Home > Advantage Community Bank > Performance and Condition Ratios
Advantage Community Bank, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6260% | 4,221 |
| Cost of funding earning assets | 0.4824% | 3,642 |
| Net interest margin | 3.1436% | 3,799 |
| Noninterest income to average assets | 0.8834% | 1,209 |
| Noninterest expense to average assets | 2.0741% | 4,089 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3483% | 1,225 |
| Return on assets (ROA) | 1.3483% | 1,320 |
| Pretax return on assets | 1.7551% | 882 |
| Return on Equity (ROE) | 10.2653% | 1,903 |
| Retained earnings to average equity (ytd only) | 9.7737% | 836 |
| Net charge-offs to loans | -0.0022% | 3,835 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1653% | 4,162 |
| Assets per employee ($millions) | 6.4013% | 1,861 |
| Cash dividends to net income (ytd only)* | 4.7893% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 1,996 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 55.0287% | 3,776 |
| Net loans and leases to deposits | 65.2408% | 3,785 |
| Net loans and leases to core deposits | 66.7627% | 3,938 |
| Total domestic deposits to total assets | 84.3470% | 2,613 |
| Equity capital to assets | 13.1585% | 1,094 |
| Core capital (leverage) ratio | 12.9274% | 1,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0420% | 667 |
| Memoranda: | ||
| Average total assets | $154,862,000 | 3,305 |
| Average earning assets | $145,118,667 | 3,276 |
| Average equity | $20,340,333 | 3,145 |
| Average total loans | $92,412,000 | 3,362 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8633% | 4,105 |
| Cost of funding earning assets | 0.5567% | 3,654 |
| Net interest margin | 3.3066% | 3,577 |
| Noninterest income to average assets | 0.6120% | 1,986 |
| Noninterest expense to average assets | 2.1776% | 4,067 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1821% | 1,581 |
| Return on assets (ROA) | 1.1821% | 1,699 |
| Pretax return on assets | 1.5235% | 1,248 |
| Return on Equity (ROE) | 9.0083% | 2,110 |
| Retained earnings to average equity (ytd only) | 9.0083% | 974 |
| Net charge-offs to loans | -0.0043% | 3,809 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8361% | 3,896 |
| Assets per employee ($millions) | 5.5345% | 2,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 2,465 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 62.0041% | 3,297 |
| Net loans and leases to deposits | 73.7726% | 3,292 |
| Net loans and leases to core deposits | 75.4389% | 3,534 |
| Total domestic deposits to total assets | 84.0476% | 2,773 |
| Equity capital to assets | 13.5239% | 1,211 |
| Core capital (leverage) ratio | 13.1224% | 1,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3951% | 817 |
| Memoranda: | ||
| Average total assets | $152,276,500 | 3,298 |
| Average earning assets | $142,261,500 | 3,276 |
| Average equity | $19,981,500 | 3,175 |
| Average total loans | $94,005,500 | 3,319 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0221% | 4,206 |
| Cost of funding earning assets | 0.5528% | 3,860 |
| Net interest margin | 3.4693% | 3,538 |
| Noninterest income to average assets | 0.4181% | 3,186 |
| Noninterest expense to average assets | 2.0825% | 4,392 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2161% | 1,998 |
| Return on assets (ROA) | 1.2161% | 2,088 |
| Pretax return on assets | 1.5664% | 1,602 |
| Return on Equity (ROE) | 9.5090% | 2,515 |
| Retained earnings to average equity (ytd only) | 4.1300% | 2,900 |
| Net charge-offs to loans | -0.0022% | 4,230 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0719% | 4,083 |
| Assets per employee ($millions) | 5.7452% | 1,841 |
| Cash dividends to net income (ytd only)* | 56.5673% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 2,282 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 59.9764% | 3,584 |
| Net loans and leases to deposits | 70.5641% | 3,622 |
| Net loans and leases to core deposits | 72.3481% | 3,837 |
| Total domestic deposits to total assets | 84.9956% | 2,496 |
| Equity capital to assets | 12.7346% | 1,686 |
| Core capital (leverage) ratio | 12.7948% | 1,335 |
| Tier 1 risk-based capital ratio | 18.6951% | 1,591 |
| Total risk-based capital ratio | 19.8293% | 1,584 |
| Memoranda: | ||
| Average total assets | $149,000,600 | 3,314 |
| Average earning assets | $138,758,200 | 3,296 |
| Average equity | $19,055,600 | 3,218 |
| Average total loans | $92,686,200 | 3,346 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0467% | 4,267 |
| Cost of funding earning assets | 0.5473% | 3,946 |
| Net interest margin | 3.4994% | 3,568 |
| Noninterest income to average assets | 0.4032% | 3,295 |
| Noninterest expense to average assets | 2.0324% | 4,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2639% | 1,971 |
| Return on assets (ROA) | 1.2639% | 2,048 |
| Pretax return on assets | 1.6310% | 1,522 |
| Return on Equity (ROE) | 9.8721% | 2,490 |
| Retained earnings to average equity (ytd only) | 2.6340% | 4,035 |
| Net charge-offs to loans | -0.0029% | 4,098 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4788% | 4,218 |
| Assets per employee ($millions) | 5.3132% | 2,203 |
| Cash dividends to net income (ytd only)* | 73.3190% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 2,259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 61.8146% | 3,508 |
| Net loans and leases to deposits | 73.1178% | 3,547 |
| Net loans and leases to core deposits | 75.0555% | 3,759 |
| Total domestic deposits to total assets | 84.5411% | 2,608 |
| Equity capital to assets | 12.9872% | 1,636 |
| Core capital (leverage) ratio | 12.7938% | 1,437 |
| Tier 1 risk-based capital ratio | 18.4381% | 1,702 |
| Total risk-based capital ratio | 19.5813% | 1,693 |
| Memoranda: | ||
| Average total assets | $147,470,500 | 3,369 |
| Average earning assets | $137,393,250 | 3,353 |
| Average equity | $18,881,000 | 3,262 |
| Average total loans | $92,308,750 | 3,394 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0281% | 4,319 |
| Cost of funding earning assets | 0.5312% | 3,979 |
| Net interest margin | 3.4969% | 3,606 |
| Noninterest income to average assets | 0.3455% | 3,621 |
| Noninterest expense to average assets | 2.0403% | 4,533 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2160% | 2,088 |
| Return on assets (ROA) | 1.2160% | 2,146 |
| Pretax return on assets | 1.5642% | 1,653 |
| Return on Equity (ROE) | 9.5440% | 2,610 |
| Retained earnings to average equity (ytd only) | -1.3985% | 4,868 |
| Net charge-offs to loans | -0.0022% | 3,967 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6038% | 4,178 |
| Assets per employee ($millions) | 5.0079% | 2,467 |
| Cash dividends to net income (ytd only)* | 114.6532% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 2,165 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 62.2888% | 3,509 |
| Net loans and leases to deposits | 73.6026% | 3,552 |
| Net loans and leases to core deposits | 75.5935% | 3,764 |
| Total domestic deposits to total assets | 84.6285% | 2,627 |
| Equity capital to assets | 12.9202% | 1,624 |
| Core capital (leverage) ratio | 12.7941% | 1,407 |
| Tier 1 risk-based capital ratio | 18.3125% | 1,720 |
| Total risk-based capital ratio | 19.4785% | 1,706 |
| Memoranda: | ||
| Average total assets | $147,037,670 | 3,387 |
| Average earning assets | $137,035,670 | 3,378 |
| Average equity | $18,734,330 | 3,278 |
| Average total loans | $92,038,000 | 3,412 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9870% | 4,393 |
| Cost of funding earning assets | 0.4969% | 4,074 |
| Net interest margin | 3.4901% | 3,615 |
| Noninterest income to average assets | 0.3190% | 3,728 |
| Noninterest expense to average assets | 2.0549% | 4,539 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1788% | 2,132 |
| Return on assets (ROA) | 1.1788% | 2,183 |
| Pretax return on assets | 1.5114% | 1,725 |
| Return on Equity (ROE) | 9.3165% | 2,665 |
| Retained earnings to average equity (ytd only) | 5.0429% | 2,892 |
| Net charge-offs to loans | -0.0043% | 3,985 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6194% | 4,129 |
| Assets per employee ($millions) | 5.1780% | 2,304 |
| Cash dividends to net income (ytd only)* | 45.8716% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2549% | 2,298 |
| Loan loss allowance to noncurrent loans | 6,100.0000% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 4,806 |
| Noncurrent loans to loans | 0.0206% | 4,690 |
| Net loans and leases to total assets | 62.9031% | 3,413 |
| Net loans and leases to deposits | 74.5610% | 3,404 |
| Net loans and leases to core deposits | 76.2657% | 3,644 |
| Total domestic deposits to total assets | 84.3646% | 2,916 |
| Equity capital to assets | 13.0862% | 1,403 |
| Core capital (leverage) ratio | 12.8086% | 1,356 |
| Tier 1 risk-based capital ratio | 18.4127% | 1,682 |
| Total risk-based capital ratio | 19.5618% | 1,661 |
| Memoranda: | ||
| Average total assets | $147,941,500 | 3,412 |
| Average earning assets | $137,647,500 | 3,402 |
| Average equity | $18,719,500 | 3,288 |
| Average total loans | $92,246,500 | 3,444 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9269% | 4,220 |
| Cost of funding earning assets | 0.4179% | 3,879 |
| Net interest margin | 3.5090% | 3,677 |
| Noninterest income to average assets | 0.4918% | 2,875 |
| Noninterest expense to average assets | 2.3461% | 4,004 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1044% | 2,576 |
| Return on assets (ROA) | 1.1044% | 2,575 |
| Pretax return on assets | 1.4093% | 2,101 |
| Return on Equity (ROE) | 9.0512% | 2,969 |
| Retained earnings to average equity (ytd only) | 7.9254% | 1,269 |
| Net charge-offs to loans | 0.0145% | 3,194 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 146.5714% | 575 |
| Efficiency ratio | 62.4726% | 3,440 |
| Assets per employee ($millions) | 5.5888% | 1,877 |
| Cash dividends to net income (ytd only)* | 12.4378% | 3,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 2,263 |
| Loan loss allowance to noncurrent loans | 6,094.7368% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 4,842 |
| Noncurrent loans to loans | 0.0206% | 4,698 |
| Net loans and leases to total assets | 60.2897% | 3,742 |
| Net loans and leases to deposits | 70.6407% | 3,778 |
| Net loans and leases to core deposits | 72.1774% | 3,979 |
| Total domestic deposits to total assets | 85.3471% | 2,484 |
| Equity capital to assets | 12.2374% | 1,737 |
| Core capital (leverage) ratio | 12.5697% | 1,422 |
| Tier 1 risk-based capital ratio | 17.7237% | 1,839 |
| Total risk-based capital ratio | 18.8432% | 1,829 |
| Memoranda: | ||
| Average total assets | $145,601,600 | 3,434 |
| Average earning assets | $135,424,400 | 3,420 |
| Average equity | $17,765,600 | 3,322 |
| Average total loans | $96,801,600 | 3,357 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9066% | 4,197 |
| Cost of funding earning assets | 0.4067% | 3,810 |
| Net interest margin | 3.4999% | 3,696 |
| Noninterest income to average assets | 0.5009% | 2,861 |
| Noninterest expense to average assets | 2.0626% | 4,616 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3141% | 1,805 |
| Return on assets (ROA) | 1.3141% | 1,809 |
| Pretax return on assets | 1.6985% | 1,279 |
| Return on Equity (ROE) | 10.7783% | 2,276 |
| Retained earnings to average equity (ytd only) | 9.2623% | 1,129 |
| Net charge-offs to loans | 0.0204% | 2,725 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 122.5305% | 646 |
| Efficiency ratio | 54.8403% | 4,524 |
| Assets per employee ($millions) | 5.3716% | 2,053 |
| Cash dividends to net income (ytd only)* | 14.0647% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 2,604 |
| Loan loss allowance to noncurrent loans | 5,785.0000% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 4,938 |
| Noncurrent loans to loans | 0.0208% | 4,816 |
| Net loans and leases to total assets | 65.5115% | 3,242 |
| Net loans and leases to deposits | 76.1782% | 3,403 |
| Net loans and leases to core deposits | 77.8893% | 3,666 |
| Total domestic deposits to total assets | 85.9978% | 2,194 |
| Equity capital to assets | 12.4722% | 1,609 |
| Core capital (leverage) ratio | 12.5679% | 1,464 |
| Tier 1 risk-based capital ratio | 17.1172% | 2,056 |
| Total risk-based capital ratio | 18.2084% | 2,074 |
| Memoranda: | ||
| Average total assets | $144,277,500 | 3,489 |
| Average earning assets | $134,400,250 | 3,469 |
| Average equity | $17,590,500 | 3,365 |
| Average total loans | $97,968,500 | 3,363 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8473% | 4,222 |
| Cost of funding earning assets | 0.3900% | 3,809 |
| Net interest margin | 3.4574% | 3,777 |
| Noninterest income to average assets | 0.5069% | 2,819 |
| Noninterest expense to average assets | 2.0955% | 4,620 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2595% | 1,939 |
| Return on assets (ROA) | 1.2595% | 1,940 |
| Pretax return on assets | 1.6247% | 1,418 |
| Return on Equity (ROE) | 10.4107% | 2,378 |
| Retained earnings to average equity (ytd only) | 8.1151% | 1,575 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3270% | 4,437 |
| Assets per employee ($millions) | 5.3310% | 2,069 |
| Cash dividends to net income (ytd only)* | 22.0507% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 2,773 |
| Loan loss allowance to noncurrent loans | 1,195.9184% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 4,675 |
| Noncurrent loans to loans | 0.0998% | 4,461 |
| Net loans and leases to total assets | 67.4388% | 2,955 |
| Net loans and leases to deposits | 78.2627% | 3,130 |
| Net loans and leases to core deposits | 79.8608% | 3,431 |
| Total domestic deposits to total assets | 86.1697% | 2,205 |
| Equity capital to assets | 12.2914% | 1,667 |
| Core capital (leverage) ratio | 12.3140% | 1,530 |
| Tier 1 risk-based capital ratio | 16.1393% | 2,390 |
| Total risk-based capital ratio | 17.2120% | 2,386 |
| Memoranda: | ||
| Average total assets | $144,025,330 | 3,511 |
| Average earning assets | $133,859,000 | 3,501 |
| Average equity | $17,424,330 | 3,399 |
| Average total loans | $98,567,670 | 3,360 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7941% | 4,235 |
| Cost of funding earning assets | 0.3722% | 3,808 |
| Net interest margin | 3.4219% | 3,813 |
| Noninterest income to average assets | 0.5831% | 2,348 |
| Noninterest expense to average assets | 2.1573% | 4,518 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2327% | 1,881 |
| Return on assets (ROA) | 1.2327% | 1,890 |
| Pretax return on assets | 1.5909% | 1,415 |
| Return on Equity (ROE) | 10.2715% | 2,286 |
| Retained earnings to average equity (ytd only) | 10.2715% | 1,075 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5556% | 4,406 |
| Assets per employee ($millions) | 4.8800% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 2,867 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 68.7592% | 2,663 |
| Net loans and leases to deposits | 79.8883% | 2,820 |
| Net loans and leases to core deposits | 81.8581% | 3,150 |
| Total domestic deposits to total assets | 86.0691% | 2,516 |
| Equity capital to assets | 12.3043% | 1,596 |
| Core capital (leverage) ratio | 12.2920% | 1,479 |
| Tier 1 risk-based capital ratio | 15.8903% | 2,521 |
| Total risk-based capital ratio | 16.9624% | 2,534 |
| Memoranda: | ||
| Average total assets | $144,069,000 | 3,544 |
| Average earning assets | $133,260,500 | 3,545 |
| Average equity | $17,290,500 | 3,438 |
| Average total loans | $98,730,500 | 3,380 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7409% | 4,241 |
| Cost of funding earning assets | 0.3943% | 3,305 |
| Net interest margin | 3.3466% | 4,022 |
| Noninterest income to average assets | 0.4650% | 3,220 |
| Noninterest expense to average assets | 2.2819% | 4,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8796% | 2,817 |
| Return on assets (ROA) | 0.8772% | 2,850 |
| Pretax return on assets | 1.2781% | 2,442 |
| Return on Equity (ROE) | 7.4250% | 3,069 |
| Retained earnings to average equity (ytd only) | 4.4479% | 2,483 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0347% | 3,601 |
| Assets per employee ($millions) | 4.7296% | 2,824 |
| Cash dividends to net income (ytd only)* | 40.0962% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 2,874 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 66.7101% | 3,004 |
| Net loans and leases to deposits | 77.0071% | 3,229 |
| Net loans and leases to core deposits | 79.1860% | 3,489 |
| Total domestic deposits to total assets | 86.6285% | 2,181 |
| Equity capital to assets | 11.7093% | 2,027 |
| Core capital (leverage) ratio | 12.0042% | 1,600 |
| Tier 1 risk-based capital ratio | 15.5669% | 2,597 |
| Total risk-based capital ratio | 16.6447% | 2,600 |
| Memoranda: | ||
| Average total assets | $142,159,200 | 3,582 |
| Average earning assets | $131,625,800 | 3,568 |
| Average equity | $16,794,600 | 3,502 |
| Average total loans | $96,641,200 | 3,402 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7258% | 4,252 |
| Cost of funding earning assets | 0.3853% | 3,332 |
| Net interest margin | 3.3405% | 4,043 |
| Noninterest income to average assets | 0.5076% | 2,988 |
| Noninterest expense to average assets | 2.0948% | 4,749 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0294% | 2,414 |
| Return on assets (ROA) | 1.0313% | 2,445 |
| Pretax return on assets | 1.5134% | 1,726 |
| Return on Equity (ROE) | 8.7097% | 2,758 |
| Retained earnings to average equity (ytd only) | 4.7181% | 3,071 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1017% | 4,487 |
| Assets per employee ($millions) | 4.4917% | 3,164 |
| Cash dividends to net income (ytd only)* | 45.8295% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 2,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 69.5159% | 2,630 |
| Net loans and leases to deposits | 81.1686% | 2,858 |
| Net loans and leases to core deposits | 83.6193% | 3,165 |
| Total domestic deposits to total assets | 85.6438% | 2,459 |
| Equity capital to assets | 12.2843% | 1,785 |
| Core capital (leverage) ratio | 11.8871% | 1,765 |
| Tier 1 risk-based capital ratio | 15.5411% | 2,693 |
| Total risk-based capital ratio | 16.6271% | 2,702 |
| Memoranda: | ||
| Average total assets | $141,044,500 | 3,633 |
| Average earning assets | $130,797,000 | 3,615 |
| Average equity | $16,701,250 | 3,547 |
| Average total loans | $96,056,250 | 3,440 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6493% | 4,364 |
| Cost of funding earning assets | 0.3826% | 3,262 |
| Net interest margin | 3.2667% | 4,219 |
| Noninterest income to average assets | 0.4575% | 3,307 |
| Noninterest expense to average assets | 2.0742% | 4,820 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9662% | 2,581 |
| Return on assets (ROA) | 0.9672% | 2,627 |
| Pretax return on assets | 1.4106% | 1,980 |
| Return on Equity (ROE) | 8.2696% | 2,881 |
| Retained earnings to average equity (ytd only) | 2.2334% | 4,339 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5460% | 4,392 |
| Assets per employee ($millions) | 4.4167% | 3,244 |
| Cash dividends to net income (ytd only)* | 72.9927% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 3,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 68.7063% | 2,704 |
| Net loans and leases to deposits | 81.1062% | 2,794 |
| Net loans and leases to core deposits | 83.7865% | 3,091 |
| Total domestic deposits to total assets | 84.7115% | 2,929 |
| Equity capital to assets | 11.8237% | 2,061 |
| Core capital (leverage) ratio | 11.7219% | 1,814 |
| Tier 1 risk-based capital ratio | 15.4100% | 2,739 |
| Total risk-based capital ratio | 16.5136% | 2,750 |
| Memoranda: | ||
| Average total assets | $141,645,000 | 3,641 |
| Average earning assets | $131,201,670 | 3,630 |
| Average equity | $16,566,670 | 3,574 |
| Average total loans | $95,419,000 | 3,464 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5780% | 4,480 |
| Cost of funding earning assets | 0.3819% | 3,188 |
| Net interest margin | 3.1961% | 4,355 |
| Noninterest income to average assets | 0.5360% | 2,731 |
| Noninterest expense to average assets | 2.1044% | 4,841 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9459% | 2,538 |
| Return on assets (ROA) | 0.9478% | 2,593 |
| Pretax return on assets | 1.3850% | 1,935 |
| Return on Equity (ROE) | 8.1482% | 2,837 |
| Retained earnings to average equity (ytd only) | 8.1482% | 1,396 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3560% | 4,412 |
| Assets per employee ($millions) | 5.0383% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 2,811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 65.5077% | 3,046 |
| Net loans and leases to deposits | 76.8936% | 3,094 |
| Net loans and leases to core deposits | 79.4240% | 3,347 |
| Total domestic deposits to total assets | 85.1927% | 3,003 |
| Equity capital to assets | 11.8500% | 1,942 |
| Core capital (leverage) ratio | 11.7801% | 1,768 |
| Tier 1 risk-based capital ratio | 16.0196% | 2,540 |
| Total risk-based capital ratio | 17.1563% | 2,536 |
| Memoranda: | ||
| Average total assets | $141,800,000 | 3,667 |
| Average earning assets | $130,911,000 | 3,668 |
| Average equity | $16,494,500 | 3,602 |
| Average total loans | $93,989,500 | 3,514 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6544% | 4,357 |
| Cost of funding earning assets | 0.3989% | 3,009 |
| Net interest margin | 3.2555% | 4,279 |
| Noninterest income to average assets | 0.6154% | 2,578 |
| Noninterest expense to average assets | 2.3285% | 4,492 |
| Loan and lease loss provision to assets | 0.0275% | 3,805 |
| Net operating income to assets | 0.8728% | 2,966 |
| Return on assets (ROA) | 0.8728% | 3,076 |
| Pretax return on assets | 1.2987% | 2,292 |
| Return on Equity (ROE) | 7.5699% | 3,184 |
| Retained earnings to average equity (ytd only) | 5.6884% | 1,890 |
| Net charge-offs to loans | 0.0309% | 3,402 |
| Credit loss provision to net charge-offs | 131.0345% | 2,052 |
| Earnings coverage of net charge-offs (x) | 63.2414% | 858 |
| Efficiency ratio | 63.7119% | 3,993 |
| Assets per employee ($millions) | 4.9148% | 2,494 |
| Cash dividends to net income (ytd only)* | 24.8550% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 2,868 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 65.4061% | 3,159 |
| Net loans and leases to deposits | 76.4115% | 3,275 |
| Net loans and leases to core deposits | 78.6120% | 3,520 |
| Total domestic deposits to total assets | 85.5972% | 2,782 |
| Equity capital to assets | 11.4167% | 2,233 |
| Core capital (leverage) ratio | 11.7497% | 1,760 |
| Tier 1 risk-based capital ratio | 15.5452% | 2,732 |
| Total risk-based capital ratio | 16.6713% | 2,715 |
| Memoranda: | ||
| Average total assets | $138,288,400 | 3,700 |
| Average earning assets | $129,104,800 | 3,665 |
| Average equity | $15,944,800 | 3,697 |
| Average total loans | $93,951,600 | 3,497 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6569% | 4,381 |
| Cost of funding earning assets | 0.3980% | 3,042 |
| Net interest margin | 3.2589% | 4,318 |
| Noninterest income to average assets | 0.5839% | 2,738 |
| Noninterest expense to average assets | 2.1890% | 4,798 |
| Loan and lease loss provision to assets | 0.0369% | 3,507 |
| Net operating income to assets | 0.9395% | 2,707 |
| Return on assets (ROA) | 0.9395% | 2,835 |
| Pretax return on assets | 1.4127% | 1,995 |
| Return on Equity (ROE) | 8.1277% | 2,944 |
| Retained earnings to average equity (ytd only) | 5.6062% | 2,431 |
| Net charge-offs to loans | 0.0412% | 2,812 |
| Credit loss provision to net charge-offs | 131.0345% | 1,965 |
| Earnings coverage of net charge-offs (x) | 51.4425% | 1,052 |
| Efficiency ratio | 60.1602% | 4,519 |
| Assets per employee ($millions) | 4.7093% | 2,733 |
| Cash dividends to net income (ytd only)* | 31.0238% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2307% | 3,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 68.8741% | 2,661 |
| Net loans and leases to deposits | 81.0055% | 2,850 |
| Net loans and leases to core deposits | 83.7603% | 3,151 |
| Total domestic deposits to total assets | 85.0239% | 2,795 |
| Equity capital to assets | 11.9293% | 2,165 |
| Core capital (leverage) ratio | 11.7076% | 1,883 |
| Tier 1 risk-based capital ratio | 15.4129% | 2,867 |
| Total risk-based capital ratio | 16.5461% | 2,850 |
| Memoranda: | ||
| Average total assets | $137,228,500 | 3,738 |
| Average earning assets | $128,631,250 | 3,692 |
| Average equity | $15,863,000 | 3,740 |
| Average total loans | $93,841,000 | 3,517 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6329% | 4,496 |
| Cost of funding earning assets | 0.3938% | 3,111 |
| Net interest margin | 3.2391% | 4,412 |
| Noninterest income to average assets | 0.5093% | 3,129 |
| Noninterest expense to average assets | 2.1856% | 4,874 |
| Loan and lease loss provision to assets | 0.0553% | 3,040 |
| Net operating income to assets | 0.8716% | 3,000 |
| Return on assets (ROA) | 0.8716% | 3,111 |
| Pretax return on assets | 1.3081% | 2,373 |
| Return on Equity (ROE) | 7.6209% | 3,192 |
| Retained earnings to average equity (ytd only) | 3.8041% | 3,464 |
| Net charge-offs to loans | 0.0664% | 2,244 |
| Credit loss provision to net charge-offs | 122.5806% | 1,835 |
| Earnings coverage of net charge-offs (x) | 30.2258% | 1,383 |
| Efficiency ratio | 61.5826% | 4,411 |
| Assets per employee ($millions) | 4.5739% | 2,906 |
| Cash dividends to net income (ytd only)* | 50.0835% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 3,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 67.9338% | 2,781 |
| Net loans and leases to deposits | 79.6276% | 2,979 |
| Net loans and leases to core deposits | 82.3048% | 3,239 |
| Total domestic deposits to total assets | 85.3144% | 2,732 |
| Equity capital to assets | 11.6444% | 2,409 |
| Core capital (leverage) ratio | 11.5421% | 1,958 |
| Tier 1 risk-based capital ratio | 15.1742% | 2,994 |
| Total risk-based capital ratio | 16.3143% | 2,987 |
| Memoranda: | ||
| Average total assets | $137,447,670 | 3,763 |
| Average earning assets | $128,987,670 | 3,714 |
| Average equity | $15,720,000 | 3,775 |
| Average total loans | $93,376,670 | 3,539 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6086% | 4,596 |
| Cost of funding earning assets | 0.3958% | 3,122 |
| Net interest margin | 3.2128% | 4,542 |
| Noninterest income to average assets | 0.5205% | 2,986 |
| Noninterest expense to average assets | 2.2012% | 4,902 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8869% | 2,823 |
| Return on assets (ROA) | 0.8869% | 2,945 |
| Pretax return on assets | 1.3405% | 2,136 |
| Return on Equity (ROE) | 7.8250% | 3,014 |
| Retained earnings to average equity (ytd only) | 0.1283% | 5,075 |
| Net charge-offs to loans | -0.0258% | 4,996 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1511% | 4,423 |
| Assets per employee ($millions) | 4.6270% | 2,852 |
| Cash dividends to net income (ytd only)* | 98.3607% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2606% | 3,110 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 68.2354% | 2,616 |
| Net loans and leases to deposits | 80.1073% | 2,780 |
| Net loans and leases to core deposits | 82.6848% | 3,068 |
| Total domestic deposits to total assets | 85.1801% | 3,050 |
| Equity capital to assets | 11.6407% | 2,296 |
| Core capital (leverage) ratio | 11.3540% | 2,091 |
| Tier 1 risk-based capital ratio | 15.4261% | 2,960 |
| Total risk-based capital ratio | 16.6064% | 2,933 |
| Memoranda: | ||
| Average total assets | $137,563,500 | 3,788 |
| Average earning assets | $129,358,000 | 3,724 |
| Average equity | $15,591,000 | 3,798 |
| Average total loans | $92,872,000 | 3,556 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7694% | 4,138 |
| Cost of funding earning assets | 0.4084% | 3,066 |
| Net interest margin | 3.3609% | 4,072 |
| Noninterest income to average assets | 0.6423% | 2,502 |
| Noninterest expense to average assets | 2.3559% | 4,628 |
| Loan and lease loss provision to assets | 0.0911% | 2,482 |
| Net operating income to assets | 0.8750% | 3,001 |
| Return on assets (ROA) | 0.8750% | 3,083 |
| Pretax return on assets | 1.3410% | 2,128 |
| Return on Equity (ROE) | 7.8171% | 3,055 |
| Retained earnings to average equity (ytd only) | 5.0040% | 2,414 |
| Net charge-offs to loans | 0.0992% | 2,428 |
| Credit loss provision to net charge-offs | 130.8511% | 1,999 |
| Earnings coverage of net charge-offs (x) | 20.5638% | 1,872 |
| Efficiency ratio | 62.1944% | 4,571 |
| Assets per employee ($millions) | 4.6981% | 2,734 |
| Cash dividends to net income (ytd only)* | 35.9865% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 3,167 |
| Loan loss allowance to noncurrent loans | 23,260.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 5,708 |
| Noncurrent loans to loans | 0.0054% | 5,532 |
| Net loans and leases to total assets | 65.1689% | 3,101 |
| Net loans and leases to deposits | 75.8880% | 3,266 |
| Net loans and leases to core deposits | 78.5844% | 3,483 |
| Total domestic deposits to total assets | 85.8751% | 2,694 |
| Equity capital to assets | 11.0413% | 2,781 |
| Core capital (leverage) ratio | 11.3195% | 2,111 |
| Tier 1 risk-based capital ratio | 15.3700% | 3,005 |
| Total risk-based capital ratio | 16.5404% | 2,976 |
| Memoranda: | ||
| Average total assets | $134,978,200 | 3,802 |
| Average earning assets | $126,333,600 | 3,769 |
| Average equity | $15,108,000 | 3,823 |
| Average total loans | $94,755,400 | 3,483 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7926% | 4,107 |
| Cost of funding earning assets | 0.4115% | 3,106 |
| Net interest margin | 3.3812% | 4,031 |
| Noninterest income to average assets | 0.6542% | 2,456 |
| Noninterest expense to average assets | 2.2304% | 4,965 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0258% | 2,351 |
| Return on assets (ROA) | 1.0258% | 2,436 |
| Pretax return on assets | 1.5921% | 1,406 |
| Return on Equity (ROE) | 9.1320% | 2,502 |
| Retained earnings to average equity (ytd only) | 5.3530% | 2,677 |
| Net charge-offs to loans | -0.0406% | 5,473 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3486% | 5,078 |
| Assets per employee ($millions) | 4.7499% | 2,624 |
| Cash dividends to net income (ytd only)* | 41.3825% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 3,669 |
| Loan loss allowance to noncurrent loans | 985.5932% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 5,390 |
| Noncurrent loans to loans | 0.1216% | 5,141 |
| Net loans and leases to total assets | 72.0888% | 2,049 |
| Net loans and leases to deposits | 84.8160% | 2,304 |
| Net loans and leases to core deposits | 88.3748% | 2,626 |
| Total domestic deposits to total assets | 84.9944% | 3,010 |
| Equity capital to assets | 11.6085% | 2,414 |
| Core capital (leverage) ratio | 11.5329% | 2,012 |
| Tier 1 risk-based capital ratio | 14.9147% | 3,338 |
| Total risk-based capital ratio | 16.0620% | 3,327 |
| Memoranda: | ||
| Average total assets | $133,487,000 | 3,871 |
| Average earning assets | $125,081,500 | 3,826 |
| Average equity | $14,994,500 | 3,874 |
| Average total loans | $95,190,750 | 3,507 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7623% | 4,200 |
| Cost of funding earning assets | 0.4116% | 3,140 |
| Net interest margin | 3.3506% | 4,106 |
| Noninterest income to average assets | 0.6584% | 2,427 |
| Noninterest expense to average assets | 2.2357% | 5,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9996% | 2,394 |
| Return on assets (ROA) | 0.9996% | 2,500 |
| Pretax return on assets | 1.5533% | 1,472 |
| Return on Equity (ROE) | 8.9989% | 2,550 |
| Retained earnings to average equity (ytd only) | 3.2735% | 3,967 |
| Net charge-offs to loans | -0.0190% | 5,156 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0047% | 5,111 |
| Assets per employee ($millions) | 4.4870% | 3,008 |
| Cash dividends to net income (ytd only)* | 63.6228% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 3,803 |
| Loan loss allowance to noncurrent loans | 944.6281% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0930% | 5,495 |
| Noncurrent loans to loans | 0.1268% | 5,244 |
| Net loans and leases to total assets | 72.4412% | 1,906 |
| Net loans and leases to deposits | 85.3374% | 2,128 |
| Net loans and leases to core deposits | 89.0011% | 2,452 |
| Total domestic deposits to total assets | 84.8880% | 3,171 |
| Equity capital to assets | 11.5522% | 2,371 |
| Core capital (leverage) ratio | 11.2893% | 2,172 |
| Tier 1 risk-based capital ratio | 14.6304% | 3,564 |
| Total risk-based capital ratio | 15.7633% | 3,557 |
| Memoranda: | ||
| Average total assets | $133,650,330 | 3,898 |
| Average earning assets | $124,872,000 | 3,863 |
| Average equity | $14,846,330 | 3,916 |
| Average total loans | $94,574,670 | 3,541 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7107% | 4,324 |
| Cost of funding earning assets | 0.4127% | 3,161 |
| Net interest margin | 3.2980% | 4,227 |
| Noninterest income to average assets | 0.6587% | 2,365 |
| Noninterest expense to average assets | 2.2568% | 4,980 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9512% | 2,499 |
| Return on assets (ROA) | 0.9512% | 2,634 |
| Pretax return on assets | 1.4710% | 1,658 |
| Return on Equity (ROE) | 8.7301% | 2,582 |
| Retained earnings to average equity (ytd only) | -2.7926% | 5,773 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5388% | 5,026 |
| Assets per employee ($millions) | 4.7050% | 2,756 |
| Cash dividends to net income (ytd only)* | 131.9876% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 4,038 |
| Loan loss allowance to noncurrent loans | 18,900.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 5,946 |
| Noncurrent loans to loans | 0.0063% | 5,785 |
| Net loans and leases to total assets | 71.4918% | 1,897 |
| Net loans and leases to deposits | 84.0538% | 2,065 |
| Net loans and leases to core deposits | 87.8140% | 2,350 |
| Total domestic deposits to total assets | 85.0548% | 3,380 |
| Equity capital to assets | 11.1712% | 2,786 |
| Core capital (leverage) ratio | 10.7876% | 2,641 |
| Tier 1 risk-based capital ratio | 14.5195% | 3,708 |
| Total risk-based capital ratio | 15.6618% | 3,692 |
| Memoranda: | ||
| Average total assets | $135,414,500 | 3,892 |
| Average earning assets | $126,014,000 | 3,864 |
| Average equity | $14,753,500 | 3,955 |
| Average total loans | $94,159,500 | 3,556 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7435% | 4,664 |
| Cost of funding earning assets | 0.4724% | 2,959 |
| Net interest margin | 3.2711% | 4,679 |
| Noninterest income to average assets | 0.6688% | 2,457 |
| Noninterest expense to average assets | 2.6647% | 3,993 |
| Loan and lease loss provision to assets | -0.1807% | 6,272 |
| Net operating income to assets | 0.8050% | 3,344 |
| Return on assets (ROA) | 0.8060% | 3,437 |
| Pretax return on assets | 1.2341% | 2,508 |
| Return on Equity (ROE) | 7.4531% | 3,397 |
| Retained earnings to average equity (ytd only) | 3.1199% | 4,015 |
| Net charge-offs to loans | 0.1321% | 2,696 |
| Credit loss provision to net charge-offs | -197.5410% | 5,622 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 2,481 |
| Efficiency ratio | 71.6966% | 3,254 |
| Assets per employee ($millions) | 4.9674% | 2,361 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 3,886 |
| Loan loss allowance to noncurrent loans | 16,200.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 6,070 |
| Noncurrent loans to loans | 0.0075% | 5,895 |
| Net loans and leases to total assets | 66.0496% | 2,873 |
| Net loans and leases to deposits | 77.2504% | 3,053 |
| Net loans and leases to core deposits | 80.4940% | 3,239 |
| Total domestic deposits to total assets | 85.5005% | 3,080 |
| Equity capital to assets | 10.6336% | 3,319 |
| Core capital (leverage) ratio | 11.0503% | 2,357 |
| Tier 1 risk-based capital ratio | 14.6900% | 3,666 |
| Total risk-based capital ratio | 15.8520% | 3,652 |
| Memoranda: | ||
| Average total assets | $133,371,400 | 3,914 |
| Average earning assets | $124,268,400 | 3,878 |
| Average equity | $14,423,600 | 3,955 |
| Average total loans | $92,353,800 | 3,578 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7582% | 4,686 |
| Cost of funding earning assets | 0.4861% | 2,898 |
| Net interest margin | 3.2721% | 4,710 |
| Noninterest income to average assets | 0.6346% | 2,653 |
| Noninterest expense to average assets | 2.2484% | 5,229 |
| Loan and lease loss provision to assets | 0.0071% | 4,278 |
| Net operating income to assets | 0.9307% | 2,778 |
| Return on assets (ROA) | 0.9307% | 2,863 |
| Pretax return on assets | 1.4400% | 1,848 |
| Return on Equity (ROE) | 8.5680% | 2,919 |
| Retained earnings to average equity (ytd only) | 2.7537% | 4,634 |
| Net charge-offs to loans | 0.1258% | 2,537 |
| Credit loss provision to net charge-offs | 8.0460% | 3,731 |
| Earnings coverage of net charge-offs (x) | 16.4594% | 1,968 |
| Efficiency ratio | 60.8422% | 5,070 |
| Assets per employee ($millions) | 4.6419% | 2,748 |
| Cash dividends to net income (ytd only)* | 67.8608% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5206% | 2,615 |
| Loan loss allowance to noncurrent loans | 460.0649% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.3401% | 4,916 |
| Noncurrent loans to loans | 0.3305% | 4,913 |
| Net loans and leases to total assets | 70.6060% | 2,094 |
| Net loans and leases to deposits | 84.0605% | 2,142 |
| Net loans and leases to core deposits | 87.9181% | 2,441 |
| Total domestic deposits to total assets | 83.9942% | 3,768 |
| Equity capital to assets | 11.2855% | 2,671 |
| Core capital (leverage) ratio | 10.8759% | 2,603 |
| Tier 1 risk-based capital ratio | 14.4971% | 3,887 |
| Total risk-based capital ratio | 15.7500% | 3,825 |
| Memoranda: | ||
| Average total assets | $131,942,250 | 3,971 |
| Average earning assets | $123,424,500 | 3,920 |
| Average equity | $14,332,000 | 3,992 |
| Average total loans | $92,192,000 | 3,618 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7233% | 4,789 |
| Cost of funding earning assets | 0.4929% | 2,902 |
| Net interest margin | 3.2304% | 4,843 |
| Noninterest income to average assets | 0.6124% | 2,753 |
| Noninterest expense to average assets | 2.2278% | 5,350 |
| Loan and lease loss provision to assets | 0.0075% | 4,086 |
| Net operating income to assets | 0.8990% | 2,817 |
| Return on assets (ROA) | 0.8990% | 2,911 |
| Pretax return on assets | 1.3922% | 1,918 |
| Return on Equity (ROE) | 8.3826% | 2,903 |
| Retained earnings to average equity (ytd only) | -0.4079% | 5,754 |
| Net charge-offs to loans | 0.2134% | 1,748 |
| Credit loss provision to net charge-offs | 5.1020% | 3,361 |
| Earnings coverage of net charge-offs (x) | 9.4694% | 2,355 |
| Efficiency ratio | 61.4137% | 5,090 |
| Assets per employee ($millions) | 4.5580% | 2,831 |
| Cash dividends to net income (ytd only)* | 104.8658% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5194% | 2,805 |
| Loan loss allowance to noncurrent loans | 503.2258% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 5,488 |
| Noncurrent loans to loans | 0.3019% | 5,109 |
| Net loans and leases to total assets | 68.8437% | 2,270 |
| Net loans and leases to deposits | 82.6032% | 2,182 |
| Net loans and leases to core deposits | 86.6533% | 2,456 |
| Total domestic deposits to total assets | 83.3427% | 4,176 |
| Equity capital to assets | 10.8502% | 3,028 |
| Core capital (leverage) ratio | 10.6866% | 2,737 |
| Tier 1 risk-based capital ratio | 14.3430% | 4,031 |
| Total risk-based capital ratio | 15.5951% | 3,970 |
| Memoranda: | ||
| Average total assets | $132,599,000 | 3,982 |
| Average earning assets | $123,760,330 | 3,938 |
| Average equity | $14,220,000 | 4,004 |
| Average total loans | $91,861,000 | 3,641 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6602% | 4,971 |
| Cost of funding earning assets | 0.4934% | 2,976 |
| Net interest margin | 3.1668% | 5,023 |
| Noninterest income to average assets | 0.5150% | 3,293 |
| Noninterest expense to average assets | 2.2559% | 5,315 |
| Loan and lease loss provision to assets | 0.0060% | 3,742 |
| Net operating income to assets | 0.7891% | 3,203 |
| Return on assets (ROA) | 0.7891% | 3,277 |
| Pretax return on assets | 1.2108% | 2,442 |
| Return on Equity (ROE) | 7.4017% | 3,251 |
| Retained earnings to average equity (ytd only) | -10.2550% | 6,369 |
| Net charge-offs to loans | -0.0218% | 5,397 |
| Credit loss provision to net charge-offs | -40.0000% | 4,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9610% | 4,698 |
| Assets per employee ($millions) | 4.5584% | 2,876 |
| Cash dividends to net income (ytd only)* | 238.5496% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6440% | 2,535 |
| Loan loss allowance to noncurrent loans | 1,009.3960% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 4,788 |
| Noncurrent loans to loans | 0.1629% | 5,598 |
| Net loans and leases to total assets | 68.0646% | 2,212 |
| Net loans and leases to deposits | 81.8868% | 2,054 |
| Net loans and leases to core deposits | 85.9110% | 2,327 |
| Total domestic deposits to total assets | 83.1204% | 4,567 |
| Equity capital to assets | 10.5753% | 3,169 |
| Core capital (leverage) ratio | 10.4317% | 3,014 |
| Tier 1 risk-based capital ratio | 14.2385% | 4,170 |
| Total risk-based capital ratio | 15.4925% | 4,116 |
| Memoranda: | ||
| Average total assets | $132,807,500 | 4,013 |
| Average earning assets | $124,037,500 | 3,965 |
| Average equity | $14,159,000 | 4,019 |
| Average total loans | $91,590,000 | 3,670 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8893% | 4,501 |
| Cost of funding earning assets | 0.5561% | 3,059 |
| Net interest margin | 3.3332% | 4,539 |
| Noninterest income to average assets | 0.7063% | 2,509 |
| Noninterest expense to average assets | 2.3278% | 5,297 |
| Loan and lease loss provision to assets | 0.0070% | 4,984 |
| Net operating income to assets | 0.9580% | 2,524 |
| Return on assets (ROA) | 0.9580% | 2,588 |
| Pretax return on assets | 1.4778% | 1,520 |
| Return on Equity (ROE) | 8.8745% | 2,605 |
| Retained earnings to average equity (ytd only) | 6.4633% | 1,710 |
| Net charge-offs to loans | 0.0205% | 5,022 |
| Credit loss provision to net charge-offs | 47.3684% | 3,879 |
| Earnings coverage of net charge-offs (x) | 100.5789% | 464 |
| Efficiency ratio | 61.0556% | 5,352 |
| Assets per employee ($millions) | 4.7650% | 2,491 |
| Cash dividends to net income (ytd only)* | 27.1695% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6325% | 2,639 |
| Loan loss allowance to noncurrent loans | 1,720.6897% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.3972% | 5,058 |
| Noncurrent loans to loans | 0.0949% | 5,926 |
| Net loans and leases to total assets | 67.6068% | 2,420 |
| Net loans and leases to deposits | 81.4949% | 2,253 |
| Net loans and leases to core deposits | 85.4637% | 2,514 |
| Total domestic deposits to total assets | 82.9583% | 4,558 |
| Equity capital to assets | 10.7465% | 2,884 |
| Core capital (leverage) ratio | 10.9250% | 2,456 |
| Tier 1 risk-based capital ratio | 14.5886% | 3,912 |
| Total risk-based capital ratio | 15.8431% | 3,841 |
| Memoranda: | ||
| Average total assets | $128,703,400 | 4,094 |
| Average earning assets | $119,945,400 | 4,051 |
| Average equity | $13,893,800 | 4,090 |
| Average total loans | $92,475,600 | 3,631 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9311% | 4,385 |
| Cost of funding earning assets | 0.5685% | 3,093 |
| Net interest margin | 3.3627% | 4,422 |
| Noninterest income to average assets | 0.7601% | 2,320 |
| Noninterest expense to average assets | 2.3085% | 5,309 |
| Loan and lease loss provision to assets | 0.0073% | 4,831 |
| Net operating income to assets | 1.0236% | 2,284 |
| Return on assets (ROA) | 1.0236% | 2,367 |
| Pretax return on assets | 1.5798% | 1,388 |
| Return on Equity (ROE) | 9.4705% | 2,409 |
| Retained earnings to average equity (ytd only) | 6.2299% | 2,271 |
| Net charge-offs to loans | 0.0187% | 4,755 |
| Credit loss provision to net charge-offs | 53.8462% | 3,420 |
| Earnings coverage of net charge-offs (x) | 116.7888% | 439 |
| Efficiency ratio | 59.2593% | 5,530 |
| Assets per employee ($millions) | 4.5119% | 2,863 |
| Cash dividends to net income (ytd only)* | 34.2190% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6287% | 2,888 |
| Loan loss allowance to noncurrent loans | 1,745.3488% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.4789% | 4,994 |
| Noncurrent loans to loans | 0.0933% | 6,056 |
| Net loans and leases to total assets | 71.7617% | 1,638 |
| Net loans and leases to deposits | 86.9621% | 1,496 |
| Net loans and leases to core deposits | 91.2419% | 1,848 |
| Total domestic deposits to total assets | 82.5207% | 4,749 |
| Equity capital to assets | 11.1437% | 2,625 |
| Core capital (leverage) ratio | 10.8197% | 2,651 |
| Tier 1 risk-based capital ratio | 14.3595% | 4,177 |
| Total risk-based capital ratio | 15.6140% | 4,123 |
| Memoranda: | ||
| Average total assets | $127,524,250 | 4,169 |
| Average earning assets | $118,911,250 | 4,111 |
| Average equity | $13,782,750 | 4,156 |
| Average total loans | $92,670,000 | 3,650 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8892% | 4,522 |
| Cost of funding earning assets | 0.5798% | 3,130 |
| Net interest margin | 3.3094% | 4,539 |
| Noninterest income to average assets | 0.8271% | 2,080 |
| Noninterest expense to average assets | 2.3217% | 5,295 |
| Loan and lease loss provision to assets | 0.0063% | 4,714 |
| Net operating income to assets | 1.0256% | 2,215 |
| Return on assets (ROA) | 1.0256% | 2,336 |
| Pretax return on assets | 1.5869% | 1,404 |
| Return on Equity (ROE) | 9.5876% | 2,380 |
| Retained earnings to average equity (ytd only) | 5.4223% | 2,792 |
| Net charge-offs to loans | 0.0323% | 4,234 |
| Credit loss provision to net charge-offs | 26.6667% | 3,640 |
| Earnings coverage of net charge-offs (x) | 67.9333% | 654 |
| Efficiency ratio | 59.3051% | 5,567 |
| Assets per employee ($millions) | 4.3002% | 3,172 |
| Cash dividends to net income (ytd only)* | 43.4451% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5708% | 3,265 |
| Loan loss allowance to noncurrent loans | 1,662.2222% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.4736% | 5,087 |
| Noncurrent loans to loans | 0.0945% | 6,116 |
| Net loans and leases to total assets | 72.6656% | 1,454 |
| Net loans and leases to deposits | 89.1364% | 1,215 |
| Net loans and leases to core deposits | 93.4747% | 1,571 |
| Total domestic deposits to total assets | 81.5218% | 5,210 |
| Equity capital to assets | 10.6887% | 3,071 |
| Core capital (leverage) ratio | 10.5838% | 2,786 |
| Tier 1 risk-based capital ratio | 13.6192% | 4,697 |
| Total risk-based capital ratio | 14.8729% | 4,655 |
| Memoranda: | ||
| Average total assets | $127,921,670 | 4,186 |
| Average earning assets | $119,357,330 | 4,132 |
| Average equity | $13,684,330 | 4,210 |
| Average total loans | $92,840,330 | 3,658 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8588% | 4,618 |
| Cost of funding earning assets | 0.5976% | 3,130 |
| Net interest margin | 3.2612% | 4,677 |
| Noninterest income to average assets | 0.9201% | 1,689 |
| Noninterest expense to average assets | 2.4557% | 4,931 |
| Loan and lease loss provision to assets | 0.0063% | 4,360 |
| Net operating income to assets | 0.9703% | 2,349 |
| Return on assets (ROA) | 0.9703% | 2,480 |
| Pretax return on assets | 1.4916% | 1,579 |
| Return on Equity (ROE) | 9.0669% | 2,458 |
| Retained earnings to average equity (ytd only) | 9.0669% | 1,359 |
| Net charge-offs to loans | 0.0349% | 3,538 |
| Credit loss provision to net charge-offs | 25.0000% | 2,964 |
| Earnings coverage of net charge-offs (x) | 59.6250% | 598 |
| Efficiency ratio | 62.1128% | 5,288 |
| Assets per employee ($millions) | 4.3381% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6423% | 3,224 |
| Loan loss allowance to noncurrent loans | 1,210.4839% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.5127% | 5,100 |
| Noncurrent loans to loans | 0.1357% | 6,060 |
| Net loans and leases to total assets | 71.4568% | 1,441 |
| Net loans and leases to deposits | 86.5160% | 1,290 |
| Net loans and leases to core deposits | 91.0091% | 1,604 |
| Total domestic deposits to total assets | 82.5938% | 4,995 |
| Equity capital to assets | 10.9581% | 3,003 |
| Core capital (leverage) ratio | 10.6363% | 2,609 |
| Tier 1 risk-based capital ratio | 14.1074% | 4,425 |
| Total risk-based capital ratio | 15.3611% | 4,379 |
| Memoranda: | ||
| Average total assets | $127,379,500 | 4,234 |
| Average earning assets | $118,483,500 | 4,186 |
| Average equity | $13,632,000 | 4,263 |
| Average total loans | $91,641,000 | 3,702 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0379% | 5,198 |
| Cost of funding earning assets | 0.8083% | 2,601 |
| Net interest margin | 3.2296% | 5,496 |
| Noninterest income to average assets | 0.9820% | 1,586 |
| Noninterest expense to average assets | 2.4144% | 5,365 |
| Loan and lease loss provision to assets | 0.0635% | 4,968 |
| Net operating income to assets | 0.9716% | 2,457 |
| Return on assets (ROA) | 0.9716% | 2,686 |
| Pretax return on assets | 1.5056% | 1,654 |
| Return on Equity (ROE) | 9.1041% | 2,588 |
| Retained earnings to average equity (ytd only) | 3.9642% | 3,411 |
| Net charge-offs to loans | 0.0661% | 5,025 |
| Credit loss provision to net charge-offs | 133.8983% | 2,091 |
| Earnings coverage of net charge-offs (x) | 33.0678% | 941 |
| Efficiency ratio | 60.6097% | 5,447 |
| Assets per employee ($millions) | 4.4467% | 3,060 |
| Cash dividends to net income (ytd only)* | 56.4570% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6401% | 3,147 |
| Loan loss allowance to noncurrent loans | 761.1111% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.4769% | 5,279 |
| Noncurrent loans to loans | 0.2155% | 5,935 |
| Net loans and leases to total assets | 70.0852% | 1,827 |
| Net loans and leases to deposits | 84.3974% | 1,713 |
| Net loans and leases to core deposits | 87.9547% | 2,091 |
| Total domestic deposits to total assets | 83.0419% | 4,706 |
| Equity capital to assets | 10.4519% | 3,582 |
| Core capital (leverage) ratio | 10.2595% | 3,066 |
| Tier 1 risk-based capital ratio | 13.5741% | 4,697 |
| Total risk-based capital ratio | 14.8286% | 4,639 |
| Memoranda: | ||
| Average total assets | $124,334,800 | 4,265 |
| Average earning assets | $115,555,400 | 4,221 |
| Average equity | $13,268,800 | 4,304 |
| Average total loans | $89,299,000 | 3,761 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0716% | 5,287 |
| Cost of funding earning assets | 0.8506% | 2,530 |
| Net interest margin | 3.2210% | 5,647 |
| Noninterest income to average assets | 0.9622% | 1,632 |
| Noninterest expense to average assets | 2.2633% | 5,789 |
| Loan and lease loss provision to assets | 0.0292% | 5,415 |
| Net operating income to assets | 1.0694% | 2,215 |
| Return on assets (ROA) | 1.0694% | 2,425 |
| Pretax return on assets | 1.6701% | 1,363 |
| Return on Equity (ROE) | 9.9671% | 2,361 |
| Retained earnings to average equity (ytd only) | 3.0870% | 4,699 |
| Net charge-offs to loans | 0.0451% | 5,021 |
| Credit loss provision to net charge-offs | 90.0000% | 3,293 |
| Earnings coverage of net charge-offs (x) | 52.3320% | 727 |
| Efficiency ratio | 57.1155% | 5,906 |
| Assets per employee ($millions) | 4.4936% | 2,924 |
| Cash dividends to net income (ytd only)* | 69.0283% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6491% | 3,333 |
| Loan loss allowance to noncurrent loans | 1,009.5238% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.4999% | 5,420 |
| Noncurrent loans to loans | 0.1634% | 6,204 |
| Net loans and leases to total assets | 70.3420% | 1,851 |
| Net loans and leases to deposits | 85.4345% | 1,669 |
| Net loans and leases to core deposits | 89.0258% | 2,101 |
| Total domestic deposits to total assets | 82.3344% | 4,906 |
| Equity capital to assets | 10.5531% | 3,778 |
| Core capital (leverage) ratio | 10.2549% | 3,216 |
| Tier 1 risk-based capital ratio | 13.3148% | 5,013 |
| Total risk-based capital ratio | 14.5689% | 4,975 |
| Memoranda: | ||
| Average total assets | $123,180,250 | 4,327 |
| Average earning assets | $114,743,500 | 4,269 |
| Average equity | $13,216,500 | 4,355 |
| Average total loans | $88,652,750 | 3,825 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0909% | 5,350 |
| Cost of funding earning assets | 0.8934% | 2,454 |
| Net interest margin | 3.1974% | 5,748 |
| Noninterest income to average assets | 0.8504% | 1,964 |
| Noninterest expense to average assets | 2.2404% | 5,903 |
| Loan and lease loss provision to assets | 0.0082% | 5,552 |
| Net operating income to assets | 1.0090% | 2,429 |
| Return on assets (ROA) | 1.0090% | 2,643 |
| Pretax return on assets | 1.5748% | 1,625 |
| Return on Equity (ROE) | 9.3513% | 2,648 |
| Retained earnings to average equity (ytd only) | 6.5929% | 2,334 |
| Net charge-offs to loans | -0.0272% | 6,504 |
| Credit loss provision to net charge-offs | -41.6667% | 5,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5971% | 5,791 |
| Assets per employee ($millions) | 4.2624% | 3,336 |
| Cash dividends to net income (ytd only)* | 29.4976% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6911% | 3,260 |
| Loan loss allowance to noncurrent loans | 606.4516% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.5906% | 5,293 |
| Noncurrent loans to loans | 0.2789% | 6,012 |
| Net loans and leases to total assets | 70.7311% | 1,781 |
| Net loans and leases to deposits | 86.3737% | 1,551 |
| Net loans and leases to core deposits | 90.6809% | 1,910 |
| Total domestic deposits to total assets | 81.8897% | 5,175 |
| Equity capital to assets | 10.8342% | 3,308 |
| Core capital (leverage) ratio | 10.5024% | 2,797 |
| Tier 1 risk-based capital ratio | 13.5304% | 4,798 |
| Total risk-based capital ratio | 14.7845% | 4,759 |
| Memoranda: | ||
| Average total assets | $122,300,000 | 4,366 |
| Average earning assets | $113,717,000 | 4,312 |
| Average equity | $13,196,000 | 4,360 |
| Average total loans | $88,207,330 | 3,848 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1384% | 5,329 |
| Cost of funding earning assets | 0.9405% | 2,371 |
| Net interest margin | 3.1979% | 5,787 |
| Noninterest income to average assets | 0.8780% | 1,839 |
| Noninterest expense to average assets | 2.2327% | 5,957 |
| Loan and lease loss provision to assets | 0.0066% | 5,199 |
| Net operating income to assets | 1.0226% | 2,391 |
| Return on assets (ROA) | 1.0226% | 2,579 |
| Pretax return on assets | 1.6014% | 1,573 |
| Return on Equity (ROE) | 9.4976% | 2,607 |
| Retained earnings to average equity (ytd only) | 9.4976% | 1,414 |
| Net charge-offs to loans | -0.0546% | 6,562 |
| Credit loss provision to net charge-offs | -16.6667% | 5,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1336% | 5,897 |
| Assets per employee ($millions) | 4.5037% | 2,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6984% | 3,359 |
| Loan loss allowance to noncurrent loans | 620.2479% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.6159% | 5,351 |
| Noncurrent loans to loans | 0.2738% | 6,131 |
| Net loans and leases to total assets | 71.4443% | 1,494 |
| Net loans and leases to deposits | 86.4826% | 1,364 |
| Net loans and leases to core deposits | 89.7573% | 1,872 |
| Total domestic deposits to total assets | 82.6112% | 5,076 |
| Equity capital to assets | 10.8955% | 3,034 |
| Core capital (leverage) ratio | 10.5901% | 2,655 |
| Tier 1 risk-based capital ratio | 14.5145% | 4,094 |
| Total risk-based capital ratio | 15.7708% | 4,043 |
| Memoranda: | ||
| Average total assets | $121,645,500 | 4,418 |
| Average earning assets | $112,700,500 | 4,361 |
| Average equity | $13,098,000 | 4,389 |
| Average total loans | $87,844,000 | 3,888 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4057% | 5,402 |
| Cost of funding earning assets | 1.1402% | 2,410 |
| Net interest margin | 3.2656% | 5,916 |
| Noninterest income to average assets | 0.7144% | 2,525 |
| Noninterest expense to average assets | 2.3401% | 5,940 |
| Loan and lease loss provision to assets | 0.3677% | 2,787 |
| Net operating income to assets | 0.6792% | 3,581 |
| Return on assets (ROA) | 0.6792% | 3,778 |
| Pretax return on assets | 1.0411% | 3,074 |
| Return on Equity (ROE) | 6.4789% | 3,658 |
| Retained earnings to average equity (ytd only) | 6.4789% | 1,749 |
| Net charge-offs to loans | 0.2978% | 3,918 |
| Credit loss provision to net charge-offs | 163.1970% | 1,678 |
| Earnings coverage of net charge-offs (x) | 6.2528% | 2,556 |
| Efficiency ratio | 62.4218% | 5,392 |
| Assets per employee ($millions) | 4.5070% | 2,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7031% | 3,190 |
| Loan loss allowance to noncurrent loans | 563.2576% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.6484% | 5,361 |
| Noncurrent loans to loans | 0.3024% | 6,120 |
| Net loans and leases to total assets | 70.5259% | 1,924 |
| Net loans and leases to deposits | 85.3468% | 1,757 |
| Net loans and leases to core deposits | 88.2944% | 2,347 |
| Total domestic deposits to total assets | 82.6346% | 4,905 |
| Equity capital to assets | 10.6393% | 3,377 |
| Core capital (leverage) ratio | 10.3492% | 2,914 |
| Tier 1 risk-based capital ratio | 13.6079% | 4,614 |
| Total risk-based capital ratio | 14.8624% | 4,581 |
| Memoranda: | ||
| Average total assets | $119,396,800 | 4,414 |
| Average earning assets | $110,946,000 | 4,372 |
| Average equity | $12,517,600 | 4,439 |
| Average total loans | $90,335,400 | 3,843 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4514% | 5,426 |
| Cost of funding earning assets | 1.1783% | 2,458 |
| Net interest margin | 3.2731% | 5,939 |
| Noninterest income to average assets | 0.6878% | 2,679 |
| Noninterest expense to average assets | 2.3429% | 5,926 |
| Loan and lease loss provision to assets | 0.3220% | 2,960 |
| Net operating income to assets | 0.6968% | 3,638 |
| Return on assets (ROA) | 0.6968% | 3,808 |
| Pretax return on assets | 1.0682% | 3,137 |
| Return on Equity (ROE) | 6.6717% | 3,677 |
| Retained earnings to average equity (ytd only) | 6.6717% | 2,150 |
| Net charge-offs to loans | 0.4157% | 3,064 |
| Credit loss provision to net charge-offs | 101.0563% | 3,323 |
| Earnings coverage of net charge-offs (x) | 4.3626% | 3,093 |
| Efficiency ratio | 62.7592% | 5,283 |
| Assets per employee ($millions) | 4.4176% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4447% | 4,351 |
| Loan loss allowance to noncurrent loans | 613.9535% | 555 |
| Noncurrent assets plus other real estate owned to assets | 1.0170% | 4,723 |
| Noncurrent loans to loans | 0.2353% | 6,402 |
| Net loans and leases to total assets | 75.4955% | 1,058 |
| Net loans and leases to deposits | 91.6361% | 1,042 |
| Net loans and leases to core deposits | 94.5604% | 1,740 |
| Total domestic deposits to total assets | 82.3862% | 4,934 |
| Equity capital to assets | 10.6954% | 3,472 |
| Core capital (leverage) ratio | 10.4113% | 2,983 |
| Tier 1 risk-based capital ratio | 12.7098% | 5,321 |
| Total risk-based capital ratio | 13.9613% | 5,298 |
| Memoranda: | ||
| Average total assets | $118,823,500 | 4,464 |
| Average earning assets | $110,554,000 | 4,407 |
| Average equity | $12,410,250 | 4,468 |
| Average total loans | $91,091,750 | 3,865 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4343% | 5,575 |
| Cost of funding earning assets | 1.2018% | 2,574 |
| Net interest margin | 3.2325% | 6,054 |
| Noninterest income to average assets | 0.6472% | 2,866 |
| Noninterest expense to average assets | 2.2886% | 6,163 |
| Loan and lease loss provision to assets | 0.4786% | 2,068 |
| Net operating income to assets | 0.5865% | 4,125 |
| Return on assets (ROA) | 0.5865% | 4,255 |
| Pretax return on assets | 0.8898% | 3,655 |
| Return on Equity (ROE) | 5.6610% | 4,134 |
| Retained earnings to average equity (ytd only) | 5.6610% | 2,616 |
| Net charge-offs to loans | 0.6242% | 2,274 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 2.8592% | 3,412 |
| Efficiency ratio | 62.5806% | 5,483 |
| Assets per employee ($millions) | 4.3485% | 3,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4371% | 4,408 |
| Loan loss allowance to noncurrent loans | 117.6944% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 1.0289% | 4,822 |
| Noncurrent loans to loans | 1.2211% | 4,622 |
| Net loans and leases to total assets | 76.9319% | 927 |
| Net loans and leases to deposits | 92.8009% | 975 |
| Net loans and leases to core deposits | 95.0830% | 1,781 |
| Total domestic deposits to total assets | 82.8999% | 4,797 |
| Equity capital to assets | 10.6261% | 3,357 |
| Core capital (leverage) ratio | 10.3159% | 2,916 |
| Tier 1 risk-based capital ratio | 12.6271% | 5,238 |
| Total risk-based capital ratio | 13.8789% | 5,204 |
| Memoranda: | ||
| Average total assets | $118,672,670 | 4,497 |
| Average earning assets | $110,502,670 | 4,430 |
| Average equity | $12,294,670 | 4,478 |
| Average total loans | $90,999,670 | 3,922 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4032% | 5,687 |
| Cost of funding earning assets | 1.2277% | 2,641 |
| Net interest margin | 3.1755% | 6,150 |
| Noninterest income to average assets | 0.6069% | 3,119 |
| Noninterest expense to average assets | 2.2497% | 6,304 |
| Loan and lease loss provision to assets | 0.4426% | 1,990 |
| Net operating income to assets | 0.5733% | 4,163 |
| Return on assets (ROA) | 0.5733% | 4,238 |
| Pretax return on assets | 0.8717% | 3,614 |
| Return on Equity (ROE) | 5.6047% | 4,111 |
| Retained earnings to average equity (ytd only) | 5.6047% | 2,851 |
| Net charge-offs to loans | -0.0838% | 7,037 |
| Credit loss provision to net charge-offs | -694.7368% | 6,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1232% | 5,499 |
| Assets per employee ($millions) | 4.1463% | 3,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6268% | 3,623 |
| Loan loss allowance to noncurrent loans | 103.0899% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 1.3032% | 4,359 |
| Noncurrent loans to loans | 1.5781% | 4,111 |
| Net loans and leases to total assets | 76.4602% | 970 |
| Net loans and leases to deposits | 90.8317% | 1,140 |
| Net loans and leases to core deposits | 93.7449% | 1,914 |
| Total domestic deposits to total assets | 84.1779% | 4,419 |
| Equity capital to assets | 10.5937% | 3,087 |
| Core capital (leverage) ratio | 10.1118% | 3,015 |
| Tier 1 risk-based capital ratio | 12.9982% | 4,823 |
| Total risk-based capital ratio | 14.2523% | 4,811 |
| Memoranda: | ||
| Average total assets | $119,304,500 | 4,506 |
| Average earning assets | $111,102,000 | 4,434 |
| Average equity | $12,204,000 | 4,504 |
| Average total loans | $90,678,500 | 3,959 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8385% | 5,283 |
| Cost of funding earning assets | 1.5583% | 2,313 |
| Net interest margin | 3.2802% | 6,036 |
| Noninterest income to average assets | 0.7937% | 2,317 |
| Noninterest expense to average assets | 2.3460% | 6,226 |
| Loan and lease loss provision to assets | 0.6108% | 2,690 |
| Net operating income to assets | 0.5809% | 3,753 |
| Return on assets (ROA) | 0.5809% | 3,913 |
| Pretax return on assets | 0.8851% | 3,353 |
| Return on Equity (ROE) | 5.7376% | 3,720 |
| Retained earnings to average equity (ytd only) | 5.7376% | 1,971 |
| Net charge-offs to loans | 0.7647% | 2,728 |
| Credit loss provision to net charge-offs | 100.5626% | 4,524 |
| Earnings coverage of net charge-offs (x) | 2.4627% | 3,891 |
| Efficiency ratio | 61.0629% | 5,882 |
| Assets per employee ($millions) | 4.3754% | 3,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 4,307 |
| Loan loss allowance to noncurrent loans | 92.1624% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 1.4807% | 4,095 |
| Noncurrent loans to loans | 1.5682% | 4,147 |
| Net loans and leases to total assets | 73.3022% | 1,809 |
| Net loans and leases to deposits | 87.2604% | 1,900 |
| Net loans and leases to core deposits | 88.5126% | 2,981 |
| Total domestic deposits to total assets | 84.0040% | 4,363 |
| Equity capital to assets | 9.8839% | 3,896 |
| Core capital (leverage) ratio | 9.5804% | 3,589 |
| Tier 1 risk-based capital ratio | 11.9165% | 5,554 |
| Total risk-based capital ratio | 13.1269% | 5,577 |
| Memoranda: | ||
| Average total assets | $117,051,800 | 4,552 |
| Average earning assets | $108,773,600 | 4,492 |
| Average equity | $11,851,600 | 4,650 |
| Average total loans | $92,973,600 | 3,981 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9515% | 5,033 |
| Cost of funding earning assets | 1.6154% | 2,304 |
| Net interest margin | 3.3361% | 5,901 |
| Noninterest income to average assets | 0.7157% | 2,735 |
| Noninterest expense to average assets | 2.2762% | 6,393 |
| Loan and lease loss provision to assets | 0.3607% | 3,729 |
| Net operating income to assets | 0.7583% | 3,187 |
| Return on assets (ROA) | 0.7583% | 3,342 |
| Pretax return on assets | 1.1802% | 2,562 |
| Return on Equity (ROE) | 7.4429% | 3,130 |
| Retained earnings to average equity (ytd only) | 7.4429% | 1,620 |
| Net charge-offs to loans | 0.3995% | 3,686 |
| Credit loss provision to net charge-offs | 111.7857% | 3,784 |
| Earnings coverage of net charge-offs (x) | 4.7750% | 2,929 |
| Efficiency ratio | 59.6316% | 6,007 |
| Assets per employee ($millions) | 4.2883% | 3,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4258% | 4,332 |
| Loan loss allowance to noncurrent loans | 238.6525% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.5847% | 5,977 |
| Noncurrent loans to loans | 0.5975% | 6,015 |
| Net loans and leases to total assets | 77.4991% | 1,126 |
| Net loans and leases to deposits | 92.4062% | 1,395 |
| Net loans and leases to core deposits | 95.0792% | 2,375 |
| Total domestic deposits to total assets | 83.8679% | 4,202 |
| Equity capital to assets | 10.0965% | 4,024 |
| Core capital (leverage) ratio | 9.8386% | 3,442 |
| Tier 1 risk-based capital ratio | 11.6762% | 5,752 |
| Total risk-based capital ratio | 12.8905% | 5,773 |
| Memoranda: | ||
| Average total assets | $115,686,750 | 4,644 |
| Average earning assets | $107,548,000 | 4,582 |
| Average equity | $11,787,250 | 4,743 |
| Average total loans | $93,436,750 | 4,038 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0095% | 4,902 |
| Cost of funding earning assets | 1.6793% | 2,230 |
| Net interest margin | 3.3302% | 5,907 |
| Noninterest income to average assets | 0.5918% | 3,397 |
| Noninterest expense to average assets | 2.2569% | 6,487 |
| Loan and lease loss provision to assets | 0.3152% | 3,857 |
| Net operating income to assets | 0.7126% | 3,348 |
| Return on assets (ROA) | 0.7126% | 3,500 |
| Pretax return on assets | 1.1066% | 2,767 |
| Return on Equity (ROE) | 6.9720% | 3,315 |
| Retained earnings to average equity (ytd only) | 6.9720% | 1,844 |
| Net charge-offs to loans | 0.4682% | 3,136 |
| Credit loss provision to net charge-offs | 82.5688% | 4,638 |
| Earnings coverage of net charge-offs (x) | 3.7248% | 3,202 |
| Efficiency ratio | 61.3517% | 5,805 |
| Assets per employee ($millions) | 4.2441% | 3,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3830% | 4,511 |
| Loan loss allowance to noncurrent loans | 303.5714% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.3770% | 6,491 |
| Noncurrent loans to loans | 0.4556% | 6,341 |
| Net loans and leases to total assets | 79.3387% | 898 |
| Net loans and leases to deposits | 93.2557% | 1,370 |
| Net loans and leases to core deposits | 97.1812% | 2,311 |
| Total domestic deposits to total assets | 85.0765% | 3,587 |
| Equity capital to assets | 10.3516% | 3,585 |
| Core capital (leverage) ratio | 9.9360% | 3,237 |
| Tier 1 risk-based capital ratio | 11.5314% | 5,738 |
| Total risk-based capital ratio | 12.7830% | 5,710 |
| Memoranda: | ||
| Average total assets | $114,225,330 | 4,697 |
| Average earning assets | $105,879,330 | 4,647 |
| Average equity | $11,675,330 | 4,765 |
| Average total loans | $93,115,670 | 4,078 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0503% | 4,784 |
| Cost of funding earning assets | 1.7138% | 2,318 |
| Net interest margin | 3.3365% | 5,835 |
| Noninterest income to average assets | 0.6910% | 2,658 |
| Noninterest expense to average assets | 2.2483% | 6,551 |
| Loan and lease loss provision to assets | 0.3087% | 3,571 |
| Net operating income to assets | 0.7822% | 3,044 |
| Return on assets (ROA) | 0.7822% | 3,160 |
| Pretax return on assets | 1.2206% | 2,295 |
| Return on Equity (ROE) | 7.7016% | 3,024 |
| Retained earnings to average equity (ytd only) | 7.7016% | 1,841 |
| Net charge-offs to loans | 0.2565% | 3,401 |
| Credit loss provision to net charge-offs | 146.6667% | 2,426 |
| Earnings coverage of net charge-offs (x) | 7.2667% | 2,111 |
| Efficiency ratio | 59.5172% | 6,258 |
| Assets per employee ($millions) | 4.1690% | 3,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 4,279 |
| Loan loss allowance to noncurrent loans | 415.1703% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.4442% | 6,354 |
| Noncurrent loans to loans | 0.3439% | 6,613 |
| Net loans and leases to total assets | 82.2366% | 563 |
| Net loans and leases to deposits | 99.3112% | 803 |
| Net loans and leases to core deposits | 102.9437% | 1,826 |
| Total domestic deposits to total assets | 82.8070% | 4,714 |
| Equity capital to assets | 10.3817% | 3,365 |
| Core capital (leverage) ratio | 9.8928% | 3,293 |
| Tier 1 risk-based capital ratio | 10.1600% | 6,921 |
| Total risk-based capital ratio | 11.4103% | 6,914 |
| Memoranda: | ||
| Average total assets | $114,042,500 | 4,766 |
| Average earning assets | $105,499,000 | 4,721 |
| Average equity | $11,582,000 | 4,821 |
| Average total loans | $93,578,500 | 4,132 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2390% | 5,467 |
| Cost of funding earning assets | 2.1307% | 2,326 |
| Net interest margin | 3.1083% | 6,342 |
| Noninterest income to average assets | 0.6265% | 3,451 |
| Noninterest expense to average assets | 2.3385% | 6,641 |
| Loan and lease loss provision to assets | 0.1176% | 6,469 |
| Net operating income to assets | 0.6371% | 3,183 |
| Return on assets (ROA) | 0.6371% | 3,240 |
| Pretax return on assets | 1.0582% | 2,383 |
| Return on Equity (ROE) | 6.5202% | 2,982 |
| Retained earnings to average equity (ytd only) | 6.5202% | 1,143 |
| Net charge-offs to loans | 0.0331% | 6,797 |
| Credit loss provision to net charge-offs | 432.2581% | 723 |
| Earnings coverage of net charge-offs (x) | 43.2258% | 578 |
| Efficiency ratio | 66.5418% | 5,283 |
| Assets per employee ($millions) | 4.2786% | 3,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4081% | 4,194 |
| Loan loss allowance to noncurrent loans | 2,477.3585% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.2554% | 6,814 |
| Noncurrent loans to loans | 0.0568% | 7,279 |
| Net loans and leases to total assets | 79.5822% | 1,069 |
| Net loans and leases to deposits | 96.3023% | 1,297 |
| Net loans and leases to core deposits | 119.4985% | 1,988 |
| Total domestic deposits to total assets | 82.6379% | 4,686 |
| Equity capital to assets | 9.9358% | 3,855 |
| Core capital (leverage) ratio | 9.7982% | 3,326 |
| Tier 1 risk-based capital ratio | 9.9837% | 6,886 |
| Total risk-based capital ratio | 11.2006% | 6,891 |
| Memoranda: | ||
| Average total assets | $113,962,600 | 4,730 |
| Average earning assets | $105,878,400 | 4,683 |
| Average equity | $11,134,600 | 4,984 |
| Average total loans | $93,604,200 | 4,117 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2492% | 5,690 |
| Cost of funding earning assets | 2.2056% | 2,389 |
| Net interest margin | 3.0437% | 6,484 |
| Noninterest income to average assets | 0.5565% | 4,036 |
| Noninterest expense to average assets | 2.2657% | 6,798 |
| Loan and lease loss provision to assets | 0.0082% | 7,241 |
| Net operating income to assets | 0.6680% | 3,323 |
| Return on assets (ROA) | 0.6680% | 3,383 |
| Pretax return on assets | 1.1176% | 2,510 |
| Return on Equity (ROE) | 6.8664% | 3,135 |
| Retained earnings to average equity (ytd only) | 6.8664% | 1,562 |
| Net charge-offs to loans | 0.0199% | 6,626 |
| Credit loss provision to net charge-offs | 50.0000% | 6,304 |
| Earnings coverage of net charge-offs (x) | 68.4858% | 487 |
| Efficiency ratio | 66.8051% | 5,223 |
| Assets per employee ($millions) | 4.1361% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 4,614 |
| Loan loss allowance to noncurrent loans | 2,227.7778% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.2651% | 6,842 |
| Noncurrent loans to loans | 0.0575% | 7,360 |
| Net loans and leases to total assets | 83.0313% | 664 |
| Net loans and leases to deposits | 99.1945% | 1,190 |
| Net loans and leases to core deposits | 126.8985% | 1,660 |
| Total domestic deposits to total assets | 83.7055% | 3,856 |
| Equity capital to assets | 10.1445% | 3,911 |
| Core capital (leverage) ratio | 9.7322% | 3,599 |
| Tier 1 risk-based capital ratio | 9.9245% | 7,038 |
| Total risk-based capital ratio | 11.0665% | 7,092 |
| Memoranda: | ||
| Average total assets | $113,572,750 | 4,761 |
| Average earning assets | $105,790,750 | 4,716 |
| Average equity | $11,048,750 | 5,061 |
| Average total loans | $93,693,250 | 4,157 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2031% | 6,069 |
| Cost of funding earning assets | 2.2485% | 2,586 |
| Net interest margin | 2.9546% | 6,672 |
| Noninterest income to average assets | 0.6322% | 3,456 |
| Noninterest expense to average assets | 2.2819% | 6,811 |
| Loan and lease loss provision to assets | 0.0088% | 7,113 |
| Net operating income to assets | 0.6199% | 3,590 |
| Return on assets (ROA) | 0.6199% | 3,703 |
| Pretax return on assets | 1.0893% | 2,671 |
| Return on Equity (ROE) | 6.4626% | 3,458 |
| Retained earnings to average equity (ytd only) | 6.4626% | 1,815 |
| Net charge-offs to loans | 0.0278% | 6,085 |
| Credit loss provision to net charge-offs | 38.4615% | 5,922 |
| Earnings coverage of net charge-offs (x) | 48.2308% | 700 |
| Efficiency ratio | 67.5130% | 5,252 |
| Assets per employee ($millions) | 4.2694% | 3,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 4,403 |
| Loan loss allowance to noncurrent loans | 2,146.4286% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.2585% | 6,830 |
| Noncurrent loans to loans | 0.0596% | 7,382 |
| Net loans and leases to total assets | 80.5273% | 1,222 |
| Net loans and leases to deposits | 99.2229% | 1,366 |
| Net loans and leases to core deposits | 127.3539% | 1,756 |
| Total domestic deposits to total assets | 81.1579% | 5,016 |
| Equity capital to assets | 9.6310% | 4,454 |
| Core capital (leverage) ratio | 9.2476% | 4,241 |
| Tier 1 risk-based capital ratio | 9.5282% | 7,366 |
| Total risk-based capital ratio | 10.6515% | 7,441 |
| Memoranda: | ||
| Average total assets | $114,205,000 | 4,767 |
| Average earning assets | $106,206,330 | 4,718 |
| Average equity | $10,955,330 | 5,102 |
| Average total loans | $93,614,670 | 4,183 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2950% | 5,911 |
| Cost of funding earning assets | 2.2839% | 2,772 |
| Net interest margin | 3.0111% | 6,454 |
| Noninterest income to average assets | 0.8586% | 2,041 |
| Noninterest expense to average assets | 2.1958% | 6,880 |
| Loan and lease loss provision to assets | 0.0070% | 6,713 |
| Net operating income to assets | 0.8727% | 2,830 |
| Return on assets (ROA) | 0.8727% | 2,978 |
| Pretax return on assets | 1.4533% | 1,807 |
| Return on Equity (ROE) | 9.1160% | 2,662 |
| Retained earnings to average equity (ytd only) | 9.1160% | 1,438 |
| Net charge-offs to loans | 0.0385% | 4,966 |
| Credit loss provision to net charge-offs | 22.2222% | 5,051 |
| Earnings coverage of net charge-offs (x) | 46.1111% | 771 |
| Efficiency ratio | 60.0577% | 6,397 |
| Assets per employee ($millions) | 4.1742% | 3,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 4,065 |
| Loan loss allowance to noncurrent loans | 1,625.6757% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.4933% | 5,989 |
| Noncurrent loans to loans | 0.0800% | 7,293 |
| Net loans and leases to total assets | 80.9554% | 1,208 |
| Net loans and leases to deposits | 100.2615% | 1,379 |
| Net loans and leases to core deposits | 128.1749% | 1,770 |
| Total domestic deposits to total assets | 80.7443% | 5,071 |
| Equity capital to assets | 9.7610% | 4,296 |
| Core capital (leverage) ratio | 9.3035% | 4,243 |
| Tier 1 risk-based capital ratio | 9.4731% | 7,449 |
| Total risk-based capital ratio | 10.6138% | 7,497 |
| Memoranda: | ||
| Average total assets | $113,670,500 | 4,807 |
| Average earning assets | $105,610,000 | 4,760 |
| Average equity | $10,882,000 | 5,140 |
| Average total loans | $93,407,500 | 4,224 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9537% | 5,792 |
| Cost of funding earning assets | 2.8723% | 2,382 |
| Net interest margin | 3.0814% | 6,701 |
| Noninterest income to average assets | 0.4590% | 4,974 |
| Noninterest expense to average assets | 2.0070% | 7,426 |
| Loan and lease loss provision to assets | 0.2957% | 4,018 |
| Net operating income to assets | 0.6584% | 4,071 |
| Return on assets (ROA) | 0.6584% | 3,918 |
| Pretax return on assets | 1.0056% | 3,365 |
| Return on Equity (ROE) | 7.3005% | 3,367 |
| Retained earnings to average equity (ytd only) | 5.3944% | 1,813 |
| Net charge-offs to loans | 0.3813% | 2,926 |
| Credit loss provision to net charge-offs | 96.6292% | 5,491 |
| Earnings coverage of net charge-offs (x) | 4.2528% | 4,055 |
| Efficiency ratio | 60.6651% | 6,227 |
| Assets per employee ($millions) | 4.2458% | 3,041 |
| Cash dividends to net income (ytd only)* | 26.1097% | 4,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 3,913 |
| Loan loss allowance to noncurrent loans | 587.3786% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.6002% | 5,396 |
| Noncurrent loans to loans | 0.2183% | 6,736 |
| Net loans and leases to total assets | 81.2670% | 1,371 |
| Net loans and leases to deposits | 99.9571% | 1,839 |
| Net loans and leases to core deposits | 125.6314% | 2,191 |
| Total domestic deposits to total assets | 81.3018% | 4,510 |
| Equity capital to assets | 9.3888% | 4,836 |
| Core capital (leverage) ratio | 8.9857% | 4,762 |
| Tier 1 risk-based capital ratio | 9.1022% | 7,717 |
| Total risk-based capital ratio | 10.2311% | 7,793 |
| Memoranda: | ||
| Average total assets | $116,344,600 | 4,599 |
| Average earning assets | $107,581,000 | 4,577 |
| Average equity | $10,492,400 | 5,267 |
| Average total loans | $93,374,400 | 4,121 |