Home > Ann Arbor State Bank > Performance and Condition Ratios
Ann Arbor State 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 | 4.6093% | 2,572 |
| Cost of funding earning assets | 0.9791% | 1,818 |
| Net interest margin | 3.6302% | 3,035 |
| Noninterest income to average assets | 0.6437% | 2,032 |
| Noninterest expense to average assets | 2.7808% | 2,665 |
| Loan and lease loss provision to assets | 0.1171% | 1,807 |
| Net operating income to assets | 0.9913% | 2,877 |
| Return on assets (ROA) | 1.0349% | 2,806 |
| Pretax return on assets | 1.2509% | 2,665 |
| Return on Equity (ROE) | 8.7771% | 2,852 |
| Retained earnings to average equity (ytd only) | -1.0458% | 4,808 |
| Net charge-offs to loans | 0.2192% | 933 |
| Credit loss provision to net charge-offs | 73.8189% | 2,866 |
| Earnings coverage of net charge-offs (x) | 8.2953% | 2,785 |
| Efficiency ratio | 67.8860% | 2,483 |
| Assets per employee ($millions) | 6.2637% | 1,442 |
| Cash dividends to net income (ytd only)* | 111.9155% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7419% | 4,479 |
| Loan loss allowance to noncurrent loans | 525.3165% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 4,128 |
| Noncurrent loans to loans | 0.1412% | 3,965 |
| Net loans and leases to total assets | 69.5248% | 2,472 |
| Net loans and leases to deposits | 82.9644% | 2,444 |
| Net loans and leases to core deposits | 99.5272% | 1,603 |
| Total domestic deposits to total assets | 83.8008% | 2,910 |
| Equity capital to assets | 11.4313% | 2,587 |
| Core capital (leverage) ratio | 11.1482% | 2,378 |
| Tier 1 risk-based capital ratio | 13.9723% | 3,286 |
| Total risk-based capital ratio | 14.6150% | 3,484 |
| Memoranda: | ||
| Average total assets | $320,335,600 | 2,035 |
| Average earning assets | $304,665,200 | 1,996 |
| Average equity | $37,768,600 | 2,018 |
| Average total loans | $231,776,600 | 1,945 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6177% | 2,667 |
| Cost of funding earning assets | 0.9778% | 1,859 |
| Net interest margin | 3.6399% | 3,131 |
| Noninterest income to average assets | 0.6048% | 2,178 |
| Noninterest expense to average assets | 2.4540% | 3,555 |
| Loan and lease loss provision to assets | 0.1061% | 1,822 |
| Net operating income to assets | 1.2275% | 2,100 |
| Return on assets (ROA) | 1.2528% | 2,089 |
| Pretax return on assets | 1.5315% | 1,867 |
| Return on Equity (ROE) | 10.5455% | 2,194 |
| Retained earnings to average equity (ytd only) | 10.5455% | 616 |
| Net charge-offs to loans | 0.0570% | 2,014 |
| Credit loss provision to net charge-offs | 255.0000% | 1,076 |
| Earnings coverage of net charge-offs (x) | 38.6300% | 1,403 |
| Efficiency ratio | 60.4322% | 3,552 |
| Assets per employee ($millions) | 6.5310% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8258% | 4,326 |
| Loan loss allowance to noncurrent loans | 269.4329% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 3,705 |
| Noncurrent loans to loans | 0.3065% | 3,435 |
| Net loans and leases to total assets | 70.2391% | 2,432 |
| Net loans and leases to deposits | 84.2858% | 2,424 |
| Net loans and leases to core deposits | 102.7629% | 1,436 |
| Total domestic deposits to total assets | 83.3344% | 3,054 |
| Equity capital to assets | 12.0241% | 2,245 |
| Core capital (leverage) ratio | 12.2512% | 1,707 |
| Tier 1 risk-based capital ratio | 14.6794% | 2,995 |
| Total risk-based capital ratio | 15.4033% | 3,156 |
| Memoranda: | ||
| Average total assets | $320,557,750 | 2,045 |
| Average earning assets | $304,360,500 | 2,006 |
| Average equity | $38,081,500 | 2,022 |
| Average total loans | $233,782,000 | 1,951 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6562% | 2,495 |
| Cost of funding earning assets | 0.9606% | 1,860 |
| Net interest margin | 3.6956% | 2,944 |
| Noninterest income to average assets | 0.5594% | 2,345 |
| Noninterest expense to average assets | 2.4205% | 3,683 |
| Loan and lease loss provision to assets | 0.1169% | 1,602 |
| Net operating income to assets | 1.2652% | 1,895 |
| Return on assets (ROA) | 1.2750% | 1,928 |
| Pretax return on assets | 1.5481% | 1,707 |
| Return on Equity (ROE) | 10.7788% | 2,065 |
| Retained earnings to average equity (ytd only) | 10.7788% | 584 |
| Net charge-offs to loans | 0.0858% | 1,507 |
| Credit loss provision to net charge-offs | 185.0000% | 1,290 |
| Earnings coverage of net charge-offs (x) | 26.1500% | 1,577 |
| Efficiency ratio | 59.4196% | 3,806 |
| Assets per employee ($millions) | 6.2763% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8180% | 4,375 |
| Loan loss allowance to noncurrent loans | 259.7510% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.2259% | 3,670 |
| Noncurrent loans to loans | 0.3149% | 3,409 |
| Net loans and leases to total assets | 71.1423% | 2,353 |
| Net loans and leases to deposits | 86.6960% | 2,172 |
| Net loans and leases to core deposits | 106.5237% | 1,216 |
| Total domestic deposits to total assets | 82.0595% | 3,496 |
| Equity capital to assets | 12.1768% | 2,065 |
| Core capital (leverage) ratio | 12.2009% | 1,700 |
| Tier 1 risk-based capital ratio | 14.8256% | 2,906 |
| Total risk-based capital ratio | 15.5487% | 3,086 |
| Memoranda: | ||
| Average total assets | $316,383,330 | 2,074 |
| Average earning assets | $300,846,670 | 2,034 |
| Average equity | $37,425,330 | 2,041 |
| Average total loans | $233,075,670 | 1,959 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6177% | 2,473 |
| Cost of funding earning assets | 0.9345% | 1,868 |
| Net interest margin | 3.6832% | 2,956 |
| Noninterest income to average assets | 0.4273% | 2,995 |
| Noninterest expense to average assets | 2.3413% | 3,920 |
| Loan and lease loss provision to assets | 0.1145% | 1,544 |
| Net operating income to assets | 1.2173% | 1,997 |
| Return on assets (ROA) | 1.2183% | 2,042 |
| Pretax return on assets | 1.4714% | 1,863 |
| Return on Equity (ROE) | 10.4558% | 2,173 |
| Retained earnings to average equity (ytd only) | 10.4558% | 931 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6372% | 3,856 |
| Assets per employee ($millions) | 6.2713% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8062% | 4,502 |
| Loan loss allowance to noncurrent loans | 228.7971% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 3,584 |
| Noncurrent loans to loans | 0.3524% | 3,317 |
| Net loans and leases to total assets | 72.4400% | 2,087 |
| Net loans and leases to deposits | 88.6363% | 1,786 |
| Net loans and leases to core deposits | 109.1066% | 977 |
| Total domestic deposits to total assets | 81.7273% | 3,795 |
| Equity capital to assets | 11.6869% | 2,246 |
| Core capital (leverage) ratio | 11.9626% | 1,799 |
| Tier 1 risk-based capital ratio | 14.1027% | 3,296 |
| Total risk-based capital ratio | 14.8120% | 3,487 |
| Memoranda: | ||
| Average total assets | $314,529,500 | 2,098 |
| Average earning assets | $298,764,500 | 2,056 |
| Average equity | $36,649,500 | 2,072 |
| Average total loans | $234,814,500 | 1,960 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5947% | 2,146 |
| Cost of funding earning assets | 0.7116% | 2,014 |
| Net interest margin | 3.8831% | 2,385 |
| Noninterest income to average assets | 0.5653% | 2,469 |
| Noninterest expense to average assets | 2.5322% | 3,515 |
| Loan and lease loss provision to assets | 0.0749% | 2,633 |
| Net operating income to assets | 1.3564% | 1,592 |
| Return on assets (ROA) | 1.3727% | 1,511 |
| Pretax return on assets | 1.6655% | 1,260 |
| Return on Equity (ROE) | 12.1717% | 1,652 |
| Retained earnings to average equity (ytd only) | 11.5817% | 367 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5447% | 3,937 |
| Assets per employee ($millions) | 5.9466% | 1,562 |
| Cash dividends to net income (ytd only)* | 4.8473% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7596% | 4,648 |
| 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 | 75.7588% | 1,655 |
| Net loans and leases to deposits | 92.7642% | 1,430 |
| Net loans and leases to core deposits | 110.6915% | 959 |
| Total domestic deposits to total assets | 81.6682% | 3,729 |
| Equity capital to assets | 11.6162% | 2,165 |
| Core capital (leverage) ratio | 11.6418% | 1,998 |
| Tier 1 risk-based capital ratio | 13.6277% | 3,475 |
| Total risk-based capital ratio | 14.2975% | 3,708 |
| Memoranda: | ||
| Average total assets | $300,565,400 | 2,155 |
| Average earning assets | $285,417,000 | 2,102 |
| Average equity | $33,898,400 | 2,120 |
| Average total loans | $220,860,000 | 2,014 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5221% | 2,221 |
| Cost of funding earning assets | 0.6681% | 2,043 |
| Net interest margin | 3.8540% | 2,461 |
| Noninterest income to average assets | 0.5996% | 2,310 |
| Noninterest expense to average assets | 2.5535% | 3,430 |
| Loan and lease loss provision to assets | 0.0737% | 2,480 |
| Net operating income to assets | 1.3422% | 1,694 |
| Return on assets (ROA) | 1.3583% | 1,637 |
| Pretax return on assets | 1.6519% | 1,410 |
| Return on Equity (ROE) | 12.1380% | 1,743 |
| Retained earnings to average equity (ytd only) | 12.1380% | 464 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9496% | 3,819 |
| Assets per employee ($millions) | 6.0732% | 1,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7654% | 4,720 |
| 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 | 72.5434% | 2,242 |
| Net loans and leases to deposits | 86.4911% | 2,322 |
| Net loans and leases to core deposits | 101.2144% | 1,677 |
| Total domestic deposits to total assets | 83.8739% | 2,989 |
| Equity capital to assets | 11.1819% | 2,495 |
| Core capital (leverage) ratio | 11.5506% | 2,138 |
| Tier 1 risk-based capital ratio | 13.5686% | 3,591 |
| Total risk-based capital ratio | 14.2292% | 3,827 |
| Memoranda: | ||
| Average total assets | $298,401,250 | 2,175 |
| Average earning assets | $283,372,000 | 2,127 |
| Average equity | $33,393,000 | 2,142 |
| Average total loans | $217,061,000 | 2,055 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4621% | 2,210 |
| Cost of funding earning assets | 0.6132% | 2,145 |
| Net interest margin | 3.8489% | 2,388 |
| Noninterest income to average assets | 0.5906% | 2,378 |
| Noninterest expense to average assets | 2.5456% | 3,499 |
| Loan and lease loss provision to assets | 0.0849% | 2,217 |
| Net operating income to assets | 1.3325% | 1,656 |
| Return on assets (ROA) | 1.3488% | 1,609 |
| Pretax return on assets | 1.6312% | 1,399 |
| Return on Equity (ROE) | 12.0500% | 1,706 |
| Retained earnings to average equity (ytd only) | 12.0500% | 507 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0096% | 3,932 |
| Assets per employee ($millions) | 5.9242% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7759% | 4,765 |
| 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 | 71.6585% | 2,331 |
| Net loans and leases to deposits | 85.9311% | 2,322 |
| Net loans and leases to core deposits | 102.9652% | 1,488 |
| Total domestic deposits to total assets | 83.3906% | 3,287 |
| Equity capital to assets | 11.1784% | 2,478 |
| Core capital (leverage) ratio | 11.4936% | 2,083 |
| Tier 1 risk-based capital ratio | 13.7637% | 3,474 |
| Total risk-based capital ratio | 14.4384% | 3,711 |
| Memoranda: | ||
| Average total assets | $294,624,000 | 2,203 |
| Average earning assets | $279,507,000 | 2,160 |
| Average equity | $32,979,330 | 2,171 |
| Average total loans | $213,940,000 | 2,077 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3742% | 2,280 |
| Cost of funding earning assets | 0.4973% | 2,815 |
| Net interest margin | 3.8769% | 2,133 |
| Noninterest income to average assets | 0.5281% | 2,643 |
| Noninterest expense to average assets | 2.5647% | 3,443 |
| Loan and lease loss provision to assets | 0.1169% | 1,617 |
| Net operating income to assets | 1.2671% | 1,757 |
| Return on assets (ROA) | 1.2831% | 1,710 |
| Pretax return on assets | 1.5430% | 1,557 |
| Return on Equity (ROE) | 11.4542% | 1,787 |
| Retained earnings to average equity (ytd only) | 11.4542% | 796 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9876% | 3,946 |
| Assets per employee ($millions) | 6.0356% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7793% | 4,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 72.6497% | 2,068 |
| Net loans and leases to deposits | 88.5058% | 1,869 |
| Net loans and leases to core deposits | 108.9135% | 1,068 |
| Total domestic deposits to total assets | 82.0847% | 3,933 |
| Equity capital to assets | 11.3211% | 2,283 |
| Core capital (leverage) ratio | 11.4262% | 2,067 |
| Tier 1 risk-based capital ratio | 13.7070% | 3,542 |
| Total risk-based capital ratio | 14.3838% | 3,791 |
| Memoranda: | ||
| Average total assets | $290,868,000 | 2,246 |
| Average earning assets | $275,888,000 | 2,205 |
| Average equity | $32,582,000 | 2,199 |
| Average total loans | $211,810,500 | 2,101 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2552% | 2,479 |
| Cost of funding earning assets | 0.4316% | 2,947 |
| Net interest margin | 3.8236% | 2,344 |
| Noninterest income to average assets | 0.7771% | 1,654 |
| Noninterest expense to average assets | 2.6362% | 3,328 |
| Loan and lease loss provision to assets | 0.0668% | 2,872 |
| Net operating income to assets | 1.1608% | 1,645 |
| Return on assets (ROA) | 1.2086% | 1,523 |
| Pretax return on assets | 1.7568% | 884 |
| Return on Equity (ROE) | 10.9187% | 1,516 |
| Retained earnings to average equity (ytd only) | 8.5361% | 607 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0432% | 4,258 |
| Assets per employee ($millions) | 6.2134% | 1,373 |
| Cash dividends to net income (ytd only)* | 21.8214% | 3,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7414% | 4,975 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 71.8863% | 2,256 |
| Net loans and leases to deposits | 86.9970% | 2,135 |
| Net loans and leases to core deposits | 106.2539% | 1,252 |
| Total domestic deposits to total assets | 82.6308% | 3,680 |
| Equity capital to assets | 11.0832% | 2,554 |
| Core capital (leverage) ratio | 10.8629% | 2,466 |
| Tier 1 risk-based capital ratio | 13.3542% | 3,714 |
| Total risk-based capital ratio | 13.9976% | 3,961 |
| Memoranda: | ||
| Average total assets | $284,387,600 | 2,259 |
| Average earning assets | $268,754,000 | 2,217 |
| Average equity | $31,478,200 | 2,255 |
| Average total loans | $197,846,800 | 2,172 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1881% | 2,657 |
| Cost of funding earning assets | 0.4142% | 3,045 |
| Net interest margin | 3.7739% | 2,490 |
| Noninterest income to average assets | 0.7760% | 1,679 |
| Noninterest expense to average assets | 2.6706% | 3,161 |
| Loan and lease loss provision to assets | 0.0590% | 2,901 |
| Net operating income to assets | 1.1676% | 1,808 |
| Return on assets (ROA) | 1.2230% | 1,631 |
| Pretax return on assets | 1.6884% | 1,155 |
| Return on Equity (ROE) | 11.0524% | 1,678 |
| Retained earnings to average equity (ytd only) | 11.0524% | 411 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5201% | 3,954 |
| Assets per employee ($millions) | 6.1709% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7011% | 5,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 71.8685% | 2,269 |
| Net loans and leases to deposits | 86.8850% | 2,196 |
| Net loans and leases to core deposits | 104.9881% | 1,335 |
| Total domestic deposits to total assets | 82.7169% | 3,545 |
| Equity capital to assets | 11.0475% | 2,823 |
| Core capital (leverage) ratio | 11.0541% | 2,406 |
| Tier 1 risk-based capital ratio | 13.1857% | 3,885 |
| Total risk-based capital ratio | 13.7972% | 4,198 |
| Memoranda: | ||
| Average total assets | $282,477,500 | 2,286 |
| Average earning assets | $266,842,250 | 2,242 |
| Average equity | $31,256,250 | 2,285 |
| Average total loans | $194,434,500 | 2,217 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1164% | 2,774 |
| Cost of funding earning assets | 0.4052% | 3,019 |
| Net interest margin | 3.7112% | 2,617 |
| Noninterest income to average assets | 0.7405% | 1,809 |
| Noninterest expense to average assets | 2.6139% | 3,387 |
| Loan and lease loss provision to assets | 0.0684% | 2,600 |
| Net operating income to assets | 1.1670% | 1,714 |
| Return on assets (ROA) | 1.2350% | 1,516 |
| Pretax return on assets | 1.6488% | 1,198 |
| Return on Equity (ROE) | 11.1547% | 1,582 |
| Retained earnings to average equity (ytd only) | 11.1547% | 418 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6429% | 4,060 |
| Assets per employee ($millions) | 5.6667% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7411% | 5,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 68.2602% | 2,775 |
| Net loans and leases to deposits | 82.0184% | 2,700 |
| Net loans and leases to core deposits | 97.5595% | 1,846 |
| Total domestic deposits to total assets | 83.2254% | 3,494 |
| Equity capital to assets | 11.0546% | 2,745 |
| Core capital (leverage) ratio | 11.2785% | 2,147 |
| Tier 1 risk-based capital ratio | 14.0507% | 3,407 |
| Total risk-based capital ratio | 14.7071% | 3,636 |
| Memoranda: | ||
| Average total assets | $277,902,670 | 2,321 |
| Average earning assets | $262,071,000 | 2,287 |
| Average equity | $30,767,330 | 2,314 |
| Average total loans | $187,786,330 | 2,276 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0883% | 2,694 |
| Cost of funding earning assets | 0.3975% | 3,014 |
| Net interest margin | 3.6908% | 2,513 |
| Noninterest income to average assets | 0.5875% | 2,475 |
| Noninterest expense to average assets | 2.3602% | 4,229 |
| Loan and lease loss provision to assets | 0.0441% | 2,915 |
| Net operating income to assets | 1.3333% | 1,158 |
| Return on assets (ROA) | 1.3732% | 1,088 |
| Pretax return on assets | 1.7110% | 982 |
| Return on Equity (ROE) | 12.3935% | 1,139 |
| Retained earnings to average equity (ytd only) | 12.3935% | 435 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0564% | 4,707 |
| Assets per employee ($millions) | 5.5082% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7634% | 5,167 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 66.4581% | 2,904 |
| Net loans and leases to deposits | 80.8966% | 2,631 |
| Net loans and leases to core deposits | 94.2036% | 1,970 |
| Total domestic deposits to total assets | 82.1519% | 4,128 |
| Equity capital to assets | 11.1725% | 2,458 |
| Core capital (leverage) ratio | 11.2881% | 2,112 |
| Tier 1 risk-based capital ratio | 13.8808% | 3,558 |
| Total risk-based capital ratio | 14.5238% | 3,822 |
| Memoranda: | ||
| Average total assets | $272,352,500 | 2,380 |
| Average earning assets | $256,635,500 | 2,342 |
| Average equity | $30,177,000 | 2,363 |
| Average total loans | $182,306,000 | 2,342 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0084% | 3,168 |
| Cost of funding earning assets | 0.4066% | 2,941 |
| Net interest margin | 3.6018% | 3,061 |
| Noninterest income to average assets | 1.0167% | 1,096 |
| Noninterest expense to average assets | 2.7145% | 3,303 |
| Loan and lease loss provision to assets | 0.0988% | 2,403 |
| Net operating income to assets | 1.1676% | 1,617 |
| Return on assets (ROA) | 1.2251% | 1,516 |
| Pretax return on assets | 1.6932% | 1,017 |
| Return on Equity (ROE) | 10.9870% | 1,580 |
| Retained earnings to average equity (ytd only) | 9.9605% | 413 |
| Net charge-offs to loans | 0.0245% | 3,556 |
| Credit loss provision to net charge-offs | 631.7073% | 542 |
| Earnings coverage of net charge-offs (x) | 109.4634% | 549 |
| Efficiency ratio | 61.3203% | 4,368 |
| Assets per employee ($millions) | 5.2803% | 2,086 |
| Cash dividends to net income (ytd only)* | 9.3429% | 4,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7648% | 5,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 66.3932% | 3,017 |
| Net loans and leases to deposits | 80.7876% | 2,802 |
| Net loans and leases to core deposits | 94.3968% | 2,068 |
| Total domestic deposits to total assets | 82.1825% | 4,020 |
| Equity capital to assets | 10.9856% | 2,638 |
| Core capital (leverage) ratio | 11.0256% | 2,314 |
| Tier 1 risk-based capital ratio | 13.7450% | 3,616 |
| Total risk-based capital ratio | 14.3807% | 3,906 |
| Memoranda: | ||
| Average total assets | $262,110,600 | 2,420 |
| Average earning assets | $248,154,000 | 2,373 |
| Average equity | $29,225,400 | 2,428 |
| Average total loans | $167,349,800 | 2,441 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9860% | 3,277 |
| Cost of funding earning assets | 0.4066% | 2,963 |
| Net interest margin | 3.5794% | 3,163 |
| Noninterest income to average assets | 1.0551% | 1,018 |
| Noninterest expense to average assets | 2.5871% | 3,711 |
| Loan and lease loss provision to assets | 0.1122% | 2,050 |
| Net operating income to assets | 1.2888% | 1,326 |
| Return on assets (ROA) | 1.3517% | 1,240 |
| Pretax return on assets | 1.8316% | 840 |
| Return on Equity (ROE) | 12.0765% | 1,305 |
| Retained earnings to average equity (ytd only) | 12.0765% | 295 |
| Net charge-offs to loans | 0.0333% | 2,972 |
| Credit loss provision to net charge-offs | 534.1463% | 669 |
| Earnings coverage of net charge-offs (x) | 88.5047% | 713 |
| Efficiency ratio | 58.1912% | 4,789 |
| Assets per employee ($millions) | 5.8809% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7510% | 5,318 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 65.3618% | 3,226 |
| Net loans and leases to deposits | 79.8762% | 2,983 |
| Net loans and leases to core deposits | 93.1219% | 2,264 |
| Total domestic deposits to total assets | 81.8288% | 3,987 |
| Equity capital to assets | 11.3015% | 2,704 |
| Core capital (leverage) ratio | 11.1457% | 2,315 |
| Tier 1 risk-based capital ratio | 13.7380% | 3,719 |
| Total risk-based capital ratio | 14.3724% | 3,992 |
| Memoranda: | ||
| Average total assets | $260,314,000 | 2,449 |
| Average earning assets | $246,591,500 | 2,395 |
| Average equity | $29,135,750 | 2,445 |
| Average total loans | $164,144,000 | 2,477 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9881% | 3,280 |
| Cost of funding earning assets | 0.4032% | 3,004 |
| Net interest margin | 3.5849% | 3,158 |
| Noninterest income to average assets | 0.9505% | 1,239 |
| Noninterest expense to average assets | 2.2918% | 4,631 |
| Loan and lease loss provision to assets | 0.1199% | 1,898 |
| Net operating income to assets | 1.4942% | 900 |
| Return on assets (ROA) | 1.5733% | 810 |
| Pretax return on assets | 2.0396% | 529 |
| Return on Equity (ROE) | 14.1049% | 813 |
| Retained earnings to average equity (ytd only) | 14.1049% | 180 |
| Net charge-offs to loans | 0.0514% | 2,465 |
| Credit loss provision to net charge-offs | 375.6098% | 808 |
| Earnings coverage of net charge-offs (x) | 64.4390% | 834 |
| Efficiency ratio | 52.7032% | 5,404 |
| Assets per employee ($millions) | 6.1172% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7530% | 5,397 |
| Loan loss allowance to noncurrent loans | 707.2222% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 5,280 |
| Noncurrent loans to loans | 0.1065% | 5,018 |
| Net loans and leases to total assets | 63.7858% | 3,397 |
| Net loans and leases to deposits | 78.6360% | 3,094 |
| Net loans and leases to core deposits | 92.6087% | 2,297 |
| Total domestic deposits to total assets | 81.1153% | 4,240 |
| Equity capital to assets | 11.3961% | 2,644 |
| Core capital (leverage) ratio | 11.2660% | 2,178 |
| Tier 1 risk-based capital ratio | 14.4234% | 3,362 |
| Total risk-based capital ratio | 15.0736% | 3,629 |
| Memoranda: | ||
| Average total assets | $256,911,330 | 2,475 |
| Average earning assets | $243,522,330 | 2,433 |
| Average equity | $28,656,670 | 2,485 |
| Average total loans | $159,473,330 | 2,539 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9791% | 3,292 |
| Cost of funding earning assets | 0.4004% | 3,059 |
| Net interest margin | 3.5787% | 3,169 |
| Noninterest income to average assets | 0.8131% | 1,579 |
| Noninterest expense to average assets | 2.4834% | 4,120 |
| Loan and lease loss provision to assets | 0.1008% | 2,009 |
| Net operating income to assets | 1.2251% | 1,476 |
| Return on assets (ROA) | 1.2937% | 1,356 |
| Pretax return on assets | 1.7144% | 1,039 |
| Return on Equity (ROE) | 11.7298% | 1,393 |
| Retained earnings to average equity (ytd only) | 11.7298% | 544 |
| Net charge-offs to loans | 0.1060% | 1,492 |
| Credit loss provision to net charge-offs | 156.0976% | 1,247 |
| Earnings coverage of net charge-offs (x) | 26.6829% | 1,264 |
| Efficiency ratio | 59.0262% | 4,869 |
| Assets per employee ($millions) | 5.8898% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7527% | 5,486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 60.1929% | 3,746 |
| Net loans and leases to deposits | 72.2626% | 3,624 |
| Net loans and leases to core deposits | 84.8737% | 2,857 |
| Total domestic deposits to total assets | 83.2974% | 3,791 |
| Equity capital to assets | 11.0198% | 2,916 |
| Core capital (leverage) ratio | 11.0853% | 2,329 |
| Tier 1 risk-based capital ratio | 14.8417% | 3,227 |
| Total risk-based capital ratio | 15.4848% | 3,474 |
| Memoranda: | ||
| Average total assets | $253,848,000 | 2,512 |
| Average earning assets | $240,760,500 | 2,460 |
| Average equity | $27,997,000 | 2,532 |
| Average total loans | $154,683,000 | 2,586 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0293% | 3,202 |
| Cost of funding earning assets | 0.4004% | 3,158 |
| Net interest margin | 3.6288% | 3,020 |
| Noninterest income to average assets | 0.8159% | 1,724 |
| Noninterest expense to average assets | 2.5283% | 4,134 |
| Loan and lease loss provision to assets | 0.0836% | 2,619 |
| Net operating income to assets | 1.2533% | 1,381 |
| Return on assets (ROA) | 1.3168% | 1,277 |
| Pretax return on assets | 1.7404% | 914 |
| Return on Equity (ROE) | 11.9927% | 1,303 |
| Retained earnings to average equity (ytd only) | 11.9927% | 250 |
| Net charge-offs to loans | 0.1658% | 1,708 |
| Credit loss provision to net charge-offs | 83.3333% | 2,887 |
| Earnings coverage of net charge-offs (x) | 17.3583% | 2,082 |
| Efficiency ratio | 59.2288% | 5,003 |
| Assets per employee ($millions) | 5.7801% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7622% | 5,502 |
| Loan loss allowance to noncurrent loans | 1,705.8824% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 5,586 |
| Noncurrent loans to loans | 0.0447% | 5,338 |
| Net loans and leases to total assets | 60.7667% | 3,730 |
| Net loans and leases to deposits | 74.1283% | 3,481 |
| Net loans and leases to core deposits | 87.8154% | 2,621 |
| Total domestic deposits to total assets | 81.9750% | 4,171 |
| Equity capital to assets | 11.0387% | 2,782 |
| Core capital (leverage) ratio | 10.8902% | 2,503 |
| Tier 1 risk-based capital ratio | 14.8346% | 3,256 |
| Total risk-based capital ratio | 15.4813% | 3,500 |
| Memoranda: | ||
| Average total assets | $239,370,600 | 2,583 |
| Average earning assets | $227,759,400 | 2,526 |
| Average equity | $26,282,600 | 2,604 |
| Average total loans | $144,749,200 | 2,671 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0058% | 3,316 |
| Cost of funding earning assets | 0.3996% | 3,228 |
| Net interest margin | 3.6062% | 3,137 |
| Noninterest income to average assets | 0.8408% | 1,650 |
| Noninterest expense to average assets | 2.4824% | 4,253 |
| Loan and lease loss provision to assets | 0.0872% | 2,412 |
| Net operating income to assets | 1.2954% | 1,353 |
| Return on assets (ROA) | 1.3565% | 1,259 |
| Pretax return on assets | 1.7828% | 929 |
| Return on Equity (ROE) | 12.3717% | 1,277 |
| Retained earnings to average equity (ytd only) | 12.3717% | 327 |
| Net charge-offs to loans | 0.1306% | 1,832 |
| Credit loss provision to net charge-offs | 110.7143% | 2,109 |
| Earnings coverage of net charge-offs (x) | 22.7288% | 1,766 |
| Efficiency ratio | 58.1095% | 5,108 |
| Assets per employee ($millions) | 6.2650% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7864% | 5,556 |
| Loan loss allowance to noncurrent loans | 723.2143% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 5,494 |
| Noncurrent loans to loans | 0.1087% | 5,201 |
| Net loans and leases to total assets | 61.1661% | 3,711 |
| Net loans and leases to deposits | 74.5189% | 3,487 |
| Net loans and leases to core deposits | 87.2074% | 2,736 |
| Total domestic deposits to total assets | 82.0813% | 4,136 |
| Equity capital to assets | 10.8919% | 3,135 |
| Core capital (leverage) ratio | 11.3500% | 2,153 |
| Tier 1 risk-based capital ratio | 15.0060% | 3,287 |
| Total risk-based capital ratio | 15.6968% | 3,515 |
| Memoranda: | ||
| Average total assets | $237,077,250 | 2,614 |
| Average earning assets | $225,566,500 | 2,564 |
| Average equity | $25,994,250 | 2,642 |
| Average total loans | $142,888,500 | 2,715 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0257% | 3,183 |
| Cost of funding earning assets | 0.4006% | 3,273 |
| Net interest margin | 3.6251% | 2,997 |
| Noninterest income to average assets | 0.7731% | 1,907 |
| Noninterest expense to average assets | 2.4973% | 4,251 |
| Loan and lease loss provision to assets | 0.0817% | 2,476 |
| Net operating income to assets | 1.2472% | 1,475 |
| Return on assets (ROA) | 1.3054% | 1,368 |
| Pretax return on assets | 1.7259% | 1,034 |
| Return on Equity (ROE) | 11.8776% | 1,410 |
| Retained earnings to average equity (ytd only) | 11.8776% | 405 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0604% | 5,103 |
| Assets per employee ($millions) | 5.8455% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8846% | 5,354 |
| Loan loss allowance to noncurrent loans | 269.7917% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 5,046 |
| Noncurrent loans to loans | 0.3279% | 4,518 |
| Net loans and leases to total assets | 62.0563% | 3,540 |
| Net loans and leases to deposits | 77.4722% | 3,096 |
| Net loans and leases to core deposits | 91.6655% | 2,186 |
| Total domestic deposits to total assets | 80.1014% | 4,841 |
| Equity capital to assets | 11.1607% | 2,708 |
| Core capital (leverage) ratio | 11.1912% | 2,253 |
| Tier 1 risk-based capital ratio | 14.9296% | 3,396 |
| Total risk-based capital ratio | 15.6876% | 3,596 |
| Memoranda: | ||
| Average total assets | $232,570,330 | 2,682 |
| Average earning assets | $221,673,670 | 2,611 |
| Average equity | $25,560,670 | 2,682 |
| Average total loans | $139,019,330 | 2,762 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9642% | 3,362 |
| Cost of funding earning assets | 0.3968% | 3,341 |
| Net interest margin | 3.5674% | 3,139 |
| Noninterest income to average assets | 0.7140% | 2,106 |
| Noninterest expense to average assets | 2.2454% | 5,019 |
| Loan and lease loss provision to assets | 0.1121% | 1,846 |
| Net operating income to assets | 1.3974% | 1,039 |
| Return on assets (ROA) | 1.4641% | 973 |
| Pretax return on assets | 1.8522% | 790 |
| Return on Equity (ROE) | 13.4266% | 1,004 |
| Retained earnings to average equity (ytd only) | 13.4266% | 404 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4314% | 5,642 |
| Assets per employee ($millions) | 6.4580% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9122% | 5,405 |
| Loan loss allowance to noncurrent loans | 406.7524% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.1338% | 5,419 |
| Noncurrent loans to loans | 0.2243% | 4,969 |
| Net loans and leases to total assets | 59.1022% | 3,783 |
| Net loans and leases to deposits | 72.6346% | 3,474 |
| Net loans and leases to core deposits | 86.7182% | 2,469 |
| Total domestic deposits to total assets | 81.3693% | 4,716 |
| Equity capital to assets | 11.1645% | 2,795 |
| Core capital (leverage) ratio | 10.9997% | 2,412 |
| Tier 1 risk-based capital ratio | 15.0304% | 3,415 |
| Total risk-based capital ratio | 15.8220% | 3,607 |
| Memoranda: | ||
| Average total assets | $231,945,500 | 2,705 |
| Average earning assets | $221,784,000 | 2,627 |
| Average equity | $25,293,000 | 2,721 |
| Average total loans | $135,331,500 | 2,823 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1320% | 3,197 |
| Cost of funding earning assets | 0.4472% | 3,196 |
| Net interest margin | 3.6848% | 3,063 |
| Noninterest income to average assets | 0.6970% | 2,316 |
| Noninterest expense to average assets | 2.4789% | 4,615 |
| Loan and lease loss provision to assets | 0.0455% | 3,664 |
| Net operating income to assets | 1.2342% | 1,481 |
| Return on assets (ROA) | 1.3030% | 1,349 |
| Pretax return on assets | 1.7896% | 810 |
| Return on Equity (ROE) | 12.2966% | 1,324 |
| Retained earnings to average equity (ytd only) | 10.3631% | 461 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7442% | 5,372 |
| Assets per employee ($millions) | 6.4279% | 1,098 |
| Cash dividends to net income (ytd only)* | 15.7233% | 3,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9091% | 5,448 |
| Loan loss allowance to noncurrent loans | 402.6846% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 5,517 |
| Noncurrent loans to loans | 0.2258% | 5,015 |
| Net loans and leases to total assets | 56.5215% | 4,261 |
| Net loans and leases to deposits | 68.5150% | 4,077 |
| Net loans and leases to core deposits | 77.9588% | 3,524 |
| Total domestic deposits to total assets | 82.4951% | 4,250 |
| Equity capital to assets | 10.6437% | 3,306 |
| Core capital (leverage) ratio | 10.4376% | 3,010 |
| Tier 1 risk-based capital ratio | 15.5553% | 3,209 |
| Total risk-based capital ratio | 16.3284% | 3,394 |
| Memoranda: | ||
| Average total assets | $219,653,000 | 2,790 |
| Average earning assets | $209,995,200 | 2,709 |
| Average equity | $23,274,800 | 2,819 |
| Average total loans | $126,368,400 | 2,935 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1691% | 3,093 |
| Cost of funding earning assets | 0.4551% | 3,188 |
| Net interest margin | 3.7140% | 2,968 |
| Noninterest income to average assets | 0.6534% | 2,557 |
| Noninterest expense to average assets | 2.4136% | 4,785 |
| Loan and lease loss provision to assets | 0.0338% | 3,728 |
| Net operating income to assets | 1.2846% | 1,415 |
| Return on assets (ROA) | 1.3560% | 1,285 |
| Pretax return on assets | 1.8537% | 796 |
| Return on Equity (ROE) | 12.8121% | 1,264 |
| Retained earnings to average equity (ytd only) | 12.8121% | 343 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4210% | 5,520 |
| Assets per employee ($millions) | 6.6471% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 5,650 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 55.7092% | 4,370 |
| Net loans and leases to deposits | 67.4232% | 4,192 |
| Net loans and leases to core deposits | 75.6975% | 3,781 |
| Total domestic deposits to total assets | 82.6262% | 4,259 |
| Equity capital to assets | 10.4926% | 3,571 |
| Core capital (leverage) ratio | 10.7897% | 2,703 |
| Tier 1 risk-based capital ratio | 15.7685% | 3,174 |
| Total risk-based capital ratio | 16.5297% | 3,372 |
| Memoranda: | ||
| Average total assets | $216,715,250 | 2,841 |
| Average earning assets | $207,139,000 | 2,756 |
| Average equity | $22,936,000 | 2,864 |
| Average total loans | $124,962,250 | 2,979 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1496% | 3,151 |
| Cost of funding earning assets | 0.4596% | 3,219 |
| Net interest margin | 3.6900% | 3,000 |
| Noninterest income to average assets | 0.5516% | 3,106 |
| Noninterest expense to average assets | 2.4380% | 4,777 |
| Loan and lease loss provision to assets | 0.0189% | 3,890 |
| Net operating income to assets | 1.1932% | 1,615 |
| Return on assets (ROA) | 1.2800% | 1,425 |
| Pretax return on assets | 1.7360% | 953 |
| Return on Equity (ROE) | 12.0565% | 1,404 |
| Retained earnings to average equity (ytd only) | 12.0565% | 420 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8189% | 5,320 |
| Assets per employee ($millions) | 6.5497% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8355% | 5,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 61.5024% | 3,483 |
| Net loans and leases to deposits | 77.0156% | 2,930 |
| Net loans and leases to core deposits | 88.8043% | 2,229 |
| Total domestic deposits to total assets | 79.8571% | 5,276 |
| Equity capital to assets | 10.8725% | 3,009 |
| Core capital (leverage) ratio | 10.8719% | 2,557 |
| Tier 1 risk-based capital ratio | 15.2292% | 3,508 |
| Total risk-based capital ratio | 15.9688% | 3,749 |
| Memoranda: | ||
| Average total assets | $211,404,000 | 2,900 |
| Average earning assets | $201,898,330 | 2,813 |
| Average equity | $22,444,330 | 2,899 |
| Average total loans | $123,029,000 | 3,012 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9980% | 3,689 |
| Cost of funding earning assets | 0.4580% | 3,336 |
| Net interest margin | 3.5400% | 3,523 |
| Noninterest income to average assets | 0.5071% | 3,356 |
| Noninterest expense to average assets | 2.6598% | 4,080 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8947% | 2,681 |
| Return on assets (ROA) | 0.9663% | 2,404 |
| Pretax return on assets | 1.3337% | 1,981 |
| Return on Equity (ROE) | 9.2168% | 2,367 |
| Retained earnings to average equity (ytd only) | 9.2168% | 1,189 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3047% | 4,131 |
| Assets per employee ($millions) | 6.2256% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9311% | 5,770 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 55.2939% | 4,236 |
| Net loans and leases to deposits | 68.2931% | 3,830 |
| Net loans and leases to core deposits | 78.2782% | 3,173 |
| Total domestic deposits to total assets | 80.9656% | 5,247 |
| Equity capital to assets | 10.5367% | 3,214 |
| Core capital (leverage) ratio | 10.6482% | 2,762 |
| Tier 1 risk-based capital ratio | 15.8508% | 3,243 |
| Total risk-based capital ratio | 16.6361% | 3,458 |
| Memoranda: | ||
| Average total assets | $209,035,500 | 2,948 |
| Average earning assets | $200,000,500 | 2,851 |
| Average equity | $21,916,500 | 2,947 |
| Average total loans | $117,517,500 | 3,127 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2906% | 3,000 |
| Cost of funding earning assets | 0.5185% | 3,410 |
| Net interest margin | 3.7721% | 2,755 |
| Noninterest income to average assets | 0.9158% | 1,627 |
| Noninterest expense to average assets | 2.8839% | 3,420 |
| Loan and lease loss provision to assets | 0.0077% | 4,973 |
| Net operating income to assets | 1.2164% | 1,499 |
| Return on assets (ROA) | 1.2971% | 1,307 |
| Pretax return on assets | 1.7416% | 870 |
| Return on Equity (ROE) | 12.0240% | 1,412 |
| Retained earnings to average equity (ytd only) | 10.8316% | 444 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7439% | 4,949 |
| Assets per employee ($millions) | 5.8972% | 1,338 |
| Cash dividends to net income (ytd only)* | 9.9167% | 4,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9410% | 5,786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 56.1017% | 4,302 |
| Net loans and leases to deposits | 68.3326% | 3,997 |
| Net loans and leases to core deposits | 77.9476% | 3,369 |
| Total domestic deposits to total assets | 82.1009% | 4,837 |
| Equity capital to assets | 10.4311% | 3,251 |
| Core capital (leverage) ratio | 10.3049% | 3,146 |
| Tier 1 risk-based capital ratio | 15.8453% | 3,180 |
| Total risk-based capital ratio | 16.6490% | 3,379 |
| Memoranda: | ||
| Average total assets | $194,357,400 | 3,093 |
| Average earning assets | $185,919,400 | 3,012 |
| Average equity | $20,966,400 | 3,044 |
| Average total loans | $108,370,800 | 3,279 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3001% | 2,994 |
| Cost of funding earning assets | 0.5208% | 3,556 |
| Net interest margin | 3.7792% | 2,716 |
| Noninterest income to average assets | 0.9407% | 1,631 |
| Noninterest expense to average assets | 2.8457% | 3,504 |
| Loan and lease loss provision to assets | 0.0105% | 4,784 |
| Net operating income to assets | 1.2858% | 1,384 |
| Return on assets (ROA) | 1.3483% | 1,274 |
| Pretax return on assets | 1.7817% | 940 |
| Return on Equity (ROE) | 12.3884% | 1,374 |
| Retained earnings to average equity (ytd only) | 12.3884% | 379 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4656% | 5,069 |
| Assets per employee ($millions) | 6.0435% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9558% | 5,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 53.8894% | 4,629 |
| Net loans and leases to deposits | 65.2426% | 4,379 |
| Net loans and leases to core deposits | 75.5603% | 3,664 |
| Total domestic deposits to total assets | 82.5985% | 4,717 |
| Equity capital to assets | 10.1309% | 3,729 |
| Core capital (leverage) ratio | 10.6618% | 2,827 |
| Tier 1 risk-based capital ratio | 16.0661% | 3,156 |
| Total risk-based capital ratio | 16.8943% | 3,338 |
| Memoranda: | ||
| Average total assets | $191,346,250 | 3,162 |
| Average earning assets | $183,030,000 | 3,069 |
| Average equity | $20,825,500 | 3,093 |
| Average total loans | $106,239,750 | 3,342 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2869% | 3,007 |
| Cost of funding earning assets | 0.5288% | 3,619 |
| Net interest margin | 3.7582% | 2,730 |
| Noninterest income to average assets | 0.9836% | 1,573 |
| Noninterest expense to average assets | 3.4492% | 1,720 |
| Loan and lease loss provision to assets | 0.0162% | 4,568 |
| Net operating income to assets | 0.7371% | 3,629 |
| Return on assets (ROA) | 0.8157% | 3,371 |
| Pretax return on assets | 1.2328% | 2,551 |
| Return on Equity (ROE) | 7.3021% | 3,441 |
| Retained earnings to average equity (ytd only) | 7.3021% | 1,742 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3253% | 2,891 |
| Assets per employee ($millions) | 5.5520% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 5,936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 59.6264% | 3,729 |
| Net loans and leases to deposits | 72.3036% | 3,411 |
| Net loans and leases to core deposits | 83.8880% | 2,578 |
| Total domestic deposits to total assets | 82.4667% | 4,892 |
| Equity capital to assets | 10.7386% | 3,011 |
| Core capital (leverage) ratio | 10.7725% | 2,598 |
| Tier 1 risk-based capital ratio | 16.0314% | 3,171 |
| Total risk-based capital ratio | 16.9067% | 3,339 |
| Memoranda: | ||
| Average total assets | $184,621,000 | 3,270 |
| Average earning assets | $176,629,330 | 3,162 |
| Average equity | $20,624,330 | 3,137 |
| Average total loans | $103,290,330 | 3,415 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1277% | 3,609 |
| Cost of funding earning assets | 0.5481% | 3,591 |
| Net interest margin | 3.5796% | 3,345 |
| Noninterest income to average assets | 1.0233% | 1,416 |
| Noninterest expense to average assets | 3.1115% | 2,640 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9921% | 2,255 |
| Return on assets (ROA) | 1.0956% | 1,981 |
| Pretax return on assets | 1.4703% | 1,648 |
| Return on Equity (ROE) | 9.6149% | 2,226 |
| Retained earnings to average equity (ytd only) | 9.6149% | 1,210 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0197% | 3,969 |
| Assets per employee ($millions) | 5.5102% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 5,558 |
| Loan loss allowance to noncurrent loans | 109.7068% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.5439% | 5,032 |
| Noncurrent loans to loans | 1.0133% | 4,102 |
| Net loans and leases to total assets | 53.0769% | 4,543 |
| Net loans and leases to deposits | 63.9479% | 4,327 |
| Net loans and leases to core deposits | 73.9293% | 3,587 |
| Total domestic deposits to total assets | 83.0003% | 4,854 |
| Equity capital to assets | 11.5988% | 2,332 |
| Core capital (leverage) ratio | 11.0747% | 2,200 |
| Tier 1 risk-based capital ratio | 17.4337% | 2,588 |
| Total risk-based capital ratio | 18.3850% | 2,667 |
| Memoranda: | ||
| Average total assets | $182,548,000 | 3,317 |
| Average earning assets | $174,432,000 | 3,216 |
| Average equity | $20,801,000 | 3,160 |
| Average total loans | $98,108,000 | 3,560 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4433% | 3,638 |
| Cost of funding earning assets | 0.6154% | 4,216 |
| Net interest margin | 3.8280% | 3,112 |
| Noninterest income to average assets | 1.1339% | 1,214 |
| Noninterest expense to average assets | 3.1193% | 2,871 |
| Loan and lease loss provision to assets | 0.0603% | 5,026 |
| Net operating income to assets | 1.1799% | 1,664 |
| Return on assets (ROA) | 1.2435% | 1,626 |
| Pretax return on assets | 1.7301% | 1,072 |
| Return on Equity (ROE) | 11.1893% | 1,745 |
| Retained earnings to average equity (ytd only) | 11.1893% | 422 |
| Net charge-offs to loans | 0.0354% | 5,428 |
| Credit loss provision to net charge-offs | 318.1818% | 764 |
| Earnings coverage of net charge-offs (x) | 89.8788% | 435 |
| Efficiency ratio | 64.6989% | 4,757 |
| Assets per employee ($millions) | 5.7268% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 5,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 53.2211% | 4,723 |
| Net loans and leases to deposits | 63.6761% | 4,575 |
| Net loans and leases to core deposits | 71.1777% | 4,144 |
| Total domestic deposits to total assets | 83.5811% | 4,506 |
| Equity capital to assets | 11.1924% | 2,745 |
| Core capital (leverage) ratio | 10.7580% | 2,482 |
| Tier 1 risk-based capital ratio | 16.7443% | 2,774 |
| Total risk-based capital ratio | 17.6807% | 2,893 |
| Memoranda: | ||
| Average total assets | $174,269,400 | 3,384 |
| Average earning assets | $167,869,200 | 3,255 |
| Average equity | $19,366,800 | 3,280 |
| Average total loans | $93,251,000 | 3,670 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4643% | 3,763 |
| Cost of funding earning assets | 0.6261% | 4,401 |
| Net interest margin | 3.8382% | 3,170 |
| Noninterest income to average assets | 1.0673% | 1,327 |
| Noninterest expense to average assets | 3.0925% | 2,912 |
| Loan and lease loss provision to assets | 0.0814% | 4,616 |
| Net operating income to assets | 1.1532% | 1,893 |
| Return on assets (ROA) | 1.2246% | 1,827 |
| Pretax return on assets | 1.6990% | 1,271 |
| Return on Equity (ROE) | 11.0405% | 1,942 |
| Retained earnings to average equity (ytd only) | 11.0405% | 676 |
| Net charge-offs to loans | 0.0493% | 4,965 |
| Credit loss provision to net charge-offs | 308.8235% | 871 |
| Earnings coverage of net charge-offs (x) | 63.7973% | 623 |
| Efficiency ratio | 64.7832% | 4,662 |
| Assets per employee ($millions) | 6.4632% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 5,612 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 50.8056% | 5,212 |
| Net loans and leases to deposits | 60.4671% | 5,150 |
| Net loans and leases to core deposits | 67.3666% | 4,796 |
| Total domestic deposits to total assets | 84.0219% | 4,212 |
| Equity capital to assets | 10.8114% | 3,487 |
| Core capital (leverage) ratio | 10.5020% | 2,906 |
| Tier 1 risk-based capital ratio | 16.7509% | 2,871 |
| Total risk-based capital ratio | 17.7067% | 2,992 |
| Memoranda: | ||
| Average total assets | $172,022,250 | 3,449 |
| Average earning assets | $166,115,250 | 3,322 |
| Average equity | $19,080,750 | 3,347 |
| Average total loans | $91,909,500 | 3,737 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5287% | 3,651 |
| Cost of funding earning assets | 0.6362% | 4,559 |
| Net interest margin | 3.8926% | 2,942 |
| Noninterest income to average assets | 1.0163% | 1,413 |
| Noninterest expense to average assets | 3.1351% | 2,805 |
| Loan and lease loss provision to assets | 0.0959% | 4,342 |
| Net operating income to assets | 1.1289% | 1,948 |
| Return on assets (ROA) | 1.2164% | 1,851 |
| Pretax return on assets | 1.6742% | 1,328 |
| Return on Equity (ROE) | 10.8636% | 2,040 |
| Retained earnings to average equity (ytd only) | 10.8636% | 769 |
| Net charge-offs to loans | 0.0774% | 4,377 |
| Credit loss provision to net charge-offs | 228.5714% | 1,249 |
| Earnings coverage of net charge-offs (x) | 39.3429% | 884 |
| Efficiency ratio | 65.5147% | 4,619 |
| Assets per employee ($millions) | 6.5003% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 5,776 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 52.3153% | 5,055 |
| Net loans and leases to deposits | 62.6298% | 4,925 |
| Net loans and leases to core deposits | 69.4085% | 4,610 |
| Total domestic deposits to total assets | 83.5309% | 4,516 |
| Equity capital to assets | 10.6655% | 3,494 |
| Core capital (leverage) ratio | 11.2145% | 2,113 |
| Tier 1 risk-based capital ratio | 16.6287% | 2,844 |
| Total risk-based capital ratio | 17.5842% | 2,965 |
| Memoranda: | ||
| Average total assets | $166,885,670 | 3,553 |
| Average earning assets | $161,590,000 | 3,392 |
| Average equity | $18,686,330 | 3,401 |
| Average total loans | $90,442,670 | 3,794 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6270% | 3,372 |
| Cost of funding earning assets | 0.6768% | 4,496 |
| Net interest margin | 3.9502% | 2,720 |
| Noninterest income to average assets | 0.9791% | 1,481 |
| Noninterest expense to average assets | 3.2311% | 2,504 |
| Loan and lease loss provision to assets | 0.1004% | 4,088 |
| Net operating income to assets | 1.0951% | 2,110 |
| Return on assets (ROA) | 1.1574% | 2,040 |
| Pretax return on assets | 1.5867% | 1,613 |
| Return on Equity (ROE) | 10.0636% | 2,386 |
| Retained earnings to average equity (ytd only) | 10.0636% | 1,254 |
| Net charge-offs to loans | 0.0686% | 3,802 |
| Credit loss provision to net charge-offs | 266.6667% | 1,088 |
| Earnings coverage of net charge-offs (x) | 42.5333% | 708 |
| Efficiency ratio | 66.8571% | 4,386 |
| Assets per employee ($millions) | 5.9399% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 5,773 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 56.3294% | 4,326 |
| Net loans and leases to deposits | 67.7059% | 4,113 |
| Net loans and leases to core deposits | 74.6494% | 3,808 |
| Total domestic deposits to total assets | 83.1972% | 4,848 |
| Equity capital to assets | 11.5259% | 2,420 |
| Core capital (leverage) ratio | 11.1616% | 2,142 |
| Tier 1 risk-based capital ratio | 16.9296% | 2,706 |
| Total risk-based capital ratio | 17.9144% | 2,785 |
| Memoranda: | ||
| Average total assets | $159,324,500 | 3,699 |
| Average earning assets | $155,436,500 | 3,523 |
| Average equity | $18,323,500 | 3,451 |
| Average total loans | $87,526,000 | 3,899 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8043% | 3,789 |
| Cost of funding earning assets | 0.8055% | 4,828 |
| Net interest margin | 3.9988% | 2,880 |
| Noninterest income to average assets | 0.6053% | 3,134 |
| Noninterest expense to average assets | 3.2337% | 2,753 |
| Loan and lease loss provision to assets | 0.1451% | 4,799 |
| Net operating income to assets | 1.0935% | 1,859 |
| Return on assets (ROA) | 1.2401% | 1,510 |
| Pretax return on assets | 1.2628% | 2,262 |
| Return on Equity (ROE) | 11.7144% | 1,492 |
| Retained earnings to average equity (ytd only) | 11.7144% | 329 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9886% | 3,579 |
| Assets per employee ($millions) | 6.5946% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 5,336 |
| Loan loss allowance to noncurrent loans | 150.2967% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 5,904 |
| Noncurrent loans to loans | 0.8055% | 5,080 |
| Net loans and leases to total assets | 52.2275% | 5,275 |
| Net loans and leases to deposits | 61.8780% | 5,263 |
| Net loans and leases to core deposits | 68.5579% | 4,960 |
| Total domestic deposits to total assets | 84.4040% | 4,136 |
| Equity capital to assets | 11.4753% | 2,525 |
| Core capital (leverage) ratio | 11.5702% | 1,834 |
| Tier 1 risk-based capital ratio | 18.4584% | 2,060 |
| Total risk-based capital ratio | 19.5351% | 2,077 |
| Memoranda: | ||
| Average total assets | $132,324,400 | 4,120 |
| Average earning assets | $128,612,800 | 3,958 |
| Average equity | $14,008,400 | 4,107 |
| Average total loans | $78,320,600 | 4,203 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8819% | 3,632 |
| Cost of funding earning assets | 0.8444% | 4,812 |
| Net interest margin | 4.0375% | 2,740 |
| Noninterest income to average assets | 0.5690% | 3,377 |
| Noninterest expense to average assets | 3.2189% | 2,771 |
| Loan and lease loss provision to assets | 0.1833% | 4,201 |
| Net operating income to assets | 1.0828% | 2,029 |
| Return on assets (ROA) | 1.2111% | 1,730 |
| Pretax return on assets | 1.2111% | 2,594 |
| Return on Equity (ROE) | 11.7499% | 1,606 |
| Retained earnings to average equity (ytd only) | 11.7499% | 524 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7694% | 3,602 |
| Assets per employee ($millions) | 5.8689% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 5,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 56.8186% | 4,714 |
| Net loans and leases to deposits | 67.6071% | 4,677 |
| Net loans and leases to core deposits | 75.5200% | 4,250 |
| Total domestic deposits to total assets | 84.0423% | 4,211 |
| Equity capital to assets | 11.6003% | 2,587 |
| Core capital (leverage) ratio | 12.1757% | 1,606 |
| Tier 1 risk-based capital ratio | 17.5652% | 2,413 |
| Total risk-based capital ratio | 18.6000% | 2,472 |
| Memoranda: | ||
| Average total assets | $125,837,750 | 4,279 |
| Average earning assets | $122,052,500 | 4,109 |
| Average equity | $12,970,000 | 4,356 |
| Average total loans | $76,982,250 | 4,278 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9827% | 3,242 |
| Cost of funding earning assets | 0.8899% | 4,758 |
| Net interest margin | 4.0928% | 2,439 |
| Noninterest income to average assets | 0.5645% | 3,371 |
| Noninterest expense to average assets | 3.3579% | 2,376 |
| Loan and lease loss provision to assets | 0.1574% | 4,346 |
| Net operating income to assets | 1.0144% | 2,170 |
| Return on assets (ROA) | 1.2196% | 1,591 |
| Pretax return on assets | 1.2196% | 2,406 |
| Return on Equity (ROE) | 12.5165% | 1,336 |
| Retained earnings to average equity (ytd only) | 12.5165% | 454 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1314% | 3,345 |
| Assets per employee ($millions) | 5.2052% | 1,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 5,713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 59.6427% | 4,339 |
| Net loans and leases to deposits | 69.4449% | 4,507 |
| Net loans and leases to core deposits | 77.6083% | 4,099 |
| Total domestic deposits to total assets | 85.8849% | 3,386 |
| Equity capital to assets | 9.1947% | 5,286 |
| Core capital (leverage) ratio | 9.6930% | 3,668 |
| Tier 1 risk-based capital ratio | 13.1455% | 4,806 |
| Total risk-based capital ratio | 14.1780% | 4,956 |
| Memoranda: | ||
| Average total assets | $116,920,000 | 4,542 |
| Average earning assets | $113,272,670 | 4,353 |
| Average equity | $11,393,000 | 4,716 |
| Average total loans | $73,412,000 | 4,447 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0758% | 2,749 |
| Cost of funding earning assets | 0.9109% | 4,847 |
| Net interest margin | 4.1649% | 2,013 |
| Noninterest income to average assets | 0.7361% | 2,345 |
| Noninterest expense to average assets | 3.6079% | 1,754 |
| Loan and lease loss provision to assets | 0.0906% | 4,879 |
| Net operating income to assets | 1.0660% | 1,959 |
| Return on assets (ROA) | 1.1023% | 1,884 |
| Pretax return on assets | 1.1023% | 2,748 |
| Return on Equity (ROE) | 10.9481% | 1,756 |
| Retained earnings to average equity (ytd only) | 10.9481% | 907 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7230% | 3,202 |
| Assets per employee ($millions) | 4.6066% | 2,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 5,571 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 59.7921% | 4,313 |
| Net loans and leases to deposits | 70.5747% | 4,260 |
| Net loans and leases to core deposits | 78.7662% | 3,925 |
| Total domestic deposits to total assets | 84.7218% | 4,165 |
| Equity capital to assets | 9.8251% | 4,006 |
| Core capital (leverage) ratio | 10.0622% | 3,075 |
| Tier 1 risk-based capital ratio | 13.8319% | 4,193 |
| Total risk-based capital ratio | 14.8764% | 4,308 |
| Memoranda: | ||
| Average total assets | $110,315,000 | 4,729 |
| Average earning assets | $106,702,500 | 4,570 |
| Average equity | $11,107,000 | 4,771 |
| Average total loans | $70,855,500 | 4,591 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2169% | 3,526 |
| Cost of funding earning assets | 1.0267% | 5,553 |
| Net interest margin | 4.1901% | 2,225 |
| Noninterest income to average assets | 0.7520% | 2,533 |
| Noninterest expense to average assets | 3.7423% | 1,601 |
| Loan and lease loss provision to assets | 0.3006% | 4,402 |
| Net operating income to assets | 0.7531% | 2,987 |
| Return on assets (ROA) | 0.9127% | 2,470 |
| Pretax return on assets | 0.9127% | 3,232 |
| Return on Equity (ROE) | 8.0010% | 2,696 |
| Retained earnings to average equity (ytd only) | 8.0010% | 977 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0303% | 2,710 |
| Assets per employee ($millions) | 4.5855% | 2,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1388% | 5,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 67.4976% | 3,102 |
| Net loans and leases to deposits | 80.6624% | 3,049 |
| Net loans and leases to core deposits | 88.4168% | 2,996 |
| Total domestic deposits to total assets | 83.6791% | 4,513 |
| Equity capital to assets | 10.3341% | 3,347 |
| Core capital (leverage) ratio | 10.2810% | 2,786 |
| Tier 1 risk-based capital ratio | 13.8684% | 3,953 |
| Total risk-based capital ratio | 14.9240% | 4,053 |
| Memoranda: | ||
| Average total assets | $90,827,200 | 5,264 |
| Average earning assets | $87,658,200 | 5,093 |
| Average equity | $10,361,200 | 5,020 |
| Average total loans | $58,246,400 | 5,142 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1550% | 4,056 |
| Cost of funding earning assets | 1.0405% | 5,738 |
| Net interest margin | 4.1145% | 2,554 |
| Noninterest income to average assets | 0.7082% | 2,781 |
| Noninterest expense to average assets | 3.7031% | 1,557 |
| Loan and lease loss provision to assets | 0.2876% | 4,274 |
| Net operating income to assets | 0.6853% | 3,495 |
| Return on assets (ROA) | 0.7235% | 3,458 |
| Pretax return on assets | 0.7235% | 4,163 |
| Return on Equity (ROE) | 6.1667% | 3,740 |
| Retained earnings to average equity (ytd only) | 6.1667% | 2,276 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1953% | 2,458 |
| Assets per employee ($millions) | 5.0942% | 2,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 5,742 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 59.4552% | 5,011 |
| Net loans and leases to deposits | 70.8688% | 5,023 |
| Net loans and leases to core deposits | 78.5283% | 4,735 |
| Total domestic deposits to total assets | 83.8948% | 4,187 |
| Equity capital to assets | 10.0638% | 4,074 |
| Core capital (leverage) ratio | 10.5399% | 2,646 |
| Tier 1 risk-based capital ratio | 14.9446% | 3,279 |
| Total risk-based capital ratio | 16.0123% | 3,346 |
| Memoranda: | ||
| Average total assets | $87,167,500 | 5,438 |
| Average earning assets | $84,059,000 | 5,267 |
| Average equity | $10,226,750 | 5,129 |
| Average total loans | $54,806,250 | 5,358 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1962% | 3,981 |
| Cost of funding earning assets | 1.0403% | 5,964 |
| Net interest margin | 4.1559% | 2,311 |
| Noninterest income to average assets | 0.7870% | 2,188 |
| Noninterest expense to average assets | 3.9397% | 1,121 |
| Loan and lease loss provision to assets | 0.3600% | 3,547 |
| Net operating income to assets | 0.5139% | 4,264 |
| Return on assets (ROA) | 0.5759% | 4,113 |
| Pretax return on assets | 0.5759% | 4,646 |
| Return on Equity (ROE) | 4.6183% | 4,479 |
| Retained earnings to average equity (ytd only) | 4.6183% | 3,132 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8463% | 2,190 |
| Assets per employee ($millions) | 4.5324% | 2,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 5,633 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 64.8041% | 4,086 |
| Net loans and leases to deposits | 78.3021% | 3,912 |
| Net loans and leases to core deposits | 87.0938% | 3,676 |
| Total domestic deposits to total assets | 82.7617% | 4,661 |
| Equity capital to assets | 11.3186% | 2,580 |
| Core capital (leverage) ratio | 11.8203% | 1,742 |
| Tier 1 risk-based capital ratio | 15.2860% | 3,018 |
| Total risk-based capital ratio | 16.3400% | 3,072 |
| Memoranda: | ||
| Average total assets | $80,564,000 | 5,681 |
| Average earning assets | $78,057,330 | 5,504 |
| Average equity | $10,047,000 | 5,182 |
| Average total loans | $51,628,670 | 5,535 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2167% | 3,934 |
| Cost of funding earning assets | 1.0357% | 6,198 |
| Net interest margin | 4.1810% | 2,116 |
| Noninterest income to average assets | 1.0328% | 1,195 |
| Noninterest expense to average assets | 4.1206% | 883 |
| Loan and lease loss provision to assets | 0.1430% | 5,118 |
| Net operating income to assets | 0.8315% | 2,830 |
| Return on assets (ROA) | 0.8421% | 2,876 |
| Pretax return on assets | 0.8421% | 3,696 |
| Return on Equity (ROE) | 6.3981% | 3,672 |
| Retained earnings to average equity (ytd only) | 6.3981% | 2,415 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8732% | 2,430 |
| Assets per employee ($millions) | 4.4261% | 3,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 5,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 59.7648% | 5,157 |
| Net loans and leases to deposits | 74.0509% | 4,730 |
| Net loans and leases to core deposits | 85.0508% | 4,045 |
| Total domestic deposits to total assets | 80.7077% | 5,558 |
| Equity capital to assets | 12.7477% | 1,630 |
| Core capital (leverage) ratio | 13.4697% | 1,089 |
| Tier 1 risk-based capital ratio | 17.7576% | 2,005 |
| Total risk-based capital ratio | 18.7816% | 2,041 |
| Memoranda: | ||
| Average total assets | $75,522,500 | 5,892 |
| Average earning assets | $73,379,500 | 5,729 |
| Average equity | $9,940,500 | 5,255 |
| Average total loans | $47,725,500 | 5,773 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1516% | 7,629 |
| Cost of funding earning assets | 0.9524% | 7,301 |
| Net interest margin | 3.1992% | 6,098 |
| Noninterest income to average assets | 0.4558% | 4,754 |
| Noninterest expense to average assets | 5.5632% | 380 |
| Loan and lease loss provision to assets | 1.1082% | 2,065 |
| Net operating income to assets | -3.1463% | 7,431 |
| Return on assets (ROA) | -3.1442% | 7,435 |
| Pretax return on assets | -3.1442% | 7,334 |
| Return on Equity (ROE) | -15.3858% | 6,957 |
| Retained earnings to average equity (ytd only) | -15.3858% | 6,905 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.8161% | 261 |
| Assets per employee ($millions) | 3.5688% | 4,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 5,602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 65.4506% | 4,289 |
| Net loans and leases to deposits | 80.1510% | 3,960 |
| Net loans and leases to core deposits | 93.7978% | 4,692 |
| Total domestic deposits to total assets | 81.6591% | 5,077 |
| Equity capital to assets | 13.6250% | 1,270 |
| Core capital (leverage) ratio | 14.7725% | 829 |
| Tier 1 risk-based capital ratio | 16.8938% | 2,172 |
| Total risk-based capital ratio | 17.8420% | 2,229 |
| Memoranda: | ||
| Average total assets | $49,360,000 | 6,736 |
| Average earning assets | $47,355,000 | 6,622 |
| Average equity | $10,087,250 | 5,271 |
| Average total loans | $26,220,750 | 6,844 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6633% | 7,905 |
| Cost of funding earning assets | 0.9167% | 7,530 |
| Net interest margin | 2.7466% | 7,138 |
| Noninterest income to average assets | 0.4156% | 5,167 |
| Noninterest expense to average assets | 6.5267% | 244 |
| Loan and lease loss provision to assets | 1.3929% | 1,381 |
| Net operating income to assets | -4.8895% | 7,830 |
| Return on assets (ROA) | -4.8895% | 7,830 |
| Pretax return on assets | -4.8895% | 7,796 |
| Return on Equity (ROE) | -20.1275% | 7,375 |
| Retained earnings to average equity (ytd only) | -20.1275% | 7,341 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 215.3927% | 121 |
| Assets per employee ($millions) | 2.8646% | 6,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 4,904 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 61.0522% | 5,416 |
| Net loans and leases to deposits | 78.8841% | 4,580 |
| Net loans and leases to core deposits | 90.2914% | 5,404 |
| Total domestic deposits to total assets | 77.3947% | 6,239 |
| Equity capital to assets | 17.1647% | 609 |
| Core capital (leverage) ratio | 19.0513% | 375 |
| Tier 1 risk-based capital ratio | 19.7363% | 1,607 |
| Total risk-based capital ratio | 20.6226% | 1,633 |
| Memoranda: | ||
| Average total assets | $42,021,330 | 7,078 |
| Average earning assets | $39,999,330 | 7,000 |
| Average equity | $10,208,000 | 5,282 |
| Average total loans | $19,206,670 | 7,306 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7629% | 8,092 |
| Cost of funding earning assets | 0.8264% | 7,787 |
| Net interest margin | 1.9365% | 7,895 |
| Noninterest income to average assets | 0.3432% | 5,767 |
| Noninterest expense to average assets | 7.4740% | 187 |
| Loan and lease loss provision to assets | 1.3203% | 1,305 |
| Net operating income to assets | -6.6248% | 8,030 |
| Return on assets (ROA) | -6.6248% | 8,023 |
| Pretax return on assets | -6.6248% | 7,996 |
| Return on Equity (ROE) | -21.9144% | 7,559 |
| Retained earnings to average equity (ytd only) | -21.9144% | 7,513 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 344.5040% | 65 |
| Assets per employee ($millions) | 2.0895% | 7,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 4,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 41.5064% | 7,477 |
| Net loans and leases to deposits | 54.1667% | 7,261 |
| Net loans and leases to core deposits | 59.2505% | 7,477 |
| Total domestic deposits to total assets | 76.6272% | 6,411 |
| Equity capital to assets | 23.0264% | 249 |
| Core capital (leverage) ratio | 29.2909% | 147 |
| Tier 1 risk-based capital ratio | 26.5287% | 814 |
| Total risk-based capital ratio | 27.1204% | 848 |
| Memoranda: | ||
| Average total assets | $34,386,000 | 7,431 |
| Average earning assets | $32,429,500 | 7,383 |
| Average equity | $10,395,000 | 5,249 |
| Average total loans | $11,101,500 | 7,808 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1321% | 8,183 |
| Cost of funding earning assets | 0.4605% | 8,114 |
| Net interest margin | 1.6716% | 8,012 |
| Noninterest income to average assets | 0.0321% | 7,919 |
| Noninterest expense to average assets | 9.7381% | 120 |
| Loan and lease loss provision to assets | 0.7553% | 1,707 |
| Net operating income to assets | -8.8864% | 8,160 |
| Return on assets (ROA) | -8.8864% | 8,151 |
| Pretax return on assets | -8.8864% | 8,138 |
| Return on Equity (ROE) | -20.7000% | 7,768 |
| Retained earnings to average equity (ytd only) | -20.7000% | 7,663 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 606.0000% | 33 |
| Assets per employee ($millions) | 1.3829% | 8,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 4,448 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 14.9285% | 8,127 |
| Net loans and leases to deposits | 26.3005% | 8,082 |
| Net loans and leases to core deposits | 30.8894% | 8,076 |
| Total domestic deposits to total assets | 56.7612% | 8,032 |
| Equity capital to assets | 42.9295% | 86 |
| Core capital (leverage) ratio | 68.2778% | 44 |
| Tier 1 risk-based capital ratio | 98.4903% | 70 |
| Total risk-based capital ratio | 98.9203% | 69 |
| Memoranda: | ||
| Average total assets | $24,892,000 | 7,835 |
| Average earning assets | $23,451,000 | 7,788 |
| Average equity | $10,686,000 | 5,191 |
| Average total loans | $3,763,000 | 8,148 |