Home > Woodhaven Bank > Performance and Condition Ratios
Woodhaven Bank, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5340% | 1,293 |
| Cost of funding earning assets | 0.3420% | 3,616 |
| Net interest margin | 4.1920% | 1,008 |
| Noninterest income to average assets | 0.2366% | 4,848 |
| Noninterest expense to average assets | 2.7954% | 2,808 |
| Loan and lease loss provision to assets | 0.2515% | 591 |
| Net operating income to assets | 0.9015% | 2,756 |
| Return on assets (ROA) | 0.9015% | 2,810 |
| Pretax return on assets | 0.9079% | 3,740 |
| Return on Equity (ROE) | 5.6584% | 4,057 |
| Retained earnings to average equity (ytd only) | 1.1995% | 4,593 |
| Net charge-offs to loans | 0.0296% | 2,169 |
| Credit loss provision to net charge-offs | 1,220.6897% | 263 |
| Earnings coverage of net charge-offs (x) | 56.2759% | 841 |
| Efficiency ratio | 62.7447% | 4,029 |
| Assets per employee ($millions) | 6.0576% | 1,464 |
| Cash dividends to net income (ytd only)* | 78.8022% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3150% | 5,735 |
| Loan loss allowance to noncurrent loans | 186.0150% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.4244% | 3,483 |
| Noncurrent loans to loans | 0.1693% | 4,513 |
| Net loans and leases to total assets | 69.4957% | 2,464 |
| Net loans and leases to deposits | 84.7884% | 2,183 |
| Net loans and leases to core deposits | 94.4804% | 1,941 |
| Total domestic deposits to total assets | 81.9636% | 4,180 |
| Equity capital to assets | 16.0110% | 496 |
| Core capital (leverage) ratio | 10.0976% | 3,379 |
| Tier 1 risk-based capital ratio | 13.3519% | 3,857 |
| Total risk-based capital ratio | 13.6617% | 4,343 |
| Memoranda: | ||
| Average total assets | $563,073,500 | 1,279 |
| Average earning assets | $499,431,000 | 1,319 |
| Average equity | $89,707,000 | 913 |
| Average total loans | $391,878,000 | 1,270 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3647% | 1,933 |
| Cost of funding earning assets | 0.3670% | 3,344 |
| Net interest margin | 3.9977% | 1,633 |
| Noninterest income to average assets | 0.2255% | 5,061 |
| Noninterest expense to average assets | 2.6575% | 3,496 |
| Loan and lease loss provision to assets | 0.1585% | 1,564 |
| Net operating income to assets | 0.9416% | 2,623 |
| Return on assets (ROA) | 0.9561% | 2,659 |
| Pretax return on assets | 0.9625% | 3,609 |
| Return on Equity (ROE) | 5.8764% | 4,042 |
| Retained earnings to average equity (ytd only) | -0.6068% | 5,396 |
| Net charge-offs to loans | -0.0055% | 4,825 |
| Credit loss provision to net charge-offs | -4,242.8571% | 5,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2401% | 4,213 |
| Assets per employee ($millions) | 6.1173% | 1,395 |
| Cash dividends to net income (ytd only)* | 110.3256% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2332% | 5,824 |
| Loan loss allowance to noncurrent loans | 69.0386% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 0.5542% | 3,072 |
| Noncurrent loans to loans | 0.3378% | 3,929 |
| Net loans and leases to total assets | 69.3151% | 2,578 |
| Net loans and leases to deposits | 84.8700% | 2,319 |
| Net loans and leases to core deposits | 94.9613% | 2,011 |
| Total domestic deposits to total assets | 81.6721% | 4,156 |
| Equity capital to assets | 15.8522% | 515 |
| Core capital (leverage) ratio | 10.2896% | 3,122 |
| Tier 1 risk-based capital ratio | 13.4535% | 3,798 |
| Total risk-based capital ratio | 13.6781% | 4,312 |
| Memoranda: | ||
| Average total assets | $562,187,400 | 1,241 |
| Average earning assets | $497,587,200 | 1,279 |
| Average equity | $91,467,400 | 879 |
| Average total loans | $381,015,000 | 1,248 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3893% | 1,891 |
| Cost of funding earning assets | 0.3745% | 3,288 |
| Net interest margin | 4.0148% | 1,609 |
| Noninterest income to average assets | 0.2562% | 4,928 |
| Noninterest expense to average assets | 2.5751% | 3,746 |
| Loan and lease loss provision to assets | 0.1971% | 1,080 |
| Net operating income to assets | 1.0302% | 2,292 |
| Return on assets (ROA) | 1.0495% | 2,328 |
| Pretax return on assets | 1.0559% | 3,405 |
| Return on Equity (ROE) | 6.4093% | 3,875 |
| Retained earnings to average equity (ytd only) | -0.7331% | 5,465 |
| Net charge-offs to loans | -0.0067% | 4,675 |
| Credit loss provision to net charge-offs | -4,373.6842% | 5,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3398% | 4,639 |
| Assets per employee ($millions) | 6.0168% | 1,423 |
| Cash dividends to net income (ytd only)* | 111.4376% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2191% | 5,888 |
| Loan loss allowance to noncurrent loans | 37.0209% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 0.7547% | 2,665 |
| Noncurrent loans to loans | 0.5917% | 3,232 |
| Net loans and leases to total assets | 69.1928% | 2,608 |
| Net loans and leases to deposits | 85.6928% | 2,292 |
| Net loans and leases to core deposits | 95.8817% | 2,004 |
| Total domestic deposits to total assets | 80.7452% | 4,310 |
| Equity capital to assets | 16.4283% | 496 |
| Core capital (leverage) ratio | 10.3315% | 3,186 |
| Tier 1 risk-based capital ratio | 12.7541% | 4,308 |
| Total risk-based capital ratio | 12.9534% | 4,880 |
| Memoranda: | ||
| Average total assets | $562,036,500 | 1,240 |
| Average earning assets | $497,320,000 | 1,282 |
| Average equity | $92,030,500 | 874 |
| Average total loans | $378,516,000 | 1,245 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3345% | 2,036 |
| Cost of funding earning assets | 0.3742% | 3,310 |
| Net interest margin | 3.9603% | 1,773 |
| Noninterest income to average assets | 0.2565% | 4,943 |
| Noninterest expense to average assets | 2.5616% | 3,852 |
| Loan and lease loss provision to assets | 0.1830% | 1,189 |
| Net operating income to assets | 1.0103% | 2,345 |
| Return on assets (ROA) | 1.0159% | 2,454 |
| Pretax return on assets | 1.0223% | 3,504 |
| Return on Equity (ROE) | 6.2108% | 3,957 |
| Retained earnings to average equity (ytd only) | -0.3063% | 5,341 |
| Net charge-offs to loans | -0.0117% | 4,748 |
| Credit loss provision to net charge-offs | -2,340.9091% | 5,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7449% | 4,675 |
| Assets per employee ($millions) | 5.9017% | 1,477 |
| Cash dividends to net income (ytd only)* | 104.9318% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1408% | 5,987 |
| Loan loss allowance to noncurrent loans | 34.7798% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6239% | 3,134 |
| Noncurrent loans to loans | 0.4048% | 3,911 |
| Net loans and leases to total assets | 67.2305% | 2,906 |
| Net loans and leases to deposits | 83.7963% | 2,492 |
| Net loans and leases to core deposits | 93.3911% | 2,221 |
| Total domestic deposits to total assets | 80.2309% | 4,489 |
| Equity capital to assets | 16.3509% | 498 |
| Core capital (leverage) ratio | 10.2999% | 3,199 |
| Tier 1 risk-based capital ratio | 12.7571% | 4,344 |
| Total risk-based capital ratio | 12.8828% | 4,971 |
| Memoranda: | ||
| Average total assets | $562,860,670 | 1,245 |
| Average earning assets | $498,095,000 | 1,287 |
| Average equity | $92,065,000 | 868 |
| Average total loans | $375,345,330 | 1,259 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2581% | 2,276 |
| Cost of funding earning assets | 0.3729% | 3,367 |
| Net interest margin | 3.8852% | 1,981 |
| Noninterest income to average assets | 0.2695% | 4,807 |
| Noninterest expense to average assets | 2.5789% | 3,813 |
| Loan and lease loss provision to assets | 0.1683% | 1,228 |
| Net operating income to assets | 0.9627% | 2,451 |
| Return on assets (ROA) | 0.9740% | 2,511 |
| Pretax return on assets | 0.9804% | 3,550 |
| Return on Equity (ROE) | 5.9535% | 4,011 |
| Retained earnings to average equity (ytd only) | 5.9535% | 2,395 |
| Net charge-offs to loans | -0.0043% | 4,247 |
| Credit loss provision to net charge-offs | -5,900.0000% | 5,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8979% | 4,615 |
| Assets per employee ($millions) | 5.9637% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0634% | 6,066 |
| Loan loss allowance to noncurrent loans | 20.7792% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 0.5631% | 3,374 |
| Noncurrent loans to loans | 0.3053% | 4,332 |
| Net loans and leases to total assets | 66.7390% | 2,853 |
| Net loans and leases to deposits | 82.1903% | 2,521 |
| Net loans and leases to core deposits | 90.1079% | 2,363 |
| Total domestic deposits to total assets | 81.2006% | 4,428 |
| Equity capital to assets | 16.4173% | 488 |
| Core capital (leverage) ratio | 10.6791% | 2,758 |
| Tier 1 risk-based capital ratio | 13.0753% | 4,215 |
| Total risk-based capital ratio | 13.1316% | 4,895 |
| Memoranda: | ||
| Average total assets | $561,007,500 | 1,251 |
| Average earning assets | $497,682,500 | 1,292 |
| Average equity | $91,778,000 | 868 |
| Average total loans | $372,296,500 | 1,266 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3632% | 6,166 |
| Cost of funding earning assets | 0.0345% | 6,125 |
| Net interest margin | 0.3286% | 6,168 |
| Noninterest income to average assets | 0.0270% | 6,055 |
| Noninterest expense to average assets | 0.2109% | 6,174 |
| Loan and lease loss provision to assets | 0.0018% | 4,349 |
| Net operating income to assets | 0.1253% | 5,720 |
| Return on assets (ROA) | 0.1253% | 5,767 |
| Pretax return on assets | 0.1253% | 5,774 |
| Return on Equity (ROE) | 1.1372% | 5,751 |
| Retained earnings to average equity (ytd only) | 1.1372% | 5,063 |
| Net charge-offs to loans | 0.0025% | 4,386 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 69.1111% | 779 |
| Efficiency ratio | 53.4462% | 5,556 |
| Assets per employee ($millions) | 6.1718% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,124 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 0.5545% | 3,437 |
| Noncurrent loans to loans | 0.2657% | 4,493 |
| Net loans and leases to total assets | 65.9345% | 2,987 |
| Net loans and leases to deposits | 80.1081% | 2,808 |
| Net loans and leases to core deposits | 87.6652% | 2,635 |
| Total domestic deposits to total assets | 82.3069% | 4,083 |
| Equity capital to assets | 16.3005% | 489 |
| Core capital (leverage) ratio | 10.9407% | 2,458 |
| Tier 1 risk-based capital ratio | 14.5388% | 3,428 |
| Total risk-based capital ratio | 14.5388% | 4,061 |
| Memoranda: | ||
| Average total assets | $489,367,600 | 1,377 |
| Average earning assets | $463,161,200 | 1,338 |
| Average equity | $53,905,800 | 1,385 |
| Average total loans | $362,430,200 | 1,254 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4366% | 1,795 |
| Cost of funding earning assets | 0.3178% | 4,135 |
| Net interest margin | 4.1187% | 1,360 |
| Noninterest income to average assets | 0.2560% | 5,110 |
| Noninterest expense to average assets | 2.6455% | 3,735 |
| Loan and lease loss provision to assets | 0.0798% | 2,578 |
| Net operating income to assets | 1.4905% | 932 |
| Return on assets (ROA) | 1.4908% | 967 |
| Pretax return on assets | 1.4922% | 1,699 |
| Return on Equity (ROE) | 15.7536% | 629 |
| Retained earnings to average equity (ytd only) | 7.5297% | 1,429 |
| Net charge-offs to loans | 0.0136% | 3,694 |
| Credit loss provision to net charge-offs | 764.8649% | 456 |
| Earnings coverage of net charge-offs (x) | 150.6550% | 467 |
| Efficiency ratio | 62.7307% | 4,452 |
| Assets per employee ($millions) | 5.5135% | 1,774 |
| Cash dividends to net income (ytd only)* | 52.2035% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 3,961 |
| Loan loss allowance to noncurrent loans | 459.0810% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.6775% | 3,222 |
| Noncurrent loans to loans | 0.2495% | 4,679 |
| Net loans and leases to total assets | 72.9833% | 1,909 |
| Net loans and leases to deposits | 82.2170% | 2,619 |
| Net loans and leases to core deposits | 90.0831% | 2,458 |
| Total domestic deposits to total assets | 88.7691% | 1,142 |
| Equity capital to assets | 9.3116% | 4,994 |
| Core capital (leverage) ratio | 9.4528% | 4,363 |
| Tier 1 risk-based capital ratio | 10.9283% | 5,687 |
| Total risk-based capital ratio | 11.9369% | 5,736 |
| Memoranda: | ||
| Average total assets | $472,843,000 | 1,431 |
| Average earning assets | $454,754,750 | 1,371 |
| Average equity | $44,746,250 | 1,663 |
| Average total loans | $361,476,750 | 1,256 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4903% | 1,570 |
| Cost of funding earning assets | 0.3087% | 4,300 |
| Net interest margin | 4.1816% | 1,147 |
| Noninterest income to average assets | 0.2473% | 5,181 |
| Noninterest expense to average assets | 2.6496% | 3,745 |
| Loan and lease loss provision to assets | 0.1217% | 1,815 |
| Net operating income to assets | 1.4889% | 916 |
| Return on assets (ROA) | 1.4893% | 961 |
| Pretax return on assets | 1.4906% | 1,676 |
| Return on Equity (ROE) | 15.6484% | 651 |
| Retained earnings to average equity (ytd only) | 5.7072% | 2,407 |
| Net charge-offs to loans | 0.0261% | 3,160 |
| Credit loss provision to net charge-offs | 602.1277% | 545 |
| Earnings coverage of net charge-offs (x) | 79.7447% | 706 |
| Efficiency ratio | 62.1758% | 4,652 |
| Assets per employee ($millions) | 5.1246% | 2,122 |
| Cash dividends to net income (ytd only)* | 63.5287% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 4,167 |
| Loan loss allowance to noncurrent loans | 285.7338% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.8846% | 2,777 |
| Noncurrent loans to loans | 0.3965% | 4,295 |
| Net loans and leases to total assets | 79.2067% | 908 |
| Net loans and leases to deposits | 89.3032% | 1,686 |
| Net loans and leases to core deposits | 97.8927% | 1,662 |
| Total domestic deposits to total assets | 88.6941% | 1,301 |
| Equity capital to assets | 9.6583% | 4,459 |
| Core capital (leverage) ratio | 9.5021% | 4,281 |
| Tier 1 risk-based capital ratio | 10.4876% | 5,926 |
| Total risk-based capital ratio | 11.4808% | 5,962 |
| Memoranda: | ||
| Average total assets | $465,053,670 | 1,463 |
| Average earning assets | $446,429,000 | 1,405 |
| Average equity | $44,260,000 | 1,686 |
| Average total loans | $359,853,330 | 1,270 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 1,749 |
| Cost of funding earning assets | 0.2926% | 4,527 |
| Net interest margin | 4.1132% | 1,245 |
| Noninterest income to average assets | 0.2484% | 5,177 |
| Noninterest expense to average assets | 2.5869% | 3,986 |
| Loan and lease loss provision to assets | 0.1293% | 1,607 |
| Net operating income to assets | 1.4802% | 878 |
| Return on assets (ROA) | 1.4810% | 938 |
| Pretax return on assets | 1.4827% | 1,617 |
| Return on Equity (ROE) | 15.6763% | 606 |
| Retained earnings to average equity (ytd only) | 6.6096% | 2,186 |
| Net charge-offs to loans | -0.0034% | 4,419 |
| Credit loss provision to net charge-offs | -5,033.3333% | 5,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6201% | 4,862 |
| Assets per employee ($millions) | 5.2693% | 2,033 |
| Cash dividends to net income (ytd only)* | 57.8369% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 4,370 |
| Loan loss allowance to noncurrent loans | 196.9290% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 1.1009% | 2,432 |
| Noncurrent loans to loans | 0.5741% | 3,863 |
| Net loans and leases to total assets | 76.5249% | 1,133 |
| Net loans and leases to deposits | 86.1425% | 1,814 |
| Net loans and leases to core deposits | 93.0915% | 1,842 |
| Total domestic deposits to total assets | 88.8353% | 1,372 |
| Equity capital to assets | 9.5324% | 4,710 |
| Core capital (leverage) ratio | 9.3593% | 4,486 |
| Tier 1 risk-based capital ratio | 10.5842% | 5,986 |
| Total risk-based capital ratio | 11.5789% | 6,015 |
| Memoranda: | ||
| Average total assets | $466,975,000 | 1,464 |
| Average earning assets | $448,407,000 | 1,401 |
| Average equity | $44,117,500 | 1,693 |
| Average total loans | $355,032,000 | 1,278 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5514% | 1,691 |
| Cost of funding earning assets | 0.2777% | 5,024 |
| Net interest margin | 4.2736% | 1,105 |
| Noninterest income to average assets | 0.2901% | 5,045 |
| Noninterest expense to average assets | 2.7431% | 3,703 |
| Loan and lease loss provision to assets | 0.0596% | 3,336 |
| Net operating income to assets | 1.5597% | 781 |
| Return on assets (ROA) | 1.5986% | 743 |
| Pretax return on assets | 1.6014% | 1,230 |
| Return on Equity (ROE) | 17.0171% | 491 |
| Retained earnings to average equity (ytd only) | 7.0141% | 1,407 |
| Net charge-offs to loans | -0.0061% | 5,487 |
| Credit loss provision to net charge-offs | -1,310.0000% | 5,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8408% | 4,776 |
| Assets per employee ($millions) | 5.2245% | 2,042 |
| Cash dividends to net income (ytd only)* | 58.7817% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 4,345 |
| Loan loss allowance to noncurrent loans | 344.9782% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.9949% | 2,760 |
| Noncurrent loans to loans | 0.3299% | 4,659 |
| Net loans and leases to total assets | 73.7948% | 1,620 |
| Net loans and leases to deposits | 83.2580% | 2,305 |
| Net loans and leases to core deposits | 91.5441% | 2,142 |
| Total domestic deposits to total assets | 88.6339% | 1,451 |
| Equity capital to assets | 9.3619% | 4,897 |
| Core capital (leverage) ratio | 9.0588% | 4,892 |
| Tier 1 risk-based capital ratio | 12.3191% | 5,142 |
| Total risk-based capital ratio | 13.4524% | 5,138 |
| Memoranda: | ||
| Average total assets | $439,499,600 | 1,512 |
| Average earning assets | $419,082,000 | 1,466 |
| Average equity | $41,288,000 | 1,735 |
| Average total loans | $329,245,400 | 1,331 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5752% | 1,624 |
| Cost of funding earning assets | 0.2704% | 5,191 |
| Net interest margin | 4.3047% | 1,043 |
| Noninterest income to average assets | 0.3029% | 5,020 |
| Noninterest expense to average assets | 2.7797% | 3,542 |
| Loan and lease loss provision to assets | 0.0810% | 2,731 |
| Net operating income to assets | 1.5351% | 871 |
| Return on assets (ROA) | 1.5881% | 805 |
| Pretax return on assets | 1.5915% | 1,353 |
| Return on Equity (ROE) | 16.8892% | 562 |
| Retained earnings to average equity (ytd only) | 6.3478% | 2,192 |
| Net charge-offs to loans | -0.0123% | 5,480 |
| Credit loss provision to net charge-offs | -876.6667% | 5,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1866% | 4,689 |
| Assets per employee ($millions) | 5.1487% | 2,081 |
| Cash dividends to net income (ytd only)* | 62.4153% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 4,345 |
| Loan loss allowance to noncurrent loans | 124.9921% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 1.2700% | 2,424 |
| Noncurrent loans to loans | 0.9429% | 3,206 |
| Net loans and leases to total assets | 73.3070% | 1,627 |
| Net loans and leases to deposits | 82.4083% | 2,376 |
| Net loans and leases to core deposits | 87.8692% | 2,445 |
| Total domestic deposits to total assets | 88.9559% | 1,262 |
| Equity capital to assets | 9.3438% | 4,983 |
| Core capital (leverage) ratio | 9.4026% | 4,513 |
| Tier 1 risk-based capital ratio | 12.3970% | 5,230 |
| Total risk-based capital ratio | 13.5668% | 5,214 |
| Memoranda: | ||
| Average total assets | $433,129,500 | 1,548 |
| Average earning assets | $412,156,750 | 1,499 |
| Average equity | $40,727,250 | 1,761 |
| Average total loans | $324,786,500 | 1,353 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6021% | 1,527 |
| Cost of funding earning assets | 0.2652% | 5,331 |
| Net interest margin | 4.3369% | 959 |
| Noninterest income to average assets | 0.3142% | 4,904 |
| Noninterest expense to average assets | 2.8030% | 3,494 |
| Loan and lease loss provision to assets | 0.0957% | 2,430 |
| Net operating income to assets | 1.5302% | 826 |
| Return on assets (ROA) | 1.5344% | 858 |
| Pretax return on assets | 1.5386% | 1,434 |
| Return on Equity (ROE) | 16.2821% | 627 |
| Retained earnings to average equity (ytd only) | 5.7823% | 2,463 |
| Net charge-offs to loans | -0.0212% | 5,568 |
| Credit loss provision to net charge-offs | -600.0000% | 5,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2286% | 4,813 |
| Assets per employee ($millions) | 5.0233% | 2,186 |
| Cash dividends to net income (ytd only)* | 64.4866% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 4,453 |
| Loan loss allowance to noncurrent loans | 318.0782% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.8759% | 3,354 |
| Noncurrent loans to loans | 0.3754% | 4,871 |
| Net loans and leases to total assets | 73.9593% | 1,449 |
| Net loans and leases to deposits | 83.4828% | 2,086 |
| Net loans and leases to core deposits | 88.8652% | 2,226 |
| Total domestic deposits to total assets | 88.5923% | 1,587 |
| Equity capital to assets | 9.5012% | 4,746 |
| Core capital (leverage) ratio | 9.4921% | 4,343 |
| Tier 1 risk-based capital ratio | 12.5040% | 5,226 |
| Total risk-based capital ratio | 13.6894% | 5,191 |
| Memoranda: | ||
| Average total assets | $426,478,670 | 1,567 |
| Average earning assets | $405,032,670 | 1,512 |
| Average equity | $40,191,330 | 1,771 |
| Average total loans | $321,014,670 | 1,357 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5981% | 1,510 |
| Cost of funding earning assets | 0.2572% | 5,519 |
| Net interest margin | 4.3409% | 920 |
| Noninterest income to average assets | 0.3333% | 4,706 |
| Noninterest expense to average assets | 2.8480% | 3,391 |
| Loan and lease loss provision to assets | 0.1937% | 1,219 |
| Net operating income to assets | 1.4055% | 978 |
| Return on assets (ROA) | 1.4055% | 1,021 |
| Pretax return on assets | 1.4112% | 1,710 |
| Return on Equity (ROE) | 14.9777% | 774 |
| Retained earnings to average equity (ytd only) | 3.7444% | 3,884 |
| Net charge-offs to loans | -0.0038% | 4,772 |
| Credit loss provision to net charge-offs | -6,800.0000% | 5,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9582% | 4,865 |
| Assets per employee ($millions) | 4.9445% | 2,311 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 4,685 |
| Loan loss allowance to noncurrent loans | 259.9598% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 1.0606% | 3,134 |
| Noncurrent loans to loans | 0.4575% | 4,782 |
| Net loans and leases to total assets | 75.7265% | 1,036 |
| Net loans and leases to deposits | 85.6935% | 1,639 |
| Net loans and leases to core deposits | 90.7150% | 1,849 |
| Total domestic deposits to total assets | 88.3691% | 2,010 |
| Equity capital to assets | 9.4260% | 4,594 |
| Core capital (leverage) ratio | 9.7075% | 3,989 |
| Tier 1 risk-based capital ratio | 12.3764% | 5,387 |
| Total risk-based capital ratio | 13.5635% | 5,362 |
| Memoranda: | ||
| Average total assets | $421,204,000 | 1,591 |
| Average earning assets | $399,733,500 | 1,537 |
| Average equity | $39,525,500 | 1,784 |
| Average total loans | $317,957,500 | 1,372 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4727% | 2,309 |
| Cost of funding earning assets | 0.2637% | 5,882 |
| Net interest margin | 4.2090% | 1,328 |
| Noninterest income to average assets | 0.3251% | 5,006 |
| Noninterest expense to average assets | 2.8873% | 3,407 |
| Loan and lease loss provision to assets | 0.0857% | 3,400 |
| Net operating income to assets | 1.3325% | 1,176 |
| Return on assets (ROA) | 1.3325% | 1,216 |
| Pretax return on assets | 1.3354% | 2,030 |
| Return on Equity (ROE) | 14.0815% | 934 |
| Retained earnings to average equity (ytd only) | 4.6190% | 2,872 |
| Net charge-offs to loans | 0.0450% | 4,591 |
| Credit loss provision to net charge-offs | 266.9173% | 847 |
| Earnings coverage of net charge-offs (x) | 44.2707% | 872 |
| Efficiency ratio | 67.0159% | 4,369 |
| Assets per employee ($millions) | 4.9080% | 2,303 |
| Cash dividends to net income (ytd only)* | 67.1980% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 4,741 |
| Loan loss allowance to noncurrent loans | 244.2077% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 1.3965% | 2,654 |
| Noncurrent loans to loans | 0.4845% | 4,784 |
| Net loans and leases to total assets | 73.4360% | 1,448 |
| Net loans and leases to deposits | 82.7961% | 2,094 |
| Net loans and leases to core deposits | 85.7935% | 2,471 |
| Total domestic deposits to total assets | 88.6950% | 1,805 |
| Equity capital to assets | 9.3411% | 4,632 |
| Core capital (leverage) ratio | 9.5255% | 4,227 |
| Tier 1 risk-based capital ratio | 12.7400% | 5,146 |
| Total risk-based capital ratio | 13.9071% | 5,151 |
| Memoranda: | ||
| Average total assets | $414,325,800 | 1,592 |
| Average earning assets | $392,108,800 | 1,541 |
| Average equity | $39,207,400 | 1,785 |
| Average total loans | $295,781,000 | 1,427 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 2,397 |
| Cost of funding earning assets | 0.2630% | 6,005 |
| Net interest margin | 4.1926% | 1,364 |
| Noninterest income to average assets | 0.3172% | 5,162 |
| Noninterest expense to average assets | 2.9151% | 3,251 |
| Loan and lease loss provision to assets | 0.0619% | 3,804 |
| Net operating income to assets | 1.3039% | 1,350 |
| Return on assets (ROA) | 1.3039% | 1,403 |
| Pretax return on assets | 1.3068% | 2,308 |
| Return on Equity (ROE) | 13.7347% | 1,059 |
| Retained earnings to average equity (ytd only) | 4.9065% | 3,147 |
| Net charge-offs to loans | 0.0598% | 4,052 |
| Credit loss provision to net charge-offs | 146.5649% | 1,607 |
| Earnings coverage of net charge-offs (x) | 32.4126% | 1,173 |
| Efficiency ratio | 68.0488% | 4,094 |
| Assets per employee ($millions) | 4.8940% | 2,316 |
| Cash dividends to net income (ytd only)* | 64.2769% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 4,935 |
| Loan loss allowance to noncurrent loans | 207.5148% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 1.5320% | 2,635 |
| Noncurrent loans to loans | 0.5710% | 4,778 |
| Net loans and leases to total assets | 69.4914% | 2,049 |
| Net loans and leases to deposits | 78.2748% | 2,615 |
| Net loans and leases to core deposits | 80.8747% | 3,022 |
| Total domestic deposits to total assets | 88.7788% | 1,677 |
| Equity capital to assets | 9.2470% | 4,868 |
| Core capital (leverage) ratio | 9.6639% | 4,152 |
| Tier 1 risk-based capital ratio | 13.1713% | 4,998 |
| Total risk-based capital ratio | 14.3356% | 5,018 |
| Memoranda: | ||
| Average total assets | $413,612,750 | 1,602 |
| Average earning assets | $391,315,500 | 1,555 |
| Average equity | $39,267,000 | 1,792 |
| Average total loans | $292,219,500 | 1,448 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4963% | 2,213 |
| Cost of funding earning assets | 0.2656% | 6,072 |
| Net interest margin | 4.2307% | 1,196 |
| Noninterest income to average assets | 0.3269% | 5,080 |
| Noninterest expense to average assets | 2.9174% | 3,279 |
| Loan and lease loss provision to assets | 0.0550% | 3,904 |
| Net operating income to assets | 1.3493% | 1,196 |
| Return on assets (ROA) | 1.3493% | 1,284 |
| Pretax return on assets | 1.3522% | 2,110 |
| Return on Equity (ROE) | 14.0873% | 994 |
| Retained earnings to average equity (ytd only) | 4.4385% | 3,448 |
| Net charge-offs to loans | 0.0227% | 4,385 |
| Credit loss provision to net charge-offs | 342.4242% | 762 |
| Earnings coverage of net charge-offs (x) | 87.6667% | 517 |
| Efficiency ratio | 67.4615% | 4,271 |
| Assets per employee ($millions) | 4.6976% | 2,515 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 4,929 |
| Loan loss allowance to noncurrent loans | 96.9480% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.7767% | 2,444 |
| Noncurrent loans to loans | 1.2486% | 3,457 |
| Net loans and leases to total assets | 71.2302% | 1,686 |
| Net loans and leases to deposits | 80.4889% | 2,258 |
| Net loans and leases to core deposits | 83.0696% | 2,688 |
| Total domestic deposits to total assets | 88.4969% | 1,915 |
| Equity capital to assets | 9.5654% | 4,495 |
| Core capital (leverage) ratio | 9.6619% | 3,994 |
| Tier 1 risk-based capital ratio | 13.2670% | 4,944 |
| Total risk-based capital ratio | 14.4633% | 4,920 |
| Memoranda: | ||
| Average total assets | $411,189,670 | 1,617 |
| Average earning assets | $388,540,330 | 1,565 |
| Average equity | $39,383,000 | 1,784 |
| Average total loans | $290,964,670 | 1,447 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4623% | 2,309 |
| Cost of funding earning assets | 0.2659% | 6,187 |
| Net interest margin | 4.1963% | 1,195 |
| Noninterest income to average assets | 0.3288% | 5,072 |
| Noninterest expense to average assets | 2.8931% | 3,373 |
| Loan and lease loss provision to assets | 0.0251% | 4,157 |
| Net operating income to assets | 1.3646% | 1,113 |
| Return on assets (ROA) | 1.3646% | 1,203 |
| Pretax return on assets | 1.3675% | 1,985 |
| Return on Equity (ROE) | 14.2381% | 919 |
| Retained earnings to average equity (ytd only) | 3.1696% | 4,363 |
| Net charge-offs to loans | 0.0413% | 3,458 |
| Credit loss provision to net charge-offs | 86.6667% | 2,072 |
| Earnings coverage of net charge-offs (x) | 48.1333% | 692 |
| Efficiency ratio | 67.5068% | 4,408 |
| Assets per employee ($millions) | 4.7855% | 2,513 |
| Cash dividends to net income (ytd only)* | 77.7385% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 5,233 |
| Loan loss allowance to noncurrent loans | 189.1758% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 1.3230% | 3,309 |
| Noncurrent loans to loans | 0.6274% | 4,875 |
| Net loans and leases to total assets | 68.8441% | 1,869 |
| Net loans and leases to deposits | 77.9932% | 2,337 |
| Net loans and leases to core deposits | 80.5470% | 2,741 |
| Total domestic deposits to total assets | 88.2694% | 2,151 |
| Equity capital to assets | 9.5684% | 4,758 |
| Core capital (leverage) ratio | 9.4510% | 4,163 |
| Tier 1 risk-based capital ratio | 12.9951% | 5,223 |
| Total risk-based capital ratio | 14.1560% | 5,242 |
| Memoranda: | ||
| Average total assets | $414,786,000 | 1,612 |
| Average earning assets | $391,102,000 | 1,567 |
| Average equity | $39,752,500 | 1,790 |
| Average total loans | $290,800,000 | 1,451 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7218% | 2,511 |
| Cost of funding earning assets | 0.3459% | 6,241 |
| Net interest margin | 4.3760% | 1,211 |
| Noninterest income to average assets | 0.3233% | 5,146 |
| Noninterest expense to average assets | 2.8836% | 3,705 |
| Loan and lease loss provision to assets | 0.1199% | 4,121 |
| Net operating income to assets | 1.4642% | 983 |
| Return on assets (ROA) | 1.4943% | 1,022 |
| Pretax return on assets | 1.4963% | 1,687 |
| Return on Equity (ROE) | 15.8502% | 680 |
| Retained earnings to average equity (ytd only) | 6.7892% | 1,675 |
| Net charge-offs to loans | 0.2065% | 3,729 |
| Credit loss provision to net charge-offs | 81.3953% | 3,782 |
| Earnings coverage of net charge-offs (x) | 10.7641% | 2,108 |
| Efficiency ratio | 64.5145% | 4,796 |
| Assets per employee ($millions) | 5.1016% | 2,097 |
| Cash dividends to net income (ytd only)* | 57.1663% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 5,204 |
| Loan loss allowance to noncurrent loans | 163.7833% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 1.4435% | 3,219 |
| Noncurrent loans to loans | 0.7217% | 4,736 |
| Net loans and leases to total assets | 69.7151% | 1,898 |
| Net loans and leases to deposits | 79.0615% | 2,400 |
| Net loans and leases to core deposits | 81.5754% | 2,812 |
| Total domestic deposits to total assets | 88.1783% | 2,111 |
| Equity capital to assets | 9.5994% | 4,753 |
| Core capital (leverage) ratio | 9.1621% | 4,641 |
| Tier 1 risk-based capital ratio | 12.9065% | 5,182 |
| Total risk-based capital ratio | 14.0699% | 5,178 |
| Memoranda: | ||
| Average total assets | $408,546,000 | 1,604 |
| Average earning assets | $387,115,600 | 1,553 |
| Average equity | $38,516,800 | 1,808 |
| Average total loans | $291,501,400 | 1,440 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7495% | 2,579 |
| Cost of funding earning assets | 0.3600% | 6,332 |
| Net interest margin | 4.3895% | 1,224 |
| Noninterest income to average assets | 0.3211% | 5,214 |
| Noninterest expense to average assets | 2.8995% | 3,598 |
| Loan and lease loss provision to assets | 0.1250% | 3,988 |
| Net operating income to assets | 1.4643% | 1,089 |
| Return on assets (ROA) | 1.5046% | 1,126 |
| Pretax return on assets | 1.5072% | 1,855 |
| Return on Equity (ROE) | 16.0328% | 737 |
| Retained earnings to average equity (ytd only) | 7.4183% | 1,885 |
| Net charge-offs to loans | 0.1967% | 3,551 |
| Credit loss provision to net charge-offs | 88.8372% | 3,333 |
| Earnings coverage of net charge-offs (x) | 11.3116% | 2,087 |
| Efficiency ratio | 64.5559% | 4,705 |
| Assets per employee ($millions) | 5.0089% | 2,178 |
| Cash dividends to net income (ytd only)* | 53.7307% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 5,212 |
| Loan loss allowance to noncurrent loans | 170.0581% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 1.3145% | 3,666 |
| Noncurrent loans to loans | 0.7154% | 5,004 |
| Net loans and leases to total assets | 69.3848% | 2,042 |
| Net loans and leases to deposits | 78.7740% | 2,561 |
| Net loans and leases to core deposits | 81.4992% | 3,022 |
| Total domestic deposits to total assets | 88.0809% | 2,001 |
| Equity capital to assets | 9.6049% | 5,055 |
| Core capital (leverage) ratio | 9.2801% | 4,622 |
| Tier 1 risk-based capital ratio | 13.0213% | 5,224 |
| Total risk-based capital ratio | 14.2323% | 5,231 |
| Memoranda: | ||
| Average total assets | $407,374,250 | 1,618 |
| Average earning assets | $387,033,750 | 1,566 |
| Average equity | $38,229,000 | 1,834 |
| Average total loans | $291,493,750 | 1,455 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8180% | 2,440 |
| Cost of funding earning assets | 0.3755% | 6,400 |
| Net interest margin | 4.4425% | 1,098 |
| Noninterest income to average assets | 0.3111% | 5,325 |
| Noninterest expense to average assets | 2.8888% | 3,666 |
| Loan and lease loss provision to assets | 0.1575% | 3,541 |
| Net operating income to assets | 1.4774% | 1,033 |
| Return on assets (ROA) | 1.4774% | 1,156 |
| Pretax return on assets | 1.4813% | 1,916 |
| Return on Equity (ROE) | 15.8691% | 787 |
| Retained earnings to average equity (ytd only) | 7.1440% | 2,021 |
| Net charge-offs to loans | 0.2578% | 3,034 |
| Credit loss provision to net charge-offs | 84.8806% | 3,189 |
| Earnings coverage of net charge-offs (x) | 8.8302% | 2,241 |
| Efficiency ratio | 63.8034% | 4,928 |
| Assets per employee ($millions) | 4.6451% | 2,649 |
| Cash dividends to net income (ytd only)* | 54.9817% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 5,280 |
| Loan loss allowance to noncurrent loans | 183.0110% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 1.1753% | 4,051 |
| Noncurrent loans to loans | 0.6655% | 5,173 |
| Net loans and leases to total assets | 71.0748% | 1,728 |
| Net loans and leases to deposits | 80.6029% | 2,297 |
| Net loans and leases to core deposits | 83.5974% | 2,747 |
| Total domestic deposits to total assets | 88.1789% | 2,029 |
| Equity capital to assets | 9.6512% | 4,832 |
| Core capital (leverage) ratio | 9.1362% | 4,712 |
| Tier 1 risk-based capital ratio | 12.8920% | 5,262 |
| Total risk-based capital ratio | 14.1131% | 5,260 |
| Memoranda: | ||
| Average total assets | $406,256,330 | 1,624 |
| Average earning assets | $385,593,000 | 1,572 |
| Average equity | $37,822,000 | 1,848 |
| Average total loans | $292,494,000 | 1,450 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8470% | 2,454 |
| Cost of funding earning assets | 0.4048% | 6,384 |
| Net interest margin | 4.4422% | 1,125 |
| Noninterest income to average assets | 0.3125% | 5,386 |
| Noninterest expense to average assets | 2.8913% | 3,657 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6395% | 808 |
| Return on assets (ROA) | 1.6395% | 902 |
| Pretax return on assets | 1.6434% | 1,449 |
| Return on Equity (ROE) | 17.9306% | 558 |
| Retained earnings to average equity (ytd only) | 7.2513% | 2,302 |
| Net charge-offs to loans | 0.0095% | 4,596 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 240.4286% | 149 |
| Efficiency ratio | 63.7597% | 4,967 |
| Assets per employee ($millions) | 4.6626% | 2,717 |
| Cash dividends to net income (ytd only)* | 59.5593% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 5,381 |
| Loan loss allowance to noncurrent loans | 148.3911% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 1.3403% | 3,883 |
| Noncurrent loans to loans | 0.8246% | 5,023 |
| Net loans and leases to total assets | 70.6661% | 1,639 |
| Net loans and leases to deposits | 80.6233% | 2,117 |
| Net loans and leases to core deposits | 83.8291% | 2,566 |
| Total domestic deposits to total assets | 87.6497% | 2,553 |
| Equity capital to assets | 9.3200% | 5,066 |
| Core capital (leverage) ratio | 8.9438% | 4,925 |
| Tier 1 risk-based capital ratio | 12.8335% | 5,340 |
| Total risk-based capital ratio | 14.0835% | 5,312 |
| Memoranda: | ||
| Average total assets | $409,643,500 | 1,620 |
| Average earning assets | $389,353,500 | 1,560 |
| Average equity | $37,455,500 | 1,864 |
| Average total loans | $295,025,000 | 1,440 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0834% | 2,515 |
| Cost of funding earning assets | 0.7460% | 5,240 |
| Net interest margin | 4.3374% | 1,582 |
| Noninterest income to average assets | 0.3016% | 5,376 |
| Noninterest expense to average assets | 2.8754% | 4,062 |
| Loan and lease loss provision to assets | 0.1594% | 4,633 |
| Net operating income to assets | 1.3712% | 1,081 |
| Return on assets (ROA) | 1.3707% | 1,170 |
| Pretax return on assets | 1.3780% | 1,848 |
| Return on Equity (ROE) | 16.1715% | 577 |
| Retained earnings to average equity (ytd only) | 8.3116% | 982 |
| Net charge-offs to loans | 0.2495% | 4,217 |
| Credit loss provision to net charge-offs | 87.6165% | 4,118 |
| Earnings coverage of net charge-offs (x) | 8.4527% | 2,143 |
| Efficiency ratio | 65.1534% | 4,925 |
| Assets per employee ($millions) | 4.7545% | 2,507 |
| Cash dividends to net income (ytd only)* | 48.6037% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 5,454 |
| Loan loss allowance to noncurrent loans | 131.5342% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 1.2286% | 4,181 |
| Noncurrent loans to loans | 0.9021% | 4,879 |
| Net loans and leases to total assets | 71.6290% | 1,706 |
| Net loans and leases to deposits | 81.2461% | 2,318 |
| Net loans and leases to core deposits | 86.5560% | 2,562 |
| Total domestic deposits to total assets | 88.1630% | 2,047 |
| Equity capital to assets | 8.9703% | 5,581 |
| Core capital (leverage) ratio | 8.2091% | 5,981 |
| Tier 1 risk-based capital ratio | 12.0890% | 5,769 |
| Total risk-based capital ratio | 13.2967% | 5,786 |
| Memoranda: | ||
| Average total assets | $412,782,400 | 1,574 |
| Average earning assets | $391,294,600 | 1,525 |
| Average equity | $34,987,400 | 1,922 |
| Average total loans | $301,023,400 | 1,412 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0777% | 2,721 |
| Cost of funding earning assets | 0.8186% | 5,021 |
| Net interest margin | 4.2591% | 1,877 |
| Noninterest income to average assets | 0.3051% | 5,418 |
| Noninterest expense to average assets | 2.9037% | 3,917 |
| Loan and lease loss provision to assets | 0.1655% | 4,407 |
| Net operating income to assets | 1.2642% | 1,471 |
| Return on assets (ROA) | 1.2642% | 1,585 |
| Pretax return on assets | 1.2730% | 2,389 |
| Return on Equity (ROE) | 15.1369% | 823 |
| Retained earnings to average equity (ytd only) | 7.5916% | 1,668 |
| Net charge-offs to loans | 0.2553% | 3,837 |
| Credit loss provision to net charge-offs | 88.7348% | 3,815 |
| Earnings coverage of net charge-offs (x) | 7.7141% | 2,309 |
| Efficiency ratio | 66.8726% | 4,549 |
| Assets per employee ($millions) | 4.9159% | 2,302 |
| Cash dividends to net income (ytd only)* | 49.8467% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 5,494 |
| Loan loss allowance to noncurrent loans | 139.7116% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 1.1456% | 4,496 |
| Noncurrent loans to loans | 0.8542% | 5,159 |
| Net loans and leases to total assets | 68.6138% | 2,350 |
| Net loans and leases to deposits | 77.0226% | 3,165 |
| Net loans and leases to core deposits | 82.0596% | 3,321 |
| Total domestic deposits to total assets | 89.0827% | 1,382 |
| Equity capital to assets | 8.3997% | 6,398 |
| Core capital (leverage) ratio | 8.1889% | 6,145 |
| Tier 1 risk-based capital ratio | 11.7316% | 6,080 |
| Total risk-based capital ratio | 12.9448% | 6,107 |
| Memoranda: | ||
| Average total assets | $412,567,000 | 1,586 |
| Average earning assets | $391,056,750 | 1,527 |
| Average equity | $34,458,000 | 1,950 |
| Average total loans | $301,317,500 | 1,421 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1453% | 2,485 |
| Cost of funding earning assets | 0.8538% | 5,036 |
| Net interest margin | 4.2914% | 1,700 |
| Noninterest income to average assets | 0.3272% | 5,279 |
| Noninterest expense to average assets | 2.9708% | 3,755 |
| Loan and lease loss provision to assets | 0.2395% | 3,520 |
| Net operating income to assets | 1.1673% | 1,674 |
| Return on assets (ROA) | 1.1673% | 1,751 |
| Pretax return on assets | 1.1762% | 2,571 |
| Return on Equity (ROE) | 14.0046% | 978 |
| Retained earnings to average equity (ytd only) | 6.3195% | 2,234 |
| Net charge-offs to loans | 0.2971% | 3,386 |
| Credit loss provision to net charge-offs | 108.4821% | 2,822 |
| Earnings coverage of net charge-offs (x) | 6.4129% | 2,396 |
| Efficiency ratio | 67.7264% | 4,568 |
| Assets per employee ($millions) | 4.7364% | 2,494 |
| Cash dividends to net income (ytd only)* | 54.8755% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 5,534 |
| Loan loss allowance to noncurrent loans | 120.9112% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 1.5804% | 3,827 |
| Noncurrent loans to loans | 0.9944% | 5,004 |
| Net loans and leases to total assets | 72.7283% | 1,643 |
| Net loans and leases to deposits | 80.8243% | 2,639 |
| Net loans and leases to core deposits | 86.2116% | 2,875 |
| Total domestic deposits to total assets | 89.9833% | 985 |
| Equity capital to assets | 8.3239% | 6,390 |
| Core capital (leverage) ratio | 8.1994% | 6,032 |
| Tier 1 risk-based capital ratio | 11.0879% | 6,455 |
| Total risk-based capital ratio | 12.2990% | 6,472 |
| Memoranda: | ||
| Average total assets | $405,890,000 | 1,619 |
| Average earning assets | $383,926,330 | 1,563 |
| Average equity | $33,831,670 | 1,967 |
| Average total loans | $301,621,000 | 1,436 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1711% | 2,346 |
| Cost of funding earning assets | 0.8745% | 5,097 |
| Net interest margin | 4.2966% | 1,573 |
| Noninterest income to average assets | 0.3376% | 5,207 |
| Noninterest expense to average assets | 2.9898% | 3,691 |
| Loan and lease loss provision to assets | 0.1109% | 4,627 |
| Net operating income to assets | 1.3116% | 1,240 |
| Return on assets (ROA) | 1.3116% | 1,286 |
| Pretax return on assets | 1.3206% | 1,974 |
| Return on Equity (ROE) | 15.7243% | 708 |
| Retained earnings to average equity (ytd only) | 6.1436% | 2,550 |
| Net charge-offs to loans | 0.1057% | 3,901 |
| Credit loss provision to net charge-offs | 140.5063% | 1,997 |
| Earnings coverage of net charge-offs (x) | 18.1392% | 1,195 |
| Efficiency ratio | 67.6231% | 4,736 |
| Assets per employee ($millions) | 4.5603% | 2,796 |
| Cash dividends to net income (ytd only)* | 60.9292% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 5,458 |
| Loan loss allowance to noncurrent loans | 95.7380% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 1.7431% | 3,650 |
| Noncurrent loans to loans | 1.2901% | 4,544 |
| Net loans and leases to total assets | 71.7757% | 1,770 |
| Net loans and leases to deposits | 79.9344% | 2,732 |
| Net loans and leases to core deposits | 85.5788% | 2,942 |
| Total domestic deposits to total assets | 89.7933% | 1,292 |
| Equity capital to assets | 8.2027% | 6,276 |
| Core capital (leverage) ratio | 8.3385% | 5,733 |
| Tier 1 risk-based capital ratio | 11.4959% | 6,109 |
| Total risk-based capital ratio | 12.7494% | 6,084 |
| Memoranda: | ||
| Average total assets | $400,434,000 | 1,653 |
| Average earning assets | $380,579,000 | 1,591 |
| Average equity | $33,400,500 | 1,974 |
| Average total loans | $299,020,500 | 1,464 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5197% | 2,205 |
| Cost of funding earning assets | 0.9623% | 5,879 |
| Net interest margin | 4.5574% | 1,115 |
| Noninterest income to average assets | 0.3860% | 5,012 |
| Noninterest expense to average assets | 3.1276% | 3,357 |
| Loan and lease loss provision to assets | 0.2271% | 5,005 |
| Net operating income to assets | 1.3496% | 1,053 |
| Return on assets (ROA) | 1.3496% | 1,132 |
| Pretax return on assets | 1.3519% | 1,790 |
| Return on Equity (ROE) | 16.1666% | 563 |
| Retained earnings to average equity (ytd only) | 7.5872% | 1,121 |
| Net charge-offs to loans | 0.2121% | 5,018 |
| Credit loss provision to net charge-offs | 139.2971% | 2,733 |
| Earnings coverage of net charge-offs (x) | 9.6853% | 1,797 |
| Efficiency ratio | 66.4509% | 4,882 |
| Assets per employee ($millions) | 4.3870% | 3,058 |
| Cash dividends to net income (ytd only)* | 53.0683% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 5,425 |
| Loan loss allowance to noncurrent loans | 96.4088% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 1.8379% | 3,577 |
| Noncurrent loans to loans | 1.2633% | 4,599 |
| Net loans and leases to total assets | 75.8422% | 1,307 |
| Net loans and leases to deposits | 84.7240% | 2,335 |
| Net loans and leases to core deposits | 91.1093% | 2,604 |
| Total domestic deposits to total assets | 89.5167% | 1,378 |
| Equity capital to assets | 8.4866% | 5,872 |
| Core capital (leverage) ratio | 8.1604% | 5,894 |
| Tier 1 risk-based capital ratio | 11.3519% | 6,031 |
| Total risk-based capital ratio | 12.6042% | 6,029 |
| Memoranda: | ||
| Average total assets | $383,969,000 | 1,710 |
| Average earning assets | $364,023,400 | 1,651 |
| Average equity | $32,053,800 | 2,046 |
| Average total loans | $295,169,600 | 1,517 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5521% | 2,246 |
| Cost of funding earning assets | 0.9644% | 6,118 |
| Net interest margin | 4.5877% | 1,070 |
| Noninterest income to average assets | 0.3860% | 5,069 |
| Noninterest expense to average assets | 3.1443% | 3,127 |
| Loan and lease loss provision to assets | 0.2186% | 4,881 |
| Net operating income to assets | 1.3593% | 1,192 |
| Return on assets (ROA) | 1.3593% | 1,276 |
| Pretax return on assets | 1.3676% | 1,978 |
| Return on Equity (ROE) | 16.3519% | 667 |
| Retained earnings to average equity (ytd only) | 7.5425% | 1,581 |
| Net charge-offs to loans | 0.1995% | 4,752 |
| Credit loss provision to net charge-offs | 142.5000% | 2,771 |
| Earnings coverage of net charge-offs (x) | 10.3387% | 1,896 |
| Efficiency ratio | 66.4676% | 4,761 |
| Assets per employee ($millions) | 4.3228% | 3,219 |
| Cash dividends to net income (ytd only)* | 53.8738% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 5,467 |
| Loan loss allowance to noncurrent loans | 154.4712% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 1.2833% | 4,577 |
| Noncurrent loans to loans | 0.7801% | 5,652 |
| Net loans and leases to total assets | 74.8825% | 1,602 |
| Net loans and leases to deposits | 83.6040% | 2,775 |
| Net loans and leases to core deposits | 89.4142% | 3,183 |
| Total domestic deposits to total assets | 89.5681% | 1,088 |
| Equity capital to assets | 8.4612% | 6,326 |
| Core capital (leverage) ratio | 8.3331% | 5,815 |
| Tier 1 risk-based capital ratio | 11.1965% | 6,192 |
| Total risk-based capital ratio | 12.4456% | 6,191 |
| Memoranda: | ||
| Average total assets | $382,351,000 | 1,744 |
| Average earning assets | $362,087,250 | 1,687 |
| Average equity | $31,783,500 | 2,077 |
| Average total loans | $294,019,500 | 1,537 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5477% | 2,338 |
| Cost of funding earning assets | 0.9697% | 6,291 |
| Net interest margin | 4.5780% | 1,044 |
| Noninterest income to average assets | 0.3919% | 4,976 |
| Noninterest expense to average assets | 3.1948% | 2,917 |
| Loan and lease loss provision to assets | 0.2910% | 4,055 |
| Net operating income to assets | 1.2317% | 1,479 |
| Return on assets (ROA) | 1.2317% | 1,541 |
| Pretax return on assets | 1.2396% | 2,293 |
| Return on Equity (ROE) | 14.9089% | 873 |
| Retained earnings to average equity (ytd only) | 5.6388% | 2,532 |
| Net charge-offs to loans | 0.2693% | 3,994 |
| Credit loss provision to net charge-offs | 139.8477% | 2,871 |
| Earnings coverage of net charge-offs (x) | 7.3553% | 2,311 |
| Efficiency ratio | 67.6093% | 4,654 |
| Assets per employee ($millions) | 4.2395% | 3,318 |
| Cash dividends to net income (ytd only)* | 62.1784% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 5,522 |
| Loan loss allowance to noncurrent loans | 180.8122% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 1.1535% | 4,821 |
| Noncurrent loans to loans | 0.6572% | 5,937 |
| Net loans and leases to total assets | 76.7767% | 1,335 |
| Net loans and leases to deposits | 85.4735% | 2,607 |
| Net loans and leases to core deposits | 91.2828% | 3,086 |
| Total domestic deposits to total assets | 89.8251% | 1,005 |
| Equity capital to assets | 8.2840% | 6,444 |
| Core capital (leverage) ratio | 8.1964% | 5,942 |
| Tier 1 risk-based capital ratio | 10.9737% | 6,265 |
| Total risk-based capital ratio | 12.2238% | 6,253 |
| Memoranda: | ||
| Average total assets | $378,677,670 | 1,774 |
| Average earning assets | $358,454,330 | 1,706 |
| Average equity | $31,283,330 | 2,110 |
| Average total loans | $292,639,670 | 1,563 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5172% | 2,505 |
| Cost of funding earning assets | 1.0013% | 6,373 |
| Net interest margin | 4.5159% | 1,106 |
| Noninterest income to average assets | 0.3732% | 5,154 |
| Noninterest expense to average assets | 3.2747% | 2,616 |
| Loan and lease loss provision to assets | 0.2037% | 4,464 |
| Net operating income to assets | 1.1463% | 1,686 |
| Return on assets (ROA) | 1.1463% | 1,767 |
| Pretax return on assets | 1.1559% | 2,532 |
| Return on Equity (ROE) | 13.8954% | 1,073 |
| Retained earnings to average equity (ytd only) | 5.4935% | 2,871 |
| Net charge-offs to loans | 0.1522% | 4,020 |
| Credit loss provision to net charge-offs | 173.6364% | 2,091 |
| Earnings coverage of net charge-offs (x) | 11.5909% | 1,637 |
| Efficiency ratio | 70.6627% | 4,185 |
| Assets per employee ($millions) | 4.1733% | 3,514 |
| Cash dividends to net income (ytd only)* | 60.4651% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 5,535 |
| Loan loss allowance to noncurrent loans | 77.4151% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.4609% | 4,312 |
| Noncurrent loans to loans | 1.5416% | 4,436 |
| Net loans and leases to total assets | 76.8398% | 1,360 |
| Net loans and leases to deposits | 85.7782% | 2,627 |
| Net loans and leases to core deposits | 90.2713% | 3,329 |
| Total domestic deposits to total assets | 89.5796% | 1,187 |
| Equity capital to assets | 8.3525% | 6,221 |
| Core capital (leverage) ratio | 8.2385% | 5,851 |
| Tier 1 risk-based capital ratio | 10.9713% | 6,186 |
| Total risk-based capital ratio | 12.2172% | 6,160 |
| Memoranda: | ||
| Average total assets | $375,119,500 | 1,827 |
| Average earning assets | $353,948,500 | 1,765 |
| Average equity | $30,945,500 | 2,146 |
| Average total loans | $289,078,500 | 1,628 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6810% | 3,203 |
| Cost of funding earning assets | 1.5286% | 5,383 |
| Net interest margin | 4.1525% | 2,240 |
| Noninterest income to average assets | 0.4065% | 5,148 |
| Noninterest expense to average assets | 3.0510% | 3,942 |
| Loan and lease loss provision to assets | 0.3017% | 5,019 |
| Net operating income to assets | 0.9664% | 1,956 |
| Return on assets (ROA) | 1.0492% | 1,711 |
| Pretax return on assets | 1.0590% | 2,381 |
| Return on Equity (ROE) | 13.3566% | 894 |
| Retained earnings to average equity (ytd only) | 7.0127% | 957 |
| Net charge-offs to loans | 0.2544% | 5,029 |
| Credit loss provision to net charge-offs | 152.6027% | 3,005 |
| Earnings coverage of net charge-offs (x) | 6.4589% | 2,358 |
| Efficiency ratio | 70.4944% | 4,526 |
| Assets per employee ($millions) | 4.0722% | 3,670 |
| Cash dividends to net income (ytd only)* | 47.4961% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1903% | 5,421 |
| Loan loss allowance to noncurrent loans | 84.5333% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 1.2965% | 4,489 |
| Noncurrent loans to loans | 1.4081% | 4,575 |
| Net loans and leases to total assets | 75.4475% | 1,934 |
| Net loans and leases to deposits | 83.9332% | 3,288 |
| Net loans and leases to core deposits | 104.3624% | 3,526 |
| Total domestic deposits to total assets | 89.8900% | 1,019 |
| Equity capital to assets | 8.1463% | 6,411 |
| Core capital (leverage) ratio | 7.8579% | 6,376 |
| Tier 1 risk-based capital ratio | 10.9659% | 5,944 |
| Total risk-based capital ratio | 12.1993% | 5,937 |
| Memoranda: | ||
| Average total assets | $369,221,800 | 1,843 |
| Average earning assets | $348,685,600 | 1,789 |
| Average equity | $29,004,400 | 2,301 |
| Average total loans | $286,914,000 | 1,670 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6680% | 3,485 |
| Cost of funding earning assets | 1.6217% | 5,299 |
| Net interest margin | 4.0464% | 2,612 |
| Noninterest income to average assets | 0.3969% | 5,311 |
| Noninterest expense to average assets | 3.0673% | 3,779 |
| Loan and lease loss provision to assets | 0.2675% | 4,825 |
| Net operating income to assets | 0.8791% | 2,502 |
| Return on assets (ROA) | 0.9355% | 2,353 |
| Pretax return on assets | 0.9452% | 3,076 |
| Return on Equity (ROE) | 12.0215% | 1,343 |
| Retained earnings to average equity (ytd only) | 6.2460% | 1,830 |
| Net charge-offs to loans | 0.1439% | 5,255 |
| Credit loss provision to net charge-offs | 238.0645% | 1,838 |
| Earnings coverage of net charge-offs (x) | 10.2872% | 1,979 |
| Efficiency ratio | 72.6313% | 4,119 |
| Assets per employee ($millions) | 4.2115% | 3,359 |
| Cash dividends to net income (ytd only)* | 48.0433% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 5,209 |
| Loan loss allowance to noncurrent loans | 64.3777% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.7294% | 3,770 |
| Noncurrent loans to loans | 1.8369% | 3,859 |
| Net loans and leases to total assets | 75.2240% | 2,183 |
| Net loans and leases to deposits | 84.4789% | 3,572 |
| Net loans and leases to core deposits | 110.9018% | 3,136 |
| Total domestic deposits to total assets | 89.0447% | 1,174 |
| Equity capital to assets | 7.9089% | 6,936 |
| Core capital (leverage) ratio | 7.8163% | 6,598 |
| Tier 1 risk-based capital ratio | 10.5820% | 6,368 |
| Total risk-based capital ratio | 11.8162% | 6,361 |
| Memoranda: | ||
| Average total assets | $367,867,750 | 1,863 |
| Average earning assets | $347,860,000 | 1,807 |
| Average equity | $28,625,750 | 2,347 |
| Average total loans | $287,127,500 | 1,686 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7076% | 3,493 |
| Cost of funding earning assets | 1.6924% | 5,311 |
| Net interest margin | 4.0152% | 2,635 |
| Noninterest income to average assets | 0.3997% | 5,285 |
| Noninterest expense to average assets | 3.0578% | 3,857 |
| Loan and lease loss provision to assets | 0.2057% | 4,995 |
| Net operating income to assets | 0.9194% | 2,381 |
| Return on assets (ROA) | 1.0051% | 2,186 |
| Pretax return on assets | 1.0151% | 2,948 |
| Return on Equity (ROE) | 12.9917% | 1,182 |
| Retained earnings to average equity (ytd only) | 7.3617% | 1,444 |
| Net charge-offs to loans | 0.1765% | 4,473 |
| Credit loss provision to net charge-offs | 148.0159% | 3,119 |
| Earnings coverage of net charge-offs (x) | 8.1627% | 2,306 |
| Efficiency ratio | 72.9449% | 4,209 |
| Assets per employee ($millions) | 4.1018% | 3,490 |
| Cash dividends to net income (ytd only)* | 43.3352% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 5,615 |
| Loan loss allowance to noncurrent loans | 77.4464% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.4587% | 4,058 |
| Noncurrent loans to loans | 1.4181% | 4,373 |
| Net loans and leases to total assets | 76.6426% | 2,028 |
| Net loans and leases to deposits | 86.0920% | 3,538 |
| Net loans and leases to core deposits | 117.0104% | 2,626 |
| Total domestic deposits to total assets | 89.0241% | 1,259 |
| Equity capital to assets | 7.6321% | 7,153 |
| Core capital (leverage) ratio | 7.8932% | 6,499 |
| Tier 1 risk-based capital ratio | 10.1011% | 6,820 |
| Total risk-based capital ratio | 11.2235% | 6,887 |
| Memoranda: | ||
| Average total assets | $362,740,330 | 1,910 |
| Average earning assets | $342,598,000 | 1,851 |
| Average equity | $28,064,000 | 2,402 |
| Average total loans | $285,588,000 | 1,727 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7574% | 3,493 |
| Cost of funding earning assets | 1.7784% | 5,217 |
| Net interest margin | 3.9790% | 2,731 |
| Noninterest income to average assets | 0.3905% | 5,293 |
| Noninterest expense to average assets | 3.0128% | 3,709 |
| Loan and lease loss provision to assets | 0.2503% | 3,969 |
| Net operating income to assets | 0.8812% | 2,786 |
| Return on assets (ROA) | 0.8812% | 2,929 |
| Pretax return on assets | 0.8912% | 3,750 |
| Return on Equity (ROE) | 11.3109% | 1,878 |
| Retained earnings to average equity (ytd only) | 5.0270% | 3,112 |
| Net charge-offs to loans | 0.0981% | 4,194 |
| Credit loss provision to net charge-offs | 321.4286% | 1,532 |
| Earnings coverage of net charge-offs (x) | 14.6571% | 1,651 |
| Efficiency ratio | 72.5228% | 4,100 |
| Assets per employee ($millions) | 4.2270% | 3,214 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1063% | 5,422 |
| Loan loss allowance to noncurrent loans | 83.8880% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.2338% | 4,217 |
| Noncurrent loans to loans | 1.3188% | 4,341 |
| Net loans and leases to total assets | 78.0996% | 1,802 |
| Net loans and leases to deposits | 87.9244% | 3,301 |
| Net loans and leases to core deposits | 113.5193% | 3,054 |
| Total domestic deposits to total assets | 88.8259% | 1,319 |
| Equity capital to assets | 7.7630% | 7,115 |
| Core capital (leverage) ratio | 7.8419% | 6,703 |
| Tier 1 risk-based capital ratio | 9.8222% | 7,115 |
| Total risk-based capital ratio | 10.9529% | 7,164 |
| Memoranda: | ||
| Average total assets | $359,528,500 | 1,933 |
| Average earning assets | $340,083,500 | 1,878 |
| Average equity | $28,008,500 | 2,418 |
| Average total loans | $285,342,500 | 1,741 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8807% | 1,461 |
| Cost of funding earning assets | 2.5316% | 4,038 |
| Net interest margin | 4.3491% | 1,828 |
| Noninterest income to average assets | 0.4125% | 5,370 |
| Noninterest expense to average assets | 3.1053% | 3,675 |
| Loan and lease loss provision to assets | 0.1879% | 5,011 |
| Net operating income to assets | 1.1918% | 1,800 |
| Return on assets (ROA) | 1.1918% | 1,731 |
| Pretax return on assets | 1.2024% | 2,629 |
| Return on Equity (ROE) | 15.4834% | 853 |
| Retained earnings to average equity (ytd only) | 6.9855% | 1,157 |
| Net charge-offs to loans | 0.1362% | 4,861 |
| Credit loss provision to net charge-offs | 172.2372% | 2,968 |
| Earnings coverage of net charge-offs (x) | 12.7466% | 2,213 |
| Efficiency ratio | 69.0753% | 4,515 |
| Assets per employee ($millions) | 3.7823% | 3,995 |
| Cash dividends to net income (ytd only)* | 54.8841% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 5,514 |
| Loan loss allowance to noncurrent loans | 134.6702% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.7867% | 4,882 |
| Noncurrent loans to loans | 0.7912% | 5,061 |
| Net loans and leases to total assets | 78.9171% | 1,911 |
| Net loans and leases to deposits | 88.9474% | 3,647 |
| Net loans and leases to core deposits | 116.6448% | 3,050 |
| Total domestic deposits to total assets | 88.7233% | 1,138 |
| Equity capital to assets | 7.8183% | 7,071 |
| Core capital (leverage) ratio | 7.6502% | 7,004 |
| Tier 1 risk-based capital ratio | 9.7424% | 7,027 |
| Total risk-based capital ratio | 10.8232% | 7,134 |
| Memoranda: | ||
| Average total assets | $340,162,400 | 1,955 |
| Average earning assets | $319,357,000 | 1,907 |
| Average equity | $26,182,800 | 2,541 |
| Average total loans | $272,370,400 | 1,757 |