Home > Pioneer Bank > Performance and Condition Ratios
Pioneer Bank, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0727% | 1,280 |
| Cost of funding earning assets | 0.6831% | 3,243 |
| Net interest margin | 4.3896% | 909 |
| Noninterest income to average assets | 0.3933% | 3,340 |
| Noninterest expense to average assets | 3.9003% | 599 |
| Loan and lease loss provision to assets | 0.0948% | 2,140 |
| Net operating income to assets | 0.3446% | 4,689 |
| Return on assets (ROA) | 0.3446% | 4,719 |
| Pretax return on assets | 0.4362% | 4,656 |
| Return on Equity (ROE) | 3.2082% | 4,626 |
| Retained earnings to average equity (ytd only) | 3.2082% | 3,414 |
| Net charge-offs to loans | -0.0016% | 4,207 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2307% | 480 |
| Assets per employee ($millions) | 3.6634% | 4,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0688% | 5,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 75.7125% | 1,462 |
| Net loans and leases to deposits | 86.2145% | 2,057 |
| Net loans and leases to core deposits | 90.0884% | 2,416 |
| Total domestic deposits to total assets | 87.8187% | 1,219 |
| Equity capital to assets | 11.2135% | 2,804 |
| Core capital (leverage) ratio | 8.6821% | 4,730 |
| Tier 1 risk-based capital ratio | 10.5204% | 5,017 |
| Total risk-based capital ratio | 10.5859% | 5,153 |
| Memoranda: | ||
| Average total assets | $158,169,000 | 3,217 |
| Average earning assets | $145,503,600 | 3,215 |
| Average equity | $16,987,600 | 3,437 |
| Average total loans | $126,290,400 | 2,864 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0037% | 1,524 |
| Cost of funding earning assets | 0.6763% | 3,328 |
| Net interest margin | 4.3274% | 1,109 |
| Noninterest income to average assets | 0.4006% | 3,316 |
| Noninterest expense to average assets | 4.1622% | 432 |
| Loan and lease loss provision to assets | 0.0567% | 2,760 |
| Net operating income to assets | 0.1719% | 4,970 |
| Return on assets (ROA) | 0.1719% | 4,982 |
| Pretax return on assets | 0.1923% | 4,988 |
| Return on Equity (ROE) | 1.6192% | 4,948 |
| Retained earnings to average equity (ytd only) | 1.6192% | 4,392 |
| Net charge-offs to loans | -0.0010% | 4,002 |
| Credit loss provision to net charge-offs | -6,700.0000% | 4,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3548% | 225 |
| Assets per employee ($millions) | 3.4211% | 4,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 3,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 80.5415% | 773 |
| Net loans and leases to deposits | 90.7619% | 1,595 |
| Net loans and leases to core deposits | 99.2296% | 1,722 |
| Total domestic deposits to total assets | 88.7393% | 721 |
| Equity capital to assets | 10.6398% | 3,430 |
| Core capital (leverage) ratio | 10.6704% | 2,957 |
| Tier 1 risk-based capital ratio | 12.4589% | 4,169 |
| Total risk-based capital ratio | 13.4520% | 4,192 |
| Memoranda: | ||
| Average total assets | $157,413,750 | 3,256 |
| Average earning assets | $145,887,750 | 3,246 |
| Average equity | $16,715,750 | 3,496 |
| Average total loans | $127,331,750 | 2,886 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9664% | 1,573 |
| Cost of funding earning assets | 0.6457% | 3,431 |
| Net interest margin | 4.3208% | 1,098 |
| Noninterest income to average assets | 0.3887% | 3,348 |
| Noninterest expense to average assets | 3.4924% | 970 |
| Loan and lease loss provision to assets | 0.0762% | 2,291 |
| Net operating income to assets | 0.6263% | 4,231 |
| Return on assets (ROA) | 0.6263% | 4,275 |
| Pretax return on assets | 0.8245% | 4,033 |
| Return on Equity (ROE) | 5.9020% | 4,072 |
| Retained earnings to average equity (ytd only) | 5.9020% | 2,327 |
| Net charge-offs to loans | -0.0016% | 3,927 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4968% | 1,010 |
| Assets per employee ($millions) | 3.4547% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0440% | 3,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 80.7823% | 760 |
| Net loans and leases to deposits | 90.9331% | 1,639 |
| Net loans and leases to core deposits | 100.9315% | 1,639 |
| Total domestic deposits to total assets | 88.8371% | 731 |
| Equity capital to assets | 10.9391% | 3,138 |
| Core capital (leverage) ratio | 11.0689% | 2,532 |
| Tier 1 risk-based capital ratio | 12.7295% | 3,996 |
| Total risk-based capital ratio | 13.7216% | 4,028 |
| Memoranda: | ||
| Average total assets | $157,428,000 | 3,273 |
| Average earning assets | $145,899,330 | 3,264 |
| Average equity | $16,706,330 | 3,495 |
| Average total loans | $127,082,000 | 2,908 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9005% | 1,588 |
| Cost of funding earning assets | 0.6160% | 3,488 |
| Net interest margin | 4.2845% | 1,124 |
| Noninterest income to average assets | 0.4015% | 3,171 |
| Noninterest expense to average assets | 3.2750% | 1,339 |
| Loan and lease loss provision to assets | 0.0758% | 2,169 |
| Net operating income to assets | 0.7701% | 3,711 |
| Return on assets (ROA) | 0.7701% | 3,761 |
| Pretax return on assets | 1.0201% | 3,379 |
| Return on Equity (ROE) | 7.3687% | 3,524 |
| Retained earnings to average equity (ytd only) | 7.3687% | 1,897 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9278% | 1,619 |
| Assets per employee ($millions) | 3.4708% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 3,636 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 81.3376% | 666 |
| Net loans and leases to deposits | 91.3423% | 1,475 |
| Net loans and leases to core deposits | 99.3618% | 1,677 |
| Total domestic deposits to total assets | 89.0470% | 836 |
| Equity capital to assets | 10.7289% | 3,133 |
| Core capital (leverage) ratio | 10.9577% | 2,610 |
| Tier 1 risk-based capital ratio | 12.5049% | 4,166 |
| Total risk-based capital ratio | 13.4674% | 4,214 |
| Memoranda: | ||
| Average total assets | $158,411,500 | 3,311 |
| Average earning assets | $146,761,000 | 3,298 |
| Average equity | $16,556,500 | 3,525 |
| Average total loans | $127,168,000 | 2,934 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9450% | 1,170 |
| Cost of funding earning assets | 0.4431% | 3,724 |
| Net interest margin | 4.5020% | 759 |
| Noninterest income to average assets | 0.4421% | 3,156 |
| Noninterest expense to average assets | 3.3454% | 1,231 |
| Loan and lease loss provision to assets | 0.0399% | 3,392 |
| Net operating income to assets | 0.8826% | 3,483 |
| Return on assets (ROA) | 0.8895% | 3,463 |
| Pretax return on assets | 1.2190% | 2,817 |
| Return on Equity (ROE) | 8.4875% | 3,225 |
| Retained earnings to average equity (ytd only) | 7.6680% | 1,389 |
| Net charge-offs to loans | -0.0176% | 4,663 |
| Credit loss provision to net charge-offs | -285.7143% | 4,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7944% | 1,797 |
| Assets per employee ($millions) | 3.6508% | 4,388 |
| Cash dividends to net income (ytd only)* | 9.6557% | 3,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 3,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 77.6533% | 1,328 |
| Net loans and leases to deposits | 86.7033% | 2,190 |
| Net loans and leases to core deposits | 94.5903% | 2,179 |
| Total domestic deposits to total assets | 89.5622% | 636 |
| Equity capital to assets | 10.1820% | 3,487 |
| Core capital (leverage) ratio | 10.9660% | 2,557 |
| Tier 1 risk-based capital ratio | 12.2865% | 4,243 |
| Total risk-based capital ratio | 13.2276% | 4,331 |
| Memoranda: | ||
| Average total assets | $150,205,000 | 3,385 |
| Average earning assets | $138,584,200 | 3,377 |
| Average equity | $15,740,800 | 3,544 |
| Average total loans | $119,467,200 | 3,000 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9573% | 1,026 |
| Cost of funding earning assets | 0.4185% | 3,731 |
| Net interest margin | 4.5388% | 685 |
| Noninterest income to average assets | 0.4517% | 3,159 |
| Noninterest expense to average assets | 3.3577% | 1,185 |
| Loan and lease loss provision to assets | 0.0407% | 3,189 |
| Net operating income to assets | 0.9024% | 3,517 |
| Return on assets (ROA) | 0.9024% | 3,521 |
| Pretax return on assets | 1.2466% | 2,822 |
| Return on Equity (ROE) | 8.5454% | 3,313 |
| Retained earnings to average equity (ytd only) | 7.6900% | 1,802 |
| Net charge-offs to loans | -0.0238% | 4,684 |
| Credit loss provision to net charge-offs | -214.2857% | 4,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2870% | 1,838 |
| Assets per employee ($millions) | 3.2958% | 4,775 |
| Cash dividends to net income (ytd only)* | 10.0100% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 3,634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 81.5596% | 785 |
| Net loans and leases to deposits | 91.6448% | 1,664 |
| Net loans and leases to core deposits | 96.9728% | 2,029 |
| Total domestic deposits to total assets | 88.9953% | 848 |
| Equity capital to assets | 10.7889% | 2,854 |
| Core capital (leverage) ratio | 10.8575% | 2,723 |
| Tier 1 risk-based capital ratio | 12.4225% | 4,238 |
| Total risk-based capital ratio | 13.3825% | 4,317 |
| Memoranda: | ||
| Average total assets | $147,597,000 | 3,449 |
| Average earning assets | $136,362,000 | 3,448 |
| Average equity | $15,587,000 | 3,580 |
| Average total loans | $117,833,000 | 3,045 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8982% | 1,026 |
| Cost of funding earning assets | 0.3855% | 3,832 |
| Net interest margin | 4.5127% | 682 |
| Noninterest income to average assets | 0.4886% | 2,928 |
| Noninterest expense to average assets | 3.3700% | 1,182 |
| Loan and lease loss provision to assets | 0.0407% | 3,097 |
| Net operating income to assets | 0.8836% | 3,534 |
| Return on assets (ROA) | 0.8836% | 3,535 |
| Pretax return on assets | 1.2405% | 2,770 |
| Return on Equity (ROE) | 8.4277% | 3,301 |
| Retained earnings to average equity (ytd only) | 7.1331% | 2,013 |
| Net charge-offs to loans | -0.0361% | 4,807 |
| Credit loss provision to net charge-offs | -142.8571% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4540% | 1,927 |
| Assets per employee ($millions) | 3.3905% | 4,729 |
| Cash dividends to net income (ytd only)* | 15.3610% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 3,636 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 79.2244% | 1,124 |
| Net loans and leases to deposits | 88.8470% | 2,004 |
| Net loans and leases to core deposits | 95.7181% | 2,083 |
| Total domestic deposits to total assets | 89.1695% | 860 |
| Equity capital to assets | 10.5115% | 3,102 |
| Core capital (leverage) ratio | 10.7223% | 2,780 |
| Tier 1 risk-based capital ratio | 12.2362% | 4,352 |
| Total risk-based capital ratio | 13.2037% | 4,402 |
| Memoranda: | ||
| Average total assets | $147,359,330 | 3,473 |
| Average earning assets | $135,927,000 | 3,473 |
| Average equity | $15,449,000 | 3,619 |
| Average total loans | $116,374,000 | 3,080 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7654% | 1,153 |
| Cost of funding earning assets | 0.3461% | 4,022 |
| Net interest margin | 4.4193% | 735 |
| Noninterest income to average assets | 0.4452% | 3,145 |
| Noninterest expense to average assets | 3.4060% | 1,154 |
| Loan and lease loss provision to assets | 0.0410% | 2,938 |
| Net operating income to assets | 0.7566% | 3,887 |
| Return on assets (ROA) | 0.7566% | 3,886 |
| Pretax return on assets | 1.0789% | 3,248 |
| Return on Equity (ROE) | 7.2262% | 3,691 |
| Retained earnings to average equity (ytd only) | 7.2262% | 2,174 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2565% | 1,711 |
| Assets per employee ($millions) | 3.2264% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0380% | 3,741 |
| Loan loss allowance to noncurrent loans | 2,604.3478% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 4,949 |
| Noncurrent loans to loans | 0.0399% | 4,794 |
| Net loans and leases to total assets | 78.6659% | 1,131 |
| Net loans and leases to deposits | 88.4441% | 1,872 |
| Net loans and leases to core deposits | 94.0800% | 2,129 |
| Total domestic deposits to total assets | 88.9441% | 1,119 |
| Equity capital to assets | 10.6261% | 2,944 |
| Core capital (leverage) ratio | 10.7085% | 2,728 |
| Tier 1 risk-based capital ratio | 12.4740% | 4,257 |
| Total risk-based capital ratio | 13.4509% | 4,330 |
| Memoranda: | ||
| Average total assets | $146,449,000 | 3,514 |
| Average earning assets | $135,224,500 | 3,521 |
| Average equity | $15,333,000 | 3,667 |
| Average total loans | $114,851,000 | 3,123 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7205% | 1,149 |
| Cost of funding earning assets | 0.2886% | 4,236 |
| Net interest margin | 4.4319% | 709 |
| Noninterest income to average assets | 0.4573% | 3,263 |
| Noninterest expense to average assets | 3.4712% | 1,086 |
| Loan and lease loss provision to assets | 0.0422% | 3,407 |
| Net operating income to assets | 0.7405% | 3,421 |
| Return on assets (ROA) | 0.7405% | 3,466 |
| Pretax return on assets | 1.0011% | 3,562 |
| Return on Equity (ROE) | 7.1563% | 3,197 |
| Retained earnings to average equity (ytd only) | 6.7625% | 1,170 |
| Net charge-offs to loans | -0.0009% | 4,488 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8908% | 1,500 |
| Assets per employee ($millions) | 3.2824% | 4,952 |
| Cash dividends to net income (ytd only)* | 5.5028% | 4,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 3,711 |
| Loan loss allowance to noncurrent loans | 1,105.6075% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 4,754 |
| Noncurrent loans to loans | 0.0936% | 4,572 |
| Net loans and leases to total assets | 76.5741% | 1,500 |
| Net loans and leases to deposits | 85.7338% | 2,295 |
| Net loans and leases to core deposits | 91.0090% | 2,461 |
| Total domestic deposits to total assets | 89.3161% | 860 |
| Equity capital to assets | 10.3163% | 3,372 |
| Core capital (leverage) ratio | 10.4892% | 2,853 |
| Tier 1 risk-based capital ratio | 12.3149% | 4,321 |
| Total risk-based capital ratio | 13.2863% | 4,386 |
| Memoranda: | ||
| Average total assets | $142,342,200 | 3,578 |
| Average earning assets | $130,304,200 | 3,582 |
| Average equity | $14,728,200 | 3,751 |
| Average total loans | $111,403,600 | 3,157 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6827% | 1,179 |
| Cost of funding earning assets | 0.2719% | 4,388 |
| Net interest margin | 4.4108% | 713 |
| Noninterest income to average assets | 0.4605% | 3,269 |
| Noninterest expense to average assets | 3.5290% | 947 |
| Loan and lease loss provision to assets | 0.0426% | 3,254 |
| Net operating income to assets | 0.6364% | 4,246 |
| Return on assets (ROA) | 0.6364% | 4,304 |
| Pretax return on assets | 0.9238% | 3,955 |
| Return on Equity (ROE) | 6.1456% | 4,057 |
| Retained earnings to average equity (ytd only) | 5.8900% | 2,312 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5023% | 1,263 |
| Assets per employee ($millions) | 3.1843% | 5,089 |
| Cash dividends to net income (ytd only)* | 4.1602% | 3,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 3,931 |
| Loan loss allowance to noncurrent loans | 418.2796% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 4,324 |
| Noncurrent loans to loans | 0.2451% | 4,074 |
| Net loans and leases to total assets | 78.6272% | 1,175 |
| Net loans and leases to deposits | 88.2701% | 2,016 |
| Net loans and leases to core deposits | 95.1958% | 2,154 |
| Total domestic deposits to total assets | 89.0756% | 847 |
| Equity capital to assets | 10.4401% | 3,432 |
| Core capital (leverage) ratio | 10.3762% | 3,105 |
| Tier 1 risk-based capital ratio | 11.9352% | 4,676 |
| Total risk-based capital ratio | 12.8879% | 4,747 |
| Memoranda: | ||
| Average total assets | $141,000,750 | 3,634 |
| Average earning assets | $128,982,250 | 3,632 |
| Average equity | $14,600,750 | 3,803 |
| Average total loans | $110,682,250 | 3,192 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5923% | 1,267 |
| Cost of funding earning assets | 0.2441% | 4,597 |
| Net interest margin | 4.3482% | 766 |
| Noninterest income to average assets | 0.4649% | 3,252 |
| Noninterest expense to average assets | 3.5041% | 1,003 |
| Loan and lease loss provision to assets | 0.0428% | 3,142 |
| Net operating income to assets | 0.6018% | 4,299 |
| Return on assets (ROA) | 0.6018% | 4,344 |
| Pretax return on assets | 0.9070% | 3,908 |
| Return on Equity (ROE) | 5.8283% | 4,122 |
| Retained earnings to average equity (ytd only) | 5.4416% | 2,445 |
| Net charge-offs to loans | 0.0018% | 3,453 |
| Credit loss provision to net charge-offs | 3,000.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 666.0000% | 116 |
| Efficiency ratio | 78.6744% | 1,370 |
| Assets per employee ($millions) | 3.3921% | 4,867 |
| Cash dividends to net income (ytd only)* | 6.6351% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0407% | 3,899 |
| Loan loss allowance to noncurrent loans | 338.5294% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 4,188 |
| Noncurrent loans to loans | 0.3074% | 3,940 |
| Net loans and leases to total assets | 76.8222% | 1,411 |
| Net loans and leases to deposits | 86.1692% | 2,196 |
| Net loans and leases to core deposits | 92.9644% | 2,251 |
| Total domestic deposits to total assets | 89.1527% | 884 |
| Equity capital to assets | 10.3293% | 3,538 |
| Core capital (leverage) ratio | 10.3799% | 3,042 |
| Tier 1 risk-based capital ratio | 12.1479% | 4,530 |
| Total risk-based capital ratio | 13.1224% | 4,607 |
| Memoranda: | ||
| Average total assets | $140,236,330 | 3,658 |
| Average earning assets | $128,650,670 | 3,662 |
| Average equity | $14,481,000 | 3,824 |
| Average total loans | $109,631,330 | 3,229 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5002% | 1,374 |
| Cost of funding earning assets | 0.2132% | 4,855 |
| Net interest margin | 4.2869% | 818 |
| Noninterest income to average assets | 0.4687% | 3,198 |
| Noninterest expense to average assets | 3.5883% | 909 |
| Loan and lease loss provision to assets | 0.0431% | 2,940 |
| Net operating income to assets | 0.5175% | 4,525 |
| Return on assets (ROA) | 0.5175% | 4,557 |
| Pretax return on assets | 0.7677% | 4,222 |
| Return on Equity (ROE) | 5.0127% | 4,386 |
| Retained earnings to average equity (ytd only) | 5.0127% | 2,888 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5686% | 1,196 |
| Assets per employee ($millions) | 3.2910% | 5,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0342% | 4,065 |
| Loan loss allowance to noncurrent loans | 288.5787% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.3208% | 3,908 |
| Noncurrent loans to loans | 0.3584% | 3,806 |
| Net loans and leases to total assets | 76.8873% | 1,280 |
| Net loans and leases to deposits | 85.9971% | 2,032 |
| Net loans and leases to core deposits | 92.0245% | 2,162 |
| Total domestic deposits to total assets | 89.4068% | 942 |
| Equity capital to assets | 10.2208% | 3,493 |
| Core capital (leverage) ratio | 10.4324% | 2,980 |
| Tier 1 risk-based capital ratio | 11.8859% | 4,787 |
| Total risk-based capital ratio | 12.8430% | 4,876 |
| Memoranda: | ||
| Average total assets | $139,120,500 | 3,708 |
| Average earning assets | $127,551,000 | 3,709 |
| Average equity | $14,363,500 | 3,866 |
| Average total loans | $109,148,000 | 3,262 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6310% | 1,206 |
| Cost of funding earning assets | 0.1984% | 5,025 |
| Net interest margin | 4.4326% | 721 |
| Noninterest income to average assets | 0.4221% | 3,730 |
| Noninterest expense to average assets | 3.8408% | 741 |
| Loan and lease loss provision to assets | 0.0784% | 2,798 |
| Net operating income to assets | 0.3721% | 5,029 |
| Return on assets (ROA) | 0.3721% | 5,113 |
| Pretax return on assets | 0.5431% | 4,938 |
| Return on Equity (ROE) | 3.5418% | 4,999 |
| Retained earnings to average equity (ytd only) | 3.5418% | 3,414 |
| Net charge-offs to loans | 0.0047% | 4,086 |
| Credit loss provision to net charge-offs | 2,100.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 166.4000% | 391 |
| Efficiency ratio | 86.0707% | 814 |
| Assets per employee ($millions) | 2.9723% | 5,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 4,106 |
| Loan loss allowance to noncurrent loans | 385.5670% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.2128% | 4,459 |
| Noncurrent loans to loans | 0.2686% | 4,189 |
| Net loans and leases to total assets | 78.4269% | 1,139 |
| Net loans and leases to deposits | 87.8682% | 1,942 |
| Net loans and leases to core deposits | 91.9395% | 2,307 |
| Total domestic deposits to total assets | 89.2552% | 979 |
| Equity capital to assets | 10.4318% | 3,233 |
| Core capital (leverage) ratio | 10.4381% | 2,944 |
| Tier 1 risk-based capital ratio | 12.0212% | 4,716 |
| Total risk-based capital ratio | 12.9833% | 4,810 |
| Memoranda: | ||
| Average total assets | $133,851,800 | 3,771 |
| Average earning assets | $122,004,200 | 3,789 |
| Average equity | $14,060,600 | 3,932 |
| Average total loans | $106,474,000 | 3,266 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6072% | 1,279 |
| Cost of funding earning assets | 0.1944% | 5,128 |
| Net interest margin | 4.4128% | 757 |
| Noninterest income to average assets | 0.4216% | 3,759 |
| Noninterest expense to average assets | 3.9598% | 620 |
| Loan and lease loss provision to assets | 0.0901% | 2,424 |
| Net operating income to assets | 0.2824% | 5,317 |
| Return on assets (ROA) | 0.2824% | 5,401 |
| Pretax return on assets | 0.3956% | 5,313 |
| Return on Equity (ROE) | 2.6837% | 5,307 |
| Retained earnings to average equity (ytd only) | 2.6837% | 4,297 |
| Net charge-offs to loans | 0.0101% | 3,575 |
| Credit loss provision to net charge-offs | 1,125.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 60.6045% | 950 |
| Efficiency ratio | 89.0741% | 610 |
| Assets per employee ($millions) | 2.8661% | 5,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0127% | 4,336 |
| Loan loss allowance to noncurrent loans | 335.5623% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.2969% | 4,230 |
| Noncurrent loans to loans | 0.3018% | 4,168 |
| Net loans and leases to total assets | 80.1045% | 878 |
| Net loans and leases to deposits | 89.8320% | 1,782 |
| Net loans and leases to core deposits | 94.9936% | 2,105 |
| Total domestic deposits to total assets | 89.1715% | 814 |
| Equity capital to assets | 10.5004% | 3,567 |
| Core capital (leverage) ratio | 10.4111% | 3,100 |
| Tier 1 risk-based capital ratio | 11.7049% | 4,977 |
| Total risk-based capital ratio | 12.6540% | 5,049 |
| Memoranda: | ||
| Average total assets | $133,133,250 | 3,804 |
| Average earning assets | $121,400,250 | 3,824 |
| Average equity | $14,010,000 | 3,970 |
| Average total loans | $106,004,500 | 3,287 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5915% | 1,284 |
| Cost of funding earning assets | 0.1910% | 5,231 |
| Net interest margin | 4.4005% | 767 |
| Noninterest income to average assets | 0.4087% | 3,812 |
| Noninterest expense to average assets | 3.8655% | 703 |
| Loan and lease loss provision to assets | 0.0905% | 2,338 |
| Net operating income to assets | 0.3152% | 5,277 |
| Return on assets (ROA) | 0.3152% | 5,366 |
| Pretax return on assets | 0.4494% | 5,247 |
| Return on Equity (ROE) | 2.9932% | 5,248 |
| Retained earnings to average equity (ytd only) | 2.9932% | 4,011 |
| Net charge-offs to loans | 0.0267% | 2,944 |
| Credit loss provision to net charge-offs | 428.5714% | 740 |
| Earnings coverage of net charge-offs (x) | 25.5714% | 1,507 |
| Efficiency ratio | 87.7439% | 738 |
| Assets per employee ($millions) | 2.7995% | 5,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 4,505 |
| Loan loss allowance to noncurrent loans | 617.3410% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 4,982 |
| Noncurrent loans to loans | 0.1623% | 4,791 |
| Net loans and leases to total assets | 80.1870% | 870 |
| Net loans and leases to deposits | 90.1422% | 1,741 |
| Net loans and leases to core deposits | 93.0774% | 2,252 |
| Total domestic deposits to total assets | 88.9561% | 936 |
| Equity capital to assets | 10.7080% | 3,392 |
| Core capital (leverage) ratio | 10.3812% | 3,099 |
| Tier 1 risk-based capital ratio | 11.8800% | 4,921 |
| Total risk-based capital ratio | 12.8163% | 5,003 |
| Memoranda: | ||
| Average total assets | $132,608,000 | 3,837 |
| Average earning assets | $120,440,330 | 3,867 |
| Average equity | $13,965,000 | 3,998 |
| Average total loans | $105,002,000 | 3,322 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5447% | 1,385 |
| Cost of funding earning assets | 0.1829% | 5,352 |
| Net interest margin | 4.3618% | 809 |
| Noninterest income to average assets | 0.4237% | 3,658 |
| Noninterest expense to average assets | 3.8190% | 751 |
| Loan and lease loss provision to assets | 0.0901% | 2,175 |
| Net operating income to assets | 0.3215% | 5,237 |
| Return on assets (ROA) | 0.3215% | 5,319 |
| Pretax return on assets | 0.4567% | 5,197 |
| Return on Equity (ROE) | 3.0785% | 5,205 |
| Retained earnings to average equity (ytd only) | 3.0785% | 3,974 |
| Net charge-offs to loans | -0.0154% | 4,729 |
| Credit loss provision to net charge-offs | -750.0000% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4742% | 850 |
| Assets per employee ($millions) | 2.9532% | 5,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9944% | 4,641 |
| Loan loss allowance to noncurrent loans | 522.7723% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.2363% | 4,611 |
| Noncurrent loans to loans | 0.1902% | 4,729 |
| Net loans and leases to total assets | 79.1115% | 935 |
| Net loans and leases to deposits | 88.6520% | 1,744 |
| Net loans and leases to core deposits | 90.7346% | 2,302 |
| Total domestic deposits to total assets | 89.2382% | 977 |
| Equity capital to assets | 10.5082% | 3,482 |
| Core capital (leverage) ratio | 10.3631% | 3,113 |
| Tier 1 risk-based capital ratio | 11.8248% | 5,034 |
| Total risk-based capital ratio | 12.7532% | 5,140 |
| Memoranda: | ||
| Average total assets | $133,124,500 | 3,860 |
| Average earning assets | $120,316,500 | 3,901 |
| Average equity | $13,903,000 | 4,019 |
| Average total loans | $104,216,000 | 3,349 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5336% | 1,506 |
| Cost of funding earning assets | 0.1752% | 5,499 |
| Net interest margin | 4.3585% | 862 |
| Noninterest income to average assets | 0.4748% | 3,501 |
| Noninterest expense to average assets | 4.0675% | 616 |
| Loan and lease loss provision to assets | 0.3403% | 448 |
| Net operating income to assets | 0.0313% | 5,843 |
| Return on assets (ROA) | 0.0462% | 5,854 |
| Pretax return on assets | 0.0133% | 5,879 |
| Return on Equity (ROE) | 0.4243% | 5,851 |
| Retained earnings to average equity (ytd only) | 0.4243% | 5,349 |
| Net charge-offs to loans | 0.1497% | 1,870 |
| Credit loss provision to net charge-offs | 295.9184% | 1,001 |
| Earnings coverage of net charge-offs (x) | 2.9456% | 3,803 |
| Efficiency ratio | 92.3132% | 556 |
| Assets per employee ($millions) | 2.8990% | 5,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 4,624 |
| Loan loss allowance to noncurrent loans | 256.7839% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.2985% | 4,407 |
| Noncurrent loans to loans | 0.3893% | 4,057 |
| Net loans and leases to total assets | 75.9023% | 1,439 |
| Net loans and leases to deposits | 84.9358% | 2,252 |
| Net loans and leases to core deposits | 87.5346% | 2,646 |
| Total domestic deposits to total assets | 89.3643% | 929 |
| Equity capital to assets | 10.3792% | 3,521 |
| Core capital (leverage) ratio | 10.6414% | 2,784 |
| Tier 1 risk-based capital ratio | 12.1175% | 4,877 |
| Total risk-based capital ratio | 13.0364% | 4,999 |
| Memoranda: | ||
| Average total assets | $127,842,000 | 3,938 |
| Average earning assets | $115,315,600 | 3,977 |
| Average equity | $13,906,800 | 3,993 |
| Average total loans | $98,216,000 | 3,417 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5327% | 1,503 |
| Cost of funding earning assets | 0.1751% | 5,589 |
| Net interest margin | 4.3575% | 863 |
| Noninterest income to average assets | 0.4439% | 3,764 |
| Noninterest expense to average assets | 3.9357% | 714 |
| Loan and lease loss provision to assets | 0.0211% | 3,854 |
| Net operating income to assets | 0.2949% | 5,467 |
| Return on assets (ROA) | 0.3089% | 5,513 |
| Pretax return on assets | 0.4418% | 5,366 |
| Return on Equity (ROE) | 2.8058% | 5,453 |
| Retained earnings to average equity (ytd only) | 2.8058% | 4,437 |
| Net charge-offs to loans | 0.2044% | 1,268 |
| Credit loss provision to net charge-offs | 13.4228% | 3,421 |
| Earnings coverage of net charge-offs (x) | 2.8188% | 3,598 |
| Efficiency ratio | 89.8868% | 711 |
| Assets per employee ($millions) | 2.6560% | 5,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6036% | 5,885 |
| Loan loss allowance to noncurrent loans | 88.9706% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 0.5447% | 3,669 |
| Noncurrent loans to loans | 0.6785% | 3,288 |
| Net loans and leases to total assets | 79.8037% | 845 |
| Net loans and leases to deposits | 90.4575% | 1,588 |
| Net loans and leases to core deposits | 92.8589% | 2,182 |
| Total domestic deposits to total assets | 88.2224% | 1,440 |
| Equity capital to assets | 11.2865% | 2,714 |
| Core capital (leverage) ratio | 11.0667% | 2,416 |
| Tier 1 risk-based capital ratio | 12.5707% | 4,701 |
| Total risk-based capital ratio | 13.1244% | 5,076 |
| Memoranda: | ||
| Average total assets | $126,464,250 | 4,001 |
| Average earning assets | $114,190,000 | 4,038 |
| Average equity | $13,923,250 | 4,037 |
| Average total loans | $97,210,000 | 3,466 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4563% | 1,674 |
| Cost of funding earning assets | 0.1731% | 5,665 |
| Net interest margin | 4.2832% | 955 |
| Noninterest income to average assets | 0.4519% | 3,691 |
| Noninterest expense to average assets | 3.9635% | 705 |
| Loan and lease loss provision to assets | 0.0079% | 3,949 |
| Net operating income to assets | 0.2459% | 5,589 |
| Return on assets (ROA) | 0.2677% | 5,619 |
| Pretax return on assets | 0.3685% | 5,542 |
| Return on Equity (ROE) | 2.4517% | 5,578 |
| Retained earnings to average equity (ytd only) | 2.4517% | 4,491 |
| Net charge-offs to loans | -0.0333% | 5,367 |
| Credit loss provision to net charge-offs | -31.2500% | 4,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9620% | 641 |
| Assets per employee ($millions) | 2.5591% | 5,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7727% | 5,662 |
| Loan loss allowance to noncurrent loans | 102.3035% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 0.6977% | 3,308 |
| Noncurrent loans to loans | 0.7553% | 3,225 |
| Net loans and leases to total assets | 78.9236% | 949 |
| Net loans and leases to deposits | 89.3646% | 1,679 |
| Net loans and leases to core deposits | 90.2767% | 2,317 |
| Total domestic deposits to total assets | 88.3164% | 1,488 |
| Equity capital to assets | 11.3531% | 2,525 |
| Core capital (leverage) ratio | 11.2653% | 2,194 |
| Tier 1 risk-based capital ratio | 12.9104% | 4,569 |
| Total risk-based capital ratio | 13.6111% | 4,804 |
| Memoranda: | ||
| Average total assets | $127,009,000 | 4,022 |
| Average earning assets | $114,399,330 | 4,063 |
| Average equity | $13,868,000 | 4,067 |
| Average total loans | $96,205,330 | 3,506 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3467% | 1,952 |
| Cost of funding earning assets | 0.1726% | 5,752 |
| Net interest margin | 4.1741% | 1,118 |
| Noninterest income to average assets | 0.4307% | 3,761 |
| Noninterest expense to average assets | 3.9444% | 731 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1487% | 5,793 |
| Return on assets (ROA) | 0.1487% | 5,865 |
| Pretax return on assets | 0.2324% | 5,783 |
| Return on Equity (ROE) | 1.3884% | 5,831 |
| Retained earnings to average equity (ytd only) | 1.3884% | 4,930 |
| Net charge-offs to loans | -0.0251% | 5,155 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4362% | 576 |
| Assets per employee ($millions) | 2.6591% | 5,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7536% | 5,803 |
| Loan loss allowance to noncurrent loans | 119.1626% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 4,080 |
| Noncurrent loans to loans | 0.6324% | 3,695 |
| Net loans and leases to total assets | 76.3548% | 1,165 |
| Net loans and leases to deposits | 85.9561% | 1,839 |
| Net loans and leases to core deposits | 86.7943% | 2,460 |
| Total domestic deposits to total assets | 88.8300% | 1,374 |
| Equity capital to assets | 10.8589% | 3,130 |
| Core capital (leverage) ratio | 11.0281% | 2,386 |
| Tier 1 risk-based capital ratio | 12.9686% | 4,620 |
| Total risk-based capital ratio | 13.6646% | 4,878 |
| Memoranda: | ||
| Average total assets | $129,094,000 | 4,006 |
| Average earning assets | $115,857,000 | 4,066 |
| Average equity | $13,829,000 | 4,097 |
| Average total loans | $95,456,000 | 3,535 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3417% | 2,453 |
| Cost of funding earning assets | 0.2019% | 5,726 |
| Net interest margin | 4.1398% | 1,464 |
| Noninterest income to average assets | 0.4397% | 3,905 |
| Noninterest expense to average assets | 3.6243% | 1,261 |
| Loan and lease loss provision to assets | 0.0802% | 2,879 |
| Net operating income to assets | 0.3368% | 5,421 |
| Return on assets (ROA) | 0.3434% | 5,466 |
| Pretax return on assets | 0.4959% | 5,266 |
| Return on Equity (ROE) | 3.1477% | 5,424 |
| Retained earnings to average equity (ytd only) | 3.1477% | 3,998 |
| Net charge-offs to loans | -0.1804% | 6,244 |
| Credit loss provision to net charge-offs | -62.1118% | 5,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4829% | 1,123 |
| Assets per employee ($millions) | 2.7198% | 6,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7917% | 5,798 |
| Loan loss allowance to noncurrent loans | 253.9792% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 5,138 |
| Noncurrent loans to loans | 0.3117% | 4,723 |
| Net loans and leases to total assets | 70.4560% | 2,162 |
| Net loans and leases to deposits | 78.9726% | 2,837 |
| Net loans and leases to core deposits | 79.3781% | 3,368 |
| Total domestic deposits to total assets | 89.2157% | 1,111 |
| Equity capital to assets | 10.5690% | 3,398 |
| Core capital (leverage) ratio | 10.9911% | 2,417 |
| Tier 1 risk-based capital ratio | 13.5628% | 4,376 |
| Total risk-based capital ratio | 14.2873% | 4,619 |
| Memoranda: | ||
| Average total assets | $124,632,600 | 4,088 |
| Average earning assets | $112,927,200 | 4,114 |
| Average equity | $13,597,200 | 4,089 |
| Average total loans | $89,233,600 | 3,647 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2350% | 2,864 |
| Cost of funding earning assets | 0.2066% | 5,766 |
| Net interest margin | 4.0284% | 1,793 |
| Noninterest income to average assets | 0.4558% | 3,850 |
| Noninterest expense to average assets | 3.5521% | 1,372 |
| Loan and lease loss provision to assets | 0.0974% | 2,418 |
| Net operating income to assets | 0.3331% | 5,483 |
| Return on assets (ROA) | 0.3421% | 5,526 |
| Pretax return on assets | 0.4926% | 5,339 |
| Return on Equity (ROE) | 3.1101% | 5,500 |
| Retained earnings to average equity (ytd only) | 3.1101% | 4,410 |
| Net charge-offs to loans | -0.0438% | 5,860 |
| Credit loss provision to net charge-offs | -310.3448% | 5,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0252% | 1,182 |
| Assets per employee ($millions) | 2.5841% | 6,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6596% | 6,153 |
| Loan loss allowance to noncurrent loans | 42.1652% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 1.1319% | 2,689 |
| Noncurrent loans to loans | 1.5642% | 2,080 |
| Net loans and leases to total assets | 71.8866% | 1,874 |
| Net loans and leases to deposits | 81.1124% | 2,531 |
| Net loans and leases to core deposits | 81.9292% | 3,104 |
| Total domestic deposits to total assets | 88.6260% | 1,435 |
| Equity capital to assets | 11.0491% | 2,901 |
| Core capital (leverage) ratio | 11.2403% | 2,271 |
| Tier 1 risk-based capital ratio | 14.0260% | 4,195 |
| Total risk-based capital ratio | 14.6352% | 4,549 |
| Memoranda: | ||
| Average total assets | $123,153,000 | 4,154 |
| Average earning assets | $112,300,000 | 4,162 |
| Average equity | $13,547,000 | 4,120 |
| Average total loans | $88,363,250 | 3,696 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1992% | 2,955 |
| Cost of funding earning assets | 0.2099% | 5,825 |
| Net interest margin | 3.9893% | 1,841 |
| Noninterest income to average assets | 0.4623% | 3,770 |
| Noninterest expense to average assets | 3.5602% | 1,368 |
| Loan and lease loss provision to assets | 0.0977% | 2,400 |
| Net operating income to assets | 0.3200% | 5,495 |
| Return on assets (ROA) | 0.3337% | 5,524 |
| Pretax return on assets | 0.4753% | 5,346 |
| Return on Equity (ROE) | 3.0383% | 5,518 |
| Retained earnings to average equity (ytd only) | 3.0383% | 4,274 |
| Net charge-offs to loans | -0.0523% | 5,896 |
| Credit loss provision to net charge-offs | -260.8696% | 5,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5453% | 1,218 |
| Assets per employee ($millions) | 2.5484% | 6,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6265% | 6,276 |
| Loan loss allowance to noncurrent loans | 37.4411% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 1.2398% | 2,623 |
| Noncurrent loans to loans | 1.6733% | 2,073 |
| Net loans and leases to total assets | 73.6316% | 1,487 |
| Net loans and leases to deposits | 83.3614% | 2,104 |
| Net loans and leases to core deposits | 84.2324% | 2,716 |
| Total domestic deposits to total assets | 88.3282% | 1,722 |
| Equity capital to assets | 11.3629% | 2,539 |
| Core capital (leverage) ratio | 11.2460% | 2,206 |
| Tier 1 risk-based capital ratio | 14.1377% | 4,164 |
| Total risk-based capital ratio | 14.7191% | 4,545 |
| Memoranda: | ||
| Average total assets | $122,858,330 | 4,181 |
| Average earning assets | $112,450,670 | 4,178 |
| Average equity | $13,494,330 | 4,134 |
| Average total loans | $87,898,330 | 3,718 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0960% | 3,301 |
| Cost of funding earning assets | 0.2097% | 5,919 |
| Net interest margin | 3.8863% | 2,134 |
| Noninterest income to average assets | 0.4341% | 3,914 |
| Noninterest expense to average assets | 3.5499% | 1,398 |
| Loan and lease loss provision to assets | 0.0965% | 2,317 |
| Net operating income to assets | 0.2701% | 5,598 |
| Return on assets (ROA) | 0.2701% | 5,642 |
| Pretax return on assets | 0.3633% | 5,563 |
| Return on Equity (ROE) | 2.5007% | 5,624 |
| Retained earnings to average equity (ytd only) | 2.5007% | 4,569 |
| Net charge-offs to loans | -0.0366% | 5,671 |
| Credit loss provision to net charge-offs | -375.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5325% | 1,173 |
| Assets per employee ($millions) | 2.5810% | 6,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5780% | 6,436 |
| Loan loss allowance to noncurrent loans | 33.5522% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 1.2293% | 2,798 |
| Noncurrent loans to loans | 1.7227% | 2,249 |
| Net loans and leases to total assets | 70.9496% | 1,729 |
| Net loans and leases to deposits | 79.9087% | 2,302 |
| Net loans and leases to core deposits | 80.7115% | 2,887 |
| Total domestic deposits to total assets | 88.7883% | 1,781 |
| Equity capital to assets | 10.8848% | 2,844 |
| Core capital (leverage) ratio | 10.9975% | 2,393 |
| Tier 1 risk-based capital ratio | 14.3060% | 4,124 |
| Total risk-based capital ratio | 14.8516% | 4,562 |
| Memoranda: | ||
| Average total assets | $124,399,500 | 4,186 |
| Average earning assets | $114,452,500 | 4,169 |
| Average equity | $13,436,500 | 4,161 |
| Average total loans | $87,473,000 | 3,762 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2394% | 3,194 |
| Cost of funding earning assets | 0.2542% | 5,937 |
| Net interest margin | 3.9852% | 1,991 |
| Noninterest income to average assets | 0.5090% | 3,698 |
| Noninterest expense to average assets | 3.4982% | 1,655 |
| Loan and lease loss provision to assets | 0.0738% | 3,637 |
| Net operating income to assets | 0.4080% | 5,121 |
| Return on assets (ROA) | 0.4180% | 5,198 |
| Pretax return on assets | 0.6139% | 4,827 |
| Return on Equity (ROE) | 3.6277% | 5,270 |
| Retained earnings to average equity (ytd only) | -3.6632% | 6,307 |
| Net charge-offs to loans | 0.2243% | 2,669 |
| Credit loss provision to net charge-offs | 48.1283% | 3,859 |
| Earnings coverage of net charge-offs (x) | 4.3904% | 3,580 |
| Efficiency ratio | 83.8672% | 1,641 |
| Assets per employee ($millions) | 2.5492% | 6,364 |
| Cash dividends to net income (ytd only)* | 200.9804% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5466% | 6,529 |
| Loan loss allowance to noncurrent loans | 29.9178% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 1.2657% | 2,883 |
| Noncurrent loans to loans | 1.8270% | 2,201 |
| Net loans and leases to total assets | 68.9003% | 2,192 |
| Net loans and leases to deposits | 77.4444% | 2,794 |
| Net loans and leases to core deposits | 77.8606% | 3,383 |
| Total domestic deposits to total assets | 88.9673% | 1,652 |
| Equity capital to assets | 10.7180% | 2,915 |
| Core capital (leverage) ratio | 11.0483% | 2,344 |
| Tier 1 risk-based capital ratio | 14.3822% | 4,026 |
| Total risk-based capital ratio | 14.8931% | 4,502 |
| Memoranda: | ||
| Average total assets | $122,004,200 | 4,239 |
| Average earning assets | $112,116,000 | 4,218 |
| Average equity | $14,058,600 | 4,055 |
| Average total loans | $83,352,600 | 3,841 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2550% | 3,177 |
| Cost of funding earning assets | 0.2632% | 6,002 |
| Net interest margin | 3.9918% | 1,973 |
| Noninterest income to average assets | 0.4705% | 3,997 |
| Noninterest expense to average assets | 3.5950% | 1,409 |
| Loan and lease loss provision to assets | 0.0660% | 3,739 |
| Net operating income to assets | 0.3241% | 5,522 |
| Return on assets (ROA) | 0.3375% | 5,604 |
| Pretax return on assets | 0.4980% | 5,361 |
| Return on Equity (ROE) | 2.8772% | 5,648 |
| Retained earnings to average equity (ytd only) | 2.6429% | 4,743 |
| Net charge-offs to loans | 0.2988% | 2,043 |
| Credit loss provision to net charge-offs | 32.4324% | 3,848 |
| Earnings coverage of net charge-offs (x) | 2.6757% | 3,944 |
| Efficiency ratio | 86.8526% | 1,278 |
| Assets per employee ($millions) | 2.3305% | 6,578 |
| Cash dividends to net income (ytd only)* | 8.1428% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5250% | 6,637 |
| Loan loss allowance to noncurrent loans | 32.6965% | 5,881 |
| Noncurrent assets plus other real estate owned to assets | 1.1451% | 3,367 |
| Noncurrent loans to loans | 1.6056% | 2,766 |
| Net loans and leases to total assets | 70.9433% | 1,795 |
| Net loans and leases to deposits | 80.9538% | 2,269 |
| Net loans and leases to core deposits | 81.4181% | 2,945 |
| Total domestic deposits to total assets | 87.6344% | 2,340 |
| Equity capital to assets | 11.9979% | 1,916 |
| Core capital (leverage) ratio | 11.8340% | 1,787 |
| Tier 1 risk-based capital ratio | 15.3949% | 3,517 |
| Total risk-based capital ratio | 15.8804% | 3,941 |
| Memoranda: | ||
| Average total assets | $121,277,500 | 4,295 |
| Average earning assets | $111,459,250 | 4,272 |
| Average equity | $14,226,250 | 4,073 |
| Average total loans | $82,556,500 | 3,894 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2176% | 3,293 |
| Cost of funding earning assets | 0.2713% | 6,039 |
| Net interest margin | 3.9463% | 2,060 |
| Noninterest income to average assets | 0.4865% | 3,920 |
| Noninterest expense to average assets | 3.6270% | 1,372 |
| Loan and lease loss provision to assets | 0.0491% | 3,998 |
| Net operating income to assets | 0.2961% | 5,615 |
| Return on assets (ROA) | 0.3162% | 5,694 |
| Pretax return on assets | 0.4620% | 5,488 |
| Return on Equity (ROE) | 2.7154% | 5,717 |
| Retained earnings to average equity (ytd only) | 2.3637% | 4,790 |
| Net charge-offs to loans | -0.0269% | 6,065 |
| Credit loss provision to net charge-offs | -272.7273% | 5,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2775% | 1,195 |
| Assets per employee ($millions) | 2.3536% | 6,610 |
| Cash dividends to net income (ytd only)* | 12.9534% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7419% | 6,443 |
| Loan loss allowance to noncurrent loans | 66.5577% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 0.9497% | 3,887 |
| Noncurrent loans to loans | 1.1147% | 3,699 |
| Net loans and leases to total assets | 68.1004% | 2,209 |
| Net loans and leases to deposits | 77.4930% | 2,641 |
| Net loans and leases to core deposits | 77.9311% | 3,299 |
| Total domestic deposits to total assets | 87.8795% | 2,333 |
| Equity capital to assets | 11.8131% | 2,034 |
| Core capital (leverage) ratio | 11.8100% | 1,717 |
| Tier 1 risk-based capital ratio | 15.6958% | 3,368 |
| Total risk-based capital ratio | 16.3809% | 3,653 |
| Memoranda: | ||
| Average total assets | $122,085,330 | 4,301 |
| Average earning assets | $112,055,000 | 4,289 |
| Average equity | $14,215,000 | 4,108 |
| Average total loans | $81,820,670 | 3,929 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1612% | 3,463 |
| Cost of funding earning assets | 0.2838% | 6,080 |
| Net interest margin | 3.8774% | 2,190 |
| Noninterest income to average assets | 0.4874% | 3,866 |
| Noninterest expense to average assets | 3.6878% | 1,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2502% | 5,727 |
| Return on assets (ROA) | 0.2502% | 5,848 |
| Pretax return on assets | 0.3509% | 5,714 |
| Return on Equity (ROE) | 2.1641% | 5,882 |
| Retained earnings to average equity (ytd only) | 2.1641% | 4,917 |
| Net charge-offs to loans | -0.0392% | 6,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3113% | 1,043 |
| Assets per employee ($millions) | 2.3489% | 6,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7019% | 6,598 |
| Loan loss allowance to noncurrent loans | 50.4363% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 0.9383% | 4,052 |
| Noncurrent loans to loans | 1.3916% | 3,481 |
| Net loans and leases to total assets | 66.9483% | 2,209 |
| Net loans and leases to deposits | 76.1853% | 2,609 |
| Net loans and leases to core deposits | 76.6086% | 3,245 |
| Total domestic deposits to total assets | 87.8756% | 2,400 |
| Equity capital to assets | 11.6618% | 2,283 |
| Core capital (leverage) ratio | 11.5831% | 1,824 |
| Tier 1 risk-based capital ratio | 15.7819% | 3,385 |
| Total risk-based capital ratio | 16.4380% | 3,664 |
| Memoranda: | ||
| Average total assets | $123,110,000 | 4,328 |
| Average earning assets | $112,757,000 | 4,312 |
| Average equity | $14,232,500 | 4,155 |
| Average total loans | $81,553,000 | 3,969 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4609% | 3,565 |
| Cost of funding earning assets | 0.4230% | 5,765 |
| Net interest margin | 4.0379% | 2,243 |
| Noninterest income to average assets | 0.4562% | 4,208 |
| Noninterest expense to average assets | 3.5827% | 1,648 |
| Loan and lease loss provision to assets | 0.0643% | 4,957 |
| Net operating income to assets | 0.3937% | 5,125 |
| Return on assets (ROA) | 0.3707% | 5,448 |
| Pretax return on assets | 0.5485% | 5,140 |
| Return on Equity (ROE) | 3.1190% | 5,506 |
| Retained earnings to average equity (ytd only) | 2.7629% | 4,294 |
| Net charge-offs to loans | 0.0734% | 4,949 |
| Credit loss provision to net charge-offs | 131.0345% | 2,136 |
| Earnings coverage of net charge-offs (x) | 13.1724% | 1,854 |
| Efficiency ratio | 84.7108% | 1,544 |
| Assets per employee ($millions) | 2.3411% | 6,748 |
| Cash dividends to net income (ytd only)* | 11.4155% | 4,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7058% | 6,628 |
| Loan loss allowance to noncurrent loans | 51.3051% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 0.8954% | 4,255 |
| Noncurrent loans to loans | 1.3757% | 3,534 |
| Net loans and leases to total assets | 64.6255% | 2,793 |
| Net loans and leases to deposits | 73.4008% | 3,194 |
| Net loans and leases to core deposits | 73.8001% | 3,810 |
| Total domestic deposits to total assets | 88.0446% | 2,211 |
| Equity capital to assets | 11.4613% | 2,485 |
| Core capital (leverage) ratio | 11.5928% | 1,810 |
| Tier 1 risk-based capital ratio | 15.6973% | 3,319 |
| Total risk-based capital ratio | 16.3443% | 3,617 |
| Memoranda: | ||
| Average total assets | $118,150,600 | 4,396 |
| Average earning assets | $110,404,200 | 4,330 |
| Average equity | $14,043,000 | 4,149 |
| Average total loans | $79,026,000 | 4,068 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3751% | 4,155 |
| Cost of funding earning assets | 0.4501% | 5,797 |
| Net interest margin | 3.9249% | 2,823 |
| Noninterest income to average assets | 0.4628% | 4,191 |
| Noninterest expense to average assets | 3.6238% | 1,514 |
| Loan and lease loss provision to assets | 0.0526% | 5,094 |
| Net operating income to assets | 0.3314% | 5,503 |
| Return on assets (ROA) | 0.3314% | 5,710 |
| Pretax return on assets | 0.4834% | 5,509 |
| Return on Equity (ROE) | 2.7622% | 5,768 |
| Retained earnings to average equity (ytd only) | 2.5240% | 5,053 |
| Net charge-offs to loans | 0.0424% | 5,060 |
| Credit loss provision to net charge-offs | 184.0000% | 1,507 |
| Earnings coverage of net charge-offs (x) | 18.7615% | 1,533 |
| Efficiency ratio | 87.1154% | 1,289 |
| Assets per employee ($millions) | 2.2412% | 6,900 |
| Cash dividends to net income (ytd only)* | 8.6200% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7161% | 6,733 |
| Loan loss allowance to noncurrent loans | 47.1993% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 1.8554% | 2,854 |
| Noncurrent loans to loans | 1.5173% | 3,509 |
| Net loans and leases to total assets | 66.8766% | 2,488 |
| Net loans and leases to deposits | 76.4589% | 2,915 |
| Net loans and leases to core deposits | 76.8970% | 3,617 |
| Total domestic deposits to total assets | 87.4674% | 2,370 |
| Equity capital to assets | 11.9147% | 2,341 |
| Core capital (leverage) ratio | 11.7309% | 1,823 |
| Tier 1 risk-based capital ratio | 15.9526% | 3,290 |
| Total risk-based capital ratio | 16.6204% | 3,569 |
| Memoranda: | ||
| Average total assets | $116,668,750 | 4,472 |
| Average earning assets | $109,893,000 | 4,389 |
| Average equity | $13,998,500 | 4,191 |
| Average total loans | $78,593,500 | 4,123 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3075% | 4,540 |
| Cost of funding earning assets | 0.4754% | 5,794 |
| Net interest margin | 3.8321% | 3,212 |
| Noninterest income to average assets | 0.4605% | 4,203 |
| Noninterest expense to average assets | 3.6270% | 1,521 |
| Loan and lease loss provision to assets | 0.0276% | 5,325 |
| Net operating income to assets | 0.2932% | 5,643 |
| Return on assets (ROA) | 0.2932% | 5,846 |
| Pretax return on assets | 0.4208% | 5,657 |
| Return on Equity (ROE) | 2.4378% | 5,901 |
| Retained earnings to average equity (ytd only) | 2.0793% | 5,159 |
| Net charge-offs to loans | 0.1357% | 3,846 |
| Credit loss provision to net charge-offs | 30.1887% | 4,440 |
| Earnings coverage of net charge-offs (x) | 4.9057% | 2,960 |
| Efficiency ratio | 88.9970% | 1,146 |
| Assets per employee ($millions) | 2.1817% | 6,980 |
| Cash dividends to net income (ytd only)* | 14.7059% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6500% | 6,882 |
| Loan loss allowance to noncurrent loans | 36.4731% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 2.0388% | 2,737 |
| Noncurrent loans to loans | 1.7822% | 3,247 |
| Net loans and leases to total assets | 66.8107% | 2,503 |
| Net loans and leases to deposits | 76.3229% | 2,940 |
| Net loans and leases to core deposits | 76.7628% | 3,687 |
| Total domestic deposits to total assets | 87.5369% | 2,444 |
| Equity capital to assets | 11.8986% | 2,223 |
| Core capital (leverage) ratio | 11.8442% | 1,689 |
| Tier 1 risk-based capital ratio | 16.2508% | 3,030 |
| Total risk-based capital ratio | 16.8668% | 3,341 |
| Memoranda: | ||
| Average total assets | $115,963,000 | 4,508 |
| Average earning assets | $109,391,330 | 4,423 |
| Average equity | $13,947,000 | 4,206 |
| Average total loans | $78,120,330 | 4,152 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2668% | 4,863 |
| Cost of funding earning assets | 0.5020% | 5,807 |
| Net interest margin | 3.7648% | 3,542 |
| Noninterest income to average assets | 0.4798% | 4,065 |
| Noninterest expense to average assets | 3.6822% | 1,408 |
| Loan and lease loss provision to assets | 0.0070% | 5,194 |
| Net operating income to assets | 0.2434% | 5,846 |
| Return on assets (ROA) | 0.2434% | 5,990 |
| Pretax return on assets | 0.3373% | 5,887 |
| Return on Equity (ROE) | 2.0127% | 6,072 |
| Retained earnings to average equity (ytd only) | 2.0127% | 5,260 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4508% | 980 |
| Assets per employee ($millions) | 2.1574% | 7,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6945% | 6,882 |
| Loan loss allowance to noncurrent loans | 40.8856% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 2.0129% | 2,878 |
| Noncurrent loans to loans | 1.6987% | 3,560 |
| Net loans and leases to total assets | 67.9940% | 2,121 |
| Net loans and leases to deposits | 77.7177% | 2,569 |
| Net loans and leases to core deposits | 78.1710% | 3,302 |
| Total domestic deposits to total assets | 87.4884% | 2,660 |
| Equity capital to assets | 11.9571% | 2,077 |
| Core capital (leverage) ratio | 12.0919% | 1,537 |
| Tier 1 risk-based capital ratio | 16.0507% | 3,151 |
| Total risk-based capital ratio | 16.7088% | 3,440 |
| Memoranda: | ||
| Average total assets | $115,038,500 | 4,564 |
| Average earning assets | $108,371,000 | 4,473 |
| Average equity | $13,911,500 | 4,220 |
| Average total loans | $77,567,500 | 4,197 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7387% | 4,083 |
| Cost of funding earning assets | 0.6375% | 5,885 |
| Net interest margin | 4.1012% | 2,422 |
| Noninterest income to average assets | 0.4687% | 4,067 |
| Noninterest expense to average assets | 3.6676% | 1,601 |
| Loan and lease loss provision to assets | 0.0119% | 6,388 |
| Net operating income to assets | 0.4448% | 4,672 |
| Return on assets (ROA) | 0.4448% | 4,877 |
| Pretax return on assets | 0.6617% | 4,466 |
| Return on Equity (ROE) | 3.5590% | 5,045 |
| Retained earnings to average equity (ytd only) | 3.1914% | 3,947 |
| Net charge-offs to loans | 0.2449% | 4,248 |
| Credit loss provision to net charge-offs | 7.1038% | 6,029 |
| Earnings coverage of net charge-offs (x) | 4.0055% | 3,304 |
| Efficiency ratio | 84.4835% | 1,710 |
| Assets per employee ($millions) | 2.1430% | 7,103 |
| Cash dividends to net income (ytd only)* | 10.3306% | 3,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7324% | 6,856 |
| Loan loss allowance to noncurrent loans | 104.5455% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 1.3365% | 3,997 |
| Noncurrent loans to loans | 0.7006% | 5,296 |
| Net loans and leases to total assets | 65.8725% | 2,813 |
| Net loans and leases to deposits | 75.5465% | 3,251 |
| Net loans and leases to core deposits | 75.7692% | 4,015 |
| Total domestic deposits to total assets | 87.1946% | 2,647 |
| Equity capital to assets | 12.2322% | 1,949 |
| Core capital (leverage) ratio | 12.3427% | 1,420 |
| Tier 1 risk-based capital ratio | 16.7083% | 2,730 |
| Total risk-based capital ratio | 17.3945% | 2,940 |
| Memoranda: | ||
| Average total assets | $108,817,600 | 4,672 |
| Average earning assets | $102,749,800 | 4,568 |
| Average equity | $13,599,200 | 4,217 |
| Average total loans | $74,734,600 | 4,324 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7756% | 4,119 |
| Cost of funding earning assets | 0.6611% | 5,976 |
| Net interest margin | 4.1145% | 2,415 |
| Noninterest income to average assets | 0.4757% | 4,078 |
| Noninterest expense to average assets | 3.6941% | 1,510 |
| Loan and lease loss provision to assets | 0.0161% | 6,230 |
| Net operating income to assets | 0.4447% | 4,807 |
| Return on assets (ROA) | 0.4447% | 5,001 |
| Pretax return on assets | 0.6590% | 4,614 |
| Return on Equity (ROE) | 3.5388% | 5,207 |
| Retained earnings to average equity (ytd only) | 3.2924% | 4,376 |
| Net charge-offs to loans | 0.1037% | 4,963 |
| Credit loss provision to net charge-offs | 22.4138% | 5,527 |
| Earnings coverage of net charge-offs (x) | 9.3967% | 2,057 |
| Efficiency ratio | 84.5478% | 1,681 |
| Assets per employee ($millions) | 2.0821% | 7,208 |
| Cash dividends to net income (ytd only)* | 6.9633% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9152% | 6,550 |
| Loan loss allowance to noncurrent loans | 184.2391% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 1.2543% | 4,290 |
| Noncurrent loans to loans | 0.4967% | 5,850 |
| Net loans and leases to total assets | 67.7999% | 2,520 |
| Net loans and leases to deposits | 78.3083% | 2,921 |
| Net loans and leases to core deposits | 78.5522% | 3,820 |
| Total domestic deposits to total assets | 86.5808% | 2,888 |
| Equity capital to assets | 12.7588% | 1,751 |
| Core capital (leverage) ratio | 12.5074% | 1,432 |
| Tier 1 risk-based capital ratio | 17.1353% | 2,590 |
| Total risk-based capital ratio | 18.0061% | 2,711 |
| Memoranda: | ||
| Average total assets | $107,627,750 | 4,725 |
| Average earning assets | $101,848,750 | 4,617 |
| Average equity | $13,525,750 | 4,235 |
| Average total loans | $74,576,250 | 4,363 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7635% | 4,236 |
| Cost of funding earning assets | 0.6836% | 6,050 |
| Net interest margin | 4.0799% | 2,489 |
| Noninterest income to average assets | 0.4711% | 4,098 |
| Noninterest expense to average assets | 3.5601% | 1,839 |
| Loan and lease loss provision to assets | 0.0186% | 6,056 |
| Net operating income to assets | 0.4990% | 4,503 |
| Return on assets (ROA) | 0.4990% | 4,647 |
| Pretax return on assets | 0.7485% | 4,219 |
| Return on Equity (ROE) | 3.9912% | 4,951 |
| Retained earnings to average equity (ytd only) | 3.6189% | 3,930 |
| Net charge-offs to loans | 0.0589% | 5,062 |
| Credit loss provision to net charge-offs | 45.4545% | 4,692 |
| Earnings coverage of net charge-offs (x) | 18.7273% | 1,245 |
| Efficiency ratio | 82.2719% | 2,066 |
| Assets per employee ($millions) | 2.1467% | 7,214 |
| Cash dividends to net income (ytd only)* | 9.3284% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9603% | 6,483 |
| Loan loss allowance to noncurrent loans | 267.9245% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 1.1692% | 4,553 |
| Noncurrent loans to loans | 0.3584% | 6,193 |
| Net loans and leases to total assets | 68.2204% | 2,574 |
| Net loans and leases to deposits | 78.6917% | 3,007 |
| Net loans and leases to core deposits | 78.9386% | 3,938 |
| Total domestic deposits to total assets | 86.6932% | 2,930 |
| Equity capital to assets | 12.7320% | 1,656 |
| Core capital (leverage) ratio | 12.4653% | 1,378 |
| Tier 1 risk-based capital ratio | 17.0937% | 2,482 |
| Total risk-based capital ratio | 18.0096% | 2,581 |
| Memoranda: | ||
| Average total assets | $107,413,670 | 4,770 |
| Average earning assets | $101,522,000 | 4,664 |
| Average equity | $13,429,670 | 4,247 |
| Average total loans | $74,740,000 | 4,400 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7844% | 4,126 |
| Cost of funding earning assets | 0.7100% | 6,084 |
| Net interest margin | 4.0745% | 2,367 |
| Noninterest income to average assets | 0.4877% | 3,987 |
| Noninterest expense to average assets | 3.6556% | 1,642 |
| Loan and lease loss provision to assets | 0.0186% | 5,711 |
| Net operating income to assets | 0.4430% | 4,754 |
| Return on assets (ROA) | 0.4430% | 4,836 |
| Pretax return on assets | 0.6589% | 4,457 |
| Return on Equity (ROE) | 3.5759% | 5,109 |
| Retained earnings to average equity (ytd only) | 3.5759% | 4,038 |
| Net charge-offs to loans | -0.0160% | 6,499 |
| Credit loss provision to net charge-offs | -166.6667% | 5,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3643% | 1,915 |
| Assets per employee ($millions) | 2.2194% | 7,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9718% | 6,486 |
| Loan loss allowance to noncurrent loans | 374.3590% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 6,703 |
| Noncurrent loans to loans | 0.2596% | 6,468 |
| Net loans and leases to total assets | 69.8326% | 2,163 |
| Net loans and leases to deposits | 80.3144% | 2,659 |
| Net loans and leases to core deposits | 80.3144% | 3,701 |
| Total domestic deposits to total assets | 86.9491% | 2,971 |
| Equity capital to assets | 12.5778% | 1,583 |
| Core capital (leverage) ratio | 12.5098% | 1,319 |
| Tier 1 risk-based capital ratio | 16.9438% | 2,501 |
| Total risk-based capital ratio | 17.8861% | 2,584 |
| Memoranda: | ||
| Average total assets | $107,452,500 | 4,805 |
| Average earning assets | $101,412,000 | 4,703 |
| Average equity | $13,311,500 | 4,265 |
| Average total loans | $75,142,500 | 4,417 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1974% | 3,623 |
| Cost of funding earning assets | 0.9390% | 5,989 |
| Net interest margin | 4.2584% | 1,965 |
| Noninterest income to average assets | 0.5000% | 4,168 |
| Noninterest expense to average assets | 3.8408% | 1,415 |
| Loan and lease loss provision to assets | 0.0190% | 6,922 |
| Net operating income to assets | 0.4457% | 4,333 |
| Return on assets (ROA) | 0.4070% | 4,643 |
| Pretax return on assets | 0.5902% | 4,355 |
| Return on Equity (ROE) | 3.2885% | 4,827 |
| Retained earnings to average equity (ytd only) | 2.9052% | 3,823 |
| Net charge-offs to loans | 0.1451% | 5,491 |
| Credit loss provision to net charge-offs | 18.8679% | 6,563 |
| Earnings coverage of net charge-offs (x) | 6.6132% | 2,322 |
| Efficiency ratio | 85.2390% | 1,776 |
| Assets per employee ($millions) | 2.2118% | 7,294 |
| Cash dividends to net income (ytd only)* | 11.6550% | 3,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9606% | 6,528 |
| Loan loss allowance to noncurrent loans | 364.6465% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 6,775 |
| Noncurrent loans to loans | 0.2634% | 6,540 |
| Net loans and leases to total assets | 68.6877% | 2,815 |
| Net loans and leases to deposits | 78.6329% | 3,405 |
| Net loans and leases to core deposits | 78.6329% | 4,383 |
| Total domestic deposits to total assets | 87.3524% | 2,637 |
| Equity capital to assets | 12.2020% | 1,789 |
| Core capital (leverage) ratio | 12.3752% | 1,361 |
| Tier 1 risk-based capital ratio | 16.6893% | 2,462 |
| Total risk-based capital ratio | 17.6157% | 2,545 |
| Memoranda: | ||
| Average total assets | $105,395,000 | 4,840 |
| Average earning assets | $99,145,800 | 4,744 |
| Average equity | $13,045,600 | 4,354 |
| Average total loans | $73,047,200 | 4,566 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2109% | 3,779 |
| Cost of funding earning assets | 0.9880% | 5,991 |
| Net interest margin | 4.2228% | 2,133 |
| Noninterest income to average assets | 0.5084% | 4,115 |
| Noninterest expense to average assets | 3.8502% | 1,281 |
| Loan and lease loss provision to assets | 0.0191% | 6,859 |
| Net operating income to assets | 0.4217% | 4,652 |
| Return on assets (ROA) | 0.4217% | 4,833 |
| Pretax return on assets | 0.6141% | 4,553 |
| Return on Equity (ROE) | 3.3945% | 5,054 |
| Retained earnings to average equity (ytd only) | 3.1381% | 4,238 |
| Net charge-offs to loans | 0.1747% | 4,920 |
| Credit loss provision to net charge-offs | 15.7895% | 6,285 |
| Earnings coverage of net charge-offs (x) | 5.2317% | 2,801 |
| Efficiency ratio | 85.8767% | 1,647 |
| Assets per employee ($millions) | 2.1273% | 7,441 |
| Cash dividends to net income (ytd only)* | 7.5523% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 6,456 |
| Loan loss allowance to noncurrent loans | 329.4118% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 6,834 |
| Noncurrent loans to loans | 0.2996% | 6,589 |
| Net loans and leases to total assets | 70.0756% | 2,716 |
| Net loans and leases to deposits | 80.9468% | 3,279 |
| Net loans and leases to core deposits | 81.2982% | 4,344 |
| Total domestic deposits to total assets | 86.5699% | 2,774 |
| Equity capital to assets | 12.8056% | 1,679 |
| Core capital (leverage) ratio | 12.3735% | 1,471 |
| Tier 1 risk-based capital ratio | 16.8550% | 2,392 |
| Total risk-based capital ratio | 17.8038% | 2,493 |
| Memoranda: | ||
| Average total assets | $104,649,750 | 4,915 |
| Average earning assets | $98,510,000 | 4,824 |
| Average equity | $13,001,000 | 4,439 |
| Average total loans | $72,518,250 | 4,656 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1818% | 4,039 |
| Cost of funding earning assets | 1.0258% | 6,024 |
| Net interest margin | 4.1560% | 2,309 |
| Noninterest income to average assets | 0.5058% | 4,067 |
| Noninterest expense to average assets | 3.8974% | 1,188 |
| Loan and lease loss provision to assets | 0.0191% | 6,736 |
| Net operating income to assets | 0.3512% | 4,968 |
| Return on assets (ROA) | 0.3512% | 5,131 |
| Pretax return on assets | 0.4943% | 4,916 |
| Return on Equity (ROE) | 2.8560% | 5,305 |
| Retained earnings to average equity (ytd only) | 2.4679% | 4,582 |
| Net charge-offs to loans | 0.2913% | 3,872 |
| Credit loss provision to net charge-offs | 9.5238% | 5,945 |
| Earnings coverage of net charge-offs (x) | 2.5619% | 3,718 |
| Efficiency ratio | 88.3600% | 1,476 |
| Assets per employee ($millions) | 2.0429% | 7,559 |
| Cash dividends to net income (ytd only)* | 13.5870% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 6,462 |
| Loan loss allowance to noncurrent loans | 312.7193% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.2380% | 6,803 |
| Noncurrent loans to loans | 0.3150% | 6,597 |
| Net loans and leases to total assets | 68.7862% | 3,175 |
| Net loans and leases to deposits | 79.0826% | 3,782 |
| Net loans and leases to core deposits | 79.6654% | 4,726 |
| Total domestic deposits to total assets | 86.9803% | 2,537 |
| Equity capital to assets | 12.5120% | 1,795 |
| Core capital (leverage) ratio | 12.3527% | 1,471 |
| Tier 1 risk-based capital ratio | 16.8685% | 2,334 |
| Total risk-based capital ratio | 17.8091% | 2,402 |
| Memoranda: | ||
| Average total assets | $104,787,670 | 4,947 |
| Average earning assets | $98,460,000 | 4,862 |
| Average equity | $12,885,330 | 4,462 |
| Average total loans | $72,100,330 | 4,709 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1470% | 4,311 |
| Cost of funding earning assets | 1.0562% | 6,106 |
| Net interest margin | 4.0908% | 2,482 |
| Noninterest income to average assets | 0.5367% | 3,763 |
| Noninterest expense to average assets | 3.9967% | 1,035 |
| Loan and lease loss provision to assets | 0.0190% | 6,448 |
| Net operating income to assets | 0.2664% | 5,432 |
| Return on assets (ROA) | 0.2664% | 5,553 |
| Pretax return on assets | 0.3540% | 5,439 |
| Return on Equity (ROE) | 2.1858% | 5,687 |
| Retained earnings to average equity (ytd only) | 2.1858% | 4,825 |
| Net charge-offs to loans | 0.0556% | 4,847 |
| Credit loss provision to net charge-offs | 50.0000% | 4,477 |
| Earnings coverage of net charge-offs (x) | 9.8000% | 1,805 |
| Efficiency ratio | 91.4634% | 1,318 |
| Assets per employee ($millions) | 2.0574% | 7,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1178% | 5,930 |
| Loan loss allowance to noncurrent loans | 210.7612% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.4632% | 6,312 |
| Noncurrent loans to loans | 0.5303% | 6,229 |
| Net loans and leases to total assets | 67.7007% | 3,466 |
| Net loans and leases to deposits | 77.4321% | 4,140 |
| Net loans and leases to core deposits | 77.9958% | 5,019 |
| Total domestic deposits to total assets | 87.4323% | 2,393 |
| Equity capital to assets | 12.2293% | 1,916 |
| Core capital (leverage) ratio | 12.3997% | 1,452 |
| Tier 1 risk-based capital ratio | 17.3373% | 2,130 |
| Total risk-based capital ratio | 18.4337% | 2,155 |
| Memoranda: | ||
| Average total assets | $105,087,500 | 5,005 |
| Average earning assets | $98,464,500 | 4,921 |
| Average equity | $12,810,000 | 4,520 |
| Average total loans | $71,960,500 | 4,785 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8774% | 2,337 |
| Cost of funding earning assets | 1.4267% | 5,820 |
| Net interest margin | 4.4507% | 1,295 |
| Noninterest income to average assets | 0.5447% | 4,069 |
| Noninterest expense to average assets | 4.0601% | 1,287 |
| Loan and lease loss provision to assets | 0.0196% | 7,307 |
| Net operating income to assets | 0.4343% | 3,989 |
| Return on assets (ROA) | 0.4436% | 4,076 |
| Pretax return on assets | 0.6546% | 3,725 |
| Return on Equity (ROE) | 3.5808% | 4,259 |
| Retained earnings to average equity (ytd only) | 3.1847% | 2,930 |
| Net charge-offs to loans | 0.4592% | 3,946 |
| Credit loss provision to net charge-offs | 5.8651% | 6,990 |
| Earnings coverage of net charge-offs (x) | 1.9736% | 4,240 |
| Efficiency ratio | 86.0083% | 2,111 |
| Assets per employee ($millions) | 2.0637% | 7,691 |
| Cash dividends to net income (ytd only)* | 11.0619% | 3,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 5,802 |
| Loan loss allowance to noncurrent loans | 181.9820% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.5216% | 6,149 |
| Noncurrent loans to loans | 0.6160% | 6,012 |
| Net loans and leases to total assets | 67.7197% | 3,764 |
| Net loans and leases to deposits | 77.3798% | 4,488 |
| Net loans and leases to core deposits | 83.6616% | 5,748 |
| Total domestic deposits to total assets | 87.5160% | 2,209 |
| Equity capital to assets | 12.1505% | 1,937 |
| Core capital (leverage) ratio | 12.6200% | 1,398 |
| Tier 1 risk-based capital ratio | 17.0695% | 2,134 |
| Total risk-based capital ratio | 18.1617% | 2,147 |
| Memoranda: | ||
| Average total assets | $101,893,000 | 5,046 |
| Average earning assets | $95,603,400 | 4,958 |
| Average equity | $12,622,800 | 4,605 |
| Average total loans | $74,260,800 | 4,716 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9515% | 2,225 |
| Cost of funding earning assets | 1.5124% | 5,767 |
| Net interest margin | 4.4391% | 1,343 |
| Noninterest income to average assets | 0.5409% | 4,150 |
| Noninterest expense to average assets | 4.1033% | 1,142 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4531% | 4,180 |
| Return on assets (ROA) | 0.4657% | 4,238 |
| Pretax return on assets | 0.6333% | 4,076 |
| Return on Equity (ROE) | 3.7408% | 4,478 |
| Retained earnings to average equity (ytd only) | 3.4759% | 3,350 |
| Net charge-offs to loans | 0.1479% | 5,225 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 5.6267% | 2,772 |
| Efficiency ratio | 86.9444% | 1,967 |
| Assets per employee ($millions) | 1.9915% | 7,807 |
| Cash dividends to net income (ytd only)* | 7.0817% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3833% | 4,036 |
| Loan loss allowance to noncurrent loans | 122.1963% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.9651% | 5,130 |
| Noncurrent loans to loans | 1.1320% | 5,056 |
| Net loans and leases to total assets | 74.8903% | 2,268 |
| Net loans and leases to deposits | 87.3802% | 3,078 |
| Net loans and leases to core deposits | 95.4803% | 4,867 |
| Total domestic deposits to total assets | 85.7063% | 2,862 |
| Equity capital to assets | 12.8265% | 1,770 |
| Core capital (leverage) ratio | 12.5197% | 1,575 |
| Tier 1 risk-based capital ratio | 17.1672% | 2,226 |
| Total risk-based capital ratio | 18.4198% | 2,171 |
| Memoranda: | ||
| Average total assets | $101,054,500 | 5,098 |
| Average earning assets | $95,122,750 | 5,001 |
| Average equity | $12,581,500 | 4,639 |
| Average total loans | $74,805,750 | 4,743 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9153% | 2,516 |
| Cost of funding earning assets | 1.5638% | 5,865 |
| Net interest margin | 4.3515% | 1,516 |
| Noninterest income to average assets | 0.5613% | 3,955 |
| Noninterest expense to average assets | 4.0513% | 1,246 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4591% | 4,256 |
| Return on assets (ROA) | 0.4707% | 4,328 |
| Pretax return on assets | 0.6362% | 4,215 |
| Return on Equity (ROE) | 3.8185% | 4,571 |
| Retained earnings to average equity (ytd only) | 3.4191% | 3,419 |
| Net charge-offs to loans | 0.0993% | 5,171 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 8.5135% | 2,251 |
| Efficiency ratio | 86.7201% | 2,155 |
| Assets per employee ($millions) | 2.0528% | 7,816 |
| Cash dividends to net income (ytd only)* | 10.4603% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4203% | 3,619 |
| Loan loss allowance to noncurrent loans | 117.1674% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 1.0310% | 4,909 |
| Noncurrent loans to loans | 1.2122% | 4,792 |
| Net loans and leases to total assets | 75.3512% | 2,356 |
| Net loans and leases to deposits | 87.6218% | 3,235 |
| Net loans and leases to core deposits | 96.2829% | 4,873 |
| Total domestic deposits to total assets | 85.9959% | 2,797 |
| Equity capital to assets | 12.5198% | 1,915 |
| Core capital (leverage) ratio | 12.3981% | 1,650 |
| Tier 1 risk-based capital ratio | 16.8454% | 2,347 |
| Total risk-based capital ratio | 18.0682% | 2,308 |
| Memoranda: | ||
| Average total assets | $101,547,670 | 5,121 |
| Average earning assets | $95,920,670 | 5,008 |
| Average equity | $12,518,000 | 4,671 |
| Average total loans | $74,535,000 | 4,790 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9381% | 2,612 |
| Cost of funding earning assets | 1.6104% | 5,987 |
| Net interest margin | 4.3277% | 1,524 |
| Noninterest income to average assets | 0.5881% | 3,640 |
| Noninterest expense to average assets | 3.9636% | 1,228 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5057% | 4,394 |
| Return on assets (ROA) | 0.5057% | 4,582 |
| Pretax return on assets | 0.7018% | 4,433 |
| Return on Equity (ROE) | 4.1344% | 4,874 |
| Retained earnings to average equity (ytd only) | 4.1344% | 3,607 |
| Net charge-offs to loans | 0.1963% | 3,460 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 4.9722% | 2,783 |
| Efficiency ratio | 84.9580% | 2,199 |
| Assets per employee ($millions) | 2.1467% | 7,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4844% | 3,068 |
| Loan loss allowance to noncurrent loans | 173.2171% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.8583% | 5,050 |
| Noncurrent loans to loans | 0.8570% | 5,306 |
| Net loans and leases to total assets | 71.8951% | 3,260 |
| Net loans and leases to deposits | 83.4426% | 4,070 |
| Net loans and leases to core deposits | 91.3268% | 5,421 |
| Total domestic deposits to total assets | 86.1611% | 2,629 |
| Equity capital to assets | 12.4236% | 2,017 |
| Core capital (leverage) ratio | 12.3496% | 1,744 |
| Tier 1 risk-based capital ratio | 16.8063% | 2,401 |
| Total risk-based capital ratio | 18.0591% | 2,332 |
| Memoranda: | ||
| Average total assets | $102,029,000 | 5,124 |
| Average earning assets | $96,124,500 | 5,021 |
| Average equity | $12,480,500 | 4,712 |
| Average total loans | $73,360,500 | 4,857 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1444% | 4,803 |
| Cost of funding earning assets | 1.9788% | 6,476 |
| Net interest margin | 4.1655% | 2,450 |
| Noninterest income to average assets | 0.5575% | 4,180 |
| Noninterest expense to average assets | 3.7126% | 1,933 |
| Loan and lease loss provision to assets | 0.0098% | 7,247 |
| Net operating income to assets | 0.5378% | 4,588 |
| Return on assets (ROA) | 0.5378% | 4,434 |
| Pretax return on assets | 0.7364% | 4,284 |
| Return on Equity (ROE) | 4.5501% | 4,577 |
| Retained earnings to average equity (ytd only) | 4.1342% | 2,555 |
| Net charge-offs to loans | 0.0330% | 6,362 |
| Credit loss provision to net charge-offs | 43.4783% | 6,425 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,094 |
| Efficiency ratio | 83.2635% | 2,145 |
| Assets per employee ($millions) | 2.2426% | 7,645 |
| Cash dividends to net income (ytd only)* | 9.1408% | 4,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 2,473 |
| Loan loss allowance to noncurrent loans | 122.4512% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.9955% | 4,350 |
| Noncurrent loans to loans | 1.2615% | 3,988 |
| Net loans and leases to total assets | 69.7541% | 4,075 |
| Net loans and leases to deposits | 80.6227% | 4,940 |
| Net loans and leases to core deposits | 88.1170% | 5,966 |
| Total domestic deposits to total assets | 86.5191% | 2,163 |
| Equity capital to assets | 12.0452% | 2,265 |
| Core capital (leverage) ratio | 11.9909% | 1,967 |
| Tier 1 risk-based capital ratio | 16.3633% | 2,531 |
| Total risk-based capital ratio | 17.5826% | 2,486 |
| Memoranda: | ||
| Average total assets | $101,707,800 | 5,002 |
| Average earning assets | $95,258,200 | 4,944 |
| Average equity | $12,021,600 | 4,820 |
| Average total loans | $69,642,800 | 4,884 |