Home > West Texas State Bank > Performance and Condition Ratios
West Texas State Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5717% | 2,825 |
| Cost of funding earning assets | 0.1851% | 5,064 |
| Net interest margin | 4.3865% | 977 |
| Noninterest income to average assets | 0.8273% | 1,337 |
| Noninterest expense to average assets | 2.8921% | 2,287 |
| Loan and lease loss provision to assets | -0.1150% | 5,174 |
| Net operating income to assets | 2.1175% | 310 |
| Return on assets (ROA) | 1.9317% | 474 |
| Pretax return on assets | 1.9317% | 803 |
| Return on Equity (ROE) | 15.8808% | 626 |
| Retained earnings to average equity (ytd only) | 10.6945% | 583 |
| Net charge-offs to loans | -0.2379% | 5,133 |
| Credit loss provision to net charge-offs | 99.1892% | 2,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9594% | 3,806 |
| Assets per employee ($millions) | 4.5882% | 3,067 |
| Cash dividends to net income (ytd only)* | 32.6577% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9201% | 544 |
| Loan loss allowance to noncurrent loans | 1,310.5442% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 4,375 |
| Noncurrent loans to loans | 0.1465% | 4,015 |
| Net loans and leases to total assets | 45.6328% | 4,622 |
| Net loans and leases to deposits | 52.5253% | 4,687 |
| Net loans and leases to core deposits | 53.3268% | 4,766 |
| Total domestic deposits to total assets | 86.8779% | 1,582 |
| Equity capital to assets | 12.9148% | 1,678 |
| Core capital (leverage) ratio | 12.9962% | 1,346 |
| Tier 1 risk-based capital ratio | 22.1216% | 1,052 |
| Total risk-based capital ratio | 23.3753% | 1,023 |
| Memoranda: | ||
| Average total assets | $425,653,000 | 1,654 |
| Average earning assets | $394,683,250 | 1,656 |
| Average equity | $51,776,250 | 1,551 |
| Average total loans | $207,366,250 | 2,125 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5555% | 2,824 |
| Cost of funding earning assets | 0.1904% | 5,093 |
| Net interest margin | 4.3652% | 1,008 |
| Noninterest income to average assets | 0.5545% | 2,368 |
| Noninterest expense to average assets | 3.0115% | 1,976 |
| Loan and lease loss provision to assets | 0.0142% | 3,493 |
| Net operating income to assets | 1.5867% | 940 |
| Return on assets (ROA) | 1.3068% | 1,809 |
| Pretax return on assets | 1.3068% | 2,541 |
| Return on Equity (ROE) | 10.9710% | 1,987 |
| Retained earnings to average equity (ytd only) | 2.9914% | 3,720 |
| Net charge-offs to loans | -0.2796% | 5,178 |
| Credit loss provision to net charge-offs | -10.2389% | 3,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1489% | 2,955 |
| Assets per employee ($millions) | 4.3811% | 3,315 |
| Cash dividends to net income (ytd only)* | 72.7338% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0377% | 444 |
| Loan loss allowance to noncurrent loans | 961.5207% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 4,252 |
| Noncurrent loans to loans | 0.2119% | 3,782 |
| Net loans and leases to total assets | 46.7261% | 4,616 |
| Net loans and leases to deposits | 53.3336% | 4,705 |
| Net loans and leases to core deposits | 54.1427% | 4,777 |
| Total domestic deposits to total assets | 87.6110% | 1,280 |
| Equity capital to assets | 12.1668% | 2,071 |
| Core capital (leverage) ratio | 12.1129% | 1,749 |
| Tier 1 risk-based capital ratio | 21.0731% | 1,167 |
| Total risk-based capital ratio | 22.3286% | 1,154 |
| Memoranda: | ||
| Average total assets | $423,774,670 | 1,664 |
| Average earning assets | $393,938,330 | 1,659 |
| Average equity | $50,478,330 | 1,577 |
| Average total loans | $209,601,000 | 2,111 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4991% | 2,869 |
| Cost of funding earning assets | 0.1826% | 5,151 |
| Net interest margin | 4.3165% | 1,067 |
| Noninterest income to average assets | 0.7031% | 1,604 |
| Noninterest expense to average assets | 3.0718% | 1,799 |
| Loan and lease loss provision to assets | 0.0285% | 3,041 |
| Net operating income to assets | 1.6010% | 892 |
| Return on assets (ROA) | 1.6010% | 923 |
| Pretax return on assets | 1.6010% | 1,469 |
| Return on Equity (ROE) | 13.5891% | 1,059 |
| Retained earnings to average equity (ytd only) | -2.6533% | 4,795 |
| Net charge-offs to loans | -0.2981% | 5,216 |
| Credit loss provision to net charge-offs | -18.9873% | 3,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1981% | 3,062 |
| Assets per employee ($millions) | 4.5644% | 3,096 |
| Cash dividends to net income (ytd only)* | 119.5252% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9219% | 575 |
| Loan loss allowance to noncurrent loans | 598.2222% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 4,015 |
| Noncurrent loans to loans | 0.3213% | 3,420 |
| Net loans and leases to total assets | 48.5444% | 4,551 |
| Net loans and leases to deposits | 55.1398% | 4,639 |
| Net loans and leases to core deposits | 56.0567% | 4,715 |
| Total domestic deposits to total assets | 88.0388% | 1,320 |
| Equity capital to assets | 11.7115% | 2,223 |
| Core capital (leverage) ratio | 12.0082% | 1,764 |
| Tier 1 risk-based capital ratio | 18.8904% | 1,567 |
| Total risk-based capital ratio | 20.1434% | 1,534 |
| Memoranda: | ||
| Average total assets | $420,988,500 | 1,680 |
| Average earning assets | $389,947,000 | 1,680 |
| Average equity | $49,598,500 | 1,591 |
| Average total loans | $212,006,500 | 2,121 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5367% | 2,343 |
| Cost of funding earning assets | 0.1367% | 5,212 |
| Net interest margin | 4.4000% | 942 |
| Noninterest income to average assets | 0.4164% | 3,335 |
| Noninterest expense to average assets | 3.1162% | 1,755 |
| Loan and lease loss provision to assets | 0.0530% | 3,124 |
| Net operating income to assets | 1.3075% | 1,759 |
| Return on assets (ROA) | 1.2565% | 1,951 |
| Pretax return on assets | 1.2565% | 2,672 |
| Return on Equity (ROE) | 11.1606% | 2,019 |
| Retained earnings to average equity (ytd only) | 11.1606% | 409 |
| Net charge-offs to loans | 0.3917% | 478 |
| Credit loss provision to net charge-offs | 26.4106% | 3,371 |
| Earnings coverage of net charge-offs (x) | 6.7851% | 3,053 |
| Efficiency ratio | 69.4645% | 2,292 |
| Assets per employee ($millions) | 4.3946% | 3,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7998% | 679 |
| Loan loss allowance to noncurrent loans | 444.0600% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 3,790 |
| Noncurrent loans to loans | 0.4053% | 3,077 |
| Net loans and leases to total assets | 50.3151% | 4,498 |
| Net loans and leases to deposits | 57.2676% | 4,606 |
| Net loans and leases to core deposits | 58.1471% | 4,698 |
| Total domestic deposits to total assets | 87.8596% | 1,366 |
| Equity capital to assets | 11.8525% | 1,994 |
| Core capital (leverage) ratio | 12.0381% | 1,712 |
| Tier 1 risk-based capital ratio | 18.6939% | 1,574 |
| Total risk-based capital ratio | 19.9458% | 1,532 |
| Memoranda: | ||
| Average total assets | $415,448,200 | 1,650 |
| Average earning assets | $383,362,800 | 1,659 |
| Average equity | $46,771,800 | 1,606 |
| Average total loans | $212,658,000 | 2,077 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5265% | 2,204 |
| Cost of funding earning assets | 0.1258% | 5,286 |
| Net interest margin | 4.4007% | 897 |
| Noninterest income to average assets | 0.4103% | 3,420 |
| Noninterest expense to average assets | 3.0574% | 1,865 |
| Loan and lease loss provision to assets | 0.0611% | 2,756 |
| Net operating income to assets | 1.3489% | 1,666 |
| Return on assets (ROA) | 1.2991% | 1,864 |
| Pretax return on assets | 1.2991% | 2,633 |
| Return on Equity (ROE) | 11.6946% | 1,909 |
| Retained earnings to average equity (ytd only) | 11.6946% | 524 |
| Net charge-offs to loans | 0.6348% | 227 |
| Credit loss provision to net charge-offs | 18.7933% | 3,025 |
| Earnings coverage of net charge-offs (x) | 4.3402% | 3,074 |
| Efficiency ratio | 68.2946% | 2,484 |
| Assets per employee ($millions) | 4.4298% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6613% | 945 |
| Loan loss allowance to noncurrent loans | 254.1521% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 3,325 |
| Noncurrent loans to loans | 0.6537% | 2,448 |
| Net loans and leases to total assets | 50.6931% | 4,547 |
| Net loans and leases to deposits | 57.2900% | 4,683 |
| Net loans and leases to core deposits | 58.1290% | 4,783 |
| Total domestic deposits to total assets | 88.4851% | 1,052 |
| Equity capital to assets | 11.2638% | 2,419 |
| Core capital (leverage) ratio | 11.5523% | 2,136 |
| Tier 1 risk-based capital ratio | 17.6996% | 1,869 |
| Total risk-based capital ratio | 18.9500% | 1,828 |
| Memoranda: | ||
| Average total assets | $414,938,000 | 1,655 |
| Average earning assets | $382,534,750 | 1,668 |
| Average equity | $46,094,000 | 1,627 |
| Average total loans | $212,345,000 | 2,088 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1563% | 3,257 |
| Cost of funding earning assets | 0.1095% | 5,380 |
| Net interest margin | 4.0469% | 1,704 |
| Noninterest income to average assets | 0.4233% | 3,330 |
| Noninterest expense to average assets | 3.0931% | 1,808 |
| Loan and lease loss provision to assets | 0.0292% | 3,326 |
| Net operating income to assets | 1.0202% | 2,924 |
| Return on assets (ROA) | 0.9448% | 3,261 |
| Pretax return on assets | 0.9448% | 3,824 |
| Return on Equity (ROE) | 8.5466% | 3,236 |
| Retained earnings to average equity (ytd only) | 8.5466% | 1,383 |
| Net charge-offs to loans | 0.7036% | 207 |
| Credit loss provision to net charge-offs | 8.1191% | 2,736 |
| Earnings coverage of net charge-offs (x) | 2.9215% | 2,933 |
| Efficiency ratio | 74.5043% | 1,638 |
| Assets per employee ($millions) | 4.3709% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7750% | 788 |
| Loan loss allowance to noncurrent loans | 114.0790% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.7905% | 1,899 |
| Noncurrent loans to loans | 1.5559% | 1,058 |
| Net loans and leases to total assets | 49.9049% | 4,614 |
| Net loans and leases to deposits | 56.2001% | 4,743 |
| Net loans and leases to core deposits | 59.1558% | 4,743 |
| Total domestic deposits to total assets | 88.7985% | 1,016 |
| Equity capital to assets | 10.9913% | 2,649 |
| Core capital (leverage) ratio | 11.4336% | 2,128 |
| Tier 1 risk-based capital ratio | 17.1691% | 2,041 |
| Total risk-based capital ratio | 18.4201% | 1,990 |
| Memoranda: | ||
| Average total assets | $411,495,670 | 1,669 |
| Average earning assets | $378,169,670 | 1,694 |
| Average equity | $45,491,670 | 1,655 |
| Average total loans | $210,052,670 | 2,103 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9230% | 3,865 |
| Cost of funding earning assets | 0.1106% | 5,430 |
| Net interest margin | 3.8124% | 2,372 |
| Noninterest income to average assets | 0.4329% | 3,221 |
| Noninterest expense to average assets | 3.1367% | 1,723 |
| Loan and lease loss provision to assets | 0.0295% | 3,127 |
| Net operating income to assets | 0.7864% | 3,769 |
| Return on assets (ROA) | 0.6342% | 4,335 |
| Pretax return on assets | 0.6342% | 4,600 |
| Return on Equity (ROE) | 5.7197% | 4,248 |
| Retained earnings to average equity (ytd only) | 5.7197% | 2,845 |
| Net charge-offs to loans | -0.2149% | 5,391 |
| Credit loss provision to net charge-offs | -26.7857% | 3,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1853% | 1,234 |
| Assets per employee ($millions) | 4.2922% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1881% | 399 |
| Loan loss allowance to noncurrent loans | 63.2294% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 1.7493% | 712 |
| Noncurrent loans to loans | 3.4605% | 303 |
| Net loans and leases to total assets | 49.4425% | 4,600 |
| Net loans and leases to deposits | 55.7624% | 4,708 |
| Net loans and leases to core deposits | 59.3195% | 4,687 |
| Total domestic deposits to total assets | 88.6665% | 1,274 |
| Equity capital to assets | 10.8354% | 2,733 |
| Core capital (leverage) ratio | 11.3322% | 2,137 |
| Tier 1 risk-based capital ratio | 16.7155% | 2,208 |
| Total risk-based capital ratio | 17.9704% | 2,150 |
| Memoranda: | ||
| Average total assets | $407,440,500 | 1,704 |
| Average earning assets | $376,139,000 | 1,717 |
| Average equity | $45,177,500 | 1,672 |
| Average total loans | $208,485,000 | 2,131 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6561% | 4,436 |
| Cost of funding earning assets | 0.0842% | 5,541 |
| Net interest margin | 3.5720% | 3,259 |
| Noninterest income to average assets | 0.4465% | 3,334 |
| Noninterest expense to average assets | 2.9085% | 2,424 |
| Loan and lease loss provision to assets | 0.0317% | 3,636 |
| Net operating income to assets | 0.8078% | 3,124 |
| Return on assets (ROA) | 0.7591% | 3,389 |
| Pretax return on assets | 0.7591% | 4,366 |
| Return on Equity (ROE) | 6.8487% | 3,353 |
| Retained earnings to average equity (ytd only) | 6.8487% | 1,140 |
| Net charge-offs to loans | 1.9492% | 71 |
| Credit loss provision to net charge-offs | 3.0622% | 3,698 |
| Earnings coverage of net charge-offs (x) | 0.8116% | 3,959 |
| Efficiency ratio | 77.4202% | 1,430 |
| Assets per employee ($millions) | 3.9853% | 3,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1611% | 399 |
| Loan loss allowance to noncurrent loans | 36.5460% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 3.0642% | 258 |
| Noncurrent loans to loans | 5.9135% | 92 |
| Net loans and leases to total assets | 50.6982% | 4,611 |
| Net loans and leases to deposits | 57.2490% | 4,735 |
| Net loans and leases to core deposits | 61.1584% | 4,701 |
| Total domestic deposits to total assets | 88.5573% | 1,222 |
| Equity capital to assets | 11.3521% | 2,328 |
| Core capital (leverage) ratio | 11.1798% | 2,171 |
| Tier 1 risk-based capital ratio | 16.9880% | 2,103 |
| Total risk-based capital ratio | 18.2429% | 2,045 |
| Memoranda: | ||
| Average total assets | $394,666,200 | 1,724 |
| Average earning assets | $364,784,400 | 1,738 |
| Average equity | $43,745,400 | 1,698 |
| Average total loans | $209,424,200 | 2,082 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5610% | 4,655 |
| Cost of funding earning assets | 0.0780% | 5,622 |
| Net interest margin | 3.4830% | 3,559 |
| Noninterest income to average assets | 0.4348% | 3,438 |
| Noninterest expense to average assets | 2.9233% | 2,327 |
| Loan and lease loss provision to assets | 0.0169% | 3,807 |
| Net operating income to assets | 0.7176% | 3,887 |
| Return on assets (ROA) | 0.7010% | 4,037 |
| Pretax return on assets | 0.7010% | 4,607 |
| Return on Equity (ROE) | 6.3635% | 3,960 |
| Retained earnings to average equity (ytd only) | 6.3635% | 2,026 |
| Net charge-offs to loans | 1.7942% | 82 |
| Credit loss provision to net charge-offs | 1.7680% | 3,264 |
| Earnings coverage of net charge-offs (x) | 0.7670% | 3,636 |
| Efficiency ratio | 79.8167% | 1,127 |
| Assets per employee ($millions) | 4.1568% | 3,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7153% | 204 |
| Loan loss allowance to noncurrent loans | 38.8556% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 3.5291% | 211 |
| Noncurrent loans to loans | 6.9881% | 72 |
| Net loans and leases to total assets | 49.1301% | 4,761 |
| Net loans and leases to deposits | 55.1901% | 4,911 |
| Net loans and leases to core deposits | 57.6978% | 4,926 |
| Total domestic deposits to total assets | 89.0196% | 876 |
| Equity capital to assets | 10.8137% | 3,050 |
| Core capital (leverage) ratio | 11.1481% | 2,325 |
| Tier 1 risk-based capital ratio | 16.0909% | 2,464 |
| Total risk-based capital ratio | 17.3503% | 2,403 |
| Memoranda: | ||
| Average total assets | $393,699,500 | 1,743 |
| Average earning assets | $364,311,250 | 1,748 |
| Average equity | $43,371,250 | 1,728 |
| Average total loans | $210,152,250 | 2,082 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2229% | 5,205 |
| Cost of funding earning assets | 0.0781% | 5,660 |
| Net interest margin | 3.1448% | 4,561 |
| Noninterest income to average assets | 0.7082% | 1,950 |
| Noninterest expense to average assets | 2.9673% | 2,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6468% | 4,099 |
| Return on assets (ROA) | 0.6200% | 4,264 |
| Pretax return on assets | 0.6200% | 4,761 |
| Return on Equity (ROE) | 5.5720% | 4,235 |
| Retained earnings to average equity (ytd only) | 5.5720% | 2,370 |
| Net charge-offs to loans | 2.7289% | 50 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 0.4357% | 3,377 |
| Efficiency ratio | 82.1036% | 997 |
| Assets per employee ($millions) | 4.1151% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5777% | 261 |
| Loan loss allowance to noncurrent loans | 39.3944% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 3.6497% | 203 |
| Noncurrent loans to loans | 6.5434% | 82 |
| Net loans and leases to total assets | 53.5770% | 4,432 |
| Net loans and leases to deposits | 60.5742% | 4,586 |
| Net loans and leases to core deposits | 64.2104% | 4,585 |
| Total domestic deposits to total assets | 88.4486% | 1,232 |
| Equity capital to assets | 11.3747% | 2,437 |
| Core capital (leverage) ratio | 11.3527% | 2,085 |
| Tier 1 risk-based capital ratio | 14.5593% | 3,131 |
| Total risk-based capital ratio | 15.8164% | 3,046 |
| Memoranda: | ||
| Average total assets | $387,757,330 | 1,768 |
| Average earning assets | $358,306,000 | 1,773 |
| Average equity | $43,144,330 | 1,736 |
| Average total loans | $210,927,670 | 2,083 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3868% | 4,954 |
| Cost of funding earning assets | 0.0719% | 5,739 |
| Net interest margin | 3.3149% | 3,958 |
| Noninterest income to average assets | 0.4268% | 3,467 |
| Noninterest expense to average assets | 2.9811% | 2,211 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5024% | 4,581 |
| Return on assets (ROA) | 0.4071% | 4,949 |
| Pretax return on assets | 0.4071% | 5,150 |
| Return on Equity (ROE) | 3.7003% | 4,884 |
| Retained earnings to average equity (ytd only) | 3.7003% | 3,593 |
| Net charge-offs to loans | -0.4251% | 5,728 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5784% | 838 |
| Assets per employee ($millions) | 4.2749% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1969% | 71 |
| Loan loss allowance to noncurrent loans | 53.0901% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 4.3147% | 161 |
| Noncurrent loans to loans | 7.9053% | 64 |
| Net loans and leases to total assets | 50.7099% | 4,611 |
| Net loans and leases to deposits | 57.1481% | 4,753 |
| Net loans and leases to core deposits | 60.5767% | 4,746 |
| Total domestic deposits to total assets | 88.7342% | 1,298 |
| Equity capital to assets | 10.9782% | 2,646 |
| Core capital (leverage) ratio | 11.1976% | 2,190 |
| Tier 1 risk-based capital ratio | 14.8794% | 3,026 |
| Total risk-based capital ratio | 16.1514% | 2,940 |
| Memoranda: | ||
| Average total assets | $386,167,000 | 1,790 |
| Average earning assets | $356,088,000 | 1,797 |
| Average equity | $42,482,500 | 1,759 |
| Average total loans | $208,894,000 | 2,108 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6367% | 4,417 |
| Cost of funding earning assets | 0.0663% | 5,810 |
| Net interest margin | 3.5704% | 3,183 |
| Noninterest income to average assets | 0.9524% | 1,257 |
| Noninterest expense to average assets | 2.6838% | 3,393 |
| Loan and lease loss provision to assets | 1.3543% | 69 |
| Net operating income to assets | 0.2304% | 5,350 |
| Return on assets (ROA) | 0.2341% | 5,416 |
| Pretax return on assets | 0.2341% | 5,450 |
| Return on Equity (ROE) | 2.1742% | 5,364 |
| Retained earnings to average equity (ytd only) | 0.9308% | 4,948 |
| Net charge-offs to loans | 2.0442% | 68 |
| Credit loss provision to net charge-offs | 107.5644% | 2,432 |
| Earnings coverage of net charge-offs (x) | 1.2586% | 4,014 |
| Efficiency ratio | 62.7183% | 4,147 |
| Assets per employee ($millions) | 4.3069% | 3,424 |
| Cash dividends to net income (ytd only)* | 57.1885% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9740% | 78 |
| Loan loss allowance to noncurrent loans | 46.9656% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 4.8532% | 128 |
| Noncurrent loans to loans | 8.4616% | 47 |
| Net loans and leases to total assets | 53.0777% | 4,517 |
| Net loans and leases to deposits | 59.7421% | 4,690 |
| Net loans and leases to core deposits | 64.1540% | 4,627 |
| Total domestic deposits to total assets | 88.8447% | 1,180 |
| Equity capital to assets | 11.0243% | 2,615 |
| Core capital (leverage) ratio | 10.8393% | 2,497 |
| Tier 1 risk-based capital ratio | 14.5589% | 3,173 |
| Total risk-based capital ratio | 15.8293% | 3,096 |
| Memoranda: | ||
| Average total assets | $401,105,800 | 1,677 |
| Average earning assets | $372,536,200 | 1,670 |
| Average equity | $43,188,600 | 1,718 |
| Average total loans | $247,036,800 | 1,804 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6918% | 4,277 |
| Cost of funding earning assets | 0.0647% | 5,880 |
| Net interest margin | 3.6271% | 2,979 |
| Noninterest income to average assets | 1.1885% | 819 |
| Noninterest expense to average assets | 2.5795% | 3,734 |
| Loan and lease loss provision to assets | 1.7858% | 46 |
| Net operating income to assets | 0.1956% | 5,469 |
| Return on assets (ROA) | 0.2005% | 5,526 |
| Pretax return on assets | 0.2005% | 5,568 |
| Return on Equity (ROE) | 1.8731% | 5,495 |
| Retained earnings to average equity (ytd only) | 0.2242% | 5,290 |
| Net charge-offs to loans | 1.0971% | 149 |
| Credit loss provision to net charge-offs | 258.0523% | 1,171 |
| Earnings coverage of net charge-offs (x) | 2.8632% | 3,503 |
| Efficiency ratio | 56.4117% | 5,016 |
| Assets per employee ($millions) | 4.3146% | 3,393 |
| Cash dividends to net income (ytd only)* | 88.0329% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7156% | 47 |
| Loan loss allowance to noncurrent loans | 51.7202% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 5.6903% | 108 |
| Noncurrent loans to loans | 9.1175% | 46 |
| Net loans and leases to total assets | 58.4882% | 4,050 |
| Net loans and leases to deposits | 65.7359% | 4,370 |
| Net loans and leases to core deposits | 69.5629% | 4,357 |
| Total domestic deposits to total assets | 88.9746% | 923 |
| Equity capital to assets | 10.8412% | 3,210 |
| Core capital (leverage) ratio | 10.7522% | 2,727 |
| Tier 1 risk-based capital ratio | 13.0792% | 4,114 |
| Total risk-based capital ratio | 14.3576% | 4,004 |
| Memoranda: | ||
| Average total assets | $405,553,000 | 1,663 |
| Average earning assets | $377,081,500 | 1,648 |
| Average equity | $43,421,250 | 1,719 |
| Average total loans | $255,827,000 | 1,764 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7059% | 4,284 |
| Cost of funding earning assets | 0.0630% | 5,963 |
| Net interest margin | 3.6429% | 2,925 |
| Noninterest income to average assets | 0.4411% | 3,582 |
| Noninterest expense to average assets | 2.5345% | 3,929 |
| Loan and lease loss provision to assets | 0.5675% | 205 |
| Net operating income to assets | 0.7241% | 3,678 |
| Return on assets (ROA) | 1.6396% | 698 |
| Pretax return on assets | 1.6396% | 1,257 |
| Return on Equity (ROE) | 15.3753% | 627 |
| Retained earnings to average equity (ytd only) | 12.9180% | 239 |
| Net charge-offs to loans | 1.0937% | 158 |
| Credit loss provision to net charge-offs | 81.5568% | 2,349 |
| Earnings coverage of net charge-offs (x) | 1.8562% | 3,359 |
| Efficiency ratio | 66.0630% | 3,677 |
| Assets per employee ($millions) | 4.4848% | 3,059 |
| Cash dividends to net income (ytd only)* | 15.9821% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9656% | 206 |
| Loan loss allowance to noncurrent loans | 239.1572% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.8145% | 2,551 |
| Noncurrent loans to loans | 1.2400% | 1,853 |
| Net loans and leases to total assets | 63.7358% | 3,407 |
| Net loans and leases to deposits | 72.0335% | 3,785 |
| Net loans and leases to core deposits | 75.6624% | 3,850 |
| Total domestic deposits to total assets | 88.4808% | 1,174 |
| Equity capital to assets | 11.3599% | 2,686 |
| Core capital (leverage) ratio | 10.8852% | 2,549 |
| Tier 1 risk-based capital ratio | 13.1636% | 4,099 |
| Total risk-based capital ratio | 14.4267% | 4,012 |
| Memoranda: | ||
| Average total assets | $409,860,330 | 1,649 |
| Average earning assets | $380,855,330 | 1,641 |
| Average equity | $43,706,330 | 1,707 |
| Average total loans | $260,766,670 | 1,730 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7583% | 4,107 |
| Cost of funding earning assets | 0.0623% | 6,023 |
| Net interest margin | 3.6960% | 2,682 |
| Noninterest income to average assets | 0.4248% | 3,648 |
| Noninterest expense to average assets | 2.5211% | 4,008 |
| Loan and lease loss provision to assets | 0.9759% | 95 |
| Net operating income to assets | 0.3564% | 5,121 |
| Return on assets (ROA) | 2.1637% | 257 |
| Pretax return on assets | 2.1637% | 409 |
| Return on Equity (ROE) | 20.9476% | 193 |
| Retained earnings to average equity (ytd only) | 15.9578% | 194 |
| Net charge-offs to loans | 0.7583% | 268 |
| Credit loss provision to net charge-offs | 205.4767% | 1,059 |
| Earnings coverage of net charge-offs (x) | 2.8053% | 2,631 |
| Efficiency ratio | 65.3000% | 3,922 |
| Assets per employee ($millions) | 4.7263% | 2,702 |
| Cash dividends to net income (ytd only)* | 23.8201% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2393% | 178 |
| Loan loss allowance to noncurrent loans | 20,873.1707% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 5,636 |
| Noncurrent loans to loans | 0.0155% | 5,456 |
| Net loans and leases to total assets | 62.1696% | 3,501 |
| Net loans and leases to deposits | 69.6934% | 3,883 |
| Net loans and leases to core deposits | 73.4145% | 3,947 |
| Total domestic deposits to total assets | 89.2045% | 998 |
| Equity capital to assets | 10.6812% | 3,278 |
| Core capital (leverage) ratio | 10.7424% | 2,680 |
| Tier 1 risk-based capital ratio | 12.7637% | 4,421 |
| Total risk-based capital ratio | 14.0295% | 4,318 |
| Memoranda: | ||
| Average total assets | $415,215,000 | 1,633 |
| Average earning assets | $385,170,500 | 1,627 |
| Average equity | $42,888,000 | 1,734 |
| Average total loans | $260,061,500 | 1,730 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3691% | 5,227 |
| Cost of funding earning assets | 0.0581% | 6,094 |
| Net interest margin | 3.3111% | 4,250 |
| Noninterest income to average assets | 0.4192% | 3,903 |
| Noninterest expense to average assets | 2.2982% | 4,792 |
| Loan and lease loss provision to assets | 0.8179% | 116 |
| Net operating income to assets | 0.3895% | 5,088 |
| Return on assets (ROA) | 0.4443% | 4,987 |
| Pretax return on assets | 0.4443% | 5,240 |
| Return on Equity (ROE) | 4.5431% | 4,722 |
| Retained earnings to average equity (ytd only) | -1.9339% | 5,745 |
| Net charge-offs to loans | 0.5032% | 521 |
| Credit loss provision to net charge-offs | 302.9118% | 976 |
| Earnings coverage of net charge-offs (x) | 4.4717% | 3,556 |
| Efficiency ratio | 65.3851% | 4,010 |
| Assets per employee ($millions) | 4.9322% | 2,439 |
| Cash dividends to net income (ytd only)* | 142.5683% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1407% | 193 |
| Loan loss allowance to noncurrent loans | 803,800.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.9639% | 2,266 |
| Noncurrent loans to loans | 0.0004% | 5,581 |
| Net loans and leases to total assets | 59.1288% | 3,953 |
| Net loans and leases to deposits | 66.1267% | 4,307 |
| Net loans and leases to core deposits | 69.5774% | 4,330 |
| Total domestic deposits to total assets | 89.4175% | 904 |
| Equity capital to assets | 9.9838% | 3,977 |
| Core capital (leverage) ratio | 9.9194% | 3,620 |
| Tier 1 risk-based capital ratio | 12.4096% | 4,694 |
| Total risk-based capital ratio | 13.6738% | 4,576 |
| Memoranda: | ||
| Average total assets | $445,176,600 | 1,504 |
| Average earning assets | $414,973,200 | 1,485 |
| Average equity | $43,538,200 | 1,688 |
| Average total loans | $238,868,200 | 1,809 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3008% | 5,405 |
| Cost of funding earning assets | 0.0572% | 6,181 |
| Net interest margin | 3.2436% | 4,547 |
| Noninterest income to average assets | 0.4015% | 4,072 |
| Noninterest expense to average assets | 2.1978% | 5,059 |
| Loan and lease loss provision to assets | 0.0148% | 3,973 |
| Net operating income to assets | 1.2204% | 1,586 |
| Return on assets (ROA) | 1.2968% | 1,405 |
| Pretax return on assets | 1.2968% | 2,414 |
| Return on Equity (ROE) | 13.3243% | 1,055 |
| Retained earnings to average equity (ytd only) | 6.3998% | 2,017 |
| Net charge-offs to loans | 0.4342% | 585 |
| Credit loss provision to net charge-offs | 6.5445% | 3,477 |
| Earnings coverage of net charge-offs (x) | 5.4764% | 3,198 |
| Efficiency ratio | 63.8490% | 4,276 |
| Assets per employee ($millions) | 4.8588% | 2,473 |
| Cash dividends to net income (ytd only)* | 51.9689% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9635% | 969 |
| Loan loss allowance to noncurrent loans | 1,078.3664% | 536 |
| Noncurrent assets plus other real estate owned to assets | 1.0508% | 2,253 |
| Noncurrent loans to loans | 0.1821% | 4,918 |
| Net loans and leases to total assets | 57.0457% | 4,240 |
| Net loans and leases to deposits | 64.1490% | 4,546 |
| Net loans and leases to core deposits | 67.3549% | 4,599 |
| Total domestic deposits to total assets | 88.9270% | 1,062 |
| Equity capital to assets | 10.4979% | 3,607 |
| Core capital (leverage) ratio | 10.5134% | 3,031 |
| Tier 1 risk-based capital ratio | 12.6455% | 4,651 |
| Total risk-based capital ratio | 13.8971% | 4,557 |
| Memoranda: | ||
| Average total assets | $451,661,000 | 1,491 |
| Average earning assets | $422,107,250 | 1,479 |
| Average equity | $43,958,750 | 1,688 |
| Average total loans | $234,603,000 | 1,846 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2426% | 5,549 |
| Cost of funding earning assets | 0.0562% | 6,257 |
| Net interest margin | 3.1864% | 4,704 |
| Noninterest income to average assets | 0.3903% | 4,151 |
| Noninterest expense to average assets | 2.1262% | 5,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2478% | 1,471 |
| Return on assets (ROA) | 1.3631% | 1,201 |
| Pretax return on assets | 1.3631% | 2,135 |
| Return on Equity (ROE) | 14.3552% | 840 |
| Retained earnings to average equity (ytd only) | 6.9737% | 1,715 |
| Net charge-offs to loans | 0.2802% | 941 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 8.9068% | 2,516 |
| Efficiency ratio | 62.8369% | 4,541 |
| Assets per employee ($millions) | 4.7958% | 2,548 |
| Cash dividends to net income (ytd only)* | 51.4204% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1781% | 762 |
| Loan loss allowance to noncurrent loans | 363.1796% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 1.2450% | 2,024 |
| Noncurrent loans to loans | 0.5997% | 3,668 |
| Net loans and leases to total assets | 53.7140% | 4,585 |
| Net loans and leases to deposits | 60.0406% | 4,847 |
| Net loans and leases to core deposits | 63.0812% | 4,869 |
| Total domestic deposits to total assets | 89.4628% | 914 |
| Equity capital to assets | 10.0658% | 3,960 |
| Core capital (leverage) ratio | 9.6240% | 4,107 |
| Tier 1 risk-based capital ratio | 11.9397% | 5,187 |
| Total risk-based capital ratio | 13.1918% | 5,087 |
| Memoranda: | ||
| Average total assets | $459,691,000 | 1,475 |
| Average earning assets | $430,453,330 | 1,458 |
| Average equity | $43,649,670 | 1,705 |
| Average total loans | $229,872,000 | 1,885 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0484% | 5,843 |
| Cost of funding earning assets | 0.0553% | 6,334 |
| Net interest margin | 2.9931% | 5,235 |
| Noninterest income to average assets | 0.3813% | 4,156 |
| Noninterest expense to average assets | 2.0336% | 5,515 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1644% | 1,652 |
| Return on assets (ROA) | 1.1644% | 1,758 |
| Pretax return on assets | 1.1644% | 2,818 |
| Return on Equity (ROE) | 12.6189% | 1,185 |
| Retained earnings to average equity (ytd only) | 1.4422% | 4,907 |
| Net charge-offs to loans | 0.0089% | 3,032 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 273.0000% | 211 |
| Efficiency ratio | 63.4036% | 4,572 |
| Assets per employee ($millions) | 5.3910% | 1,897 |
| Cash dividends to net income (ytd only)* | 88.5714% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4461% | 571 |
| Loan loss allowance to noncurrent loans | 573.7436% | 888 |
| Noncurrent assets plus other real estate owned to assets | 1.0571% | 2,505 |
| Noncurrent loans to loans | 0.4263% | 4,317 |
| Net loans and leases to total assets | 47.0258% | 5,117 |
| Net loans and leases to deposits | 51.9720% | 5,336 |
| Net loans and leases to core deposits | 54.5746% | 5,340 |
| Total domestic deposits to total assets | 90.4829% | 536 |
| Equity capital to assets | 9.1716% | 5,123 |
| Core capital (leverage) ratio | 8.9242% | 5,046 |
| Tier 1 risk-based capital ratio | 12.1593% | 5,144 |
| Total risk-based capital ratio | 13.4134% | 5,042 |
| Memoranda: | ||
| Average total assets | $468,927,500 | 1,453 |
| Average earning assets | $441,284,500 | 1,425 |
| Average equity | $43,268,500 | 1,719 |
| Average total loans | $223,671,500 | 1,923 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8453% | 6,176 |
| Cost of funding earning assets | 0.0635% | 6,415 |
| Net interest margin | 2.7818% | 5,836 |
| Noninterest income to average assets | 0.7254% | 2,189 |
| Noninterest expense to average assets | 2.2484% | 5,248 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0672% | 2,098 |
| Return on assets (ROA) | 1.3227% | 1,299 |
| Pretax return on assets | 1.3227% | 2,169 |
| Return on Equity (ROE) | 13.6526% | 1,005 |
| Retained earnings to average equity (ytd only) | 11.0519% | 374 |
| Net charge-offs to loans | -0.4443% | 6,379 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6219% | 3,959 |
| Assets per employee ($millions) | 5.6518% | 1,650 |
| Cash dividends to net income (ytd only)* | 19.0493% | 3,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5607% | 510 |
| Loan loss allowance to noncurrent loans | 24,343.4783% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.8767% | 3,014 |
| Noncurrent loans to loans | 0.0105% | 5,874 |
| Net loans and leases to total assets | 45.9720% | 5,324 |
| Net loans and leases to deposits | 50.9079% | 5,538 |
| Net loans and leases to core deposits | 53.5338% | 5,527 |
| Total domestic deposits to total assets | 90.3044% | 612 |
| Equity capital to assets | 9.2839% | 4,966 |
| Core capital (leverage) ratio | 9.0419% | 4,924 |
| Tier 1 risk-based capital ratio | 13.1288% | 4,638 |
| Total risk-based capital ratio | 14.3846% | 4,556 |
| Memoranda: | ||
| Average total assets | $426,249,800 | 1,560 |
| Average earning assets | $396,905,200 | 1,540 |
| Average equity | $41,296,200 | 1,734 |
| Average total loans | $183,888,000 | 2,185 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8038% | 6,280 |
| Cost of funding earning assets | 0.0651% | 6,494 |
| Net interest margin | 2.7387% | 5,959 |
| Noninterest income to average assets | 0.7834% | 1,951 |
| Noninterest expense to average assets | 2.0107% | 5,756 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3143% | 1,330 |
| Return on assets (ROA) | 1.6104% | 766 |
| Pretax return on assets | 1.6104% | 1,297 |
| Return on Equity (ROE) | 16.4314% | 625 |
| Retained earnings to average equity (ytd only) | 14.6793% | 221 |
| Net charge-offs to loans | -0.6286% | 6,481 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2808% | 5,141 |
| Assets per employee ($millions) | 5.9265% | 1,386 |
| Cash dividends to net income (ytd only)* | 10.6632% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8608% | 415 |
| Loan loss allowance to noncurrent loans | 560,900.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.8742% | 3,244 |
| Noncurrent loans to loans | 0.0005% | 6,059 |
| Net loans and leases to total assets | 41.2007% | 5,734 |
| Net loans and leases to deposits | 45.5302% | 5,896 |
| Net loans and leases to core deposits | 47.9165% | 5,887 |
| Total domestic deposits to total assets | 90.4908% | 529 |
| Equity capital to assets | 9.3612% | 4,961 |
| Core capital (leverage) ratio | 9.6486% | 4,155 |
| Tier 1 risk-based capital ratio | 14.0187% | 4,200 |
| Total risk-based capital ratio | 15.2718% | 4,134 |
| Memoranda: | ||
| Average total assets | $416,951,000 | 1,601 |
| Average earning assets | $386,934,750 | 1,583 |
| Average equity | $40,863,750 | 1,754 |
| Average total loans | $175,196,500 | 2,290 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7969% | 6,340 |
| Cost of funding earning assets | 0.0641% | 6,561 |
| Net interest margin | 2.7328% | 6,009 |
| Noninterest income to average assets | 0.4056% | 4,206 |
| Noninterest expense to average assets | 2.0495% | 5,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9008% | 2,795 |
| Return on assets (ROA) | 1.3448% | 1,240 |
| Pretax return on assets | 1.3448% | 2,100 |
| Return on Equity (ROE) | 13.4897% | 1,056 |
| Retained earnings to average equity (ytd only) | 13.4897% | 295 |
| Net charge-offs to loans | -1.0128% | 6,575 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2308% | 3,792 |
| Assets per employee ($millions) | 5.1886% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1782% | 316 |
| Loan loss allowance to noncurrent loans | 208.6264% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 2.0698% | 1,524 |
| Noncurrent loans to loans | 1.5234% | 2,282 |
| Net loans and leases to total assets | 41.8802% | 5,686 |
| Net loans and leases to deposits | 46.6923% | 5,845 |
| Net loans and leases to core deposits | 49.4475% | 5,828 |
| Total domestic deposits to total assets | 89.6941% | 970 |
| Equity capital to assets | 10.1586% | 3,891 |
| Core capital (leverage) ratio | 9.9475% | 3,688 |
| Tier 1 risk-based capital ratio | 14.8163% | 3,745 |
| Total risk-based capital ratio | 16.0763% | 3,676 |
| Memoranda: | ||
| Average total assets | $401,845,000 | 1,653 |
| Average earning assets | $374,193,330 | 1,625 |
| Average equity | $40,060,330 | 1,779 |
| Average total loans | $168,239,670 | 2,353 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8073% | 6,395 |
| Cost of funding earning assets | 0.0658% | 6,635 |
| Net interest margin | 2.7414% | 6,043 |
| Noninterest income to average assets | 0.4052% | 4,147 |
| Noninterest expense to average assets | 2.0492% | 5,788 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9110% | 2,600 |
| Return on assets (ROA) | 1.5444% | 775 |
| Pretax return on assets | 1.5444% | 1,303 |
| Return on Equity (ROE) | 15.6453% | 685 |
| Retained earnings to average equity (ytd only) | 15.6453% | 292 |
| Net charge-offs to loans | -2.0964% | 6,662 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9878% | 4,005 |
| Assets per employee ($millions) | 4.9870% | 2,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4161% | 285 |
| Loan loss allowance to noncurrent loans | 1,139.3939% | 462 |
| Noncurrent assets plus other real estate owned to assets | 1.5562% | 2,266 |
| Noncurrent loans to loans | 0.2998% | 5,216 |
| Net loans and leases to total assets | 39.4759% | 5,845 |
| Net loans and leases to deposits | 43.8837% | 5,982 |
| Net loans and leases to core deposits | 46.3911% | 5,966 |
| Total domestic deposits to total assets | 89.9558% | 1,093 |
| Equity capital to assets | 9.9273% | 3,928 |
| Core capital (leverage) ratio | 9.6626% | 4,043 |
| Tier 1 risk-based capital ratio | 16.0094% | 3,167 |
| Total risk-based capital ratio | 17.2718% | 3,114 |
| Memoranda: | ||
| Average total assets | $397,817,500 | 1,676 |
| Average earning assets | $370,753,500 | 1,647 |
| Average equity | $39,270,500 | 1,797 |
| Average total loans | $163,708,500 | 2,413 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3699% | 5,896 |
| Cost of funding earning assets | 0.1014% | 6,670 |
| Net interest margin | 3.2685% | 4,780 |
| Noninterest income to average assets | 0.3594% | 4,730 |
| Noninterest expense to average assets | 2.1068% | 5,817 |
| Loan and lease loss provision to assets | 0.2623% | 1,355 |
| Net operating income to assets | 1.0678% | 2,047 |
| Return on assets (ROA) | 1.6871% | 605 |
| Pretax return on assets | 1.6871% | 982 |
| Return on Equity (ROE) | 17.5281% | 452 |
| Retained earnings to average equity (ytd only) | 8.4016% | 931 |
| Net charge-offs to loans | 0.0560% | 4,446 |
| Credit loss provision to net charge-offs | 1,041.6667% | 246 |
| Earnings coverage of net charge-offs (x) | 52.8229% | 762 |
| Efficiency ratio | 61.0929% | 5,347 |
| Assets per employee ($millions) | 4.8357% | 2,395 |
| Cash dividends to net income (ytd only)* | 52.0678% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9461% | 505 |
| Loan loss allowance to noncurrent loans | 3,166.8874% | 199 |
| Noncurrent assets plus other real estate owned to assets | 1.5295% | 2,430 |
| Noncurrent loans to loans | 0.0930% | 5,934 |
| Net loans and leases to total assets | 40.2191% | 5,944 |
| Net loans and leases to deposits | 44.6894% | 6,088 |
| Net loans and leases to core deposits | 47.3948% | 6,069 |
| Total domestic deposits to total assets | 89.9969% | 1,081 |
| Equity capital to assets | 9.8139% | 4,017 |
| Core capital (leverage) ratio | 9.7333% | 3,935 |
| Tier 1 risk-based capital ratio | 13.8009% | 4,437 |
| Total risk-based capital ratio | 15.0568% | 4,382 |
| Memoranda: | ||
| Average total assets | $381,235,200 | 1,720 |
| Average earning assets | $358,971,400 | 1,675 |
| Average equity | $36,695,400 | 1,885 |
| Average total loans | $171,410,600 | 2,289 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4777% | 5,737 |
| Cost of funding earning assets | 0.1108% | 6,745 |
| Net interest margin | 3.3669% | 4,406 |
| Noninterest income to average assets | 0.3638% | 4,788 |
| Noninterest expense to average assets | 2.0005% | 6,011 |
| Loan and lease loss provision to assets | 0.3169% | 1,068 |
| Net operating income to assets | 1.2234% | 1,551 |
| Return on assets (ROA) | 1.8449% | 500 |
| Pretax return on assets | 1.8449% | 818 |
| Return on Equity (ROE) | 19.2645% | 353 |
| Retained earnings to average equity (ytd only) | 7.5013% | 1,639 |
| Net charge-offs to loans | 0.0821% | 3,774 |
| Credit loss provision to net charge-offs | 841.1215% | 357 |
| Earnings coverage of net charge-offs (x) | 40.8794% | 988 |
| Efficiency ratio | 56.3003% | 5,868 |
| Assets per employee ($millions) | 4.7154% | 2,552 |
| Cash dividends to net income (ytd only)* | 61.0613% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8913% | 623 |
| Loan loss allowance to noncurrent loans | 155,700.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 1.5563% | 2,602 |
| Noncurrent loans to loans | 0.0019% | 6,398 |
| Net loans and leases to total assets | 41.5873% | 5,927 |
| Net loans and leases to deposits | 46.1442% | 6,087 |
| Net loans and leases to core deposits | 49.2258% | 6,055 |
| Total domestic deposits to total assets | 90.1247% | 925 |
| Equity capital to assets | 9.7059% | 4,295 |
| Core capital (leverage) ratio | 9.5654% | 4,306 |
| Tier 1 risk-based capital ratio | 12.5233% | 5,444 |
| Total risk-based capital ratio | 13.7773% | 5,381 |
| Memoranda: | ||
| Average total assets | $378,621,500 | 1,738 |
| Average earning assets | $357,278,250 | 1,690 |
| Average equity | $36,259,250 | 1,918 |
| Average total loans | $173,684,250 | 2,270 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5203% | 5,655 |
| Cost of funding earning assets | 0.1166% | 6,788 |
| Net interest margin | 3.4037% | 4,176 |
| Noninterest income to average assets | 0.3566% | 4,835 |
| Noninterest expense to average assets | 2.0175% | 6,014 |
| Loan and lease loss provision to assets | 0.3166% | 1,116 |
| Net operating income to assets | 1.2404% | 1,488 |
| Return on assets (ROA) | 2.1404% | 302 |
| Pretax return on assets | 2.1404% | 469 |
| Return on Equity (ROE) | 22.4510% | 187 |
| Retained earnings to average equity (ytd only) | 6.2090% | 2,318 |
| Net charge-offs to loans | 0.1024% | 3,338 |
| Credit loss provision to net charge-offs | 659.3407% | 448 |
| Earnings coverage of net charge-offs (x) | 32.4286% | 1,090 |
| Efficiency ratio | 56.2362% | 5,939 |
| Assets per employee ($millions) | 4.7586% | 2,437 |
| Cash dividends to net income (ytd only)* | 72.3441% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5197% | 963 |
| Loan loss allowance to noncurrent loans | 9,334.0426% | 84 |
| Noncurrent assets plus other real estate owned to assets | 1.5801% | 2,741 |
| Noncurrent loans to loans | 0.0270% | 6,332 |
| Net loans and leases to total assets | 45.1464% | 5,621 |
| Net loans and leases to deposits | 49.8882% | 5,847 |
| Net loans and leases to core deposits | 53.5619% | 5,785 |
| Total domestic deposits to total assets | 90.4953% | 759 |
| Equity capital to assets | 9.3914% | 4,734 |
| Core capital (leverage) ratio | 9.5689% | 4,128 |
| Tier 1 risk-based capital ratio | 11.9425% | 5,826 |
| Total risk-based capital ratio | 13.1948% | 5,774 |
| Memoranda: | ||
| Average total assets | $379,084,330 | 1,741 |
| Average earning assets | $358,377,670 | 1,697 |
| Average equity | $36,141,000 | 1,930 |
| Average total loans | $177,728,330 | 2,224 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5356% | 5,618 |
| Cost of funding earning assets | 0.1197% | 6,860 |
| Net interest margin | 3.4159% | 4,059 |
| Noninterest income to average assets | 0.3657% | 4,747 |
| Noninterest expense to average assets | 1.9629% | 6,177 |
| Loan and lease loss provision to assets | 0.3152% | 1,078 |
| Net operating income to assets | 1.3261% | 1,215 |
| Return on assets (ROA) | 2.3748% | 197 |
| Pretax return on assets | 2.3748% | 316 |
| Return on Equity (ROE) | 24.7272% | 129 |
| Retained earnings to average equity (ytd only) | -0.9738% | 5,948 |
| Net charge-offs to loans | 0.1448% | 2,537 |
| Credit loss provision to net charge-offs | 461.5385% | 572 |
| Earnings coverage of net charge-offs (x) | 24.0308% | 1,090 |
| Efficiency ratio | 54.2566% | 6,206 |
| Assets per employee ($millions) | 4.6980% | 2,658 |
| Cash dividends to net income (ytd only)* | 103.9381% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3163% | 1,386 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5730% | 2,905 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 46.1616% | 5,423 |
| Net loans and leases to deposits | 51.1566% | 5,694 |
| Net loans and leases to core deposits | 54.9776% | 5,605 |
| Total domestic deposits to total assets | 90.2358% | 918 |
| Equity capital to assets | 9.6782% | 4,593 |
| Core capital (leverage) ratio | 9.2462% | 4,486 |
| Tier 1 risk-based capital ratio | 11.5309% | 6,176 |
| Total risk-based capital ratio | 12.7820% | 6,140 |
| Memoranda: | ||
| Average total assets | $380,662,500 | 1,748 |
| Average earning assets | $360,903,500 | 1,692 |
| Average equity | $36,559,000 | 1,933 |
| Average total loans | $179,540,000 | 2,219 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4894% | 6,368 |
| Cost of funding earning assets | 0.1660% | 6,893 |
| Net interest margin | 3.3234% | 5,168 |
| Noninterest income to average assets | 0.3247% | 5,135 |
| Noninterest expense to average assets | 2.0037% | 6,317 |
| Loan and lease loss provision to assets | 0.5736% | 975 |
| Net operating income to assets | 0.9197% | 2,716 |
| Return on assets (ROA) | 1.9237% | 456 |
| Pretax return on assets | 1.9237% | 711 |
| Return on Equity (ROE) | 21.2048% | 252 |
| Retained earnings to average equity (ytd only) | 15.9462% | 127 |
| Net charge-offs to loans | 0.8145% | 1,438 |
| Credit loss provision to net charge-offs | 147.2603% | 1,850 |
| Earnings coverage of net charge-offs (x) | 3.8336% | 3,579 |
| Efficiency ratio | 57.0916% | 5,946 |
| Assets per employee ($millions) | 4.8795% | 2,382 |
| Cash dividends to net income (ytd only)* | 24.7989% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1370% | 1,672 |
| Loan loss allowance to noncurrent loans | 95.9663% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 1.5376% | 3,082 |
| Noncurrent loans to loans | 2.2268% | 2,435 |
| Net loans and leases to total assets | 46.0704% | 5,607 |
| Net loans and leases to deposits | 51.1443% | 5,874 |
| Net loans and leases to core deposits | 54.6494% | 5,831 |
| Total domestic deposits to total assets | 90.0792% | 910 |
| Equity capital to assets | 9.5317% | 4,831 |
| Core capital (leverage) ratio | 9.0651% | 4,795 |
| Tier 1 risk-based capital ratio | 12.0635% | 5,752 |
| Total risk-based capital ratio | 13.3145% | 5,705 |
| Memoranda: | ||
| Average total assets | $374,803,400 | 1,735 |
| Average earning assets | $357,768,400 | 1,667 |
| Average equity | $34,001,800 | 2,031 |
| Average total loans | $179,242,600 | 2,211 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4617% | 6,549 |
| Cost of funding earning assets | 0.1776% | 6,992 |
| Net interest margin | 3.2841% | 5,441 |
| Noninterest income to average assets | 0.3235% | 5,195 |
| Noninterest expense to average assets | 1.8950% | 6,532 |
| Loan and lease loss provision to assets | 0.2777% | 2,349 |
| Net operating income to assets | 1.2909% | 1,465 |
| Return on assets (ROA) | 2.2880% | 265 |
| Pretax return on assets | 2.2880% | 407 |
| Return on Equity (ROE) | 25.5563% | 132 |
| Retained earnings to average equity (ytd only) | 21.0061% | 74 |
| Net charge-offs to loans | 0.3395% | 2,758 |
| Credit loss provision to net charge-offs | 170.3297% | 1,630 |
| Earnings coverage of net charge-offs (x) | 9.6220% | 2,296 |
| Efficiency ratio | 54.5050% | 6,202 |
| Assets per employee ($millions) | 4.7273% | 2,567 |
| Cash dividends to net income (ytd only)* | 17.8046% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9258% | 2,401 |
| Loan loss allowance to noncurrent loans | 69.5894% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 1.7870% | 2,933 |
| Noncurrent loans to loans | 2.7673% | 2,034 |
| Net loans and leases to total assets | 46.0878% | 5,755 |
| Net loans and leases to deposits | 51.0092% | 6,038 |
| Net loans and leases to core deposits | 54.4732% | 6,010 |
| Total domestic deposits to total assets | 90.3520% | 652 |
| Equity capital to assets | 9.5355% | 5,159 |
| Core capital (leverage) ratio | 9.2326% | 4,698 |
| Tier 1 risk-based capital ratio | 12.8304% | 5,387 |
| Total risk-based capital ratio | 14.0807% | 5,354 |
| Memoranda: | ||
| Average total assets | $372,133,750 | 1,773 |
| Average earning assets | $355,808,500 | 1,697 |
| Average equity | $33,316,500 | 2,086 |
| Average total loans | $178,685,500 | 2,246 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5111% | 6,594 |
| Cost of funding earning assets | 0.1849% | 7,062 |
| Net interest margin | 3.3262% | 5,366 |
| Noninterest income to average assets | 0.3205% | 5,257 |
| Noninterest expense to average assets | 1.9059% | 6,582 |
| Loan and lease loss provision to assets | 0.2453% | 2,609 |
| Net operating income to assets | 1.3456% | 1,316 |
| Return on assets (ROA) | 2.1877% | 325 |
| Pretax return on assets | 2.1877% | 491 |
| Return on Equity (ROE) | 25.0086% | 146 |
| Retained earnings to average equity (ytd only) | 20.6224% | 95 |
| Net charge-offs to loans | -0.2084% | 7,002 |
| Credit loss provision to net charge-offs | -243.2432% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2862% | 6,294 |
| Assets per employee ($millions) | 4.4733% | 2,953 |
| Cash dividends to net income (ytd only)* | 17.5386% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1293% | 1,927 |
| Loan loss allowance to noncurrent loans | 65.3281% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 2.0841% | 2,681 |
| Noncurrent loans to loans | 3.2594% | 1,786 |
| Net loans and leases to total assets | 47.3272% | 5,680 |
| Net loans and leases to deposits | 52.1020% | 6,018 |
| Net loans and leases to core deposits | 55.6939% | 5,970 |
| Total domestic deposits to total assets | 90.8358% | 513 |
| Equity capital to assets | 9.0783% | 5,605 |
| Core capital (leverage) ratio | 8.8691% | 5,095 |
| Tier 1 risk-based capital ratio | 14.0528% | 4,409 |
| Total risk-based capital ratio | 15.3076% | 4,367 |
| Memoranda: | ||
| Average total assets | $366,966,330 | 1,794 |
| Average earning assets | $350,427,330 | 1,719 |
| Average equity | $32,101,000 | 2,146 |
| Average total loans | $177,527,000 | 2,264 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4237% | 6,778 |
| Cost of funding earning assets | 0.1804% | 7,132 |
| Net interest margin | 3.2433% | 5,650 |
| Noninterest income to average assets | 0.3081% | 5,420 |
| Noninterest expense to average assets | 1.8848% | 6,672 |
| Loan and lease loss provision to assets | 0.2467% | 2,495 |
| Net operating income to assets | 1.2708% | 1,535 |
| Return on assets (ROA) | 1.9769% | 504 |
| Pretax return on assets | 1.9769% | 766 |
| Return on Equity (ROE) | 23.0426% | 244 |
| Retained earnings to average equity (ytd only) | 16.5503% | 334 |
| Net charge-offs to loans | -0.0045% | 5,780 |
| Credit loss provision to net charge-offs | -11,250.0000% | 6,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1724% | 6,206 |
| Assets per employee ($millions) | 4.6220% | 2,773 |
| Cash dividends to net income (ytd only)* | 28.1753% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9218% | 2,611 |
| Loan loss allowance to noncurrent loans | 44.5939% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 2.4582% | 2,407 |
| Noncurrent loans to loans | 4.3096% | 1,388 |
| Net loans and leases to total assets | 44.8895% | 5,908 |
| Net loans and leases to deposits | 49.0030% | 6,223 |
| Net loans and leases to core deposits | 52.1139% | 6,196 |
| Total domestic deposits to total assets | 91.6056% | 347 |
| Equity capital to assets | 8.3272% | 6,250 |
| Core capital (leverage) ratio | 8.3684% | 5,784 |
| Tier 1 risk-based capital ratio | 12.7949% | 5,368 |
| Total risk-based capital ratio | 14.0470% | 5,347 |
| Memoranda: | ||
| Average total assets | $364,808,000 | 1,812 |
| Average earning assets | $348,041,000 | 1,738 |
| Average equity | $31,298,500 | 2,183 |
| Average total loans | $176,520,000 | 2,283 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7850% | 6,746 |
| Cost of funding earning assets | 0.2452% | 7,183 |
| Net interest margin | 3.5398% | 4,982 |
| Noninterest income to average assets | 0.2917% | 5,451 |
| Noninterest expense to average assets | 2.1479% | 6,387 |
| Loan and lease loss provision to assets | 0.5655% | 1,841 |
| Net operating income to assets | 0.9537% | 2,393 |
| Return on assets (ROA) | 1.5596% | 786 |
| Pretax return on assets | 1.5596% | 1,313 |
| Return on Equity (ROE) | 15.0510% | 733 |
| Retained earnings to average equity (ytd only) | 0.5713% | 5,577 |
| Net charge-offs to loans | 0.6696% | 2,483 |
| Credit loss provision to net charge-offs | 143.6975% | 2,017 |
| Earnings coverage of net charge-offs (x) | 3.8605% | 3,367 |
| Efficiency ratio | 58.5716% | 5,968 |
| Assets per employee ($millions) | 4.8080% | 2,442 |
| Cash dividends to net income (ytd only)* | 96.2044% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8182% | 2,813 |
| Loan loss allowance to noncurrent loans | 41.7605% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 2.7888% | 2,175 |
| Noncurrent loans to loans | 4.3538% | 1,389 |
| Net loans and leases to total assets | 50.4308% | 5,532 |
| Net loans and leases to deposits | 55.4050% | 5,941 |
| Net loans and leases to core deposits | 58.8009% | 5,949 |
| Total domestic deposits to total assets | 91.0220% | 497 |
| Equity capital to assets | 8.8664% | 5,714 |
| Core capital (leverage) ratio | 9.4737% | 4,071 |
| Tier 1 risk-based capital ratio | 13.2008% | 4,912 |
| Total risk-based capital ratio | 14.4525% | 4,892 |
| Memoranda: | ||
| Average total assets | $302,385,800 | 2,120 |
| Average earning assets | $288,349,400 | 2,037 |
| Average equity | $31,333,400 | 2,113 |
| Average total loans | $177,708,600 | 2,284 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8999% | 6,729 |
| Cost of funding earning assets | 0.2692% | 7,259 |
| Net interest margin | 3.6307% | 4,653 |
| Noninterest income to average assets | 0.3021% | 5,451 |
| Noninterest expense to average assets | 2.1441% | 6,418 |
| Loan and lease loss provision to assets | 0.1230% | 4,901 |
| Net operating income to assets | 1.4949% | 949 |
| Return on assets (ROA) | 2.3295% | 217 |
| Pretax return on assets | 2.3295% | 349 |
| Return on Equity (ROE) | 21.5733% | 236 |
| Retained earnings to average equity (ytd only) | 4.4556% | 3,550 |
| Net charge-offs to loans | -0.0202% | 6,913 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9941% | 6,145 |
| Assets per employee ($millions) | 4.4060% | 3,069 |
| Cash dividends to net income (ytd only)* | 79.3468% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6029% | 3,652 |
| Loan loss allowance to noncurrent loans | 36.8827% | 5,827 |
| Noncurrent assets plus other real estate owned to assets | 3.1727% | 2,017 |
| Noncurrent loans to loans | 4.3460% | 1,500 |
| Net loans and leases to total assets | 58.1826% | 4,481 |
| Net loans and leases to deposits | 64.8885% | 5,062 |
| Net loans and leases to core deposits | 69.3954% | 5,018 |
| Total domestic deposits to total assets | 89.6655% | 1,062 |
| Equity capital to assets | 10.1810% | 4,115 |
| Core capital (leverage) ratio | 10.2172% | 3,175 |
| Tier 1 risk-based capital ratio | 13.6873% | 4,585 |
| Total risk-based capital ratio | 14.9378% | 4,553 |
| Memoranda: | ||
| Average total assets | $292,640,000 | 2,190 |
| Average earning assets | $278,872,000 | 2,112 |
| Average equity | $31,600,000 | 2,100 |
| Average total loans | $178,300,000 | 2,283 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9380% | 6,755 |
| Cost of funding earning assets | 0.2839% | 7,334 |
| Net interest margin | 3.6541% | 4,499 |
| Noninterest income to average assets | 0.3022% | 5,475 |
| Noninterest expense to average assets | 2.2091% | 6,361 |
| Loan and lease loss provision to assets | 0.1259% | 4,715 |
| Net operating income to assets | 1.4431% | 994 |
| Return on assets (ROA) | 2.6197% | 148 |
| Pretax return on assets | 2.6197% | 208 |
| Return on Equity (ROE) | 23.7650% | 166 |
| Retained earnings to average equity (ytd only) | 3.6171% | 3,932 |
| Net charge-offs to loans | -0.0261% | 6,889 |
| Credit loss provision to net charge-offs | -782.6087% | 6,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4707% | 6,101 |
| Assets per employee ($millions) | 3.7494% | 4,321 |
| Cash dividends to net income (ytd only)* | 84.7797% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5929% | 3,718 |
| Loan loss allowance to noncurrent loans | 35.6690% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 3.3972% | 1,942 |
| Noncurrent loans to loans | 4.4657% | 1,494 |
| Net loans and leases to total assets | 60.6493% | 4,158 |
| Net loans and leases to deposits | 68.0140% | 4,705 |
| Net loans and leases to core deposits | 73.1147% | 4,694 |
| Total domestic deposits to total assets | 89.1718% | 1,435 |
| Equity capital to assets | 10.6945% | 3,294 |
| Core capital (leverage) ratio | 10.3631% | 2,866 |
| Tier 1 risk-based capital ratio | 14.0768% | 4,114 |
| Total risk-based capital ratio | 15.3278% | 4,086 |
| Memoranda: | ||
| Average total assets | $285,911,000 | 2,245 |
| Average earning assets | $271,968,330 | 2,161 |
| Average equity | $31,517,000 | 2,092 |
| Average total loans | $176,074,670 | 2,337 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0347% | 6,625 |
| Cost of funding earning assets | 0.2918% | 7,399 |
| Net interest margin | 3.7429% | 3,882 |
| Noninterest income to average assets | 0.2972% | 5,538 |
| Noninterest expense to average assets | 2.2162% | 6,386 |
| Loan and lease loss provision to assets | 0.1274% | 4,400 |
| Net operating income to assets | 1.5115% | 851 |
| Return on assets (ROA) | 3.2918% | 102 |
| Pretax return on assets | 3.2918% | 133 |
| Return on Equity (ROE) | 29.4081% | 88 |
| Retained earnings to average equity (ytd only) | 11.7076% | 778 |
| Net charge-offs to loans | -0.0184% | 6,543 |
| Credit loss provision to net charge-offs | -1,125.0000% | 6,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4890% | 6,328 |
| Assets per employee ($millions) | 4.0920% | 3,658 |
| Cash dividends to net income (ytd only)* | 60.1892% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5458% | 3,981 |
| Loan loss allowance to noncurrent loans | 126.1286% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 1.3845% | 4,213 |
| Noncurrent loans to loans | 1.2256% | 4,635 |
| Net loans and leases to total assets | 59.7965% | 4,311 |
| Net loans and leases to deposits | 67.0775% | 4,816 |
| Net loans and leases to core deposits | 71.8431% | 4,811 |
| Total domestic deposits to total assets | 89.1454% | 1,678 |
| Equity capital to assets | 10.7569% | 2,918 |
| Core capital (leverage) ratio | 11.0207% | 2,175 |
| Tier 1 risk-based capital ratio | 14.3168% | 3,856 |
| Total risk-based capital ratio | 15.5671% | 3,817 |
| Memoranda: | ||
| Average total assets | $282,641,500 | 2,282 |
| Average earning assets | $268,669,000 | 2,209 |
| Average equity | $31,637,500 | 2,073 |
| Average total loans | $173,992,000 | 2,373 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3378% | 6,715 |
| Cost of funding earning assets | 0.3711% | 7,452 |
| Net interest margin | 3.9667% | 3,171 |
| Noninterest income to average assets | 0.3329% | 5,407 |
| Noninterest expense to average assets | 2.5622% | 5,570 |
| Loan and lease loss provision to assets | 0.1352% | 5,820 |
| Net operating income to assets | 1.4062% | 940 |
| Return on assets (ROA) | 1.9776% | 310 |
| Pretax return on assets | 1.9776% | 509 |
| Return on Equity (ROE) | 17.2317% | 457 |
| Retained earnings to average equity (ytd only) | 6.2327% | 1,702 |
| Net charge-offs to loans | 0.0588% | 6,204 |
| Credit loss provision to net charge-offs | 391.3043% | 630 |
| Earnings coverage of net charge-offs (x) | 44.5978% | 521 |
| Efficiency ratio | 62.4371% | 5,646 |
| Assets per employee ($millions) | 3.7077% | 4,444 |
| Cash dividends to net income (ytd only)* | 63.8298% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5783% | 3,665 |
| Loan loss allowance to noncurrent loans | 126.6857% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 1.4749% | 4,109 |
| Noncurrent loans to loans | 1.2458% | 4,637 |
| Net loans and leases to total assets | 61.4704% | 4,401 |
| Net loans and leases to deposits | 69.7355% | 4,844 |
| Net loans and leases to core deposits | 74.8152% | 4,871 |
| Total domestic deposits to total assets | 88.1479% | 2,152 |
| Equity capital to assets | 11.6688% | 2,149 |
| Core capital (leverage) ratio | 11.2644% | 1,975 |
| Tier 1 risk-based capital ratio | 14.1688% | 3,756 |
| Total risk-based capital ratio | 15.4184% | 3,716 |
| Memoranda: | ||
| Average total assets | $266,177,600 | 2,392 |
| Average earning assets | $253,030,800 | 2,316 |
| Average equity | $30,548,400 | 2,140 |
| Average total loans | $156,509,000 | 2,661 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3162% | 6,952 |
| Cost of funding earning assets | 0.3813% | 7,584 |
| Net interest margin | 3.9349% | 3,383 |
| Noninterest income to average assets | 0.3325% | 5,499 |
| Noninterest expense to average assets | 2.3285% | 6,237 |
| Loan and lease loss provision to assets | 0.1358% | 5,672 |
| Net operating income to assets | 1.6057% | 740 |
| Return on assets (ROA) | 2.1962% | 257 |
| Pretax return on assets | 2.1962% | 413 |
| Return on Equity (ROE) | 19.2183% | 375 |
| Retained earnings to average equity (ytd only) | 7.7956% | 1,485 |
| Net charge-offs to loans | 0.0530% | 5,993 |
| Credit loss provision to net charge-offs | 442.6230% | 679 |
| Earnings coverage of net charge-offs (x) | 56.7549% | 510 |
| Efficiency ratio | 57.2117% | 6,388 |
| Assets per employee ($millions) | 3.6319% | 4,660 |
| Cash dividends to net income (ytd only)* | 59.4365% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6469% | 3,342 |
| Loan loss allowance to noncurrent loans | 120.1657% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 1.6814% | 3,923 |
| Noncurrent loans to loans | 1.3705% | 4,568 |
| Net loans and leases to total assets | 58.7891% | 5,140 |
| Net loans and leases to deposits | 68.4726% | 5,354 |
| Net loans and leases to core deposits | 73.1588% | 5,387 |
| Total domestic deposits to total assets | 85.8578% | 3,151 |
| Equity capital to assets | 12.0817% | 2,104 |
| Core capital (leverage) ratio | 11.3707% | 2,030 |
| Tier 1 risk-based capital ratio | 14.4571% | 3,529 |
| Total risk-based capital ratio | 15.7070% | 3,501 |
| Memoranda: | ||
| Average total assets | $265,056,500 | 2,444 |
| Average earning assets | $251,757,750 | 2,356 |
| Average equity | $30,289,750 | 2,178 |
| Average total loans | $153,375,000 | 2,756 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2126% | 7,158 |
| Cost of funding earning assets | 0.3887% | 7,664 |
| Net interest margin | 3.8239% | 3,795 |
| Noninterest income to average assets | 0.3268% | 5,538 |
| Noninterest expense to average assets | 2.2986% | 6,356 |
| Loan and lease loss provision to assets | 0.1358% | 5,533 |
| Net operating income to assets | 1.5296% | 851 |
| Return on assets (ROA) | 2.2299% | 238 |
| Pretax return on assets | 2.2299% | 388 |
| Return on Equity (ROE) | 19.8930% | 324 |
| Retained earnings to average equity (ytd only) | 7.0012% | 1,829 |
| Net charge-offs to loans | -0.1239% | 7,585 |
| Credit loss provision to net charge-offs | -191.4894% | 6,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9859% | 6,380 |
| Assets per employee ($millions) | 3.6089% | 4,676 |
| Cash dividends to net income (ytd only)* | 64.8054% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7686% | 2,821 |
| Loan loss allowance to noncurrent loans | 121.6561% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 1.7020% | 3,890 |
| Noncurrent loans to loans | 1.4538% | 4,527 |
| Net loans and leases to total assets | 56.3746% | 5,643 |
| Net loans and leases to deposits | 63.8293% | 6,055 |
| Net loans and leases to core deposits | 67.4178% | 6,103 |
| Total domestic deposits to total assets | 88.3208% | 1,818 |
| Equity capital to assets | 11.5588% | 2,396 |
| Core capital (leverage) ratio | 11.0284% | 2,219 |
| Tier 1 risk-based capital ratio | 14.4263% | 3,482 |
| Total risk-based capital ratio | 15.6771% | 3,448 |
| Memoranda: | ||
| Average total assets | $265,032,330 | 2,464 |
| Average earning assets | $252,101,330 | 2,374 |
| Average equity | $29,709,000 | 2,208 |
| Average total loans | $151,674,330 | 2,803 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0527% | 7,414 |
| Cost of funding earning assets | 0.3924% | 7,779 |
| Net interest margin | 3.6604% | 4,436 |
| Noninterest income to average assets | 0.3220% | 5,573 |
| Noninterest expense to average assets | 2.2842% | 6,428 |
| Loan and lease loss provision to assets | 0.1354% | 5,206 |
| Net operating income to assets | 1.3979% | 1,078 |
| Return on assets (ROA) | 2.3504% | 212 |
| Pretax return on assets | 2.3504% | 323 |
| Return on Equity (ROE) | 21.2970% | 310 |
| Retained earnings to average equity (ytd only) | 4.5948% | 3,389 |
| Net charge-offs to loans | -0.2659% | 7,723 |
| Credit loss provision to net charge-offs | -89.1089% | 6,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8345% | 6,207 |
| Assets per employee ($millions) | 3.5006% | 5,024 |
| Cash dividends to net income (ytd only)* | 78.4251% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7064% | 3,043 |
| Loan loss allowance to noncurrent loans | 56.3997% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 1.7734% | 3,823 |
| Noncurrent loans to loans | 3.0255% | 2,650 |
| Net loans and leases to total assets | 57.6148% | 5,509 |
| Net loans and leases to deposits | 65.0812% | 5,930 |
| Net loans and leases to core deposits | 69.0633% | 5,997 |
| Total domestic deposits to total assets | 88.5276% | 1,775 |
| Equity capital to assets | 11.3759% | 2,445 |
| Core capital (leverage) ratio | 10.6577% | 2,488 |
| Tier 1 risk-based capital ratio | 13.9931% | 3,658 |
| Total risk-based capital ratio | 15.1123% | 3,716 |
| Memoranda: | ||
| Average total assets | $265,822,500 | 2,511 |
| Average earning assets | $253,854,000 | 2,406 |
| Average equity | $29,337,500 | 2,257 |
| Average total loans | $151,914,500 | 2,858 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5721% | 7,314 |
| Cost of funding earning assets | 0.4163% | 7,867 |
| Net interest margin | 4.1557% | 2,224 |
| Noninterest income to average assets | 0.3559% | 5,558 |
| Noninterest expense to average assets | 2.5288% | 6,031 |
| Loan and lease loss provision to assets | 0.6450% | 3,226 |
| Net operating income to assets | 1.1459% | 1,397 |
| Return on assets (ROA) | 2.1900% | 163 |
| Pretax return on assets | 2.1900% | 281 |
| Return on Equity (ROE) | 20.6167% | 213 |
| Retained earnings to average equity (ytd only) | 6.5333% | 1,140 |
| Net charge-offs to loans | 1.0287% | 2,355 |
| Credit loss provision to net charge-offs | 108.9239% | 5,076 |
| Earnings coverage of net charge-offs (x) | 3.0243% | 3,566 |
| Efficiency ratio | 58.5410% | 6,689 |
| Assets per employee ($millions) | 3.8394% | 4,179 |
| Cash dividends to net income (ytd only)* | 68.3109% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 3,361 |
| Loan loss allowance to noncurrent loans | 51.8023% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 1.6996% | 3,819 |
| Noncurrent loans to loans | 3.0483% | 2,531 |
| Net loans and leases to total assets | 54.8751% | 6,095 |
| Net loans and leases to deposits | 64.2312% | 6,235 |
| Net loans and leases to core deposits | 76.2640% | 6,379 |
| Total domestic deposits to total assets | 85.4338% | 3,334 |
| Equity capital to assets | 10.7140% | 2,955 |
| Core capital (leverage) ratio | 10.4308% | 2,668 |
| Tier 1 risk-based capital ratio | 14.7716% | 3,063 |
| Total risk-based capital ratio | 16.0215% | 3,016 |
| Memoranda: | ||
| Average total assets | $257,353,600 | 2,545 |
| Average earning assets | $245,467,600 | 2,447 |
| Average equity | $27,337,000 | 2,422 |
| Average total loans | $148,147,000 | 2,952 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6379% | 7,368 |
| Cost of funding earning assets | 0.4149% | 7,969 |
| Net interest margin | 4.2230% | 1,963 |
| Noninterest income to average assets | 0.3660% | 5,577 |
| Noninterest expense to average assets | 2.4711% | 6,173 |
| Loan and lease loss provision to assets | 0.1420% | 5,938 |
| Net operating income to assets | 1.7780% | 473 |
| Return on assets (ROA) | 1.9657% | 338 |
| Pretax return on assets | 1.9657% | 579 |
| Return on Equity (ROE) | 18.5483% | 400 |
| Retained earnings to average equity (ytd only) | 3.7464% | 3,192 |
| Net charge-offs to loans | 0.0263% | 6,513 |
| Credit loss provision to net charge-offs | 931.0345% | 400 |
| Earnings coverage of net charge-offs (x) | 125.8826% | 298 |
| Efficiency ratio | 56.2754% | 6,960 |
| Assets per employee ($millions) | 3.6428% | 4,564 |
| Cash dividends to net income (ytd only)* | 79.8019% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6709% | 2,730 |
| Loan loss allowance to noncurrent loans | 82.3201% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 1.1138% | 4,850 |
| Noncurrent loans to loans | 2.0297% | 3,598 |
| Net loans and leases to total assets | 53.9578% | 6,388 |
| Net loans and leases to deposits | 63.3139% | 6,557 |
| Net loans and leases to core deposits | 73.7225% | 6,743 |
| Total domestic deposits to total assets | 85.2226% | 3,113 |
| Equity capital to assets | 10.9517% | 3,060 |
| Core capital (leverage) ratio | 10.7881% | 2,567 |
| Tier 1 risk-based capital ratio | 13.7165% | 3,701 |
| Total risk-based capital ratio | 14.9669% | 3,651 |
| Memoranda: | ||
| Average total assets | $253,542,750 | 2,586 |
| Average earning assets | $241,657,500 | 2,504 |
| Average equity | $26,869,750 | 2,481 |
| Average total loans | $147,186,750 | 2,996 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7631% | 7,288 |
| Cost of funding earning assets | 0.4245% | 8,062 |
| Net interest margin | 4.3386% | 1,552 |
| Noninterest income to average assets | 0.3725% | 5,529 |
| Noninterest expense to average assets | 2.5021% | 6,119 |
| Loan and lease loss provision to assets | 0.1458% | 5,616 |
| Net operating income to assets | 1.8543% | 406 |
| Return on assets (ROA) | 2.1345% | 240 |
| Pretax return on assets | 2.1345% | 401 |
| Return on Equity (ROE) | 20.3925% | 310 |
| Retained earnings to average equity (ytd only) | 4.3168% | 2,898 |
| Net charge-offs to loans | 0.0355% | 5,968 |
| Credit loss provision to net charge-offs | 692.3077% | 676 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 400 |
| Efficiency ratio | 55.5755% | 7,157 |
| Assets per employee ($millions) | 3.3092% | 5,293 |
| Cash dividends to net income (ytd only)* | 78.8316% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6594% | 2,489 |
| Loan loss allowance to noncurrent loans | 4,836.0000% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 7,581 |
| Noncurrent loans to loans | 0.0343% | 7,457 |
| Net loans and leases to total assets | 58.5180% | 5,898 |
| Net loans and leases to deposits | 69.9405% | 5,991 |
| Net loans and leases to core deposits | 83.1548% | 6,149 |
| Total domestic deposits to total assets | 83.6683% | 3,931 |
| Equity capital to assets | 11.2279% | 2,734 |
| Core capital (leverage) ratio | 10.8460% | 2,528 |
| Tier 1 risk-based capital ratio | 14.3336% | 3,341 |
| Total risk-based capital ratio | 15.5841% | 3,272 |
| Memoranda: | ||
| Average total assets | $246,987,670 | 2,670 |
| Average earning assets | $235,099,330 | 2,573 |
| Average equity | $25,852,670 | 2,569 |
| Average total loans | $146,275,000 | 3,042 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7126% | 7,491 |
| Cost of funding earning assets | 0.4304% | 8,124 |
| Net interest margin | 4.2822% | 1,640 |
| Noninterest income to average assets | 0.3757% | 5,427 |
| Noninterest expense to average assets | 2.4706% | 5,955 |
| Loan and lease loss provision to assets | 0.1451% | 5,091 |
| Net operating income to assets | 1.8352% | 494 |
| Return on assets (ROA) | 2.3754% | 196 |
| Pretax return on assets | 2.3754% | 317 |
| Return on Equity (ROE) | 23.5383% | 236 |
| Retained earnings to average equity (ytd only) | 4.0749% | 3,630 |
| Net charge-offs to loans | -0.0846% | 7,836 |
| Credit loss provision to net charge-offs | -290.3226% | 6,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5072% | 7,033 |
| Assets per employee ($millions) | 3.4115% | 5,044 |
| Cash dividends to net income (ytd only)* | 82.6884% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6442% | 2,329 |
| Loan loss allowance to noncurrent loans | 795.0000% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 7,229 |
| Noncurrent loans to loans | 0.2068% | 6,939 |
| Net loans and leases to total assets | 57.2871% | 6,058 |
| Net loans and leases to deposits | 63.8746% | 6,573 |
| Net loans and leases to core deposits | 74.6649% | 6,765 |
| Total domestic deposits to total assets | 89.6869% | 939 |
| Equity capital to assets | 10.1750% | 3,789 |
| Core capital (leverage) ratio | 10.8233% | 2,639 |
| Tier 1 risk-based capital ratio | 14.0526% | 3,555 |
| Total risk-based capital ratio | 15.3029% | 3,481 |
| Memoranda: | ||
| Average total assets | $248,041,500 | 2,675 |
| Average earning assets | $236,046,000 | 2,573 |
| Average equity | $25,031,500 | 2,647 |
| Average total loans | $146,554,000 | 3,068 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7795% | 6,504 |
| Cost of funding earning assets | 1.0419% | 8,036 |
| Net interest margin | 4.7376% | 891 |
| Noninterest income to average assets | 0.4063% | 5,419 |
| Noninterest expense to average assets | 2.3101% | 6,667 |
| Loan and lease loss provision to assets | 0.1454% | 5,498 |
| Net operating income to assets | 2.3214% | 185 |
| Return on assets (ROA) | 2.3347% | 173 |
| Pretax return on assets | 2.3347% | 281 |
| Return on Equity (ROE) | 23.2998% | 201 |
| Retained earnings to average equity (ytd only) | 2.2288% | 3,828 |
| Net charge-offs to loans | 0.0709% | 5,755 |
| Credit loss provision to net charge-offs | 371.1340% | 1,191 |
| Earnings coverage of net charge-offs (x) | 62.9691% | 641 |
| Efficiency ratio | 48.3598% | 7,776 |
| Assets per employee ($millions) | 3.4311% | 4,851 |
| Cash dividends to net income (ytd only)* | 90.4342% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5292% | 2,545 |
| Loan loss allowance to noncurrent loans | 11,915.7895% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 7,609 |
| Noncurrent loans to loans | 0.0128% | 7,493 |
| Net loans and leases to total assets | 59.0145% | 6,050 |
| Net loans and leases to deposits | 65.7455% | 6,660 |
| Net loans and leases to core deposits | 75.6910% | 6,876 |
| Total domestic deposits to total assets | 89.7620% | 736 |
| Equity capital to assets | 10.0077% | 4,029 |
| Core capital (leverage) ratio | 11.1441% | 2,470 |
| Tier 1 risk-based capital ratio | 13.7759% | 3,655 |
| Total risk-based capital ratio | 14.9541% | 3,615 |
| Memoranda: | ||
| Average total assets | $247,607,200 | 2,581 |
| Average earning assets | $228,427,800 | 2,566 |
| Average equity | $24,811,400 | 2,654 |
| Average total loans | $136,838,800 | 3,146 |