Home > Central Bank > Performance and Condition Ratios
Central Bank, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7586% | 927 |
| Cost of funding earning assets | 0.1497% | 5,612 |
| Net interest margin | 4.6088% | 491 |
| Noninterest income to average assets | 0.8604% | 1,415 |
| Noninterest expense to average assets | 3.8252% | 745 |
| Loan and lease loss provision to assets | 0.1963% | 1,002 |
| Net operating income to assets | 0.5635% | 4,351 |
| Return on assets (ROA) | 0.6041% | 4,281 |
| Pretax return on assets | 0.9692% | 3,581 |
| Return on Equity (ROE) | 4.4703% | 4,715 |
| Retained earnings to average equity (ytd only) | 1.5184% | 4,666 |
| Net charge-offs to loans | 0.0179% | 2,575 |
| Credit loss provision to net charge-offs | 1,397.7273% | 297 |
| Earnings coverage of net charge-offs (x) | 78.4773% | 646 |
| Efficiency ratio | 71.2740% | 2,907 |
| Assets per employee ($millions) | 4.7642% | 2,652 |
| Cash dividends to net income (ytd only)* | 66.0328% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3317% | 5,993 |
| Loan loss allowance to noncurrent loans | 93.0868% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 0.5755% | 3,340 |
| Noncurrent loans to loans | 0.3563% | 4,155 |
| Net loans and leases to total assets | 79.0657% | 943 |
| Net loans and leases to deposits | 94.7357% | 1,070 |
| Net loans and leases to core deposits | 97.7854% | 1,650 |
| Total domestic deposits to total assets | 83.4593% | 3,728 |
| Equity capital to assets | 13.6755% | 1,104 |
| Core capital (leverage) ratio | 8.5332% | 5,363 |
| Tier 1 risk-based capital ratio | 10.7713% | 5,624 |
| Total risk-based capital ratio | 11.1189% | 5,908 |
| Memoranda: | ||
| Average total assets | $1,253,383,000 | 582 |
| Average earning assets | $1,105,962,000 | 605 |
| Average equity | $169,384,000 | 482 |
| Average total loans | $983,540,000 | 517 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3772% | 5,212 |
| Cost of funding earning assets | 0.1024% | 5,952 |
| Net interest margin | 3.2748% | 4,392 |
| Noninterest income to average assets | 0.4570% | 3,611 |
| Noninterest expense to average assets | 2.1760% | 5,102 |
| Loan and lease loss provision to assets | 0.2607% | 717 |
| Net operating income to assets | 0.5765% | 4,394 |
| Return on assets (ROA) | 0.5702% | 4,507 |
| Pretax return on assets | 0.9441% | 3,680 |
| Return on Equity (ROE) | 4.9396% | 4,534 |
| Retained earnings to average equity (ytd only) | 4.0523% | 3,128 |
| Net charge-offs to loans | 0.0514% | 3,172 |
| Credit loss provision to net charge-offs | 661.5385% | 508 |
| Earnings coverage of net charge-offs (x) | 30.8170% | 1,429 |
| Efficiency ratio | 57.3106% | 5,223 |
| Assets per employee ($millions) | 4.4798% | 3,080 |
| Cash dividends to net income (ytd only)* | 17.9624% | 3,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2754% | 6,068 |
| Loan loss allowance to noncurrent loans | 118.0507% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.6895% | 2,977 |
| Noncurrent loans to loans | 0.2333% | 4,590 |
| Net loans and leases to total assets | 77.4125% | 1,196 |
| Net loans and leases to deposits | 92.0975% | 1,389 |
| Net loans and leases to core deposits | 94.8857% | 1,958 |
| Total domestic deposits to total assets | 84.0550% | 3,456 |
| Equity capital to assets | 13.3553% | 1,183 |
| Core capital (leverage) ratio | 8.4382% | 5,486 |
| Tier 1 risk-based capital ratio | 10.8432% | 5,604 |
| Total risk-based capital ratio | 11.1360% | 5,941 |
| Memoranda: | ||
| Average total assets | $1,220,379,400 | 576 |
| Average earning assets | $1,093,229,000 | 587 |
| Average equity | $140,881,600 | 536 |
| Average total loans | $936,677,200 | 514 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8853% | 5,904 |
| Cost of funding earning assets | 0.1011% | 6,053 |
| Net interest margin | 2.7841% | 5,610 |
| Noninterest income to average assets | 0.3478% | 4,450 |
| Noninterest expense to average assets | 1.7729% | 5,818 |
| Loan and lease loss provision to assets | 0.2361% | 760 |
| Net operating income to assets | 0.5093% | 4,754 |
| Return on assets (ROA) | 0.5009% | 4,874 |
| Pretax return on assets | 0.8315% | 4,236 |
| Return on Equity (ROE) | 4.5239% | 4,823 |
| Retained earnings to average equity (ytd only) | 4.5239% | 3,249 |
| Net charge-offs to loans | 0.0331% | 3,256 |
| Credit loss provision to net charge-offs | 931.3043% | 391 |
| Earnings coverage of net charge-offs (x) | 42.6346% | 1,176 |
| Efficiency ratio | 55.1234% | 5,438 |
| Assets per employee ($millions) | 4.3214% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2019% | 6,176 |
| Loan loss allowance to noncurrent loans | 58.8489% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 0.7929% | 2,904 |
| Noncurrent loans to loans | 0.3430% | 4,387 |
| Net loans and leases to total assets | 75.6899% | 1,433 |
| Net loans and leases to deposits | 88.9520% | 1,776 |
| Net loans and leases to core deposits | 91.7459% | 2,290 |
| Total domestic deposits to total assets | 85.0906% | 2,970 |
| Equity capital to assets | 13.4592% | 1,244 |
| Core capital (leverage) ratio | 8.4423% | 5,594 |
| Tier 1 risk-based capital ratio | 11.2841% | 5,497 |
| Total risk-based capital ratio | 11.5005% | 5,907 |
| Memoranda: | ||
| Average total assets | $1,209,647,250 | 582 |
| Average earning assets | $1,088,810,750 | 594 |
| Average equity | $133,922,250 | 568 |
| Average total loans | $925,681,750 | 520 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8159% | 6,276 |
| Cost of funding earning assets | 0.1035% | 6,121 |
| Net interest margin | 1.7124% | 6,256 |
| Noninterest income to average assets | 0.2208% | 5,384 |
| Noninterest expense to average assets | 1.1083% | 6,273 |
| Loan and lease loss provision to assets | 0.0754% | 2,605 |
| Net operating income to assets | 0.3672% | 5,244 |
| Return on assets (ROA) | 0.3543% | 5,390 |
| Pretax return on assets | 0.5708% | 5,045 |
| Return on Equity (ROE) | 3.4603% | 5,250 |
| Retained earnings to average equity (ytd only) | 3.4603% | 3,839 |
| Net charge-offs to loans | 0.0118% | 3,499 |
| Credit loss provision to net charge-offs | 835.1852% | 417 |
| Earnings coverage of net charge-offs (x) | 73.8148% | 750 |
| Efficiency ratio | 51.8979% | 5,723 |
| Assets per employee ($millions) | 4.1832% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0423% | 6,282 |
| Loan loss allowance to noncurrent loans | 6.8115% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 1.0640% | 2,381 |
| Noncurrent loans to loans | 0.6217% | 3,605 |
| Net loans and leases to total assets | 75.5581% | 1,427 |
| Net loans and leases to deposits | 90.7732% | 1,504 |
| Net loans and leases to core deposits | 93.6157% | 1,998 |
| Total domestic deposits to total assets | 83.2384% | 3,856 |
| Equity capital to assets | 12.9560% | 1,426 |
| Core capital (leverage) ratio | 8.3126% | 5,704 |
| Tier 1 risk-based capital ratio | 11.2946% | 5,582 |
| Total risk-based capital ratio | 11.3414% | 6,007 |
| Memoranda: | ||
| Average total assets | $1,196,565,000 | 590 |
| Average earning assets | $1,085,732,000 | 597 |
| Average equity | $122,532,670 | 626 |
| Average total loans | $918,509,670 | 520 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9910% | 577 |
| Cost of funding earning assets | 0.3128% | 4,301 |
| Net interest margin | 4.6782% | 428 |
| Noninterest income to average assets | 0.6086% | 2,600 |
| Noninterest expense to average assets | 2.8680% | 3,009 |
| Loan and lease loss provision to assets | 0.0611% | 2,705 |
| Net operating income to assets | 1.9955% | 343 |
| Return on assets (ROA) | 2.0169% | 349 |
| Pretax return on assets | 2.0237% | 563 |
| Return on Equity (ROE) | 22.8735% | 157 |
| Retained earnings to average equity (ytd only) | 16.0874% | 216 |
| Net charge-offs to loans | 0.0654% | 2,084 |
| Credit loss provision to net charge-offs | 120.8054% | 1,438 |
| Earnings coverage of net charge-offs (x) | 40.7785% | 963 |
| Efficiency ratio | 57.6889% | 5,372 |
| Assets per employee ($millions) | 3.9235% | 4,118 |
| Cash dividends to net income (ytd only)* | 29.6683% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6579% | 1,861 |
| Loan loss allowance to noncurrent loans | 230.5623% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 1.3602% | 1,953 |
| Noncurrent loans to loans | 0.7191% | 3,465 |
| Net loans and leases to total assets | 76.8726% | 1,078 |
| Net loans and leases to deposits | 85.4486% | 1,900 |
| Net loans and leases to core deposits | 88.0355% | 2,330 |
| Total domestic deposits to total assets | 89.9635% | 758 |
| Equity capital to assets | 9.0693% | 5,220 |
| Core capital (leverage) ratio | 9.0656% | 4,879 |
| Tier 1 risk-based capital ratio | 12.2721% | 5,064 |
| Total risk-based capital ratio | 13.5284% | 4,970 |
| Memoranda: | ||
| Average total assets | $1,177,828,500 | 596 |
| Average earning assets | $1,088,360,500 | 587 |
| Average equity | $103,858,000 | 745 |
| Average total loans | $911,359,000 | 518 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0917% | 647 |
| Cost of funding earning assets | 0.3578% | 4,167 |
| Net interest margin | 4.7339% | 496 |
| Noninterest income to average assets | 0.5263% | 3,316 |
| Noninterest expense to average assets | 3.4370% | 1,626 |
| Loan and lease loss provision to assets | 0.0190% | 4,237 |
| Net operating income to assets | 1.3617% | 1,155 |
| Return on assets (ROA) | 1.3838% | 1,150 |
| Pretax return on assets | 1.3860% | 1,927 |
| Return on Equity (ROE) | 16.5028% | 551 |
| Retained earnings to average equity (ytd only) | 3.4553% | 3,749 |
| Net charge-offs to loans | 0.5123% | 797 |
| Credit loss provision to net charge-offs | 5.0761% | 4,159 |
| Earnings coverage of net charge-offs (x) | 3.6936% | 3,827 |
| Efficiency ratio | 70.7657% | 3,424 |
| Assets per employee ($millions) | 3.8517% | 4,250 |
| Cash dividends to net income (ytd only)* | 79.0624% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6865% | 1,808 |
| Loan loss allowance to noncurrent loans | 267.0702% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 1.3167% | 2,139 |
| Noncurrent loans to loans | 0.6315% | 3,793 |
| Net loans and leases to total assets | 75.2933% | 1,365 |
| Net loans and leases to deposits | 83.3172% | 2,292 |
| Net loans and leases to core deposits | 86.1337% | 2,673 |
| Total domestic deposits to total assets | 90.3695% | 587 |
| Equity capital to assets | 8.5666% | 5,673 |
| Core capital (leverage) ratio | 8.6227% | 5,420 |
| Tier 1 risk-based capital ratio | 12.3374% | 5,131 |
| Total risk-based capital ratio | 13.5949% | 5,043 |
| Memoranda: | ||
| Average total assets | $1,157,576,600 | 584 |
| Average earning assets | $1,049,915,800 | 585 |
| Average equity | $97,068,200 | 756 |
| Average total loans | $846,039,400 | 527 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0663% | 690 |
| Cost of funding earning assets | 0.3671% | 4,155 |
| Net interest margin | 4.6991% | 503 |
| Noninterest income to average assets | 0.5046% | 3,519 |
| Noninterest expense to average assets | 3.3904% | 1,697 |
| Loan and lease loss provision to assets | -0.0535% | 6,197 |
| Net operating income to assets | 1.4094% | 1,111 |
| Return on assets (ROA) | 1.4390% | 1,094 |
| Pretax return on assets | 1.4419% | 1,840 |
| Return on Equity (ROE) | 17.2563% | 522 |
| Retained earnings to average equity (ytd only) | 4.5399% | 3,414 |
| Net charge-offs to loans | 0.5991% | 621 |
| Credit loss provision to net charge-offs | -12.3596% | 5,252 |
| Earnings coverage of net charge-offs (x) | 3.1418% | 3,726 |
| Efficiency ratio | 70.8230% | 3,367 |
| Assets per employee ($millions) | 3.8521% | 4,187 |
| Cash dividends to net income (ytd only)* | 73.6914% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7317% | 1,880 |
| Loan loss allowance to noncurrent loans | 264.3094% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 1.5875% | 1,926 |
| Noncurrent loans to loans | 0.6552% | 3,975 |
| Net loans and leases to total assets | 73.3544% | 1,617 |
| Net loans and leases to deposits | 81.0521% | 2,542 |
| Net loans and leases to core deposits | 83.7311% | 2,914 |
| Total domestic deposits to total assets | 90.5028% | 525 |
| Equity capital to assets | 8.5390% | 5,770 |
| Core capital (leverage) ratio | 8.6243% | 5,533 |
| Tier 1 risk-based capital ratio | 13.1212% | 4,787 |
| Total risk-based capital ratio | 14.3799% | 4,712 |
| Memoranda: | ||
| Average total assets | $1,152,319,500 | 584 |
| Average earning assets | $1,040,872,750 | 588 |
| Average equity | $96,093,750 | 761 |
| Average total loans | $831,890,750 | 528 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9787% | 783 |
| Cost of funding earning assets | 0.3741% | 4,167 |
| Net interest margin | 4.6046% | 578 |
| Noninterest income to average assets | 0.6708% | 2,426 |
| Noninterest expense to average assets | 3.4181% | 1,637 |
| Loan and lease loss provision to assets | 0.0298% | 3,673 |
| Net operating income to assets | 1.3561% | 1,170 |
| Return on assets (ROA) | 1.3744% | 1,162 |
| Pretax return on assets | 1.3786% | 1,975 |
| Return on Equity (ROE) | 16.6171% | 593 |
| Retained earnings to average equity (ytd only) | 5.3020% | 2,762 |
| Net charge-offs to loans | 0.7943% | 478 |
| Credit loss provision to net charge-offs | 5.2648% | 3,357 |
| Earnings coverage of net charge-offs (x) | 2.4526% | 3,542 |
| Efficiency ratio | 70.5114% | 3,575 |
| Assets per employee ($millions) | 3.7653% | 4,324 |
| Cash dividends to net income (ytd only)* | 68.0929% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9054% | 1,573 |
| Loan loss allowance to noncurrent loans | 178.2113% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 2.1392% | 1,441 |
| Noncurrent loans to loans | 1.0692% | 3,095 |
| Net loans and leases to total assets | 72.6516% | 1,627 |
| Net loans and leases to deposits | 80.5889% | 2,440 |
| Net loans and leases to core deposits | 83.2701% | 2,814 |
| Total domestic deposits to total assets | 90.1508% | 736 |
| Equity capital to assets | 8.6698% | 5,642 |
| Core capital (leverage) ratio | 8.6610% | 5,455 |
| Tier 1 risk-based capital ratio | 13.8642% | 4,339 |
| Total risk-based capital ratio | 15.1265% | 4,281 |
| Memoranda: | ||
| Average total assets | $1,146,083,670 | 585 |
| Average earning assets | $1,029,794,000 | 594 |
| Average equity | $94,793,670 | 770 |
| Average total loans | $817,808,670 | 531 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8048% | 1,036 |
| Cost of funding earning assets | 0.3767% | 4,235 |
| Net interest margin | 4.4281% | 757 |
| Noninterest income to average assets | 0.8070% | 1,720 |
| Noninterest expense to average assets | 3.4610% | 1,568 |
| Loan and lease loss provision to assets | 0.3482% | 509 |
| Net operating income to assets | 0.9550% | 2,384 |
| Return on assets (ROA) | 0.9550% | 2,456 |
| Pretax return on assets | 0.9634% | 3,468 |
| Return on Equity (ROE) | 11.8338% | 1,458 |
| Retained earnings to average equity (ytd only) | 4.5314% | 3,400 |
| Net charge-offs to loans | 0.9744% | 347 |
| Credit loss provision to net charge-offs | 51.0518% | 2,188 |
| Earnings coverage of net charge-offs (x) | 1.9230% | 2,987 |
| Efficiency ratio | 71.9240% | 3,499 |
| Assets per employee ($millions) | 3.8565% | 4,224 |
| Cash dividends to net income (ytd only)* | 61.7076% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3108% | 1,009 |
| Loan loss allowance to noncurrent loans | 175.5946% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 2.6124% | 1,189 |
| Noncurrent loans to loans | 1.3160% | 2,830 |
| Net loans and leases to total assets | 68.5421% | 2,135 |
| Net loans and leases to deposits | 75.6298% | 2,853 |
| Net loans and leases to core deposits | 78.1791% | 3,184 |
| Total domestic deposits to total assets | 90.6285% | 725 |
| Equity capital to assets | 8.2424% | 5,876 |
| Core capital (leverage) ratio | 8.3786% | 5,769 |
| Tier 1 risk-based capital ratio | 14.2782% | 4,148 |
| Total risk-based capital ratio | 15.5468% | 4,083 |
| Memoranda: | ||
| Average total assets | $1,143,032,000 | 591 |
| Average earning assets | $1,023,634,000 | 601 |
| Average equity | $92,244,500 | 791 |
| Average total loans | $800,042,000 | 545 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2959% | 531 |
| Cost of funding earning assets | 0.4791% | 3,824 |
| Net interest margin | 4.8168% | 419 |
| Noninterest income to average assets | 0.8551% | 1,845 |
| Noninterest expense to average assets | 3.5363% | 1,575 |
| Loan and lease loss provision to assets | 0.2832% | 1,218 |
| Net operating income to assets | 1.2473% | 1,403 |
| Return on assets (ROA) | 1.2865% | 1,337 |
| Pretax return on assets | 1.2882% | 2,206 |
| Return on Equity (ROE) | 16.5280% | 561 |
| Retained earnings to average equity (ytd only) | 3.0025% | 4,101 |
| Net charge-offs to loans | 0.7555% | 838 |
| Credit loss provision to net charge-offs | 55.4908% | 3,689 |
| Earnings coverage of net charge-offs (x) | 3.0022% | 3,991 |
| Efficiency ratio | 69.1679% | 3,983 |
| Assets per employee ($millions) | 3.8667% | 4,120 |
| Cash dividends to net income (ytd only)* | 81.8338% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4034% | 928 |
| Loan loss allowance to noncurrent loans | 195.2838% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 2.6972% | 1,242 |
| Noncurrent loans to loans | 1.2307% | 3,085 |
| Net loans and leases to total assets | 68.1470% | 2,332 |
| Net loans and leases to deposits | 74.9412% | 3,109 |
| Net loans and leases to core deposits | 77.3910% | 3,436 |
| Total domestic deposits to total assets | 90.9340% | 600 |
| Equity capital to assets | 7.9007% | 6,087 |
| Core capital (leverage) ratio | 8.1956% | 5,980 |
| Tier 1 risk-based capital ratio | 14.0554% | 4,263 |
| Total risk-based capital ratio | 15.3257% | 4,190 |
| Memoranda: | ||
| Average total assets | $1,175,834,000 | 557 |
| Average earning assets | $1,028,542,000 | 580 |
| Average equity | $91,523,600 | 766 |
| Average total loans | $794,278,400 | 527 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3579% | 482 |
| Cost of funding earning assets | 0.5018% | 3,751 |
| Net interest margin | 4.8561% | 390 |
| Noninterest income to average assets | 0.9050% | 1,743 |
| Noninterest expense to average assets | 3.4828% | 1,646 |
| Loan and lease loss provision to assets | 0.3481% | 926 |
| Net operating income to assets | 1.2984% | 1,357 |
| Return on assets (ROA) | 1.3504% | 1,271 |
| Pretax return on assets | 1.3527% | 2,112 |
| Return on Equity (ROE) | 17.4131% | 498 |
| Retained earnings to average equity (ytd only) | 5.2229% | 2,915 |
| Net charge-offs to loans | 0.5771% | 1,089 |
| Credit loss provision to net charge-offs | 90.0204% | 2,637 |
| Earnings coverage of net charge-offs (x) | 4.2641% | 3,486 |
| Efficiency ratio | 67.2684% | 4,241 |
| Assets per employee ($millions) | 3.7927% | 4,263 |
| Cash dividends to net income (ytd only)* | 70.0058% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7379% | 712 |
| Loan loss allowance to noncurrent loans | 201.0579% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 2.9694% | 1,249 |
| Noncurrent loans to loans | 1.3617% | 3,137 |
| Net loans and leases to total assets | 66.5355% | 2,555 |
| Net loans and leases to deposits | 73.1765% | 3,365 |
| Net loans and leases to core deposits | 75.4974% | 3,673 |
| Total domestic deposits to total assets | 90.9246% | 569 |
| Equity capital to assets | 8.0260% | 6,137 |
| Core capital (leverage) ratio | 8.2162% | 6,045 |
| Tier 1 risk-based capital ratio | 14.7173% | 3,939 |
| Total risk-based capital ratio | 15.9924% | 3,881 |
| Memoranda: | ||
| Average total assets | $1,181,726,000 | 554 |
| Average earning assets | $1,028,528,750 | 580 |
| Average equity | $91,645,250 | 770 |
| Average total loans | $791,705,000 | 530 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6001% | 319 |
| Cost of funding earning assets | 0.5312% | 3,589 |
| Net interest margin | 5.0690% | 275 |
| Noninterest income to average assets | 0.5338% | 3,614 |
| Noninterest expense to average assets | 3.4853% | 1,638 |
| Loan and lease loss provision to assets | 0.0824% | 3,422 |
| Net operating income to assets | 1.3556% | 1,179 |
| Return on assets (ROA) | 1.4331% | 1,100 |
| Pretax return on assets | 1.4364% | 1,816 |
| Return on Equity (ROE) | 18.6902% | 410 |
| Retained earnings to average equity (ytd only) | 5.8107% | 2,550 |
| Net charge-offs to loans | 0.6032% | 1,097 |
| Credit loss provision to net charge-offs | 20.5193% | 3,725 |
| Earnings coverage of net charge-offs (x) | 3.5913% | 3,352 |
| Efficiency ratio | 70.1098% | 3,807 |
| Assets per employee ($millions) | 3.6674% | 4,477 |
| Cash dividends to net income (ytd only)* | 68.9105% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5483% | 936 |
| Loan loss allowance to noncurrent loans | 151.2371% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 3.5399% | 1,075 |
| Noncurrent loans to loans | 1.6850% | 2,791 |
| Net loans and leases to total assets | 66.9952% | 2,413 |
| Net loans and leases to deposits | 73.6032% | 3,214 |
| Net loans and leases to core deposits | 76.2390% | 3,519 |
| Total domestic deposits to total assets | 91.0221% | 531 |
| Equity capital to assets | 7.9904% | 6,203 |
| Core capital (leverage) ratio | 8.0791% | 6,122 |
| Tier 1 risk-based capital ratio | 14.9562% | 3,805 |
| Total risk-based capital ratio | 16.2304% | 3,757 |
| Memoranda: | ||
| Average total assets | $1,190,039,330 | 551 |
| Average earning assets | $1,031,294,000 | 580 |
| Average equity | $91,245,670 | 776 |
| Average total loans | $791,827,000 | 523 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6524% | 291 |
| Cost of funding earning assets | 0.5653% | 3,426 |
| Net interest margin | 5.0871% | 244 |
| Noninterest income to average assets | 0.6847% | 2,677 |
| Noninterest expense to average assets | 3.5666% | 1,479 |
| Loan and lease loss provision to assets | 0.1750% | 2,119 |
| Net operating income to assets | 1.3161% | 1,241 |
| Return on assets (ROA) | 1.3720% | 1,188 |
| Pretax return on assets | 1.3769% | 1,930 |
| Return on Equity (ROE) | 18.2577% | 418 |
| Retained earnings to average equity (ytd only) | 6.4170% | 2,450 |
| Net charge-offs to loans | 0.2456% | 1,983 |
| Credit loss provision to net charge-offs | 108.8296% | 1,706 |
| Earnings coverage of net charge-offs (x) | 9.3018% | 1,853 |
| Efficiency ratio | 69.8284% | 4,005 |
| Assets per employee ($millions) | 3.9089% | 4,139 |
| Cash dividends to net income (ytd only)* | 64.8532% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8074% | 814 |
| Loan loss allowance to noncurrent loans | 172.7323% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 3.9262% | 1,033 |
| Noncurrent loans to loans | 1.6253% | 3,101 |
| Net loans and leases to total assets | 62.7986% | 2,918 |
| Net loans and leases to deposits | 68.5990% | 3,690 |
| Net loans and leases to core deposits | 70.7752% | 3,974 |
| Total domestic deposits to total assets | 91.5446% | 343 |
| Equity capital to assets | 7.5264% | 6,585 |
| Core capital (leverage) ratio | 7.2916% | 6,549 |
| Tier 1 risk-based capital ratio | 14.0200% | 4,491 |
| Total risk-based capital ratio | 15.2987% | 4,431 |
| Memoranda: | ||
| Average total assets | $1,211,114,000 | 547 |
| Average earning assets | $1,042,317,000 | 579 |
| Average equity | $91,008,000 | 784 |
| Average total loans | $793,170,000 | 521 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7322% | 413 |
| Cost of funding earning assets | 0.7617% | 2,999 |
| Net interest margin | 4.9705% | 403 |
| Noninterest income to average assets | 1.5338% | 668 |
| Noninterest expense to average assets | 3.5905% | 1,627 |
| Loan and lease loss provision to assets | 0.3332% | 2,033 |
| Net operating income to assets | 1.6702% | 658 |
| Return on assets (ROA) | 1.7015% | 696 |
| Pretax return on assets | 1.7035% | 1,129 |
| Return on Equity (ROE) | 22.8606% | 187 |
| Retained earnings to average equity (ytd only) | 7.2160% | 1,461 |
| Net charge-offs to loans | 0.8251% | 1,412 |
| Credit loss provision to net charge-offs | 59.9337% | 4,449 |
| Earnings coverage of net charge-offs (x) | 3.6072% | 3,663 |
| Efficiency ratio | 63.4471% | 4,986 |
| Assets per employee ($millions) | 3.8796% | 4,202 |
| Cash dividends to net income (ytd only)* | 68.4349% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7480% | 879 |
| Loan loss allowance to noncurrent loans | 213.5455% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 3.6959% | 1,205 |
| Noncurrent loans to loans | 1.2869% | 3,687 |
| Net loans and leases to total assets | 64.5520% | 2,804 |
| Net loans and leases to deposits | 70.5461% | 3,630 |
| Net loans and leases to core deposits | 72.9952% | 3,921 |
| Total domestic deposits to total assets | 91.5032% | 338 |
| Equity capital to assets | 7.5023% | 6,632 |
| Core capital (leverage) ratio | 7.0485% | 6,686 |
| Tier 1 risk-based capital ratio | 13.8618% | 4,485 |
| Total risk-based capital ratio | 15.1408% | 4,423 |
| Memoranda: | ||
| Average total assets | $1,138,934,400 | 576 |
| Average earning assets | $930,819,000 | 647 |
| Average equity | $84,770,400 | 829 |
| Average total loans | $767,448,200 | 535 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0913% | 252 |
| Cost of funding earning assets | 0.8267% | 2,733 |
| Net interest margin | 5.2646% | 264 |
| Noninterest income to average assets | 1.2532% | 956 |
| Noninterest expense to average assets | 3.3679% | 2,092 |
| Loan and lease loss provision to assets | 0.2844% | 2,291 |
| Net operating income to assets | 1.8416% | 524 |
| Return on assets (ROA) | 1.8832% | 552 |
| Pretax return on assets | 1.8901% | 893 |
| Return on Equity (ROE) | 25.3563% | 136 |
| Retained earnings to average equity (ytd only) | 8.9374% | 1,254 |
| Net charge-offs to loans | 0.7746% | 1,426 |
| Credit loss provision to net charge-offs | 54.2630% | 4,300 |
| Earnings coverage of net charge-offs (x) | 4.0701% | 3,412 |
| Efficiency ratio | 61.1393% | 5,291 |
| Assets per employee ($millions) | 3.9211% | 4,036 |
| Cash dividends to net income (ytd only)* | 64.7526% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7653% | 915 |
| Loan loss allowance to noncurrent loans | 219.9570% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 4.0173% | 1,200 |
| Noncurrent loans to loans | 1.2572% | 3,954 |
| Net loans and leases to total assets | 65.5904% | 2,726 |
| Net loans and leases to deposits | 73.6547% | 3,349 |
| Net loans and leases to core deposits | 76.1339% | 3,709 |
| Total domestic deposits to total assets | 89.0512% | 1,398 |
| Equity capital to assets | 7.4823% | 6,777 |
| Core capital (leverage) ratio | 7.2129% | 6,744 |
| Tier 1 risk-based capital ratio | 14.1347% | 4,433 |
| Total risk-based capital ratio | 15.4156% | 4,370 |
| Memoranda: | ||
| Average total assets | $1,122,027,750 | 590 |
| Average earning assets | $905,268,250 | 663 |
| Average equity | $83,333,000 | 842 |
| Average total loans | $759,093,500 | 536 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5844% | 133 |
| Cost of funding earning assets | 0.8144% | 3,080 |
| Net interest margin | 5.7699% | 120 |
| Noninterest income to average assets | 1.0515% | 1,310 |
| Noninterest expense to average assets | 3.3737% | 2,094 |
| Loan and lease loss provision to assets | 0.5454% | 1,131 |
| Net operating income to assets | 1.7005% | 669 |
| Return on assets (ROA) | 1.7645% | 673 |
| Pretax return on assets | 1.7681% | 1,099 |
| Return on Equity (ROE) | 23.8229% | 186 |
| Retained earnings to average equity (ytd only) | 2.4398% | 4,964 |
| Net charge-offs to loans | 0.7713% | 1,426 |
| Credit loss provision to net charge-offs | 104.4118% | 2,609 |
| Earnings coverage of net charge-offs (x) | 4.3064% | 3,122 |
| Efficiency ratio | 59.8653% | 5,598 |
| Assets per employee ($millions) | 3.6356% | 4,674 |
| Cash dividends to net income (ytd only)* | 89.7585% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3756% | 555 |
| Loan loss allowance to noncurrent loans | 280.3204% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 4.1224% | 1,219 |
| Noncurrent loans to loans | 1.2042% | 4,145 |
| Net loans and leases to total assets | 66.0683% | 2,656 |
| Net loans and leases to deposits | 74.7654% | 3,162 |
| Net loans and leases to core deposits | 77.3135% | 3,615 |
| Total domestic deposits to total assets | 88.3674% | 1,917 |
| Equity capital to assets | 7.6353% | 6,747 |
| Core capital (leverage) ratio | 7.3311% | 6,699 |
| Tier 1 risk-based capital ratio | 15.1385% | 3,672 |
| Total risk-based capital ratio | 16.4316% | 3,610 |
| Memoranda: | ||
| Average total assets | $1,093,470,670 | 603 |
| Average earning assets | $866,387,670 | 695 |
| Average equity | $80,989,330 | 858 |
| Average total loans | $740,570,330 | 554 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7758% | 118 |
| Cost of funding earning assets | 0.7944% | 3,518 |
| Net interest margin | 5.9813% | 104 |
| Noninterest income to average assets | 2.1245% | 368 |
| Noninterest expense to average assets | 3.3146% | 2,246 |
| Loan and lease loss provision to assets | 1.6191% | 208 |
| Net operating income to assets | 1.9198% | 480 |
| Return on assets (ROA) | 1.9187% | 552 |
| Pretax return on assets | 1.9259% | 834 |
| Return on Equity (ROE) | 26.2971% | 150 |
| Retained earnings to average equity (ytd only) | 2.5087% | 5,004 |
| Net charge-offs to loans | 0.5956% | 1,601 |
| Credit loss provision to net charge-offs | 403.2432% | 780 |
| Earnings coverage of net charge-offs (x) | 8.8315% | 1,916 |
| Efficiency ratio | 48.3128% | 6,781 |
| Assets per employee ($millions) | 3.7377% | 4,565 |
| Cash dividends to net income (ytd only)* | 90.4600% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7695% | 441 |
| Loan loss allowance to noncurrent loans | 396.5194% | 854 |
| Noncurrent assets plus other real estate owned to assets | 3.7363% | 1,502 |
| Noncurrent loans to loans | 0.9506% | 4,774 |
| Net loans and leases to total assets | 65.2851% | 2,602 |
| Net loans and leases to deposits | 74.5170% | 3,042 |
| Net loans and leases to core deposits | 77.1092% | 3,456 |
| Total domestic deposits to total assets | 87.6110% | 2,582 |
| Equity capital to assets | 7.4300% | 6,805 |
| Core capital (leverage) ratio | 7.1404% | 6,784 |
| Tier 1 risk-based capital ratio | 14.9557% | 3,786 |
| Total risk-based capital ratio | 16.2561% | 3,717 |
| Memoranda: | ||
| Average total assets | $1,105,767,000 | 599 |
| Average earning assets | $875,593,000 | 686 |
| Average equity | $80,678,000 | 856 |
| Average total loans | $745,425,500 | 546 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6173% | 155 |
| Cost of funding earning assets | 1.0461% | 3,051 |
| Net interest margin | 5.5712% | 159 |
| Noninterest income to average assets | 2.8743% | 221 |
| Noninterest expense to average assets | 3.5253% | 1,925 |
| Loan and lease loss provision to assets | 1.8032% | 368 |
| Net operating income to assets | 2.1349% | 251 |
| Return on assets (ROA) | 2.2085% | 234 |
| Pretax return on assets | 2.2092% | 362 |
| Return on Equity (ROE) | 27.2594% | 71 |
| Retained earnings to average equity (ytd only) | 14.9925% | 135 |
| Net charge-offs to loans | 1.0239% | 1,706 |
| Credit loss provision to net charge-offs | 251.9993% | 956 |
| Earnings coverage of net charge-offs (x) | 5.5046% | 2,768 |
| Efficiency ratio | 47.0454% | 6,997 |
| Assets per employee ($millions) | 4.3754% | 3,105 |
| Cash dividends to net income (ytd only)* | 45.0005% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2709% | 637 |
| Loan loss allowance to noncurrent loans | 371.4437% | 899 |
| Noncurrent assets plus other real estate owned to assets | 3.6212% | 1,621 |
| Noncurrent loans to loans | 0.8806% | 4,929 |
| Net loans and leases to total assets | 64.8024% | 3,026 |
| Net loans and leases to deposits | 76.4606% | 3,102 |
| Net loans and leases to core deposits | 80.8289% | 3,337 |
| Total domestic deposits to total assets | 84.7526% | 3,981 |
| Equity capital to assets | 7.1656% | 6,917 |
| Core capital (leverage) ratio | 7.1041% | 6,831 |
| Tier 1 risk-based capital ratio | 14.3709% | 4,065 |
| Total risk-based capital ratio | 15.6614% | 4,010 |
| Memoranda: | ||
| Average total assets | $842,292,000 | 774 |
| Average earning assets | $693,903,600 | 869 |
| Average equity | $68,240,800 | 985 |
| Average total loans | $588,620,400 | 715 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1710% | 344 |
| Cost of funding earning assets | 1.1403% | 2,698 |
| Net interest margin | 5.0306% | 389 |
| Noninterest income to average assets | 1.4492% | 627 |
| Noninterest expense to average assets | 3.2908% | 2,527 |
| Loan and lease loss provision to assets | 1.0886% | 759 |
| Net operating income to assets | 1.2599% | 1,485 |
| Return on assets (ROA) | 1.3655% | 1,315 |
| Pretax return on assets | 1.3665% | 2,059 |
| Return on Equity (ROE) | 16.1769% | 660 |
| Retained earnings to average equity (ytd only) | 5.2016% | 3,061 |
| Net charge-offs to loans | 0.8797% | 1,815 |
| Credit loss provision to net charge-offs | 174.4540% | 1,708 |
| Earnings coverage of net charge-offs (x) | 3.7653% | 3,304 |
| Efficiency ratio | 58.0473% | 6,004 |
| Assets per employee ($millions) | 3.8362% | 4,226 |
| Cash dividends to net income (ytd only)* | 67.8458% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2630% | 681 |
| Loan loss allowance to noncurrent loans | 303.4072% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 3.6287% | 1,732 |
| Noncurrent loans to loans | 1.0754% | 4,761 |
| Net loans and leases to total assets | 67.8170% | 2,514 |
| Net loans and leases to deposits | 81.1065% | 2,511 |
| Net loans and leases to core deposits | 86.9910% | 2,641 |
| Total domestic deposits to total assets | 83.6147% | 4,423 |
| Equity capital to assets | 8.4656% | 6,334 |
| Core capital (leverage) ratio | 8.2507% | 6,055 |
| Tier 1 risk-based capital ratio | 14.5095% | 3,972 |
| Total risk-based capital ratio | 15.7846% | 3,930 |
| Memoranda: | ||
| Average total assets | $772,837,000 | 857 |
| Average earning assets | $643,880,250 | 930 |
| Average equity | $65,235,250 | 1,038 |
| Average total loans | $548,174,500 | 775 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3631% | 253 |
| Cost of funding earning assets | 1.1896% | 2,648 |
| Net interest margin | 5.1735% | 292 |
| Noninterest income to average assets | 1.3264% | 717 |
| Noninterest expense to average assets | 3.3495% | 2,404 |
| Loan and lease loss provision to assets | 1.0378% | 822 |
| Net operating income to assets | 1.2026% | 1,562 |
| Return on assets (ROA) | 1.3353% | 1,303 |
| Pretax return on assets | 1.3379% | 2,007 |
| Return on Equity (ROE) | 15.8348% | 687 |
| Retained earnings to average equity (ytd only) | 7.4180% | 1,691 |
| Net charge-offs to loans | 0.7839% | 1,933 |
| Credit loss provision to net charge-offs | 185.8944% | 1,624 |
| Earnings coverage of net charge-offs (x) | 4.0177% | 2,989 |
| Efficiency ratio | 59.4414% | 5,954 |
| Assets per employee ($millions) | 3.7361% | 4,345 |
| Cash dividends to net income (ytd only)* | 53.1537% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1338% | 801 |
| Loan loss allowance to noncurrent loans | 311.2778% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 4.0162% | 1,592 |
| Noncurrent loans to loans | 1.0067% | 4,983 |
| Net loans and leases to total assets | 69.1723% | 2,380 |
| Net loans and leases to deposits | 83.0287% | 2,269 |
| Net loans and leases to core deposits | 88.3946% | 2,581 |
| Total domestic deposits to total assets | 83.3113% | 4,632 |
| Equity capital to assets | 8.6225% | 6,034 |
| Core capital (leverage) ratio | 8.4217% | 5,675 |
| Tier 1 risk-based capital ratio | 13.9958% | 4,178 |
| Total risk-based capital ratio | 15.2764% | 4,131 |
| Memoranda: | ||
| Average total assets | $767,029,670 | 876 |
| Average earning assets | $632,493,000 | 948 |
| Average equity | $64,680,330 | 1,044 |
| Average total loans | $546,230,330 | 785 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0184% | 453 |
| Cost of funding earning assets | 1.2432% | 2,548 |
| Net interest margin | 4.7752% | 598 |
| Noninterest income to average assets | 1.8884% | 394 |
| Noninterest expense to average assets | 3.3490% | 2,407 |
| Loan and lease loss provision to assets | 1.3164% | 519 |
| Net operating income to assets | 1.1325% | 1,730 |
| Return on assets (ROA) | 1.1915% | 1,591 |
| Pretax return on assets | 1.1968% | 2,383 |
| Return on Equity (ROE) | 14.2920% | 936 |
| Retained earnings to average equity (ytd only) | 12.1805% | 711 |
| Net charge-offs to loans | 0.5891% | 2,021 |
| Credit loss provision to net charge-offs | 314.2145% | 1,028 |
| Earnings coverage of net charge-offs (x) | 5.8579% | 2,198 |
| Efficiency ratio | 56.8278% | 6,403 |
| Assets per employee ($millions) | 3.5415% | 4,898 |
| Cash dividends to net income (ytd only)* | 14.7742% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1933% | 772 |
| Loan loss allowance to noncurrent loans | 265.3942% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 4.9946% | 1,261 |
| Noncurrent loans to loans | 1.2032% | 4,675 |
| Net loans and leases to total assets | 68.7315% | 2,397 |
| Net loans and leases to deposits | 82.8960% | 2,198 |
| Net loans and leases to core deposits | 89.5051% | 2,406 |
| Total domestic deposits to total assets | 82.9129% | 4,965 |
| Equity capital to assets | 8.6083% | 5,765 |
| Core capital (leverage) ratio | 8.3963% | 5,632 |
| Tier 1 risk-based capital ratio | 14.4331% | 3,785 |
| Total risk-based capital ratio | 15.7152% | 3,720 |
| Memoranda: | ||
| Average total assets | $765,730,000 | 879 |
| Average earning assets | $627,737,500 | 963 |
| Average equity | $63,840,000 | 1,048 |
| Average total loans | $544,549,000 | 795 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5723% | 75 |
| Cost of funding earning assets | 1.5028% | 2,623 |
| Net interest margin | 6.0695% | 94 |
| Noninterest income to average assets | 0.5288% | 3,966 |
| Noninterest expense to average assets | 3.4204% | 2,378 |
| Loan and lease loss provision to assets | 0.7071% | 2,320 |
| Net operating income to assets | 1.3428% | 1,074 |
| Return on assets (ROA) | 1.3478% | 1,135 |
| Pretax return on assets | 1.3488% | 1,805 |
| Return on Equity (ROE) | 17.3190% | 448 |
| Retained earnings to average equity (ytd only) | 2.5834% | 4,051 |
| Net charge-offs to loans | 0.9799% | 2,224 |
| Credit loss provision to net charge-offs | 100.8871% | 4,506 |
| Earnings coverage of net charge-offs (x) | 2.9261% | 3,612 |
| Efficiency ratio | 62.4031% | 5,660 |
| Assets per employee ($millions) | 4.0058% | 3,775 |
| Cash dividends to net income (ytd only)* | 85.0837% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7792% | 1,081 |
| Loan loss allowance to noncurrent loans | 658.8437% | 510 |
| Noncurrent assets plus other real estate owned to assets | 4.5735% | 1,463 |
| Noncurrent loans to loans | 0.4218% | 6,204 |
| Net loans and leases to total assets | 69.2483% | 2,714 |
| Net loans and leases to deposits | 83.0733% | 2,613 |
| Net loans and leases to core deposits | 91.5685% | 2,549 |
| Total domestic deposits to total assets | 83.3581% | 4,659 |
| Equity capital to assets | 8.0739% | 6,410 |
| Core capital (leverage) ratio | 7.8671% | 6,360 |
| Tier 1 risk-based capital ratio | 14.0532% | 3,834 |
| Total risk-based capital ratio | 15.3308% | 3,787 |
| Memoranda: | ||
| Average total assets | $820,204,000 | 823 |
| Average earning assets | $667,908,800 | 915 |
| Average equity | $63,831,600 | 1,043 |
| Average total loans | $586,709,400 | 761 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0258% | 58 |
| Cost of funding earning assets | 1.5554% | 2,635 |
| Net interest margin | 6.4705% | 68 |
| Noninterest income to average assets | 0.2809% | 5,862 |
| Noninterest expense to average assets | 3.6446% | 1,686 |
| Loan and lease loss provision to assets | 0.3851% | 3,578 |
| Net operating income to assets | 1.5150% | 895 |
| Return on assets (ROA) | 1.5216% | 962 |
| Pretax return on assets | 1.5224% | 1,554 |
| Return on Equity (ROE) | 19.7239% | 323 |
| Retained earnings to average equity (ytd only) | 4.3200% | 3,459 |
| Net charge-offs to loans | 0.7634% | 2,518 |
| Credit loss provision to net charge-offs | 70.4432% | 5,408 |
| Earnings coverage of net charge-offs (x) | 3.4773% | 3,433 |
| Efficiency ratio | 65.6588% | 4,931 |
| Assets per employee ($millions) | 3.5791% | 4,779 |
| Cash dividends to net income (ytd only)* | 78.0977% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4933% | 1,338 |
| Loan loss allowance to noncurrent loans | 321.7157% | 920 |
| Noncurrent assets plus other real estate owned to assets | 4.8152% | 1,369 |
| Noncurrent loans to loans | 0.7750% | 5,664 |
| Net loans and leases to total assets | 69.2640% | 2,913 |
| Net loans and leases to deposits | 83.3375% | 2,824 |
| Net loans and leases to core deposits | 91.9857% | 2,798 |
| Total domestic deposits to total assets | 83.1126% | 4,545 |
| Equity capital to assets | 7.9583% | 6,834 |
| Core capital (leverage) ratio | 7.6951% | 6,676 |
| Tier 1 risk-based capital ratio | 14.0573% | 3,791 |
| Total risk-based capital ratio | 15.3311% | 3,747 |
| Memoranda: | ||
| Average total assets | $830,972,750 | 813 |
| Average earning assets | $676,100,750 | 905 |
| Average equity | $64,103,250 | 1,041 |
| Average total loans | $595,003,500 | 750 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8687% | 49 |
| Cost of funding earning assets | 1.6415% | 2,427 |
| Net interest margin | 7.2272% | 52 |
| Noninterest income to average assets | -0.1513% | 7,659 |
| Noninterest expense to average assets | 3.6267% | 1,718 |
| Loan and lease loss provision to assets | 0.2147% | 4,743 |
| Net operating income to assets | 1.8563% | 440 |
| Return on assets (ROA) | 1.8293% | 499 |
| Pretax return on assets | 1.8301% | 838 |
| Return on Equity (ROE) | 23.9575% | 150 |
| Retained earnings to average equity (ytd only) | 9.3949% | 984 |
| Net charge-offs to loans | 0.7072% | 2,449 |
| Credit loss provision to net charge-offs | 42.2932% | 5,567 |
| Earnings coverage of net charge-offs (x) | 4.0808% | 3,060 |
| Efficiency ratio | 63.5728% | 5,419 |
| Assets per employee ($millions) | 3.5811% | 4,733 |
| Cash dividends to net income (ytd only)* | 60.7851% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3485% | 1,512 |
| Loan loss allowance to noncurrent loans | 176.4890% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 4.8613% | 1,337 |
| Noncurrent loans to loans | 1.3307% | 4,727 |
| Net loans and leases to total assets | 71.8316% | 2,447 |
| Net loans and leases to deposits | 88.0454% | 2,160 |
| Net loans and leases to core deposits | 96.9556% | 2,334 |
| Total domestic deposits to total assets | 81.5847% | 5,160 |
| Equity capital to assets | 7.9801% | 6,773 |
| Core capital (leverage) ratio | 7.6995% | 6,609 |
| Tier 1 risk-based capital ratio | 14.2985% | 3,541 |
| Total risk-based capital ratio | 15.5722% | 3,500 |
| Memoranda: | ||
| Average total assets | $838,336,330 | 807 |
| Average earning assets | $678,544,670 | 909 |
| Average equity | $64,013,330 | 1,038 |
| Average total loans | $601,808,000 | 749 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.8207% | 32 |
| Cost of funding earning assets | 1.6825% | 2,473 |
| Net interest margin | 10.1382% | 34 |
| Noninterest income to average assets | -0.7131% | 7,879 |
| Noninterest expense to average assets | 4.2983% | 725 |
| Loan and lease loss provision to assets | 0.4239% | 2,838 |
| Net operating income to assets | 2.7063% | 117 |
| Return on assets (ROA) | 2.6305% | 131 |
| Pretax return on assets | 2.6315% | 202 |
| Return on Equity (ROE) | 35.2133% | 51 |
| Retained earnings to average equity (ytd only) | 28.3472% | 79 |
| Net charge-offs to loans | 0.0691% | 4,721 |
| Credit loss provision to net charge-offs | 865.3846% | 536 |
| Earnings coverage of net charge-offs (x) | 63.9231% | 479 |
| Efficiency ratio | 57.8547% | 6,507 |
| Assets per employee ($millions) | 3.9504% | 3,994 |
| Cash dividends to net income (ytd only)* | 19.4987% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6518% | 1,124 |
| Loan loss allowance to noncurrent loans | 262.1323% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 4.3500% | 1,562 |
| Noncurrent loans to loans | 1.0116% | 5,302 |
| Net loans and leases to total assets | 70.6979% | 2,761 |
| Net loans and leases to deposits | 85.4692% | 2,687 |
| Net loans and leases to core deposits | 94.9146% | 2,715 |
| Total domestic deposits to total assets | 82.7174% | 4,749 |
| Equity capital to assets | 7.8655% | 6,794 |
| Core capital (leverage) ratio | 7.6412% | 6,689 |
| Tier 1 risk-based capital ratio | 14.9180% | 3,142 |
| Total risk-based capital ratio | 16.1982% | 3,093 |
| Memoranda: | ||
| Average total assets | $849,262,000 | 810 |
| Average earning assets | $682,093,500 | 925 |
| Average equity | $63,442,000 | 1,054 |
| Average total loans | $602,412,500 | 766 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5988% | 3,619 |
| Cost of funding earning assets | 1.7354% | 4,331 |
| Net interest margin | 3.8634% | 3,419 |
| Noninterest income to average assets | 5.3564% | 133 |
| Noninterest expense to average assets | 2.9471% | 4,353 |
| Loan and lease loss provision to assets | 2.2598% | 913 |
| Net operating income to assets | 3.4883% | 45 |
| Return on assets (ROA) | 3.5307% | 44 |
| Pretax return on assets | 3.5314% | 61 |
| Return on Equity (ROE) | 44.8397% | 17 |
| Retained earnings to average equity (ytd only) | 37.3280% | 10 |
| Net charge-offs to loans | 0.3616% | 4,418 |
| Credit loss provision to net charge-offs | 824.8436% | 353 |
| Earnings coverage of net charge-offs (x) | 20.9837% | 1,015 |
| Efficiency ratio | 33.8906% | 7,914 |
| Assets per employee ($millions) | 4.0615% | 3,688 |
| Cash dividends to net income (ytd only)* | 16.7525% | 3,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5700% | 1,150 |
| Loan loss allowance to noncurrent loans | 236.9129% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 3.7270% | 1,788 |
| Noncurrent loans to loans | 1.0848% | 5,151 |
| Net loans and leases to total assets | 67.5089% | 3,815 |
| Net loans and leases to deposits | 81.3634% | 3,726 |
| Net loans and leases to core deposits | 98.1945% | 4,205 |
| Total domestic deposits to total assets | 82.9721% | 4,529 |
| Equity capital to assets | 7.0858% | 7,333 |
| Core capital (leverage) ratio | 7.1894% | 7,083 |
| Tier 1 risk-based capital ratio | 13.4149% | 3,874 |
| Total risk-based capital ratio | 14.6914% | 3,805 |
| Memoranda: | ||
| Average total assets | $583,285,600 | 1,177 |
| Average earning assets | $504,199,200 | 1,252 |
| Average equity | $45,928,000 | 1,466 |
| Average total loans | $441,973,200 | 1,084 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0273% | 6,523 |
| Cost of funding earning assets | 1.6006% | 5,400 |
| Net interest margin | 3.4266% | 5,165 |
| Noninterest income to average assets | 1.5348% | 630 |
| Noninterest expense to average assets | 2.4040% | 6,405 |
| Loan and lease loss provision to assets | 0.5662% | 3,123 |
| Net operating income to assets | 1.6448% | 611 |
| Return on assets (ROA) | 1.7203% | 570 |
| Pretax return on assets | 1.7213% | 928 |
| Return on Equity (ROE) | 20.9686% | 261 |
| Retained earnings to average equity (ytd only) | 13.2232% | 244 |
| Net charge-offs to loans | 0.1769% | 4,986 |
| Credit loss provision to net charge-offs | 407.8505% | 976 |
| Earnings coverage of net charge-offs (x) | 15.9345% | 1,507 |
| Efficiency ratio | 52.0798% | 7,405 |
| Assets per employee ($millions) | 8.4500% | 439 |
| Cash dividends to net income (ytd only)* | 36.9381% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 6,016 |
| Loan loss allowance to noncurrent loans | 25.0883% | 6,782 |
| Noncurrent assets plus other real estate owned to assets | 5.3847% | 1,072 |
| Noncurrent loans to loans | 4.1790% | 1,731 |
| Net loans and leases to total assets | 66.2419% | 4,376 |
| Net loans and leases to deposits | 78.6662% | 4,626 |
| Net loans and leases to core deposits | 93.4299% | 5,078 |
| Total domestic deposits to total assets | 84.2063% | 3,626 |
| Equity capital to assets | 6.2869% | 7,807 |
| Core capital (leverage) ratio | 8.5110% | 5,470 |
| Tier 1 risk-based capital ratio | 11.1532% | 5,807 |
| Total risk-based capital ratio | 12.4034% | 5,747 |
| Memoranda: | ||
| Average total assets | $513,848,500 | 1,356 |
| Average earning assets | $462,055,250 | 1,379 |
| Average equity | $42,157,250 | 1,602 |
| Average total loans | $403,314,500 | 1,214 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4403% | 4,939 |
| Cost of funding earning assets | 1.6220% | 5,655 |
| Net interest margin | 3.8183% | 3,467 |
| Noninterest income to average assets | 0.7295% | 2,816 |
| Noninterest expense to average assets | 2.8665% | 4,654 |
| Loan and lease loss provision to assets | 0.2015% | 5,043 |
| Net operating income to assets | 1.2285% | 1,408 |
| Return on assets (ROA) | 1.3549% | 1,187 |
| Pretax return on assets | 1.3563% | 1,847 |
| Return on Equity (ROE) | 14.4905% | 907 |
| Retained earnings to average equity (ytd only) | 5.6416% | 2,186 |
| Net charge-offs to loans | 0.2174% | 4,140 |
| Credit loss provision to net charge-offs | 108.5427% | 4,259 |
| Earnings coverage of net charge-offs (x) | 7.7111% | 2,402 |
| Efficiency ratio | 66.6956% | 5,419 |
| Assets per employee ($millions) | 5.1351% | 1,929 |
| Cash dividends to net income (ytd only)* | 61.0671% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 5,962 |
| Loan loss allowance to noncurrent loans | 793.2914% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.6677% | 5,743 |
| Noncurrent loans to loans | 0.1312% | 7,190 |
| Net loans and leases to total assets | 83.4087% | 726 |
| Net loans and leases to deposits | 102.3743% | 1,048 |
| Net loans and leases to core deposits | 117.9761% | 2,545 |
| Total domestic deposits to total assets | 81.4743% | 4,904 |
| Equity capital to assets | 9.2969% | 4,875 |
| Core capital (leverage) ratio | 9.3883% | 4,043 |
| Tier 1 risk-based capital ratio | 10.3997% | 6,481 |
| Total risk-based capital ratio | 11.3907% | 6,707 |
| Memoranda: | ||
| Average total assets | $428,814,670 | 1,652 |
| Average earning assets | $400,750,330 | 1,618 |
| Average equity | $40,095,330 | 1,694 |
| Average total loans | $366,164,670 | 1,362 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4479% | 5,184 |
| Cost of funding earning assets | 1.7240% | 5,503 |
| Net interest margin | 3.7239% | 3,785 |
| Noninterest income to average assets | 0.5754% | 3,723 |
| Noninterest expense to average assets | 2.6224% | 5,357 |
| Loan and lease loss provision to assets | 0.1057% | 5,616 |
| Net operating income to assets | 1.3191% | 1,339 |
| Return on assets (ROA) | 1.4258% | 1,173 |
| Pretax return on assets | 1.4258% | 1,895 |
| Return on Equity (ROE) | 15.2050% | 938 |
| Retained earnings to average equity (ytd only) | 10.4260% | 1,088 |
| Net charge-offs to loans | 0.1644% | 3,650 |
| Credit loss provision to net charge-offs | 74.8344% | 4,271 |
| Earnings coverage of net charge-offs (x) | 10.0861% | 1,981 |
| Efficiency ratio | 64.7943% | 5,545 |
| Assets per employee ($millions) | 5.1127% | 1,944 |
| Cash dividends to net income (ytd only)* | 31.4304% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 6,108 |
| Loan loss allowance to noncurrent loans | 575.5039% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.8851% | 4,982 |
| Noncurrent loans to loans | 0.1756% | 7,022 |
| Net loans and leases to total assets | 85.7056% | 486 |
| Net loans and leases to deposits | 113.8343% | 454 |
| Net loans and leases to core deposits | 126.7309% | 1,869 |
| Total domestic deposits to total assets | 75.2897% | 6,645 |
| Equity capital to assets | 9.6094% | 4,512 |
| Core capital (leverage) ratio | 9.4347% | 4,062 |
| Tier 1 risk-based capital ratio | 10.5296% | 6,367 |
| Total risk-based capital ratio | 11.5024% | 6,569 |
| Memoranda: | ||
| Average total assets | $427,548,500 | 1,664 |
| Average earning assets | $398,613,000 | 1,638 |
| Average equity | $40,092,000 | 1,702 |
| Average total loans | $367,464,500 | 1,374 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3561% | 3,661 |
| Cost of funding earning assets | 2.2946% | 5,176 |
| Net interest margin | 4.0615% | 2,863 |
| Noninterest income to average assets | 0.6570% | 3,421 |
| Noninterest expense to average assets | 2.6396% | 5,491 |
| Loan and lease loss provision to assets | 0.2785% | 4,165 |
| Net operating income to assets | 1.5218% | 975 |
| Return on assets (ROA) | 1.5365% | 919 |
| Pretax return on assets | 1.5377% | 1,571 |
| Return on Equity (ROE) | 16.8733% | 653 |
| Retained earnings to average equity (ytd only) | 8.0630% | 828 |
| Net charge-offs to loans | 0.4123% | 2,751 |
| Credit loss provision to net charge-offs | 80.0278% | 5,899 |
| Earnings coverage of net charge-offs (x) | 5.1768% | 3,735 |
| Efficiency ratio | 59.4362% | 6,450 |
| Assets per employee ($millions) | 5.1897% | 1,734 |
| Cash dividends to net income (ytd only)* | 52.2143% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 5,849 |
| Loan loss allowance to noncurrent loans | 429.0618% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.9781% | 4,385 |
| Noncurrent loans to loans | 0.2378% | 6,674 |
| Net loans and leases to total assets | 84.4522% | 816 |
| Net loans and leases to deposits | 121.9467% | 351 |
| Net loans and leases to core deposits | 133.7078% | 1,611 |
| Total domestic deposits to total assets | 69.2534% | 7,355 |
| Equity capital to assets | 9.1484% | 5,153 |
| Core capital (leverage) ratio | 9.2293% | 4,391 |
| Tier 1 risk-based capital ratio | 10.3012% | 6,419 |
| Total risk-based capital ratio | 11.2884% | 6,570 |
| Memoranda: | ||
| Average total assets | $412,943,400 | 1,646 |
| Average earning assets | $384,730,400 | 1,617 |
| Average equity | $37,603,800 | 1,797 |
| Average total loans | $348,543,800 | 1,393 |