Home > First State Bank of Colorado > Performance and Condition Ratios
First State Bank of Colorado, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8064% | 2,096 |
| Cost of funding earning assets | 0.3279% | 4,725 |
| Net interest margin | 4.4786% | 805 |
| Noninterest income to average assets | 0.4095% | 3,260 |
| Noninterest expense to average assets | 3.0337% | 1,875 |
| Loan and lease loss provision to assets | 0.1394% | 1,387 |
| Net operating income to assets | 1.0554% | 2,762 |
| Return on assets (ROA) | 1.0554% | 2,845 |
| Pretax return on assets | 1.3946% | 2,329 |
| Return on Equity (ROE) | 8.2557% | 3,213 |
| Retained earnings to average equity (ytd only) | 8.2557% | 1,296 |
| Net charge-offs to loans | -0.0347% | 4,741 |
| Credit loss provision to net charge-offs | -642.1053% | 4,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4166% | 2,674 |
| Assets per employee ($millions) | 4.2395% | 3,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9123% | 3,994 |
| Loan loss allowance to noncurrent loans | 87.1321% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.6407% | 2,085 |
| Noncurrent loans to loans | 1.0471% | 1,529 |
| Net loans and leases to total assets | 58.2362% | 3,857 |
| Net loans and leases to deposits | 67.3826% | 3,964 |
| Net loans and leases to core deposits | 68.4962% | 4,137 |
| Total domestic deposits to total assets | 86.4262% | 1,808 |
| Equity capital to assets | 13.0321% | 1,603 |
| Core capital (leverage) ratio | 11.8960% | 1,921 |
| Tier 1 risk-based capital ratio | 19.9316% | 1,370 |
| Total risk-based capital ratio | 20.8637% | 1,404 |
| Memoranda: | ||
| Average total assets | $233,458,500 | 2,580 |
| Average earning assets | $216,759,500 | 2,577 |
| Average equity | $29,845,250 | 2,419 |
| Average total loans | $145,865,500 | 2,685 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8808% | 1,813 |
| Cost of funding earning assets | 0.3253% | 4,750 |
| Net interest margin | 4.5555% | 675 |
| Noninterest income to average assets | 0.4084% | 3,225 |
| Noninterest expense to average assets | 3.0818% | 1,784 |
| Loan and lease loss provision to assets | 0.1180% | 1,587 |
| Net operating income to assets | 1.1011% | 2,518 |
| Return on assets (ROA) | 1.1011% | 2,587 |
| Pretax return on assets | 1.4560% | 2,012 |
| Return on Equity (ROE) | 8.6702% | 2,990 |
| Retained earnings to average equity (ytd only) | 8.6702% | 1,135 |
| Net charge-offs to loans | -0.0460% | 4,808 |
| Credit loss provision to net charge-offs | -402.9412% | 4,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1917% | 2,787 |
| Assets per employee ($millions) | 3.7064% | 4,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7974% | 4,451 |
| Loan loss allowance to noncurrent loans | 106.8997% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.5326% | 2,428 |
| Noncurrent loans to loans | 0.7459% | 2,123 |
| Net loans and leases to total assets | 62.9115% | 3,461 |
| Net loans and leases to deposits | 72.8820% | 3,610 |
| Net loans and leases to core deposits | 74.0395% | 3,890 |
| Total domestic deposits to total assets | 86.3196% | 1,885 |
| Equity capital to assets | 13.1821% | 1,500 |
| Core capital (leverage) ratio | 11.7823% | 1,960 |
| Tier 1 risk-based capital ratio | 18.7163% | 1,620 |
| Total risk-based capital ratio | 19.5345% | 1,691 |
| Memoranda: | ||
| Average total assets | $232,140,000 | 2,600 |
| Average earning assets | $216,441,670 | 2,590 |
| Average equity | $29,480,330 | 2,431 |
| Average total loans | $147,976,000 | 2,680 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9016% | 1,585 |
| Cost of funding earning assets | 0.3150% | 4,797 |
| Net interest margin | 4.5866% | 624 |
| Noninterest income to average assets | 0.4098% | 3,117 |
| Noninterest expense to average assets | 3.1374% | 1,637 |
| Loan and lease loss provision to assets | 0.0720% | 2,229 |
| Net operating income to assets | 1.1332% | 2,337 |
| Return on assets (ROA) | 1.1332% | 2,387 |
| Pretax return on assets | 1.4693% | 1,869 |
| Return on Equity (ROE) | 9.0939% | 2,771 |
| Retained earnings to average equity (ytd only) | 9.0939% | 1,291 |
| Net charge-offs to loans | -0.0537% | 4,857 |
| Credit loss provision to net charge-offs | -210.0000% | 3,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0575% | 2,791 |
| Assets per employee ($millions) | 3.6327% | 4,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7197% | 4,736 |
| Loan loss allowance to noncurrent loans | 101.8393% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.5702% | 2,359 |
| Noncurrent loans to loans | 0.7067% | 2,259 |
| Net loans and leases to total assets | 63.4144% | 3,357 |
| Net loans and leases to deposits | 73.1504% | 3,518 |
| Net loans and leases to core deposits | 74.1752% | 3,789 |
| Total domestic deposits to total assets | 86.6904% | 1,964 |
| Equity capital to assets | 12.8691% | 1,531 |
| Core capital (leverage) ratio | 11.3285% | 2,267 |
| Tier 1 risk-based capital ratio | 17.9795% | 1,795 |
| Total risk-based capital ratio | 18.7100% | 1,896 |
| Memoranda: | ||
| Average total assets | $233,312,000 | 2,613 |
| Average earning assets | $217,152,500 | 2,607 |
| Average equity | $29,074,500 | 2,461 |
| Average total loans | $149,099,000 | 2,698 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9791% | 1,100 |
| Cost of funding earning assets | 0.3102% | 4,521 |
| Net interest margin | 4.6689% | 520 |
| Noninterest income to average assets | 0.5796% | 2,401 |
| Noninterest expense to average assets | 3.1162% | 1,754 |
| Loan and lease loss provision to assets | 0.4187% | 313 |
| Net operating income to assets | 1.0450% | 2,825 |
| Return on assets (ROA) | 1.0450% | 2,812 |
| Pretax return on assets | 1.3834% | 2,196 |
| Return on Equity (ROE) | 8.7350% | 3,126 |
| Retained earnings to average equity (ytd only) | 8.7350% | 960 |
| Net charge-offs to loans | 0.0652% | 2,189 |
| Credit loss provision to net charge-offs | 969.6970% | 380 |
| Earnings coverage of net charge-offs (x) | 41.7374% | 1,272 |
| Efficiency ratio | 63.3590% | 3,279 |
| Assets per employee ($millions) | 3.6603% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6512% | 4,895 |
| Loan loss allowance to noncurrent loans | 104.2105% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 2,489 |
| Noncurrent loans to loans | 0.6249% | 2,420 |
| Net loans and leases to total assets | 63.4789% | 3,409 |
| Net loans and leases to deposits | 72.5467% | 3,622 |
| Net loans and leases to core deposits | 74.1845% | 3,838 |
| Total domestic deposits to total assets | 87.5007% | 1,534 |
| Equity capital to assets | 12.0618% | 1,852 |
| Core capital (leverage) ratio | 10.7719% | 2,763 |
| Tier 1 risk-based capital ratio | 16.8339% | 2,122 |
| Total risk-based capital ratio | 17.4963% | 2,269 |
| Memoranda: | ||
| Average total assets | $229,282,000 | 2,616 |
| Average earning assets | $213,069,800 | 2,619 |
| Average equity | $27,429,800 | 2,489 |
| Average total loans | $151,830,200 | 2,621 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9440% | 1,059 |
| Cost of funding earning assets | 0.3085% | 4,463 |
| Net interest margin | 4.6355% | 547 |
| Noninterest income to average assets | 0.6011% | 2,301 |
| Noninterest expense to average assets | 3.0849% | 1,800 |
| Loan and lease loss provision to assets | 0.4925% | 231 |
| Net operating income to assets | 1.0027% | 3,068 |
| Return on assets (ROA) | 1.0027% | 3,084 |
| Pretax return on assets | 1.3285% | 2,513 |
| Return on Equity (ROE) | 8.3992% | 3,380 |
| Retained earnings to average equity (ytd only) | 8.3992% | 1,470 |
| Net charge-offs to loans | 0.0685% | 1,855 |
| Credit loss provision to net charge-offs | 1,075.6410% | 391 |
| Earnings coverage of net charge-offs (x) | 39.7683% | 1,365 |
| Efficiency ratio | 62.8814% | 3,360 |
| Assets per employee ($millions) | 3.7049% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5703% | 5,092 |
| Loan loss allowance to noncurrent loans | 65.7312% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 0.7579% | 1,955 |
| Noncurrent loans to loans | 0.8677% | 1,967 |
| Net loans and leases to total assets | 65.4355% | 3,253 |
| Net loans and leases to deposits | 74.3988% | 3,557 |
| Net loans and leases to core deposits | 75.9941% | 3,806 |
| Total domestic deposits to total assets | 87.9523% | 1,255 |
| Equity capital to assets | 11.7402% | 2,075 |
| Core capital (leverage) ratio | 10.4223% | 3,163 |
| Tier 1 risk-based capital ratio | 15.8220% | 2,518 |
| Total risk-based capital ratio | 16.3993% | 2,735 |
| Memoranda: | ||
| Average total assets | $227,123,000 | 2,648 |
| Average earning assets | $210,917,250 | 2,643 |
| Average equity | $27,113,000 | 2,516 |
| Average total loans | $151,783,500 | 2,639 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7563% | 1,364 |
| Cost of funding earning assets | 0.3101% | 4,351 |
| Net interest margin | 4.4462% | 773 |
| Noninterest income to average assets | 0.6426% | 2,129 |
| Noninterest expense to average assets | 3.1038% | 1,775 |
| Loan and lease loss provision to assets | 0.4227% | 281 |
| Net operating income to assets | 0.9375% | 3,292 |
| Return on assets (ROA) | 0.9375% | 3,297 |
| Pretax return on assets | 1.2422% | 2,756 |
| Return on Equity (ROE) | 7.8076% | 3,592 |
| Retained earnings to average equity (ytd only) | 7.8076% | 1,704 |
| Net charge-offs to loans | 0.0665% | 1,673 |
| Credit loss provision to net charge-offs | 946.0000% | 427 |
| Earnings coverage of net charge-offs (x) | 37.2600% | 1,344 |
| Efficiency ratio | 65.0862% | 3,143 |
| Assets per employee ($millions) | 3.5701% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3502% | 5,394 |
| Loan loss allowance to noncurrent loans | 48.1643% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 0.7020% | 2,127 |
| Noncurrent loans to loans | 0.7271% | 2,294 |
| Net loans and leases to total assets | 68.6176% | 2,771 |
| Net loans and leases to deposits | 78.1761% | 3,140 |
| Net loans and leases to core deposits | 80.0219% | 3,421 |
| Total domestic deposits to total assets | 87.7731% | 1,487 |
| Equity capital to assets | 11.9350% | 1,897 |
| Core capital (leverage) ratio | 10.7978% | 2,706 |
| Tier 1 risk-based capital ratio | 14.8981% | 2,923 |
| Total risk-based capital ratio | 15.2452% | 3,285 |
| Memoranda: | ||
| Average total assets | $223,792,000 | 2,691 |
| Average earning assets | $207,682,330 | 2,686 |
| Average equity | $26,871,330 | 2,540 |
| Average total loans | $150,362,000 | 2,659 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6104% | 1,537 |
| Cost of funding earning assets | 0.3158% | 4,229 |
| Net interest margin | 4.2946% | 957 |
| Noninterest income to average assets | 0.4967% | 2,821 |
| Noninterest expense to average assets | 3.0816% | 1,875 |
| Loan and lease loss provision to assets | 0.3884% | 294 |
| Net operating income to assets | 0.7605% | 3,874 |
| Return on assets (ROA) | 0.7605% | 3,870 |
| Pretax return on assets | 1.0061% | 3,512 |
| Return on Equity (ROE) | 6.3137% | 4,051 |
| Retained earnings to average equity (ytd only) | 6.3137% | 2,577 |
| Net charge-offs to loans | 0.1226% | 1,053 |
| Credit loss provision to net charge-offs | 477.7778% | 622 |
| Earnings coverage of net charge-offs (x) | 17.1556% | 1,595 |
| Efficiency ratio | 68.8458% | 2,692 |
| Assets per employee ($millions) | 3.6377% | 4,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2006% | 5,519 |
| Loan loss allowance to noncurrent loans | 19.8935% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 0.9803% | 1,601 |
| Noncurrent loans to loans | 1.0086% | 1,809 |
| Net loans and leases to total assets | 65.9414% | 3,040 |
| Net loans and leases to deposits | 75.0460% | 3,313 |
| Net loans and leases to core deposits | 76.8362% | 3,593 |
| Total domestic deposits to total assets | 87.8680% | 1,693 |
| Equity capital to assets | 11.8483% | 1,882 |
| Core capital (leverage) ratio | 10.5529% | 2,892 |
| Tier 1 risk-based capital ratio | 15.3769% | 2,706 |
| Total risk-based capital ratio | 15.5774% | 3,129 |
| Memoranda: | ||
| Average total assets | $221,444,000 | 2,744 |
| Average earning assets | $205,187,500 | 2,738 |
| Average equity | $26,672,000 | 2,576 |
| Average total loans | $146,876,000 | 2,725 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7999% | 5,659 |
| Cost of funding earning assets | 0.0538% | 5,609 |
| Net interest margin | 0.7461% | 5,657 |
| Noninterest income to average assets | 0.0716% | 5,482 |
| Noninterest expense to average assets | 0.5189% | 5,650 |
| Loan and lease loss provision to assets | 0.0568% | 3,092 |
| Net operating income to assets | 0.1465% | 5,202 |
| Return on assets (ROA) | 0.1465% | 5,206 |
| Pretax return on assets | 0.1876% | 5,321 |
| Return on Equity (ROE) | 1.1821% | 5,210 |
| Retained earnings to average equity (ytd only) | 1.1821% | 4,558 |
| Net charge-offs to loans | -0.0043% | 4,614 |
| Credit loss provision to net charge-offs | -2,050.0000% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9782% | 2,899 |
| Assets per employee ($millions) | 3.6839% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0891% | 5,604 |
| Loan loss allowance to noncurrent loans | 9.5697% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 0.9459% | 1,641 |
| Noncurrent loans to loans | 0.9314% | 1,914 |
| Net loans and leases to total assets | 66.5291% | 3,030 |
| Net loans and leases to deposits | 76.0564% | 3,322 |
| Net loans and leases to core deposits | 78.4245% | 3,554 |
| Total domestic deposits to total assets | 87.4734% | 1,778 |
| Equity capital to assets | 12.2483% | 1,673 |
| Core capital (leverage) ratio | 10.4966% | 2,843 |
| Tier 1 risk-based capital ratio | 15.8669% | 2,485 |
| Total risk-based capital ratio | 15.9571% | 2,918 |
| Memoranda: | ||
| Average total assets | $216,440,200 | 2,756 |
| Average earning assets | $200,638,600 | 2,764 |
| Average equity | $26,817,000 | 2,555 |
| Average total loans | $139,109,400 | 2,798 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2421% | 2,466 |
| Cost of funding earning assets | 0.1836% | 5,110 |
| Net interest margin | 4.0585% | 1,514 |
| Noninterest income to average assets | 0.4471% | 3,350 |
| Noninterest expense to average assets | 2.7010% | 3,060 |
| Loan and lease loss provision to assets | 0.1696% | 1,191 |
| Net operating income to assets | 0.8331% | 3,373 |
| Return on assets (ROA) | 0.8331% | 3,407 |
| Pretax return on assets | 1.3394% | 2,328 |
| Return on Equity (ROE) | 6.7048% | 3,808 |
| Retained earnings to average equity (ytd only) | 4.5608% | 3,177 |
| Net charge-offs to loans | 0.0077% | 3,452 |
| Credit loss provision to net charge-offs | 3,437.5000% | 131 |
| Earnings coverage of net charge-offs (x) | 305.7723% | 301 |
| Efficiency ratio | 64.0252% | 3,538 |
| Assets per employee ($millions) | 3.9609% | 4,055 |
| Cash dividends to net income (ytd only)* | 31.9765% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 3,516 |
| Loan loss allowance to noncurrent loans | 123.4461% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.9071% | 1,880 |
| Noncurrent loans to loans | 0.8863% | 2,160 |
| Net loans and leases to total assets | 63.9431% | 3,406 |
| Net loans and leases to deposits | 73.1710% | 3,650 |
| Net loans and leases to core deposits | 76.2938% | 3,784 |
| Total domestic deposits to total assets | 87.3885% | 1,677 |
| Equity capital to assets | 12.3703% | 1,735 |
| Core capital (leverage) ratio | 11.5443% | 1,986 |
| Tier 1 risk-based capital ratio | 17.7657% | 1,924 |
| Total risk-based capital ratio | 18.8756% | 1,908 |
| Memoranda: | ||
| Average total assets | $216,212,000 | 2,783 |
| Average earning assets | $200,463,500 | 2,793 |
| Average equity | $26,865,750 | 2,573 |
| Average total loans | $137,703,750 | 2,830 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1805% | 2,544 |
| Cost of funding earning assets | 0.1824% | 5,119 |
| Net interest margin | 3.9981% | 1,611 |
| Noninterest income to average assets | 0.4348% | 3,456 |
| Noninterest expense to average assets | 2.7302% | 2,980 |
| Loan and lease loss provision to assets | 0.1586% | 1,257 |
| Net operating income to assets | 0.7679% | 3,554 |
| Return on assets (ROA) | 0.7679% | 3,603 |
| Pretax return on assets | 1.2485% | 2,588 |
| Return on Equity (ROE) | 6.1706% | 3,970 |
| Retained earnings to average equity (ytd only) | 4.1463% | 3,238 |
| Net charge-offs to loans | 0.0236% | 2,752 |
| Credit loss provision to net charge-offs | 1,062.5000% | 373 |
| Earnings coverage of net charge-offs (x) | 94.2500% | 682 |
| Efficiency ratio | 65.7871% | 3,386 |
| Assets per employee ($millions) | 3.7844% | 4,303 |
| Cash dividends to net income (ytd only)* | 32.8068% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 3,915 |
| Loan loss allowance to noncurrent loans | 106.0408% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 1.1012% | 1,583 |
| Noncurrent loans to loans | 0.9786% | 2,007 |
| Net loans and leases to total assets | 63.3056% | 3,480 |
| Net loans and leases to deposits | 72.4900% | 3,688 |
| Net loans and leases to core deposits | 75.4820% | 3,818 |
| Total domestic deposits to total assets | 87.3301% | 1,790 |
| Equity capital to assets | 12.3396% | 1,704 |
| Core capital (leverage) ratio | 11.6272% | 1,881 |
| Tier 1 risk-based capital ratio | 17.7916% | 1,928 |
| Total risk-based capital ratio | 18.8390% | 1,933 |
| Memoranda: | ||
| Average total assets | $214,345,000 | 2,813 |
| Average earning assets | $198,494,000 | 2,819 |
| Average equity | $26,674,670 | 2,582 |
| Average total loans | $135,804,000 | 2,858 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1536% | 2,460 |
| Cost of funding earning assets | 0.1819% | 5,140 |
| Net interest margin | 3.9716% | 1,547 |
| Noninterest income to average assets | 0.4004% | 3,660 |
| Noninterest expense to average assets | 2.8276% | 2,696 |
| Loan and lease loss provision to assets | 0.1417% | 1,329 |
| Net operating income to assets | 0.6951% | 3,730 |
| Return on assets (ROA) | 0.6951% | 3,767 |
| Pretax return on assets | 1.1012% | 2,976 |
| Return on Equity (ROE) | 5.5611% | 4,112 |
| Retained earnings to average equity (ytd only) | 3.7477% | 3,575 |
| Net charge-offs to loans | 0.1498% | 1,063 |
| Credit loss provision to net charge-offs | 150.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 13.1600% | 1,802 |
| Efficiency ratio | 69.0487% | 3,036 |
| Assets per employee ($millions) | 3.6706% | 4,555 |
| Cash dividends to net income (ytd only)* | 32.6087% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 4,364 |
| Loan loss allowance to noncurrent loans | 91.7647% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.2053% | 1,460 |
| Noncurrent loans to loans | 1.0736% | 1,907 |
| Net loans and leases to total assets | 62.5968% | 3,451 |
| Net loans and leases to deposits | 71.8403% | 3,621 |
| Net loans and leases to core deposits | 75.1150% | 3,730 |
| Total domestic deposits to total assets | 87.1332% | 2,144 |
| Equity capital to assets | 12.5066% | 1,527 |
| Core capital (leverage) ratio | 11.8150% | 1,742 |
| Tier 1 risk-based capital ratio | 18.0444% | 1,861 |
| Total risk-based capital ratio | 19.0233% | 1,900 |
| Memoranda: | ||
| Average total assets | $211,769,000 | 2,872 |
| Average earning assets | $195,688,000 | 2,871 |
| Average equity | $26,469,500 | 2,606 |
| Average total loans | $133,500,500 | 2,909 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0397% | 3,065 |
| Cost of funding earning assets | 0.1982% | 5,027 |
| Net interest margin | 3.8415% | 2,167 |
| Noninterest income to average assets | 0.4315% | 3,670 |
| Noninterest expense to average assets | 3.0454% | 2,203 |
| Loan and lease loss provision to assets | 0.1631% | 1,514 |
| Net operating income to assets | 0.4829% | 4,698 |
| Return on assets (ROA) | 0.4832% | 4,771 |
| Pretax return on assets | 0.7554% | 4,316 |
| Return on Equity (ROE) | 3.8628% | 4,882 |
| Retained earnings to average equity (ytd only) | 2.3330% | 4,198 |
| Net charge-offs to loans | 0.1347% | 1,897 |
| Credit loss provision to net charge-offs | 202.9762% | 1,397 |
| Earnings coverage of net charge-offs (x) | 11.4226% | 2,540 |
| Efficiency ratio | 74.3030% | 2,252 |
| Assets per employee ($millions) | 3.6955% | 4,483 |
| Cash dividends to net income (ytd only)* | 39.6040% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9841% | 4,419 |
| Loan loss allowance to noncurrent loans | 79.2097% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.4242% | 1,194 |
| Noncurrent loans to loans | 1.2424% | 1,653 |
| Net loans and leases to total assets | 62.2411% | 3,580 |
| Net loans and leases to deposits | 71.3219% | 3,777 |
| Net loans and leases to core deposits | 74.7119% | 3,862 |
| Total domestic deposits to total assets | 87.2680% | 1,994 |
| Equity capital to assets | 12.4918% | 1,532 |
| Core capital (leverage) ratio | 11.6646% | 1,818 |
| Tier 1 risk-based capital ratio | 17.8559% | 1,890 |
| Total risk-based capital ratio | 18.8177% | 1,944 |
| Memoranda: | ||
| Average total assets | $209,034,000 | 2,860 |
| Average earning assets | $192,192,200 | 2,873 |
| Average equity | $26,146,800 | 2,624 |
| Average total loans | $124,761,800 | 2,997 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0064% | 3,213 |
| Cost of funding earning assets | 0.1996% | 5,075 |
| Net interest margin | 3.8068% | 2,308 |
| Noninterest income to average assets | 0.4563% | 3,513 |
| Noninterest expense to average assets | 3.1659% | 1,863 |
| Loan and lease loss provision to assets | 0.1444% | 1,622 |
| Net operating income to assets | 0.4124% | 4,978 |
| Return on assets (ROA) | 0.4128% | 5,070 |
| Pretax return on assets | 0.6448% | 4,754 |
| Return on Equity (ROE) | 3.2994% | 5,143 |
| Retained earnings to average equity (ytd only) | 1.6905% | 4,832 |
| Net charge-offs to loans | 0.1552% | 1,448 |
| Credit loss provision to net charge-offs | 158.0420% | 1,714 |
| Earnings coverage of net charge-offs (x) | 8.6294% | 2,746 |
| Efficiency ratio | 77.5210% | 1,763 |
| Assets per employee ($millions) | 3.6769% | 4,520 |
| Cash dividends to net income (ytd only)* | 48.7618% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9654% | 4,591 |
| Loan loss allowance to noncurrent loans | 69.0992% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 1.6168% | 1,075 |
| Noncurrent loans to loans | 1.3971% | 1,576 |
| Net loans and leases to total assets | 58.3014% | 4,069 |
| Net loans and leases to deposits | 66.6769% | 4,281 |
| Net loans and leases to core deposits | 71.0324% | 4,246 |
| Total domestic deposits to total assets | 87.4387% | 1,699 |
| Equity capital to assets | 12.3699% | 1,859 |
| Core capital (leverage) ratio | 11.6230% | 1,939 |
| Tier 1 risk-based capital ratio | 19.0768% | 1,659 |
| Total risk-based capital ratio | 20.0451% | 1,679 |
| Memoranda: | ||
| Average total assets | $208,632,000 | 2,883 |
| Average earning assets | $191,720,750 | 2,892 |
| Average equity | $26,105,250 | 2,651 |
| Average total loans | $122,850,000 | 3,026 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0513% | 3,058 |
| Cost of funding earning assets | 0.2012% | 5,124 |
| Net interest margin | 3.8501% | 2,138 |
| Noninterest income to average assets | 0.4916% | 3,254 |
| Noninterest expense to average assets | 3.2884% | 1,613 |
| Loan and lease loss provision to assets | 0.1458% | 1,572 |
| Net operating income to assets | 0.3731% | 5,114 |
| Return on assets (ROA) | 0.3738% | 5,197 |
| Pretax return on assets | 0.5872% | 4,918 |
| Return on Equity (ROE) | 2.9754% | 5,252 |
| Retained earnings to average equity (ytd only) | 1.2455% | 4,883 |
| Net charge-offs to loans | 0.1033% | 1,797 |
| Credit loss provision to net charge-offs | 239.6825% | 1,141 |
| Earnings coverage of net charge-offs (x) | 12.0317% | 2,212 |
| Efficiency ratio | 79.2698% | 1,598 |
| Assets per employee ($millions) | 3.4030% | 4,921 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9648% | 4,698 |
| Loan loss allowance to noncurrent loans | 62.9591% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 2.0223% | 812 |
| Noncurrent loans to loans | 1.5325% | 1,416 |
| Net loans and leases to total assets | 60.1775% | 3,862 |
| Net loans and leases to deposits | 69.0616% | 4,076 |
| Net loans and leases to core deposits | 73.5923% | 4,021 |
| Total domestic deposits to total assets | 87.1359% | 1,845 |
| Equity capital to assets | 12.6425% | 1,691 |
| Core capital (leverage) ratio | 11.6283% | 1,888 |
| Tier 1 risk-based capital ratio | 17.7340% | 2,003 |
| Total risk-based capital ratio | 18.6454% | 2,065 |
| Memoranda: | ||
| Average total assets | $207,089,670 | 2,911 |
| Average earning assets | $189,814,670 | 2,929 |
| Average equity | $26,013,670 | 2,663 |
| Average total loans | $121,951,670 | 3,047 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0028% | 3,213 |
| Cost of funding earning assets | 0.2012% | 5,194 |
| Net interest margin | 3.8016% | 2,278 |
| Noninterest income to average assets | 0.4777% | 3,286 |
| Noninterest expense to average assets | 3.1967% | 1,843 |
| Loan and lease loss provision to assets | 0.1450% | 1,455 |
| Net operating income to assets | 0.3887% | 5,029 |
| Return on assets (ROA) | 0.3887% | 5,106 |
| Pretax return on assets | 0.6072% | 4,801 |
| Return on Equity (ROE) | 3.1044% | 5,198 |
| Retained earnings to average equity (ytd only) | 1.2510% | 4,753 |
| Net charge-offs to loans | -0.0234% | 4,943 |
| Credit loss provision to net charge-offs | -1,071.4286% | 4,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4035% | 1,839 |
| Assets per employee ($millions) | 3.5185% | 4,783 |
| Cash dividends to net income (ytd only)* | 59.7015% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9854% | 4,691 |
| Loan loss allowance to noncurrent loans | 58.3896% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 2.2530% | 717 |
| Noncurrent loans to loans | 1.6877% | 1,338 |
| Net loans and leases to total assets | 58.6155% | 3,974 |
| Net loans and leases to deposits | 67.1397% | 4,145 |
| Net loans and leases to core deposits | 72.5767% | 4,024 |
| Total domestic deposits to total assets | 87.3038% | 2,050 |
| Equity capital to assets | 12.5440% | 1,655 |
| Core capital (leverage) ratio | 11.5790% | 1,920 |
| Tier 1 risk-based capital ratio | 18.0609% | 1,965 |
| Total risk-based capital ratio | 18.9890% | 2,022 |
| Memoranda: | ||
| Average total assets | $206,841,500 | 2,923 |
| Average earning assets | $188,865,500 | 2,947 |
| Average equity | $25,898,500 | 2,672 |
| Average total loans | $119,859,000 | 3,091 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1319% | 2,801 |
| Cost of funding earning assets | 0.2135% | 5,156 |
| Net interest margin | 3.9184% | 1,970 |
| Noninterest income to average assets | 0.5350% | 3,109 |
| Noninterest expense to average assets | 3.0969% | 2,248 |
| Loan and lease loss provision to assets | 0.1850% | 1,212 |
| Net operating income to assets | 0.5160% | 4,635 |
| Return on assets (ROA) | 0.5160% | 4,720 |
| Pretax return on assets | 0.8130% | 4,150 |
| Return on Equity (ROE) | 4.0327% | 4,933 |
| Retained earnings to average equity (ytd only) | 2.4697% | 4,312 |
| Net charge-offs to loans | 0.4313% | 646 |
| Credit loss provision to net charge-offs | 70.8812% | 3,112 |
| Earnings coverage of net charge-offs (x) | 3.8238% | 3,655 |
| Efficiency ratio | 73.0647% | 2,732 |
| Assets per employee ($millions) | 3.3786% | 5,023 |
| Cash dividends to net income (ytd only)* | 38.7597% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 4,790 |
| Loan loss allowance to noncurrent loans | 51.1554% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 2.4450% | 638 |
| Noncurrent loans to loans | 1.8891% | 1,134 |
| Net loans and leases to total assets | 56.1387% | 4,288 |
| Net loans and leases to deposits | 64.2178% | 4,457 |
| Net loans and leases to core deposits | 69.5873% | 4,329 |
| Total domestic deposits to total assets | 87.4193% | 1,917 |
| Equity capital to assets | 12.4978% | 1,627 |
| Core capital (leverage) ratio | 11.7195% | 1,806 |
| Tier 1 risk-based capital ratio | 18.7417% | 1,763 |
| Total risk-based capital ratio | 19.6422% | 1,807 |
| Memoranda: | ||
| Average total assets | $200,005,600 | 2,955 |
| Average earning assets | $181,706,000 | 2,983 |
| Average equity | $25,590,600 | 2,645 |
| Average total loans | $121,038,600 | 3,036 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1841% | 2,630 |
| Cost of funding earning assets | 0.2146% | 5,238 |
| Net interest margin | 3.9695% | 1,807 |
| Noninterest income to average assets | 0.5502% | 3,054 |
| Noninterest expense to average assets | 3.1263% | 2,150 |
| Loan and lease loss provision to assets | 0.2015% | 996 |
| Net operating income to assets | 0.5219% | 4,716 |
| Return on assets (ROA) | 0.5219% | 4,801 |
| Pretax return on assets | 0.8262% | 4,256 |
| Return on Equity (ROE) | 4.0548% | 5,010 |
| Retained earnings to average equity (ytd only) | 2.4893% | 4,630 |
| Net charge-offs to loans | 0.5373% | 431 |
| Credit loss provision to net charge-offs | 60.9756% | 2,899 |
| Earnings coverage of net charge-offs (x) | 3.1098% | 3,554 |
| Efficiency ratio | 72.7199% | 2,762 |
| Assets per employee ($millions) | 3.4025% | 4,976 |
| Cash dividends to net income (ytd only)* | 38.6102% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9142% | 5,148 |
| Loan loss allowance to noncurrent loans | 49.6128% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 2.4413% | 722 |
| Noncurrent loans to loans | 1.8427% | 1,272 |
| Net loans and leases to total assets | 58.7930% | 4,042 |
| Net loans and leases to deposits | 67.4613% | 4,242 |
| Net loans and leases to core deposits | 72.6942% | 4,126 |
| Total domestic deposits to total assets | 87.1507% | 1,958 |
| Equity capital to assets | 12.8279% | 1,545 |
| Core capital (leverage) ratio | 11.8434% | 1,785 |
| Tier 1 risk-based capital ratio | 18.4337% | 1,922 |
| Total risk-based capital ratio | 19.2944% | 1,983 |
| Memoranda: | ||
| Average total assets | $198,483,750 | 2,987 |
| Average earning assets | $180,201,500 | 3,020 |
| Average equity | $25,549,000 | 2,669 |
| Average total loans | $122,091,500 | 3,045 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2453% | 2,369 |
| Cost of funding earning assets | 0.2150% | 5,304 |
| Net interest margin | 4.0303% | 1,555 |
| Noninterest income to average assets | 0.5148% | 3,268 |
| Noninterest expense to average assets | 3.0415% | 2,421 |
| Loan and lease loss provision to assets | 0.1467% | 1,465 |
| Net operating income to assets | 0.6221% | 4,254 |
| Return on assets (ROA) | 0.6221% | 4,365 |
| Pretax return on assets | 0.9862% | 3,642 |
| Return on Equity (ROE) | 4.8271% | 4,691 |
| Retained earnings to average equity (ytd only) | 3.2573% | 3,974 |
| Net charge-offs to loans | 0.0455% | 2,785 |
| Credit loss provision to net charge-offs | 517.8571% | 612 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,131 |
| Efficiency ratio | 70.3174% | 3,281 |
| Assets per employee ($millions) | 3.2196% | 5,311 |
| Cash dividends to net income (ytd only)* | 32.5203% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 4,080 |
| Loan loss allowance to noncurrent loans | 22.5411% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 4.4651% | 266 |
| Noncurrent loans to loans | 5.1027% | 217 |
| Net loans and leases to total assets | 60.1887% | 3,805 |
| Net loans and leases to deposits | 69.1215% | 4,026 |
| Net loans and leases to core deposits | 74.3987% | 3,918 |
| Total domestic deposits to total assets | 87.0766% | 2,124 |
| Equity capital to assets | 12.8197% | 1,481 |
| Core capital (leverage) ratio | 11.9211% | 1,706 |
| Tier 1 risk-based capital ratio | 19.0144% | 1,789 |
| Total risk-based capital ratio | 20.1582% | 1,777 |
| Memoranda: | ||
| Average total assets | $197,728,330 | 3,014 |
| Average earning assets | $179,538,330 | 3,044 |
| Average equity | $25,481,330 | 2,685 |
| Average total loans | $123,083,330 | 3,035 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2092% | 2,416 |
| Cost of funding earning assets | 0.2129% | 5,389 |
| Net interest margin | 3.9962% | 1,570 |
| Noninterest income to average assets | 0.5041% | 3,257 |
| Noninterest expense to average assets | 3.0226% | 2,507 |
| Loan and lease loss provision to assets | 0.1423% | 1,437 |
| Net operating income to assets | 0.6118% | 4,235 |
| Return on assets (ROA) | 0.6118% | 4,325 |
| Pretax return on assets | 0.9635% | 3,634 |
| Return on Equity (ROE) | 4.7351% | 4,645 |
| Retained earnings to average equity (ytd only) | 3.0047% | 4,175 |
| Net charge-offs to loans | -0.0194% | 5,037 |
| Credit loss provision to net charge-offs | -1,166.6667% | 5,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6548% | 3,372 |
| Assets per employee ($millions) | 3.2848% | 5,263 |
| Cash dividends to net income (ytd only)* | 36.5449% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 4,580 |
| Loan loss allowance to noncurrent loans | 20.0651% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 4.7891% | 265 |
| Noncurrent loans to loans | 5.4209% | 219 |
| Net loans and leases to total assets | 61.5868% | 3,434 |
| Net loans and leases to deposits | 70.8185% | 3,661 |
| Net loans and leases to core deposits | 76.1576% | 3,582 |
| Total domestic deposits to total assets | 86.9642% | 2,389 |
| Equity capital to assets | 12.7688% | 1,531 |
| Core capital (leverage) ratio | 11.8526% | 1,737 |
| Tier 1 risk-based capital ratio | 17.1394% | 2,430 |
| Total risk-based capital ratio | 18.1509% | 2,471 |
| Memoranda: | ||
| Average total assets | $196,785,500 | 3,042 |
| Average earning assets | $178,468,000 | 3,080 |
| Average equity | $25,427,000 | 2,709 |
| Average total loans | $123,853,500 | 3,020 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5857% | 1,602 |
| Cost of funding earning assets | 0.2379% | 5,445 |
| Net interest margin | 4.3478% | 971 |
| Noninterest income to average assets | 0.5112% | 3,416 |
| Noninterest expense to average assets | 3.3335% | 1,841 |
| Loan and lease loss provision to assets | 0.1865% | 1,379 |
| Net operating income to assets | 0.5494% | 4,599 |
| Return on assets (ROA) | 0.5494% | 4,689 |
| Pretax return on assets | 0.8617% | 4,029 |
| Return on Equity (ROE) | 4.1473% | 5,054 |
| Retained earnings to average equity (ytd only) | 2.2603% | 4,632 |
| Net charge-offs to loans | 0.6883% | 541 |
| Credit loss provision to net charge-offs | 41.8577% | 3,640 |
| Earnings coverage of net charge-offs (x) | 2.3522% | 4,176 |
| Efficiency ratio | 73.5002% | 2,930 |
| Assets per employee ($millions) | 3.2746% | 5,307 |
| Cash dividends to net income (ytd only)* | 45.4990% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0419% | 4,844 |
| Loan loss allowance to noncurrent loans | 39.6840% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 3.2365% | 595 |
| Noncurrent loans to loans | 2.6255% | 944 |
| Net loans and leases to total assets | 62.9746% | 3,365 |
| Net loans and leases to deposits | 72.7573% | 3,591 |
| Net loans and leases to core deposits | 78.4842% | 3,468 |
| Total domestic deposits to total assets | 86.5543% | 2,537 |
| Equity capital to assets | 13.0792% | 1,331 |
| Core capital (leverage) ratio | 11.8772% | 1,710 |
| Tier 1 risk-based capital ratio | 17.7678% | 2,211 |
| Total risk-based capital ratio | 18.7782% | 2,272 |
| Memoranda: | ||
| Average total assets | $186,021,400 | 3,151 |
| Average earning assets | $165,602,400 | 3,208 |
| Average equity | $24,642,600 | 2,703 |
| Average total loans | $120,434,000 | 3,029 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5986% | 1,562 |
| Cost of funding earning assets | 0.2419% | 5,487 |
| Net interest margin | 4.3568% | 943 |
| Noninterest income to average assets | 0.5030% | 3,528 |
| Noninterest expense to average assets | 3.3574% | 1,775 |
| Loan and lease loss provision to assets | 0.2367% | 929 |
| Net operating income to assets | 0.4907% | 4,906 |
| Return on assets (ROA) | 0.4907% | 4,971 |
| Pretax return on assets | 0.7679% | 4,473 |
| Return on Equity (ROE) | 3.6918% | 5,281 |
| Retained earnings to average equity (ytd only) | 1.7043% | 5,195 |
| Net charge-offs to loans | 0.7812% | 431 |
| Credit loss provision to net charge-offs | 46.5812% | 3,164 |
| Earnings coverage of net charge-offs (x) | 1.9772% | 4,028 |
| Efficiency ratio | 74.3654% | 2,764 |
| Assets per employee ($millions) | 3.0030% | 5,716 |
| Cash dividends to net income (ytd only)* | 53.8342% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1088% | 4,706 |
| Loan loss allowance to noncurrent loans | 40.9440% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 3.7264% | 554 |
| Noncurrent loans to loans | 2.7082% | 1,047 |
| Net loans and leases to total assets | 65.4310% | 2,962 |
| Net loans and leases to deposits | 75.5133% | 3,241 |
| Net loans and leases to core deposits | 81.2824% | 3,175 |
| Total domestic deposits to total assets | 86.6483% | 2,500 |
| Equity capital to assets | 13.1328% | 1,359 |
| Core capital (leverage) ratio | 12.0733% | 1,658 |
| Tier 1 risk-based capital ratio | 17.1806% | 2,537 |
| Total risk-based capital ratio | 18.2534% | 2,575 |
| Memoranda: | ||
| Average total assets | $184,226,750 | 3,196 |
| Average earning assets | $163,174,500 | 3,270 |
| Average equity | $24,486,000 | 2,715 |
| Average total loans | $119,805,500 | 3,057 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5980% | 1,534 |
| Cost of funding earning assets | 0.2472% | 5,514 |
| Net interest margin | 4.3509% | 936 |
| Noninterest income to average assets | 0.4875% | 3,574 |
| Noninterest expense to average assets | 3.3959% | 1,687 |
| Loan and lease loss provision to assets | 0.2739% | 751 |
| Net operating income to assets | 0.4207% | 5,131 |
| Return on assets (ROA) | 0.4207% | 5,216 |
| Pretax return on assets | 0.6551% | 4,772 |
| Return on Equity (ROE) | 3.1519% | 5,478 |
| Retained earnings to average equity (ytd only) | 1.0178% | 5,350 |
| Net charge-offs to loans | 1.1405% | 279 |
| Credit loss provision to net charge-offs | 37.1471% | 2,965 |
| Earnings coverage of net charge-offs (x) | 1.2600% | 3,854 |
| Efficiency ratio | 75.8612% | 2,663 |
| Assets per employee ($millions) | 2.9437% | 5,829 |
| Cash dividends to net income (ytd only)* | 67.7083% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 4,799 |
| Loan loss allowance to noncurrent loans | 37.4406% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 4.2557% | 474 |
| Noncurrent loans to loans | 3.0003% | 967 |
| Net loans and leases to total assets | 64.6255% | 2,980 |
| Net loans and leases to deposits | 74.8216% | 3,218 |
| Net loans and leases to core deposits | 80.2646% | 3,183 |
| Total domestic deposits to total assets | 86.3728% | 2,838 |
| Equity capital to assets | 13.4530% | 1,178 |
| Core capital (leverage) ratio | 12.1367% | 1,580 |
| Tier 1 risk-based capital ratio | 17.6350% | 2,368 |
| Total risk-based capital ratio | 18.7097% | 2,404 |
| Memoranda: | ||
| Average total assets | $182,572,330 | 3,227 |
| Average earning assets | $161,026,000 | 3,308 |
| Average equity | $24,366,000 | 2,725 |
| Average total loans | $118,015,000 | 3,099 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5959% | 1,519 |
| Cost of funding earning assets | 0.2510% | 5,573 |
| Net interest margin | 4.3448% | 909 |
| Noninterest income to average assets | 0.5235% | 3,238 |
| Noninterest expense to average assets | 3.0908% | 2,563 |
| Loan and lease loss provision to assets | 0.1095% | 2,106 |
| Net operating income to assets | 0.7360% | 3,508 |
| Return on assets (ROA) | 0.7360% | 3,590 |
| Pretax return on assets | 1.1522% | 2,687 |
| Return on Equity (ROE) | 5.5371% | 4,265 |
| Retained earnings to average equity (ytd only) | 3.3948% | 4,094 |
| Net charge-offs to loans | 0.7497% | 465 |
| Credit loss provision to net charge-offs | 22.7273% | 2,477 |
| Earnings coverage of net charge-offs (x) | 2.6182% | 2,838 |
| Efficiency ratio | 68.3946% | 4,114 |
| Assets per employee ($millions) | 3.0988% | 5,690 |
| Cash dividends to net income (ytd only)* | 38.6905% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 3,656 |
| Loan loss allowance to noncurrent loans | 42.1317% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 4.9352% | 418 |
| Noncurrent loans to loans | 3.2998% | 926 |
| Net loans and leases to total assets | 61.8013% | 3,272 |
| Net loans and leases to deposits | 71.6346% | 3,388 |
| Net loans and leases to core deposits | 76.8185% | 3,327 |
| Total domestic deposits to total assets | 86.2729% | 3,223 |
| Equity capital to assets | 13.3885% | 1,143 |
| Core capital (leverage) ratio | 12.2831% | 1,487 |
| Tier 1 risk-based capital ratio | 18.1942% | 2,210 |
| Total risk-based capital ratio | 19.4453% | 2,178 |
| Memoranda: | ||
| Average total assets | $182,603,500 | 3,249 |
| Average earning assets | $160,927,500 | 3,337 |
| Average equity | $24,272,500 | 2,723 |
| Average total loans | $117,378,500 | 3,130 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7846% | 1,354 |
| Cost of funding earning assets | 0.3076% | 5,537 |
| Net interest margin | 4.4770% | 772 |
| Noninterest income to average assets | 0.3061% | 5,152 |
| Noninterest expense to average assets | 3.5648% | 1,521 |
| Loan and lease loss provision to assets | 0.2968% | 1,140 |
| Net operating income to assets | 0.2683% | 5,625 |
| Return on assets (ROA) | 0.3214% | 5,546 |
| Pretax return on assets | 0.4685% | 5,298 |
| Return on Equity (ROE) | 2.3955% | 5,707 |
| Retained earnings to average equity (ytd only) | 0.6315% | 5,549 |
| Net charge-offs to loans | 0.8577% | 716 |
| Credit loss provision to net charge-offs | 54.5181% | 3,717 |
| Earnings coverage of net charge-offs (x) | 1.2641% | 4,645 |
| Efficiency ratio | 81.1183% | 2,009 |
| Assets per employee ($millions) | 3.0397% | 5,772 |
| Cash dividends to net income (ytd only)* | 73.6395% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4670% | 3,345 |
| Loan loss allowance to noncurrent loans | 34.1932% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 5.1207% | 452 |
| Noncurrent loans to loans | 4.2904% | 641 |
| Net loans and leases to total assets | 64.9258% | 2,883 |
| Net loans and leases to deposits | 75.1162% | 3,078 |
| Net loans and leases to core deposits | 80.4095% | 3,080 |
| Total domestic deposits to total assets | 86.4337% | 3,031 |
| Equity capital to assets | 13.1961% | 1,185 |
| Core capital (leverage) ratio | 12.1140% | 1,529 |
| Tier 1 risk-based capital ratio | 17.4393% | 2,436 |
| Total risk-based capital ratio | 18.6913% | 2,411 |
| Memoranda: | ||
| Average total assets | $182,926,000 | 3,241 |
| Average earning assets | $161,267,400 | 3,319 |
| Average equity | $24,546,200 | 2,675 |
| Average total loans | $116,130,600 | 3,127 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7689% | 1,421 |
| Cost of funding earning assets | 0.3191% | 5,559 |
| Net interest margin | 4.4498% | 807 |
| Noninterest income to average assets | 0.2709% | 5,511 |
| Noninterest expense to average assets | 3.5004% | 1,612 |
| Loan and lease loss provision to assets | 0.3226% | 1,034 |
| Net operating income to assets | 0.2552% | 5,766 |
| Return on assets (ROA) | 0.3270% | 5,635 |
| Pretax return on assets | 0.4727% | 5,437 |
| Return on Equity (ROE) | 2.4270% | 5,814 |
| Retained earnings to average equity (ytd only) | 0.6162% | 5,722 |
| Net charge-offs to loans | 1.0389% | 545 |
| Credit loss provision to net charge-offs | 49.3868% | 3,522 |
| Earnings coverage of net charge-offs (x) | 1.0580% | 4,492 |
| Efficiency ratio | 80.7819% | 2,002 |
| Assets per employee ($millions) | 3.0171% | 5,819 |
| Cash dividends to net income (ytd only)* | 74.6112% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4964% | 3,471 |
| Loan loss allowance to noncurrent loans | 44.5512% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 4.9480% | 566 |
| Noncurrent loans to loans | 3.3588% | 1,157 |
| Net loans and leases to total assets | 64.0747% | 2,991 |
| Net loans and leases to deposits | 74.1667% | 3,210 |
| Net loans and leases to core deposits | 78.9182% | 3,239 |
| Total domestic deposits to total assets | 86.3929% | 3,032 |
| Equity capital to assets | 13.3530% | 1,183 |
| Core capital (leverage) ratio | 12.1886% | 1,567 |
| Tier 1 risk-based capital ratio | 17.6980% | 2,441 |
| Total risk-based capital ratio | 18.9503% | 2,405 |
| Memoranda: | ||
| Average total assets | $183,062,750 | 3,272 |
| Average earning assets | $161,291,250 | 3,346 |
| Average equity | $24,666,000 | 2,687 |
| Average total loans | $115,119,750 | 3,162 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7857% | 1,360 |
| Cost of funding earning assets | 0.3277% | 5,588 |
| Net interest margin | 4.4580% | 768 |
| Noninterest income to average assets | 0.1448% | 6,323 |
| Noninterest expense to average assets | 3.4603% | 1,696 |
| Loan and lease loss provision to assets | 0.3135% | 1,133 |
| Net operating income to assets | 0.2087% | 5,865 |
| Return on assets (ROA) | 0.3200% | 5,678 |
| Pretax return on assets | 0.4517% | 5,513 |
| Return on Equity (ROE) | 2.3680% | 5,843 |
| Retained earnings to average equity (ytd only) | 0.5960% | 5,660 |
| Net charge-offs to loans | 1.2272% | 466 |
| Credit loss provision to net charge-offs | 41.0842% | 3,398 |
| Earnings coverage of net charge-offs (x) | 0.7974% | 4,261 |
| Efficiency ratio | 82.2365% | 1,851 |
| Assets per employee ($millions) | 3.0531% | 5,759 |
| Cash dividends to net income (ytd only)* | 74.8299% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5869% | 3,202 |
| Loan loss allowance to noncurrent loans | 37.6645% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 5.3431% | 554 |
| Noncurrent loans to loans | 4.2133% | 884 |
| Net loans and leases to total assets | 61.0378% | 3,477 |
| Net loans and leases to deposits | 70.6753% | 3,628 |
| Net loans and leases to core deposits | 75.3525% | 3,628 |
| Total domestic deposits to total assets | 86.3637% | 3,178 |
| Equity capital to assets | 13.4441% | 1,163 |
| Core capital (leverage) ratio | 11.9868% | 1,621 |
| Tier 1 risk-based capital ratio | 18.1975% | 2,249 |
| Total risk-based capital ratio | 19.4510% | 2,204 |
| Memoranda: | ||
| Average total assets | $183,742,670 | 3,280 |
| Average earning assets | $161,732,000 | 3,363 |
| Average equity | $24,830,670 | 2,677 |
| Average total loans | $114,242,330 | 3,187 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8113% | 1,264 |
| Cost of funding earning assets | 0.3399% | 5,637 |
| Net interest margin | 4.4713% | 710 |
| Noninterest income to average assets | 1.0195% | 1,424 |
| Noninterest expense to average assets | 3.9974% | 887 |
| Loan and lease loss provision to assets | 0.0543% | 3,720 |
| Net operating income to assets | 0.5978% | 4,227 |
| Return on assets (ROA) | 0.5978% | 4,373 |
| Pretax return on assets | 0.8847% | 3,813 |
| Return on Equity (ROE) | 4.4120% | 4,887 |
| Retained earnings to average equity (ytd only) | 2.3263% | 4,859 |
| Net charge-offs to loans | 1.4037% | 388 |
| Credit loss provision to net charge-offs | 6.2189% | 3,182 |
| Earnings coverage of net charge-offs (x) | 1.0746% | 3,480 |
| Efficiency ratio | 78.6438% | 2,512 |
| Assets per employee ($millions) | 3.1194% | 5,790 |
| Cash dividends to net income (ytd only)* | 47.2727% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5986% | 3,403 |
| Loan loss allowance to noncurrent loans | 28.9333% | 6,067 |
| Noncurrent assets plus other real estate owned to assets | 8.0567% | 309 |
| Noncurrent loans to loans | 5.5250% | 649 |
| Net loans and leases to total assets | 61.5074% | 3,168 |
| Net loans and leases to deposits | 71.4975% | 3,253 |
| Net loans and leases to core deposits | 76.2098% | 3,291 |
| Total domestic deposits to total assets | 86.0274% | 3,515 |
| Equity capital to assets | 13.5738% | 1,187 |
| Core capital (leverage) ratio | 11.9585% | 1,593 |
| Tier 1 risk-based capital ratio | 17.7916% | 2,449 |
| Total risk-based capital ratio | 19.0450% | 2,410 |
| Memoranda: | ||
| Average total assets | $184,020,000 | 3,303 |
| Average earning assets | $161,204,500 | 3,410 |
| Average equity | $24,932,000 | 2,711 |
| Average total loans | $114,555,000 | 3,191 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0526% | 1,423 |
| Cost of funding earning assets | 0.4239% | 5,761 |
| Net interest margin | 4.6287% | 745 |
| Noninterest income to average assets | 0.5429% | 3,629 |
| Noninterest expense to average assets | 3.5847% | 1,640 |
| Loan and lease loss provision to assets | 0.4343% | 1,466 |
| Net operating income to assets | 0.3737% | 5,210 |
| Return on assets (ROA) | 0.4755% | 5,032 |
| Pretax return on assets | 0.6904% | 4,698 |
| Return on Equity (ROE) | 3.4726% | 5,360 |
| Retained earnings to average equity (ytd only) | 1.4150% | 5,168 |
| Net charge-offs to loans | 1.0786% | 985 |
| Credit loss provision to net charge-offs | 65.2174% | 4,309 |
| Earnings coverage of net charge-offs (x) | 1.4674% | 4,711 |
| Efficiency ratio | 76.0161% | 2,739 |
| Assets per employee ($millions) | 3.1723% | 5,690 |
| Cash dividends to net income (ytd only)* | 59.2506% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9427% | 2,167 |
| Loan loss allowance to noncurrent loans | 41.0143% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 7.6171% | 389 |
| Noncurrent loans to loans | 4.7366% | 872 |
| Net loans and leases to total assets | 60.7917% | 3,459 |
| Net loans and leases to deposits | 70.6642% | 3,610 |
| Net loans and leases to core deposits | 75.5881% | 3,588 |
| Total domestic deposits to total assets | 86.0289% | 3,351 |
| Equity capital to assets | 13.5233% | 1,216 |
| Core capital (leverage) ratio | 11.9160% | 1,614 |
| Tier 1 risk-based capital ratio | 17.8438% | 2,317 |
| Total risk-based capital ratio | 19.1016% | 2,287 |
| Memoranda: | ||
| Average total assets | $179,595,000 | 3,322 |
| Average earning assets | $155,939,000 | 3,451 |
| Average equity | $24,592,800 | 2,700 |
| Average total loans | $110,880,200 | 3,281 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0844% | 1,462 |
| Cost of funding earning assets | 0.4378% | 5,882 |
| Net interest margin | 4.6467% | 751 |
| Noninterest income to average assets | 0.5341% | 3,717 |
| Noninterest expense to average assets | 3.5899% | 1,571 |
| Loan and lease loss provision to assets | 0.5453% | 1,075 |
| Net operating income to assets | 0.3251% | 5,523 |
| Return on assets (ROA) | 0.3660% | 5,585 |
| Pretax return on assets | 0.4803% | 5,522 |
| Return on Equity (ROE) | 2.6644% | 5,812 |
| Retained earnings to average equity (ytd only) | 0.5111% | 5,932 |
| Net charge-offs to loans | 1.4268% | 624 |
| Credit loss provision to net charge-offs | 61.9694% | 4,103 |
| Earnings coverage of net charge-offs (x) | 1.1044% | 4,747 |
| Efficiency ratio | 76.1258% | 2,657 |
| Assets per employee ($millions) | 3.0984% | 5,857 |
| Cash dividends to net income (ytd only)* | 80.8164% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9552% | 2,306 |
| Loan loss allowance to noncurrent loans | 39.0349% | 5,685 |
| Noncurrent assets plus other real estate owned to assets | 7.7743% | 406 |
| Noncurrent loans to loans | 5.0088% | 901 |
| Net loans and leases to total assets | 60.9431% | 3,582 |
| Net loans and leases to deposits | 70.8778% | 3,776 |
| Net loans and leases to core deposits | 74.6953% | 3,891 |
| Total domestic deposits to total assets | 85.9833% | 3,270 |
| Equity capital to assets | 13.7479% | 1,255 |
| Core capital (leverage) ratio | 12.0388% | 1,633 |
| Tier 1 risk-based capital ratio | 18.0853% | 2,304 |
| Total risk-based capital ratio | 19.3427% | 2,277 |
| Memoranda: | ||
| Average total assets | $178,495,250 | 3,375 |
| Average earning assets | $154,716,500 | 3,507 |
| Average equity | $24,520,500 | 2,732 |
| Average total loans | $110,083,000 | 3,326 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1333% | 1,415 |
| Cost of funding earning assets | 0.4579% | 5,917 |
| Net interest margin | 4.6754% | 709 |
| Noninterest income to average assets | 0.5121% | 3,849 |
| Noninterest expense to average assets | 3.5600% | 1,661 |
| Loan and lease loss provision to assets | 0.6064% | 977 |
| Net operating income to assets | 0.2761% | 5,686 |
| Return on assets (ROA) | 0.3335% | 5,709 |
| Pretax return on assets | 0.4616% | 5,545 |
| Return on Equity (ROE) | 2.4286% | 5,906 |
| Retained earnings to average equity (ytd only) | 0.2126% | 5,973 |
| Net charge-offs to loans | 2.1599% | 365 |
| Credit loss provision to net charge-offs | 45.6467% | 4,135 |
| Earnings coverage of net charge-offs (x) | 0.7439% | 4,683 |
| Efficiency ratio | 75.6790% | 2,792 |
| Assets per employee ($millions) | 2.8948% | 6,246 |
| Cash dividends to net income (ytd only)* | 91.2458% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8182% | 2,788 |
| Loan loss allowance to noncurrent loans | 46.0950% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 7.3881% | 500 |
| Noncurrent loans to loans | 3.9444% | 1,408 |
| Net loans and leases to total assets | 60.8250% | 3,658 |
| Net loans and leases to deposits | 70.8698% | 3,781 |
| Net loans and leases to core deposits | 74.7500% | 3,927 |
| Total domestic deposits to total assets | 85.8264% | 3,439 |
| Equity capital to assets | 13.9018% | 1,141 |
| Core capital (leverage) ratio | 12.1512% | 1,518 |
| Tier 1 risk-based capital ratio | 18.0348% | 2,280 |
| Total risk-based capital ratio | 19.2907% | 2,249 |
| Memoranda: | ||
| Average total assets | $178,091,330 | 3,385 |
| Average earning assets | $153,740,330 | 3,541 |
| Average equity | $24,458,670 | 2,725 |
| Average total loans | $109,543,000 | 3,348 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0382% | 1,763 |
| Cost of funding earning assets | 0.4727% | 5,994 |
| Net interest margin | 4.5655% | 878 |
| Noninterest income to average assets | 0.4920% | 3,963 |
| Noninterest expense to average assets | 3.6344% | 1,492 |
| Loan and lease loss provision to assets | 0.6710% | 796 |
| Net operating income to assets | 0.1431% | 6,137 |
| Return on assets (ROA) | 0.1431% | 6,264 |
| Pretax return on assets | 0.1610% | 6,271 |
| Return on Equity (ROE) | 1.0486% | 6,337 |
| Retained earnings to average equity (ytd only) | -1.1960% | 6,181 |
| Net charge-offs to loans | 3.5104% | 186 |
| Credit loss provision to net charge-offs | 31.1850% | 3,605 |
| Earnings coverage of net charge-offs (x) | 0.3867% | 4,165 |
| Efficiency ratio | 78.7682% | 2,382 |
| Assets per employee ($millions) | 2.7795% | 6,524 |
| Cash dividends to net income (ytd only)* | 214.0625% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8108% | 2,960 |
| Loan loss allowance to noncurrent loans | 44.9464% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 7.9532% | 484 |
| Noncurrent loans to loans | 4.0288% | 1,514 |
| Net loans and leases to total assets | 60.0491% | 3,660 |
| Net loans and leases to deposits | 69.6267% | 3,781 |
| Net loans and leases to core deposits | 73.5309% | 3,956 |
| Total domestic deposits to total assets | 86.2444% | 3,389 |
| Equity capital to assets | 13.6808% | 1,155 |
| Core capital (leverage) ratio | 11.9240% | 1,632 |
| Tier 1 risk-based capital ratio | 17.8079% | 2,354 |
| Total risk-based capital ratio | 19.0629% | 2,333 |
| Memoranda: | ||
| Average total assets | $178,846,000 | 3,400 |
| Average earning assets | $155,691,000 | 3,516 |
| Average equity | $24,414,000 | 2,727 |
| Average total loans | $109,617,000 | 3,357 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3722% | 1,492 |
| Cost of funding earning assets | 0.6940% | 5,579 |
| Net interest margin | 4.6783% | 784 |
| Noninterest income to average assets | 0.5052% | 3,814 |
| Noninterest expense to average assets | 3.8810% | 1,210 |
| Loan and lease loss provision to assets | 0.1368% | 4,911 |
| Net operating income to assets | 0.3963% | 4,884 |
| Return on assets (ROA) | 0.5057% | 4,609 |
| Pretax return on assets | 0.7438% | 4,179 |
| Return on Equity (ROE) | 3.8151% | 4,937 |
| Retained earnings to average equity (ytd only) | 1.5401% | 5,112 |
| Net charge-offs to loans | 0.2589% | 4,157 |
| Credit loss provision to net charge-offs | 82.5083% | 4,345 |
| Earnings coverage of net charge-offs (x) | 4.3399% | 3,159 |
| Efficiency ratio | 81.8582% | 2,044 |
| Assets per employee ($millions) | 2.7662% | 6,508 |
| Cash dividends to net income (ytd only)* | 59.6320% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3832% | 1,487 |
| Loan loss allowance to noncurrent loans | 64.0234% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 7.4911% | 584 |
| Noncurrent loans to loans | 3.7223% | 1,692 |
| Net loans and leases to total assets | 59.9607% | 3,998 |
| Net loans and leases to deposits | 69.5764% | 4,178 |
| Net loans and leases to core deposits | 73.4361% | 4,313 |
| Total domestic deposits to total assets | 86.1797% | 3,214 |
| Equity capital to assets | 13.6212% | 1,209 |
| Core capital (leverage) ratio | 11.9036% | 1,654 |
| Tier 1 risk-based capital ratio | 17.9270% | 2,218 |
| Total risk-based capital ratio | 19.1892% | 2,185 |
| Memoranda: | ||
| Average total assets | $182,712,400 | 3,289 |
| Average earning assets | $159,952,400 | 3,407 |
| Average equity | $24,219,800 | 2,644 |
| Average total loans | $117,030,800 | 3,236 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3944% | 1,528 |
| Cost of funding earning assets | 0.7425% | 5,503 |
| Net interest margin | 4.6519% | 846 |
| Noninterest income to average assets | 0.4884% | 3,964 |
| Noninterest expense to average assets | 3.7315% | 1,434 |
| Loan and lease loss provision to assets | 0.1817% | 4,216 |
| Net operating income to assets | 0.4558% | 4,743 |
| Return on assets (ROA) | 0.4833% | 4,805 |
| Pretax return on assets | 0.6956% | 4,497 |
| Return on Equity (ROE) | 3.6711% | 5,139 |
| Retained earnings to average equity (ytd only) | 1.3470% | 5,464 |
| Net charge-offs to loans | 0.3719% | 3,235 |
| Credit loss provision to net charge-offs | 75.5287% | 4,292 |
| Earnings coverage of net charge-offs (x) | 3.4804% | 3,424 |
| Efficiency ratio | 79.1759% | 2,380 |
| Assets per employee ($millions) | 2.6883% | 6,664 |
| Cash dividends to net income (ytd only)* | 63.3087% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3432% | 1,625 |
| Loan loss allowance to noncurrent loans | 48.3296% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 8.2202% | 526 |
| Noncurrent loans to loans | 4.8484% | 1,313 |
| Net loans and leases to total assets | 60.2531% | 4,088 |
| Net loans and leases to deposits | 69.9468% | 4,309 |
| Net loans and leases to core deposits | 73.5874% | 4,514 |
| Total domestic deposits to total assets | 86.1412% | 3,143 |
| Equity capital to assets | 13.5973% | 1,329 |
| Core capital (leverage) ratio | 11.7432% | 1,864 |
| Tier 1 risk-based capital ratio | 17.8097% | 2,326 |
| Total risk-based capital ratio | 19.0723% | 2,289 |
| Memoranda: | ||
| Average total assets | $183,440,250 | 3,301 |
| Average earning assets | $160,904,250 | 3,406 |
| Average equity | $24,152,000 | 2,656 |
| Average total loans | $118,678,000 | 3,228 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3996% | 1,563 |
| Cost of funding earning assets | 0.7858% | 5,472 |
| Net interest margin | 4.6138% | 885 |
| Noninterest income to average assets | 0.4920% | 3,931 |
| Noninterest expense to average assets | 3.3910% | 2,285 |
| Loan and lease loss provision to assets | 0.2167% | 3,754 |
| Net operating income to assets | 0.6101% | 4,008 |
| Return on assets (ROA) | 0.6101% | 4,137 |
| Pretax return on assets | 0.9439% | 3,462 |
| Return on Equity (ROE) | 4.6841% | 4,599 |
| Retained earnings to average equity (ytd only) | 2.3046% | 4,826 |
| Net charge-offs to loans | 0.2046% | 3,928 |
| Credit loss provision to net charge-offs | 161.2903% | 1,878 |
| Earnings coverage of net charge-offs (x) | 8.6371% | 2,029 |
| Efficiency ratio | 72.0000% | 3,734 |
| Assets per employee ($millions) | 2.5818% | 6,820 |
| Cash dividends to net income (ytd only)* | 50.7993% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3377% | 1,681 |
| Loan loss allowance to noncurrent loans | 56.7640% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 7.3725% | 666 |
| Noncurrent loans to loans | 4.1182% | 1,663 |
| Net loans and leases to total assets | 63.8253% | 3,503 |
| Net loans and leases to deposits | 74.0803% | 3,798 |
| Net loans and leases to core deposits | 78.3903% | 4,009 |
| Total domestic deposits to total assets | 86.1569% | 3,238 |
| Equity capital to assets | 13.5393% | 1,271 |
| Core capital (leverage) ratio | 11.6515% | 1,809 |
| Tier 1 risk-based capital ratio | 16.3317% | 2,818 |
| Total risk-based capital ratio | 17.5934% | 2,779 |
| Memoranda: | ||
| Average total assets | $184,548,000 | 3,309 |
| Average earning assets | $162,382,330 | 3,397 |
| Average equity | $24,039,000 | 2,659 |
| Average total loans | $121,194,000 | 3,201 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3116% | 1,831 |
| Cost of funding earning assets | 0.8414% | 5,324 |
| Net interest margin | 4.4702% | 1,131 |
| Noninterest income to average assets | 0.4398% | 4,363 |
| Noninterest expense to average assets | 3.3444% | 2,422 |
| Loan and lease loss provision to assets | 0.4290% | 2,045 |
| Net operating income to assets | 0.3926% | 4,984 |
| Return on assets (ROA) | 0.3926% | 5,074 |
| Pretax return on assets | 0.5985% | 4,691 |
| Return on Equity (ROE) | 3.0725% | 5,329 |
| Retained earnings to average equity (ytd only) | 0.6380% | 5,577 |
| Net charge-offs to loans | 0.2216% | 3,201 |
| Credit loss provision to net charge-offs | 294.1176% | 1,092 |
| Earnings coverage of net charge-offs (x) | 7.0441% | 2,008 |
| Efficiency ratio | 73.9450% | 3,519 |
| Assets per employee ($millions) | 2.6870% | 6,709 |
| Cash dividends to net income (ytd only)* | 79.2350% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3224% | 1,726 |
| Loan loss allowance to noncurrent loans | 63.3318% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 7.4103% | 687 |
| Noncurrent loans to loans | 3.6671% | 2,017 |
| Net loans and leases to total assets | 65.8094% | 3,062 |
| Net loans and leases to deposits | 76.1970% | 3,386 |
| Net loans and leases to core deposits | 81.4663% | 3,532 |
| Total domestic deposits to total assets | 86.3674% | 3,299 |
| Equity capital to assets | 13.2393% | 1,285 |
| Core capital (leverage) ratio | 11.2063% | 2,028 |
| Tier 1 risk-based capital ratio | 15.6724% | 3,069 |
| Total risk-based capital ratio | 16.9340% | 3,024 |
| Memoranda: | ||
| Average total assets | $186,459,000 | 3,290 |
| Average earning assets | $164,019,000 | 3,388 |
| Average equity | $23,824,000 | 2,661 |
| Average total loans | $122,736,000 | 3,202 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8473% | 1,155 |
| Cost of funding earning assets | 1.2039% | 4,541 |
| Net interest margin | 4.6435% | 922 |
| Noninterest income to average assets | 0.6954% | 2,863 |
| Noninterest expense to average assets | 3.5293% | 2,101 |
| Loan and lease loss provision to assets | 0.6261% | 2,624 |
| Net operating income to assets | 0.4983% | 4,104 |
| Return on assets (ROA) | 0.5014% | 4,253 |
| Pretax return on assets | 0.6880% | 4,014 |
| Return on Equity (ROE) | 3.9355% | 4,557 |
| Retained earnings to average equity (ytd only) | 2.0702% | 4,430 |
| Net charge-offs to loans | 0.9485% | 2,287 |
| Credit loss provision to net charge-offs | 93.6255% | 4,964 |
| Earnings coverage of net charge-offs (x) | 1.9586% | 4,262 |
| Efficiency ratio | 70.6200% | 4,051 |
| Assets per employee ($millions) | 3.0617% | 5,970 |
| Cash dividends to net income (ytd only)* | 47.3964% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1622% | 1,941 |
| Loan loss allowance to noncurrent loans | 87.2887% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 6.1539% | 950 |
| Noncurrent loans to loans | 2.4771% | 3,045 |
| Net loans and leases to total assets | 62.9864% | 4,076 |
| Net loans and leases to deposits | 72.1115% | 4,498 |
| Net loans and leases to core deposits | 76.5010% | 4,638 |
| Total domestic deposits to total assets | 87.3459% | 2,640 |
| Equity capital to assets | 12.3456% | 1,720 |
| Core capital (leverage) ratio | 11.1171% | 2,072 |
| Tier 1 risk-based capital ratio | 15.2142% | 3,145 |
| Total risk-based capital ratio | 16.4741% | 3,090 |
| Memoranda: | ||
| Average total assets | $187,656,200 | 3,262 |
| Average earning assets | $167,461,600 | 3,330 |
| Average equity | $23,910,800 | 2,666 |
| Average total loans | $132,310,000 | 3,078 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9621% | 1,006 |
| Cost of funding earning assets | 1.3021% | 4,201 |
| Net interest margin | 4.6600% | 925 |
| Noninterest income to average assets | 0.8321% | 2,070 |
| Noninterest expense to average assets | 3.5295% | 1,966 |
| Loan and lease loss provision to assets | 0.7405% | 2,064 |
| Net operating income to assets | 0.4941% | 4,341 |
| Return on assets (ROA) | 0.4980% | 4,519 |
| Pretax return on assets | 0.7341% | 4,133 |
| Return on Equity (ROE) | 3.8770% | 4,834 |
| Retained earnings to average equity (ytd only) | 2.0054% | 4,953 |
| Net charge-offs to loans | 0.9329% | 2,126 |
| Credit loss provision to net charge-offs | 110.1064% | 3,847 |
| Earnings coverage of net charge-offs (x) | 2.1840% | 4,089 |
| Efficiency ratio | 68.3653% | 4,394 |
| Assets per employee ($millions) | 2.8523% | 6,475 |
| Cash dividends to net income (ytd only)* | 48.2758% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2214% | 1,761 |
| Loan loss allowance to noncurrent loans | 63.2802% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 6.6059% | 853 |
| Noncurrent loans to loans | 3.5105% | 2,249 |
| Net loans and leases to total assets | 68.9356% | 3,007 |
| Net loans and leases to deposits | 79.8151% | 3,488 |
| Net loans and leases to core deposits | 84.3004% | 3,897 |
| Total domestic deposits to total assets | 86.3692% | 2,877 |
| Equity capital to assets | 13.2566% | 1,472 |
| Core capital (leverage) ratio | 11.0566% | 2,222 |
| Tier 1 risk-based capital ratio | 15.1165% | 3,197 |
| Total risk-based capital ratio | 16.3775% | 3,172 |
| Memoranda: | ||
| Average total assets | $186,348,750 | 3,327 |
| Average earning assets | $166,604,500 | 3,379 |
| Average equity | $23,935,250 | 2,703 |
| Average total loans | $134,343,250 | 3,091 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0015% | 948 |
| Cost of funding earning assets | 1.3834% | 3,985 |
| Net interest margin | 4.6181% | 959 |
| Noninterest income to average assets | 0.9338% | 1,567 |
| Noninterest expense to average assets | 3.6170% | 1,740 |
| Loan and lease loss provision to assets | 0.7547% | 1,915 |
| Net operating income to assets | 0.4823% | 4,403 |
| Return on assets (ROA) | 0.4882% | 4,539 |
| Pretax return on assets | 0.7057% | 4,212 |
| Return on Equity (ROE) | 3.8412% | 4,853 |
| Retained earnings to average equity (ytd only) | 1.8786% | 4,928 |
| Net charge-offs to loans | 0.6342% | 2,641 |
| Credit loss provision to net charge-offs | 163.8889% | 2,407 |
| Earnings coverage of net charge-offs (x) | 3.1528% | 3,430 |
| Efficiency ratio | 69.1483% | 4,348 |
| Assets per employee ($millions) | 2.6339% | 6,887 |
| Cash dividends to net income (ytd only)* | 51.0917% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3319% | 1,534 |
| Loan loss allowance to noncurrent loans | 95.9293% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 5.5284% | 1,112 |
| Noncurrent loans to loans | 2.4309% | 3,220 |
| Net loans and leases to total assets | 69.0580% | 3,117 |
| Net loans and leases to deposits | 79.8411% | 3,622 |
| Net loans and leases to core deposits | 85.5541% | 3,897 |
| Total domestic deposits to total assets | 86.4943% | 2,822 |
| Equity capital to assets | 13.0230% | 1,560 |
| Core capital (leverage) ratio | 10.9186% | 2,307 |
| Tier 1 risk-based capital ratio | 15.0291% | 3,145 |
| Total risk-based capital ratio | 16.2919% | 3,103 |
| Memoranda: | ||
| Average total assets | $187,615,000 | 3,342 |
| Average earning assets | $167,990,330 | 3,375 |
| Average equity | $23,847,000 | 2,709 |
| Average total loans | $136,224,000 | 3,079 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8525% | 1,319 |
| Cost of funding earning assets | 1.0217% | 6,270 |
| Net interest margin | 4.8308% | 601 |
| Noninterest income to average assets | 1.1020% | 1,038 |
| Noninterest expense to average assets | 3.8071% | 1,320 |
| Loan and lease loss provision to assets | 0.6441% | 1,965 |
| Net operating income to assets | 0.6011% | 3,892 |
| Return on assets (ROA) | 0.6011% | 4,035 |
| Pretax return on assets | 0.8802% | 3,538 |
| Return on Equity (ROE) | 4.2846% | 4,764 |
| Retained earnings to average equity (ytd only) | 4.2846% | 3,575 |
| Net charge-offs to loans | 0.0393% | 5,028 |
| Credit loss provision to net charge-offs | 2,250.0000% | 228 |
| Earnings coverage of net charge-offs (x) | 53.2500% | 545 |
| Efficiency ratio | 71.4094% | 4,045 |
| Assets per employee ($millions) | 2.4357% | 7,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6665% | 3,187 |
| Loan loss allowance to noncurrent loans | 71.1991% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 6.1121% | 967 |
| Noncurrent loans to loans | 2.3407% | 3,341 |
| Net loans and leases to total assets | 70.0428% | 2,926 |
| Net loans and leases to deposits | 82.0072% | 3,281 |
| Net loans and leases to core deposits | 91.8041% | 3,131 |
| Total domestic deposits to total assets | 85.4106% | 3,457 |
| Equity capital to assets | 14.1325% | 1,105 |
| Core capital (leverage) ratio | 11.6145% | 1,849 |
| Tier 1 risk-based capital ratio | 14.5630% | 3,345 |
| Total risk-based capital ratio | 15.8156% | 3,307 |
| Memoranda: | ||
| Average total assets | $55,896,000 | 6,538 |
| Average earning assets | $48,936,000 | 6,592 |
| Average equity | $7,842,000 | 5,898 |
| Average total loans | $40,744,000 | 6,088 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1337% | 1,423 |
| Cost of funding earning assets | 1.2238% | 6,577 |
| Net interest margin | 4.9099% | 544 |
| Noninterest income to average assets | 0.7683% | 2,567 |
| Noninterest expense to average assets | 4.1043% | 1,227 |
| Loan and lease loss provision to assets | 0.4403% | 4,189 |
| Net operating income to assets | 0.3785% | 4,215 |
| Return on assets (ROA) | 0.3986% | 4,237 |
| Pretax return on assets | 0.5400% | 4,079 |
| Return on Equity (ROE) | 2.8014% | 4,586 |
| Retained earnings to average equity (ytd only) | -1.0187% | 5,262 |
| Net charge-offs to loans | 0.5486% | 3,592 |
| Credit loss provision to net charge-offs | 111.4679% | 4,928 |
| Earnings coverage of net charge-offs (x) | 2.4128% | 3,922 |
| Efficiency ratio | 81.1537% | 2,719 |
| Assets per employee ($millions) | 2.3238% | 7,444 |
| Cash dividends to net income (ytd only)* | 136.3636% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 4,273 |
| Loan loss allowance to noncurrent loans | 49.1511% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 6.2756% | 881 |
| Noncurrent loans to loans | 2.8328% | 2,721 |
| Net loans and leases to total assets | 73.5243% | 2,376 |
| Net loans and leases to deposits | 85.7203% | 2,963 |
| Net loans and leases to core deposits | 102.9629% | 3,691 |
| Total domestic deposits to total assets | 85.7724% | 3,125 |
| Equity capital to assets | 13.9263% | 1,193 |
| Core capital (leverage) ratio | 11.4192% | 1,963 |
| Tier 1 risk-based capital ratio | 13.9982% | 3,501 |
| Total risk-based capital ratio | 15.2484% | 3,456 |
| Memoranda: | ||
| Average total assets | $55,186,600 | 6,524 |
| Average earning assets | $48,208,800 | 6,591 |
| Average equity | $7,853,200 | 5,974 |
| Average total loans | $39,736,000 | 6,123 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1379% | 1,531 |
| Cost of funding earning assets | 1.2681% | 6,661 |
| Net interest margin | 4.8698% | 596 |
| Noninterest income to average assets | 0.7897% | 2,487 |
| Noninterest expense to average assets | 4.0624% | 1,196 |
| Loan and lease loss provision to assets | 0.2301% | 5,130 |
| Net operating income to assets | 0.5252% | 3,880 |
| Return on assets (ROA) | 0.5354% | 3,932 |
| Pretax return on assets | 0.7631% | 3,653 |
| Return on Equity (ROE) | 3.7418% | 4,475 |
| Retained earnings to average equity (ytd only) | 0.6942% | 4,897 |
| Net charge-offs to loans | 0.0034% | 6,939 |
| Credit loss provision to net charge-offs | 9,500.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 405.0000% | 90 |
| Efficiency ratio | 80.5863% | 2,760 |
| Assets per employee ($millions) | 2.3646% | 7,427 |
| Cash dividends to net income (ytd only)* | 81.4464% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5634% | 3,147 |
| Loan loss allowance to noncurrent loans | 49.2401% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 6.4106% | 796 |
| Noncurrent loans to loans | 3.1751% | 2,381 |
| Net loans and leases to total assets | 71.8943% | 3,064 |
| Net loans and leases to deposits | 89.2974% | 2,720 |
| Net loans and leases to core deposits | 108.4068% | 3,421 |
| Total domestic deposits to total assets | 80.5110% | 5,241 |
| Equity capital to assets | 14.0053% | 1,304 |
| Core capital (leverage) ratio | 11.7905% | 1,912 |
| Tier 1 risk-based capital ratio | 14.3310% | 3,366 |
| Total risk-based capital ratio | 15.5831% | 3,309 |
| Memoranda: | ||
| Average total assets | $55,040,250 | 6,576 |
| Average earning assets | $48,050,250 | 6,644 |
| Average equity | $7,874,750 | 6,026 |
| Average total loans | $39,273,750 | 6,188 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2344% | 1,374 |
| Cost of funding earning assets | 1.3368% | 6,689 |
| Net interest margin | 4.8976% | 545 |
| Noninterest income to average assets | 0.7013% | 2,985 |
| Noninterest expense to average assets | 4.3216% | 922 |
| Loan and lease loss provision to assets | 0.2203% | 4,832 |
| Net operating income to assets | 0.3426% | 4,709 |
| Return on assets (ROA) | 0.3598% | 4,763 |
| Pretax return on assets | 0.4590% | 4,753 |
| Return on Equity (ROE) | 2.4967% | 5,099 |
| Retained earnings to average equity (ytd only) | 0.4586% | 5,031 |
| Net charge-offs to loans | 0.0052% | 6,537 |
| Credit loss provision to net charge-offs | 6,000.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 179.0000% | 229 |
| Efficiency ratio | 86.7994% | 2,143 |
| Assets per employee ($millions) | 2.3912% | 7,440 |
| Cash dividends to net income (ytd only)* | 81.6327% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6059% | 2,711 |
| Loan loss allowance to noncurrent loans | 319.2708% | 982 |
| Noncurrent assets plus other real estate owned to assets | 4.5712% | 1,215 |
| Noncurrent loans to loans | 0.5030% | 6,268 |
| Net loans and leases to total assets | 68.2910% | 4,110 |
| Net loans and leases to deposits | 80.2127% | 4,515 |
| Net loans and leases to core deposits | 95.5991% | 4,949 |
| Total domestic deposits to total assets | 85.1374% | 3,196 |
| Equity capital to assets | 14.3171% | 1,221 |
| Core capital (leverage) ratio | 11.8616% | 1,899 |
| Tier 1 risk-based capital ratio | 15.2407% | 2,915 |
| Total risk-based capital ratio | 16.4942% | 2,840 |
| Memoranda: | ||
| Average total assets | $54,470,330 | 6,659 |
| Average earning assets | $47,574,670 | 6,728 |
| Average equity | $7,850,330 | 6,073 |
| Average total loans | $38,549,000 | 6,269 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2243% | 1,517 |
| Cost of funding earning assets | 1.3935% | 6,759 |
| Net interest margin | 4.8308% | 574 |
| Noninterest income to average assets | 0.7232% | 2,744 |
| Noninterest expense to average assets | 4.3980% | 788 |
| Loan and lease loss provision to assets | 0.2214% | 4,238 |
| Net operating income to assets | 0.2078% | 5,637 |
| Return on assets (ROA) | 0.2361% | 5,704 |
| Pretax return on assets | 0.3690% | 5,485 |
| Return on Equity (ROE) | 1.6330% | 5,906 |
| Retained earnings to average equity (ytd only) | 1.6330% | 4,930 |
| Net charge-offs to loans | 0.0103% | 5,490 |
| Credit loss provision to net charge-offs | 3,000.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 553 |
| Efficiency ratio | 88.9552% | 1,810 |
| Assets per employee ($millions) | 2.2431% | 7,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4540% | 3,210 |
| Loan loss allowance to noncurrent loans | 1,943.3333% | 238 |
| Noncurrent assets plus other real estate owned to assets | 4.3690% | 1,118 |
| Noncurrent loans to loans | 0.0748% | 7,311 |
| Net loans and leases to total assets | 73.3997% | 2,913 |
| Net loans and leases to deposits | 88.3133% | 3,234 |
| Net loans and leases to core deposits | 107.9264% | 3,692 |
| Total domestic deposits to total assets | 83.1129% | 4,083 |
| Equity capital to assets | 14.6970% | 1,182 |
| Core capital (leverage) ratio | 11.8897% | 1,947 |
| Tier 1 risk-based capital ratio | 14.8837% | 3,121 |
| Total risk-based capital ratio | 16.1361% | 3,046 |
| Memoranda: | ||
| Average total assets | $54,207,000 | 6,699 |
| Average earning assets | $47,362,500 | 6,773 |
| Average equity | $7,838,500 | 6,113 |
| Average total loans | $38,738,000 | 6,289 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7473% | 1,876 |
| Cost of funding earning assets | 2.1570% | 5,795 |
| Net interest margin | 4.5903% | 1,209 |
| Noninterest income to average assets | 0.9875% | 1,621 |
| Noninterest expense to average assets | 4.0224% | 1,384 |
| Loan and lease loss provision to assets | 0.3391% | 3,681 |
| Net operating income to assets | 0.4736% | 4,856 |
| Return on assets (ROA) | 0.4762% | 4,665 |
| Pretax return on assets | 0.6948% | 4,415 |
| Return on Equity (ROE) | 3.3143% | 5,117 |
| Retained earnings to average equity (ytd only) | 0.0645% | 5,199 |
| Net charge-offs to loans | 0.9670% | 1,275 |
| Credit loss provision to net charge-offs | 51.2605% | 6,339 |
| Earnings coverage of net charge-offs (x) | 1.5574% | 5,320 |
| Efficiency ratio | 79.6113% | 2,651 |
| Assets per employee ($millions) | 2.2742% | 7,601 |
| Cash dividends to net income (ytd only)* | 98.0545% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4821% | 2,783 |
| Loan loss allowance to noncurrent loans | 548.5149% | 807 |
| Noncurrent assets plus other real estate owned to assets | 4.2506% | 931 |
| Noncurrent loans to loans | 0.2702% | 6,564 |
| Net loans and leases to total assets | 67.4698% | 4,560 |
| Net loans and leases to deposits | 79.1153% | 5,182 |
| Net loans and leases to core deposits | 96.0661% | 5,253 |
| Total domestic deposits to total assets | 85.2803% | 2,713 |
| Equity capital to assets | 14.2268% | 1,370 |
| Core capital (leverage) ratio | 11.8845% | 2,034 |
| Tier 1 risk-based capital ratio | 15.5732% | 2,818 |
| Total risk-based capital ratio | 16.8248% | 2,750 |
| Memoranda: | ||
| Average total assets | $53,972,400 | 6,623 |
| Average earning assets | $47,796,800 | 6,674 |
| Average equity | $7,754,200 | 6,188 |
| Average total loans | $36,916,800 | 6,319 |