Home > Calumet County Bank > Performance and Condition Ratios
Calumet County Bank, Performance and Condition Ratios
| 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 | 3.4841% | 4,923 |
| Cost of funding earning assets | 0.2634% | 4,567 |
| Net interest margin | 3.2207% | 4,510 |
| Noninterest income to average assets | 0.2344% | 5,068 |
| Noninterest expense to average assets | 2.9565% | 2,522 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1259% | 5,643 |
| Return on assets (ROA) | 0.1259% | 5,694 |
| Pretax return on assets | 0.0912% | 5,745 |
| Return on Equity (ROE) | 1.2855% | 5,648 |
| Retained earnings to average equity (ytd only) | 1.2855% | 4,742 |
| Net charge-offs to loans | 0.5883% | 376 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.2958% | 2,942 |
| Efficiency ratio | 97.0085% | 373 |
| Assets per employee ($millions) | 4.0460% | 3,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6069% | 120 |
| Loan loss allowance to noncurrent loans | 41.2329% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 4.8656% | 174 |
| Noncurrent loans to loans | 8.7476% | 58 |
| Net loans and leases to total assets | 51.6104% | 4,663 |
| Net loans and leases to deposits | 57.5365% | 4,881 |
| Net loans and leases to core deposits | 61.5273% | 4,839 |
| Total domestic deposits to total assets | 89.7004% | 732 |
| Equity capital to assets | 10.1805% | 3,866 |
| Core capital (leverage) ratio | 9.8494% | 3,721 |
| Tier 1 risk-based capital ratio | 16.5452% | 2,464 |
| Total risk-based capital ratio | 17.8205% | 2,401 |
| Memoranda: | ||
| Average total assets | $92,136,000 | 4,613 |
| Average earning assets | $80,480,000 | 4,691 |
| Average equity | $9,024,000 | 4,860 |
| Average total loans | $48,274,500 | 4,726 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0724% | 3,024 |
| Cost of funding earning assets | 0.2898% | 4,370 |
| Net interest margin | 3.7826% | 2,434 |
| Noninterest income to average assets | 0.2512% | 5,090 |
| Noninterest expense to average assets | 3.0470% | 2,395 |
| Loan and lease loss provision to assets | 0.5592% | 200 |
| Net operating income to assets | 0.0311% | 5,844 |
| Return on assets (ROA) | 0.0437% | 5,857 |
| Pretax return on assets | -0.1278% | 5,937 |
| Return on Equity (ROE) | 0.4489% | 5,846 |
| Retained earnings to average equity (ytd only) | 0.4489% | 5,336 |
| Net charge-offs to loans | 0.4790% | 561 |
| Credit loss provision to net charge-offs | 188.9299% | 1,461 |
| Earnings coverage of net charge-offs (x) | 1.3911% | 4,097 |
| Efficiency ratio | 88.0960% | 829 |
| Assets per employee ($millions) | 4.3300% | 3,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6613% | 109 |
| Loan loss allowance to noncurrent loans | 66.6170% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 2.8207% | 496 |
| Noncurrent loans to loans | 5.4960% | 168 |
| Net loans and leases to total assets | 49.4441% | 4,917 |
| Net loans and leases to deposits | 54.6702% | 5,123 |
| Net loans and leases to core deposits | 59.1604% | 5,033 |
| Total domestic deposits to total assets | 90.4408% | 453 |
| Equity capital to assets | 9.4332% | 4,632 |
| Core capital (leverage) ratio | 9.7986% | 3,779 |
| Tier 1 risk-based capital ratio | 16.6757% | 2,400 |
| Total risk-based capital ratio | 17.9518% | 2,342 |
| Memoranda: | ||
| Average total assets | $91,564,800 | 4,631 |
| Average earning assets | $77,644,000 | 4,773 |
| Average equity | $8,910,800 | 4,873 |
| Average total loans | $56,573,200 | 4,481 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1200% | 2,854 |
| Cost of funding earning assets | 0.2959% | 4,384 |
| Net interest margin | 3.8241% | 2,294 |
| Noninterest income to average assets | 0.2398% | 5,214 |
| Noninterest expense to average assets | 3.1332% | 2,132 |
| Loan and lease loss provision to assets | 0.7531% | 99 |
| Net operating income to assets | -0.1192% | 6,013 |
| Return on assets (ROA) | -0.1192% | 6,037 |
| Pretax return on assets | -0.3957% | 6,113 |
| Return on Equity (ROE) | -1.2146% | 6,038 |
| Retained earnings to average equity (ytd only) | -1.2146% | 5,781 |
| Net charge-offs to loans | 0.1276% | 1,856 |
| Credit loss provision to net charge-offs | 914.2857% | 398 |
| Earnings coverage of net charge-offs (x) | 4.3395% | 3,364 |
| Efficiency ratio | 89.7598% | 720 |
| Assets per employee ($millions) | 3.7816% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5572% | 133 |
| Loan loss allowance to noncurrent loans | 24.8790% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 8.8797% | 68 |
| Noncurrent loans to loans | 14.2981% | 17 |
| Net loans and leases to total assets | 59.8944% | 3,895 |
| Net loans and leases to deposits | 66.5822% | 4,322 |
| Net loans and leases to core deposits | 72.3446% | 4,161 |
| Total domestic deposits to total assets | 89.9557% | 589 |
| Equity capital to assets | 9.8250% | 4,367 |
| Core capital (leverage) ratio | 9.8897% | 3,779 |
| Tier 1 risk-based capital ratio | 14.9504% | 3,317 |
| Total risk-based capital ratio | 16.2273% | 3,246 |
| Memoranda: | ||
| Average total assets | $90,641,250 | 4,709 |
| Average earning assets | $77,052,250 | 4,846 |
| Average equity | $8,892,000 | 4,935 |
| Average total loans | $58,494,000 | 4,459 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2208% | 2,473 |
| Cost of funding earning assets | 0.3034% | 4,363 |
| Net interest margin | 3.9175% | 1,921 |
| Noninterest income to average assets | 0.2296% | 5,319 |
| Noninterest expense to average assets | 3.0882% | 2,279 |
| Loan and lease loss provision to assets | 1.1302% | 56 |
| Net operating income to assets | -0.2936% | 6,132 |
| Return on assets (ROA) | -0.2936% | 6,148 |
| Pretax return on assets | -0.6821% | 6,215 |
| Return on Equity (ROE) | -2.9943% | 6,157 |
| Retained earnings to average equity (ytd only) | -2.9943% | 5,924 |
| Net charge-offs to loans | 0.0034% | 3,784 |
| Credit loss provision to net charge-offs | 51,200.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 203.0000% | 346 |
| Efficiency ratio | 87.3283% | 956 |
| Assets per employee ($millions) | 3.9710% | 3,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5755% | 153 |
| Loan loss allowance to noncurrent loans | 88.1472% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 2.5807% | 717 |
| Noncurrent loans to loans | 4.0563% | 372 |
| Net loans and leases to total assets | 60.8258% | 3,711 |
| Net loans and leases to deposits | 67.4871% | 4,182 |
| Net loans and leases to core deposits | 73.4754% | 4,002 |
| Total domestic deposits to total assets | 90.1295% | 609 |
| Equity capital to assets | 9.6712% | 4,436 |
| Core capital (leverage) ratio | 9.8114% | 3,849 |
| Tier 1 risk-based capital ratio | 15.7547% | 2,976 |
| Total risk-based capital ratio | 17.0347% | 2,921 |
| Memoranda: | ||
| Average total assets | $90,602,330 | 4,749 |
| Average earning assets | $76,478,000 | 4,909 |
| Average equity | $8,883,670 | 4,968 |
| Average total loans | $59,204,000 | 4,486 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2290% | 2,352 |
| Cost of funding earning assets | 0.3117% | 4,312 |
| Net interest margin | 3.9172% | 1,832 |
| Noninterest income to average assets | 0.2036% | 5,496 |
| Noninterest expense to average assets | 3.0847% | 2,318 |
| Loan and lease loss provision to assets | 0.0443% | 3,036 |
| Net operating income to assets | 0.3452% | 5,262 |
| Return on assets (ROA) | 0.3452% | 5,379 |
| Pretax return on assets | 0.4116% | 5,404 |
| Return on Equity (ROE) | 3.4458% | 5,200 |
| Retained earnings to average equity (ytd only) | 3.4458% | 3,922 |
| Net charge-offs to loans | 0.1133% | 1,612 |
| Credit loss provision to net charge-offs | 58.8235% | 2,016 |
| Earnings coverage of net charge-offs (x) | 6.0588% | 2,331 |
| Efficiency ratio | 87.1250% | 1,085 |
| Assets per employee ($millions) | 4.0375% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5633% | 488 |
| Loan loss allowance to noncurrent loans | 51.5202% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 3.4089% | 495 |
| Noncurrent loans to loans | 4.9754% | 272 |
| Net loans and leases to total assets | 65.9874% | 2,772 |
| Net loans and leases to deposits | 73.6588% | 3,356 |
| Net loans and leases to core deposits | 78.7484% | 3,302 |
| Total domestic deposits to total assets | 89.5853% | 949 |
| Equity capital to assets | 10.2571% | 3,823 |
| Core capital (leverage) ratio | 10.1855% | 3,362 |
| Tier 1 risk-based capital ratio | 12.7419% | 4,760 |
| Total risk-based capital ratio | 13.9992% | 4,674 |
| Memoranda: | ||
| Average total assets | $90,382,500 | 4,802 |
| Average earning assets | $76,993,000 | 4,942 |
| Average equity | $9,054,500 | 4,977 |
| Average total loans | $59,999,000 | 4,491 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 2,252 |
| Cost of funding earning assets | 0.3314% | 4,476 |
| Net interest margin | 4.0591% | 1,708 |
| Noninterest income to average assets | 0.2486% | 5,346 |
| Noninterest expense to average assets | 2.9958% | 2,852 |
| Loan and lease loss provision to assets | 1.8980% | 35 |
| Net operating income to assets | -0.6128% | 6,322 |
| Return on assets (ROA) | -0.5261% | 6,302 |
| Pretax return on assets | -1.0156% | 6,375 |
| Return on Equity (ROE) | -4.9738% | 6,287 |
| Retained earnings to average equity (ytd only) | -6.1490% | 6,225 |
| Net charge-offs to loans | 1.5692% | 151 |
| Credit loss provision to net charge-offs | 178.6834% | 1,360 |
| Earnings coverage of net charge-offs (x) | 0.7032% | 4,582 |
| Efficiency ratio | 80.0415% | 1,924 |
| Assets per employee ($millions) | 3.9973% | 3,965 |
| Cash dividends to net income (ytd only)* | -23.6287% | 6,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5885% | 492 |
| Loan loss allowance to noncurrent loans | 49.7112% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 3.4273% | 549 |
| Noncurrent loans to loans | 5.2070% | 270 |
| Net loans and leases to total assets | 63.4040% | 3,300 |
| Net loans and leases to deposits | 70.3750% | 3,857 |
| Net loans and leases to core deposits | 74.1556% | 3,908 |
| Total domestic deposits to total assets | 90.0945% | 694 |
| Equity capital to assets | 9.7869% | 4,372 |
| Core capital (leverage) ratio | 10.0569% | 3,487 |
| Tier 1 risk-based capital ratio | 14.6616% | 3,689 |
| Total risk-based capital ratio | 15.9281% | 3,601 |
| Memoranda: | ||
| Average total assets | $90,094,200 | 4,836 |
| Average earning assets | $77,554,000 | 4,938 |
| Average equity | $9,530,000 | 4,853 |
| Average total loans | $60,986,600 | 4,460 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2969% | 2,650 |
| Cost of funding earning assets | 0.3373% | 4,503 |
| Net interest margin | 3.9595% | 1,999 |
| Noninterest income to average assets | 0.2529% | 5,409 |
| Noninterest expense to average assets | 3.0509% | 2,631 |
| Loan and lease loss provision to assets | 0.4314% | 370 |
| Net operating income to assets | 0.2059% | 5,838 |
| Return on assets (ROA) | 0.2871% | 5,697 |
| Pretax return on assets | 0.3168% | 5,746 |
| Return on Equity (ROE) | 2.6630% | 5,668 |
| Retained earnings to average equity (ytd only) | 1.1177% | 5,438 |
| Net charge-offs to loans | 0.4461% | 886 |
| Credit loss provision to net charge-offs | 141.4634% | 1,669 |
| Earnings coverage of net charge-offs (x) | 2.1609% | 3,979 |
| Efficiency ratio | 82.2374% | 1,587 |
| Assets per employee ($millions) | 4.1034% | 3,664 |
| Cash dividends to net income (ytd only)* | 58.0305% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4419% | 2,985 |
| Loan loss allowance to noncurrent loans | 26.5922% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 3.7452% | 551 |
| Noncurrent loans to loans | 5.4223% | 301 |
| Net loans and leases to total assets | 66.7051% | 2,739 |
| Net loans and leases to deposits | 74.8487% | 3,322 |
| Net loans and leases to core deposits | 78.9796% | 3,439 |
| Total domestic deposits to total assets | 89.1199% | 1,167 |
| Equity capital to assets | 10.7638% | 3,221 |
| Core capital (leverage) ratio | 10.6393% | 2,873 |
| Tier 1 risk-based capital ratio | 15.5413% | 3,290 |
| Total risk-based capital ratio | 16.7936% | 3,231 |
| Memoranda: | ||
| Average total assets | $89,633,000 | 4,903 |
| Average earning assets | $78,256,500 | 4,972 |
| Average equity | $9,663,000 | 4,857 |
| Average total loans | $61,272,750 | 4,486 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2599% | 2,737 |
| Cost of funding earning assets | 0.3465% | 4,470 |
| Net interest margin | 3.9134% | 2,104 |
| Noninterest income to average assets | 0.2639% | 5,315 |
| Noninterest expense to average assets | 3.0553% | 2,649 |
| Loan and lease loss provision to assets | 0.5815% | 244 |
| Net operating income to assets | 0.0984% | 6,050 |
| Return on assets (ROA) | 0.1924% | 5,909 |
| Pretax return on assets | 0.1566% | 6,014 |
| Return on Equity (ROE) | 1.7833% | 5,891 |
| Retained earnings to average equity (ytd only) | -0.5391% | 5,782 |
| Net charge-offs to loans | -0.0293% | 5,677 |
| Credit loss provision to net charge-offs | -2,888.8889% | 5,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5877% | 1,681 |
| Assets per employee ($millions) | 3.9934% | 3,849 |
| Cash dividends to net income (ytd only)* | 130.2326% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6931% | 2,151 |
| Loan loss allowance to noncurrent loans | 30.1529% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 4.1204% | 499 |
| Noncurrent loans to loans | 5.6149% | 308 |
| Net loans and leases to total assets | 70.3876% | 2,022 |
| Net loans and leases to deposits | 79.1671% | 2,631 |
| Net loans and leases to core deposits | 83.7779% | 2,762 |
| Total domestic deposits to total assets | 88.9101% | 1,410 |
| Equity capital to assets | 10.9442% | 2,931 |
| Core capital (leverage) ratio | 10.7553% | 2,668 |
| Tier 1 risk-based capital ratio | 15.3677% | 3,429 |
| Total risk-based capital ratio | 16.6232% | 3,373 |
| Memoranda: | ||
| Average total assets | $89,419,000 | 4,945 |
| Average earning assets | $78,500,000 | 5,011 |
| Average equity | $9,645,000 | 4,878 |
| Average total loans | $61,330,670 | 4,502 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2205% | 2,794 |
| Cost of funding earning assets | 0.3590% | 4,448 |
| Net interest margin | 3.8616% | 2,221 |
| Noninterest income to average assets | 0.2838% | 5,101 |
| Noninterest expense to average assets | 3.0288% | 2,773 |
| Loan and lease loss provision to assets | 0.1330% | 1,821 |
| Net operating income to assets | 0.3769% | 5,198 |
| Return on assets (ROA) | 0.3769% | 5,271 |
| Pretax return on assets | 0.4612% | 5,284 |
| Return on Equity (ROE) | 3.5197% | 5,259 |
| Retained earnings to average equity (ytd only) | 1.2008% | 5,125 |
| Net charge-offs to loans | -0.0132% | 5,151 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5985% | 1,716 |
| Assets per employee ($millions) | 4.1384% | 3,645 |
| Cash dividends to net income (ytd only)* | 65.8824% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 3,795 |
| Loan loss allowance to noncurrent loans | 25.8993% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 3.8519% | 640 |
| Noncurrent loans to loans | 5.2489% | 401 |
| Net loans and leases to total assets | 65.9893% | 2,567 |
| Net loans and leases to deposits | 74.0275% | 3,057 |
| Net loans and leases to core deposits | 78.1650% | 3,185 |
| Total domestic deposits to total assets | 89.1416% | 1,563 |
| Equity capital to assets | 10.6332% | 3,102 |
| Core capital (leverage) ratio | 10.7519% | 2,650 |
| Tier 1 risk-based capital ratio | 15.5259% | 3,420 |
| Total risk-based capital ratio | 16.7773% | 3,388 |
| Memoranda: | ||
| Average total assets | $90,201,000 | 4,964 |
| Average earning assets | $77,999,500 | 5,068 |
| Average equity | $9,660,000 | 4,898 |
| Average total loans | $60,544,000 | 4,570 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3463% | 2,785 |
| Cost of funding earning assets | 0.3899% | 4,757 |
| Net interest margin | 3.9564% | 2,086 |
| Noninterest income to average assets | 0.3406% | 4,879 |
| Noninterest expense to average assets | 2.9980% | 3,062 |
| Loan and lease loss provision to assets | 0.0655% | 3,816 |
| Net operating income to assets | 0.5307% | 4,596 |
| Return on assets (ROA) | 0.6125% | 4,322 |
| Pretax return on assets | 0.8472% | 3,975 |
| Return on Equity (ROE) | 5.7937% | 4,217 |
| Retained earnings to average equity (ytd only) | 3.4803% | 3,749 |
| Net charge-offs to loans | 0.3491% | 1,937 |
| Credit loss provision to net charge-offs | 29.1262% | 4,269 |
| Earnings coverage of net charge-offs (x) | 3.5534% | 3,824 |
| Efficiency ratio | 78.9534% | 2,329 |
| Assets per employee ($millions) | 3.8851% | 4,096 |
| Cash dividends to net income (ytd only)* | 39.9287% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 4,026 |
| Loan loss allowance to noncurrent loans | 44.8198% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 2.3501% | 1,483 |
| Noncurrent loans to loans | 2.9511% | 1,172 |
| Net loans and leases to total assets | 66.4570% | 2,623 |
| Net loans and leases to deposits | 74.6396% | 3,168 |
| Net loans and leases to core deposits | 76.5287% | 3,550 |
| Total domestic deposits to total assets | 89.0372% | 1,597 |
| Equity capital to assets | 10.7871% | 2,836 |
| Core capital (leverage) ratio | 10.9508% | 2,436 |
| Tier 1 risk-based capital ratio | 15.1753% | 3,559 |
| Total risk-based capital ratio | 16.4260% | 3,506 |
| Memoranda: | ||
| Average total assets | $91,595,000 | 4,941 |
| Average earning assets | $80,021,400 | 5,034 |
| Average equity | $9,683,000 | 4,924 |
| Average total loans | $59,002,800 | 4,646 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3204% | 2,904 |
| Cost of funding earning assets | 0.3956% | 4,854 |
| Net interest margin | 3.9248% | 2,181 |
| Noninterest income to average assets | 0.3284% | 5,061 |
| Noninterest expense to average assets | 2.9848% | 3,043 |
| Loan and lease loss provision to assets | 0.0651% | 3,754 |
| Net operating income to assets | 0.5508% | 4,584 |
| Return on assets (ROA) | 0.5802% | 4,559 |
| Pretax return on assets | 0.7466% | 4,497 |
| Return on Equity (ROE) | 5.5153% | 4,462 |
| Retained earnings to average equity (ytd only) | 3.2047% | 4,395 |
| Net charge-offs to loans | 0.1340% | 3,202 |
| Credit loss provision to net charge-offs | 76.2712% | 2,941 |
| Earnings coverage of net charge-offs (x) | 9.0684% | 2,530 |
| Efficiency ratio | 79.4072% | 2,205 |
| Assets per employee ($millions) | 4.0224% | 3,785 |
| Cash dividends to net income (ytd only)* | 41.8947% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5867% | 3,062 |
| Loan loss allowance to noncurrent loans | 46.6332% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 2.4782% | 1,556 |
| Noncurrent loans to loans | 3.4026% | 1,138 |
| Net loans and leases to total assets | 65.0420% | 2,793 |
| Net loans and leases to deposits | 73.1384% | 3,370 |
| Net loans and leases to core deposits | 77.1417% | 3,481 |
| Total domestic deposits to total assets | 88.9301% | 1,596 |
| Equity capital to assets | 10.8846% | 2,879 |
| Core capital (leverage) ratio | 10.5352% | 2,968 |
| Tier 1 risk-based capital ratio | 15.0220% | 3,743 |
| Total risk-based capital ratio | 16.2755% | 3,685 |
| Memoranda: | ||
| Average total assets | $92,154,500 | 4,972 |
| Average earning assets | $80,545,750 | 5,074 |
| Average equity | $9,694,000 | 4,974 |
| Average total loans | $58,708,500 | 4,692 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2963% | 2,968 |
| Cost of funding earning assets | 0.4034% | 4,914 |
| Net interest margin | 3.8929% | 2,232 |
| Noninterest income to average assets | 0.2934% | 5,352 |
| Noninterest expense to average assets | 2.9065% | 3,308 |
| Loan and lease loss provision to assets | 0.0643% | 3,733 |
| Net operating income to assets | 0.5370% | 4,628 |
| Return on assets (ROA) | 0.5805% | 4,574 |
| Pretax return on assets | 0.7475% | 4,514 |
| Return on Equity (ROE) | 5.5792% | 4,413 |
| Retained earnings to average equity (ytd only) | 3.2734% | 4,219 |
| Net charge-offs to loans | -0.0272% | 6,071 |
| Credit loss provision to net charge-offs | -375.0000% | 5,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3567% | 2,249 |
| Assets per employee ($millions) | 4.0891% | 3,603 |
| Cash dividends to net income (ytd only)* | 41.3284% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6745% | 2,879 |
| Loan loss allowance to noncurrent loans | 40.3624% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 2.7256% | 1,527 |
| Noncurrent loans to loans | 4.1487% | 913 |
| Net loans and leases to total assets | 63.9655% | 2,918 |
| Net loans and leases to deposits | 72.9190% | 3,315 |
| Net loans and leases to core deposits | 77.1491% | 3,409 |
| Total domestic deposits to total assets | 87.7213% | 2,432 |
| Equity capital to assets | 10.7424% | 3,009 |
| Core capital (leverage) ratio | 10.3413% | 3,056 |
| Tier 1 risk-based capital ratio | 15.8978% | 3,258 |
| Total risk-based capital ratio | 17.1529% | 3,198 |
| Memoranda: | ||
| Average total assets | $93,375,330 | 4,978 |
| Average earning assets | $80,814,330 | 5,097 |
| Average equity | $9,714,670 | 5,008 |
| Average total loans | $58,783,000 | 4,711 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3113% | 2,851 |
| Cost of funding earning assets | 0.4167% | 4,942 |
| Net interest margin | 3.8945% | 2,137 |
| Noninterest income to average assets | 0.2903% | 5,382 |
| Noninterest expense to average assets | 2.8481% | 3,549 |
| Loan and lease loss provision to assets | 0.0631% | 3,578 |
| Net operating income to assets | 0.5385% | 4,504 |
| Return on assets (ROA) | 0.5385% | 4,649 |
| Pretax return on assets | 0.6815% | 4,655 |
| Return on Equity (ROE) | 5.2567% | 4,425 |
| Retained earnings to average equity (ytd only) | 2.9569% | 4,508 |
| Net charge-offs to loans | -0.0272% | 5,857 |
| Credit loss provision to net charge-offs | -375.0000% | 5,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2740% | 2,431 |
| Assets per employee ($millions) | 4.4558% | 3,055 |
| Cash dividends to net income (ytd only)* | 43.7500% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6714% | 3,127 |
| Loan loss allowance to noncurrent loans | 37.9992% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 3.1975% | 1,365 |
| Noncurrent loans to loans | 4.3986% | 967 |
| Net loans and leases to total assets | 60.4176% | 3,359 |
| Net loans and leases to deposits | 67.5646% | 3,823 |
| Net loans and leases to core deposits | 72.7481% | 3,733 |
| Total domestic deposits to total assets | 89.4220% | 1,401 |
| Equity capital to assets | 10.4444% | 3,608 |
| Core capital (leverage) ratio | 9.7670% | 3,704 |
| Tier 1 risk-based capital ratio | 15.2962% | 3,658 |
| Total risk-based capital ratio | 16.5500% | 3,609 |
| Memoranda: | ||
| Average total assets | $95,082,500 | 4,976 |
| Average earning assets | $80,625,500 | 5,134 |
| Average equity | $9,740,000 | 5,055 |
| Average total loans | $58,912,500 | 4,740 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5191% | 3,318 |
| Cost of funding earning assets | 0.5288% | 5,001 |
| Net interest margin | 3.9903% | 2,431 |
| Noninterest income to average assets | 0.3206% | 5,168 |
| Noninterest expense to average assets | 2.8677% | 3,775 |
| Loan and lease loss provision to assets | 0.1830% | 3,348 |
| Net operating income to assets | 0.6280% | 4,097 |
| Return on assets (ROA) | 0.7602% | 3,705 |
| Pretax return on assets | 1.0277% | 3,448 |
| Return on Equity (ROE) | 7.3718% | 3,421 |
| Retained earnings to average equity (ytd only) | 5.0195% | 2,688 |
| Net charge-offs to loans | 0.4837% | 2,303 |
| Credit loss provision to net charge-offs | 59.7173% | 4,454 |
| Earnings coverage of net charge-offs (x) | 3.3675% | 3,759 |
| Efficiency ratio | 73.5351% | 3,148 |
| Assets per employee ($millions) | 4.3906% | 3,168 |
| Cash dividends to net income (ytd only)* | 31.9088% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5614% | 3,467 |
| Loan loss allowance to noncurrent loans | 38.4333% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 3.0168% | 1,568 |
| Noncurrent loans to loans | 4.0627% | 1,146 |
| Net loans and leases to total assets | 61.4827% | 3,339 |
| Net loans and leases to deposits | 68.4312% | 3,911 |
| Net loans and leases to core deposits | 74.1247% | 3,768 |
| Total domestic deposits to total assets | 89.8461% | 1,043 |
| Equity capital to assets | 10.0494% | 4,104 |
| Core capital (leverage) ratio | 10.2641% | 3,057 |
| Tier 1 risk-based capital ratio | 14.5197% | 4,020 |
| Total risk-based capital ratio | 15.7731% | 3,973 |
| Memoranda: | ||
| Average total assets | $92,339,800 | 5,012 |
| Average earning assets | $82,825,600 | 5,048 |
| Average equity | $9,522,800 | 5,101 |
| Average total loans | $58,504,000 | 4,774 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5692% | 3,336 |
| Cost of funding earning assets | 0.5525% | 5,062 |
| Net interest margin | 4.0167% | 2,438 |
| Noninterest income to average assets | 0.3111% | 5,299 |
| Noninterest expense to average assets | 2.8659% | 3,731 |
| Loan and lease loss provision to assets | 0.2469% | 2,589 |
| Net operating income to assets | 0.5860% | 4,457 |
| Return on assets (ROA) | 0.7523% | 3,937 |
| Pretax return on assets | 1.0926% | 3,377 |
| Return on Equity (ROE) | 7.2456% | 3,668 |
| Retained earnings to average equity (ytd only) | 5.6699% | 2,914 |
| Net charge-offs to loans | 0.6615% | 1,658 |
| Credit loss provision to net charge-offs | 58.6806% | 4,185 |
| Earnings coverage of net charge-offs (x) | 2.6111% | 3,995 |
| Efficiency ratio | 72.2918% | 3,269 |
| Assets per employee ($millions) | 3.9925% | 3,887 |
| Cash dividends to net income (ytd only)* | 21.7476% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5769% | 3,615 |
| Loan loss allowance to noncurrent loans | 44.7255% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 2.9122% | 1,801 |
| Noncurrent loans to loans | 3.5257% | 1,539 |
| Net loans and leases to total assets | 66.5820% | 2,546 |
| Net loans and leases to deposits | 75.1642% | 3,119 |
| Net loans and leases to core deposits | 80.4509% | 3,146 |
| Total domestic deposits to total assets | 88.5821% | 1,670 |
| Equity capital to assets | 11.0376% | 3,225 |
| Core capital (leverage) ratio | 10.3132% | 3,145 |
| Tier 1 risk-based capital ratio | 14.6960% | 4,051 |
| Total risk-based capital ratio | 15.9493% | 4,014 |
| Memoranda: | ||
| Average total assets | $91,276,500 | 5,096 |
| Average earning assets | $83,018,250 | 5,097 |
| Average equity | $9,476,750 | 5,159 |
| Average total loans | $58,047,500 | 4,838 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4910% | 3,807 |
| Cost of funding earning assets | 0.5886% | 4,999 |
| Net interest margin | 3.9024% | 2,895 |
| Noninterest income to average assets | 0.2856% | 5,529 |
| Noninterest expense to average assets | 2.8110% | 3,974 |
| Loan and lease loss provision to assets | 0.3657% | 1,800 |
| Net operating income to assets | 0.3732% | 5,335 |
| Return on assets (ROA) | 0.5713% | 4,765 |
| Pretax return on assets | 0.9478% | 3,894 |
| Return on Equity (ROE) | 5.6146% | 4,519 |
| Retained earnings to average equity (ytd only) | 3.2327% | 4,458 |
| Net charge-offs to loans | 1.0036% | 1,105 |
| Credit loss provision to net charge-offs | 58.4775% | 3,841 |
| Earnings coverage of net charge-offs (x) | 1.6055% | 4,191 |
| Efficiency ratio | 73.6812% | 3,128 |
| Assets per employee ($millions) | 4.0391% | 3,789 |
| Cash dividends to net income (ytd only)* | 42.4242% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6073% | 3,579 |
| Loan loss allowance to noncurrent loans | 34.4498% | 5,952 |
| Noncurrent assets plus other real estate owned to assets | 3.1465% | 1,728 |
| Noncurrent loans to loans | 4.6655% | 1,111 |
| Net loans and leases to total assets | 64.4827% | 2,940 |
| Net loans and leases to deposits | 72.4894% | 3,539 |
| Net loans and leases to core deposits | 77.4932% | 3,592 |
| Total domestic deposits to total assets | 88.9547% | 1,536 |
| Equity capital to assets | 10.6076% | 3,562 |
| Core capital (leverage) ratio | 9.7431% | 3,786 |
| Tier 1 risk-based capital ratio | 14.8934% | 3,835 |
| Total risk-based capital ratio | 16.1474% | 3,784 |
| Memoranda: | ||
| Average total assets | $92,423,330 | 5,101 |
| Average earning assets | $83,589,000 | 5,115 |
| Average equity | $9,404,000 | 5,184 |
| Average total loans | $57,590,000 | 4,886 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5664% | 3,649 |
| Cost of funding earning assets | 0.6381% | 4,833 |
| Net interest margin | 3.9283% | 2,807 |
| Noninterest income to average assets | 0.2760% | 5,661 |
| Noninterest expense to average assets | 2.6708% | 4,539 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8152% | 3,318 |
| Return on assets (ROA) | 0.8152% | 3,550 |
| Pretax return on assets | 1.1082% | 3,291 |
| Return on Equity (ROE) | 8.1763% | 3,205 |
| Retained earnings to average equity (ytd only) | 8.1763% | 1,917 |
| Net charge-offs to loans | 0.0419% | 4,113 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 698 |
| Efficiency ratio | 70.6742% | 3,684 |
| Assets per employee ($millions) | 4.2279% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8424% | 2,868 |
| Loan loss allowance to noncurrent loans | 35.0936% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 3.2168% | 1,799 |
| Noncurrent loans to loans | 5.2500% | 1,039 |
| Net loans and leases to total assets | 60.1432% | 3,634 |
| Net loans and leases to deposits | 67.1569% | 4,201 |
| Net loans and leases to core deposits | 72.8105% | 4,045 |
| Total domestic deposits to total assets | 89.5563% | 1,332 |
| Equity capital to assets | 10.1878% | 3,865 |
| Core capital (leverage) ratio | 9.4523% | 4,114 |
| Tier 1 risk-based capital ratio | 14.9077% | 3,817 |
| Total risk-based capital ratio | 16.1640% | 3,784 |
| Memoranda: | ||
| Average total assets | $94,204,500 | 5,097 |
| Average earning assets | $84,005,500 | 5,138 |
| Average equity | $9,393,000 | 5,194 |
| Average total loans | $57,267,000 | 4,931 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8514% | 3,580 |
| Cost of funding earning assets | 0.8126% | 4,772 |
| Net interest margin | 4.0388% | 2,685 |
| Noninterest income to average assets | 0.3198% | 5,254 |
| Noninterest expense to average assets | 2.9090% | 3,925 |
| Loan and lease loss provision to assets | 0.0666% | 5,777 |
| Net operating income to assets | 0.6996% | 3,490 |
| Return on assets (ROA) | 0.7628% | 3,367 |
| Pretax return on assets | 0.9671% | 3,359 |
| Return on Equity (ROE) | 7.7515% | 3,029 |
| Retained earnings to average equity (ytd only) | 5.8559% | 2,102 |
| Net charge-offs to loans | 0.0412% | 5,902 |
| Credit loss provision to net charge-offs | 260.8696% | 922 |
| Earnings coverage of net charge-offs (x) | 37.3478% | 716 |
| Efficiency ratio | 75.3090% | 3,005 |
| Assets per employee ($millions) | 4.3362% | 3,189 |
| Cash dividends to net income (ytd only)* | 24.4541% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8351% | 2,758 |
| Loan loss allowance to noncurrent loans | 31.5601% | 6,103 |
| Noncurrent assets plus other real estate owned to assets | 3.5075% | 1,688 |
| Noncurrent loans to loans | 5.8148% | 879 |
| Net loans and leases to total assets | 59.2132% | 4,149 |
| Net loans and leases to deposits | 65.7399% | 4,775 |
| Net loans and leases to core deposits | 72.8921% | 4,391 |
| Total domestic deposits to total assets | 90.0719% | 957 |
| Equity capital to assets | 9.7593% | 4,499 |
| Core capital (leverage) ratio | 9.5010% | 4,025 |
| Tier 1 risk-based capital ratio | 14.4026% | 4,042 |
| Total risk-based capital ratio | 15.6595% | 4,011 |
| Memoranda: | ||
| Average total assets | $90,063,800 | 5,181 |
| Average earning assets | $79,007,800 | 5,260 |
| Average equity | $8,862,800 | 5,316 |
| Average total loans | $55,855,200 | 5,031 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9273% | 3,440 |
| Cost of funding earning assets | 0.8423% | 4,827 |
| Net interest margin | 4.0850% | 2,531 |
| Noninterest income to average assets | 0.3216% | 5,295 |
| Noninterest expense to average assets | 2.9392% | 3,780 |
| Loan and lease loss provision to assets | 0.0902% | 5,328 |
| Net operating income to assets | 0.7133% | 3,539 |
| Return on assets (ROA) | 0.8009% | 3,322 |
| Pretax return on assets | 0.9932% | 3,427 |
| Return on Equity (ROE) | 8.1208% | 2,996 |
| Retained earnings to average equity (ytd only) | 8.1208% | 1,463 |
| Net charge-offs to loans | 0.0096% | 6,026 |
| Credit loss provision to net charge-offs | 1,500.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 162.3471% | 240 |
| Efficiency ratio | 75.0864% | 2,988 |
| Assets per employee ($millions) | 4.0160% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8566% | 2,761 |
| Loan loss allowance to noncurrent loans | 46.7798% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 2.5658% | 2,512 |
| Noncurrent loans to loans | 3.9688% | 1,670 |
| Net loans and leases to total assets | 61.5224% | 3,839 |
| Net loans and leases to deposits | 68.5828% | 4,508 |
| Net loans and leases to core deposits | 76.8078% | 4,080 |
| Total domestic deposits to total assets | 89.7053% | 1,038 |
| Equity capital to assets | 10.0327% | 4,295 |
| Core capital (leverage) ratio | 9.8607% | 3,636 |
| Tier 1 risk-based capital ratio | 13.6764% | 4,595 |
| Total risk-based capital ratio | 14.9320% | 4,560 |
| Memoranda: | ||
| Average total assets | $88,730,750 | 5,254 |
| Average earning assets | $78,040,000 | 5,325 |
| Average equity | $8,751,000 | 5,374 |
| Average total loans | $55,433,250 | 5,098 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9415% | 3,433 |
| Cost of funding earning assets | 0.8781% | 4,840 |
| Net interest margin | 4.0634% | 2,555 |
| Noninterest income to average assets | 0.2879% | 5,579 |
| Noninterest expense to average assets | 2.8680% | 4,150 |
| Loan and lease loss provision to assets | 0.1371% | 4,593 |
| Net operating income to assets | 0.6982% | 3,555 |
| Return on assets (ROA) | 0.8158% | 3,132 |
| Pretax return on assets | 1.0398% | 3,077 |
| Return on Equity (ROE) | 8.3226% | 2,798 |
| Retained earnings to average equity (ytd only) | 8.3226% | 1,333 |
| Net charge-offs to loans | 0.0220% | 5,532 |
| Credit loss provision to net charge-offs | 1,000.0000% | 331 |
| Earnings coverage of net charge-offs (x) | 74.8333% | 455 |
| Efficiency ratio | 73.6502% | 3,428 |
| Assets per employee ($millions) | 3.8938% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8148% | 2,936 |
| Loan loss allowance to noncurrent loans | 56.0548% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 2.2110% | 2,965 |
| Noncurrent loans to loans | 3.2376% | 2,204 |
| Net loans and leases to total assets | 64.6090% | 3,340 |
| Net loans and leases to deposits | 72.3505% | 4,061 |
| Net loans and leases to core deposits | 76.7660% | 4,217 |
| Total domestic deposits to total assets | 89.2999% | 1,358 |
| Equity capital to assets | 10.4234% | 3,614 |
| Core capital (leverage) ratio | 9.9745% | 3,292 |
| Tier 1 risk-based capital ratio | 14.8191% | 3,601 |
| Total risk-based capital ratio | 16.0763% | 3,562 |
| Memoranda: | ||
| Average total assets | $87,518,330 | 5,325 |
| Average earning assets | $77,668,000 | 5,377 |
| Average equity | $8,579,000 | 5,437 |
| Average total loans | $54,610,330 | 5,184 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9352% | 3,384 |
| Cost of funding earning assets | 0.9487% | 4,580 |
| Net interest margin | 3.9865% | 2,745 |
| Noninterest income to average assets | 0.3528% | 5,079 |
| Noninterest expense to average assets | 2.8628% | 4,223 |
| Loan and lease loss provision to assets | 0.1357% | 4,310 |
| Net operating income to assets | 0.6657% | 3,683 |
| Return on assets (ROA) | 0.9045% | 2,604 |
| Pretax return on assets | 1.1306% | 2,641 |
| Return on Equity (ROE) | 9.5193% | 2,274 |
| Retained earnings to average equity (ytd only) | 9.5193% | 1,233 |
| Net charge-offs to loans | 0.0447% | 4,494 |
| Credit loss provision to net charge-offs | 500.0000% | 713 |
| Earnings coverage of net charge-offs (x) | 35.6667% | 736 |
| Efficiency ratio | 74.7344% | 3,382 |
| Assets per employee ($millions) | 3.9666% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8520% | 2,851 |
| Loan loss allowance to noncurrent loans | 50.5344% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 2.5268% | 2,703 |
| Noncurrent loans to loans | 3.6647% | 2,021 |
| Net loans and leases to total assets | 60.3060% | 4,209 |
| Net loans and leases to deposits | 67.0831% | 4,815 |
| Net loans and leases to core deposits | 72.5906% | 4,712 |
| Total domestic deposits to total assets | 89.8974% | 1,209 |
| Equity capital to assets | 9.8321% | 3,988 |
| Core capital (leverage) ratio | 9.5974% | 3,664 |
| Tier 1 risk-based capital ratio | 14.7464% | 3,580 |
| Total risk-based capital ratio | 16.0033% | 3,538 |
| Memoranda: | ||
| Average total assets | $88,446,000 | 5,341 |
| Average earning assets | $77,159,500 | 5,440 |
| Average equity | $8,404,000 | 5,490 |
| Average total loans | $53,731,000 | 5,267 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1514% | 3,842 |
| Cost of funding earning assets | 1.2190% | 4,428 |
| Net interest margin | 3.9323% | 3,334 |
| Noninterest income to average assets | 0.1807% | 6,456 |
| Noninterest expense to average assets | 3.0500% | 3,657 |
| Loan and lease loss provision to assets | 0.9740% | 1,663 |
| Net operating income to assets | 0.0447% | 5,715 |
| Return on assets (ROA) | 0.1220% | 5,677 |
| Pretax return on assets | -0.1678% | 6,058 |
| Return on Equity (ROE) | 1.2606% | 5,633 |
| Retained earnings to average equity (ytd only) | 1.2606% | 4,923 |
| Net charge-offs to loans | 0.7978% | 2,642 |
| Credit loss provision to net charge-offs | 187.7828% | 1,729 |
| Earnings coverage of net charge-offs (x) | 1.3213% | 4,787 |
| Efficiency ratio | 81.6525% | 2,209 |
| Assets per employee ($millions) | 3.8968% | 4,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7997% | 2,864 |
| Loan loss allowance to noncurrent loans | 51.1346% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 2.4234% | 2,849 |
| Noncurrent loans to loans | 3.5195% | 2,147 |
| Net loans and leases to total assets | 58.9934% | 4,843 |
| Net loans and leases to deposits | 65.1182% | 5,506 |
| Net loans and leases to core deposits | 72.9538% | 5,104 |
| Total domestic deposits to total assets | 90.5944% | 792 |
| Equity capital to assets | 9.1803% | 4,868 |
| Core capital (leverage) ratio | 9.5249% | 3,676 |
| Tier 1 risk-based capital ratio | 14.3486% | 3,647 |
| Total risk-based capital ratio | 15.6049% | 3,596 |
| Memoranda: | ||
| Average total assets | $85,213,600 | 5,432 |
| Average earning assets | $77,027,800 | 5,446 |
| Average equity | $8,250,000 | 5,638 |
| Average total loans | $55,401,000 | 5,262 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2132% | 3,769 |
| Cost of funding earning assets | 1.2730% | 4,416 |
| Net interest margin | 3.9402% | 3,358 |
| Noninterest income to average assets | 0.2948% | 5,774 |
| Noninterest expense to average assets | 3.1339% | 3,173 |
| Loan and lease loss provision to assets | 1.1096% | 1,309 |
| Net operating income to assets | -0.0221% | 6,035 |
| Return on assets (ROA) | 0.0824% | 5,952 |
| Pretax return on assets | -0.2330% | 6,346 |
| Return on Equity (ROE) | 0.8398% | 5,934 |
| Retained earnings to average equity (ytd only) | 0.8398% | 5,472 |
| Net charge-offs to loans | 0.5353% | 3,160 |
| Credit loss provision to net charge-offs | 312.5000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 2.0089% | 4,211 |
| Efficiency ratio | 81.4586% | 2,135 |
| Assets per employee ($millions) | 3.7646% | 4,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9388% | 2,384 |
| Loan loss allowance to noncurrent loans | 60.9222% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 2.3422% | 3,035 |
| Noncurrent loans to loans | 3.1824% | 2,501 |
| Net loans and leases to total assets | 61.7440% | 4,584 |
| Net loans and leases to deposits | 69.0577% | 5,268 |
| Net loans and leases to core deposits | 78.3403% | 4,767 |
| Total domestic deposits to total assets | 89.4093% | 1,168 |
| Equity capital to assets | 9.9036% | 4,284 |
| Core capital (leverage) ratio | 9.6846% | 3,638 |
| Tier 1 risk-based capital ratio | 14.0116% | 3,825 |
| Total risk-based capital ratio | 15.2703% | 3,787 |
| Memoranda: | ||
| Average total assets | $84,110,250 | 5,535 |
| Average earning assets | $75,831,000 | 5,552 |
| Average equity | $8,255,500 | 5,710 |
| Average total loans | $55,790,500 | 5,314 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2427% | 3,748 |
| Cost of funding earning assets | 1.3307% | 4,327 |
| Net interest margin | 3.9119% | 3,395 |
| Noninterest income to average assets | 0.2930% | 5,806 |
| Noninterest expense to average assets | 3.1602% | 3,049 |
| Loan and lease loss provision to assets | 1.0926% | 1,315 |
| Net operating income to assets | -0.0614% | 6,168 |
| Return on assets (ROA) | 0.0216% | 6,149 |
| Pretax return on assets | -0.3218% | 6,453 |
| Return on Equity (ROE) | 0.2209% | 6,147 |
| Retained earnings to average equity (ytd only) | 0.2209% | 5,663 |
| Net charge-offs to loans | 0.0534% | 5,635 |
| Credit loss provision to net charge-offs | 3,033.3333% | 136 |
| Earnings coverage of net charge-offs (x) | 17.8000% | 1,317 |
| Efficiency ratio | 83.1333% | 2,023 |
| Assets per employee ($millions) | 3.6126% | 4,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8463% | 2,579 |
| Loan loss allowance to noncurrent loans | 60.5092% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 2.3854% | 3,019 |
| Noncurrent loans to loans | 3.0512% | 2,637 |
| Net loans and leases to total assets | 65.3905% | 3,966 |
| Net loans and leases to deposits | 72.9625% | 4,840 |
| Net loans and leases to core deposits | 79.8052% | 4,714 |
| Total domestic deposits to total assets | 89.6221% | 1,115 |
| Equity capital to assets | 9.8592% | 4,187 |
| Core capital (leverage) ratio | 9.7264% | 3,505 |
| Tier 1 risk-based capital ratio | 13.9791% | 3,745 |
| Total risk-based capital ratio | 15.2364% | 3,703 |
| Memoranda: | ||
| Average total assets | $83,285,330 | 5,588 |
| Average earning assets | $74,695,000 | 5,619 |
| Average equity | $8,149,000 | 5,747 |
| Average total loans | $56,214,670 | 5,346 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0935% | 4,563 |
| Cost of funding earning assets | 1.3906% | 4,240 |
| Net interest margin | 3.7029% | 4,228 |
| Noninterest income to average assets | 0.3262% | 5,537 |
| Noninterest expense to average assets | 3.1421% | 3,099 |
| Loan and lease loss provision to assets | 2.0868% | 528 |
| Net operating income to assets | -0.8587% | 7,041 |
| Return on assets (ROA) | -0.8587% | 7,069 |
| Pretax return on assets | -1.6454% | 7,301 |
| Return on Equity (ROE) | -8.8096% | 7,089 |
| Retained earnings to average equity (ytd only) | -8.8096% | 6,883 |
| Net charge-offs to loans | 0.1271% | 4,205 |
| Credit loss provision to net charge-offs | 2,416.6667% | 215 |
| Earnings coverage of net charge-offs (x) | 5.1111% | 2,465 |
| Efficiency ratio | 87.6841% | 1,623 |
| Assets per employee ($millions) | 3.9750% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7532% | 2,889 |
| Loan loss allowance to noncurrent loans | 56.2500% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 2.6487% | 2,749 |
| Noncurrent loans to loans | 3.1167% | 2,573 |
| Net loans and leases to total assets | 67.0676% | 3,613 |
| Net loans and leases to deposits | 74.6822% | 4,644 |
| Net loans and leases to core deposits | 81.2587% | 4,587 |
| Total domestic deposits to total assets | 89.8040% | 1,084 |
| Equity capital to assets | 9.6689% | 4,272 |
| Core capital (leverage) ratio | 9.5863% | 3,661 |
| Tier 1 risk-based capital ratio | 13.1649% | 4,232 |
| Total risk-based capital ratio | 14.4205% | 4,185 |
| Memoranda: | ||
| Average total assets | $83,383,000 | 5,651 |
| Average earning assets | $73,348,000 | 5,732 |
| Average equity | $8,127,500 | 5,801 |
| Average total loans | $56,644,500 | 5,397 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5369% | 3,945 |
| Cost of funding earning assets | 1.5225% | 5,421 |
| Net interest margin | 4.0144% | 2,814 |
| Noninterest income to average assets | 0.3274% | 5,739 |
| Noninterest expense to average assets | 3.1004% | 3,743 |
| Loan and lease loss provision to assets | 1.2307% | 1,868 |
| Net operating income to assets | 0.1137% | 5,171 |
| Return on assets (ROA) | 0.3007% | 4,610 |
| Pretax return on assets | -0.1116% | 5,613 |
| Return on Equity (ROE) | 2.9198% | 4,540 |
| Retained earnings to average equity (ytd only) | -5.8515% | 6,131 |
| Net charge-offs to loans | 1.0434% | 2,322 |
| Credit loss provision to net charge-offs | 176.8293% | 2,365 |
| Earnings coverage of net charge-offs (x) | 1.1882% | 4,933 |
| Efficiency ratio | 78.9441% | 3,050 |
| Assets per employee ($millions) | 3.6214% | 4,726 |
| Cash dividends to net income (ytd only)* | 300.4032% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 5,807 |
| Loan loss allowance to noncurrent loans | 22.6652% | 6,931 |
| Noncurrent assets plus other real estate owned to assets | 3.8647% | 1,720 |
| Noncurrent loans to loans | 4.9444% | 1,372 |
| Net loans and leases to total assets | 66.8432% | 3,962 |
| Net loans and leases to deposits | 74.4278% | 4,960 |
| Net loans and leases to core deposits | 94.8015% | 4,587 |
| Total domestic deposits to total assets | 89.8093% | 1,054 |
| Equity capital to assets | 9.8257% | 3,976 |
| Core capital (leverage) ratio | 10.0997% | 2,997 |
| Tier 1 risk-based capital ratio | 13.4931% | 3,822 |
| Total risk-based capital ratio | 14.5476% | 3,889 |
| Memoranda: | ||
| Average total assets | $82,473,000 | 5,654 |
| Average earning assets | $73,958,600 | 5,680 |
| Average equity | $8,493,600 | 5,768 |
| Average total loans | $55,013,800 | 5,460 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4531% | 4,673 |
| Cost of funding earning assets | 1.5089% | 5,783 |
| Net interest margin | 3.9442% | 3,069 |
| Noninterest income to average assets | 0.4100% | 5,212 |
| Noninterest expense to average assets | 3.1376% | 3,509 |
| Loan and lease loss provision to assets | 0.9967% | 1,924 |
| Net operating income to assets | 0.1216% | 5,403 |
| Return on assets (ROA) | 0.4635% | 4,248 |
| Pretax return on assets | 0.2058% | 5,288 |
| Return on Equity (ROE) | 4.4490% | 4,186 |
| Retained earnings to average equity (ytd only) | 0.5289% | 4,990 |
| Net charge-offs to loans | 0.2414% | 4,544 |
| Credit loss provision to net charge-offs | 621.2121% | 608 |
| Earnings coverage of net charge-offs (x) | 5.3635% | 2,844 |
| Efficiency ratio | 78.4759% | 3,087 |
| Assets per employee ($millions) | 3.7956% | 4,199 |
| Cash dividends to net income (ytd only)* | 88.1123% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 4,732 |
| Loan loss allowance to noncurrent loans | 28.6062% | 6,565 |
| Noncurrent assets plus other real estate owned to assets | 3.5819% | 1,840 |
| Noncurrent loans to loans | 4.4171% | 1,592 |
| Net loans and leases to total assets | 66.0663% | 4,417 |
| Net loans and leases to deposits | 74.3745% | 5,312 |
| Net loans and leases to core deposits | 91.9482% | 5,238 |
| Total domestic deposits to total assets | 88.8293% | 1,280 |
| Equity capital to assets | 10.6390% | 3,360 |
| Core capital (leverage) ratio | 10.7708% | 2,583 |
| Tier 1 risk-based capital ratio | 14.7129% | 3,178 |
| Total risk-based capital ratio | 15.9200% | 3,140 |
| Memoranda: | ||
| Average total assets | $82,268,250 | 5,683 |
| Average earning assets | $74,842,500 | 5,679 |
| Average equity | $8,571,000 | 5,793 |
| Average total loans | $54,690,750 | 5,530 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4268% | 5,002 |
| Cost of funding earning assets | 1.5011% | 6,135 |
| Net interest margin | 3.9256% | 2,997 |
| Noninterest income to average assets | 0.4251% | 5,078 |
| Noninterest expense to average assets | 3.1494% | 3,507 |
| Loan and lease loss provision to assets | 1.1361% | 1,512 |
| Net operating income to assets | -0.0049% | 5,852 |
| Return on assets (ROA) | 0.4105% | 4,576 |
| Pretax return on assets | 0.1906% | 5,493 |
| Return on Equity (ROE) | 3.9685% | 4,506 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,197 |
| Net charge-offs to loans | 0.4199% | 3,122 |
| Credit loss provision to net charge-offs | 407.8947% | 1,137 |
| Earnings coverage of net charge-offs (x) | 3.2719% | 3,505 |
| Efficiency ratio | 77.5572% | 3,411 |
| Assets per employee ($millions) | 3.5934% | 4,585 |
| Cash dividends to net income (ytd only)* | 100.0000% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 6,158 |
| Loan loss allowance to noncurrent loans | 41.2977% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 2.3731% | 2,734 |
| Noncurrent loans to loans | 2.4454% | 2,953 |
| Net loans and leases to total assets | 67.0795% | 4,342 |
| Net loans and leases to deposits | 75.4507% | 5,251 |
| Net loans and leases to core deposits | 91.6585% | 5,384 |
| Total domestic deposits to total assets | 88.9051% | 1,310 |
| Equity capital to assets | 10.7344% | 3,173 |
| Core capital (leverage) ratio | 10.6540% | 2,697 |
| Tier 1 risk-based capital ratio | 15.1963% | 2,937 |
| Total risk-based capital ratio | 16.1555% | 2,999 |
| Memoranda: | ||
| Average total assets | $81,856,330 | 5,735 |
| Average earning assets | $75,809,330 | 5,679 |
| Average equity | $8,466,670 | 5,857 |
| Average total loans | $54,296,330 | 5,589 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2434% | 6,139 |
| Cost of funding earning assets | 1.4959% | 6,410 |
| Net interest margin | 3.7475% | 3,664 |
| Noninterest income to average assets | 0.4708% | 4,584 |
| Noninterest expense to average assets | 3.0556% | 3,534 |
| Loan and lease loss provision to assets | 2.2340% | 529 |
| Net operating income to assets | -1.3212% | 7,424 |
| Return on assets (ROA) | -0.9080% | 7,225 |
| Pretax return on assets | -0.9032% | 7,101 |
| Return on Equity (ROE) | -8.9393% | 7,296 |
| Retained earnings to average equity (ytd only) | -12.9124% | 7,318 |
| Net charge-offs to loans | 0.8416% | 1,550 |
| Credit loss provision to net charge-offs | 404.3478% | 1,288 |
| Earnings coverage of net charge-offs (x) | 1.6609% | 3,898 |
| Efficiency ratio | 76.9045% | 3,345 |
| Assets per employee ($millions) | 3.7275% | 4,276 |
| Cash dividends to net income (ytd only)* | -44.4444% | 8,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 6,361 |
| Loan loss allowance to noncurrent loans | 41.8280% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 2.3754% | 2,405 |
| Noncurrent loans to loans | 2.3224% | 2,830 |
| Net loans and leases to total assets | 67.1292% | 4,314 |
| Net loans and leases to deposits | 77.1160% | 5,072 |
| Net loans and leases to core deposits | 90.9978% | 5,457 |
| Total domestic deposits to total assets | 87.0497% | 2,191 |
| Equity capital to assets | 10.1883% | 3,774 |
| Core capital (leverage) ratio | 9.9349% | 3,476 |
| Tier 1 risk-based capital ratio | 14.3995% | 3,364 |
| Total risk-based capital ratio | 15.3366% | 3,463 |
| Memoranda: | ||
| Average total assets | $83,257,500 | 5,696 |
| Average earning assets | $77,811,500 | 5,632 |
| Average equity | $8,457,000 | 5,898 |
| Average total loans | $54,659,500 | 5,605 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7893% | 6,468 |
| Cost of funding earning assets | 2.1058% | 6,026 |
| Net interest margin | 3.6835% | 4,534 |
| Noninterest income to average assets | 0.5053% | 4,584 |
| Noninterest expense to average assets | 2.7437% | 5,079 |
| Loan and lease loss provision to assets | 0.1190% | 5,844 |
| Net operating income to assets | 0.9159% | 2,937 |
| Return on assets (ROA) | 0.9716% | 2,561 |
| Pretax return on assets | 1.1842% | 2,706 |
| Return on Equity (ROE) | 9.6404% | 2,380 |
| Retained earnings to average equity (ytd only) | 6.2663% | 1,400 |
| Net charge-offs to loans | 0.6746% | 1,830 |
| Credit loss provision to net charge-offs | 28.7390% | 6,536 |
| Earnings coverage of net charge-offs (x) | 2.9824% | 4,596 |
| Efficiency ratio | 68.9560% | 4,550 |
| Assets per employee ($millions) | 3.8413% | 3,878 |
| Cash dividends to net income (ytd only)* | 35.0000% | 3,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3536% | 8,038 |
| Loan loss allowance to noncurrent loans | 9.2502% | 7,515 |
| Noncurrent assets plus other real estate owned to assets | 2.4305% | 1,995 |
| Noncurrent loans to loans | 3.8229% | 1,302 |
| Net loans and leases to total assets | 63.3530% | 5,393 |
| Net loans and leases to deposits | 70.8010% | 6,194 |
| Net loans and leases to core deposits | 82.8431% | 6,391 |
| Total domestic deposits to total assets | 89.4804% | 854 |
| Equity capital to assets | 10.1279% | 3,887 |
| Core capital (leverage) ratio | 10.5011% | 2,977 |
| Tier 1 risk-based capital ratio | 14.6553% | 3,227 |
| Total risk-based capital ratio | 14.9802% | 3,599 |
| Memoranda: | ||
| Average total assets | $82,335,000 | 5,617 |
| Average earning assets | $77,643,600 | 5,520 |
| Average equity | $8,298,400 | 5,977 |
| Average total loans | $50,552,200 | 5,684 |