | 2,105 |
| Average equity | $32,661,250 | 2,069 |
| Average total loans | $269,843,250 | 1,798 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9796% | 2,268 |
| Cost of funding earning assets | 2.1610% | 2,983 |
| Net interest margin | 3.8186% | 3,464 |
| Noninterest income to average assets | 1.1246% | 1,249 |
| Noninterest expense to average assets | 3.1340% | 3,563 |
| Loan and lease loss provision to assets | 0.8561% | 1,963 |
| Net operating income to assets | 0.4189% | 4,430 |
| Return on assets (ROA) | 0.4189% | 4,538 |
| Pretax return on assets | 0.5999% | 4,322 |
| Return on Equity (ROE) | 4.2330% | 4,405 |
| Retained earnings to average equity (ytd only) | 0.6488% | 4,929 |
| Net charge-offs to loans | 0.9433% | 1,839 |
| Credit loss provision to net charge-offs | 110.1495% | 4,206 |
| Earnings coverage of net charge-offs (x) | 1.8733% | 4,167 |
| Efficiency ratio | 68.2787% | 5,108 |
| Assets per employee ($millions) | 2.7866% | 6,663 |
| Cash dividends to net income (ytd only)* | 84.6715% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3284% | 4,106 |
| Loan loss allowance to noncurrent loans | 40.3778% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 2.8260% | 2,270 |
| Noncurrent loans to loans | 3.2898% | 2,150 |
| Net loans and leases to total assets | 79.4769% | 1,406 |
| Net loans and leases to deposits | 92.0855% | 2,461 |
| Net loans and leases to core deposits | 129.6919% | 1,595 |
| Total domestic deposits to total assets | 86.3077% | 2,618 |
| Equity capital to assets | 10.1121% | 3,802 |
| Core capital (leverage) ratio | 9.3227% | 4,136 |
| Tier 1 risk-based capital ratio | 10.5175% | 6,363 |
| Total risk-based capital ratio | 11.6897% | 6,383 |
| Memoranda: | ||
| Average total assets | $327,062,330 | 2,110 |
| Average earning assets | $296,809,330 | 2,137 |
| Average equity | $32,365,000 | 2,096 |
| Average total loans | $269,467,330 | 1,827 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9987% | 2,372 |
| Cost of funding earning assets | 2.1823% | 3,252 |
| Net interest margin | 3.8164% | 3,384 |
| Noninterest income to average assets | 1.1860% | 1,032 |
| Noninterest expense to average assets | 3.1454% | 3,205 |
| Loan and lease loss provision to assets | 0.2771% | 3,741 |
| Net operating income to assets | 0.8190% | 3,054 |
| Return on assets (ROA) | 0.8190% | 3,203 |
| Pretax return on assets | 1.2180% | 2,558 |
| Return on Equity (ROE) | 8.3696% | 2,982 |
| Retained earnings to average equity (ytd only) | 4.5939% | 3,372 |
| Net charge-offs to loans | 0.0399% | 4,936 |
| Credit loss provision to net charge-offs | 833.3333% | 724 |
| Earnings coverage of net charge-offs (x) | 44.9630% | 780 |
| Efficiency ratio | 67.7813% | 5,007 |
| Assets per employee ($millions) | 2.9352% | 6,330 |
| Cash dividends to net income (ytd only)* | 45.1128% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3293% | 3,918 |
| Loan loss allowance to noncurrent loans | 37.2273% | 6,069 |
| Noncurrent assets plus other real estate owned to assets | 3.2040% | 1,729 |
| Noncurrent loans to loans | 3.5708% | 1,767 |
| Net loans and leases to total assets | 82.4044% | 946 |
| Net loans and leases to deposits | 98.0813% | 1,652 |
| Net loans and leases to core deposits | 136.0770% | 1,306 |
| Total domestic deposits to total assets | 84.0164% | 3,694 |
| Equity capital to assets | 10.3856% | 3,574 |
| Core capital (leverage) ratio | 9.6860% | 3,775 |
| Tier 1 risk-based capital ratio | 10.3432% | 6,553 |
| Total risk-based capital ratio | 11.5567% | 6,513 |
| Memoranda: | ||
| Average total assets | $324,792,500 | 2,139 |
| Average earning assets | $293,996,000 | 2,162 |
| Average equity | $31,781,500 | 2,132 |
| Average total loans | $270,653,500 | 1,831 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8453% | 1,542 |
| Cost of funding earning assets | 2.9630% | 2,016 |
| Net interest margin | 3.8823% | 3,650 |
| Noninterest income to average assets | 1.2455% | 956 |
| Noninterest expense to average assets | 3.2247% | 3,238 |
| Loan and lease loss provision to assets | 0.1939% | 4,941 |
| Net operating income to assets | 0.8884% | 3,046 |
| Return on assets (ROA) | 0.8884% | 2,889 |
| Pretax return on assets | 1.3192% | 2,244 |
| Return on Equity (ROE) | 9.9892% | 2,263 |
| Retained earnings to average equity (ytd only) | 8.4085% | 731 |
| Net charge-offs to loans | 0.0785% | 5,642 |
| Credit loss provision to net charge-offs | 303.0303% | 1,486 |
| Earnings coverage of net charge-offs (x) | 23.6465% | 1,413 |
| Efficiency ratio | 68.0628% | 4,715 |
| Assets per employee ($millions) | 2.8653% | 6,399 |
| Cash dividends to net income (ytd only)* | 15.8239% | 4,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 3,988 |
| Loan loss allowance to noncurrent loans | 95.9585% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.3296% | 3,554 |
| Noncurrent loans to loans | 1.3235% | 3,866 |
| Net loans and leases to total assets | 82.0908% | 1,212 |
| Net loans and leases to deposits | 99.9722% | 1,837 |
| Net loans and leases to core deposits | 136.1055% | 1,476 |
| Total domestic deposits to total assets | 82.1136% | 4,153 |
| Equity capital to assets | 9.1810% | 5,110 |
| Core capital (leverage) ratio | 8.4486% | 5,658 |
| Tier 1 risk-based capital ratio | 9.1460% | 7,670 |
| Total risk-based capital ratio | 10.3204% | 7,709 |
| Memoranda: | ||
| Average total assets | $309,424,200 | 2,155 |
| Average earning assets | $278,337,400 | 2,183 |
| Average equity | $27,519,800 | 2,434 |
| Average total loans | $252,267,200 | 1,893 |