Home > Citizens Community Bank > Performance and Condition Ratios
Citizens Community Bank, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3994% | 1,967 |
| Cost of funding earning assets | 0.6122% | 1,445 |
| Net interest margin | 3.7872% | 2,447 |
| Noninterest income to average assets | 0.4403% | 3,400 |
| Noninterest expense to average assets | 3.0942% | 1,819 |
| Loan and lease loss provision to assets | 0.0217% | 3,711 |
| Net operating income to assets | 0.5658% | 4,526 |
| Return on assets (ROA) | 0.5658% | 4,564 |
| Pretax return on assets | 0.8397% | 4,239 |
| Return on Equity (ROE) | 5.5022% | 4,317 |
| Retained earnings to average equity (ytd only) | 5.2243% | 2,723 |
| Net charge-offs to loans | 0.1273% | 1,511 |
| Credit loss provision to net charge-offs | 20.9581% | 3,150 |
| Earnings coverage of net charge-offs (x) | 8.3054% | 2,801 |
| Efficiency ratio | 78.2226% | 1,304 |
| Assets per employee ($millions) | 3.7610% | 4,351 |
| Cash dividends to net income (ytd only)* | 5.0492% | 3,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1877% | 3,002 |
| Loan loss allowance to noncurrent loans | 167.7152% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.7271% | 2,329 |
| Noncurrent loans to loans | 0.7082% | 2,588 |
| Net loans and leases to total assets | 77.2680% | 1,387 |
| Net loans and leases to deposits | 88.5511% | 1,980 |
| Net loans and leases to core deposits | 96.2835% | 2,038 |
| Total domestic deposits to total assets | 87.2580% | 1,746 |
| Equity capital to assets | 10.3330% | 3,556 |
| Core capital (leverage) ratio | 10.4176% | 3,069 |
| Tier 1 risk-based capital ratio | 13.9987% | 3,440 |
| Total risk-based capital ratio | 15.2570% | 3,354 |
| Memoranda: | ||
| Average total assets | $214,675,750 | 2,793 |
| Average earning assets | $199,262,500 | 2,799 |
| Average equity | $22,075,500 | 2,972 |
| Average total loans | $174,856,500 | 2,391 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3945% | 1,832 |
| Cost of funding earning assets | 0.6064% | 1,400 |
| Net interest margin | 3.7880% | 2,327 |
| Noninterest income to average assets | 0.4402% | 3,418 |
| Noninterest expense to average assets | 3.1360% | 1,750 |
| Loan and lease loss provision to assets | 0.0328% | 3,340 |
| Net operating income to assets | 0.5470% | 4,535 |
| Return on assets (ROA) | 0.5470% | 4,572 |
| Pretax return on assets | 0.7877% | 4,322 |
| Return on Equity (ROE) | 5.3283% | 4,346 |
| Retained earnings to average equity (ytd only) | 5.0455% | 2,680 |
| Net charge-offs to loans | 0.0987% | 1,636 |
| Credit loss provision to net charge-offs | 40.2299% | 2,645 |
| Earnings coverage of net charge-offs (x) | 10.0690% | 2,372 |
| Efficiency ratio | 79.2614% | 1,298 |
| Assets per employee ($millions) | 3.4381% | 4,811 |
| Cash dividends to net income (ytd only)* | 5.3082% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 3,044 |
| Loan loss allowance to noncurrent loans | 206.4706% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.6558% | 2,582 |
| Noncurrent loans to loans | 0.5789% | 2,998 |
| Net loans and leases to total assets | 81.6667% | 716 |
| Net loans and leases to deposits | 93.8691% | 1,278 |
| Net loans and leases to core deposits | 104.0090% | 1,350 |
| Total domestic deposits to total assets | 87.0006% | 1,958 |
| Equity capital to assets | 10.4300% | 3,430 |
| Core capital (leverage) ratio | 10.2656% | 3,181 |
| Tier 1 risk-based capital ratio | 13.3566% | 3,770 |
| Total risk-based capital ratio | 14.6106% | 3,693 |
| Memoranda: | ||
| Average total assets | $213,522,000 | 2,819 |
| Average earning assets | $198,204,330 | 2,823 |
| Average equity | $21,920,670 | 2,981 |
| Average total loans | $176,283,330 | 2,376 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3380% | 1,856 |
| Cost of funding earning assets | 0.5944% | 1,414 |
| Net interest margin | 3.7436% | 2,336 |
| Noninterest income to average assets | 0.4455% | 3,338 |
| Noninterest expense to average assets | 3.0416% | 2,047 |
| Loan and lease loss provision to assets | 0.0655% | 2,489 |
| Net operating income to assets | 0.5653% | 4,305 |
| Return on assets (ROA) | 0.5653% | 4,351 |
| Pretax return on assets | 0.8161% | 4,051 |
| Return on Equity (ROE) | 5.5503% | 4,118 |
| Retained earnings to average equity (ytd only) | 5.5503% | 2,568 |
| Net charge-offs to loans | 0.0091% | 2,658 |
| Credit loss provision to net charge-offs | 875.0000% | 362 |
| Earnings coverage of net charge-offs (x) | 117.7500% | 464 |
| Efficiency ratio | 77.5286% | 1,696 |
| Assets per employee ($millions) | 3.5991% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 2,934 |
| Loan loss allowance to noncurrent loans | 218.2453% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.6256% | 2,756 |
| Noncurrent loans to loans | 0.5642% | 3,115 |
| Net loans and leases to total assets | 81.3150% | 653 |
| Net loans and leases to deposits | 93.2384% | 1,194 |
| Net loans and leases to core deposits | 103.3295% | 1,265 |
| Total domestic deposits to total assets | 87.2119% | 2,106 |
| Equity capital to assets | 10.1573% | 3,563 |
| Core capital (leverage) ratio | 10.3014% | 3,105 |
| Tier 1 risk-based capital ratio | 13.0574% | 4,043 |
| Total risk-based capital ratio | 14.3084% | 3,949 |
| Memoranda: | ||
| Average total assets | $213,701,000 | 2,842 |
| Average earning assets | $198,523,500 | 2,840 |
| Average equity | $21,764,500 | 3,003 |
| Average total loans | $176,330,000 | 2,394 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4443% | 1,701 |
| Cost of funding earning assets | 0.5683% | 1,554 |
| Net interest margin | 3.8760% | 2,043 |
| Noninterest income to average assets | 0.3989% | 3,892 |
| Noninterest expense to average assets | 3.0034% | 2,343 |
| Loan and lease loss provision to assets | 0.2509% | 837 |
| Net operating income to assets | 0.5223% | 4,541 |
| Return on assets (ROA) | 0.5223% | 4,628 |
| Pretax return on assets | 0.7384% | 4,375 |
| Return on Equity (ROE) | 5.0786% | 4,394 |
| Retained earnings to average equity (ytd only) | 5.0786% | 2,298 |
| Net charge-offs to loans | 0.1450% | 1,812 |
| Credit loss provision to net charge-offs | 207.6271% | 1,370 |
| Earnings coverage of net charge-offs (x) | 8.1864% | 2,906 |
| Efficiency ratio | 75.2212% | 2,107 |
| Assets per employee ($millions) | 3.7098% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 2,914 |
| Loan loss allowance to noncurrent loans | 444.9485% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.3982% | 3,678 |
| Noncurrent loans to loans | 0.2773% | 4,165 |
| Net loans and leases to total assets | 81.6797% | 645 |
| Net loans and leases to deposits | 93.7264% | 1,225 |
| Net loans and leases to core deposits | 102.1933% | 1,437 |
| Total domestic deposits to total assets | 87.1469% | 2,059 |
| Equity capital to assets | 10.2124% | 3,478 |
| Core capital (leverage) ratio | 10.1452% | 3,311 |
| Tier 1 risk-based capital ratio | 12.9487% | 4,106 |
| Total risk-based capital ratio | 14.2028% | 4,008 |
| Memoranda: | ||
| Average total assets | $195,276,400 | 3,006 |
| Average earning assets | $181,064,400 | 3,003 |
| Average equity | $20,084,200 | 3,162 |
| Average total loans | $162,720,200 | 2,490 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4479% | 1,709 |
| Cost of funding earning assets | 0.5582% | 1,622 |
| Net interest margin | 3.8897% | 2,011 |
| Noninterest income to average assets | 0.4386% | 3,644 |
| Noninterest expense to average assets | 3.0685% | 2,103 |
| Loan and lease loss provision to assets | 0.2371% | 817 |
| Net operating income to assets | 0.5194% | 4,622 |
| Return on assets (ROA) | 0.5194% | 4,724 |
| Pretax return on assets | 0.7377% | 4,506 |
| Return on Equity (ROE) | 5.0405% | 4,499 |
| Retained earnings to average equity (ytd only) | 5.0405% | 2,800 |
| Net charge-offs to loans | 0.0192% | 3,323 |
| Credit loss provision to net charge-offs | 1,478.2609% | 313 |
| Earnings coverage of net charge-offs (x) | 60.7744% | 946 |
| Efficiency ratio | 75.8924% | 1,986 |
| Assets per employee ($millions) | 3.9061% | 4,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 2,699 |
| Loan loss allowance to noncurrent loans | 332.4850% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.3971% | 3,837 |
| Noncurrent loans to loans | 0.3905% | 3,864 |
| Net loans and leases to total assets | 81.5626% | 679 |
| Net loans and leases to deposits | 93.0187% | 1,367 |
| Net loans and leases to core deposits | 100.7705% | 1,563 |
| Total domestic deposits to total assets | 87.6841% | 1,564 |
| Equity capital to assets | 9.6940% | 4,470 |
| Core capital (leverage) ratio | 9.8610% | 3,740 |
| Tier 1 risk-based capital ratio | 12.2712% | 4,626 |
| Total risk-based capital ratio | 13.5257% | 4,524 |
| Memoranda: | ||
| Average total assets | $191,230,750 | 3,061 |
| Average earning assets | $177,217,750 | 3,050 |
| Average equity | $19,706,500 | 3,222 |
| Average total loans | $159,681,000 | 2,529 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4714% | 1,600 |
| Cost of funding earning assets | 0.5405% | 1,775 |
| Net interest margin | 3.9309% | 1,877 |
| Noninterest income to average assets | 0.4452% | 3,557 |
| Noninterest expense to average assets | 3.1006% | 2,064 |
| Loan and lease loss provision to assets | 0.2043% | 1,048 |
| Net operating income to assets | 0.5345% | 4,544 |
| Return on assets (ROA) | 0.5345% | 4,653 |
| Pretax return on assets | 0.7776% | 4,363 |
| Return on Equity (ROE) | 5.0751% | 4,481 |
| Retained earnings to average equity (ytd only) | 5.0751% | 2,681 |
| Net charge-offs to loans | 0.0077% | 3,422 |
| Credit loss provision to net charge-offs | 3,166.6667% | 135 |
| Earnings coverage of net charge-offs (x) | 152.1667% | 409 |
| Efficiency ratio | 75.9484% | 2,089 |
| Assets per employee ($millions) | 3.4185% | 4,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 2,850 |
| Loan loss allowance to noncurrent loans | 324.7278% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.4163% | 3,838 |
| Noncurrent loans to loans | 0.3969% | 3,939 |
| Net loans and leases to total assets | 83.5330% | 462 |
| Net loans and leases to deposits | 96.7826% | 988 |
| Net loans and leases to core deposits | 106.2799% | 1,160 |
| Total domestic deposits to total assets | 86.3099% | 2,262 |
| Equity capital to assets | 10.3616% | 3,775 |
| Core capital (leverage) ratio | 10.2795% | 3,228 |
| Tier 1 risk-based capital ratio | 12.8005% | 4,316 |
| Total risk-based capital ratio | 14.0518% | 4,226 |
| Memoranda: | ||
| Average total assets | $185,966,000 | 3,123 |
| Average earning assets | $172,073,000 | 3,116 |
| Average equity | $19,585,670 | 3,243 |
| Average total loans | $155,882,670 | 2,579 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4874% | 1,546 |
| Cost of funding earning assets | 0.5220% | 1,927 |
| Net interest margin | 3.9654% | 1,728 |
| Noninterest income to average assets | 0.4868% | 3,217 |
| Noninterest expense to average assets | 3.1392% | 1,990 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7008% | 3,706 |
| Return on assets (ROA) | 0.7008% | 3,822 |
| Pretax return on assets | 1.0129% | 3,431 |
| Return on Equity (ROE) | 6.5980% | 3,674 |
| Retained earnings to average equity (ytd only) | 6.5980% | 2,085 |
| Net charge-offs to loans | -0.2539% | 5,904 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6046% | 2,231 |
| Assets per employee ($millions) | 3.3264% | 5,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 2,937 |
| Loan loss allowance to noncurrent loans | 464.2691% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 4,314 |
| Noncurrent loans to loans | 0.2787% | 4,434 |
| Net loans and leases to total assets | 81.9307% | 560 |
| Net loans and leases to deposits | 95.7765% | 962 |
| Net loans and leases to core deposits | 104.2750% | 1,173 |
| Total domestic deposits to total assets | 85.5436% | 2,892 |
| Equity capital to assets | 10.5579% | 3,419 |
| Core capital (leverage) ratio | 10.6032% | 2,846 |
| Tier 1 risk-based capital ratio | 13.1129% | 4,188 |
| Total risk-based capital ratio | 14.3646% | 4,108 |
| Memoranda: | ||
| Average total assets | $183,230,500 | 3,171 |
| Average earning assets | $169,364,500 | 3,163 |
| Average equity | $19,460,500 | 3,260 |
| Average total loans | $152,823,500 | 2,609 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4374% | 1,780 |
| Cost of funding earning assets | 0.6021% | 1,346 |
| Net interest margin | 3.8354% | 2,257 |
| Noninterest income to average assets | 0.4928% | 3,372 |
| Noninterest expense to average assets | 3.1393% | 2,120 |
| Loan and lease loss provision to assets | 0.2372% | 813 |
| Net operating income to assets | 0.4587% | 4,848 |
| Return on assets (ROA) | 0.4558% | 4,946 |
| Pretax return on assets | 0.6461% | 4,685 |
| Return on Equity (ROE) | 3.8888% | 4,994 |
| Retained earnings to average equity (ytd only) | 3.7753% | 3,354 |
| Net charge-offs to loans | 0.3213% | 930 |
| Credit loss provision to net charge-offs | 90.7080% | 2,749 |
| Earnings coverage of net charge-offs (x) | 3.3938% | 3,737 |
| Efficiency ratio | 77.9629% | 1,976 |
| Assets per employee ($millions) | 3.2760% | 5,183 |
| Cash dividends to net income (ytd only)* | 2.9188% | 4,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 3,112 |
| Loan loss allowance to noncurrent loans | 368.7984% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 4,107 |
| Noncurrent loans to loans | 0.3417% | 4,237 |
| Net loans and leases to total assets | 82.7640% | 514 |
| Net loans and leases to deposits | 97.0752% | 900 |
| Net loans and leases to core deposits | 106.6039% | 1,072 |
| Total domestic deposits to total assets | 85.2576% | 2,966 |
| Equity capital to assets | 10.6843% | 3,152 |
| Core capital (leverage) ratio | 10.6769% | 2,736 |
| Tier 1 risk-based capital ratio | 13.3132% | 4,095 |
| Total risk-based capital ratio | 14.5660% | 4,041 |
| Memoranda: | ||
| Average total assets | $172,874,400 | 3,261 |
| Average earning assets | $159,281,000 | 3,263 |
| Average equity | $20,263,200 | 3,145 |
| Average total loans | $140,667,600 | 2,716 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4288% | 1,816 |
| Cost of funding earning assets | 0.6334% | 1,188 |
| Net interest margin | 3.7954% | 2,404 |
| Noninterest income to average assets | 0.4677% | 3,586 |
| Noninterest expense to average assets | 3.1507% | 2,082 |
| Loan and lease loss provision to assets | 0.1637% | 1,301 |
| Net operating income to assets | 0.4575% | 4,943 |
| Return on assets (ROA) | 0.4537% | 5,050 |
| Pretax return on assets | 0.6415% | 4,860 |
| Return on Equity (ROE) | 3.7823% | 5,110 |
| Retained earnings to average equity (ytd only) | 3.6393% | 3,878 |
| Net charge-offs to loans | -0.0145% | 5,099 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5356% | 1,724 |
| Assets per employee ($millions) | 3.7084% | 4,430 |
| Cash dividends to net income (ytd only)* | 3.7797% | 3,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 2,158 |
| Loan loss allowance to noncurrent loans | 220.5285% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.7866% | 2,922 |
| Noncurrent loans to loans | 0.6806% | 3,281 |
| Net loans and leases to total assets | 81.7080% | 614 |
| Net loans and leases to deposits | 93.9456% | 1,211 |
| Net loans and leases to core deposits | 105.3740% | 1,143 |
| Total domestic deposits to total assets | 86.9738% | 2,056 |
| Equity capital to assets | 11.0789% | 2,926 |
| Core capital (leverage) ratio | 10.9111% | 2,583 |
| Tier 1 risk-based capital ratio | 13.9178% | 3,896 |
| Total risk-based capital ratio | 15.1744% | 3,831 |
| Memoranda: | ||
| Average total assets | $171,047,750 | 3,314 |
| Average earning assets | $157,450,750 | 3,323 |
| Average equity | $20,516,250 | 3,148 |
| Average total loans | $138,077,500 | 2,766 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4149% | 1,806 |
| Cost of funding earning assets | 0.6759% | 961 |
| Net interest margin | 3.7390% | 2,546 |
| Noninterest income to average assets | 0.4860% | 3,463 |
| Noninterest expense to average assets | 3.1324% | 2,161 |
| Loan and lease loss provision to assets | 0.1177% | 1,886 |
| Net operating income to assets | 0.4765% | 4,862 |
| Return on assets (ROA) | 0.4707% | 4,985 |
| Pretax return on assets | 0.6648% | 4,775 |
| Return on Equity (ROE) | 3.8244% | 5,085 |
| Retained earnings to average equity (ytd only) | 3.6427% | 3,705 |
| Net charge-offs to loans | 0.0235% | 3,197 |
| Credit loss provision to net charge-offs | 625.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 1,094 |
| Efficiency ratio | 79.8440% | 1,785 |
| Assets per employee ($millions) | 3.3380% | 5,093 |
| Cash dividends to net income (ytd only)* | 4.7500% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 2,438 |
| Loan loss allowance to noncurrent loans | 296.2044% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.6579% | 3,428 |
| Noncurrent loans to loans | 0.4940% | 3,989 |
| Net loans and leases to total assets | 80.2662% | 767 |
| Net loans and leases to deposits | 92.4562% | 1,324 |
| Net loans and leases to core deposits | 104.0107% | 1,186 |
| Total domestic deposits to total assets | 86.8154% | 2,260 |
| Equity capital to assets | 11.2044% | 2,669 |
| Core capital (leverage) ratio | 10.7343% | 2,694 |
| Tier 1 risk-based capital ratio | 14.2222% | 3,804 |
| Total risk-based capital ratio | 15.4787% | 3,727 |
| Memoranda: | ||
| Average total assets | $169,965,330 | 3,347 |
| Average earning assets | $156,244,330 | 3,357 |
| Average equity | $20,918,330 | 3,118 |
| Average total loans | $135,909,000 | 2,814 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4324% | 1,654 |
| Cost of funding earning assets | 0.7315% | 725 |
| Net interest margin | 3.7010% | 2,615 |
| Noninterest income to average assets | 0.5017% | 3,275 |
| Noninterest expense to average assets | 3.1773% | 2,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5087% | 4,640 |
| Return on assets (ROA) | 0.5087% | 4,760 |
| Pretax return on assets | 0.7207% | 4,535 |
| Return on Equity (ROE) | 3.9560% | 4,998 |
| Retained earnings to average equity (ytd only) | 3.7728% | 3,744 |
| Net charge-offs to loans | -0.0119% | 4,797 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5106% | 1,682 |
| Assets per employee ($millions) | 3.5235% | 4,855 |
| Cash dividends to net income (ytd only)* | 4.6296% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4611% | 2,614 |
| Loan loss allowance to noncurrent loans | 482.4257% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.6499% | 3,555 |
| Noncurrent loans to loans | 0.3029% | 4,703 |
| Net loans and leases to total assets | 76.1339% | 1,190 |
| Net loans and leases to deposits | 89.1879% | 1,483 |
| Net loans and leases to core deposits | 101.3267% | 1,234 |
| Total domestic deposits to total assets | 85.3635% | 3,240 |
| Equity capital to assets | 12.7286% | 1,551 |
| Core capital (leverage) ratio | 12.6305% | 1,303 |
| Tier 1 risk-based capital ratio | 17.0902% | 2,445 |
| Total risk-based capital ratio | 18.3435% | 2,404 |
| Memoranda: | ||
| Average total assets | $169,830,000 | 3,368 |
| Average earning assets | $155,851,500 | 3,381 |
| Average equity | $21,840,500 | 3,035 |
| Average total loans | $134,528,000 | 2,838 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6650% | 1,382 |
| Cost of funding earning assets | 0.8396% | 541 |
| Net interest margin | 3.8255% | 2,527 |
| Noninterest income to average assets | 0.4513% | 3,818 |
| Noninterest expense to average assets | 3.2014% | 2,213 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5189% | 4,736 |
| Return on assets (ROA) | 0.5189% | 4,824 |
| Pretax return on assets | 0.7350% | 4,493 |
| Return on Equity (ROE) | 3.9955% | 5,118 |
| Retained earnings to average equity (ytd only) | 3.4562% | 3,748 |
| Net charge-offs to loans | 0.0470% | 3,887 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 19.7869% | 1,758 |
| Efficiency ratio | 81.3274% | 1,731 |
| Assets per employee ($millions) | 3.3402% | 5,198 |
| Cash dividends to net income (ytd only)* | 13.4977% | 4,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 2,781 |
| Loan loss allowance to noncurrent loans | 666.0959% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.6311% | 3,684 |
| Noncurrent loans to loans | 0.2152% | 5,046 |
| Net loans and leases to total assets | 80.0651% | 734 |
| Net loans and leases to deposits | 93.5869% | 1,121 |
| Net loans and leases to core deposits | 103.4369% | 1,157 |
| Total domestic deposits to total assets | 85.5517% | 3,052 |
| Equity capital to assets | 12.9963% | 1,375 |
| Core capital (leverage) ratio | 12.5732% | 1,319 |
| Tier 1 risk-based capital ratio | 16.1669% | 2,877 |
| Total risk-based capital ratio | 17.4196% | 2,821 |
| Memoranda: | ||
| Average total assets | $164,208,800 | 3,425 |
| Average earning assets | $149,602,400 | 3,448 |
| Average equity | $21,324,000 | 3,016 |
| Average total loans | $129,766,400 | 2,875 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6947% | 1,323 |
| Cost of funding earning assets | 0.8574% | 525 |
| Net interest margin | 3.8373% | 2,487 |
| Noninterest income to average assets | 0.4844% | 3,657 |
| Noninterest expense to average assets | 3.2544% | 2,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5178% | 4,814 |
| Return on assets (ROA) | 0.5178% | 4,875 |
| Pretax return on assets | 0.7225% | 4,622 |
| Return on Equity (ROE) | 3.9882% | 5,179 |
| Retained earnings to average equity (ytd only) | 3.7998% | 3,951 |
| Net charge-offs to loans | -0.0333% | 5,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8331% | 1,643 |
| Assets per employee ($millions) | 3.3944% | 5,057 |
| Cash dividends to net income (ytd only)* | 4.7245% | 3,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5517% | 2,496 |
| Loan loss allowance to noncurrent loans | 405.1690% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.8321% | 3,338 |
| Noncurrent loans to loans | 0.3830% | 4,766 |
| Net loans and leases to total assets | 77.7388% | 985 |
| Net loans and leases to deposits | 90.8069% | 1,352 |
| Net loans and leases to core deposits | 100.5842% | 1,319 |
| Total domestic deposits to total assets | 85.6089% | 3,069 |
| Equity capital to assets | 12.9505% | 1,457 |
| Core capital (leverage) ratio | 12.6578% | 1,327 |
| Tier 1 risk-based capital ratio | 16.2773% | 2,922 |
| Total risk-based capital ratio | 17.5314% | 2,870 |
| Memoranda: | ||
| Average total assets | $163,508,750 | 3,464 |
| Average earning assets | $148,816,750 | 3,493 |
| Average equity | $21,228,750 | 3,033 |
| Average total loans | $128,292,750 | 2,907 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7499% | 1,177 |
| Cost of funding earning assets | 0.8614% | 527 |
| Net interest margin | 3.8885% | 2,217 |
| Noninterest income to average assets | 0.4859% | 3,589 |
| Noninterest expense to average assets | 3.2208% | 2,126 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5659% | 4,518 |
| Return on assets (ROA) | 0.5659% | 4,622 |
| Pretax return on assets | 0.7972% | 4,276 |
| Return on Equity (ROE) | 4.3550% | 4,995 |
| Retained earnings to average equity (ytd only) | 4.1657% | 3,521 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1592% | 2,004 |
| Assets per employee ($millions) | 3.2532% | 5,334 |
| Cash dividends to net income (ytd only)* | 4.3478% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 2,694 |
| Loan loss allowance to noncurrent loans | 482.2115% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.8035% | 3,555 |
| Noncurrent loans to loans | 0.3203% | 5,049 |
| Net loans and leases to total assets | 78.6032% | 840 |
| Net loans and leases to deposits | 91.5461% | 1,209 |
| Net loans and leases to core deposits | 101.4408% | 1,177 |
| Total domestic deposits to total assets | 85.8619% | 3,112 |
| Equity capital to assets | 13.1428% | 1,297 |
| Core capital (leverage) ratio | 12.5096% | 1,384 |
| Tier 1 risk-based capital ratio | 16.5150% | 2,821 |
| Total risk-based capital ratio | 17.7699% | 2,786 |
| Memoranda: | ||
| Average total assets | $162,570,000 | 3,500 |
| Average earning assets | $147,665,000 | 3,524 |
| Average equity | $21,125,000 | 3,040 |
| Average total loans | $127,278,000 | 2,918 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8793% | 901 |
| Cost of funding earning assets | 0.8778% | 511 |
| Net interest margin | 4.0015% | 1,754 |
| Noninterest income to average assets | 0.4996% | 3,412 |
| Noninterest expense to average assets | 3.1577% | 2,355 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6867% | 3,754 |
| Return on assets (ROA) | 0.6867% | 3,831 |
| Pretax return on assets | 0.9771% | 3,418 |
| Return on Equity (ROE) | 5.3147% | 4,380 |
| Retained earnings to average equity (ytd only) | 5.1242% | 3,042 |
| Net charge-offs to loans | 0.0349% | 2,902 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 36.0909% | 936 |
| Efficiency ratio | 76.3690% | 2,741 |
| Assets per employee ($millions) | 3.6742% | 4,576 |
| Cash dividends to net income (ytd only)* | 3.5842% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5907% | 2,748 |
| Loan loss allowance to noncurrent loans | 515.5039% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.8480% | 3,605 |
| Noncurrent loans to loans | 0.3086% | 5,181 |
| Net loans and leases to total assets | 74.6489% | 1,166 |
| Net loans and leases to deposits | 86.9721% | 1,470 |
| Net loans and leases to core deposits | 96.2048% | 1,371 |
| Total domestic deposits to total assets | 85.8308% | 3,443 |
| Equity capital to assets | 12.7926% | 1,402 |
| Core capital (leverage) ratio | 12.4216% | 1,421 |
| Tier 1 risk-based capital ratio | 16.3284% | 2,992 |
| Total risk-based capital ratio | 17.5824% | 2,952 |
| Memoranda: | ||
| Average total assets | $162,525,000 | 3,521 |
| Average earning assets | $147,644,000 | 3,550 |
| Average equity | $20,998,500 | 3,056 |
| Average total loans | $125,986,000 | 2,947 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7993% | 1,317 |
| Cost of funding earning assets | 1.0146% | 413 |
| Net interest margin | 3.7847% | 2,709 |
| Noninterest income to average assets | -0.0130% | 6,676 |
| Noninterest expense to average assets | 3.3532% | 1,988 |
| Loan and lease loss provision to assets | 0.5016% | 557 |
| Net operating income to assets | -0.2663% | 6,398 |
| Return on assets (ROA) | -0.2663% | 6,417 |
| Pretax return on assets | -0.4588% | 6,472 |
| Return on Equity (ROE) | -2.0629% | 6,385 |
| Retained earnings to average equity (ytd only) | -2.3274% | 6,204 |
| Net charge-offs to loans | 0.7664% | 824 |
| Credit loss provision to net charge-offs | 82.6176% | 2,971 |
| Earnings coverage of net charge-offs (x) | 0.0706% | 5,067 |
| Efficiency ratio | 98.7386% | 524 |
| Assets per employee ($millions) | 3.3981% | 5,093 |
| Cash dividends to net income (ytd only)* | -12.8205% | 6,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5851% | 2,817 |
| Loan loss allowance to noncurrent loans | 77.7218% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 2.2353% | 1,589 |
| Noncurrent loans to loans | 2.0394% | 1,949 |
| Net loans and leases to total assets | 77.9829% | 829 |
| Net loans and leases to deposits | 93.7276% | 899 |
| Net loans and leases to core deposits | 98.2224% | 1,290 |
| Total domestic deposits to total assets | 83.2016% | 4,471 |
| Equity capital to assets | 13.0522% | 1,255 |
| Core capital (leverage) ratio | 12.3247% | 1,438 |
| Tier 1 risk-based capital ratio | 15.8131% | 3,194 |
| Total risk-based capital ratio | 17.0680% | 3,146 |
| Memoranda: | ||
| Average total assets | $161,071,000 | 3,545 |
| Average earning assets | $145,084,400 | 3,586 |
| Average equity | $20,795,600 | 3,070 |
| Average total loans | $127,617,400 | 2,894 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8384% | 1,268 |
| Cost of funding earning assets | 1.0366% | 414 |
| Net interest margin | 3.8018% | 2,634 |
| Noninterest income to average assets | -0.1834% | 6,831 |
| Noninterest expense to average assets | 3.3735% | 1,883 |
| Loan and lease loss provision to assets | 0.7575% | 275 |
| Net operating income to assets | -0.5526% | 6,622 |
| Return on assets (ROA) | -0.5526% | 6,631 |
| Pretax return on assets | -0.8971% | 6,681 |
| Return on Equity (ROE) | -4.2919% | 6,583 |
| Retained earnings to average equity (ytd only) | -4.4843% | 6,468 |
| Net charge-offs to loans | 0.8278% | 708 |
| Credit loss provision to net charge-offs | 115.4912% | 2,038 |
| Earnings coverage of net charge-offs (x) | -0.2128% | 4,913 |
| Efficiency ratio | 104.3167% | 360 |
| Assets per employee ($millions) | 3.3520% | 5,181 |
| Cash dividends to net income (ytd only)* | -4.4844% | 6,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8342% | 2,196 |
| Loan loss allowance to noncurrent loans | 88.5252% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 2.3239% | 1,699 |
| Noncurrent loans to loans | 2.0720% | 2,165 |
| Net loans and leases to total assets | 76.4724% | 943 |
| Net loans and leases to deposits | 89.8542% | 1,183 |
| Net loans and leases to core deposits | 94.5902% | 1,515 |
| Total domestic deposits to total assets | 85.1071% | 3,683 |
| Equity capital to assets | 12.8449% | 1,395 |
| Core capital (leverage) ratio | 12.2864% | 1,527 |
| Tier 1 risk-based capital ratio | 15.4645% | 3,486 |
| Total risk-based capital ratio | 16.7215% | 3,439 |
| Memoranda: | ||
| Average total assets | $161,410,750 | 3,575 |
| Average earning assets | $145,086,750 | 3,623 |
| Average equity | $20,783,000 | 3,099 |
| Average total loans | $127,883,250 | 2,913 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9202% | 1,049 |
| Cost of funding earning assets | 1.0574% | 413 |
| Net interest margin | 3.8628% | 2,336 |
| Noninterest income to average assets | -0.5496% | 6,912 |
| Noninterest expense to average assets | 3.4014% | 1,816 |
| Loan and lease loss provision to assets | 1.1350% | 148 |
| Net operating income to assets | -1.0323% | 6,759 |
| Return on assets (ROA) | -1.0323% | 6,763 |
| Pretax return on assets | -1.6178% | 6,816 |
| Return on Equity (ROE) | -8.0109% | 6,707 |
| Retained earnings to average equity (ytd only) | -8.2030% | 6,618 |
| Net charge-offs to loans | 1.1357% | 521 |
| Credit loss provision to net charge-offs | 125.4446% | 1,795 |
| Earnings coverage of net charge-offs (x) | -0.5335% | 4,667 |
| Efficiency ratio | 116.5394% | 209 |
| Assets per employee ($millions) | 3.5049% | 4,840 |
| Cash dividends to net income (ytd only)* | -2.3981% | 6,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9093% | 2,089 |
| Loan loss allowance to noncurrent loans | 83.9972% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 2.3694% | 1,808 |
| Noncurrent loans to loans | 2.2731% | 2,090 |
| Net loans and leases to total assets | 75.2667% | 1,074 |
| Net loans and leases to deposits | 87.6431% | 1,387 |
| Net loans and leases to core deposits | 92.1943% | 1,690 |
| Total domestic deposits to total assets | 85.8787% | 3,432 |
| Equity capital to assets | 12.7177% | 1,463 |
| Core capital (leverage) ratio | 11.9592% | 1,636 |
| Tier 1 risk-based capital ratio | 15.4530% | 3,507 |
| Total risk-based capital ratio | 16.7112% | 3,461 |
| Memoranda: | ||
| Average total assets | $161,582,330 | 3,587 |
| Average earning assets | $145,076,000 | 3,645 |
| Average equity | $20,821,670 | 3,109 |
| Average total loans | $128,731,000 | 2,906 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9865% | 913 |
| Cost of funding earning assets | 1.0646% | 443 |
| Net interest margin | 3.9219% | 2,045 |
| Noninterest income to average assets | -1.9510% | 7,014 |
| Noninterest expense to average assets | 3.3951% | 1,845 |
| Loan and lease loss provision to assets | 2.2428% | 48 |
| Net operating income to assets | -2.6483% | 6,949 |
| Return on assets (ROA) | -2.6483% | 6,950 |
| Pretax return on assets | -4.0727% | 6,983 |
| Return on Equity (ROE) | -20.4190% | 6,899 |
| Retained earnings to average equity (ytd only) | -20.6096% | 6,835 |
| Net charge-offs to loans | 1.9415% | 245 |
| Credit loss provision to net charge-offs | 142.3862% | 1,418 |
| Earnings coverage of net charge-offs (x) | -1.1617% | 3,977 |
| Efficiency ratio | 216.9036% | 26 |
| Assets per employee ($millions) | 3.4250% | 5,149 |
| Cash dividends to net income (ytd only)* | -0.9337% | 6,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8798% | 2,367 |
| Loan loss allowance to noncurrent loans | 80.8061% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 3.1955% | 1,368 |
| Noncurrent loans to loans | 2.3263% | 2,251 |
| Net loans and leases to total assets | 79.3113% | 493 |
| Net loans and leases to deposits | 92.3086% | 775 |
| Net loans and leases to core deposits | 98.3083% | 1,057 |
| Total domestic deposits to total assets | 85.9197% | 3,571 |
| Equity capital to assets | 12.6894% | 1,598 |
| Core capital (leverage) ratio | 11.7048% | 1,744 |
| Tier 1 risk-based capital ratio | 14.5022% | 4,175 |
| Total risk-based capital ratio | 15.7604% | 4,136 |
| Memoranda: | ||
| Average total assets | $161,761,500 | 3,618 |
| Average earning assets | $145,030,500 | 3,676 |
| Average equity | $20,980,500 | 3,132 |
| Average total loans | $131,241,500 | 2,876 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4363% | 706 |
| Cost of funding earning assets | 1.2037% | 567 |
| Net interest margin | 4.2326% | 1,570 |
| Noninterest income to average assets | 0.2875% | 5,409 |
| Noninterest expense to average assets | 3.8856% | 1,114 |
| Loan and lease loss provision to assets | 1.0197% | 394 |
| Net operating income to assets | -0.4987% | 6,566 |
| Return on assets (ROA) | -0.4987% | 6,606 |
| Pretax return on assets | -0.8203% | 6,680 |
| Return on Equity (ROE) | -3.5820% | 6,527 |
| Retained earnings to average equity (ytd only) | -4.3716% | 6,391 |
| Net charge-offs to loans | 1.6504% | 509 |
| Credit loss provision to net charge-offs | 77.0530% | 3,925 |
| Earnings coverage of net charge-offs (x) | 0.1506% | 5,417 |
| Efficiency ratio | 95.1201% | 743 |
| Assets per employee ($millions) | 3.6942% | 4,578 |
| Cash dividends to net income (ytd only)* | -22.0423% | 7,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6440% | 3,135 |
| Loan loss allowance to noncurrent loans | 56.3731% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 3.9238% | 1,107 |
| Noncurrent loans to loans | 2.9162% | 1,793 |
| Net loans and leases to total assets | 80.0930% | 465 |
| Net loans and leases to deposits | 93.9050% | 755 |
| Net loans and leases to core deposits | 99.2347% | 1,066 |
| Total domestic deposits to total assets | 85.2915% | 3,714 |
| Equity capital to assets | 13.2479% | 1,331 |
| Core capital (leverage) ratio | 12.5969% | 1,286 |
| Tier 1 risk-based capital ratio | 15.4192% | 3,475 |
| Total risk-based capital ratio | 16.6742% | 3,435 |
| Memoranda: | ||
| Average total assets | $161,030,000 | 3,611 |
| Average earning assets | $144,473,800 | 3,653 |
| Average equity | $22,417,600 | 2,926 |
| Average total loans | $129,117,800 | 2,899 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4325% | 780 |
| Cost of funding earning assets | 1.2254% | 619 |
| Net interest margin | 4.2071% | 1,716 |
| Noninterest income to average assets | 0.4764% | 4,093 |
| Noninterest expense to average assets | 3.6359% | 1,485 |
| Loan and lease loss provision to assets | 0.4971% | 1,234 |
| Net operating income to assets | 0.1179% | 6,095 |
| Return on assets (ROA) | 0.1179% | 6,231 |
| Pretax return on assets | 0.1187% | 6,243 |
| Return on Equity (ROE) | 0.8363% | 6,278 |
| Retained earnings to average equity (ytd only) | -0.0471% | 6,087 |
| Net charge-offs to loans | 0.7991% | 1,376 |
| Credit loss provision to net charge-offs | 77.8934% | 3,680 |
| Earnings coverage of net charge-offs (x) | 0.9649% | 4,837 |
| Efficiency ratio | 85.5163% | 1,429 |
| Assets per employee ($millions) | 3.2760% | 5,488 |
| Cash dividends to net income (ytd only)* | 105.6357% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9028% | 2,468 |
| Loan loss allowance to noncurrent loans | 41.1106% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 5.1569% | 851 |
| Noncurrent loans to loans | 4.6285% | 1,007 |
| Net loans and leases to total assets | 78.5280% | 671 |
| Net loans and leases to deposits | 92.5468% | 913 |
| Net loans and leases to core deposits | 97.5874% | 1,296 |
| Total domestic deposits to total assets | 84.8522% | 3,813 |
| Equity capital to assets | 13.7742% | 1,244 |
| Core capital (leverage) ratio | 13.6943% | 946 |
| Tier 1 risk-based capital ratio | 16.5379% | 2,975 |
| Total risk-based capital ratio | 17.7958% | 2,944 |
| Memoranda: | ||
| Average total assets | $160,651,000 | 3,643 |
| Average earning assets | $144,165,750 | 3,687 |
| Average equity | $22,638,500 | 2,917 |
| Average total loans | $128,306,250 | 2,951 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4469% | 803 |
| Cost of funding earning assets | 1.2533% | 637 |
| Net interest margin | 4.1935% | 1,770 |
| Noninterest income to average assets | 0.4724% | 4,115 |
| Noninterest expense to average assets | 3.6190% | 1,541 |
| Loan and lease loss provision to assets | 0.2068% | 3,004 |
| Net operating income to assets | 0.3195% | 5,547 |
| Return on assets (ROA) | 0.3195% | 5,752 |
| Pretax return on assets | 0.4160% | 5,669 |
| Return on Equity (ROE) | 2.2503% | 5,967 |
| Retained earnings to average equity (ytd only) | 1.3678% | 5,508 |
| Net charge-offs to loans | -0.0283% | 6,513 |
| Credit loss provision to net charge-offs | -916.6667% | 6,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3176% | 1,497 |
| Assets per employee ($millions) | 3.0008% | 6,069 |
| Cash dividends to net income (ytd only)* | 39.2157% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2123% | 1,741 |
| Loan loss allowance to noncurrent loans | 45.6557% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 5.5602% | 796 |
| Noncurrent loans to loans | 4.8455% | 1,049 |
| Net loans and leases to total assets | 79.1551% | 601 |
| Net loans and leases to deposits | 93.8819% | 782 |
| Net loans and leases to core deposits | 97.1718% | 1,334 |
| Total domestic deposits to total assets | 84.3135% | 4,186 |
| Equity capital to assets | 14.2869% | 980 |
| Core capital (leverage) ratio | 14.0259% | 795 |
| Tier 1 risk-based capital ratio | 16.9616% | 2,685 |
| Total risk-based capital ratio | 18.2232% | 2,639 |
| Memoranda: | ||
| Average total assets | $159,601,670 | 3,671 |
| Average earning assets | $143,458,670 | 3,726 |
| Average equity | $22,664,000 | 2,893 |
| Average total loans | $127,367,330 | 2,974 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4615% | 807 |
| Cost of funding earning assets | 1.2826% | 679 |
| Net interest margin | 4.1789% | 1,822 |
| Noninterest income to average assets | 0.5004% | 3,907 |
| Noninterest expense to average assets | 3.4701% | 1,824 |
| Loan and lease loss provision to assets | 0.3503% | 1,786 |
| Net operating income to assets | 0.3377% | 5,524 |
| Return on assets (ROA) | 0.3377% | 5,699 |
| Pretax return on assets | 0.4378% | 5,622 |
| Return on Equity (ROE) | 2.3857% | 5,948 |
| Retained earnings to average equity (ytd only) | 1.5021% | 5,489 |
| Net charge-offs to loans | 0.1452% | 3,228 |
| Credit loss provision to net charge-offs | 304.3478% | 968 |
| Earnings coverage of net charge-offs (x) | 6.8478% | 2,148 |
| Efficiency ratio | 81.4924% | 2,005 |
| Assets per employee ($millions) | 2.9868% | 6,179 |
| Cash dividends to net income (ytd only)* | 37.0370% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2029% | 1,875 |
| Loan loss allowance to noncurrent loans | 45.5656% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 5.4043% | 923 |
| Noncurrent loans to loans | 4.8346% | 1,171 |
| Net loans and leases to total assets | 77.3741% | 651 |
| Net loans and leases to deposits | 91.8798% | 809 |
| Net loans and leases to core deposits | 94.4728% | 1,422 |
| Total domestic deposits to total assets | 84.2124% | 4,391 |
| Equity capital to assets | 14.3240% | 917 |
| Core capital (leverage) ratio | 14.0635% | 790 |
| Tier 1 risk-based capital ratio | 17.1783% | 2,612 |
| Total risk-based capital ratio | 18.4391% | 2,568 |
| Memoranda: | ||
| Average total assets | $159,882,000 | 3,690 |
| Average earning assets | $143,771,000 | 3,750 |
| Average equity | $22,635,000 | 2,894 |
| Average total loans | $126,682,500 | 3,008 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7957% | 649 |
| Cost of funding earning assets | 1.4109% | 994 |
| Net interest margin | 4.3849% | 1,431 |
| Noninterest income to average assets | 0.3781% | 4,803 |
| Noninterest expense to average assets | 3.5188% | 1,938 |
| Loan and lease loss provision to assets | 0.4868% | 2,171 |
| Net operating income to assets | 0.2396% | 5,463 |
| Return on assets (ROA) | 0.3143% | 5,358 |
| Pretax return on assets | 0.4371% | 5,182 |
| Return on Equity (ROE) | 2.3236% | 5,536 |
| Retained earnings to average equity (ytd only) | 1.4750% | 5,157 |
| Net charge-offs to loans | 0.6462% | 2,533 |
| Credit loss provision to net charge-offs | 96.0048% | 3,756 |
| Earnings coverage of net charge-offs (x) | 1.6174% | 4,562 |
| Efficiency ratio | 81.0979% | 2,150 |
| Assets per employee ($millions) | 3.1051% | 5,886 |
| Cash dividends to net income (ytd only)* | 36.5234% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0800% | 2,067 |
| Loan loss allowance to noncurrent loans | 70.4467% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 3.8170% | 1,511 |
| Noncurrent loans to loans | 2.9527% | 2,201 |
| Net loans and leases to total assets | 77.7002% | 745 |
| Net loans and leases to deposits | 93.1692% | 872 |
| Net loans and leases to core deposits | 95.9503% | 1,496 |
| Total domestic deposits to total assets | 83.3968% | 4,593 |
| Equity capital to assets | 13.9939% | 1,067 |
| Core capital (leverage) ratio | 13.4716% | 976 |
| Tier 1 risk-based capital ratio | 16.7935% | 2,694 |
| Total risk-based capital ratio | 18.0526% | 2,654 |
| Memoranda: | ||
| Average total assets | $162,898,600 | 3,592 |
| Average earning assets | $147,143,000 | 3,622 |
| Average equity | $22,034,600 | 2,892 |
| Average total loans | $127,830,400 | 3,024 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8364% | 655 |
| Cost of funding earning assets | 1.4202% | 1,151 |
| Net interest margin | 4.4161% | 1,362 |
| Noninterest income to average assets | 0.3267% | 5,249 |
| Noninterest expense to average assets | 3.5804% | 1,755 |
| Loan and lease loss provision to assets | 0.3814% | 2,571 |
| Net operating income to assets | 0.2546% | 5,556 |
| Return on assets (ROA) | 0.3528% | 5,376 |
| Pretax return on assets | 0.4933% | 5,187 |
| Return on Equity (ROE) | 2.6308% | 5,567 |
| Retained earnings to average equity (ytd only) | 1.7173% | 5,284 |
| Net charge-offs to loans | 0.5228% | 2,661 |
| Credit loss provision to net charge-offs | 93.2136% | 3,660 |
| Earnings coverage of net charge-offs (x) | 1.8044% | 4,312 |
| Efficiency ratio | 82.9047% | 1,859 |
| Assets per employee ($millions) | 3.1274% | 5,841 |
| Cash dividends to net income (ytd only)* | 34.7228% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0828% | 2,107 |
| Loan loss allowance to noncurrent loans | 54.6237% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 4.4989% | 1,336 |
| Noncurrent loans to loans | 3.8130% | 1,766 |
| Net loans and leases to total assets | 75.5594% | 1,050 |
| Net loans and leases to deposits | 90.3036% | 1,175 |
| Net loans and leases to core deposits | 92.9240% | 1,892 |
| Total domestic deposits to total assets | 83.6727% | 4,389 |
| Equity capital to assets | 13.6595% | 1,302 |
| Core capital (leverage) ratio | 13.6243% | 1,007 |
| Tier 1 risk-based capital ratio | 16.7228% | 2,756 |
| Total risk-based capital ratio | 17.9818% | 2,724 |
| Memoranda: | ||
| Average total assets | $163,257,500 | 3,618 |
| Average earning assets | $147,576,750 | 3,634 |
| Average equity | $21,894,500 | 2,897 |
| Average total loans | $127,757,500 | 3,049 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8781% | 611 |
| Cost of funding earning assets | 1.4337% | 1,264 |
| Net interest margin | 4.4443% | 1,259 |
| Noninterest income to average assets | 0.3275% | 5,275 |
| Noninterest expense to average assets | 3.6608% | 1,604 |
| Loan and lease loss provision to assets | 0.5012% | 1,958 |
| Net operating income to assets | 0.1315% | 5,926 |
| Return on assets (ROA) | 0.2807% | 5,577 |
| Pretax return on assets | 0.3854% | 5,437 |
| Return on Equity (ROE) | 2.1067% | 5,753 |
| Retained earnings to average equity (ytd only) | 1.3490% | 5,316 |
| Net charge-offs to loans | 0.7392% | 2,028 |
| Credit loss provision to net charge-offs | 86.2288% | 3,579 |
| Earnings coverage of net charge-offs (x) | 1.1737% | 4,399 |
| Efficiency ratio | 84.2926% | 1,783 |
| Assets per employee ($millions) | 3.0320% | 6,012 |
| Cash dividends to net income (ytd only)* | 35.9649% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0540% | 2,226 |
| Loan loss allowance to noncurrent loans | 66.3224% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 4.1171% | 1,551 |
| Noncurrent loans to loans | 3.0970% | 2,326 |
| Net loans and leases to total assets | 78.1324% | 761 |
| Net loans and leases to deposits | 93.1299% | 937 |
| Net loans and leases to core deposits | 96.4694% | 1,630 |
| Total domestic deposits to total assets | 83.8961% | 4,394 |
| Equity capital to assets | 13.4834% | 1,304 |
| Core capital (leverage) ratio | 13.0853% | 1,114 |
| Tier 1 risk-based capital ratio | 15.8548% | 3,054 |
| Total risk-based capital ratio | 17.1140% | 3,023 |
| Memoranda: | ||
| Average total assets | $162,425,670 | 3,644 |
| Average earning assets | $146,748,670 | 3,671 |
| Average equity | $21,645,670 | 2,911 |
| Average total loans | $127,708,000 | 3,077 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9604% | 518 |
| Cost of funding earning assets | 1.4440% | 1,416 |
| Net interest margin | 4.5163% | 1,035 |
| Noninterest income to average assets | 0.4507% | 4,278 |
| Noninterest expense to average assets | 3.5495% | 1,878 |
| Loan and lease loss provision to assets | 0.6002% | 1,434 |
| Net operating income to assets | 0.2768% | 5,516 |
| Return on assets (ROA) | 0.2768% | 5,578 |
| Pretax return on assets | 0.3846% | 5,387 |
| Return on Equity (ROE) | 2.0892% | 5,754 |
| Retained earnings to average equity (ytd only) | 1.3312% | 5,295 |
| Net charge-offs to loans | 1.2113% | 1,148 |
| Credit loss provision to net charge-offs | 63.4715% | 3,481 |
| Earnings coverage of net charge-offs (x) | 1.0415% | 3,882 |
| Efficiency ratio | 78.2820% | 2,803 |
| Assets per employee ($millions) | 3.0013% | 6,141 |
| Cash dividends to net income (ytd only)* | 36.2832% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0378% | 2,316 |
| Loan loss allowance to noncurrent loans | 137.9180% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 2.9006% | 2,382 |
| Noncurrent loans to loans | 1.4776% | 4,256 |
| Net loans and leases to total assets | 75.8436% | 1,049 |
| Net loans and leases to deposits | 90.2747% | 1,202 |
| Net loans and leases to core deposits | 93.8901% | 1,899 |
| Total domestic deposits to total assets | 84.0142% | 4,483 |
| Equity capital to assets | 13.3696% | 1,230 |
| Core capital (leverage) ratio | 12.6696% | 1,256 |
| Tier 1 risk-based capital ratio | 15.3590% | 3,230 |
| Total risk-based capital ratio | 16.6168% | 3,190 |
| Memoranda: | ||
| Average total assets | $163,291,500 | 3,650 |
| Average earning assets | $147,641,500 | 3,684 |
| Average equity | $21,635,000 | 2,908 |
| Average total loans | $127,468,500 | 3,112 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0115% | 832 |
| Cost of funding earning assets | 1.6382% | 1,874 |
| Net interest margin | 4.3733% | 1,576 |
| Noninterest income to average assets | 0.5507% | 3,821 |
| Noninterest expense to average assets | 3.3491% | 2,585 |
| Loan and lease loss provision to assets | 0.8343% | 1,971 |
| Net operating income to assets | 0.2666% | 5,046 |
| Return on assets (ROA) | 0.2666% | 5,214 |
| Pretax return on assets | 0.3564% | 5,063 |
| Return on Equity (ROE) | 2.1031% | 5,348 |
| Retained earnings to average equity (ytd only) | 1.3434% | 4,871 |
| Net charge-offs to loans | 0.6427% | 3,091 |
| Credit loss provision to net charge-offs | 168.7648% | 2,011 |
| Earnings coverage of net charge-offs (x) | 2.4086% | 3,926 |
| Efficiency ratio | 73.7713% | 3,448 |
| Assets per employee ($millions) | 2.9378% | 6,234 |
| Cash dividends to net income (ytd only)* | 36.1233% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0840% | 2,107 |
| Loan loss allowance to noncurrent loans | 79.2830% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 3.7018% | 1,855 |
| Noncurrent loans to loans | 2.6286% | 2,893 |
| Net loans and leases to total assets | 77.0530% | 1,085 |
| Net loans and leases to deposits | 93.4555% | 1,107 |
| Net loans and leases to core deposits | 96.6506% | 1,927 |
| Total domestic deposits to total assets | 82.4489% | 5,040 |
| Equity capital to assets | 13.1308% | 1,330 |
| Core capital (leverage) ratio | 12.1510% | 1,459 |
| Tier 1 risk-based capital ratio | 14.8255% | 3,354 |
| Total risk-based capital ratio | 16.0841% | 3,309 |
| Memoranda: | ||
| Average total assets | $170,316,600 | 3,528 |
| Average earning assets | $155,352,200 | 3,539 |
| Average equity | $21,587,600 | 2,935 |
| Average total loans | $131,017,000 | 3,104 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9970% | 943 |
| Cost of funding earning assets | 1.6620% | 2,037 |
| Net interest margin | 4.3350% | 1,732 |
| Noninterest income to average assets | 0.5371% | 3,893 |
| Noninterest expense to average assets | 3.3486% | 2,434 |
| Loan and lease loss provision to assets | 0.7739% | 1,973 |
| Net operating income to assets | 0.2756% | 5,254 |
| Return on assets (ROA) | 0.2756% | 5,417 |
| Pretax return on assets | 0.3749% | 5,296 |
| Return on Equity (ROE) | 2.1929% | 5,537 |
| Retained earnings to average equity (ytd only) | 1.4331% | 5,227 |
| Net charge-offs to loans | 0.6920% | 2,688 |
| Credit loss provision to net charge-offs | 146.1877% | 2,689 |
| Earnings coverage of net charge-offs (x) | 2.1701% | 4,097 |
| Efficiency ratio | 74.4563% | 3,234 |
| Assets per employee ($millions) | 3.1584% | 5,784 |
| Cash dividends to net income (ytd only)* | 34.6489% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8544% | 2,616 |
| Loan loss allowance to noncurrent loans | 61.2944% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 2.9774% | 2,440 |
| Noncurrent loans to loans | 3.0255% | 2,636 |
| Net loans and leases to total assets | 75.5305% | 1,487 |
| Net loans and leases to deposits | 90.9725% | 1,585 |
| Net loans and leases to core deposits | 95.5481% | 2,314 |
| Total domestic deposits to total assets | 83.0256% | 4,583 |
| Equity capital to assets | 12.7499% | 1,716 |
| Core capital (leverage) ratio | 11.9979% | 1,672 |
| Tier 1 risk-based capital ratio | 14.6416% | 3,433 |
| Total risk-based capital ratio | 15.8975% | 3,403 |
| Memoranda: | ||
| Average total assets | $171,767,250 | 3,542 |
| Average earning assets | $156,918,750 | 3,552 |
| Average equity | $21,584,000 | 2,971 |
| Average total loans | $131,406,000 | 3,152 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0343% | 866 |
| Cost of funding earning assets | 1.6901% | 2,167 |
| Net interest margin | 4.3442% | 1,621 |
| Noninterest income to average assets | 0.5216% | 3,943 |
| Noninterest expense to average assets | 3.3548% | 2,395 |
| Loan and lease loss provision to assets | 0.7028% | 2,065 |
| Net operating income to assets | 0.3125% | 5,129 |
| Return on assets (ROA) | 0.3125% | 5,289 |
| Pretax return on assets | 0.4321% | 5,116 |
| Return on Equity (ROE) | 2.4988% | 5,464 |
| Retained earnings to average equity (ytd only) | 1.7371% | 5,001 |
| Net charge-offs to loans | 0.5888% | 2,765 |
| Credit loss provision to net charge-offs | 156.3307% | 2,524 |
| Earnings coverage of net charge-offs (x) | 2.5245% | 3,737 |
| Efficiency ratio | 74.7219% | 3,325 |
| Assets per employee ($millions) | 3.0850% | 5,960 |
| Cash dividends to net income (ytd only)* | 30.4833% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7895% | 2,749 |
| Loan loss allowance to noncurrent loans | 94.2719% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 2.2436% | 3,212 |
| Noncurrent loans to loans | 1.8982% | 3,868 |
| Net loans and leases to total assets | 74.2427% | 1,854 |
| Net loans and leases to deposits | 89.8652% | 1,877 |
| Net loans and leases to core deposits | 96.1066% | 2,426 |
| Total domestic deposits to total assets | 82.6157% | 4,730 |
| Equity capital to assets | 12.5522% | 1,764 |
| Core capital (leverage) ratio | 12.1184% | 1,582 |
| Tier 1 risk-based capital ratio | 14.5401% | 3,425 |
| Total risk-based capital ratio | 15.7951% | 3,380 |
| Memoranda: | ||
| Average total assets | $172,172,670 | 3,568 |
| Average earning assets | $157,267,000 | 3,567 |
| Average equity | $21,530,330 | 2,975 |
| Average total loans | $131,457,330 | 3,173 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0716% | 831 |
| Cost of funding earning assets | 1.7790% | 1,973 |
| Net interest margin | 4.2926% | 1,709 |
| Noninterest income to average assets | 0.4957% | 4,078 |
| Noninterest expense to average assets | 3.2302% | 2,758 |
| Loan and lease loss provision to assets | 0.7540% | 1,686 |
| Net operating income to assets | 0.3095% | 5,257 |
| Return on assets (ROA) | 0.3095% | 5,390 |
| Pretax return on assets | 0.4422% | 5,155 |
| Return on Equity (ROE) | 2.4798% | 5,565 |
| Retained earnings to average equity (ytd only) | 1.7154% | 5,083 |
| Net charge-offs to loans | 0.6763% | 2,141 |
| Credit loss provision to net charge-offs | 145.2915% | 2,451 |
| Earnings coverage of net charge-offs (x) | 2.3049% | 3,386 |
| Efficiency ratio | 72.9758% | 3,761 |
| Assets per employee ($millions) | 3.1254% | 5,934 |
| Cash dividends to net income (ytd only)* | 30.8271% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6901% | 3,104 |
| Loan loss allowance to noncurrent loans | 73.7787% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 2.3421% | 3,103 |
| Noncurrent loans to loans | 2.2908% | 3,399 |
| Net loans and leases to total assets | 75.1229% | 1,710 |
| Net loans and leases to deposits | 90.8435% | 1,778 |
| Net loans and leases to core deposits | 98.7754% | 2,266 |
| Total domestic deposits to total assets | 82.6949% | 4,761 |
| Equity capital to assets | 12.5127% | 1,752 |
| Core capital (leverage) ratio | 11.9852% | 1,658 |
| Tier 1 risk-based capital ratio | 14.7400% | 3,234 |
| Total risk-based capital ratio | 15.9944% | 3,196 |
| Memoranda: | ||
| Average total assets | $171,879,500 | 3,629 |
| Average earning assets | $157,387,500 | 3,620 |
| Average equity | $21,453,000 | 3,010 |
| Average total loans | $131,887,000 | 3,223 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2468% | 1,126 |
| Cost of funding earning assets | 2.3933% | 1,322 |
| Net interest margin | 3.8535% | 3,469 |
| Noninterest income to average assets | 0.4190% | 5,055 |
| Noninterest expense to average assets | 3.1792% | 3,448 |
| Loan and lease loss provision to assets | 0.8452% | 2,618 |
| Net operating income to assets | 0.0036% | 5,471 |
| Return on assets (ROA) | 0.0036% | 5,529 |
| Pretax return on assets | -0.0658% | 5,550 |
| Return on Equity (ROE) | 0.0281% | 5,532 |
| Retained earnings to average equity (ytd only) | -0.6415% | 5,150 |
| Net charge-offs to loans | 0.6356% | 3,291 |
| Credit loss provision to net charge-offs | 171.8072% | 2,474 |
| Earnings coverage of net charge-offs (x) | 1.5843% | 4,553 |
| Efficiency ratio | 80.3114% | 2,839 |
| Assets per employee ($millions) | 2.9631% | 6,315 |
| Cash dividends to net income (ytd only)* | 2,383.3333% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6002% | 3,282 |
| Loan loss allowance to noncurrent loans | 64.0568% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 2.3979% | 2,902 |
| Noncurrent loans to loans | 2.4981% | 3,041 |
| Net loans and leases to total assets | 75.8172% | 1,850 |
| Net loans and leases to deposits | 91.5640% | 1,953 |
| Net loans and leases to core deposits | 126.1519% | 1,503 |
| Total domestic deposits to total assets | 82.8025% | 4,615 |
| Equity capital to assets | 12.4501% | 1,773 |
| Core capital (leverage) ratio | 11.6991% | 1,812 |
| Tier 1 risk-based capital ratio | 14.5793% | 3,160 |
| Total risk-based capital ratio | 15.8328% | 3,111 |
| Memoranda: | ||
| Average total assets | $168,722,400 | 3,634 |
| Average earning assets | $154,976,400 | 3,613 |
| Average equity | $21,357,600 | 3,035 |
| Average total loans | $130,577,800 | 3,259 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2387% | 1,274 |
| Cost of funding earning assets | 2.4970% | 1,315 |
| Net interest margin | 3.7416% | 3,901 |
| Noninterest income to average assets | 0.3803% | 5,475 |
| Noninterest expense to average assets | 3.2194% | 3,234 |
| Loan and lease loss provision to assets | 0.3739% | 4,085 |
| Net operating income to assets | 0.1993% | 5,161 |
| Return on assets (ROA) | 0.1993% | 5,245 |
| Pretax return on assets | 0.2263% | 5,238 |
| Return on Equity (ROE) | 1.5677% | 5,311 |
| Retained earnings to average equity (ytd only) | 0.9306% | 4,789 |
| Net charge-offs to loans | 0.1803% | 4,942 |
| Credit loss provision to net charge-offs | 267.6136% | 1,582 |
| Earnings coverage of net charge-offs (x) | 4.2954% | 3,185 |
| Efficiency ratio | 84.2860% | 2,265 |
| Assets per employee ($millions) | 3.0329% | 6,075 |
| Cash dividends to net income (ytd only)* | 40.6383% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 4,062 |
| Loan loss allowance to noncurrent loans | 50.5984% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 2.8738% | 2,423 |
| Noncurrent loans to loans | 2.7271% | 2,781 |
| Net loans and leases to total assets | 75.1612% | 2,208 |
| Net loans and leases to deposits | 90.9024% | 2,414 |
| Net loans and leases to core deposits | 121.1142% | 2,147 |
| Total domestic deposits to total assets | 82.6834% | 4,371 |
| Equity capital to assets | 12.5443% | 1,921 |
| Core capital (leverage) ratio | 12.0660% | 1,775 |
| Tier 1 risk-based capital ratio | 14.8358% | 3,118 |
| Total risk-based capital ratio | 16.0859% | 3,061 |
| Memoranda: | ||
| Average total assets | $167,937,500 | 3,664 |
| Average earning assets | $154,366,750 | 3,648 |
| Average equity | $21,347,750 | 3,054 |
| Average total loans | $130,117,250 | 3,302 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2086% | 1,426 |
| Cost of funding earning assets | 2.6063% | 1,266 |
| Net interest margin | 3.6023% | 4,350 |
| Noninterest income to average assets | 0.4342% | 4,993 |
| Noninterest expense to average assets | 3.2641% | 3,103 |
| Loan and lease loss provision to assets | 0.3103% | 4,088 |
| Net operating income to assets | 0.1708% | 5,348 |
| Return on assets (ROA) | 0.1708% | 5,453 |
| Pretax return on assets | 0.1744% | 5,532 |
| Return on Equity (ROE) | 1.3374% | 5,525 |
| Retained earnings to average equity (ytd only) | 0.7629% | 4,888 |
| Net charge-offs to loans | 0.1574% | 4,620 |
| Credit loss provision to net charge-offs | 252.9412% | 1,840 |
| Earnings coverage of net charge-offs (x) | 3.9510% | 3,263 |
| Efficiency ratio | 87.0709% | 2,119 |
| Assets per employee ($millions) | 3.1552% | 5,706 |
| Cash dividends to net income (ytd only)* | 42.9577% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 4,398 |
| Loan loss allowance to noncurrent loans | 52.3706% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 2.6139% | 2,461 |
| Noncurrent loans to loans | 2.4429% | 2,958 |
| Net loans and leases to total assets | 74.6567% | 2,528 |
| Net loans and leases to deposits | 90.0214% | 2,829 |
| Net loans and leases to core deposits | 122.3517% | 2,176 |
| Total domestic deposits to total assets | 82.9322% | 4,274 |
| Equity capital to assets | 12.2861% | 2,033 |
| Core capital (leverage) ratio | 12.1541% | 1,770 |
| Tier 1 risk-based capital ratio | 14.8170% | 3,096 |
| Total risk-based capital ratio | 16.0004% | 3,056 |
| Memoranda: | ||
| Average total assets | $166,291,670 | 3,701 |
| Average earning assets | $153,014,670 | 3,681 |
| Average equity | $21,235,000 | 3,067 |
| Average total loans | $129,572,000 | 3,347 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2551% | 1,428 |
| Cost of funding earning assets | 2.6708% | 1,343 |
| Net interest margin | 3.5843% | 4,387 |
| Noninterest income to average assets | 0.4279% | 4,975 |
| Noninterest expense to average assets | 3.2360% | 2,837 |
| Loan and lease loss provision to assets | 0.2975% | 3,568 |
| Net operating income to assets | 0.1918% | 5,684 |
| Return on assets (ROA) | 0.1918% | 5,856 |
| Pretax return on assets | 0.1943% | 5,953 |
| Return on Equity (ROE) | 1.4723% | 5,976 |
| Retained earnings to average equity (ytd only) | 1.0948% | 5,201 |
| Net charge-offs to loans | 0.0808% | 4,361 |
| Credit loss provision to net charge-offs | 465.3846% | 1,141 |
| Earnings coverage of net charge-offs (x) | 7.6923% | 2,312 |
| Efficiency ratio | 86.8074% | 1,983 |
| Assets per employee ($millions) | 2.9473% | 6,296 |
| Cash dividends to net income (ytd only)* | 25.6410% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 4,522 |
| Loan loss allowance to noncurrent loans | 67.7554% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.6883% | 3,391 |
| Noncurrent loans to loans | 1.8315% | 3,514 |
| Net loans and leases to total assets | 75.3277% | 2,425 |
| Net loans and leases to deposits | 90.9765% | 2,778 |
| Net loans and leases to core deposits | 128.7703% | 1,730 |
| Total domestic deposits to total assets | 82.7991% | 4,245 |
| Equity capital to assets | 12.4034% | 2,027 |
| Core capital (leverage) ratio | 12.6944% | 1,605 |
| Tier 1 risk-based capital ratio | 15.4357% | 2,879 |
| Total risk-based capital ratio | 16.6255% | 2,838 |
| Memoranda: | ||
| Average total assets | $162,669,000 | 3,783 |
| Average earning assets | $149,766,000 | 3,759 |
| Average equity | $21,192,000 | 3,091 |
| Average total loans | $128,740,000 | 3,394 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7713% | 1,786 |
| Cost of funding earning assets | 3.0382% | 1,719 |
| Net interest margin | 3.7331% | 4,310 |
| Noninterest income to average assets | 0.4528% | 5,017 |
| Noninterest expense to average assets | 3.4548% | 2,511 |
| Loan and lease loss provision to assets | 0.3057% | 3,927 |
| Net operating income to assets | 0.1124% | 6,076 |
| Return on assets (ROA) | 0.1124% | 5,914 |
| Pretax return on assets | 0.0883% | 5,970 |
| Return on Equity (ROE) | 0.9013% | 5,947 |
| Retained earnings to average equity (ytd only) | 0.8799% | 4,700 |
| Net charge-offs to loans | 0.2092% | 4,115 |
| Credit loss provision to net charge-offs | 181.3492% | 2,769 |
| Earnings coverage of net charge-offs (x) | 2.3373% | 4,920 |
| Efficiency ratio | 89.7636% | 1,530 |
| Assets per employee ($millions) | 2.7086% | 6,765 |
| Cash dividends to net income (ytd only)* | 2.3810% | 4,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 4,543 |
| Loan loss allowance to noncurrent loans | 73.4684% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 1.3427% | 3,528 |
| Noncurrent loans to loans | 1.6311% | 3,326 |
| Net loans and leases to total assets | 81.3314% | 1,350 |
| Net loans and leases to deposits | 94.4867% | 2,691 |
| Net loans and leases to core deposits | 130.6714% | 1,806 |
| Total domestic deposits to total assets | 86.0771% | 2,369 |
| Equity capital to assets | 13.7189% | 1,536 |
| Core capital (leverage) ratio | 13.8174% | 1,308 |
| Tier 1 risk-based capital ratio | 16.5965% | 2,451 |
| Total risk-based capital ratio | 17.8044% | 2,399 |
| Memoranda: | ||
| Average total assets | $149,502,400 | 3,908 |
| Average earning assets | $136,001,000 | 3,932 |
| Average equity | $18,639,400 | 3,453 |
| Average total loans | $120,430,800 | 3,452 |