Home > First Security Bank > Performance and Condition Ratios
First Security Bank, Performance and Condition Ratios
| 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 | 4.1907% | 2,720 |
| Cost of funding earning assets | 0.1141% | 5,435 |
| Net interest margin | 4.0766% | 1,515 |
| Noninterest income to average assets | 0.5167% | 2,897 |
| Noninterest expense to average assets | 2.5493% | 3,609 |
| Loan and lease loss provision to assets | 0.0721% | 2,769 |
| Net operating income to assets | 1.6032% | 650 |
| Return on assets (ROA) | 1.6038% | 663 |
| Pretax return on assets | 1.6038% | 1,281 |
| Return on Equity (ROE) | 15.1130% | 593 |
| Retained earnings to average equity (ytd only) | 8.0408% | 751 |
| Net charge-offs to loans | 0.0889% | 2,202 |
| Credit loss provision to net charge-offs | 127.4336% | 2,065 |
| Earnings coverage of net charge-offs (x) | 29.5965% | 1,563 |
| Efficiency ratio | 59.6201% | 4,315 |
| Assets per employee ($millions) | 5.3628% | 2,095 |
| Cash dividends to net income (ytd only)* | 46.7954% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8622% | 691 |
| Loan loss allowance to noncurrent loans | 216.1829% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.5564% | 2,689 |
| Noncurrent loans to loans | 0.8614% | 2,076 |
| Net loans and leases to total assets | 61.3074% | 3,701 |
| Net loans and leases to deposits | 70.4285% | 3,838 |
| Net loans and leases to core deposits | 73.5407% | 3,913 |
| Total domestic deposits to total assets | 87.0491% | 1,972 |
| Equity capital to assets | 10.7102% | 2,932 |
| Core capital (leverage) ratio | 9.6883% | 3,827 |
| Tier 1 risk-based capital ratio | 12.6699% | 4,106 |
| Total risk-based capital ratio | 13.9233% | 3,999 |
| Memoranda: | ||
| Average total assets | $998,117,200 | 739 |
| Average earning assets | $907,867,200 | 744 |
| Average equity | $105,922,000 | 773 |
| Average total loans | $635,190,000 | 829 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1725% | 2,707 |
| Cost of funding earning assets | 0.1080% | 5,528 |
| Net interest margin | 4.0645% | 1,499 |
| Noninterest income to average assets | 0.5071% | 2,993 |
| Noninterest expense to average assets | 2.5822% | 3,462 |
| Loan and lease loss provision to assets | 0.0726% | 2,621 |
| Net operating income to assets | 1.5530% | 801 |
| Return on assets (ROA) | 1.5539% | 817 |
| Pretax return on assets | 1.5539% | 1,566 |
| Return on Equity (ROE) | 14.6772% | 707 |
| Retained earnings to average equity (ytd only) | 6.1536% | 2,142 |
| Net charge-offs to loans | 0.1180% | 1,612 |
| Credit loss provision to net charge-offs | 96.2567% | 2,369 |
| Earnings coverage of net charge-offs (x) | 21.5508% | 1,908 |
| Efficiency ratio | 60.6346% | 4,110 |
| Assets per employee ($millions) | 5.2860% | 2,132 |
| Cash dividends to net income (ytd only)* | 58.0738% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7852% | 876 |
| Loan loss allowance to noncurrent loans | 254.2777% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.4823% | 3,124 |
| Noncurrent loans to loans | 0.7021% | 2,602 |
| Net loans and leases to total assets | 63.9731% | 3,401 |
| Net loans and leases to deposits | 73.9363% | 3,578 |
| Net loans and leases to core deposits | 77.2960% | 3,699 |
| Total domestic deposits to total assets | 86.5246% | 2,091 |
| Equity capital to assets | 10.7021% | 3,161 |
| Core capital (leverage) ratio | 9.6927% | 3,949 |
| Tier 1 risk-based capital ratio | 12.6114% | 4,257 |
| Total risk-based capital ratio | 13.8652% | 4,155 |
| Memoranda: | ||
| Average total assets | $991,574,750 | 751 |
| Average earning assets | $902,845,250 | 757 |
| Average equity | $104,976,750 | 780 |
| Average total loans | $634,017,500 | 830 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1385% | 2,714 |
| Cost of funding earning assets | 0.0944% | 5,618 |
| Net interest margin | 4.0442% | 1,476 |
| Noninterest income to average assets | 0.5069% | 2,974 |
| Noninterest expense to average assets | 2.5839% | 3,485 |
| Loan and lease loss provision to assets | 0.0731% | 2,510 |
| Net operating income to assets | 1.5285% | 816 |
| Return on assets (ROA) | 1.5295% | 836 |
| Pretax return on assets | 1.5295% | 1,547 |
| Return on Equity (ROE) | 14.5009% | 737 |
| Retained earnings to average equity (ytd only) | 5.0620% | 2,674 |
| Net charge-offs to loans | 0.1702% | 1,143 |
| Credit loss provision to net charge-offs | 67.5422% | 2,403 |
| Earnings coverage of net charge-offs (x) | 14.8068% | 2,051 |
| Efficiency ratio | 60.9988% | 4,167 |
| Assets per employee ($millions) | 5.1362% | 2,226 |
| Cash dividends to net income (ytd only)* | 65.0922% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8106% | 869 |
| Loan loss allowance to noncurrent loans | 260.7561% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.4763% | 3,192 |
| Noncurrent loans to loans | 0.6944% | 2,673 |
| Net loans and leases to total assets | 63.7237% | 3,428 |
| Net loans and leases to deposits | 73.4723% | 3,600 |
| Net loans and leases to core deposits | 76.7469% | 3,703 |
| Total domestic deposits to total assets | 86.7316% | 2,074 |
| Equity capital to assets | 10.7680% | 3,064 |
| Core capital (leverage) ratio | 9.5151% | 4,120 |
| Tier 1 risk-based capital ratio | 10.9104% | 5,301 |
| Total risk-based capital ratio | 12.1617% | 5,209 |
| Memoranda: | ||
| Average total assets | $985,558,670 | 756 |
| Average earning assets | $896,454,330 | 765 |
| Average equity | $103,952,000 | 789 |
| Average total loans | $626,147,670 | 843 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0421% | 2,895 |
| Cost of funding earning assets | 0.0892% | 5,690 |
| Net interest margin | 3.9529% | 1,598 |
| Noninterest income to average assets | 0.4908% | 3,040 |
| Noninterest expense to average assets | 2.7124% | 3,098 |
| Loan and lease loss provision to assets | 0.0731% | 2,345 |
| Net operating income to assets | 1.3036% | 1,229 |
| Return on assets (ROA) | 1.3036% | 1,262 |
| Pretax return on assets | 1.3036% | 2,221 |
| Return on Equity (ROE) | 12.4900% | 1,113 |
| Retained earnings to average equity (ytd only) | 6.7371% | 1,959 |
| Net charge-offs to loans | 0.5174% | 352 |
| Credit loss provision to net charge-offs | 22.4719% | 2,160 |
| Earnings coverage of net charge-offs (x) | 4.2335% | 2,405 |
| Efficiency ratio | 65.5778% | 3,562 |
| Assets per employee ($millions) | 5.3852% | 1,995 |
| Cash dividends to net income (ytd only)* | 46.0604% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7857% | 981 |
| Loan loss allowance to noncurrent loans | 291.6994% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.4043% | 3,576 |
| Noncurrent loans to loans | 0.6122% | 2,990 |
| Net loans and leases to total assets | 60.8423% | 3,693 |
| Net loans and leases to deposits | 70.1126% | 3,785 |
| Net loans and leases to core deposits | 73.3503% | 3,891 |
| Total domestic deposits to total assets | 86.7780% | 2,321 |
| Equity capital to assets | 10.3084% | 3,397 |
| Core capital (leverage) ratio | 9.5889% | 4,015 |
| Tier 1 risk-based capital ratio | 12.7669% | 4,217 |
| Total risk-based capital ratio | 14.0206% | 4,113 |
| Memoranda: | ||
| Average total assets | $985,267,500 | 760 |
| Average earning assets | $896,858,000 | 767 |
| Average equity | $102,834,000 | 795 |
| Average total loans | $619,224,500 | 849 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0327% | 3,085 |
| Cost of funding earning assets | 0.1055% | 5,677 |
| Net interest margin | 3.9272% | 1,870 |
| Noninterest income to average assets | 0.5163% | 3,121 |
| Noninterest expense to average assets | 2.6365% | 3,563 |
| Loan and lease loss provision to assets | 0.0867% | 2,631 |
| Net operating income to assets | 1.3685% | 1,070 |
| Return on assets (ROA) | 1.4006% | 1,031 |
| Pretax return on assets | 1.4006% | 1,939 |
| Return on Equity (ROE) | 13.5103% | 873 |
| Retained earnings to average equity (ytd only) | 9.6335% | 473 |
| Net charge-offs to loans | -0.0445% | 5,364 |
| Credit loss provision to net charge-offs | -319.1011% | 5,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6775% | 3,999 |
| Assets per employee ($millions) | 5.0710% | 2,312 |
| Cash dividends to net income (ytd only)* | 28.6949% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9136% | 783 |
| Loan loss allowance to noncurrent loans | 351.3893% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.3722% | 3,794 |
| Noncurrent loans to loans | 0.5446% | 3,214 |
| Net loans and leases to total assets | 62.5682% | 3,530 |
| Net loans and leases to deposits | 71.5068% | 3,759 |
| Net loans and leases to core deposits | 75.1400% | 3,830 |
| Total domestic deposits to total assets | 87.4996% | 1,879 |
| Equity capital to assets | 10.5717% | 3,073 |
| Core capital (leverage) ratio | 9.2230% | 4,447 |
| Tier 1 risk-based capital ratio | 11.9676% | 4,754 |
| Total risk-based capital ratio | 13.2214% | 4,634 |
| Memoranda: | ||
| Average total assets | $983,057,200 | 737 |
| Average earning assets | $894,966,600 | 736 |
| Average equity | $101,915,000 | 777 |
| Average total loans | $600,282,600 | 836 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7986% | 3,925 |
| Cost of funding earning assets | 0.0787% | 5,849 |
| Net interest margin | 3.7200% | 2,640 |
| Noninterest income to average assets | 0.5096% | 3,183 |
| Noninterest expense to average assets | 2.7620% | 3,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1661% | 1,743 |
| Return on assets (ROA) | 1.2154% | 1,684 |
| Pretax return on assets | 1.2154% | 2,775 |
| Return on Equity (ROE) | 12.2434% | 1,253 |
| Retained earnings to average equity (ytd only) | 6.4098% | 1,958 |
| Net charge-offs to loans | -0.1476% | 5,687 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3135% | 2,846 |
| Assets per employee ($millions) | 5.3011% | 2,048 |
| Cash dividends to net income (ytd only)* | 47.6466% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2229% | 493 |
| Loan loss allowance to noncurrent loans | 543.2939% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 4,437 |
| Noncurrent loans to loans | 0.4092% | 3,811 |
| Net loans and leases to total assets | 59.7534% | 3,908 |
| Net loans and leases to deposits | 68.4011% | 4,112 |
| Net loans and leases to core deposits | 69.5048% | 4,363 |
| Total domestic deposits to total assets | 87.3573% | 1,731 |
| Equity capital to assets | 9.8179% | 4,340 |
| Core capital (leverage) ratio | 9.1591% | 4,651 |
| Tier 1 risk-based capital ratio | 11.5347% | 5,068 |
| Total risk-based capital ratio | 12.7915% | 4,975 |
| Memoranda: | ||
| Average total assets | $778,414,000 | 923 |
| Average earning assets | $715,331,250 | 932 |
| Average equity | $77,275,000 | 1,033 |
| Average total loans | $479,764,250 | 1,006 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8373% | 3,816 |
| Cost of funding earning assets | 0.0814% | 5,920 |
| Net interest margin | 3.7559% | 2,494 |
| Noninterest income to average assets | 0.5034% | 3,168 |
| Noninterest expense to average assets | 2.7176% | 3,330 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2370% | 1,474 |
| Return on assets (ROA) | 1.3097% | 1,343 |
| Pretax return on assets | 1.3097% | 2,366 |
| Return on Equity (ROE) | 13.1416% | 998 |
| Retained earnings to average equity (ytd only) | 7.7160% | 1,281 |
| Net charge-offs to loans | -0.1328% | 5,707 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7203% | 3,211 |
| Assets per employee ($millions) | 5.0638% | 2,242 |
| Cash dividends to net income (ytd only)* | 41.2853% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2012% | 540 |
| Loan loss allowance to noncurrent loans | 622.9527% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 4,606 |
| Noncurrent loans to loans | 0.3534% | 4,107 |
| Net loans and leases to total assets | 61.5425% | 3,677 |
| Net loans and leases to deposits | 70.6494% | 3,923 |
| Net loans and leases to core deposits | 71.8378% | 4,195 |
| Total domestic deposits to total assets | 87.1096% | 1,857 |
| Equity capital to assets | 10.1635% | 4,007 |
| Core capital (leverage) ratio | 9.2865% | 4,476 |
| Tier 1 risk-based capital ratio | 11.8826% | 4,916 |
| Total risk-based capital ratio | 13.1398% | 4,799 |
| Memoranda: | ||
| Average total assets | $767,528,000 | 936 |
| Average earning assets | $705,241,330 | 945 |
| Average equity | $76,490,000 | 1,043 |
| Average total loans | $474,465,330 | 1,016 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7327% | 4,201 |
| Cost of funding earning assets | 0.0855% | 5,968 |
| Net interest margin | 3.6472% | 2,896 |
| Noninterest income to average assets | 0.4776% | 3,287 |
| Noninterest expense to average assets | 2.8643% | 2,834 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9740% | 2,397 |
| Return on assets (ROA) | 1.1206% | 1,930 |
| Pretax return on assets | 1.1206% | 3,012 |
| Return on Equity (ROE) | 11.3599% | 1,485 |
| Retained earnings to average equity (ytd only) | 6.1033% | 2,331 |
| Net charge-offs to loans | -0.1999% | 5,850 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6236% | 2,387 |
| Assets per employee ($millions) | 4.9932% | 2,350 |
| Cash dividends to net income (ytd only)* | 46.2729% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2783% | 531 |
| Loan loss allowance to noncurrent loans | 389.8182% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 4,152 |
| Noncurrent loans to loans | 0.5844% | 3,437 |
| Net loans and leases to total assets | 59.0312% | 3,916 |
| Net loans and leases to deposits | 68.4435% | 4,013 |
| Net loans and leases to core deposits | 69.4679% | 4,278 |
| Total domestic deposits to total assets | 86.2481% | 2,572 |
| Equity capital to assets | 9.7816% | 4,362 |
| Core capital (leverage) ratio | 9.2778% | 4,516 |
| Tier 1 risk-based capital ratio | 12.1768% | 4,795 |
| Total risk-based capital ratio | 13.4349% | 4,694 |
| Memoranda: | ||
| Average total assets | $761,381,500 | 943 |
| Average earning assets | $701,585,000 | 945 |
| Average equity | $75,106,500 | 1,061 |
| Average total loans | $466,336,500 | 1,031 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8771% | 3,786 |
| Cost of funding earning assets | 0.0917% | 5,995 |
| Net interest margin | 3.7854% | 2,423 |
| Noninterest income to average assets | 0.4972% | 3,348 |
| Noninterest expense to average assets | 2.6740% | 3,676 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2911% | 1,291 |
| Return on assets (ROA) | 1.2918% | 1,334 |
| Pretax return on assets | 1.2918% | 2,320 |
| Return on Equity (ROE) | 12.8975% | 1,080 |
| Retained earnings to average equity (ytd only) | 6.1195% | 1,733 |
| Net charge-offs to loans | -0.1704% | 5,927 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4379% | 3,673 |
| Assets per employee ($millions) | 4.7989% | 2,607 |
| Cash dividends to net income (ytd only)* | 52.5531% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2692% | 538 |
| Loan loss allowance to noncurrent loans | 336.8776% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.4185% | 3,926 |
| Noncurrent loans to loans | 0.6736% | 3,174 |
| Net loans and leases to total assets | 60.7198% | 3,736 |
| Net loans and leases to deposits | 70.3504% | 3,884 |
| Net loans and leases to core deposits | 71.6269% | 4,165 |
| Total domestic deposits to total assets | 86.3106% | 2,485 |
| Equity capital to assets | 9.9513% | 4,015 |
| Core capital (leverage) ratio | 9.0820% | 4,775 |
| Tier 1 risk-based capital ratio | 12.3040% | 4,765 |
| Total risk-based capital ratio | 13.5623% | 4,646 |
| Memoranda: | ||
| Average total assets | $721,618,200 | 964 |
| Average earning assets | $661,094,200 | 965 |
| Average equity | $72,277,600 | 1,056 |
| Average total loans | $447,836,600 | 1,028 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8169% | 4,035 |
| Cost of funding earning assets | 0.0934% | 6,077 |
| Net interest margin | 3.7235% | 2,668 |
| Noninterest income to average assets | 0.4940% | 3,410 |
| Noninterest expense to average assets | 2.5975% | 3,892 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3106% | 1,308 |
| Return on assets (ROA) | 1.3116% | 1,359 |
| Pretax return on assets | 1.3116% | 2,351 |
| Return on Equity (ROE) | 13.0729% | 1,106 |
| Retained earnings to average equity (ytd only) | 5.8368% | 2,342 |
| Net charge-offs to loans | -0.2185% | 6,015 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4634% | 3,810 |
| Assets per employee ($millions) | 4.8292% | 2,518 |
| Cash dividends to net income (ytd only)* | 55.3521% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2957% | 576 |
| Loan loss allowance to noncurrent loans | 330.8642% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.5033% | 3,818 |
| Noncurrent loans to loans | 0.6938% | 3,242 |
| Net loans and leases to total assets | 59.8138% | 3,904 |
| Net loans and leases to deposits | 70.1961% | 3,962 |
| Net loans and leases to core deposits | 71.2417% | 4,253 |
| Total domestic deposits to total assets | 85.2096% | 2,925 |
| Equity capital to assets | 9.9579% | 4,212 |
| Core capital (leverage) ratio | 9.1820% | 4,750 |
| Tier 1 risk-based capital ratio | 12.2383% | 4,934 |
| Total risk-based capital ratio | 13.4969% | 4,823 |
| Memoranda: | ||
| Average total assets | $716,065,000 | 976 |
| Average earning assets | $656,565,750 | 975 |
| Average equity | $71,841,750 | 1,064 |
| Average total loans | $444,260,750 | 1,038 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8104% | 4,027 |
| Cost of funding earning assets | 0.0946% | 6,151 |
| Net interest margin | 3.7158% | 2,643 |
| Noninterest income to average assets | 0.4770% | 3,519 |
| Noninterest expense to average assets | 2.6588% | 3,724 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2297% | 1,518 |
| Return on assets (ROA) | 1.2297% | 1,589 |
| Pretax return on assets | 1.2297% | 2,653 |
| Return on Equity (ROE) | 12.2245% | 1,306 |
| Retained earnings to average equity (ytd only) | 4.3092% | 3,284 |
| Net charge-offs to loans | -0.1543% | 5,945 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3766% | 3,619 |
| Assets per employee ($millions) | 4.5277% | 2,940 |
| Cash dividends to net income (ytd only)* | 64.7492% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2372% | 698 |
| Loan loss allowance to noncurrent loans | 278.3186% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.5871% | 3,653 |
| Noncurrent loans to loans | 0.8038% | 3,104 |
| Net loans and leases to total assets | 61.4752% | 3,628 |
| Net loans and leases to deposits | 72.9557% | 3,621 |
| Net loans and leases to core deposits | 74.3755% | 3,923 |
| Total domestic deposits to total assets | 84.2637% | 3,460 |
| Equity capital to assets | 9.9996% | 4,041 |
| Core capital (leverage) ratio | 9.1471% | 4,756 |
| Tier 1 risk-based capital ratio | 12.4011% | 4,874 |
| Total risk-based capital ratio | 13.6596% | 4,782 |
| Memoranda: | ||
| Average total assets | $706,852,330 | 989 |
| Average earning assets | $648,964,000 | 987 |
| Average equity | $71,103,330 | 1,081 |
| Average total loans | $440,584,670 | 1,048 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6914% | 4,395 |
| Cost of funding earning assets | 0.0950% | 6,225 |
| Net interest margin | 3.5964% | 3,018 |
| Noninterest income to average assets | 0.4623% | 3,559 |
| Noninterest expense to average assets | 2.5255% | 4,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2337% | 1,453 |
| Return on assets (ROA) | 1.2337% | 1,541 |
| Pretax return on assets | 1.2337% | 2,536 |
| Return on Equity (ROE) | 12.2278% | 1,289 |
| Retained earnings to average equity (ytd only) | 1.3373% | 4,950 |
| Net charge-offs to loans | -0.0954% | 5,835 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1816% | 3,961 |
| Assets per employee ($millions) | 4.6159% | 2,884 |
| Cash dividends to net income (ytd only)* | 89.0632% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2557% | 741 |
| Loan loss allowance to noncurrent loans | 223.6686% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.7114% | 3,359 |
| Noncurrent loans to loans | 1.0085% | 2,745 |
| Net loans and leases to total assets | 59.9093% | 3,666 |
| Net loans and leases to deposits | 70.4027% | 3,706 |
| Net loans and leases to core deposits | 71.7062% | 3,998 |
| Total domestic deposits to total assets | 85.0953% | 3,358 |
| Equity capital to assets | 10.0588% | 4,081 |
| Core capital (leverage) ratio | 9.1666% | 4,767 |
| Tier 1 risk-based capital ratio | 12.4315% | 4,957 |
| Total risk-based capital ratio | 13.6900% | 4,862 |
| Memoranda: | ||
| Average total assets | $702,589,500 | 992 |
| Average earning assets | $644,090,500 | 996 |
| Average equity | $70,887,500 | 1,087 |
| Average total loans | $435,955,000 | 1,054 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7753% | 4,566 |
| Cost of funding earning assets | 0.1083% | 6,304 |
| Net interest margin | 3.6670% | 3,138 |
| Noninterest income to average assets | 0.4536% | 3,808 |
| Noninterest expense to average assets | 2.6626% | 3,997 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1573% | 1,740 |
| Return on assets (ROA) | 1.1756% | 1,730 |
| Pretax return on assets | 1.1756% | 2,754 |
| Return on Equity (ROE) | 11.7103% | 1,490 |
| Retained earnings to average equity (ytd only) | 4.6314% | 2,875 |
| Net charge-offs to loans | -0.2445% | 6,294 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7029% | 3,581 |
| Assets per employee ($millions) | 4.5983% | 2,879 |
| Cash dividends to net income (ytd only)* | 60.4499% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2291% | 790 |
| Loan loss allowance to noncurrent loans | 255.4242% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.6438% | 3,641 |
| Noncurrent loans to loans | 0.8727% | 3,132 |
| Net loans and leases to total assets | 61.4251% | 3,586 |
| Net loans and leases to deposits | 72.1103% | 3,672 |
| Net loans and leases to core deposits | 73.6716% | 3,946 |
| Total domestic deposits to total assets | 85.1821% | 3,214 |
| Equity capital to assets | 10.1209% | 3,963 |
| Core capital (leverage) ratio | 9.1600% | 4,734 |
| Tier 1 risk-based capital ratio | 13.0550% | 4,692 |
| Total risk-based capital ratio | 14.3146% | 4,600 |
| Memoranda: | ||
| Average total assets | $676,827,600 | 984 |
| Average earning assets | $621,332,800 | 988 |
| Average equity | $67,948,800 | 1,086 |
| Average total loans | $404,834,000 | 1,088 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7268% | 4,784 |
| Cost of funding earning assets | 0.1105% | 6,377 |
| Net interest margin | 3.6162% | 3,361 |
| Noninterest income to average assets | 0.4366% | 3,981 |
| Noninterest expense to average assets | 2.6535% | 4,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1042% | 2,009 |
| Return on assets (ROA) | 1.1288% | 2,001 |
| Pretax return on assets | 1.1288% | 3,074 |
| Return on Equity (ROE) | 11.2672% | 1,699 |
| Retained earnings to average equity (ytd only) | 4.7242% | 3,265 |
| Net charge-offs to loans | -0.2505% | 6,352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6152% | 3,403 |
| Assets per employee ($millions) | 4.5449% | 2,888 |
| Cash dividends to net income (ytd only)* | 58.0713% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2013% | 949 |
| Loan loss allowance to noncurrent loans | 243.2640% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 3,859 |
| Noncurrent loans to loans | 0.9049% | 3,298 |
| Net loans and leases to total assets | 60.9671% | 3,636 |
| Net loans and leases to deposits | 71.3161% | 3,763 |
| Net loans and leases to core deposits | 72.7574% | 4,081 |
| Total domestic deposits to total assets | 85.4885% | 3,120 |
| Equity capital to assets | 10.0101% | 4,153 |
| Core capital (leverage) ratio | 9.2786% | 4,667 |
| Tier 1 risk-based capital ratio | 13.1268% | 4,783 |
| Total risk-based capital ratio | 14.3862% | 4,706 |
| Memoranda: | ||
| Average total assets | $672,450,000 | 1,002 |
| Average earning assets | $617,572,500 | 1,003 |
| Average equity | $67,367,750 | 1,094 |
| Average total loans | $396,987,000 | 1,107 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5688% | 5,239 |
| Cost of funding earning assets | 0.1141% | 6,435 |
| Net interest margin | 3.4548% | 3,965 |
| Noninterest income to average assets | 0.4325% | 4,005 |
| Noninterest expense to average assets | 2.7173% | 3,802 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8882% | 2,870 |
| Return on assets (ROA) | 0.9254% | 2,782 |
| Pretax return on assets | 0.9254% | 3,782 |
| Return on Equity (ROE) | 9.2343% | 2,486 |
| Retained earnings to average equity (ytd only) | 2.4591% | 4,645 |
| Net charge-offs to loans | -0.1400% | 6,242 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3663% | 2,747 |
| Assets per employee ($millions) | 4.4044% | 3,081 |
| Cash dividends to net income (ytd only)* | 73.3701% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2288% | 986 |
| Loan loss allowance to noncurrent loans | 191.9011% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.7423% | 3,740 |
| Noncurrent loans to loans | 1.1614% | 2,904 |
| Net loans and leases to total assets | 59.3896% | 3,803 |
| Net loans and leases to deposits | 69.5356% | 3,879 |
| Net loans and leases to core deposits | 70.7880% | 4,174 |
| Total domestic deposits to total assets | 85.4089% | 3,324 |
| Equity capital to assets | 10.1894% | 3,844 |
| Core capital (leverage) ratio | 9.2104% | 4,724 |
| Tier 1 risk-based capital ratio | 13.5831% | 4,541 |
| Total risk-based capital ratio | 14.8027% | 4,487 |
| Memoranda: | ||
| Average total assets | $666,325,000 | 1,015 |
| Average earning assets | $611,965,000 | 1,012 |
| Average equity | $66,773,000 | 1,098 |
| Average total loans | $385,764,000 | 1,137 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4129% | 5,619 |
| Cost of funding earning assets | 0.1156% | 6,511 |
| Net interest margin | 3.2973% | 4,549 |
| Noninterest income to average assets | 0.4096% | 4,108 |
| Noninterest expense to average assets | 2.6269% | 4,191 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8282% | 3,014 |
| Return on assets (ROA) | 0.8282% | 3,082 |
| Pretax return on assets | 0.8282% | 3,981 |
| Return on Equity (ROE) | 8.3348% | 2,771 |
| Retained earnings to average equity (ytd only) | -1.4243% | 5,785 |
| Net charge-offs to loans | -0.1625% | 6,316 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0285% | 2,803 |
| Assets per employee ($millions) | 4.4973% | 2,981 |
| Cash dividends to net income (ytd only)* | 117.0891% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3713% | 941 |
| Loan loss allowance to noncurrent loans | 162.7656% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.8457% | 3,614 |
| Noncurrent loans to loans | 1.4569% | 2,604 |
| Net loans and leases to total assets | 54.2384% | 4,380 |
| Net loans and leases to deposits | 63.6523% | 4,358 |
| Net loans and leases to core deposits | 64.8126% | 4,612 |
| Total domestic deposits to total assets | 85.2105% | 3,774 |
| Equity capital to assets | 9.8293% | 4,066 |
| Core capital (leverage) ratio | 9.1781% | 4,750 |
| Tier 1 risk-based capital ratio | 14.3097% | 4,121 |
| Total risk-based capital ratio | 15.5707% | 4,068 |
| Memoranda: | ||
| Average total assets | $666,952,000 | 1,022 |
| Average earning assets | $616,024,000 | 1,013 |
| Average equity | $66,276,000 | 1,105 |
| Average total loans | $376,652,500 | 1,174 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8185% | 4,749 |
| Cost of funding earning assets | 0.1530% | 6,524 |
| Net interest margin | 3.6655% | 3,200 |
| Noninterest income to average assets | 0.5593% | 3,335 |
| Noninterest expense to average assets | 2.7185% | 4,031 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2091% | 1,528 |
| Return on assets (ROA) | 1.2226% | 1,546 |
| Pretax return on assets | 1.2226% | 2,491 |
| Return on Equity (ROE) | 11.8803% | 1,458 |
| Retained earnings to average equity (ytd only) | 7.4267% | 1,262 |
| Net charge-offs to loans | -0.0412% | 6,289 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2150% | 3,975 |
| Assets per employee ($millions) | 4.3663% | 3,152 |
| Cash dividends to net income (ytd only)* | 37.4870% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3073% | 1,031 |
| Loan loss allowance to noncurrent loans | 170.8863% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.8124% | 3,858 |
| Noncurrent loans to loans | 1.3502% | 2,880 |
| Net loans and leases to total assets | 56.0882% | 4,306 |
| Net loans and leases to deposits | 65.4063% | 4,366 |
| Net loans and leases to core deposits | 66.6012% | 4,646 |
| Total domestic deposits to total assets | 85.7535% | 3,389 |
| Equity capital to assets | 10.0474% | 3,696 |
| Core capital (leverage) ratio | 9.3023% | 4,543 |
| Tier 1 risk-based capital ratio | 14.2938% | 4,088 |
| Total risk-based capital ratio | 15.5541% | 4,023 |
| Memoranda: | ||
| Average total assets | $631,451,400 | 1,061 |
| Average earning assets | $580,249,200 | 1,053 |
| Average equity | $64,981,600 | 1,105 |
| Average total loans | $363,720,600 | 1,174 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8787% | 4,583 |
| Cost of funding earning assets | 0.1607% | 6,591 |
| Net interest margin | 3.7180% | 2,962 |
| Noninterest income to average assets | 0.5908% | 3,215 |
| Noninterest expense to average assets | 2.6814% | 4,088 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3229% | 1,286 |
| Return on assets (ROA) | 1.3410% | 1,290 |
| Pretax return on assets | 1.3410% | 2,163 |
| Return on Equity (ROE) | 12.9503% | 1,250 |
| Retained earnings to average equity (ytd only) | 8.0514% | 1,391 |
| Net charge-offs to loans | -0.0526% | 6,331 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9635% | 4,313 |
| Assets per employee ($millions) | 4.2978% | 3,231 |
| Cash dividends to net income (ytd only)* | 37.8283% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2773% | 1,215 |
| Loan loss allowance to noncurrent loans | 152.1004% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.9605% | 3,746 |
| Noncurrent loans to loans | 1.4972% | 2,918 |
| Net loans and leases to total assets | 58.4734% | 3,929 |
| Net loans and leases to deposits | 68.6655% | 3,977 |
| Net loans and leases to core deposits | 69.8964% | 4,334 |
| Total domestic deposits to total assets | 85.1568% | 3,656 |
| Equity capital to assets | 10.2549% | 3,569 |
| Core capital (leverage) ratio | 9.4740% | 4,448 |
| Tier 1 risk-based capital ratio | 13.8416% | 4,540 |
| Total risk-based capital ratio | 15.1015% | 4,488 |
| Memoranda: | ||
| Average total assets | $624,486,250 | 1,074 |
| Average earning assets | $573,333,250 | 1,070 |
| Average equity | $64,666,000 | 1,119 |
| Average total loans | $360,018,250 | 1,190 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8123% | 4,783 |
| Cost of funding earning assets | 0.1647% | 6,649 |
| Net interest margin | 3.6475% | 3,186 |
| Noninterest income to average assets | 0.6567% | 2,877 |
| Noninterest expense to average assets | 2.6822% | 4,098 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3217% | 1,268 |
| Return on assets (ROA) | 1.3492% | 1,286 |
| Pretax return on assets | 1.3492% | 2,127 |
| Return on Equity (ROE) | 12.9859% | 1,247 |
| Retained earnings to average equity (ytd only) | 9.0065% | 1,115 |
| Net charge-offs to loans | 0.0159% | 4,519 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 146.1429% | 339 |
| Efficiency ratio | 66.9894% | 4,366 |
| Assets per employee ($millions) | 4.0812% | 3,621 |
| Cash dividends to net income (ytd only)* | 30.6440% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2864% | 1,282 |
| Loan loss allowance to noncurrent loans | 87.7269% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.6567% | 2,624 |
| Noncurrent loans to loans | 2.6063% | 1,762 |
| Net loans and leases to total assets | 59.7297% | 3,708 |
| Net loans and leases to deposits | 70.3485% | 3,672 |
| Net loans and leases to core deposits | 71.8089% | 4,070 |
| Total domestic deposits to total assets | 84.9054% | 3,935 |
| Equity capital to assets | 10.5125% | 3,287 |
| Core capital (leverage) ratio | 9.4885% | 4,262 |
| Tier 1 risk-based capital ratio | 13.9391% | 4,464 |
| Total risk-based capital ratio | 15.1992% | 4,417 |
| Memoranda: | ||
| Average total assets | $619,190,000 | 1,083 |
| Average earning assets | $568,218,330 | 1,074 |
| Average equity | $64,331,330 | 1,130 |
| Average total loans | $352,299,330 | 1,207 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6906% | 5,199 |
| Cost of funding earning assets | 0.1670% | 6,745 |
| Net interest margin | 3.5236% | 3,604 |
| Noninterest income to average assets | 0.6873% | 2,664 |
| Noninterest expense to average assets | 2.6106% | 4,370 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3034% | 1,260 |
| Return on assets (ROA) | 1.3130% | 1,351 |
| Pretax return on assets | 1.3130% | 2,183 |
| Return on Equity (ROE) | 12.7116% | 1,241 |
| Retained earnings to average equity (ytd only) | 8.9118% | 1,409 |
| Net charge-offs to loans | -0.2133% | 6,697 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6995% | 4,537 |
| Assets per employee ($millions) | 4.2332% | 3,473 |
| Cash dividends to net income (ytd only)* | 29.8924% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5269% | 1,079 |
| Loan loss allowance to noncurrent loans | 73.0744% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 2.0540% | 2,280 |
| Noncurrent loans to loans | 3.4579% | 1,394 |
| Net loans and leases to total assets | 54.7116% | 4,291 |
| Net loans and leases to deposits | 64.3796% | 4,273 |
| Net loans and leases to core deposits | 65.6757% | 4,570 |
| Total domestic deposits to total assets | 84.9828% | 4,048 |
| Equity capital to assets | 10.5077% | 3,527 |
| Core capital (leverage) ratio | 9.2799% | 4,434 |
| Tier 1 risk-based capital ratio | 14.1558% | 4,392 |
| Total risk-based capital ratio | 15.4176% | 4,347 |
| Memoranda: | ||
| Average total assets | $622,692,500 | 1,090 |
| Average earning assets | $570,210,000 | 1,085 |
| Average equity | $64,319,000 | 1,144 |
| Average total loans | $341,343,000 | 1,245 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9717% | 5,392 |
| Cost of funding earning assets | 0.2101% | 6,807 |
| Net interest margin | 3.7616% | 3,386 |
| Noninterest income to average assets | 0.5377% | 3,660 |
| Noninterest expense to average assets | 2.9106% | 3,593 |
| Loan and lease loss provision to assets | 0.2573% | 2,590 |
| Net operating income to assets | 0.7892% | 3,329 |
| Return on assets (ROA) | 0.8048% | 3,516 |
| Pretax return on assets | 0.8048% | 4,273 |
| Return on Equity (ROE) | 7.4441% | 3,372 |
| Retained earnings to average equity (ytd only) | 2.8262% | 4,247 |
| Net charge-offs to loans | 0.2404% | 3,501 |
| Credit loss provision to net charge-offs | 185.6436% | 1,411 |
| Earnings coverage of net charge-offs (x) | 7.5495% | 2,570 |
| Efficiency ratio | 73.5530% | 3,143 |
| Assets per employee ($millions) | 4.5791% | 2,822 |
| Cash dividends to net income (ytd only)* | 62.0337% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5565% | 1,067 |
| Loan loss allowance to noncurrent loans | 75.1861% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 1.9981% | 2,453 |
| Noncurrent loans to loans | 3.4002% | 1,481 |
| Net loans and leases to total assets | 52.1557% | 4,907 |
| Net loans and leases to deposits | 58.8585% | 5,147 |
| Net loans and leases to core deposits | 59.8289% | 5,379 |
| Total domestic deposits to total assets | 88.6120% | 1,833 |
| Equity capital to assets | 10.1533% | 3,959 |
| Core capital (leverage) ratio | 9.2094% | 4,566 |
| Tier 1 risk-based capital ratio | 14.3079% | 4,160 |
| Total risk-based capital ratio | 15.5701% | 4,108 |
| Memoranda: | ||
| Average total assets | $582,868,400 | 1,136 |
| Average earning assets | $529,852,600 | 1,136 |
| Average equity | $63,016,400 | 1,128 |
| Average total loans | $336,064,800 | 1,252 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0401% | 5,399 |
| Cost of funding earning assets | 0.2215% | 6,902 |
| Net interest margin | 3.8186% | 3,251 |
| Noninterest income to average assets | 0.5909% | 3,341 |
| Noninterest expense to average assets | 2.9490% | 3,408 |
| Loan and lease loss provision to assets | 0.3498% | 1,866 |
| Net operating income to assets | 0.7616% | 3,646 |
| Return on assets (ROA) | 0.7828% | 3,782 |
| Pretax return on assets | 0.7828% | 4,553 |
| Return on Equity (ROE) | 7.1219% | 3,741 |
| Retained earnings to average equity (ytd only) | 5.1977% | 3,223 |
| Net charge-offs to loans | 0.2927% | 2,977 |
| Credit loss provision to net charge-offs | 203.2520% | 1,359 |
| Earnings coverage of net charge-offs (x) | 6.4580% | 2,786 |
| Efficiency ratio | 72.6281% | 3,208 |
| Assets per employee ($millions) | 4.2366% | 3,393 |
| Cash dividends to net income (ytd only)* | 27.0181% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5433% | 1,158 |
| Loan loss allowance to noncurrent loans | 60.1181% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 2.9103% | 1,804 |
| Noncurrent loans to loans | 4.2306% | 1,161 |
| Net loans and leases to total assets | 56.7192% | 4,342 |
| Net loans and leases to deposits | 64.7819% | 4,619 |
| Net loans and leases to core deposits | 65.9716% | 4,957 |
| Total domestic deposits to total assets | 87.5541% | 2,316 |
| Equity capital to assets | 11.0413% | 3,219 |
| Core capital (leverage) ratio | 9.6711% | 4,009 |
| Tier 1 risk-based capital ratio | 14.4952% | 4,185 |
| Total risk-based capital ratio | 15.7577% | 4,146 |
| Memoranda: | ||
| Average total assets | $571,751,750 | 1,174 |
| Average earning assets | $519,484,000 | 1,180 |
| Average equity | $62,846,750 | 1,140 |
| Average total loans | $336,137,250 | 1,266 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0330% | 5,543 |
| Cost of funding earning assets | 0.2309% | 6,969 |
| Net interest margin | 3.8021% | 3,349 |
| Noninterest income to average assets | 0.5671% | 3,475 |
| Noninterest expense to average assets | 3.0561% | 3,060 |
| Loan and lease loss provision to assets | 0.3525% | 1,869 |
| Net operating income to assets | 0.6059% | 4,348 |
| Return on assets (ROA) | 0.6379% | 4,428 |
| Pretax return on assets | 0.6379% | 5,000 |
| Return on Equity (ROE) | 5.8126% | 4,412 |
| Retained earnings to average equity (ytd only) | 3.3077% | 4,402 |
| Net charge-offs to loans | 0.3818% | 2,493 |
| Credit loss provision to net charge-offs | 156.4945% | 1,773 |
| Earnings coverage of net charge-offs (x) | 4.2551% | 3,134 |
| Efficiency ratio | 76.1282% | 2,720 |
| Assets per employee ($millions) | 4.0167% | 3,838 |
| Cash dividends to net income (ytd only)* | 43.0939% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4357% | 1,367 |
| Loan loss allowance to noncurrent loans | 55.6320% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 3.0945% | 1,767 |
| Noncurrent loans to loans | 4.3782% | 1,226 |
| Net loans and leases to total assets | 57.9593% | 4,166 |
| Net loans and leases to deposits | 66.4472% | 4,452 |
| Net loans and leases to core deposits | 67.5927% | 4,839 |
| Total domestic deposits to total assets | 87.2260% | 2,633 |
| Equity capital to assets | 11.0158% | 3,097 |
| Core capital (leverage) ratio | 9.7247% | 3,798 |
| Tier 1 risk-based capital ratio | 14.2557% | 4,265 |
| Total risk-based capital ratio | 15.5170% | 4,219 |
| Memoranda: | ||
| Average total assets | $567,452,330 | 1,185 |
| Average earning assets | $514,503,670 | 1,190 |
| Average equity | $62,278,000 | 1,142 |
| Average total loans | $334,762,000 | 1,270 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0180% | 5,705 |
| Cost of funding earning assets | 0.2464% | 7,015 |
| Net interest margin | 3.7716% | 3,511 |
| Noninterest income to average assets | 0.5696% | 3,429 |
| Noninterest expense to average assets | 2.8870% | 3,676 |
| Loan and lease loss provision to assets | 0.3541% | 1,776 |
| Net operating income to assets | 0.7463% | 3,644 |
| Return on assets (ROA) | 0.7463% | 3,880 |
| Pretax return on assets | 0.7463% | 4,622 |
| Return on Equity (ROE) | 6.8127% | 3,889 |
| Retained earnings to average equity (ytd only) | 6.8127% | 2,525 |
| Net charge-offs to loans | 0.4063% | 2,088 |
| Credit loss provision to net charge-offs | 148.2249% | 1,688 |
| Earnings coverage of net charge-offs (x) | 4.6065% | 2,546 |
| Efficiency ratio | 72.4034% | 3,363 |
| Assets per employee ($millions) | 4.1028% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4481% | 1,429 |
| Loan loss allowance to noncurrent loans | 44.3216% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 3.6732% | 1,547 |
| Noncurrent loans to loans | 5.5234% | 964 |
| Net loans and leases to total assets | 56.6922% | 4,260 |
| Net loans and leases to deposits | 65.1095% | 4,474 |
| Net loans and leases to core deposits | 66.3534% | 4,877 |
| Total domestic deposits to total assets | 87.0720% | 2,920 |
| Equity capital to assets | 11.0420% | 2,852 |
| Core capital (leverage) ratio | 9.7268% | 3,739 |
| Tier 1 risk-based capital ratio | 14.5259% | 4,085 |
| Total risk-based capital ratio | 15.7872% | 4,032 |
| Memoranda: | ||
| Average total assets | $565,993,000 | 1,193 |
| Average earning assets | $512,887,500 | 1,201 |
| Average equity | $62,001,500 | 1,143 |
| Average total loans | $332,725,000 | 1,277 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2331% | 5,966 |
| Cost of funding earning assets | 0.3614% | 6,982 |
| Net interest margin | 3.8717% | 3,466 |
| Noninterest income to average assets | 0.5002% | 3,840 |
| Noninterest expense to average assets | 2.8223% | 4,264 |
| Loan and lease loss provision to assets | 0.5761% | 1,800 |
| Net operating income to assets | 0.6098% | 3,952 |
| Return on assets (ROA) | 0.6730% | 3,812 |
| Pretax return on assets | 0.6730% | 4,430 |
| Return on Equity (ROE) | 6.5207% | 3,628 |
| Retained earnings to average equity (ytd only) | 6.5207% | 1,728 |
| Net charge-offs to loans | 0.8094% | 2,128 |
| Credit loss provision to net charge-offs | 117.3542% | 2,742 |
| Earnings coverage of net charge-offs (x) | 2.4157% | 4,007 |
| Efficiency ratio | 70.4138% | 3,861 |
| Assets per employee ($millions) | 4.1911% | 3,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3459% | 1,548 |
| Loan loss allowance to noncurrent loans | 38.9786% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 3.9897% | 1,439 |
| Noncurrent loans to loans | 6.0185% | 825 |
| Net loans and leases to total assets | 58.0629% | 4,357 |
| Net loans and leases to deposits | 66.4484% | 4,675 |
| Net loans and leases to core deposits | 68.5264% | 4,965 |
| Total domestic deposits to total assets | 87.3804% | 2,542 |
| Equity capital to assets | 10.8669% | 3,123 |
| Core capital (leverage) ratio | 9.4277% | 4,147 |
| Tier 1 risk-based capital ratio | 14.0489% | 4,292 |
| Total risk-based capital ratio | 15.3092% | 4,235 |
| Memoranda: | ||
| Average total assets | $572,828,000 | 1,148 |
| Average earning assets | $519,024,400 | 1,152 |
| Average equity | $59,119,600 | 1,145 |
| Average total loans | $347,423,000 | 1,220 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2435% | 6,101 |
| Cost of funding earning assets | 0.3835% | 7,051 |
| Net interest margin | 3.8600% | 3,571 |
| Noninterest income to average assets | 0.5260% | 3,685 |
| Noninterest expense to average assets | 2.8358% | 4,212 |
| Loan and lease loss provision to assets | 0.5360% | 1,838 |
| Net operating income to assets | 0.6525% | 3,860 |
| Return on assets (ROA) | 0.7365% | 3,616 |
| Pretax return on assets | 0.7365% | 4,355 |
| Return on Equity (ROE) | 7.2305% | 3,410 |
| Retained earnings to average equity (ytd only) | 7.2305% | 1,852 |
| Net charge-offs to loans | 0.8628% | 1,839 |
| Credit loss provision to net charge-offs | 101.9417% | 3,283 |
| Earnings coverage of net charge-offs (x) | 2.2604% | 3,996 |
| Efficiency ratio | 70.4665% | 3,863 |
| Assets per employee ($millions) | 4.0800% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1839% | 1,893 |
| Loan loss allowance to noncurrent loans | 34.9803% | 5,961 |
| Noncurrent assets plus other real estate owned to assets | 3.9146% | 1,577 |
| Noncurrent loans to loans | 6.2433% | 870 |
| Net loans and leases to total assets | 59.2485% | 4,281 |
| Net loans and leases to deposits | 67.9036% | 4,629 |
| Net loans and leases to core deposits | 70.1963% | 4,930 |
| Total domestic deposits to total assets | 87.2538% | 2,493 |
| Equity capital to assets | 10.8289% | 3,324 |
| Core capital (leverage) ratio | 9.5397% | 4,097 |
| Tier 1 risk-based capital ratio | 13.7660% | 4,528 |
| Total risk-based capital ratio | 15.0247% | 4,481 |
| Memoranda: | ||
| Average total assets | $574,584,500 | 1,158 |
| Average earning assets | $520,753,500 | 1,156 |
| Average equity | $58,528,250 | 1,158 |
| Average total loans | $350,175,500 | 1,225 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2636% | 6,125 |
| Cost of funding earning assets | 0.4085% | 7,106 |
| Net interest margin | 3.8551% | 3,513 |
| Noninterest income to average assets | 0.5159% | 3,742 |
| Noninterest expense to average assets | 2.8619% | 4,177 |
| Loan and lease loss provision to assets | 0.5705% | 1,699 |
| Net operating income to assets | 0.5816% | 4,147 |
| Return on assets (ROA) | 0.7067% | 3,620 |
| Pretax return on assets | 0.7067% | 4,362 |
| Return on Equity (ROE) | 7.0832% | 3,416 |
| Retained earnings to average equity (ytd only) | 7.0832% | 1,844 |
| Net charge-offs to loans | 1.3125% | 1,165 |
| Credit loss provision to net charge-offs | 71.1821% | 4,029 |
| Earnings coverage of net charge-offs (x) | 1.4374% | 4,210 |
| Efficiency ratio | 71.2981% | 3,878 |
| Assets per employee ($millions) | 3.8051% | 4,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9322% | 2,566 |
| Loan loss allowance to noncurrent loans | 31.3171% | 6,182 |
| Noncurrent assets plus other real estate owned to assets | 4.1001% | 1,561 |
| Noncurrent loans to loans | 6.1697% | 944 |
| Net loans and leases to total assets | 62.8313% | 3,710 |
| Net loans and leases to deposits | 72.1734% | 4,084 |
| Net loans and leases to core deposits | 75.0967% | 4,419 |
| Total domestic deposits to total assets | 87.0561% | 2,710 |
| Equity capital to assets | 10.9674% | 2,995 |
| Core capital (leverage) ratio | 9.3762% | 4,148 |
| Tier 1 risk-based capital ratio | 13.3967% | 4,615 |
| Total risk-based capital ratio | 14.6531% | 4,594 |
| Memoranda: | ||
| Average total assets | $578,433,000 | 1,156 |
| Average earning assets | $524,860,330 | 1,161 |
| Average equity | $57,714,000 | 1,164 |
| Average total loans | $353,220,670 | 1,225 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2433% | 6,164 |
| Cost of funding earning assets | 0.4434% | 7,129 |
| Net interest margin | 3.7999% | 3,618 |
| Noninterest income to average assets | 0.4977% | 3,911 |
| Noninterest expense to average assets | 2.7885% | 4,497 |
| Loan and lease loss provision to assets | 0.4433% | 1,987 |
| Net operating income to assets | 0.7247% | 3,406 |
| Return on assets (ROA) | 0.7247% | 3,466 |
| Pretax return on assets | 0.7247% | 4,200 |
| Return on Equity (ROE) | 7.6076% | 3,096 |
| Retained earnings to average equity (ytd only) | 7.6076% | 1,884 |
| Net charge-offs to loans | 0.6841% | 1,847 |
| Credit loss provision to net charge-offs | 108.5526% | 2,456 |
| Earnings coverage of net charge-offs (x) | 2.8602% | 2,941 |
| Efficiency ratio | 70.4804% | 4,167 |
| Assets per employee ($millions) | 4.0520% | 3,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1342% | 2,112 |
| Loan loss allowance to noncurrent loans | 32.0592% | 6,172 |
| Noncurrent assets plus other real estate owned to assets | 4.0212% | 1,661 |
| Noncurrent loans to loans | 6.6569% | 872 |
| Net loans and leases to total assets | 58.1932% | 4,612 |
| Net loans and leases to deposits | 70.4662% | 4,274 |
| Net loans and leases to core deposits | 73.4579% | 4,593 |
| Total domestic deposits to total assets | 82.5832% | 5,073 |
| Equity capital to assets | 9.9140% | 3,881 |
| Core capital (leverage) ratio | 8.5760% | 5,299 |
| Tier 1 risk-based capital ratio | 12.9744% | 4,846 |
| Total risk-based capital ratio | 14.2327% | 4,826 |
| Memoranda: | ||
| Average total assets | $595,583,000 | 1,124 |
| Average earning assets | $542,126,500 | 1,127 |
| Average equity | $56,732,500 | 1,174 |
| Average total loans | $355,520,000 | 1,231 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6393% | 5,988 |
| Cost of funding earning assets | 0.6682% | 6,966 |
| Net interest margin | 3.9711% | 3,142 |
| Noninterest income to average assets | 0.3614% | 5,219 |
| Noninterest expense to average assets | 2.7911% | 4,641 |
| Loan and lease loss provision to assets | 2.1553% | 585 |
| Net operating income to assets | -0.9884% | 6,674 |
| Return on assets (ROA) | -0.9884% | 6,715 |
| Pretax return on assets | -0.9884% | 6,636 |
| Return on Equity (ROE) | -9.8222% | 6,721 |
| Retained earnings to average equity (ytd only) | -12.2521% | 6,771 |
| Net charge-offs to loans | 2.5408% | 738 |
| Credit loss provision to net charge-offs | 131.5651% | 3,004 |
| Earnings coverage of net charge-offs (x) | 0.7123% | 5,399 |
| Efficiency ratio | 70.5162% | 4,070 |
| Assets per employee ($millions) | 4.2509% | 3,290 |
| Cash dividends to net income (ytd only)* | -24.7383% | 7,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0471% | 2,179 |
| Loan loss allowance to noncurrent loans | 27.8849% | 6,412 |
| Noncurrent assets plus other real estate owned to assets | 4.5932% | 1,453 |
| Noncurrent loans to loans | 7.3414% | 750 |
| Net loans and leases to total assets | 58.6906% | 4,920 |
| Net loans and leases to deposits | 70.5669% | 4,744 |
| Net loans and leases to core deposits | 73.6357% | 5,025 |
| Total domestic deposits to total assets | 83.1702% | 4,722 |
| Equity capital to assets | 9.1474% | 4,920 |
| Core capital (leverage) ratio | 7.9050% | 6,309 |
| Tier 1 risk-based capital ratio | 11.7837% | 5,665 |
| Total risk-based capital ratio | 13.0412% | 5,654 |
| Memoranda: | ||
| Average total assets | $579,953,000 | 1,159 |
| Average earning assets | $525,273,800 | 1,171 |
| Average equity | $58,357,400 | 1,140 |
| Average total loans | $373,943,800 | 1,214 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8096% | 5,616 |
| Cost of funding earning assets | 0.7191% | 7,010 |
| Net interest margin | 4.0905% | 2,670 |
| Noninterest income to average assets | 0.3166% | 5,616 |
| Noninterest expense to average assets | 2.7782% | 4,573 |
| Loan and lease loss provision to assets | 1.0452% | 1,417 |
| Net operating income to assets | 0.1956% | 5,520 |
| Return on assets (ROA) | 0.1956% | 5,681 |
| Pretax return on assets | 0.1956% | 5,742 |
| Return on Equity (ROE) | 1.8982% | 5,645 |
| Retained earnings to average equity (ytd only) | -1.2963% | 6,062 |
| Net charge-offs to loans | 0.7257% | 2,609 |
| Credit loss provision to net charge-offs | 219.2982% | 1,576 |
| Earnings coverage of net charge-offs (x) | 2.6033% | 3,848 |
| Efficiency ratio | 69.1267% | 4,240 |
| Assets per employee ($millions) | 4.1665% | 3,511 |
| Cash dividends to net income (ytd only)* | 168.2899% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8269% | 2,696 |
| Loan loss allowance to noncurrent loans | 35.3740% | 5,975 |
| Noncurrent assets plus other real estate owned to assets | 3.6115% | 1,974 |
| Noncurrent loans to loans | 5.1646% | 1,322 |
| Net loans and leases to total assets | 62.2436% | 4,477 |
| Net loans and leases to deposits | 76.1529% | 4,155 |
| Net loans and leases to core deposits | 79.8679% | 4,541 |
| Total domestic deposits to total assets | 81.7350% | 5,100 |
| Equity capital to assets | 10.1072% | 4,007 |
| Core capital (leverage) ratio | 8.8060% | 4,997 |
| Tier 1 risk-based capital ratio | 12.4305% | 5,051 |
| Total risk-based capital ratio | 13.6858% | 5,013 |
| Memoranda: | ||
| Average total assets | $574,035,000 | 1,185 |
| Average earning assets | $519,559,500 | 1,191 |
| Average equity | $59,142,750 | 1,128 |
| Average total loans | $377,011,000 | 1,210 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8557% | 5,588 |
| Cost of funding earning assets | 0.7376% | 7,103 |
| Net interest margin | 4.1182% | 2,475 |
| Noninterest income to average assets | 0.4414% | 4,595 |
| Noninterest expense to average assets | 2.8083% | 4,448 |
| Loan and lease loss provision to assets | 1.2848% | 1,077 |
| Net operating income to assets | 0.0708% | 5,945 |
| Return on assets (ROA) | 0.0708% | 6,047 |
| Pretax return on assets | 0.0708% | 6,035 |
| Return on Equity (ROE) | 0.6822% | 6,035 |
| Retained earnings to average equity (ytd only) | -4.1307% | 6,456 |
| Net charge-offs to loans | 0.4984% | 3,043 |
| Credit loss provision to net charge-offs | 387.8852% | 937 |
| Earnings coverage of net charge-offs (x) | 4.0925% | 3,055 |
| Efficiency ratio | 67.4444% | 4,684 |
| Assets per employee ($millions) | 3.8913% | 4,000 |
| Cash dividends to net income (ytd only)* | 705.4726% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8534% | 2,553 |
| Loan loss allowance to noncurrent loans | 40.5657% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 3.1869% | 2,225 |
| Noncurrent loans to loans | 4.5690% | 1,585 |
| Net loans and leases to total assets | 65.8559% | 3,865 |
| Net loans and leases to deposits | 80.2029% | 3,565 |
| Net loans and leases to core deposits | 84.6881% | 4,042 |
| Total domestic deposits to total assets | 82.1115% | 4,934 |
| Equity capital to assets | 10.3072% | 3,642 |
| Core capital (leverage) ratio | 8.9463% | 4,690 |
| Tier 1 risk-based capital ratio | 12.1928% | 5,137 |
| Total risk-based capital ratio | 13.4489% | 5,103 |
| Memoranda: | ||
| Average total assets | $568,166,670 | 1,201 |
| Average earning assets | $513,579,670 | 1,206 |
| Average equity | $58,924,330 | 1,124 |
| Average total loans | $377,644,330 | 1,218 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9016% | 5,456 |
| Cost of funding earning assets | 0.7517% | 7,228 |
| Net interest margin | 4.1499% | 2,240 |
| Noninterest income to average assets | 0.4472% | 4,500 |
| Noninterest expense to average assets | 2.7162% | 4,828 |
| Loan and lease loss provision to assets | 2.4195% | 439 |
| Net operating income to assets | -0.9445% | 7,080 |
| Return on assets (ROA) | -0.9445% | 7,105 |
| Pretax return on assets | -0.9445% | 7,026 |
| Return on Equity (ROE) | -9.0788% | 7,101 |
| Retained earnings to average equity (ytd only) | -14.3957% | 7,186 |
| Net charge-offs to loans | 0.3877% | 2,883 |
| Credit loss provision to net charge-offs | 943.5262% | 492 |
| Earnings coverage of net charge-offs (x) | 5.7521% | 2,338 |
| Efficiency ratio | 64.8070% | 5,340 |
| Assets per employee ($millions) | 3.8128% | 4,278 |
| Cash dividends to net income (ytd only)* | -58.5639% | 7,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9980% | 2,194 |
| Loan loss allowance to noncurrent loans | 49.5258% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 2.9936% | 2,399 |
| Noncurrent loans to loans | 4.0343% | 1,934 |
| Net loans and leases to total assets | 64.4689% | 4,225 |
| Net loans and leases to deposits | 78.2582% | 3,992 |
| Net loans and leases to core deposits | 83.0429% | 4,334 |
| Total domestic deposits to total assets | 82.3798% | 4,897 |
| Equity capital to assets | 10.1909% | 3,624 |
| Core capital (leverage) ratio | 8.9313% | 4,676 |
| Tier 1 risk-based capital ratio | 12.2145% | 4,980 |
| Total risk-based capital ratio | 13.4614% | 4,955 |
| Memoranda: | ||
| Average total assets | $566,236,000 | 1,232 |
| Average earning assets | $510,850,500 | 1,246 |
| Average equity | $58,906,500 | 1,131 |
| Average total loans | $374,552,500 | 1,267 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1356% | 5,936 |
| Cost of funding earning assets | 0.9415% | 7,324 |
| Net interest margin | 4.1941% | 2,085 |
| Noninterest income to average assets | 0.5431% | 4,086 |
| Noninterest expense to average assets | 3.1041% | 3,724 |
| Loan and lease loss provision to assets | 0.2342% | 5,496 |
| Net operating income to assets | 1.0125% | 1,793 |
| Return on assets (ROA) | 1.0132% | 1,847 |
| Pretax return on assets | 1.0132% | 2,548 |
| Return on Equity (ROE) | 9.3951% | 1,889 |
| Retained earnings to average equity (ytd only) | 6.9511% | 975 |
| Net charge-offs to loans | 0.3190% | 4,652 |
| Credit loss provision to net charge-offs | 104.7342% | 5,284 |
| Earnings coverage of net charge-offs (x) | 5.5748% | 2,557 |
| Efficiency ratio | 71.3456% | 4,379 |
| Assets per employee ($millions) | 3.6178% | 4,742 |
| Cash dividends to net income (ytd only)* | 26.0128% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 5,513 |
| Loan loss allowance to noncurrent loans | 31.4284% | 6,367 |
| Noncurrent assets plus other real estate owned to assets | 2.8255% | 2,483 |
| Noncurrent loans to loans | 3.7337% | 2,014 |
| Net loans and leases to total assets | 65.7341% | 4,223 |
| Net loans and leases to deposits | 78.9732% | 4,177 |
| Net loans and leases to core deposits | 89.2451% | 5,200 |
| Total domestic deposits to total assets | 83.2360% | 4,406 |
| Equity capital to assets | 10.6168% | 3,053 |
| Core capital (leverage) ratio | 9.2520% | 4,053 |
| Tier 1 risk-based capital ratio | 12.7918% | 4,291 |
| Total risk-based capital ratio | 13.8904% | 4,345 |
| Memoranda: | ||
| Average total assets | $538,376,400 | 1,283 |
| Average earning assets | $488,783,800 | 1,292 |
| Average equity | $58,062,400 | 1,137 |
| Average total loans | $377,393,200 | 1,274 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1623% | 6,051 |
| Cost of funding earning assets | 0.9778% | 7,434 |
| Net interest margin | 4.1844% | 2,112 |
| Noninterest income to average assets | 0.5487% | 4,090 |
| Noninterest expense to average assets | 3.1678% | 3,412 |
| Loan and lease loss provision to assets | 0.1497% | 5,852 |
| Net operating income to assets | 1.0416% | 1,931 |
| Return on assets (ROA) | 1.0426% | 1,986 |
| Pretax return on assets | 1.0426% | 2,765 |
| Return on Equity (ROE) | 9.6273% | 2,057 |
| Retained earnings to average equity (ytd only) | 6.3426% | 1,793 |
| Net charge-offs to loans | 0.3320% | 3,974 |
| Credit loss provision to net charge-offs | 63.4431% | 6,113 |
| Earnings coverage of net charge-offs (x) | 5.0499% | 2,943 |
| Efficiency ratio | 72.6724% | 4,111 |
| Assets per employee ($millions) | 3.5494% | 4,809 |
| Cash dividends to net income (ytd only)* | 34.1188% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 5,931 |
| Loan loss allowance to noncurrent loans | 26.9684% | 6,664 |
| Noncurrent assets plus other real estate owned to assets | 2.9398% | 2,353 |
| Noncurrent loans to loans | 3.9502% | 1,863 |
| Net loans and leases to total assets | 67.1569% | 4,146 |
| Net loans and leases to deposits | 81.1168% | 4,181 |
| Net loans and leases to core deposits | 92.2859% | 5,209 |
| Total domestic deposits to total assets | 82.7903% | 4,327 |
| Equity capital to assets | 10.6420% | 3,355 |
| Core capital (leverage) ratio | 9.2856% | 4,210 |
| Tier 1 risk-based capital ratio | 12.6611% | 4,429 |
| Total risk-based capital ratio | 13.6752% | 4,558 |
| Memoranda: | ||
| Average total assets | $531,878,250 | 1,306 |
| Average earning assets | $484,322,750 | 1,322 |
| Average equity | $57,598,500 | 1,164 |
| Average total loans | $377,894,500 | 1,287 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2767% | 5,760 |
| Cost of funding earning assets | 1.0034% | 7,548 |
| Net interest margin | 4.2734% | 1,740 |
| Noninterest income to average assets | 0.5574% | 3,977 |
| Noninterest expense to average assets | 3.2989% | 2,965 |
| Loan and lease loss provision to assets | 0.1590% | 5,480 |
| Net operating income to assets | 0.9867% | 2,157 |
| Return on assets (ROA) | 0.9882% | 2,251 |
| Pretax return on assets | 0.9882% | 3,055 |
| Return on Equity (ROE) | 9.0699% | 2,336 |
| Retained earnings to average equity (ytd only) | 5.5462% | 2,227 |
| Net charge-offs to loans | 0.3999% | 3,199 |
| Credit loss provision to net charge-offs | 55.0859% | 5,678 |
| Earnings coverage of net charge-offs (x) | 3.9696% | 3,260 |
| Efficiency ratio | 74.2237% | 4,005 |
| Assets per employee ($millions) | 3.3191% | 5,263 |
| Cash dividends to net income (ytd only)* | 38.8503% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 5,778 |
| Loan loss allowance to noncurrent loans | 39.8251% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 2.0798% | 3,085 |
| Noncurrent loans to loans | 2.6903% | 2,673 |
| Net loans and leases to total assets | 69.2542% | 3,890 |
| Net loans and leases to deposits | 82.3522% | 4,165 |
| Net loans and leases to core deposits | 94.3421% | 5,075 |
| Total domestic deposits to total assets | 84.0952% | 3,713 |
| Equity capital to assets | 10.7977% | 3,119 |
| Core capital (leverage) ratio | 9.3800% | 4,054 |
| Tier 1 risk-based capital ratio | 12.6461% | 4,398 |
| Total risk-based capital ratio | 13.6840% | 4,496 |
| Memoranda: | ||
| Average total assets | $524,600,670 | 1,343 |
| Average earning assets | $477,187,670 | 1,356 |
| Average equity | $57,156,000 | 1,176 |
| Average total loans | $378,573,000 | 1,311 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3269% | 5,773 |
| Cost of funding earning assets | 1.0016% | 7,670 |
| Net interest margin | 4.3253% | 1,535 |
| Noninterest income to average assets | 0.5465% | 3,956 |
| Noninterest expense to average assets | 3.3726% | 2,440 |
| Loan and lease loss provision to assets | 0.0693% | 6,086 |
| Net operating income to assets | 1.0298% | 2,192 |
| Return on assets (ROA) | 1.0329% | 2,322 |
| Pretax return on assets | 1.0329% | 3,236 |
| Return on Equity (ROE) | 9.4367% | 2,560 |
| Retained earnings to average equity (ytd only) | 5.8153% | 2,715 |
| Net charge-offs to loans | 0.0158% | 5,358 |
| Credit loss provision to net charge-offs | 600.0000% | 938 |
| Earnings coverage of net charge-offs (x) | 95.2000% | 448 |
| Efficiency ratio | 75.4217% | 3,578 |
| Assets per employee ($millions) | 3.2355% | 5,500 |
| Cash dividends to net income (ytd only)* | 38.3756% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 5,086 |
| Loan loss allowance to noncurrent loans | 57.6437% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 1.6879% | 3,392 |
| Noncurrent loans to loans | 2.0039% | 3,257 |
| Net loans and leases to total assets | 71.7641% | 3,297 |
| Net loans and leases to deposits | 85.0139% | 3,819 |
| Net loans and leases to core deposits | 97.3687% | 4,810 |
| Total domestic deposits to total assets | 84.4145% | 3,506 |
| Equity capital to assets | 10.8516% | 3,121 |
| Core capital (leverage) ratio | 9.5397% | 3,935 |
| Tier 1 risk-based capital ratio | 12.0778% | 4,900 |
| Total risk-based capital ratio | 13.1890% | 4,920 |
| Memoranda: | ||
| Average total assets | $519,715,000 | 1,364 |
| Average earning assets | $471,646,500 | 1,378 |
| Average equity | $56,884,000 | 1,190 |
| Average total loans | $380,818,000 | 1,313 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2451% | 4,275 |
| Cost of funding earning assets | 1.4665% | 7,659 |
| Net interest margin | 4.7786% | 812 |
| Noninterest income to average assets | 0.5844% | 3,976 |
| Noninterest expense to average assets | 3.2519% | 3,149 |
| Loan and lease loss provision to assets | 0.0090% | 7,256 |
| Net operating income to assets | 1.6379% | 775 |
| Return on assets (ROA) | 1.6397% | 732 |
| Pretax return on assets | 1.6411% | 1,286 |
| Return on Equity (ROE) | 14.4862% | 1,015 |
| Retained earnings to average equity (ytd only) | 1.8578% | 4,068 |
| Net charge-offs to loans | 0.0295% | 6,411 |
| Credit loss provision to net charge-offs | 42.4528% | 6,430 |
| Earnings coverage of net charge-offs (x) | 77.3491% | 531 |
| Efficiency ratio | 66.3617% | 5,047 |
| Assets per employee ($millions) | 3.1222% | 5,709 |
| Cash dividends to net income (ytd only)* | 87.1751% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 4,938 |
| Loan loss allowance to noncurrent loans | 98.6612% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.0931% | 4,100 |
| Noncurrent loans to loans | 1.1636% | 4,201 |
| Net loans and leases to total assets | 73.1170% | 3,332 |
| Net loans and leases to deposits | 86.9334% | 3,961 |
| Net loans and leases to core deposits | 96.8500% | 5,166 |
| Total domestic deposits to total assets | 84.1069% | 3,270 |
| Equity capital to assets | 11.0417% | 3,011 |
| Core capital (leverage) ratio | 9.4632% | 4,063 |
| Tier 1 risk-based capital ratio | 12.0806% | 4,757 |
| Total risk-based capital ratio | 13.1923% | 4,750 |
| Memoranda: | ||
| Average total assets | $497,398,200 | 1,360 |
| Average earning assets | $449,233,000 | 1,383 |
| Average equity | $56,301,800 | 1,192 |
| Average total loans | $359,717,000 | 1,349 |