Home > The Commercial Savings Bank > Performance and Condition Ratios
The Commercial Savings Bank, Performance and Condition Ratios
| 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 | 4.6414% | 1,186 |
| Cost of funding earning assets | 0.2700% | 4,366 |
| Net interest margin | 4.3714% | 818 |
| Noninterest income to average assets | 0.7930% | 1,770 |
| Noninterest expense to average assets | 3.0205% | 2,286 |
| Loan and lease loss provision to assets | 0.0188% | 3,997 |
| Net operating income to assets | 1.3142% | 1,183 |
| Return on assets (ROA) | 1.3125% | 1,244 |
| Pretax return on assets | 1.8233% | 753 |
| Return on Equity (ROE) | 12.2241% | 1,186 |
| Retained earnings to average equity (ytd only) | 7.9201% | 881 |
| Net charge-offs to loans | 0.0134% | 3,828 |
| Credit loss provision to net charge-offs | 162.5000% | 1,699 |
| Earnings coverage of net charge-offs (x) | 159.1500% | 407 |
| Efficiency ratio | 62.0868% | 4,229 |
| Assets per employee ($millions) | 4.5605% | 3,030 |
| Cash dividends to net income (ytd only)* | 35.2097% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 2,510 |
| Loan loss allowance to noncurrent loans | 544.2577% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.2007% | 4,521 |
| Noncurrent loans to loans | 0.2400% | 4,291 |
| Net loans and leases to total assets | 82.5369% | 535 |
| Net loans and leases to deposits | 93.4862% | 1,247 |
| Net loans and leases to core deposits | 109.4305% | 932 |
| Total domestic deposits to total assets | 88.2877% | 1,494 |
| Equity capital to assets | 10.7958% | 2,820 |
| Core capital (leverage) ratio | 10.8302% | 2,504 |
| Tier 1 risk-based capital ratio | 12.8561% | 4,161 |
| Total risk-based capital ratio | 14.1066% | 4,058 |
| Memoranda: | ||
| Average total assets | $345,144,400 | 1,922 |
| Average earning assets | $321,498,000 | 1,911 |
| Average equity | $37,057,800 | 1,973 |
| Average total loans | $298,004,600 | 1,528 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6966% | 1,072 |
| Cost of funding earning assets | 0.2683% | 4,404 |
| Net interest margin | 4.4282% | 735 |
| Noninterest income to average assets | 0.8553% | 1,562 |
| Noninterest expense to average assets | 3.0617% | 2,118 |
| Loan and lease loss provision to assets | 0.0269% | 3,706 |
| Net operating income to assets | 1.3854% | 1,095 |
| Return on assets (ROA) | 1.3831% | 1,157 |
| Pretax return on assets | 1.8880% | 724 |
| Return on Equity (ROE) | 12.9004% | 1,086 |
| Retained earnings to average equity (ytd only) | 8.2057% | 1,087 |
| Net charge-offs to loans | 0.0206% | 3,290 |
| Credit loss provision to net charge-offs | 150.0000% | 1,767 |
| Earnings coverage of net charge-offs (x) | 107.1119% | 628 |
| Efficiency ratio | 61.4837% | 4,315 |
| Assets per employee ($millions) | 4.2783% | 3,451 |
| Cash dividends to net income (ytd only)* | 36.3919% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 2,721 |
| Loan loss allowance to noncurrent loans | 641.9835% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 4,743 |
| Noncurrent loans to loans | 0.2015% | 4,551 |
| Net loans and leases to total assets | 85.5240% | 285 |
| Net loans and leases to deposits | 97.0189% | 951 |
| Net loans and leases to core deposits | 114.1636% | 714 |
| Total domestic deposits to total assets | 88.1519% | 1,326 |
| Equity capital to assets | 10.8941% | 3,141 |
| Core capital (leverage) ratio | 10.9065% | 2,552 |
| Tier 1 risk-based capital ratio | 12.4874% | 4,490 |
| Total risk-based capital ratio | 13.7378% | 4,381 |
| Memoranda: | ||
| Average total assets | $342,500,250 | 1,937 |
| Average earning assets | $319,006,250 | 1,928 |
| Average equity | $36,721,500 | 2,001 |
| Average total loans | $298,134,000 | 1,525 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7253% | 995 |
| Cost of funding earning assets | 0.2664% | 4,485 |
| Net interest margin | 4.4589% | 677 |
| Noninterest income to average assets | 0.9837% | 1,161 |
| Noninterest expense to average assets | 3.0333% | 2,242 |
| Loan and lease loss provision to assets | 0.0100% | 3,894 |
| Net operating income to assets | 1.5518% | 803 |
| Return on assets (ROA) | 1.5483% | 851 |
| Pretax return on assets | 2.0859% | 480 |
| Return on Equity (ROE) | 14.5199% | 740 |
| Retained earnings to average equity (ytd only) | 9.0220% | 845 |
| Net charge-offs to loans | 0.0168% | 3,178 |
| Credit loss provision to net charge-offs | 68.0000% | 2,497 |
| Earnings coverage of net charge-offs (x) | 143.3200% | 426 |
| Efficiency ratio | 59.0842% | 4,759 |
| Assets per employee ($millions) | 4.0685% | 3,786 |
| Cash dividends to net income (ytd only)* | 37.8644% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 2,823 |
| Loan loss allowance to noncurrent loans | 609.6519% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 4,705 |
| Noncurrent loans to loans | 0.2122% | 4,591 |
| Net loans and leases to total assets | 86.0313% | 250 |
| Net loans and leases to deposits | 97.5223% | 926 |
| Net loans and leases to core deposits | 109.4757% | 956 |
| Total domestic deposits to total assets | 88.2171% | 1,308 |
| Equity capital to assets | 10.8706% | 3,203 |
| Core capital (leverage) ratio | 10.7560% | 2,692 |
| Tier 1 risk-based capital ratio | 12.3316% | 4,628 |
| Total risk-based capital ratio | 13.5820% | 4,549 |
| Memoranda: | ||
| Average total assets | $341,151,670 | 1,955 |
| Average earning assets | $317,524,000 | 1,945 |
| Average equity | $36,377,670 | 2,019 |
| Average total loans | $297,424,000 | 1,532 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6929% | 1,062 |
| Cost of funding earning assets | 0.2612% | 4,597 |
| Net interest margin | 4.4317% | 691 |
| Noninterest income to average assets | 1.3484% | 611 |
| Noninterest expense to average assets | 3.0219% | 2,330 |
| Loan and lease loss provision to assets | 0.0258% | 3,336 |
| Net operating income to assets | 1.9086% | 388 |
| Return on assets (ROA) | 1.9011% | 421 |
| Pretax return on assets | 2.4128% | 274 |
| Return on Equity (ROE) | 18.0045% | 350 |
| Retained earnings to average equity (ytd only) | 10.2248% | 800 |
| Net charge-offs to loans | 0.0283% | 2,375 |
| Credit loss provision to net charge-offs | 104.7619% | 1,566 |
| Earnings coverage of net charge-offs (x) | 99.3333% | 538 |
| Efficiency ratio | 55.2457% | 5,262 |
| Assets per employee ($millions) | 4.1051% | 3,758 |
| Cash dividends to net income (ytd only)* | 43.2099% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 2,910 |
| Loan loss allowance to noncurrent loans | 600.6221% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 4,791 |
| Noncurrent loans to loans | 0.2162% | 4,656 |
| Net loans and leases to total assets | 86.1717% | 210 |
| Net loans and leases to deposits | 98.2278% | 742 |
| Net loans and leases to core deposits | 113.7607% | 677 |
| Total domestic deposits to total assets | 87.7263% | 1,795 |
| Equity capital to assets | 10.6961% | 3,263 |
| Core capital (leverage) ratio | 10.8404% | 2,584 |
| Tier 1 risk-based capital ratio | 12.1346% | 4,822 |
| Total risk-based capital ratio | 13.3851% | 4,728 |
| Memoranda: | ||
| Average total assets | $340,848,500 | 1,962 |
| Average earning assets | $316,990,000 | 1,953 |
| Average equity | $35,991,000 | 2,037 |
| Average total loans | $297,200,000 | 1,527 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7161% | 1,072 |
| Cost of funding earning assets | 0.2667% | 4,624 |
| Net interest margin | 4.4494% | 715 |
| Noninterest income to average assets | 0.5951% | 2,736 |
| Noninterest expense to average assets | 3.1322% | 2,142 |
| Loan and lease loss provision to assets | 0.0561% | 3,185 |
| Net operating income to assets | 1.0558% | 2,104 |
| Return on assets (ROA) | 1.0558% | 2,187 |
| Pretax return on assets | 1.5067% | 1,533 |
| Return on Equity (ROE) | 10.2385% | 1,908 |
| Retained earnings to average equity (ytd only) | 6.4454% | 1,570 |
| Net charge-offs to loans | 0.1605% | 1,769 |
| Credit loss provision to net charge-offs | 41.5011% | 3,512 |
| Earnings coverage of net charge-offs (x) | 11.5541% | 2,559 |
| Efficiency ratio | 66.7133% | 3,792 |
| Assets per employee ($millions) | 4.0592% | 3,832 |
| Cash dividends to net income (ytd only)* | 37.0475% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 2,898 |
| Loan loss allowance to noncurrent loans | 535.5062% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.2320% | 4,669 |
| Noncurrent loans to loans | 0.2428% | 4,562 |
| Net loans and leases to total assets | 85.9509% | 235 |
| Net loans and leases to deposits | 98.7676% | 761 |
| Net loans and leases to core deposits | 112.4432% | 747 |
| Total domestic deposits to total assets | 87.0234% | 2,119 |
| Equity capital to assets | 10.4224% | 3,453 |
| Core capital (leverage) ratio | 10.5745% | 2,851 |
| Tier 1 risk-based capital ratio | 11.7840% | 5,083 |
| Total risk-based capital ratio | 13.0344% | 5,001 |
| Memoranda: | ||
| Average total assets | $334,910,600 | 1,963 |
| Average earning assets | $308,602,000 | 1,974 |
| Average equity | $34,536,400 | 2,065 |
| Average total loans | $282,270,800 | 1,542 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7343% | 1,043 |
| Cost of funding earning assets | 0.2696% | 4,672 |
| Net interest margin | 4.4647% | 708 |
| Noninterest income to average assets | 0.5931% | 2,784 |
| Noninterest expense to average assets | 3.1525% | 2,077 |
| Loan and lease loss provision to assets | 0.0552% | 3,094 |
| Net operating income to assets | 1.0502% | 2,215 |
| Return on assets (ROA) | 1.0502% | 2,312 |
| Pretax return on assets | 1.4913% | 1,703 |
| Return on Equity (ROE) | 10.2119% | 2,018 |
| Retained earnings to average equity (ytd only) | 7.2681% | 1,561 |
| Net charge-offs to loans | 0.1574% | 1,564 |
| Credit loss provision to net charge-offs | 41.9453% | 3,141 |
| Earnings coverage of net charge-offs (x) | 11.7537% | 2,462 |
| Efficiency ratio | 67.0894% | 3,690 |
| Assets per employee ($millions) | 3.9496% | 3,977 |
| Cash dividends to net income (ytd only)* | 28.8271% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 2,660 |
| Loan loss allowance to noncurrent loans | 402.3517% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.3087% | 4,530 |
| Noncurrent loans to loans | 0.3450% | 4,376 |
| Net loans and leases to total assets | 84.2609% | 367 |
| Net loans and leases to deposits | 95.4444% | 1,059 |
| Net loans and leases to core deposits | 109.5578% | 898 |
| Total domestic deposits to total assets | 88.2827% | 1,406 |
| Equity capital to assets | 10.6077% | 3,460 |
| Core capital (leverage) ratio | 10.7173% | 2,804 |
| Tier 1 risk-based capital ratio | 12.1057% | 5,019 |
| Total risk-based capital ratio | 13.3569% | 4,930 |
| Memoranda: | ||
| Average total assets | $333,394,250 | 1,984 |
| Average earning assets | $306,605,000 | 2,001 |
| Average equity | $34,286,000 | 2,089 |
| Average total loans | $278,605,250 | 1,572 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7153% | 1,043 |
| Cost of funding earning assets | 0.2731% | 4,685 |
| Net interest margin | 4.4422% | 702 |
| Noninterest income to average assets | 0.5821% | 2,840 |
| Noninterest expense to average assets | 3.1994% | 1,983 |
| Loan and lease loss provision to assets | 0.0311% | 3,503 |
| Net operating income to assets | 0.9912% | 2,431 |
| Return on assets (ROA) | 0.9912% | 2,543 |
| Pretax return on assets | 1.4332% | 1,855 |
| Return on Equity (ROE) | 9.7400% | 2,190 |
| Retained earnings to average equity (ytd only) | 7.0622% | 1,672 |
| Net charge-offs to loans | 0.0592% | 2,547 |
| Credit loss provision to net charge-offs | 63.4146% | 2,557 |
| Earnings coverage of net charge-offs (x) | 29.8171% | 1,370 |
| Efficiency ratio | 68.6015% | 3,573 |
| Assets per employee ($millions) | 3.9316% | 4,012 |
| Cash dividends to net income (ytd only)* | 27.4924% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 2,401 |
| Loan loss allowance to noncurrent loans | 368.0144% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.6313% | 3,528 |
| Noncurrent loans to loans | 0.4004% | 4,278 |
| Net loans and leases to total assets | 83.9358% | 382 |
| Net loans and leases to deposits | 95.0362% | 1,045 |
| Net loans and leases to core deposits | 106.7362% | 1,033 |
| Total domestic deposits to total assets | 88.3198% | 1,485 |
| Equity capital to assets | 10.5877% | 3,342 |
| Core capital (leverage) ratio | 10.2097% | 3,326 |
| Tier 1 risk-based capital ratio | 12.5049% | 4,799 |
| Total risk-based capital ratio | 13.7578% | 4,716 |
| Memoranda: | ||
| Average total assets | $333,936,670 | 1,987 |
| Average earning assets | $306,830,330 | 2,003 |
| Average equity | $33,983,670 | 2,118 |
| Average total loans | $276,978,670 | 1,584 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5574% | 1,316 |
| Cost of funding earning assets | 0.2761% | 4,710 |
| Net interest margin | 4.2812% | 917 |
| Noninterest income to average assets | 0.6064% | 2,613 |
| Noninterest expense to average assets | 3.1432% | 2,150 |
| Loan and lease loss provision to assets | -0.0047% | 6,085 |
| Net operating income to assets | 0.9569% | 2,467 |
| Return on assets (ROA) | 0.9569% | 2,602 |
| Pretax return on assets | 1.3975% | 1,898 |
| Return on Equity (ROE) | 9.5904% | 2,180 |
| Retained earnings to average equity (ytd only) | 6.8960% | 2,053 |
| Net charge-offs to loans | 0.0246% | 2,671 |
| Credit loss provision to net charge-offs | -23.5294% | 4,343 |
| Earnings coverage of net charge-offs (x) | 69.1765% | 651 |
| Efficiency ratio | 69.2950% | 3,610 |
| Assets per employee ($millions) | 4.0370% | 3,885 |
| Cash dividends to net income (ytd only)* | 28.0941% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 2,447 |
| Loan loss allowance to noncurrent loans | 359.4571% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 1.0026% | 2,623 |
| Noncurrent loans to loans | 0.4171% | 4,339 |
| Net loans and leases to total assets | 79.5284% | 737 |
| Net loans and leases to deposits | 89.4572% | 1,442 |
| Net loans and leases to core deposits | 104.7105% | 1,020 |
| Total domestic deposits to total assets | 88.9010% | 1,336 |
| Equity capital to assets | 10.0238% | 4,121 |
| Core capital (leverage) ratio | 10.0548% | 3,529 |
| Tier 1 risk-based capital ratio | 12.3191% | 5,031 |
| Total risk-based capital ratio | 13.5720% | 4,940 |
| Memoranda: | ||
| Average total assets | $337,744,500 | 1,973 |
| Average earning assets | $310,004,000 | 1,989 |
| Average equity | $33,700,500 | 2,137 |
| Average total loans | $276,470,000 | 1,579 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8648% | 985 |
| Cost of funding earning assets | 0.2863% | 4,937 |
| Net interest margin | 4.5785% | 641 |
| Noninterest income to average assets | 0.6193% | 2,743 |
| Noninterest expense to average assets | 3.2113% | 2,180 |
| Loan and lease loss provision to assets | 0.0951% | 2,562 |
| Net operating income to assets | 1.0469% | 2,178 |
| Return on assets (ROA) | 1.0469% | 2,250 |
| Pretax return on assets | 1.5040% | 1,525 |
| Return on Equity (ROE) | 10.5766% | 1,869 |
| Retained earnings to average equity (ytd only) | 7.9565% | 1,035 |
| Net charge-offs to loans | 0.1914% | 2,132 |
| Credit loss provision to net charge-offs | 58.7452% | 3,312 |
| Earnings coverage of net charge-offs (x) | 9.8821% | 2,685 |
| Efficiency ratio | 66.7583% | 4,098 |
| Assets per employee ($millions) | 3.9115% | 4,137 |
| Cash dividends to net income (ytd only)* | 24.7723% | 3,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4781% | 2,573 |
| Loan loss allowance to noncurrent loans | 388.8784% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.9754% | 2,805 |
| Noncurrent loans to loans | 0.3801% | 4,502 |
| Net loans and leases to total assets | 81.7590% | 546 |
| Net loans and leases to deposits | 91.9149% | 1,297 |
| Net loans and leases to core deposits | 108.3091% | 871 |
| Total domestic deposits to total assets | 88.9508% | 1,264 |
| Equity capital to assets | 9.9321% | 4,199 |
| Core capital (leverage) ratio | 10.0703% | 3,472 |
| Tier 1 risk-based capital ratio | 11.8242% | 5,476 |
| Total risk-based capital ratio | 13.0771% | 5,386 |
| Memoranda: | ||
| Average total assets | $325,067,600 | 1,997 |
| Average earning assets | $297,563,600 | 2,011 |
| Average equity | $32,174,800 | 2,155 |
| Average total loans | $274,790,000 | 1,549 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8761% | 976 |
| Cost of funding earning assets | 0.2866% | 5,026 |
| Net interest margin | 4.5894% | 629 |
| Noninterest income to average assets | 0.6364% | 2,642 |
| Noninterest expense to average assets | 3.2038% | 2,165 |
| Loan and lease loss provision to assets | 0.1188% | 2,086 |
| Net operating income to assets | 1.0547% | 2,216 |
| Return on assets (ROA) | 1.0547% | 2,283 |
| Pretax return on assets | 1.5140% | 1,601 |
| Return on Equity (ROE) | 10.6652% | 1,918 |
| Retained earnings to average equity (ytd only) | 8.0837% | 1,315 |
| Net charge-offs to loans | 0.1296% | 2,498 |
| Credit loss provision to net charge-offs | 107.8947% | 2,063 |
| Earnings coverage of net charge-offs (x) | 14.8345% | 2,108 |
| Efficiency ratio | 66.2418% | 4,182 |
| Assets per employee ($millions) | 3.7774% | 4,336 |
| Cash dividends to net income (ytd only)* | 24.2057% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5660% | 2,435 |
| Loan loss allowance to noncurrent loans | 187.2961% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 1.0466% | 2,869 |
| Noncurrent loans to loans | 0.8361% | 3,482 |
| Net loans and leases to total assets | 84.4384% | 311 |
| Net loans and leases to deposits | 96.2987% | 858 |
| Net loans and leases to core deposits | 110.5868% | 719 |
| Total domestic deposits to total assets | 87.6838% | 1,931 |
| Equity capital to assets | 10.0998% | 4,050 |
| Core capital (leverage) ratio | 10.0517% | 3,601 |
| Tier 1 risk-based capital ratio | 11.6826% | 5,677 |
| Total risk-based capital ratio | 12.9365% | 5,599 |
| Memoranda: | ||
| Average total assets | $322,238,250 | 2,029 |
| Average earning assets | $294,902,250 | 2,043 |
| Average equity | $31,866,000 | 2,181 |
| Average total loans | $273,699,750 | 1,562 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8041% | 1,055 |
| Cost of funding earning assets | 0.2895% | 5,079 |
| Net interest margin | 4.5147% | 685 |
| Noninterest income to average assets | 0.6373% | 2,622 |
| Noninterest expense to average assets | 3.1155% | 2,435 |
| Loan and lease loss provision to assets | 0.1624% | 1,521 |
| Net operating income to assets | 1.0399% | 2,163 |
| Return on assets (ROA) | 1.0399% | 2,230 |
| Pretax return on assets | 1.4942% | 1,553 |
| Return on Equity (ROE) | 10.5923% | 1,897 |
| Retained earnings to average equity (ytd only) | 8.1138% | 1,286 |
| Net charge-offs to loans | 0.1838% | 1,923 |
| Credit loss provision to net charge-offs | 104.4000% | 1,915 |
| Earnings coverage of net charge-offs (x) | 10.6480% | 2,229 |
| Efficiency ratio | 65.2843% | 4,472 |
| Assets per employee ($millions) | 3.8061% | 4,240 |
| Cash dividends to net income (ytd only)* | 23.3992% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 2,553 |
| Loan loss allowance to noncurrent loans | 162.5233% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 1.1585% | 2,765 |
| Noncurrent loans to loans | 0.9704% | 3,296 |
| Net loans and leases to total assets | 83.0144% | 380 |
| Net loans and leases to deposits | 95.5134% | 838 |
| Net loans and leases to core deposits | 106.1965% | 885 |
| Total domestic deposits to total assets | 86.9139% | 2,498 |
| Equity capital to assets | 9.8355% | 4,306 |
| Core capital (leverage) ratio | 10.0355% | 3,563 |
| Tier 1 risk-based capital ratio | 11.4463% | 5,829 |
| Total risk-based capital ratio | 12.7003% | 5,781 |
| Memoranda: | ||
| Average total assets | $321,365,330 | 2,034 |
| Average earning assets | $294,330,330 | 2,042 |
| Average equity | $31,551,330 | 2,187 |
| Average total loans | $272,043,670 | 1,572 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7891% | 1,071 |
| Cost of funding earning assets | 0.2980% | 5,084 |
| Net interest margin | 4.4911% | 670 |
| Noninterest income to average assets | 0.6633% | 2,382 |
| Noninterest expense to average assets | 3.1723% | 2,316 |
| Loan and lease loss provision to assets | 0.1897% | 1,252 |
| Net operating income to assets | 0.9875% | 2,259 |
| Return on assets (ROA) | 0.9875% | 2,315 |
| Pretax return on assets | 1.4285% | 1,645 |
| Return on Equity (ROE) | 10.0672% | 2,013 |
| Retained earnings to average equity (ytd only) | 7.5696% | 1,785 |
| Net charge-offs to loans | 0.2341% | 1,388 |
| Credit loss provision to net charge-offs | 95.5696% | 1,741 |
| Earnings coverage of net charge-offs (x) | 8.1519% | 2,053 |
| Efficiency ratio | 66.2208% | 4,496 |
| Assets per employee ($millions) | 3.7107% | 4,493 |
| Cash dividends to net income (ytd only)* | 24.8092% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6054% | 2,677 |
| Loan loss allowance to noncurrent loans | 151.6614% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.9084% | 3,462 |
| Noncurrent loans to loans | 1.0586% | 3,308 |
| Net loans and leases to total assets | 83.2742% | 279 |
| Net loans and leases to deposits | 93.5225% | 833 |
| Net loans and leases to core deposits | 102.5199% | 954 |
| Total domestic deposits to total assets | 89.0418% | 1,633 |
| Equity capital to assets | 9.8771% | 3,982 |
| Core capital (leverage) ratio | 9.8160% | 3,834 |
| Tier 1 risk-based capital ratio | 11.5555% | 5,881 |
| Total risk-based capital ratio | 12.8098% | 5,831 |
| Memoranda: | ||
| Average total assets | $318,386,000 | 2,053 |
| Average earning assets | $292,580,500 | 2,062 |
| Average equity | $31,230,000 | 2,202 |
| Average total loans | $270,025,500 | 1,578 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0089% | 909 |
| Cost of funding earning assets | 0.4174% | 4,459 |
| Net interest margin | 4.5915% | 624 |
| Noninterest income to average assets | 0.6711% | 2,699 |
| Noninterest expense to average assets | 3.2417% | 2,304 |
| Loan and lease loss provision to assets | 0.1736% | 2,130 |
| Net operating income to assets | 1.0310% | 2,195 |
| Return on assets (ROA) | 1.0310% | 2,261 |
| Pretax return on assets | 1.4631% | 1,572 |
| Return on Equity (ROE) | 10.5749% | 1,901 |
| Retained earnings to average equity (ytd only) | 8.1675% | 999 |
| Net charge-offs to loans | 0.0901% | 3,945 |
| Credit loss provision to net charge-offs | 231.8777% | 990 |
| Earnings coverage of net charge-offs (x) | 21.8646% | 1,475 |
| Efficiency ratio | 66.4500% | 4,481 |
| Assets per employee ($millions) | 3.5294% | 4,841 |
| Cash dividends to net income (ytd only)* | 22.7647% | 3,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6087% | 2,724 |
| Loan loss allowance to noncurrent loans | 144.0464% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.9555% | 3,504 |
| Noncurrent loans to loans | 1.1168% | 3,304 |
| Net loans and leases to total assets | 83.6222% | 281 |
| Net loans and leases to deposits | 94.3297% | 857 |
| Net loans and leases to core deposits | 102.9243% | 975 |
| Total domestic deposits to total assets | 88.6488% | 1,829 |
| Equity capital to assets | 9.7403% | 4,117 |
| Core capital (leverage) ratio | 9.7843% | 3,864 |
| Tier 1 risk-based capital ratio | 11.3804% | 5,979 |
| Total risk-based capital ratio | 12.6350% | 5,907 |
| Memoranda: | ||
| Average total assets | $305,920,400 | 2,110 |
| Average earning assets | $280,322,600 | 2,112 |
| Average equity | $29,825,400 | 2,262 |
| Average total loans | $254,098,600 | 1,638 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0175% | 910 |
| Cost of funding earning assets | 0.4454% | 4,331 |
| Net interest margin | 4.5721% | 652 |
| Noninterest income to average assets | 0.6830% | 2,720 |
| Noninterest expense to average assets | 3.2832% | 2,112 |
| Loan and lease loss provision to assets | 0.1272% | 2,703 |
| Net operating income to assets | 1.0284% | 2,263 |
| Return on assets (ROA) | 1.0284% | 2,348 |
| Pretax return on assets | 1.4557% | 1,743 |
| Return on Equity (ROE) | 10.5457% | 1,984 |
| Retained earnings to average equity (ytd only) | 8.1857% | 1,344 |
| Net charge-offs to loans | 0.0330% | 4,473 |
| Credit loss provision to net charge-offs | 466.1290% | 574 |
| Earnings coverage of net charge-offs (x) | 58.0194% | 773 |
| Efficiency ratio | 67.4715% | 4,193 |
| Assets per employee ($millions) | 3.4611% | 4,921 |
| Cash dividends to net income (ytd only)* | 22.3793% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6443% | 2,820 |
| Loan loss allowance to noncurrent loans | 81.1870% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 1.7147% | 2,393 |
| Noncurrent loans to loans | 2.0253% | 2,222 |
| Net loans and leases to total assets | 82.8792% | 302 |
| Net loans and leases to deposits | 95.1326% | 754 |
| Net loans and leases to core deposits | 101.2011% | 1,044 |
| Total domestic deposits to total assets | 87.1196% | 2,626 |
| Equity capital to assets | 9.8453% | 4,112 |
| Core capital (leverage) ratio | 9.9218% | 3,785 |
| Tier 1 risk-based capital ratio | 11.4831% | 6,067 |
| Total risk-based capital ratio | 12.7378% | 6,028 |
| Memoranda: | ||
| Average total assets | $302,988,250 | 2,137 |
| Average earning assets | $277,209,000 | 2,141 |
| Average equity | $29,546,750 | 2,302 |
| Average total loans | $250,131,250 | 1,662 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9843% | 933 |
| Cost of funding earning assets | 0.4686% | 4,221 |
| Net interest margin | 4.5157% | 693 |
| Noninterest income to average assets | 0.6950% | 2,666 |
| Noninterest expense to average assets | 3.3016% | 2,066 |
| Loan and lease loss provision to assets | 0.0996% | 3,134 |
| Net operating income to assets | 1.0083% | 2,296 |
| Return on assets (ROA) | 1.0083% | 2,430 |
| Pretax return on assets | 1.4258% | 1,851 |
| Return on Equity (ROE) | 10.3733% | 2,052 |
| Retained earnings to average equity (ytd only) | 8.1334% | 1,428 |
| Net charge-offs to loans | 0.0194% | 4,456 |
| Credit loss provision to net charge-offs | 625.0000% | 465 |
| Earnings coverage of net charge-offs (x) | 95.7500% | 484 |
| Efficiency ratio | 68.3993% | 4,111 |
| Assets per employee ($millions) | 3.3560% | 5,158 |
| Cash dividends to net income (ytd only)* | 21.5932% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6414% | 3,009 |
| Loan loss allowance to noncurrent loans | 62.3989% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 2.2448% | 1,926 |
| Noncurrent loans to loans | 2.6304% | 1,740 |
| Net loans and leases to total assets | 83.6025% | 258 |
| Net loans and leases to deposits | 94.5262% | 773 |
| Net loans and leases to core deposits | 97.4889% | 1,251 |
| Total domestic deposits to total assets | 88.4437% | 1,953 |
| Equity capital to assets | 9.9616% | 3,963 |
| Core capital (leverage) ratio | 9.6826% | 3,961 |
| Tier 1 risk-based capital ratio | 11.5570% | 6,081 |
| Total risk-based capital ratio | 12.8120% | 6,036 |
| Memoranda: | ||
| Average total assets | $301,306,330 | 2,157 |
| Average earning assets | $275,707,670 | 2,153 |
| Average equity | $29,286,670 | 2,318 |
| Average total loans | $246,987,000 | 1,678 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8521% | 1,195 |
| Cost of funding earning assets | 0.4901% | 4,175 |
| Net interest margin | 4.3620% | 857 |
| Noninterest income to average assets | 0.6939% | 2,624 |
| Noninterest expense to average assets | 3.3111% | 2,056 |
| Loan and lease loss provision to assets | 0.0291% | 4,090 |
| Net operating income to assets | 0.9451% | 2,453 |
| Return on assets (ROA) | 0.9451% | 2,597 |
| Pretax return on assets | 1.3416% | 2,068 |
| Return on Equity (ROE) | 9.8441% | 2,119 |
| Retained earnings to average equity (ytd only) | 7.5861% | 1,903 |
| Net charge-offs to loans | 0.0788% | 3,049 |
| Credit loss provision to net charge-offs | 45.8333% | 2,667 |
| Earnings coverage of net charge-offs (x) | 21.6042% | 1,154 |
| Efficiency ratio | 70.7228% | 3,848 |
| Assets per employee ($millions) | 3.4922% | 4,995 |
| Cash dividends to net income (ytd only)* | 22.9371% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6747% | 3,116 |
| Loan loss allowance to noncurrent loans | 57.6288% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 2.2931% | 2,028 |
| Noncurrent loans to loans | 2.9061% | 1,730 |
| Net loans and leases to total assets | 77.5879% | 654 |
| Net loans and leases to deposits | 86.9834% | 1,251 |
| Net loans and leases to core deposits | 90.0195% | 1,690 |
| Total domestic deposits to total assets | 89.1985% | 1,561 |
| Equity capital to assets | 9.6403% | 4,657 |
| Core capital (leverage) ratio | 9.4869% | 4,108 |
| Tier 1 risk-based capital ratio | 11.8750% | 5,986 |
| Total risk-based capital ratio | 13.1296% | 5,953 |
| Memoranda: | ||
| Average total assets | $302,616,500 | 2,170 |
| Average earning assets | $276,664,000 | 2,174 |
| Average equity | $29,053,000 | 2,372 |
| Average total loans | $243,542,500 | 1,709 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2667% | 989 |
| Cost of funding earning assets | 0.5508% | 4,813 |
| Net interest margin | 4.7159% | 633 |
| Noninterest income to average assets | 0.7434% | 2,530 |
| Noninterest expense to average assets | 3.3373% | 2,232 |
| Loan and lease loss provision to assets | 0.2687% | 2,497 |
| Net operating income to assets | 1.0202% | 2,253 |
| Return on assets (ROA) | 1.0202% | 2,467 |
| Pretax return on assets | 1.4326% | 1,932 |
| Return on Equity (ROE) | 10.9453% | 1,821 |
| Retained earnings to average equity (ytd only) | 8.7743% | 888 |
| Net charge-offs to loans | 0.2245% | 3,596 |
| Credit loss provision to net charge-offs | 148.8806% | 1,832 |
| Earnings coverage of net charge-offs (x) | 9.4272% | 2,266 |
| Efficiency ratio | 66.2345% | 4,456 |
| Assets per employee ($millions) | 3.2763% | 5,465 |
| Cash dividends to net income (ytd only)* | 19.8350% | 3,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6338% | 3,169 |
| Loan loss allowance to noncurrent loans | 56.8354% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 2.4013% | 2,041 |
| Noncurrent loans to loans | 2.8745% | 1,824 |
| Net loans and leases to total assets | 80.7203% | 403 |
| Net loans and leases to deposits | 90.5536% | 1,022 |
| Net loans and leases to core deposits | 94.0004% | 1,469 |
| Total domestic deposits to total assets | 89.1409% | 1,476 |
| Equity capital to assets | 9.5606% | 4,805 |
| Core capital (leverage) ratio | 9.3884% | 4,270 |
| Tier 1 risk-based capital ratio | 11.2582% | 6,239 |
| Total risk-based capital ratio | 12.5128% | 6,206 |
| Memoranda: | ||
| Average total assets | $297,006,000 | 2,158 |
| Average earning assets | $270,509,800 | 2,156 |
| Average equity | $27,683,200 | 2,427 |
| Average total loans | $238,767,800 | 1,723 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2866% | 1,037 |
| Cost of funding earning assets | 0.5558% | 5,040 |
| Net interest margin | 4.7308% | 628 |
| Noninterest income to average assets | 0.7354% | 2,545 |
| Noninterest expense to average assets | 3.3582% | 2,110 |
| Loan and lease loss provision to assets | 0.2920% | 2,248 |
| Net operating income to assets | 1.0003% | 2,494 |
| Return on assets (ROA) | 1.0003% | 2,725 |
| Pretax return on assets | 1.3964% | 2,251 |
| Return on Equity (ROE) | 10.8028% | 2,028 |
| Retained earnings to average equity (ytd only) | 8.6762% | 1,355 |
| Net charge-offs to loans | 0.0997% | 4,388 |
| Credit loss provision to net charge-offs | 366.1017% | 734 |
| Earnings coverage of net charge-offs (x) | 21.1699% | 1,415 |
| Efficiency ratio | 66.5446% | 4,343 |
| Assets per employee ($millions) | 3.4256% | 5,149 |
| Cash dividends to net income (ytd only)* | 19.6846% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7349% | 3,022 |
| Loan loss allowance to noncurrent loans | 63.0283% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 2.2625% | 2,352 |
| Noncurrent loans to loans | 2.7526% | 2,060 |
| Net loans and leases to total assets | 80.7710% | 450 |
| Net loans and leases to deposits | 90.4987% | 1,100 |
| Net loans and leases to core deposits | 95.4897% | 1,453 |
| Total domestic deposits to total assets | 89.2510% | 1,282 |
| Equity capital to assets | 9.4692% | 5,247 |
| Core capital (leverage) ratio | 9.1889% | 4,780 |
| Tier 1 risk-based capital ratio | 11.0985% | 6,444 |
| Total risk-based capital ratio | 12.3543% | 6,415 |
| Memoranda: | ||
| Average total assets | $295,903,750 | 2,185 |
| Average earning assets | $269,658,250 | 2,185 |
| Average equity | $27,399,750 | 2,468 |
| Average total loans | $236,623,750 | 1,749 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3211% | 1,002 |
| Cost of funding earning assets | 0.5600% | 5,231 |
| Net interest margin | 4.7611% | 599 |
| Noninterest income to average assets | 0.7344% | 2,498 |
| Noninterest expense to average assets | 3.3679% | 2,106 |
| Loan and lease loss provision to assets | 0.1626% | 3,480 |
| Net operating income to assets | 1.0976% | 2,057 |
| Return on assets (ROA) | 1.0976% | 2,282 |
| Pretax return on assets | 1.5414% | 1,742 |
| Return on Equity (ROE) | 11.9443% | 1,682 |
| Retained earnings to average equity (ytd only) | 9.7987% | 1,031 |
| Net charge-offs to loans | 0.0932% | 4,220 |
| Credit loss provision to net charge-offs | 220.1835% | 1,292 |
| Earnings coverage of net charge-offs (x) | 23.0734% | 1,262 |
| Efficiency ratio | 66.4040% | 4,460 |
| Assets per employee ($millions) | 3.3083% | 5,432 |
| Cash dividends to net income (ytd only)* | 17.9630% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6581% | 3,399 |
| Loan loss allowance to noncurrent loans | 54.1027% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 2.4545% | 2,271 |
| Noncurrent loans to loans | 3.0646% | 1,918 |
| Net loans and leases to total assets | 78.7633% | 641 |
| Net loans and leases to deposits | 87.5409% | 1,417 |
| Net loans and leases to core deposits | 92.8074% | 1,703 |
| Total domestic deposits to total assets | 89.9731% | 941 |
| Equity capital to assets | 9.4315% | 5,156 |
| Core capital (leverage) ratio | 9.0287% | 4,868 |
| Tier 1 risk-based capital ratio | 11.2124% | 6,392 |
| Total risk-based capital ratio | 12.4667% | 6,372 |
| Memoranda: | ||
| Average total assets | $295,195,330 | 2,189 |
| Average earning assets | $268,930,330 | 2,198 |
| Average equity | $27,126,000 | 2,470 |
| Average total loans | $233,841,330 | 1,761 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3912% | 926 |
| Cost of funding earning assets | 0.5695% | 5,367 |
| Net interest margin | 4.8218% | 537 |
| Noninterest income to average assets | 0.7091% | 2,616 |
| Noninterest expense to average assets | 3.3832% | 2,044 |
| Loan and lease loss provision to assets | 0.2030% | 2,916 |
| Net operating income to assets | 1.0772% | 2,180 |
| Return on assets (ROA) | 1.0772% | 2,364 |
| Pretax return on assets | 1.5116% | 1,845 |
| Return on Equity (ROE) | 11.8788% | 1,706 |
| Retained earnings to average equity (ytd only) | 9.7000% | 1,352 |
| Net charge-offs to loans | 0.0344% | 4,213 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 63.3500% | 531 |
| Efficiency ratio | 66.3658% | 4,488 |
| Assets per employee ($millions) | 3.3674% | 5,413 |
| Cash dividends to net income (ytd only)* | 18.3417% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6930% | 3,378 |
| Loan loss allowance to noncurrent loans | 97.9449% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.3165% | 3,927 |
| Noncurrent loans to loans | 1.7285% | 3,518 |
| Net loans and leases to total assets | 74.8756% | 938 |
| Net loans and leases to deposits | 82.7456% | 1,828 |
| Net loans and leases to core deposits | 88.3588% | 2,009 |
| Total domestic deposits to total assets | 90.4889% | 810 |
| Equity capital to assets | 8.9458% | 5,577 |
| Core capital (leverage) ratio | 8.8505% | 5,065 |
| Tier 1 risk-based capital ratio | 11.2637% | 6,410 |
| Total risk-based capital ratio | 12.5191% | 6,385 |
| Memoranda: | ||
| Average total assets | $295,574,000 | 2,199 |
| Average earning assets | $269,030,000 | 2,210 |
| Average equity | $26,804,000 | 2,489 |
| Average total loans | $232,852,500 | 1,772 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6066% | 940 |
| Cost of funding earning assets | 0.7875% | 4,956 |
| Net interest margin | 4.8191% | 598 |
| Noninterest income to average assets | 0.6970% | 2,621 |
| Noninterest expense to average assets | 3.3969% | 2,251 |
| Loan and lease loss provision to assets | 0.3354% | 3,015 |
| Net operating income to assets | 0.9799% | 2,286 |
| Return on assets (ROA) | 0.9799% | 2,418 |
| Pretax return on assets | 1.3482% | 1,956 |
| Return on Equity (ROE) | 11.4616% | 1,569 |
| Retained earnings to average equity (ytd only) | 9.2320% | 740 |
| Net charge-offs to loans | 0.1796% | 4,711 |
| Credit loss provision to net charge-offs | 242.4020% | 994 |
| Earnings coverage of net charge-offs (x) | 12.1667% | 1,648 |
| Efficiency ratio | 66.8603% | 4,600 |
| Assets per employee ($millions) | 3.0647% | 5,967 |
| Cash dividends to net income (ytd only)* | 19.4531% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6090% | 3,549 |
| Loan loss allowance to noncurrent loans | 204.1599% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.6425% | 5,371 |
| Noncurrent loans to loans | 0.7881% | 5,105 |
| Net loans and leases to total assets | 80.2187% | 472 |
| Net loans and leases to deposits | 89.1071% | 1,256 |
| Net loans and leases to core deposits | 96.0443% | 1,488 |
| Total domestic deposits to total assets | 90.0250% | 982 |
| Equity capital to assets | 9.1974% | 5,290 |
| Core capital (leverage) ratio | 8.9042% | 4,930 |
| Tier 1 risk-based capital ratio | 10.7548% | 6,581 |
| Total risk-based capital ratio | 12.0088% | 6,557 |
| Memoranda: | ||
| Average total assets | $294,830,800 | 2,169 |
| Average earning assets | $268,183,400 | 2,183 |
| Average equity | $25,205,800 | 2,557 |
| Average total loans | $227,139,400 | 1,825 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5874% | 1,061 |
| Cost of funding earning assets | 0.8398% | 4,860 |
| Net interest margin | 4.7477% | 690 |
| Noninterest income to average assets | 0.6736% | 2,747 |
| Noninterest expense to average assets | 3.3508% | 2,349 |
| Loan and lease loss provision to assets | 0.3390% | 2,848 |
| Net operating income to assets | 0.9555% | 2,505 |
| Return on assets (ROA) | 0.9555% | 2,670 |
| Pretax return on assets | 1.3053% | 2,269 |
| Return on Equity (ROE) | 11.3862% | 1,729 |
| Retained earnings to average equity (ytd only) | 9.1572% | 1,088 |
| Net charge-offs to loans | 0.1492% | 4,575 |
| Credit loss provision to net charge-offs | 299.2063% | 961 |
| Earnings coverage of net charge-offs (x) | 14.5120% | 1,529 |
| Efficiency ratio | 67.0807% | 4,505 |
| Assets per employee ($millions) | 3.1843% | 5,720 |
| Cash dividends to net income (ytd only)* | 19.5764% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6504% | 3,446 |
| Loan loss allowance to noncurrent loans | 206.5885% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.6277% | 5,567 |
| Noncurrent loans to loans | 0.7989% | 5,274 |
| Net loans and leases to total assets | 76.0922% | 964 |
| Net loans and leases to deposits | 84.2687% | 1,961 |
| Net loans and leases to core deposits | 91.1490% | 2,099 |
| Total domestic deposits to total assets | 90.2972% | 723 |
| Equity capital to assets | 8.9691% | 5,792 |
| Core capital (leverage) ratio | 8.6315% | 5,502 |
| Tier 1 risk-based capital ratio | 10.8606% | 6,627 |
| Total risk-based capital ratio | 12.1149% | 6,601 |
| Memoranda: | ||
| Average total assets | $296,518,500 | 2,161 |
| Average earning assets | $269,908,500 | 2,177 |
| Average equity | $24,883,250 | 2,588 |
| Average total loans | $225,206,000 | 1,855 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4933% | 1,309 |
| Cost of funding earning assets | 0.8712% | 4,892 |
| Net interest margin | 4.6221% | 870 |
| Noninterest income to average assets | 0.6714% | 2,703 |
| Noninterest expense to average assets | 3.3565% | 2,381 |
| Loan and lease loss provision to assets | 0.3514% | 2,679 |
| Net operating income to assets | 0.8669% | 2,788 |
| Return on assets (ROA) | 0.8669% | 2,877 |
| Pretax return on assets | 1.1721% | 2,589 |
| Return on Equity (ROE) | 10.5652% | 1,932 |
| Retained earnings to average equity (ytd only) | 8.3053% | 1,340 |
| Net charge-offs to loans | 0.1658% | 4,181 |
| Credit loss provision to net charge-offs | 280.7487% | 1,088 |
| Earnings coverage of net charge-offs (x) | 12.1711% | 1,648 |
| Efficiency ratio | 68.7791% | 4,372 |
| Assets per employee ($millions) | 3.0975% | 5,885 |
| Cash dividends to net income (ytd only)* | 21.3900% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 3,782 |
| Loan loss allowance to noncurrent loans | 136.3146% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.9644% | 4,935 |
| Noncurrent loans to loans | 1.1589% | 4,723 |
| Net loans and leases to total assets | 75.6628% | 1,125 |
| Net loans and leases to deposits | 83.4503% | 2,192 |
| Net loans and leases to core deposits | 91.5411% | 2,194 |
| Total domestic deposits to total assets | 90.6681% | 651 |
| Equity capital to assets | 8.6120% | 6,047 |
| Core capital (leverage) ratio | 8.2523% | 5,946 |
| Tier 1 risk-based capital ratio | 10.8253% | 6,638 |
| Total risk-based capital ratio | 12.0794% | 6,610 |
| Memoranda: | ||
| Average total assets | $298,767,330 | 2,155 |
| Average earning assets | $272,042,670 | 2,160 |
| Average equity | $24,514,330 | 2,608 |
| Average total loans | $225,543,330 | 1,870 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3797% | 1,644 |
| Cost of funding earning assets | 0.9097% | 4,853 |
| Net interest margin | 4.4701% | 1,134 |
| Noninterest income to average assets | 0.6200% | 3,038 |
| Noninterest expense to average assets | 3.2918% | 2,586 |
| Loan and lease loss provision to assets | 0.2578% | 3,084 |
| Net operating income to assets | 0.8514% | 2,775 |
| Return on assets (ROA) | 0.8514% | 2,835 |
| Pretax return on assets | 1.1501% | 2,563 |
| Return on Equity (ROE) | 10.6297% | 1,864 |
| Retained earnings to average equity (ytd only) | 8.3519% | 1,602 |
| Net charge-offs to loans | 0.2668% | 2,999 |
| Credit loss provision to net charge-offs | 129.1391% | 2,141 |
| Earnings coverage of net charge-offs (x) | 7.0530% | 2,003 |
| Efficiency ratio | 70.0422% | 4,262 |
| Assets per employee ($millions) | 3.1671% | 5,803 |
| Cash dividends to net income (ytd only)* | 21.4286% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 4,393 |
| Loan loss allowance to noncurrent loans | 191.4944% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.5946% | 5,779 |
| Noncurrent loans to loans | 0.7622% | 5,506 |
| Net loans and leases to total assets | 72.7528% | 1,563 |
| Net loans and leases to deposits | 79.9322% | 2,733 |
| Net loans and leases to core deposits | 88.8750% | 2,495 |
| Total domestic deposits to total assets | 91.0181% | 622 |
| Equity capital to assets | 8.1420% | 6,353 |
| Core capital (leverage) ratio | 7.8659% | 6,401 |
| Tier 1 risk-based capital ratio | 10.5720% | 6,767 |
| Total risk-based capital ratio | 11.8244% | 6,755 |
| Memoranda: | ||
| Average total assets | $302,569,500 | 2,147 |
| Average earning assets | $276,148,000 | 2,145 |
| Average equity | $24,234,000 | 2,622 |
| Average total loans | $226,396,000 | 1,885 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7584% | 1,384 |
| Cost of funding earning assets | 1.3006% | 3,877 |
| Net interest margin | 4.4578% | 1,329 |
| Noninterest income to average assets | 0.7170% | 2,739 |
| Noninterest expense to average assets | 3.2479% | 2,921 |
| Loan and lease loss provision to assets | 0.4562% | 3,386 |
| Net operating income to assets | 0.8069% | 2,768 |
| Return on assets (ROA) | 0.8069% | 2,904 |
| Pretax return on assets | 1.0706% | 2,701 |
| Return on Equity (ROE) | 10.4305% | 1,783 |
| Retained earnings to average equity (ytd only) | 7.8304% | 1,034 |
| Net charge-offs to loans | 0.4066% | 4,013 |
| Credit loss provision to net charge-offs | 149.5633% | 2,424 |
| Earnings coverage of net charge-offs (x) | 5.0055% | 2,740 |
| Efficiency ratio | 68.0220% | 4,559 |
| Assets per employee ($millions) | 3.2369% | 5,575 |
| Cash dividends to net income (ytd only)* | 24.9278% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 4,580 |
| Loan loss allowance to noncurrent loans | 165.2713% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.6425% | 5,714 |
| Noncurrent loans to loans | 0.8389% | 5,376 |
| Net loans and leases to total assets | 74.7565% | 1,530 |
| Net loans and leases to deposits | 81.9906% | 2,809 |
| Net loans and leases to core deposits | 91.6575% | 2,537 |
| Total domestic deposits to total assets | 91.1769% | 519 |
| Equity capital to assets | 7.8783% | 6,611 |
| Core capital (leverage) ratio | 7.5744% | 6,639 |
| Tier 1 risk-based capital ratio | 9.9972% | 6,984 |
| Total risk-based capital ratio | 11.2484% | 6,967 |
| Memoranda: | ||
| Average total assets | $300,288,600 | 2,147 |
| Average earning assets | $273,342,000 | 2,161 |
| Average equity | $23,230,000 | 2,732 |
| Average total loans | $225,298,800 | 1,935 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7859% | 1,440 |
| Cost of funding earning assets | 1.3571% | 3,854 |
| Net interest margin | 4.4288% | 1,431 |
| Noninterest income to average assets | 0.6731% | 2,996 |
| Noninterest expense to average assets | 3.2770% | 2,649 |
| Loan and lease loss provision to assets | 0.4032% | 3,489 |
| Net operating income to assets | 0.7765% | 3,106 |
| Return on assets (ROA) | 0.7765% | 3,261 |
| Pretax return on assets | 1.0202% | 3,112 |
| Return on Equity (ROE) | 10.0845% | 2,092 |
| Retained earnings to average equity (ytd only) | 7.6024% | 1,558 |
| Net charge-offs to loans | 0.4084% | 3,660 |
| Credit loss provision to net charge-offs | 131.9242% | 3,060 |
| Earnings coverage of net charge-offs (x) | 4.6574% | 2,959 |
| Efficiency ratio | 69.7185% | 4,131 |
| Assets per employee ($millions) | 3.3597% | 5,301 |
| Cash dividends to net income (ytd only)* | 24.6129% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 4,899 |
| Loan loss allowance to noncurrent loans | 181.8907% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.5639% | 6,025 |
| Noncurrent loans to loans | 0.7209% | 5,771 |
| Net loans and leases to total assets | 72.1436% | 2,224 |
| Net loans and leases to deposits | 78.9834% | 3,639 |
| Net loans and leases to core deposits | 88.2871% | 3,333 |
| Total domestic deposits to total assets | 91.3402% | 348 |
| Equity capital to assets | 7.7429% | 6,974 |
| Core capital (leverage) ratio | 7.5762% | 6,785 |
| Tier 1 risk-based capital ratio | 9.8738% | 7,126 |
| Total risk-based capital ratio | 11.1242% | 7,121 |
| Memoranda: | ||
| Average total assets | $299,293,750 | 2,187 |
| Average earning assets | $272,149,250 | 2,195 |
| Average equity | $23,044,750 | 2,797 |
| Average total loans | $223,959,000 | 1,968 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8273% | 1,352 |
| Cost of funding earning assets | 1.4106% | 3,807 |
| Net interest margin | 4.4168% | 1,406 |
| Noninterest income to average assets | 0.6614% | 2,948 |
| Noninterest expense to average assets | 3.3321% | 2,455 |
| Loan and lease loss provision to assets | 0.3547% | 3,589 |
| Net operating income to assets | 0.7580% | 3,157 |
| Return on assets (ROA) | 0.7580% | 3,315 |
| Pretax return on assets | 0.9898% | 3,155 |
| Return on Equity (ROE) | 9.8643% | 2,150 |
| Retained earnings to average equity (ytd only) | 7.3235% | 1,709 |
| Net charge-offs to loans | 0.4550% | 3,173 |
| Credit loss provision to net charge-offs | 103.3465% | 3,945 |
| Earnings coverage of net charge-offs (x) | 3.9173% | 3,121 |
| Efficiency ratio | 71.2511% | 3,947 |
| Assets per employee ($millions) | 3.2236% | 5,624 |
| Cash dividends to net income (ytd only)* | 25.7576% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 5,234 |
| Loan loss allowance to noncurrent loans | 165.2304% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.6636% | 5,828 |
| Noncurrent loans to loans | 0.7508% | 5,764 |
| Net loans and leases to total assets | 74.1193% | 1,885 |
| Net loans and leases to deposits | 81.0957% | 3,418 |
| Net loans and leases to core deposits | 89.5249% | 3,339 |
| Total domestic deposits to total assets | 91.3973% | 360 |
| Equity capital to assets | 7.8107% | 6,915 |
| Core capital (leverage) ratio | 7.4271% | 6,896 |
| Tier 1 risk-based capital ratio | 9.8491% | 7,102 |
| Total risk-based capital ratio | 11.0619% | 7,109 |
| Memoranda: | ||
| Average total assets | $296,026,330 | 2,222 |
| Average earning assets | $269,111,670 | 2,236 |
| Average equity | $22,748,670 | 2,828 |
| Average total loans | $223,293,330 | 1,996 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8386% | 1,354 |
| Cost of funding earning assets | 1.4418% | 3,927 |
| Net interest margin | 4.3968% | 1,401 |
| Noninterest income to average assets | 0.5816% | 3,406 |
| Noninterest expense to average assets | 3.2851% | 2,574 |
| Loan and lease loss provision to assets | 0.3314% | 3,410 |
| Net operating income to assets | 0.7357% | 3,281 |
| Return on assets (ROA) | 0.7357% | 3,385 |
| Pretax return on assets | 0.9535% | 3,252 |
| Return on Equity (ROE) | 9.6535% | 2,223 |
| Retained earnings to average equity (ytd only) | 7.3466% | 1,996 |
| Net charge-offs to loans | 0.5509% | 2,428 |
| Credit loss provision to net charge-offs | 79.5455% | 3,888 |
| Earnings coverage of net charge-offs (x) | 3.0844% | 3,023 |
| Efficiency ratio | 71.8852% | 3,952 |
| Assets per employee ($millions) | 3.2313% | 5,697 |
| Cash dividends to net income (ytd only)* | 23.8971% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 5,378 |
| Loan loss allowance to noncurrent loans | 139.5627% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.8985% | 5,365 |
| Noncurrent loans to loans | 0.8760% | 5,562 |
| Net loans and leases to total assets | 72.8672% | 2,241 |
| Net loans and leases to deposits | 81.0228% | 3,459 |
| Net loans and leases to core deposits | 87.8813% | 3,636 |
| Total domestic deposits to total assets | 89.9342% | 1,020 |
| Equity capital to assets | 7.6246% | 6,980 |
| Core capital (leverage) ratio | 7.5067% | 6,843 |
| Tier 1 risk-based capital ratio | 9.7492% | 7,182 |
| Total risk-based capital ratio | 10.9374% | 7,206 |
| Memoranda: | ||
| Average total assets | $295,755,500 | 2,270 |
| Average earning assets | $268,284,500 | 2,293 |
| Average equity | $22,541,000 | 2,873 |
| Average total loans | $223,652,500 | 2,046 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2305% | 1,162 |
| Cost of funding earning assets | 1.9900% | 3,002 |
| Net interest margin | 4.2405% | 1,935 |
| Noninterest income to average assets | 0.8402% | 2,227 |
| Noninterest expense to average assets | 3.6767% | 1,961 |
| Loan and lease loss provision to assets | 0.5391% | 3,673 |
| Net operating income to assets | 0.4185% | 4,054 |
| Return on assets (ROA) | 0.4257% | 4,135 |
| Pretax return on assets | 0.4715% | 4,278 |
| Return on Equity (ROE) | 5.3975% | 3,470 |
| Retained earnings to average equity (ytd only) | 1.9112% | 3,760 |
| Net charge-offs to loans | 0.5826% | 3,473 |
| Credit loss provision to net charge-offs | 121.3410% | 4,387 |
| Earnings coverage of net charge-offs (x) | 2.2567% | 4,030 |
| Efficiency ratio | 78.5748% | 3,110 |
| Assets per employee ($millions) | 3.1302% | 5,912 |
| Cash dividends to net income (ytd only)* | 64.5904% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 5,333 |
| Loan loss allowance to noncurrent loans | 103.8607% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 1.2487% | 4,598 |
| Noncurrent loans to loans | 1.1587% | 5,009 |
| Net loans and leases to total assets | 76.5590% | 1,687 |
| Net loans and leases to deposits | 85.0576% | 3,070 |
| Net loans and leases to core deposits | 98.5743% | 4,167 |
| Total domestic deposits to total assets | 90.0084% | 955 |
| Equity capital to assets | 7.6184% | 6,933 |
| Core capital (leverage) ratio | 7.5095% | 6,779 |
| Tier 1 risk-based capital ratio | 9.1024% | 7,426 |
| Total risk-based capital ratio | 10.2597% | 7,483 |
| Memoranda: | ||
| Average total assets | $275,298,600 | 2,378 |
| Average earning assets | $249,242,200 | 2,412 |
| Average equity | $21,713,800 | 2,984 |
| Average total loans | $209,924,200 | 2,199 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3002% | 1,139 |
| Cost of funding earning assets | 2.1146% | 2,828 |
| Net interest margin | 4.1856% | 2,109 |
| Noninterest income to average assets | 0.8786% | 2,066 |
| Noninterest expense to average assets | 3.7742% | 1,649 |
| Loan and lease loss provision to assets | 0.4928% | 3,440 |
| Net operating income to assets | 0.3790% | 4,485 |
| Return on assets (ROA) | 0.3893% | 4,541 |
| Pretax return on assets | 0.4090% | 4,782 |
| Return on Equity (ROE) | 4.8904% | 4,013 |
| Retained earnings to average equity (ytd only) | 1.1328% | 4,689 |
| Net charge-offs to loans | 0.6400% | 2,761 |
| Credit loss provision to net charge-offs | 101.4199% | 5,017 |
| Earnings coverage of net charge-offs (x) | 1.8337% | 4,431 |
| Efficiency ratio | 80.9021% | 2,718 |
| Assets per employee ($millions) | 2.8238% | 6,598 |
| Cash dividends to net income (ytd only)* | 76.8349% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 5,493 |
| Loan loss allowance to noncurrent loans | 86.6065% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 1.3287% | 4,429 |
| Noncurrent loans to loans | 1.3131% | 4,744 |
| Net loans and leases to total assets | 76.8397% | 1,813 |
| Net loans and leases to deposits | 85.9606% | 3,324 |
| Net loans and leases to core deposits | 99.3271% | 4,452 |
| Total domestic deposits to total assets | 89.3895% | 1,022 |
| Equity capital to assets | 7.8203% | 7,014 |
| Core capital (leverage) ratio | 7.6549% | 6,792 |
| Tier 1 risk-based capital ratio | 9.3291% | 7,478 |
| Total risk-based capital ratio | 10.4197% | 7,552 |
| Memoranda: | ||
| Average total assets | $270,564,250 | 2,422 |
| Average earning assets | $244,767,500 | 2,470 |
| Average equity | $21,538,250 | 3,025 |
| Average total loans | $205,403,250 | 2,271 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2689% | 1,285 |
| Cost of funding earning assets | 2.2413% | 2,618 |
| Net interest margin | 4.0276% | 2,591 |
| Noninterest income to average assets | 0.8641% | 2,128 |
| Noninterest expense to average assets | 3.7911% | 1,672 |
| Loan and lease loss provision to assets | 0.4613% | 3,219 |
| Net operating income to assets | 0.2910% | 4,932 |
| Return on assets (ROA) | 0.2910% | 5,042 |
| Pretax return on assets | 0.2580% | 5,309 |
| Return on Equity (ROE) | 3.6335% | 4,654 |
| Retained earnings to average equity (ytd only) | -0.4120% | 5,327 |
| Net charge-offs to loans | 0.6925% | 2,318 |
| Credit loss provision to net charge-offs | 88.4892% | 4,967 |
| Earnings coverage of net charge-offs (x) | 1.3799% | 4,494 |
| Efficiency ratio | 84.0512% | 2,465 |
| Assets per employee ($millions) | 2.7076% | 6,808 |
| Cash dividends to net income (ytd only)* | 111.3402% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 5,157 |
| Loan loss allowance to noncurrent loans | 56.5443% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 1.8740% | 3,366 |
| Noncurrent loans to loans | 2.0640% | 3,430 |
| Net loans and leases to total assets | 75.1248% | 2,413 |
| Net loans and leases to deposits | 83.9211% | 3,891 |
| Net loans and leases to core deposits | 97.9741% | 4,703 |
| Total domestic deposits to total assets | 89.5184% | 1,033 |
| Equity capital to assets | 7.9137% | 6,855 |
| Core capital (leverage) ratio | 7.6944% | 6,766 |
| Tier 1 risk-based capital ratio | 9.7065% | 7,226 |
| Total risk-based capital ratio | 10.8103% | 7,295 |
| Memoranda: | ||
| Average total assets | $266,625,670 | 2,473 |
| Average earning assets | $241,383,000 | 2,509 |
| Average equity | $21,356,670 | 3,053 |
| Average total loans | $200,712,330 | 2,346 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2974% | 1,309 |
| Cost of funding earning assets | 2.3776% | 2,386 |
| Net interest margin | 3.9198% | 2,974 |
| Noninterest income to average assets | 0.8527% | 2,070 |
| Noninterest expense to average assets | 3.6121% | 1,842 |
| Loan and lease loss provision to assets | 0.4294% | 2,778 |
| Net operating income to assets | 0.3583% | 5,027 |
| Return on assets (ROA) | 0.3583% | 5,214 |
| Pretax return on assets | 0.3583% | 5,517 |
| Return on Equity (ROE) | 4.4462% | 4,728 |
| Retained earnings to average equity (ytd only) | 0.3940% | 5,500 |
| Net charge-offs to loans | 0.8437% | 1,544 |
| Credit loss provision to net charge-offs | 67.9426% | 4,389 |
| Earnings coverage of net charge-offs (x) | 1.2464% | 4,123 |
| Efficiency ratio | 82.0962% | 2,517 |
| Assets per employee ($millions) | 2.8342% | 6,566 |
| Cash dividends to net income (ytd only)* | 91.1392% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 4,883 |
| Loan loss allowance to noncurrent loans | 56.8798% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 1.8838% | 3,084 |
| Noncurrent loans to loans | 2.0883% | 3,137 |
| Net loans and leases to total assets | 72.5461% | 3,110 |
| Net loans and leases to deposits | 81.0783% | 4,439 |
| Net loans and leases to core deposits | 95.8515% | 4,987 |
| Total domestic deposits to total assets | 89.4766% | 1,022 |
| Equity capital to assets | 8.0164% | 6,779 |
| Core capital (leverage) ratio | 7.9625% | 6,527 |
| Tier 1 risk-based capital ratio | 10.0453% | 6,862 |
| Total risk-based capital ratio | 11.1585% | 6,921 |
| Memoranda: | ||
| Average total assets | $264,558,500 | 2,509 |
| Average earning assets | $239,401,000 | 2,539 |
| Average equity | $21,321,500 | 3,071 |
| Average total loans | $198,163,500 | 2,389 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9381% | 1,289 |
| Cost of funding earning assets | 2.6715% | 3,309 |
| Net interest margin | 4.2666% | 2,078 |
| Noninterest income to average assets | 0.9883% | 1,615 |
| Noninterest expense to average assets | 3.7418% | 1,871 |
| Loan and lease loss provision to assets | 0.4289% | 3,139 |
| Net operating income to assets | 0.5374% | 4,591 |
| Return on assets (ROA) | 0.5374% | 4,436 |
| Pretax return on assets | 0.6310% | 4,599 |
| Return on Equity (ROE) | 6.7356% | 3,658 |
| Retained earnings to average equity (ytd only) | 1.7268% | 4,179 |
| Net charge-offs to loans | 0.5410% | 2,204 |
| Credit loss provision to net charge-offs | 106.7235% | 5,029 |
| Earnings coverage of net charge-offs (x) | 2.6373% | 4,771 |
| Efficiency ratio | 77.9266% | 2,926 |
| Assets per employee ($millions) | 2.8247% | 6,504 |
| Cash dividends to net income (ytd only)* | 74.3626% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 4,142 |
| Loan loss allowance to noncurrent loans | 46.3679% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 2.0637% | 2,381 |
| Noncurrent loans to loans | 2.6957% | 2,009 |
| Net loans and leases to total assets | 75.4869% | 2,767 |
| Net loans and leases to deposits | 84.6266% | 4,319 |
| Net loans and leases to core deposits | 99.9490% | 4,827 |
| Total domestic deposits to total assets | 89.1999% | 961 |
| Equity capital to assets | 8.1037% | 6,688 |
| Core capital (leverage) ratio | 8.0547% | 6,398 |
| Tier 1 risk-based capital ratio | 10.0693% | 6,663 |
| Total risk-based capital ratio | 11.2505% | 6,617 |
| Memoranda: | ||
| Average total assets | $262,762,800 | 2,438 |
| Average earning assets | $234,847,600 | 2,507 |
| Average equity | $20,963,200 | 3,099 |
| Average total loans | $195,196,000 | 2,348 |