Home > Ackley State Bank > Performance and Condition Ratios
Ackley State Bank, Performance and Condition Ratios
| 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 | 4.3009% | 2,233 |
| Cost of funding earning assets | 0.6160% | 1,269 |
| Net interest margin | 3.6849% | 2,805 |
| Noninterest income to average assets | 1.1620% | 878 |
| Noninterest expense to average assets | 2.9825% | 2,609 |
| Loan and lease loss provision to assets | 0.0269% | 3,847 |
| Net operating income to assets | 1.3950% | 1,043 |
| Return on assets (ROA) | 1.4144% | 1,051 |
| Pretax return on assets | 1.4775% | 1,628 |
| Return on Equity (ROE) | 11.3829% | 1,472 |
| Retained earnings to average equity (ytd only) | 5.0621% | 2,370 |
| Net charge-offs to loans | -0.2733% | 6,001 |
| Credit loss provision to net charge-offs | -14.5985% | 4,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5696% | 3,969 |
| Assets per employee ($millions) | 4.0936% | 3,772 |
| Cash dividends to net income (ytd only)* | 55.5292% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 2,691 |
| Loan loss allowance to noncurrent loans | 22,800.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 5,706 |
| Noncurrent loans to loans | 0.0059% | 5,527 |
| Net loans and leases to total assets | 68.1416% | 2,688 |
| Net loans and leases to deposits | 92.8869% | 1,317 |
| Net loans and leases to core deposits | 98.0913% | 1,667 |
| Total domestic deposits to total assets | 73.3598% | 5,699 |
| Equity capital to assets | 12.9469% | 1,380 |
| Core capital (leverage) ratio | 11.1513% | 2,263 |
| Tier 1 risk-based capital ratio | 11.9067% | 5,014 |
| Total risk-based capital ratio | 12.9092% | 5,069 |
| Memoranda: | ||
| Average total assets | $148,971,400 | 3,584 |
| Average earning assets | $133,599,200 | 3,637 |
| Average equity | $18,510,200 | 3,314 |
| Average total loans | $100,249,200 | 3,381 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2513% | 2,396 |
| Cost of funding earning assets | 0.6316% | 1,204 |
| Net interest margin | 3.6197% | 3,083 |
| Noninterest income to average assets | 1.0845% | 1,023 |
| Noninterest expense to average assets | 3.0688% | 2,306 |
| Loan and lease loss provision to assets | 0.0357% | 3,504 |
| Net operating income to assets | 1.1715% | 1,743 |
| Return on assets (ROA) | 1.1970% | 1,723 |
| Pretax return on assets | 1.2550% | 2,577 |
| Return on Equity (ROE) | 9.7342% | 2,200 |
| Retained earnings to average equity (ytd only) | 3.3681% | 4,074 |
| Net charge-offs to loans | -0.3698% | 6,115 |
| Credit loss provision to net charge-offs | -14.4404% | 4,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5921% | 3,269 |
| Assets per employee ($millions) | 4.1718% | 3,579 |
| Cash dividends to net income (ytd only)* | 65.3986% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3465% | 2,876 |
| Loan loss allowance to noncurrent loans | 19,585.7143% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 5,794 |
| Noncurrent loans to loans | 0.0069% | 5,625 |
| Net loans and leases to total assets | 68.7971% | 2,567 |
| Net loans and leases to deposits | 94.4835% | 1,142 |
| Net loans and leases to core deposits | 100.2145% | 1,493 |
| Total domestic deposits to total assets | 72.8139% | 5,805 |
| Equity capital to assets | 12.7524% | 1,585 |
| Core capital (leverage) ratio | 10.7418% | 2,780 |
| Tier 1 risk-based capital ratio | 11.5881% | 5,330 |
| Total risk-based capital ratio | 12.5972% | 5,374 |
| Memoranda: | ||
| Average total assets | $149,371,500 | 3,611 |
| Average earning assets | $134,042,250 | 3,662 |
| Average equity | $18,367,750 | 3,358 |
| Average total loans | $99,864,250 | 3,426 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1780% | 2,623 |
| Cost of funding earning assets | 0.6369% | 1,187 |
| Net interest margin | 3.5410% | 3,333 |
| Noninterest income to average assets | 1.0313% | 1,118 |
| Noninterest expense to average assets | 3.0327% | 2,455 |
| Loan and lease loss provision to assets | 0.0399% | 3,319 |
| Net operating income to assets | 1.0778% | 2,020 |
| Return on assets (ROA) | 1.0778% | 2,126 |
| Pretax return on assets | 1.1283% | 3,061 |
| Return on Equity (ROE) | 8.8713% | 2,621 |
| Retained earnings to average equity (ytd only) | 2.4722% | 4,486 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9269% | 3,174 |
| Assets per employee ($millions) | 4.1756% | 3,517 |
| Cash dividends to net income (ytd only)* | 72.1332% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 4,500 |
| Loan loss allowance to noncurrent loans | 18,066.6667% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 5,800 |
| Noncurrent loans to loans | 0.0059% | 5,748 |
| Net loans and leases to total assets | 66.8135% | 2,815 |
| Net loans and leases to deposits | 89.0453% | 1,713 |
| Net loans and leases to core deposits | 91.6847% | 2,184 |
| Total domestic deposits to total assets | 75.0331% | 5,702 |
| Equity capital to assets | 12.1458% | 1,919 |
| Core capital (leverage) ratio | 9.2949% | 4,561 |
| Tier 1 risk-based capital ratio | 12.0261% | 5,129 |
| Total risk-based capital ratio | 12.9974% | 5,222 |
| Memoranda: | ||
| Average total assets | $150,491,330 | 3,626 |
| Average earning assets | $134,706,000 | 3,688 |
| Average equity | $18,283,670 | 3,384 |
| Average total loans | $99,211,330 | 3,453 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1109% | 2,784 |
| Cost of funding earning assets | 0.6533% | 1,096 |
| Net interest margin | 3.4576% | 3,598 |
| Noninterest income to average assets | 0.9829% | 1,157 |
| Noninterest expense to average assets | 3.0257% | 2,496 |
| Loan and lease loss provision to assets | 0.0398% | 3,113 |
| Net operating income to assets | 0.9510% | 2,500 |
| Return on assets (ROA) | 0.9510% | 2,635 |
| Pretax return on assets | 0.9962% | 3,523 |
| Return on Equity (ROE) | 7.8266% | 3,055 |
| Retained earnings to average equity (ytd only) | 1.4429% | 4,905 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1851% | 2,958 |
| Assets per employee ($millions) | 3.7102% | 4,494 |
| Cash dividends to net income (ytd only)* | 81.5642% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 4,511 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 5,871 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 64.6562% | 2,997 |
| Net loans and leases to deposits | 83.0413% | 2,206 |
| Net loans and leases to core deposits | 85.7514% | 2,578 |
| Total domestic deposits to total assets | 77.8604% | 5,477 |
| Equity capital to assets | 12.4043% | 1,753 |
| Core capital (leverage) ratio | 10.7544% | 2,686 |
| Tier 1 risk-based capital ratio | 15.4843% | 3,152 |
| Total risk-based capital ratio | 16.5066% | 3,213 |
| Memoranda: | ||
| Average total assets | $150,575,500 | 3,643 |
| Average earning assets | $134,081,000 | 3,715 |
| Average equity | $18,296,500 | 3,407 |
| Average total loans | $98,057,000 | 3,490 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2262% | 2,864 |
| Cost of funding earning assets | 0.6509% | 1,397 |
| Net interest margin | 3.5753% | 3,493 |
| Noninterest income to average assets | 1.3381% | 682 |
| Noninterest expense to average assets | 3.1797% | 2,260 |
| Loan and lease loss provision to assets | 0.0135% | 4,350 |
| Net operating income to assets | 1.2680% | 1,378 |
| Return on assets (ROA) | 1.2834% | 1,390 |
| Pretax return on assets | 1.3462% | 2,088 |
| Return on Equity (ROE) | 11.2401% | 1,641 |
| Retained earnings to average equity (ytd only) | 4.2690% | 3,153 |
| Net charge-offs to loans | 0.2325% | 1,814 |
| Credit loss provision to net charge-offs | 9.0498% | 4,111 |
| Earnings coverage of net charge-offs (x) | 9.0045% | 2,804 |
| Efficiency ratio | 69.1045% | 3,690 |
| Assets per employee ($millions) | 4.0196% | 3,909 |
| Cash dividends to net income (ytd only)* | 62.0200% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 4,742 |
| Loan loss allowance to noncurrent loans | 21,080.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 5,957 |
| Noncurrent loans to loans | 0.0050% | 5,905 |
| Net loans and leases to total assets | 64.1836% | 3,199 |
| Net loans and leases to deposits | 81.8563% | 2,491 |
| Net loans and leases to core deposits | 84.7886% | 2,806 |
| Total domestic deposits to total assets | 78.4101% | 5,363 |
| Equity capital to assets | 11.9050% | 2,082 |
| Core capital (leverage) ratio | 10.5323% | 2,910 |
| Tier 1 risk-based capital ratio | 11.3093% | 5,765 |
| Total risk-based capital ratio | 12.0945% | 5,900 |
| Memoranda: | ||
| Average total assets | $148,126,000 | 3,660 |
| Average earning assets | $131,962,000 | 3,723 |
| Average equity | $16,912,600 | 3,540 |
| Average total loans | $95,042,600 | 3,523 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2326% | 2,876 |
| Cost of funding earning assets | 0.6581% | 1,404 |
| Net interest margin | 3.5745% | 3,534 |
| Noninterest income to average assets | 1.2900% | 732 |
| Noninterest expense to average assets | 3.1942% | 2,194 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2172% | 1,621 |
| Return on assets (ROA) | 1.2292% | 1,644 |
| Pretax return on assets | 1.2918% | 2,407 |
| Return on Equity (ROE) | 10.8867% | 1,831 |
| Retained earnings to average equity (ytd only) | 3.8405% | 3,917 |
| Net charge-offs to loans | 0.3134% | 1,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.3801% | 3,093 |
| Efficiency ratio | 70.1886% | 3,478 |
| Assets per employee ($millions) | 3.7007% | 4,489 |
| Cash dividends to net income (ytd only)* | 64.7231% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 4,710 |
| Loan loss allowance to noncurrent loans | 394.6565% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.2314% | 5,291 |
| Noncurrent loans to loans | 0.2807% | 5,069 |
| Net loans and leases to total assets | 63.9441% | 3,180 |
| Net loans and leases to deposits | 81.8316% | 2,451 |
| Net loans and leases to core deposits | 85.4250% | 2,730 |
| Total domestic deposits to total assets | 78.1412% | 5,503 |
| Equity capital to assets | 12.4517% | 1,736 |
| Core capital (leverage) ratio | 10.4327% | 3,118 |
| Tier 1 risk-based capital ratio | 11.7569% | 5,635 |
| Total risk-based capital ratio | 12.5713% | 5,806 |
| Memoranda: | ||
| Average total assets | $146,971,750 | 3,706 |
| Average earning assets | $130,887,000 | 3,772 |
| Average equity | $16,594,750 | 3,605 |
| Average total loans | $94,030,750 | 3,583 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1813% | 3,026 |
| Cost of funding earning assets | 0.6585% | 1,447 |
| Net interest margin | 3.5229% | 3,688 |
| Noninterest income to average assets | 1.0727% | 1,036 |
| Noninterest expense to average assets | 3.1139% | 2,441 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0429% | 2,149 |
| Return on assets (ROA) | 1.0429% | 2,209 |
| Pretax return on assets | 1.0997% | 3,103 |
| Return on Equity (ROE) | 9.5563% | 2,351 |
| Retained earnings to average equity (ytd only) | 2.3054% | 4,729 |
| Net charge-offs to loans | 0.1443% | 2,229 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 11.9559% | 2,100 |
| Efficiency ratio | 72.6164% | 3,224 |
| Assets per employee ($millions) | 3.7231% | 4,408 |
| Cash dividends to net income (ytd only)* | 75.8755% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 4,102 |
| Loan loss allowance to noncurrent loans | 264.0000% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 4,670 |
| Noncurrent loans to loans | 0.4765% | 4,569 |
| Net loans and leases to total assets | 62.6165% | 3,302 |
| Net loans and leases to deposits | 78.2537% | 2,765 |
| Net loans and leases to core deposits | 81.8487% | 2,990 |
| Total domestic deposits to total assets | 80.0173% | 5,232 |
| Equity capital to assets | 11.0150% | 2,862 |
| Core capital (leverage) ratio | 9.0915% | 4,882 |
| Tier 1 risk-based capital ratio | 10.3588% | 6,295 |
| Total risk-based capital ratio | 11.2779% | 6,348 |
| Memoranda: | ||
| Average total assets | $147,853,670 | 3,714 |
| Average earning assets | $131,823,670 | 3,770 |
| Average equity | $16,136,000 | 3,670 |
| Average total loans | $94,267,000 | 3,585 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1660% | 3,005 |
| Cost of funding earning assets | 0.6599% | 1,515 |
| Net interest margin | 3.5061% | 3,663 |
| Noninterest income to average assets | 1.0481% | 1,016 |
| Noninterest expense to average assets | 2.9677% | 2,994 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1567% | 1,608 |
| Return on assets (ROA) | 1.1567% | 1,680 |
| Pretax return on assets | 1.2110% | 2,441 |
| Return on Equity (ROE) | 10.6487% | 1,800 |
| Retained earnings to average equity (ytd only) | 3.3496% | 4,119 |
| Net charge-offs to loans | 0.1359% | 1,896 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 13.9375% | 1,637 |
| Efficiency ratio | 69.7206% | 3,877 |
| Assets per employee ($millions) | 3.4879% | 4,946 |
| Cash dividends to net income (ytd only)* | 68.5446% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 4,126 |
| Loan loss allowance to noncurrent loans | 193.0599% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.5038% | 4,640 |
| Noncurrent loans to loans | 0.6731% | 4,177 |
| Net loans and leases to total assets | 63.4653% | 2,987 |
| Net loans and leases to deposits | 79.7329% | 2,332 |
| Net loans and leases to core deposits | 83.5462% | 2,567 |
| Total domestic deposits to total assets | 79.5974% | 5,570 |
| Equity capital to assets | 11.0246% | 2,693 |
| Core capital (leverage) ratio | 9.1412% | 4,807 |
| Tier 1 risk-based capital ratio | 10.4519% | 6,348 |
| Total risk-based capital ratio | 11.4122% | 6,399 |
| Memoranda: | ||
| Average total assets | $147,318,500 | 3,745 |
| Average earning assets | $131,540,500 | 3,807 |
| Average equity | $16,002,000 | 3,698 |
| Average total loans | $94,181,000 | 3,604 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2462% | 3,164 |
| Cost of funding earning assets | 0.7498% | 1,497 |
| Net interest margin | 3.4964% | 3,927 |
| Noninterest income to average assets | 1.4460% | 661 |
| Noninterest expense to average assets | 3.2710% | 2,216 |
| Loan and lease loss provision to assets | 0.0719% | 3,678 |
| Net operating income to assets | 1.1931% | 1,594 |
| Return on assets (ROA) | 1.1931% | 1,661 |
| Pretax return on assets | 1.2487% | 2,370 |
| Return on Equity (ROE) | 11.1089% | 1,728 |
| Retained earnings to average equity (ytd only) | 2.6825% | 4,330 |
| Net charge-offs to loans | -0.0054% | 5,943 |
| Credit loss provision to net charge-offs | -2,120.0000% | 6,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0576% | 3,830 |
| Assets per employee ($millions) | 3.4453% | 5,002 |
| Cash dividends to net income (ytd only)* | 75.8523% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 3,962 |
| Loan loss allowance to noncurrent loans | 186.3501% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.5252% | 4,665 |
| Noncurrent loans to loans | 0.7157% | 4,173 |
| Net loans and leases to total assets | 62.7158% | 3,250 |
| Net loans and leases to deposits | 79.4362% | 2,530 |
| Net loans and leases to core deposits | 83.7791% | 2,700 |
| Total domestic deposits to total assets | 78.9512% | 5,660 |
| Equity capital to assets | 10.7016% | 2,932 |
| Core capital (leverage) ratio | 8.8424% | 5,226 |
| Tier 1 risk-based capital ratio | 10.2878% | 6,438 |
| Total risk-based capital ratio | 11.2687% | 6,476 |
| Memoranda: | ||
| Average total assets | $147,510,200 | 3,746 |
| Average earning assets | $132,707,400 | 3,780 |
| Average equity | $15,843,200 | 3,730 |
| Average total loans | $91,813,200 | 3,646 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2389% | 3,237 |
| Cost of funding earning assets | 0.7635% | 1,521 |
| Net interest margin | 3.4754% | 3,995 |
| Noninterest income to average assets | 1.5002% | 651 |
| Noninterest expense to average assets | 3.4411% | 1,740 |
| Loan and lease loss provision to assets | 0.0959% | 3,159 |
| Net operating income to assets | 1.0541% | 2,173 |
| Return on assets (ROA) | 1.0541% | 2,257 |
| Pretax return on assets | 1.0976% | 3,126 |
| Return on Equity (ROE) | 9.8058% | 2,258 |
| Retained earnings to average equity (ytd only) | 1.0942% | 5,538 |
| Net charge-offs to loans | -0.0073% | 5,833 |
| Credit loss provision to net charge-offs | -2,120.0000% | 6,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0769% | 3,208 |
| Assets per employee ($millions) | 3.3145% | 5,257 |
| Cash dividends to net income (ytd only)* | 88.8417% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3698% | 4,029 |
| Loan loss allowance to noncurrent loans | 211.0924% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.4793% | 4,993 |
| Noncurrent loans to loans | 0.6489% | 4,573 |
| Net loans and leases to total assets | 62.0095% | 3,359 |
| Net loans and leases to deposits | 79.7056% | 2,448 |
| Net loans and leases to core deposits | 85.0919% | 2,534 |
| Total domestic deposits to total assets | 77.7981% | 5,931 |
| Equity capital to assets | 10.6666% | 3,105 |
| Core capital (leverage) ratio | 8.8429% | 5,339 |
| Tier 1 risk-based capital ratio | 10.0526% | 6,587 |
| Total risk-based capital ratio | 11.0342% | 6,623 |
| Memoranda: | ||
| Average total assets | $147,351,250 | 3,791 |
| Average earning assets | $132,891,750 | 3,819 |
| Average equity | $15,840,500 | 3,767 |
| Average total loans | $91,224,750 | 3,690 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2353% | 3,210 |
| Cost of funding earning assets | 0.7790% | 1,534 |
| Net interest margin | 3.4562% | 3,975 |
| Noninterest income to average assets | 1.5001% | 697 |
| Noninterest expense to average assets | 3.4561% | 1,706 |
| Loan and lease loss provision to assets | 0.1434% | 2,541 |
| Net operating income to assets | 0.9780% | 2,422 |
| Return on assets (ROA) | 0.9780% | 2,573 |
| Pretax return on assets | 1.0213% | 3,411 |
| Return on Equity (ROE) | 9.0742% | 2,578 |
| Retained earnings to average equity (ytd only) | 0.7907% | 5,582 |
| Net charge-offs to loans | -0.0110% | 5,790 |
| Credit loss provision to net charge-offs | -2,120.0000% | 6,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6241% | 3,199 |
| Assets per employee ($millions) | 3.1987% | 5,484 |
| Cash dividends to net income (ytd only)* | 91.2863% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 4,177 |
| Loan loss allowance to noncurrent loans | 261.1227% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.5058% | 5,002 |
| Noncurrent loans to loans | 0.5241% | 4,953 |
| Net loans and leases to total assets | 62.8909% | 3,121 |
| Net loans and leases to deposits | 80.9687% | 2,185 |
| Net loans and leases to core deposits | 85.8434% | 2,348 |
| Total domestic deposits to total assets | 77.6731% | 6,037 |
| Equity capital to assets | 10.6507% | 3,116 |
| Core capital (leverage) ratio | 8.8801% | 5,177 |
| Tier 1 risk-based capital ratio | 10.1196% | 6,605 |
| Total risk-based capital ratio | 11.1142% | 6,642 |
| Memoranda: | ||
| Average total assets | $147,855,330 | 3,810 |
| Average earning assets | $133,497,670 | 3,830 |
| Average equity | $15,935,330 | 3,778 |
| Average total loans | $91,069,670 | 3,700 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2562% | 3,072 |
| Cost of funding earning assets | 0.7997% | 1,526 |
| Net interest margin | 3.4565% | 3,871 |
| Noninterest income to average assets | 1.5192% | 671 |
| Noninterest expense to average assets | 3.4363% | 1,749 |
| Loan and lease loss provision to assets | 0.1949% | 1,900 |
| Net operating income to assets | 0.9612% | 2,394 |
| Return on assets (ROA) | 0.9612% | 2,524 |
| Pretax return on assets | 1.0039% | 3,330 |
| Return on Equity (ROE) | 8.8684% | 2,542 |
| Retained earnings to average equity (ytd only) | 2.9561% | 4,510 |
| Net charge-offs to loans | -0.0220% | 5,758 |
| Credit loss provision to net charge-offs | -1,460.0000% | 5,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9839% | 3,446 |
| Assets per employee ($millions) | 3.2561% | 5,532 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 4,205 |
| Loan loss allowance to noncurrent loans | 250.9240% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.5255% | 5,078 |
| Noncurrent loans to loans | 0.5599% | 5,042 |
| Net loans and leases to total assets | 58.5272% | 3,692 |
| Net loans and leases to deposits | 75.5555% | 2,702 |
| Net loans and leases to core deposits | 81.7988% | 2,600 |
| Total domestic deposits to total assets | 77.4625% | 6,196 |
| Equity capital to assets | 11.1107% | 2,836 |
| Core capital (leverage) ratio | 8.7221% | 5,297 |
| Tier 1 risk-based capital ratio | 10.6903% | 6,528 |
| Total risk-based capital ratio | 11.7092% | 6,574 |
| Memoranda: | ||
| Average total assets | $149,811,500 | 3,810 |
| Average earning assets | $135,049,000 | 3,847 |
| Average equity | $16,237,500 | 3,783 |
| Average total loans | $90,713,000 | 3,734 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3946% | 3,827 |
| Cost of funding earning assets | 0.8729% | 2,117 |
| Net interest margin | 3.5218% | 4,409 |
| Noninterest income to average assets | 1.4704% | 722 |
| Noninterest expense to average assets | 3.3108% | 2,302 |
| Loan and lease loss provision to assets | 0.1196% | 4,127 |
| Net operating income to assets | 1.1916% | 1,630 |
| Return on assets (ROA) | 1.2609% | 1,576 |
| Pretax return on assets | 1.3182% | 2,331 |
| Return on Equity (ROE) | 11.9806% | 1,520 |
| Retained earnings to average equity (ytd only) | 6.8912% | 1,619 |
| Net charge-offs to loans | -0.0599% | 6,735 |
| Credit loss provision to net charge-offs | -352.0833% | 6,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8895% | 3,841 |
| Assets per employee ($millions) | 3.5604% | 4,878 |
| Cash dividends to net income (ytd only)* | 42.4804% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 5,067 |
| Loan loss allowance to noncurrent loans | 284.5771% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4239% | 5,428 |
| Noncurrent loans to loans | 0.4256% | 5,428 |
| Net loans and leases to total assets | 60.9433% | 3,430 |
| Net loans and leases to deposits | 80.9304% | 2,153 |
| Net loans and leases to core deposits | 88.9600% | 1,970 |
| Total domestic deposits to total assets | 75.3034% | 6,424 |
| Equity capital to assets | 10.5782% | 3,427 |
| Core capital (leverage) ratio | 8.0905% | 6,102 |
| Tier 1 risk-based capital ratio | 9.8879% | 6,728 |
| Total risk-based capital ratio | 10.7942% | 6,781 |
| Memoranda: | ||
| Average total assets | $141,326,400 | 3,925 |
| Average earning assets | $128,656,800 | 3,931 |
| Average equity | $14,874,000 | 3,992 |
| Average total loans | $80,143,200 | 4,035 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3637% | 4,192 |
| Cost of funding earning assets | 0.8886% | 2,250 |
| Net interest margin | 3.4751% | 4,735 |
| Noninterest income to average assets | 1.3046% | 867 |
| Noninterest expense to average assets | 3.1583% | 2,688 |
| Loan and lease loss provision to assets | 0.1330% | 3,884 |
| Net operating income to assets | 1.1286% | 1,992 |
| Return on assets (ROA) | 1.1533% | 2,088 |
| Pretax return on assets | 1.2082% | 2,965 |
| Return on Equity (ROE) | 10.9735% | 1,968 |
| Retained earnings to average equity (ytd only) | 6.8940% | 2,185 |
| Net charge-offs to loans | -0.0104% | 6,373 |
| Credit loss provision to net charge-offs | -2,300.0000% | 6,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7394% | 3,740 |
| Assets per employee ($millions) | 3.7556% | 4,413 |
| Cash dividends to net income (ytd only)* | 37.1764% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 5,297 |
| Loan loss allowance to noncurrent loans | 324.5455% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.3747% | 5,764 |
| Noncurrent loans to loans | 0.3688% | 5,742 |
| Net loans and leases to total assets | 57.4094% | 4,216 |
| Net loans and leases to deposits | 73.2550% | 3,399 |
| Net loans and leases to core deposits | 81.8570% | 2,980 |
| Total domestic deposits to total assets | 78.3693% | 6,000 |
| Equity capital to assets | 10.5773% | 3,759 |
| Core capital (leverage) ratio | 8.0226% | 6,310 |
| Tier 1 risk-based capital ratio | 10.1142% | 6,772 |
| Total risk-based capital ratio | 11.0030% | 6,845 |
| Memoranda: | ||
| Average total assets | $138,383,500 | 4,016 |
| Average earning assets | $126,188,750 | 4,012 |
| Average equity | $14,543,750 | 4,089 |
| Average total loans | $76,567,250 | 4,185 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2554% | 4,736 |
| Cost of funding earning assets | 0.8913% | 2,471 |
| Net interest margin | 3.3642% | 5,219 |
| Noninterest income to average assets | 1.2329% | 939 |
| Noninterest expense to average assets | 3.1355% | 2,804 |
| Loan and lease loss provision to assets | 0.1592% | 3,528 |
| Net operating income to assets | 0.9584% | 2,620 |
| Return on assets (ROA) | 0.9926% | 2,722 |
| Pretax return on assets | 1.0407% | 3,557 |
| Return on Equity (ROE) | 9.4681% | 2,585 |
| Retained earnings to average equity (ytd only) | 5.1136% | 3,214 |
| Net charge-offs to loans | -0.0166% | 6,389 |
| Credit loss provision to net charge-offs | -1,766.6667% | 6,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5114% | 3,339 |
| Assets per employee ($millions) | 3.6660% | 4,602 |
| Cash dividends to net income (ytd only)* | 45.9909% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1776% | 5,452 |
| Loan loss allowance to noncurrent loans | 305.5882% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 5,578 |
| Noncurrent loans to loans | 0.3853% | 5,763 |
| Net loans and leases to total assets | 56.6312% | 4,376 |
| Net loans and leases to deposits | 71.6098% | 3,670 |
| Net loans and leases to core deposits | 79.6134% | 3,267 |
| Total domestic deposits to total assets | 79.0829% | 5,948 |
| Equity capital to assets | 10.1292% | 4,151 |
| Core capital (leverage) ratio | 8.4402% | 5,730 |
| Tier 1 risk-based capital ratio | 10.0078% | 6,825 |
| Total risk-based capital ratio | 10.8908% | 6,891 |
| Memoranda: | ||
| Average total assets | $133,184,670 | 4,138 |
| Average earning assets | $121,397,330 | 4,141 |
| Average equity | $13,962,670 | 4,202 |
| Average total loans | $72,266,330 | 4,336 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1493% | 5,277 |
| Cost of funding earning assets | 0.9201% | 2,520 |
| Net interest margin | 3.2293% | 5,703 |
| Noninterest income to average assets | 1.2151% | 972 |
| Noninterest expense to average assets | 3.2022% | 2,589 |
| Loan and lease loss provision to assets | 0.1466% | 3,531 |
| Net operating income to assets | 0.7641% | 3,548 |
| Return on assets (ROA) | 0.7981% | 3,625 |
| Pretax return on assets | 0.8404% | 4,262 |
| Return on Equity (ROE) | 7.4547% | 3,524 |
| Retained earnings to average equity (ytd only) | 2.0691% | 5,233 |
| Net charge-offs to loans | -0.0373% | 6,429 |
| Credit loss provision to net charge-offs | -750.0000% | 5,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0980% | 2,632 |
| Assets per employee ($millions) | 3.5609% | 4,976 |
| Cash dividends to net income (ytd only)* | 72.2449% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5509% | 3,938 |
| Loan loss allowance to noncurrent loans | 260.1064% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.7855% | 4,977 |
| Noncurrent loans to loans | 0.5963% | 5,467 |
| Net loans and leases to total assets | 51.2773% | 5,107 |
| Net loans and leases to deposits | 67.5656% | 4,138 |
| Net loans and leases to core deposits | 76.4773% | 3,561 |
| Total domestic deposits to total assets | 75.8927% | 6,555 |
| Equity capital to assets | 10.8531% | 3,081 |
| Core capital (leverage) ratio | 9.3489% | 4,286 |
| Tier 1 risk-based capital ratio | 12.7016% | 5,442 |
| Total risk-based capital ratio | 13.7812% | 5,543 |
| Memoranda: | ||
| Average total assets | $122,792,000 | 4,382 |
| Average earning assets | $111,728,500 | 4,393 |
| Average equity | $13,146,000 | 4,378 |
| Average total loans | $64,282,500 | 4,655 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2148% | 6,013 |
| Cost of funding earning assets | 1.0569% | 2,972 |
| Net interest margin | 3.1579% | 6,198 |
| Noninterest income to average assets | 1.1071% | 1,084 |
| Noninterest expense to average assets | 2.8047% | 4,331 |
| Loan and lease loss provision to assets | 0.2413% | 3,796 |
| Net operating income to assets | 0.8789% | 2,698 |
| Return on assets (ROA) | 0.8789% | 2,833 |
| Pretax return on assets | 0.9184% | 3,550 |
| Return on Equity (ROE) | 8.7425% | 2,569 |
| Retained earnings to average equity (ytd only) | 6.6531% | 1,664 |
| Net charge-offs to loans | 0.3567% | 3,621 |
| Credit loss provision to net charge-offs | 131.9820% | 2,308 |
| Earnings coverage of net charge-offs (x) | 6.3423% | 2,537 |
| Efficiency ratio | 70.3304% | 3,882 |
| Assets per employee ($millions) | 3.7731% | 4,384 |
| Cash dividends to net income (ytd only)* | 23.8988% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 4,393 |
| Loan loss allowance to noncurrent loans | 239.5349% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.7887% | 5,059 |
| Noncurrent loans to loans | 0.5908% | 5,532 |
| Net loans and leases to total assets | 51.8645% | 5,332 |
| Net loans and leases to deposits | 71.7310% | 3,837 |
| Net loans and leases to core deposits | 81.8749% | 3,197 |
| Total domestic deposits to total assets | 72.3041% | 6,856 |
| Equity capital to assets | 10.5628% | 3,460 |
| Core capital (leverage) ratio | 9.3820% | 4,206 |
| Tier 1 risk-based capital ratio | 12.3368% | 5,588 |
| Total risk-based capital ratio | 13.3371% | 5,753 |
| Memoranda: | ||
| Average total assets | $121,401,800 | 4,361 |
| Average earning assets | $109,850,200 | 4,398 |
| Average equity | $12,204,800 | 4,504 |
| Average total loans | $62,242,400 | 4,785 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1821% | 6,251 |
| Cost of funding earning assets | 1.0867% | 3,067 |
| Net interest margin | 3.0953% | 6,390 |
| Noninterest income to average assets | 0.8810% | 1,715 |
| Noninterest expense to average assets | 2.7291% | 4,619 |
| Loan and lease loss provision to assets | 0.2211% | 3,807 |
| Net operating income to assets | 0.6986% | 3,628 |
| Return on assets (ROA) | 0.6986% | 3,798 |
| Pretax return on assets | 0.7328% | 4,370 |
| Return on Equity (ROE) | 7.0409% | 3,508 |
| Retained earnings to average equity (ytd only) | 7.0409% | 1,948 |
| Net charge-offs to loans | 0.1433% | 4,629 |
| Credit loss provision to net charge-offs | 303.0303% | 938 |
| Earnings coverage of net charge-offs (x) | 13.0755% | 1,647 |
| Efficiency ratio | 73.7095% | 3,237 |
| Assets per employee ($millions) | 3.6519% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5585% | 3,854 |
| Loan loss allowance to noncurrent loans | 108.6718% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 1.2978% | 4,213 |
| Noncurrent loans to loans | 1.4342% | 4,141 |
| Net loans and leases to total assets | 51.8873% | 5,462 |
| Net loans and leases to deposits | 70.9378% | 4,150 |
| Net loans and leases to core deposits | 80.5760% | 3,553 |
| Total domestic deposits to total assets | 73.1448% | 6,842 |
| Equity capital to assets | 10.7250% | 3,448 |
| Core capital (leverage) ratio | 9.3074% | 4,441 |
| Tier 1 risk-based capital ratio | 12.8244% | 5,227 |
| Total risk-based capital ratio | 13.9534% | 5,304 |
| Memoranda: | ||
| Average total assets | $120,624,000 | 4,401 |
| Average earning assets | $109,193,500 | 4,444 |
| Average equity | $11,968,000 | 4,577 |
| Average total loans | $61,426,750 | 4,849 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1124% | 6,467 |
| Cost of funding earning assets | 1.1133% | 3,142 |
| Net interest margin | 2.9992% | 6,612 |
| Noninterest income to average assets | 0.8387% | 1,846 |
| Noninterest expense to average assets | 2.7565% | 4,605 |
| Loan and lease loss provision to assets | 0.3315% | 2,792 |
| Net operating income to assets | 0.4459% | 4,739 |
| Return on assets (ROA) | 0.4459% | 4,879 |
| Pretax return on assets | 0.4658% | 5,179 |
| Return on Equity (ROE) | 4.6184% | 4,636 |
| Retained earnings to average equity (ytd only) | 4.6184% | 3,248 |
| Net charge-offs to loans | 0.1054% | 4,631 |
| Credit loss provision to net charge-offs | 625.0000% | 501 |
| Earnings coverage of net charge-offs (x) | 15.0313% | 1,436 |
| Efficiency ratio | 77.1922% | 2,828 |
| Assets per employee ($millions) | 3.9550% | 3,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7003% | 3,328 |
| Loan loss allowance to noncurrent loans | 81.3344% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.5356% | 3,901 |
| Noncurrent loans to loans | 2.0905% | 3,361 |
| Net loans and leases to total assets | 49.8951% | 5,837 |
| Net loans and leases to deposits | 66.5015% | 4,920 |
| Net loans and leases to core deposits | 75.5375% | 4,373 |
| Total domestic deposits to total assets | 75.0284% | 6,722 |
| Equity capital to assets | 10.3261% | 3,718 |
| Core capital (leverage) ratio | 9.2520% | 4,322 |
| Tier 1 risk-based capital ratio | 13.0333% | 4,889 |
| Total risk-based capital ratio | 14.2602% | 4,889 |
| Memoranda: | ||
| Average total assets | $120,661,000 | 4,434 |
| Average earning assets | $109,229,330 | 4,471 |
| Average equity | $11,649,000 | 4,657 |
| Average total loans | $60,728,670 | 4,928 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9842% | 6,724 |
| Cost of funding earning assets | 1.1285% | 3,300 |
| Net interest margin | 2.8557% | 6,823 |
| Noninterest income to average assets | 0.7101% | 2,520 |
| Noninterest expense to average assets | 2.7551% | 4,625 |
| Loan and lease loss provision to assets | 0.4110% | 2,136 |
| Net operating income to assets | 0.1249% | 6,026 |
| Return on assets (ROA) | 0.1249% | 6,085 |
| Pretax return on assets | 0.1315% | 6,098 |
| Return on Equity (ROE) | 1.3395% | 6,040 |
| Retained earnings to average equity (ytd only) | 1.3395% | 5,291 |
| Net charge-offs to loans | -0.0459% | 6,852 |
| Credit loss provision to net charge-offs | -1,785.7143% | 6,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0508% | 2,071 |
| Assets per employee ($millions) | 3.4852% | 5,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7215% | 3,274 |
| Loan loss allowance to noncurrent loans | 52.0548% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 2.1693% | 3,105 |
| Noncurrent loans to loans | 3.3071% | 2,273 |
| Net loans and leases to total assets | 49.0405% | 5,954 |
| Net loans and leases to deposits | 63.6366% | 5,300 |
| Net loans and leases to core deposits | 72.1875% | 4,766 |
| Total domestic deposits to total assets | 77.0635% | 6,526 |
| Equity capital to assets | 9.9424% | 3,850 |
| Core capital (leverage) ratio | 8.6806% | 5,118 |
| Tier 1 risk-based capital ratio | 13.3180% | 4,560 |
| Total risk-based capital ratio | 14.5542% | 4,555 |
| Memoranda: | ||
| Average total assets | $121,666,000 | 4,428 |
| Average earning assets | $110,236,500 | 4,463 |
| Average equity | $11,347,500 | 4,707 |
| Average total loans | $60,980,500 | 4,962 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5780% | 6,174 |
| Cost of funding earning assets | 1.3614% | 3,508 |
| Net interest margin | 3.2166% | 6,230 |
| Noninterest income to average assets | 0.2671% | 5,879 |
| Noninterest expense to average assets | 2.6571% | 5,189 |
| Loan and lease loss provision to assets | 0.5218% | 3,065 |
| Net operating income to assets | 0.0275% | 5,759 |
| Return on assets (ROA) | 0.0549% | 5,835 |
| Pretax return on assets | 0.0433% | 5,805 |
| Return on Equity (ROE) | 0.5751% | 5,816 |
| Retained earnings to average equity (ytd only) | 0.5751% | 5,294 |
| Net charge-offs to loans | 1.6001% | 1,357 |
| Credit loss provision to net charge-offs | 57.9482% | 6,116 |
| Earnings coverage of net charge-offs (x) | 0.5970% | 5,507 |
| Efficiency ratio | 82.6517% | 2,086 |
| Assets per employee ($millions) | 3.8885% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 4,874 |
| Loan loss allowance to noncurrent loans | 53.3666% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 1.7238% | 3,717 |
| Noncurrent loans to loans | 2.4841% | 3,042 |
| Net loans and leases to total assets | 49.6528% | 6,195 |
| Net loans and leases to deposits | 70.9139% | 4,699 |
| Net loans and leases to core deposits | 80.4033% | 4,155 |
| Total domestic deposits to total assets | 70.0185% | 7,233 |
| Equity capital to assets | 8.7750% | 5,476 |
| Core capital (leverage) ratio | 9.0011% | 4,555 |
| Tier 1 risk-based capital ratio | 12.4228% | 5,089 |
| Total risk-based capital ratio | 13.4260% | 5,288 |
| Memoranda: | ||
| Average total assets | $120,166,800 | 4,479 |
| Average earning assets | $109,370,200 | 4,482 |
| Average equity | $11,476,800 | 4,739 |
| Average total loans | $67,621,000 | 4,763 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7187% | 5,950 |
| Cost of funding earning assets | 1.4399% | 3,331 |
| Net interest margin | 3.2788% | 6,084 |
| Noninterest income to average assets | 0.3183% | 5,606 |
| Noninterest expense to average assets | 2.6806% | 4,960 |
| Loan and lease loss provision to assets | 0.7077% | 2,163 |
| Net operating income to assets | -0.0632% | 6,129 |
| Return on assets (ROA) | -0.0632% | 6,235 |
| Pretax return on assets | -0.0835% | 6,207 |
| Return on Equity (ROE) | -0.6475% | 6,246 |
| Retained earnings to average equity (ytd only) | -0.6475% | 5,955 |
| Net charge-offs to loans | 0.7662% | 2,510 |
| Credit loss provision to net charge-offs | 159.5420% | 2,380 |
| Earnings coverage of net charge-offs (x) | 1.4071% | 4,677 |
| Efficiency ratio | 80.6011% | 2,266 |
| Assets per employee ($millions) | 3.5728% | 4,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4314% | 1,429 |
| Loan loss allowance to noncurrent loans | 82.9753% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 2.5453% | 2,819 |
| Noncurrent loans to loans | 2.9303% | 2,722 |
| Net loans and leases to total assets | 54.2291% | 5,817 |
| Net loans and leases to deposits | 79.5338% | 3,539 |
| Net loans and leases to core deposits | 85.5772% | 3,718 |
| Total domestic deposits to total assets | 68.1836% | 7,368 |
| Equity capital to assets | 10.2678% | 3,806 |
| Core capital (leverage) ratio | 8.8755% | 4,882 |
| Tier 1 risk-based capital ratio | 13.0033% | 4,577 |
| Total risk-based capital ratio | 14.2611% | 4,545 |
| Memoranda: | ||
| Average total assets | $118,128,750 | 4,579 |
| Average earning assets | $107,598,250 | 4,580 |
| Average equity | $11,531,000 | 4,797 |
| Average total loans | $68,383,750 | 4,811 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8096% | 5,765 |
| Cost of funding earning assets | 1.4790% | 3,374 |
| Net interest margin | 3.3306% | 5,903 |
| Noninterest income to average assets | 0.0687% | 7,236 |
| Noninterest expense to average assets | 2.8443% | 4,294 |
| Loan and lease loss provision to assets | 1.0503% | 1,379 |
| Net operating income to assets | -0.7236% | 6,819 |
| Return on assets (ROA) | -0.7236% | 6,833 |
| Pretax return on assets | -0.7856% | 6,779 |
| Return on Equity (ROE) | -7.5382% | 6,866 |
| Retained earnings to average equity (ytd only) | -7.5382% | 6,780 |
| Net charge-offs to loans | 1.1229% | 1,686 |
| Credit loss provision to net charge-offs | 159.5420% | 2,466 |
| Earnings coverage of net charge-offs (x) | 0.4020% | 5,329 |
| Efficiency ratio | 90.9483% | 1,266 |
| Assets per employee ($millions) | 3.7539% | 4,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4819% | 1,325 |
| Loan loss allowance to noncurrent loans | 158.4615% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 1.7898% | 3,770 |
| Noncurrent loans to loans | 1.5663% | 4,360 |
| Net loans and leases to total assets | 50.5349% | 6,371 |
| Net loans and leases to deposits | 73.8486% | 4,699 |
| Net loans and leases to core deposits | 80.2966% | 4,660 |
| Total domestic deposits to total assets | 68.4304% | 7,411 |
| Equity capital to assets | 9.3486% | 4,933 |
| Core capital (leverage) ratio | 8.6792% | 5,113 |
| Tier 1 risk-based capital ratio | 12.3713% | 4,973 |
| Total risk-based capital ratio | 13.6289% | 4,948 |
| Memoranda: | ||
| Average total assets | $119,395,670 | 4,578 |
| Average earning assets | $108,991,000 | 4,584 |
| Average equity | $11,461,670 | 4,813 |
| Average total loans | $69,997,000 | 4,793 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0562% | 4,752 |
| Cost of funding earning assets | 1.5324% | 3,365 |
| Net interest margin | 3.5238% | 5,068 |
| Noninterest income to average assets | 0.6788% | 2,745 |
| Noninterest expense to average assets | 3.0211% | 3,600 |
| Loan and lease loss provision to assets | 1.2669% | 961 |
| Net operating income to assets | -0.3461% | 6,707 |
| Return on assets (ROA) | -0.3461% | 6,757 |
| Pretax return on assets | -0.4100% | 6,725 |
| Return on Equity (ROE) | -3.5586% | 6,783 |
| Retained earnings to average equity (ytd only) | -3.5586% | 6,436 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4697% | 2,979 |
| Assets per employee ($millions) | 3.4568% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3495% | 1,497 |
| Loan loss allowance to noncurrent loans | 169.6482% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 2.5557% | 2,840 |
| Noncurrent loans to loans | 1.3849% | 4,659 |
| Net loans and leases to total assets | 63.4242% | 4,443 |
| Net loans and leases to deposits | 89.4884% | 1,987 |
| Net loans and leases to core deposits | 97.0226% | 2,457 |
| Total domestic deposits to total assets | 70.8743% | 7,351 |
| Equity capital to assets | 10.3917% | 3,354 |
| Core capital (leverage) ratio | 8.7411% | 4,953 |
| Tier 1 risk-based capital ratio | 12.1011% | 5,087 |
| Total risk-based capital ratio | 13.3604% | 5,046 |
| Memoranda: | ||
| Average total assets | $119,031,000 | 4,654 |
| Average earning assets | $108,065,000 | 4,655 |
| Average equity | $11,577,500 | 4,823 |
| Average total loans | $73,870,500 | 4,719 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4544% | 4,418 |
| Cost of funding earning assets | 1.9434% | 3,244 |
| Net interest margin | 3.5110% | 4,907 |
| Noninterest income to average assets | 0.6868% | 3,049 |
| Noninterest expense to average assets | 2.6434% | 5,619 |
| Loan and lease loss provision to assets | 1.0068% | 2,263 |
| Net operating income to assets | 0.2390% | 4,763 |
| Return on assets (ROA) | 0.2965% | 4,623 |
| Pretax return on assets | 0.3149% | 4,721 |
| Return on Equity (ROE) | 3.1379% | 4,446 |
| Retained earnings to average equity (ytd only) | -3.5101% | 5,792 |
| Net charge-offs to loans | 1.3590% | 1,839 |
| Credit loss provision to net charge-offs | 111.0906% | 4,950 |
| Earnings coverage of net charge-offs (x) | 1.3909% | 4,746 |
| Efficiency ratio | 67.2817% | 5,134 |
| Assets per employee ($millions) | 4.1111% | 3,593 |
| Cash dividends to net income (ytd only)* | 211.8644% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7274% | 2,796 |
| Loan loss allowance to noncurrent loans | 170.7031% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 1.9318% | 3,482 |
| Noncurrent loans to loans | 1.0119% | 5,290 |
| Net loans and leases to total assets | 58.5225% | 5,572 |
| Net loans and leases to deposits | 82.5428% | 3,535 |
| Net loans and leases to core deposits | 90.7602% | 5,048 |
| Total domestic deposits to total assets | 70.8996% | 7,350 |
| Equity capital to assets | 9.1490% | 4,917 |
| Core capital (leverage) ratio | 9.1078% | 4,256 |
| Tier 1 risk-based capital ratio | 11.0813% | 5,845 |
| Total risk-based capital ratio | 12.3332% | 5,796 |
| Memoranda: | ||
| Average total assets | $119,389,800 | 4,589 |
| Average earning assets | $109,398,200 | 4,584 |
| Average equity | $11,281,600 | 4,951 |
| Average total loans | $79,617,400 | 4,526 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6202% | 3,740 |
| Cost of funding earning assets | 2.0876% | 2,943 |
| Net interest margin | 3.5326% | 4,733 |
| Noninterest income to average assets | 0.8485% | 2,211 |
| Noninterest expense to average assets | 3.0204% | 3,968 |
| Loan and lease loss provision to assets | 0.7531% | 2,488 |
| Net operating income to assets | 0.2952% | 4,806 |
| Return on assets (ROA) | 0.3714% | 4,618 |
| Pretax return on assets | 0.4044% | 4,792 |
| Return on Equity (ROE) | 3.8973% | 4,418 |
| Retained earnings to average equity (ytd only) | -3.8496% | 6,089 |
| Net charge-offs to loans | 1.0610% | 1,873 |
| Credit loss provision to net charge-offs | 103.4321% | 4,920 |
| Earnings coverage of net charge-offs (x) | 1.4758% | 4,681 |
| Efficiency ratio | 73.3426% | 3,989 |
| Assets per employee ($millions) | 3.8393% | 4,103 |
| Cash dividends to net income (ytd only)* | 198.7775% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6114% | 2,947 |
| Loan loss allowance to noncurrent loans | 104.4789% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 2.5687% | 2,703 |
| Noncurrent loans to loans | 1.5423% | 4,330 |
| Net loans and leases to total assets | 66.5182% | 4,300 |
| Net loans and leases to deposits | 94.6903% | 1,769 |
| Net loans and leases to core deposits | 106.1592% | 3,685 |
| Total domestic deposits to total assets | 70.2482% | 7,394 |
| Equity capital to assets | 10.6573% | 3,338 |
| Core capital (leverage) ratio | 8.6918% | 5,143 |
| Tier 1 risk-based capital ratio | 11.7287% | 5,218 |
| Total risk-based capital ratio | 12.9799% | 5,162 |
| Memoranda: | ||
| Average total assets | $117,376,000 | 4,662 |
| Average earning assets | $107,869,750 | 4,655 |
| Average equity | $11,187,000 | 5,025 |
| Average total loans | $80,548,000 | 4,537 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6630% | 3,750 |
| Cost of funding earning assets | 2.1480% | 3,053 |
| Net interest margin | 3.5150% | 4,735 |
| Noninterest income to average assets | 0.7488% | 2,710 |
| Noninterest expense to average assets | 2.6602% | 5,521 |
| Loan and lease loss provision to assets | 1.6467% | 1,015 |
| Net operating income to assets | -0.3129% | 6,336 |
| Return on assets (ROA) | -0.1943% | 6,204 |
| Pretax return on assets | -0.2010% | 6,124 |
| Return on Equity (ROE) | -2.1167% | 6,241 |
| Retained earnings to average equity (ytd only) | -10.3461% | 6,907 |
| Net charge-offs to loans | 1.7909% | 1,057 |
| Credit loss provision to net charge-offs | 133.3786% | 3,494 |
| Earnings coverage of net charge-offs (x) | 1.0719% | 4,717 |
| Efficiency ratio | 66.3583% | 5,488 |
| Assets per employee ($millions) | 3.9876% | 3,703 |
| Cash dividends to net income (ytd only)* | -388.7931% | 8,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7649% | 2,140 |
| Loan loss allowance to noncurrent loans | 78.1403% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 3.0586% | 2,067 |
| Noncurrent loans to loans | 2.2586% | 3,175 |
| Net loans and leases to total assets | 64.7047% | 4,834 |
| Net loans and leases to deposits | 89.8416% | 2,859 |
| Net loans and leases to core deposits | 101.0384% | 4,397 |
| Total domestic deposits to total assets | 72.0208% | 7,240 |
| Equity capital to assets | 9.2738% | 4,915 |
| Core capital (leverage) ratio | 8.2161% | 5,955 |
| Tier 1 risk-based capital ratio | 10.7027% | 6,178 |
| Total risk-based capital ratio | 11.9559% | 6,121 |
| Memoranda: | ||
| Average total assets | $119,387,670 | 4,655 |
| Average earning assets | $109,871,000 | 4,629 |
| Average equity | $10,960,670 | 5,097 |
| Average total loans | $82,305,670 | 4,517 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8652% | 2,961 |
| Cost of funding earning assets | 2.1902% | 3,210 |
| Net interest margin | 3.6751% | 3,995 |
| Noninterest income to average assets | 0.6958% | 2,915 |
| Noninterest expense to average assets | 2.6536% | 5,206 |
| Loan and lease loss provision to assets | 3.3017% | 321 |
| Net operating income to assets | -1.8012% | 7,602 |
| Return on assets (ROA) | -1.5622% | 7,526 |
| Pretax return on assets | -1.6338% | 7,415 |
| Return on Equity (ROE) | -17.1071% | 7,680 |
| Retained earnings to average equity (ytd only) | -20.8423% | 7,669 |
| Net charge-offs to loans | 1.4937% | 968 |
| Credit loss provision to net charge-offs | 313.2686% | 1,560 |
| Earnings coverage of net charge-offs (x) | 1.3463% | 4,066 |
| Efficiency ratio | 65.1591% | 5,478 |
| Assets per employee ($millions) | 3.8486% | 3,985 |
| Cash dividends to net income (ytd only)* | -21.8341% | 8,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2618% | 998 |
| Loan loss allowance to noncurrent loans | 138.2661% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 2.7450% | 2,069 |
| Noncurrent loans to loans | 1.6358% | 3,822 |
| Net loans and leases to total assets | 67.0084% | 4,342 |
| Net loans and leases to deposits | 95.4260% | 2,050 |
| Net loans and leases to core deposits | 104.3968% | 4,096 |
| Total domestic deposits to total assets | 70.2203% | 7,407 |
| Equity capital to assets | 8.7380% | 5,708 |
| Core capital (leverage) ratio | 7.9792% | 6,491 |
| Tier 1 risk-based capital ratio | 9.6171% | 7,323 |
| Total risk-based capital ratio | 10.8756% | 7,253 |
| Memoranda: | ||
| Average total assets | $117,273,000 | 4,725 |
| Average earning assets | $107,753,500 | 4,694 |
| Average equity | $10,709,000 | 5,183 |
| Average total loans | $82,747,000 | 4,537 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1465% | 4,794 |
| Cost of funding earning assets | 2.6998% | 3,156 |
| Net interest margin | 3.4467% | 5,478 |
| Noninterest income to average assets | 0.8919% | 1,991 |
| Noninterest expense to average assets | 2.6022% | 5,643 |
| Loan and lease loss provision to assets | 0.1020% | 6,079 |
| Net operating income to assets | 1.3105% | 1,456 |
| Return on assets (ROA) | 1.3829% | 1,223 |
| Pretax return on assets | 1.4463% | 1,834 |
| Return on Equity (ROE) | 15.6845% | 816 |
| Retained earnings to average equity (ytd only) | 10.3397% | 405 |
| Net charge-offs to loans | 0.1415% | 4,801 |
| Credit loss provision to net charge-offs | 107.2072% | 5,006 |
| Earnings coverage of net charge-offs (x) | 15.4865% | 1,927 |
| Efficiency ratio | 63.8562% | 5,591 |
| Assets per employee ($millions) | 3.7174% | 4,137 |
| Cash dividends to net income (ytd only)* | 34.0768% | 3,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 3,068 |
| Loan loss allowance to noncurrent loans | 90.9855% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.7529% | 2,789 |
| Noncurrent loans to loans | 1.5639% | 3,440 |
| Net loans and leases to total assets | 71.5967% | 3,672 |
| Net loans and leases to deposits | 110.2252% | 815 |
| Net loans and leases to core deposits | 121.5749% | 2,549 |
| Total domestic deposits to total assets | 64.9549% | 7,727 |
| Equity capital to assets | 9.5392% | 4,627 |
| Core capital (leverage) ratio | 8.6229% | 5,341 |
| Tier 1 risk-based capital ratio | 9.8979% | 6,852 |
| Total risk-based capital ratio | 11.0898% | 6,798 |
| Memoranda: | ||
| Average total assets | $116,710,600 | 4,596 |
| Average earning assets | $107,785,000 | 4,568 |
| Average equity | $10,290,400 | 5,322 |
| Average total loans | $78,455,800 | 4,571 |