Home > Community Business Bank > Performance and Condition Ratios
Community Business Bank, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6161% | 1,518 |
| Cost of funding earning assets | 0.5548% | 2,359 |
| Net interest margin | 4.0613% | 1,535 |
| Noninterest income to average assets | 0.1447% | 5,146 |
| Noninterest expense to average assets | 2.2103% | 4,394 |
| Loan and lease loss provision to assets | 0.0681% | 2,402 |
| Net operating income to assets | 1.2608% | 1,773 |
| Return on assets (ROA) | 1.2608% | 1,781 |
| Pretax return on assets | 1.7909% | 931 |
| Return on Equity (ROE) | 12.4919% | 1,411 |
| Retained earnings to average equity (ytd only) | 12.4919% | 598 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3173% | 4,767 |
| Assets per employee ($millions) | 9.4517% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0437% | 3,702 |
| Loan loss allowance to noncurrent loans | 124.8766% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.6304% | 2,427 |
| Noncurrent loans to loans | 0.8358% | 2,149 |
| Net loans and leases to total assets | 74.6451% | 1,765 |
| Net loans and leases to deposits | 96.0603% | 1,030 |
| Net loans and leases to core deposits | 131.5539% | 313 |
| Total domestic deposits to total assets | 77.7065% | 4,765 |
| Equity capital to assets | 10.3881% | 3,181 |
| Core capital (leverage) ratio | 10.2805% | 3,206 |
| Tier 1 risk-based capital ratio | 13.5905% | 3,605 |
| Total risk-based capital ratio | 14.5982% | 3,660 |
| Memoranda: | ||
| Average total assets | $329,004,500 | 2,023 |
| Average earning assets | $317,930,000 | 1,967 |
| Average equity | $33,205,500 | 2,174 |
| Average total loans | $241,609,500 | 1,890 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6033% | 1,420 |
| Cost of funding earning assets | 0.5033% | 2,303 |
| Net interest margin | 4.1000% | 1,436 |
| Noninterest income to average assets | 0.2207% | 4,831 |
| Noninterest expense to average assets | 2.0787% | 4,812 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1310% | 1,751 |
| Return on assets (ROA) | 1.1310% | 1,782 |
| Pretax return on assets | 2.1058% | 392 |
| Return on Equity (ROE) | 11.3819% | 1,366 |
| Retained earnings to average equity (ytd only) | 8.6354% | 578 |
| Net charge-offs to loans | 0.0153% | 3,581 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 191.1429% | 412 |
| Efficiency ratio | 49.6765% | 5,236 |
| Assets per employee ($millions) | 8.8592% | 470 |
| Cash dividends to net income (ytd only)* | 24.1303% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 3,753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 70.7956% | 2,396 |
| Net loans and leases to deposits | 83.8437% | 2,509 |
| Net loans and leases to core deposits | 124.5969% | 469 |
| Total domestic deposits to total assets | 84.4376% | 3,059 |
| Equity capital to assets | 9.8108% | 3,901 |
| Core capital (leverage) ratio | 9.8944% | 3,589 |
| Tier 1 risk-based capital ratio | 13.0088% | 3,899 |
| Total risk-based capital ratio | 13.9841% | 3,970 |
| Memoranda: | ||
| Average total assets | $317,691,200 | 2,074 |
| Average earning assets | $307,149,400 | 2,005 |
| Average equity | $31,567,800 | 2,247 |
| Average total loans | $228,759,800 | 1,942 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4974% | 1,649 |
| Cost of funding earning assets | 0.4780% | 2,446 |
| Net interest margin | 4.0194% | 1,635 |
| Noninterest income to average assets | 0.2526% | 4,694 |
| Noninterest expense to average assets | 2.1720% | 4,584 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2999% | 1,331 |
| Return on assets (ROA) | 1.2999% | 1,371 |
| Pretax return on assets | 1.9679% | 585 |
| Return on Equity (ROE) | 13.0370% | 1,051 |
| Retained earnings to average equity (ytd only) | 9.3365% | 748 |
| Net charge-offs to loans | 0.0207% | 3,075 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 131.9586% | 584 |
| Efficiency ratio | 52.4648% | 5,061 |
| Assets per employee ($millions) | 8.3746% | 552 |
| Cash dividends to net income (ytd only)* | 28.3842% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 3,963 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 73.4021% | 2,026 |
| Net loans and leases to deposits | 89.5718% | 1,862 |
| Net loans and leases to core deposits | 133.9618% | 285 |
| Total domestic deposits to total assets | 81.9478% | 3,794 |
| Equity capital to assets | 10.0576% | 3,850 |
| Core capital (leverage) ratio | 10.2702% | 3,232 |
| Tier 1 risk-based capital ratio | 12.7239% | 4,192 |
| Total risk-based capital ratio | 13.7018% | 4,258 |
| Memoranda: | ||
| Average total assets | $312,951,250 | 2,114 |
| Average earning assets | $302,657,250 | 2,046 |
| Average equity | $31,202,750 | 2,290 |
| Average total loans | $225,747,000 | 1,968 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4235% | 1,742 |
| Cost of funding earning assets | 0.4293% | 2,808 |
| Net interest margin | 3.9942% | 1,622 |
| Noninterest income to average assets | 0.2399% | 4,803 |
| Noninterest expense to average assets | 2.3327% | 4,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1297% | 1,855 |
| Return on assets (ROA) | 1.1297% | 1,907 |
| Pretax return on assets | 1.7685% | 902 |
| Return on Equity (ROE) | 11.3656% | 1,508 |
| Retained earnings to average equity (ytd only) | 11.3656% | 388 |
| Net charge-offs to loans | 0.0318% | 2,566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 77.9143% | 785 |
| Efficiency ratio | 56.8786% | 4,726 |
| Assets per employee ($millions) | 7.8666% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 3,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 73.5078% | 1,961 |
| Net loans and leases to deposits | 95.5714% | 1,115 |
| Net loans and leases to core deposits | 131.1498% | 289 |
| Total domestic deposits to total assets | 76.9140% | 4,970 |
| Equity capital to assets | 10.2586% | 3,608 |
| Core capital (leverage) ratio | 10.4508% | 2,978 |
| Tier 1 risk-based capital ratio | 12.9066% | 4,058 |
| Total risk-based capital ratio | 13.9174% | 4,118 |
| Memoranda: | ||
| Average total assets | $308,398,670 | 2,144 |
| Average earning assets | $298,133,000 | 2,070 |
| Average equity | $30,654,000 | 2,326 |
| Average total loans | $220,261,000 | 2,008 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2943% | 1,963 |
| Cost of funding earning assets | 0.3807% | 3,200 |
| Net interest margin | 3.9137% | 1,733 |
| Noninterest income to average assets | 0.1258% | 5,493 |
| Noninterest expense to average assets | 2.3140% | 4,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0352% | 2,144 |
| Return on assets (ROA) | 1.0352% | 2,193 |
| Pretax return on assets | 1.5973% | 1,243 |
| Return on Equity (ROE) | 10.5895% | 1,702 |
| Retained earnings to average equity (ytd only) | 10.5895% | 678 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1625% | 4,572 |
| Assets per employee ($millions) | 7.6526% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 3,389 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 69.6598% | 2,445 |
| Net loans and leases to deposits | 89.0953% | 1,656 |
| Net loans and leases to core deposits | 129.0395% | 277 |
| Total domestic deposits to total assets | 78.1857% | 4,948 |
| Equity capital to assets | 9.9542% | 3,810 |
| Core capital (leverage) ratio | 10.1533% | 3,305 |
| Tier 1 risk-based capital ratio | 12.2247% | 4,564 |
| Total risk-based capital ratio | 13.2433% | 4,617 |
| Memoranda: | ||
| Average total assets | $305,267,000 | 2,178 |
| Average earning assets | $295,273,500 | 2,102 |
| Average equity | $29,841,000 | 2,394 |
| Average total loans | $213,507,500 | 2,076 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5422% | 1,422 |
| Cost of funding earning assets | 0.3376% | 3,661 |
| Net interest margin | 4.2047% | 1,103 |
| Noninterest income to average assets | 0.2947% | 4,631 |
| Noninterest expense to average assets | 2.4116% | 4,280 |
| Loan and lease loss provision to assets | 0.1551% | 1,607 |
| Net operating income to assets | 1.1161% | 1,836 |
| Return on assets (ROA) | 1.1220% | 1,898 |
| Pretax return on assets | 1.8129% | 773 |
| Return on Equity (ROE) | 10.1756% | 1,889 |
| Retained earnings to average equity (ytd only) | 10.1756% | 386 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1800% | 5,132 |
| Assets per employee ($millions) | 7.6108% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 3,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 68.5861% | 2,688 |
| Net loans and leases to deposits | 81.4485% | 2,732 |
| Net loans and leases to core deposits | 114.0599% | 695 |
| Total domestic deposits to total assets | 84.2080% | 3,347 |
| Equity capital to assets | 9.5956% | 4,172 |
| Core capital (leverage) ratio | 9.9324% | 3,589 |
| Tier 1 risk-based capital ratio | 12.1868% | 4,591 |
| Total risk-based capital ratio | 13.2343% | 4,623 |
| Memoranda: | ||
| Average total assets | $270,774,400 | 2,355 |
| Average earning assets | $262,471,200 | 2,262 |
| Average equity | $29,855,800 | 2,359 |
| Average total loans | $193,776,200 | 2,165 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5872% | 1,314 |
| Cost of funding earning assets | 0.3305% | 3,773 |
| Net interest margin | 4.2567% | 1,013 |
| Noninterest income to average assets | 0.3105% | 4,543 |
| Noninterest expense to average assets | 2.4058% | 4,268 |
| Loan and lease loss provision to assets | 0.1601% | 1,447 |
| Net operating income to assets | 1.1551% | 1,786 |
| Return on assets (ROA) | 1.1633% | 1,858 |
| Pretax return on assets | 1.8879% | 725 |
| Return on Equity (ROE) | 10.1674% | 1,986 |
| Retained earnings to average equity (ytd only) | 10.1674% | 545 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1710% | 5,229 |
| Assets per employee ($millions) | 8.3671% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 3,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 71.5208% | 2,260 |
| Net loans and leases to deposits | 83.8231% | 2,505 |
| Net loans and leases to core deposits | 123.6677% | 423 |
| Total domestic deposits to total assets | 85.3234% | 2,668 |
| Equity capital to assets | 10.4098% | 3,665 |
| Core capital (leverage) ratio | 10.5586% | 2,926 |
| Tier 1 risk-based capital ratio | 12.4948% | 4,484 |
| Total risk-based capital ratio | 13.5541% | 4,506 |
| Memoranda: | ||
| Average total assets | $262,360,000 | 2,419 |
| Average earning assets | $254,588,000 | 2,334 |
| Average equity | $30,016,750 | 2,367 |
| Average total loans | $189,396,500 | 2,216 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6608% | 1,142 |
| Cost of funding earning assets | 0.3184% | 3,915 |
| Net interest margin | 4.3424% | 864 |
| Noninterest income to average assets | 0.2628% | 4,903 |
| Noninterest expense to average assets | 2.3962% | 4,346 |
| Loan and lease loss provision to assets | 0.1647% | 1,368 |
| Net operating income to assets | 1.1686% | 1,707 |
| Return on assets (ROA) | 1.1781% | 1,770 |
| Pretax return on assets | 1.9311% | 655 |
| Return on Equity (ROE) | 9.9632% | 2,069 |
| Retained earnings to average equity (ytd only) | 9.9632% | 607 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5214% | 5,349 |
| Assets per employee ($millions) | 7.6505% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1807% | 3,462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 73.9110% | 1,861 |
| Net loans and leases to deposits | 84.6346% | 2,392 |
| Net loans and leases to core deposits | 128.3223% | 327 |
| Total domestic deposits to total assets | 87.3295% | 1,745 |
| Equity capital to assets | 11.0312% | 3,027 |
| Core capital (leverage) ratio | 10.9516% | 2,485 |
| Tier 1 risk-based capital ratio | 13.1457% | 4,109 |
| Total risk-based capital ratio | 14.2448% | 4,116 |
| Memoranda: | ||
| Average total assets | $254,986,330 | 2,485 |
| Average earning assets | $247,467,330 | 2,404 |
| Average equity | $30,151,000 | 2,357 |
| Average total loans | $183,907,670 | 2,276 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4448% | 1,670 |
| Cost of funding earning assets | 0.3021% | 4,142 |
| Net interest margin | 4.1427% | 1,229 |
| Noninterest income to average assets | 0.1284% | 5,704 |
| Noninterest expense to average assets | 2.4404% | 4,257 |
| Loan and lease loss provision to assets | 0.1664% | 1,246 |
| Net operating income to assets | 0.9822% | 2,359 |
| Return on assets (ROA) | 1.0015% | 2,389 |
| Pretax return on assets | 1.5720% | 1,368 |
| Return on Equity (ROE) | 8.1867% | 2,809 |
| Retained earnings to average equity (ytd only) | 8.1867% | 1,381 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8235% | 4,900 |
| Assets per employee ($millions) | 7.2635% | 789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 3,540 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 71.8509% | 2,069 |
| Net loans and leases to deposits | 88.4475% | 1,778 |
| Net loans and leases to core deposits | 126.2214% | 333 |
| Total domestic deposits to total assets | 81.2356% | 4,422 |
| Equity capital to assets | 12.3271% | 1,806 |
| Core capital (leverage) ratio | 12.3499% | 1,411 |
| Tier 1 risk-based capital ratio | 15.0201% | 3,148 |
| Total risk-based capital ratio | 16.1108% | 3,158 |
| Memoranda: | ||
| Average total assets | $252,421,000 | 2,521 |
| Average earning assets | $244,962,500 | 2,428 |
| Average equity | $30,879,500 | 2,314 |
| Average total loans | $178,585,500 | 2,324 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4243% | 1,821 |
| Cost of funding earning assets | 0.2832% | 4,443 |
| Net interest margin | 4.1411% | 1,303 |
| Noninterest income to average assets | 0.3022% | 4,718 |
| Noninterest expense to average assets | 2.6436% | 3,776 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0227% | 2,246 |
| Return on assets (ROA) | 1.0233% | 2,324 |
| Pretax return on assets | 1.6334% | 1,156 |
| Return on Equity (ROE) | 8.6863% | 2,634 |
| Retained earnings to average equity (ytd only) | 8.6863% | 732 |
| Net charge-offs to loans | -0.0330% | 5,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8228% | 4,637 |
| Assets per employee ($millions) | 7.5946% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 3,368 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 67.9161% | 2,710 |
| Net loans and leases to deposits | 84.4272% | 2,314 |
| Net loans and leases to core deposits | 117.8860% | 544 |
| Total domestic deposits to total assets | 80.4434% | 4,626 |
| Equity capital to assets | 12.1382% | 1,857 |
| Core capital (leverage) ratio | 12.1377% | 1,534 |
| Tier 1 risk-based capital ratio | 17.1579% | 2,232 |
| Total risk-based capital ratio | 18.3720% | 2,195 |
| Memoranda: | ||
| Average total assets | $229,650,000 | 2,666 |
| Average earning assets | $220,376,200 | 2,583 |
| Average equity | $27,054,000 | 2,544 |
| Average total loans | $157,425,200 | 2,499 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3895% | 1,955 |
| Cost of funding earning assets | 0.2888% | 4,461 |
| Net interest margin | 4.1007% | 1,405 |
| Noninterest income to average assets | 0.1658% | 5,651 |
| Noninterest expense to average assets | 2.5703% | 3,979 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9635% | 2,651 |
| Return on assets (ROA) | 0.9643% | 2,735 |
| Pretax return on assets | 1.5192% | 1,629 |
| Return on Equity (ROE) | 8.2555% | 2,943 |
| Retained earnings to average equity (ytd only) | 8.2555% | 1,139 |
| Net charge-offs to loans | -0.0278% | 5,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8688% | 4,431 |
| Assets per employee ($millions) | 7.5589% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 3,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 69.2649% | 2,493 |
| Net loans and leases to deposits | 83.2391% | 2,497 |
| Net loans and leases to core deposits | 116.3995% | 571 |
| Total domestic deposits to total assets | 83.2119% | 3,732 |
| Equity capital to assets | 11.2731% | 2,728 |
| Core capital (leverage) ratio | 11.3657% | 2,139 |
| Tier 1 risk-based capital ratio | 14.1954% | 3,732 |
| Total risk-based capital ratio | 15.3171% | 3,757 |
| Memoranda: | ||
| Average total assets | $224,407,250 | 2,730 |
| Average earning assets | $214,658,750 | 2,654 |
| Average equity | $26,212,250 | 2,633 |
| Average total loans | $153,703,750 | 2,559 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3636% | 1,964 |
| Cost of funding earning assets | 0.2958% | 4,437 |
| Net interest margin | 4.0678% | 1,451 |
| Noninterest income to average assets | 0.1684% | 5,696 |
| Noninterest expense to average assets | 2.6096% | 3,875 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9153% | 2,801 |
| Return on assets (ROA) | 0.9159% | 2,928 |
| Pretax return on assets | 1.4347% | 1,849 |
| Return on Equity (ROE) | 7.7416% | 3,190 |
| Retained earnings to average equity (ytd only) | 7.7416% | 1,368 |
| Net charge-offs to loans | -0.0418% | 5,472 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5395% | 4,268 |
| Assets per employee ($millions) | 6.6010% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 3,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 68.4021% | 2,587 |
| Net loans and leases to deposits | 80.3514% | 2,739 |
| Net loans and leases to core deposits | 118.2272% | 520 |
| Total domestic deposits to total assets | 85.1286% | 3,075 |
| Equity capital to assets | 11.3330% | 2,541 |
| Core capital (leverage) ratio | 11.8099% | 1,768 |
| Tier 1 risk-based capital ratio | 14.4834% | 3,652 |
| Total risk-based capital ratio | 15.6622% | 3,609 |
| Memoranda: | ||
| Average total assets | $218,581,000 | 2,799 |
| Average earning assets | $208,221,330 | 2,731 |
| Average equity | $25,860,330 | 2,665 |
| Average total loans | $148,397,670 | 2,642 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3582% | 1,914 |
| Cost of funding earning assets | 0.3045% | 4,394 |
| Net interest margin | 4.0538% | 1,403 |
| Noninterest income to average assets | 0.1997% | 5,522 |
| Noninterest expense to average assets | 2.6804% | 3,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8935% | 2,772 |
| Return on assets (ROA) | 0.8947% | 2,894 |
| Pretax return on assets | 1.3581% | 2,042 |
| Return on Equity (ROE) | 7.3933% | 3,278 |
| Retained earnings to average equity (ytd only) | 7.3933% | 1,814 |
| Net charge-offs to loans | -0.0870% | 5,793 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4022% | 4,079 |
| Assets per employee ($millions) | 6.4083% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4516% | 2,667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 66.9360% | 2,615 |
| Net loans and leases to deposits | 77.3573% | 2,896 |
| Net loans and leases to core deposits | 118.7157% | 438 |
| Total domestic deposits to total assets | 86.5284% | 2,653 |
| Equity capital to assets | 12.3140% | 1,813 |
| Core capital (leverage) ratio | 12.3832% | 1,409 |
| Tier 1 risk-based capital ratio | 15.3126% | 3,253 |
| Total risk-based capital ratio | 16.5651% | 3,185 |
| Memoranda: | ||
| Average total assets | $212,354,500 | 2,884 |
| Average earning assets | $200,999,000 | 2,822 |
| Average equity | $25,699,000 | 2,689 |
| Average total loans | $142,540,000 | 2,726 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6257% | 1,487 |
| Cost of funding earning assets | 0.2528% | 5,294 |
| Net interest margin | 4.3729% | 926 |
| Noninterest income to average assets | 0.6190% | 2,745 |
| Noninterest expense to average assets | 3.0480% | 2,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0699% | 2,088 |
| Return on assets (ROA) | 1.0682% | 2,147 |
| Pretax return on assets | 1.7237% | 930 |
| Return on Equity (ROE) | 8.3587% | 2,935 |
| Retained earnings to average equity (ytd only) | 8.3587% | 888 |
| Net charge-offs to loans | -0.0749% | 6,040 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8409% | 4,610 |
| Assets per employee ($millions) | 6.4616% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 2,659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 65.3653% | 2,996 |
| Net loans and leases to deposits | 75.4610% | 3,262 |
| Net loans and leases to core deposits | 106.5979% | 979 |
| Total domestic deposits to total assets | 86.6213% | 2,497 |
| Equity capital to assets | 11.8916% | 2,096 |
| Core capital (leverage) ratio | 12.2659% | 1,467 |
| Tier 1 risk-based capital ratio | 15.3457% | 3,296 |
| Total risk-based capital ratio | 16.5960% | 3,250 |
| Memoranda: | ||
| Average total assets | $189,011,600 | 3,111 |
| Average earning assets | $179,605,200 | 3,051 |
| Average equity | $24,154,600 | 2,744 |
| Average total loans | $132,119,400 | 2,826 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 1,258 |
| Cost of funding earning assets | 0.2343% | 5,559 |
| Net interest margin | 4.4883% | 756 |
| Noninterest income to average assets | 0.7404% | 2,137 |
| Noninterest expense to average assets | 3.0972% | 2,480 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1913% | 1,701 |
| Return on assets (ROA) | 1.1871% | 1,797 |
| Pretax return on assets | 1.9093% | 706 |
| Return on Equity (ROE) | 9.1052% | 2,621 |
| Retained earnings to average equity (ytd only) | 9.1052% | 954 |
| Net charge-offs to loans | -0.1017% | 6,140 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7822% | 4,918 |
| Assets per employee ($millions) | 6.1632% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4856% | 2,798 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 71.7091% | 1,903 |
| Net loans and leases to deposits | 83.7609% | 2,188 |
| Net loans and leases to core deposits | 131.1301% | 228 |
| Total domestic deposits to total assets | 85.6117% | 3,067 |
| Equity capital to assets | 12.9762% | 1,439 |
| Core capital (leverage) ratio | 12.7761% | 1,273 |
| Tier 1 risk-based capital ratio | 16.0372% | 3,042 |
| Total risk-based capital ratio | 17.2888% | 2,994 |
| Memoranda: | ||
| Average total assets | $182,956,000 | 3,203 |
| Average earning assets | $174,166,500 | 3,133 |
| Average equity | $23,854,000 | 2,773 |
| Average total loans | $129,788,750 | 2,877 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7090% | 1,265 |
| Cost of funding earning assets | 0.2134% | 5,802 |
| Net interest margin | 4.4956% | 714 |
| Noninterest income to average assets | 1.0230% | 1,138 |
| Noninterest expense to average assets | 3.0989% | 2,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3796% | 1,112 |
| Return on assets (ROA) | 1.3825% | 1,146 |
| Pretax return on assets | 2.2058% | 359 |
| Return on Equity (ROE) | 10.5856% | 1,900 |
| Retained earnings to average equity (ytd only) | 10.5856% | 597 |
| Net charge-offs to loans | -0.1563% | 6,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4677% | 5,494 |
| Assets per employee ($millions) | 5.8523% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5506% | 2,661 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 70.0758% | 2,073 |
| Net loans and leases to deposits | 89.0252% | 1,474 |
| Net loans and leases to core deposits | 123.5890% | 311 |
| Total domestic deposits to total assets | 78.7145% | 5,514 |
| Equity capital to assets | 13.0120% | 1,365 |
| Core capital (leverage) ratio | 13.3418% | 1,037 |
| Tier 1 risk-based capital ratio | 16.7042% | 2,742 |
| Total risk-based capital ratio | 17.9568% | 2,704 |
| Memoranda: | ||
| Average total assets | $180,255,330 | 3,248 |
| Average earning assets | $171,502,000 | 3,182 |
| Average equity | $23,541,330 | 2,796 |
| Average total loans | $126,694,330 | 2,935 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7763% | 1,094 |
| Cost of funding earning assets | 0.2351% | 5,711 |
| Net interest margin | 4.5412% | 611 |
| Noninterest income to average assets | 1.1270% | 876 |
| Noninterest expense to average assets | 3.1141% | 2,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4733% | 859 |
| Return on assets (ROA) | 1.4733% | 886 |
| Pretax return on assets | 2.3401% | 290 |
| Return on Equity (ROE) | 11.2591% | 1,611 |
| Retained earnings to average equity (ytd only) | 11.2591% | 709 |
| Net charge-offs to loans | -0.0065% | 4,887 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0954% | 5,744 |
| Assets per employee ($millions) | 5.7205% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 2,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 69.6766% | 1,946 |
| Net loans and leases to deposits | 89.2157% | 1,231 |
| Net loans and leases to core deposits | 126.6799% | 218 |
| Total domestic deposits to total assets | 78.0991% | 5,823 |
| Equity capital to assets | 13.2777% | 1,179 |
| Core capital (leverage) ratio | 13.2228% | 1,080 |
| Tier 1 risk-based capital ratio | 17.2328% | 2,583 |
| Total risk-based capital ratio | 18.4857% | 2,540 |
| Memoranda: | ||
| Average total assets | $176,746,500 | 3,310 |
| Average earning assets | $168,414,000 | 3,232 |
| Average equity | $23,128,000 | 2,832 |
| Average total loans | $123,391,500 | 3,001 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7603% | 1,406 |
| Cost of funding earning assets | 0.2887% | 5,682 |
| Net interest margin | 4.4715% | 784 |
| Noninterest income to average assets | 0.1987% | 5,897 |
| Noninterest expense to average assets | 3.3708% | 1,945 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6641% | 3,962 |
| Return on assets (ROA) | 0.6844% | 3,967 |
| Pretax return on assets | 1.0686% | 3,079 |
| Return on Equity (ROE) | 4.7489% | 4,749 |
| Retained earnings to average equity (ytd only) | 4.7489% | 2,775 |
| Net charge-offs to loans | -0.0772% | 6,425 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4765% | 2,705 |
| Assets per employee ($millions) | 6.0744% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6239% | 2,670 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 67.7136% | 2,404 |
| Net loans and leases to deposits | 78.8080% | 2,616 |
| Net loans and leases to core deposits | 104.6085% | 873 |
| Total domestic deposits to total assets | 85.9223% | 3,298 |
| Equity capital to assets | 12.8918% | 1,326 |
| Core capital (leverage) ratio | 12.6761% | 1,268 |
| Tier 1 risk-based capital ratio | 16.8305% | 2,690 |
| Total risk-based capital ratio | 18.0843% | 2,647 |
| Memoranda: | ||
| Average total assets | $157,499,400 | 3,593 |
| Average earning assets | $148,248,400 | 3,538 |
| Average equity | $22,700,000 | 2,860 |
| Average total loans | $111,444,800 | 3,221 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8989% | 1,126 |
| Cost of funding earning assets | 0.2846% | 5,852 |
| Net interest margin | 4.6143% | 605 |
| Noninterest income to average assets | 0.2068% | 5,937 |
| Noninterest expense to average assets | 3.4328% | 1,753 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7241% | 3,732 |
| Return on assets (ROA) | 0.7529% | 3,715 |
| Pretax return on assets | 1.1454% | 2,917 |
| Return on Equity (ROE) | 5.0695% | 4,690 |
| Retained earnings to average equity (ytd only) | 5.0695% | 3,026 |
| Net charge-offs to loans | -0.1028% | 6,503 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7022% | 2,772 |
| Assets per employee ($millions) | 5.3779% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6448% | 2,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 72.8650% | 1,472 |
| Net loans and leases to deposits | 86.0935% | 1,605 |
| Net loans and leases to core deposits | 117.3173% | 368 |
| Total domestic deposits to total assets | 84.6347% | 3,913 |
| Equity capital to assets | 14.0804% | 946 |
| Core capital (leverage) ratio | 13.7980% | 924 |
| Tier 1 risk-based capital ratio | 17.0400% | 2,691 |
| Total risk-based capital ratio | 18.2936% | 2,654 |
| Memoranda: | ||
| Average total assets | $152,834,750 | 3,693 |
| Average earning assets | $143,348,750 | 3,649 |
| Average equity | $22,697,500 | 2,881 |
| Average total loans | $108,993,000 | 3,291 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9324% | 1,024 |
| Cost of funding earning assets | 0.2707% | 6,046 |
| Net interest margin | 4.6617% | 543 |
| Noninterest income to average assets | 0.1667% | 6,218 |
| Noninterest expense to average assets | 3.5267% | 1,542 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6953% | 3,823 |
| Return on assets (ROA) | 0.7413% | 3,766 |
| Pretax return on assets | 1.0693% | 3,224 |
| Return on Equity (ROE) | 4.9006% | 4,778 |
| Retained earnings to average equity (ytd only) | 4.9006% | 3,118 |
| Net charge-offs to loans | -0.1384% | 6,578 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8628% | 2,481 |
| Assets per employee ($millions) | 5.5535% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 2,354 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 67.6465% | 2,314 |
| Net loans and leases to deposits | 80.3626% | 2,275 |
| Net loans and leases to core deposits | 112.2794% | 480 |
| Total domestic deposits to total assets | 84.1766% | 4,252 |
| Equity capital to assets | 14.5577% | 810 |
| Core capital (leverage) ratio | 13.8576% | 861 |
| Tier 1 risk-based capital ratio | 18.0319% | 2,305 |
| Total risk-based capital ratio | 19.2874% | 2,270 |
| Memoranda: | ||
| Average total assets | $150,000,330 | 3,768 |
| Average earning assets | $140,378,000 | 3,716 |
| Average equity | $22,691,000 | 2,902 |
| Average total loans | $105,482,330 | 3,373 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0267% | 852 |
| Cost of funding earning assets | 0.2681% | 6,175 |
| Net interest margin | 4.7586% | 433 |
| Noninterest income to average assets | 0.0516% | 6,732 |
| Noninterest expense to average assets | 3.5422% | 1,540 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6123% | 4,158 |
| Return on assets (ROA) | 0.6900% | 3,887 |
| Pretax return on assets | 1.0648% | 3,091 |
| Return on Equity (ROE) | 4.4722% | 4,859 |
| Retained earnings to average equity (ytd only) | 4.4722% | 3,551 |
| Net charge-offs to loans | 0.1070% | 2,806 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 12.4286% | 1,597 |
| Efficiency ratio | 78.9346% | 2,472 |
| Assets per employee ($millions) | 5.2491% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7541% | 2,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5688% | 4,970 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 70.5775% | 1,568 |
| Net loans and leases to deposits | 87.8757% | 1,160 |
| Net loans and leases to core deposits | 113.6191% | 399 |
| Total domestic deposits to total assets | 80.3152% | 5,687 |
| Equity capital to assets | 15.4903% | 639 |
| Core capital (leverage) ratio | 14.0710% | 780 |
| Tier 1 risk-based capital ratio | 18.0182% | 2,348 |
| Total risk-based capital ratio | 19.2732% | 2,314 |
| Memoranda: | ||
| Average total assets | $147,251,500 | 3,856 |
| Average earning assets | $137,268,000 | 3,807 |
| Average equity | $22,718,000 | 2,958 |
| Average total loans | $104,652,500 | 3,403 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1324% | 1,235 |
| Cost of funding earning assets | 0.3054% | 6,427 |
| Net interest margin | 4.8270% | 518 |
| Noninterest income to average assets | -0.0540% | 6,889 |
| Noninterest expense to average assets | 3.6337% | 1,536 |
| Loan and lease loss provision to assets | 0.6670% | 797 |
| Net operating income to assets | 0.9351% | 2,624 |
| Return on assets (ROA) | 1.1592% | 1,896 |
| Pretax return on assets | 0.3502% | 5,716 |
| Return on Equity (ROE) | 7.9954% | 3,080 |
| Retained earnings to average equity (ytd only) | 6.9972% | 1,568 |
| Net charge-offs to loans | 1.2641% | 776 |
| Credit loss provision to net charge-offs | 75.7002% | 3,984 |
| Earnings coverage of net charge-offs (x) | 0.9001% | 5,024 |
| Efficiency ratio | 82.0853% | 1,854 |
| Assets per employee ($millions) | 4.6102% | 2,762 |
| Cash dividends to net income (ytd only)* | 12.4856% | 4,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8154% | 2,539 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 2.0932% | 2,343 |
| Noncurrent loans to loans | 2.0748% | 2,609 |
| Net loans and leases to total assets | 69.0301% | 2,029 |
| Net loans and leases to deposits | 83.4724% | 1,817 |
| Net loans and leases to core deposits | 110.7031% | 517 |
| Total domestic deposits to total assets | 82.6981% | 4,847 |
| Equity capital to assets | 15.3660% | 665 |
| Core capital (leverage) ratio | 13.5330% | 931 |
| Tier 1 risk-based capital ratio | 18.3827% | 2,140 |
| Total risk-based capital ratio | 19.6382% | 2,104 |
| Memoranda: | ||
| Average total assets | $149,928,800 | 3,774 |
| Average earning assets | $139,175,600 | 3,739 |
| Average equity | $21,737,400 | 3,005 |
| Average total loans | $104,498,800 | 3,411 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2392% | 1,116 |
| Cost of funding earning assets | 0.3188% | 6,521 |
| Net interest margin | 4.9204% | 453 |
| Noninterest income to average assets | -0.1320% | 7,043 |
| Noninterest expense to average assets | 3.6298% | 1,501 |
| Loan and lease loss provision to assets | 0.8857% | 504 |
| Net operating income to assets | 0.9929% | 2,543 |
| Return on assets (ROA) | 1.2905% | 1,609 |
| Pretax return on assets | 0.2161% | 6,095 |
| Return on Equity (ROE) | 9.0336% | 2,787 |
| Retained earnings to average equity (ytd only) | 8.0229% | 1,610 |
| Net charge-offs to loans | 1.4824% | 584 |
| Credit loss provision to net charge-offs | 85.9107% | 3,432 |
| Earnings coverage of net charge-offs (x) | 0.7801% | 4,936 |
| Efficiency ratio | 81.8618% | 1,825 |
| Assets per employee ($millions) | 4.3307% | 3,206 |
| Cash dividends to net income (ytd only)* | 11.1875% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9904% | 2,193 |
| Loan loss allowance to noncurrent loans | 89.9868% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 2.1753% | 2,463 |
| Noncurrent loans to loans | 2.2119% | 2,603 |
| Net loans and leases to total assets | 68.2208% | 2,261 |
| Net loans and leases to deposits | 81.7845% | 2,153 |
| Net loans and leases to core deposits | 110.3542% | 554 |
| Total domestic deposits to total assets | 83.4153% | 4,473 |
| Equity capital to assets | 15.2149% | 768 |
| Core capital (leverage) ratio | 13.7861% | 910 |
| Tier 1 risk-based capital ratio | 18.1900% | 2,268 |
| Total risk-based capital ratio | 19.4477% | 2,244 |
| Memoranda: | ||
| Average total assets | $150,529,250 | 3,811 |
| Average earning assets | $139,687,750 | 3,770 |
| Average equity | $21,504,500 | 3,062 |
| Average total loans | $104,693,250 | 3,440 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3216% | 1,001 |
| Cost of funding earning assets | 0.3357% | 6,570 |
| Net interest margin | 4.9858% | 413 |
| Noninterest income to average assets | -0.3139% | 7,156 |
| Noninterest expense to average assets | 3.5126% | 1,757 |
| Loan and lease loss provision to assets | 1.1871% | 350 |
| Net operating income to assets | 1.2096% | 1,682 |
| Return on assets (ROA) | 1.6528% | 831 |
| Pretax return on assets | 0.0528% | 6,384 |
| Return on Equity (ROE) | 11.8180% | 1,722 |
| Retained earnings to average equity (ytd only) | 10.7993% | 782 |
| Net charge-offs to loans | 1.9957% | 419 |
| Credit loss provision to net charge-offs | 85.5513% | 3,173 |
| Earnings coverage of net charge-offs (x) | 0.5741% | 4,783 |
| Efficiency ratio | 81.5121% | 1,962 |
| Assets per employee ($millions) | 3.9709% | 3,938 |
| Cash dividends to net income (ytd only)* | 8.6193% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9483% | 2,378 |
| Loan loss allowance to noncurrent loans | 81.3963% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 2.3529% | 2,373 |
| Noncurrent loans to loans | 2.3936% | 2,507 |
| Net loans and leases to total assets | 70.2894% | 1,870 |
| Net loans and leases to deposits | 85.5836% | 1,652 |
| Net loans and leases to core deposits | 117.7278% | 352 |
| Total domestic deposits to total assets | 82.1295% | 5,085 |
| Equity capital to assets | 15.1269% | 756 |
| Core capital (leverage) ratio | 13.2906% | 1,057 |
| Tier 1 risk-based capital ratio | 17.4530% | 2,487 |
| Total risk-based capital ratio | 18.7103% | 2,451 |
| Memoranda: | ||
| Average total assets | $151,624,330 | 3,812 |
| Average earning assets | $140,598,000 | 3,775 |
| Average equity | $21,205,000 | 3,092 |
| Average total loans | $105,427,330 | 3,449 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9943% | 1,906 |
| Cost of funding earning assets | 0.3563% | 6,613 |
| Net interest margin | 4.6380% | 765 |
| Noninterest income to average assets | -0.8157% | 7,274 |
| Noninterest expense to average assets | 3.4162% | 1,970 |
| Loan and lease loss provision to assets | 2.0783% | 133 |
| Net operating income to assets | -2.0185% | 7,153 |
| Return on assets (ROA) | -1.1456% | 7,041 |
| Pretax return on assets | -1.1430% | 7,009 |
| Return on Equity (ROE) | -8.5238% | 6,961 |
| Retained earnings to average equity (ytd only) | -9.5675% | 6,828 |
| Net charge-offs to loans | 3.6822% | 173 |
| Credit loss provision to net charge-offs | 82.3893% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.0247% | 4,355 |
| Efficiency ratio | 98.2076% | 626 |
| Assets per employee ($millions) | 3.9887% | 4,039 |
| Cash dividends to net income (ytd only)* | -12.2449% | 7,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9571% | 2,503 |
| Loan loss allowance to noncurrent loans | 59.9057% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 2.8554% | 2,044 |
| Noncurrent loans to loans | 3.2669% | 1,958 |
| Net loans and leases to total assets | 67.1608% | 2,266 |
| Net loans and leases to deposits | 78.5634% | 2,403 |
| Net loans and leases to core deposits | 112.6709% | 452 |
| Total domestic deposits to total assets | 85.4861% | 3,801 |
| Equity capital to assets | 13.4022% | 1,274 |
| Core capital (leverage) ratio | 12.4008% | 1,383 |
| Tier 1 risk-based capital ratio | 17.0575% | 2,664 |
| Total risk-based capital ratio | 18.3147% | 2,620 |
| Memoranda: | ||
| Average total assets | $153,974,500 | 3,805 |
| Average earning assets | $142,562,500 | 3,771 |
| Average equity | $20,695,000 | 3,145 |
| Average total loans | $105,479,000 | 3,469 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6843% | 806 |
| Cost of funding earning assets | 0.4935% | 6,561 |
| Net interest margin | 5.1908% | 291 |
| Noninterest income to average assets | 0.2873% | 5,481 |
| Noninterest expense to average assets | 4.0444% | 969 |
| Loan and lease loss provision to assets | 0.4143% | 2,522 |
| Net operating income to assets | 1.5492% | 740 |
| Return on assets (ROA) | 1.5492% | 802 |
| Pretax return on assets | 0.6574% | 4,489 |
| Return on Equity (ROE) | 11.7725% | 1,474 |
| Retained earnings to average equity (ytd only) | 10.6526% | 452 |
| Net charge-offs to loans | 0.4976% | 3,005 |
| Credit loss provision to net charge-offs | 113.5940% | 2,891 |
| Earnings coverage of net charge-offs (x) | 2.9385% | 3,735 |
| Efficiency ratio | 79.0522% | 2,439 |
| Assets per employee ($millions) | 4.2264% | 3,420 |
| Cash dividends to net income (ytd only)* | 9.5134% | 3,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0601% | 2,103 |
| Loan loss allowance to noncurrent loans | 104.6468% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 2.2689% | 2,653 |
| Noncurrent loans to loans | 1.9687% | 3,250 |
| Net loans and leases to total assets | 67.0955% | 2,563 |
| Net loans and leases to deposits | 78.5950% | 2,744 |
| Net loans and leases to core deposits | 112.4180% | 554 |
| Total domestic deposits to total assets | 85.3687% | 3,659 |
| Equity capital to assets | 13.4777% | 1,277 |
| Core capital (leverage) ratio | 12.7305% | 1,250 |
| Tier 1 risk-based capital ratio | 17.1906% | 2,519 |
| Total risk-based capital ratio | 18.4491% | 2,475 |
| Memoranda: | ||
| Average total assets | $147,239,400 | 3,847 |
| Average earning assets | $136,974,200 | 3,803 |
| Average equity | $19,375,600 | 3,233 |
| Average total loans | $107,915,600 | 3,432 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7837% | 719 |
| Cost of funding earning assets | 0.5183% | 6,630 |
| Net interest margin | 5.2654% | 263 |
| Noninterest income to average assets | 0.3183% | 5,321 |
| Noninterest expense to average assets | 4.1354% | 857 |
| Loan and lease loss provision to assets | 0.4314% | 2,317 |
| Net operating income to assets | 0.6659% | 3,791 |
| Return on assets (ROA) | 0.6659% | 3,967 |
| Pretax return on assets | 0.6669% | 4,588 |
| Return on Equity (ROE) | 5.0938% | 4,493 |
| Retained earnings to average equity (ytd only) | 3.9470% | 3,911 |
| Net charge-offs to loans | 0.6709% | 2,233 |
| Credit loss provision to net charge-offs | 86.2132% | 3,913 |
| Earnings coverage of net charge-offs (x) | 2.1948% | 4,028 |
| Efficiency ratio | 79.0158% | 2,406 |
| Assets per employee ($millions) | 3.8721% | 4,139 |
| Cash dividends to net income (ytd only)* | 22.5140% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9200% | 2,559 |
| Loan loss allowance to noncurrent loans | 108.8173% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 2.1552% | 2,966 |
| Noncurrent loans to loans | 1.7644% | 3,686 |
| Net loans and leases to total assets | 67.9767% | 2,493 |
| Net loans and leases to deposits | 78.8457% | 2,837 |
| Net loans and leases to core deposits | 115.5797% | 511 |
| Total domestic deposits to total assets | 86.2148% | 3,086 |
| Equity capital to assets | 12.6475% | 1,822 |
| Core capital (leverage) ratio | 12.6731% | 1,360 |
| Tier 1 risk-based capital ratio | 16.6551% | 2,780 |
| Total risk-based capital ratio | 17.9116% | 2,747 |
| Memoranda: | ||
| Average total assets | $144,955,000 | 3,911 |
| Average earning assets | $135,320,000 | 3,854 |
| Average equity | $18,950,500 | 3,295 |
| Average total loans | $108,112,250 | 3,459 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9617% | 511 |
| Cost of funding earning assets | 0.5194% | 6,779 |
| Net interest margin | 5.4423% | 193 |
| Noninterest income to average assets | 1.4995% | 573 |
| Noninterest expense to average assets | 4.4096% | 661 |
| Loan and lease loss provision to assets | 1.5758% | 445 |
| Net operating income to assets | 0.5874% | 4,122 |
| Return on assets (ROA) | 0.5874% | 4,254 |
| Pretax return on assets | 0.5888% | 4,776 |
| Return on Equity (ROE) | 4.4403% | 4,725 |
| Retained earnings to average equity (ytd only) | 3.2875% | 4,170 |
| Net charge-offs to loans | 1.1922% | 1,317 |
| Credit loss provision to net charge-offs | 172.7554% | 1,751 |
| Earnings coverage of net charge-offs (x) | 2.3731% | 3,635 |
| Efficiency ratio | 67.0747% | 4,688 |
| Assets per employee ($millions) | 3.8394% | 4,111 |
| Cash dividends to net income (ytd only)* | 25.9615% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4036% | 1,584 |
| Loan loss allowance to noncurrent loans | 150.5780% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 2.7946% | 2,397 |
| Noncurrent loans to loans | 1.5963% | 4,001 |
| Net loans and leases to total assets | 74.4569% | 1,336 |
| Net loans and leases to deposits | 90.8561% | 1,174 |
| Net loans and leases to core deposits | 123.2731% | 357 |
| Total domestic deposits to total assets | 81.9503% | 5,184 |
| Equity capital to assets | 13.4910% | 1,301 |
| Core capital (leverage) ratio | 13.6329% | 962 |
| Tier 1 risk-based capital ratio | 16.6696% | 2,662 |
| Total risk-based capital ratio | 17.9323% | 2,617 |
| Memoranda: | ||
| Average total assets | $141,645,330 | 3,998 |
| Average earning assets | $132,076,330 | 3,941 |
| Average equity | $18,737,670 | 3,297 |
| Average total loans | $108,367,670 | 3,499 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5793% | 1,094 |
| Cost of funding earning assets | 0.5171% | 6,910 |
| Net interest margin | 5.0622% | 332 |
| Noninterest income to average assets | 2.2002% | 319 |
| Noninterest expense to average assets | 4.4825% | 601 |
| Loan and lease loss provision to assets | 2.4208% | 212 |
| Net operating income to assets | 0.0311% | 6,276 |
| Return on assets (ROA) | 0.0311% | 6,312 |
| Pretax return on assets | 0.0311% | 6,301 |
| Return on Equity (ROE) | 0.2375% | 6,330 |
| Retained earnings to average equity (ytd only) | -0.9285% | 5,969 |
| Net charge-offs to loans | 2.3920% | 495 |
| Credit loss provision to net charge-offs | 132.0988% | 2,099 |
| Earnings coverage of net charge-offs (x) | 1.3380% | 3,677 |
| Efficiency ratio | 64.6411% | 5,253 |
| Assets per employee ($millions) | 3.5499% | 4,875 |
| Cash dividends to net income (ytd only)* | 490.9091% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1933% | 1,975 |
| Loan loss allowance to noncurrent loans | 55.7729% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 4.6552% | 1,379 |
| Noncurrent loans to loans | 3.9326% | 1,862 |
| Net loans and leases to total assets | 75.3046% | 1,136 |
| Net loans and leases to deposits | 88.7037% | 1,386 |
| Net loans and leases to core deposits | 124.0815% | 339 |
| Total domestic deposits to total assets | 84.8946% | 4,085 |
| Equity capital to assets | 13.3733% | 1,225 |
| Core capital (leverage) ratio | 13.0947% | 1,098 |
| Tier 1 risk-based capital ratio | 16.5451% | 2,645 |
| Total risk-based capital ratio | 17.8058% | 2,615 |
| Memoranda: | ||
| Average total assets | $141,439,000 | 4,038 |
| Average earning assets | $132,273,500 | 3,970 |
| Average equity | $18,524,000 | 3,321 |
| Average total loans | $108,363,000 | 3,530 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2077% | 551 |
| Cost of funding earning assets | 0.8113% | 6,517 |
| Net interest margin | 5.3964% | 200 |
| Noninterest income to average assets | 0.3744% | 5,101 |
| Noninterest expense to average assets | 4.3392% | 775 |
| Loan and lease loss provision to assets | 0.7764% | 2,116 |
| Net operating income to assets | 0.6690% | 3,351 |
| Return on assets (ROA) | 0.7430% | 3,153 |
| Pretax return on assets | 0.4005% | 4,943 |
| Return on Equity (ROE) | 5.6633% | 3,750 |
| Retained earnings to average equity (ytd only) | 4.4742% | 2,736 |
| Net charge-offs to loans | 0.5196% | 3,547 |
| Credit loss provision to net charge-offs | 177.7409% | 1,869 |
| Earnings coverage of net charge-offs (x) | 2.5249% | 3,848 |
| Efficiency ratio | 79.7333% | 2,451 |
| Assets per employee ($millions) | 4.0120% | 3,759 |
| Cash dividends to net income (ytd only)* | 20.9961% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9404% | 2,444 |
| Loan loss allowance to noncurrent loans | 36.2818% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 4.2311% | 1,580 |
| Noncurrent loans to loans | 5.3482% | 1,231 |
| Net loans and leases to total assets | 74.7720% | 1,527 |
| Net loans and leases to deposits | 86.9181% | 1,951 |
| Net loans and leases to core deposits | 120.3504% | 519 |
| Total domestic deposits to total assets | 86.0259% | 3,346 |
| Equity capital to assets | 12.8317% | 1,473 |
| Core capital (leverage) ratio | 12.7888% | 1,199 |
| Tier 1 risk-based capital ratio | 16.5428% | 2,506 |
| Total risk-based capital ratio | 17.8006% | 2,477 |
| Memoranda: | ||
| Average total assets | $137,815,000 | 4,098 |
| Average earning assets | $129,420,600 | 4,027 |
| Average equity | $18,081,400 | 3,412 |
| Average total loans | $115,864,000 | 3,407 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2558% | 552 |
| Cost of funding earning assets | 0.8821% | 6,468 |
| Net interest margin | 5.3738% | 215 |
| Noninterest income to average assets | 0.4475% | 4,581 |
| Noninterest expense to average assets | 4.2586% | 769 |
| Loan and lease loss provision to assets | 0.9205% | 1,636 |
| Net operating income to assets | 0.3085% | 5,133 |
| Return on assets (ROA) | 0.4054% | 4,903 |
| Pretax return on assets | 0.4064% | 5,200 |
| Return on Equity (ROE) | 3.0720% | 5,189 |
| Retained earnings to average equity (ytd only) | 1.8625% | 5,028 |
| Net charge-offs to loans | 0.3080% | 4,116 |
| Credit loss provision to net charge-offs | 346.8635% | 913 |
| Earnings coverage of net charge-offs (x) | 4.6347% | 2,969 |
| Efficiency ratio | 77.5914% | 2,682 |
| Assets per employee ($millions) | 3.8860% | 4,064 |
| Cash dividends to net income (ytd only)* | 39.3721% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9197% | 2,423 |
| Loan loss allowance to noncurrent loans | 53.7255% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 3.7334% | 1,903 |
| Noncurrent loans to loans | 3.5732% | 2,194 |
| Net loans and leases to total assets | 82.7579% | 427 |
| Net loans and leases to deposits | 98.4756% | 767 |
| Net loans and leases to core deposits | 145.8992% | 212 |
| Total domestic deposits to total assets | 84.0390% | 4,111 |
| Equity capital to assets | 12.5996% | 1,813 |
| Core capital (leverage) ratio | 12.5040% | 1,405 |
| Tier 1 risk-based capital ratio | 14.4841% | 3,518 |
| Total risk-based capital ratio | 15.7417% | 3,489 |
| Memoranda: | ||
| Average total assets | $136,161,000 | 4,186 |
| Average earning assets | $127,728,000 | 4,116 |
| Average equity | $17,968,500 | 3,477 |
| Average total loans | $117,297,250 | 3,415 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1963% | 631 |
| Cost of funding earning assets | 0.9658% | 6,307 |
| Net interest margin | 5.2305% | 272 |
| Noninterest income to average assets | 0.6032% | 3,320 |
| Noninterest expense to average assets | 4.3287% | 700 |
| Loan and lease loss provision to assets | 0.8008% | 1,805 |
| Net operating income to assets | 0.3682% | 4,900 |
| Return on assets (ROA) | 0.3682% | 5,063 |
| Pretax return on assets | 0.3697% | 5,310 |
| Return on Equity (ROE) | 2.7456% | 5,346 |
| Retained earnings to average equity (ytd only) | 1.5402% | 5,100 |
| Net charge-offs to loans | 0.3450% | 3,622 |
| Credit loss provision to net charge-offs | 267.5000% | 1,414 |
| Earnings coverage of net charge-offs (x) | 3.9100% | 3,124 |
| Efficiency ratio | 78.7153% | 2,624 |
| Assets per employee ($millions) | 4.2314% | 3,332 |
| Cash dividends to net income (ytd only)* | 43.9024% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6650% | 3,209 |
| Loan loss allowance to noncurrent loans | 42.8786% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 3.8000% | 1,834 |
| Noncurrent loans to loans | 3.8831% | 1,974 |
| Net loans and leases to total assets | 81.9363% | 539 |
| Net loans and leases to deposits | 97.2896% | 936 |
| Net loans and leases to core deposits | 142.9866% | 256 |
| Total domestic deposits to total assets | 84.2190% | 4,006 |
| Equity capital to assets | 12.5385% | 1,771 |
| Core capital (leverage) ratio | 12.4720% | 1,419 |
| Tier 1 risk-based capital ratio | 14.1611% | 3,623 |
| Total risk-based capital ratio | 15.4149% | 3,583 |
| Memoranda: | ||
| Average total assets | $133,620,670 | 4,268 |
| Average earning assets | $125,074,330 | 4,208 |
| Average equity | $17,919,330 | 3,479 |
| Average total loans | $115,956,330 | 3,479 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2739% | 554 |
| Cost of funding earning assets | 1.0412% | 6,167 |
| Net interest margin | 5.2327% | 270 |
| Noninterest income to average assets | 0.1712% | 6,747 |
| Noninterest expense to average assets | 4.2740% | 739 |
| Loan and lease loss provision to assets | 0.4514% | 2,709 |
| Net operating income to assets | 0.3113% | 5,247 |
| Return on assets (ROA) | 0.3113% | 5,377 |
| Pretax return on assets | 0.3113% | 5,567 |
| Return on Equity (ROE) | 2.2397% | 5,660 |
| Retained earnings to average equity (ytd only) | 1.0303% | 5,400 |
| Net charge-offs to loans | 0.3684% | 2,936 |
| Credit loss provision to net charge-offs | 138.0952% | 2,563 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 3,381 |
| Efficiency ratio | 84.8578% | 1,925 |
| Assets per employee ($millions) | 3.7725% | 4,374 |
| Cash dividends to net income (ytd only)* | 54.0000% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4645% | 4,107 |
| Loan loss allowance to noncurrent loans | 43.1188% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 4.5487% | 1,481 |
| Noncurrent loans to loans | 3.3965% | 2,356 |
| Net loans and leases to total assets | 86.3706% | 196 |
| Net loans and leases to deposits | 104.1974% | 519 |
| Net loans and leases to core deposits | 138.6950% | 341 |
| Total domestic deposits to total assets | 82.8913% | 4,684 |
| Equity capital to assets | 13.5446% | 1,304 |
| Core capital (leverage) ratio | 14.1636% | 920 |
| Tier 1 risk-based capital ratio | 14.6606% | 3,282 |
| Total risk-based capital ratio | 15.9128% | 3,246 |
| Memoranda: | ||
| Average total assets | $128,496,500 | 4,447 |
| Average earning assets | $119,478,500 | 4,386 |
| Average equity | $17,859,500 | 3,508 |
| Average total loans | $113,996,000 | 3,594 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4831% | 697 |
| Cost of funding earning assets | 1.2952% | 6,324 |
| Net interest margin | 5.1880% | 301 |
| Noninterest income to average assets | 0.1518% | 6,973 |
| Noninterest expense to average assets | 4.6624% | 677 |
| Loan and lease loss provision to assets | 3.4865% | 445 |
| Net operating income to assets | -3.1632% | 7,437 |
| Return on assets (ROA) | -3.1632% | 7,441 |
| Pretax return on assets | -3.1624% | 7,341 |
| Return on Equity (ROE) | -21.4250% | 7,187 |
| Retained earnings to average equity (ytd only) | -22.2220% | 7,184 |
| Net charge-offs to loans | 4.1591% | 381 |
| Credit loss provision to net charge-offs | 94.5451% | 5,827 |
| Earnings coverage of net charge-offs (x) | 0.0879% | 6,071 |
| Efficiency ratio | 93.4998% | 1,444 |
| Assets per employee ($millions) | 3.2883% | 5,517 |
| Cash dividends to net income (ytd only)* | -3.7197% | 7,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4761% | 3,853 |
| Loan loss allowance to noncurrent loans | 62.2698% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 3.7902% | 1,756 |
| Noncurrent loans to loans | 2.3705% | 3,203 |
| Net loans and leases to total assets | 88.5103% | 151 |
| Net loans and leases to deposits | 111.6407% | 327 |
| Net loans and leases to core deposits | 151.5955% | 473 |
| Total domestic deposits to total assets | 79.2813% | 5,908 |
| Equity capital to assets | 14.2731% | 1,088 |
| Core capital (leverage) ratio | 13.6228% | 1,060 |
| Tier 1 risk-based capital ratio | 14.6425% | 3,135 |
| Total risk-based capital ratio | 15.8939% | 3,087 |
| Memoranda: | ||
| Average total assets | $131,735,000 | 4,305 |
| Average earning assets | $122,764,800 | 4,244 |
| Average equity | $19,449,200 | 3,286 |
| Average total loans | $116,803,600 | 3,551 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4099% | 912 |
| Cost of funding earning assets | 1.3400% | 6,430 |
| Net interest margin | 5.0699% | 393 |
| Noninterest income to average assets | 0.1539% | 7,088 |
| Noninterest expense to average assets | 4.6405% | 642 |
| Loan and lease loss provision to assets | 3.1506% | 448 |
| Net operating income to assets | -2.9088% | 7,566 |
| Return on assets (ROA) | -2.9088% | 7,566 |
| Pretax return on assets | -2.9078% | 7,475 |
| Return on Equity (ROE) | -19.5501% | 7,359 |
| Retained earnings to average equity (ytd only) | -20.2284% | 7,345 |
| Net charge-offs to loans | 3.4762% | 432 |
| Credit loss provision to net charge-offs | 102.5366% | 4,962 |
| Earnings coverage of net charge-offs (x) | 0.0790% | 5,969 |
| Efficiency ratio | 95.0276% | 1,328 |
| Assets per employee ($millions) | 3.7099% | 4,402 |
| Cash dividends to net income (ytd only)* | -3.4695% | 7,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7180% | 2,558 |
| Loan loss allowance to noncurrent loans | 80.7894% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 3.3716% | 1,991 |
| Noncurrent loans to loans | 2.1265% | 3,475 |
| Net loans and leases to total assets | 83.6041% | 592 |
| Net loans and leases to deposits | 112.0561% | 387 |
| Net loans and leases to core deposits | 153.1869% | 505 |
| Total domestic deposits to total assets | 74.6092% | 6,847 |
| Equity capital to assets | 13.9364% | 1,329 |
| Core capital (leverage) ratio | 13.8479% | 1,131 |
| Tier 1 risk-based capital ratio | 15.5310% | 2,810 |
| Total risk-based capital ratio | 16.7863% | 2,743 |
| Memoranda: | ||
| Average total assets | $133,430,000 | 4,291 |
| Average earning assets | $124,471,250 | 4,235 |
| Average equity | $19,852,750 | 3,260 |
| Average total loans | $117,940,750 | 3,557 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4648% | 886 |
| Cost of funding earning assets | 1.3982% | 6,483 |
| Net interest margin | 5.0666% | 376 |
| Noninterest income to average assets | 0.1604% | 7,127 |
| Noninterest expense to average assets | 4.4313% | 834 |
| Loan and lease loss provision to assets | 3.5459% | 401 |
| Net operating income to assets | -3.0965% | 7,697 |
| Return on assets (ROA) | -3.0965% | 7,694 |
| Pretax return on assets | -3.0949% | 7,593 |
| Return on Equity (ROE) | -20.3646% | 7,513 |
| Retained earnings to average equity (ytd only) | -20.8324% | 7,477 |
| Net charge-offs to loans | 4.3183% | 310 |
| Credit loss provision to net charge-offs | 91.7025% | 4,870 |
| Earnings coverage of net charge-offs (x) | 0.1166% | 5,552 |
| Efficiency ratio | 90.7626% | 1,744 |
| Assets per employee ($millions) | 3.8011% | 4,094 |
| Cash dividends to net income (ytd only)* | -2.2972% | 7,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 3,365 |
| Loan loss allowance to noncurrent loans | 56.6756% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 4.0105% | 1,478 |
| Noncurrent loans to loans | 2.5896% | 2,802 |
| Net loans and leases to total assets | 83.3068% | 742 |
| Net loans and leases to deposits | 118.5049% | 268 |
| Net loans and leases to core deposits | 155.6528% | 532 |
| Total domestic deposits to total assets | 70.2982% | 7,439 |
| Equity capital to assets | 14.6251% | 1,133 |
| Core capital (leverage) ratio | 14.6610% | 984 |
| Tier 1 risk-based capital ratio | 15.9949% | 2,630 |
| Total risk-based capital ratio | 17.2462% | 2,566 |
| Memoranda: | ||
| Average total assets | $132,151,330 | 4,347 |
| Average earning assets | $123,160,000 | 4,287 |
| Average equity | $20,093,670 | 3,225 |
| Average total loans | $118,332,330 | 3,572 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5971% | 711 |
| Cost of funding earning assets | 1.5857% | 6,086 |
| Net interest margin | 5.0114% | 392 |
| Noninterest income to average assets | 0.1510% | 7,219 |
| Noninterest expense to average assets | 4.2771% | 871 |
| Loan and lease loss provision to assets | 0.3359% | 3,307 |
| Net operating income to assets | 0.2126% | 5,623 |
| Return on assets (ROA) | 0.2126% | 5,784 |
| Pretax return on assets | 0.2126% | 5,906 |
| Return on Equity (ROE) | 1.3708% | 6,019 |
| Retained earnings to average equity (ytd only) | 1.3708% | 5,086 |
| Net charge-offs to loans | 2.1396% | 672 |
| Credit loss provision to net charge-offs | 17.0313% | 5,110 |
| Earnings coverage of net charge-offs (x) | 0.2781% | 4,748 |
| Efficiency ratio | 88.6335% | 1,837 |
| Assets per employee ($millions) | 3.4268% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 4,996 |
| Loan loss allowance to noncurrent loans | 35.8333% | 6,169 |
| Noncurrent assets plus other real estate owned to assets | 5.4800% | 780 |
| Noncurrent loans to loans | 3.2601% | 1,976 |
| Net loans and leases to total assets | 89.3979% | 167 |
| Net loans and leases to deposits | 138.6645% | 95 |
| Net loans and leases to core deposits | 161.9749% | 469 |
| Total domestic deposits to total assets | 64.4706% | 7,822 |
| Equity capital to assets | 17.0229% | 722 |
| Core capital (leverage) ratio | 16.9676% | 658 |
| Tier 1 risk-based capital ratio | 17.0875% | 2,308 |
| Total risk-based capital ratio | 18.1789% | 2,293 |
| Memoranda: | ||
| Average total assets | $129,807,000 | 4,410 |
| Average earning assets | $121,083,000 | 4,357 |
| Average equity | $20,134,000 | 3,238 |
| Average total loans | $119,651,000 | 3,566 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9854% | 1,172 |
| Cost of funding earning assets | 2.5249% | 4,073 |
| Net interest margin | 4.4605% | 1,514 |
| Noninterest income to average assets | 0.3771% | 5,670 |
| Noninterest expense to average assets | 4.0970% | 1,287 |
| Loan and lease loss provision to assets | 1.2475% | 1,148 |
| Net operating income to assets | -0.7449% | 7,098 |
| Return on assets (ROA) | -0.7449% | 7,004 |
| Pretax return on assets | -0.7441% | 6,842 |
| Return on Equity (ROE) | -5.0855% | 6,876 |
| Retained earnings to average equity (ytd only) | -5.0855% | 6,526 |
| Net charge-offs to loans | 0.7384% | 1,676 |
| Credit loss provision to net charge-offs | 181.7253% | 2,756 |
| Earnings coverage of net charge-offs (x) | 0.7333% | 5,782 |
| Efficiency ratio | 89.0583% | 1,582 |
| Assets per employee ($millions) | 3.3178% | 5,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5727% | 2,352 |
| Loan loss allowance to noncurrent loans | 27.2611% | 6,878 |
| Noncurrent assets plus other real estate owned to assets | 5.6239% | 565 |
| Noncurrent loans to loans | 5.7689% | 652 |
| Net loans and leases to total assets | 92.4317% | 69 |
| Net loans and leases to deposits | 109.4354% | 871 |
| Net loans and leases to core deposits | 113.3378% | 3,414 |
| Total domestic deposits to total assets | 84.4623% | 3,098 |
| Equity capital to assets | 13.9889% | 1,426 |
| Core capital (leverage) ratio | 13.1118% | 1,517 |
| Tier 1 risk-based capital ratio | 13.6344% | 3,734 |
| Total risk-based capital ratio | 14.8874% | 3,644 |
| Memoranda: | ||
| Average total assets | $128,336,800 | 4,323 |
| Average earning assets | $121,511,000 | 4,224 |
| Average equity | $18,798,600 | 3,430 |
| Average total loans | $119,310,600 | 3,478 |