Home > Community Bank of Northern Wisconsin > Performance and Condition Ratios
Community Bank of Northern Wisconsin, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1957% | 2,489 |
| Cost of funding earning assets | 0.6833% | 873 |
| Net interest margin | 3.5124% | 3,420 |
| Noninterest income to average assets | 0.3107% | 4,510 |
| Noninterest expense to average assets | 2.7490% | 3,242 |
| Loan and lease loss provision to assets | 0.0444% | 3,036 |
| Net operating income to assets | 0.8563% | 2,965 |
| Return on assets (ROA) | 0.8563% | 3,082 |
| Pretax return on assets | 0.8719% | 3,963 |
| Return on Equity (ROE) | 7.8586% | 2,999 |
| Retained earnings to average equity (ytd only) | 1.6292% | 4,622 |
| Net charge-offs to loans | 0.0035% | 2,999 |
| Credit loss provision to net charge-offs | 1,700.0000% | 240 |
| Earnings coverage of net charge-offs (x) | 351.0000% | 169 |
| Efficiency ratio | 75.0000% | 2,328 |
| Assets per employee ($millions) | 4.1596% | 3,654 |
| Cash dividends to net income (ytd only)* | 79.2683% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6197% | 1,552 |
| Loan loss allowance to noncurrent loans | 97.6127% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.3385% | 1,593 |
| Noncurrent loans to loans | 1.6593% | 1,368 |
| Net loans and leases to total assets | 72.6169% | 1,937 |
| Net loans and leases to deposits | 83.4922% | 2,368 |
| Net loans and leases to core deposits | 93.8309% | 2,005 |
| Total domestic deposits to total assets | 86.9744% | 2,223 |
| Equity capital to assets | 10.8950% | 3,051 |
| Core capital (leverage) ratio | 10.7181% | 2,704 |
| Tier 1 risk-based capital ratio | 15.9176% | 2,721 |
| Total risk-based capital ratio | 17.1728% | 2,660 |
| Memoranda: | ||
| Average total assets | $153,220,500 | 3,532 |
| Average earning assets | $146,340,500 | 3,471 |
| Average equity | $16,695,000 | 3,631 |
| Average total loans | $113,261,000 | 3,194 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1756% | 2,641 |
| Cost of funding earning assets | 0.6683% | 970 |
| Net interest margin | 3.5073% | 3,495 |
| Noninterest income to average assets | 0.2985% | 4,749 |
| Noninterest expense to average assets | 2.6585% | 3,735 |
| Loan and lease loss provision to assets | 0.0542% | 3,233 |
| Net operating income to assets | 0.9143% | 2,790 |
| Return on assets (ROA) | 0.9143% | 2,876 |
| Pretax return on assets | 0.9259% | 3,744 |
| Return on Equity (ROE) | 8.7076% | 2,622 |
| Retained earnings to average equity (ytd only) | 3.4204% | 3,620 |
| Net charge-offs to loans | 0.2589% | 1,168 |
| Credit loss provision to net charge-offs | 29.1667% | 3,667 |
| Earnings coverage of net charge-offs (x) | 5.2778% | 3,416 |
| Efficiency ratio | 73.0640% | 2,734 |
| Assets per employee ($millions) | 3.8134% | 4,264 |
| Cash dividends to net income (ytd only)* | 60.7193% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6153% | 1,565 |
| Loan loss allowance to noncurrent loans | 94.1176% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.4298% | 1,458 |
| Noncurrent loans to loans | 1.7162% | 1,312 |
| Net loans and leases to total assets | 72.8333% | 1,913 |
| Net loans and leases to deposits | 83.7002% | 2,393 |
| Net loans and leases to core deposits | 94.2650% | 2,030 |
| Total domestic deposits to total assets | 87.0168% | 2,123 |
| Equity capital to assets | 10.8971% | 2,938 |
| Core capital (leverage) ratio | 10.7989% | 2,608 |
| Tier 1 risk-based capital ratio | 15.8630% | 2,750 |
| Total risk-based capital ratio | 17.1181% | 2,689 |
| Memoranda: | ||
| Average total assets | $155,085,200 | 3,491 |
| Average earning assets | $147,691,200 | 3,437 |
| Average equity | $16,284,600 | 3,629 |
| Average total loans | $111,254,400 | 3,174 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1280% | 2,815 |
| Cost of funding earning assets | 0.6654% | 1,000 |
| Net interest margin | 3.4626% | 3,706 |
| Noninterest income to average assets | 0.2997% | 4,790 |
| Noninterest expense to average assets | 2.6910% | 3,590 |
| Loan and lease loss provision to assets | 0.0402% | 3,408 |
| Net operating income to assets | 0.8545% | 3,154 |
| Return on assets (ROA) | 0.8545% | 3,243 |
| Pretax return on assets | 0.8656% | 4,114 |
| Return on Equity (ROE) | 8.2136% | 2,961 |
| Retained earnings to average equity (ytd only) | 2.5843% | 4,578 |
| Net charge-offs to loans | 0.2815% | 949 |
| Credit loss provision to net charge-offs | 20.0855% | 3,364 |
| Earnings coverage of net charge-offs (x) | 4.5214% | 3,334 |
| Efficiency ratio | 74.8155% | 2,434 |
| Assets per employee ($millions) | 4.0760% | 3,745 |
| Cash dividends to net income (ytd only)* | 68.5375% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6206% | 1,719 |
| Loan loss allowance to noncurrent loans | 85.7076% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.5243% | 1,473 |
| Noncurrent loans to loans | 1.8909% | 1,225 |
| Net loans and leases to total assets | 72.1541% | 2,040 |
| Net loans and leases to deposits | 83.9535% | 2,414 |
| Net loans and leases to core deposits | 93.9135% | 2,081 |
| Total domestic deposits to total assets | 85.9453% | 2,556 |
| Equity capital to assets | 10.5999% | 3,476 |
| Core capital (leverage) ratio | 10.5261% | 3,016 |
| Tier 1 risk-based capital ratio | 15.1568% | 3,211 |
| Total risk-based capital ratio | 16.4114% | 3,147 |
| Memoranda: | ||
| Average total assets | $155,722,500 | 3,518 |
| Average earning assets | $148,285,500 | 3,460 |
| Average equity | $16,200,250 | 3,676 |
| Average total loans | $110,837,750 | 3,211 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1014% | 2,893 |
| Cost of funding earning assets | 0.6550% | 1,071 |
| Net interest margin | 3.4463% | 3,728 |
| Noninterest income to average assets | 0.2910% | 4,883 |
| Noninterest expense to average assets | 2.6923% | 3,618 |
| Loan and lease loss provision to assets | 0.0436% | 3,238 |
| Net operating income to assets | 0.8231% | 3,259 |
| Return on assets (ROA) | 0.8231% | 3,367 |
| Pretax return on assets | 0.8333% | 4,193 |
| Return on Equity (ROE) | 7.9615% | 3,079 |
| Retained earnings to average equity (ytd only) | 1.5873% | 4,906 |
| Net charge-offs to loans | 0.2165% | 1,176 |
| Credit loss provision to net charge-offs | 28.5714% | 2,937 |
| Earnings coverage of net charge-offs (x) | 5.7479% | 2,893 |
| Efficiency ratio | 75.4310% | 2,468 |
| Assets per employee ($millions) | 4.0258% | 3,835 |
| Cash dividends to net income (ytd only)* | 80.0623% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7440% | 1,509 |
| Loan loss allowance to noncurrent loans | 80.2561% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.7695% | 1,319 |
| Noncurrent loans to loans | 2.1730% | 1,104 |
| Net loans and leases to total assets | 71.5574% | 2,062 |
| Net loans and leases to deposits | 83.2909% | 2,400 |
| Net loans and leases to core deposits | 92.1480% | 2,142 |
| Total domestic deposits to total assets | 85.9127% | 2,736 |
| Equity capital to assets | 10.5490% | 3,387 |
| Core capital (leverage) ratio | 10.4562% | 3,018 |
| Tier 1 risk-based capital ratio | 15.1101% | 3,294 |
| Total risk-based capital ratio | 16.3667% | 3,234 |
| Memoranda: | ||
| Average total assets | $156,000,670 | 3,545 |
| Average earning assets | $148,390,000 | 3,480 |
| Average equity | $16,127,670 | 3,704 |
| Average total loans | $109,917,330 | 3,252 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0523% | 3,034 |
| Cost of funding earning assets | 0.6522% | 1,104 |
| Net interest margin | 3.4001% | 3,841 |
| Noninterest income to average assets | 0.2768% | 4,963 |
| Noninterest expense to average assets | 2.6919% | 3,615 |
| Loan and lease loss provision to assets | 0.0432% | 3,051 |
| Net operating income to assets | 0.7695% | 3,434 |
| Return on assets (ROA) | 0.7695% | 3,569 |
| Pretax return on assets | 0.7720% | 4,340 |
| Return on Equity (ROE) | 7.5174% | 3,211 |
| Retained earnings to average equity (ytd only) | 2.2329% | 4,566 |
| Net charge-offs to loans | 0.2492% | 962 |
| Credit loss provision to net charge-offs | 25.0000% | 2,316 |
| Earnings coverage of net charge-offs (x) | 4.7206% | 2,454 |
| Efficiency ratio | 76.7560% | 2,384 |
| Assets per employee ($millions) | 4.5152% | 3,034 |
| Cash dividends to net income (ytd only)* | 70.2970% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8122% | 1,476 |
| Loan loss allowance to noncurrent loans | 60.8682% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 2.2217% | 1,036 |
| Noncurrent loans to loans | 2.9772% | 735 |
| Net loans and leases to total assets | 67.7825% | 2,486 |
| Net loans and leases to deposits | 77.8423% | 2,826 |
| Net loans and leases to core deposits | 85.7376% | 2,579 |
| Total domestic deposits to total assets | 87.0767% | 2,328 |
| Equity capital to assets | 10.2359% | 3,846 |
| Core capital (leverage) ratio | 10.1530% | 3,402 |
| Tier 1 risk-based capital ratio | 15.3350% | 3,241 |
| Total risk-based capital ratio | 16.5926% | 3,164 |
| Memoranda: | ||
| Average total assets | $157,510,000 | 3,547 |
| Average earning assets | $149,642,000 | 3,474 |
| Average equity | $16,122,500 | 3,729 |
| Average total loans | $109,169,500 | 3,274 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2168% | 2,894 |
| Cost of funding earning assets | 0.6644% | 1,307 |
| Net interest margin | 3.5524% | 3,593 |
| Noninterest income to average assets | 0.2449% | 5,374 |
| Noninterest expense to average assets | 2.5929% | 4,250 |
| Loan and lease loss provision to assets | 0.0992% | 2,500 |
| Net operating income to assets | 0.8989% | 2,878 |
| Return on assets (ROA) | 0.8982% | 2,973 |
| Pretax return on assets | 0.9008% | 3,898 |
| Return on Equity (ROE) | 8.9568% | 2,608 |
| Retained earnings to average equity (ytd only) | 4.8382% | 2,730 |
| Net charge-offs to loans | 0.0559% | 3,712 |
| Credit loss provision to net charge-offs | 256.6667% | 998 |
| Earnings coverage of net charge-offs (x) | 25.8833% | 1,486 |
| Efficiency ratio | 72.1535% | 3,178 |
| Assets per employee ($millions) | 4.4854% | 3,065 |
| Cash dividends to net income (ytd only)* | 45.9828% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8564% | 1,406 |
| Loan loss allowance to noncurrent loans | 72.6621% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 1.9982% | 1,274 |
| Noncurrent loans to loans | 2.5548% | 986 |
| Net loans and leases to total assets | 68.2957% | 2,515 |
| Net loans and leases to deposits | 78.9828% | 2,835 |
| Net loans and leases to core deposits | 86.5357% | 2,642 |
| Total domestic deposits to total assets | 86.4690% | 2,587 |
| Equity capital to assets | 10.2358% | 3,812 |
| Core capital (leverage) ratio | 10.4790% | 2,973 |
| Tier 1 risk-based capital ratio | 14.9217% | 3,532 |
| Total risk-based capital ratio | 16.1789% | 3,461 |
| Memoranda: | ||
| Average total assets | $155,195,400 | 3,562 |
| Average earning assets | $146,296,800 | 3,505 |
| Average equity | $15,563,600 | 3,739 |
| Average total loans | $107,341,400 | 3,281 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2404% | 2,839 |
| Cost of funding earning assets | 0.6730% | 1,302 |
| Net interest margin | 3.5673% | 3,566 |
| Noninterest income to average assets | 0.2223% | 5,598 |
| Noninterest expense to average assets | 2.6167% | 4,144 |
| Loan and lease loss provision to assets | 0.1310% | 1,915 |
| Net operating income to assets | 0.8332% | 3,267 |
| Return on assets (ROA) | 0.8332% | 3,355 |
| Pretax return on assets | 0.8357% | 4,235 |
| Return on Equity (ROE) | 8.3519% | 3,009 |
| Retained earnings to average equity (ytd only) | 4.1889% | 3,666 |
| Net charge-offs to loans | 0.0611% | 3,333 |
| Credit loss provision to net charge-offs | 310.2041% | 888 |
| Earnings coverage of net charge-offs (x) | 22.8985% | 1,614 |
| Efficiency ratio | 73.0224% | 2,991 |
| Assets per employee ($millions) | 4.1931% | 3,500 |
| Cash dividends to net income (ytd only)* | 49.8449% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8787% | 1,508 |
| Loan loss allowance to noncurrent loans | 73.3790% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 2.0272% | 1,405 |
| Noncurrent loans to loans | 2.5603% | 1,133 |
| Net loans and leases to total assets | 70.4796% | 2,117 |
| Net loans and leases to deposits | 81.8755% | 2,440 |
| Net loans and leases to core deposits | 88.8693% | 2,339 |
| Total domestic deposits to total assets | 86.0815% | 2,805 |
| Equity capital to assets | 10.4227% | 3,653 |
| Core capital (leverage) ratio | 10.1100% | 3,516 |
| Tier 1 risk-based capital ratio | 14.5674% | 3,845 |
| Total risk-based capital ratio | 15.8247% | 3,781 |
| Memoranda: | ||
| Average total assets | $154,747,250 | 3,593 |
| Average earning assets | $145,801,500 | 3,546 |
| Average equity | $15,437,250 | 3,780 |
| Average total loans | $106,865,750 | 3,307 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2199% | 2,879 |
| Cost of funding earning assets | 0.6717% | 1,365 |
| Net interest margin | 3.5482% | 3,579 |
| Noninterest income to average assets | 0.2205% | 5,629 |
| Noninterest expense to average assets | 2.5831% | 4,296 |
| Loan and lease loss provision to assets | 0.1333% | 1,859 |
| Net operating income to assets | 0.8333% | 3,162 |
| Return on assets (ROA) | 0.8333% | 3,252 |
| Pretax return on assets | 0.8358% | 4,138 |
| Return on Equity (ROE) | 8.4753% | 2,849 |
| Retained earnings to average equity (ytd only) | 4.5897% | 3,241 |
| Net charge-offs to loans | 0.0771% | 2,916 |
| Credit loss provision to net charge-offs | 253.6585% | 980 |
| Earnings coverage of net charge-offs (x) | 18.4390% | 1,687 |
| Efficiency ratio | 72.7174% | 3,208 |
| Assets per employee ($millions) | 4.2602% | 3,353 |
| Cash dividends to net income (ytd only)* | 45.8462% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8637% | 1,668 |
| Loan loss allowance to noncurrent loans | 90.4438% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.7788% | 1,823 |
| Noncurrent loans to loans | 2.0606% | 1,629 |
| Net loans and leases to total assets | 68.5660% | 2,314 |
| Net loans and leases to deposits | 80.6017% | 2,436 |
| Net loans and leases to core deposits | 87.9931% | 2,320 |
| Total domestic deposits to total assets | 85.0677% | 3,469 |
| Equity capital to assets | 10.1946% | 3,833 |
| Core capital (leverage) ratio | 10.3364% | 3,157 |
| Tier 1 risk-based capital ratio | 14.5504% | 3,894 |
| Total risk-based capital ratio | 15.8076% | 3,838 |
| Memoranda: | ||
| Average total assets | $156,013,000 | 3,592 |
| Average earning assets | $146,497,000 | 3,551 |
| Average equity | $15,338,670 | 3,795 |
| Average total loans | $106,345,670 | 3,326 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0410% | 3,518 |
| Cost of funding earning assets | 0.6794% | 1,368 |
| Net interest margin | 3.3616% | 4,285 |
| Noninterest income to average assets | 0.2542% | 5,330 |
| Noninterest expense to average assets | 2.5957% | 4,284 |
| Loan and lease loss provision to assets | 0.1983% | 1,178 |
| Net operating income to assets | 0.6152% | 4,127 |
| Return on assets (ROA) | 0.6152% | 4,200 |
| Pretax return on assets | 0.6178% | 4,776 |
| Return on Equity (ROE) | 6.3724% | 3,818 |
| Retained earnings to average equity (ytd only) | 1.0533% | 5,176 |
| Net charge-offs to loans | -0.1057% | 6,139 |
| Credit loss provision to net charge-offs | -278.5714% | 5,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0805% | 2,791 |
| Assets per employee ($millions) | 4.3751% | 3,193 |
| Cash dividends to net income (ytd only)* | 83.4711% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9404% | 1,647 |
| Loan loss allowance to noncurrent loans | 100.9901% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.6406% | 2,155 |
| Noncurrent loans to loans | 1.9214% | 1,963 |
| Net loans and leases to total assets | 65.4540% | 2,644 |
| Net loans and leases to deposits | 75.2172% | 2,918 |
| Net loans and leases to core deposits | 81.2330% | 2,823 |
| Total domestic deposits to total assets | 87.0199% | 2,797 |
| Equity capital to assets | 9.6862% | 4,246 |
| Core capital (leverage) ratio | 9.7196% | 3,969 |
| Tier 1 risk-based capital ratio | 14.4210% | 4,051 |
| Total risk-based capital ratio | 15.6791% | 4,005 |
| Memoranda: | ||
| Average total assets | $157,336,500 | 3,601 |
| Average earning assets | $147,785,500 | 3,547 |
| Average equity | $15,190,500 | 3,832 |
| Average total loans | $105,941,500 | 3,347 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3337% | 2,832 |
| Cost of funding earning assets | 0.7736% | 1,353 |
| Net interest margin | 3.5601% | 3,635 |
| Noninterest income to average assets | 0.2549% | 5,525 |
| Noninterest expense to average assets | 2.3862% | 5,109 |
| Loan and lease loss provision to assets | 0.1993% | 1,869 |
| Net operating income to assets | 1.0443% | 2,139 |
| Return on assets (ROA) | 1.0404% | 2,224 |
| Pretax return on assets | 1.0242% | 3,249 |
| Return on Equity (ROE) | 10.9064% | 1,796 |
| Retained earnings to average equity (ytd only) | 5.5685% | 2,237 |
| Net charge-offs to loans | 0.2520% | 2,460 |
| Credit loss provision to net charge-offs | 116.6667% | 2,064 |
| Earnings coverage of net charge-offs (x) | 7.1856% | 2,896 |
| Efficiency ratio | 66.0340% | 4,550 |
| Assets per employee ($millions) | 4.2478% | 3,362 |
| Cash dividends to net income (ytd only)* | 48.9428% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8117% | 2,031 |
| Loan loss allowance to noncurrent loans | 159.7027% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 1.1033% | 3,205 |
| Noncurrent loans to loans | 1.1344% | 3,274 |
| Net loans and leases to total assets | 66.6902% | 2,577 |
| Net loans and leases to deposits | 79.1149% | 2,572 |
| Net loans and leases to core deposits | 83.5968% | 2,714 |
| Total domestic deposits to total assets | 84.2953% | 4,053 |
| Equity capital to assets | 9.6233% | 4,255 |
| Core capital (leverage) ratio | 9.9032% | 3,694 |
| Tier 1 risk-based capital ratio | 14.3588% | 4,042 |
| Total risk-based capital ratio | 15.6157% | 3,985 |
| Memoranda: | ||
| Average total assets | $154,552,800 | 3,632 |
| Average earning assets | $145,810,800 | 3,575 |
| Average equity | $14,743,600 | 3,911 |
| Average total loans | $104,761,800 | 3,349 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3039% | 2,978 |
| Cost of funding earning assets | 0.8050% | 1,293 |
| Net interest margin | 3.4989% | 3,891 |
| Noninterest income to average assets | 0.2712% | 5,508 |
| Noninterest expense to average assets | 2.4448% | 4,890 |
| Loan and lease loss provision to assets | 0.1767% | 2,059 |
| Net operating income to assets | 0.9556% | 2,559 |
| Return on assets (ROA) | 0.9556% | 2,663 |
| Pretax return on assets | 0.9556% | 3,668 |
| Return on Equity (ROE) | 10.0396% | 2,161 |
| Retained earnings to average equity (ytd only) | 4.3235% | 3,599 |
| Net charge-offs to loans | 0.2212% | 2,485 |
| Credit loss provision to net charge-offs | 117.9191% | 1,993 |
| Earnings coverage of net charge-offs (x) | 7.5549% | 2,782 |
| Efficiency ratio | 68.3458% | 4,025 |
| Assets per employee ($millions) | 4.7183% | 2,548 |
| Cash dividends to net income (ytd only)* | 56.9355% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8243% | 2,224 |
| Loan loss allowance to noncurrent loans | 126.9663% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 1.2588% | 3,122 |
| Noncurrent loans to loans | 1.4369% | 3,007 |
| Net loans and leases to total assets | 66.3939% | 2,572 |
| Net loans and leases to deposits | 74.2221% | 3,204 |
| Net loans and leases to core deposits | 78.5392% | 3,293 |
| Total domestic deposits to total assets | 89.4531% | 1,327 |
| Equity capital to assets | 9.5168% | 4,533 |
| Core capital (leverage) ratio | 9.6823% | 4,125 |
| Tier 1 risk-based capital ratio | 14.1415% | 4,327 |
| Total risk-based capital ratio | 15.4040% | 4,268 |
| Memoranda: | ||
| Average total assets | $153,898,500 | 3,676 |
| Average earning assets | $145,413,750 | 3,618 |
| Average equity | $14,648,250 | 3,982 |
| Average total loans | $104,264,500 | 3,382 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3153% | 2,887 |
| Cost of funding earning assets | 0.8409% | 1,195 |
| Net interest margin | 3.4743% | 3,904 |
| Noninterest income to average assets | 0.2453% | 5,698 |
| Noninterest expense to average assets | 2.4332% | 4,955 |
| Loan and lease loss provision to assets | 0.1683% | 2,234 |
| Net operating income to assets | 0.9211% | 2,694 |
| Return on assets (ROA) | 0.9211% | 2,832 |
| Pretax return on assets | 0.9211% | 3,829 |
| Return on Equity (ROE) | 9.6768% | 2,328 |
| Retained earnings to average equity (ytd only) | 2.9743% | 4,426 |
| Net charge-offs to loans | 0.2194% | 2,429 |
| Credit loss provision to net charge-offs | 113.1579% | 1,954 |
| Earnings coverage of net charge-offs (x) | 7.3246% | 2,562 |
| Efficiency ratio | 69.0741% | 3,997 |
| Assets per employee ($millions) | 4.0878% | 3,607 |
| Cash dividends to net income (ytd only)* | 69.2635% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8468% | 2,270 |
| Loan loss allowance to noncurrent loans | 144.6469% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 1.1379% | 3,467 |
| Noncurrent loans to loans | 1.2767% | 3,421 |
| Net loans and leases to total assets | 66.9413% | 2,424 |
| Net loans and leases to deposits | 74.2097% | 3,123 |
| Net loans and leases to core deposits | 78.4704% | 3,229 |
| Total domestic deposits to total assets | 90.2056% | 903 |
| Equity capital to assets | 9.5895% | 4,465 |
| Core capital (leverage) ratio | 9.5564% | 4,152 |
| Tier 1 risk-based capital ratio | 14.2861% | 4,239 |
| Total risk-based capital ratio | 15.5433% | 4,184 |
| Memoranda: | ||
| Average total assets | $153,296,670 | 3,717 |
| Average earning assets | $144,602,670 | 3,653 |
| Average equity | $14,591,670 | 4,025 |
| Average total loans | $103,919,670 | 3,404 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2523% | 3,094 |
| Cost of funding earning assets | 0.8841% | 1,061 |
| Net interest margin | 3.3682% | 4,240 |
| Noninterest income to average assets | 0.2307% | 5,805 |
| Noninterest expense to average assets | 2.3458% | 5,282 |
| Loan and lease loss provision to assets | 0.1322% | 2,584 |
| Net operating income to assets | 0.9228% | 2,558 |
| Return on assets (ROA) | 0.9228% | 2,698 |
| Pretax return on assets | 0.9228% | 3,680 |
| Return on Equity (ROE) | 9.7298% | 2,175 |
| Retained earnings to average equity (ytd only) | 2.5964% | 4,723 |
| Net charge-offs to loans | 0.0614% | 3,204 |
| Credit loss provision to net charge-offs | 318.7500% | 760 |
| Earnings coverage of net charge-offs (x) | 25.4375% | 1,051 |
| Efficiency ratio | 68.9787% | 4,148 |
| Assets per employee ($millions) | 4.2921% | 3,353 |
| Cash dividends to net income (ytd only)* | 73.3146% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8171% | 2,561 |
| Loan loss allowance to noncurrent loans | 120.7784% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 1.2254% | 3,521 |
| Noncurrent loans to loans | 1.5045% | 3,296 |
| Net loans and leases to total assets | 65.4631% | 2,462 |
| Net loans and leases to deposits | 72.2717% | 3,149 |
| Net loans and leases to core deposits | 77.1761% | 3,180 |
| Total domestic deposits to total assets | 90.5791% | 725 |
| Equity capital to assets | 9.2515% | 5,195 |
| Core capital (leverage) ratio | 9.4491% | 4,167 |
| Tier 1 risk-based capital ratio | 13.6573% | 4,754 |
| Total risk-based capital ratio | 14.9141% | 4,714 |
| Memoranda: | ||
| Average total assets | $154,320,500 | 3,737 |
| Average earning assets | $145,240,500 | 3,673 |
| Average equity | $14,635,500 | 4,068 |
| Average total loans | $104,303,000 | 3,411 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8248% | 2,103 |
| Cost of funding earning assets | 1.1053% | 891 |
| Net interest margin | 3.7195% | 3,559 |
| Noninterest income to average assets | 0.1508% | 6,286 |
| Noninterest expense to average assets | 2.3133% | 5,655 |
| Loan and lease loss provision to assets | 0.2750% | 2,445 |
| Net operating income to assets | 1.0577% | 2,090 |
| Return on assets (ROA) | 1.0577% | 2,285 |
| Pretax return on assets | 1.0645% | 3,292 |
| Return on Equity (ROE) | 11.1095% | 1,772 |
| Retained earnings to average equity (ytd only) | 7.3179% | 1,415 |
| Net charge-offs to loans | 0.3566% | 2,849 |
| Credit loss provision to net charge-offs | 108.0429% | 2,734 |
| Earnings coverage of net charge-offs (x) | 5.2627% | 3,091 |
| Efficiency ratio | 63.3290% | 5,009 |
| Assets per employee ($millions) | 4.2810% | 3,399 |
| Cash dividends to net income (ytd only)* | 34.1290% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8399% | 2,465 |
| Loan loss allowance to noncurrent loans | 113.2415% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 1.3121% | 3,457 |
| Noncurrent loans to loans | 1.6248% | 3,190 |
| Net loans and leases to total assets | 67.2958% | 2,321 |
| Net loans and leases to deposits | 74.7180% | 2,994 |
| Net loans and leases to core deposits | 79.0777% | 3,140 |
| Total domestic deposits to total assets | 90.0663% | 914 |
| Equity capital to assets | 9.7301% | 4,556 |
| Core capital (leverage) ratio | 9.9054% | 3,534 |
| Tier 1 risk-based capital ratio | 14.1728% | 4,265 |
| Total risk-based capital ratio | 15.4298% | 4,219 |
| Memoranda: | ||
| Average total assets | $146,541,600 | 3,833 |
| Average earning assets | $137,975,000 | 3,754 |
| Average equity | $13,952,000 | 4,164 |
| Average total loans | $104,605,400 | 3,406 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7730% | 2,493 |
| Cost of funding earning assets | 1.1363% | 921 |
| Net interest margin | 3.6367% | 4,073 |
| Noninterest income to average assets | 0.1656% | 6,315 |
| Noninterest expense to average assets | 2.3570% | 5,525 |
| Loan and lease loss provision to assets | 0.3669% | 1,774 |
| Net operating income to assets | 0.8674% | 3,145 |
| Return on assets (ROA) | 0.8674% | 3,387 |
| Pretax return on assets | 0.8738% | 4,213 |
| Return on Equity (ROE) | 9.1624% | 2,726 |
| Retained earnings to average equity (ytd only) | 5.0644% | 3,325 |
| Net charge-offs to loans | 0.3477% | 2,711 |
| Credit loss provision to net charge-offs | 146.3504% | 1,947 |
| Earnings coverage of net charge-offs (x) | 4.9489% | 3,156 |
| Efficiency ratio | 65.5137% | 4,534 |
| Assets per employee ($millions) | 4.1941% | 3,484 |
| Cash dividends to net income (ytd only)* | 44.7257% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9180% | 2,416 |
| Loan loss allowance to noncurrent loans | 99.1022% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.8945% | 2,795 |
| Noncurrent loans to loans | 1.9354% | 2,915 |
| Net loans and leases to total assets | 69.2211% | 2,066 |
| Net loans and leases to deposits | 76.7745% | 2,859 |
| Net loans and leases to core deposits | 80.4413% | 3,147 |
| Total domestic deposits to total assets | 90.1616% | 759 |
| Equity capital to assets | 9.5932% | 5,074 |
| Core capital (leverage) ratio | 9.3385% | 4,519 |
| Tier 1 risk-based capital ratio | 13.8136% | 4,682 |
| Total risk-based capital ratio | 15.0721% | 4,632 |
| Memoranda: | ||
| Average total assets | $145,718,500 | 3,886 |
| Average earning assets | $137,519,500 | 3,799 |
| Average equity | $13,795,250 | 4,240 |
| Average total loans | $105,076,250 | 3,430 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7882% | 2,557 |
| Cost of funding earning assets | 1.1617% | 973 |
| Net interest margin | 3.6265% | 4,159 |
| Noninterest income to average assets | 0.1472% | 6,460 |
| Noninterest expense to average assets | 2.2702% | 5,819 |
| Loan and lease loss provision to assets | 0.4128% | 1,593 |
| Net operating income to assets | 0.8806% | 2,995 |
| Return on assets (ROA) | 0.8806% | 3,251 |
| Pretax return on assets | 0.8874% | 4,126 |
| Return on Equity (ROE) | 9.3433% | 2,653 |
| Retained earnings to average equity (ytd only) | 4.9052% | 3,331 |
| Net charge-offs to loans | 0.5608% | 1,914 |
| Credit loss provision to net charge-offs | 101.3514% | 2,684 |
| Earnings coverage of net charge-offs (x) | 3.1926% | 3,462 |
| Efficiency ratio | 63.5838% | 4,971 |
| Assets per employee ($millions) | 4.4701% | 2,959 |
| Cash dividends to net income (ytd only)* | 47.5000% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7880% | 2,891 |
| Loan loss allowance to noncurrent loans | 110.4920% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 1.5517% | 3,375 |
| Noncurrent loans to loans | 1.6182% | 3,482 |
| Net loans and leases to total assets | 69.4106% | 2,024 |
| Net loans and leases to deposits | 76.8133% | 2,870 |
| Net loans and leases to core deposits | 81.5790% | 3,010 |
| Total domestic deposits to total assets | 90.3628% | 730 |
| Equity capital to assets | 9.4189% | 5,168 |
| Core capital (leverage) ratio | 9.5502% | 4,079 |
| Tier 1 risk-based capital ratio | 13.4799% | 4,843 |
| Total risk-based capital ratio | 14.7363% | 4,795 |
| Memoranda: | ||
| Average total assets | $145,360,670 | 3,915 |
| Average earning assets | $137,212,000 | 3,829 |
| Average equity | $13,699,670 | 4,257 |
| Average total loans | $105,569,000 | 3,443 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8586% | 2,404 |
| Cost of funding earning assets | 1.2066% | 955 |
| Net interest margin | 3.6520% | 4,042 |
| Noninterest income to average assets | 0.1109% | 6,691 |
| Noninterest expense to average assets | 2.3370% | 5,671 |
| Loan and lease loss provision to assets | 0.4158% | 1,515 |
| Net operating income to assets | 0.8012% | 3,373 |
| Return on assets (ROA) | 0.8012% | 3,607 |
| Pretax return on assets | 0.8067% | 4,390 |
| Return on Equity (ROE) | 8.4984% | 3,057 |
| Retained earnings to average equity (ytd only) | 2.6172% | 4,951 |
| Net charge-offs to loans | 0.5196% | 1,791 |
| Credit loss provision to net charge-offs | 108.6957% | 2,151 |
| Earnings coverage of net charge-offs (x) | 3.1957% | 2,924 |
| Efficiency ratio | 65.6542% | 4,622 |
| Assets per employee ($millions) | 4.8288% | 2,471 |
| Cash dividends to net income (ytd only)* | 69.2042% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7716% | 3,087 |
| Loan loss allowance to noncurrent loans | 87.2727% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.7299% | 3,267 |
| Noncurrent loans to loans | 2.0300% | 3,113 |
| Net loans and leases to total assets | 71.6498% | 1,463 |
| Net loans and leases to deposits | 79.2787% | 2,302 |
| Net loans and leases to core deposits | 89.9802% | 1,851 |
| Total domestic deposits to total assets | 90.3771% | 879 |
| Equity capital to assets | 9.4206% | 4,921 |
| Core capital (leverage) ratio | 9.1650% | 4,580 |
| Tier 1 risk-based capital ratio | 13.0557% | 5,170 |
| Total risk-based capital ratio | 14.3118% | 5,132 |
| Memoranda: | ||
| Average total assets | $144,285,000 | 3,966 |
| Average earning assets | $136,254,500 | 3,877 |
| Average equity | $13,602,500 | 4,276 |
| Average total loans | $106,227,000 | 3,453 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3413% | 1,589 |
| Cost of funding earning assets | 1.4771% | 782 |
| Net interest margin | 3.8642% | 3,498 |
| Noninterest income to average assets | 0.1238% | 6,529 |
| Noninterest expense to average assets | 2.2092% | 6,249 |
| Loan and lease loss provision to assets | 0.5419% | 1,939 |
| Net operating income to assets | 1.0281% | 2,096 |
| Return on assets (ROA) | 1.0281% | 2,244 |
| Pretax return on assets | 1.0354% | 3,101 |
| Return on Equity (ROE) | 10.9828% | 1,700 |
| Retained earnings to average equity (ytd only) | 6.2111% | 1,905 |
| Net charge-offs to loans | 0.5008% | 2,989 |
| Credit loss provision to net charge-offs | 135.2834% | 2,216 |
| Earnings coverage of net charge-offs (x) | 3.9378% | 3,329 |
| Efficiency ratio | 58.3446% | 6,006 |
| Assets per employee ($millions) | 4.7902% | 2,461 |
| Cash dividends to net income (ytd only)* | 43.4473% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7418% | 3,054 |
| Loan loss allowance to noncurrent loans | 86.9972% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 1.7598% | 3,311 |
| Noncurrent loans to loans | 2.0021% | 3,202 |
| Net loans and leases to total assets | 73.0152% | 1,451 |
| Net loans and leases to deposits | 80.7847% | 2,393 |
| Net loans and leases to core deposits | 86.2002% | 2,609 |
| Total domestic deposits to total assets | 90.3825% | 772 |
| Equity capital to assets | 9.4345% | 4,983 |
| Core capital (leverage) ratio | 9.6062% | 3,858 |
| Tier 1 risk-based capital ratio | 13.1553% | 4,954 |
| Total risk-based capital ratio | 14.4119% | 4,929 |
| Memoranda: | ||
| Average total assets | $136,565,200 | 4,041 |
| Average earning assets | $129,444,600 | 3,942 |
| Average equity | $12,783,600 | 4,376 |
| Average total loans | $109,229,200 | 3,399 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4232% | 1,450 |
| Cost of funding earning assets | 1.5365% | 750 |
| Net interest margin | 3.8866% | 3,449 |
| Noninterest income to average assets | 0.1237% | 6,644 |
| Noninterest expense to average assets | 2.2664% | 6,129 |
| Loan and lease loss provision to assets | 0.5441% | 1,810 |
| Net operating income to assets | 0.9972% | 2,333 |
| Return on assets (ROA) | 0.9972% | 2,484 |
| Pretax return on assets | 1.0041% | 3,381 |
| Return on Equity (ROE) | 10.6749% | 1,962 |
| Retained earnings to average equity (ytd only) | 4.2149% | 3,732 |
| Net charge-offs to loans | 0.5766% | 2,523 |
| Credit loss provision to net charge-offs | 115.7895% | 2,822 |
| Earnings coverage of net charge-offs (x) | 3.2947% | 3,496 |
| Efficiency ratio | 59.4139% | 5,805 |
| Assets per employee ($millions) | 4.3678% | 3,143 |
| Cash dividends to net income (ytd only)* | 60.5155% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5947% | 3,690 |
| Loan loss allowance to noncurrent loans | 64.5185% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 2.2416% | 2,846 |
| Noncurrent loans to loans | 2.4717% | 2,806 |
| Net loans and leases to total assets | 76.9090% | 850 |
| Net loans and leases to deposits | 85.2499% | 1,797 |
| Net loans and leases to core deposits | 89.9096% | 2,258 |
| Total domestic deposits to total assets | 90.2160% | 761 |
| Equity capital to assets | 9.4170% | 5,219 |
| Core capital (leverage) ratio | 9.2445% | 4,553 |
| Tier 1 risk-based capital ratio | 12.7081% | 5,323 |
| Total risk-based capital ratio | 13.9632% | 5,296 |
| Memoranda: | ||
| Average total assets | $134,779,750 | 4,102 |
| Average earning assets | $127,991,250 | 3,994 |
| Average equity | $12,590,000 | 4,430 |
| Average total loans | $109,839,500 | 3,415 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6069% | 1,061 |
| Cost of funding earning assets | 1.6088% | 671 |
| Net interest margin | 3.9982% | 2,846 |
| Noninterest income to average assets | 0.1427% | 6,610 |
| Noninterest expense to average assets | 2.2582% | 6,221 |
| Loan and lease loss provision to assets | 0.6010% | 1,606 |
| Net operating income to assets | 1.0697% | 1,973 |
| Return on assets (ROA) | 1.0697% | 2,059 |
| Pretax return on assets | 1.0773% | 2,945 |
| Return on Equity (ROE) | 11.4845% | 1,643 |
| Retained earnings to average equity (ytd only) | 4.5486% | 3,292 |
| Net charge-offs to loans | 0.3944% | 2,976 |
| Credit loss provision to net charge-offs | 184.3318% | 1,638 |
| Earnings coverage of net charge-offs (x) | 5.1475% | 2,682 |
| Efficiency ratio | 57.3664% | 6,248 |
| Assets per employee ($millions) | 3.9796% | 3,794 |
| Cash dividends to net income (ytd only)* | 60.3933% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6724% | 3,413 |
| Loan loss allowance to noncurrent loans | 87.7193% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.8789% | 3,395 |
| Noncurrent loans to loans | 1.9066% | 3,600 |
| Net loans and leases to total assets | 78.0902% | 767 |
| Net loans and leases to deposits | 86.4040% | 1,730 |
| Net loans and leases to core deposits | 92.0764% | 2,118 |
| Total domestic deposits to total assets | 90.3780% | 774 |
| Equity capital to assets | 9.3664% | 5,047 |
| Core capital (leverage) ratio | 9.6325% | 3,761 |
| Tier 1 risk-based capital ratio | 12.2370% | 5,575 |
| Total risk-based capital ratio | 13.4930% | 5,554 |
| Memoranda: | ||
| Average total assets | $133,116,670 | 4,161 |
| Average earning assets | $126,307,670 | 4,062 |
| Average equity | $12,399,330 | 4,450 |
| Average total loans | $110,040,330 | 3,454 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7284% | 836 |
| Cost of funding earning assets | 1.7091% | 529 |
| Net interest margin | 4.0193% | 2,608 |
| Noninterest income to average assets | 0.1661% | 6,539 |
| Noninterest expense to average assets | 2.1841% | 6,457 |
| Loan and lease loss provision to assets | 0.4614% | 1,912 |
| Net operating income to assets | 1.3197% | 1,225 |
| Return on assets (ROA) | 1.3197% | 1,269 |
| Pretax return on assets | 1.3258% | 1,958 |
| Return on Equity (ROE) | 14.2100% | 949 |
| Retained earnings to average equity (ytd only) | 10.2352% | 1,070 |
| Net charge-offs to loans | 0.0255% | 4,730 |
| Credit loss provision to net charge-offs | 2,142.8571% | 186 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 369 |
| Efficiency ratio | 54.9961% | 6,604 |
| Assets per employee ($millions) | 4.1422% | 3,560 |
| Cash dividends to net income (ytd only)* | 27.9720% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6455% | 3,546 |
| Loan loss allowance to noncurrent loans | 158.0786% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 1.0449% | 4,828 |
| Noncurrent loans to loans | 1.0410% | 4,977 |
| Net loans and leases to total assets | 81.6189% | 373 |
| Net loans and leases to deposits | 90.8278% | 1,141 |
| Net loans and leases to core deposits | 95.8874% | 1,684 |
| Total domestic deposits to total assets | 89.8611% | 1,237 |
| Equity capital to assets | 9.8628% | 3,952 |
| Core capital (leverage) ratio | 9.8510% | 3,334 |
| Tier 1 risk-based capital ratio | 12.3267% | 5,418 |
| Total risk-based capital ratio | 13.5818% | 5,407 |
| Memoranda: | ||
| Average total assets | $130,032,500 | 4,262 |
| Average earning assets | $123,106,000 | 4,159 |
| Average equity | $12,076,000 | 4,532 |
| Average total loans | $109,751,500 | 3,496 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9251% | 989 |
| Cost of funding earning assets | 1.9917% | 626 |
| Net interest margin | 3.9334% | 3,330 |
| Noninterest income to average assets | 0.1649% | 6,542 |
| Noninterest expense to average assets | 2.2196% | 6,568 |
| Loan and lease loss provision to assets | 0.4371% | 3,500 |
| Net operating income to assets | 1.2048% | 1,403 |
| Return on assets (ROA) | 1.2048% | 1,480 |
| Pretax return on assets | 1.2130% | 2,180 |
| Return on Equity (ROE) | 15.4376% | 656 |
| Retained earnings to average equity (ytd only) | 9.2959% | 640 |
| Net charge-offs to loans | 0.1215% | 5,673 |
| Credit loss provision to net charge-offs | 413.8462% | 581 |
| Earnings coverage of net charge-offs (x) | 15.6231% | 1,271 |
| Efficiency ratio | 57.3588% | 6,409 |
| Assets per employee ($millions) | 3.9849% | 3,816 |
| Cash dividends to net income (ytd only)* | 39.7842% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 3,887 |
| Loan loss allowance to noncurrent loans | 63.4081% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 2.8843% | 2,434 |
| Noncurrent loans to loans | 2.4007% | 3,117 |
| Net loans and leases to total assets | 84.5706% | 262 |
| Net loans and leases to deposits | 92.8599% | 1,158 |
| Net loans and leases to core deposits | 98.2302% | 1,776 |
| Total domestic deposits to total assets | 91.0733% | 568 |
| Equity capital to assets | 8.6883% | 5,601 |
| Core capital (leverage) ratio | 8.6474% | 5,109 |
| Tier 1 risk-based capital ratio | 10.7422% | 6,536 |
| Total risk-based capital ratio | 11.9959% | 6,502 |
| Memoranda: | ||
| Average total assets | $123,087,800 | 4,424 |
| Average earning assets | $115,931,200 | 4,321 |
| Average equity | $9,606,400 | 5,233 |
| Average total loans | $106,976,000 | 3,612 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9473% | 1,038 |
| Cost of funding earning assets | 2.0389% | 665 |
| Net interest margin | 3.9085% | 3,497 |
| Noninterest income to average assets | 0.1629% | 6,700 |
| Noninterest expense to average assets | 2.1227% | 6,803 |
| Loan and lease loss provision to assets | 0.4241% | 3,367 |
| Net operating income to assets | 1.2920% | 1,352 |
| Return on assets (ROA) | 1.2920% | 1,434 |
| Pretax return on assets | 1.2996% | 2,170 |
| Return on Equity (ROE) | 17.0591% | 581 |
| Retained earnings to average equity (ytd only) | 11.4304% | 539 |
| Net charge-offs to loans | 0.0790% | 5,734 |
| Credit loss provision to net charge-offs | 615.8730% | 478 |
| Earnings coverage of net charge-offs (x) | 25.0311% | 1,008 |
| Efficiency ratio | 55.1861% | 6,658 |
| Assets per employee ($millions) | 3.9570% | 3,927 |
| Cash dividends to net income (ytd only)* | 32.9951% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 4,480 |
| Loan loss allowance to noncurrent loans | 78.6885% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 2.6811% | 2,692 |
| Noncurrent loans to loans | 1.7750% | 3,981 |
| Net loans and leases to total assets | 88.3127% | 99 |
| Net loans and leases to deposits | 96.7989% | 900 |
| Net loans and leases to core deposits | 103.6933% | 1,513 |
| Total domestic deposits to total assets | 91.2332% | 373 |
| Equity capital to assets | 8.5094% | 6,266 |
| Core capital (leverage) ratio | 8.3745% | 5,747 |
| Tier 1 risk-based capital ratio | 10.0006% | 7,071 |
| Total risk-based capital ratio | 11.2527% | 7,055 |
| Memoranda: | ||
| Average total assets | $121,980,750 | 4,505 |
| Average earning assets | $114,961,500 | 4,405 |
| Average equity | $9,238,250 | 5,418 |
| Average total loans | $106,343,000 | 3,673 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8575% | 1,285 |
| Cost of funding earning assets | 2.1029% | 651 |
| Net interest margin | 3.7546% | 4,108 |
| Noninterest income to average assets | 0.1561% | 6,772 |
| Noninterest expense to average assets | 2.1157% | 6,850 |
| Loan and lease loss provision to assets | 0.3986% | 3,332 |
| Net operating income to assets | 1.1708% | 1,644 |
| Return on assets (ROA) | 1.1708% | 1,705 |
| Pretax return on assets | 1.1791% | 2,482 |
| Return on Equity (ROE) | 16.1586% | 679 |
| Retained earnings to average equity (ytd only) | 7.2198% | 1,747 |
| Net charge-offs to loans | 0.0942% | 5,197 |
| Credit loss provision to net charge-offs | 489.7959% | 759 |
| Earnings coverage of net charge-offs (x) | 19.3878% | 1,255 |
| Efficiency ratio | 57.2842% | 6,476 |
| Assets per employee ($millions) | 4.0963% | 3,585 |
| Cash dividends to net income (ytd only)* | 55.3191% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 4,877 |
| Loan loss allowance to noncurrent loans | 75.6785% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 2.5972% | 2,793 |
| Noncurrent loans to loans | 1.7262% | 4,100 |
| Net loans and leases to total assets | 86.2685% | 211 |
| Net loans and leases to deposits | 94.8574% | 1,165 |
| Net loans and leases to core deposits | 103.8645% | 1,657 |
| Total domestic deposits to total assets | 90.9454% | 509 |
| Equity capital to assets | 7.5985% | 7,053 |
| Core capital (leverage) ratio | 7.7696% | 6,532 |
| Tier 1 risk-based capital ratio | 9.1337% | 7,389 |
| Total risk-based capital ratio | 10.3851% | 7,387 |
| Memoranda: | ||
| Average total assets | $120,432,670 | 4,557 |
| Average earning assets | $113,461,670 | 4,462 |
| Average equity | $8,726,000 | 5,579 |
| Average total loans | $103,987,330 | 3,769 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9000% | 1,202 |
| Cost of funding earning assets | 2.1721% | 644 |
| Net interest margin | 3.7278% | 4,111 |
| Noninterest income to average assets | 0.1502% | 6,892 |
| Noninterest expense to average assets | 2.1066% | 6,921 |
| Loan and lease loss provision to assets | 0.6931% | 1,835 |
| Net operating income to assets | 0.8536% | 2,742 |
| Return on assets (ROA) | 0.8536% | 2,831 |
| Pretax return on assets | 0.8604% | 3,626 |
| Return on Equity (ROE) | 12.0999% | 1,475 |
| Retained earnings to average equity (ytd only) | 12.0999% | 731 |
| Net charge-offs to loans | 0.0478% | 4,925 |
| Credit loss provision to net charge-offs | 1,691.6667% | 298 |
| Earnings coverage of net charge-offs (x) | 37.9167% | 724 |
| Efficiency ratio | 57.5560% | 6,556 |
| Assets per employee ($millions) | 4.1503% | 3,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 4,400 |
| Loan loss allowance to noncurrent loans | 159.3407% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 1.8196% | 3,754 |
| Noncurrent loans to loans | 0.8818% | 5,553 |
| Net loans and leases to total assets | 84.5336% | 327 |
| Net loans and leases to deposits | 92.4029% | 1,554 |
| Net loans and leases to core deposits | 102.4138% | 1,860 |
| Total domestic deposits to total assets | 91.4837% | 378 |
| Equity capital to assets | 6.9692% | 7,388 |
| Core capital (leverage) ratio | 7.0722% | 7,205 |
| Tier 1 risk-based capital ratio | 8.6102% | 7,546 |
| Total risk-based capital ratio | 9.8628% | 7,566 |
| Memoranda: | ||
| Average total assets | $117,156,500 | 4,690 |
| Average earning assets | $110,306,000 | 4,604 |
| Average equity | $8,264,500 | 5,748 |
| Average total loans | $100,482,000 | 3,947 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0964% | 1,525 |
| Cost of funding earning assets | 2.7548% | 507 |
| Net interest margin | 3.3416% | 5,576 |
| Noninterest income to average assets | 0.2095% | 6,606 |
| Noninterest expense to average assets | 2.2421% | 6,889 |
| Loan and lease loss provision to assets | 0.6470% | 3,216 |
| Net operating income to assets | 0.4780% | 3,822 |
| Return on assets (ROA) | 0.4780% | 3,923 |
| Pretax return on assets | 0.4712% | 4,279 |
| Return on Equity (ROE) | 6.3012% | 3,076 |
| Retained earnings to average equity (ytd only) | -1.1075% | 5,286 |
| Net charge-offs to loans | 0.2037% | 5,360 |
| Credit loss provision to net charge-offs | 358.2888% | 893 |
| Earnings coverage of net charge-offs (x) | 6.1925% | 2,418 |
| Efficiency ratio | 66.7241% | 5,242 |
| Assets per employee ($millions) | 3.7985% | 4,290 |
| Cash dividends to net income (ytd only)* | 117.5758% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 4,831 |
| Loan loss allowance to noncurrent loans | 93.7453% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 2.1816% | 3,156 |
| Noncurrent loans to loans | 1.3736% | 4,627 |
| Net loans and leases to total assets | 84.6931% | 377 |
| Net loans and leases to deposits | 92.8464% | 1,759 |
| Net loans and leases to core deposits | 140.9922% | 774 |
| Total domestic deposits to total assets | 91.2185% | 461 |
| Equity capital to assets | 7.1440% | 7,297 |
| Core capital (leverage) ratio | 7.1842% | 7,085 |
| Tier 1 risk-based capital ratio | 8.9072% | 7,509 |
| Total risk-based capital ratio | 10.1585% | 7,529 |
| Memoranda: | ||
| Average total assets | $103,561,600 | 4,995 |
| Average earning assets | $97,648,000 | 4,903 |
| Average equity | $7,855,600 | 5,973 |
| Average total loans | $91,811,200 | 4,161 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1253% | 1,563 |
| Cost of funding earning assets | 2.7963% | 601 |
| Net interest margin | 3.3290% | 5,532 |
| Noninterest income to average assets | 0.2166% | 6,682 |
| Noninterest expense to average assets | 2.1697% | 7,052 |
| Loan and lease loss provision to assets | 0.2905% | 4,650 |
| Net operating income to assets | 0.9125% | 2,378 |
| Return on assets (ROA) | 0.9125% | 2,445 |
| Pretax return on assets | 0.9006% | 3,224 |
| Return on Equity (ROE) | 11.8356% | 1,401 |
| Retained earnings to average equity (ytd only) | 6.5773% | 1,675 |
| Net charge-offs to loans | 0.2628% | 4,401 |
| Credit loss provision to net charge-offs | 123.5955% | 4,078 |
| Earnings coverage of net charge-offs (x) | 5.0674% | 2,935 |
| Efficiency ratio | 64.5580% | 5,648 |
| Assets per employee ($millions) | 3.6250% | 4,620 |
| Cash dividends to net income (ytd only)* | 44.4280% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8539% | 6,938 |
| Loan loss allowance to noncurrent loans | 71.2544% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 2.5335% | 2,738 |
| Noncurrent loans to loans | 1.1984% | 4,946 |
| Net loans and leases to total assets | 84.5143% | 483 |
| Net loans and leases to deposits | 93.2525% | 2,009 |
| Net loans and leases to core deposits | 128.9448% | 1,505 |
| Total domestic deposits to total assets | 90.6296% | 545 |
| Equity capital to assets | 7.6681% | 7,175 |
| Core capital (leverage) ratio | 8.0500% | 6,276 |
| Tier 1 risk-based capital ratio | 9.6865% | 7,248 |
| Total risk-based capital ratio | 10.6070% | 7,440 |
| Memoranda: | ||
| Average total assets | $100,963,250 | 5,101 |
| Average earning assets | $95,361,000 | 4,995 |
| Average equity | $7,784,250 | 6,056 |
| Average total loans | $90,321,250 | 4,238 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1897% | 1,490 |
| Cost of funding earning assets | 2.9307% | 570 |
| Net interest margin | 3.2590% | 5,701 |
| Noninterest income to average assets | 0.2079% | 6,805 |
| Noninterest expense to average assets | 2.2849% | 6,796 |
| Loan and lease loss provision to assets | 0.3602% | 3,766 |
| Net operating income to assets | 0.6711% | 3,377 |
| Return on assets (ROA) | 0.6711% | 3,490 |
| Pretax return on assets | 0.6484% | 4,166 |
| Return on Equity (ROE) | 8.6856% | 2,478 |
| Retained earnings to average equity (ytd only) | 4.5027% | 2,788 |
| Net charge-offs to loans | 0.0520% | 5,765 |
| Credit loss provision to net charge-offs | 760.8696% | 616 |
| Earnings coverage of net charge-offs (x) | 21.3043% | 1,269 |
| Efficiency ratio | 69.3750% | 4,906 |
| Assets per employee ($millions) | 3.6510% | 4,452 |
| Cash dividends to net income (ytd only)* | 48.1595% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 6,252 |
| Loan loss allowance to noncurrent loans | 28.2238% | 6,616 |
| Noncurrent assets plus other real estate owned to assets | 3.2163% | 1,950 |
| Noncurrent loans to loans | 3.5410% | 1,975 |
| Net loans and leases to total assets | 89.9236% | 136 |
| Net loans and leases to deposits | 99.4666% | 1,337 |
| Net loans and leases to core deposits | 141.2473% | 962 |
| Total domestic deposits to total assets | 90.4059% | 667 |
| Equity capital to assets | 7.7238% | 7,045 |
| Core capital (leverage) ratio | 7.6694% | 6,803 |
| Tier 1 risk-based capital ratio | 9.6020% | 7,314 |
| Total risk-based capital ratio | 10.7309% | 7,361 |
| Memoranda: | ||
| Average total assets | $97,159,330 | 5,242 |
| Average earning assets | $91,992,000 | 5,123 |
| Average equity | $7,506,670 | 6,181 |
| Average total loans | $88,498,000 | 4,315 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1613% | 1,722 |
| Cost of funding earning assets | 3.0201% | 579 |
| Net interest margin | 3.1411% | 6,058 |
| Noninterest income to average assets | 0.1902% | 6,934 |
| Noninterest expense to average assets | 2.1136% | 7,082 |
| Loan and lease loss provision to assets | 0.1902% | 4,533 |
| Net operating income to assets | 0.9089% | 2,664 |
| Return on assets (ROA) | 0.9089% | 2,812 |
| Pretax return on assets | 0.8497% | 3,891 |
| Return on Equity (ROE) | 11.7615% | 1,738 |
| Retained earnings to average equity (ytd only) | 7.8228% | 1,884 |
| Net charge-offs to loans | -0.0463% | 7,673 |
| Credit loss provision to net charge-offs | -450.0000% | 6,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0241% | 5,138 |
| Assets per employee ($millions) | 3.6723% | 4,397 |
| Cash dividends to net income (ytd only)* | 33.4884% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 6,541 |
| Loan loss allowance to noncurrent loans | 28.6948% | 6,638 |
| Noncurrent assets plus other real estate owned to assets | 3.0015% | 1,880 |
| Noncurrent loans to loans | 3.2825% | 1,951 |
| Net loans and leases to total assets | 88.1414% | 251 |
| Net loans and leases to deposits | 99.9600% | 1,412 |
| Net loans and leases to core deposits | 145.4458% | 888 |
| Total domestic deposits to total assets | 88.1767% | 1,660 |
| Equity capital to assets | 7.9484% | 6,886 |
| Core capital (leverage) ratio | 8.3219% | 5,864 |
| Tier 1 risk-based capital ratio | 10.0818% | 6,826 |
| Total risk-based capital ratio | 11.1467% | 6,932 |
| Memoranda: | ||
| Average total assets | $94,624,500 | 5,351 |
| Average earning assets | $89,267,500 | 5,247 |
| Average equity | $7,312,000 | 6,291 |
| Average total loans | $86,319,000 | 4,411 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6076% | 2,446 |
| Cost of funding earning assets | 3.6890% | 279 |
| Net interest margin | 2.9186% | 7,113 |
| Noninterest income to average assets | 0.2502% | 6,660 |
| Noninterest expense to average assets | 2.3059% | 6,684 |
| Loan and lease loss provision to assets | 0.0555% | 6,718 |
| Net operating income to assets | 0.6594% | 4,069 |
| Return on assets (ROA) | 0.6594% | 3,915 |
| Pretax return on assets | 0.6717% | 4,476 |
| Return on Equity (ROE) | 8.4853% | 2,851 |
| Retained earnings to average equity (ytd only) | 3.0135% | 3,298 |
| Net charge-offs to loans | 0.0439% | 6,156 |
| Credit loss provision to net charge-offs | 145.1613% | 3,638 |
| Earnings coverage of net charge-offs (x) | 19.0323% | 1,668 |
| Efficiency ratio | 76.0260% | 3,233 |
| Assets per employee ($millions) | 3.4653% | 4,766 |
| Cash dividends to net income (ytd only)* | 64.4860% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9193% | 6,572 |
| Loan loss allowance to noncurrent loans | 39.1326% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 2.2010% | 2,218 |
| Noncurrent loans to loans | 2.3492% | 2,344 |
| Net loans and leases to total assets | 92.8299% | 57 |
| Net loans and leases to deposits | 105.2329% | 1,194 |
| Net loans and leases to core deposits | 146.7857% | 985 |
| Total domestic deposits to total assets | 88.2138% | 1,379 |
| Equity capital to assets | 7.4842% | 7,394 |
| Core capital (leverage) ratio | 7.3480% | 7,364 |
| Tier 1 risk-based capital ratio | 9.5544% | 7,248 |
| Total risk-based capital ratio | 10.6570% | 7,326 |
| Memoranda: | ||
| Average total assets | $81,138,000 | 5,655 |
| Average earning assets | $77,365,000 | 5,534 |
| Average equity | $6,305,000 | 6,701 |
| Average total loans | $70,591,600 | 4,847 |