Home > Venture Bank > Performance and Condition Ratios
Venture Bank, Performance and Condition Ratios
| 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 | 5.1434% | 612 |
| Cost of funding earning assets | 0.6204% | 2,105 |
| Net interest margin | 4.5230% | 665 |
| Noninterest income to average assets | 0.6480% | 2,099 |
| Noninterest expense to average assets | 2.5466% | 3,494 |
| Loan and lease loss provision to assets | 0.0342% | 3,233 |
| Net operating income to assets | 2.4324% | 167 |
| Return on assets (ROA) | 2.4324% | 164 |
| Pretax return on assets | 2.4337% | 253 |
| Return on Equity (ROE) | 25.5420% | 74 |
| Retained earnings to average equity (ytd only) | 14.7310% | 219 |
| Net charge-offs to loans | -0.0248% | 4,663 |
| Credit loss provision to net charge-offs | -158.2278% | 4,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7838% | 4,976 |
| Assets per employee ($millions) | 6.7954% | 1,018 |
| Cash dividends to net income (ytd only)* | 42.3263% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 2,844 |
| Loan loss allowance to noncurrent loans | 691.2727% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 4,238 |
| Noncurrent loans to loans | 0.1704% | 4,144 |
| Net loans and leases to total assets | 86.9305% | 201 |
| Net loans and leases to deposits | 98.6092% | 919 |
| Net loans and leases to core deposits | 133.4984% | 270 |
| Total domestic deposits to total assets | 88.1565% | 1,300 |
| Equity capital to assets | 9.8467% | 3,775 |
| Core capital (leverage) ratio | 9.6977% | 3,888 |
| Tier 1 risk-based capital ratio | 10.4877% | 5,273 |
| Total risk-based capital ratio | 11.5966% | 5,237 |
| Memoranda: | ||
| Average total assets | $730,233,330 | 1,019 |
| Average earning assets | $704,982,000 | 982 |
| Average equity | $69,540,330 | 1,168 |
| Average total loans | $638,293,000 | 853 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9678% | 744 |
| Cost of funding earning assets | 0.5654% | 2,279 |
| Net interest margin | 4.4024% | 767 |
| Noninterest income to average assets | 0.5524% | 2,510 |
| Noninterest expense to average assets | 2.6117% | 3,305 |
| Loan and lease loss provision to assets | 0.0412% | 2,933 |
| Net operating income to assets | 2.1532% | 266 |
| Return on assets (ROA) | 2.1532% | 268 |
| Pretax return on assets | 2.1543% | 411 |
| Return on Equity (ROE) | 23.0045% | 130 |
| Retained earnings to average equity (ytd only) | 13.2653% | 487 |
| Net charge-offs to loans | -0.0170% | 4,473 |
| Credit loss provision to net charge-offs | -277.7778% | 3,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3294% | 4,765 |
| Assets per employee ($millions) | 6.3843% | 1,263 |
| Cash dividends to net income (ytd only)* | 42.3361% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 3,016 |
| Loan loss allowance to noncurrent loans | 1,843.2432% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 4,817 |
| Noncurrent loans to loans | 0.0631% | 4,697 |
| Net loans and leases to total assets | 87.5433% | 158 |
| Net loans and leases to deposits | 99.8622% | 717 |
| Net loans and leases to core deposits | 127.6967% | 382 |
| Total domestic deposits to total assets | 87.6641% | 1,808 |
| Equity capital to assets | 9.5291% | 4,065 |
| Core capital (leverage) ratio | 9.5588% | 4,002 |
| Tier 1 risk-based capital ratio | 9.8672% | 5,524 |
| Total risk-based capital ratio | 10.9392% | 5,522 |
| Memoranda: | ||
| Average total assets | $728,401,000 | 1,034 |
| Average earning assets | $703,980,500 | 989 |
| Average equity | $68,178,000 | 1,194 |
| Average total loans | $634,647,000 | 860 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8535% | 885 |
| Cost of funding earning assets | 0.4482% | 2,792 |
| Net interest margin | 4.4053% | 755 |
| Noninterest income to average assets | 0.7455% | 1,788 |
| Noninterest expense to average assets | 2.6262% | 3,364 |
| Loan and lease loss provision to assets | -0.1008% | 5,481 |
| Net operating income to assets | 2.4686% | 123 |
| Return on assets (ROA) | 2.4686% | 122 |
| Pretax return on assets | 2.4700% | 186 |
| Return on Equity (ROE) | 26.8848% | 53 |
| Retained earnings to average equity (ytd only) | 9.1963% | 472 |
| Net charge-offs to loans | 0.0398% | 3,002 |
| Credit loss provision to net charge-offs | -292.5620% | 4,864 |
| Earnings coverage of net charge-offs (x) | 68.7645% | 866 |
| Efficiency ratio | 52.5722% | 5,067 |
| Assets per employee ($millions) | 6.2307% | 1,363 |
| Cash dividends to net income (ytd only)* | 65.7939% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 2,869 |
| Loan loss allowance to noncurrent loans | 2,120.3438% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 4,899 |
| Noncurrent loans to loans | 0.0559% | 4,746 |
| Net loans and leases to total assets | 84.6708% | 375 |
| Net loans and leases to deposits | 94.1575% | 1,253 |
| Net loans and leases to core deposits | 119.0563% | 616 |
| Total domestic deposits to total assets | 89.9246% | 596 |
| Equity capital to assets | 9.1910% | 4,538 |
| Core capital (leverage) ratio | 9.0209% | 4,626 |
| Tier 1 risk-based capital ratio | 9.9970% | 5,536 |
| Total risk-based capital ratio | 11.1030% | 5,523 |
| Memoranda: | ||
| Average total assets | $702,388,200 | 1,039 |
| Average earning assets | $677,613,600 | 999 |
| Average equity | $64,493,600 | 1,229 |
| Average total loans | $608,312,600 | 857 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8126% | 907 |
| Cost of funding earning assets | 0.4279% | 2,899 |
| Net interest margin | 4.3846% | 750 |
| Noninterest income to average assets | 0.7204% | 1,907 |
| Noninterest expense to average assets | 2.5724% | 3,495 |
| Loan and lease loss provision to assets | -0.0958% | 5,579 |
| Net operating income to assets | 2.4698% | 139 |
| Return on assets (ROA) | 2.4698% | 141 |
| Pretax return on assets | 2.4712% | 215 |
| Return on Equity (ROE) | 26.9055% | 51 |
| Retained earnings to average equity (ytd only) | 13.0811% | 216 |
| Net charge-offs to loans | 0.0190% | 3,112 |
| Credit loss provision to net charge-offs | -581.3953% | 4,838 |
| Earnings coverage of net charge-offs (x) | 144.1327% | 556 |
| Efficiency ratio | 51.9909% | 5,098 |
| Assets per employee ($millions) | 6.3465% | 1,278 |
| Cash dividends to net income (ytd only)* | 51.3811% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 2,639 |
| Loan loss allowance to noncurrent loans | 1,884.4660% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 4,958 |
| Noncurrent loans to loans | 0.0664% | 4,811 |
| Net loans and leases to total assets | 83.2458% | 521 |
| Net loans and leases to deposits | 92.7730% | 1,446 |
| Net loans and leases to core deposits | 116.1813% | 743 |
| Total domestic deposits to total assets | 89.7307% | 562 |
| Equity capital to assets | 9.2017% | 4,728 |
| Core capital (leverage) ratio | 9.3724% | 4,322 |
| Tier 1 risk-based capital ratio | 10.0820% | 5,581 |
| Total risk-based capital ratio | 11.2461% | 5,561 |
| Memoranda: | ||
| Average total assets | $695,737,000 | 1,056 |
| Average earning assets | $670,778,250 | 1,020 |
| Average equity | $63,866,500 | 1,245 |
| Average total loans | $604,229,750 | 870 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7469% | 972 |
| Cost of funding earning assets | 0.3929% | 3,139 |
| Net interest margin | 4.3540% | 759 |
| Noninterest income to average assets | 0.7056% | 1,958 |
| Noninterest expense to average assets | 2.5712% | 3,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.3273% | 167 |
| Return on assets (ROA) | 2.3273% | 165 |
| Pretax return on assets | 2.3288% | 280 |
| Return on Equity (ROE) | 25.3745% | 72 |
| Retained earnings to average equity (ytd only) | 12.3437% | 289 |
| Net charge-offs to loans | 0.0297% | 2,612 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 89.2584% | 703 |
| Efficiency ratio | 52.4738% | 5,138 |
| Assets per employee ($millions) | 6.1762% | 1,336 |
| Cash dividends to net income (ytd only)* | 51.3541% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 2,325 |
| Loan loss allowance to noncurrent loans | 1,092.7249% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 4,771 |
| Noncurrent loans to loans | 0.1205% | 4,636 |
| Net loans and leases to total assets | 87.1357% | 191 |
| Net loans and leases to deposits | 99.6963% | 761 |
| Net loans and leases to core deposits | 125.7383% | 403 |
| Total domestic deposits to total assets | 87.4011% | 1,761 |
| Equity capital to assets | 9.2205% | 4,705 |
| Core capital (leverage) ratio | 9.4622% | 4,168 |
| Tier 1 risk-based capital ratio | 9.6920% | 5,683 |
| Total risk-based capital ratio | 10.9267% | 5,661 |
| Memoranda: | ||
| Average total assets | $682,252,330 | 1,075 |
| Average earning assets | $657,234,000 | 1,033 |
| Average equity | $62,574,670 | 1,272 |
| Average total loans | $598,769,000 | 881 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6252% | 1,079 |
| Cost of funding earning assets | 0.3739% | 3,262 |
| Net interest margin | 4.2512% | 883 |
| Noninterest income to average assets | 0.7315% | 1,818 |
| Noninterest expense to average assets | 2.6583% | 3,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.1687% | 236 |
| Return on assets (ROA) | 2.1687% | 243 |
| Pretax return on assets | 2.1699% | 369 |
| Return on Equity (ROE) | 23.7119% | 110 |
| Retained earnings to average equity (ytd only) | 11.5385% | 526 |
| Net charge-offs to loans | -0.0041% | 4,129 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0583% | 5,037 |
| Assets per employee ($millions) | 6.1188% | 1,412 |
| Cash dividends to net income (ytd only)* | 51.3387% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 1,980 |
| Loan loss allowance to noncurrent loans | 1,573.6347% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 4,956 |
| Noncurrent loans to loans | 0.0904% | 4,833 |
| Net loans and leases to total assets | 85.9877% | 223 |
| Net loans and leases to deposits | 95.4296% | 976 |
| Net loans and leases to core deposits | 118.6112% | 500 |
| Total domestic deposits to total assets | 90.1059% | 615 |
| Equity capital to assets | 9.2286% | 4,589 |
| Core capital (leverage) ratio | 9.4234% | 4,209 |
| Tier 1 risk-based capital ratio | 9.8168% | 5,732 |
| Total risk-based capital ratio | 11.0676% | 5,713 |
| Memoranda: | ||
| Average total assets | $668,245,500 | 1,098 |
| Average earning assets | $643,954,500 | 1,055 |
| Average equity | $61,117,000 | 1,301 |
| Average total loans | $584,575,500 | 897 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7984% | 892 |
| Cost of funding earning assets | 0.3390% | 3,642 |
| Net interest margin | 4.4594% | 673 |
| Noninterest income to average assets | 0.8508% | 1,575 |
| Noninterest expense to average assets | 2.7575% | 3,166 |
| Loan and lease loss provision to assets | 0.1945% | 1,199 |
| Net operating income to assets | 2.1900% | 231 |
| Return on assets (ROA) | 2.1930% | 240 |
| Pretax return on assets | 2.1947% | 329 |
| Return on Equity (ROE) | 22.8301% | 123 |
| Retained earnings to average equity (ytd only) | 11.1057% | 295 |
| Net charge-offs to loans | -0.0163% | 5,068 |
| Credit loss provision to net charge-offs | -1,370.5882% | 5,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6103% | 5,271 |
| Assets per employee ($millions) | 6.0311% | 1,459 |
| Cash dividends to net income (ytd only)* | 51.3548% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4346% | 1,939 |
| Loan loss allowance to noncurrent loans | 1,518.1818% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 5,011 |
| Noncurrent loans to loans | 0.0945% | 4,861 |
| Net loans and leases to total assets | 86.4741% | 211 |
| Net loans and leases to deposits | 101.6680% | 558 |
| Net loans and leases to core deposits | 128.6044% | 303 |
| Total domestic deposits to total assets | 85.0554% | 3,020 |
| Equity capital to assets | 9.0619% | 4,752 |
| Core capital (leverage) ratio | 9.5794% | 3,993 |
| Tier 1 risk-based capital ratio | 9.6320% | 5,804 |
| Total risk-based capital ratio | 10.8830% | 5,787 |
| Memoranda: | ||
| Average total assets | $599,092,200 | 1,166 |
| Average earning assets | $576,709,400 | 1,127 |
| Average equity | $57,546,800 | 1,333 |
| Average total loans | $522,755,000 | 938 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8581% | 797 |
| Cost of funding earning assets | 0.3453% | 3,588 |
| Net interest margin | 4.5128% | 611 |
| Noninterest income to average assets | 0.8375% | 1,616 |
| Noninterest expense to average assets | 2.7695% | 3,116 |
| Loan and lease loss provision to assets | 0.2001% | 1,055 |
| Net operating income to assets | 2.2089% | 242 |
| Return on assets (ROA) | 2.2089% | 253 |
| Pretax return on assets | 2.2105% | 380 |
| Return on Equity (ROE) | 22.6318% | 139 |
| Retained earnings to average equity (ytd only) | 11.0101% | 427 |
| Net charge-offs to loans | -0.0207% | 5,014 |
| Credit loss provision to net charge-offs | -1,107.5949% | 5,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4634% | 5,274 |
| Assets per employee ($millions) | 5.7720% | 1,597 |
| Cash dividends to net income (ytd only)* | 51.3511% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 1,761 |
| Loan loss allowance to noncurrent loans | 1,360.4730% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 5,053 |
| Noncurrent loans to loans | 0.1104% | 4,898 |
| Net loans and leases to total assets | 86.3214% | 233 |
| Net loans and leases to deposits | 96.8723% | 964 |
| Net loans and leases to core deposits | 119.8841% | 509 |
| Total domestic deposits to total assets | 89.1084% | 849 |
| Equity capital to assets | 9.7249% | 4,445 |
| Core capital (leverage) ratio | 9.7452% | 3,878 |
| Tier 1 risk-based capital ratio | 10.1163% | 5,755 |
| Total risk-based capital ratio | 11.3680% | 5,700 |
| Memoranda: | ||
| Average total assets | $583,009,500 | 1,201 |
| Average earning assets | $561,031,750 | 1,154 |
| Average equity | $56,903,750 | 1,356 |
| Average total loans | $507,934,000 | 964 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8786% | 758 |
| Cost of funding earning assets | 0.3510% | 3,557 |
| Net interest margin | 4.5277% | 578 |
| Noninterest income to average assets | 0.8650% | 1,494 |
| Noninterest expense to average assets | 2.7928% | 3,053 |
| Loan and lease loss provision to assets | 0.2529% | 762 |
| Net operating income to assets | 2.1685% | 240 |
| Return on assets (ROA) | 2.1685% | 254 |
| Pretax return on assets | 2.1702% | 403 |
| Return on Equity (ROE) | 22.1884% | 150 |
| Retained earnings to average equity (ytd only) | 10.7855% | 466 |
| Net charge-offs to loans | -0.0297% | 5,118 |
| Credit loss provision to net charge-offs | -979.7297% | 5,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5442% | 5,346 |
| Assets per employee ($millions) | 5.4467% | 1,848 |
| Cash dividends to net income (ytd only)* | 51.3913% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5333% | 1,742 |
| Loan loss allowance to noncurrent loans | 1,163.3284% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 5,050 |
| Noncurrent loans to loans | 0.1318% | 4,911 |
| Net loans and leases to total assets | 86.2320% | 236 |
| Net loans and leases to deposits | 96.9930% | 963 |
| Net loans and leases to core deposits | 122.8193% | 441 |
| Total domestic deposits to total assets | 88.9054% | 958 |
| Equity capital to assets | 9.8395% | 4,400 |
| Core capital (leverage) ratio | 9.7651% | 3,847 |
| Tier 1 risk-based capital ratio | 10.3071% | 5,758 |
| Total risk-based capital ratio | 11.5593% | 5,671 |
| Memoranda: | ||
| Average total assets | $573,402,330 | 1,223 |
| Average earning assets | $551,013,670 | 1,177 |
| Average equity | $56,038,330 | 1,378 |
| Average total loans | $498,513,670 | 982 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8507% | 765 |
| Cost of funding earning assets | 0.3373% | 3,753 |
| Net interest margin | 4.5133% | 593 |
| Noninterest income to average assets | 0.8551% | 1,432 |
| Noninterest expense to average assets | 2.7895% | 3,111 |
| Loan and lease loss provision to assets | 0.2297% | 806 |
| Net operating income to assets | 2.1760% | 237 |
| Return on assets (ROA) | 2.1760% | 250 |
| Pretax return on assets | 2.1760% | 398 |
| Return on Equity (ROE) | 22.3450% | 148 |
| Retained earnings to average equity (ytd only) | 10.8713% | 670 |
| Net charge-offs to loans | -0.0359% | 5,152 |
| Credit loss provision to net charge-offs | -738.6364% | 4,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6934% | 5,411 |
| Assets per employee ($millions) | 5.5555% | 1,789 |
| Cash dividends to net income (ytd only)* | 51.3478% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 1,985 |
| Loan loss allowance to noncurrent loans | 1,071.5925% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 5,094 |
| Noncurrent loans to loans | 0.1400% | 4,918 |
| Net loans and leases to total assets | 85.6921% | 242 |
| Net loans and leases to deposits | 95.8173% | 959 |
| Net loans and leases to core deposits | 119.8944% | 469 |
| Total domestic deposits to total assets | 89.4328% | 869 |
| Equity capital to assets | 9.8012% | 4,338 |
| Core capital (leverage) ratio | 9.8211% | 3,748 |
| Tier 1 risk-based capital ratio | 10.4788% | 5,760 |
| Total risk-based capital ratio | 11.7308% | 5,672 |
| Memoranda: | ||
| Average total assets | $565,983,500 | 1,244 |
| Average earning assets | $544,252,500 | 1,193 |
| Average equity | $55,117,500 | 1,400 |
| Average total loans | $490,195,500 | 995 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9157% | 739 |
| Cost of funding earning assets | 0.3537% | 3,665 |
| Net interest margin | 4.5620% | 593 |
| Noninterest income to average assets | 0.9875% | 1,210 |
| Noninterest expense to average assets | 2.8616% | 2,989 |
| Loan and lease loss provision to assets | 0.2012% | 1,064 |
| Net operating income to assets | 2.3166% | 199 |
| Return on assets (ROA) | 2.3186% | 207 |
| Pretax return on assets | 2.3203% | 285 |
| Return on Equity (ROE) | 24.6961% | 108 |
| Retained earnings to average equity (ytd only) | 12.0054% | 249 |
| Net charge-offs to loans | 0.1576% | 1,801 |
| Credit loss provision to net charge-offs | 149.2958% | 1,781 |
| Earnings coverage of net charge-offs (x) | 18.6972% | 1,996 |
| Efficiency ratio | 53.1796% | 5,576 |
| Assets per employee ($millions) | 5.5975% | 1,701 |
| Cash dividends to net income (ytd only)* | 51.3874% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4713% | 2,126 |
| Loan loss allowance to noncurrent loans | 781.9383% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.1622% | 4,960 |
| Noncurrent loans to loans | 0.1882% | 4,730 |
| Net loans and leases to total assets | 84.9446% | 316 |
| Net loans and leases to deposits | 94.9642% | 1,118 |
| Net loans and leases to core deposits | 121.3223% | 444 |
| Total domestic deposits to total assets | 89.4491% | 888 |
| Equity capital to assets | 9.6741% | 4,336 |
| Core capital (leverage) ratio | 9.7180% | 3,883 |
| Tier 1 risk-based capital ratio | 10.3684% | 5,834 |
| Total risk-based capital ratio | 11.6198% | 5,755 |
| Memoranda: | ||
| Average total assets | $526,903,800 | 1,284 |
| Average earning assets | $507,452,000 | 1,231 |
| Average equity | $49,469,400 | 1,506 |
| Average total loans | $450,419,600 | 1,023 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9038% | 761 |
| Cost of funding earning assets | 0.3508% | 3,746 |
| Net interest margin | 4.5530% | 586 |
| Noninterest income to average assets | 0.9524% | 1,309 |
| Noninterest expense to average assets | 2.8060% | 3,163 |
| Loan and lease loss provision to assets | 0.1671% | 1,263 |
| Net operating income to assets | 2.3649% | 197 |
| Return on assets (ROA) | 2.3669% | 206 |
| Pretax return on assets | 2.3687% | 301 |
| Return on Equity (ROE) | 25.4188% | 110 |
| Retained earnings to average equity (ytd only) | 12.3561% | 329 |
| Net charge-offs to loans | 0.2149% | 1,214 |
| Credit loss provision to net charge-offs | 91.1641% | 2,457 |
| Earnings coverage of net charge-offs (x) | 13.8247% | 2,289 |
| Efficiency ratio | 52.5490% | 5,613 |
| Assets per employee ($millions) | 5.5465% | 1,743 |
| Cash dividends to net income (ytd only)* | 51.3901% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 2,492 |
| Loan loss allowance to noncurrent loans | 1,051.4151% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 4,753 |
| Noncurrent loans to loans | 0.1353% | 5,092 |
| Net loans and leases to total assets | 84.3821% | 358 |
| Net loans and leases to deposits | 94.2680% | 1,175 |
| Net loans and leases to core deposits | 113.1306% | 704 |
| Total domestic deposits to total assets | 89.5130% | 769 |
| Equity capital to assets | 9.6398% | 4,588 |
| Core capital (leverage) ratio | 9.6698% | 4,078 |
| Tier 1 risk-based capital ratio | 10.3929% | 5,924 |
| Total risk-based capital ratio | 11.6439% | 5,859 |
| Memoranda: | ||
| Average total assets | $518,692,000 | 1,304 |
| Average earning assets | $499,822,000 | 1,254 |
| Average equity | $48,299,000 | 1,552 |
| Average total loans | $442,380,000 | 1,041 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9375% | 673 |
| Cost of funding earning assets | 0.3483% | 3,825 |
| Net interest margin | 4.5892% | 539 |
| Noninterest income to average assets | 1.0772% | 1,032 |
| Noninterest expense to average assets | 2.8205% | 3,160 |
| Loan and lease loss provision to assets | 0.1770% | 1,167 |
| Net operating income to assets | 2.4922% | 166 |
| Return on assets (ROA) | 2.4953% | 175 |
| Pretax return on assets | 2.4973% | 253 |
| Return on Equity (ROE) | 27.1419% | 87 |
| Retained earnings to average equity (ytd only) | 13.1924% | 294 |
| Net charge-offs to loans | 0.3352% | 782 |
| Credit loss provision to net charge-offs | 61.9835% | 2,570 |
| Earnings coverage of net charge-offs (x) | 9.3554% | 2,460 |
| Efficiency ratio | 51.3606% | 5,762 |
| Assets per employee ($millions) | 5.3564% | 1,875 |
| Cash dividends to net income (ytd only)* | 51.3948% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 2,483 |
| Loan loss allowance to noncurrent loans | 856.3492% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.2873% | 4,727 |
| Noncurrent loans to loans | 0.1699% | 5,088 |
| Net loans and leases to total assets | 83.5335% | 411 |
| Net loans and leases to deposits | 93.4301% | 1,207 |
| Net loans and leases to core deposits | 112.4498% | 728 |
| Total domestic deposits to total assets | 89.4074% | 947 |
| Equity capital to assets | 9.7623% | 4,327 |
| Core capital (leverage) ratio | 9.6158% | 4,117 |
| Tier 1 risk-based capital ratio | 10.8218% | 5,792 |
| Total risk-based capital ratio | 12.0732% | 5,731 |
| Memoranda: | ||
| Average total assets | $508,553,670 | 1,336 |
| Average earning assets | $489,196,330 | 1,295 |
| Average equity | $46,754,330 | 1,594 |
| Average total loans | $433,161,670 | 1,059 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9164% | 675 |
| Cost of funding earning assets | 0.3389% | 3,995 |
| Net interest margin | 4.5776% | 526 |
| Noninterest income to average assets | 1.2775% | 703 |
| Noninterest expense to average assets | 2.7979% | 3,258 |
| Loan and lease loss provision to assets | 0.2798% | 545 |
| Net operating income to assets | 2.5949% | 129 |
| Return on assets (ROA) | 2.5949% | 139 |
| Pretax return on assets | 2.5949% | 208 |
| Return on Equity (ROE) | 29.1716% | 64 |
| Retained earnings to average equity (ytd only) | 14.1904% | 343 |
| Net charge-offs to loans | 0.6216% | 392 |
| Credit loss provision to net charge-offs | 52.7108% | 2,075 |
| Earnings coverage of net charge-offs (x) | 5.4157% | 2,392 |
| Efficiency ratio | 49.3236% | 5,960 |
| Assets per employee ($millions) | 5.3378% | 1,957 |
| Cash dividends to net income (ytd only)* | 51.3555% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4893% | 2,488 |
| Loan loss allowance to noncurrent loans | 769.8565% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.5563% | 3,812 |
| Noncurrent loans to loans | 0.1934% | 5,088 |
| Net loans and leases to total assets | 83.9536% | 311 |
| Net loans and leases to deposits | 93.3486% | 1,050 |
| Net loans and leases to core deposits | 112.9976% | 609 |
| Total domestic deposits to total assets | 89.9356% | 773 |
| Equity capital to assets | 9.2044% | 5,082 |
| Core capital (leverage) ratio | 9.1654% | 4,769 |
| Tier 1 risk-based capital ratio | 10.1594% | 6,123 |
| Total risk-based capital ratio | 11.4114% | 6,066 |
| Memoranda: | ||
| Average total assets | $500,368,000 | 1,359 |
| Average earning assets | $480,428,000 | 1,313 |
| Average equity | $44,509,000 | 1,679 |
| Average total loans | $427,261,500 | 1,072 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0163% | 745 |
| Cost of funding earning assets | 0.3655% | 4,077 |
| Net interest margin | 4.6508% | 566 |
| Noninterest income to average assets | 0.9619% | 1,314 |
| Noninterest expense to average assets | 2.9573% | 2,978 |
| Loan and lease loss provision to assets | 0.1537% | 1,711 |
| Net operating income to assets | 2.2825% | 192 |
| Return on assets (ROA) | 2.2825% | 197 |
| Pretax return on assets | 2.2856% | 268 |
| Return on Equity (ROE) | 27.4934% | 76 |
| Retained earnings to average equity (ytd only) | 13.3560% | 207 |
| Net charge-offs to loans | 0.1060% | 2,997 |
| Credit loss provision to net charge-offs | 172.6392% | 1,404 |
| Earnings coverage of net charge-offs (x) | 27.4044% | 1,433 |
| Efficiency ratio | 54.8003% | 5,780 |
| Assets per employee ($millions) | 5.6096% | 1,685 |
| Cash dividends to net income (ytd only)* | 51.4210% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5981% | 2,096 |
| Loan loss allowance to noncurrent loans | 342.9878% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.6482% | 3,627 |
| Noncurrent loans to loans | 0.4659% | 4,256 |
| Net loans and leases to total assets | 84.1932% | 329 |
| Net loans and leases to deposits | 96.6284% | 859 |
| Net loans and leases to core deposits | 113.6834% | 617 |
| Total domestic deposits to total assets | 87.1310% | 2,208 |
| Equity capital to assets | 8.5777% | 5,661 |
| Core capital (leverage) ratio | 8.1032% | 5,930 |
| Tier 1 risk-based capital ratio | 9.8037% | 6,304 |
| Total risk-based capital ratio | 11.0577% | 6,269 |
| Memoranda: | ||
| Average total assets | $463,998,600 | 1,441 |
| Average earning assets | $442,441,400 | 1,380 |
| Average equity | $38,522,000 | 1,833 |
| Average total loans | $389,677,000 | 1,135 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0372% | 722 |
| Cost of funding earning assets | 0.3645% | 4,190 |
| Net interest margin | 4.6727% | 531 |
| Noninterest income to average assets | 1.0247% | 1,175 |
| Noninterest expense to average assets | 2.8179% | 3,392 |
| Loan and lease loss provision to assets | 0.2190% | 1,045 |
| Net operating income to assets | 2.4322% | 160 |
| Return on assets (ROA) | 2.4322% | 159 |
| Pretax return on assets | 2.4354% | 240 |
| Return on Equity (ROE) | 29.5609% | 63 |
| Retained earnings to average equity (ytd only) | 14.3173% | 234 |
| Net charge-offs to loans | 0.1332% | 2,459 |
| Credit loss provision to net charge-offs | 196.8504% | 1,286 |
| Earnings coverage of net charge-offs (x) | 23.8581% | 1,567 |
| Efficiency ratio | 51.4941% | 6,025 |
| Assets per employee ($millions) | 6.0738% | 1,281 |
| Cash dividends to net income (ytd only)* | 51.5668% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7141% | 1,922 |
| Loan loss allowance to noncurrent loans | 2,783.2653% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 5,122 |
| Noncurrent loans to loans | 0.0616% | 5,768 |
| Net loans and leases to total assets | 75.7347% | 1,256 |
| Net loans and leases to deposits | 82.8850% | 2,308 |
| Net loans and leases to core deposits | 99.7647% | 1,389 |
| Total domestic deposits to total assets | 91.3733% | 264 |
| Equity capital to assets | 7.6774% | 6,257 |
| Core capital (leverage) ratio | 8.0413% | 6,040 |
| Tier 1 risk-based capital ratio | 9.5659% | 6,427 |
| Total risk-based capital ratio | 10.8209% | 6,399 |
| Memoranda: | ||
| Average total assets | $456,587,500 | 1,471 |
| Average earning assets | $434,597,000 | 1,423 |
| Average equity | $37,566,750 | 1,883 |
| Average total loans | $381,505,250 | 1,165 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1612% | 539 |
| Cost of funding earning assets | 0.3696% | 4,214 |
| Net interest margin | 4.7916% | 419 |
| Noninterest income to average assets | 1.0158% | 1,156 |
| Noninterest expense to average assets | 2.7630% | 3,647 |
| Loan and lease loss provision to assets | 0.3206% | 590 |
| Net operating income to assets | 2.4704% | 145 |
| Return on assets (ROA) | 2.4704% | 150 |
| Pretax return on assets | 2.4745% | 217 |
| Return on Equity (ROE) | 29.2540% | 64 |
| Retained earnings to average equity (ytd only) | 14.1389% | 254 |
| Net charge-offs to loans | 0.2133% | 1,749 |
| Credit loss provision to net charge-offs | 174.5636% | 1,305 |
| Earnings coverage of net charge-offs (x) | 15.2195% | 1,863 |
| Efficiency ratio | 49.7116% | 6,186 |
| Assets per employee ($millions) | 5.6033% | 1,605 |
| Cash dividends to net income (ytd only)* | 51.6685% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6984% | 2,137 |
| Loan loss allowance to noncurrent loans | 461.6279% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.6595% | 4,010 |
| Noncurrent loans to loans | 0.3679% | 4,888 |
| Net loans and leases to total assets | 83.9938% | 300 |
| Net loans and leases to deposits | 93.1969% | 1,033 |
| Net loans and leases to core deposits | 112.5917% | 583 |
| Total domestic deposits to total assets | 90.1251% | 747 |
| Equity capital to assets | 8.2409% | 6,001 |
| Core capital (leverage) ratio | 8.5293% | 5,605 |
| Tier 1 risk-based capital ratio | 9.3787% | 6,506 |
| Total risk-based capital ratio | 10.6338% | 6,492 |
| Memoranda: | ||
| Average total assets | $436,693,670 | 1,534 |
| Average earning assets | $413,976,330 | 1,485 |
| Average equity | $36,877,000 | 1,904 |
| Average total loans | $376,069,000 | 1,175 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0930% | 599 |
| Cost of funding earning assets | 0.3770% | 4,233 |
| Net interest margin | 4.7160% | 451 |
| Noninterest income to average assets | 0.9628% | 1,222 |
| Noninterest expense to average assets | 2.8393% | 3,420 |
| Loan and lease loss provision to assets | 0.2604% | 808 |
| Net operating income to assets | 2.3451% | 187 |
| Return on assets (ROA) | 2.3451% | 197 |
| Pretax return on assets | 2.3517% | 284 |
| Return on Equity (ROE) | 27.4061% | 89 |
| Retained earnings to average equity (ytd only) | 13.2992% | 452 |
| Net charge-offs to loans | -0.0307% | 5,572 |
| Credit loss provision to net charge-offs | -982.1429% | 5,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0841% | 6,135 |
| Assets per employee ($millions) | 5.2795% | 1,932 |
| Cash dividends to net income (ytd only)* | 51.4736% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8059% | 2,017 |
| Loan loss allowance to noncurrent loans | 184.6091% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.9327% | 3,391 |
| Noncurrent loans to loans | 0.9782% | 3,467 |
| Net loans and leases to total assets | 84.8177% | 195 |
| Net loans and leases to deposits | 93.6296% | 825 |
| Net loans and leases to core deposits | 111.1676% | 540 |
| Total domestic deposits to total assets | 90.5885% | 749 |
| Equity capital to assets | 8.5182% | 5,640 |
| Core capital (leverage) ratio | 8.6133% | 5,513 |
| Tier 1 risk-based capital ratio | 9.4574% | 6,552 |
| Total risk-based capital ratio | 10.7134% | 6,536 |
| Memoranda: | ||
| Average total assets | $422,505,500 | 1,585 |
| Average earning assets | $402,120,000 | 1,526 |
| Average equity | $36,152,500 | 1,931 |
| Average total loans | $365,414,000 | 1,212 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2847% | 548 |
| Cost of funding earning assets | 0.3928% | 4,732 |
| Net interest margin | 4.8919% | 368 |
| Noninterest income to average assets | 1.0808% | 1,213 |
| Noninterest expense to average assets | 3.0209% | 2,991 |
| Loan and lease loss provision to assets | 0.5455% | 488 |
| Net operating income to assets | 2.1424% | 269 |
| Return on assets (ROA) | 2.1539% | 265 |
| Pretax return on assets | 2.1552% | 335 |
| Return on Equity (ROE) | 25.1459% | 123 |
| Retained earnings to average equity (ytd only) | 12.2207% | 295 |
| Net charge-offs to loans | 0.2614% | 2,400 |
| Credit loss provision to net charge-offs | 247.5797% | 924 |
| Earnings coverage of net charge-offs (x) | 12.2054% | 2,152 |
| Efficiency ratio | 52.9042% | 6,220 |
| Assets per employee ($millions) | 5.3519% | 1,798 |
| Cash dividends to net income (ytd only)* | 51.4010% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8073% | 2,045 |
| Loan loss allowance to noncurrent loans | 357.5388% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.5300% | 4,652 |
| Noncurrent loans to loans | 0.5055% | 4,732 |
| Net loans and leases to total assets | 85.0376% | 201 |
| Net loans and leases to deposits | 94.0217% | 878 |
| Net loans and leases to core deposits | 108.8220% | 659 |
| Total domestic deposits to total assets | 90.4446% | 849 |
| Equity capital to assets | 8.5971% | 5,477 |
| Core capital (leverage) ratio | 8.5127% | 5,658 |
| Tier 1 risk-based capital ratio | 9.7293% | 6,569 |
| Total risk-based capital ratio | 10.9858% | 6,545 |
| Memoranda: | ||
| Average total assets | $384,420,600 | 1,711 |
| Average earning assets | $363,786,200 | 1,656 |
| Average equity | $32,927,800 | 2,086 |
| Average total loans | $324,035,600 | 1,318 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2649% | 562 |
| Cost of funding earning assets | 0.3906% | 4,899 |
| Net interest margin | 4.8743% | 382 |
| Noninterest income to average assets | 1.1274% | 1,151 |
| Noninterest expense to average assets | 2.9958% | 3,010 |
| Loan and lease loss provision to assets | 0.5386% | 494 |
| Net operating income to assets | 2.1887% | 266 |
| Return on assets (ROA) | 2.1954% | 272 |
| Pretax return on assets | 2.1968% | 387 |
| Return on Equity (ROE) | 25.6566% | 111 |
| Retained earnings to average equity (ytd only) | 12.0111% | 424 |
| Net charge-offs to loans | 0.0616% | 4,020 |
| Credit loss provision to net charge-offs | 1,044.5205% | 294 |
| Earnings coverage of net charge-offs (x) | 52.9183% | 832 |
| Efficiency ratio | 52.3322% | 6,234 |
| Assets per employee ($millions) | 5.3396% | 1,806 |
| Cash dividends to net income (ytd only)* | 53.1853% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9088% | 1,978 |
| Loan loss allowance to noncurrent loans | 480.2190% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.4370% | 5,120 |
| Noncurrent loans to loans | 0.3975% | 5,199 |
| Net loans and leases to total assets | 84.4218% | 223 |
| Net loans and leases to deposits | 93.2937% | 881 |
| Net loans and leases to core deposits | 109.2158% | 611 |
| Total domestic deposits to total assets | 90.4904% | 746 |
| Equity capital to assets | 8.3147% | 5,906 |
| Core capital (leverage) ratio | 8.6115% | 5,642 |
| Tier 1 risk-based capital ratio | 9.3697% | 6,695 |
| Total risk-based capital ratio | 10.6270% | 6,672 |
| Memoranda: | ||
| Average total assets | $377,502,500 | 1,745 |
| Average earning assets | $356,034,250 | 1,698 |
| Average equity | $32,302,750 | 2,134 |
| Average total loans | $315,823,500 | 1,346 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2406% | 589 |
| Cost of funding earning assets | 0.3872% | 5,060 |
| Net interest margin | 4.8535% | 401 |
| Noninterest income to average assets | 1.0464% | 1,394 |
| Noninterest expense to average assets | 3.0867% | 2,704 |
| Loan and lease loss provision to assets | 0.4732% | 599 |
| Net operating income to assets | 2.0609% | 322 |
| Return on assets (ROA) | 2.0695% | 334 |
| Pretax return on assets | 2.0711% | 524 |
| Return on Equity (ROE) | 23.9404% | 145 |
| Retained earnings to average equity (ytd only) | 11.6355% | 546 |
| Net charge-offs to loans | 0.0183% | 4,474 |
| Credit loss provision to net charge-offs | 3,125.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 167.4643% | 299 |
| Efficiency ratio | 54.9005% | 6,066 |
| Assets per employee ($millions) | 5.1446% | 1,941 |
| Cash dividends to net income (ytd only)* | 51.3980% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8770% | 2,177 |
| Loan loss allowance to noncurrent loans | 507.7246% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.5850% | 4,787 |
| Noncurrent loans to loans | 0.3697% | 5,352 |
| Net loans and leases to total assets | 84.1728% | 226 |
| Net loans and leases to deposits | 93.5861% | 836 |
| Net loans and leases to core deposits | 106.5465% | 713 |
| Total domestic deposits to total assets | 89.9416% | 1,063 |
| Equity capital to assets | 8.6632% | 5,598 |
| Core capital (leverage) ratio | 8.7002% | 5,423 |
| Tier 1 risk-based capital ratio | 9.7380% | 6,686 |
| Total risk-based capital ratio | 10.9951% | 6,665 |
| Memoranda: | ||
| Average total assets | $369,846,330 | 1,770 |
| Average earning assets | $348,697,330 | 1,733 |
| Average equity | $31,971,000 | 2,156 |
| Average total loans | $306,210,000 | 1,379 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1435% | 684 |
| Cost of funding earning assets | 0.3899% | 5,206 |
| Net interest margin | 4.7537% | 439 |
| Noninterest income to average assets | 1.2175% | 1,023 |
| Noninterest expense to average assets | 3.0726% | 2,763 |
| Loan and lease loss provision to assets | 0.7085% | 335 |
| Net operating income to assets | 1.9020% | 403 |
| Return on assets (ROA) | 1.9194% | 429 |
| Pretax return on assets | 1.9194% | 707 |
| Return on Equity (ROE) | 22.2285% | 189 |
| Retained earnings to average equity (ytd only) | 11.0827% | 853 |
| Net charge-offs to loans | 0.0765% | 3,079 |
| Credit loss provision to net charge-offs | 1,140.3509% | 279 |
| Earnings coverage of net charge-offs (x) | 42.0175% | 756 |
| Efficiency ratio | 54.0660% | 6,224 |
| Assets per employee ($millions) | 5.0204% | 2,188 |
| Cash dividends to net income (ytd only)* | 50.1420% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8772% | 2,374 |
| Loan loss allowance to noncurrent loans | 432.9596% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.6425% | 4,769 |
| Noncurrent loans to loans | 0.4336% | 5,336 |
| Net loans and leases to total assets | 81.5082% | 308 |
| Net loans and leases to deposits | 89.7138% | 995 |
| Net loans and leases to core deposits | 103.7877% | 728 |
| Total domestic deposits to total assets | 90.8536% | 590 |
| Equity capital to assets | 8.6479% | 5,862 |
| Core capital (leverage) ratio | 8.5343% | 5,544 |
| Tier 1 risk-based capital ratio | 9.7808% | 6,722 |
| Total risk-based capital ratio | 11.0377% | 6,706 |
| Memoranda: | ||
| Average total assets | $366,991,500 | 1,797 |
| Average earning assets | $344,742,500 | 1,757 |
| Average equity | $31,689,000 | 2,201 |
| Average total loans | $298,233,500 | 1,420 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5413% | 574 |
| Cost of funding earning assets | 0.4861% | 5,313 |
| Net interest margin | 5.0552% | 347 |
| Noninterest income to average assets | 0.9906% | 1,558 |
| Noninterest expense to average assets | 3.2802% | 2,397 |
| Loan and lease loss provision to assets | 0.3019% | 2,262 |
| Net operating income to assets | 2.1622% | 273 |
| Return on assets (ROA) | 2.1622% | 301 |
| Pretax return on assets | 2.1637% | 444 |
| Return on Equity (ROE) | 24.9200% | 131 |
| Retained earnings to average equity (ytd only) | 14.4205% | 183 |
| Net charge-offs to loans | 0.2997% | 3,145 |
| Credit loss provision to net charge-offs | 124.5098% | 2,280 |
| Earnings coverage of net charge-offs (x) | 10.1691% | 2,168 |
| Efficiency ratio | 57.0897% | 5,948 |
| Assets per employee ($millions) | 5.0343% | 2,192 |
| Cash dividends to net income (ytd only)* | 42.1327% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8064% | 2,569 |
| Loan loss allowance to noncurrent loans | 327.6623% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.6224% | 4,915 |
| Noncurrent loans to loans | 0.5513% | 5,150 |
| Net loans and leases to total assets | 77.9817% | 680 |
| Net loans and leases to deposits | 85.8717% | 1,531 |
| Net loans and leases to core deposits | 98.1561% | 1,136 |
| Total domestic deposits to total assets | 90.8120% | 559 |
| Equity capital to assets | 8.6214% | 5,943 |
| Core capital (leverage) ratio | 8.3031% | 5,883 |
| Tier 1 risk-based capital ratio | 10.1629% | 6,658 |
| Total risk-based capital ratio | 11.4188% | 6,621 |
| Memoranda: | ||
| Average total assets | $336,559,800 | 1,922 |
| Average earning assets | $316,584,800 | 1,870 |
| Average equity | $29,201,400 | 2,300 |
| Average total loans | $272,262,200 | 1,525 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5930% | 565 |
| Cost of funding earning assets | 0.5110% | 5,365 |
| Net interest margin | 5.0819% | 349 |
| Noninterest income to average assets | 0.9908% | 1,530 |
| Noninterest expense to average assets | 3.2690% | 2,360 |
| Loan and lease loss provision to assets | 0.2969% | 2,212 |
| Net operating income to assets | 2.2196% | 274 |
| Return on assets (ROA) | 2.2196% | 306 |
| Pretax return on assets | 2.2212% | 461 |
| Return on Equity (ROE) | 25.5374% | 134 |
| Retained earnings to average equity (ytd only) | 14.7787% | 249 |
| Net charge-offs to loans | 0.2320% | 3,329 |
| Credit loss provision to net charge-offs | 157.3876% | 1,784 |
| Earnings coverage of net charge-offs (x) | 13.3491% | 1,919 |
| Efficiency ratio | 56.4878% | 5,995 |
| Assets per employee ($millions) | 4.7936% | 2,457 |
| Cash dividends to net income (ytd only)* | 42.1292% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8864% | 2,524 |
| Loan loss allowance to noncurrent loans | 226.9711% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.7284% | 4,863 |
| Noncurrent loans to loans | 0.8311% | 4,755 |
| Net loans and leases to total assets | 78.2993% | 695 |
| Net loans and leases to deposits | 86.2599% | 1,574 |
| Net loans and leases to core deposits | 95.5756% | 1,447 |
| Total domestic deposits to total assets | 90.7714% | 490 |
| Equity capital to assets | 8.6705% | 6,126 |
| Core capital (leverage) ratio | 8.8003% | 5,348 |
| Tier 1 risk-based capital ratio | 9.8933% | 6,818 |
| Total risk-based capital ratio | 11.1498% | 6,804 |
| Memoranda: | ||
| Average total assets | $330,081,750 | 1,968 |
| Average earning assets | $311,527,000 | 1,914 |
| Average equity | $28,689,250 | 2,358 |
| Average total loans | $268,362,250 | 1,554 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7186% | 469 |
| Cost of funding earning assets | 0.5478% | 5,321 |
| Net interest margin | 5.1709% | 310 |
| Noninterest income to average assets | 1.1154% | 1,148 |
| Noninterest expense to average assets | 3.3005% | 2,302 |
| Loan and lease loss provision to assets | 0.3926% | 1,674 |
| Net operating income to assets | 2.3007% | 241 |
| Return on assets (ROA) | 2.3007% | 270 |
| Pretax return on assets | 2.3020% | 409 |
| Return on Equity (ROE) | 26.4476% | 124 |
| Retained earnings to average equity (ytd only) | 15.3099% | 270 |
| Net charge-offs to loans | 0.1534% | 3,689 |
| Credit loss provision to net charge-offs | 312.8079% | 940 |
| Earnings coverage of net charge-offs (x) | 21.4680% | 1,341 |
| Efficiency ratio | 55.0536% | 6,222 |
| Assets per employee ($millions) | 4.5558% | 2,801 |
| Cash dividends to net income (ytd only)* | 42.1123% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9887% | 2,261 |
| Loan loss allowance to noncurrent loans | 181.0667% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 1.0830% | 4,212 |
| Noncurrent loans to loans | 1.0983% | 4,328 |
| Net loans and leases to total assets | 82.7654% | 283 |
| Net loans and leases to deposits | 94.4591% | 733 |
| Net loans and leases to core deposits | 105.8551% | 754 |
| Total domestic deposits to total assets | 87.6203% | 2,384 |
| Equity capital to assets | 9.0622% | 5,633 |
| Core capital (leverage) ratio | 8.8179% | 5,188 |
| Tier 1 risk-based capital ratio | 10.0059% | 6,827 |
| Total risk-based capital ratio | 11.2642% | 6,804 |
| Memoranda: | ||
| Average total assets | $323,464,330 | 2,004 |
| Average earning assets | $305,247,670 | 1,949 |
| Average equity | $28,138,670 | 2,378 |
| Average total loans | $264,728,330 | 1,579 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5720% | 665 |
| Cost of funding earning assets | 0.5885% | 5,223 |
| Net interest margin | 4.9835% | 410 |
| Noninterest income to average assets | 0.9349% | 1,613 |
| Noninterest expense to average assets | 2.9654% | 3,407 |
| Loan and lease loss provision to assets | 0.5565% | 1,042 |
| Net operating income to assets | 2.1035% | 348 |
| Return on assets (ROA) | 2.1035% | 401 |
| Pretax return on assets | 2.1047% | 628 |
| Return on Equity (ROE) | 24.6956% | 193 |
| Retained earnings to average equity (ytd only) | 14.3005% | 532 |
| Net charge-offs to loans | 0.2150% | 2,853 |
| Credit loss provision to net charge-offs | 321.4286% | 928 |
| Earnings coverage of net charge-offs (x) | 15.3714% | 1,422 |
| Efficiency ratio | 52.7033% | 6,470 |
| Assets per employee ($millions) | 4.8807% | 2,418 |
| Cash dividends to net income (ytd only)* | 42.0929% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0226% | 2,292 |
| Loan loss allowance to noncurrent loans | 228.2889% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.8553% | 4,818 |
| Noncurrent loans to loans | 0.8860% | 4,897 |
| Net loans and leases to total assets | 78.6615% | 528 |
| Net loans and leases to deposits | 86.4681% | 1,365 |
| Net loans and leases to core deposits | 97.6386% | 1,153 |
| Total domestic deposits to total assets | 90.9717% | 572 |
| Equity capital to assets | 8.5968% | 5,996 |
| Core capital (leverage) ratio | 8.4071% | 5,730 |
| Tier 1 risk-based capital ratio | 9.7307% | 6,930 |
| Total risk-based capital ratio | 10.9885% | 6,927 |
| Memoranda: | ||
| Average total assets | $323,464,000 | 2,008 |
| Average earning assets | $304,522,000 | 1,956 |
| Average equity | $27,551,500 | 2,426 |
| Average total loans | $260,518,000 | 1,608 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7694% | 678 |
| Cost of funding earning assets | 0.7423% | 5,263 |
| Net interest margin | 5.0271% | 395 |
| Noninterest income to average assets | 0.8993% | 1,674 |
| Noninterest expense to average assets | 3.1467% | 3,037 |
| Loan and lease loss provision to assets | 0.4498% | 2,356 |
| Net operating income to assets | 2.0688% | 272 |
| Return on assets (ROA) | 2.0813% | 289 |
| Pretax return on assets | 2.0830% | 455 |
| Return on Equity (ROE) | 23.7121% | 143 |
| Retained earnings to average equity (ytd only) | 11.7434% | 326 |
| Net charge-offs to loans | 0.7296% | 2,331 |
| Credit loss provision to net charge-offs | 76.4290% | 4,627 |
| Earnings coverage of net charge-offs (x) | 4.2823% | 3,180 |
| Efficiency ratio | 55.5263% | 6,365 |
| Assets per employee ($millions) | 4.7048% | 2,598 |
| Cash dividends to net income (ytd only)* | 50.4749% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9342% | 2,468 |
| Loan loss allowance to noncurrent loans | 576.7013% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.4148% | 5,936 |
| Noncurrent loans to loans | 0.3354% | 6,059 |
| Net loans and leases to total assets | 79.2375% | 572 |
| Net loans and leases to deposits | 87.0419% | 1,516 |
| Net loans and leases to core deposits | 100.0012% | 1,178 |
| Total domestic deposits to total assets | 91.0338% | 492 |
| Equity capital to assets | 8.4367% | 6,214 |
| Core capital (leverage) ratio | 8.1637% | 6,049 |
| Tier 1 risk-based capital ratio | 9.7562% | 6,911 |
| Total risk-based capital ratio | 11.0137% | 6,900 |
| Memoranda: | ||
| Average total assets | $288,336,000 | 2,207 |
| Average earning assets | $273,459,600 | 2,142 |
| Average equity | $25,307,800 | 2,543 |
| Average total loans | $232,591,000 | 1,794 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8267% | 665 |
| Cost of funding earning assets | 0.7586% | 5,412 |
| Net interest margin | 5.0681% | 363 |
| Noninterest income to average assets | 0.9585% | 1,456 |
| Noninterest expense to average assets | 3.0618% | 3,314 |
| Loan and lease loss provision to assets | 0.4398% | 2,276 |
| Net operating income to assets | 2.2735% | 221 |
| Return on assets (ROA) | 2.2906% | 229 |
| Pretax return on assets | 2.2925% | 359 |
| Return on Equity (ROE) | 25.8120% | 113 |
| Retained earnings to average equity (ytd only) | 12.2578% | 474 |
| Net charge-offs to loans | 0.3001% | 3,595 |
| Credit loss provision to net charge-offs | 181.7289% | 1,631 |
| Earnings coverage of net charge-offs (x) | 11.2200% | 1,830 |
| Efficiency ratio | 52.9998% | 6,595 |
| Assets per employee ($millions) | 4.5816% | 2,787 |
| Cash dividends to net income (ytd only)* | 52.5114% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3651% | 1,595 |
| Loan loss allowance to noncurrent loans | 632.8618% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.4667% | 5,917 |
| Noncurrent loans to loans | 0.3737% | 6,100 |
| Net loans and leases to total assets | 77.0649% | 832 |
| Net loans and leases to deposits | 84.9897% | 1,835 |
| Net loans and leases to core deposits | 100.2614% | 1,224 |
| Total domestic deposits to total assets | 90.6756% | 563 |
| Equity capital to assets | 8.4831% | 6,313 |
| Core capital (leverage) ratio | 8.4786% | 5,740 |
| Tier 1 risk-based capital ratio | 10.1067% | 6,922 |
| Total risk-based capital ratio | 11.3697% | 6,913 |
| Memoranda: | ||
| Average total assets | $280,439,250 | 2,276 |
| Average earning assets | $266,628,250 | 2,199 |
| Average equity | $24,887,000 | 2,587 |
| Average total loans | $226,114,000 | 1,849 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8716% | 621 |
| Cost of funding earning assets | 0.7617% | 5,614 |
| Net interest margin | 5.1099% | 328 |
| Noninterest income to average assets | 0.9138% | 1,607 |
| Noninterest expense to average assets | 3.1155% | 3,193 |
| Loan and lease loss provision to assets | 0.4258% | 2,304 |
| Net operating income to assets | 2.2342% | 251 |
| Return on assets (ROA) | 2.2609% | 251 |
| Pretax return on assets | 2.2631% | 373 |
| Return on Equity (ROE) | 25.0523% | 135 |
| Retained earnings to average equity (ytd only) | 10.3885% | 771 |
| Net charge-offs to loans | 0.0656% | 4,981 |
| Credit loss provision to net charge-offs | 798.6111% | 419 |
| Earnings coverage of net charge-offs (x) | 49.9306% | 626 |
| Efficiency ratio | 53.9221% | 6,628 |
| Assets per employee ($millions) | 4.4102% | 2,977 |
| Cash dividends to net income (ytd only)* | 58.5326% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5049% | 1,442 |
| Loan loss allowance to noncurrent loans | 679.2865% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.7857% | 5,323 |
| Noncurrent loans to loans | 0.3688% | 6,170 |
| Net loans and leases to total assets | 78.9326% | 655 |
| Net loans and leases to deposits | 87.1839% | 1,628 |
| Net loans and leases to core deposits | 105.2459% | 971 |
| Total domestic deposits to total assets | 90.5358% | 704 |
| Equity capital to assets | 8.6823% | 5,965 |
| Core capital (leverage) ratio | 8.9166% | 4,850 |
| Tier 1 risk-based capital ratio | 10.4759% | 6,796 |
| Total risk-based capital ratio | 11.7415% | 6,790 |
| Memoranda: | ||
| Average total assets | $270,069,330 | 2,366 |
| Average earning assets | $257,069,000 | 2,283 |
| Average equity | $24,373,000 | 2,625 |
| Average total loans | $219,515,000 | 1,912 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9377% | 550 |
| Cost of funding earning assets | 0.7596% | 5,805 |
| Net interest margin | 5.1781% | 260 |
| Noninterest income to average assets | 0.8907% | 1,692 |
| Noninterest expense to average assets | 3.1776% | 2,971 |
| Loan and lease loss provision to assets | 0.1541% | 4,097 |
| Net operating income to assets | 2.4949% | 176 |
| Return on assets (ROA) | 2.5504% | 173 |
| Pretax return on assets | 2.5520% | 236 |
| Return on Equity (ROE) | 27.6715% | 110 |
| Retained earnings to average equity (ytd only) | 7.6577% | 1,860 |
| Net charge-offs to loans | 0.0965% | 3,980 |
| Credit loss provision to net charge-offs | 196.0784% | 1,511 |
| Earnings coverage of net charge-offs (x) | 33.7255% | 770 |
| Efficiency ratio | 54.5214% | 6,643 |
| Assets per employee ($millions) | 4.1824% | 3,485 |
| Cash dividends to net income (ytd only)* | 72.3263% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4720% | 1,501 |
| Loan loss allowance to noncurrent loans | 629.2148% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.7496% | 5,429 |
| Noncurrent loans to loans | 0.3929% | 6,211 |
| Net loans and leases to total assets | 81.5898% | 379 |
| Net loans and leases to deposits | 90.6122% | 1,170 |
| Net loans and leases to core deposits | 106.5999% | 912 |
| Total domestic deposits to total assets | 90.0429% | 1,129 |
| Equity capital to assets | 9.1935% | 4,879 |
| Core capital (leverage) ratio | 9.1536% | 4,369 |
| Tier 1 risk-based capital ratio | 10.7234% | 6,677 |
| Total risk-based capital ratio | 11.9882% | 6,657 |
| Memoranda: | ||
| Average total assets | $259,566,000 | 2,479 |
| Average earning assets | $247,504,000 | 2,375 |
| Average equity | $23,923,500 | 2,648 |
| Average total loans | $211,444,000 | 2,000 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0203% | 820 |
| Cost of funding earning assets | 0.9781% | 5,793 |
| Net interest margin | 5.0422% | 391 |
| Noninterest income to average assets | 0.6896% | 2,904 |
| Noninterest expense to average assets | 3.1651% | 3,210 |
| Loan and lease loss provision to assets | 0.9151% | 1,789 |
| Net operating income to assets | 1.4012% | 950 |
| Return on assets (ROA) | 1.4036% | 1,018 |
| Pretax return on assets | 1.4055% | 1,653 |
| Return on Equity (ROE) | 15.8651% | 597 |
| Retained earnings to average equity (ytd only) | 9.1812% | 666 |
| Net charge-offs to loans | 1.0963% | 2,033 |
| Credit loss provision to net charge-offs | 104.4307% | 4,302 |
| Earnings coverage of net charge-offs (x) | 2.6455% | 3,776 |
| Efficiency ratio | 57.7214% | 6,372 |
| Assets per employee ($millions) | 4.5650% | 2,767 |
| Cash dividends to net income (ytd only)* | 42.1300% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6672% | 1,208 |
| Loan loss allowance to noncurrent loans | 269.8651% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 1.2165% | 4,593 |
| Noncurrent loans to loans | 0.9884% | 5,084 |
| Net loans and leases to total assets | 77.0836% | 1,078 |
| Net loans and leases to deposits | 85.4471% | 2,195 |
| Net loans and leases to core deposits | 98.7824% | 1,723 |
| Total domestic deposits to total assets | 90.2121% | 981 |
| Equity capital to assets | 9.2407% | 4,774 |
| Core capital (leverage) ratio | 8.5123% | 5,339 |
| Tier 1 risk-based capital ratio | 11.8233% | 5,633 |
| Total risk-based capital ratio | 13.0915% | 5,616 |
| Memoranda: | ||
| Average total assets | $257,558,800 | 2,475 |
| Average earning assets | $244,872,200 | 2,382 |
| Average equity | $22,785,800 | 2,793 |
| Average total loans | $205,866,200 | 2,106 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0507% | 841 |
| Cost of funding earning assets | 1.0260% | 5,823 |
| Net interest margin | 5.0247% | 412 |
| Noninterest income to average assets | 0.6226% | 3,297 |
| Noninterest expense to average assets | 3.0791% | 3,426 |
| Loan and lease loss provision to assets | 0.9301% | 1,617 |
| Net operating income to assets | 1.3863% | 1,136 |
| Return on assets (ROA) | 1.3863% | 1,218 |
| Pretax return on assets | 1.3884% | 1,911 |
| Return on Equity (ROE) | 15.8450% | 725 |
| Retained earnings to average equity (ytd only) | 9.1656% | 1,000 |
| Net charge-offs to loans | 0.6534% | 2,797 |
| Credit loss provision to net charge-offs | 177.6900% | 2,072 |
| Earnings coverage of net charge-offs (x) | 4.4294% | 3,054 |
| Efficiency ratio | 57.0458% | 6,406 |
| Assets per employee ($millions) | 5.0270% | 2,143 |
| Cash dividends to net income (ytd only)* | 42.1543% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9503% | 858 |
| Loan loss allowance to noncurrent loans | 115.7885% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 2.7462% | 2,637 |
| Noncurrent loans to loans | 2.5480% | 3,075 |
| Net loans and leases to total assets | 71.1261% | 2,458 |
| Net loans and leases to deposits | 79.5460% | 3,535 |
| Net loans and leases to core deposits | 94.4922% | 2,461 |
| Total domestic deposits to total assets | 89.4151% | 1,162 |
| Equity capital to assets | 8.3729% | 6,424 |
| Core capital (leverage) ratio | 8.4272% | 5,650 |
| Tier 1 risk-based capital ratio | 10.6807% | 6,648 |
| Total risk-based capital ratio | 11.9502% | 6,623 |
| Memoranda: | ||
| Average total assets | $258,038,000 | 2,513 |
| Average earning assets | $245,209,000 | 2,417 |
| Average equity | $22,576,500 | 2,858 |
| Average total loans | $206,718,250 | 2,125 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2738% | 533 |
| Cost of funding earning assets | 1.1114% | 5,615 |
| Net interest margin | 5.1624% | 304 |
| Noninterest income to average assets | 0.6163% | 3,218 |
| Noninterest expense to average assets | 3.1613% | 3,044 |
| Loan and lease loss provision to assets | 0.9392% | 1,560 |
| Net operating income to assets | 1.3956% | 1,101 |
| Return on assets (ROA) | 1.3956% | 1,165 |
| Pretax return on assets | 1.3980% | 1,844 |
| Return on Equity (ROE) | 15.6979% | 738 |
| Retained earnings to average equity (ytd only) | 9.0807% | 1,077 |
| Net charge-offs to loans | 0.7416% | 2,380 |
| Credit loss provision to net charge-offs | 153.1943% | 2,566 |
| Earnings coverage of net charge-offs (x) | 3.8123% | 3,172 |
| Efficiency ratio | 57.4938% | 6,452 |
| Assets per employee ($millions) | 4.3442% | 3,140 |
| Cash dividends to net income (ytd only)* | 42.1535% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7462% | 1,048 |
| Loan loss allowance to noncurrent loans | 121.3693% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 3.3405% | 2,107 |
| Noncurrent loans to loans | 2.2627% | 3,411 |
| Net loans and leases to total assets | 78.8657% | 980 |
| Net loans and leases to deposits | 88.4569% | 2,100 |
| Net loans and leases to core deposits | 111.9536% | 1,035 |
| Total domestic deposits to total assets | 89.1572% | 1,348 |
| Equity capital to assets | 8.9068% | 5,592 |
| Core capital (leverage) ratio | 8.4857% | 5,434 |
| Tier 1 risk-based capital ratio | 10.5930% | 6,613 |
| Total risk-based capital ratio | 11.8609% | 6,601 |
| Memoranda: | ||
| Average total assets | $250,212,670 | 2,598 |
| Average earning assets | $236,635,000 | 2,523 |
| Average equity | $22,245,000 | 2,890 |
| Average total loans | $206,852,000 | 2,154 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3732% | 464 |
| Cost of funding earning assets | 1.1680% | 5,565 |
| Net interest margin | 5.2052% | 284 |
| Noninterest income to average assets | 0.5373% | 3,754 |
| Noninterest expense to average assets | 3.0587% | 3,442 |
| Loan and lease loss provision to assets | 1.0519% | 1,174 |
| Net operating income to assets | 1.3368% | 1,208 |
| Return on assets (ROA) | 1.3368% | 1,281 |
| Pretax return on assets | 1.3384% | 1,938 |
| Return on Equity (ROE) | 15.0503% | 865 |
| Retained earnings to average equity (ytd only) | 8.7095% | 1,480 |
| Net charge-offs to loans | 0.4962% | 2,574 |
| Credit loss provision to net charge-offs | 253.9063% | 1,524 |
| Earnings coverage of net charge-offs (x) | 5.7695% | 2,337 |
| Efficiency ratio | 56.1331% | 6,743 |
| Assets per employee ($millions) | 4.4582% | 3,024 |
| Cash dividends to net income (ytd only)* | 42.1308% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7249% | 1,059 |
| Loan loss allowance to noncurrent loans | 209.5694% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 2.6350% | 2,763 |
| Noncurrent loans to loans | 1.3003% | 4,802 |
| Net loans and leases to total assets | 79.9874% | 847 |
| Net loans and leases to deposits | 89.2143% | 2,034 |
| Net loans and leases to core deposits | 111.1346% | 1,210 |
| Total domestic deposits to total assets | 89.6576% | 1,154 |
| Equity capital to assets | 8.7770% | 5,595 |
| Core capital (leverage) ratio | 8.9764% | 4,608 |
| Tier 1 risk-based capital ratio | 10.3515% | 6,757 |
| Total risk-based capital ratio | 11.6193% | 6,739 |
| Memoranda: | ||
| Average total assets | $247,164,500 | 2,683 |
| Average earning assets | $233,228,000 | 2,610 |
| Average equity | $21,953,000 | 2,954 |
| Average total loans | $206,354,000 | 2,215 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6596% | 507 |
| Cost of funding earning assets | 1.5526% | 5,264 |
| Net interest margin | 5.1071% | 356 |
| Noninterest income to average assets | 0.7815% | 2,500 |
| Noninterest expense to average assets | 3.0533% | 3,933 |
| Loan and lease loss provision to assets | 2.5553% | 772 |
| Net operating income to assets | 0.0455% | 5,348 |
| Return on assets (ROA) | 0.2117% | 4,925 |
| Pretax return on assets | 0.2112% | 4,979 |
| Return on Equity (ROE) | 2.4794% | 4,720 |
| Retained earnings to average equity (ytd only) | 1.4378% | 4,060 |
| Net charge-offs to loans | 1.9019% | 1,301 |
| Credit loss provision to net charge-offs | 160.1937% | 2,784 |
| Earnings coverage of net charge-offs (x) | 1.6302% | 4,519 |
| Efficiency ratio | 54.0058% | 7,229 |
| Assets per employee ($millions) | 4.2894% | 3,283 |
| Cash dividends to net income (ytd only)* | 42.0118% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6012% | 1,111 |
| Loan loss allowance to noncurrent loans | 278.3613% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 2.5574% | 2,734 |
| Noncurrent loans to loans | 0.9345% | 5,444 |
| Net loans and leases to total assets | 82.6156% | 591 |
| Net loans and leases to deposits | 95.2347% | 1,429 |
| Net loans and leases to core deposits | 119.8471% | 1,958 |
| Total domestic deposits to total assets | 86.7495% | 2,631 |
| Equity capital to assets | 8.9930% | 5,158 |
| Core capital (leverage) ratio | 8.6744% | 4,966 |
| Tier 1 risk-based capital ratio | 10.1485% | 6,742 |
| Total risk-based capital ratio | 11.4140% | 6,691 |
| Memoranda: | ||
| Average total assets | $239,542,400 | 2,722 |
| Average earning assets | $228,527,000 | 2,611 |
| Average equity | $20,448,400 | 3,142 |
| Average total loans | $200,908,200 | 2,289 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7219% | 490 |
| Cost of funding earning assets | 1.6112% | 5,353 |
| Net interest margin | 5.1107% | 359 |
| Noninterest income to average assets | 0.6684% | 3,229 |
| Noninterest expense to average assets | 3.0278% | 3,941 |
| Loan and lease loss provision to assets | 2.9520% | 507 |
| Net operating income to assets | -0.4111% | 6,334 |
| Return on assets (ROA) | -0.2512% | 6,150 |
| Pretax return on assets | -0.2523% | 6,045 |
| Return on Equity (ROE) | -2.9827% | 6,240 |
| Retained earnings to average equity (ytd only) | -3.2737% | 5,987 |
| Net charge-offs to loans | 1.8881% | 1,064 |
| Credit loss provision to net charge-offs | 186.9489% | 2,436 |
| Earnings coverage of net charge-offs (x) | 1.6085% | 4,593 |
| Efficiency ratio | 54.3818% | 7,198 |
| Assets per employee ($millions) | 4.4719% | 2,899 |
| Cash dividends to net income (ytd only)* | -9.7569% | 7,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7118% | 869 |
| Loan loss allowance to noncurrent loans | 122.0138% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 3.1282% | 2,186 |
| Noncurrent loans to loans | 2.2225% | 3,353 |
| Net loans and leases to total assets | 79.7147% | 1,232 |
| Net loans and leases to deposits | 87.8915% | 2,980 |
| Net loans and leases to core deposits | 112.0181% | 3,022 |
| Total domestic deposits to total assets | 90.6967% | 515 |
| Equity capital to assets | 8.5731% | 6,148 |
| Core capital (leverage) ratio | 8.4810% | 5,530 |
| Tier 1 risk-based capital ratio | 10.0107% | 6,973 |
| Total risk-based capital ratio | 11.2781% | 6,902 |
| Memoranda: | ||
| Average total assets | $239,375,750 | 2,741 |
| Average earning assets | $229,474,750 | 2,620 |
| Average equity | $20,160,000 | 3,207 |
| Average total loans | $200,197,750 | 2,322 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7993% | 452 |
| Cost of funding earning assets | 1.6651% | 5,447 |
| Net interest margin | 5.1342% | 338 |
| Noninterest income to average assets | 0.6577% | 3,286 |
| Noninterest expense to average assets | 3.0407% | 3,914 |
| Loan and lease loss provision to assets | 3.6259% | 379 |
| Net operating income to assets | -1.0793% | 7,037 |
| Return on assets (ROA) | -0.8373% | 6,858 |
| Pretax return on assets | -0.8399% | 6,707 |
| Return on Equity (ROE) | -10.0044% | 7,033 |
| Retained earnings to average equity (ytd only) | -10.4477% | 6,921 |
| Net charge-offs to loans | 0.9992% | 1,767 |
| Credit loss provision to net charge-offs | 430.8617% | 1,072 |
| Earnings coverage of net charge-offs (x) | 3.0230% | 3,604 |
| Efficiency ratio | 54.4466% | 7,284 |
| Assets per employee ($millions) | 4.4041% | 2,929 |
| Cash dividends to net income (ytd only)* | -4.4310% | 7,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0594% | 539 |
| Loan loss allowance to noncurrent loans | 92.9499% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 3.3254% | 1,876 |
| Noncurrent loans to loans | 3.2915% | 2,147 |
| Net loans and leases to total assets | 82.4375% | 874 |
| Net loans and leases to deposits | 91.0747% | 2,638 |
| Net loans and leases to core deposits | 116.5445% | 2,659 |
| Total domestic deposits to total assets | 90.5163% | 626 |
| Equity capital to assets | 8.3385% | 6,278 |
| Core capital (leverage) ratio | 8.1632% | 6,050 |
| Tier 1 risk-based capital ratio | 9.7929% | 7,145 |
| Total risk-based capital ratio | 11.0657% | 7,062 |
| Memoranda: | ||
| Average total assets | $237,182,330 | 2,775 |
| Average earning assets | $227,612,000 | 2,659 |
| Average equity | $19,851,330 | 3,265 |
| Average total loans | $199,754,330 | 2,356 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8517% | 442 |
| Cost of funding earning assets | 1.6656% | 5,758 |
| Net interest margin | 5.1861% | 286 |
| Noninterest income to average assets | 0.6307% | 3,349 |
| Noninterest expense to average assets | 2.9353% | 4,033 |
| Loan and lease loss provision to assets | 2.5143% | 462 |
| Net operating income to assets | 0.1739% | 5,740 |
| Return on assets (ROA) | 0.1739% | 5,909 |
| Pretax return on assets | 0.1756% | 5,996 |
| Return on Equity (ROE) | 2.0734% | 5,750 |
| Retained earnings to average equity (ytd only) | 1.1790% | 5,165 |
| Net charge-offs to loans | 0.6347% | 1,910 |
| Credit loss provision to net charge-offs | 472.7564% | 1,127 |
| Earnings coverage of net charge-offs (x) | 5.0577% | 2,754 |
| Efficiency ratio | 52.1818% | 7,396 |
| Assets per employee ($millions) | 4.2634% | 3,139 |
| Cash dividends to net income (ytd only)* | 43.1373% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0496% | 1,326 |
| Loan loss allowance to noncurrent loans | 122.4772% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 1.9577% | 2,965 |
| Noncurrent loans to loans | 1.6735% | 3,751 |
| Net loans and leases to total assets | 83.3271% | 802 |
| Net loans and leases to deposits | 91.9114% | 2,617 |
| Net loans and leases to core deposits | 115.0043% | 2,909 |
| Total domestic deposits to total assets | 90.6602% | 535 |
| Equity capital to assets | 8.2805% | 6,419 |
| Core capital (leverage) ratio | 8.0003% | 6,443 |
| Tier 1 risk-based capital ratio | 9.2057% | 7,670 |
| Total risk-based capital ratio | 10.4651% | 7,653 |
| Memoranda: | ||
| Average total assets | $234,660,500 | 2,822 |
| Average earning assets | $225,988,000 | 2,697 |
| Average equity | $19,678,000 | 3,308 |
| Average total loans | $196,638,000 | 2,403 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2069% | 730 |
| Cost of funding earning assets | 2.1006% | 6,049 |
| Net interest margin | 5.1063% | 401 |
| Noninterest income to average assets | 0.6206% | 3,708 |
| Noninterest expense to average assets | 3.0432% | 3,932 |
| Loan and lease loss provision to assets | 1.0434% | 1,407 |
| Net operating income to assets | 1.3093% | 1,462 |
| Return on assets (ROA) | 1.3134% | 1,402 |
| Pretax return on assets | 1.3188% | 2,249 |
| Return on Equity (ROE) | 15.5848% | 836 |
| Retained earnings to average equity (ytd only) | 8.9525% | 619 |
| Net charge-offs to loans | 0.6707% | 1,838 |
| Credit loss provision to net charge-offs | 191.6667% | 2,560 |
| Earnings coverage of net charge-offs (x) | 4.3317% | 4,016 |
| Efficiency ratio | 56.3413% | 6,961 |
| Assets per employee ($millions) | 4.3503% | 2,882 |
| Cash dividends to net income (ytd only)* | 42.5561% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5776% | 2,335 |
| Loan loss allowance to noncurrent loans | 142.1801% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 1.2404% | 3,743 |
| Noncurrent loans to loans | 1.1096% | 4,332 |
| Net loans and leases to total assets | 81.1765% | 1,396 |
| Net loans and leases to deposits | 91.5390% | 3,211 |
| Net loans and leases to core deposits | 115.9001% | 3,127 |
| Total domestic deposits to total assets | 88.6797% | 1,165 |
| Equity capital to assets | 8.4947% | 6,095 |
| Core capital (leverage) ratio | 8.2815% | 5,992 |
| Tier 1 risk-based capital ratio | 9.6278% | 7,176 |
| Total risk-based capital ratio | 10.8809% | 7,061 |
| Memoranda: | ||
| Average total assets | $220,426,800 | 2,870 |
| Average earning assets | $206,371,200 | 2,812 |
| Average equity | $18,575,800 | 3,464 |
| Average total loans | $178,911,400 | 2,512 |