Home > Cumberland Bank and Trust > Performance and Condition Ratios
Cumberland Bank and Trust, Performance and Condition Ratios
| 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 | 4.9537% | 706 |
| Cost of funding earning assets | 0.5752% | 1,775 |
| Net interest margin | 4.3785% | 814 |
| Noninterest income to average assets | 0.6768% | 2,062 |
| Noninterest expense to average assets | 3.3495% | 1,289 |
| Loan and lease loss provision to assets | 0.0431% | 3,383 |
| Net operating income to assets | 0.7159% | 3,536 |
| Return on assets (ROA) | 0.7159% | 3,583 |
| Pretax return on assets | 1.1807% | 2,847 |
| Return on Equity (ROE) | 5.9998% | 3,764 |
| Retained earnings to average equity (ytd only) | 4.6034% | 2,390 |
| Net charge-offs to loans | 0.0686% | 2,475 |
| Credit loss provision to net charge-offs | 81.5217% | 2,922 |
| Earnings coverage of net charge-offs (x) | 23.1522% | 1,821 |
| Efficiency ratio | 73.2412% | 2,024 |
| Assets per employee ($millions) | 4.1332% | 3,765 |
| Cash dividends to net income (ytd only)* | 23.2745% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 2,269 |
| Loan loss allowance to noncurrent loans | 1,495.6897% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 3,123 |
| Noncurrent loans to loans | 0.0862% | 4,618 |
| Net loans and leases to total assets | 76.5012% | 1,509 |
| Net loans and leases to deposits | 88.1826% | 1,999 |
| Net loans and leases to core deposits | 92.2333% | 2,357 |
| Total domestic deposits to total assets | 86.7532% | 2,111 |
| Equity capital to assets | 12.2025% | 1,700 |
| Core capital (leverage) ratio | 12.6914% | 1,268 |
| Tier 1 risk-based capital ratio | 13.7421% | 3,500 |
| Total risk-based capital ratio | 14.8707% | 3,479 |
| Memoranda: | ||
| Average total assets | $174,053,400 | 3,194 |
| Average earning assets | $154,893,600 | 3,262 |
| Average equity | $20,767,200 | 3,055 |
| Average total loans | $134,156,400 | 2,854 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9438% | 690 |
| Cost of funding earning assets | 0.5864% | 1,626 |
| Net interest margin | 4.3573% | 809 |
| Noninterest income to average assets | 0.6354% | 2,281 |
| Noninterest expense to average assets | 2.8501% | 2,565 |
| Loan and lease loss provision to assets | 0.0574% | 2,938 |
| Net operating income to assets | 1.0488% | 2,335 |
| Return on assets (ROA) | 1.0488% | 2,377 |
| Pretax return on assets | 1.6298% | 1,314 |
| Return on Equity (ROE) | 8.8399% | 2,707 |
| Retained earnings to average equity (ytd only) | 6.9687% | 1,707 |
| Net charge-offs to loans | 0.0627% | 2,218 |
| Credit loss provision to net charge-offs | 119.0476% | 2,013 |
| Earnings coverage of net charge-offs (x) | 34.9832% | 1,423 |
| Efficiency ratio | 62.8142% | 3,752 |
| Assets per employee ($millions) | 3.9717% | 4,035 |
| Cash dividends to net income (ytd only)* | 21.1681% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 2,175 |
| Loan loss allowance to noncurrent loans | 576.4706% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.5689% | 2,821 |
| Noncurrent loans to loans | 0.2319% | 4,139 |
| Net loans and leases to total assets | 78.0519% | 1,261 |
| Net loans and leases to deposits | 90.0864% | 1,800 |
| Net loans and leases to core deposits | 94.5994% | 2,213 |
| Total domestic deposits to total assets | 86.6412% | 2,023 |
| Equity capital to assets | 12.7976% | 1,492 |
| Core capital (leverage) ratio | 12.5242% | 1,408 |
| Tier 1 risk-based capital ratio | 13.9136% | 3,487 |
| Total risk-based capital ratio | 15.0685% | 3,457 |
| Memoranda: | ||
| Average total assets | $174,167,750 | 3,215 |
| Average earning assets | $155,962,750 | 3,277 |
| Average equity | $20,663,250 | 3,090 |
| Average total loans | $134,061,000 | 2,881 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8815% | 730 |
| Cost of funding earning assets | 0.5953% | 1,480 |
| Net interest margin | 4.2862% | 895 |
| Noninterest income to average assets | 0.5537% | 2,693 |
| Noninterest expense to average assets | 2.8208% | 2,677 |
| Loan and lease loss provision to assets | 0.0566% | 2,841 |
| Net operating income to assets | 0.9682% | 2,575 |
| Return on assets (ROA) | 0.9682% | 2,625 |
| Pretax return on assets | 1.5004% | 1,631 |
| Return on Equity (ROE) | 8.3680% | 2,843 |
| Retained earnings to average equity (ytd only) | 5.5297% | 2,389 |
| Net charge-offs to loans | 0.0965% | 1,661 |
| Credit loss provision to net charge-offs | 76.9231% | 2,295 |
| Earnings coverage of net charge-offs (x) | 21.1538% | 1,764 |
| Efficiency ratio | 64.4335% | 3,601 |
| Assets per employee ($millions) | 4.1687% | 3,683 |
| Cash dividends to net income (ytd only)* | 33.9181% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 2,500 |
| Loan loss allowance to noncurrent loans | 212.8676% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.8527% | 2,074 |
| Noncurrent loans to loans | 0.6026% | 2,919 |
| Net loans and leases to total assets | 76.3493% | 1,491 |
| Net loans and leases to deposits | 87.1700% | 2,082 |
| Net loans and leases to core deposits | 93.6756% | 2,187 |
| Total domestic deposits to total assets | 87.5867% | 1,668 |
| Equity capital to assets | 11.9124% | 1,987 |
| Core capital (leverage) ratio | 11.8142% | 1,753 |
| Tier 1 risk-based capital ratio | 13.2404% | 3,847 |
| Total risk-based capital ratio | 14.3496% | 3,852 |
| Memoranda: | ||
| Average total assets | $176,619,670 | 3,200 |
| Average earning assets | $157,575,330 | 3,276 |
| Average equity | $20,435,000 | 3,112 |
| Average total loans | $134,760,000 | 2,876 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7559% | 836 |
| Cost of funding earning assets | 0.5898% | 1,443 |
| Net interest margin | 4.1661% | 1,053 |
| Noninterest income to average assets | 0.5299% | 2,765 |
| Noninterest expense to average assets | 2.7804% | 2,862 |
| Loan and lease loss provision to assets | 0.1691% | 1,051 |
| Net operating income to assets | 0.8524% | 2,983 |
| Return on assets (ROA) | 0.8524% | 3,025 |
| Pretax return on assets | 1.3237% | 2,158 |
| Return on Equity (ROE) | 7.4763% | 3,175 |
| Retained earnings to average equity (ytd only) | 1.7405% | 4,418 |
| Net charge-offs to loans | 0.1517% | 1,050 |
| Credit loss provision to net charge-offs | 147.0588% | 1,230 |
| Earnings coverage of net charge-offs (x) | 12.9804% | 1,814 |
| Efficiency ratio | 65.0660% | 3,653 |
| Assets per employee ($millions) | 4.2757% | 3,537 |
| Cash dividends to net income (ytd only)* | 76.7196% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 2,432 |
| Loan loss allowance to noncurrent loans | 273.6518% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 1.2299% | 1,420 |
| Noncurrent loans to loans | 0.4832% | 3,354 |
| Net loans and leases to total assets | 75.6104% | 1,476 |
| Net loans and leases to deposits | 86.2006% | 2,014 |
| Net loans and leases to core deposits | 92.4111% | 2,126 |
| Total domestic deposits to total assets | 87.7145% | 1,881 |
| Equity capital to assets | 11.5668% | 2,141 |
| Core capital (leverage) ratio | 11.5190% | 1,932 |
| Tier 1 risk-based capital ratio | 13.1716% | 3,976 |
| Total risk-based capital ratio | 14.3263% | 3,937 |
| Memoranda: | ||
| Average total assets | $177,386,500 | 3,213 |
| Average earning assets | $159,382,000 | 3,278 |
| Average equity | $20,224,000 | 3,143 |
| Average total loans | $134,433,000 | 2,897 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8028% | 882 |
| Cost of funding earning assets | 0.6194% | 1,216 |
| Net interest margin | 4.1834% | 1,155 |
| Noninterest income to average assets | 0.6871% | 2,233 |
| Noninterest expense to average assets | 2.8062% | 3,001 |
| Loan and lease loss provision to assets | 0.1137% | 2,169 |
| Net operating income to assets | 0.9893% | 2,396 |
| Return on assets (ROA) | 0.9911% | 2,493 |
| Pretax return on assets | 1.5429% | 1,454 |
| Return on Equity (ROE) | 8.9240% | 2,457 |
| Retained earnings to average equity (ytd only) | 6.4934% | 1,460 |
| Net charge-offs to loans | 0.0396% | 3,234 |
| Credit loss provision to net charge-offs | 384.6154% | 819 |
| Earnings coverage of net charge-offs (x) | 55.9615% | 946 |
| Efficiency ratio | 62.9205% | 4,119 |
| Assets per employee ($millions) | 4.3773% | 3,317 |
| Cash dividends to net income (ytd only)* | 27.2362% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3022% | 2,531 |
| Loan loss allowance to noncurrent loans | 86.0088% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.6549% | 947 |
| Noncurrent loans to loans | 1.5140% | 1,318 |
| Net loans and leases to total assets | 73.9905% | 1,853 |
| Net loans and leases to deposits | 84.0576% | 2,406 |
| Net loans and leases to core deposits | 91.0057% | 2,407 |
| Total domestic deposits to total assets | 88.0236% | 1,618 |
| Equity capital to assets | 11.2393% | 2,376 |
| Core capital (leverage) ratio | 11.2811% | 2,096 |
| Tier 1 risk-based capital ratio | 13.0867% | 4,006 |
| Total risk-based capital ratio | 14.2234% | 3,999 |
| Memoranda: | ||
| Average total assets | $175,967,000 | 3,209 |
| Average earning assets | $158,697,600 | 3,261 |
| Average equity | $19,542,800 | 3,214 |
| Average total loans | $131,338,800 | 2,900 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7978% | 901 |
| Cost of funding earning assets | 0.6183% | 1,220 |
| Net interest margin | 4.1795% | 1,179 |
| Noninterest income to average assets | 0.7166% | 2,096 |
| Noninterest expense to average assets | 2.7459% | 3,190 |
| Loan and lease loss provision to assets | 0.1523% | 1,535 |
| Net operating income to assets | 1.0240% | 2,318 |
| Return on assets (ROA) | 1.0265% | 2,438 |
| Pretax return on assets | 1.6006% | 1,375 |
| Return on Equity (ROE) | 9.2712% | 2,371 |
| Retained earnings to average equity (ytd only) | 6.0043% | 2,183 |
| Net charge-offs to loans | 0.0133% | 3,487 |
| Credit loss provision to net charge-offs | 1,538.4615% | 300 |
| Earnings coverage of net charge-offs (x) | 176.7219% | 407 |
| Efficiency ratio | 61.0876% | 4,376 |
| Assets per employee ($millions) | 4.1618% | 3,671 |
| Cash dividends to net income (ytd only)* | 35.2375% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 2,538 |
| Loan loss allowance to noncurrent loans | 135.7847% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 1.0936% | 1,868 |
| Noncurrent loans to loans | 0.9779% | 2,285 |
| Net loans and leases to total assets | 74.3681% | 1,809 |
| Net loans and leases to deposits | 84.3722% | 2,447 |
| Net loans and leases to core deposits | 92.8335% | 2,299 |
| Total domestic deposits to total assets | 88.1430% | 1,331 |
| Equity capital to assets | 11.1787% | 2,817 |
| Core capital (leverage) ratio | 11.1148% | 2,343 |
| Tier 1 risk-based capital ratio | 12.8144% | 4,268 |
| Total risk-based capital ratio | 13.9753% | 4,239 |
| Memoranda: | ||
| Average total assets | $175,091,500 | 3,233 |
| Average earning assets | $158,291,500 | 3,280 |
| Average equity | $19,385,750 | 3,251 |
| Average total loans | $130,538,000 | 2,922 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8526% | 795 |
| Cost of funding earning assets | 0.6206% | 1,192 |
| Net interest margin | 4.2321% | 1,055 |
| Noninterest income to average assets | 0.6317% | 2,458 |
| Noninterest expense to average assets | 2.7859% | 3,071 |
| Loan and lease loss provision to assets | 0.1726% | 1,281 |
| Net operating income to assets | 0.9411% | 2,671 |
| Return on assets (ROA) | 0.9447% | 2,793 |
| Pretax return on assets | 1.4695% | 1,776 |
| Return on Equity (ROE) | 8.5613% | 2,721 |
| Retained earnings to average equity (ytd only) | 3.6081% | 3,595 |
| Net charge-offs to loans | 0.0046% | 3,544 |
| Credit loss provision to net charge-offs | 5,000.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 474.0000% | 145 |
| Efficiency ratio | 62.9977% | 4,179 |
| Assets per employee ($millions) | 4.3402% | 3,312 |
| Cash dividends to net income (ytd only)* | 57.8563% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 2,748 |
| Loan loss allowance to noncurrent loans | 444.4162% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.7255% | 2,805 |
| Noncurrent loans to loans | 0.2939% | 4,317 |
| Net loans and leases to total assets | 74.3560% | 1,763 |
| Net loans and leases to deposits | 84.1265% | 2,453 |
| Net loans and leases to core deposits | 94.2878% | 2,137 |
| Total domestic deposits to total assets | 88.3859% | 1,227 |
| Equity capital to assets | 10.9852% | 3,076 |
| Core capital (leverage) ratio | 11.0294% | 2,404 |
| Tier 1 risk-based capital ratio | 12.8404% | 4,288 |
| Total risk-based capital ratio | 14.0090% | 4,251 |
| Memoranda: | ||
| Average total assets | $173,803,000 | 3,269 |
| Average earning assets | $155,668,000 | 3,328 |
| Average equity | $19,179,330 | 3,276 |
| Average total loans | $129,091,330 | 2,944 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7753% | 900 |
| Cost of funding earning assets | 0.6118% | 1,257 |
| Net interest margin | 4.1635% | 1,187 |
| Noninterest income to average assets | 0.5730% | 2,663 |
| Noninterest expense to average assets | 2.8743% | 2,792 |
| Loan and lease loss provision to assets | 0.1747% | 1,167 |
| Net operating income to assets | 0.8245% | 3,128 |
| Return on assets (ROA) | 0.8245% | 3,252 |
| Pretax return on assets | 1.2811% | 2,378 |
| Return on Equity (ROE) | 7.4546% | 3,211 |
| Retained earnings to average equity (ytd only) | -2.5480% | 5,436 |
| Net charge-offs to loans | 0.0158% | 2,622 |
| Credit loss provision to net charge-offs | 1,500.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 458 |
| Efficiency ratio | 66.3798% | 3,738 |
| Assets per employee ($millions) | 4.0425% | 3,874 |
| Cash dividends to net income (ytd only)* | 134.1808% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 2,965 |
| Loan loss allowance to noncurrent loans | 170.8163% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 1.0290% | 2,152 |
| Noncurrent loans to loans | 0.7554% | 2,944 |
| Net loans and leases to total assets | 75.4241% | 1,481 |
| Net loans and leases to deposits | 85.5425% | 2,116 |
| Net loans and leases to core deposits | 93.8099% | 2,011 |
| Total domestic deposits to total assets | 88.1714% | 1,547 |
| Equity capital to assets | 11.1718% | 2,749 |
| Core capital (leverage) ratio | 10.9244% | 2,470 |
| Tier 1 risk-based capital ratio | 12.8720% | 4,344 |
| Total risk-based capital ratio | 14.0275% | 4,321 |
| Memoranda: | ||
| Average total assets | $171,730,500 | 3,305 |
| Average earning assets | $154,965,000 | 3,353 |
| Average equity | $18,995,000 | 3,304 |
| Average total loans | $126,604,000 | 2,993 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9420% | 703 |
| Cost of funding earning assets | 0.6165% | 1,265 |
| Net interest margin | 4.3255% | 916 |
| Noninterest income to average assets | 0.6260% | 2,585 |
| Noninterest expense to average assets | 2.8786% | 2,933 |
| Loan and lease loss provision to assets | 0.1146% | 2,090 |
| Net operating income to assets | 1.0039% | 2,344 |
| Return on assets (ROA) | 1.0287% | 2,300 |
| Pretax return on assets | 1.5936% | 1,261 |
| Return on Equity (ROE) | 9.5917% | 2,181 |
| Retained earnings to average equity (ytd only) | 6.8512% | 1,347 |
| Net charge-offs to loans | 0.3506% | 847 |
| Credit loss provision to net charge-offs | 43.3333% | 3,491 |
| Earnings coverage of net charge-offs (x) | 6.3133% | 3,245 |
| Efficiency ratio | 63.2851% | 4,398 |
| Assets per employee ($millions) | 4.0390% | 3,861 |
| Cash dividends to net income (ytd only)* | 28.5714% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 2,906 |
| Loan loss allowance to noncurrent loans | 167.2576% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 1.1400% | 1,920 |
| Noncurrent loans to loans | 0.7767% | 2,843 |
| Net loans and leases to total assets | 70.1716% | 2,336 |
| Net loans and leases to deposits | 79.4887% | 2,883 |
| Net loans and leases to core deposits | 87.4343% | 2,658 |
| Total domestic deposits to total assets | 88.2788% | 1,487 |
| Equity capital to assets | 10.9525% | 2,871 |
| Core capital (leverage) ratio | 10.8734% | 2,529 |
| Tier 1 risk-based capital ratio | 13.6976% | 3,889 |
| Total risk-based capital ratio | 14.8608% | 3,876 |
| Memoranda: | ||
| Average total assets | $170,114,800 | 3,301 |
| Average earning assets | $154,269,600 | 3,339 |
| Average equity | $18,245,000 | 3,349 |
| Average total loans | $128,343,000 | 2,912 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9981% | 623 |
| Cost of funding earning assets | 0.6093% | 1,351 |
| Net interest margin | 4.3889% | 817 |
| Noninterest income to average assets | 0.6406% | 2,526 |
| Noninterest expense to average assets | 2.8663% | 2,951 |
| Loan and lease loss provision to assets | 0.1773% | 1,189 |
| Net operating income to assets | 1.0175% | 2,384 |
| Return on assets (ROA) | 1.0503% | 2,311 |
| Pretax return on assets | 1.6325% | 1,290 |
| Return on Equity (ROE) | 9.8461% | 2,166 |
| Retained earnings to average equity (ytd only) | 6.1529% | 2,151 |
| Net charge-offs to loans | 0.3417% | 769 |
| Credit loss provision to net charge-offs | 67.7711% | 2,807 |
| Earnings coverage of net charge-offs (x) | 6.7228% | 3,010 |
| Efficiency ratio | 61.9761% | 4,576 |
| Assets per employee ($millions) | 3.9071% | 4,068 |
| Cash dividends to net income (ytd only)* | 37.5094% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 2,728 |
| Loan loss allowance to noncurrent loans | 329.3233% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.8423% | 2,770 |
| Noncurrent loans to loans | 0.4169% | 4,107 |
| Net loans and leases to total assets | 73.2117% | 1,868 |
| Net loans and leases to deposits | 82.8488% | 2,547 |
| Net loans and leases to core deposits | 90.5506% | 2,408 |
| Total domestic deposits to total assets | 88.3678% | 1,364 |
| Equity capital to assets | 10.8294% | 3,211 |
| Core capital (leverage) ratio | 10.8453% | 2,651 |
| Tier 1 risk-based capital ratio | 13.2281% | 4,304 |
| Total risk-based capital ratio | 14.4781% | 4,224 |
| Memoranda: | ||
| Average total assets | $169,224,250 | 3,346 |
| Average earning assets | $153,627,250 | 3,377 |
| Average equity | $18,050,750 | 3,404 |
| Average total loans | $129,559,750 | 2,910 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9757% | 616 |
| Cost of funding earning assets | 0.5970% | 1,438 |
| Net interest margin | 4.3787% | 789 |
| Noninterest income to average assets | 0.5073% | 3,325 |
| Noninterest expense to average assets | 2.8409% | 3,100 |
| Loan and lease loss provision to assets | 0.1782% | 1,153 |
| Net operating income to assets | 0.9541% | 2,611 |
| Return on assets (ROA) | 0.9541% | 2,728 |
| Pretax return on assets | 1.4709% | 1,724 |
| Return on Equity (ROE) | 8.9912% | 2,553 |
| Retained earnings to average equity (ytd only) | 3.3927% | 3,876 |
| Net charge-offs to loans | 0.1874% | 1,335 |
| Credit loss provision to net charge-offs | 122.9508% | 1,767 |
| Earnings coverage of net charge-offs (x) | 11.3770% | 2,297 |
| Efficiency ratio | 63.2707% | 4,471 |
| Assets per employee ($millions) | 3.7119% | 4,400 |
| Cash dividends to net income (ytd only)* | 62.2665% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 2,573 |
| Loan loss allowance to noncurrent loans | 171.0789% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.9902% | 2,549 |
| Noncurrent loans to loans | 0.8412% | 3,020 |
| Net loans and leases to total assets | 77.3700% | 1,153 |
| Net loans and leases to deposits | 89.9940% | 1,602 |
| Net loans and leases to core deposits | 98.1380% | 1,643 |
| Total domestic deposits to total assets | 85.9724% | 2,705 |
| Equity capital to assets | 10.8019% | 3,105 |
| Core capital (leverage) ratio | 10.8477% | 2,568 |
| Tier 1 risk-based capital ratio | 12.8165% | 4,616 |
| Total risk-based capital ratio | 14.0679% | 4,531 |
| Memoranda: | ||
| Average total assets | $168,328,670 | 3,380 |
| Average earning assets | $153,105,330 | 3,399 |
| Average equity | $17,862,000 | 3,441 |
| Average total loans | $130,209,330 | 2,909 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9258% | 660 |
| Cost of funding earning assets | 0.6005% | 1,436 |
| Net interest margin | 4.3254% | 833 |
| Noninterest income to average assets | 0.4971% | 3,305 |
| Noninterest expense to average assets | 2.8170% | 3,189 |
| Loan and lease loss provision to assets | 0.1775% | 1,091 |
| Net operating income to assets | 0.9208% | 2,648 |
| Return on assets (ROA) | 0.9208% | 2,769 |
| Pretax return on assets | 1.4416% | 1,744 |
| Return on Equity (ROE) | 8.7556% | 2,571 |
| Retained earnings to average equity (ytd only) | -2.4984% | 5,746 |
| Net charge-offs to loans | 0.2929% | 814 |
| Credit loss provision to net charge-offs | 78.9474% | 1,835 |
| Earnings coverage of net charge-offs (x) | 7.2000% | 2,199 |
| Efficiency ratio | 63.5005% | 4,554 |
| Assets per employee ($millions) | 3.9010% | 4,159 |
| Cash dividends to net income (ytd only)* | 128.5347% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4291% | 2,791 |
| Loan loss allowance to noncurrent loans | 129.1433% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.9920% | 2,640 |
| Noncurrent loans to loans | 1.1066% | 2,555 |
| Net loans and leases to total assets | 75.6202% | 1,265 |
| Net loans and leases to deposits | 85.3395% | 1,915 |
| Net loans and leases to core deposits | 92.7745% | 1,878 |
| Total domestic deposits to total assets | 88.6110% | 1,493 |
| Equity capital to assets | 10.5842% | 3,450 |
| Core capital (leverage) ratio | 10.3076% | 3,208 |
| Tier 1 risk-based capital ratio | 12.7760% | 4,743 |
| Total risk-based capital ratio | 14.0269% | 4,659 |
| Memoranda: | ||
| Average total assets | $168,975,500 | 3,384 |
| Average earning assets | $153,883,000 | 3,406 |
| Average equity | $17,771,500 | 3,485 |
| Average total loans | $129,753,000 | 2,914 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2663% | 467 |
| Cost of funding earning assets | 0.5970% | 1,781 |
| Net interest margin | 4.6693% | 549 |
| Noninterest income to average assets | 0.4422% | 3,885 |
| Noninterest expense to average assets | 2.8380% | 3,350 |
| Loan and lease loss provision to assets | 0.1571% | 1,671 |
| Net operating income to assets | 1.1152% | 1,924 |
| Return on assets (ROA) | 1.1454% | 1,855 |
| Pretax return on assets | 1.7845% | 820 |
| Return on Equity (ROE) | 11.2569% | 1,633 |
| Retained earnings to average equity (ytd only) | 8.1339% | 973 |
| Net charge-offs to loans | 0.0419% | 3,985 |
| Credit loss provision to net charge-offs | 472.7273% | 556 |
| Earnings coverage of net charge-offs (x) | 57.0182% | 827 |
| Efficiency ratio | 59.9694% | 5,233 |
| Assets per employee ($millions) | 3.7824% | 4,376 |
| Cash dividends to net income (ytd only)* | 27.7426% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 2,845 |
| Loan loss allowance to noncurrent loans | 207.4777% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.6674% | 3,575 |
| Noncurrent loans to loans | 0.6849% | 3,632 |
| Net loans and leases to total assets | 75.7664% | 1,303 |
| Net loans and leases to deposits | 85.5583% | 2,035 |
| Net loans and leases to core deposits | 92.8960% | 2,003 |
| Total domestic deposits to total assets | 88.5553% | 1,492 |
| Equity capital to assets | 10.4512% | 3,546 |
| Core capital (leverage) ratio | 10.2939% | 3,181 |
| Tier 1 risk-based capital ratio | 13.5760% | 4,365 |
| Total risk-based capital ratio | 14.8286% | 4,299 |
| Memoranda: | ||
| Average total assets | $165,537,400 | 3,404 |
| Average earning assets | $152,098,800 | 3,408 |
| Average equity | $16,843,000 | 3,548 |
| Average total loans | $131,346,400 | 2,843 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2976% | 442 |
| Cost of funding earning assets | 0.5911% | 1,914 |
| Net interest margin | 4.7065% | 500 |
| Noninterest income to average assets | 0.4421% | 3,945 |
| Noninterest expense to average assets | 2.8699% | 3,230 |
| Loan and lease loss provision to assets | 0.1647% | 1,506 |
| Net operating income to assets | 1.1057% | 2,002 |
| Return on assets (ROA) | 1.1462% | 1,938 |
| Pretax return on assets | 1.8048% | 885 |
| Return on Equity (ROE) | 11.3447% | 1,672 |
| Retained earnings to average equity (ytd only) | 7.1215% | 1,757 |
| Net charge-offs to loans | 0.0112% | 4,348 |
| Credit loss provision to net charge-offs | 1,845.4545% | 193 |
| Earnings coverage of net charge-offs (x) | 213.5828% | 305 |
| Efficiency ratio | 60.0883% | 5,167 |
| Assets per employee ($millions) | 3.7837% | 4,323 |
| Cash dividends to net income (ytd only)* | 37.2260% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 3,228 |
| Loan loss allowance to noncurrent loans | 236.6667% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 4,364 |
| Noncurrent loans to loans | 0.5874% | 4,164 |
| Net loans and leases to total assets | 76.9045% | 1,105 |
| Net loans and leases to deposits | 86.5321% | 1,851 |
| Net loans and leases to core deposits | 93.7021% | 1,900 |
| Total domestic deposits to total assets | 88.8739% | 1,317 |
| Equity capital to assets | 10.1129% | 4,036 |
| Core capital (leverage) ratio | 10.2028% | 3,410 |
| Tier 1 risk-based capital ratio | 12.9151% | 4,917 |
| Total risk-based capital ratio | 14.1669% | 4,829 |
| Memoranda: | ||
| Average total assets | $164,369,250 | 3,451 |
| Average earning assets | $151,361,000 | 3,441 |
| Average equity | $16,606,500 | 3,601 |
| Average total loans | $131,477,750 | 2,841 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3192% | 423 |
| Cost of funding earning assets | 0.5813% | 2,063 |
| Net interest margin | 4.7380% | 459 |
| Noninterest income to average assets | 0.4076% | 4,191 |
| Noninterest expense to average assets | 2.8879% | 3,210 |
| Loan and lease loss provision to assets | 0.1663% | 1,475 |
| Net operating income to assets | 1.1017% | 1,933 |
| Return on assets (ROA) | 1.1576% | 1,805 |
| Pretax return on assets | 1.8177% | 817 |
| Return on Equity (ROE) | 11.4618% | 1,583 |
| Retained earnings to average equity (ytd only) | 6.2674% | 2,172 |
| Net charge-offs to loans | -0.0015% | 5,043 |
| Credit loss provision to net charge-offs | -13,500.0000% | 5,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3604% | 5,237 |
| Assets per employee ($millions) | 3.6931% | 4,465 |
| Cash dividends to net income (ytd only)* | 45.3191% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 3,711 |
| Loan loss allowance to noncurrent loans | 226.0101% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.5247% | 4,429 |
| Noncurrent loans to loans | 0.5873% | 4,263 |
| Net loans and leases to total assets | 80.0740% | 682 |
| Net loans and leases to deposits | 90.1305% | 1,361 |
| Net loans and leases to core deposits | 96.8607% | 1,531 |
| Total domestic deposits to total assets | 88.8423% | 1,450 |
| Equity capital to assets | 10.1119% | 3,954 |
| Core capital (leverage) ratio | 10.3239% | 3,177 |
| Tier 1 risk-based capital ratio | 12.6847% | 5,094 |
| Total risk-based capital ratio | 13.9342% | 5,038 |
| Memoranda: | ||
| Average total assets | $162,403,330 | 3,504 |
| Average earning assets | $150,021,330 | 3,484 |
| Average equity | $16,402,330 | 3,636 |
| Average total loans | $131,040,670 | 2,855 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2881% | 416 |
| Cost of funding earning assets | 0.5840% | 2,130 |
| Net interest margin | 4.7042% | 465 |
| Noninterest income to average assets | 0.4810% | 3,558 |
| Noninterest expense to average assets | 2.9406% | 3,079 |
| Loan and lease loss provision to assets | 0.1695% | 1,422 |
| Net operating income to assets | 1.0762% | 1,911 |
| Return on assets (ROA) | 1.1463% | 1,710 |
| Pretax return on assets | 1.8366% | 755 |
| Return on Equity (ROE) | 11.3573% | 1,584 |
| Retained earnings to average equity (ytd only) | 1.2098% | 5,122 |
| Net charge-offs to loans | 0.0031% | 3,613 |
| Credit loss provision to net charge-offs | 6,800.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 761.0000% | 38 |
| Efficiency ratio | 60.7934% | 5,294 |
| Assets per employee ($millions) | 3.7136% | 4,490 |
| Cash dividends to net income (ytd only)* | 89.3478% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 3,944 |
| Loan loss allowance to noncurrent loans | 527.9141% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 5,424 |
| Noncurrent loans to loans | 0.2522% | 5,347 |
| Net loans and leases to total assets | 79.8602% | 566 |
| Net loans and leases to deposits | 90.1893% | 1,122 |
| Net loans and leases to core deposits | 95.4157% | 1,434 |
| Total domestic deposits to total assets | 88.5474% | 1,915 |
| Equity capital to assets | 10.1870% | 3,613 |
| Core capital (leverage) ratio | 9.9809% | 3,597 |
| Tier 1 risk-based capital ratio | 12.9060% | 5,057 |
| Total risk-based capital ratio | 14.1576% | 4,997 |
| Memoranda: | ||
| Average total assets | $160,510,000 | 3,556 |
| Average earning assets | $148,634,500 | 3,529 |
| Average equity | $16,201,000 | 3,667 |
| Average total loans | $129,128,500 | 2,892 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4001% | 434 |
| Cost of funding earning assets | 0.5951% | 2,712 |
| Net interest margin | 4.8050% | 428 |
| Noninterest income to average assets | 0.5930% | 3,134 |
| Noninterest expense to average assets | 2.9983% | 3,061 |
| Loan and lease loss provision to assets | 0.1556% | 2,328 |
| Net operating income to assets | 1.1845% | 1,626 |
| Return on assets (ROA) | 1.1973% | 1,646 |
| Pretax return on assets | 1.8776% | 631 |
| Return on Equity (ROE) | 12.3777% | 1,312 |
| Retained earnings to average equity (ytd only) | 12.0923% | 312 |
| Net charge-offs to loans | 0.1226% | 3,584 |
| Credit loss provision to net charge-offs | 158.9744% | 1,440 |
| Earnings coverage of net charge-offs (x) | 20.5641% | 1,544 |
| Efficiency ratio | 59.8297% | 5,494 |
| Assets per employee ($millions) | 3.5852% | 4,722 |
| Cash dividends to net income (ytd only)* | 2.3061% | 4,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 4,225 |
| Loan loss allowance to noncurrent loans | 507.3620% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 5,399 |
| Noncurrent loans to loans | 0.2527% | 5,424 |
| Net loans and leases to total assets | 78.9396% | 724 |
| Net loans and leases to deposits | 88.9645% | 1,353 |
| Net loans and leases to core deposits | 94.3973% | 1,571 |
| Total domestic deposits to total assets | 88.7316% | 1,790 |
| Equity capital to assets | 10.0009% | 3,769 |
| Core capital (leverage) ratio | 10.1268% | 3,392 |
| Tier 1 risk-based capital ratio | 12.5749% | 5,245 |
| Total risk-based capital ratio | 13.8255% | 5,193 |
| Memoranda: | ||
| Average total assets | $159,356,200 | 3,572 |
| Average earning assets | $146,535,400 | 3,564 |
| Average equity | $15,414,800 | 3,796 |
| Average total loans | $127,286,400 | 2,899 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3377% | 497 |
| Cost of funding earning assets | 0.5935% | 2,864 |
| Net interest margin | 4.7442% | 480 |
| Noninterest income to average assets | 0.6135% | 3,060 |
| Noninterest expense to average assets | 3.0298% | 2,887 |
| Loan and lease loss provision to assets | 0.1553% | 2,321 |
| Net operating income to assets | 1.1430% | 1,843 |
| Return on assets (ROA) | 1.1532% | 1,872 |
| Pretax return on assets | 1.8053% | 896 |
| Return on Equity (ROE) | 12.0248% | 1,467 |
| Retained earnings to average equity (ytd only) | 11.6398% | 478 |
| Net charge-offs to loans | 0.1282% | 3,245 |
| Credit loss provision to net charge-offs | 151.6393% | 1,555 |
| Earnings coverage of net charge-offs (x) | 18.9921% | 1,648 |
| Efficiency ratio | 60.9077% | 5,295 |
| Assets per employee ($millions) | 3.6496% | 4,559 |
| Cash dividends to net income (ytd only)* | 3.2026% | 3,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 4,636 |
| Loan loss allowance to noncurrent loans | 91.0364% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.2237% | 3,192 |
| Noncurrent loans to loans | 1.3741% | 3,119 |
| Net loans and leases to total assets | 79.8809% | 564 |
| Net loans and leases to deposits | 89.7481% | 1,196 |
| Net loans and leases to core deposits | 95.2344% | 1,451 |
| Total domestic deposits to total assets | 89.0058% | 1,549 |
| Equity capital to assets | 9.7650% | 4,226 |
| Core capital (leverage) ratio | 9.6585% | 4,160 |
| Tier 1 risk-based capital ratio | 12.0802% | 5,731 |
| Total risk-based capital ratio | 13.3305% | 5,665 |
| Memoranda: | ||
| Average total assets | $158,861,250 | 3,609 |
| Average earning assets | $146,026,750 | 3,608 |
| Average equity | $15,234,750 | 3,872 |
| Average total loans | $126,855,000 | 2,929 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3479% | 483 |
| Cost of funding earning assets | 0.5800% | 3,129 |
| Net interest margin | 4.7679% | 454 |
| Noninterest income to average assets | 0.6899% | 2,688 |
| Noninterest expense to average assets | 3.0514% | 2,833 |
| Loan and lease loss provision to assets | 0.2022% | 1,873 |
| Net operating income to assets | 1.1559% | 1,714 |
| Return on assets (ROA) | 1.1713% | 1,774 |
| Pretax return on assets | 1.8334% | 856 |
| Return on Equity (ROE) | 12.2895% | 1,407 |
| Retained earnings to average equity (ytd only) | 11.7062% | 542 |
| Net charge-offs to loans | 0.1287% | 3,091 |
| Credit loss provision to net charge-offs | 197.5309% | 1,206 |
| Earnings coverage of net charge-offs (x) | 19.6543% | 1,497 |
| Efficiency ratio | 60.2695% | 5,446 |
| Assets per employee ($millions) | 3.6792% | 4,445 |
| Cash dividends to net income (ytd only)* | 4.7465% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 4,562 |
| Loan loss allowance to noncurrent loans | 68.2045% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 1.8044% | 2,406 |
| Noncurrent loans to loans | 1.8895% | 2,514 |
| Net loans and leases to total assets | 77.6462% | 790 |
| Net loans and leases to deposits | 86.9447% | 1,464 |
| Net loans and leases to core deposits | 92.1289% | 1,698 |
| Total domestic deposits to total assets | 89.3052% | 1,444 |
| Equity capital to assets | 9.4525% | 4,646 |
| Core capital (leverage) ratio | 9.4686% | 4,296 |
| Tier 1 risk-based capital ratio | 11.8958% | 5,851 |
| Total risk-based capital ratio | 13.1524% | 5,803 |
| Memoranda: | ||
| Average total assets | $158,287,000 | 3,645 |
| Average earning assets | $145,178,330 | 3,644 |
| Average equity | $15,086,000 | 3,926 |
| Average total loans | $125,839,670 | 2,956 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3330% | 478 |
| Cost of funding earning assets | 0.5765% | 3,321 |
| Net interest margin | 4.7565% | 436 |
| Noninterest income to average assets | 0.6288% | 2,988 |
| Noninterest expense to average assets | 3.0750% | 2,752 |
| Loan and lease loss provision to assets | 0.1994% | 1,864 |
| Net operating income to assets | 1.1013% | 1,849 |
| Return on assets (ROA) | 1.1323% | 1,857 |
| Pretax return on assets | 1.7688% | 940 |
| Return on Equity (ROE) | 11.8307% | 1,466 |
| Retained earnings to average equity (ytd only) | 11.8307% | 725 |
| Net charge-offs to loans | 0.0384% | 3,489 |
| Credit loss provision to net charge-offs | 650.0000% | 426 |
| Earnings coverage of net charge-offs (x) | 62.5833% | 571 |
| Efficiency ratio | 61.5660% | 5,365 |
| Assets per employee ($millions) | 3.4792% | 5,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3108% | 4,645 |
| Loan loss allowance to noncurrent loans | 78.4578% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 1.6477% | 2,801 |
| Noncurrent loans to loans | 1.6707% | 3,039 |
| Net loans and leases to total assets | 76.5847% | 767 |
| Net loans and leases to deposits | 86.0128% | 1,351 |
| Net loans and leases to core deposits | 90.9455% | 1,614 |
| Total domestic deposits to total assets | 89.0387% | 1,660 |
| Equity capital to assets | 9.4705% | 4,887 |
| Core capital (leverage) ratio | 9.3921% | 4,259 |
| Tier 1 risk-based capital ratio | 11.6863% | 6,095 |
| Total risk-based capital ratio | 12.9364% | 6,070 |
| Memoranda: | ||
| Average total assets | $156,489,000 | 3,700 |
| Average earning assets | $143,635,000 | 3,701 |
| Average equity | $14,978,000 | 4,003 |
| Average total loans | $125,091,000 | 2,986 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6644% | 455 |
| Cost of funding earning assets | 0.7236% | 3,300 |
| Net interest margin | 4.9408% | 418 |
| Noninterest income to average assets | 0.8568% | 2,007 |
| Noninterest expense to average assets | 3.1862% | 2,661 |
| Loan and lease loss provision to assets | 0.3483% | 1,919 |
| Net operating income to assets | 1.1719% | 1,688 |
| Return on assets (ROA) | 1.2136% | 1,721 |
| Pretax return on assets | 1.8991% | 758 |
| Return on Equity (ROE) | 13.2482% | 1,168 |
| Retained earnings to average equity (ytd only) | 9.9717% | 601 |
| Net charge-offs to loans | 0.1408% | 4,287 |
| Credit loss provision to net charge-offs | 307.4713% | 786 |
| Earnings coverage of net charge-offs (x) | 19.2644% | 1,394 |
| Efficiency ratio | 59.3500% | 5,641 |
| Assets per employee ($millions) | 3.3985% | 5,221 |
| Cash dividends to net income (ytd only)* | 24.7318% | 3,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 4,935 |
| Loan loss allowance to noncurrent loans | 61.3994% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 1.9244% | 2,543 |
| Noncurrent loans to loans | 2.0193% | 2,675 |
| Net loans and leases to total assets | 81.3572% | 371 |
| Net loans and leases to deposits | 91.7763% | 931 |
| Net loans and leases to core deposits | 97.3164% | 1,196 |
| Total domestic deposits to total assets | 88.6473% | 1,810 |
| Equity capital to assets | 9.6768% | 4,623 |
| Core capital (leverage) ratio | 9.0945% | 4,748 |
| Tier 1 risk-based capital ratio | 11.2864% | 6,219 |
| Total risk-based capital ratio | 12.5139% | 6,205 |
| Memoranda: | ||
| Average total assets | $153,598,000 | 3,718 |
| Average earning assets | $140,261,400 | 3,723 |
| Average equity | $14,069,800 | 4,143 |
| Average total loans | $123,543,200 | 3,015 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6514% | 509 |
| Cost of funding earning assets | 0.7554% | 3,303 |
| Net interest margin | 4.8960% | 476 |
| Noninterest income to average assets | 0.8576% | 1,989 |
| Noninterest expense to average assets | 3.1788% | 2,638 |
| Loan and lease loss provision to assets | 0.3555% | 1,835 |
| Net operating income to assets | 1.1405% | 1,951 |
| Return on assets (ROA) | 1.1949% | 1,937 |
| Pretax return on assets | 1.8704% | 923 |
| Return on Equity (ROE) | 13.2298% | 1,283 |
| Retained earnings to average equity (ytd only) | 11.0888% | 667 |
| Net charge-offs to loans | 0.1063% | 4,330 |
| Credit loss provision to net charge-offs | 418.3673% | 642 |
| Earnings coverage of net charge-offs (x) | 25.1946% | 1,257 |
| Efficiency ratio | 59.7555% | 5,536 |
| Assets per employee ($millions) | 3.3751% | 5,268 |
| Cash dividends to net income (ytd only)* | 16.1831% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 5,312 |
| Loan loss allowance to noncurrent loans | 68.2454% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 1.9252% | 2,749 |
| Noncurrent loans to loans | 1.7486% | 3,156 |
| Net loans and leases to total assets | 80.6883% | 454 |
| Net loans and leases to deposits | 90.6998% | 1,075 |
| Net loans and leases to core deposits | 96.1065% | 1,406 |
| Total domestic deposits to total assets | 88.9619% | 1,452 |
| Equity capital to assets | 9.3873% | 5,354 |
| Core capital (leverage) ratio | 9.1255% | 4,872 |
| Tier 1 risk-based capital ratio | 10.9712% | 6,490 |
| Total risk-based capital ratio | 12.1476% | 6,505 |
| Memoranda: | ||
| Average total assets | $153,764,250 | 3,757 |
| Average earning assets | $140,138,750 | 3,761 |
| Average equity | $13,887,500 | 4,215 |
| Average total loans | $122,933,000 | 3,056 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5827% | 596 |
| Cost of funding earning assets | 0.8098% | 3,113 |
| Net interest margin | 4.7729% | 589 |
| Noninterest income to average assets | 0.7960% | 2,203 |
| Noninterest expense to average assets | 3.1683% | 2,699 |
| Loan and lease loss provision to assets | 0.2936% | 2,228 |
| Net operating income to assets | 1.0764% | 2,140 |
| Return on assets (ROA) | 1.1039% | 2,248 |
| Pretax return on assets | 1.7225% | 1,204 |
| Return on Equity (ROE) | 12.3877% | 1,545 |
| Retained earnings to average equity (ytd only) | 9.1224% | 1,230 |
| Net charge-offs to loans | 0.1447% | 3,761 |
| Credit loss provision to net charge-offs | 255.6818% | 1,122 |
| Earnings coverage of net charge-offs (x) | 17.1818% | 1,547 |
| Efficiency ratio | 61.6244% | 5,306 |
| Assets per employee ($millions) | 3.3898% | 5,230 |
| Cash dividends to net income (ytd only)* | 26.3593% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 5,870 |
| Loan loss allowance to noncurrent loans | 68.5100% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 1.7877% | 3,057 |
| Noncurrent loans to loans | 1.5741% | 3,548 |
| Net loans and leases to total assets | 80.4582% | 457 |
| Net loans and leases to deposits | 91.6758% | 984 |
| Net loans and leases to core deposits | 97.9060% | 1,285 |
| Total domestic deposits to total assets | 87.7639% | 2,301 |
| Equity capital to assets | 9.2055% | 5,455 |
| Core capital (leverage) ratio | 8.8379% | 5,150 |
| Tier 1 risk-based capital ratio | 10.7759% | 6,590 |
| Total risk-based capital ratio | 11.8381% | 6,650 |
| Memoranda: | ||
| Average total assets | $153,268,000 | 3,783 |
| Average earning assets | $139,537,670 | 3,793 |
| Average equity | $13,658,670 | 4,264 |
| Average total loans | $121,649,330 | 3,103 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5199% | 730 |
| Cost of funding earning assets | 0.8521% | 3,050 |
| Net interest margin | 4.6678% | 728 |
| Noninterest income to average assets | 0.8930% | 1,775 |
| Noninterest expense to average assets | 3.2363% | 2,486 |
| Loan and lease loss provision to assets | 0.2604% | 2,372 |
| Net operating income to assets | 1.0663% | 2,223 |
| Return on assets (ROA) | 1.1222% | 2,166 |
| Pretax return on assets | 1.7184% | 1,261 |
| Return on Equity (ROE) | 12.8017% | 1,459 |
| Retained earnings to average equity (ytd only) | 6.1781% | 2,851 |
| Net charge-offs to loans | 0.0166% | 4,451 |
| Credit loss provision to net charge-offs | 2,000.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 145.4000% | 251 |
| Efficiency ratio | 63.0964% | 5,085 |
| Assets per employee ($millions) | 3.4265% | 5,282 |
| Cash dividends to net income (ytd only)* | 51.7401% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0752% | 5,981 |
| Loan loss allowance to noncurrent loans | 68.4989% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 1.7290% | 3,270 |
| Noncurrent loans to loans | 1.5696% | 3,755 |
| Net loans and leases to total assets | 77.3359% | 656 |
| Net loans and leases to deposits | 89.1745% | 1,046 |
| Net loans and leases to core deposits | 95.0440% | 1,371 |
| Total domestic deposits to total assets | 86.7243% | 3,104 |
| Equity capital to assets | 8.7820% | 5,769 |
| Core capital (leverage) ratio | 8.5412% | 5,521 |
| Tier 1 risk-based capital ratio | 10.8138% | 6,616 |
| Total risk-based capital ratio | 11.8791% | 6,686 |
| Memoranda: | ||
| Average total assets | $153,632,000 | 3,811 |
| Average earning assets | $139,423,000 | 3,826 |
| Average equity | $13,467,000 | 4,308 |
| Average total loans | $120,439,500 | 3,144 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7346% | 728 |
| Cost of funding earning assets | 1.0532% | 2,997 |
| Net interest margin | 4.6814% | 781 |
| Noninterest income to average assets | 0.5700% | 3,366 |
| Noninterest expense to average assets | 3.0754% | 3,288 |
| Loan and lease loss provision to assets | 0.2007% | 4,179 |
| Net operating income to assets | 1.0072% | 2,172 |
| Return on assets (ROA) | 1.0102% | 2,306 |
| Pretax return on assets | 1.5748% | 1,265 |
| Return on Equity (ROE) | 12.1168% | 1,376 |
| Retained earnings to average equity (ytd only) | 10.6965% | 448 |
| Net charge-offs to loans | 0.2356% | 4,306 |
| Credit loss provision to net charge-offs | 107.1429% | 3,159 |
| Earnings coverage of net charge-offs (x) | 9.4536% | 1,979 |
| Efficiency ratio | 63.4594% | 5,219 |
| Assets per employee ($millions) | 3.4789% | 5,070 |
| Cash dividends to net income (ytd only)* | 11.7219% | 3,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 6,230 |
| Loan loss allowance to noncurrent loans | 136.0136% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 1.2020% | 4,232 |
| Noncurrent loans to loans | 0.7338% | 5,228 |
| Net loans and leases to total assets | 77.8302% | 727 |
| Net loans and leases to deposits | 89.7907% | 1,187 |
| Net loans and leases to core deposits | 99.5114% | 1,218 |
| Total domestic deposits to total assets | 86.6796% | 2,929 |
| Equity capital to assets | 8.7494% | 5,850 |
| Core capital (leverage) ratio | 8.4906% | 5,575 |
| Tier 1 risk-based capital ratio | 10.5243% | 6,677 |
| Total risk-based capital ratio | 11.5007% | 6,763 |
| Memoranda: | ||
| Average total assets | $149,476,400 | 3,811 |
| Average earning assets | $136,540,000 | 3,812 |
| Average equity | $12,462,000 | 4,452 |
| Average total loans | $118,843,000 | 3,200 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7569% | 764 |
| Cost of funding earning assets | 1.1039% | 2,954 |
| Net interest margin | 4.6531% | 842 |
| Noninterest income to average assets | 0.7080% | 2,556 |
| Noninterest expense to average assets | 3.1579% | 2,967 |
| Loan and lease loss provision to assets | 0.2019% | 4,001 |
| Net operating income to assets | 1.0253% | 2,232 |
| Return on assets (ROA) | 1.0293% | 2,378 |
| Pretax return on assets | 1.6063% | 1,372 |
| Return on Equity (ROE) | 12.5053% | 1,412 |
| Retained earnings to average equity (ytd only) | 10.5755% | 708 |
| Net charge-offs to loans | 0.0338% | 5,678 |
| Credit loss provision to net charge-offs | 750.0000% | 357 |
| Earnings coverage of net charge-offs (x) | 66.9318% | 490 |
| Efficiency ratio | 63.6693% | 5,128 |
| Assets per employee ($millions) | 3.4089% | 5,226 |
| Cash dividends to net income (ytd only)* | 15.4312% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 5,684 |
| Loan loss allowance to noncurrent loans | 83.0519% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 1.4648% | 3,922 |
| Noncurrent loans to loans | 1.3836% | 4,219 |
| Net loans and leases to total assets | 75.5425% | 1,052 |
| Net loans and leases to deposits | 86.6498% | 1,599 |
| Net loans and leases to core deposits | 95.1348% | 1,684 |
| Total domestic deposits to total assets | 87.1814% | 2,537 |
| Equity capital to assets | 8.2947% | 6,489 |
| Core capital (leverage) ratio | 8.0897% | 6,297 |
| Tier 1 risk-based capital ratio | 10.2753% | 6,869 |
| Total risk-based capital ratio | 11.4006% | 6,903 |
| Memoranda: | ||
| Average total assets | $148,577,250 | 3,849 |
| Average earning assets | $135,763,500 | 3,841 |
| Average equity | $12,229,250 | 4,507 |
| Average total loans | $118,469,250 | 3,237 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8218% | 691 |
| Cost of funding earning assets | 1.1427% | 2,946 |
| Net interest margin | 4.6791% | 768 |
| Noninterest income to average assets | 0.7159% | 2,457 |
| Noninterest expense to average assets | 3.2393% | 2,770 |
| Loan and lease loss provision to assets | 0.2057% | 3,863 |
| Net operating income to assets | 0.9813% | 2,305 |
| Return on assets (ROA) | 0.9874% | 2,377 |
| Pretax return on assets | 1.5429% | 1,395 |
| Return on Equity (ROE) | 12.0301% | 1,478 |
| Retained earnings to average equity (ytd only) | 9.0727% | 1,079 |
| Net charge-offs to loans | 0.1203% | 4,510 |
| Credit loss provision to net charge-offs | 211.2676% | 1,429 |
| Earnings coverage of net charge-offs (x) | 17.8592% | 1,281 |
| Efficiency ratio | 65.0689% | 5,048 |
| Assets per employee ($millions) | 3.2477% | 5,536 |
| Cash dividends to net income (ytd only)* | 24.5833% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 6,104 |
| Loan loss allowance to noncurrent loans | 164.2764% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 1.3160% | 4,276 |
| Noncurrent loans to loans | 0.6445% | 5,635 |
| Net loans and leases to total assets | 78.8109% | 669 |
| Net loans and leases to deposits | 90.6367% | 1,204 |
| Net loans and leases to core deposits | 99.9151% | 1,348 |
| Total domestic deposits to total assets | 86.9525% | 2,767 |
| Equity capital to assets | 8.3177% | 6,403 |
| Core capital (leverage) ratio | 8.3094% | 5,855 |
| Tier 1 risk-based capital ratio | 9.9742% | 6,983 |
| Total risk-based capital ratio | 11.0088% | 7,040 |
| Memoranda: | ||
| Average total assets | $145,832,670 | 3,926 |
| Average earning assets | $132,846,000 | 3,928 |
| Average equity | $11,970,000 | 4,567 |
| Average total loans | $118,013,670 | 3,268 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7209% | 846 |
| Cost of funding earning assets | 1.1757% | 2,979 |
| Net interest margin | 4.5452% | 970 |
| Noninterest income to average assets | 0.6997% | 2,578 |
| Noninterest expense to average assets | 3.3738% | 2,352 |
| Loan and lease loss provision to assets | 0.2083% | 3,556 |
| Net operating income to assets | 0.8261% | 2,900 |
| Return on assets (ROA) | 0.8386% | 2,897 |
| Pretax return on assets | 1.3023% | 2,035 |
| Return on Equity (ROE) | 10.2879% | 1,996 |
| Retained earnings to average equity (ytd only) | 4.2582% | 3,615 |
| Net charge-offs to loans | -0.0749% | 7,006 |
| Credit loss provision to net charge-offs | -340.9091% | 5,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3493% | 4,408 |
| Assets per employee ($millions) | 3.2580% | 5,582 |
| Cash dividends to net income (ytd only)* | 58.6093% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0869% | 6,093 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 1.3477% | 4,277 |
| Noncurrent loans to loans | 1.0869% | 4,881 |
| Net loans and leases to total assets | 81.1332% | 431 |
| Net loans and leases to deposits | 93.5530% | 869 |
| Net loans and leases to core deposits | 103.5949% | 1,086 |
| Total domestic deposits to total assets | 86.7243% | 3,109 |
| Equity capital to assets | 8.2978% | 6,166 |
| Core capital (leverage) ratio | 8.1280% | 6,082 |
| Tier 1 risk-based capital ratio | 9.7372% | 7,080 |
| Total risk-based capital ratio | 10.7982% | 7,139 |
| Memoranda: | ||
| Average total assets | $144,052,500 | 3,994 |
| Average earning assets | $132,007,000 | 3,977 |
| Average equity | $11,742,000 | 4,615 |
| Average total loans | $117,521,500 | 3,299 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8239% | 1,217 |
| Cost of funding earning assets | 1.5838% | 2,168 |
| Net interest margin | 4.2401% | 2,031 |
| Noninterest income to average assets | 0.8027% | 2,268 |
| Noninterest expense to average assets | 3.3024% | 2,734 |
| Loan and lease loss provision to assets | 0.0959% | 6,186 |
| Net operating income to assets | 0.8511% | 2,586 |
| Return on assets (ROA) | 0.9102% | 2,480 |
| Pretax return on assets | 1.4071% | 1,646 |
| Return on Equity (ROE) | 11.5380% | 1,436 |
| Retained earnings to average equity (ytd only) | 10.2397% | 476 |
| Net charge-offs to loans | -0.0115% | 7,323 |
| Credit loss provision to net charge-offs | -1,023.0769% | 7,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0474% | 4,173 |
| Assets per employee ($millions) | 3.2167% | 5,632 |
| Cash dividends to net income (ytd only)* | 11.2520% | 3,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 6,364 |
| Loan loss allowance to noncurrent loans | 336.4672% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.6943% | 5,617 |
| Noncurrent loans to loans | 0.2988% | 6,458 |
| Net loans and leases to total assets | 80.3286% | 625 |
| Net loans and leases to deposits | 92.3824% | 1,224 |
| Net loans and leases to core deposits | 102.0457% | 1,454 |
| Total domestic deposits to total assets | 86.9523% | 2,849 |
| Equity capital to assets | 8.0061% | 6,490 |
| Core capital (leverage) ratio | 8.1272% | 5,950 |
| Tier 1 risk-based capital ratio | 9.7844% | 7,059 |
| Total risk-based capital ratio | 10.7884% | 7,137 |
| Memoranda: | ||
| Average total assets | $138,654,800 | 4,080 |
| Average earning assets | $127,922,000 | 4,067 |
| Average equity | $10,937,800 | 4,880 |
| Average total loans | $112,736,200 | 3,476 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8059% | 1,379 |
| Cost of funding earning assets | 1.6967% | 1,893 |
| Net interest margin | 4.1092% | 2,588 |
| Noninterest income to average assets | 0.8157% | 2,151 |
| Noninterest expense to average assets | 3.2854% | 2,615 |
| Loan and lease loss provision to assets | 0.0506% | 6,575 |
| Net operating income to assets | 0.8257% | 2,890 |
| Return on assets (ROA) | 0.8964% | 2,777 |
| Pretax return on assets | 1.3729% | 1,957 |
| Return on Equity (ROE) | 11.4088% | 1,674 |
| Retained earnings to average equity (ytd only) | 9.6517% | 880 |
| Net charge-offs to loans | -0.0108% | 7,273 |
| Credit loss provision to net charge-offs | -577.7778% | 7,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4225% | 3,816 |
| Assets per employee ($millions) | 2.9414% | 6,281 |
| Cash dividends to net income (ytd only)* | 15.4014% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 6,590 |
| Loan loss allowance to noncurrent loans | 404.4280% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.6691% | 5,775 |
| Noncurrent loans to loans | 0.2339% | 6,706 |
| Net loans and leases to total assets | 83.0114% | 407 |
| Net loans and leases to deposits | 96.1091% | 968 |
| Net loans and leases to core deposits | 103.0476% | 1,562 |
| Total domestic deposits to total assets | 86.3721% | 2,874 |
| Equity capital to assets | 8.2758% | 6,534 |
| Core capital (leverage) ratio | 8.0182% | 6,327 |
| Tier 1 risk-based capital ratio | 9.7154% | 7,182 |
| Total risk-based capital ratio | 10.6704% | 7,276 |
| Memoranda: | ||
| Average total assets | $137,130,250 | 4,161 |
| Average earning assets | $126,281,250 | 4,154 |
| Average equity | $10,775,000 | 4,978 |
| Average total loans | $111,555,500 | 3,564 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7513% | 1,550 |
| Cost of funding earning assets | 1.7617% | 1,812 |
| Net interest margin | 3.9896% | 3,069 |
| Noninterest income to average assets | 0.8541% | 1,867 |
| Noninterest expense to average assets | 3.2861% | 2,603 |
| Loan and lease loss provision to assets | 0.0044% | 6,834 |
| Net operating income to assets | 0.7887% | 3,017 |
| Return on assets (ROA) | 0.8935% | 2,693 |
| Pretax return on assets | 1.3937% | 1,855 |
| Return on Equity (ROE) | 11.5796% | 1,568 |
| Retained earnings to average equity (ytd only) | 8.8885% | 1,138 |
| Net charge-offs to loans | -0.0254% | 7,323 |
| Credit loss provision to net charge-offs | -21.4286% | 6,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6949% | 3,711 |
| Assets per employee ($millions) | 2.7140% | 6,764 |
| Cash dividends to net income (ytd only)* | 23.2406% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9229% | 6,684 |
| Loan loss allowance to noncurrent loans | 142.1622% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.6423% | 5,882 |
| Noncurrent loans to loans | 0.6492% | 5,958 |
| Net loans and leases to total assets | 81.5924% | 583 |
| Net loans and leases to deposits | 94.0546% | 1,267 |
| Net loans and leases to core deposits | 101.0016% | 1,918 |
| Total domestic deposits to total assets | 86.7501% | 2,676 |
| Equity capital to assets | 7.9254% | 6,830 |
| Core capital (leverage) ratio | 7.8601% | 6,428 |
| Tier 1 risk-based capital ratio | 9.5370% | 7,244 |
| Total risk-based capital ratio | 10.4656% | 7,363 |
| Memoranda: | ||
| Average total assets | $136,758,330 | 4,199 |
| Average earning assets | $125,677,000 | 4,193 |
| Average equity | $10,553,000 | 5,047 |
| Average total loans | $110,122,000 | 3,632 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7040% | 1,761 |
| Cost of funding earning assets | 1.8050% | 1,850 |
| Net interest margin | 3.8990% | 3,329 |
| Noninterest income to average assets | 0.8092% | 1,973 |
| Noninterest expense to average assets | 3.3341% | 2,417 |
| Loan and lease loss provision to assets | 0.0059% | 6,530 |
| Net operating income to assets | 0.6934% | 3,468 |
| Return on assets (ROA) | 0.7033% | 3,540 |
| Pretax return on assets | 1.0564% | 2,886 |
| Return on Equity (ROE) | 9.2416% | 2,409 |
| Retained earnings to average equity (ytd only) | 3.7508% | 3,901 |
| Net charge-offs to loans | -0.0518% | 7,356 |
| Credit loss provision to net charge-offs | -14.2857% | 5,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0913% | 3,198 |
| Assets per employee ($millions) | 2.6588% | 6,943 |
| Cash dividends to net income (ytd only)* | 59.4142% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 6,596 |
| Loan loss allowance to noncurrent loans | 94.7701% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 1.2272% | 4,723 |
| Noncurrent loans to loans | 1.0245% | 5,284 |
| Net loans and leases to total assets | 79.0572% | 970 |
| Net loans and leases to deposits | 89.8696% | 1,922 |
| Net loans and leases to core deposits | 96.5531% | 2,515 |
| Total domestic deposits to total assets | 87.9688% | 2,080 |
| Equity capital to assets | 7.7936% | 6,852 |
| Core capital (leverage) ratio | 7.5574% | 6,786 |
| Tier 1 risk-based capital ratio | 9.3058% | 7,391 |
| Total risk-based capital ratio | 10.2525% | 7,490 |
| Memoranda: | ||
| Average total assets | $135,929,500 | 4,277 |
| Average earning assets | $124,544,000 | 4,269 |
| Average equity | $10,344,500 | 5,138 |
| Average total loans | $108,188,500 | 3,729 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8867% | 2,293 |
| Cost of funding earning assets | 2.1350% | 2,309 |
| Net interest margin | 3.7517% | 3,907 |
| Noninterest income to average assets | 0.9002% | 1,938 |
| Noninterest expense to average assets | 3.6468% | 2,039 |
| Loan and lease loss provision to assets | 0.1900% | 5,821 |
| Net operating income to assets | 0.4731% | 3,844 |
| Return on assets (ROA) | 0.4790% | 3,915 |
| Pretax return on assets | 0.5146% | 4,143 |
| Return on Equity (ROE) | 6.2646% | 3,096 |
| Retained earnings to average equity (ytd only) | 5.3948% | 1,627 |
| Net charge-offs to loans | 0.2081% | 5,329 |
| Credit loss provision to net charge-offs | 113.7441% | 4,819 |
| Earnings coverage of net charge-offs (x) | 4.1801% | 3,027 |
| Efficiency ratio | 83.9286% | 2,362 |
| Assets per employee ($millions) | 2.5234% | 7,165 |
| Cash dividends to net income (ytd only)* | 13.8843% | 3,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 6,594 |
| Loan loss allowance to noncurrent loans | 167.4757% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.8616% | 5,382 |
| Noncurrent loans to loans | 0.5716% | 6,095 |
| Net loans and leases to total assets | 78.5926% | 1,263 |
| Net loans and leases to deposits | 89.3318% | 2,331 |
| Net loans and leases to core deposits | 114.2694% | 2,476 |
| Total domestic deposits to total assets | 87.9782% | 1,981 |
| Equity capital to assets | 7.4277% | 7,099 |
| Core capital (leverage) ratio | 7.4131% | 6,873 |
| Tier 1 risk-based capital ratio | 8.9840% | 7,474 |
| Total risk-based capital ratio | 9.9214% | 7,591 |
| Memoranda: | ||
| Average total assets | $126,301,600 | 4,418 |
| Average earning assets | $115,972,600 | 4,398 |
| Average equity | $9,657,400 | 5,397 |
| Average total loans | $101,399,200 | 3,910 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9002% | 2,449 |
| Cost of funding earning assets | 2.2218% | 2,306 |
| Net interest margin | 3.6784% | 4,173 |
| Noninterest income to average assets | 0.9304% | 1,858 |
| Noninterest expense to average assets | 3.6301% | 1,961 |
| Loan and lease loss provision to assets | 0.1174% | 6,192 |
| Net operating income to assets | 0.4123% | 4,352 |
| Return on assets (ROA) | 0.4060% | 4,477 |
| Pretax return on assets | 0.5546% | 4,350 |
| Return on Equity (ROE) | 5.2680% | 3,852 |
| Retained earnings to average equity (ytd only) | 4.0943% | 2,988 |
| Net charge-offs to loans | 0.0214% | 6,599 |
| Credit loss provision to net charge-offs | 681.2500% | 551 |
| Earnings coverage of net charge-offs (x) | 39.5054% | 757 |
| Efficiency ratio | 84.2118% | 2,272 |
| Assets per employee ($millions) | 2.3756% | 7,412 |
| Cash dividends to net income (ytd only)* | 22.2819% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 6,032 |
| Loan loss allowance to noncurrent loans | 98.2127% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 1.1646% | 4,750 |
| Noncurrent loans to loans | 1.0646% | 5,187 |
| Net loans and leases to total assets | 81.0742% | 964 |
| Net loans and leases to deposits | 95.9863% | 1,582 |
| Net loans and leases to core deposits | 127.9727% | 1,581 |
| Total domestic deposits to total assets | 84.4643% | 3,493 |
| Equity capital to assets | 7.7094% | 7,140 |
| Core capital (leverage) ratio | 7.5950% | 6,867 |
| Tier 1 risk-based capital ratio | 9.0259% | 7,613 |
| Total risk-based capital ratio | 10.0494% | 7,710 |
| Memoranda: | ||
| Average total assets | $123,811,750 | 4,507 |
| Average earning assets | $113,779,500 | 4,487 |
| Average equity | $9,541,500 | 5,479 |
| Average total loans | $99,717,500 | 3,997 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8688% | 2,722 |
| Cost of funding earning assets | 2.3522% | 2,152 |
| Net interest margin | 3.5167% | 4,721 |
| Noninterest income to average assets | 0.9614% | 1,724 |
| Noninterest expense to average assets | 3.5562% | 2,172 |
| Loan and lease loss provision to assets | 0.0670% | 6,537 |
| Net operating income to assets | 0.3955% | 4,528 |
| Return on assets (ROA) | 0.3646% | 4,737 |
| Pretax return on assets | 0.5232% | 4,545 |
| Return on Equity (ROE) | 4.7319% | 4,192 |
| Retained earnings to average equity (ytd only) | 2.9495% | 3,683 |
| Net charge-offs to loans | 0.0204% | 6,226 |
| Credit loss provision to net charge-offs | 410.0000% | 1,130 |
| Earnings coverage of net charge-offs (x) | 38.8000% | 831 |
| Efficiency ratio | 84.8615% | 2,377 |
| Assets per employee ($millions) | 2.2818% | 7,579 |
| Cash dividends to net income (ytd only)* | 37.6682% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0488% | 5,919 |
| Loan loss allowance to noncurrent loans | 97.3709% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 1.2287% | 4,485 |
| Noncurrent loans to loans | 1.0771% | 5,053 |
| Net loans and leases to total assets | 79.4042% | 1,431 |
| Net loans and leases to deposits | 92.5911% | 2,348 |
| Net loans and leases to core deposits | 125.0924% | 1,942 |
| Total domestic deposits to total assets | 85.7579% | 2,902 |
| Equity capital to assets | 7.7115% | 7,061 |
| Core capital (leverage) ratio | 7.7296% | 6,705 |
| Tier 1 risk-based capital ratio | 9.3949% | 7,480 |
| Total risk-based capital ratio | 10.4164% | 7,617 |
| Memoranda: | ||
| Average total assets | $122,320,670 | 4,571 |
| Average earning assets | $112,322,000 | 4,560 |
| Average equity | $9,425,330 | 5,538 |
| Average total loans | $97,921,670 | 4,065 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8308% | 3,133 |
| Cost of funding earning assets | 2.5212% | 1,838 |
| Net interest margin | 3.3096% | 5,464 |
| Noninterest income to average assets | 0.8698% | 1,989 |
| Noninterest expense to average assets | 3.1935% | 3,011 |
| Loan and lease loss provision to assets | 0.1017% | 5,665 |
| Net operating income to assets | 0.4267% | 4,759 |
| Return on assets (ROA) | 0.4267% | 4,932 |
| Pretax return on assets | 0.6335% | 4,644 |
| Return on Equity (ROE) | 5.5396% | 4,238 |
| Retained earnings to average equity (ytd only) | 1.9602% | 4,765 |
| Net charge-offs to loans | 0.0452% | 4,847 |
| Credit loss provision to net charge-offs | 281.8182% | 1,708 |
| Earnings coverage of net charge-offs (x) | 20.3636% | 1,377 |
| Efficiency ratio | 81.2865% | 2,642 |
| Assets per employee ($millions) | 2.4645% | 7,350 |
| Cash dividends to net income (ytd only)* | 64.6154% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 5,855 |
| Loan loss allowance to noncurrent loans | 78.0822% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.2749% | 4,127 |
| Noncurrent loans to loans | 1.3352% | 4,312 |
| Net loans and leases to total assets | 79.0286% | 1,576 |
| Net loans and leases to deposits | 93.2439% | 2,396 |
| Net loans and leases to core deposits | 132.9334% | 1,477 |
| Total domestic deposits to total assets | 84.7547% | 3,323 |
| Equity capital to assets | 7.6275% | 7,242 |
| Core capital (leverage) ratio | 7.7023% | 6,883 |
| Tier 1 risk-based capital ratio | 9.2108% | 7,665 |
| Total risk-based capital ratio | 10.2090% | 7,850 |
| Memoranda: | ||
| Average total assets | $121,871,500 | 4,598 |
| Average earning assets | $112,643,000 | 4,567 |
| Average equity | $9,387,000 | 5,572 |
| Average total loans | $97,443,500 | 4,100 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2285% | 4,365 |
| Cost of funding earning assets | 2.9737% | 1,969 |
| Net interest margin | 3.2548% | 6,198 |
| Noninterest income to average assets | 0.8859% | 2,026 |
| Noninterest expense to average assets | 3.2015% | 3,329 |
| Loan and lease loss provision to assets | 0.2041% | 4,848 |
| Net operating income to assets | 0.4030% | 5,134 |
| Return on assets (ROA) | 0.1259% | 5,878 |
| Pretax return on assets | 0.1624% | 5,815 |
| Return on Equity (ROE) | 1.5362% | 5,758 |
| Retained earnings to average equity (ytd only) | -2.8817% | 6,079 |
| Net charge-offs to loans | 0.1927% | 4,262 |
| Credit loss provision to net charge-offs | 135.0575% | 3,948 |
| Earnings coverage of net charge-offs (x) | 4.7759% | 3,864 |
| Efficiency ratio | 81.6028% | 2,360 |
| Assets per employee ($millions) | 2.5108% | 7,187 |
| Cash dividends to net income (ytd only)* | 287.5862% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0427% | 5,696 |
| Loan loss allowance to noncurrent loans | 70.2024% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 1.1890% | 3,876 |
| Noncurrent loans to loans | 1.4853% | 3,578 |
| Net loans and leases to total assets | 79.2180% | 1,832 |
| Net loans and leases to deposits | 96.8364% | 2,309 |
| Net loans and leases to core deposits | 155.9873% | 668 |
| Total domestic deposits to total assets | 81.8060% | 4,274 |
| Equity capital to assets | 7.7789% | 7,121 |
| Core capital (leverage) ratio | 8.2161% | 6,135 |
| Tier 1 risk-based capital ratio | 9.4253% | 7,387 |
| Total risk-based capital ratio | 10.4340% | 7,592 |
| Memoranda: | ||
| Average total assets | $115,133,400 | 4,636 |
| Average earning assets | $107,440,800 | 4,581 |
| Average equity | $9,439,000 | 5,589 |
| Average total loans | $90,311,400 | 4,217 |