Home > American City Bank > Performance and Condition Ratios
American City Bank, Performance and Condition Ratios
| 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 | 5.6441% | 198 |
| Cost of funding earning assets | 0.5844% | 1,547 |
| Net interest margin | 5.0597% | 201 |
| Noninterest income to average assets | 0.2439% | 4,780 |
| Noninterest expense to average assets | 1.9624% | 5,055 |
| Loan and lease loss provision to assets | 0.3136% | 474 |
| Net operating income to assets | 2.4826% | 134 |
| Return on assets (ROA) | 2.4826% | 133 |
| Pretax return on assets | 2.6781% | 160 |
| Return on Equity (ROE) | 13.1747% | 990 |
| Retained earnings to average equity (ytd only) | 13.1747% | 242 |
| Net charge-offs to loans | 0.1977% | 1,019 |
| Credit loss provision to net charge-offs | 178.0220% | 1,366 |
| Earnings coverage of net charge-offs (x) | 16.9817% | 1,948 |
| Efficiency ratio | 39.6118% | 5,639 |
| Assets per employee ($millions) | 5.6007% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 3,759 |
| Loan loss allowance to noncurrent loans | 216.0648% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.8486% | 2,088 |
| Noncurrent loans to loans | 0.4927% | 3,275 |
| Net loans and leases to total assets | 88.4658% | 127 |
| Net loans and leases to deposits | 115.2901% | 175 |
| Net loans and leases to core deposits | 142.8871% | 169 |
| Total domestic deposits to total assets | 76.7332% | 4,998 |
| Equity capital to assets | 19.5988% | 237 |
| Core capital (leverage) ratio | 16.7865% | 385 |
| Tier 1 risk-based capital ratio | 17.4404% | 2,025 |
| Total risk-based capital ratio | 18.4317% | 2,052 |
| Memoranda: | ||
| Average total assets | $309,920,670 | 2,132 |
| Average earning assets | $288,515,000 | 2,122 |
| Average equity | $58,399,670 | 1,352 |
| Average total loans | $276,206,670 | 1,685 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6180% | 200 |
| Cost of funding earning assets | 0.5720% | 1,563 |
| Net interest margin | 5.0459% | 210 |
| Noninterest income to average assets | 0.2586% | 4,681 |
| Noninterest expense to average assets | 2.0022% | 5,046 |
| Loan and lease loss provision to assets | 0.2960% | 467 |
| Net operating income to assets | 2.4307% | 155 |
| Return on assets (ROA) | 2.4307% | 159 |
| Pretax return on assets | 2.6481% | 177 |
| Return on Equity (ROE) | 13.1607% | 966 |
| Retained earnings to average equity (ytd only) | 13.1607% | 363 |
| Net charge-offs to loans | 0.1692% | 967 |
| Credit loss provision to net charge-offs | 196.5812% | 1,024 |
| Earnings coverage of net charge-offs (x) | 19.5556% | 1,523 |
| Efficiency ratio | 40.4787% | 5,685 |
| Assets per employee ($millions) | 6.0350% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 4,239 |
| Loan loss allowance to noncurrent loans | 159.4032% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.9665% | 1,902 |
| Noncurrent loans to loans | 0.6312% | 2,936 |
| Net loans and leases to total assets | 88.7541% | 89 |
| Net loans and leases to deposits | 115.3602% | 132 |
| Net loans and leases to core deposits | 171.9808% | 57 |
| Total domestic deposits to total assets | 76.9365% | 5,121 |
| Equity capital to assets | 18.6056% | 269 |
| Core capital (leverage) ratio | 16.2251% | 434 |
| Tier 1 risk-based capital ratio | 16.3299% | 2,423 |
| Total risk-based capital ratio | 17.2615% | 2,500 |
| Memoranda: | ||
| Average total assets | $310,861,000 | 2,148 |
| Average earning assets | $288,788,000 | 2,139 |
| Average equity | $57,413,500 | 1,372 |
| Average total loans | $276,589,000 | 1,694 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5992% | 219 |
| Cost of funding earning assets | 0.5207% | 1,937 |
| Net interest margin | 5.0785% | 220 |
| Noninterest income to average assets | 0.3546% | 4,199 |
| Noninterest expense to average assets | 2.1784% | 4,827 |
| Loan and lease loss provision to assets | 0.3437% | 499 |
| Net operating income to assets | 2.4106% | 165 |
| Return on assets (ROA) | 2.4106% | 167 |
| Pretax return on assets | 2.5002% | 201 |
| Return on Equity (ROE) | 12.4393% | 1,132 |
| Retained earnings to average equity (ytd only) | 8.0856% | 829 |
| Net charge-offs to loans | 0.2519% | 1,096 |
| Credit loss provision to net charge-offs | 159.2834% | 1,731 |
| Earnings coverage of net charge-offs (x) | 13.1808% | 2,390 |
| Efficiency ratio | 43.2830% | 5,716 |
| Assets per employee ($millions) | 5.2187% | 2,149 |
| Cash dividends to net income (ytd only)* | 35.0000% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 4,330 |
| Loan loss allowance to noncurrent loans | 79.8942% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.5131% | 1,091 |
| Noncurrent loans to loans | 1.2516% | 1,639 |
| Net loans and leases to total assets | 87.3983% | 155 |
| Net loans and leases to deposits | 115.7105% | 133 |
| Net loans and leases to core deposits | 149.0245% | 119 |
| Total domestic deposits to total assets | 75.5318% | 5,293 |
| Equity capital to assets | 18.3302% | 283 |
| Core capital (leverage) ratio | 16.4822% | 400 |
| Tier 1 risk-based capital ratio | 15.9545% | 2,569 |
| Total risk-based capital ratio | 16.8630% | 2,631 |
| Memoranda: | ||
| Average total assets | $284,571,800 | 2,252 |
| Average earning assets | $261,553,400 | 2,272 |
| Average equity | $55,147,600 | 1,391 |
| Average total loans | $243,790,000 | 1,827 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3201% | 355 |
| Cost of funding earning assets | 0.5079% | 2,036 |
| Net interest margin | 4.8121% | 354 |
| Noninterest income to average assets | 0.3817% | 4,055 |
| Noninterest expense to average assets | 1.9042% | 5,367 |
| Loan and lease loss provision to assets | 0.3415% | 470 |
| Net operating income to assets | 2.4610% | 164 |
| Return on assets (ROA) | 2.4610% | 171 |
| Pretax return on assets | 2.5543% | 202 |
| Return on Equity (ROE) | 12.5123% | 1,169 |
| Retained earnings to average equity (ytd only) | 12.5123% | 249 |
| Net charge-offs to loans | 0.2928% | 784 |
| Credit loss provision to net charge-offs | 137.3077% | 1,892 |
| Earnings coverage of net charge-offs (x) | 11.6422% | 2,466 |
| Efficiency ratio | 39.5416% | 5,839 |
| Assets per employee ($millions) | 4.8808% | 2,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 4,412 |
| Loan loss allowance to noncurrent loans | 71.6939% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 1.6613% | 1,036 |
| Noncurrent loans to loans | 1.3944% | 1,580 |
| Net loans and leases to total assets | 86.1671% | 243 |
| Net loans and leases to deposits | 115.8615% | 158 |
| Net loans and leases to core deposits | 135.2404% | 242 |
| Total domestic deposits to total assets | 74.3708% | 5,397 |
| Equity capital to assets | 19.6127% | 237 |
| Core capital (leverage) ratio | 17.9465% | 309 |
| Tier 1 risk-based capital ratio | 17.5932% | 2,046 |
| Total risk-based capital ratio | 18.5190% | 2,102 |
| Memoranda: | ||
| Average total assets | $278,739,250 | 2,300 |
| Average earning assets | $255,930,500 | 2,320 |
| Average equity | $54,824,750 | 1,411 |
| Average total loans | $236,782,750 | 1,865 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2894% | 369 |
| Cost of funding earning assets | 0.5088% | 2,035 |
| Net interest margin | 4.7806% | 384 |
| Noninterest income to average assets | 0.3459% | 4,304 |
| Noninterest expense to average assets | 1.9465% | 5,377 |
| Loan and lease loss provision to assets | 0.3700% | 427 |
| Net operating income to assets | 2.3209% | 193 |
| Return on assets (ROA) | 2.3209% | 203 |
| Pretax return on assets | 2.4048% | 251 |
| Return on Equity (ROE) | 11.7877% | 1,389 |
| Retained earnings to average equity (ytd only) | 11.7877% | 357 |
| Net charge-offs to loans | 0.4533% | 495 |
| Credit loss provision to net charge-offs | 96.9407% | 2,164 |
| Earnings coverage of net charge-offs (x) | 7.2696% | 2,643 |
| Efficiency ratio | 41.0264% | 5,887 |
| Assets per employee ($millions) | 5.1685% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 4,533 |
| Loan loss allowance to noncurrent loans | 77.9333% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 1.5825% | 1,180 |
| Noncurrent loans to loans | 1.2819% | 1,773 |
| Net loans and leases to total assets | 84.5810% | 377 |
| Net loans and leases to deposits | 109.7989% | 260 |
| Net loans and leases to core deposits | 121.5237% | 475 |
| Total domestic deposits to total assets | 77.0327% | 5,156 |
| Equity capital to assets | 20.2604% | 212 |
| Core capital (leverage) ratio | 17.6085% | 322 |
| Tier 1 risk-based capital ratio | 18.7380% | 1,751 |
| Total risk-based capital ratio | 19.6810% | 1,777 |
| Memoranda: | ||
| Average total assets | $274,037,000 | 2,339 |
| Average earning assets | $250,803,670 | 2,376 |
| Average equity | $53,954,670 | 1,434 |
| Average total loans | $230,748,670 | 1,904 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3977% | 294 |
| Cost of funding earning assets | 0.5082% | 2,039 |
| Net interest margin | 4.8895% | 318 |
| Noninterest income to average assets | 0.3430% | 4,276 |
| Noninterest expense to average assets | 2.0898% | 5,134 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.5860% | 140 |
| Return on assets (ROA) | 2.5860% | 146 |
| Pretax return on assets | 2.7042% | 170 |
| Return on Equity (ROE) | 13.3277% | 962 |
| Retained earnings to average equity (ytd only) | 13.3277% | 365 |
| Net charge-offs to loans | 0.1659% | 1,141 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 19.5053% | 1,501 |
| Efficiency ratio | 43.4094% | 5,886 |
| Assets per employee ($millions) | 5.2418% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 4,650 |
| Loan loss allowance to noncurrent loans | 75.6024% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 1.6484% | 1,194 |
| Noncurrent loans to loans | 1.3123% | 1,827 |
| Net loans and leases to total assets | 82.7067% | 479 |
| Net loans and leases to deposits | 107.4174% | 297 |
| Net loans and leases to core deposits | 118.8093% | 502 |
| Total domestic deposits to total assets | 76.9956% | 5,288 |
| Equity capital to assets | 19.8464% | 220 |
| Core capital (leverage) ratio | 17.0061% | 370 |
| Tier 1 risk-based capital ratio | 18.5154% | 1,850 |
| Total risk-based capital ratio | 19.4439% | 1,899 |
| Memoranda: | ||
| Average total assets | $274,091,500 | 2,353 |
| Average earning assets | $249,515,500 | 2,390 |
| Average equity | $53,182,500 | 1,445 |
| Average total loans | $229,108,500 | 1,923 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2746% | 384 |
| Cost of funding earning assets | 0.5642% | 1,639 |
| Net interest margin | 4.7105% | 442 |
| Noninterest income to average assets | 0.4378% | 3,763 |
| Noninterest expense to average assets | 2.0454% | 5,365 |
| Loan and lease loss provision to assets | 0.1582% | 1,470 |
| Net operating income to assets | 2.3821% | 180 |
| Return on assets (ROA) | 2.3821% | 186 |
| Pretax return on assets | 2.5391% | 187 |
| Return on Equity (ROE) | 12.8481% | 1,090 |
| Retained earnings to average equity (ytd only) | 12.8481% | 212 |
| Net charge-offs to loans | 0.0877% | 2,569 |
| Credit loss provision to net charge-offs | 215.9794% | 1,313 |
| Earnings coverage of net charge-offs (x) | 36.8351% | 1,253 |
| Efficiency ratio | 42.9288% | 6,005 |
| Assets per employee ($millions) | 5.0111% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 4,487 |
| Loan loss allowance to noncurrent loans | 74.1102% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 1.7140% | 1,133 |
| Noncurrent loans to loans | 1.3773% | 1,703 |
| Net loans and leases to total assets | 82.7868% | 511 |
| Net loans and leases to deposits | 106.1291% | 358 |
| Net loans and leases to core deposits | 116.3594% | 593 |
| Total domestic deposits to total assets | 78.0058% | 5,164 |
| Equity capital to assets | 18.9649% | 250 |
| Core capital (leverage) ratio | 16.7198% | 398 |
| Tier 1 risk-based capital ratio | 17.6401% | 2,078 |
| Total risk-based capital ratio | 18.5993% | 2,118 |
| Memoranda: | ||
| Average total assets | $264,931,200 | 2,381 |
| Average earning assets | $242,121,000 | 2,405 |
| Average equity | $49,120,200 | 1,523 |
| Average total loans | $221,168,200 | 1,920 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2759% | 386 |
| Cost of funding earning assets | 0.5725% | 1,599 |
| Net interest margin | 4.7034% | 450 |
| Noninterest income to average assets | 0.4916% | 3,426 |
| Noninterest expense to average assets | 2.0859% | 5,305 |
| Loan and lease loss provision to assets | 0.1683% | 1,251 |
| Net operating income to assets | 2.3930% | 188 |
| Return on assets (ROA) | 2.3930% | 196 |
| Pretax return on assets | 2.5480% | 222 |
| Return on Equity (ROE) | 12.9846% | 1,124 |
| Retained earnings to average equity (ytd only) | 12.9846% | 277 |
| Net charge-offs to loans | 0.1225% | 1,902 |
| Credit loss provision to net charge-offs | 164.6766% | 1,566 |
| Earnings coverage of net charge-offs (x) | 26.5824% | 1,609 |
| Efficiency ratio | 43.2352% | 6,056 |
| Assets per employee ($millions) | 4.3800% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9911% | 4,798 |
| Loan loss allowance to noncurrent loans | 65.4493% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 1.9909% | 1,032 |
| Noncurrent loans to loans | 1.5143% | 1,660 |
| Net loans and leases to total assets | 85.8341% | 238 |
| Net loans and leases to deposits | 112.6615% | 195 |
| Net loans and leases to core deposits | 125.4767% | 349 |
| Total domestic deposits to total assets | 76.1876% | 5,462 |
| Equity capital to assets | 19.2842% | 265 |
| Core capital (leverage) ratio | 16.3727% | 442 |
| Tier 1 risk-based capital ratio | 16.9538% | 2,398 |
| Total risk-based capital ratio | 17.8726% | 2,474 |
| Memoranda: | ||
| Average total assets | $262,261,750 | 2,421 |
| Average earning assets | $240,357,500 | 2,436 |
| Average equity | $48,333,000 | 1,551 |
| Average total loans | $218,830,000 | 1,939 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2402% | 402 |
| Cost of funding earning assets | 0.5764% | 1,600 |
| Net interest margin | 4.6638% | 467 |
| Noninterest income to average assets | 0.5678% | 2,923 |
| Noninterest expense to average assets | 2.1077% | 5,324 |
| Loan and lease loss provision to assets | 0.1496% | 1,425 |
| Net operating income to assets | 2.4137% | 190 |
| Return on assets (ROA) | 2.4137% | 197 |
| Pretax return on assets | 2.5648% | 227 |
| Return on Equity (ROE) | 13.3036% | 1,057 |
| Retained earnings to average equity (ytd only) | 13.3036% | 280 |
| Net charge-offs to loans | 0.1029% | 1,978 |
| Credit loss provision to net charge-offs | 176.5766% | 1,363 |
| Earnings coverage of net charge-offs (x) | 32.0450% | 1,310 |
| Efficiency ratio | 43.5037% | 6,134 |
| Assets per employee ($millions) | 4.3273% | 3,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 4,831 |
| Loan loss allowance to noncurrent loans | 72.6050% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 1.9260% | 1,164 |
| Noncurrent loans to loans | 1.3878% | 1,947 |
| Net loans and leases to total assets | 82.3664% | 519 |
| Net loans and leases to deposits | 105.2443% | 399 |
| Net loans and leases to core deposits | 115.8974% | 597 |
| Total domestic deposits to total assets | 78.2621% | 5,220 |
| Equity capital to assets | 18.5910% | 289 |
| Core capital (leverage) ratio | 15.9004% | 481 |
| Tier 1 risk-based capital ratio | 16.9968% | 2,403 |
| Total risk-based capital ratio | 17.9341% | 2,477 |
| Memoranda: | ||
| Average total assets | $262,082,330 | 2,440 |
| Average earning assets | $239,076,670 | 2,465 |
| Average equity | $47,551,000 | 1,575 |
| Average total loans | $215,830,000 | 1,966 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8902% | 715 |
| Cost of funding earning assets | 0.5774% | 1,600 |
| Net interest margin | 4.3128% | 854 |
| Noninterest income to average assets | 0.7368% | 1,983 |
| Noninterest expense to average assets | 2.3068% | 4,858 |
| Loan and lease loss provision to assets | 0.0153% | 3,525 |
| Net operating income to assets | 2.2134% | 228 |
| Return on assets (ROA) | 2.2134% | 238 |
| Pretax return on assets | 2.3390% | 302 |
| Return on Equity (ROE) | 12.3532% | 1,255 |
| Retained earnings to average equity (ytd only) | 12.3532% | 522 |
| Net charge-offs to loans | 0.1309% | 1,464 |
| Credit loss provision to net charge-offs | 14.2857% | 2,402 |
| Earnings coverage of net charge-offs (x) | 21.9571% | 1,365 |
| Efficiency ratio | 49.2935% | 5,962 |
| Assets per employee ($millions) | 4.3717% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 5,181 |
| Loan loss allowance to noncurrent loans | 69.8649% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 2.2246% | 1,033 |
| Noncurrent loans to loans | 1.3846% | 2,074 |
| Net loans and leases to total assets | 82.0795% | 455 |
| Net loans and leases to deposits | 103.7387% | 382 |
| Net loans and leases to core deposits | 111.5919% | 675 |
| Total domestic deposits to total assets | 79.1213% | 5,246 |
| Equity capital to assets | 18.4370% | 299 |
| Core capital (leverage) ratio | 15.3618% | 556 |
| Tier 1 risk-based capital ratio | 16.0093% | 2,915 |
| Total risk-based capital ratio | 16.8715% | 3,031 |
| Memoranda: | ||
| Average total assets | $261,140,000 | 2,461 |
| Average earning assets | $237,619,500 | 2,492 |
| Average equity | $46,789,500 | 1,599 |
| Average total loans | $213,928,500 | 1,986 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7769% | 201 |
| Cost of funding earning assets | 0.6477% | 1,422 |
| Net interest margin | 5.1293% | 239 |
| Noninterest income to average assets | 0.3684% | 4,443 |
| Noninterest expense to average assets | 2.5206% | 4,478 |
| Loan and lease loss provision to assets | 0.0612% | 3,295 |
| Net operating income to assets | 2.2922% | 190 |
| Return on assets (ROA) | 2.2922% | 194 |
| Pretax return on assets | 2.4349% | 215 |
| Return on Equity (ROE) | 13.4540% | 1,050 |
| Retained earnings to average equity (ytd only) | 8.7447% | 759 |
| Net charge-offs to loans | 0.3245% | 1,358 |
| Credit loss provision to net charge-offs | 23.6337% | 3,928 |
| Earnings coverage of net charge-offs (x) | 9.6366% | 2,718 |
| Efficiency ratio | 50.0534% | 6,089 |
| Assets per employee ($millions) | 4.0669% | 3,790 |
| Cash dividends to net income (ytd only)* | 35.0025% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 5,092 |
| Loan loss allowance to noncurrent loans | 55.2154% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 2.5905% | 876 |
| Noncurrent loans to loans | 1.8003% | 1,596 |
| Net loans and leases to total assets | 80.1791% | 722 |
| Net loans and leases to deposits | 100.8911% | 574 |
| Net loans and leases to core deposits | 108.4415% | 863 |
| Total domestic deposits to total assets | 79.4709% | 5,148 |
| Equity capital to assets | 17.4104% | 373 |
| Core capital (leverage) ratio | 14.8198% | 644 |
| Tier 1 risk-based capital ratio | 17.1218% | 2,464 |
| Total risk-based capital ratio | 18.1085% | 2,511 |
| Memoranda: | ||
| Average total assets | $261,370,200 | 2,415 |
| Average earning assets | $236,856,200 | 2,448 |
| Average equity | $44,529,600 | 1,624 |
| Average total loans | $208,645,600 | 1,983 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7880% | 199 |
| Cost of funding earning assets | 0.6630% | 1,374 |
| Net interest margin | 5.1250% | 235 |
| Noninterest income to average assets | 0.3648% | 4,511 |
| Noninterest expense to average assets | 2.4551% | 4,658 |
| Loan and lease loss provision to assets | 0.0819% | 2,714 |
| Net operating income to assets | 2.3144% | 191 |
| Return on assets (ROA) | 2.3144% | 193 |
| Pretax return on assets | 2.4704% | 222 |
| Return on Equity (ROE) | 13.6603% | 1,059 |
| Retained earnings to average equity (ytd only) | 13.6603% | 273 |
| Net charge-offs to loans | 0.4155% | 956 |
| Credit loss provision to net charge-offs | 24.7678% | 3,527 |
| Earnings coverage of net charge-offs (x) | 7.7229% | 2,903 |
| Efficiency ratio | 48.8353% | 6,166 |
| Assets per employee ($millions) | 4.0210% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 5,088 |
| Loan loss allowance to noncurrent loans | 47.7127% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 3.0187% | 778 |
| Noncurrent loans to loans | 2.1549% | 1,425 |
| Net loans and leases to total assets | 82.0396% | 500 |
| Net loans and leases to deposits | 104.2335% | 387 |
| Net loans and leases to core deposits | 111.1749% | 702 |
| Total domestic deposits to total assets | 78.7075% | 5,391 |
| Equity capital to assets | 18.4033% | 310 |
| Core capital (leverage) ratio | 15.2084% | 590 |
| Tier 1 risk-based capital ratio | 17.5947% | 2,357 |
| Total risk-based capital ratio | 18.6063% | 2,409 |
| Memoranda: | ||
| Average total assets | $260,626,000 | 2,446 |
| Average earning assets | $236,090,750 | 2,483 |
| Average equity | $44,156,000 | 1,640 |
| Average total loans | $207,287,250 | 2,000 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7473% | 198 |
| Cost of funding earning assets | 0.6725% | 1,359 |
| Net interest margin | 5.0749% | 251 |
| Noninterest income to average assets | 0.3467% | 4,658 |
| Noninterest expense to average assets | 2.4200% | 4,825 |
| Loan and lease loss provision to assets | 0.1026% | 2,306 |
| Net operating income to assets | 2.2649% | 201 |
| Return on assets (ROA) | 2.2649% | 212 |
| Pretax return on assets | 2.4200% | 248 |
| Return on Equity (ROE) | 13.7488% | 1,006 |
| Retained earnings to average equity (ytd only) | 13.7488% | 278 |
| Net charge-offs to loans | 0.3692% | 1,105 |
| Credit loss provision to net charge-offs | 35.4331% | 2,985 |
| Earnings coverage of net charge-offs (x) | 8.7087% | 2,455 |
| Efficiency ratio | 48.7617% | 6,243 |
| Assets per employee ($millions) | 3.9491% | 3,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 4,633 |
| Loan loss allowance to noncurrent loans | 46.7186% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 3.4496% | 684 |
| Noncurrent loans to loans | 2.4766% | 1,257 |
| Net loans and leases to total assets | 78.6307% | 838 |
| Net loans and leases to deposits | 98.3818% | 643 |
| Net loans and leases to core deposits | 104.2394% | 1,001 |
| Total domestic deposits to total assets | 79.9240% | 5,257 |
| Equity capital to assets | 17.2671% | 385 |
| Core capital (leverage) ratio | 14.4657% | 709 |
| Tier 1 risk-based capital ratio | 16.7542% | 2,726 |
| Total risk-based capital ratio | 17.8706% | 2,741 |
| Memoranda: | ||
| Average total assets | $263,060,000 | 2,428 |
| Average earning assets | $238,232,330 | 2,467 |
| Average equity | $43,334,670 | 1,650 |
| Average total loans | $206,388,000 | 2,006 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6362% | 245 |
| Cost of funding earning assets | 0.6839% | 1,341 |
| Net interest margin | 4.9523% | 299 |
| Noninterest income to average assets | 0.3481% | 4,589 |
| Noninterest expense to average assets | 2.6609% | 4,074 |
| Loan and lease loss provision to assets | 0.0530% | 3,048 |
| Net operating income to assets | 1.9980% | 343 |
| Return on assets (ROA) | 1.9980% | 356 |
| Pretax return on assets | 2.1281% | 409 |
| Return on Equity (ROE) | 12.4237% | 1,306 |
| Retained earnings to average equity (ytd only) | 12.4237% | 554 |
| Net charge-offs to loans | 0.0913% | 2,246 |
| Credit loss provision to net charge-offs | 74.4681% | 1,956 |
| Earnings coverage of net charge-offs (x) | 30.6596% | 1,040 |
| Efficiency ratio | 54.8296% | 5,938 |
| Assets per employee ($millions) | 3.8159% | 4,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 4,130 |
| Loan loss allowance to noncurrent loans | 45.5852% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 3.7690% | 663 |
| Noncurrent loans to loans | 2.8490% | 1,148 |
| Net loans and leases to total assets | 77.1180% | 871 |
| Net loans and leases to deposits | 96.6491% | 611 |
| Net loans and leases to core deposits | 103.3792% | 896 |
| Total domestic deposits to total assets | 79.7917% | 5,525 |
| Equity capital to assets | 16.6539% | 437 |
| Core capital (leverage) ratio | 13.5369% | 961 |
| Tier 1 risk-based capital ratio | 16.3858% | 2,955 |
| Total risk-based capital ratio | 17.6362% | 2,925 |
| Memoranda: | ||
| Average total assets | $264,270,000 | 2,423 |
| Average earning assets | $239,807,000 | 2,446 |
| Average equity | $42,499,500 | 1,679 |
| Average total loans | $205,911,000 | 2,006 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7619% | 242 |
| Cost of funding earning assets | 0.8744% | 845 |
| Net interest margin | 4.8875% | 371 |
| Noninterest income to average assets | 0.4282% | 4,246 |
| Noninterest expense to average assets | 2.0344% | 5,958 |
| Loan and lease loss provision to assets | 0.2889% | 1,184 |
| Net operating income to assets | 2.4063% | 188 |
| Return on assets (ROA) | 2.4063% | 190 |
| Pretax return on assets | 2.5353% | 194 |
| Return on Equity (ROE) | 14.9648% | 774 |
| Retained earnings to average equity (ytd only) | 9.7272% | 613 |
| Net charge-offs to loans | 0.6257% | 1,048 |
| Credit loss provision to net charge-offs | 60.6162% | 3,543 |
| Earnings coverage of net charge-offs (x) | 5.9251% | 3,172 |
| Efficiency ratio | 38.6538% | 6,712 |
| Assets per employee ($millions) | 3.7895% | 4,285 |
| Cash dividends to net income (ytd only)* | 34.9992% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 4,321 |
| Loan loss allowance to noncurrent loans | 33.0542% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 4.3247% | 591 |
| Noncurrent loans to loans | 3.8272% | 778 |
| Net loans and leases to total assets | 76.7257% | 983 |
| Net loans and leases to deposits | 98.5111% | 564 |
| Net loans and leases to core deposits | 103.9713% | 912 |
| Total domestic deposits to total assets | 77.8854% | 5,844 |
| Equity capital to assets | 15.5302% | 590 |
| Core capital (leverage) ratio | 12.7996% | 1,221 |
| Tier 1 risk-based capital ratio | 15.3801% | 3,444 |
| Total risk-based capital ratio | 16.6125% | 3,397 |
| Memoranda: | ||
| Average total assets | $251,960,000 | 2,513 |
| Average earning assets | $228,397,600 | 2,528 |
| Average equity | $40,515,200 | 1,725 |
| Average total loans | $191,950,200 | 2,081 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6126% | 318 |
| Cost of funding earning assets | 0.9067% | 790 |
| Net interest margin | 4.7059% | 510 |
| Noninterest income to average assets | 0.4742% | 3,977 |
| Noninterest expense to average assets | 2.0407% | 5,943 |
| Loan and lease loss provision to assets | 0.3257% | 1,020 |
| Net operating income to assets | 2.2259% | 248 |
| Return on assets (ROA) | 2.2259% | 254 |
| Pretax return on assets | 2.3685% | 286 |
| Return on Equity (ROE) | 13.7152% | 1,065 |
| Retained earnings to average equity (ytd only) | 13.7152% | 276 |
| Net charge-offs to loans | 0.5598% | 1,128 |
| Credit loss provision to net charge-offs | 76.7766% | 2,923 |
| Earnings coverage of net charge-offs (x) | 6.3515% | 2,992 |
| Efficiency ratio | 39.7794% | 6,760 |
| Assets per employee ($millions) | 3.5735% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 3,760 |
| Loan loss allowance to noncurrent loans | 33.9110% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 4.5236% | 665 |
| Noncurrent loans to loans | 4.2238% | 813 |
| Net loans and leases to total assets | 76.3803% | 957 |
| Net loans and leases to deposits | 99.0486% | 512 |
| Net loans and leases to core deposits | 105.1153% | 812 |
| Total domestic deposits to total assets | 77.1139% | 6,031 |
| Equity capital to assets | 15.8874% | 569 |
| Core capital (leverage) ratio | 13.1774% | 1,136 |
| Tier 1 risk-based capital ratio | 15.7464% | 3,327 |
| Total risk-based capital ratio | 17.0029% | 3,277 |
| Memoranda: | ||
| Average total assets | $247,685,750 | 2,565 |
| Average earning assets | $224,251,750 | 2,585 |
| Average equity | $40,197,750 | 1,747 |
| Average total loans | $187,667,500 | 2,127 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4373% | 418 |
| Cost of funding earning assets | 0.9480% | 715 |
| Net interest margin | 4.4894% | 719 |
| Noninterest income to average assets | 0.3693% | 4,760 |
| Noninterest expense to average assets | 2.0173% | 6,015 |
| Loan and lease loss provision to assets | 0.2272% | 1,661 |
| Net operating income to assets | 2.0495% | 331 |
| Return on assets (ROA) | 2.0495% | 346 |
| Pretax return on assets | 2.1817% | 434 |
| Return on Equity (ROE) | 12.5325% | 1,355 |
| Retained earnings to average equity (ytd only) | 12.5325% | 429 |
| Net charge-offs to loans | 0.6376% | 1,030 |
| Credit loss provision to net charge-offs | 47.4138% | 3,264 |
| Earnings coverage of net charge-offs (x) | 5.0276% | 2,981 |
| Efficiency ratio | 41.9933% | 6,754 |
| Assets per employee ($millions) | 3.2542% | 5,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5247% | 3,463 |
| Loan loss allowance to noncurrent loans | 85.9194% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 2.5194% | 1,679 |
| Noncurrent loans to loans | 1.7746% | 2,667 |
| Net loans and leases to total assets | 74.4406% | 1,186 |
| Net loans and leases to deposits | 101.7667% | 340 |
| Net loans and leases to core deposits | 119.0140% | 334 |
| Total domestic deposits to total assets | 73.1483% | 6,498 |
| Equity capital to assets | 16.5797% | 460 |
| Core capital (leverage) ratio | 13.2293% | 1,079 |
| Tier 1 risk-based capital ratio | 16.8165% | 2,780 |
| Total risk-based capital ratio | 18.0358% | 2,770 |
| Memoranda: | ||
| Average total assets | $242,102,330 | 2,634 |
| Average earning assets | $218,784,000 | 2,652 |
| Average equity | $39,593,000 | 1,779 |
| Average total loans | $181,919,330 | 2,183 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6439% | 294 |
| Cost of funding earning assets | 0.9673% | 718 |
| Net interest margin | 4.6766% | 493 |
| Noninterest income to average assets | 0.2837% | 5,432 |
| Noninterest expense to average assets | 2.0570% | 5,993 |
| Loan and lease loss provision to assets | 0.1659% | 2,205 |
| Net operating income to assets | 2.1350% | 270 |
| Return on assets (ROA) | 2.1350% | 297 |
| Pretax return on assets | 2.2793% | 365 |
| Return on Equity (ROE) | 13.1471% | 1,135 |
| Retained earnings to average equity (ytd only) | 13.1471% | 537 |
| Net charge-offs to loans | 0.5049% | 1,193 |
| Credit loss provision to net charge-offs | 43.8596% | 2,702 |
| Earnings coverage of net charge-offs (x) | 6.4649% | 2,215 |
| Efficiency ratio | 42.1518% | 6,836 |
| Assets per employee ($millions) | 3.5457% | 4,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6699% | 3,131 |
| Loan loss allowance to noncurrent loans | 170.1764% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 1.8920% | 2,484 |
| Noncurrent loans to loans | 0.9813% | 4,168 |
| Net loans and leases to total assets | 70.9368% | 1,529 |
| Net loans and leases to deposits | 92.7272% | 747 |
| Net loans and leases to core deposits | 110.1750% | 494 |
| Total domestic deposits to total assets | 76.5005% | 6,306 |
| Equity capital to assets | 15.9813% | 567 |
| Core capital (leverage) ratio | 12.9210% | 1,145 |
| Tier 1 risk-based capital ratio | 16.2704% | 3,119 |
| Total risk-based capital ratio | 17.5302% | 3,069 |
| Memoranda: | ||
| Average total assets | $241,122,000 | 2,662 |
| Average earning assets | $217,509,500 | 2,696 |
| Average equity | $39,157,000 | 1,810 |
| Average total loans | $180,631,500 | 2,205 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3336% | 160 |
| Cost of funding earning assets | 1.1298% | 807 |
| Net interest margin | 5.2038% | 269 |
| Noninterest income to average assets | 0.2551% | 5,637 |
| Noninterest expense to average assets | 2.1240% | 6,074 |
| Loan and lease loss provision to assets | 0.9176% | 482 |
| Net operating income to assets | 1.8967% | 436 |
| Return on assets (ROA) | 1.8967% | 485 |
| Pretax return on assets | 1.9176% | 720 |
| Return on Equity (ROE) | 11.8046% | 1,564 |
| Retained earnings to average equity (ytd only) | 7.6600% | 1,254 |
| Net charge-offs to loans | 0.7371% | 1,598 |
| Credit loss provision to net charge-offs | 164.1985% | 1,634 |
| Earnings coverage of net charge-offs (x) | 5.0733% | 3,155 |
| Efficiency ratio | 39.4581% | 6,938 |
| Assets per employee ($millions) | 3.9669% | 4,017 |
| Cash dividends to net income (ytd only)* | 35.1102% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7112% | 2,890 |
| Loan loss allowance to noncurrent loans | 145.4291% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 2.1897% | 2,240 |
| Noncurrent loans to loans | 1.1767% | 3,885 |
| Net loans and leases to total assets | 76.5197% | 850 |
| Net loans and leases to deposits | 100.4532% | 395 |
| Net loans and leases to core deposits | 116.0847% | 356 |
| Total domestic deposits to total assets | 76.1744% | 6,337 |
| Equity capital to assets | 16.5133% | 477 |
| Core capital (leverage) ratio | 13.0991% | 1,079 |
| Tier 1 risk-based capital ratio | 15.2963% | 3,545 |
| Total risk-based capital ratio | 16.5516% | 3,497 |
| Memoranda: | ||
| Average total assets | $234,412,800 | 2,686 |
| Average earning assets | $211,903,000 | 2,710 |
| Average equity | $37,663,200 | 1,843 |
| Average total loans | $177,728,800 | 2,232 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4770% | 144 |
| Cost of funding earning assets | 1.1623% | 825 |
| Net interest margin | 5.3148% | 236 |
| Noninterest income to average assets | 0.2092% | 6,038 |
| Noninterest expense to average assets | 2.0525% | 6,263 |
| Loan and lease loss provision to assets | 1.0751% | 365 |
| Net operating income to assets | 1.8791% | 478 |
| Return on assets (ROA) | 1.8791% | 561 |
| Pretax return on assets | 1.9018% | 868 |
| Return on Equity (ROE) | 11.7770% | 1,709 |
| Retained earnings to average equity (ytd only) | 11.7770% | 568 |
| Net charge-offs to loans | 0.6055% | 1,822 |
| Credit loss provision to net charge-offs | 235.7855% | 1,176 |
| Earnings coverage of net charge-offs (x) | 6.5287% | 2,768 |
| Efficiency ratio | 37.4859% | 7,056 |
| Assets per employee ($millions) | 4.3434% | 3,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9100% | 2,438 |
| Loan loss allowance to noncurrent loans | 60.1824% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 3.2534% | 1,573 |
| Noncurrent loans to loans | 3.1737% | 1,744 |
| Net loans and leases to total assets | 76.5374% | 890 |
| Net loans and leases to deposits | 102.8971% | 312 |
| Net loans and leases to core deposits | 120.5071% | 297 |
| Total domestic deposits to total assets | 74.3825% | 6,571 |
| Equity capital to assets | 17.3672% | 415 |
| Core capital (leverage) ratio | 13.2397% | 1,092 |
| Tier 1 risk-based capital ratio | 15.7631% | 3,397 |
| Total risk-based capital ratio | 16.9544% | 3,386 |
| Memoranda: | ||
| Average total assets | $234,504,250 | 2,705 |
| Average earning assets | $212,684,250 | 2,726 |
| Average equity | $37,416,750 | 1,879 |
| Average total loans | $176,608,500 | 2,276 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6910% | 110 |
| Cost of funding earning assets | 1.1881% | 862 |
| Net interest margin | 5.5029% | 180 |
| Noninterest income to average assets | 0.1399% | 6,493 |
| Noninterest expense to average assets | 1.9184% | 6,565 |
| Loan and lease loss provision to assets | 1.3303% | 297 |
| Net operating income to assets | 1.8485% | 512 |
| Return on assets (ROA) | 1.8485% | 580 |
| Pretax return on assets | 1.8822% | 878 |
| Return on Equity (ROE) | 11.9194% | 1,690 |
| Retained earnings to average equity (ytd only) | 11.9194% | 595 |
| Net charge-offs to loans | 0.5885% | 1,844 |
| Credit loss provision to net charge-offs | 303.6538% | 964 |
| Earnings coverage of net charge-offs (x) | 7.3327% | 2,500 |
| Efficiency ratio | 34.1708% | 7,135 |
| Assets per employee ($millions) | 4.4981% | 2,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9032% | 2,551 |
| Loan loss allowance to noncurrent loans | 69.6306% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 2.8583% | 1,927 |
| Noncurrent loans to loans | 2.7332% | 2,199 |
| Net loans and leases to total assets | 74.9560% | 1,109 |
| Net loans and leases to deposits | 96.9935% | 573 |
| Net loans and leases to core deposits | 111.0528% | 540 |
| Total domestic deposits to total assets | 77.2794% | 6,285 |
| Equity capital to assets | 16.5634% | 499 |
| Core capital (leverage) ratio | 12.2756% | 1,457 |
| Tier 1 risk-based capital ratio | 15.1276% | 3,681 |
| Total risk-based capital ratio | 16.3846% | 3,643 |
| Memoranda: | ||
| Average total assets | $237,386,670 | 2,686 |
| Average earning assets | $215,305,330 | 2,699 |
| Average equity | $36,814,000 | 1,895 |
| Average total loans | $176,734,330 | 2,275 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5822% | 62 |
| Cost of funding earning assets | 1.2077% | 952 |
| Net interest margin | 6.3745% | 74 |
| Noninterest income to average assets | 0.0630% | 6,885 |
| Noninterest expense to average assets | 2.0201% | 6,425 |
| Loan and lease loss provision to assets | 2.2852% | 117 |
| Net operating income to assets | 1.4467% | 1,125 |
| Return on assets (ROA) | 1.4467% | 1,259 |
| Pretax return on assets | 1.5130% | 1,840 |
| Return on Equity (ROE) | 9.6404% | 2,541 |
| Retained earnings to average equity (ytd only) | 9.6404% | 1,366 |
| Net charge-offs to loans | 0.4147% | 2,063 |
| Credit loss provision to net charge-offs | 749.4565% | 475 |
| Earnings coverage of net charge-offs (x) | 12.4565% | 1,600 |
| Efficiency ratio | 31.9282% | 7,222 |
| Assets per employee ($millions) | 4.6527% | 2,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9976% | 2,360 |
| Loan loss allowance to noncurrent loans | 77.2070% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 2.7131% | 2,174 |
| Noncurrent loans to loans | 2.5874% | 2,518 |
| Net loans and leases to total assets | 70.4033% | 1,684 |
| Net loans and leases to deposits | 89.1101% | 1,050 |
| Net loans and leases to core deposits | 101.6737% | 878 |
| Total domestic deposits to total assets | 79.0071% | 6,070 |
| Equity capital to assets | 15.1489% | 722 |
| Core capital (leverage) ratio | 11.3803% | 1,979 |
| Tier 1 risk-based capital ratio | 14.5810% | 4,039 |
| Total risk-based capital ratio | 15.8410% | 3,988 |
| Memoranda: | ||
| Average total assets | $241,378,000 | 2,654 |
| Average earning assets | $217,931,000 | 2,675 |
| Average equity | $36,222,500 | 1,917 |
| Average total loans | $177,457,500 | 2,273 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9491% | 470 |
| Cost of funding earning assets | 1.4037% | 1,019 |
| Net interest margin | 4.5454% | 1,032 |
| Noninterest income to average assets | 0.1974% | 6,093 |
| Noninterest expense to average assets | 2.0724% | 6,545 |
| Loan and lease loss provision to assets | 1.1812% | 749 |
| Net operating income to assets | 0.9409% | 2,449 |
| Return on assets (ROA) | 0.9409% | 2,574 |
| Pretax return on assets | 1.0469% | 3,046 |
| Return on Equity (ROE) | 6.3918% | 3,698 |
| Retained earnings to average equity (ytd only) | 5.3937% | 2,378 |
| Net charge-offs to loans | 2.1189% | 626 |
| Credit loss provision to net charge-offs | 73.7645% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.3914% | 4,723 |
| Efficiency ratio | 44.2639% | 7,116 |
| Assets per employee ($millions) | 4.3785% | 3,097 |
| Cash dividends to net income (ytd only)* | 15.6152% | 3,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 5,127 |
| Loan loss allowance to noncurrent loans | 45.7321% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 2.9134% | 2,072 |
| Noncurrent loans to loans | 2.7492% | 2,374 |
| Net loans and leases to total assets | 74.2610% | 1,224 |
| Net loans and leases to deposits | 93.8441% | 822 |
| Net loans and leases to core deposits | 109.4322% | 638 |
| Total domestic deposits to total assets | 79.1323% | 5,961 |
| Equity capital to assets | 14.8636% | 811 |
| Core capital (leverage) ratio | 11.0516% | 2,230 |
| Tier 1 risk-based capital ratio | 13.8717% | 4,425 |
| Total risk-based capital ratio | 15.1118% | 4,387 |
| Memoranda: | ||
| Average total assets | $237,550,800 | 2,659 |
| Average earning assets | $214,437,400 | 2,674 |
| Average equity | $34,966,800 | 1,924 |
| Average total loans | $179,528,800 | 2,254 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9550% | 502 |
| Cost of funding earning assets | 1.4388% | 1,075 |
| Net interest margin | 4.5162% | 1,103 |
| Noninterest income to average assets | 0.1830% | 6,286 |
| Noninterest expense to average assets | 2.0411% | 6,611 |
| Loan and lease loss provision to assets | 1.3095% | 572 |
| Net operating income to assets | 0.8296% | 3,025 |
| Return on assets (ROA) | 0.8296% | 3,187 |
| Pretax return on assets | 0.9163% | 3,698 |
| Return on Equity (ROE) | 5.6500% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.6500% | 2,773 |
| Net charge-offs to loans | 2.3118% | 508 |
| Credit loss provision to net charge-offs | 74.8551% | 4,322 |
| Earnings coverage of net charge-offs (x) | 1.2724% | 4,662 |
| Efficiency ratio | 43.8622% | 7,148 |
| Assets per employee ($millions) | 4.3061% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3781% | 4,645 |
| Loan loss allowance to noncurrent loans | 55.3730% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 2.7945% | 2,325 |
| Noncurrent loans to loans | 2.4888% | 2,785 |
| Net loans and leases to total assets | 76.7536% | 873 |
| Net loans and leases to deposits | 100.1330% | 471 |
| Net loans and leases to core deposits | 116.6937% | 478 |
| Total domestic deposits to total assets | 76.6517% | 6,429 |
| Equity capital to assets | 15.2801% | 775 |
| Core capital (leverage) ratio | 11.1871% | 2,241 |
| Tier 1 risk-based capital ratio | 13.5981% | 4,653 |
| Total risk-based capital ratio | 14.8495% | 4,624 |
| Memoranda: | ||
| Average total assets | $236,734,250 | 2,679 |
| Average earning assets | $214,067,500 | 2,695 |
| Average equity | $34,760,000 | 1,936 |
| Average total loans | $179,133,500 | 2,277 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9483% | 524 |
| Cost of funding earning assets | 1.4673% | 1,129 |
| Net interest margin | 4.4809% | 1,179 |
| Noninterest income to average assets | 0.1579% | 6,529 |
| Noninterest expense to average assets | 2.0039% | 6,783 |
| Loan and lease loss provision to assets | 1.1674% | 680 |
| Net operating income to assets | 0.9768% | 2,329 |
| Return on assets (ROA) | 0.9768% | 2,428 |
| Pretax return on assets | 1.0389% | 3,078 |
| Return on Equity (ROE) | 6.7414% | 3,558 |
| Retained earnings to average equity (ytd only) | 6.7414% | 1,990 |
| Net charge-offs to loans | 2.7896% | 391 |
| Credit loss provision to net charge-offs | 55.8233% | 4,442 |
| Earnings coverage of net charge-offs (x) | 1.0550% | 4,499 |
| Efficiency ratio | 43.6066% | 7,250 |
| Assets per employee ($millions) | 4.4166% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 5,401 |
| Loan loss allowance to noncurrent loans | 65.8988% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 2.2864% | 2,868 |
| Noncurrent loans to loans | 1.8726% | 3,651 |
| Net loans and leases to total assets | 74.3330% | 1,354 |
| Net loans and leases to deposits | 94.5297% | 833 |
| Net loans and leases to core deposits | 108.0485% | 816 |
| Total domestic deposits to total assets | 78.6346% | 6,164 |
| Equity capital to assets | 15.0090% | 822 |
| Core capital (leverage) ratio | 11.0364% | 2,216 |
| Tier 1 risk-based capital ratio | 13.5246% | 4,507 |
| Total risk-based capital ratio | 14.7224% | 4,530 |
| Memoranda: | ||
| Average total assets | $238,135,330 | 2,673 |
| Average earning assets | $215,356,330 | 2,700 |
| Average equity | $34,503,000 | 1,933 |
| Average total loans | $178,521,330 | 2,303 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8765% | 629 |
| Cost of funding earning assets | 1.4540% | 1,366 |
| Net interest margin | 4.4226% | 1,232 |
| Noninterest income to average assets | 0.4114% | 4,612 |
| Noninterest expense to average assets | 2.1452% | 6,540 |
| Loan and lease loss provision to assets | 1.5156% | 418 |
| Net operating income to assets | 0.7562% | 3,240 |
| Return on assets (ROA) | 0.7562% | 3,304 |
| Pretax return on assets | 0.7578% | 4,066 |
| Return on Equity (ROE) | 5.3118% | 4,234 |
| Retained earnings to average equity (ytd only) | 5.3118% | 2,999 |
| Net charge-offs to loans | 0.8615% | 1,532 |
| Credit loss provision to net charge-offs | 235.1421% | 1,310 |
| Earnings coverage of net charge-offs (x) | 3.5271% | 2,714 |
| Efficiency ratio | 44.7795% | 7,253 |
| Assets per employee ($millions) | 5.0357% | 2,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1080% | 2,174 |
| Loan loss allowance to noncurrent loans | 66.4334% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 3.2298% | 2,130 |
| Noncurrent loans to loans | 3.1731% | 2,372 |
| Net loans and leases to total assets | 72.9665% | 1,519 |
| Net loans and leases to deposits | 91.1916% | 1,095 |
| Net loans and leases to core deposits | 108.8663% | 794 |
| Total domestic deposits to total assets | 80.0145% | 5,943 |
| Equity capital to assets | 14.3148% | 925 |
| Core capital (leverage) ratio | 10.2825% | 2,823 |
| Tier 1 risk-based capital ratio | 12.6894% | 5,076 |
| Total risk-based capital ratio | 13.9489% | 5,042 |
| Memoranda: | ||
| Average total assets | $240,163,500 | 2,664 |
| Average earning assets | $217,611,000 | 2,695 |
| Average equity | $34,188,000 | 1,937 |
| Average total loans | $179,696,000 | 2,314 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1351% | 646 |
| Cost of funding earning assets | 1.7157% | 1,527 |
| Net interest margin | 4.4194% | 1,417 |
| Noninterest income to average assets | 0.2796% | 5,778 |
| Noninterest expense to average assets | 2.2394% | 6,514 |
| Loan and lease loss provision to assets | 1.5743% | 922 |
| Net operating income to assets | 0.4077% | 4,509 |
| Return on assets (ROA) | 0.4077% | 4,639 |
| Pretax return on assets | 0.4372% | 4,832 |
| Return on Equity (ROE) | 2.7203% | 5,080 |
| Retained earnings to average equity (ytd only) | 0.3187% | 5,422 |
| Net charge-offs to loans | 1.3965% | 1,593 |
| Credit loss provision to net charge-offs | 151.3356% | 2,381 |
| Earnings coverage of net charge-offs (x) | 1.9336% | 4,278 |
| Efficiency ratio | 48.5037% | 7,238 |
| Assets per employee ($millions) | 4.8696% | 2,326 |
| Cash dividends to net income (ytd only)* | 88.2854% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8273% | 2,769 |
| Loan loss allowance to noncurrent loans | 213.4941% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 1.7124% | 3,735 |
| Noncurrent loans to loans | 0.8559% | 5,355 |
| Net loans and leases to total assets | 73.7381% | 1,711 |
| Net loans and leases to deposits | 93.4636% | 1,104 |
| Net loans and leases to core deposits | 114.3076% | 715 |
| Total domestic deposits to total assets | 78.8950% | 6,107 |
| Equity capital to assets | 14.1548% | 992 |
| Core capital (leverage) ratio | 10.2746% | 2,792 |
| Tier 1 risk-based capital ratio | 12.7685% | 4,798 |
| Total risk-based capital ratio | 14.0254% | 4,759 |
| Memoranda: | ||
| Average total assets | $230,328,200 | 2,753 |
| Average earning assets | $206,971,800 | 2,784 |
| Average equity | $34,518,600 | 1,917 |
| Average total loans | $171,571,600 | 2,450 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1274% | 725 |
| Cost of funding earning assets | 1.7780% | 1,520 |
| Net interest margin | 4.3493% | 1,681 |
| Noninterest income to average assets | 0.2915% | 5,795 |
| Noninterest expense to average assets | 2.2436% | 6,482 |
| Loan and lease loss provision to assets | 0.7570% | 2,022 |
| Net operating income to assets | 1.0707% | 2,002 |
| Return on assets (ROA) | 1.0707% | 2,112 |
| Pretax return on assets | 1.1916% | 2,520 |
| Return on Equity (ROE) | 7.0421% | 3,329 |
| Retained earnings to average equity (ytd only) | 7.0421% | 1,824 |
| Net charge-offs to loans | 0.9187% | 2,160 |
| Credit loss provision to net charge-offs | 110.8640% | 3,817 |
| Earnings coverage of net charge-offs (x) | 2.8537% | 3,708 |
| Efficiency ratio | 49.2406% | 7,197 |
| Assets per employee ($millions) | 4.4855% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 5,360 |
| Loan loss allowance to noncurrent loans | 161.8480% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 1.1872% | 4,764 |
| Noncurrent loans to loans | 0.7578% | 5,687 |
| Net loans and leases to total assets | 74.9991% | 1,588 |
| Net loans and leases to deposits | 99.7849% | 675 |
| Net loans and leases to core deposits | 118.2422% | 676 |
| Total domestic deposits to total assets | 75.1608% | 6,784 |
| Equity capital to assets | 15.4242% | 788 |
| Core capital (leverage) ratio | 10.9556% | 2,288 |
| Tier 1 risk-based capital ratio | 13.7364% | 4,028 |
| Total risk-based capital ratio | 14.9426% | 4,016 |
| Memoranda: | ||
| Average total assets | $228,257,250 | 2,814 |
| Average earning assets | $204,716,250 | 2,858 |
| Average equity | $34,704,500 | 1,931 |
| Average total loans | $169,658,750 | 2,517 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1058% | 748 |
| Cost of funding earning assets | 1.8257% | 1,540 |
| Net interest margin | 4.2800% | 1,851 |
| Noninterest income to average assets | 0.3248% | 5,555 |
| Noninterest expense to average assets | 2.2481% | 6,510 |
| Loan and lease loss provision to assets | 0.7908% | 1,821 |
| Net operating income to assets | 1.0018% | 2,196 |
| Return on assets (ROA) | 1.0018% | 2,275 |
| Pretax return on assets | 1.1201% | 2,713 |
| Return on Equity (ROE) | 6.6218% | 3,480 |
| Retained earnings to average equity (ytd only) | 6.6218% | 2,006 |
| Net charge-offs to loans | 1.0444% | 1,795 |
| Credit loss provision to net charge-offs | 102.6346% | 3,972 |
| Earnings coverage of net charge-offs (x) | 2.4800% | 3,754 |
| Efficiency ratio | 49.7029% | 7,246 |
| Assets per employee ($millions) | 4.3657% | 3,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 5,318 |
| Loan loss allowance to noncurrent loans | 114.1280% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 1.5616% | 4,119 |
| Noncurrent loans to loans | 1.0747% | 5,167 |
| Net loans and leases to total assets | 73.3620% | 2,068 |
| Net loans and leases to deposits | 94.1225% | 1,258 |
| Net loans and leases to core deposits | 103.8705% | 1,655 |
| Total domestic deposits to total assets | 77.9432% | 6,282 |
| Equity capital to assets | 15.5217% | 767 |
| Core capital (leverage) ratio | 10.9939% | 2,249 |
| Tier 1 risk-based capital ratio | 13.7114% | 3,931 |
| Total risk-based capital ratio | 14.8961% | 3,939 |
| Memoranda: | ||
| Average total assets | $226,595,000 | 2,853 |
| Average earning assets | $202,988,330 | 2,899 |
| Average equity | $34,280,670 | 1,950 |
| Average total loans | $167,177,330 | 2,597 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0131% | 955 |
| Cost of funding earning assets | 1.8678% | 1,578 |
| Net interest margin | 4.1453% | 2,251 |
| Noninterest income to average assets | 0.3216% | 5,575 |
| Noninterest expense to average assets | 2.2139% | 6,655 |
| Loan and lease loss provision to assets | 1.0266% | 1,210 |
| Net operating income to assets | 0.6785% | 3,532 |
| Return on assets (ROA) | 0.6785% | 3,649 |
| Pretax return on assets | 0.7986% | 3,873 |
| Return on Equity (ROE) | 4.5440% | 4,629 |
| Retained earnings to average equity (ytd only) | 4.5440% | 3,428 |
| Net charge-offs to loans | 0.9612% | 1,693 |
| Credit loss provision to net charge-offs | 145.2500% | 2,453 |
| Earnings coverage of net charge-offs (x) | 2.5825% | 3,245 |
| Efficiency ratio | 50.3500% | 7,288 |
| Assets per employee ($millions) | 4.0848% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 4,729 |
| Loan loss allowance to noncurrent loans | 102.1101% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 1.5817% | 4,127 |
| Noncurrent loans to loans | 1.3132% | 4,787 |
| Net loans and leases to total assets | 71.5980% | 2,547 |
| Net loans and leases to deposits | 90.6901% | 1,800 |
| Net loans and leases to core deposits | 100.1339% | 2,116 |
| Total domestic deposits to total assets | 78.9480% | 6,093 |
| Equity capital to assets | 14.8836% | 910 |
| Core capital (leverage) ratio | 10.5045% | 2,617 |
| Tier 1 risk-based capital ratio | 13.5146% | 3,973 |
| Total risk-based capital ratio | 14.7653% | 3,936 |
| Memoranda: | ||
| Average total assets | $226,383,500 | 2,912 |
| Average earning assets | $203,023,500 | 2,954 |
| Average equity | $33,802,500 | 1,996 |
| Average total loans | $166,459,500 | 2,668 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1155% | 1,478 |
| Cost of funding earning assets | 2.1262% | 2,340 |
| Net interest margin | 3.9892% | 2,901 |
| Noninterest income to average assets | 0.3067% | 5,890 |
| Noninterest expense to average assets | 2.3400% | 6,632 |
| Loan and lease loss provision to assets | 0.7069% | 2,997 |
| Net operating income to assets | 0.7571% | 2,687 |
| Return on assets (ROA) | 0.8355% | 2,484 |
| Pretax return on assets | 0.9248% | 2,847 |
| Return on Equity (ROE) | 5.6467% | 3,356 |
| Retained earnings to average equity (ytd only) | 5.6467% | 1,502 |
| Net charge-offs to loans | 0.9300% | 2,534 |
| Credit loss provision to net charge-offs | 102.1739% | 5,413 |
| Earnings coverage of net charge-offs (x) | 2.2325% | 4,043 |
| Efficiency ratio | 55.3796% | 7,087 |
| Assets per employee ($millions) | 4.0731% | 3,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 5,210 |
| Loan loss allowance to noncurrent loans | 91.2539% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 1.5566% | 4,043 |
| Noncurrent loans to loans | 1.3426% | 4,682 |
| Net loans and leases to total assets | 73.5960% | 2,364 |
| Net loans and leases to deposits | 93.4865% | 1,662 |
| Net loans and leases to core deposits | 132.0019% | 1,175 |
| Total domestic deposits to total assets | 78.7237% | 6,054 |
| Equity capital to assets | 14.9804% | 914 |
| Core capital (leverage) ratio | 10.7771% | 2,363 |
| Tier 1 risk-based capital ratio | 13.2607% | 3,981 |
| Total risk-based capital ratio | 14.4609% | 3,955 |
| Memoranda: | ||
| Average total assets | $219,398,400 | 2,953 |
| Average earning assets | $196,779,800 | 3,014 |
| Average equity | $32,461,400 | 2,063 |
| Average total loans | $163,224,400 | 2,715 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0843% | 1,706 |
| Cost of funding earning assets | 2.1790% | 2,505 |
| Net interest margin | 3.9053% | 3,223 |
| Noninterest income to average assets | 0.3201% | 5,918 |
| Noninterest expense to average assets | 2.2482% | 6,842 |
| Loan and lease loss provision to assets | 0.6708% | 2,728 |
| Net operating income to assets | 0.8335% | 2,689 |
| Return on assets (ROA) | 0.9408% | 2,333 |
| Pretax return on assets | 1.0270% | 2,817 |
| Return on Equity (ROE) | 6.3792% | 3,359 |
| Retained earnings to average equity (ytd only) | 6.3792% | 1,779 |
| Net charge-offs to loans | 0.8322% | 2,299 |
| Credit loss provision to net charge-offs | 108.3909% | 4,692 |
| Earnings coverage of net charge-offs (x) | 2.5548% | 3,948 |
| Efficiency ratio | 53.7652% | 7,264 |
| Assets per employee ($millions) | 4.1085% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 4,628 |
| Loan loss allowance to noncurrent loans | 65.5927% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 2.1354% | 3,181 |
| Noncurrent loans to loans | 1.9485% | 3,707 |
| Net loans and leases to total assets | 74.3870% | 2,414 |
| Net loans and leases to deposits | 95.2723% | 1,672 |
| Net loans and leases to core deposits | 136.8803% | 1,058 |
| Total domestic deposits to total assets | 78.0784% | 6,067 |
| Equity capital to assets | 15.2861% | 931 |
| Core capital (leverage) ratio | 10.6628% | 2,656 |
| Tier 1 risk-based capital ratio | 13.4129% | 3,915 |
| Total risk-based capital ratio | 14.6630% | 3,850 |
| Memoranda: | ||
| Average total assets | $218,243,250 | 2,987 |
| Average earning assets | $196,105,500 | 3,041 |
| Average equity | $32,187,000 | 2,095 |
| Average total loans | $162,302,000 | 2,753 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0213% | 2,096 |
| Cost of funding earning assets | 2.2364% | 2,640 |
| Net interest margin | 3.7849% | 3,609 |
| Noninterest income to average assets | 0.3361% | 5,821 |
| Noninterest expense to average assets | 2.2289% | 6,976 |
| Loan and lease loss provision to assets | 0.6712% | 2,423 |
| Net operating income to assets | 0.7837% | 2,917 |
| Return on assets (ROA) | 0.8553% | 2,735 |
| Pretax return on assets | 0.9194% | 3,277 |
| Return on Equity (ROE) | 5.8704% | 3,713 |
| Retained earnings to average equity (ytd only) | 5.8704% | 2,087 |
| Net charge-offs to loans | 0.4947% | 2,849 |
| Credit loss provision to net charge-offs | 183.2500% | 2,505 |
| Earnings coverage of net charge-offs (x) | 4.1325% | 3,206 |
| Efficiency ratio | 54.4898% | 7,281 |
| Assets per employee ($millions) | 4.2107% | 3,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 3,626 |
| Loan loss allowance to noncurrent loans | 85.2417% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 1.5994% | 3,821 |
| Noncurrent loans to loans | 1.6648% | 3,997 |
| Net loans and leases to total assets | 74.4001% | 2,595 |
| Net loans and leases to deposits | 93.1774% | 2,242 |
| Net loans and leases to core deposits | 132.1088% | 1,430 |
| Total domestic deposits to total assets | 79.8478% | 5,527 |
| Equity capital to assets | 14.7921% | 1,084 |
| Core capital (leverage) ratio | 10.1860% | 3,112 |
| Tier 1 risk-based capital ratio | 13.0513% | 4,107 |
| Total risk-based capital ratio | 14.3037% | 4,028 |
| Memoranda: | ||
| Average total assets | $218,406,670 | 2,999 |
| Average earning assets | $196,568,000 | 3,046 |
| Average equity | $31,820,670 | 2,127 |
| Average total loans | $161,710,330 | 2,783 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8553% | 3,016 |
| Cost of funding earning assets | 2.2885% | 2,751 |
| Net interest margin | 3.5667% | 4,459 |
| Noninterest income to average assets | 0.3099% | 5,966 |
| Noninterest expense to average assets | 2.2812% | 6,599 |
| Loan and lease loss provision to assets | 0.3209% | 3,406 |
| Net operating income to assets | 0.8417% | 2,943 |
| Return on assets (ROA) | 0.8417% | 3,088 |
| Pretax return on assets | 0.9059% | 3,694 |
| Return on Equity (ROE) | 5.8217% | 4,111 |
| Retained earnings to average equity (ytd only) | 5.8217% | 2,710 |
| Net charge-offs to loans | 0.1751% | 3,587 |
| Credit loss provision to net charge-offs | 250.0000% | 1,869 |
| Earnings coverage of net charge-offs (x) | 9.5571% | 2,046 |
| Efficiency ratio | 59.6445% | 6,450 |
| Assets per employee ($millions) | 4.1471% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 4,027 |
| Loan loss allowance to noncurrent loans | 89.8176% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 1.3678% | 3,924 |
| Noncurrent loans to loans | 1.4565% | 4,121 |
| Net loans and leases to total assets | 71.3155% | 3,403 |
| Net loans and leases to deposits | 88.5131% | 3,196 |
| Net loans and leases to core deposits | 121.9390% | 2,263 |
| Total domestic deposits to total assets | 80.5705% | 5,147 |
| Equity capital to assets | 14.2527% | 1,294 |
| Core capital (leverage) ratio | 10.0907% | 3,304 |
| Tier 1 risk-based capital ratio | 12.7795% | 4,337 |
| Total risk-based capital ratio | 14.0300% | 4,248 |
| Memoranda: | ||
| Average total assets | $218,133,000 | 3,007 |
| Average earning assets | $195,585,000 | 3,073 |
| Average equity | $31,537,000 | 2,149 |
| Average total loans | $159,942,000 | 2,847 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9435% | 1,275 |
| Cost of funding earning assets | 2.7401% | 2,975 |
| Net interest margin | 4.2034% | 2,300 |
| Noninterest income to average assets | 0.3066% | 6,258 |
| Noninterest expense to average assets | 2.0883% | 7,263 |
| Loan and lease loss provision to assets | 0.6577% | 2,210 |
| Net operating income to assets | 1.1819% | 1,835 |
| Return on assets (ROA) | 1.2313% | 1,624 |
| Pretax return on assets | 1.3072% | 2,286 |
| Return on Equity (ROE) | 8.0786% | 3,039 |
| Retained earnings to average equity (ytd only) | 8.0786% | 823 |
| Net charge-offs to loans | 0.5326% | 2,231 |
| Credit loss provision to net charge-offs | 165.1842% | 3,115 |
| Earnings coverage of net charge-offs (x) | 4.8030% | 3,850 |
| Efficiency ratio | 46.9145% | 7,882 |
| Assets per employee ($millions) | 4.4234% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 3,972 |
| Loan loss allowance to noncurrent loans | 116.0323% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 1.1492% | 3,970 |
| Noncurrent loans to loans | 1.0970% | 4,368 |
| Net loans and leases to total assets | 73.4960% | 3,229 |
| Net loans and leases to deposits | 92.0518% | 3,128 |
| Net loans and leases to core deposits | 128.6058% | 1,956 |
| Total domestic deposits to total assets | 79.8420% | 5,085 |
| Equity capital to assets | 14.6739% | 1,257 |
| Core capital (leverage) ratio | 10.3085% | 3,167 |
| Tier 1 risk-based capital ratio | 12.6966% | 4,293 |
| Total risk-based capital ratio | 13.9465% | 4,213 |
| Memoranda: | ||
| Average total assets | $197,673,400 | 3,172 |
| Average earning assets | $173,716,200 | 3,272 |
| Average equity | $30,128,800 | 2,254 |
| Average total loans | $147,775,800 | 2,968 |