Home > Citizens State Bank > Performance and Condition Ratios
Citizens State Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8280% | 2,038 |
| Cost of funding earning assets | 0.8946% | 2,257 |
| Net interest margin | 3.9334% | 2,153 |
| Noninterest income to average assets | 0.7289% | 1,669 |
| Noninterest expense to average assets | 2.2832% | 3,994 |
| Loan and lease loss provision to assets | 0.0054% | 3,768 |
| Net operating income to assets | 1.7425% | 686 |
| Return on assets (ROA) | 1.7425% | 723 |
| Pretax return on assets | 2.1986% | 453 |
| Return on Equity (ROE) | 14.0749% | 968 |
| Retained earnings to average equity (ytd only) | 7.8936% | 1,444 |
| Net charge-offs to loans | -0.0632% | 4,888 |
| Credit loss provision to net charge-offs | -10.6061% | 3,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8826% | 4,685 |
| Assets per employee ($millions) | 4.6927% | 2,926 |
| Cash dividends to net income (ytd only)* | 43.9174% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3022% | 1,955 |
| Loan loss allowance to noncurrent loans | 97.5207% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.0105% | 1,319 |
| Noncurrent loans to loans | 1.3353% | 1,149 |
| Net loans and leases to total assets | 74.6888% | 1,690 |
| Net loans and leases to deposits | 99.0389% | 715 |
| Net loans and leases to core deposits | 105.5729% | 1,217 |
| Total domestic deposits to total assets | 75.4136% | 4,708 |
| Equity capital to assets | 12.9388% | 1,662 |
| Core capital (leverage) ratio | 12.8643% | 1,398 |
| Tier 1 risk-based capital ratio | 18.8072% | 1,607 |
| Total risk-based capital ratio | 20.0596% | 1,576 |
| Memoranda: | ||
| Average total assets | $348,449,750 | 1,925 |
| Average earning assets | $332,939,250 | 1,886 |
| Average equity | $43,139,500 | 1,824 |
| Average total loans | $278,461,000 | 1,708 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8121% | 2,022 |
| Cost of funding earning assets | 0.8928% | 2,187 |
| Net interest margin | 3.9194% | 2,189 |
| Noninterest income to average assets | 0.7465% | 1,534 |
| Noninterest expense to average assets | 2.3145% | 3,968 |
| Loan and lease loss provision to assets | 0.0057% | 3,614 |
| Net operating income to assets | 1.7102% | 714 |
| Return on assets (ROA) | 1.7102% | 741 |
| Pretax return on assets | 2.1614% | 485 |
| Return on Equity (ROE) | 14.0237% | 977 |
| Retained earnings to average equity (ytd only) | 4.6213% | 2,965 |
| Net charge-offs to loans | 0.0973% | 1,391 |
| Credit loss provision to net charge-offs | 7.2464% | 2,702 |
| Earnings coverage of net charge-offs (x) | 27.3913% | 1,542 |
| Efficiency ratio | 51.6439% | 4,678 |
| Assets per employee ($millions) | 4.7178% | 2,852 |
| Cash dividends to net income (ytd only)* | 67.0466% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 2,802 |
| Loan loss allowance to noncurrent loans | 106.4571% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.8473% | 1,664 |
| Noncurrent loans to loans | 1.0776% | 1,520 |
| Net loans and leases to total assets | 77.7223% | 1,269 |
| Net loans and leases to deposits | 102.1177% | 530 |
| Net loans and leases to core deposits | 111.0038% | 922 |
| Total domestic deposits to total assets | 76.1105% | 4,651 |
| Equity capital to assets | 12.4199% | 1,903 |
| Core capital (leverage) ratio | 12.4623% | 1,552 |
| Tier 1 risk-based capital ratio | 17.3908% | 1,969 |
| Total risk-based capital ratio | 18.6410% | 1,928 |
| Memoranda: | ||
| Average total assets | $348,847,330 | 1,938 |
| Average earning assets | $332,451,330 | 1,898 |
| Average equity | $42,542,330 | 1,845 |
| Average total loans | $283,686,670 | 1,697 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8689% | 1,692 |
| Cost of funding earning assets | 0.8734% | 2,136 |
| Net interest margin | 3.9955% | 1,863 |
| Noninterest income to average assets | 0.7089% | 1,581 |
| Noninterest expense to average assets | 2.2942% | 4,035 |
| Loan and lease loss provision to assets | 0.0057% | 3,353 |
| Net operating income to assets | 1.7367% | 682 |
| Return on assets (ROA) | 1.7367% | 703 |
| Pretax return on assets | 2.1978% | 453 |
| Return on Equity (ROE) | 14.3734% | 882 |
| Retained earnings to average equity (ytd only) | -4.6139% | 4,903 |
| Net charge-offs to loans | 0.0347% | 1,775 |
| Credit loss provision to net charge-offs | 20.0000% | 2,136 |
| Earnings coverage of net charge-offs (x) | 76.8400% | 786 |
| Efficiency ratio | 51.0074% | 4,761 |
| Assets per employee ($millions) | 4.9643% | 2,569 |
| Cash dividends to net income (ytd only)* | 132.1004% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1406% | 2,908 |
| Loan loss allowance to noncurrent loans | 97.5734% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.9471% | 1,484 |
| Noncurrent loans to loans | 1.1690% | 1,419 |
| Net loans and leases to total assets | 80.0918% | 821 |
| Net loans and leases to deposits | 104.6875% | 371 |
| Net loans and leases to core deposits | 115.2941% | 672 |
| Total domestic deposits to total assets | 76.5056% | 4,711 |
| Equity capital to assets | 11.8850% | 2,099 |
| Core capital (leverage) ratio | 12.2021% | 1,662 |
| Tier 1 risk-based capital ratio | 16.2080% | 2,361 |
| Total risk-based capital ratio | 17.4582% | 2,312 |
| Memoranda: | ||
| Average total assets | $348,713,000 | 1,955 |
| Average earning assets | $330,669,500 | 1,917 |
| Average equity | $42,133,500 | 1,850 |
| Average total loans | $288,285,000 | 1,676 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9209% | 1,229 |
| Cost of funding earning assets | 0.7189% | 1,968 |
| Net interest margin | 4.2021% | 1,386 |
| Noninterest income to average assets | 0.7612% | 1,601 |
| Noninterest expense to average assets | 2.4578% | 3,733 |
| Loan and lease loss provision to assets | 0.2245% | 796 |
| Net operating income to assets | 1.6434% | 787 |
| Return on assets (ROA) | 1.6434% | 788 |
| Pretax return on assets | 2.1006% | 439 |
| Return on Equity (ROE) | 13.5352% | 1,160 |
| Retained earnings to average equity (ytd only) | 7.8492% | 1,306 |
| Net charge-offs to loans | 0.1974% | 972 |
| Credit loss provision to net charge-offs | 128.7435% | 2,052 |
| Earnings coverage of net charge-offs (x) | 13.3322% | 2,469 |
| Efficiency ratio | 51.3870% | 4,853 |
| Assets per employee ($millions) | 4.6617% | 2,939 |
| Cash dividends to net income (ytd only)* | 42.0091% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 2,943 |
| Loan loss allowance to noncurrent loans | 107.3722% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.8847% | 1,578 |
| Noncurrent loans to loans | 1.0487% | 1,559 |
| Net loans and leases to total assets | 83.4125% | 467 |
| Net loans and leases to deposits | 112.2159% | 203 |
| Net loans and leases to core deposits | 124.0330% | 440 |
| Total domestic deposits to total assets | 74.3321% | 4,922 |
| Equity capital to assets | 12.2845% | 1,706 |
| Core capital (leverage) ratio | 12.2482% | 1,590 |
| Tier 1 risk-based capital ratio | 16.0711% | 2,382 |
| Total risk-based capital ratio | 17.3139% | 2,327 |
| Memoranda: | ||
| Average total assets | $333,143,800 | 1,973 |
| Average earning assets | $318,842,400 | 1,933 |
| Average equity | $40,450,200 | 1,840 |
| Average total loans | $294,304,400 | 1,616 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8929% | 1,175 |
| Cost of funding earning assets | 0.6792% | 1,978 |
| Net interest margin | 4.2137% | 1,317 |
| Noninterest income to average assets | 0.7628% | 1,616 |
| Noninterest expense to average assets | 2.3961% | 3,864 |
| Loan and lease loss provision to assets | 0.0149% | 3,712 |
| Net operating income to assets | 1.8765% | 516 |
| Return on assets (ROA) | 1.8765% | 517 |
| Pretax return on assets | 2.3949% | 282 |
| Return on Equity (ROE) | 15.5018% | 781 |
| Retained earnings to average equity (ytd only) | 8.4965% | 1,419 |
| Net charge-offs to loans | 0.0298% | 2,496 |
| Credit loss provision to net charge-offs | 56.0606% | 2,783 |
| Earnings coverage of net charge-offs (x) | 90.4219% | 816 |
| Efficiency ratio | 49.8572% | 4,951 |
| Assets per employee ($millions) | 4.5587% | 3,031 |
| Cash dividends to net income (ytd only)* | 45.1904% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 3,423 |
| Loan loss allowance to noncurrent loans | 89.9825% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.0015% | 1,454 |
| Noncurrent loans to loans | 1.1758% | 1,435 |
| Net loans and leases to total assets | 84.2727% | 427 |
| Net loans and leases to deposits | 111.3511% | 256 |
| Net loans and leases to core deposits | 126.0151% | 409 |
| Total domestic deposits to total assets | 75.6820% | 4,824 |
| Equity capital to assets | 12.2105% | 1,766 |
| Core capital (leverage) ratio | 12.2482% | 1,649 |
| Tier 1 risk-based capital ratio | 15.8752% | 2,491 |
| Total risk-based capital ratio | 17.0468% | 2,461 |
| Memoranda: | ||
| Average total assets | $330,188,750 | 1,999 |
| Average earning assets | $316,829,750 | 1,949 |
| Average equity | $39,968,500 | 1,857 |
| Average total loans | $295,125,500 | 1,619 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9036% | 1,014 |
| Cost of funding earning assets | 0.6305% | 2,042 |
| Net interest margin | 4.2732% | 1,100 |
| Noninterest income to average assets | 0.7460% | 1,664 |
| Noninterest expense to average assets | 2.3887% | 3,928 |
| Loan and lease loss provision to assets | 0.0190% | 3,520 |
| Net operating income to assets | 1.9069% | 463 |
| Return on assets (ROA) | 1.9069% | 458 |
| Pretax return on assets | 2.4347% | 252 |
| Return on Equity (ROE) | 15.8018% | 710 |
| Retained earnings to average equity (ytd only) | 5.1352% | 3,008 |
| Net charge-offs to loans | 0.0317% | 2,221 |
| Credit loss provision to net charge-offs | 65.9574% | 2,391 |
| Earnings coverage of net charge-offs (x) | 85.1702% | 792 |
| Efficiency ratio | 49.3291% | 5,061 |
| Assets per employee ($millions) | 4.8658% | 2,600 |
| Cash dividends to net income (ytd only)* | 67.5024% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 3,586 |
| Loan loss allowance to noncurrent loans | 99.5497% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 0.9128% | 1,651 |
| Noncurrent loans to loans | 1.0459% | 1,676 |
| Net loans and leases to total assets | 86.3639% | 237 |
| Net loans and leases to deposits | 113.3714% | 207 |
| Net loans and leases to core deposits | 127.5487% | 377 |
| Total domestic deposits to total assets | 76.1778% | 4,840 |
| Equity capital to assets | 11.8064% | 1,988 |
| Core capital (leverage) ratio | 12.1040% | 1,649 |
| Tier 1 risk-based capital ratio | 14.7570% | 2,989 |
| Total risk-based capital ratio | 15.8928% | 2,968 |
| Memoranda: | ||
| Average total assets | $326,284,000 | 2,025 |
| Average earning assets | $312,790,330 | 1,974 |
| Average equity | $39,375,330 | 1,891 |
| Average total loans | $296,430,000 | 1,625 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9593% | 764 |
| Cost of funding earning assets | 0.5791% | 2,182 |
| Net interest margin | 4.3802% | 801 |
| Noninterest income to average assets | 0.7658% | 1,561 |
| Noninterest expense to average assets | 2.3778% | 4,003 |
| Loan and lease loss provision to assets | 0.0351% | 3,037 |
| Net operating income to assets | 2.0180% | 358 |
| Return on assets (ROA) | 2.0180% | 358 |
| Pretax return on assets | 2.5432% | 197 |
| Return on Equity (ROE) | 16.5313% | 551 |
| Retained earnings to average equity (ytd only) | -5.0313% | 5,207 |
| Net charge-offs to loans | 0.0014% | 2,687 |
| Credit loss provision to net charge-offs | 2,800.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 2,057.0000% | 25 |
| Efficiency ratio | 47.9767% | 5,195 |
| Assets per employee ($millions) | 4.6691% | 2,901 |
| Cash dividends to net income (ytd only)* | 130.4348% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0504% | 3,658 |
| Loan loss allowance to noncurrent loans | 98.7406% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.9717% | 1,622 |
| Noncurrent loans to loans | 1.0638% | 1,719 |
| Net loans and leases to total assets | 90.3836% | 55 |
| Net loans and leases to deposits | 120.0773% | 114 |
| Net loans and leases to core deposits | 132.0674% | 300 |
| Total domestic deposits to total assets | 75.2712% | 5,045 |
| Equity capital to assets | 11.8444% | 1,887 |
| Core capital (leverage) ratio | 12.2247% | 1,510 |
| Tier 1 risk-based capital ratio | 14.1448% | 3,306 |
| Total risk-based capital ratio | 15.2906% | 3,276 |
| Memoranda: | ||
| Average total assets | $319,124,500 | 2,081 |
| Average earning assets | $305,283,000 | 2,022 |
| Average equity | $38,956,500 | 1,913 |
| Average total loans | $296,018,500 | 1,628 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8330% | 914 |
| Cost of funding earning assets | 0.4973% | 2,356 |
| Net interest margin | 4.3357% | 894 |
| Noninterest income to average assets | 0.8490% | 1,408 |
| Noninterest expense to average assets | 2.5637% | 3,568 |
| Loan and lease loss provision to assets | 0.0032% | 4,182 |
| Net operating income to assets | 1.4706% | 870 |
| Return on assets (ROA) | 1.4509% | 919 |
| Pretax return on assets | 2.3754% | 228 |
| Return on Equity (ROE) | 11.8336% | 1,258 |
| Retained earnings to average equity (ytd only) | 2.9224% | 3,556 |
| Net charge-offs to loans | 0.0291% | 3,225 |
| Credit loss provision to net charge-offs | 12.0482% | 3,655 |
| Earnings coverage of net charge-offs (x) | 90.3373% | 696 |
| Efficiency ratio | 51.5508% | 5,136 |
| Assets per employee ($millions) | 4.0975% | 3,815 |
| Cash dividends to net income (ytd only)* | 75.3045% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 3,562 |
| Loan loss allowance to noncurrent loans | 96.9451% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.0301% | 1,488 |
| Noncurrent loans to loans | 1.0930% | 1,623 |
| Net loans and leases to total assets | 93.2475% | 14 |
| Net loans and leases to deposits | 126.8800% | 58 |
| Net loans and leases to core deposits | 134.8666% | 274 |
| Total domestic deposits to total assets | 73.4927% | 5,227 |
| Equity capital to assets | 12.5881% | 1,466 |
| Core capital (leverage) ratio | 12.5911% | 1,313 |
| Tier 1 risk-based capital ratio | 13.7984% | 3,472 |
| Total risk-based capital ratio | 14.8930% | 3,461 |
| Memoranda: | ||
| Average total assets | $311,188,400 | 2,111 |
| Average earning assets | $296,005,000 | 2,063 |
| Average equity | $38,154,000 | 1,926 |
| Average total loans | $285,383,200 | 1,627 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7706% | 983 |
| Cost of funding earning assets | 0.4927% | 2,330 |
| Net interest margin | 4.2779% | 976 |
| Noninterest income to average assets | 0.8476% | 1,429 |
| Noninterest expense to average assets | 2.4945% | 3,757 |
| Loan and lease loss provision to assets | 0.0013% | 4,074 |
| Net operating income to assets | 1.6091% | 697 |
| Return on assets (ROA) | 1.6091% | 718 |
| Pretax return on assets | 2.4191% | 242 |
| Return on Equity (ROE) | 13.2126% | 1,010 |
| Retained earnings to average equity (ytd only) | 1.9529% | 4,658 |
| Net charge-offs to loans | 0.0094% | 3,392 |
| Credit loss provision to net charge-offs | 15.0000% | 3,194 |
| Earnings coverage of net charge-offs (x) | 282.3577% | 321 |
| Efficiency ratio | 50.7542% | 5,193 |
| Assets per employee ($millions) | 4.1706% | 3,699 |
| Cash dividends to net income (ytd only)* | 85.2197% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 3,280 |
| Loan loss allowance to noncurrent loans | 96.9382% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 1.0728% | 1,560 |
| Noncurrent loans to loans | 1.1704% | 1,642 |
| Net loans and leases to total assets | 90.6162% | 62 |
| Net loans and leases to deposits | 120.8678% | 89 |
| Net loans and leases to core deposits | 126.9719% | 386 |
| Total domestic deposits to total assets | 74.9713% | 5,129 |
| Equity capital to assets | 12.6720% | 1,566 |
| Core capital (leverage) ratio | 12.4568% | 1,433 |
| Tier 1 risk-based capital ratio | 14.1852% | 3,361 |
| Total risk-based capital ratio | 15.3474% | 3,307 |
| Memoranda: | ||
| Average total assets | $311,132,500 | 2,124 |
| Average earning assets | $295,807,500 | 2,075 |
| Average equity | $37,892,250 | 1,950 |
| Average total loans | $283,355,500 | 1,648 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7053% | 1,047 |
| Cost of funding earning assets | 0.4926% | 2,232 |
| Net interest margin | 4.2127% | 1,052 |
| Noninterest income to average assets | 0.8655% | 1,374 |
| Noninterest expense to average assets | 2.4847% | 3,794 |
| Loan and lease loss provision to assets | 0.0019% | 3,854 |
| Net operating income to assets | 1.5854% | 729 |
| Return on assets (ROA) | 1.5854% | 748 |
| Pretax return on assets | 2.3851% | 257 |
| Return on Equity (ROE) | 13.1907% | 982 |
| Retained earnings to average equity (ytd only) | 0.4461% | 4,985 |
| Net charge-offs to loans | 0.0070% | 3,208 |
| Credit loss provision to net charge-offs | 30.0000% | 2,723 |
| Earnings coverage of net charge-offs (x) | 374.0000% | 228 |
| Efficiency ratio | 51.0022% | 5,245 |
| Assets per employee ($millions) | 4.2283% | 3,564 |
| Cash dividends to net income (ytd only)* | 96.6184% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1319% | 3,410 |
| Loan loss allowance to noncurrent loans | 94.4659% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 1.0863% | 1,611 |
| Noncurrent loans to loans | 1.1983% | 1,624 |
| Net loans and leases to total assets | 88.6293% | 121 |
| Net loans and leases to deposits | 121.7715% | 80 |
| Net loans and leases to core deposits | 127.9270% | 345 |
| Total domestic deposits to total assets | 72.7833% | 5,405 |
| Equity capital to assets | 12.1770% | 1,809 |
| Core capital (leverage) ratio | 12.2187% | 1,522 |
| Tier 1 risk-based capital ratio | 14.0924% | 3,380 |
| Total risk-based capital ratio | 15.2646% | 3,335 |
| Memoranda: | ||
| Average total assets | $313,359,670 | 2,113 |
| Average earning assets | $298,002,330 | 2,071 |
| Average equity | $37,663,000 | 1,957 |
| Average total loans | $284,791,330 | 1,640 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6749% | 982 |
| Cost of funding earning assets | 0.4747% | 2,311 |
| Net interest margin | 4.2002% | 992 |
| Noninterest income to average assets | 0.8814% | 1,304 |
| Noninterest expense to average assets | 2.4669% | 3,915 |
| Loan and lease loss provision to assets | 0.0013% | 3,528 |
| Net operating income to assets | 1.5995% | 679 |
| Return on assets (ROA) | 1.5995% | 696 |
| Pretax return on assets | 2.4082% | 251 |
| Return on Equity (ROE) | 13.3960% | 923 |
| Retained earnings to average equity (ytd only) | -12.2423% | 5,624 |
| Net charge-offs to loans | -0.0181% | 4,691 |
| Credit loss provision to net charge-offs | -7.6923% | 3,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5885% | 5,342 |
| Assets per employee ($millions) | 4.3282% | 3,458 |
| Cash dividends to net income (ytd only)* | 191.3876% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1113% | 3,650 |
| Loan loss allowance to noncurrent loans | 94.1419% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 1.0751% | 1,668 |
| Noncurrent loans to loans | 1.1805% | 1,717 |
| Net loans and leases to total assets | 90.0646% | 55 |
| Net loans and leases to deposits | 126.6636% | 47 |
| Net loans and leases to core deposits | 135.8206% | 205 |
| Total domestic deposits to total assets | 71.1054% | 5,590 |
| Equity capital to assets | 11.6704% | 2,064 |
| Core capital (leverage) ratio | 11.8717% | 1,708 |
| Tier 1 risk-based capital ratio | 13.2213% | 3,930 |
| Total risk-based capital ratio | 14.3659% | 3,916 |
| Memoranda: | ||
| Average total assets | $313,593,000 | 2,129 |
| Average earning assets | $298,271,500 | 2,080 |
| Average equity | $37,444,000 | 1,973 |
| Average total loans | $286,942,000 | 1,637 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6940% | 1,070 |
| Cost of funding earning assets | 0.4668% | 2,386 |
| Net interest margin | 4.2272% | 1,058 |
| Noninterest income to average assets | 0.8287% | 1,653 |
| Noninterest expense to average assets | 2.5495% | 3,843 |
| Loan and lease loss provision to assets | 0.0128% | 4,124 |
| Net operating income to assets | 1.5249% | 790 |
| Return on assets (ROA) | 1.5249% | 818 |
| Pretax return on assets | 2.2860% | 285 |
| Return on Equity (ROE) | 13.3648% | 914 |
| Retained earnings to average equity (ytd only) | -0.3034% | 5,351 |
| Net charge-offs to loans | 0.0384% | 3,260 |
| Credit loss provision to net charge-offs | 37.2727% | 3,521 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 826 |
| Efficiency ratio | 52.5862% | 5,342 |
| Assets per employee ($millions) | 4.2633% | 3,503 |
| Cash dividends to net income (ytd only)* | 102.2704% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 3,640 |
| Loan loss allowance to noncurrent loans | 80.3788% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.2724% | 1,399 |
| Noncurrent loans to loans | 1.3841% | 1,476 |
| Net loans and leases to total assets | 90.9098% | 47 |
| Net loans and leases to deposits | 128.6767% | 45 |
| Net loans and leases to core deposits | 138.1934% | 193 |
| Total domestic deposits to total assets | 70.6498% | 5,632 |
| Equity capital to assets | 12.2144% | 1,673 |
| Core capital (leverage) ratio | 11.8417% | 1,698 |
| Tier 1 risk-based capital ratio | 13.6709% | 3,664 |
| Total risk-based capital ratio | 14.8135% | 3,638 |
| Memoranda: | ||
| Average total assets | $320,606,200 | 2,056 |
| Average earning assets | $304,858,200 | 2,011 |
| Average equity | $36,581,200 | 1,999 |
| Average total loans | $286,535,200 | 1,578 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6682% | 1,141 |
| Cost of funding earning assets | 0.4740% | 2,326 |
| Net interest margin | 4.1942% | 1,135 |
| Noninterest income to average assets | 0.8150% | 1,700 |
| Noninterest expense to average assets | 2.4589% | 4,115 |
| Loan and lease loss provision to assets | 0.0153% | 3,941 |
| Net operating income to assets | 1.5548% | 791 |
| Return on assets (ROA) | 1.5548% | 831 |
| Pretax return on assets | 2.3301% | 297 |
| Return on Equity (ROE) | 13.8619% | 853 |
| Retained earnings to average equity (ytd only) | -4.5421% | 5,719 |
| Net charge-offs to loans | 0.0391% | 2,850 |
| Credit loss provision to net charge-offs | 44.0476% | 3,111 |
| Earnings coverage of net charge-offs (x) | 67.6293% | 875 |
| Efficiency ratio | 51.1816% | 5,433 |
| Assets per employee ($millions) | 4.6487% | 2,844 |
| Cash dividends to net income (ytd only)* | 132.7668% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 3,775 |
| Loan loss allowance to noncurrent loans | 86.9270% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.1330% | 1,781 |
| Noncurrent loans to loans | 1.2764% | 1,753 |
| Net loans and leases to total assets | 87.7803% | 147 |
| Net loans and leases to deposits | 125.2950% | 71 |
| Net loans and leases to core deposits | 136.7200% | 220 |
| Total domestic deposits to total assets | 70.0589% | 5,692 |
| Equity capital to assets | 11.3353% | 2,672 |
| Core capital (leverage) ratio | 11.3669% | 2,141 |
| Tier 1 risk-based capital ratio | 13.1707% | 4,051 |
| Total risk-based capital ratio | 14.3126% | 4,033 |
| Memoranda: | ||
| Average total assets | $322,951,750 | 2,052 |
| Average earning assets | $307,179,250 | 2,001 |
| Average equity | $36,223,000 | 2,023 |
| Average total loans | $286,640,000 | 1,583 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6749% | 1,106 |
| Cost of funding earning assets | 0.4885% | 2,203 |
| Net interest margin | 4.1865% | 1,149 |
| Noninterest income to average assets | 0.7792% | 1,813 |
| Noninterest expense to average assets | 2.4474% | 4,196 |
| Loan and lease loss provision to assets | 0.0199% | 3,743 |
| Net operating income to assets | 1.5273% | 850 |
| Return on assets (ROA) | 1.5273% | 896 |
| Pretax return on assets | 2.2922% | 310 |
| Return on Equity (ROE) | 13.6659% | 892 |
| Retained earnings to average equity (ytd only) | -14.1103% | 5,925 |
| Net charge-offs to loans | 0.0091% | 3,394 |
| Credit loss provision to net charge-offs | 246.1538% | 1,116 |
| Earnings coverage of net charge-offs (x) | 286.4615% | 241 |
| Efficiency ratio | 51.4219% | 5,480 |
| Assets per employee ($millions) | 4.1736% | 3,610 |
| Cash dividends to net income (ytd only)* | 203.2520% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 3,777 |
| Loan loss allowance to noncurrent loans | 83.0879% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 1.2097% | 1,714 |
| Noncurrent loans to loans | 1.3618% | 1,646 |
| Net loans and leases to total assets | 87.8238% | 145 |
| Net loans and leases to deposits | 124.4174% | 73 |
| Net loans and leases to core deposits | 139.0267% | 197 |
| Total domestic deposits to total assets | 70.5881% | 5,752 |
| Equity capital to assets | 10.9281% | 3,138 |
| Core capital (leverage) ratio | 10.9488% | 2,490 |
| Tier 1 risk-based capital ratio | 13.0986% | 4,141 |
| Total risk-based capital ratio | 14.3006% | 4,092 |
| Memoranda: | ||
| Average total assets | $322,132,670 | 2,065 |
| Average earning assets | $306,271,330 | 2,012 |
| Average equity | $36,002,000 | 2,037 |
| Average total loans | $285,903,330 | 1,590 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5946% | 1,280 |
| Cost of funding earning assets | 0.5042% | 2,071 |
| Net interest margin | 4.0903% | 1,367 |
| Noninterest income to average assets | 0.7677% | 1,743 |
| Noninterest expense to average assets | 2.3793% | 4,428 |
| Loan and lease loss provision to assets | 0.0325% | 3,224 |
| Net operating income to assets | 1.4955% | 861 |
| Return on assets (ROA) | 1.4955% | 904 |
| Pretax return on assets | 2.2445% | 347 |
| Return on Equity (ROE) | 13.2319% | 987 |
| Retained earnings to average equity (ytd only) | -41.9931% | 6,064 |
| Net charge-offs to loans | 0.0155% | 2,627 |
| Credit loss provision to net charge-offs | 236.3636% | 976 |
| Earnings coverage of net charge-offs (x) | 165.8182% | 365 |
| Efficiency ratio | 51.0992% | 5,560 |
| Assets per employee ($millions) | 4.2294% | 3,537 |
| Cash dividends to net income (ytd only)* | 417.3623% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 3,824 |
| Loan loss allowance to noncurrent loans | 88.6357% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.1176% | 1,980 |
| Noncurrent loans to loans | 1.2877% | 1,875 |
| Net loans and leases to total assets | 85.8000% | 232 |
| Net loans and leases to deposits | 121.9864% | 85 |
| Net loans and leases to core deposits | 131.2641% | 252 |
| Total domestic deposits to total assets | 70.3357% | 5,852 |
| Equity capital to assets | 10.4015% | 3,613 |
| Core capital (leverage) ratio | 10.8951% | 2,512 |
| Tier 1 risk-based capital ratio | 12.6952% | 4,461 |
| Total risk-based capital ratio | 13.9014% | 4,396 |
| Memoranda: | ||
| Average total assets | $320,430,000 | 2,082 |
| Average earning assets | $304,621,500 | 2,029 |
| Average equity | $36,215,500 | 2,025 |
| Average total loans | $284,269,000 | 1,595 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5526% | 1,451 |
| Cost of funding earning assets | 0.5412% | 1,834 |
| Net interest margin | 4.0114% | 1,679 |
| Noninterest income to average assets | 0.8563% | 1,587 |
| Noninterest expense to average assets | 2.5535% | 4,061 |
| Loan and lease loss provision to assets | 0.0710% | 2,858 |
| Net operating income to assets | 1.3529% | 1,141 |
| Return on assets (ROA) | 1.3529% | 1,183 |
| Pretax return on assets | 2.0403% | 499 |
| Return on Equity (ROE) | 11.9946% | 1,302 |
| Retained earnings to average equity (ytd only) | 10.3171% | 417 |
| Net charge-offs to loans | 0.0184% | 3,910 |
| Credit loss provision to net charge-offs | 445.0980% | 688 |
| Earnings coverage of net charge-offs (x) | 132.3725% | 463 |
| Efficiency ratio | 54.7399% | 5,470 |
| Assets per employee ($millions) | 3.9867% | 3,963 |
| Cash dividends to net income (ytd only)* | 13.9852% | 3,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 3,738 |
| Loan loss allowance to noncurrent loans | 77.0123% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.3584% | 1,545 |
| Noncurrent loans to loans | 1.4967% | 1,548 |
| Net loans and leases to total assets | 89.7101% | 71 |
| Net loans and leases to deposits | 128.5337% | 52 |
| Net loans and leases to core deposits | 138.8635% | 179 |
| Total domestic deposits to total assets | 69.7950% | 5,903 |
| Equity capital to assets | 12.2576% | 1,774 |
| Core capital (leverage) ratio | 11.9582% | 1,641 |
| Tier 1 risk-based capital ratio | 14.4978% | 3,448 |
| Total risk-based capital ratio | 15.7324% | 3,365 |
| Memoranda: | ||
| Average total assets | $319,751,000 | 2,045 |
| Average earning assets | $303,581,800 | 2,001 |
| Average equity | $36,066,200 | 1,979 |
| Average total loans | $277,346,200 | 1,581 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5266% | 1,521 |
| Cost of funding earning assets | 0.5474% | 1,821 |
| Net interest margin | 3.9792% | 1,773 |
| Noninterest income to average assets | 0.8229% | 1,714 |
| Noninterest expense to average assets | 2.4326% | 4,408 |
| Loan and lease loss provision to assets | 0.0903% | 2,362 |
| Net operating income to assets | 1.3737% | 1,167 |
| Return on assets (ROA) | 1.3737% | 1,220 |
| Pretax return on assets | 2.0777% | 525 |
| Return on Equity (ROE) | 12.4392% | 1,257 |
| Retained earnings to average equity (ytd only) | 10.1703% | 607 |
| Net charge-offs to loans | 0.0116% | 3,772 |
| Credit loss provision to net charge-offs | 908.3333% | 400 |
| Earnings coverage of net charge-offs (x) | 218.1197% | 330 |
| Efficiency ratio | 52.8760% | 5,589 |
| Assets per employee ($millions) | 4.1837% | 3,552 |
| Cash dividends to net income (ytd only)* | 18.2394% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 3,855 |
| Loan loss allowance to noncurrent loans | 80.7806% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 1.2647% | 1,850 |
| Noncurrent loans to loans | 1.4391% | 1,749 |
| Net loans and leases to total assets | 85.1957% | 284 |
| Net loans and leases to deposits | 126.3216% | 57 |
| Net loans and leases to core deposits | 138.1887% | 186 |
| Total domestic deposits to total assets | 67.4435% | 6,056 |
| Equity capital to assets | 11.3733% | 2,615 |
| Core capital (leverage) ratio | 11.4278% | 2,100 |
| Tier 1 risk-based capital ratio | 14.2374% | 3,708 |
| Total risk-based capital ratio | 15.4881% | 3,640 |
| Memoranda: | ||
| Average total assets | $321,947,500 | 2,049 |
| Average earning assets | $305,651,750 | 2,005 |
| Average equity | $35,553,500 | 2,014 |
| Average total loans | $276,127,750 | 1,596 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5110% | 1,497 |
| Cost of funding earning assets | 0.5631% | 1,701 |
| Net interest margin | 3.9479% | 1,818 |
| Noninterest income to average assets | 0.8163% | 1,713 |
| Noninterest expense to average assets | 2.4488% | 4,403 |
| Loan and lease loss provision to assets | 0.1311% | 1,684 |
| Net operating income to assets | 1.3086% | 1,298 |
| Return on assets (ROA) | 1.3086% | 1,356 |
| Pretax return on assets | 1.9814% | 617 |
| Return on Equity (ROE) | 11.9715% | 1,384 |
| Retained earnings to average equity (ytd only) | 8.5176% | 1,070 |
| Net charge-offs to loans | 0.0124% | 3,484 |
| Credit loss provision to net charge-offs | 1,235.2941% | 290 |
| Earnings coverage of net charge-offs (x) | 199.1176% | 351 |
| Efficiency ratio | 53.6872% | 5,610 |
| Assets per employee ($millions) | 4.2321% | 3,410 |
| Cash dividends to net income (ytd only)* | 28.8507% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 3,919 |
| Loan loss allowance to noncurrent loans | 519.7138% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 5,084 |
| Noncurrent loans to loans | 0.2267% | 4,863 |
| Net loans and leases to total assets | 85.2628% | 280 |
| Net loans and leases to deposits | 125.1893% | 64 |
| Net loans and leases to core deposits | 137.0255% | 191 |
| Total domestic deposits to total assets | 68.1071% | 6,107 |
| Equity capital to assets | 11.1564% | 2,711 |
| Core capital (leverage) ratio | 11.1433% | 2,298 |
| Tier 1 risk-based capital ratio | 13.7968% | 4,035 |
| Total risk-based capital ratio | 15.0469% | 3,968 |
| Memoranda: | ||
| Average total assets | $320,488,330 | 2,072 |
| Average earning assets | $304,010,670 | 2,025 |
| Average equity | $35,033,330 | 2,053 |
| Average total loans | $274,408,670 | 1,606 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4816% | 1,516 |
| Cost of funding earning assets | 0.5760% | 1,611 |
| Net interest margin | 3.9056% | 1,880 |
| Noninterest income to average assets | 0.8365% | 1,585 |
| Noninterest expense to average assets | 2.3894% | 4,628 |
| Loan and lease loss provision to assets | 0.1926% | 977 |
| Net operating income to assets | 1.2928% | 1,297 |
| Return on assets (ROA) | 1.2928% | 1,378 |
| Pretax return on assets | 1.9593% | 631 |
| Return on Equity (ROE) | 11.9508% | 1,362 |
| Retained earnings to average equity (ytd only) | 4.9583% | 3,077 |
| Net charge-offs to loans | 0.0147% | 2,873 |
| Credit loss provision to net charge-offs | 1,540.0000% | 240 |
| Earnings coverage of net charge-offs (x) | 172.1000% | 319 |
| Efficiency ratio | 52.6156% | 5,773 |
| Assets per employee ($millions) | 4.6045% | 2,896 |
| Cash dividends to net income (ytd only)* | 58.5106% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 4,030 |
| Loan loss allowance to noncurrent loans | 259.3876% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.3850% | 4,482 |
| Noncurrent loans to loans | 0.4594% | 4,206 |
| Net loans and leases to total assets | 82.8186% | 392 |
| Net loans and leases to deposits | 122.6593% | 68 |
| Net loans and leases to core deposits | 134.5071% | 199 |
| Total domestic deposits to total assets | 67.5193% | 6,214 |
| Equity capital to assets | 10.8025% | 3,190 |
| Core capital (leverage) ratio | 10.9485% | 2,462 |
| Tier 1 risk-based capital ratio | 13.6844% | 4,234 |
| Total risk-based capital ratio | 13.7873% | 4,791 |
| Memoranda: | ||
| Average total assets | $319,914,500 | 2,087 |
| Average earning assets | $303,462,000 | 2,032 |
| Average equity | $34,608,500 | 2,093 |
| Average total loans | $272,860,500 | 1,605 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6685% | 1,373 |
| Cost of funding earning assets | 0.5957% | 1,792 |
| Net interest margin | 4.0728% | 1,674 |
| Noninterest income to average assets | 0.7147% | 2,236 |
| Noninterest expense to average assets | 2.5918% | 4,252 |
| Loan and lease loss provision to assets | 0.1973% | 1,294 |
| Net operating income to assets | 1.2033% | 1,576 |
| Return on assets (ROA) | 1.3032% | 1,348 |
| Pretax return on assets | 1.9288% | 598 |
| Return on Equity (ROE) | 12.5382% | 1,257 |
| Retained earnings to average equity (ytd only) | 9.4708% | 609 |
| Net charge-offs to loans | 0.1655% | 2,380 |
| Credit loss provision to net charge-offs | 140.4063% | 1,689 |
| Earnings coverage of net charge-offs (x) | 14.0835% | 2,196 |
| Efficiency ratio | 56.7007% | 5,598 |
| Assets per employee ($millions) | 4.5359% | 2,981 |
| Cash dividends to net income (ytd only)* | 24.4645% | 3,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 4,465 |
| Loan loss allowance to noncurrent loans | 2,874.7664% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 5,887 |
| Noncurrent loans to loans | 0.0388% | 5,722 |
| Net loans and leases to total assets | 85.8196% | 220 |
| Net loans and leases to deposits | 127.2872% | 55 |
| Net loans and leases to core deposits | 140.0919% | 165 |
| Total domestic deposits to total assets | 67.4220% | 6,286 |
| Equity capital to assets | 10.8338% | 3,081 |
| Core capital (leverage) ratio | 10.7907% | 2,624 |
| Tier 1 risk-based capital ratio | 13.1629% | 4,614 |
| Total risk-based capital ratio | 14.3373% | 4,588 |
| Memoranda: | ||
| Average total assets | $315,220,800 | 2,061 |
| Average earning assets | $298,470,600 | 2,006 |
| Average equity | $32,764,000 | 2,125 |
| Average total loans | $267,633,800 | 1,587 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6795% | 1,357 |
| Cost of funding earning assets | 0.5985% | 1,844 |
| Net interest margin | 4.0810% | 1,635 |
| Noninterest income to average assets | 0.6916% | 2,373 |
| Noninterest expense to average assets | 2.4675% | 4,624 |
| Loan and lease loss provision to assets | 0.1970% | 1,219 |
| Net operating income to assets | 1.2781% | 1,445 |
| Return on assets (ROA) | 1.4115% | 1,148 |
| Pretax return on assets | 2.0861% | 470 |
| Return on Equity (ROE) | 13.7264% | 1,045 |
| Retained earnings to average equity (ytd only) | 9.5850% | 814 |
| Net charge-offs to loans | 0.2259% | 1,690 |
| Credit loss provision to net charge-offs | 103.3333% | 2,137 |
| Earnings coverage of net charge-offs (x) | 10.9443% | 2,484 |
| Efficiency ratio | 54.1775% | 5,800 |
| Assets per employee ($millions) | 3.9796% | 3,935 |
| Cash dividends to net income (ytd only)* | 30.1712% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 4,824 |
| Loan loss allowance to noncurrent loans | 2,670.6422% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 5,989 |
| Noncurrent loans to loans | 0.0406% | 5,853 |
| Net loans and leases to total assets | 84.4910% | 304 |
| Net loans and leases to deposits | 126.4053% | 59 |
| Net loans and leases to core deposits | 139.6014% | 153 |
| Total domestic deposits to total assets | 66.8414% | 6,383 |
| Equity capital to assets | 10.6932% | 3,314 |
| Core capital (leverage) ratio | 10.7481% | 2,760 |
| Tier 1 risk-based capital ratio | 13.1399% | 4,771 |
| Total risk-based capital ratio | 14.2750% | 4,775 |
| Memoranda: | ||
| Average total assets | $314,647,250 | 2,081 |
| Average earning assets | $297,827,500 | 2,020 |
| Average equity | $32,355,250 | 2,153 |
| Average total loans | $265,650,750 | 1,606 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6854% | 1,309 |
| Cost of funding earning assets | 0.6030% | 1,875 |
| Net interest margin | 4.0825% | 1,567 |
| Noninterest income to average assets | 0.6577% | 2,495 |
| Noninterest expense to average assets | 2.4586% | 4,704 |
| Loan and lease loss provision to assets | 0.1970% | 1,236 |
| Net operating income to assets | 1.2690% | 1,400 |
| Return on assets (ROA) | 1.2715% | 1,440 |
| Pretax return on assets | 1.8695% | 730 |
| Return on Equity (ROE) | 12.5320% | 1,301 |
| Retained earnings to average equity (ytd only) | 8.7429% | 1,063 |
| Net charge-offs to loans | 0.3196% | 1,268 |
| Credit loss provision to net charge-offs | 73.2861% | 2,414 |
| Earnings coverage of net charge-offs (x) | 7.6738% | 2,598 |
| Efficiency ratio | 54.3781% | 5,877 |
| Assets per employee ($millions) | 4.1521% | 3,545 |
| Cash dividends to net income (ytd only)* | 30.2349% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 5,215 |
| Loan loss allowance to noncurrent loans | 1,294.4186% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 5,941 |
| Noncurrent loans to loans | 0.0795% | 5,785 |
| Net loans and leases to total assets | 85.9549% | 178 |
| Net loans and leases to deposits | 128.3368% | 42 |
| Net loans and leases to core deposits | 141.6674% | 132 |
| Total domestic deposits to total assets | 66.9760% | 6,456 |
| Equity capital to assets | 10.5408% | 3,396 |
| Core capital (leverage) ratio | 10.4944% | 2,958 |
| Tier 1 risk-based capital ratio | 12.6663% | 5,109 |
| Total risk-based capital ratio | 13.7420% | 5,158 |
| Memoranda: | ||
| Average total assets | $314,734,330 | 2,076 |
| Average earning assets | $297,860,000 | 2,023 |
| Average equity | $31,934,330 | 2,160 |
| Average total loans | $264,688,000 | 1,602 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6144% | 1,467 |
| Cost of funding earning assets | 0.6067% | 1,921 |
| Net interest margin | 4.0077% | 1,731 |
| Noninterest income to average assets | 0.6574% | 2,415 |
| Noninterest expense to average assets | 2.3945% | 4,944 |
| Loan and lease loss provision to assets | 0.1972% | 1,185 |
| Net operating income to assets | 1.2717% | 1,292 |
| Return on assets (ROA) | 1.2769% | 1,328 |
| Pretax return on assets | 1.8647% | 704 |
| Return on Equity (ROE) | 12.8299% | 1,202 |
| Retained earnings to average equity (ytd only) | 5.1447% | 3,023 |
| Net charge-offs to loans | 0.0076% | 3,489 |
| Credit loss provision to net charge-offs | 3,120.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 325.0000% | 147 |
| Efficiency ratio | 53.8221% | 6,026 |
| Assets per employee ($millions) | 4.2250% | 3,476 |
| Cash dividends to net income (ytd only)* | 59.9010% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 4,842 |
| Loan loss allowance to noncurrent loans | 440.9551% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.2297% | 5,512 |
| Noncurrent loans to loans | 0.2619% | 5,317 |
| Net loans and leases to total assets | 83.4303% | 269 |
| Net loans and leases to deposits | 124.9905% | 48 |
| Net loans and leases to core deposits | 138.2790% | 135 |
| Total domestic deposits to total assets | 66.7493% | 6,542 |
| Equity capital to assets | 10.1580% | 3,656 |
| Core capital (leverage) ratio | 10.1999% | 3,295 |
| Tier 1 risk-based capital ratio | 12.4518% | 5,346 |
| Total risk-based capital ratio | 13.6457% | 5,311 |
| Memoranda: | ||
| Average total assets | $316,396,500 | 2,073 |
| Average earning assets | $299,325,500 | 2,016 |
| Average equity | $31,489,000 | 2,182 |
| Average total loans | $261,804,500 | 1,624 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8030% | 1,309 |
| Cost of funding earning assets | 0.6016% | 2,640 |
| Net interest margin | 4.2014% | 1,352 |
| Noninterest income to average assets | 0.8598% | 1,830 |
| Noninterest expense to average assets | 2.7995% | 3,724 |
| Loan and lease loss provision to assets | 0.1784% | 2,070 |
| Net operating income to assets | 1.2757% | 1,316 |
| Return on assets (ROA) | 1.2853% | 1,343 |
| Pretax return on assets | 1.8629% | 661 |
| Return on Equity (ROE) | 11.9764% | 1,426 |
| Retained earnings to average equity (ytd only) | 9.2440% | 726 |
| Net charge-offs to loans | 0.0005% | 5,471 |
| Credit loss provision to net charge-offs | 50,200.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 5,704.0000% | 6 |
| Efficiency ratio | 57.9971% | 5,735 |
| Assets per employee ($millions) | 4.3263% | 3,224 |
| Cash dividends to net income (ytd only)* | 22.8153% | 3,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 5,073 |
| Loan loss allowance to noncurrent loans | 1,041.7266% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 6,058 |
| Noncurrent loans to loans | 0.1070% | 5,885 |
| Net loans and leases to total assets | 80.2208% | 575 |
| Net loans and leases to deposits | 124.1184% | 51 |
| Net loans and leases to core deposits | 137.1509% | 143 |
| Total domestic deposits to total assets | 64.6325% | 6,658 |
| Equity capital to assets | 9.7515% | 4,101 |
| Core capital (leverage) ratio | 10.1448% | 3,371 |
| Tier 1 risk-based capital ratio | 12.4495% | 5,318 |
| Total risk-based capital ratio | 13.5987% | 5,320 |
| Memoranda: | ||
| Average total assets | $281,339,800 | 2,260 |
| Average earning assets | $265,646,600 | 2,213 |
| Average equity | $30,192,600 | 2,242 |
| Average total loans | $220,716,200 | 1,854 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8113% | 1,322 |
| Cost of funding earning assets | 0.6003% | 2,805 |
| Net interest margin | 4.2110% | 1,297 |
| Noninterest income to average assets | 0.9331% | 1,656 |
| Noninterest expense to average assets | 2.6751% | 4,114 |
| Loan and lease loss provision to assets | 0.1227% | 2,757 |
| Net operating income to assets | 1.4250% | 1,044 |
| Return on assets (ROA) | 1.4377% | 1,068 |
| Pretax return on assets | 2.1273% | 450 |
| Return on Equity (ROE) | 13.0453% | 1,222 |
| Retained earnings to average equity (ytd only) | 9.3709% | 941 |
| Net charge-offs to loans | -0.0101% | 5,895 |
| Credit loss provision to net charge-offs | -1,562.5000% | 6,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5218% | 6,055 |
| Assets per employee ($millions) | 3.9589% | 3,913 |
| Cash dividends to net income (ytd only)* | 28.1665% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 5,293 |
| Loan loss allowance to noncurrent loans | 892.6174% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.3195% | 5,452 |
| Noncurrent loans to loans | 0.1240% | 5,957 |
| Net loans and leases to total assets | 81.0980% | 442 |
| Net loans and leases to deposits | 118.1970% | 78 |
| Net loans and leases to core deposits | 124.5579% | 256 |
| Total domestic deposits to total assets | 68.6126% | 6,646 |
| Equity capital to assets | 10.3916% | 3,399 |
| Core capital (leverage) ratio | 10.7571% | 2,716 |
| Tier 1 risk-based capital ratio | 13.0744% | 5,075 |
| Total risk-based capital ratio | 14.2077% | 5,097 |
| Memoranda: | ||
| Average total assets | $271,638,750 | 2,346 |
| Average earning assets | $256,307,500 | 2,283 |
| Average equity | $29,936,000 | 2,273 |
| Average total loans | $210,965,750 | 1,923 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7907% | 1,346 |
| Cost of funding earning assets | 0.5771% | 3,147 |
| Net interest margin | 4.2136% | 1,242 |
| Noninterest income to average assets | 1.0471% | 1,390 |
| Noninterest expense to average assets | 2.7815% | 3,739 |
| Loan and lease loss provision to assets | 0.1890% | 2,000 |
| Net operating income to assets | 1.4041% | 1,072 |
| Return on assets (ROA) | 1.4236% | 1,118 |
| Pretax return on assets | 2.0799% | 517 |
| Return on Equity (ROE) | 12.6516% | 1,330 |
| Retained earnings to average equity (ytd only) | 12.6516% | 422 |
| Net charge-offs to loans | -0.0149% | 5,876 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3899% | 6,032 |
| Assets per employee ($millions) | 3.7298% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 5,072 |
| Loan loss allowance to noncurrent loans | 66,475.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.2471% | 5,744 |
| Noncurrent loans to loans | 0.0018% | 6,462 |
| Net loans and leases to total assets | 80.3854% | 501 |
| Net loans and leases to deposits | 111.8851% | 115 |
| Net loans and leases to core deposits | 115.2544% | 411 |
| Total domestic deposits to total assets | 71.8464% | 6,568 |
| Equity capital to assets | 11.0299% | 2,722 |
| Core capital (leverage) ratio | 11.2069% | 2,168 |
| Tier 1 risk-based capital ratio | 13.8173% | 4,548 |
| Total risk-based capital ratio | 15.0233% | 4,558 |
| Memoranda: | ||
| Average total assets | $264,532,330 | 2,415 |
| Average earning assets | $249,526,000 | 2,348 |
| Average equity | $29,767,000 | 2,292 |
| Average total loans | $201,206,670 | 2,003 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8090% | 1,268 |
| Cost of funding earning assets | 0.5249% | 3,840 |
| Net interest margin | 4.2841% | 996 |
| Noninterest income to average assets | 0.6940% | 2,623 |
| Noninterest expense to average assets | 2.7234% | 3,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3748% | 1,089 |
| Return on assets (ROA) | 1.4158% | 1,086 |
| Pretax return on assets | 2.0680% | 531 |
| Return on Equity (ROE) | 12.4503% | 1,308 |
| Retained earnings to average equity (ytd only) | 12.4503% | 639 |
| Net charge-offs to loans | -0.0380% | 5,996 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5629% | 5,898 |
| Assets per employee ($millions) | 3.4146% | 5,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 5,099 |
| Loan loss allowance to noncurrent loans | 48,260.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 5,637 |
| Noncurrent loans to loans | 0.0025% | 6,518 |
| Net loans and leases to total assets | 75.3284% | 921 |
| Net loans and leases to deposits | 98.2658% | 431 |
| Net loans and leases to core deposits | 101.3695% | 866 |
| Total domestic deposits to total assets | 76.6578% | 6,287 |
| Equity capital to assets | 11.4911% | 2,421 |
| Core capital (leverage) ratio | 11.4125% | 1,937 |
| Tier 1 risk-based capital ratio | 15.0479% | 3,803 |
| Total risk-based capital ratio | 16.2788% | 3,776 |
| Memoranda: | ||
| Average total assets | $258,796,500 | 2,500 |
| Average earning assets | $243,876,000 | 2,436 |
| Average equity | $29,429,000 | 2,342 |
| Average total loans | $189,547,000 | 2,119 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6602% | 2,752 |
| Cost of funding earning assets | 0.6762% | 3,679 |
| Net interest margin | 3.9841% | 2,467 |
| Noninterest income to average assets | 0.7956% | 2,280 |
| Noninterest expense to average assets | 2.8920% | 3,671 |
| Loan and lease loss provision to assets | 0.0959% | 4,455 |
| Net operating income to assets | 1.1129% | 1,896 |
| Return on assets (ROA) | 1.3047% | 1,432 |
| Pretax return on assets | 1.8298% | 872 |
| Return on Equity (ROE) | 12.0658% | 1,491 |
| Retained earnings to average equity (ytd only) | 6.9890% | 1,571 |
| Net charge-offs to loans | -0.0031% | 6,352 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5934% | 4,964 |
| Assets per employee ($millions) | 3.3958% | 5,227 |
| Cash dividends to net income (ytd only)* | 42.0759% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 4,525 |
| Loan loss allowance to noncurrent loans | 5,440.9091% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.3309% | 5,678 |
| Noncurrent loans to loans | 0.0243% | 6,465 |
| Net loans and leases to total assets | 69.2808% | 1,979 |
| Net loans and leases to deposits | 89.2853% | 1,136 |
| Net loans and leases to core deposits | 92.2267% | 1,618 |
| Total domestic deposits to total assets | 77.5949% | 6,147 |
| Equity capital to assets | 11.2512% | 2,686 |
| Core capital (leverage) ratio | 10.4687% | 2,803 |
| Tier 1 risk-based capital ratio | 15.7022% | 3,316 |
| Total risk-based capital ratio | 16.9537% | 3,274 |
| Memoranda: | ||
| Average total assets | $260,680,600 | 2,430 |
| Average earning assets | $245,503,800 | 2,363 |
| Average equity | $28,187,200 | 2,381 |
| Average total loans | $163,249,000 | 2,382 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5976% | 3,210 |
| Cost of funding earning assets | 0.7040% | 3,730 |
| Net interest margin | 3.8936% | 2,933 |
| Noninterest income to average assets | 0.7944% | 2,267 |
| Noninterest expense to average assets | 2.7372% | 4,223 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2080% | 1,704 |
| Return on assets (ROA) | 1.3745% | 1,417 |
| Pretax return on assets | 1.9632% | 760 |
| Return on Equity (ROE) | 12.8398% | 1,380 |
| Retained earnings to average equity (ytd only) | 9.4273% | 1,085 |
| Net charge-offs to loans | -0.0126% | 6,406 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3353% | 5,254 |
| Assets per employee ($millions) | 3.4636% | 5,051 |
| Cash dividends to net income (ytd only)* | 26.5775% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 4,907 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 5,848 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 63.1898% | 3,173 |
| Net loans and leases to deposits | 79.6353% | 2,452 |
| Net loans and leases to core deposits | 82.9890% | 2,825 |
| Total domestic deposits to total assets | 79.3490% | 5,796 |
| Equity capital to assets | 11.1307% | 3,119 |
| Core capital (leverage) ratio | 10.9818% | 2,404 |
| Tier 1 risk-based capital ratio | 16.5180% | 2,989 |
| Total risk-based capital ratio | 17.7625% | 2,960 |
| Memoranda: | ||
| Average total assets | $261,330,750 | 2,447 |
| Average earning assets | $246,208,000 | 2,386 |
| Average equity | $27,974,750 | 2,412 |
| Average total loans | $158,762,750 | 2,463 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5645% | 3,507 |
| Cost of funding earning assets | 0.7427% | 3,666 |
| Net interest margin | 3.8219% | 3,261 |
| Noninterest income to average assets | 0.7741% | 2,320 |
| Noninterest expense to average assets | 2.7442% | 4,236 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1494% | 1,882 |
| Return on assets (ROA) | 1.3978% | 1,341 |
| Pretax return on assets | 1.9763% | 722 |
| Return on Equity (ROE) | 13.2350% | 1,301 |
| Retained earnings to average equity (ytd only) | 8.0340% | 1,625 |
| Net charge-offs to loans | -0.0141% | 6,355 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7874% | 5,118 |
| Assets per employee ($millions) | 3.3711% | 5,271 |
| Cash dividends to net income (ytd only)* | 39.2975% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3756% | 4,551 |
| Loan loss allowance to noncurrent loans | 2,240.6250% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.6823% | 5,063 |
| Noncurrent loans to loans | 0.0614% | 6,514 |
| Net loans and leases to total assets | 60.1922% | 3,781 |
| Net loans and leases to deposits | 73.2002% | 3,427 |
| Net loans and leases to core deposits | 76.6740% | 3,696 |
| Total domestic deposits to total assets | 82.2295% | 5,044 |
| Equity capital to assets | 10.9627% | 3,161 |
| Core capital (leverage) ratio | 10.7264% | 2,568 |
| Tier 1 risk-based capital ratio | 16.8908% | 2,720 |
| Total risk-based capital ratio | 18.1437% | 2,681 |
| Memoranda: | ||
| Average total assets | $260,695,330 | 2,452 |
| Average earning assets | $245,325,670 | 2,396 |
| Average equity | $27,533,000 | 2,442 |
| Average total loans | $155,519,330 | 2,526 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5750% | 3,620 |
| Cost of funding earning assets | 0.7735% | 3,673 |
| Net interest margin | 3.8014% | 3,390 |
| Noninterest income to average assets | 0.7378% | 2,457 |
| Noninterest expense to average assets | 2.6531% | 4,607 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1879% | 1,774 |
| Return on assets (ROA) | 1.3402% | 1,508 |
| Pretax return on assets | 1.8803% | 916 |
| Return on Equity (ROE) | 12.9293% | 1,423 |
| Retained earnings to average equity (ytd only) | 2.4215% | 5,051 |
| Net charge-offs to loans | -0.0232% | 6,230 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4301% | 5,377 |
| Assets per employee ($millions) | 3.4192% | 5,299 |
| Cash dividends to net income (ytd only)* | 81.2713% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 4,642 |
| Loan loss allowance to noncurrent loans | 379.5053% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.6731% | 5,214 |
| Noncurrent loans to loans | 0.3674% | 5,936 |
| Net loans and leases to total assets | 58.4540% | 3,963 |
| Net loans and leases to deposits | 71.0518% | 3,579 |
| Net loans and leases to core deposits | 74.2578% | 3,873 |
| Total domestic deposits to total assets | 82.2696% | 5,210 |
| Equity capital to assets | 10.5854% | 3,392 |
| Core capital (leverage) ratio | 10.3344% | 2,950 |
| Tier 1 risk-based capital ratio | 16.3490% | 2,989 |
| Total risk-based capital ratio | 17.6024% | 2,946 |
| Memoranda: | ||
| Average total assets | $262,940,000 | 2,449 |
| Average earning assets | $247,696,500 | 2,384 |
| Average equity | $27,256,000 | 2,457 |
| Average total loans | $155,095,500 | 2,557 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8116% | 3,756 |
| Cost of funding earning assets | 0.9505% | 3,717 |
| Net interest margin | 3.8611% | 3,513 |
| Noninterest income to average assets | 0.8662% | 1,783 |
| Noninterest expense to average assets | 2.8955% | 3,976 |
| Loan and lease loss provision to assets | 0.0769% | 5,650 |
| Net operating income to assets | 1.1754% | 1,584 |
| Return on assets (ROA) | 1.1781% | 1,691 |
| Pretax return on assets | 1.5160% | 1,423 |
| Return on Equity (ROE) | 12.4244% | 1,292 |
| Retained earnings to average equity (ytd only) | 9.9671% | 575 |
| Net charge-offs to loans | -0.1770% | 7,202 |
| Credit loss provision to net charge-offs | -70.6714% | 6,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5607% | 5,026 |
| Assets per employee ($millions) | 3.7468% | 4,445 |
| Cash dividends to net income (ytd only)* | 19.7781% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3699% | 4,597 |
| Loan loss allowance to noncurrent loans | 432.1212% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.5699% | 5,551 |
| Noncurrent loans to loans | 0.3170% | 6,097 |
| Net loans and leases to total assets | 57.8924% | 4,387 |
| Net loans and leases to deposits | 73.1745% | 3,637 |
| Net loans and leases to core deposits | 76.5247% | 3,903 |
| Total domestic deposits to total assets | 79.1156% | 5,970 |
| Equity capital to assets | 10.1515% | 3,971 |
| Core capital (leverage) ratio | 9.8691% | 3,495 |
| Tier 1 risk-based capital ratio | 15.8801% | 3,106 |
| Total risk-based capital ratio | 17.1332% | 3,068 |
| Memoranda: | ||
| Average total assets | $260,089,200 | 2,427 |
| Average earning assets | $243,765,800 | 2,362 |
| Average equity | $24,661,200 | 2,608 |
| Average total loans | $159,857,000 | 2,497 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8621% | 3,720 |
| Cost of funding earning assets | 0.9954% | 3,711 |
| Net interest margin | 3.8667% | 3,538 |
| Noninterest income to average assets | 0.8992% | 1,656 |
| Noninterest expense to average assets | 2.7073% | 4,694 |
| Loan and lease loss provision to assets | 0.1031% | 5,155 |
| Net operating income to assets | 1.3221% | 1,320 |
| Return on assets (ROA) | 1.3261% | 1,402 |
| Pretax return on assets | 1.7127% | 1,115 |
| Return on Equity (ROE) | 14.2439% | 991 |
| Retained earnings to average equity (ytd only) | 10.8878% | 652 |
| Net charge-offs to loans | -0.2131% | 7,271 |
| Credit loss provision to net charge-offs | -77.8210% | 6,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9224% | 5,734 |
| Assets per employee ($millions) | 3.6396% | 4,662 |
| Cash dividends to net income (ytd only)* | 23.5614% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 4,768 |
| Loan loss allowance to noncurrent loans | 3,986.7925% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.4067% | 6,064 |
| Noncurrent loans to loans | 0.0339% | 6,857 |
| Net loans and leases to total assets | 59.6908% | 4,193 |
| Net loans and leases to deposits | 71.3862% | 4,085 |
| Net loans and leases to core deposits | 74.4744% | 4,386 |
| Total domestic deposits to total assets | 83.6167% | 4,420 |
| Equity capital to assets | 10.1989% | 4,089 |
| Core capital (leverage) ratio | 9.9982% | 3,448 |
| Tier 1 risk-based capital ratio | 15.7990% | 3,220 |
| Total risk-based capital ratio | 17.0529% | 3,175 |
| Memoranda: | ||
| Average total assets | $258,606,250 | 2,451 |
| Average earning assets | $242,029,250 | 2,388 |
| Average equity | $24,075,250 | 2,662 |
| Average total loans | $160,785,000 | 2,498 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8508% | 3,863 |
| Cost of funding earning assets | 1.0495% | 3,603 |
| Net interest margin | 3.8013% | 3,780 |
| Noninterest income to average assets | 0.9665% | 1,413 |
| Noninterest expense to average assets | 2.7115% | 4,773 |
| Loan and lease loss provision to assets | 0.1546% | 4,382 |
| Net operating income to assets | 1.2952% | 1,335 |
| Return on assets (ROA) | 1.3044% | 1,383 |
| Pretax return on assets | 1.6600% | 1,132 |
| Return on Equity (ROE) | 14.4712% | 892 |
| Retained earnings to average equity (ytd only) | 9.2643% | 1,027 |
| Net charge-offs to loans | -0.2934% | 7,346 |
| Credit loss provision to net charge-offs | -84.0336% | 6,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0617% | 5,859 |
| Assets per employee ($millions) | 3.6927% | 4,465 |
| Cash dividends to net income (ytd only)* | 35.9810% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 4,999 |
| Loan loss allowance to noncurrent loans | 9,976.1905% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 6,234 |
| Noncurrent loans to loans | 0.0132% | 6,977 |
| Net loans and leases to total assets | 60.0713% | 4,259 |
| Net loans and leases to deposits | 71.2106% | 4,260 |
| Net loans and leases to core deposits | 75.2567% | 4,402 |
| Total domestic deposits to total assets | 84.3572% | 4,188 |
| Equity capital to assets | 9.4723% | 4,855 |
| Core capital (leverage) ratio | 9.6530% | 3,726 |
| Tier 1 risk-based capital ratio | 15.4008% | 3,293 |
| Total risk-based capital ratio | 16.6550% | 3,236 |
| Memoranda: | ||
| Average total assets | $258,671,670 | 2,467 |
| Average earning assets | $241,446,670 | 2,413 |
| Average equity | $23,315,330 | 2,725 |
| Average total loans | $162,260,000 | 2,509 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8767% | 3,701 |
| Cost of funding earning assets | 1.1016% | 3,507 |
| Net interest margin | 3.7751% | 3,734 |
| Noninterest income to average assets | 0.7863% | 2,086 |
| Noninterest expense to average assets | 2.6779% | 4,927 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2751% | 1,334 |
| Return on assets (ROA) | 1.2751% | 1,380 |
| Pretax return on assets | 1.6192% | 1,144 |
| Return on Equity (ROE) | 14.5242% | 905 |
| Retained earnings to average equity (ytd only) | 4.7527% | 3,340 |
| Net charge-offs to loans | -0.0049% | 6,236 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3188% | 5,633 |
| Assets per employee ($millions) | 3.6014% | 4,752 |
| Cash dividends to net income (ytd only)* | 67.2772% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 6,335 |
| Loan loss allowance to noncurrent loans | 926.8156% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.8504% | 5,202 |
| Noncurrent loans to loans | 0.1095% | 6,775 |
| Net loans and leases to total assets | 62.3804% | 3,779 |
| Net loans and leases to deposits | 73.6778% | 3,810 |
| Net loans and leases to core deposits | 76.8459% | 4,184 |
| Total domestic deposits to total assets | 84.6665% | 4,200 |
| Equity capital to assets | 8.9398% | 5,297 |
| Core capital (leverage) ratio | 9.5453% | 3,738 |
| Tier 1 risk-based capital ratio | 14.4899% | 3,744 |
| Total risk-based capital ratio | 15.4742% | 3,894 |
| Memoranda: | ||
| Average total assets | $256,915,000 | 2,499 |
| Average earning assets | $238,932,500 | 2,459 |
| Average equity | $22,555,500 | 2,797 |
| Average total loans | $163,593,500 | 2,511 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0990% | 4,101 |
| Cost of funding earning assets | 1.3400% | 3,643 |
| Net interest margin | 3.7590% | 4,111 |
| Noninterest income to average assets | 0.6925% | 2,884 |
| Noninterest expense to average assets | 2.9156% | 4,163 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.0251% | 1,950 |
| Return on assets (ROA) | 1.0320% | 2,036 |
| Pretax return on assets | 1.2942% | 1,944 |
| Return on Equity (ROE) | 11.6903% | 1,394 |
| Retained earnings to average equity (ytd only) | 9.2261% | 658 |
| Net charge-offs to loans | 0.0899% | 5,941 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 22.3014% | 932 |
| Efficiency ratio | 69.4014% | 4,296 |
| Assets per employee ($millions) | 3.5351% | 4,859 |
| Cash dividends to net income (ytd only)* | 21.0788% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 6,325 |
| Loan loss allowance to noncurrent loans | 55,266.6667% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.9932% | 5,022 |
| Noncurrent loans to loans | 0.0018% | 7,171 |
| Net loans and leases to total assets | 63.6929% | 3,940 |
| Net loans and leases to deposits | 75.0177% | 4,023 |
| Net loans and leases to core deposits | 78.3234% | 4,419 |
| Total domestic deposits to total assets | 84.9039% | 3,909 |
| Equity capital to assets | 8.6159% | 5,699 |
| Core capital (leverage) ratio | 9.3503% | 3,925 |
| Tier 1 risk-based capital ratio | 13.5357% | 4,172 |
| Total risk-based capital ratio | 14.4649% | 4,395 |
| Memoranda: | ||
| Average total assets | $253,290,000 | 2,517 |
| Average earning assets | $236,420,200 | 2,466 |
| Average equity | $22,360,400 | 2,837 |
| Average total loans | $162,455,600 | 2,585 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0967% | 4,335 |
| Cost of funding earning assets | 1.3848% | 3,669 |
| Net interest margin | 3.7118% | 4,347 |
| Noninterest income to average assets | 0.8190% | 2,131 |
| Noninterest expense to average assets | 2.7754% | 4,581 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2103% | 1,567 |
| Return on assets (ROA) | 1.2196% | 1,613 |
| Pretax return on assets | 1.5247% | 1,545 |
| Return on Equity (ROE) | 13.7318% | 1,086 |
| Retained earnings to average equity (ytd only) | 10.4620% | 692 |
| Net charge-offs to loans | 0.1217% | 5,331 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 19.3985% | 1,214 |
| Efficiency ratio | 64.7167% | 5,104 |
| Assets per employee ($millions) | 3.6488% | 4,622 |
| Cash dividends to net income (ytd only)* | 23.8116% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 6,356 |
| Loan loss allowance to noncurrent loans | 82,800.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.5972% | 5,946 |
| Noncurrent loans to loans | 0.0012% | 7,275 |
| Net loans and leases to total assets | 62.7199% | 4,379 |
| Net loans and leases to deposits | 76.0461% | 4,170 |
| Net loans and leases to core deposits | 79.0561% | 4,654 |
| Total domestic deposits to total assets | 82.4761% | 4,811 |
| Equity capital to assets | 9.2672% | 5,191 |
| Core capital (leverage) ratio | 9.2382% | 4,299 |
| Tier 1 risk-based capital ratio | 13.5614% | 4,155 |
| Total risk-based capital ratio | 14.5029% | 4,353 |
| Memoranda: | ||
| Average total assets | $252,980,250 | 2,557 |
| Average earning assets | $236,462,750 | 2,498 |
| Average equity | $22,468,000 | 2,868 |
| Average total loans | $162,125,750 | 2,627 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1225% | 4,333 |
| Cost of funding earning assets | 1.4278% | 3,693 |
| Net interest margin | 3.6948% | 4,385 |
| Noninterest income to average assets | 0.8344% | 1,949 |
| Noninterest expense to average assets | 2.7543% | 4,689 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2202% | 1,508 |
| Return on assets (ROA) | 1.2202% | 1,565 |
| Pretax return on assets | 1.5326% | 1,471 |
| Return on Equity (ROE) | 13.9469% | 1,051 |
| Retained earnings to average equity (ytd only) | 8.9275% | 1,126 |
| Net charge-offs to loans | 0.2440% | 4,135 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 9.7614% | 1,978 |
| Efficiency ratio | 64.2499% | 5,286 |
| Assets per employee ($millions) | 3.6050% | 4,685 |
| Cash dividends to net income (ytd only)* | 35.9895% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 6,421 |
| Loan loss allowance to noncurrent loans | 181.2641% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.9498% | 5,236 |
| Noncurrent loans to loans | 0.5498% | 6,151 |
| Net loans and leases to total assets | 62.3356% | 4,619 |
| Net loans and leases to deposits | 75.2599% | 4,473 |
| Net loans and leases to core deposits | 78.2707% | 4,898 |
| Total domestic deposits to total assets | 82.8271% | 4,642 |
| Equity capital to assets | 8.7726% | 5,784 |
| Core capital (leverage) ratio | 9.0537% | 4,518 |
| Tier 1 risk-based capital ratio | 13.2301% | 4,265 |
| Total risk-based capital ratio | 14.1510% | 4,478 |
| Memoranda: | ||
| Average total assets | $250,952,670 | 2,594 |
| Average earning assets | $234,493,000 | 2,547 |
| Average equity | $21,954,670 | 2,925 |
| Average total loans | $161,454,330 | 2,676 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1284% | 4,407 |
| Cost of funding earning assets | 1.4813% | 3,686 |
| Net interest margin | 3.6471% | 4,503 |
| Noninterest income to average assets | 0.8356% | 1,863 |
| Noninterest expense to average assets | 2.6870% | 4,968 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2139% | 1,503 |
| Return on assets (ROA) | 1.2139% | 1,575 |
| Pretax return on assets | 1.5536% | 1,385 |
| Return on Equity (ROE) | 13.8954% | 1,072 |
| Retained earnings to average equity (ytd only) | 13.8954% | 520 |
| Net charge-offs to loans | 0.3663% | 2,949 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 6.5203% | 2,208 |
| Efficiency ratio | 63.3637% | 5,609 |
| Assets per employee ($millions) | 3.5161% | 4,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 6,331 |
| Loan loss allowance to noncurrent loans | 624.5283% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.6489% | 5,898 |
| Noncurrent loans to loans | 0.1646% | 7,006 |
| Net loans and leases to total assets | 63.8110% | 4,372 |
| Net loans and leases to deposits | 77.3450% | 4,159 |
| Net loans and leases to core deposits | 80.6606% | 4,680 |
| Total domestic deposits to total assets | 82.5017% | 4,852 |
| Equity capital to assets | 8.8206% | 5,509 |
| Core capital (leverage) ratio | 9.2419% | 4,155 |
| Tier 1 risk-based capital ratio | 13.8695% | 3,751 |
| Total risk-based capital ratio | 14.8743% | 3,872 |
| Memoranda: | ||
| Average total assets | $248,451,500 | 2,669 |
| Average earning assets | $231,963,000 | 2,622 |
| Average equity | $21,705,000 | 2,978 |
| Average total loans | $161,603,000 | 2,739 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5283% | 3,998 |
| Cost of funding earning assets | 1.9090% | 3,416 |
| Net interest margin | 3.6194% | 4,477 |
| Noninterest income to average assets | 0.8672% | 2,092 |
| Noninterest expense to average assets | 2.9296% | 4,426 |
| Loan and lease loss provision to assets | 0.4674% | 4,027 |
| Net operating income to assets | 0.7486% | 2,728 |
| Return on assets (ROA) | 0.7945% | 2,645 |
| Pretax return on assets | 0.8829% | 2,978 |
| Return on Equity (ROE) | 9.2889% | 1,927 |
| Retained earnings to average equity (ytd only) | 6.5469% | 1,138 |
| Net charge-offs to loans | 0.5991% | 3,421 |
| Credit loss provision to net charge-offs | 115.6677% | 4,709 |
| Earnings coverage of net charge-offs (x) | 3.2156% | 3,443 |
| Efficiency ratio | 69.2756% | 4,773 |
| Assets per employee ($millions) | 3.4825% | 5,049 |
| Cash dividends to net income (ytd only)* | 29.5187% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 5,844 |
| Loan loss allowance to noncurrent loans | 147.3856% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.5759% | 6,022 |
| Noncurrent loans to loans | 0.7544% | 5,756 |
| Net loans and leases to total assets | 64.8901% | 4,390 |
| Net loans and leases to deposits | 78.5359% | 4,269 |
| Net loans and leases to core deposits | 98.0033% | 4,219 |
| Total domestic deposits to total assets | 82.6248% | 4,697 |
| Equity capital to assets | 8.6508% | 5,662 |
| Core capital (leverage) ratio | 8.9391% | 4,523 |
| Tier 1 risk-based capital ratio | 13.3329% | 3,924 |
| Total risk-based capital ratio | 14.4218% | 3,980 |
| Memoranda: | ||
| Average total assets | $235,360,000 | 2,763 |
| Average earning assets | $218,601,000 | 2,725 |
| Average equity | $20,131,600 | 3,175 |
| Average total loans | $158,738,200 | 2,781 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6160% | 3,768 |
| Cost of funding earning assets | 1.9845% | 3,441 |
| Net interest margin | 3.6316% | 4,368 |
| Noninterest income to average assets | 0.8687% | 2,107 |
| Noninterest expense to average assets | 2.8481% | 4,681 |
| Loan and lease loss provision to assets | 0.1434% | 5,919 |
| Net operating income to assets | 1.0205% | 1,988 |
| Return on assets (ROA) | 1.0769% | 1,859 |
| Pretax return on assets | 1.3122% | 1,927 |
| Return on Equity (ROE) | 12.6286% | 1,197 |
| Retained earnings to average equity (ytd only) | 8.9147% | 866 |
| Net charge-offs to loans | 0.4384% | 3,488 |
| Credit loss provision to net charge-offs | 48.1696% | 6,339 |
| Earnings coverage of net charge-offs (x) | 4.6571% | 3,053 |
| Efficiency ratio | 67.2538% | 5,126 |
| Assets per employee ($millions) | 3.4505% | 5,051 |
| Cash dividends to net income (ytd only)* | 29.4086% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8728% | 6,874 |
| Loan loss allowance to noncurrent loans | 72.6035% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 0.7792% | 5,570 |
| Noncurrent loans to loans | 1.2021% | 4,938 |
| Net loans and leases to total assets | 64.2546% | 4,813 |
| Net loans and leases to deposits | 78.5203% | 4,657 |
| Net loans and leases to core deposits | 100.6097% | 4,305 |
| Total domestic deposits to total assets | 81.8318% | 4,750 |
| Equity capital to assets | 9.1319% | 5,286 |
| Core capital (leverage) ratio | 9.2468% | 4,268 |
| Tier 1 risk-based capital ratio | 13.6832% | 3,727 |
| Total risk-based capital ratio | 14.5415% | 3,940 |
| Memoranda: | ||
| Average total assets | $232,384,750 | 2,814 |
| Average earning assets | $215,401,250 | 2,780 |
| Average equity | $19,817,000 | 3,268 |
| Average total loans | $157,859,750 | 2,832 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7994% | 3,046 |
| Cost of funding earning assets | 2.0702% | 3,419 |
| Net interest margin | 3.7291% | 3,836 |
| Noninterest income to average assets | 0.8519% | 2,175 |
| Noninterest expense to average assets | 2.9213% | 4,427 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1112% | 1,734 |
| Return on assets (ROA) | 1.1964% | 1,570 |
| Pretax return on assets | 1.4760% | 1,509 |
| Return on Equity (ROE) | 14.3947% | 924 |
| Retained earnings to average equity (ytd only) | 8.5735% | 1,050 |
| Net charge-offs to loans | 0.1574% | 4,622 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 12.6129% | 1,805 |
| Efficiency ratio | 68.0621% | 5,148 |
| Assets per employee ($millions) | 3.1759% | 5,637 |
| Cash dividends to net income (ytd only)* | 40.4396% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9707% | 6,439 |
| Loan loss allowance to noncurrent loans | 139.5624% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.7353% | 5,580 |
| Noncurrent loans to loans | 0.6955% | 5,858 |
| Net loans and leases to total assets | 66.4580% | 4,468 |
| Net loans and leases to deposits | 80.9169% | 4,403 |
| Net loans and leases to core deposits | 102.7627% | 4,205 |
| Total domestic deposits to total assets | 82.1312% | 4,634 |
| Equity capital to assets | 8.3393% | 6,276 |
| Core capital (leverage) ratio | 9.2499% | 4,236 |
| Tier 1 risk-based capital ratio | 13.3180% | 3,927 |
| Total risk-based capital ratio | 14.2625% | 4,057 |
| Memoranda: | ||
| Average total assets | $228,183,670 | 2,880 |
| Average earning assets | $210,506,330 | 2,865 |
| Average equity | $18,965,330 | 3,397 |
| Average total loans | $157,545,670 | 2,866 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9805% | 2,440 |
| Cost of funding earning assets | 2.1400% | 3,463 |
| Net interest margin | 3.8405% | 3,293 |
| Noninterest income to average assets | 0.8507% | 2,076 |
| Noninterest expense to average assets | 2.7727% | 4,689 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2618% | 1,473 |
| Return on assets (ROA) | 1.2618% | 1,575 |
| Pretax return on assets | 1.6070% | 1,386 |
| Return on Equity (ROE) | 15.2077% | 937 |
| Retained earnings to average equity (ytd only) | 3.3676% | 4,010 |
| Net charge-offs to loans | -0.0838% | 7,834 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3076% | 5,811 |
| Assets per employee ($millions) | 3.1128% | 5,860 |
| Cash dividends to net income (ytd only)* | 77.8561% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 5,658 |
| Loan loss allowance to noncurrent loans | 251.5648% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.4324% | 6,210 |
| Noncurrent loans to loans | 0.4269% | 6,353 |
| Net loans and leases to total assets | 67.4999% | 4,242 |
| Net loans and leases to deposits | 82.2939% | 4,238 |
| Net loans and leases to core deposits | 103.4237% | 4,198 |
| Total domestic deposits to total assets | 82.0230% | 4,538 |
| Equity capital to assets | 8.2060% | 6,529 |
| Core capital (leverage) ratio | 9.3401% | 4,185 |
| Tier 1 risk-based capital ratio | 12.8538% | 4,288 |
| Total risk-based capital ratio | 13.8905% | 4,361 |
| Memoranda: | ||
| Average total assets | $224,766,000 | 2,934 |
| Average earning assets | $206,537,500 | 2,929 |
| Average equity | $18,648,500 | 3,461 |
| Average total loans | $157,458,500 | 2,888 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4068% | 3,381 |
| Cost of funding earning assets | 2.5070% | 4,171 |
| Net interest margin | 3.8998% | 3,568 |
| Noninterest income to average assets | 1.1767% | 1,108 |
| Noninterest expense to average assets | 3.1711% | 3,444 |
| Loan and lease loss provision to assets | 0.1604% | 5,328 |
| Net operating income to assets | 1.0923% | 2,176 |
| Return on assets (ROA) | 1.0923% | 2,094 |
| Pretax return on assets | 1.3697% | 2,056 |
| Return on Equity (ROE) | 12.6022% | 1,425 |
| Retained earnings to average equity (ytd only) | 9.6082% | 508 |
| Net charge-offs to loans | 0.1040% | 5,269 |
| Credit loss provision to net charge-offs | 217.9487% | 2,202 |
| Earnings coverage of net charge-offs (x) | 20.7885% | 1,560 |
| Efficiency ratio | 67.4528% | 4,826 |
| Assets per employee ($millions) | 3.0026% | 6,052 |
| Cash dividends to net income (ytd only)* | 23.7581% | 4,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 5,640 |
| Loan loss allowance to noncurrent loans | 2,362.8571% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 6,760 |
| Noncurrent loans to loans | 0.0444% | 7,329 |
| Net loans and leases to total assets | 71.2142% | 3,745 |
| Net loans and leases to deposits | 88.1090% | 3,790 |
| Net loans and leases to core deposits | 110.3380% | 3,741 |
| Total domestic deposits to total assets | 80.8251% | 4,727 |
| Equity capital to assets | 8.3923% | 6,269 |
| Core capital (leverage) ratio | 9.4235% | 4,124 |
| Tier 1 risk-based capital ratio | 12.6214% | 4,353 |
| Total risk-based capital ratio | 13.6264% | 4,425 |
| Memoranda: | ||
| Average total assets | $211,946,800 | 2,982 |
| Average earning assets | $191,546,200 | 3,015 |
| Average equity | $18,369,800 | 3,498 |
| Average total loans | $150,062,200 | 2,930 |