Home > Citizen's Bank > Performance and Condition Ratios
Citizen's 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 | 3.5046% | 4,752 |
| Cost of funding earning assets | 0.4377% | 2,724 |
| Net interest margin | 3.0670% | 4,754 |
| Noninterest income to average assets | 0.3909% | 3,743 |
| Noninterest expense to average assets | 2.8578% | 2,551 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3108% | 5,197 |
| Return on assets (ROA) | 0.3108% | 5,216 |
| Pretax return on assets | 0.4798% | 5,042 |
| Return on Equity (ROE) | 2.1686% | 5,317 |
| Retained earnings to average equity (ytd only) | 0.4918% | 4,980 |
| Net charge-offs to loans | 0.0015% | 3,466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 599.0000% | 131 |
| Efficiency ratio | 85.6251% | 722 |
| Assets per employee ($millions) | 4.3835% | 3,293 |
| Cash dividends to net income (ytd only)* | 77.3196% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 1,752 |
| Loan loss allowance to noncurrent loans | 318.4692% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.4122% | 3,461 |
| Noncurrent loans to loans | 0.4559% | 3,377 |
| Net loans and leases to total assets | 51.9981% | 4,569 |
| Net loans and leases to deposits | 61.2362% | 4,546 |
| Net loans and leases to core deposits | 66.2920% | 4,451 |
| Total domestic deposits to total assets | 84.9140% | 2,846 |
| Equity capital to assets | 14.3260% | 873 |
| Core capital (leverage) ratio | 14.1077% | 830 |
| Tier 1 risk-based capital ratio | 31.9121% | 408 |
| Total risk-based capital ratio | 33.1673% | 399 |
| Memoranda: | ||
| Average total assets | $249,701,670 | 2,520 |
| Average earning assets | $239,912,000 | 2,449 |
| Average equity | $35,783,330 | 2,037 |
| Average total loans | $129,792,000 | 2,950 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4934% | 4,709 |
| Cost of funding earning assets | 0.4331% | 2,682 |
| Net interest margin | 3.0602% | 4,766 |
| Noninterest income to average assets | 0.4134% | 3,571 |
| Noninterest expense to average assets | 2.0110% | 5,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9134% | 2,692 |
| Return on assets (ROA) | 0.9134% | 2,746 |
| Pretax return on assets | 1.3460% | 2,073 |
| Return on Equity (ROE) | 6.3727% | 3,727 |
| Retained earnings to average equity (ytd only) | 3.0187% | 3,904 |
| Net charge-offs to loans | -0.0093% | 4,392 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9045% | 4,461 |
| Assets per employee ($millions) | 4.4523% | 3,252 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 1,730 |
| Loan loss allowance to noncurrent loans | 166.0606% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.4551% | 3,378 |
| Noncurrent loans to loans | 0.8969% | 2,234 |
| Net loans and leases to total assets | 49.9870% | 4,671 |
| Net loans and leases to deposits | 58.6058% | 4,659 |
| Net loans and leases to core deposits | 63.4291% | 4,568 |
| Total domestic deposits to total assets | 85.2936% | 2,966 |
| Equity capital to assets | 14.1642% | 856 |
| Core capital (leverage) ratio | 14.2740% | 773 |
| Tier 1 risk-based capital ratio | 32.6510% | 393 |
| Total risk-based capital ratio | 33.9070% | 382 |
| Memoranda: | ||
| Average total assets | $249,622,000 | 2,547 |
| Average earning assets | $240,112,500 | 2,470 |
| Average equity | $35,777,500 | 2,048 |
| Average total loans | $128,769,500 | 2,979 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5567% | 4,623 |
| Cost of funding earning assets | 0.4287% | 2,719 |
| Net interest margin | 3.1280% | 4,651 |
| Noninterest income to average assets | 0.3668% | 4,123 |
| Noninterest expense to average assets | 2.0905% | 5,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8716% | 2,972 |
| Return on assets (ROA) | 0.8716% | 3,082 |
| Pretax return on assets | 1.2823% | 2,344 |
| Return on Equity (ROE) | 6.1703% | 3,892 |
| Retained earnings to average equity (ytd only) | 5.6933% | 1,888 |
| Net charge-offs to loans | 0.0062% | 4,039 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 397.2500% | 203 |
| Efficiency ratio | 61.9811% | 4,256 |
| Assets per employee ($millions) | 4.2321% | 3,565 |
| Cash dividends to net income (ytd only)* | 7.7315% | 4,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4872% | 1,721 |
| Loan loss allowance to noncurrent loans | 870.4545% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 4,809 |
| Noncurrent loans to loans | 0.1709% | 4,553 |
| Net loans and leases to total assets | 51.6772% | 4,641 |
| Net loans and leases to deposits | 60.7893% | 4,623 |
| Net loans and leases to core deposits | 65.9895% | 4,527 |
| Total domestic deposits to total assets | 85.0104% | 3,040 |
| Equity capital to assets | 14.5068% | 732 |
| Core capital (leverage) ratio | 14.4613% | 701 |
| Tier 1 risk-based capital ratio | 32.3779% | 400 |
| Total risk-based capital ratio | 33.6337% | 391 |
| Memoranda: | ||
| Average total assets | $247,833,000 | 2,527 |
| Average earning assets | $238,173,000 | 2,451 |
| Average equity | $35,006,200 | 2,073 |
| Average total loans | $129,552,800 | 2,928 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5417% | 4,703 |
| Cost of funding earning assets | 0.4244% | 2,786 |
| Net interest margin | 3.1173% | 4,727 |
| Noninterest income to average assets | 0.3591% | 4,208 |
| Noninterest expense to average assets | 1.9976% | 5,208 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9183% | 2,816 |
| Return on assets (ROA) | 0.9183% | 2,938 |
| Pretax return on assets | 1.3573% | 2,202 |
| Return on Equity (ROE) | 6.5450% | 3,810 |
| Retained earnings to average equity (ytd only) | 6.5450% | 1,881 |
| Net charge-offs to loans | 0.0072% | 3,665 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 361.4062% | 243 |
| Efficiency ratio | 59.5425% | 4,607 |
| Assets per employee ($millions) | 4.1585% | 3,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 2,010 |
| Loan loss allowance to noncurrent loans | 304.6105% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 4,224 |
| Noncurrent loans to loans | 0.4737% | 3,595 |
| Net loans and leases to total assets | 53.3446% | 4,550 |
| Net loans and leases to deposits | 62.8295% | 4,572 |
| Net loans and leases to core deposits | 68.2299% | 4,450 |
| Total domestic deposits to total assets | 84.9037% | 2,848 |
| Equity capital to assets | 14.5762% | 849 |
| Core capital (leverage) ratio | 14.1908% | 797 |
| Tier 1 risk-based capital ratio | 31.4527% | 429 |
| Total risk-based capital ratio | 32.7082% | 423 |
| Memoranda: | ||
| Average total assets | $248,425,250 | 2,529 |
| Average earning assets | $238,749,250 | 2,446 |
| Average equity | $34,855,500 | 2,096 |
| Average total loans | $129,750,000 | 2,932 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4889% | 4,899 |
| Cost of funding earning assets | 0.4219% | 2,817 |
| Net interest margin | 3.0670% | 4,927 |
| Noninterest income to average assets | 0.3560% | 4,226 |
| Noninterest expense to average assets | 1.9363% | 5,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9260% | 2,744 |
| Return on assets (ROA) | 0.9260% | 2,875 |
| Pretax return on assets | 1.3686% | 2,137 |
| Return on Equity (ROE) | 6.6854% | 3,702 |
| Retained earnings to average equity (ytd only) | 6.6854% | 1,769 |
| Net charge-offs to loans | 0.0109% | 3,338 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 243.8571% | 270 |
| Efficiency ratio | 58.5881% | 4,827 |
| Assets per employee ($millions) | 4.2174% | 3,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 2,020 |
| Loan loss allowance to noncurrent loans | 243.7659% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 4,232 |
| Noncurrent loans to loans | 0.5992% | 3,267 |
| Net loans and leases to total assets | 51.9453% | 4,680 |
| Net loans and leases to deposits | 60.8861% | 4,740 |
| Net loans and leases to core deposits | 66.5149% | 4,571 |
| Total domestic deposits to total assets | 85.3156% | 2,730 |
| Equity capital to assets | 14.1949% | 965 |
| Core capital (leverage) ratio | 13.8371% | 864 |
| Tier 1 risk-based capital ratio | 31.0564% | 454 |
| Total risk-based capital ratio | 32.3123% | 446 |
| Memoranda: | ||
| Average total assets | $249,449,670 | 2,535 |
| Average earning assets | $239,845,000 | 2,455 |
| Average equity | $34,553,000 | 2,116 |
| Average total loans | $128,734,000 | 2,956 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4468% | 5,008 |
| Cost of funding earning assets | 0.4215% | 2,848 |
| Net interest margin | 3.0253% | 5,057 |
| Noninterest income to average assets | 0.3635% | 4,118 |
| Noninterest expense to average assets | 1.9395% | 5,463 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9033% | 2,737 |
| Return on assets (ROA) | 0.9033% | 2,863 |
| Pretax return on assets | 1.3325% | 2,172 |
| Return on Equity (ROE) | 6.6025% | 3,671 |
| Retained earnings to average equity (ytd only) | 6.6025% | 2,079 |
| Net charge-offs to loans | 0.0125% | 2,706 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 208.0000% | 294 |
| Efficiency ratio | 59.2756% | 4,842 |
| Assets per employee ($millions) | 4.5878% | 2,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5145% | 1,918 |
| Loan loss allowance to noncurrent loans | 390.0407% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.2124% | 4,709 |
| Noncurrent loans to loans | 0.3883% | 4,047 |
| Net loans and leases to total assets | 49.4545% | 4,847 |
| Net loans and leases to deposits | 57.6073% | 4,877 |
| Net loans and leases to core deposits | 62.7977% | 4,768 |
| Total domestic deposits to total assets | 85.8476% | 2,739 |
| Equity capital to assets | 13.7042% | 1,087 |
| Core capital (leverage) ratio | 13.6685% | 922 |
| Tier 1 risk-based capital ratio | 31.4925% | 447 |
| Total risk-based capital ratio | 32.7485% | 442 |
| Memoranda: | ||
| Average total assets | $249,760,000 | 2,541 |
| Average earning assets | $240,107,000 | 2,465 |
| Average equity | $34,169,000 | 2,131 |
| Average total loans | $127,515,500 | 2,975 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4608% | 5,024 |
| Cost of funding earning assets | 0.4274% | 2,868 |
| Net interest margin | 3.0334% | 5,060 |
| Noninterest income to average assets | 0.3937% | 4,075 |
| Noninterest expense to average assets | 2.0020% | 5,455 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8882% | 2,940 |
| Return on assets (ROA) | 0.8882% | 3,018 |
| Pretax return on assets | 1.3041% | 2,271 |
| Return on Equity (ROE) | 6.7499% | 3,653 |
| Retained earnings to average equity (ytd only) | 5.3582% | 2,169 |
| Net charge-offs to loans | 0.0016% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1,641.5000% | 25 |
| Efficiency ratio | 60.5551% | 4,831 |
| Assets per employee ($millions) | 4.3366% | 3,328 |
| Cash dividends to net income (ytd only)* | 20.6172% | 3,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4986% | 2,017 |
| Loan loss allowance to noncurrent loans | 336.1888% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.2314% | 4,670 |
| Noncurrent loans to loans | 0.4458% | 3,872 |
| Net loans and leases to total assets | 51.1350% | 4,762 |
| Net loans and leases to deposits | 59.5277% | 4,801 |
| Net loans and leases to core deposits | 65.8326% | 4,609 |
| Total domestic deposits to total assets | 85.9011% | 2,678 |
| Equity capital to assets | 13.6568% | 1,057 |
| Core capital (leverage) ratio | 13.4606% | 985 |
| Tier 1 risk-based capital ratio | 30.5691% | 482 |
| Total risk-based capital ratio | 31.8251% | 474 |
| Memoranda: | ||
| Average total assets | $251,745,200 | 2,490 |
| Average earning assets | $241,708,600 | 2,409 |
| Average equity | $33,126,600 | 2,141 |
| Average total loans | $127,751,800 | 2,922 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4246% | 5,150 |
| Cost of funding earning assets | 0.4262% | 2,946 |
| Net interest margin | 2.9985% | 5,193 |
| Noninterest income to average assets | 0.3875% | 4,172 |
| Noninterest expense to average assets | 1.9181% | 5,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9158% | 2,888 |
| Return on assets (ROA) | 0.9158% | 2,971 |
| Pretax return on assets | 1.3481% | 2,218 |
| Return on Equity (ROE) | 7.0247% | 3,601 |
| Retained earnings to average equity (ytd only) | 5.8114% | 2,361 |
| Net charge-offs to loans | 0.0010% | 4,155 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 2,563.3459% | 17 |
| Efficiency ratio | 58.7248% | 5,040 |
| Assets per employee ($millions) | 4.3470% | 3,250 |
| Cash dividends to net income (ytd only)* | 17.2712% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 2,307 |
| Loan loss allowance to noncurrent loans | 737.1648% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 5,334 |
| Noncurrent loans to loans | 0.1987% | 4,850 |
| Net loans and leases to total assets | 51.3283% | 4,821 |
| Net loans and leases to deposits | 59.5874% | 4,883 |
| Net loans and leases to core deposits | 65.9088% | 4,696 |
| Total domestic deposits to total assets | 86.1395% | 2,463 |
| Equity capital to assets | 13.3703% | 1,285 |
| Core capital (leverage) ratio | 13.0499% | 1,186 |
| Tier 1 risk-based capital ratio | 29.3766% | 554 |
| Total risk-based capital ratio | 30.6320% | 546 |
| Memoranda: | ||
| Average total assets | $252,884,250 | 2,504 |
| Average earning assets | $242,784,750 | 2,414 |
| Average equity | $32,968,750 | 2,165 |
| Average total loans | $127,609,000 | 2,946 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3705% | 5,293 |
| Cost of funding earning assets | 0.4249% | 2,986 |
| Net interest margin | 2.9456% | 5,346 |
| Noninterest income to average assets | 0.3871% | 4,176 |
| Noninterest expense to average assets | 1.8883% | 5,732 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9015% | 2,872 |
| Return on assets (ROA) | 0.9015% | 2,989 |
| Pretax return on assets | 1.3250% | 2,263 |
| Return on Equity (ROE) | 6.9740% | 3,624 |
| Retained earnings to average equity (ytd only) | 6.9740% | 1,714 |
| Net charge-offs to loans | -0.0032% | 4,654 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7657% | 5,139 |
| Assets per employee ($millions) | 4.2622% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 2,311 |
| Loan loss allowance to noncurrent loans | 550.5714% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 5,309 |
| Noncurrent loans to loans | 0.2718% | 4,693 |
| Net loans and leases to total assets | 49.5988% | 4,972 |
| Net loans and leases to deposits | 57.3240% | 5,039 |
| Net loans and leases to core deposits | 63.0632% | 4,871 |
| Total domestic deposits to total assets | 86.5237% | 2,419 |
| Equity capital to assets | 13.0043% | 1,402 |
| Core capital (leverage) ratio | 12.8164% | 1,246 |
| Tier 1 risk-based capital ratio | 29.5762% | 562 |
| Total risk-based capital ratio | 30.8317% | 557 |
| Memoranda: | ||
| Average total assets | $253,137,000 | 2,525 |
| Average earning assets | $242,869,000 | 2,435 |
| Average equity | $32,721,670 | 2,185 |
| Average total loans | $126,366,670 | 2,976 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3317% | 5,366 |
| Cost of funding earning assets | 0.4241% | 3,017 |
| Net interest margin | 2.9076% | 5,439 |
| Noninterest income to average assets | 0.3875% | 4,108 |
| Noninterest expense to average assets | 1.9012% | 5,755 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8656% | 2,928 |
| Return on assets (ROA) | 0.8656% | 3,044 |
| Pretax return on assets | 1.2738% | 2,375 |
| Return on Equity (ROE) | 6.7171% | 3,648 |
| Retained earnings to average equity (ytd only) | 6.7171% | 2,140 |
| Net charge-offs to loans | -0.0096% | 4,705 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8799% | 5,102 |
| Assets per employee ($millions) | 4.3531% | 3,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5523% | 2,229 |
| Loan loss allowance to noncurrent loans | 905.1643% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 5,611 |
| Noncurrent loans to loans | 0.1715% | 5,154 |
| Net loans and leases to total assets | 47.6085% | 5,073 |
| Net loans and leases to deposits | 54.8703% | 5,132 |
| Net loans and leases to core deposits | 60.4083% | 4,962 |
| Total domestic deposits to total assets | 86.7656% | 2,517 |
| Equity capital to assets | 12.7777% | 1,522 |
| Core capital (leverage) ratio | 12.8916% | 1,195 |
| Tier 1 risk-based capital ratio | 30.2099% | 530 |
| Total risk-based capital ratio | 31.4666% | 524 |
| Memoranda: | ||
| Average total assets | $251,840,500 | 2,544 |
| Average earning assets | $241,435,000 | 2,459 |
| Average equity | $32,454,500 | 2,212 |
| Average total loans | $125,167,000 | 2,997 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5357% | 5,238 |
| Cost of funding earning assets | 0.4280% | 3,405 |
| Net interest margin | 3.1077% | 5,185 |
| Noninterest income to average assets | 0.4161% | 4,070 |
| Noninterest expense to average assets | 2.0230% | 5,725 |
| Loan and lease loss provision to assets | 0.0074% | 4,481 |
| Net operating income to assets | 0.9276% | 2,739 |
| Return on assets (ROA) | 0.9276% | 2,831 |
| Pretax return on assets | 1.3594% | 2,043 |
| Return on Equity (ROE) | 7.2456% | 3,491 |
| Retained earnings to average equity (ytd only) | 6.1922% | 1,816 |
| Net charge-offs to loans | -0.0024% | 5,392 |
| Credit loss provision to net charge-offs | -600.0000% | 5,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6798% | 5,266 |
| Assets per employee ($millions) | 4.1839% | 3,572 |
| Cash dividends to net income (ytd only)* | 14.5390% | 3,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 2,359 |
| Loan loss allowance to noncurrent loans | 887.0968% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0879% | 5,677 |
| Noncurrent loans to loans | 0.1720% | 5,207 |
| Net loans and leases to total assets | 50.3170% | 4,940 |
| Net loans and leases to deposits | 58.1351% | 5,055 |
| Net loans and leases to core deposits | 64.1978% | 4,812 |
| Total domestic deposits to total assets | 86.5518% | 2,538 |
| Equity capital to assets | 13.0006% | 1,374 |
| Core capital (leverage) ratio | 13.0218% | 1,129 |
| Tier 1 risk-based capital ratio | 29.5474% | 531 |
| Total risk-based capital ratio | 30.8040% | 521 |
| Memoranda: | ||
| Average total assets | $243,197,400 | 2,590 |
| Average earning assets | $232,711,000 | 2,490 |
| Average equity | $31,136,000 | 2,214 |
| Average total loans | $123,411,200 | 2,981 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5150% | 5,359 |
| Cost of funding earning assets | 0.4267% | 3,502 |
| Net interest margin | 3.0882% | 5,291 |
| Noninterest income to average assets | 0.4199% | 4,097 |
| Noninterest expense to average assets | 2.0070% | 5,763 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9333% | 2,762 |
| Return on assets (ROA) | 0.9333% | 2,853 |
| Pretax return on assets | 1.3719% | 2,113 |
| Return on Equity (ROE) | 7.3188% | 3,544 |
| Retained earnings to average equity (ytd only) | 7.3188% | 1,658 |
| Net charge-offs to loans | -0.0033% | 5,232 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3974% | 5,265 |
| Assets per employee ($millions) | 4.0053% | 3,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 2,826 |
| Loan loss allowance to noncurrent loans | 1,352.4823% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 5,911 |
| Noncurrent loans to loans | 0.1094% | 5,606 |
| Net loans and leases to total assets | 52.8493% | 4,716 |
| Net loans and leases to deposits | 61.2531% | 4,821 |
| Net loans and leases to core deposits | 67.4410% | 4,566 |
| Total domestic deposits to total assets | 86.2803% | 2,713 |
| Equity capital to assets | 13.2249% | 1,312 |
| Core capital (leverage) ratio | 12.9888% | 1,181 |
| Tier 1 risk-based capital ratio | 28.5179% | 612 |
| Total risk-based capital ratio | 29.7740% | 595 |
| Memoranda: | ||
| Average total assets | $242,284,000 | 2,610 |
| Average earning assets | $232,144,750 | 2,517 |
| Average equity | $30,897,000 | 2,233 |
| Average total loans | $122,730,750 | 3,012 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4432% | 5,536 |
| Cost of funding earning assets | 0.4262% | 3,590 |
| Net interest margin | 3.0170% | 5,471 |
| Noninterest income to average assets | 0.4067% | 4,196 |
| Noninterest expense to average assets | 1.9206% | 5,966 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9377% | 2,610 |
| Return on assets (ROA) | 0.9377% | 2,716 |
| Pretax return on assets | 1.3765% | 1,981 |
| Return on Equity (ROE) | 7.4440% | 3,393 |
| Retained earnings to average equity (ytd only) | 7.4440% | 1,543 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2522% | 5,525 |
| Assets per employee ($millions) | 4.0457% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 2,760 |
| Loan loss allowance to noncurrent loans | 374.8031% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.2666% | 5,295 |
| Noncurrent loans to loans | 0.4082% | 4,765 |
| Net loans and leases to total assets | 49.6548% | 4,998 |
| Net loans and leases to deposits | 57.1609% | 5,107 |
| Net loans and leases to core deposits | 62.4868% | 4,931 |
| Total domestic deposits to total assets | 86.8684% | 2,534 |
| Equity capital to assets | 12.6689% | 1,556 |
| Core capital (leverage) ratio | 12.5686% | 1,360 |
| Tier 1 risk-based capital ratio | 29.3545% | 556 |
| Total risk-based capital ratio | 30.6110% | 541 |
| Memoranda: | ||
| Average total assets | $242,939,000 | 2,611 |
| Average earning assets | $232,746,330 | 2,519 |
| Average equity | $30,602,000 | 2,241 |
| Average total loans | $120,669,670 | 3,048 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4478% | 5,541 |
| Cost of funding earning assets | 0.4249% | 3,700 |
| Net interest margin | 3.0229% | 5,470 |
| Noninterest income to average assets | 0.4099% | 4,103 |
| Noninterest expense to average assets | 1.9451% | 5,988 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9277% | 2,513 |
| Return on assets (ROA) | 0.9277% | 2,588 |
| Pretax return on assets | 1.3576% | 1,889 |
| Return on Equity (ROE) | 7.3867% | 3,264 |
| Retained earnings to average equity (ytd only) | 7.3867% | 1,863 |
| Net charge-offs to loans | -0.0269% | 5,498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8945% | 5,554 |
| Assets per employee ($millions) | 4.0115% | 3,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6290% | 2,583 |
| Loan loss allowance to noncurrent loans | 299.2175% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.2722% | 5,354 |
| Noncurrent loans to loans | 0.5444% | 4,536 |
| Net loans and leases to total assets | 47.1843% | 5,214 |
| Net loans and leases to deposits | 54.2618% | 5,259 |
| Net loans and leases to core deposits | 59.3844% | 5,096 |
| Total domestic deposits to total assets | 86.9568% | 2,835 |
| Equity capital to assets | 12.5201% | 1,562 |
| Core capital (leverage) ratio | 12.6804% | 1,304 |
| Tier 1 risk-based capital ratio | 30.2661% | 515 |
| Total risk-based capital ratio | 31.5237% | 508 |
| Memoranda: | ||
| Average total assets | $241,015,500 | 2,632 |
| Average earning assets | $230,638,500 | 2,547 |
| Average equity | $30,270,500 | 2,257 |
| Average total loans | $118,782,000 | 3,095 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5413% | 5,556 |
| Cost of funding earning assets | 0.5160% | 3,443 |
| Net interest margin | 3.0253% | 5,519 |
| Noninterest income to average assets | 0.4335% | 4,207 |
| Noninterest expense to average assets | 1.9934% | 6,041 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9174% | 2,695 |
| Return on assets (ROA) | 0.9174% | 2,778 |
| Pretax return on assets | 1.3447% | 1,987 |
| Return on Equity (ROE) | 7.5290% | 3,281 |
| Retained earnings to average equity (ytd only) | 6.4196% | 1,729 |
| Net charge-offs to loans | 0.0218% | 4,996 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 130.5200% | 354 |
| Efficiency ratio | 59.7160% | 5,506 |
| Assets per employee ($millions) | 3.8906% | 4,085 |
| Cash dividends to net income (ytd only)* | 14.7350% | 3,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 2,823 |
| Loan loss allowance to noncurrent loans | 251.5192% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.3780% | 5,113 |
| Noncurrent loans to loans | 0.6298% | 4,407 |
| Net loans and leases to total assets | 49.8409% | 5,099 |
| Net loans and leases to deposits | 57.3271% | 5,183 |
| Net loans and leases to core deposits | 62.6563% | 5,006 |
| Total domestic deposits to total assets | 86.9413% | 2,755 |
| Equity capital to assets | 12.6002% | 1,465 |
| Core capital (leverage) ratio | 12.5049% | 1,359 |
| Tier 1 risk-based capital ratio | 28.3506% | 590 |
| Total risk-based capital ratio | 29.6075% | 577 |
| Memoranda: | ||
| Average total assets | $242,649,000 | 2,598 |
| Average earning assets | $232,966,800 | 2,490 |
| Average equity | $29,565,600 | 2,281 |
| Average total loans | $114,425,800 | 3,165 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5029% | 5,682 |
| Cost of funding earning assets | 0.5360% | 3,411 |
| Net interest margin | 2.9669% | 5,672 |
| Noninterest income to average assets | 0.4350% | 4,268 |
| Noninterest expense to average assets | 1.9138% | 6,164 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9372% | 2,650 |
| Return on assets (ROA) | 0.9372% | 2,764 |
| Pretax return on assets | 1.3739% | 2,020 |
| Return on Equity (ROE) | 7.7562% | 3,255 |
| Retained earnings to average equity (ytd only) | 7.7562% | 1,520 |
| Net charge-offs to loans | 0.0212% | 4,705 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 139.6633% | 394 |
| Efficiency ratio | 58.2114% | 5,658 |
| Assets per employee ($millions) | 3.7964% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 2,957 |
| Loan loss allowance to noncurrent loans | 427.5168% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 5,820 |
| Noncurrent loans to loans | 0.3771% | 5,271 |
| Net loans and leases to total assets | 48.7660% | 5,267 |
| Net loans and leases to deposits | 56.0408% | 5,372 |
| Net loans and leases to core deposits | 61.1194% | 5,204 |
| Total domestic deposits to total assets | 87.0187% | 2,682 |
| Equity capital to assets | 12.4854% | 1,584 |
| Core capital (leverage) ratio | 12.2513% | 1,546 |
| Tier 1 risk-based capital ratio | 28.3054% | 606 |
| Total risk-based capital ratio | 29.5623% | 595 |
| Memoranda: | ||
| Average total assets | $243,979,000 | 2,600 |
| Average earning assets | $234,579,500 | 2,489 |
| Average equity | $29,481,000 | 2,308 |
| Average total loans | $112,984,500 | 3,208 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4370% | 5,822 |
| Cost of funding earning assets | 0.5580% | 3,338 |
| Net interest margin | 2.8790% | 5,831 |
| Noninterest income to average assets | 0.4267% | 4,327 |
| Noninterest expense to average assets | 1.8788% | 6,260 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9015% | 2,787 |
| Return on assets (ROA) | 0.9015% | 2,928 |
| Pretax return on assets | 1.3210% | 2,230 |
| Return on Equity (ROE) | 7.5424% | 3,330 |
| Retained earnings to average equity (ytd only) | 7.5424% | 1,653 |
| Net charge-offs to loans | 0.0252% | 4,344 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 115.8571% | 415 |
| Efficiency ratio | 58.7172% | 5,641 |
| Assets per employee ($millions) | 3.9589% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6478% | 2,985 |
| Loan loss allowance to noncurrent loans | 471.6749% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.1837% | 5,942 |
| Noncurrent loans to loans | 0.3493% | 5,415 |
| Net loans and leases to total assets | 46.5681% | 5,469 |
| Net loans and leases to deposits | 53.1741% | 5,590 |
| Net loans and leases to core deposits | 57.9338% | 5,427 |
| Total domestic deposits to total assets | 87.5766% | 2,507 |
| Equity capital to assets | 11.9512% | 1,947 |
| Core capital (leverage) ratio | 11.7004% | 1,798 |
| Tier 1 risk-based capital ratio | 28.0547% | 625 |
| Total risk-based capital ratio | 29.3121% | 618 |
| Memoranda: | ||
| Average total assets | $245,580,330 | 2,594 |
| Average earning assets | $236,541,330 | 2,477 |
| Average equity | $29,354,000 | 2,314 |
| Average total loans | $111,130,330 | 3,249 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3887% | 5,964 |
| Cost of funding earning assets | 0.5859% | 3,250 |
| Net interest margin | 2.8028% | 6,028 |
| Noninterest income to average assets | 0.4283% | 4,263 |
| Noninterest expense to average assets | 1.8726% | 6,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8647% | 2,838 |
| Return on assets (ROA) | 0.8647% | 2,978 |
| Pretax return on assets | 1.2587% | 2,375 |
| Return on Equity (ROE) | 7.2333% | 3,363 |
| Retained earnings to average equity (ytd only) | 7.2333% | 2,057 |
| Net charge-offs to loans | 0.0074% | 4,005 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 386.5000% | 93 |
| Efficiency ratio | 59.8024% | 5,614 |
| Assets per employee ($millions) | 4.0645% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7768% | 2,708 |
| Loan loss allowance to noncurrent loans | 883.9450% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 6,259 |
| Noncurrent loans to loans | 0.2010% | 5,897 |
| Net loans and leases to total assets | 42.9663% | 5,761 |
| Net loans and leases to deposits | 49.0465% | 5,854 |
| Net loans and leases to core deposits | 53.5274% | 5,708 |
| Total domestic deposits to total assets | 87.6032% | 2,571 |
| Equity capital to assets | 11.9625% | 2,068 |
| Core capital (leverage) ratio | 11.4934% | 1,890 |
| Tier 1 risk-based capital ratio | 29.9452% | 532 |
| Total risk-based capital ratio | 31.2053% | 524 |
| Memoranda: | ||
| Average total assets | $245,646,000 | 2,625 |
| Average earning assets | $236,906,000 | 2,502 |
| Average equity | $29,364,000 | 2,345 |
| Average total loans | $108,587,500 | 3,320 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7364% | 5,977 |
| Cost of funding earning assets | 0.7725% | 2,895 |
| Net interest margin | 2.9639% | 6,110 |
| Noninterest income to average assets | 0.4247% | 4,416 |
| Noninterest expense to average assets | 1.9865% | 6,357 |
| Loan and lease loss provision to assets | 0.0617% | 4,998 |
| Net operating income to assets | 0.8375% | 3,109 |
| Return on assets (ROA) | 0.8375% | 3,362 |
| Pretax return on assets | 1.2235% | 2,710 |
| Return on Equity (ROE) | 7.1884% | 3,539 |
| Retained earnings to average equity (ytd only) | 5.9909% | 2,082 |
| Net charge-offs to loans | 0.0106% | 5,780 |
| Credit loss provision to net charge-offs | 1,250.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 260.2500% | 150 |
| Efficiency ratio | 60.7170% | 5,424 |
| Assets per employee ($millions) | 3.8628% | 4,246 |
| Cash dividends to net income (ytd only)* | 16.6585% | 3,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7743% | 2,670 |
| Loan loss allowance to noncurrent loans | 2,505.1948% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 6,488 |
| Noncurrent loans to loans | 0.0708% | 6,309 |
| Net loans and leases to total assets | 43.8823% | 5,830 |
| Net loans and leases to deposits | 50.0943% | 5,947 |
| Net loans and leases to core deposits | 54.9829% | 5,794 |
| Total domestic deposits to total assets | 87.5993% | 2,477 |
| Equity capital to assets | 11.9450% | 2,080 |
| Core capital (leverage) ratio | 11.4229% | 1,927 |
| Tier 1 risk-based capital ratio | 29.6752% | 527 |
| Total risk-based capital ratio | 30.9348% | 522 |
| Memoranda: | ||
| Average total assets | $242,991,000 | 2,601 |
| Average earning assets | $233,408,800 | 2,469 |
| Average equity | $28,309,400 | 2,371 |
| Average total loans | $112,900,600 | 3,230 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7671% | 6,093 |
| Cost of funding earning assets | 0.8075% | 2,882 |
| Net interest margin | 2.9597% | 6,253 |
| Noninterest income to average assets | 0.4084% | 4,567 |
| Noninterest expense to average assets | 1.9162% | 6,498 |
| Loan and lease loss provision to assets | 0.0823% | 4,598 |
| Net operating income to assets | 0.8536% | 3,195 |
| Return on assets (ROA) | 0.8536% | 3,445 |
| Pretax return on assets | 1.2526% | 2,782 |
| Return on Equity (ROE) | 7.3731% | 3,595 |
| Retained earnings to average equity (ytd only) | 7.2356% | 1,992 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9397% | 5,673 |
| Assets per employee ($millions) | 3.9230% | 4,027 |
| Cash dividends to net income (ytd only)* | 1.8652% | 3,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7030% | 3,143 |
| Loan loss allowance to noncurrent loans | 12,940.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 6,695 |
| Noncurrent loans to loans | 0.0132% | 6,620 |
| Net loans and leases to total assets | 45.3304% | 5,836 |
| Net loans and leases to deposits | 51.6786% | 5,998 |
| Net loans and leases to core deposits | 56.7363% | 5,833 |
| Total domestic deposits to total assets | 87.7161% | 2,215 |
| Equity capital to assets | 11.7490% | 2,486 |
| Core capital (leverage) ratio | 11.2774% | 2,156 |
| Tier 1 risk-based capital ratio | 28.2026% | 640 |
| Total risk-based capital ratio | 29.4617% | 620 |
| Memoranda: | ||
| Average total assets | $242,899,250 | 2,625 |
| Average earning assets | $233,309,750 | 2,497 |
| Average equity | $28,119,500 | 2,405 |
| Average total loans | $113,945,750 | 3,239 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7865% | 6,171 |
| Cost of funding earning assets | 0.8345% | 2,913 |
| Net interest margin | 2.9519% | 6,336 |
| Noninterest income to average assets | 0.4174% | 4,526 |
| Noninterest expense to average assets | 1.9124% | 6,575 |
| Loan and lease loss provision to assets | 0.0745% | 4,692 |
| Net operating income to assets | 0.8613% | 3,079 |
| Return on assets (ROA) | 0.8613% | 3,347 |
| Pretax return on assets | 1.2663% | 2,662 |
| Return on Equity (ROE) | 7.4784% | 3,534 |
| Retained earnings to average equity (ytd only) | 7.2699% | 1,968 |
| Net charge-offs to loans | -0.0018% | 6,086 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7831% | 5,760 |
| Assets per employee ($millions) | 3.9438% | 3,989 |
| Cash dividends to net income (ytd only)* | 2.7885% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6567% | 3,402 |
| Loan loss allowance to noncurrent loans | 9,905.2632% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 6,751 |
| Noncurrent loans to loans | 0.0167% | 6,649 |
| Net loans and leases to total assets | 44.9640% | 5,929 |
| Net loans and leases to deposits | 51.0373% | 6,105 |
| Net loans and leases to core deposits | 55.7039% | 5,969 |
| Total domestic deposits to total assets | 88.1002% | 2,076 |
| Equity capital to assets | 11.4232% | 2,667 |
| Core capital (leverage) ratio | 11.0748% | 2,231 |
| Tier 1 risk-based capital ratio | 27.7098% | 668 |
| Total risk-based capital ratio | 28.9682% | 653 |
| Memoranda: | ||
| Average total assets | $241,481,670 | 2,643 |
| Average earning assets | $231,982,330 | 2,503 |
| Average equity | $27,813,330 | 2,410 |
| Average total loans | $113,935,670 | 3,252 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8582% | 6,123 |
| Cost of funding earning assets | 0.8648% | 2,960 |
| Net interest margin | 2.9934% | 6,302 |
| Noninterest income to average assets | 0.4437% | 4,336 |
| Noninterest expense to average assets | 1.9362% | 6,576 |
| Loan and lease loss provision to assets | 0.0756% | 4,452 |
| Net operating income to assets | 0.8874% | 2,984 |
| Return on assets (ROA) | 0.8874% | 3,205 |
| Pretax return on assets | 1.3059% | 2,516 |
| Return on Equity (ROE) | 7.6719% | 3,423 |
| Retained earnings to average equity (ytd only) | 7.2505% | 2,303 |
| Net charge-offs to loans | -0.0210% | 6,200 |
| Credit loss provision to net charge-offs | -750.0000% | 5,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3587% | 5,868 |
| Assets per employee ($millions) | 3.9195% | 4,166 |
| Cash dividends to net income (ytd only)* | 5.4924% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6246% | 3,627 |
| Loan loss allowance to noncurrent loans | 1,644.6429% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 6,695 |
| Noncurrent loans to loans | 0.0988% | 6,510 |
| Net loans and leases to total assets | 45.8991% | 5,794 |
| Net loans and leases to deposits | 52.1298% | 5,957 |
| Net loans and leases to core deposits | 56.7239% | 5,841 |
| Total domestic deposits to total assets | 88.0477% | 2,289 |
| Equity capital to assets | 11.4367% | 2,495 |
| Core capital (leverage) ratio | 11.1992% | 2,110 |
| Tier 1 risk-based capital ratio | 27.5839% | 678 |
| Total risk-based capital ratio | 28.8420% | 658 |
| Memoranda: | ||
| Average total assets | $237,993,000 | 2,692 |
| Average earning assets | $228,503,000 | 2,557 |
| Average equity | $27,529,000 | 2,429 |
| Average total loans | $114,104,000 | 3,275 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1867% | 6,096 |
| Cost of funding earning assets | 1.0484% | 3,034 |
| Net interest margin | 3.1383% | 6,251 |
| Noninterest income to average assets | 0.4470% | 4,240 |
| Noninterest expense to average assets | 2.0225% | 6,639 |
| Loan and lease loss provision to assets | 0.1024% | 5,308 |
| Net operating income to assets | 0.9097% | 2,560 |
| Return on assets (ROA) | 0.9097% | 2,681 |
| Pretax return on assets | 1.3310% | 2,011 |
| Return on Equity (ROE) | 7.9261% | 2,950 |
| Retained earnings to average equity (ytd only) | 6.6659% | 1,659 |
| Net charge-offs to loans | 0.0332% | 5,983 |
| Credit loss provision to net charge-offs | 618.4211% | 362 |
| Earnings coverage of net charge-offs (x) | 86.5789% | 338 |
| Efficiency ratio | 58.5224% | 5,979 |
| Assets per employee ($millions) | 3.7577% | 4,414 |
| Cash dividends to net income (ytd only)* | 15.9004% | 3,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5597% | 3,753 |
| Loan loss allowance to noncurrent loans | 3,256.3636% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 6,742 |
| Noncurrent loans to loans | 0.0479% | 6,705 |
| Net loans and leases to total assets | 48.5181% | 5,778 |
| Net loans and leases to deposits | 55.2459% | 5,958 |
| Net loans and leases to core deposits | 60.1635% | 5,835 |
| Total domestic deposits to total assets | 87.8221% | 2,265 |
| Equity capital to assets | 11.7032% | 2,340 |
| Core capital (leverage) ratio | 11.3660% | 1,991 |
| Tier 1 risk-based capital ratio | 26.9166% | 716 |
| Total risk-based capital ratio | 28.1737% | 691 |
| Memoranda: | ||
| Average total assets | $229,523,200 | 2,729 |
| Average earning assets | $220,052,000 | 2,612 |
| Average equity | $26,343,200 | 2,450 |
| Average total loans | $114,597,400 | 3,281 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2017% | 6,198 |
| Cost of funding earning assets | 1.0790% | 3,117 |
| Net interest margin | 3.1227% | 6,354 |
| Noninterest income to average assets | 0.4385% | 4,376 |
| Noninterest expense to average assets | 1.9446% | 6,795 |
| Loan and lease loss provision to assets | 0.1015% | 5,177 |
| Net operating income to assets | 0.9434% | 2,558 |
| Return on assets (ROA) | 0.9434% | 2,716 |
| Pretax return on assets | 1.3860% | 1,981 |
| Return on Equity (ROE) | 8.2615% | 2,929 |
| Retained earnings to average equity (ytd only) | 8.2053% | 1,426 |
| Net charge-offs to loans | 0.0093% | 6,032 |
| Credit loss provision to net charge-offs | 2,175.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 318.7676% | 117 |
| Efficiency ratio | 56.6599% | 6,186 |
| Assets per employee ($millions) | 3.8291% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.6800% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4874% | 4,164 |
| Loan loss allowance to noncurrent loans | 1,060.2410% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 6,741 |
| Noncurrent loans to loans | 0.1403% | 6,592 |
| Net loans and leases to total assets | 50.7369% | 5,611 |
| Net loans and leases to deposits | 57.9244% | 5,844 |
| Net loans and leases to core deposits | 63.0383% | 5,710 |
| Total domestic deposits to total assets | 87.5915% | 2,295 |
| Equity capital to assets | 11.8579% | 2,369 |
| Core capital (leverage) ratio | 11.3646% | 2,120 |
| Tier 1 risk-based capital ratio | 25.0904% | 903 |
| Total risk-based capital ratio | 26.3456% | 896 |
| Memoranda: | ||
| Average total assets | $228,659,250 | 2,742 |
| Average earning assets | $219,208,750 | 2,638 |
| Average equity | $26,112,500 | 2,466 |
| Average total loans | $114,539,750 | 3,307 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1833% | 6,315 |
| Cost of funding earning assets | 1.1041% | 3,213 |
| Net interest margin | 3.0792% | 6,449 |
| Noninterest income to average assets | 0.4170% | 4,537 |
| Noninterest expense to average assets | 1.9790% | 6,837 |
| Loan and lease loss provision to assets | 0.0946% | 5,148 |
| Net operating income to assets | 0.8866% | 2,702 |
| Return on assets (ROA) | 0.8866% | 2,807 |
| Pretax return on assets | 1.2948% | 2,150 |
| Return on Equity (ROE) | 7.8646% | 3,005 |
| Retained earnings to average equity (ytd only) | 7.8646% | 1,506 |
| Net charge-offs to loans | -0.0106% | 6,693 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7516% | 6,066 |
| Assets per employee ($millions) | 3.9568% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 4,274 |
| Loan loss allowance to noncurrent loans | 705.7851% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.2797% | 6,432 |
| Noncurrent loans to loans | 0.2078% | 6,492 |
| Net loans and leases to total assets | 50.0039% | 5,820 |
| Net loans and leases to deposits | 56.8604% | 6,062 |
| Net loans and leases to core deposits | 61.9805% | 5,899 |
| Total domestic deposits to total assets | 87.9416% | 2,175 |
| Equity capital to assets | 11.5516% | 2,457 |
| Core capital (leverage) ratio | 11.0685% | 2,193 |
| Tier 1 risk-based capital ratio | 25.5513% | 848 |
| Total risk-based capital ratio | 26.8073% | 832 |
| Memoranda: | ||
| Average total assets | $228,297,000 | 2,768 |
| Average earning assets | $218,825,000 | 2,657 |
| Average equity | $25,735,670 | 2,489 |
| Average total loans | $113,277,670 | 3,377 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1437% | 6,407 |
| Cost of funding earning assets | 1.1253% | 3,331 |
| Net interest margin | 3.0185% | 6,540 |
| Noninterest income to average assets | 0.4234% | 4,508 |
| Noninterest expense to average assets | 1.9657% | 6,882 |
| Loan and lease loss provision to assets | 0.0949% | 4,824 |
| Net operating income to assets | 0.8643% | 2,727 |
| Return on assets (ROA) | 0.8643% | 2,787 |
| Pretax return on assets | 1.2560% | 2,176 |
| Return on Equity (ROE) | 7.7638% | 3,022 |
| Retained earnings to average equity (ytd only) | 7.7638% | 1,823 |
| Net charge-offs to loans | -0.0179% | 6,534 |
| Credit loss provision to net charge-offs | -1,080.0000% | 6,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2691% | 6,086 |
| Assets per employee ($millions) | 4.0409% | 3,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4831% | 4,288 |
| Loan loss allowance to noncurrent loans | 3,443.7500% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 6,682 |
| Noncurrent loans to loans | 0.0431% | 6,941 |
| Net loans and leases to total assets | 47.6709% | 6,114 |
| Net loans and leases to deposits | 54.0227% | 6,290 |
| Net loans and leases to core deposits | 59.6376% | 6,122 |
| Total domestic deposits to total assets | 88.2425% | 2,231 |
| Equity capital to assets | 11.1280% | 2,558 |
| Core capital (leverage) ratio | 10.9154% | 2,247 |
| Tier 1 risk-based capital ratio | 25.5917% | 826 |
| Total risk-based capital ratio | 26.8472% | 801 |
| Memoranda: | ||
| Average total assets | $227,699,500 | 2,795 |
| Average earning assets | $218,257,000 | 2,682 |
| Average equity | $25,348,500 | 2,510 |
| Average total loans | $111,685,000 | 3,449 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4706% | 6,465 |
| Cost of funding earning assets | 1.3274% | 3,702 |
| Net interest margin | 3.1432% | 6,405 |
| Noninterest income to average assets | 0.4352% | 4,633 |
| Noninterest expense to average assets | 2.0499% | 6,944 |
| Loan and lease loss provision to assets | 0.1353% | 5,818 |
| Net operating income to assets | 0.8646% | 2,536 |
| Return on assets (ROA) | 0.8646% | 2,676 |
| Pretax return on assets | 1.2629% | 2,033 |
| Return on Equity (ROE) | 7.8054% | 2,778 |
| Retained earnings to average equity (ytd only) | 6.8201% | 1,400 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4506% | 6,126 |
| Assets per employee ($millions) | 4.0191% | 3,742 |
| Cash dividends to net income (ytd only)* | 12.6239% | 3,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 4,403 |
| Loan loss allowance to noncurrent loans | 334.1719% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 6,700 |
| Noncurrent loans to loans | 0.4262% | 6,193 |
| Net loans and leases to total assets | 49.0172% | 6,272 |
| Net loans and leases to deposits | 55.4744% | 6,483 |
| Net loans and leases to core deposits | 61.0042% | 6,315 |
| Total domestic deposits to total assets | 88.3601% | 2,032 |
| Equity capital to assets | 11.1370% | 2,562 |
| Core capital (leverage) ratio | 10.8303% | 2,285 |
| Tier 1 risk-based capital ratio | 25.3567% | 814 |
| Total risk-based capital ratio | 26.6112% | 790 |
| Memoranda: | ||
| Average total assets | $221,718,800 | 2,845 |
| Average earning assets | $212,524,000 | 2,722 |
| Average equity | $24,559,800 | 2,600 |
| Average total loans | $111,118,800 | 3,521 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4997% | 6,608 |
| Cost of funding earning assets | 1.3410% | 3,967 |
| Net interest margin | 3.1587% | 6,456 |
| Noninterest income to average assets | 0.4304% | 4,714 |
| Noninterest expense to average assets | 1.9660% | 7,111 |
| Loan and lease loss provision to assets | 0.1268% | 5,758 |
| Net operating income to assets | 0.9302% | 2,494 |
| Return on assets (ROA) | 0.9302% | 2,625 |
| Pretax return on assets | 1.3648% | 1,988 |
| Return on Equity (ROE) | 8.4091% | 2,735 |
| Retained earnings to average equity (ytd only) | 8.4091% | 1,273 |
| Net charge-offs to loans | -0.0096% | 7,266 |
| Credit loss provision to net charge-offs | -2,625.0000% | 7,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8610% | 6,431 |
| Assets per employee ($millions) | 4.0363% | 3,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 4,829 |
| Loan loss allowance to noncurrent loans | 274.9091% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 6,759 |
| Noncurrent loans to loans | 0.4820% | 6,227 |
| Net loans and leases to total assets | 49.8179% | 6,343 |
| Net loans and leases to deposits | 56.5102% | 6,577 |
| Net loans and leases to core deposits | 62.1317% | 6,455 |
| Total domestic deposits to total assets | 88.1575% | 1,868 |
| Equity capital to assets | 11.2315% | 2,747 |
| Core capital (leverage) ratio | 10.8231% | 2,395 |
| Tier 1 risk-based capital ratio | 24.7089% | 875 |
| Total risk-based capital ratio | 25.9623% | 863 |
| Memoranda: | ||
| Average total assets | $220,881,000 | 2,901 |
| Average earning assets | $211,685,000 | 2,772 |
| Average equity | $24,433,250 | 2,660 |
| Average total loans | $110,919,250 | 3,584 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4927% | 6,726 |
| Cost of funding earning assets | 1.3534% | 4,172 |
| Net interest margin | 3.1393% | 6,494 |
| Noninterest income to average assets | 0.4207% | 4,745 |
| Noninterest expense to average assets | 1.9319% | 7,209 |
| Loan and lease loss provision to assets | 0.1095% | 5,813 |
| Net operating income to assets | 0.9445% | 2,387 |
| Return on assets (ROA) | 0.9445% | 2,478 |
| Pretax return on assets | 1.3871% | 1,866 |
| Return on Equity (ROE) | 8.5838% | 2,629 |
| Retained earnings to average equity (ytd only) | 8.5838% | 1,235 |
| Net charge-offs to loans | -0.0018% | 7,068 |
| Credit loss provision to net charge-offs | -12,000.0000% | 7,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3482% | 6,594 |
| Assets per employee ($millions) | 3.9766% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 5,147 |
| Loan loss allowance to noncurrent loans | 268.5009% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2443% | 6,791 |
| Noncurrent loans to loans | 0.4676% | 6,317 |
| Net loans and leases to total assets | 49.9699% | 6,438 |
| Net loans and leases to deposits | 56.5782% | 6,680 |
| Net loans and leases to core deposits | 61.4646% | 6,597 |
| Total domestic deposits to total assets | 88.3201% | 1,819 |
| Equity capital to assets | 11.1159% | 2,759 |
| Core capital (leverage) ratio | 10.8926% | 2,332 |
| Tier 1 risk-based capital ratio | 24.0946% | 936 |
| Total risk-based capital ratio | 25.3468% | 914 |
| Memoranda: | ||
| Average total assets | $219,163,670 | 2,950 |
| Average earning assets | $209,986,000 | 2,815 |
| Average equity | $24,115,330 | 2,682 |
| Average total loans | $109,853,330 | 3,642 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5159% | 6,755 |
| Cost of funding earning assets | 1.3632% | 4,399 |
| Net interest margin | 3.1527% | 6,447 |
| Noninterest income to average assets | 0.4361% | 4,594 |
| Noninterest expense to average assets | 1.9558% | 7,241 |
| Loan and lease loss provision to assets | 0.1104% | 5,520 |
| Net operating income to assets | 0.9476% | 2,368 |
| Return on assets (ROA) | 0.9476% | 2,435 |
| Pretax return on assets | 1.3910% | 1,800 |
| Return on Equity (ROE) | 8.6569% | 2,603 |
| Retained earnings to average equity (ytd only) | 8.6569% | 1,491 |
| Net charge-offs to loans | -0.0111% | 6,913 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5726% | 6,687 |
| Assets per employee ($millions) | 3.9259% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 5,144 |
| Loan loss allowance to noncurrent loans | 257.9848% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.2470% | 6,848 |
| Noncurrent loans to loans | 0.4893% | 6,318 |
| Net loans and leases to total assets | 48.2781% | 6,648 |
| Net loans and leases to deposits | 54.5024% | 6,884 |
| Net loans and leases to core deposits | 57.8493% | 6,889 |
| Total domestic deposits to total assets | 88.5799% | 1,745 |
| Equity capital to assets | 10.9125% | 2,840 |
| Core capital (leverage) ratio | 10.7909% | 2,373 |
| Tier 1 risk-based capital ratio | 24.9520% | 873 |
| Total risk-based capital ratio | 26.2040% | 850 |
| Memoranda: | ||
| Average total assets | $217,400,500 | 3,022 |
| Average earning assets | $208,330,500 | 2,894 |
| Average equity | $23,796,000 | 2,741 |
| Average total loans | $108,433,500 | 3,721 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9593% | 6,555 |
| Cost of funding earning assets | 1.8142% | 3,915 |
| Net interest margin | 3.1451% | 6,242 |
| Noninterest income to average assets | 0.4224% | 5,035 |
| Noninterest expense to average assets | 2.1532% | 7,079 |
| Loan and lease loss provision to assets | 0.1647% | 6,044 |
| Net operating income to assets | 0.7637% | 2,663 |
| Return on assets (ROA) | 0.7637% | 2,758 |
| Pretax return on assets | 1.1148% | 2,203 |
| Return on Equity (ROE) | 7.1196% | 2,748 |
| Retained earnings to average equity (ytd only) | 6.6136% | 1,115 |
| Net charge-offs to loans | 0.2848% | 4,851 |
| Credit loss provision to net charge-offs | 115.5629% | 4,715 |
| Earnings coverage of net charge-offs (x) | 8.9768% | 1,860 |
| Efficiency ratio | 62.3814% | 6,081 |
| Assets per employee ($millions) | 3.7711% | 4,352 |
| Cash dividends to net income (ytd only)* | 7.1075% | 3,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 5,454 |
| Loan loss allowance to noncurrent loans | 186.1871% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.4313% | 6,383 |
| Noncurrent loans to loans | 0.6355% | 5,964 |
| Net loans and leases to total assets | 50.2796% | 6,611 |
| Net loans and leases to deposits | 56.8142% | 6,868 |
| Net loans and leases to core deposits | 81.7891% | 5,933 |
| Total domestic deposits to total assets | 88.4984% | 1,727 |
| Equity capital to assets | 10.9797% | 2,722 |
| Core capital (leverage) ratio | 10.6700% | 2,455 |
| Tier 1 risk-based capital ratio | 24.4156% | 912 |
| Total risk-based capital ratio | 25.6671% | 889 |
| Memoranda: | ||
| Average total assets | $211,874,800 | 3,043 |
| Average earning assets | $202,790,600 | 2,937 |
| Average equity | $22,726,000 | 2,860 |
| Average total loans | $106,054,800 | 3,774 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9880% | 6,636 |
| Cost of funding earning assets | 1.9001% | 3,890 |
| Net interest margin | 3.0879% | 6,343 |
| Noninterest income to average assets | 0.4206% | 5,127 |
| Noninterest expense to average assets | 2.1190% | 7,156 |
| Loan and lease loss provision to assets | 0.0733% | 6,625 |
| Net operating income to assets | 0.8078% | 2,781 |
| Return on assets (ROA) | 0.8078% | 2,847 |
| Pretax return on assets | 1.1855% | 2,311 |
| Return on Equity (ROE) | 7.5766% | 2,828 |
| Retained earnings to average equity (ytd only) | 7.5766% | 1,277 |
| Net charge-offs to loans | 0.1508% | 5,205 |
| Credit loss provision to net charge-offs | 97.4790% | 5,238 |
| Earnings coverage of net charge-offs (x) | 16.7482% | 1,451 |
| Efficiency ratio | 62.3785% | 6,041 |
| Assets per employee ($millions) | 3.8989% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 5,760 |
| Loan loss allowance to noncurrent loans | 196.8354% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.3983% | 6,461 |
| Noncurrent loans to loans | 0.5562% | 6,202 |
| Net loans and leases to total assets | 52.4082% | 6,569 |
| Net loans and leases to deposits | 59.3144% | 6,883 |
| Net loans and leases to core deposits | 86.1787% | 5,849 |
| Total domestic deposits to total assets | 88.3565% | 1,492 |
| Equity capital to assets | 10.9398% | 3,071 |
| Core capital (leverage) ratio | 10.5650% | 2,744 |
| Tier 1 risk-based capital ratio | 22.5173% | 1,168 |
| Total risk-based capital ratio | 23.7538% | 1,147 |
| Memoranda: | ||
| Average total assets | $211,105,500 | 3,074 |
| Average earning assets | $202,161,250 | 2,958 |
| Average equity | $22,507,250 | 2,910 |
| Average total loans | $105,225,750 | 3,847 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9838% | 6,826 |
| Cost of funding earning assets | 1.9734% | 3,899 |
| Net interest margin | 3.0104% | 6,524 |
| Noninterest income to average assets | 0.4105% | 5,195 |
| Noninterest expense to average assets | 2.0991% | 7,275 |
| Loan and lease loss provision to assets | 0.0762% | 6,426 |
| Net operating income to assets | 0.7619% | 3,005 |
| Return on assets (ROA) | 0.7619% | 3,114 |
| Pretax return on assets | 1.1162% | 2,579 |
| Return on Equity (ROE) | 7.2105% | 3,104 |
| Retained earnings to average equity (ytd only) | 7.2105% | 1,500 |
| Net charge-offs to loans | 0.2109% | 4,194 |
| Credit loss provision to net charge-offs | 74.0741% | 5,337 |
| Earnings coverage of net charge-offs (x) | 11.5926% | 1,891 |
| Efficiency ratio | 63.4259% | 6,019 |
| Assets per employee ($millions) | 3.8057% | 4,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1588% | 5,202 |
| Loan loss allowance to noncurrent loans | 192.8797% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.3716% | 6,528 |
| Noncurrent loans to loans | 0.6008% | 6,057 |
| Net loans and leases to total assets | 48.7878% | 6,971 |
| Net loans and leases to deposits | 55.0536% | 7,214 |
| Net loans and leases to core deposits | 79.7296% | 6,433 |
| Total domestic deposits to total assets | 88.6187% | 1,474 |
| Equity capital to assets | 10.6733% | 3,231 |
| Core capital (leverage) ratio | 10.2967% | 2,999 |
| Tier 1 risk-based capital ratio | 23.2891% | 1,109 |
| Total risk-based capital ratio | 24.5393% | 1,086 |
| Memoranda: | ||
| Average total assets | $209,994,670 | 3,102 |
| Average earning assets | $200,972,330 | 2,985 |
| Average equity | $22,190,000 | 2,952 |
| Average total loans | $102,425,330 | 3,958 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0386% | 6,835 |
| Cost of funding earning assets | 2.0556% | 3,838 |
| Net interest margin | 2.9830% | 6,523 |
| Noninterest income to average assets | 0.4184% | 5,073 |
| Noninterest expense to average assets | 2.0707% | 7,191 |
| Loan and lease loss provision to assets | 0.0288% | 6,565 |
| Net operating income to assets | 0.8003% | 3,127 |
| Return on assets (ROA) | 0.8003% | 3,288 |
| Pretax return on assets | 1.1706% | 2,724 |
| Return on Equity (ROE) | 7.6124% | 3,326 |
| Retained earnings to average equity (ytd only) | 7.6124% | 1,972 |
| Net charge-offs to loans | 0.4157% | 2,441 |
| Credit loss provision to net charge-offs | 14.2857% | 5,147 |
| Earnings coverage of net charge-offs (x) | 5.9524% | 2,579 |
| Efficiency ratio | 62.9695% | 5,877 |
| Assets per employee ($millions) | 3.8903% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 5,125 |
| Loan loss allowance to noncurrent loans | 130.7345% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4842% | 6,029 |
| Noncurrent loans to loans | 0.8792% | 5,254 |
| Net loans and leases to total assets | 46.5007% | 7,155 |
| Net loans and leases to deposits | 52.3266% | 7,382 |
| Net loans and leases to core deposits | 73.6012% | 6,829 |
| Total domestic deposits to total assets | 88.8661% | 1,294 |
| Equity capital to assets | 10.4113% | 3,558 |
| Core capital (leverage) ratio | 10.4896% | 2,943 |
| Tier 1 risk-based capital ratio | 23.3370% | 1,158 |
| Total risk-based capital ratio | 24.5767% | 1,129 |
| Memoranda: | ||
| Average total assets | $208,431,500 | 3,133 |
| Average earning assets | $199,260,000 | 3,024 |
| Average equity | $21,911,500 | 2,988 |
| Average total loans | $101,040,000 | 4,008 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7786% | 6,507 |
| Cost of funding earning assets | 2.8075% | 2,674 |
| Net interest margin | 2.9710% | 6,981 |
| Noninterest income to average assets | 0.4786% | 4,810 |
| Noninterest expense to average assets | 2.0842% | 7,267 |
| Loan and lease loss provision to assets | 0.0331% | 6,991 |
| Net operating income to assets | 0.8126% | 3,386 |
| Return on assets (ROA) | 0.8126% | 3,223 |
| Pretax return on assets | 1.1903% | 2,678 |
| Return on Equity (ROE) | 7.8283% | 3,141 |
| Retained earnings to average equity (ytd only) | 7.8283% | 894 |
| Net charge-offs to loans | 0.0438% | 6,159 |
| Credit loss provision to net charge-offs | 150.0000% | 3,499 |
| Earnings coverage of net charge-offs (x) | 55.3636% | 713 |
| Efficiency ratio | 62.6329% | 5,839 |
| Assets per employee ($millions) | 3.6890% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2295% | 4,316 |
| Loan loss allowance to noncurrent loans | 187.5188% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 6,294 |
| Noncurrent loans to loans | 0.6557% | 5,399 |
| Net loans and leases to total assets | 49.3750% | 7,081 |
| Net loans and leases to deposits | 55.6531% | 7,347 |
| Net loans and leases to core deposits | 80.9135% | 6,545 |
| Total domestic deposits to total assets | 88.7192% | 1,141 |
| Equity capital to assets | 10.6193% | 3,368 |
| Core capital (leverage) ratio | 10.5887% | 2,913 |
| Tier 1 risk-based capital ratio | 22.6534% | 1,233 |
| Total risk-based capital ratio | 23.9040% | 1,204 |
| Memoranda: | ||
| Average total assets | $199,115,600 | 3,149 |
| Average earning assets | $189,596,400 | 3,049 |
| Average equity | $20,668,600 | 3,137 |
| Average total loans | $100,477,600 | 3,932 |