Home > Heritage Bank of Nevada > Performance and Condition Ratios
Heritage Bank of Nevada, Performance and Condition Ratios
| 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 | 4.8984% | 1,759 |
| Cost of funding earning assets | 0.3413% | 4,708 |
| Net interest margin | 4.5571% | 674 |
| Noninterest income to average assets | 0.3033% | 3,901 |
| Noninterest expense to average assets | 1.6311% | 5,037 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.6181% | 136 |
| Return on assets (ROA) | 2.6181% | 140 |
| Pretax return on assets | 2.9801% | 123 |
| Return on Equity (ROE) | 20.1621% | 248 |
| Retained earnings to average equity (ytd only) | 11.8402% | 425 |
| Net charge-offs to loans | -0.0097% | 4,313 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.3721% | 5,228 |
| Assets per employee ($millions) | 11.2311% | 256 |
| Cash dividends to net income (ytd only)* | 41.2752% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 2,365 |
| Loan loss allowance to noncurrent loans | 731.9066% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 4,138 |
| Noncurrent loans to loans | 0.1680% | 3,949 |
| Net loans and leases to total assets | 71.7678% | 2,240 |
| Net loans and leases to deposits | 83.4207% | 2,554 |
| Net loans and leases to core deposits | 86.0623% | 2,956 |
| Total domestic deposits to total assets | 86.0311% | 2,022 |
| Equity capital to assets | 13.3480% | 1,406 |
| Core capital (leverage) ratio | 13.3920% | 1,154 |
| Tier 1 risk-based capital ratio | 16.0691% | 2,378 |
| Total risk-based capital ratio | 17.2229% | 2,367 |
| Memoranda: | ||
| Average total assets | $837,490,330 | 933 |
| Average earning assets | $791,689,000 | 913 |
| Average equity | $108,748,330 | 825 |
| Average total loans | $599,043,670 | 918 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9116% | 1,559 |
| Cost of funding earning assets | 0.3340% | 4,729 |
| Net interest margin | 4.5776% | 639 |
| Noninterest income to average assets | 0.2405% | 4,284 |
| Noninterest expense to average assets | 1.6209% | 5,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.3567% | 209 |
| Return on assets (ROA) | 2.3567% | 221 |
| Pretax return on assets | 2.9526% | 134 |
| Return on Equity (ROE) | 18.4089% | 367 |
| Retained earnings to average equity (ytd only) | 18.4089% | 131 |
| Net charge-offs to loans | -0.0027% | 3,906 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.4420% | 5,279 |
| Assets per employee ($millions) | 11.3579% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 2,221 |
| Loan loss allowance to noncurrent loans | 714.1905% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 4,070 |
| Noncurrent loans to loans | 0.1781% | 3,956 |
| Net loans and leases to total assets | 69.2408% | 2,590 |
| Net loans and leases to deposits | 80.3211% | 2,800 |
| Net loans and leases to core deposits | 82.6618% | 3,137 |
| Total domestic deposits to total assets | 86.2050% | 2,183 |
| Equity capital to assets | 13.0541% | 1,423 |
| Core capital (leverage) ratio | 13.1451% | 1,205 |
| Tier 1 risk-based capital ratio | 16.2972% | 2,342 |
| Total risk-based capital ratio | 17.4809% | 2,304 |
| Memoranda: | ||
| Average total assets | $835,068,000 | 938 |
| Average earning assets | $790,460,000 | 913 |
| Average equity | $106,905,000 | 833 |
| Average total loans | $592,541,000 | 927 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6751% | 1,915 |
| Cost of funding earning assets | 0.2614% | 4,751 |
| Net interest margin | 4.4136% | 906 |
| Noninterest income to average assets | 0.3015% | 4,086 |
| Noninterest expense to average assets | 1.6635% | 5,126 |
| Loan and lease loss provision to assets | -0.0911% | 5,258 |
| Net operating income to assets | 2.3085% | 215 |
| Return on assets (ROA) | 2.3070% | 204 |
| Pretax return on assets | 2.8791% | 111 |
| Return on Equity (ROE) | 19.9605% | 252 |
| Retained earnings to average equity (ytd only) | 16.7686% | 73 |
| Net charge-offs to loans | -0.0409% | 4,908 |
| Credit loss provision to net charge-offs | 324.6753% | 963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.3533% | 5,313 |
| Assets per employee ($millions) | 11.6852% | 220 |
| Cash dividends to net income (ytd only)* | 15.9907% | 3,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 2,260 |
| Loan loss allowance to noncurrent loans | 689.5124% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.1527% | 4,066 |
| Noncurrent loans to loans | 0.1825% | 3,931 |
| Net loans and leases to total assets | 70.8888% | 2,435 |
| Net loans and leases to deposits | 81.6299% | 2,780 |
| Net loans and leases to core deposits | 83.9437% | 3,098 |
| Total domestic deposits to total assets | 86.8417% | 1,853 |
| Equity capital to assets | 12.5465% | 1,560 |
| Core capital (leverage) ratio | 12.5385% | 1,436 |
| Tier 1 risk-based capital ratio | 15.4658% | 2,639 |
| Total risk-based capital ratio | 16.6422% | 2,588 |
| Memoranda: | ||
| Average total assets | $822,979,200 | 931 |
| Average earning assets | $774,166,600 | 907 |
| Average equity | $95,118,000 | 891 |
| Average total loans | $564,254,800 | 943 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5748% | 2,056 |
| Cost of funding earning assets | 0.2532% | 4,770 |
| Net interest margin | 4.3216% | 1,071 |
| Noninterest income to average assets | 0.3031% | 4,123 |
| Noninterest expense to average assets | 1.6580% | 5,168 |
| Loan and lease loss provision to assets | -0.1461% | 5,379 |
| Net operating income to assets | 2.3006% | 226 |
| Return on assets (ROA) | 2.2985% | 225 |
| Pretax return on assets | 2.8471% | 134 |
| Return on Equity (ROE) | 20.3266% | 253 |
| Retained earnings to average equity (ytd only) | 15.9681% | 136 |
| Net charge-offs to loans | -0.0482% | 4,916 |
| Credit loss provision to net charge-offs | 447.7612% | 764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0132% | 5,370 |
| Assets per employee ($millions) | 11.0441% | 243 |
| Cash dividends to net income (ytd only)* | 21.4422% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 2,229 |
| Loan loss allowance to noncurrent loans | 661.9910% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 4,174 |
| Noncurrent loans to loans | 0.1925% | 4,021 |
| Net loans and leases to total assets | 69.3417% | 2,747 |
| Net loans and leases to deposits | 79.4141% | 3,097 |
| Net loans and leases to core deposits | 81.4720% | 3,367 |
| Total domestic deposits to total assets | 87.3166% | 1,589 |
| Equity capital to assets | 12.0154% | 1,899 |
| Core capital (leverage) ratio | 12.4027% | 1,553 |
| Tier 1 risk-based capital ratio | 15.0379% | 2,868 |
| Total risk-based capital ratio | 16.2114% | 2,822 |
| Memoranda: | ||
| Average total assets | $821,311,500 | 935 |
| Average earning assets | $771,299,750 | 909 |
| Average equity | $92,874,500 | 901 |
| Average total loans | $556,412,500 | 949 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4702% | 2,182 |
| Cost of funding earning assets | 0.2499% | 4,745 |
| Net interest margin | 4.2203% | 1,235 |
| Noninterest income to average assets | 0.3248% | 4,020 |
| Noninterest expense to average assets | 1.6335% | 5,244 |
| Loan and lease loss provision to assets | -0.0729% | 5,395 |
| Net operating income to assets | 2.2152% | 246 |
| Return on assets (ROA) | 2.2121% | 243 |
| Pretax return on assets | 2.7263% | 151 |
| Return on Equity (ROE) | 19.9759% | 268 |
| Retained earnings to average equity (ytd only) | 15.5038% | 177 |
| Net charge-offs to loans | -0.0559% | 4,958 |
| Credit loss provision to net charge-offs | 194.8052% | 1,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0701% | 5,430 |
| Assets per employee ($millions) | 11.0000% | 239 |
| Cash dividends to net income (ytd only)* | 22.3871% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 1,718 |
| Loan loss allowance to noncurrent loans | 698.1366% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 4,186 |
| Noncurrent loans to loans | 0.2019% | 3,997 |
| Net loans and leases to total assets | 67.6141% | 2,927 |
| Net loans and leases to deposits | 77.0325% | 3,251 |
| Net loans and leases to core deposits | 79.0046% | 3,500 |
| Total domestic deposits to total assets | 87.7735% | 1,486 |
| Equity capital to assets | 11.5850% | 2,135 |
| Core capital (leverage) ratio | 11.7629% | 1,862 |
| Tier 1 risk-based capital ratio | 14.7602% | 2,987 |
| Total risk-based capital ratio | 16.0107% | 2,916 |
| Memoranda: | ||
| Average total assets | $822,660,000 | 930 |
| Average earning assets | $773,077,670 | 911 |
| Average equity | $91,100,000 | 918 |
| Average total loans | $550,543,000 | 959 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2926% | 2,546 |
| Cost of funding earning assets | 0.2470% | 4,727 |
| Net interest margin | 4.0456% | 1,578 |
| Noninterest income to average assets | 0.3081% | 4,098 |
| Noninterest expense to average assets | 1.6377% | 5,302 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0941% | 299 |
| Return on assets (ROA) | 2.0876% | 306 |
| Pretax return on assets | 2.4736% | 227 |
| Return on Equity (ROE) | 19.2896% | 298 |
| Retained earnings to average equity (ytd only) | 14.7354% | 344 |
| Net charge-offs to loans | -0.1076% | 5,223 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7605% | 5,462 |
| Assets per employee ($millions) | 11.2279% | 233 |
| Cash dividends to net income (ytd only)* | 23.6098% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4847% | 1,514 |
| Loan loss allowance to noncurrent loans | 283.5302% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.3681% | 3,359 |
| Noncurrent loans to loans | 0.5236% | 2,951 |
| Net loans and leases to total assets | 65.1682% | 3,155 |
| Net loans and leases to deposits | 73.7267% | 3,437 |
| Net loans and leases to core deposits | 76.4171% | 3,635 |
| Total domestic deposits to total assets | 88.3916% | 1,413 |
| Equity capital to assets | 10.9094% | 2,670 |
| Core capital (leverage) ratio | 11.3600% | 2,115 |
| Tier 1 risk-based capital ratio | 14.3404% | 3,205 |
| Total risk-based capital ratio | 15.5915% | 3,118 |
| Memoranda: | ||
| Average total assets | $826,989,000 | 927 |
| Average earning assets | $779,011,500 | 905 |
| Average equity | $89,499,000 | 940 |
| Average total loans | $546,690,500 | 972 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3690% | 2,116 |
| Cost of funding earning assets | 0.1536% | 5,242 |
| Net interest margin | 4.2154% | 1,158 |
| Noninterest income to average assets | 0.3497% | 3,967 |
| Noninterest expense to average assets | 1.6899% | 5,344 |
| Loan and lease loss provision to assets | -0.0740% | 5,439 |
| Net operating income to assets | 1.5788% | 680 |
| Return on assets (ROA) | 1.5792% | 691 |
| Pretax return on assets | 2.6935% | 136 |
| Return on Equity (ROE) | 14.3873% | 705 |
| Retained earnings to average equity (ytd only) | 8.0296% | 756 |
| Net charge-offs to loans | 0.0196% | 3,449 |
| Credit loss provision to net charge-offs | -547.6190% | 4,960 |
| Earnings coverage of net charge-offs (x) | 193.9333% | 408 |
| Efficiency ratio | 39.2204% | 5,537 |
| Assets per employee ($millions) | 11.7588% | 199 |
| Cash dividends to net income (ytd only)* | 44.1893% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4738% | 1,496 |
| Loan loss allowance to noncurrent loans | 270.7432% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.3815% | 3,338 |
| Noncurrent loans to loans | 0.5444% | 2,869 |
| Net loans and leases to total assets | 65.0879% | 3,214 |
| Net loans and leases to deposits | 73.3936% | 3,565 |
| Net loans and leases to core deposits | 76.3887% | 3,708 |
| Total domestic deposits to total assets | 88.6833% | 1,156 |
| Equity capital to assets | 10.7344% | 2,912 |
| Core capital (leverage) ratio | 10.9173% | 2,412 |
| Tier 1 risk-based capital ratio | 14.1282% | 3,291 |
| Total risk-based capital ratio | 15.3796% | 3,194 |
| Memoranda: | ||
| Average total assets | $777,550,200 | 959 |
| Average earning assets | $730,277,800 | 941 |
| Average equity | $85,346,400 | 957 |
| Average total loans | $535,941,000 | 952 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3602% | 2,075 |
| Cost of funding earning assets | 0.1494% | 5,317 |
| Net interest margin | 4.2108% | 1,129 |
| Noninterest income to average assets | 0.3491% | 4,038 |
| Noninterest expense to average assets | 1.7147% | 5,353 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.7181% | 560 |
| Return on assets (ROA) | 1.7181% | 572 |
| Pretax return on assets | 2.5865% | 184 |
| Return on Equity (ROE) | 15.5610% | 582 |
| Retained earnings to average equity (ytd only) | 8.5520% | 988 |
| Net charge-offs to loans | 0.0282% | 2,871 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 131.5335% | 586 |
| Efficiency ratio | 39.8649% | 5,583 |
| Assets per employee ($millions) | 11.4962% | 206 |
| Cash dividends to net income (ytd only)* | 45.0421% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5699% | 1,305 |
| Loan loss allowance to noncurrent loans | 363.4477% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.3515% | 3,631 |
| Noncurrent loans to loans | 0.4320% | 3,411 |
| Net loans and leases to total assets | 66.8544% | 2,997 |
| Net loans and leases to deposits | 75.5556% | 3,417 |
| Net loans and leases to core deposits | 78.7512% | 3,564 |
| Total domestic deposits to total assets | 88.4836% | 1,130 |
| Equity capital to assets | 10.8833% | 2,972 |
| Core capital (leverage) ratio | 11.0949% | 2,374 |
| Tier 1 risk-based capital ratio | 14.0660% | 3,411 |
| Total risk-based capital ratio | 15.3186% | 3,324 |
| Memoranda: | ||
| Average total assets | $766,159,500 | 972 |
| Average earning assets | $719,089,500 | 959 |
| Average equity | $84,594,000 | 970 |
| Average total loans | $533,986,000 | 961 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3295% | 2,035 |
| Cost of funding earning assets | 0.1506% | 5,332 |
| Net interest margin | 4.1789% | 1,125 |
| Noninterest income to average assets | 0.3382% | 4,129 |
| Noninterest expense to average assets | 1.6973% | 5,410 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7069% | 561 |
| Return on assets (ROA) | 1.7069% | 565 |
| Pretax return on assets | 2.5610% | 193 |
| Return on Equity (ROE) | 15.3808% | 611 |
| Retained earnings to average equity (ytd only) | 7.0863% | 1,555 |
| Net charge-offs to loans | 0.0408% | 2,381 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 89.3148% | 702 |
| Efficiency ratio | 39.8591% | 5,632 |
| Assets per employee ($millions) | 10.5564% | 260 |
| Cash dividends to net income (ytd only)* | 53.9275% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5712% | 1,329 |
| Loan loss allowance to noncurrent loans | 614.1631% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.2431% | 4,166 |
| Noncurrent loans to loans | 0.2558% | 4,125 |
| Net loans and leases to total assets | 70.7685% | 2,405 |
| Net loans and leases to deposits | 80.2654% | 2,880 |
| Net loans and leases to core deposits | 83.8831% | 3,083 |
| Total domestic deposits to total assets | 88.1680% | 1,372 |
| Equity capital to assets | 11.1962% | 2,597 |
| Core capital (leverage) ratio | 11.2605% | 2,165 |
| Tier 1 risk-based capital ratio | 13.6306% | 3,625 |
| Total risk-based capital ratio | 14.8829% | 3,544 |
| Memoranda: | ||
| Average total assets | $753,301,330 | 990 |
| Average earning assets | $706,641,670 | 978 |
| Average equity | $83,598,000 | 981 |
| Average total loans | $529,787,670 | 969 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2322% | 2,161 |
| Cost of funding earning assets | 0.1512% | 5,365 |
| Net interest margin | 4.0810% | 1,266 |
| Noninterest income to average assets | 0.3163% | 4,292 |
| Noninterest expense to average assets | 1.7058% | 5,470 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6375% | 628 |
| Return on assets (ROA) | 1.6375% | 645 |
| Pretax return on assets | 2.4397% | 241 |
| Return on Equity (ROE) | 14.8223% | 672 |
| Retained earnings to average equity (ytd only) | 14.8223% | 242 |
| Net charge-offs to loans | -0.0054% | 4,207 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1477% | 5,666 |
| Assets per employee ($millions) | 10.4192% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6461% | 1,259 |
| Loan loss allowance to noncurrent loans | 610.1683% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.2466% | 4,228 |
| Noncurrent loans to loans | 0.2698% | 4,140 |
| Net loans and leases to total assets | 68.3494% | 2,621 |
| Net loans and leases to deposits | 77.5352% | 3,024 |
| Net loans and leases to core deposits | 81.3390% | 3,154 |
| Total domestic deposits to total assets | 88.1527% | 1,622 |
| Equity capital to assets | 11.1010% | 2,532 |
| Core capital (leverage) ratio | 11.4377% | 1,996 |
| Tier 1 risk-based capital ratio | 14.0913% | 3,419 |
| Total risk-based capital ratio | 15.3444% | 3,338 |
| Memoranda: | ||
| Average total assets | $749,922,500 | 991 |
| Average earning assets | $703,652,500 | 981 |
| Average equity | $82,848,000 | 983 |
| Average total loans | $521,447,500 | 986 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5853% | 1,319 |
| Cost of funding earning assets | 0.1556% | 5,379 |
| Net interest margin | 4.4297% | 725 |
| Noninterest income to average assets | 0.4831% | 3,333 |
| Noninterest expense to average assets | 1.9259% | 5,325 |
| Loan and lease loss provision to assets | -0.0256% | 5,530 |
| Net operating income to assets | 1.8370% | 413 |
| Return on assets (ROA) | 1.8365% | 429 |
| Pretax return on assets | 2.7118% | 151 |
| Return on Equity (ROE) | 15.8587% | 522 |
| Retained earnings to average equity (ytd only) | 11.0732% | 298 |
| Net charge-offs to loans | -0.0311% | 5,263 |
| Credit loss provision to net charge-offs | 111.7647% | 2,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7505% | 5,755 |
| Assets per employee ($millions) | 10.4118% | 273 |
| Cash dividends to net income (ytd only)* | 30.1761% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6904% | 1,161 |
| Loan loss allowance to noncurrent loans | 591.4286% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.2902% | 4,120 |
| Noncurrent loans to loans | 0.2858% | 4,128 |
| Net loans and leases to total assets | 68.3988% | 2,709 |
| Net loans and leases to deposits | 77.3784% | 3,171 |
| Net loans and leases to core deposits | 81.2113% | 3,292 |
| Total domestic deposits to total assets | 88.3951% | 1,439 |
| Equity capital to assets | 10.9925% | 2,632 |
| Core capital (leverage) ratio | 11.1872% | 2,179 |
| Tier 1 risk-based capital ratio | 13.9568% | 3,485 |
| Total risk-based capital ratio | 15.2103% | 3,401 |
| Memoranda: | ||
| Average total assets | $668,001,800 | 1,062 |
| Average earning assets | $622,772,800 | 1,049 |
| Average equity | $77,358,200 | 1,028 |
| Average total loans | $491,961,200 | 987 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 1,143 |
| Cost of funding earning assets | 0.1540% | 5,462 |
| Net interest margin | 4.5136% | 610 |
| Noninterest income to average assets | 0.4967% | 3,271 |
| Noninterest expense to average assets | 1.9709% | 5,264 |
| Loan and lease loss provision to assets | 0.0197% | 3,851 |
| Net operating income to assets | 1.8551% | 443 |
| Return on assets (ROA) | 1.8544% | 464 |
| Pretax return on assets | 2.7068% | 165 |
| Return on Equity (ROE) | 15.7851% | 570 |
| Retained earnings to average equity (ytd only) | 10.2115% | 537 |
| Net charge-offs to loans | -0.0337% | 5,209 |
| Credit loss provision to net charge-offs | -78.0488% | 4,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9475% | 5,787 |
| Assets per employee ($millions) | 9.8002% | 317 |
| Cash dividends to net income (ytd only)* | 35.3091% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7603% | 1,087 |
| Loan loss allowance to noncurrent loans | 590.2842% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.3145% | 4,150 |
| Noncurrent loans to loans | 0.2982% | 4,185 |
| Net loans and leases to total assets | 71.6314% | 2,238 |
| Net loans and leases to deposits | 81.5804% | 2,786 |
| Net loans and leases to core deposits | 86.1858% | 2,933 |
| Total domestic deposits to total assets | 87.8046% | 1,502 |
| Equity capital to assets | 11.4936% | 2,521 |
| Core capital (leverage) ratio | 11.7111% | 1,879 |
| Tier 1 risk-based capital ratio | 13.8698% | 3,626 |
| Total risk-based capital ratio | 15.1244% | 3,550 |
| Memoranda: | ||
| Average total assets | $650,192,250 | 1,094 |
| Average earning assets | $605,268,500 | 1,081 |
| Average equity | $76,382,500 | 1,042 |
| Average total loans | $486,370,250 | 1,000 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7121% | 1,025 |
| Cost of funding earning assets | 0.1542% | 5,517 |
| Net interest margin | 4.5579% | 541 |
| Noninterest income to average assets | 0.5550% | 2,879 |
| Noninterest expense to average assets | 2.0180% | 5,238 |
| Loan and lease loss provision to assets | 0.0302% | 3,523 |
| Net operating income to assets | 1.9095% | 392 |
| Return on assets (ROA) | 1.9084% | 410 |
| Pretax return on assets | 2.7506% | 152 |
| Return on Equity (ROE) | 16.1175% | 529 |
| Retained earnings to average equity (ytd only) | 7.6238% | 1,328 |
| Net charge-offs to loans | -0.0367% | 5,230 |
| Credit loss provision to net charge-offs | -109.0909% | 4,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0379% | 5,865 |
| Assets per employee ($millions) | 9.3522% | 347 |
| Cash dividends to net income (ytd only)* | 52.6985% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7787% | 1,116 |
| Loan loss allowance to noncurrent loans | 572.0257% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 4,109 |
| Noncurrent loans to loans | 0.3110% | 4,252 |
| Net loans and leases to total assets | 75.0293% | 1,643 |
| Net loans and leases to deposits | 85.7083% | 2,284 |
| Net loans and leases to core deposits | 90.1503% | 2,520 |
| Total domestic deposits to total assets | 87.5403% | 1,654 |
| Equity capital to assets | 11.7723% | 2,291 |
| Core capital (leverage) ratio | 11.7290% | 1,828 |
| Tier 1 risk-based capital ratio | 13.7728% | 3,736 |
| Total risk-based capital ratio | 15.0278% | 3,651 |
| Memoranda: | ||
| Average total assets | $634,985,000 | 1,115 |
| Average earning assets | $591,461,670 | 1,109 |
| Average equity | $75,185,330 | 1,063 |
| Average total loans | $479,376,330 | 1,012 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6664% | 1,117 |
| Cost of funding earning assets | 0.1542% | 5,578 |
| Net interest margin | 4.5121% | 594 |
| Noninterest income to average assets | 0.7224% | 1,926 |
| Noninterest expense to average assets | 2.0859% | 5,139 |
| Loan and lease loss provision to assets | 0.0134% | 3,516 |
| Net operating income to assets | 2.0405% | 307 |
| Return on assets (ROA) | 2.0405% | 322 |
| Pretax return on assets | 2.8345% | 150 |
| Return on Equity (ROE) | 17.1812% | 415 |
| Retained earnings to average equity (ytd only) | 8.2108% | 1,371 |
| Net charge-offs to loans | -0.0154% | 4,728 |
| Credit loss provision to net charge-offs | -116.6667% | 4,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2773% | 5,916 |
| Assets per employee ($millions) | 8.8589% | 413 |
| Cash dividends to net income (ytd only)* | 52.2107% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8207% | 1,115 |
| Loan loss allowance to noncurrent loans | 461.7942% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 4,125 |
| Noncurrent loans to loans | 0.3943% | 4,024 |
| Net loans and leases to total assets | 73.9798% | 1,732 |
| Net loans and leases to deposits | 84.8092% | 2,215 |
| Net loans and leases to core deposits | 88.3337% | 2,533 |
| Total domestic deposits to total assets | 87.2309% | 2,085 |
| Equity capital to assets | 11.7907% | 2,166 |
| Core capital (leverage) ratio | 11.8780% | 1,689 |
| Tier 1 risk-based capital ratio | 14.2136% | 3,556 |
| Total risk-based capital ratio | 15.4692% | 3,483 |
| Memoranda: | ||
| Average total assets | $625,150,000 | 1,129 |
| Average earning assets | $583,492,000 | 1,118 |
| Average equity | $74,244,000 | 1,070 |
| Average total loans | $469,025,500 | 1,022 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7243% | 1,062 |
| Cost of funding earning assets | 0.1618% | 5,594 |
| Net interest margin | 4.5625% | 592 |
| Noninterest income to average assets | 0.4751% | 3,498 |
| Noninterest expense to average assets | 2.1148% | 5,228 |
| Loan and lease loss provision to assets | -0.1036% | 5,858 |
| Net operating income to assets | 1.8519% | 444 |
| Return on assets (ROA) | 1.8530% | 453 |
| Pretax return on assets | 2.6962% | 154 |
| Return on Equity (ROE) | 15.8737% | 567 |
| Retained earnings to average equity (ytd only) | 15.1548% | 130 |
| Net charge-offs to loans | -0.0190% | 5,256 |
| Credit loss provision to net charge-offs | 728.9157% | 460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9398% | 5,955 |
| Assets per employee ($millions) | 8.6261% | 447 |
| Cash dividends to net income (ytd only)* | 4.5287% | 4,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9044% | 949 |
| Loan loss allowance to noncurrent loans | 533.7623% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.5618% | 3,406 |
| Noncurrent loans to loans | 0.3568% | 4,177 |
| Net loans and leases to total assets | 73.2645% | 1,844 |
| Net loans and leases to deposits | 83.8429% | 2,379 |
| Net loans and leases to core deposits | 87.0795% | 2,687 |
| Total domestic deposits to total assets | 87.3831% | 1,939 |
| Equity capital to assets | 11.9653% | 1,980 |
| Core capital (leverage) ratio | 11.9051% | 1,680 |
| Tier 1 risk-based capital ratio | 14.5443% | 3,420 |
| Total risk-based capital ratio | 15.8009% | 3,330 |
| Memoranda: | ||
| Average total assets | $583,929,600 | 1,169 |
| Average earning assets | $541,480,600 | 1,165 |
| Average equity | $68,163,000 | 1,118 |
| Average total loans | $437,348,600 | 1,049 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7386% | 1,033 |
| Cost of funding earning assets | 0.1624% | 5,685 |
| Net interest margin | 4.5762% | 570 |
| Noninterest income to average assets | 0.4880% | 3,459 |
| Noninterest expense to average assets | 2.1003% | 5,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.8339% | 482 |
| Return on assets (ROA) | 1.8354% | 502 |
| Pretax return on assets | 2.6289% | 200 |
| Return on Equity (ROE) | 15.8282% | 616 |
| Retained earnings to average equity (ytd only) | 15.8282% | 133 |
| Net charge-offs to loans | 0.0003% | 4,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 11,392.1955% | 3 |
| Efficiency ratio | 44.4303% | 6,024 |
| Assets per employee ($millions) | 8.8433% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0862% | 795 |
| Loan loss allowance to noncurrent loans | 329.7500% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.7665% | 2,987 |
| Noncurrent loans to loans | 0.6327% | 3,422 |
| Net loans and leases to total assets | 72.0638% | 2,052 |
| Net loans and leases to deposits | 82.4480% | 2,593 |
| Net loans and leases to core deposits | 85.0595% | 2,947 |
| Total domestic deposits to total assets | 87.4051% | 1,842 |
| Equity capital to assets | 11.7993% | 2,264 |
| Core capital (leverage) ratio | 11.9020% | 1,739 |
| Tier 1 risk-based capital ratio | 14.6399% | 3,476 |
| Total risk-based capital ratio | 15.8986% | 3,406 |
| Memoranda: | ||
| Average total assets | $576,798,000 | 1,187 |
| Average earning assets | $534,321,500 | 1,186 |
| Average equity | $66,883,250 | 1,137 |
| Average total loans | $432,329,750 | 1,062 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7147% | 1,044 |
| Cost of funding earning assets | 0.1641% | 5,746 |
| Net interest margin | 4.5507% | 572 |
| Noninterest income to average assets | 0.5174% | 3,245 |
| Noninterest expense to average assets | 2.1072% | 5,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.8917% | 437 |
| Return on assets (ROA) | 1.8920% | 455 |
| Pretax return on assets | 2.6443% | 206 |
| Return on Equity (ROE) | 16.4178% | 559 |
| Retained earnings to average equity (ytd only) | 16.4178% | 142 |
| Net charge-offs to loans | -0.0107% | 4,942 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3515% | 6,100 |
| Assets per employee ($millions) | 8.4860% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0846% | 874 |
| Loan loss allowance to noncurrent loans | 377.6010% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.9470% | 2,641 |
| Noncurrent loans to loans | 0.5521% | 3,800 |
| Net loans and leases to total assets | 74.2432% | 1,624 |
| Net loans and leases to deposits | 87.2830% | 1,911 |
| Net loans and leases to core deposits | 89.8778% | 2,362 |
| Total domestic deposits to total assets | 85.0603% | 3,096 |
| Equity capital to assets | 11.6362% | 2,303 |
| Core capital (leverage) ratio | 11.7360% | 1,818 |
| Tier 1 risk-based capital ratio | 14.1071% | 3,861 |
| Total risk-based capital ratio | 15.3658% | 3,789 |
| Memoranda: | ||
| Average total assets | $568,617,000 | 1,208 |
| Average earning assets | $529,020,670 | 1,204 |
| Average equity | $65,526,330 | 1,170 |
| Average total loans | $428,912,330 | 1,070 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6927% | 1,044 |
| Cost of funding earning assets | 0.1673% | 5,796 |
| Net interest margin | 4.5254% | 579 |
| Noninterest income to average assets | 0.4549% | 3,604 |
| Noninterest expense to average assets | 2.1180% | 5,342 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8845% | 416 |
| Return on assets (ROA) | 1.8845% | 440 |
| Pretax return on assets | 2.5471% | 222 |
| Return on Equity (ROE) | 16.4366% | 526 |
| Retained earnings to average equity (ytd only) | 16.4366% | 202 |
| Net charge-offs to loans | -0.0123% | 4,814 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4003% | 6,130 |
| Assets per employee ($millions) | 8.1432% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1781% | 830 |
| Loan loss allowance to noncurrent loans | 327.2920% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 1.0563% | 2,507 |
| Noncurrent loans to loans | 0.6655% | 3,617 |
| Net loans and leases to total assets | 73.9057% | 1,519 |
| Net loans and leases to deposits | 84.7060% | 1,986 |
| Net loans and leases to core deposits | 87.0945% | 2,419 |
| Total domestic deposits to total assets | 87.2496% | 2,239 |
| Equity capital to assets | 11.6970% | 2,294 |
| Core capital (leverage) ratio | 11.6175% | 1,917 |
| Tier 1 risk-based capital ratio | 14.0828% | 3,953 |
| Total risk-based capital ratio | 15.3426% | 3,874 |
| Memoranda: | ||
| Average total assets | $560,158,000 | 1,235 |
| Average earning assets | $521,144,500 | 1,224 |
| Average equity | $64,222,500 | 1,189 |
| Average total loans | $421,381,000 | 1,088 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7265% | 1,244 |
| Cost of funding earning assets | 0.1860% | 5,868 |
| Net interest margin | 4.5405% | 693 |
| Noninterest income to average assets | 0.6442% | 2,591 |
| Noninterest expense to average assets | 2.2069% | 5,339 |
| Loan and lease loss provision to assets | 0.1862% | 1,382 |
| Net operating income to assets | 1.6481% | 641 |
| Return on assets (ROA) | 1.6511% | 664 |
| Pretax return on assets | 2.4817% | 196 |
| Return on Equity (ROE) | 15.1713% | 753 |
| Retained earnings to average equity (ytd only) | 11.8198% | 311 |
| Net charge-offs to loans | 0.0999% | 3,082 |
| Credit loss provision to net charge-offs | 250.0000% | 1,016 |
| Earnings coverage of net charge-offs (x) | 35.7625% | 1,182 |
| Efficiency ratio | 45.3131% | 6,289 |
| Assets per employee ($millions) | 8.2123% | 496 |
| Cash dividends to net income (ytd only)* | 22.0907% | 3,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2075% | 814 |
| Loan loss allowance to noncurrent loans | 319.8130% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 1.0739% | 2,598 |
| Noncurrent loans to loans | 0.6903% | 3,613 |
| Net loans and leases to total assets | 73.2442% | 1,717 |
| Net loans and leases to deposits | 83.0682% | 2,328 |
| Net loans and leases to core deposits | 85.6370% | 2,721 |
| Total domestic deposits to total assets | 88.1736% | 1,672 |
| Equity capital to assets | 11.2317% | 2,663 |
| Core capital (leverage) ratio | 11.2345% | 2,188 |
| Tier 1 risk-based capital ratio | 14.2805% | 3,911 |
| Total risk-based capital ratio | 15.5418% | 3,833 |
| Memoranda: | ||
| Average total assets | $537,093,600 | 1,247 |
| Average earning assets | $499,903,200 | 1,233 |
| Average equity | $58,452,600 | 1,250 |
| Average total loans | $400,217,400 | 1,100 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6952% | 1,320 |
| Cost of funding earning assets | 0.1889% | 5,923 |
| Net interest margin | 4.5063% | 728 |
| Noninterest income to average assets | 0.7091% | 2,283 |
| Noninterest expense to average assets | 2.2047% | 5,341 |
| Loan and lease loss provision to assets | 0.2507% | 859 |
| Net operating income to assets | 1.6277% | 703 |
| Return on assets (ROA) | 1.6305% | 724 |
| Pretax return on assets | 2.4507% | 231 |
| Return on Equity (ROE) | 15.1092% | 807 |
| Retained earnings to average equity (ytd only) | 10.5576% | 578 |
| Net charge-offs to loans | 0.1520% | 2,273 |
| Credit loss provision to net charge-offs | 221.7295% | 1,168 |
| Earnings coverage of net charge-offs (x) | 23.8514% | 1,568 |
| Efficiency ratio | 44.9770% | 6,326 |
| Assets per employee ($millions) | 7.9912% | 520 |
| Cash dividends to net income (ytd only)* | 30.1245% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2585% | 871 |
| Loan loss allowance to noncurrent loans | 286.2219% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.9242% | 3,131 |
| Noncurrent loans to loans | 0.7891% | 3,611 |
| Net loans and leases to total assets | 73.1260% | 1,661 |
| Net loans and leases to deposits | 82.8603% | 2,311 |
| Net loans and leases to core deposits | 85.6973% | 2,695 |
| Total domestic deposits to total assets | 88.2522% | 1,631 |
| Equity capital to assets | 11.0660% | 2,886 |
| Core capital (leverage) ratio | 11.0196% | 2,466 |
| Tier 1 risk-based capital ratio | 14.2170% | 4,072 |
| Total risk-based capital ratio | 15.4791% | 3,991 |
| Memoranda: | ||
| Average total assets | $531,758,250 | 1,263 |
| Average earning assets | $494,758,750 | 1,253 |
| Average equity | $57,385,250 | 1,278 |
| Average total loans | $395,708,250 | 1,110 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6580% | 1,377 |
| Cost of funding earning assets | 0.1903% | 5,998 |
| Net interest margin | 4.4677% | 753 |
| Noninterest income to average assets | 0.8491% | 1,666 |
| Noninterest expense to average assets | 2.1967% | 5,422 |
| Loan and lease loss provision to assets | 0.2842% | 711 |
| Net operating income to assets | 1.6773% | 602 |
| Return on assets (ROA) | 1.6773% | 640 |
| Pretax return on assets | 2.5214% | 200 |
| Return on Equity (ROE) | 15.6793% | 685 |
| Retained earnings to average equity (ytd only) | 8.7410% | 1,065 |
| Net charge-offs to loans | 0.0423% | 3,375 |
| Credit loss provision to net charge-offs | 903.6145% | 359 |
| Earnings coverage of net charge-offs (x) | 89.2169% | 603 |
| Efficiency ratio | 43.9143% | 6,424 |
| Assets per employee ($millions) | 7.7076% | 564 |
| Cash dividends to net income (ytd only)* | 44.2512% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3024% | 897 |
| Loan loss allowance to noncurrent loans | 278.1932% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.9845% | 3,093 |
| Noncurrent loans to loans | 0.8276% | 3,635 |
| Net loans and leases to total assets | 74.2026% | 1,413 |
| Net loans and leases to deposits | 84.8628% | 1,948 |
| Net loans and leases to core deposits | 87.8763% | 2,326 |
| Total domestic deposits to total assets | 87.4383% | 2,224 |
| Equity capital to assets | 10.8899% | 2,989 |
| Core capital (leverage) ratio | 10.9132% | 2,516 |
| Tier 1 risk-based capital ratio | 13.6125% | 4,515 |
| Total risk-based capital ratio | 14.8747% | 4,448 |
| Memoranda: | ||
| Average total assets | $527,876,670 | 1,272 |
| Average earning assets | $490,724,000 | 1,258 |
| Average equity | $56,469,330 | 1,287 |
| Average total loans | $392,094,000 | 1,115 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5736% | 1,576 |
| Cost of funding earning assets | 0.1915% | 6,068 |
| Net interest margin | 4.3821% | 834 |
| Noninterest income to average assets | 0.6024% | 2,720 |
| Noninterest expense to average assets | 2.2194% | 5,418 |
| Loan and lease loss provision to assets | 0.2852% | 703 |
| Net operating income to assets | 1.4854% | 843 |
| Return on assets (ROA) | 1.4854% | 871 |
| Pretax return on assets | 2.1715% | 373 |
| Return on Equity (ROE) | 14.0134% | 942 |
| Retained earnings to average equity (ytd only) | 14.0134% | 394 |
| Net charge-offs to loans | 0.0249% | 3,071 |
| Credit loss provision to net charge-offs | 1,562.5000% | 208 |
| Earnings coverage of net charge-offs (x) | 134.5833% | 368 |
| Efficiency ratio | 47.4626% | 6,380 |
| Assets per employee ($millions) | 7.6173% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2869% | 1,049 |
| Loan loss allowance to noncurrent loans | 419.2254% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.6722% | 4,103 |
| Noncurrent loans to loans | 0.5455% | 4,531 |
| Net loans and leases to total assets | 73.0350% | 1,424 |
| Net loans and leases to deposits | 83.5437% | 1,870 |
| Net loans and leases to core deposits | 86.7926% | 2,226 |
| Total domestic deposits to total assets | 87.4213% | 2,551 |
| Equity capital to assets | 10.8439% | 2,886 |
| Core capital (leverage) ratio | 11.0210% | 2,369 |
| Tier 1 risk-based capital ratio | 14.0251% | 4,321 |
| Total risk-based capital ratio | 15.2873% | 4,243 |
| Memoranda: | ||
| Average total assets | $525,902,500 | 1,283 |
| Average earning assets | $488,898,000 | 1,272 |
| Average equity | $55,746,500 | 1,298 |
| Average total loans | $386,177,000 | 1,141 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4259% | 2,485 |
| Cost of funding earning assets | 0.2257% | 6,141 |
| Net interest margin | 4.2002% | 1,357 |
| Noninterest income to average assets | 0.4791% | 3,892 |
| Noninterest expense to average assets | 2.1878% | 5,660 |
| Loan and lease loss provision to assets | 0.5013% | 558 |
| Net operating income to assets | 1.1528% | 1,751 |
| Return on assets (ROA) | 1.2350% | 1,499 |
| Pretax return on assets | 1.8004% | 759 |
| Return on Equity (ROE) | 12.4268% | 1,302 |
| Retained earnings to average equity (ytd only) | 11.8531% | 331 |
| Net charge-offs to loans | 0.4085% | 1,648 |
| Credit loss provision to net charge-offs | 184.2179% | 1,243 |
| Earnings coverage of net charge-offs (x) | 8.1571% | 2,719 |
| Efficiency ratio | 49.6378% | 6,413 |
| Assets per employee ($millions) | 7.7384% | 534 |
| Cash dividends to net income (ytd only)* | 4.6161% | 4,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2748% | 1,073 |
| Loan loss allowance to noncurrent loans | 318.9139% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.7833% | 3,932 |
| Noncurrent loans to loans | 0.7133% | 4,179 |
| Net loans and leases to total assets | 70.4792% | 1,938 |
| Net loans and leases to deposits | 79.1606% | 2,567 |
| Net loans and leases to core deposits | 82.5290% | 2,830 |
| Total domestic deposits to total assets | 89.0333% | 1,601 |
| Equity capital to assets | 10.3567% | 3,334 |
| Core capital (leverage) ratio | 10.4631% | 2,956 |
| Tier 1 risk-based capital ratio | 14.2016% | 4,153 |
| Total risk-based capital ratio | 15.4629% | 4,090 |
| Memoranda: | ||
| Average total assets | $526,225,200 | 1,265 |
| Average earning assets | $492,193,000 | 1,242 |
| Average equity | $52,298,400 | 1,357 |
| Average total loans | $350,564,800 | 1,219 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3572% | 2,746 |
| Cost of funding earning assets | 0.2331% | 6,202 |
| Net interest margin | 4.1240% | 1,555 |
| Noninterest income to average assets | 0.4746% | 3,976 |
| Noninterest expense to average assets | 2.1911% | 5,626 |
| Loan and lease loss provision to assets | 0.4657% | 599 |
| Net operating income to assets | 1.1260% | 1,903 |
| Return on assets (ROA) | 1.2364% | 1,593 |
| Pretax return on assets | 1.7918% | 922 |
| Return on Equity (ROE) | 12.5733% | 1,339 |
| Retained earnings to average equity (ytd only) | 12.5733% | 370 |
| Net charge-offs to loans | 0.2431% | 2,354 |
| Credit loss provision to net charge-offs | 293.6102% | 870 |
| Earnings coverage of net charge-offs (x) | 13.5367% | 2,022 |
| Efficiency ratio | 50.5081% | 6,369 |
| Assets per employee ($millions) | 7.6522% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3061% | 1,176 |
| Loan loss allowance to noncurrent loans | 84.3900% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 2.3023% | 1,713 |
| Noncurrent loans to loans | 2.7327% | 1,543 |
| Net loans and leases to total assets | 69.3136% | 2,080 |
| Net loans and leases to deposits | 77.7486% | 2,708 |
| Net loans and leases to core deposits | 81.2296% | 2,972 |
| Total domestic deposits to total assets | 89.1509% | 1,481 |
| Equity capital to assets | 10.1116% | 3,755 |
| Core capital (leverage) ratio | 10.2538% | 3,321 |
| Tier 1 risk-based capital ratio | 14.1992% | 4,284 |
| Total risk-based capital ratio | 15.4624% | 4,224 |
| Memoranda: | ||
| Average total assets | $526,229,250 | 1,278 |
| Average earning assets | $492,998,500 | 1,245 |
| Average equity | $51,748,500 | 1,381 |
| Average total loans | $343,330,750 | 1,243 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2911% | 2,990 |
| Cost of funding earning assets | 0.2420% | 6,231 |
| Net interest margin | 4.0492% | 1,700 |
| Noninterest income to average assets | 0.4817% | 3,954 |
| Noninterest expense to average assets | 2.1859% | 5,665 |
| Loan and lease loss provision to assets | 0.4520% | 639 |
| Net operating income to assets | 1.0981% | 1,936 |
| Return on assets (ROA) | 1.2640% | 1,517 |
| Pretax return on assets | 1.8047% | 919 |
| Return on Equity (ROE) | 12.9761% | 1,250 |
| Retained earnings to average equity (ytd only) | 12.9761% | 387 |
| Net charge-offs to loans | 0.4175% | 1,548 |
| Credit loss provision to net charge-offs | 170.9353% | 1,379 |
| Earnings coverage of net charge-offs (x) | 7.9065% | 2,481 |
| Efficiency ratio | 51.1121% | 6,349 |
| Assets per employee ($millions) | 7.6225% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3567% | 1,161 |
| Loan loss allowance to noncurrent loans | 69.8474% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 2.6443% | 1,578 |
| Noncurrent loans to loans | 3.3740% | 1,274 |
| Net loans and leases to total assets | 63.3084% | 3,044 |
| Net loans and leases to deposits | 70.9414% | 3,594 |
| Net loans and leases to core deposits | 74.1665% | 3,784 |
| Total domestic deposits to total assets | 89.2404% | 1,487 |
| Equity capital to assets | 10.0857% | 3,811 |
| Core capital (leverage) ratio | 10.0079% | 3,505 |
| Tier 1 risk-based capital ratio | 15.2895% | 3,604 |
| Total risk-based capital ratio | 16.5532% | 3,551 |
| Memoranda: | ||
| Average total assets | $525,639,000 | 1,273 |
| Average earning assets | $492,643,000 | 1,247 |
| Average equity | $51,201,670 | 1,399 |
| Average total loans | $332,902,670 | 1,277 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2281% | 3,192 |
| Cost of funding earning assets | 0.2546% | 6,263 |
| Net interest margin | 3.9735% | 1,879 |
| Noninterest income to average assets | 0.5041% | 3,747 |
| Noninterest expense to average assets | 2.1175% | 5,873 |
| Loan and lease loss provision to assets | 0.4247% | 709 |
| Net operating income to assets | 1.1404% | 1,716 |
| Return on assets (ROA) | 1.1404% | 1,829 |
| Pretax return on assets | 1.6890% | 1,104 |
| Return on Equity (ROE) | 11.9138% | 1,446 |
| Retained earnings to average equity (ytd only) | 11.9138% | 711 |
| Net charge-offs to loans | 0.6036% | 1,010 |
| Credit loss provision to net charge-offs | 112.4000% | 1,674 |
| Earnings coverage of net charge-offs (x) | 5.5940% | 2,348 |
| Efficiency ratio | 50.0447% | 6,497 |
| Assets per employee ($millions) | 7.7443% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2861% | 1,431 |
| Loan loss allowance to noncurrent loans | 113.7282% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 1.7770% | 2,633 |
| Noncurrent loans to loans | 2.0102% | 2,608 |
| Net loans and leases to total assets | 60.7841% | 3,295 |
| Net loans and leases to deposits | 67.8994% | 3,785 |
| Net loans and leases to core deposits | 70.9520% | 3,959 |
| Total domestic deposits to total assets | 89.5208% | 1,346 |
| Equity capital to assets | 9.7557% | 4,489 |
| Core capital (leverage) ratio | 9.6530% | 3,845 |
| Tier 1 risk-based capital ratio | 15.2179% | 3,698 |
| Total risk-based capital ratio | 16.4798% | 3,643 |
| Memoranda: | ||
| Average total assets | $529,294,000 | 1,279 |
| Average earning assets | $496,489,000 | 1,247 |
| Average equity | $50,664,000 | 1,432 |
| Average total loans | $331,321,000 | 1,285 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5338% | 3,266 |
| Cost of funding earning assets | 0.3563% | 6,174 |
| Net interest margin | 4.1775% | 1,721 |
| Noninterest income to average assets | 0.4714% | 4,087 |
| Noninterest expense to average assets | 2.3434% | 5,582 |
| Loan and lease loss provision to assets | 0.7055% | 726 |
| Net operating income to assets | 0.9425% | 2,587 |
| Return on assets (ROA) | 0.9580% | 2,757 |
| Pretax return on assets | 1.3763% | 2,118 |
| Return on Equity (ROE) | 10.3099% | 2,042 |
| Retained earnings to average equity (ytd only) | 9.8329% | 625 |
| Net charge-offs to loans | 0.7264% | 1,619 |
| Credit loss provision to net charge-offs | 150.1663% | 1,818 |
| Earnings coverage of net charge-offs (x) | 4.3836% | 3,384 |
| Efficiency ratio | 53.2222% | 6,354 |
| Assets per employee ($millions) | 8.0602% | 488 |
| Cash dividends to net income (ytd only)* | 4.6270% | 4,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2167% | 1,533 |
| Loan loss allowance to noncurrent loans | 132.5777% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 1.5933% | 2,998 |
| Noncurrent loans to loans | 1.6720% | 3,115 |
| Net loans and leases to total assets | 61.5873% | 3,322 |
| Net loans and leases to deposits | 68.4125% | 3,915 |
| Net loans and leases to core deposits | 71.3942% | 4,117 |
| Total domestic deposits to total assets | 90.0236% | 937 |
| Equity capital to assets | 9.3901% | 5,011 |
| Core capital (leverage) ratio | 9.2272% | 4,531 |
| Tier 1 risk-based capital ratio | 14.5359% | 4,006 |
| Total risk-based capital ratio | 15.7983% | 3,950 |
| Memoranda: | ||
| Average total assets | $512,086,400 | 1,307 |
| Average earning assets | $481,936,600 | 1,265 |
| Average equity | $47,585,200 | 1,471 |
| Average total loans | $331,220,000 | 1,270 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5863% | 3,265 |
| Cost of funding earning assets | 0.3772% | 6,249 |
| Net interest margin | 4.2090% | 1,711 |
| Noninterest income to average assets | 0.4651% | 4,179 |
| Noninterest expense to average assets | 2.3163% | 5,646 |
| Loan and lease loss provision to assets | 0.7604% | 642 |
| Net operating income to assets | 0.9534% | 2,732 |
| Return on assets (ROA) | 0.9744% | 2,859 |
| Pretax return on assets | 1.3845% | 2,283 |
| Return on Equity (ROE) | 10.5147% | 2,132 |
| Retained earnings to average equity (ytd only) | 10.2026% | 867 |
| Net charge-offs to loans | 0.6270% | 1,752 |
| Credit loss provision to net charge-offs | 186.2202% | 1,486 |
| Earnings coverage of net charge-offs (x) | 5.1797% | 3,087 |
| Efficiency ratio | 52.2725% | 6,431 |
| Assets per employee ($millions) | 8.0660% | 466 |
| Cash dividends to net income (ytd only)* | 2.9681% | 3,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3124% | 1,494 |
| Loan loss allowance to noncurrent loans | 113.8575% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 1.9321% | 2,738 |
| Noncurrent loans to loans | 2.0310% | 2,811 |
| Net loans and leases to total assets | 60.9071% | 3,586 |
| Net loans and leases to deposits | 67.6552% | 4,236 |
| Net loans and leases to core deposits | 71.4771% | 4,320 |
| Total domestic deposits to total assets | 90.0257% | 837 |
| Equity capital to assets | 9.3347% | 5,425 |
| Core capital (leverage) ratio | 9.3774% | 4,468 |
| Tier 1 risk-based capital ratio | 14.7554% | 4,010 |
| Total risk-based capital ratio | 16.0181% | 3,958 |
| Memoranda: | ||
| Average total assets | $507,114,750 | 1,333 |
| Average earning assets | $477,850,250 | 1,292 |
| Average equity | $46,993,250 | 1,499 |
| Average total loans | $330,261,250 | 1,286 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6197% | 3,278 |
| Cost of funding earning assets | 0.3993% | 6,267 |
| Net interest margin | 4.2204% | 1,696 |
| Noninterest income to average assets | 0.4579% | 4,229 |
| Noninterest expense to average assets | 2.3068% | 5,717 |
| Loan and lease loss provision to assets | 0.8137% | 611 |
| Net operating income to assets | 0.9520% | 2,652 |
| Return on assets (ROA) | 0.9518% | 2,909 |
| Pretax return on assets | 1.3215% | 2,478 |
| Return on Equity (ROE) | 10.2969% | 2,239 |
| Retained earnings to average equity (ytd only) | 9.8222% | 1,020 |
| Net charge-offs to loans | 0.6922% | 1,600 |
| Credit loss provision to net charge-offs | 177.8553% | 1,584 |
| Earnings coverage of net charge-offs (x) | 4.6678% | 3,022 |
| Efficiency ratio | 51.9260% | 6,509 |
| Assets per employee ($millions) | 7.7970% | 515 |
| Cash dividends to net income (ytd only)* | 4.6102% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1565% | 1,872 |
| Loan loss allowance to noncurrent loans | 83.4761% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 2.5438% | 2,196 |
| Noncurrent loans to loans | 2.5834% | 2,326 |
| Net loans and leases to total assets | 63.6787% | 3,112 |
| Net loans and leases to deposits | 70.7529% | 3,789 |
| Net loans and leases to core deposits | 75.0122% | 3,882 |
| Total domestic deposits to total assets | 90.0016% | 923 |
| Equity capital to assets | 9.3934% | 5,199 |
| Core capital (leverage) ratio | 9.1727% | 4,651 |
| Tier 1 risk-based capital ratio | 14.4471% | 4,136 |
| Total risk-based capital ratio | 15.7112% | 4,094 |
| Memoranda: | ||
| Average total assets | $501,390,000 | 1,348 |
| Average earning assets | $473,363,670 | 1,309 |
| Average equity | $46,344,000 | 1,505 |
| Average total loans | $331,385,670 | 1,283 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6495% | 3,271 |
| Cost of funding earning assets | 0.4181% | 6,326 |
| Net interest margin | 4.2314% | 1,669 |
| Noninterest income to average assets | 0.4412% | 4,363 |
| Noninterest expense to average assets | 2.0686% | 6,341 |
| Loan and lease loss provision to assets | 0.8542% | 536 |
| Net operating income to assets | 1.0211% | 2,395 |
| Return on assets (ROA) | 1.0211% | 2,588 |
| Pretax return on assets | 1.5120% | 1,843 |
| Return on Equity (ROE) | 11.1391% | 1,964 |
| Retained earnings to average equity (ytd only) | 11.1391% | 996 |
| Net charge-offs to loans | 0.4106% | 2,071 |
| Credit loss provision to net charge-offs | 312.3167% | 954 |
| Earnings coverage of net charge-offs (x) | 8.6510% | 1,933 |
| Efficiency ratio | 46.6450% | 6,870 |
| Assets per employee ($millions) | 7.8098% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0732% | 2,163 |
| Loan loss allowance to noncurrent loans | 87.5126% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 2.3860% | 2,492 |
| Noncurrent loans to loans | 2.3690% | 2,734 |
| Net loans and leases to total assets | 64.6229% | 2,736 |
| Net loans and leases to deposits | 71.5956% | 3,495 |
| Net loans and leases to core deposits | 75.4212% | 3,697 |
| Total domestic deposits to total assets | 90.2609% | 939 |
| Equity capital to assets | 9.1142% | 5,335 |
| Core capital (leverage) ratio | 9.1047% | 4,678 |
| Tier 1 risk-based capital ratio | 13.9649% | 4,491 |
| Total risk-based capital ratio | 15.2239% | 4,453 |
| Memoranda: | ||
| Average total assets | $498,684,000 | 1,359 |
| Average earning assets | $470,672,000 | 1,321 |
| Average equity | $45,713,000 | 1,519 |
| Average total loans | $332,159,500 | 1,281 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1240% | 2,358 |
| Cost of funding earning assets | 0.5256% | 6,436 |
| Net interest margin | 4.5984% | 930 |
| Noninterest income to average assets | 0.2389% | 5,827 |
| Noninterest expense to average assets | 2.3469% | 5,916 |
| Loan and lease loss provision to assets | 0.9498% | 1,011 |
| Net operating income to assets | 0.8456% | 2,850 |
| Return on assets (ROA) | 0.8640% | 2,903 |
| Pretax return on assets | 1.2876% | 2,181 |
| Return on Equity (ROE) | 9.1079% | 2,401 |
| Retained earnings to average equity (ytd only) | 0.7511% | 5,501 |
| Net charge-offs to loans | 1.2334% | 1,351 |
| Credit loss provision to net charge-offs | 111.5423% | 2,980 |
| Earnings coverage of net charge-offs (x) | 2.5953% | 3,920 |
| Efficiency ratio | 51.5023% | 6,739 |
| Assets per employee ($millions) | 7.5343% | 567 |
| Cash dividends to net income (ytd only)* | 91.7536% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8887% | 2,603 |
| Loan loss allowance to noncurrent loans | 69.8876% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 2.7390% | 2,219 |
| Noncurrent loans to loans | 2.7025% | 2,400 |
| Net loans and leases to total assets | 65.9759% | 2,787 |
| Net loans and leases to deposits | 73.1430% | 3,640 |
| Net loans and leases to core deposits | 77.2936% | 3,782 |
| Total domestic deposits to total assets | 90.2012% | 879 |
| Equity capital to assets | 9.2212% | 5,258 |
| Core capital (leverage) ratio | 9.0134% | 4,762 |
| Tier 1 risk-based capital ratio | 13.6806% | 4,571 |
| Total risk-based capital ratio | 14.9307% | 4,530 |
| Memoranda: | ||
| Average total assets | $465,970,000 | 1,417 |
| Average earning assets | $437,569,400 | 1,387 |
| Average equity | $44,203,600 | 1,533 |
| Average total loans | $321,711,000 | 1,319 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2080% | 2,180 |
| Cost of funding earning assets | 0.5469% | 6,525 |
| Net interest margin | 4.6611% | 829 |
| Noninterest income to average assets | 0.3524% | 5,035 |
| Noninterest expense to average assets | 2.1642% | 6,361 |
| Loan and lease loss provision to assets | 0.8993% | 993 |
| Net operating income to assets | 1.0743% | 2,062 |
| Return on assets (ROA) | 1.0985% | 2,121 |
| Pretax return on assets | 1.6981% | 1,150 |
| Return on Equity (ROE) | 11.4938% | 1,692 |
| Retained earnings to average equity (ytd only) | 1.4799% | 5,401 |
| Net charge-offs to loans | 0.8893% | 1,794 |
| Credit loss provision to net charge-offs | 145.4759% | 2,173 |
| Earnings coverage of net charge-offs (x) | 4.1416% | 3,163 |
| Efficiency ratio | 45.8070% | 7,071 |
| Assets per employee ($millions) | 7.4997% | 576 |
| Cash dividends to net income (ytd only)* | 87.1240% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0800% | 2,117 |
| Loan loss allowance to noncurrent loans | 85.2152% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 2.6603% | 2,432 |
| Noncurrent loans to loans | 2.4409% | 2,831 |
| Net loans and leases to total assets | 66.0273% | 2,896 |
| Net loans and leases to deposits | 73.3640% | 3,747 |
| Net loans and leases to core deposits | 77.4976% | 3,977 |
| Total domestic deposits to total assets | 89.9996% | 866 |
| Equity capital to assets | 9.4469% | 5,168 |
| Core capital (leverage) ratio | 9.4613% | 4,211 |
| Tier 1 risk-based capital ratio | 13.8980% | 4,418 |
| Total risk-based capital ratio | 15.1582% | 4,376 |
| Memoranda: | ||
| Average total assets | $460,029,500 | 1,440 |
| Average earning assets | $431,500,750 | 1,411 |
| Average equity | $43,964,750 | 1,544 |
| Average total loans | $319,807,500 | 1,342 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2906% | 1,919 |
| Cost of funding earning assets | 0.5665% | 6,599 |
| Net interest margin | 4.7241% | 692 |
| Noninterest income to average assets | 0.3516% | 5,078 |
| Noninterest expense to average assets | 2.1752% | 6,441 |
| Loan and lease loss provision to assets | 0.9233% | 965 |
| Net operating income to assets | 1.0822% | 1,924 |
| Return on assets (ROA) | 1.1028% | 1,950 |
| Pretax return on assets | 1.7107% | 1,033 |
| Return on Equity (ROE) | 11.4928% | 1,641 |
| Retained earnings to average equity (ytd only) | -3.6869% | 6,444 |
| Net charge-offs to loans | 1.1924% | 1,316 |
| Credit loss provision to net charge-offs | 110.2159% | 2,785 |
| Earnings coverage of net charge-offs (x) | 3.1058% | 3,301 |
| Efficiency ratio | 45.5351% | 7,176 |
| Assets per employee ($millions) | 7.3181% | 627 |
| Cash dividends to net income (ytd only)* | 132.0800% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8160% | 2,933 |
| Loan loss allowance to noncurrent loans | 111.1816% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 2.2595% | 2,903 |
| Noncurrent loans to loans | 1.6334% | 3,956 |
| Net loans and leases to total assets | 70.9727% | 2,012 |
| Net loans and leases to deposits | 78.8748% | 2,982 |
| Net loans and leases to core deposits | 83.0037% | 3,365 |
| Total domestic deposits to total assets | 89.9815% | 986 |
| Equity capital to assets | 9.5574% | 4,725 |
| Core capital (leverage) ratio | 9.4135% | 4,084 |
| Tier 1 risk-based capital ratio | 13.5883% | 4,460 |
| Total risk-based capital ratio | 14.8485% | 4,436 |
| Memoranda: | ||
| Average total assets | $453,379,330 | 1,468 |
| Average earning assets | $424,713,330 | 1,441 |
| Average equity | $43,505,330 | 1,544 |
| Average total loans | $318,526,670 | 1,358 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2401% | 2,090 |
| Cost of funding earning assets | 0.5836% | 6,677 |
| Net interest margin | 4.6565% | 770 |
| Noninterest income to average assets | 0.3363% | 5,218 |
| Noninterest expense to average assets | 2.1509% | 6,529 |
| Loan and lease loss provision to assets | 0.8764% | 929 |
| Net operating income to assets | 1.1075% | 1,816 |
| Return on assets (ROA) | 1.1191% | 1,821 |
| Pretax return on assets | 1.6928% | 993 |
| Return on Equity (ROE) | 11.6394% | 1,565 |
| Retained earnings to average equity (ytd only) | 10.2350% | 1,071 |
| Net charge-offs to loans | 0.8464% | 1,558 |
| Credit loss provision to net charge-offs | 149.5482% | 1,917 |
| Earnings coverage of net charge-offs (x) | 4.3539% | 2,500 |
| Efficiency ratio | 45.7395% | 7,214 |
| Assets per employee ($millions) | 7.0972% | 703 |
| Cash dividends to net income (ytd only)* | 12.0662% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9343% | 2,580 |
| Loan loss allowance to noncurrent loans | 78.7053% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 2.2885% | 2,960 |
| Noncurrent loans to loans | 2.4576% | 3,036 |
| Net loans and leases to total assets | 67.9861% | 2,552 |
| Net loans and leases to deposits | 75.8098% | 3,449 |
| Net loans and leases to core deposits | 82.0686% | 3,443 |
| Total domestic deposits to total assets | 89.6799% | 1,371 |
| Equity capital to assets | 9.7433% | 4,117 |
| Core capital (leverage) ratio | 9.8392% | 3,346 |
| Tier 1 risk-based capital ratio | 14.5558% | 3,702 |
| Total risk-based capital ratio | 15.8159% | 3,658 |
| Memoranda: | ||
| Average total assets | $453,208,500 | 1,483 |
| Average earning assets | $424,955,000 | 1,445 |
| Average equity | $43,576,000 | 1,528 |
| Average total loans | $313,803,000 | 1,388 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6049% | 1,873 |
| Cost of funding earning assets | 0.8117% | 6,513 |
| Net interest margin | 4.7933% | 668 |
| Noninterest income to average assets | 0.7027% | 2,828 |
| Noninterest expense to average assets | 2.3132% | 6,319 |
| Loan and lease loss provision to assets | 1.2004% | 1,306 |
| Net operating income to assets | 1.1796% | 1,464 |
| Return on assets (ROA) | 1.2054% | 1,477 |
| Pretax return on assets | 1.7433% | 869 |
| Return on Equity (ROE) | 12.8110% | 1,143 |
| Retained earnings to average equity (ytd only) | 10.0386% | 517 |
| Net charge-offs to loans | 1.2529% | 1,794 |
| Credit loss provision to net charge-offs | 136.2609% | 2,826 |
| Earnings coverage of net charge-offs (x) | 3.2992% | 3,427 |
| Efficiency ratio | 44.3178% | 7,406 |
| Assets per employee ($millions) | 7.0656% | 724 |
| Cash dividends to net income (ytd only)* | 21.6404% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8426% | 2,710 |
| Loan loss allowance to noncurrent loans | 65.7162% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 2.6221% | 2,656 |
| Noncurrent loans to loans | 2.8039% | 2,721 |
| Net loans and leases to total assets | 67.8789% | 3,011 |
| Net loans and leases to deposits | 75.3486% | 3,951 |
| Net loans and leases to core deposits | 82.3762% | 3,845 |
| Total domestic deposits to total assets | 90.0864% | 1,044 |
| Equity capital to assets | 9.4861% | 4,422 |
| Core capital (leverage) ratio | 9.4665% | 3,745 |
| Tier 1 risk-based capital ratio | 14.1785% | 3,746 |
| Total risk-based capital ratio | 15.4373% | 3,703 |
| Memoranda: | ||
| Average total assets | $442,028,000 | 1,508 |
| Average earning assets | $416,542,800 | 1,452 |
| Average equity | $41,589,400 | 1,593 |
| Average total loans | $310,797,000 | 1,445 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7199% | 1,648 |
| Cost of funding earning assets | 0.8703% | 6,504 |
| Net interest margin | 4.8496% | 608 |
| Noninterest income to average assets | 0.8334% | 2,063 |
| Noninterest expense to average assets | 2.2168% | 6,564 |
| Loan and lease loss provision to assets | 1.1547% | 1,254 |
| Net operating income to assets | 1.4092% | 1,085 |
| Return on assets (ROA) | 1.4262% | 1,131 |
| Pretax return on assets | 2.0627% | 543 |
| Return on Equity (ROE) | 15.1901% | 826 |
| Retained earnings to average equity (ytd only) | 13.2998% | 318 |
| Net charge-offs to loans | 1.0058% | 1,998 |
| Credit loss provision to net charge-offs | 162.5801% | 2,316 |
| Earnings coverage of net charge-offs (x) | 4.4955% | 3,028 |
| Efficiency ratio | 40.9792% | 7,558 |
| Assets per employee ($millions) | 6.9149% | 797 |
| Cash dividends to net income (ytd only)* | 12.4442% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8300% | 2,690 |
| Loan loss allowance to noncurrent loans | 116.6499% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 1.8141% | 3,730 |
| Noncurrent loans to loans | 1.5688% | 4,287 |
| Net loans and leases to total assets | 69.4038% | 2,879 |
| Net loans and leases to deposits | 77.2477% | 3,968 |
| Net loans and leases to core deposits | 83.6945% | 3,994 |
| Total domestic deposits to total assets | 89.8458% | 951 |
| Equity capital to assets | 9.7471% | 4,475 |
| Core capital (leverage) ratio | 9.3319% | 4,161 |
| Tier 1 risk-based capital ratio | 13.8858% | 3,926 |
| Total risk-based capital ratio | 15.1442% | 3,889 |
| Memoranda: | ||
| Average total assets | $439,485,500 | 1,540 |
| Average earning assets | $414,706,000 | 1,482 |
| Average equity | $41,262,750 | 1,609 |
| Average total loans | $310,319,000 | 1,468 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7810% | 1,474 |
| Cost of funding earning assets | 0.9145% | 6,523 |
| Net interest margin | 4.8665% | 579 |
| Noninterest income to average assets | 1.0803% | 1,144 |
| Noninterest expense to average assets | 2.1777% | 6,701 |
| Loan and lease loss provision to assets | 1.1592% | 1,229 |
| Net operating income to assets | 1.5578% | 800 |
| Return on assets (ROA) | 1.5701% | 835 |
| Pretax return on assets | 2.3592% | 301 |
| Return on Equity (ROE) | 16.9448% | 575 |
| Retained earnings to average equity (ytd only) | 15.0741% | 240 |
| Net charge-offs to loans | 0.5977% | 2,733 |
| Credit loss provision to net charge-offs | 274.7826% | 1,357 |
| Earnings coverage of net charge-offs (x) | 8.2967% | 2,157 |
| Efficiency ratio | 38.3541% | 7,671 |
| Assets per employee ($millions) | 7.0057% | 769 |
| Cash dividends to net income (ytd only)* | 11.0397% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8682% | 2,511 |
| Loan loss allowance to noncurrent loans | 86.8513% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 1.8938% | 3,628 |
| Noncurrent loans to loans | 2.1510% | 3,526 |
| Net loans and leases to total assets | 68.7262% | 3,190 |
| Net loans and leases to deposits | 76.1206% | 4,316 |
| Net loans and leases to core deposits | 85.6936% | 3,875 |
| Total domestic deposits to total assets | 90.2859% | 777 |
| Equity capital to assets | 9.2487% | 5,079 |
| Core capital (leverage) ratio | 9.2069% | 4,289 |
| Tier 1 risk-based capital ratio | 13.5261% | 4,049 |
| Total risk-based capital ratio | 14.7851% | 4,009 |
| Memoranda: | ||
| Average total assets | $436,158,000 | 1,561 |
| Average earning assets | $412,043,000 | 1,504 |
| Average equity | $40,413,670 | 1,644 |
| Average total loans | $307,837,670 | 1,489 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3883% | 3,092 |
| Cost of funding earning assets | 0.9565% | 6,549 |
| Net interest margin | 4.4318% | 1,293 |
| Noninterest income to average assets | 1.8896% | 366 |
| Noninterest expense to average assets | 2.1521% | 6,800 |
| Loan and lease loss provision to assets | 0.7971% | 1,590 |
| Net operating income to assets | 2.1403% | 278 |
| Return on assets (ROA) | 2.1531% | 297 |
| Pretax return on assets | 3.1518% | 126 |
| Return on Equity (ROE) | 23.2139% | 219 |
| Retained earnings to average equity (ytd only) | 20.3526% | 186 |
| Net charge-offs to loans | 0.6470% | 2,209 |
| Credit loss provision to net charge-offs | 173.8241% | 2,090 |
| Earnings coverage of net charge-offs (x) | 8.5706% | 1,942 |
| Efficiency ratio | 35.3839% | 7,797 |
| Assets per employee ($millions) | 7.2730% | 728 |
| Cash dividends to net income (ytd only)* | 12.3258% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 3,923 |
| Loan loss allowance to noncurrent loans | 90.7008% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 1.5430% | 4,184 |
| Noncurrent loans to loans | 1.6514% | 4,272 |
| Net loans and leases to total assets | 68.7036% | 3,230 |
| Net loans and leases to deposits | 75.9502% | 4,426 |
| Net loans and leases to core deposits | 85.7570% | 3,937 |
| Total domestic deposits to total assets | 90.4588% | 756 |
| Equity capital to assets | 9.0083% | 5,270 |
| Core capital (leverage) ratio | 9.6531% | 3,576 |
| Tier 1 risk-based capital ratio | 13.0983% | 4,260 |
| Total risk-based capital ratio | 14.3521% | 4,229 |
| Memoranda: | ||
| Average total assets | $426,551,500 | 1,631 |
| Average earning assets | $403,538,000 | 1,576 |
| Average equity | $39,562,500 | 1,701 |
| Average total loans | $302,298,000 | 1,557 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8484% | 2,446 |
| Cost of funding earning assets | 1.4507% | 5,722 |
| Net interest margin | 4.3977% | 1,437 |
| Noninterest income to average assets | 0.3701% | 5,441 |
| Noninterest expense to average assets | 2.3237% | 6,678 |
| Loan and lease loss provision to assets | 0.4676% | 4,024 |
| Net operating income to assets | 1.1980% | 1,250 |
| Return on assets (ROA) | 1.2239% | 1,245 |
| Pretax return on assets | 1.7789% | 661 |
| Return on Equity (ROE) | 12.4421% | 1,063 |
| Retained earnings to average equity (ytd only) | 8.8697% | 515 |
| Net charge-offs to loans | 0.3400% | 4,526 |
| Credit loss provision to net charge-offs | 180.7851% | 2,292 |
| Earnings coverage of net charge-offs (x) | 8.5403% | 1,927 |
| Efficiency ratio | 51.2645% | 7,446 |
| Assets per employee ($millions) | 7.0557% | 778 |
| Cash dividends to net income (ytd only)* | 28.7118% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4996% | 3,734 |
| Loan loss allowance to noncurrent loans | 95.5204% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 1.3999% | 4,318 |
| Noncurrent loans to loans | 1.5699% | 4,296 |
| Net loans and leases to total assets | 71.0465% | 2,988 |
| Net loans and leases to deposits | 78.9738% | 4,176 |
| Net loans and leases to core deposits | 95.2821% | 4,541 |
| Total domestic deposits to total assets | 89.9621% | 980 |
| Equity capital to assets | 9.5739% | 4,315 |
| Core capital (leverage) ratio | 9.6198% | 3,565 |
| Tier 1 risk-based capital ratio | 12.8557% | 4,242 |
| Total risk-based capital ratio | 14.1088% | 4,193 |
| Memoranda: | ||
| Average total assets | $374,225,600 | 1,825 |
| Average earning assets | $354,234,600 | 1,766 |
| Average equity | $36,810,600 | 1,829 |
| Average total loans | $284,669,200 | 1,688 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9348% | 2,300 |
| Cost of funding earning assets | 1.5645% | 5,572 |
| Net interest margin | 4.3703% | 1,526 |
| Noninterest income to average assets | 0.4037% | 5,247 |
| Noninterest expense to average assets | 2.3134% | 6,663 |
| Loan and lease loss provision to assets | 0.4175% | 3,819 |
| Net operating income to assets | 1.2159% | 1,426 |
| Return on assets (ROA) | 1.2417% | 1,433 |
| Pretax return on assets | 1.8473% | 731 |
| Return on Equity (ROE) | 12.5316% | 1,228 |
| Retained earnings to average equity (ytd only) | 10.1168% | 621 |
| Net charge-offs to loans | 0.3854% | 3,722 |
| Credit loss provision to net charge-offs | 140.4151% | 3,499 |
| Earnings coverage of net charge-offs (x) | 7.4872% | 2,396 |
| Efficiency ratio | 50.9597% | 7,489 |
| Assets per employee ($millions) | 7.0234% | 787 |
| Cash dividends to net income (ytd only)* | 19.2689% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3723% | 4,102 |
| Loan loss allowance to noncurrent loans | 64.6708% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 1.7780% | 3,688 |
| Noncurrent loans to loans | 2.1220% | 3,483 |
| Net loans and leases to total assets | 71.2479% | 3,211 |
| Net loans and leases to deposits | 79.4318% | 4,490 |
| Net loans and leases to core deposits | 95.3980% | 4,880 |
| Total domestic deposits to total assets | 89.6970% | 891 |
| Equity capital to assets | 9.6926% | 4,509 |
| Core capital (leverage) ratio | 9.6545% | 3,709 |
| Tier 1 risk-based capital ratio | 12.8174% | 4,310 |
| Total risk-based capital ratio | 14.0688% | 4,251 |
| Memoranda: | ||
| Average total assets | $367,238,000 | 1,866 |
| Average earning assets | $347,545,500 | 1,809 |
| Average equity | $36,387,250 | 1,872 |
| Average total loans | $283,316,000 | 1,716 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0570% | 1,956 |
| Cost of funding earning assets | 1.6729% | 5,400 |
| Net interest margin | 4.3841% | 1,442 |
| Noninterest income to average assets | 0.4066% | 5,227 |
| Noninterest expense to average assets | 2.3891% | 6,498 |
| Loan and lease loss provision to assets | 0.3905% | 3,575 |
| Net operating income to assets | 1.1830% | 1,526 |
| Return on assets (ROA) | 1.2132% | 1,525 |
| Pretax return on assets | 1.8106% | 832 |
| Return on Equity (ROE) | 12.1478% | 1,369 |
| Retained earnings to average equity (ytd only) | 9.2882% | 863 |
| Net charge-offs to loans | 0.3568% | 3,398 |
| Credit loss provision to net charge-offs | 138.6139% | 3,373 |
| Earnings coverage of net charge-offs (x) | 7.6535% | 2,412 |
| Efficiency ratio | 52.5650% | 7,472 |
| Assets per employee ($millions) | 6.5221% | 956 |
| Cash dividends to net income (ytd only)* | 23.5402% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3349% | 4,072 |
| Loan loss allowance to noncurrent loans | 273.6727% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.4827% | 6,233 |
| Noncurrent loans to loans | 0.4878% | 6,303 |
| Net loans and leases to total assets | 73.5223% | 2,835 |
| Net loans and leases to deposits | 81.8206% | 4,254 |
| Net loans and leases to core deposits | 96.3814% | 4,859 |
| Total domestic deposits to total assets | 89.8579% | 887 |
| Equity capital to assets | 9.6541% | 4,421 |
| Core capital (leverage) ratio | 9.9119% | 3,388 |
| Tier 1 risk-based capital ratio | 12.5409% | 4,495 |
| Total risk-based capital ratio | 13.7918% | 4,412 |
| Memoranda: | ||
| Average total assets | $358,547,000 | 1,936 |
| Average earning assets | $338,453,330 | 1,875 |
| Average equity | $35,809,000 | 1,901 |
| Average total loans | $283,046,330 | 1,748 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2726% | 1,379 |
| Cost of funding earning assets | 1.7136% | 5,544 |
| Net interest margin | 4.5590% | 1,019 |
| Noninterest income to average assets | 0.3958% | 5,244 |
| Noninterest expense to average assets | 2.3621% | 6,335 |
| Loan and lease loss provision to assets | 0.3442% | 3,263 |
| Net operating income to assets | 1.3680% | 1,213 |
| Return on assets (ROA) | 1.4042% | 1,216 |
| Pretax return on assets | 2.0202% | 644 |
| Return on Equity (ROE) | 13.8096% | 1,202 |
| Retained earnings to average equity (ytd only) | 12.7829% | 669 |
| Net charge-offs to loans | 0.1128% | 4,065 |
| Credit loss provision to net charge-offs | 375.0000% | 1,366 |
| Earnings coverage of net charge-offs (x) | 25.2000% | 1,213 |
| Efficiency ratio | 50.5276% | 7,547 |
| Assets per employee ($millions) | 6.4739% | 976 |
| Cash dividends to net income (ytd only)* | 7.4346% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 3,942 |
| Loan loss allowance to noncurrent loans | 261.2414% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.5244% | 5,905 |
| Noncurrent loans to loans | 0.5066% | 6,160 |
| Net loans and leases to total assets | 77.9049% | 1,844 |
| Net loans and leases to deposits | 87.0302% | 3,467 |
| Net loans and leases to core deposits | 101.6864% | 4,380 |
| Total domestic deposits to total assets | 89.5147% | 997 |
| Equity capital to assets | 9.9524% | 4,050 |
| Core capital (leverage) ratio | 10.4588% | 2,972 |
| Tier 1 risk-based capital ratio | 12.1695% | 4,812 |
| Total risk-based capital ratio | 13.4205% | 4,706 |
| Memoranda: | ||
| Average total assets | $348,678,500 | 1,993 |
| Average earning assets | $327,263,500 | 1,934 |
| Average equity | $35,453,500 | 1,929 |
| Average total loans | $283,626,500 | 1,754 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0343% | 1,045 |
| Cost of funding earning assets | 2.1631% | 5,768 |
| Net interest margin | 4.8712% | 669 |
| Noninterest income to average assets | 0.3612% | 5,829 |
| Noninterest expense to average assets | 2.4991% | 6,011 |
| Loan and lease loss provision to assets | 0.3172% | 3,843 |
| Net operating income to assets | 1.4340% | 1,160 |
| Return on assets (ROA) | 1.4379% | 1,108 |
| Pretax return on assets | 2.1160% | 472 |
| Return on Equity (ROE) | 14.0367% | 1,096 |
| Retained earnings to average equity (ytd only) | 12.2460% | 213 |
| Net charge-offs to loans | 0.1074% | 5,216 |
| Credit loss provision to net charge-offs | 350.6944% | 1,287 |
| Earnings coverage of net charge-offs (x) | 26.8368% | 1,267 |
| Efficiency ratio | 50.7268% | 7,611 |
| Assets per employee ($millions) | 6.0876% | 1,093 |
| Cash dividends to net income (ytd only)* | 12.7567% | 4,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 3,991 |
| Loan loss allowance to noncurrent loans | 176.1975% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.7395% | 5,005 |
| Noncurrent loans to loans | 0.7206% | 5,231 |
| Net loans and leases to total assets | 82.8693% | 1,065 |
| Net loans and leases to deposits | 92.9839% | 2,957 |
| Net loans and leases to core deposits | 105.8264% | 4,213 |
| Total domestic deposits to total assets | 89.1222% | 995 |
| Equity capital to assets | 10.4014% | 3,608 |
| Core capital (leverage) ratio | 10.3270% | 3,150 |
| Tier 1 risk-based capital ratio | 12.0455% | 4,787 |
| Total risk-based capital ratio | 13.2958% | 4,668 |
| Memoranda: | ||
| Average total assets | $318,391,000 | 2,102 |
| Average earning assets | $298,408,600 | 2,050 |
| Average equity | $32,614,600 | 2,077 |
| Average total loans | $268,155,000 | 1,782 |