Home > Valley Business Bank > Performance and Condition Ratios
Valley Business Bank, Performance and Condition Ratios
| 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 | 4.3172% | 2,091 |
| Cost of funding earning assets | 0.1702% | 5,284 |
| Net interest margin | 4.1470% | 1,251 |
| Noninterest income to average assets | 0.3818% | 4,023 |
| Noninterest expense to average assets | 2.7366% | 3,237 |
| Loan and lease loss provision to assets | -0.1834% | 5,772 |
| Net operating income to assets | 1.0278% | 2,234 |
| Return on assets (ROA) | 1.0976% | 2,006 |
| Pretax return on assets | 1.7102% | 975 |
| Return on Equity (ROE) | 9.6046% | 2,143 |
| Retained earnings to average equity (ytd only) | 7.4161% | 1,072 |
| Net charge-offs to loans | -0.2816% | 5,790 |
| Credit loss provision to net charge-offs | 89.0173% | 2,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8735% | 3,608 |
| Assets per employee ($millions) | 5.5476% | 1,826 |
| Cash dividends to net income (ytd only)* | 22.7865% | 3,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 3,836 |
| Loan loss allowance to noncurrent loans | 252.6084% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 3,986 |
| Noncurrent loans to loans | 0.4270% | 3,609 |
| Net loans and leases to total assets | 74.7776% | 1,729 |
| Net loans and leases to deposits | 85.7879% | 2,208 |
| Net loans and leases to core deposits | 89.8859% | 2,511 |
| Total domestic deposits to total assets | 87.1657% | 2,048 |
| Equity capital to assets | 11.7093% | 2,003 |
| Core capital (leverage) ratio | 11.4954% | 1,927 |
| Tier 1 risk-based capital ratio | 15.0267% | 2,955 |
| Total risk-based capital ratio | 16.0824% | 2,978 |
| Memoranda: | ||
| Average total assets | $419,821,800 | 1,618 |
| Average earning assets | $381,911,600 | 1,632 |
| Average equity | $47,976,800 | 1,579 |
| Average total loans | $307,174,600 | 1,491 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2985% | 2,169 |
| Cost of funding earning assets | 0.1696% | 5,350 |
| Net interest margin | 4.1288% | 1,315 |
| Noninterest income to average assets | 0.3440% | 4,326 |
| Noninterest expense to average assets | 2.8041% | 2,997 |
| Loan and lease loss provision to assets | -0.2448% | 5,884 |
| Net operating income to assets | 1.0330% | 2,274 |
| Return on assets (ROA) | 1.1305% | 1,991 |
| Pretax return on assets | 1.6911% | 1,135 |
| Return on Equity (ROE) | 9.9545% | 2,071 |
| Retained earnings to average equity (ytd only) | 7.0152% | 1,623 |
| Net charge-offs to loans | -0.3676% | 5,858 |
| Credit loss provision to net charge-offs | 91.7759% | 2,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3138% | 3,171 |
| Assets per employee ($millions) | 5.3675% | 1,985 |
| Cash dividends to net income (ytd only)* | 29.5277% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 3,824 |
| Loan loss allowance to noncurrent loans | 245.8213% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 4,107 |
| Noncurrent loans to loans | 0.4480% | 3,673 |
| Net loans and leases to total assets | 71.3567% | 2,289 |
| Net loans and leases to deposits | 81.5496% | 2,791 |
| Net loans and leases to core deposits | 85.4266% | 3,001 |
| Total domestic deposits to total assets | 87.5010% | 1,663 |
| Equity capital to assets | 11.3937% | 2,609 |
| Core capital (leverage) ratio | 11.5191% | 2,014 |
| Tier 1 risk-based capital ratio | 15.0643% | 3,024 |
| Total risk-based capital ratio | 16.1376% | 3,032 |
| Memoranda: | ||
| Average total assets | $419,373,750 | 1,620 |
| Average earning assets | $381,988,000 | 1,637 |
| Average equity | $47,629,000 | 1,593 |
| Average total loans | $304,290,500 | 1,505 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3199% | 2,094 |
| Cost of funding earning assets | 0.1698% | 5,413 |
| Net interest margin | 4.1501% | 1,229 |
| Noninterest income to average assets | 0.3231% | 4,474 |
| Noninterest expense to average assets | 2.7479% | 3,208 |
| Loan and lease loss provision to assets | -0.2644% | 5,967 |
| Net operating income to assets | 1.1218% | 1,878 |
| Return on assets (ROA) | 1.1629% | 1,833 |
| Pretax return on assets | 1.6816% | 1,141 |
| Return on Equity (ROE) | 10.2506% | 1,948 |
| Retained earnings to average equity (ytd only) | 5.8012% | 2,236 |
| Net charge-offs to loans | -0.3987% | 5,924 |
| Credit loss provision to net charge-offs | 91.2106% | 2,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9321% | 3,550 |
| Assets per employee ($millions) | 4.9443% | 2,361 |
| Cash dividends to net income (ytd only)* | 43.4064% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 3,841 |
| Loan loss allowance to noncurrent loans | 239.6613% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.3412% | 4,121 |
| Noncurrent loans to loans | 0.4672% | 3,688 |
| Net loans and leases to total assets | 72.2047% | 2,132 |
| Net loans and leases to deposits | 82.5814% | 2,642 |
| Net loans and leases to core deposits | 86.6198% | 2,845 |
| Total domestic deposits to total assets | 87.4346% | 1,697 |
| Equity capital to assets | 11.5944% | 2,447 |
| Core capital (leverage) ratio | 11.3766% | 2,079 |
| Tier 1 risk-based capital ratio | 14.8952% | 3,122 |
| Total risk-based capital ratio | 15.9769% | 3,141 |
| Memoranda: | ||
| Average total assets | $416,033,000 | 1,629 |
| Average earning assets | $379,174,670 | 1,647 |
| Average equity | $47,197,330 | 1,605 |
| Average total loans | $302,449,000 | 1,514 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2885% | 2,169 |
| Cost of funding earning assets | 0.1683% | 5,481 |
| Net interest margin | 4.1202% | 1,285 |
| Noninterest income to average assets | 0.2988% | 4,592 |
| Noninterest expense to average assets | 2.7907% | 3,103 |
| Loan and lease loss provision to assets | -0.5284% | 6,086 |
| Net operating income to assets | 1.1653% | 1,659 |
| Return on assets (ROA) | 1.2027% | 1,656 |
| Pretax return on assets | 1.8579% | 760 |
| Return on Equity (ROE) | 10.7194% | 1,710 |
| Retained earnings to average equity (ytd only) | 5.1542% | 2,845 |
| Net charge-offs to loans | -0.7549% | 6,027 |
| Credit loss provision to net charge-offs | 96.4912% | 1,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6924% | 3,349 |
| Assets per employee ($millions) | 4.6794% | 2,778 |
| Cash dividends to net income (ytd only)* | 51.9169% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 3,980 |
| Loan loss allowance to noncurrent loans | 232.2514% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 4,158 |
| Noncurrent loans to loans | 0.4791% | 3,743 |
| Net loans and leases to total assets | 72.5745% | 1,941 |
| Net loans and leases to deposits | 82.9192% | 2,438 |
| Net loans and leases to core deposits | 87.0212% | 2,654 |
| Total domestic deposits to total assets | 87.5243% | 1,911 |
| Equity capital to assets | 11.4375% | 2,497 |
| Core capital (leverage) ratio | 11.3519% | 2,092 |
| Tier 1 risk-based capital ratio | 14.6338% | 3,321 |
| Total risk-based capital ratio | 15.7036% | 3,355 |
| Memoranda: | ||
| Average total assets | $416,388,500 | 1,627 |
| Average earning assets | $380,368,000 | 1,646 |
| Average equity | $46,719,000 | 1,610 |
| Average total loans | $302,034,500 | 1,512 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4577% | 1,723 |
| Cost of funding earning assets | 0.1827% | 5,420 |
| Net interest margin | 4.2750% | 1,010 |
| Noninterest income to average assets | 0.4349% | 3,787 |
| Noninterest expense to average assets | 2.6056% | 3,900 |
| Loan and lease loss provision to assets | -0.0975% | 5,850 |
| Net operating income to assets | 1.1817% | 1,612 |
| Return on assets (ROA) | 1.2038% | 1,604 |
| Pretax return on assets | 1.8457% | 734 |
| Return on Equity (ROE) | 11.0127% | 1,608 |
| Retained earnings to average equity (ytd only) | 6.2178% | 1,691 |
| Net charge-offs to loans | -0.1532% | 5,902 |
| Credit loss provision to net charge-offs | 93.4579% | 2,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3194% | 4,870 |
| Assets per employee ($millions) | 4.7303% | 2,692 |
| Cash dividends to net income (ytd only)* | 43.5399% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 4,008 |
| Loan loss allowance to noncurrent loans | 187.9146% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.4226% | 3,915 |
| Noncurrent loans to loans | 0.5894% | 3,402 |
| Net loans and leases to total assets | 70.9069% | 2,215 |
| Net loans and leases to deposits | 84.6615% | 2,282 |
| Net loans and leases to core deposits | 88.6822% | 2,535 |
| Total domestic deposits to total assets | 83.7534% | 3,577 |
| Equity capital to assets | 11.0073% | 2,819 |
| Core capital (leverage) ratio | 11.2037% | 2,213 |
| Tier 1 risk-based capital ratio | 14.2545% | 3,578 |
| Total risk-based capital ratio | 15.3047% | 3,606 |
| Memoranda: | ||
| Average total assets | $410,189,000 | 1,608 |
| Average earning assets | $372,748,600 | 1,629 |
| Average equity | $44,839,200 | 1,648 |
| Average total loans | $279,330,600 | 1,567 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2937% | 2,254 |
| Cost of funding earning assets | 0.1871% | 5,479 |
| Net interest margin | 4.1065% | 1,395 |
| Noninterest income to average assets | 0.4718% | 3,556 |
| Noninterest expense to average assets | 2.5970% | 3,895 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0587% | 2,181 |
| Return on assets (ROA) | 1.0889% | 2,140 |
| Pretax return on assets | 1.6471% | 1,251 |
| Return on Equity (ROE) | 9.9794% | 2,113 |
| Retained earnings to average equity (ytd only) | 5.3315% | 2,698 |
| Net charge-offs to loans | -0.0200% | 5,212 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8580% | 4,598 |
| Assets per employee ($millions) | 4.4604% | 3,081 |
| Cash dividends to net income (ytd only)* | 46.5747% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 3,868 |
| Loan loss allowance to noncurrent loans | 145.9130% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.5729% | 3,569 |
| Noncurrent loans to loans | 0.7953% | 2,972 |
| Net loans and leases to total assets | 71.2087% | 2,192 |
| Net loans and leases to deposits | 81.2312% | 2,736 |
| Net loans and leases to core deposits | 85.1641% | 2,935 |
| Total domestic deposits to total assets | 87.6617% | 1,722 |
| Equity capital to assets | 11.2758% | 2,726 |
| Core capital (leverage) ratio | 11.1333% | 2,367 |
| Tier 1 risk-based capital ratio | 14.4510% | 3,607 |
| Total risk-based capital ratio | 15.5438% | 3,601 |
| Memoranda: | ||
| Average total assets | $407,488,000 | 1,632 |
| Average earning assets | $369,775,750 | 1,657 |
| Average equity | $44,464,000 | 1,671 |
| Average total loans | $273,699,250 | 1,605 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2206% | 2,478 |
| Cost of funding earning assets | 0.1940% | 5,496 |
| Net interest margin | 4.0266% | 1,565 |
| Noninterest income to average assets | 0.3199% | 4,669 |
| Noninterest expense to average assets | 2.5851% | 3,958 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9316% | 2,725 |
| Return on assets (ROA) | 0.9509% | 2,746 |
| Pretax return on assets | 1.4124% | 1,923 |
| Return on Equity (ROE) | 8.8106% | 2,648 |
| Retained earnings to average equity (ytd only) | 4.2854% | 3,294 |
| Net charge-offs to loans | -0.0581% | 5,601 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1366% | 4,169 |
| Assets per employee ($millions) | 4.5168% | 2,956 |
| Cash dividends to net income (ytd only)* | 51.3611% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 3,569 |
| Loan loss allowance to noncurrent loans | 122.2262% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.6906% | 3,333 |
| Noncurrent loans to loans | 1.0136% | 2,619 |
| Net loans and leases to total assets | 67.2848% | 2,751 |
| Net loans and leases to deposits | 76.4266% | 3,218 |
| Net loans and leases to core deposits | 79.8267% | 3,407 |
| Total domestic deposits to total assets | 88.0383% | 1,639 |
| Equity capital to assets | 11.0032% | 2,876 |
| Core capital (leverage) ratio | 10.7813% | 2,638 |
| Tier 1 risk-based capital ratio | 14.7536% | 3,503 |
| Total risk-based capital ratio | 15.7972% | 3,535 |
| Memoranda: | ||
| Average total assets | $409,506,000 | 1,633 |
| Average earning assets | $371,085,670 | 1,657 |
| Average equity | $44,197,000 | 1,687 |
| Average total loans | $268,528,330 | 1,636 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0819% | 2,908 |
| Cost of funding earning assets | 0.2023% | 5,489 |
| Net interest margin | 3.8797% | 1,967 |
| Noninterest income to average assets | 0.3223% | 4,610 |
| Noninterest expense to average assets | 2.5127% | 4,224 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9185% | 2,658 |
| Return on assets (ROA) | 0.9185% | 2,779 |
| Pretax return on assets | 1.3367% | 2,131 |
| Return on Equity (ROE) | 8.5922% | 2,647 |
| Retained earnings to average equity (ytd only) | 6.3287% | 2,323 |
| Net charge-offs to loans | -0.0196% | 5,039 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2753% | 4,272 |
| Assets per employee ($millions) | 5.1054% | 2,223 |
| Cash dividends to net income (ytd only)* | 26.3435% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 3,627 |
| Loan loss allowance to noncurrent loans | 120.4924% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.6597% | 3,513 |
| Noncurrent loans to loans | 1.0466% | 2,671 |
| Net loans and leases to total assets | 62.2433% | 3,328 |
| Net loans and leases to deposits | 70.3417% | 3,716 |
| Net loans and leases to core deposits | 73.3787% | 3,836 |
| Total domestic deposits to total assets | 88.4871% | 1,549 |
| Equity capital to assets | 10.6496% | 3,374 |
| Core capital (leverage) ratio | 10.3770% | 3,123 |
| Tier 1 risk-based capital ratio | 15.3445% | 3,232 |
| Total risk-based capital ratio | 16.3999% | 3,276 |
| Memoranda: | ||
| Average total assets | $413,262,500 | 1,628 |
| Average earning assets | $375,703,000 | 1,645 |
| Average equity | $44,179,500 | 1,692 |
| Average total loans | $265,856,000 | 1,651 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2647% | 2,721 |
| Cost of funding earning assets | 0.2033% | 5,712 |
| Net interest margin | 4.0614% | 1,701 |
| Noninterest income to average assets | 0.3208% | 4,824 |
| Noninterest expense to average assets | 2.5452% | 4,408 |
| Loan and lease loss provision to assets | -0.2565% | 6,339 |
| Net operating income to assets | 1.1240% | 1,886 |
| Return on assets (ROA) | 1.1657% | 1,767 |
| Pretax return on assets | 1.7643% | 858 |
| Return on Equity (ROE) | 10.3071% | 1,984 |
| Retained earnings to average equity (ytd only) | 1.0092% | 5,318 |
| Net charge-offs to loans | -0.1742% | 6,238 |
| Credit loss provision to net charge-offs | 227.2727% | 1,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7912% | 4,619 |
| Assets per employee ($millions) | 4.9742% | 2,351 |
| Cash dividends to net income (ytd only)* | 90.2090% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 3,814 |
| Loan loss allowance to noncurrent loans | 116.7847% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.6924% | 3,500 |
| Noncurrent loans to loans | 1.0545% | 2,714 |
| Net loans and leases to total assets | 64.8493% | 3,080 |
| Net loans and leases to deposits | 73.5462% | 3,490 |
| Net loans and leases to core deposits | 76.6692% | 3,643 |
| Total domestic deposits to total assets | 88.1750% | 1,671 |
| Equity capital to assets | 10.7323% | 3,200 |
| Core capital (leverage) ratio | 10.4926% | 2,954 |
| Tier 1 risk-based capital ratio | 14.8988% | 3,543 |
| Total risk-based capital ratio | 15.9158% | 3,614 |
| Memoranda: | ||
| Average total assets | $389,907,800 | 1,677 |
| Average earning assets | $352,241,600 | 1,698 |
| Average equity | $44,096,000 | 1,636 |
| Average total loans | $252,580,600 | 1,674 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2741% | 2,731 |
| Cost of funding earning assets | 0.2047% | 5,782 |
| Net interest margin | 4.0694% | 1,667 |
| Noninterest income to average assets | 0.3200% | 4,873 |
| Noninterest expense to average assets | 2.5139% | 4,484 |
| Loan and lease loss provision to assets | -0.3459% | 6,490 |
| Net operating income to assets | 1.1837% | 1,743 |
| Return on assets (ROA) | 1.2412% | 1,607 |
| Pretax return on assets | 1.9127% | 695 |
| Return on Equity (ROE) | 10.8291% | 1,862 |
| Retained earnings to average equity (ytd only) | 7.8109% | 1,441 |
| Net charge-offs to loans | -0.2315% | 6,337 |
| Credit loss provision to net charge-offs | 231.4815% | 1,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9723% | 4,730 |
| Assets per employee ($millions) | 4.7934% | 2,528 |
| Cash dividends to net income (ytd only)* | 27.8707% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 3,766 |
| Loan loss allowance to noncurrent loans | 114.1128% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.7355% | 3,607 |
| Noncurrent loans to loans | 1.1197% | 2,821 |
| Net loans and leases to total assets | 64.8517% | 3,048 |
| Net loans and leases to deposits | 74.3895% | 3,388 |
| Net loans and leases to core deposits | 77.7558% | 3,559 |
| Total domestic deposits to total assets | 87.1785% | 2,215 |
| Equity capital to assets | 11.6364% | 2,369 |
| Core capital (leverage) ratio | 11.5618% | 2,012 |
| Tier 1 risk-based capital ratio | 16.2875% | 2,908 |
| Total risk-based capital ratio | 17.3309% | 2,970 |
| Memoranda: | ||
| Average total assets | $385,414,500 | 1,708 |
| Average earning assets | $347,794,000 | 1,730 |
| Average equity | $44,176,250 | 1,639 |
| Average total loans | $248,774,250 | 1,706 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3303% | 2,473 |
| Cost of funding earning assets | 0.2059% | 5,865 |
| Net interest margin | 4.1244% | 1,438 |
| Noninterest income to average assets | 0.3119% | 4,926 |
| Noninterest expense to average assets | 2.5586% | 4,386 |
| Loan and lease loss provision to assets | -0.5224% | 6,596 |
| Net operating income to assets | 1.2873% | 1,350 |
| Return on assets (ROA) | 1.3399% | 1,249 |
| Pretax return on assets | 2.0712% | 466 |
| Return on Equity (ROE) | 11.7511% | 1,498 |
| Retained earnings to average equity (ytd only) | 9.0023% | 988 |
| Net charge-offs to loans | -0.2777% | 6,414 |
| Credit loss provision to net charge-offs | 293.2551% | 875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5444% | 4,765 |
| Assets per employee ($millions) | 4.4677% | 2,971 |
| Cash dividends to net income (ytd only)* | 23.3918% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 3,960 |
| Loan loss allowance to noncurrent loans | 108.3418% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.7797% | 3,632 |
| Noncurrent loans to loans | 1.1828% | 2,864 |
| Net loans and leases to total assets | 65.0734% | 2,896 |
| Net loans and leases to deposits | 74.8767% | 3,212 |
| Net loans and leases to core deposits | 78.4849% | 3,380 |
| Total domestic deposits to total assets | 86.9074% | 2,506 |
| Equity capital to assets | 11.8718% | 2,085 |
| Core capital (leverage) ratio | 11.5592% | 1,956 |
| Tier 1 risk-based capital ratio | 16.3645% | 2,893 |
| Total risk-based capital ratio | 17.5422% | 2,879 |
| Memoranda: | ||
| Average total assets | $382,866,000 | 1,721 |
| Average earning assets | $344,825,670 | 1,738 |
| Average equity | $43,655,670 | 1,645 |
| Average total loans | $245,630,670 | 1,723 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2035% | 2,864 |
| Cost of funding earning assets | 0.2070% | 5,941 |
| Net interest margin | 3.9965% | 1,777 |
| Noninterest income to average assets | 0.3038% | 4,921 |
| Noninterest expense to average assets | 2.5680% | 4,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9116% | 2,597 |
| Return on assets (ROA) | 0.9646% | 2,408 |
| Pretax return on assets | 1.4318% | 1,637 |
| Return on Equity (ROE) | 8.6350% | 2,626 |
| Retained earnings to average equity (ytd only) | 5.8405% | 2,629 |
| Net charge-offs to loans | -0.0214% | 5,386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4989% | 4,610 |
| Assets per employee ($millions) | 4.8084% | 2,503 |
| Cash dividends to net income (ytd only)* | 32.3625% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 2,866 |
| Loan loss allowance to noncurrent loans | 125.9740% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.7626% | 3,833 |
| Noncurrent loans to loans | 1.2416% | 2,972 |
| Net loans and leases to total assets | 60.4554% | 3,484 |
| Net loans and leases to deposits | 68.5391% | 3,795 |
| Net loans and leases to core deposits | 71.9116% | 3,879 |
| Total domestic deposits to total assets | 88.2057% | 2,107 |
| Equity capital to assets | 10.7587% | 2,976 |
| Core capital (leverage) ratio | 11.1734% | 2,246 |
| Tier 1 risk-based capital ratio | 15.8064% | 3,264 |
| Total risk-based capital ratio | 17.0587% | 3,226 |
| Memoranda: | ||
| Average total assets | $384,421,000 | 1,723 |
| Average earning assets | $347,903,500 | 1,727 |
| Average equity | $42,941,500 | 1,654 |
| Average total loans | $243,282,000 | 1,737 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3809% | 2,655 |
| Cost of funding earning assets | 0.2288% | 6,112 |
| Net interest margin | 4.1521% | 1,489 |
| Noninterest income to average assets | 0.3389% | 4,897 |
| Noninterest expense to average assets | 2.6388% | 4,321 |
| Loan and lease loss provision to assets | -0.4133% | 6,720 |
| Net operating income to assets | 1.2259% | 1,466 |
| Return on assets (ROA) | 1.2491% | 1,451 |
| Pretax return on assets | 1.8741% | 642 |
| Return on Equity (ROE) | 10.9096% | 1,794 |
| Retained earnings to average equity (ytd only) | 7.2995% | 1,317 |
| Net charge-offs to loans | -0.0781% | 6,428 |
| Credit loss provision to net charge-offs | 819.6721% | 303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9176% | 4,748 |
| Assets per employee ($millions) | 4.4504% | 2,990 |
| Cash dividends to net income (ytd only)* | 33.0907% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6214% | 2,677 |
| Loan loss allowance to noncurrent loans | 122.3734% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.8659% | 3,723 |
| Noncurrent loans to loans | 1.3249% | 2,922 |
| Net loans and leases to total assets | 64.2946% | 2,993 |
| Net loans and leases to deposits | 73.7660% | 3,298 |
| Net loans and leases to core deposits | 77.7276% | 3,401 |
| Total domestic deposits to total assets | 87.1602% | 2,641 |
| Equity capital to assets | 11.6261% | 2,082 |
| Core capital (leverage) ratio | 11.5187% | 1,948 |
| Tier 1 risk-based capital ratio | 16.1043% | 3,054 |
| Total risk-based capital ratio | 17.3570% | 3,005 |
| Memoranda: | ||
| Average total assets | $362,891,600 | 1,787 |
| Average earning assets | $325,643,200 | 1,819 |
| Average equity | $41,550,600 | 1,685 |
| Average total loans | $234,259,000 | 1,763 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3549% | 2,755 |
| Cost of funding earning assets | 0.2346% | 6,193 |
| Net interest margin | 4.1203% | 1,571 |
| Noninterest income to average assets | 0.3411% | 4,967 |
| Noninterest expense to average assets | 2.5898% | 4,426 |
| Loan and lease loss provision to assets | -0.5519% | 6,838 |
| Net operating income to assets | 1.3116% | 1,319 |
| Return on assets (ROA) | 1.3422% | 1,288 |
| Pretax return on assets | 2.0394% | 531 |
| Return on Equity (ROE) | 11.7680% | 1,549 |
| Retained earnings to average equity (ytd only) | 7.8970% | 1,454 |
| Net charge-offs to loans | -0.1149% | 6,522 |
| Credit loss provision to net charge-offs | 746.2687% | 391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2479% | 4,762 |
| Assets per employee ($millions) | 4.5875% | 2,741 |
| Cash dividends to net income (ytd only)* | 32.8947% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6459% | 2,815 |
| Loan loss allowance to noncurrent loans | 95.8395% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.1352% | 3,384 |
| Noncurrent loans to loans | 1.7174% | 2,620 |
| Net loans and leases to total assets | 65.0137% | 2,797 |
| Net loans and leases to deposits | 74.7491% | 3,124 |
| Net loans and leases to core deposits | 78.7008% | 3,273 |
| Total domestic deposits to total assets | 86.9760% | 2,705 |
| Equity capital to assets | 11.7491% | 2,087 |
| Core capital (leverage) ratio | 11.5846% | 1,971 |
| Tier 1 risk-based capital ratio | 15.9559% | 3,220 |
| Total risk-based capital ratio | 17.2090% | 3,171 |
| Memoranda: | ||
| Average total assets | $362,380,500 | 1,802 |
| Average earning assets | $324,528,500 | 1,841 |
| Average equity | $41,331,250 | 1,706 |
| Average total loans | $233,198,500 | 1,763 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2839% | 3,026 |
| Cost of funding earning assets | 0.2443% | 6,215 |
| Net interest margin | 4.0396% | 1,728 |
| Noninterest income to average assets | 0.3358% | 4,999 |
| Noninterest expense to average assets | 2.6002% | 4,387 |
| Loan and lease loss provision to assets | -0.8244% | 6,906 |
| Net operating income to assets | 1.4048% | 1,070 |
| Return on assets (ROA) | 1.4499% | 1,062 |
| Pretax return on assets | 2.2468% | 387 |
| Return on Equity (ROE) | 12.8386% | 1,276 |
| Retained earnings to average equity (ytd only) | 9.4319% | 986 |
| Net charge-offs to loans | -0.0664% | 6,368 |
| Credit loss provision to net charge-offs | 1,948.0519% | 163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7723% | 4,588 |
| Assets per employee ($millions) | 4.7829% | 2,407 |
| Cash dividends to net income (ytd only)* | 26.5353% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5860% | 3,207 |
| Loan loss allowance to noncurrent loans | 80.6376% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.2691% | 3,222 |
| Noncurrent loans to loans | 1.9669% | 2,436 |
| Net loans and leases to total assets | 63.5015% | 3,005 |
| Net loans and leases to deposits | 72.5214% | 3,377 |
| Net loans and leases to core deposits | 76.3343% | 3,504 |
| Total domestic deposits to total assets | 87.5624% | 2,512 |
| Equity capital to assets | 11.3203% | 2,441 |
| Core capital (leverage) ratio | 11.3188% | 2,081 |
| Tier 1 risk-based capital ratio | 16.2788% | 3,050 |
| Total risk-based capital ratio | 17.5320% | 2,999 |
| Memoranda: | ||
| Average total assets | $363,899,670 | 1,801 |
| Average earning assets | $325,874,670 | 1,837 |
| Average equity | $41,094,670 | 1,716 |
| Average total loans | $232,089,000 | 1,772 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2920% | 2,918 |
| Cost of funding earning assets | 0.2597% | 6,224 |
| Net interest margin | 4.0323% | 1,671 |
| Noninterest income to average assets | 0.3284% | 5,075 |
| Noninterest expense to average assets | 2.6629% | 4,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8707% | 2,803 |
| Return on assets (ROA) | 0.9654% | 2,508 |
| Pretax return on assets | 1.4111% | 1,820 |
| Return on Equity (ROE) | 8.5596% | 2,681 |
| Retained earnings to average equity (ytd only) | 6.5986% | 2,369 |
| Net charge-offs to loans | -0.0052% | 5,281 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6785% | 4,378 |
| Assets per employee ($millions) | 4.4867% | 2,997 |
| Cash dividends to net income (ytd only)* | 22.9095% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2969% | 1,416 |
| Loan loss allowance to noncurrent loans | 104.9283% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.3623% | 3,231 |
| Noncurrent loans to loans | 2.1890% | 2,403 |
| Net loans and leases to total assets | 60.8058% | 3,287 |
| Net loans and leases to deposits | 69.2980% | 3,603 |
| Net loans and leases to core deposits | 73.2141% | 3,676 |
| Total domestic deposits to total assets | 87.7454% | 2,492 |
| Equity capital to assets | 11.2885% | 2,644 |
| Core capital (leverage) ratio | 11.0924% | 2,186 |
| Tier 1 risk-based capital ratio | 16.1317% | 3,190 |
| Total risk-based capital ratio | 17.3920% | 3,142 |
| Memoranda: | ||
| Average total assets | $361,706,500 | 1,828 |
| Average earning assets | $323,488,000 | 1,868 |
| Average equity | $40,796,500 | 1,750 |
| Average total loans | $229,315,500 | 1,801 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7663% | 2,337 |
| Cost of funding earning assets | 0.3119% | 6,397 |
| Net interest margin | 4.4544% | 1,036 |
| Noninterest income to average assets | 0.3695% | 4,835 |
| Noninterest expense to average assets | 2.7746% | 4,123 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0429% | 2,156 |
| Return on assets (ROA) | 1.0731% | 2,232 |
| Pretax return on assets | 1.5426% | 1,552 |
| Return on Equity (ROE) | 9.3014% | 2,483 |
| Retained earnings to average equity (ytd only) | -12.8313% | 6,722 |
| Net charge-offs to loans | 0.1212% | 4,476 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 19.0469% | 1,411 |
| Efficiency ratio | 64.9179% | 4,719 |
| Assets per employee ($millions) | 4.4999% | 2,958 |
| Cash dividends to net income (ytd only)* | 237.9502% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2336% | 1,498 |
| Loan loss allowance to noncurrent loans | 117.4129% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 1.2284% | 3,602 |
| Noncurrent loans to loans | 1.9023% | 2,802 |
| Net loans and leases to total assets | 63.1300% | 3,031 |
| Net loans and leases to deposits | 72.0318% | 3,407 |
| Net loans and leases to core deposits | 75.9595% | 3,541 |
| Total domestic deposits to total assets | 87.6418% | 2,454 |
| Equity capital to assets | 11.2692% | 2,665 |
| Core capital (leverage) ratio | 11.2122% | 2,081 |
| Tier 1 risk-based capital ratio | 15.4691% | 3,441 |
| Total risk-based capital ratio | 16.7287% | 3,399 |
| Memoranda: | ||
| Average total assets | $351,866,800 | 1,836 |
| Average earning assets | $308,438,200 | 1,919 |
| Average equity | $40,596,000 | 1,718 |
| Average total loans | $228,616,800 | 1,787 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8155% | 2,336 |
| Cost of funding earning assets | 0.3221% | 6,501 |
| Net interest margin | 4.4934% | 1,005 |
| Noninterest income to average assets | 0.3838% | 4,756 |
| Noninterest expense to average assets | 2.6930% | 4,394 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0906% | 2,126 |
| Return on assets (ROA) | 1.1300% | 2,181 |
| Pretax return on assets | 1.6727% | 1,353 |
| Return on Equity (ROE) | 9.7363% | 2,481 |
| Retained earnings to average equity (ytd only) | -19.1114% | 6,963 |
| Net charge-offs to loans | 0.1611% | 3,827 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 15.4072% | 1,762 |
| Efficiency ratio | 62.5144% | 5,069 |
| Assets per employee ($millions) | 4.1855% | 3,505 |
| Cash dividends to net income (ytd only)* | 296.2904% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2254% | 1,659 |
| Loan loss allowance to noncurrent loans | 113.1344% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 1.6907% | 3,050 |
| Noncurrent loans to loans | 1.9671% | 2,874 |
| Net loans and leases to total assets | 67.3102% | 2,404 |
| Net loans and leases to deposits | 77.2369% | 2,766 |
| Net loans and leases to core deposits | 82.0029% | 2,960 |
| Total domestic deposits to total assets | 87.1477% | 2,587 |
| Equity capital to assets | 11.7955% | 2,439 |
| Core capital (leverage) ratio | 11.1733% | 2,230 |
| Tier 1 risk-based capital ratio | 15.1441% | 3,743 |
| Total risk-based capital ratio | 16.4039% | 3,688 |
| Memoranda: | ||
| Average total assets | $349,836,250 | 1,870 |
| Average earning assets | $305,506,500 | 1,953 |
| Average equity | $40,603,000 | 1,736 |
| Average total loans | $227,657,750 | 1,803 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8344% | 2,359 |
| Cost of funding earning assets | 0.3278% | 6,608 |
| Net interest margin | 4.5066% | 982 |
| Noninterest income to average assets | 0.3746% | 4,840 |
| Noninterest expense to average assets | 2.6635% | 4,562 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0843% | 2,109 |
| Return on assets (ROA) | 1.1419% | 2,125 |
| Pretax return on assets | 1.7027% | 1,247 |
| Return on Equity (ROE) | 9.8904% | 2,405 |
| Retained earnings to average equity (ytd only) | -32.1854% | 7,109 |
| Net charge-offs to loans | 0.1710% | 3,575 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 14.8031% | 1,688 |
| Efficiency ratio | 62.2290% | 5,210 |
| Assets per employee ($millions) | 4.2594% | 3,340 |
| Cash dividends to net income (ytd only)* | 425.4212% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3471% | 1,507 |
| Loan loss allowance to noncurrent loans | 122.6691% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 1.6828% | 3,197 |
| Noncurrent loans to loans | 1.9133% | 3,057 |
| Net loans and leases to total assets | 63.6250% | 3,121 |
| Net loans and leases to deposits | 72.4905% | 3,538 |
| Net loans and leases to core deposits | 76.8212% | 3,679 |
| Total domestic deposits to total assets | 87.7701% | 2,299 |
| Equity capital to assets | 11.2877% | 2,804 |
| Core capital (leverage) ratio | 10.9986% | 2,293 |
| Tier 1 risk-based capital ratio | 15.1295% | 3,677 |
| Total risk-based capital ratio | 16.3902% | 3,639 |
| Memoranda: | ||
| Average total assets | $353,438,670 | 1,857 |
| Average earning assets | $306,306,000 | 1,944 |
| Average equity | $40,807,330 | 1,713 |
| Average total loans | $225,745,330 | 1,811 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8753% | 2,337 |
| Cost of funding earning assets | 0.3302% | 6,728 |
| Net interest margin | 4.5452% | 931 |
| Noninterest income to average assets | 0.3668% | 4,935 |
| Noninterest expense to average assets | 2.6406% | 4,663 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0885% | 2,146 |
| Return on assets (ROA) | 1.1095% | 2,223 |
| Pretax return on assets | 1.6530% | 1,426 |
| Return on Equity (ROE) | 9.5067% | 2,601 |
| Retained earnings to average equity (ytd only) | -70.8498% | 7,247 |
| Net charge-offs to loans | -0.0053% | 5,800 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9522% | 5,285 |
| Assets per employee ($millions) | 4.3138% | 3,368 |
| Cash dividends to net income (ytd only)* | 845.2621% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4599% | 1,413 |
| Loan loss allowance to noncurrent loans | 95.1156% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 1.9730% | 2,944 |
| Noncurrent loans to loans | 2.5863% | 2,520 |
| Net loans and leases to total assets | 62.0947% | 3,237 |
| Net loans and leases to deposits | 70.3913% | 3,673 |
| Net loans and leases to core deposits | 74.6802% | 3,804 |
| Total domestic deposits to total assets | 88.2136% | 2,180 |
| Equity capital to assets | 10.8797% | 3,051 |
| Core capital (leverage) ratio | 10.5572% | 2,688 |
| Tier 1 risk-based capital ratio | 14.9466% | 3,792 |
| Total risk-based capital ratio | 16.2086% | 3,745 |
| Memoranda: | ||
| Average total assets | $357,651,000 | 1,849 |
| Average earning assets | $306,523,000 | 1,946 |
| Average equity | $41,739,000 | 1,661 |
| Average total loans | $226,222,500 | 1,817 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1422% | 2,280 |
| Cost of funding earning assets | 0.5104% | 6,482 |
| Net interest margin | 4.6318% | 863 |
| Noninterest income to average assets | 0.3641% | 4,901 |
| Noninterest expense to average assets | 2.7829% | 4,408 |
| Loan and lease loss provision to assets | 0.1734% | 4,463 |
| Net operating income to assets | 0.9662% | 2,337 |
| Return on assets (ROA) | 1.0207% | 2,272 |
| Pretax return on assets | 1.5645% | 1,293 |
| Return on Equity (ROE) | 8.1202% | 2,851 |
| Retained earnings to average equity (ytd only) | 6.7408% | 1,619 |
| Net charge-offs to loans | 0.7810% | 2,205 |
| Credit loss provision to net charge-offs | 32.7869% | 5,748 |
| Earnings coverage of net charge-offs (x) | 3.1279% | 3,647 |
| Efficiency ratio | 62.7198% | 5,349 |
| Assets per employee ($millions) | 4.5735% | 2,793 |
| Cash dividends to net income (ytd only)* | 16.9875% | 3,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3778% | 1,498 |
| Loan loss allowance to noncurrent loans | 96.8650% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.8550% | 3,182 |
| Noncurrent loans to loans | 2.4548% | 2,677 |
| Net loans and leases to total assets | 61.3675% | 3,719 |
| Net loans and leases to deposits | 71.0515% | 3,942 |
| Net loans and leases to core deposits | 75.4022% | 4,057 |
| Total domestic deposits to total assets | 86.3704% | 3,099 |
| Equity capital to assets | 12.4254% | 1,841 |
| Core capital (leverage) ratio | 13.1115% | 1,099 |
| Tier 1 risk-based capital ratio | 17.6085% | 2,342 |
| Total risk-based capital ratio | 18.8698% | 2,306 |
| Memoranda: | ||
| Average total assets | $346,044,400 | 1,873 |
| Average earning assets | $304,284,800 | 1,928 |
| Average equity | $43,496,200 | 1,553 |
| Average total loans | $234,302,800 | 1,786 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1524% | 2,378 |
| Cost of funding earning assets | 0.5532% | 6,502 |
| Net interest margin | 4.5992% | 946 |
| Noninterest income to average assets | 0.3690% | 4,920 |
| Noninterest expense to average assets | 2.7996% | 4,346 |
| Loan and lease loss provision to assets | 0.1466% | 4,616 |
| Net operating income to assets | 0.9954% | 2,341 |
| Return on assets (ROA) | 1.0320% | 2,365 |
| Pretax return on assets | 1.5867% | 1,421 |
| Return on Equity (ROE) | 8.1849% | 2,971 |
| Retained earnings to average equity (ytd only) | 6.3247% | 2,350 |
| Net charge-offs to loans | 0.8412% | 1,895 |
| Credit loss provision to net charge-offs | 25.2525% | 5,483 |
| Earnings coverage of net charge-offs (x) | 2.8889% | 3,696 |
| Efficiency ratio | 62.5393% | 5,325 |
| Assets per employee ($millions) | 4.1971% | 3,448 |
| Cash dividends to net income (ytd only)* | 22.7273% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4024% | 1,535 |
| Loan loss allowance to noncurrent loans | 74.3218% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 2.2120% | 2,883 |
| Noncurrent loans to loans | 3.2324% | 2,144 |
| Net loans and leases to total assets | 66.7878% | 2,718 |
| Net loans and leases to deposits | 78.2879% | 2,924 |
| Net loans and leases to core deposits | 84.0514% | 3,062 |
| Total domestic deposits to total assets | 85.3104% | 3,611 |
| Equity capital to assets | 13.1394% | 1,542 |
| Core capital (leverage) ratio | 12.6342% | 1,374 |
| Tier 1 risk-based capital ratio | 17.4706% | 2,455 |
| Total risk-based capital ratio | 18.7335% | 2,422 |
| Memoranda: | ||
| Average total assets | $341,085,250 | 1,909 |
| Average earning assets | $304,624,250 | 1,937 |
| Average equity | $43,004,750 | 1,571 |
| Average total loans | $235,378,250 | 1,795 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1030% | 2,670 |
| Cost of funding earning assets | 0.5541% | 6,646 |
| Net interest margin | 4.5489% | 1,015 |
| Noninterest income to average assets | 0.3631% | 4,970 |
| Noninterest expense to average assets | 2.7611% | 4,587 |
| Loan and lease loss provision to assets | 0.1318% | 4,647 |
| Net operating income to assets | 1.0031% | 2,217 |
| Return on assets (ROA) | 1.0174% | 2,248 |
| Pretax return on assets | 1.5457% | 1,385 |
| Return on Equity (ROE) | 8.1837% | 2,862 |
| Retained earnings to average equity (ytd only) | 6.7703% | 1,980 |
| Net charge-offs to loans | -0.0914% | 7,144 |
| Credit loss provision to net charge-offs | -208.3333% | 6,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5116% | 5,500 |
| Assets per employee ($millions) | 4.2332% | 3,292 |
| Cash dividends to net income (ytd only)* | 17.2712% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9415% | 943 |
| Loan loss allowance to noncurrent loans | 78.9048% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 2.6316% | 2,534 |
| Noncurrent loans to loans | 3.7279% | 1,884 |
| Net loans and leases to total assets | 68.5156% | 2,514 |
| Net loans and leases to deposits | 80.0224% | 2,793 |
| Net loans and leases to core deposits | 88.6201% | 2,548 |
| Total domestic deposits to total assets | 85.6206% | 3,543 |
| Equity capital to assets | 12.8844% | 1,580 |
| Core capital (leverage) ratio | 12.5295% | 1,344 |
| Tier 1 risk-based capital ratio | 16.5718% | 2,708 |
| Total risk-based capital ratio | 17.8399% | 2,652 |
| Memoranda: | ||
| Average total assets | $341,459,670 | 1,912 |
| Average earning assets | $304,290,330 | 1,948 |
| Average equity | $42,450,000 | 1,576 |
| Average total loans | $236,290,330 | 1,811 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0648% | 2,799 |
| Cost of funding earning assets | 0.5580% | 6,772 |
| Net interest margin | 4.5068% | 1,056 |
| Noninterest income to average assets | 0.3628% | 5,011 |
| Noninterest expense to average assets | 2.7976% | 4,453 |
| Loan and lease loss provision to assets | 0.2625% | 3,037 |
| Net operating income to assets | 0.8791% | 2,668 |
| Return on assets (ROA) | 0.8890% | 2,686 |
| Pretax return on assets | 1.3603% | 1,845 |
| Return on Equity (ROE) | 7.2818% | 3,252 |
| Retained earnings to average equity (ytd only) | 4.4149% | 3,527 |
| Net charge-offs to loans | -0.0119% | 6,413 |
| Credit loss provision to net charge-offs | -3,214.2857% | 6,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5064% | 5,442 |
| Assets per employee ($millions) | 4.5313% | 2,833 |
| Cash dividends to net income (ytd only)* | 39.3701% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0292% | 895 |
| Loan loss allowance to noncurrent loans | 96.4649% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 2.0863% | 3,213 |
| Noncurrent loans to loans | 3.1403% | 2,395 |
| Net loans and leases to total assets | 64.4261% | 3,368 |
| Net loans and leases to deposits | 74.7082% | 3,649 |
| Net loans and leases to core deposits | 83.6426% | 3,218 |
| Total domestic deposits to total assets | 86.2371% | 3,374 |
| Equity capital to assets | 12.2231% | 1,779 |
| Core capital (leverage) ratio | 12.1619% | 1,471 |
| Tier 1 risk-based capital ratio | 16.8753% | 2,523 |
| Total risk-based capital ratio | 18.1443% | 2,486 |
| Memoranda: | ||
| Average total assets | $342,861,000 | 1,915 |
| Average earning assets | $307,536,000 | 1,937 |
| Average equity | $41,858,000 | 1,587 |
| Average total loans | $234,903,000 | 1,833 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3475% | 2,908 |
| Cost of funding earning assets | 0.8260% | 6,459 |
| Net interest margin | 4.5215% | 1,181 |
| Noninterest income to average assets | 0.3773% | 5,080 |
| Noninterest expense to average assets | 2.7129% | 4,933 |
| Loan and lease loss provision to assets | 0.6001% | 2,737 |
| Net operating income to assets | 0.7336% | 3,080 |
| Return on assets (ROA) | 0.7403% | 3,171 |
| Pretax return on assets | 1.0887% | 2,616 |
| Return on Equity (ROE) | 6.2169% | 3,505 |
| Retained earnings to average equity (ytd only) | 4.3978% | 2,776 |
| Net charge-offs to loans | 0.6496% | 3,062 |
| Credit loss provision to net charge-offs | 129.5828% | 3,076 |
| Earnings coverage of net charge-offs (x) | 3.6252% | 3,269 |
| Efficiency ratio | 61.7718% | 5,767 |
| Assets per employee ($millions) | 4.3762% | 3,072 |
| Cash dividends to net income (ytd only)* | 29.2606% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7796% | 1,080 |
| Loan loss allowance to noncurrent loans | 98.1970% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 1.9986% | 3,348 |
| Noncurrent loans to loans | 2.8307% | 2,687 |
| Net loans and leases to total assets | 68.6424% | 2,827 |
| Net loans and leases to deposits | 79.5821% | 3,246 |
| Net loans and leases to core deposits | 87.5572% | 3,110 |
| Total domestic deposits to total assets | 86.2536% | 3,228 |
| Equity capital to assets | 12.1937% | 1,796 |
| Core capital (leverage) ratio | 12.0291% | 1,526 |
| Tier 1 risk-based capital ratio | 16.1495% | 2,675 |
| Total risk-based capital ratio | 17.4163% | 2,628 |
| Memoranda: | ||
| Average total assets | $341,596,400 | 1,913 |
| Average earning assets | $303,283,000 | 1,962 |
| Average equity | $40,679,600 | 1,630 |
| Average total loans | $243,520,400 | 1,799 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3842% | 2,952 |
| Cost of funding earning assets | 0.8873% | 6,447 |
| Net interest margin | 4.4969% | 1,264 |
| Noninterest income to average assets | 0.3742% | 5,158 |
| Noninterest expense to average assets | 2.7079% | 4,849 |
| Loan and lease loss provision to assets | 0.7024% | 2,184 |
| Net operating income to assets | 0.6517% | 3,638 |
| Return on assets (ROA) | 0.6544% | 3,796 |
| Pretax return on assets | 0.9452% | 3,385 |
| Return on Equity (ROE) | 5.5285% | 4,028 |
| Retained earnings to average equity (ytd only) | 3.0890% | 4,273 |
| Net charge-offs to loans | 0.8645% | 2,284 |
| Credit loss provision to net charge-offs | 113.7081% | 3,683 |
| Earnings coverage of net charge-offs (x) | 2.6608% | 3,821 |
| Efficiency ratio | 62.2276% | 5,583 |
| Assets per employee ($millions) | 4.2768% | 3,299 |
| Cash dividends to net income (ytd only)* | 44.1264% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6638% | 1,123 |
| Loan loss allowance to noncurrent loans | 109.5481% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 1.7203% | 3,864 |
| Noncurrent loans to loans | 2.4316% | 3,200 |
| Net loans and leases to total assets | 68.8633% | 3,017 |
| Net loans and leases to deposits | 79.6502% | 3,512 |
| Net loans and leases to core deposits | 90.9537% | 2,961 |
| Total domestic deposits to total assets | 86.4571% | 2,821 |
| Equity capital to assets | 12.0835% | 2,102 |
| Core capital (leverage) ratio | 11.7149% | 1,808 |
| Tier 1 risk-based capital ratio | 15.7531% | 2,881 |
| Total risk-based capital ratio | 17.0186% | 2,830 |
| Memoranda: | ||
| Average total assets | $341,660,500 | 1,939 |
| Average earning assets | $302,185,750 | 1,999 |
| Average equity | $40,444,000 | 1,645 |
| Average total loans | $244,149,750 | 1,816 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3925% | 3,007 |
| Cost of funding earning assets | 0.9349% | 6,441 |
| Net interest margin | 4.4576% | 1,299 |
| Noninterest income to average assets | 0.3613% | 5,259 |
| Noninterest expense to average assets | 2.7953% | 4,500 |
| Loan and lease loss provision to assets | 0.7321% | 1,982 |
| Net operating income to assets | 0.5437% | 4,124 |
| Return on assets (ROA) | 0.5441% | 4,268 |
| Pretax return on assets | 0.7660% | 4,000 |
| Return on Equity (ROE) | 4.6283% | 4,474 |
| Retained earnings to average equity (ytd only) | 2.6853% | 4,434 |
| Net charge-offs to loans | 0.0335% | 5,883 |
| Credit loss provision to net charge-offs | 3,048.7805% | 135 |
| Earnings coverage of net charge-offs (x) | 62.3659% | 496 |
| Efficiency ratio | 65.1160% | 5,129 |
| Assets per employee ($millions) | 4.2490% | 3,303 |
| Cash dividends to net income (ytd only)* | 41.9806% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9577% | 854 |
| Loan loss allowance to noncurrent loans | 110.9951% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 1.9719% | 3,527 |
| Noncurrent loans to loans | 2.6647% | 2,975 |
| Net loans and leases to total assets | 71.8121% | 2,455 |
| Net loans and leases to deposits | 83.0405% | 3,068 |
| Net loans and leases to core deposits | 93.3462% | 2,809 |
| Total domestic deposits to total assets | 86.4784% | 2,832 |
| Equity capital to assets | 11.9630% | 2,117 |
| Core capital (leverage) ratio | 11.7558% | 1,770 |
| Tier 1 risk-based capital ratio | 14.9581% | 3,170 |
| Total risk-based capital ratio | 16.2269% | 3,131 |
| Memoranda: | ||
| Average total assets | $341,499,670 | 1,952 |
| Average earning assets | $301,195,330 | 2,019 |
| Average equity | $40,144,330 | 1,657 |
| Average total loans | $244,846,670 | 1,841 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3157% | 3,468 |
| Cost of funding earning assets | 0.9475% | 6,590 |
| Net interest margin | 4.3682% | 1,480 |
| Noninterest income to average assets | 0.3377% | 5,440 |
| Noninterest expense to average assets | 2.8911% | 4,095 |
| Loan and lease loss provision to assets | 0.7012% | 1,815 |
| Net operating income to assets | 0.4137% | 4,778 |
| Return on assets (ROA) | 0.4137% | 4,921 |
| Pretax return on assets | 0.5598% | 4,754 |
| Return on Equity (ROE) | 3.5503% | 5,092 |
| Retained earnings to average equity (ytd only) | -0.3610% | 5,912 |
| Net charge-offs to loans | 0.0149% | 5,376 |
| Credit loss provision to net charge-offs | 6,666.6667% | 69 |
| Earnings coverage of net charge-offs (x) | 119.8889% | 274 |
| Efficiency ratio | 69.6313% | 4,391 |
| Assets per employee ($millions) | 4.3061% | 3,279 |
| Cash dividends to net income (ytd only)* | 110.1695% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8197% | 964 |
| Loan loss allowance to noncurrent loans | 95.4126% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 2.0756% | 3,418 |
| Noncurrent loans to loans | 2.9553% | 2,721 |
| Net loans and leases to total assets | 68.2518% | 3,321 |
| Net loans and leases to deposits | 78.7507% | 3,891 |
| Net loans and leases to core deposits | 89.7301% | 3,400 |
| Total domestic deposits to total assets | 86.6683% | 2,807 |
| Equity capital to assets | 11.5880% | 2,302 |
| Core capital (leverage) ratio | 11.6219% | 1,845 |
| Tier 1 risk-based capital ratio | 15.0421% | 3,103 |
| Total risk-based capital ratio | 16.3088% | 3,044 |
| Memoranda: | ||
| Average total assets | $342,288,000 | 2,003 |
| Average earning assets | $298,888,500 | 2,084 |
| Average equity | $39,884,000 | 1,682 |
| Average total loans | $241,497,000 | 1,912 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8763% | 2,344 |
| Cost of funding earning assets | 1.3741% | 6,041 |
| Net interest margin | 4.5022% | 1,175 |
| Noninterest income to average assets | 0.4974% | 4,434 |
| Noninterest expense to average assets | 2.8077% | 4,953 |
| Loan and lease loss provision to assets | 2.1560% | 971 |
| Net operating income to assets | -0.1396% | 5,745 |
| Return on assets (ROA) | -0.0576% | 5,622 |
| Pretax return on assets | -0.3428% | 5,872 |
| Return on Equity (ROE) | -0.4734% | 5,617 |
| Retained earnings to average equity (ytd only) | -1.3594% | 5,360 |
| Net charge-offs to loans | 1.6854% | 1,495 |
| Credit loss provision to net charge-offs | 174.4331% | 2,413 |
| Earnings coverage of net charge-offs (x) | 1.3633% | 4,768 |
| Efficiency ratio | 62.4940% | 6,057 |
| Assets per employee ($millions) | 4.4168% | 3,072 |
| Cash dividends to net income (ytd only)* | -187.1658% | 7,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5849% | 1,131 |
| Loan loss allowance to noncurrent loans | 84.6143% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 2.1653% | 3,182 |
| Noncurrent loans to loans | 3.0549% | 2,515 |
| Net loans and leases to total assets | 69.0473% | 3,477 |
| Net loans and leases to deposits | 79.7809% | 4,036 |
| Net loans and leases to core deposits | 97.4062% | 4,297 |
| Total domestic deposits to total assets | 86.5462% | 2,734 |
| Equity capital to assets | 11.7172% | 2,177 |
| Core capital (leverage) ratio | 11.4026% | 1,969 |
| Tier 1 risk-based capital ratio | 14.7564% | 3,072 |
| Total risk-based capital ratio | 16.0197% | 3,019 |
| Memoranda: | ||
| Average total assets | $324,673,800 | 2,087 |
| Average earning assets | $288,123,400 | 2,135 |
| Average equity | $39,503,400 | 1,703 |
| Average total loans | $238,105,600 | 1,970 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9073% | 2,420 |
| Cost of funding earning assets | 1.4054% | 6,208 |
| Net interest margin | 4.5019% | 1,190 |
| Noninterest income to average assets | 0.5394% | 4,162 |
| Noninterest expense to average assets | 2.8210% | 4,812 |
| Loan and lease loss provision to assets | 0.8312% | 2,301 |
| Net operating income to assets | 0.7008% | 3,206 |
| Return on assets (ROA) | 0.7535% | 3,071 |
| Pretax return on assets | 1.0032% | 2,896 |
| Return on Equity (ROE) | 6.1326% | 3,475 |
| Retained earnings to average equity (ytd only) | 5.6252% | 2,145 |
| Net charge-offs to loans | 0.0972% | 5,701 |
| Credit loss provision to net charge-offs | 1,156.0694% | 329 |
| Earnings coverage of net charge-offs (x) | 24.5377% | 1,086 |
| Efficiency ratio | 61.5245% | 6,191 |
| Assets per employee ($millions) | 4.4009% | 3,031 |
| Cash dividends to net income (ytd only)* | 8.2738% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1111% | 1,581 |
| Loan loss allowance to noncurrent loans | 68.0580% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 2.1706% | 3,132 |
| Noncurrent loans to loans | 3.1019% | 2,433 |
| Net loans and leases to total assets | 68.4988% | 3,847 |
| Net loans and leases to deposits | 79.7392% | 4,432 |
| Net loans and leases to core deposits | 96.7582% | 4,732 |
| Total domestic deposits to total assets | 85.9035% | 2,746 |
| Equity capital to assets | 12.3664% | 2,024 |
| Core capital (leverage) ratio | 12.5347% | 1,568 |
| Tier 1 risk-based capital ratio | 15.5527% | 2,791 |
| Total risk-based capital ratio | 16.8107% | 2,728 |
| Memoranda: | ||
| Average total assets | $320,819,750 | 2,118 |
| Average earning assets | $288,315,000 | 2,151 |
| Average equity | $39,417,000 | 1,724 |
| Average total loans | $237,368,500 | 2,000 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8826% | 2,663 |
| Cost of funding earning assets | 1.4572% | 6,300 |
| Net interest margin | 4.4254% | 1,351 |
| Noninterest income to average assets | 0.6115% | 3,591 |
| Noninterest expense to average assets | 2.9074% | 4,476 |
| Loan and lease loss provision to assets | 0.8936% | 1,891 |
| Net operating income to assets | 0.6975% | 3,264 |
| Return on assets (ROA) | 0.6996% | 3,365 |
| Pretax return on assets | 0.8489% | 3,516 |
| Return on Equity (ROE) | 5.7074% | 3,783 |
| Retained earnings to average equity (ytd only) | 4.9263% | 2,553 |
| Net charge-offs to loans | 0.1463% | 4,718 |
| Credit loss provision to net charge-offs | 809.2486% | 583 |
| Earnings coverage of net charge-offs (x) | 15.7572% | 1,576 |
| Efficiency ratio | 62.5601% | 6,158 |
| Assets per employee ($millions) | 4.2075% | 3,285 |
| Cash dividends to net income (ytd only)* | 13.6861% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 1,982 |
| Loan loss allowance to noncurrent loans | 59.1950% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 2.5814% | 2,493 |
| Noncurrent loans to loans | 3.0793% | 2,330 |
| Net loans and leases to total assets | 74.3297% | 2,614 |
| Net loans and leases to deposits | 88.8582% | 3,022 |
| Net loans and leases to core deposits | 107.6828% | 3,643 |
| Total domestic deposits to total assets | 83.6498% | 3,943 |
| Equity capital to assets | 12.7778% | 1,800 |
| Core capital (leverage) ratio | 13.2089% | 1,367 |
| Tier 1 risk-based capital ratio | 15.1639% | 2,955 |
| Total risk-based capital ratio | 16.4188% | 2,889 |
| Memoranda: | ||
| Average total assets | $313,336,670 | 2,179 |
| Average earning assets | $285,757,670 | 2,191 |
| Average equity | $38,406,000 | 1,777 |
| Average total loans | $236,422,670 | 2,034 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9628% | 2,508 |
| Cost of funding earning assets | 1.5828% | 6,103 |
| Net interest margin | 4.3800% | 1,394 |
| Noninterest income to average assets | 0.4039% | 5,186 |
| Noninterest expense to average assets | 3.0791% | 3,457 |
| Loan and lease loss provision to assets | 0.5195% | 2,389 |
| Net operating income to assets | 0.5885% | 4,064 |
| Return on assets (ROA) | 0.5922% | 4,247 |
| Pretax return on assets | 0.8389% | 3,936 |
| Return on Equity (ROE) | 4.9417% | 4,496 |
| Retained earnings to average equity (ytd only) | 4.9417% | 3,161 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4697% | 4,684 |
| Assets per employee ($millions) | 4.0270% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5574% | 2,693 |
| Loan loss allowance to noncurrent loans | 116.6773% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 1.0075% | 4,678 |
| Noncurrent loans to loans | 1.3348% | 4,314 |
| Net loans and leases to total assets | 74.3034% | 2,680 |
| Net loans and leases to deposits | 88.2221% | 3,251 |
| Net loans and leases to core deposits | 109.5781% | 3,488 |
| Total domestic deposits to total assets | 84.2231% | 3,590 |
| Equity capital to assets | 13.2140% | 1,651 |
| Core capital (leverage) ratio | 13.1770% | 1,426 |
| Tier 1 risk-based capital ratio | 15.3755% | 2,905 |
| Total risk-based capital ratio | 16.6273% | 2,837 |
| Memoranda: | ||
| Average total assets | $308,016,500 | 2,225 |
| Average earning assets | $283,288,500 | 2,224 |
| Average equity | $36,910,500 | 1,855 |
| Average total loans | $231,993,000 | 2,080 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5244% | 2,845 |
| Cost of funding earning assets | 2.0098% | 6,381 |
| Net interest margin | 4.5146% | 1,387 |
| Noninterest income to average assets | 0.3886% | 5,572 |
| Noninterest expense to average assets | 2.9093% | 4,416 |
| Loan and lease loss provision to assets | 0.5370% | 2,681 |
| Net operating income to assets | 0.7491% | 3,677 |
| Return on assets (ROA) | 0.7598% | 3,460 |
| Pretax return on assets | 1.1041% | 3,012 |
| Return on Equity (ROE) | 7.1313% | 3,458 |
| Retained earnings to average equity (ytd only) | 3.9814% | 2,656 |
| Net charge-offs to loans | 0.0518% | 6,050 |
| Credit loss provision to net charge-offs | 1,415.9292% | 320 |
| Earnings coverage of net charge-offs (x) | 42.8673% | 862 |
| Efficiency ratio | 64.0938% | 5,536 |
| Assets per employee ($millions) | 3.8728% | 3,802 |
| Cash dividends to net income (ytd only)* | 44.1696% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4108% | 3,136 |
| Loan loss allowance to noncurrent loans | 65.7479% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 1.6127% | 3,022 |
| Noncurrent loans to loans | 2.1458% | 2,570 |
| Net loans and leases to total assets | 74.0954% | 3,078 |
| Net loans and leases to deposits | 88.0271% | 3,800 |
| Net loans and leases to core deposits | 109.7020% | 3,803 |
| Total domestic deposits to total assets | 84.1734% | 3,230 |
| Equity capital to assets | 10.7360% | 3,265 |
| Core capital (leverage) ratio | 10.7866% | 2,755 |
| Tier 1 risk-based capital ratio | 12.6407% | 4,329 |
| Total risk-based capital ratio | 13.8908% | 4,248 |
| Memoranda: | ||
| Average total assets | $297,973,200 | 2,213 |
| Average earning assets | $273,664,800 | 2,205 |
| Average equity | $31,747,400 | 2,130 |
| Average total loans | $218,074,000 | 2,147 |