Home > CBC NATIONAL BANK > Performance and Condition Ratios
CBC NATIONAL BANK, Performance and Condition Ratios
| 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 | 4.9456% | 788 |
| Cost of funding earning assets | 0.6918% | 1,484 |
| Net interest margin | 4.2538% | 1,038 |
| Noninterest income to average assets | 3.8562% | 124 |
| Noninterest expense to average assets | 5.1358% | 200 |
| Loan and lease loss provision to assets | 0.0258% | 3,181 |
| Net operating income to assets | 1.9863% | 387 |
| Return on assets (ROA) | 1.9863% | 386 |
| Pretax return on assets | 2.6331% | 178 |
| Return on Equity (ROE) | 15.3255% | 746 |
| Retained earnings to average equity (ytd only) | 12.9031% | 535 |
| Net charge-offs to loans | -0.0541% | 5,002 |
| Credit loss provision to net charge-offs | -54.4118% | 3,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8879% | 3,181 |
| Assets per employee ($millions) | 1.1910% | 5,553 |
| Cash dividends to net income (ytd only)* | 15.8061% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 2,910 |
| Loan loss allowance to noncurrent loans | 160.4818% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 1.3495% | 1,096 |
| Noncurrent loans to loans | 0.7375% | 2,362 |
| Net loans and leases to total assets | 86.2181% | 242 |
| Net loans and leases to deposits | 108.6441% | 304 |
| Net loans and leases to core deposits | 129.7601% | 348 |
| Total domestic deposits to total assets | 79.3583% | 4,519 |
| Equity capital to assets | 13.9039% | 915 |
| Core capital (leverage) ratio | 13.4329% | 1,027 |
| Tier 1 risk-based capital ratio | 28.2370% | 547 |
| Total risk-based capital ratio | 29.5067% | 541 |
| Memoranda: | ||
| Average total assets | $573,313,000 | 1,264 |
| Average earning assets | $530,817,000 | 1,264 |
| Average equity | $74,307,500 | 1,107 |
| Average total loans | $502,521,000 | 1,048 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6129% | 1,393 |
| Cost of funding earning assets | 0.6662% | 1,206 |
| Net interest margin | 3.9468% | 1,926 |
| Noninterest income to average assets | 3.5341% | 145 |
| Noninterest expense to average assets | 4.8556% | 239 |
| Loan and lease loss provision to assets | 0.1025% | 2,174 |
| Net operating income to assets | 1.3668% | 1,081 |
| Return on assets (ROA) | 1.3770% | 1,084 |
| Pretax return on assets | 2.2448% | 295 |
| Return on Equity (ROE) | 11.9285% | 1,231 |
| Retained earnings to average equity (ytd only) | 10.4197% | 295 |
| Net charge-offs to loans | 0.2117% | 1,229 |
| Credit loss provision to net charge-offs | 55.2773% | 3,272 |
| Earnings coverage of net charge-offs (x) | 12.5716% | 2,463 |
| Efficiency ratio | 67.5606% | 2,986 |
| Assets per employee ($millions) | 1.2866% | 5,612 |
| Cash dividends to net income (ytd only)* | 12.6491% | 3,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 3,728 |
| Loan loss allowance to noncurrent loans | 156.7066% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 1.2313% | 1,187 |
| Noncurrent loans to loans | 0.6584% | 2,565 |
| Net loans and leases to total assets | 87.1038% | 182 |
| Net loans and leases to deposits | 122.8488% | 85 |
| Net loans and leases to core deposits | 147.4077% | 146 |
| Total domestic deposits to total assets | 70.9033% | 5,372 |
| Equity capital to assets | 12.1161% | 1,754 |
| Core capital (leverage) ratio | 12.0535% | 1,575 |
| Tier 1 risk-based capital ratio | 24.0214% | 814 |
| Total risk-based capital ratio | 25.2875% | 797 |
| Memoranda: | ||
| Average total assets | $602,847,800 | 1,189 |
| Average earning assets | $557,975,200 | 1,192 |
| Average equity | $69,589,600 | 1,142 |
| Average total loans | $528,194,000 | 971 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5390% | 1,532 |
| Cost of funding earning assets | 0.6350% | 1,333 |
| Net interest margin | 3.9041% | 2,029 |
| Noninterest income to average assets | 3.4786% | 156 |
| Noninterest expense to average assets | 4.8422% | 240 |
| Loan and lease loss provision to assets | 0.1144% | 1,885 |
| Net operating income to assets | 1.3338% | 1,240 |
| Return on assets (ROA) | 1.3437% | 1,235 |
| Pretax return on assets | 2.1492% | 409 |
| Return on Equity (ROE) | 11.7875% | 1,399 |
| Retained earnings to average equity (ytd only) | 9.8459% | 614 |
| Net charge-offs to loans | 0.2721% | 793 |
| Credit loss provision to net charge-offs | 48.0483% | 2,934 |
| Earnings coverage of net charge-offs (x) | 9.4396% | 2,693 |
| Efficiency ratio | 68.2931% | 2,821 |
| Assets per employee ($millions) | 1.4051% | 5,673 |
| Cash dividends to net income (ytd only)* | 16.4718% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 4,167 |
| Loan loss allowance to noncurrent loans | 139.1393% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 1.3335% | 1,199 |
| Noncurrent loans to loans | 0.7066% | 2,594 |
| Net loans and leases to total assets | 84.0979% | 426 |
| Net loans and leases to deposits | 127.9485% | 50 |
| Net loans and leases to core deposits | 152.2516% | 111 |
| Total domestic deposits to total assets | 65.7279% | 5,589 |
| Equity capital to assets | 10.9685% | 2,894 |
| Core capital (leverage) ratio | 11.8056% | 1,816 |
| Tier 1 risk-based capital ratio | 21.4983% | 1,115 |
| Total risk-based capital ratio | 22.7619% | 1,094 |
| Memoranda: | ||
| Average total assets | $602,381,250 | 1,199 |
| Average earning assets | $557,284,500 | 1,201 |
| Average equity | $68,670,000 | 1,167 |
| Average total loans | $527,187,500 | 975 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5549% | 1,377 |
| Cost of funding earning assets | 0.5996% | 1,448 |
| Net interest margin | 3.9552% | 1,755 |
| Noninterest income to average assets | 3.6021% | 161 |
| Noninterest expense to average assets | 4.8707% | 238 |
| Loan and lease loss provision to assets | 0.1259% | 1,648 |
| Net operating income to assets | 1.3861% | 1,100 |
| Return on assets (ROA) | 1.3955% | 1,104 |
| Pretax return on assets | 2.2786% | 311 |
| Return on Equity (ROE) | 12.0724% | 1,278 |
| Retained earnings to average equity (ytd only) | 9.1214% | 805 |
| Net charge-offs to loans | 0.3277% | 614 |
| Credit loss provision to net charge-offs | 43.4118% | 2,614 |
| Earnings coverage of net charge-offs (x) | 8.2424% | 2,523 |
| Efficiency ratio | 67.0848% | 3,169 |
| Assets per employee ($millions) | 1.4217% | 5,724 |
| Cash dividends to net income (ytd only)* | 24.4439% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 4,210 |
| Loan loss allowance to noncurrent loans | 126.2314% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 1.4764% | 1,043 |
| Noncurrent loans to loans | 0.7843% | 2,444 |
| Net loans and leases to total assets | 86.7050% | 229 |
| Net loans and leases to deposits | 127.0235% | 53 |
| Net loans and leases to core deposits | 153.3028% | 108 |
| Total domestic deposits to total assets | 68.2590% | 5,588 |
| Equity capital to assets | 10.9332% | 2,886 |
| Core capital (leverage) ratio | 12.2542% | 1,500 |
| Tier 1 risk-based capital ratio | 20.1991% | 1,325 |
| Total risk-based capital ratio | 21.4622% | 1,295 |
| Memoranda: | ||
| Average total assets | $586,323,000 | 1,231 |
| Average earning assets | $542,317,670 | 1,229 |
| Average equity | $67,774,670 | 1,180 |
| Average total loans | $518,738,000 | 987 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6693% | 993 |
| Cost of funding earning assets | 0.6114% | 1,290 |
| Net interest margin | 4.0579% | 1,326 |
| Noninterest income to average assets | 3.4088% | 177 |
| Noninterest expense to average assets | 4.9939% | 234 |
| Loan and lease loss provision to assets | 0.2101% | 777 |
| Net operating income to assets | 1.1999% | 1,503 |
| Return on assets (ROA) | 1.1999% | 1,542 |
| Pretax return on assets | 1.9575% | 550 |
| Return on Equity (ROE) | 10.0716% | 1,937 |
| Retained earnings to average equity (ytd only) | 7.0830% | 1,817 |
| Net charge-offs to loans | 0.5346% | 335 |
| Credit loss provision to net charge-offs | 44.1617% | 2,033 |
| Earnings coverage of net charge-offs (x) | 4.5569% | 2,374 |
| Efficiency ratio | 69.7325% | 2,938 |
| Assets per employee ($millions) | 1.2987% | 5,796 |
| Cash dividends to net income (ytd only)* | 29.6736% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 3,542 |
| Loan loss allowance to noncurrent loans | 160.3768% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 1.5045% | 1,062 |
| Noncurrent loans to loans | 0.7021% | 2,738 |
| Net loans and leases to total assets | 87.7276% | 124 |
| Net loans and leases to deposits | 114.0641% | 148 |
| Net loans and leases to core deposits | 137.7681% | 189 |
| Total domestic deposits to total assets | 76.9108% | 5,128 |
| Equity capital to assets | 12.0071% | 1,834 |
| Core capital (leverage) ratio | 12.1537% | 1,532 |
| Tier 1 risk-based capital ratio | 21.8340% | 1,102 |
| Total risk-based capital ratio | 23.1008% | 1,076 |
| Memoranda: | ||
| Average total assets | $561,726,500 | 1,282 |
| Average earning assets | $519,480,000 | 1,271 |
| Average equity | $66,921,000 | 1,192 |
| Average total loans | $499,840,000 | 1,016 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6686% | 1,121 |
| Cost of funding earning assets | 0.6677% | 963 |
| Net interest margin | 4.0009% | 1,628 |
| Noninterest income to average assets | 13.4030% | 54 |
| Noninterest expense to average assets | 14.5444% | 48 |
| Loan and lease loss provision to assets | 0.2658% | 763 |
| Net operating income to assets | 1.4418% | 931 |
| Return on assets (ROA) | 1.4439% | 953 |
| Pretax return on assets | 2.2931% | 277 |
| Return on Equity (ROE) | 13.3643% | 915 |
| Retained earnings to average equity (ytd only) | 9.9715% | 411 |
| Net charge-offs to loans | 0.1469% | 1,796 |
| Credit loss provision to net charge-offs | 203.3661% | 1,394 |
| Earnings coverage of net charge-offs (x) | 19.5554% | 1,906 |
| Efficiency ratio | 85.0551% | 901 |
| Assets per employee ($millions) | 1.2581% | 5,852 |
| Cash dividends to net income (ytd only)* | 25.3872% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 3,147 |
| Loan loss allowance to noncurrent loans | 98.6985% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 1.9838% | 696 |
| Noncurrent loans to loans | 1.2122% | 1,698 |
| Net loans and leases to total assets | 88.1718% | 117 |
| Net loans and leases to deposits | 118.3627% | 108 |
| Net loans and leases to core deposits | 147.3453% | 132 |
| Total domestic deposits to total assets | 74.4929% | 5,403 |
| Equity capital to assets | 11.8196% | 1,924 |
| Core capital (leverage) ratio | 11.3380% | 2,049 |
| Tier 1 risk-based capital ratio | 20.8661% | 1,233 |
| Total risk-based capital ratio | 22.1345% | 1,210 |
| Memoranda: | ||
| Average total assets | $545,592,600 | 1,271 |
| Average earning assets | $504,130,600 | 1,269 |
| Average equity | $58,948,000 | 1,312 |
| Average total loans | $485,513,000 | 1,000 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5814% | 1,329 |
| Cost of funding earning assets | 0.6237% | 1,179 |
| Net interest margin | 3.9578% | 1,786 |
| Noninterest income to average assets | 12.9816% | 55 |
| Noninterest expense to average assets | 14.3213% | 47 |
| Loan and lease loss provision to assets | 0.1105% | 2,084 |
| Net operating income to assets | 1.4067% | 1,061 |
| Return on assets (ROA) | 1.4096% | 1,102 |
| Pretax return on assets | 2.2137% | 376 |
| Return on Equity (ROE) | 13.3718% | 952 |
| Retained earnings to average equity (ytd only) | 9.8695% | 597 |
| Net charge-offs to loans | 0.2167% | 1,072 |
| Credit loss provision to net charge-offs | 57.3436% | 2,942 |
| Earnings coverage of net charge-offs (x) | 12.0371% | 2,425 |
| Efficiency ratio | 86.0600% | 817 |
| Assets per employee ($millions) | 1.3800% | 5,917 |
| Cash dividends to net income (ytd only)* | 26.1917% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9067% | 4,838 |
| Loan loss allowance to noncurrent loans | 83.8589% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.8594% | 874 |
| Noncurrent loans to loans | 1.0813% | 2,093 |
| Net loans and leases to total assets | 87.7522% | 150 |
| Net loans and leases to deposits | 127.9390% | 52 |
| Net loans and leases to core deposits | 162.9469% | 82 |
| Total domestic deposits to total assets | 68.5891% | 5,754 |
| Equity capital to assets | 10.5983% | 3,457 |
| Core capital (leverage) ratio | 10.7007% | 2,788 |
| Tier 1 risk-based capital ratio | 19.6614% | 1,511 |
| Total risk-based capital ratio | 20.9241% | 1,473 |
| Memoranda: | ||
| Average total assets | $541,707,250 | 1,278 |
| Average earning assets | $500,877,500 | 1,279 |
| Average equity | $57,104,000 | 1,351 |
| Average total loans | $481,703,000 | 1,005 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5309% | 1,430 |
| Cost of funding earning assets | 0.5926% | 1,377 |
| Net interest margin | 3.9383% | 1,845 |
| Noninterest income to average assets | 11.7317% | 57 |
| Noninterest expense to average assets | 13.3764% | 50 |
| Loan and lease loss provision to assets | 0.1517% | 1,509 |
| Net operating income to assets | 1.2354% | 1,485 |
| Return on assets (ROA) | 1.2401% | 1,566 |
| Pretax return on assets | 1.8566% | 770 |
| Return on Equity (ROE) | 11.7888% | 1,388 |
| Retained earnings to average equity (ytd only) | 8.1186% | 1,140 |
| Net charge-offs to loans | 0.3637% | 641 |
| Credit loss provision to net charge-offs | 46.8415% | 2,701 |
| Earnings coverage of net charge-offs (x) | 6.1788% | 2,774 |
| Efficiency ratio | 86.9850% | 793 |
| Assets per employee ($millions) | 1.2955% | 6,001 |
| Cash dividends to net income (ytd only)* | 31.1333% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8782% | 5,019 |
| Loan loss allowance to noncurrent loans | 107.3933% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.5638% | 1,198 |
| Noncurrent loans to loans | 0.8178% | 2,698 |
| Net loans and leases to total assets | 88.1888% | 130 |
| Net loans and leases to deposits | 131.3258% | 35 |
| Net loans and leases to core deposits | 167.0495% | 72 |
| Total domestic deposits to total assets | 67.1527% | 5,860 |
| Equity capital to assets | 10.2375% | 3,928 |
| Core capital (leverage) ratio | 10.6404% | 2,805 |
| Tier 1 risk-based capital ratio | 18.6953% | 1,758 |
| Total risk-based capital ratio | 19.9569% | 1,716 |
| Memoranda: | ||
| Average total assets | $518,033,000 | 1,336 |
| Average earning assets | $479,595,000 | 1,327 |
| Average equity | $54,492,330 | 1,420 |
| Average total loans | $461,402,670 | 1,049 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3152% | 2,073 |
| Cost of funding earning assets | 0.5439% | 1,763 |
| Net interest margin | 3.7713% | 2,400 |
| Noninterest income to average assets | 11.1305% | 57 |
| Noninterest expense to average assets | 12.7190% | 55 |
| Loan and lease loss provision to assets | 0.0281% | 3,290 |
| Net operating income to assets | 1.1871% | 1,598 |
| Return on assets (ROA) | 1.1871% | 1,695 |
| Pretax return on assets | 1.8876% | 711 |
| Return on Equity (ROE) | 11.0907% | 1,573 |
| Retained earnings to average equity (ytd only) | 11.0907% | 637 |
| Net charge-offs to loans | 0.8299% | 248 |
| Credit loss provision to net charge-offs | 3.8018% | 2,405 |
| Earnings coverage of net charge-offs (x) | 2.5899% | 2,661 |
| Efficiency ratio | 86.9097% | 898 |
| Assets per employee ($millions) | 1.1032% | 6,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 4,358 |
| Loan loss allowance to noncurrent loans | 228.2541% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 1.7345% | 1,099 |
| Noncurrent loans to loans | 0.4581% | 3,806 |
| Net loans and leases to total assets | 88.1562% | 110 |
| Net loans and leases to deposits | 130.6721% | 34 |
| Net loans and leases to core deposits | 177.5852% | 54 |
| Total domestic deposits to total assets | 67.4637% | 5,937 |
| Equity capital to assets | 10.6993% | 3,258 |
| Core capital (leverage) ratio | 11.7389% | 1,804 |
| Tier 1 risk-based capital ratio | 22.3410% | 1,113 |
| Total risk-based capital ratio | 23.6106% | 1,088 |
| Memoranda: | ||
| Average total assets | $469,376,000 | 1,462 |
| Average earning assets | $436,133,000 | 1,463 |
| Average equity | $50,240,500 | 1,524 |
| Average total loans | $418,366,500 | 1,161 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3300% | 2,119 |
| Cost of funding earning assets | 0.5091% | 2,081 |
| Net interest margin | 3.8210% | 2,300 |
| Noninterest income to average assets | 12.3964% | 56 |
| Noninterest expense to average assets | 13.6516% | 55 |
| Loan and lease loss provision to assets | 0.0826% | 2,646 |
| Net operating income to assets | 1.3510% | 1,149 |
| Return on assets (ROA) | 1.3510% | 1,188 |
| Pretax return on assets | 2.2054% | 346 |
| Return on Equity (ROE) | 13.6441% | 920 |
| Retained earnings to average equity (ytd only) | 13.6441% | 177 |
| Net charge-offs to loans | -0.0073% | 5,042 |
| Credit loss provision to net charge-offs | -1,270.9677% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6459% | 1,023 |
| Assets per employee ($millions) | 1.1438% | 6,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 3,071 |
| Loan loss allowance to noncurrent loans | 212.0258% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 1.8507% | 1,011 |
| Noncurrent loans to loans | 0.5984% | 3,379 |
| Net loans and leases to total assets | 88.0468% | 123 |
| Net loans and leases to deposits | 143.8937% | 16 |
| Net loans and leases to core deposits | 180.7999% | 52 |
| Total domestic deposits to total assets | 61.1888% | 6,080 |
| Equity capital to assets | 10.7081% | 3,123 |
| Core capital (leverage) ratio | 11.7494% | 1,784 |
| Tier 1 risk-based capital ratio | 21.9640% | 1,155 |
| Total risk-based capital ratio | 23.2384% | 1,128 |
| Memoranda: | ||
| Average total assets | $477,058,600 | 1,419 |
| Average earning assets | $442,376,600 | 1,403 |
| Average equity | $47,236,400 | 1,564 |
| Average total loans | $423,027,800 | 1,079 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3611% | 2,046 |
| Cost of funding earning assets | 0.5125% | 2,098 |
| Net interest margin | 3.8486% | 2,197 |
| Noninterest income to average assets | 12.5336% | 57 |
| Noninterest expense to average assets | 13.7700% | 59 |
| Loan and lease loss provision to assets | 0.0972% | 2,229 |
| Net operating income to assets | 1.3676% | 1,188 |
| Return on assets (ROA) | 1.3676% | 1,238 |
| Pretax return on assets | 2.2339% | 380 |
| Return on Equity (ROE) | 14.0898% | 881 |
| Retained earnings to average equity (ytd only) | 14.0898% | 203 |
| Net charge-offs to loans | -0.0147% | 5,104 |
| Credit loss provision to net charge-offs | -744.6809% | 5,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5224% | 1,039 |
| Assets per employee ($millions) | 1.0696% | 6,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 2,880 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 2.2383% | 838 |
| Noncurrent loans to loans | 0.8973% | 2,731 |
| Net loans and leases to total assets | 87.3490% | 168 |
| Net loans and leases to deposits | 131.9245% | 38 |
| Net loans and leases to core deposits | 164.6044% | 69 |
| Total domestic deposits to total assets | 66.2114% | 6,086 |
| Equity capital to assets | 11.1606% | 2,834 |
| Core capital (leverage) ratio | 10.4651% | 3,081 |
| Tier 1 risk-based capital ratio | 22.4984% | 1,128 |
| Total risk-based capital ratio | 23.7743% | 1,101 |
| Memoranda: | ||
| Average total assets | $480,231,250 | 1,412 |
| Average earning assets | $445,135,250 | 1,398 |
| Average equity | $46,614,250 | 1,592 |
| Average total loans | $425,256,000 | 1,079 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1523% | 2,712 |
| Cost of funding earning assets | 0.4935% | 2,309 |
| Net interest margin | 3.6588% | 2,878 |
| Noninterest income to average assets | 12.6712% | 58 |
| Noninterest expense to average assets | 13.8843% | 55 |
| Loan and lease loss provision to assets | 0.1186% | 1,869 |
| Net operating income to assets | 1.2612% | 1,420 |
| Return on assets (ROA) | 1.2612% | 1,476 |
| Pretax return on assets | 2.0590% | 532 |
| Return on Equity (ROE) | 13.5958% | 985 |
| Retained earnings to average equity (ytd only) | 13.5958% | 264 |
| Net charge-offs to loans | -0.0251% | 5,252 |
| Credit loss provision to net charge-offs | -532.7273% | 5,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4426% | 1,026 |
| Assets per employee ($millions) | 1.3087% | 6,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0573% | 4,562 |
| Loan loss allowance to noncurrent loans | 123.9703% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 2.0429% | 1,066 |
| Noncurrent loans to loans | 0.8529% | 2,996 |
| Net loans and leases to total assets | 88.3505% | 123 |
| Net loans and leases to deposits | 149.8814% | 15 |
| Net loans and leases to core deposits | 205.7587% | 44 |
| Total domestic deposits to total assets | 58.9470% | 6,257 |
| Equity capital to assets | 8.5862% | 5,607 |
| Core capital (leverage) ratio | 9.5806% | 4,162 |
| Tier 1 risk-based capital ratio | 17.8485% | 2,115 |
| Total risk-based capital ratio | 19.1167% | 2,064 |
| Memoranda: | ||
| Average total assets | $494,127,000 | 1,374 |
| Average earning assets | $457,910,670 | 1,363 |
| Average equity | $45,837,670 | 1,626 |
| Average total loans | $437,578,000 | 1,054 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1265% | 2,721 |
| Cost of funding earning assets | 0.5042% | 2,248 |
| Net interest margin | 3.6223% | 2,917 |
| Noninterest income to average assets | 12.4894% | 60 |
| Noninterest expense to average assets | 13.7870% | 54 |
| Loan and lease loss provision to assets | 0.2227% | 789 |
| Net operating income to assets | 1.1280% | 1,760 |
| Return on assets (ROA) | 1.1280% | 1,866 |
| Pretax return on assets | 1.8329% | 819 |
| Return on Equity (ROE) | 11.6509% | 1,441 |
| Retained earnings to average equity (ytd only) | 11.6509% | 621 |
| Net charge-offs to loans | -0.0739% | 5,715 |
| Credit loss provision to net charge-offs | -342.1053% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0249% | 1,094 |
| Assets per employee ($millions) | 1.3012% | 6,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 4,345 |
| Loan loss allowance to noncurrent loans | 111.5792% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 2.2536% | 1,008 |
| Noncurrent loans to loans | 1.0169% | 2,729 |
| Net loans and leases to total assets | 87.7787% | 117 |
| Net loans and leases to deposits | 138.6673% | 21 |
| Net loans and leases to core deposits | 192.9546% | 48 |
| Total domestic deposits to total assets | 63.3016% | 6,289 |
| Equity capital to assets | 8.9295% | 5,367 |
| Core capital (leverage) ratio | 10.6337% | 2,815 |
| Tier 1 risk-based capital ratio | 18.7337% | 1,932 |
| Total risk-based capital ratio | 20.0044% | 1,892 |
| Memoranda: | ||
| Average total assets | $467,019,500 | 1,463 |
| Average earning assets | $432,326,000 | 1,452 |
| Average equity | $45,215,500 | 1,645 |
| Average total loans | $411,547,000 | 1,111 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2774% | 458 |
| Cost of funding earning assets | 0.7020% | 1,095 |
| Net interest margin | 4.5754% | 647 |
| Noninterest income to average assets | 8.4389% | 78 |
| Noninterest expense to average assets | 10.6061% | 69 |
| Loan and lease loss provision to assets | 0.2909% | 718 |
| Net operating income to assets | 0.8036% | 3,355 |
| Return on assets (ROA) | 0.8377% | 3,281 |
| Pretax return on assets | 1.2645% | 2,371 |
| Return on Equity (ROE) | 8.1307% | 3,060 |
| Retained earnings to average equity (ytd only) | 8.1307% | 976 |
| Net charge-offs to loans | 0.2159% | 1,940 |
| Credit loss provision to net charge-offs | 183.9879% | 1,329 |
| Earnings coverage of net charge-offs (x) | 9.5106% | 2,739 |
| Efficiency ratio | 87.5814% | 1,028 |
| Assets per employee ($millions) | 1.2073% | 6,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 3,351 |
| Loan loss allowance to noncurrent loans | 111.5242% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 2.7654% | 786 |
| Noncurrent loans to loans | 1.1769% | 2,482 |
| Net loans and leases to total assets | 86.1679% | 197 |
| Net loans and leases to deposits | 127.0647% | 57 |
| Net loans and leases to core deposits | 160.4242% | 82 |
| Total domestic deposits to total assets | 67.8142% | 6,275 |
| Equity capital to assets | 10.5970% | 3,359 |
| Core capital (leverage) ratio | 10.5123% | 2,932 |
| Tier 1 risk-based capital ratio | 21.6247% | 1,286 |
| Total risk-based capital ratio | 22.9001% | 1,259 |
| Memoranda: | ||
| Average total assets | $418,647,000 | 1,584 |
| Average earning assets | $335,906,000 | 1,788 |
| Average equity | $43,132,600 | 1,670 |
| Average total loans | $306,667,800 | 1,398 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4168% | 366 |
| Cost of funding earning assets | 0.7395% | 944 |
| Net interest margin | 4.6773% | 526 |
| Noninterest income to average assets | 7.6670% | 85 |
| Noninterest expense to average assets | 9.8968% | 77 |
| Loan and lease loss provision to assets | 0.3034% | 644 |
| Net operating income to assets | 0.7356% | 3,750 |
| Return on assets (ROA) | 0.7627% | 3,705 |
| Pretax return on assets | 1.1162% | 3,127 |
| Return on Equity (ROE) | 7.4566% | 3,465 |
| Retained earnings to average equity (ytd only) | 7.4566% | 1,589 |
| Net charge-offs to loans | 0.2695% | 1,455 |
| Credit loss provision to net charge-offs | 161.4601% | 1,501 |
| Earnings coverage of net charge-offs (x) | 7.3430% | 2,937 |
| Efficiency ratio | 87.7652% | 1,022 |
| Assets per employee ($millions) | 1.2855% | 6,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5624% | 2,445 |
| Loan loss allowance to noncurrent loans | 160.9375% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 2.4192% | 1,110 |
| Noncurrent loans to loans | 0.9708% | 3,137 |
| Net loans and leases to total assets | 65.6566% | 2,923 |
| Net loans and leases to deposits | 99.6101% | 634 |
| Net loans and leases to core deposits | 122.4814% | 338 |
| Total domestic deposits to total assets | 65.9136% | 6,405 |
| Equity capital to assets | 9.8571% | 4,344 |
| Core capital (leverage) ratio | 9.8150% | 3,919 |
| Tier 1 risk-based capital ratio | 20.0450% | 1,661 |
| Total risk-based capital ratio | 21.3172% | 1,626 |
| Memoranda: | ||
| Average total assets | $417,970,250 | 1,598 |
| Average earning assets | $322,542,500 | 1,871 |
| Average equity | $42,753,000 | 1,692 |
| Average total loans | $291,359,500 | 1,479 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1499% | 553 |
| Cost of funding earning assets | 0.7354% | 989 |
| Net interest margin | 4.4145% | 826 |
| Noninterest income to average assets | 7.0205% | 88 |
| Noninterest expense to average assets | 9.0912% | 85 |
| Loan and lease loss provision to assets | 0.3565% | 496 |
| Net operating income to assets | 0.7159% | 3,754 |
| Return on assets (ROA) | 0.7295% | 3,775 |
| Pretax return on assets | 1.0796% | 3,183 |
| Return on Equity (ROE) | 7.0395% | 3,604 |
| Retained earnings to average equity (ytd only) | 7.0395% | 1,748 |
| Net charge-offs to loans | 0.2307% | 1,654 |
| Credit loss provision to net charge-offs | 218.2635% | 1,090 |
| Earnings coverage of net charge-offs (x) | 8.6707% | 2,460 |
| Efficiency ratio | 86.5233% | 1,219 |
| Assets per employee ($millions) | 1.2348% | 6,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5273% | 2,768 |
| Loan loss allowance to noncurrent loans | 167.4919% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 3.2658% | 745 |
| Noncurrent loans to loans | 0.9119% | 3,439 |
| Net loans and leases to total assets | 68.0806% | 2,401 |
| Net loans and leases to deposits | 102.9282% | 401 |
| Net loans and leases to core deposits | 126.6224% | 261 |
| Total domestic deposits to total assets | 66.1438% | 6,478 |
| Equity capital to assets | 9.7818% | 4,385 |
| Core capital (leverage) ratio | 10.3259% | 3,174 |
| Tier 1 risk-based capital ratio | 19.3530% | 1,841 |
| Total risk-based capital ratio | 20.6269% | 1,797 |
| Memoranda: | ||
| Average total assets | $409,032,330 | 1,628 |
| Average earning assets | $323,071,670 | 1,861 |
| Average equity | $42,389,670 | 1,690 |
| Average total loans | $289,591,000 | 1,480 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0118% | 701 |
| Cost of funding earning assets | 0.7254% | 1,101 |
| Net interest margin | 4.2864% | 1,024 |
| Noninterest income to average assets | 5.4703% | 106 |
| Noninterest expense to average assets | 8.2055% | 106 |
| Loan and lease loss provision to assets | 0.2599% | 810 |
| Net operating income to assets | 0.3118% | 5,449 |
| Return on assets (ROA) | 0.3118% | 5,499 |
| Pretax return on assets | 0.4616% | 5,282 |
| Return on Equity (ROE) | 2.9168% | 5,489 |
| Retained earnings to average equity (ytd only) | 2.9168% | 4,350 |
| Net charge-offs to loans | 0.3523% | 1,014 |
| Credit loss provision to net charge-offs | 102.8226% | 1,619 |
| Earnings coverage of net charge-offs (x) | 2.8548% | 2,785 |
| Efficiency ratio | 91.9178% | 887 |
| Assets per employee ($millions) | 1.1879% | 6,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 3,164 |
| Loan loss allowance to noncurrent loans | 180.7432% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 3.4173% | 773 |
| Noncurrent loans to loans | 0.8271% | 3,817 |
| Net loans and leases to total assets | 68.8186% | 2,087 |
| Net loans and leases to deposits | 97.1557% | 585 |
| Net loans and leases to core deposits | 116.4460% | 399 |
| Total domestic deposits to total assets | 70.8334% | 6,408 |
| Equity capital to assets | 10.3129% | 3,449 |
| Core capital (leverage) ratio | 11.4086% | 2,041 |
| Tier 1 risk-based capital ratio | 20.4088% | 1,615 |
| Total risk-based capital ratio | 21.6837% | 1,574 |
| Memoranda: | ||
| Average total assets | $392,516,500 | 1,696 |
| Average earning assets | $316,533,500 | 1,903 |
| Average equity | $41,963,500 | 1,702 |
| Average total loans | $281,572,500 | 1,521 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2667% | 563 |
| Cost of funding earning assets | 0.9885% | 473 |
| Net interest margin | 4.2782% | 1,157 |
| Noninterest income to average assets | 6.2665% | 104 |
| Noninterest expense to average assets | 8.9583% | 95 |
| Loan and lease loss provision to assets | 0.0843% | 3,428 |
| Net operating income to assets | 0.4222% | 5,068 |
| Return on assets (ROA) | 0.4501% | 5,078 |
| Pretax return on assets | 0.4723% | 5,291 |
| Return on Equity (ROE) | 4.2705% | 4,986 |
| Retained earnings to average equity (ytd only) | -0.8775% | 6,044 |
| Net charge-offs to loans | 0.2718% | 2,339 |
| Credit loss provision to net charge-offs | 45.7219% | 3,924 |
| Earnings coverage of net charge-offs (x) | 2.8583% | 4,045 |
| Efficiency ratio | 94.4286% | 721 |
| Assets per employee ($millions) | 1.1616% | 6,749 |
| Cash dividends to net income (ytd only)* | 120.5479% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 2,988 |
| Loan loss allowance to noncurrent loans | 201.9376% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 3.6409% | 780 |
| Noncurrent loans to loans | 0.7644% | 4,056 |
| Net loans and leases to total assets | 72.6414% | 1,570 |
| Net loans and leases to deposits | 93.2567% | 936 |
| Net loans and leases to core deposits | 113.7737% | 474 |
| Total domestic deposits to total assets | 77.8940% | 5,842 |
| Equity capital to assets | 11.1038% | 2,522 |
| Core capital (leverage) ratio | 11.3295% | 2,088 |
| Tier 1 risk-based capital ratio | 21.8438% | 1,285 |
| Total risk-based capital ratio | 23.1215% | 1,254 |
| Memoranda: | ||
| Average total assets | $405,502,400 | 1,627 |
| Average earning assets | $305,103,400 | 1,943 |
| Average equity | $42,734,800 | 1,644 |
| Average total loans | $275,236,400 | 1,532 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3870% | 455 |
| Cost of funding earning assets | 1.0545% | 385 |
| Net interest margin | 4.3325% | 1,024 |
| Noninterest income to average assets | 7.1146% | 94 |
| Noninterest expense to average assets | 9.3204% | 92 |
| Loan and lease loss provision to assets | 0.0836% | 3,393 |
| Net operating income to assets | 0.7482% | 3,607 |
| Return on assets (ROA) | 0.7805% | 3,582 |
| Pretax return on assets | 0.9306% | 3,760 |
| Return on Equity (ROE) | 7.4970% | 3,380 |
| Retained earnings to average equity (ytd only) | 2.2261% | 4,989 |
| Net charge-offs to loans | 0.3318% | 1,881 |
| Credit loss provision to net charge-offs | 37.8655% | 3,753 |
| Earnings coverage of net charge-offs (x) | 4.4196% | 3,449 |
| Efficiency ratio | 90.5075% | 953 |
| Assets per employee ($millions) | 1.2670% | 6,818 |
| Cash dividends to net income (ytd only)* | 70.3060% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7071% | 2,603 |
| Loan loss allowance to noncurrent loans | 134.9619% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 4.5640% | 654 |
| Noncurrent loans to loans | 1.2649% | 3,289 |
| Net loans and leases to total assets | 65.7568% | 2,678 |
| Net loans and leases to deposits | 79.8857% | 2,429 |
| Net loans and leases to core deposits | 98.4605% | 1,208 |
| Total domestic deposits to total assets | 82.3136% | 4,823 |
| Equity capital to assets | 11.5235% | 2,286 |
| Core capital (leverage) ratio | 11.1577% | 2,337 |
| Tier 1 risk-based capital ratio | 22.8951% | 1,166 |
| Total risk-based capital ratio | 24.1741% | 1,142 |
| Memoranda: | ||
| Average total assets | $413,076,750 | 1,606 |
| Average earning assets | $303,340,750 | 1,964 |
| Average equity | $43,003,000 | 1,639 |
| Average total loans | $274,838,750 | 1,534 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4201% | 432 |
| Cost of funding earning assets | 1.1035% | 334 |
| Net interest margin | 4.3166% | 1,000 |
| Noninterest income to average assets | 8.0740% | 86 |
| Noninterest expense to average assets | 9.9535% | 82 |
| Loan and lease loss provision to assets | 0.0413% | 4,131 |
| Net operating income to assets | 1.0310% | 2,197 |
| Return on assets (ROA) | 1.0314% | 2,313 |
| Pretax return on assets | 1.2011% | 2,674 |
| Return on Equity (ROE) | 10.2257% | 2,118 |
| Retained earnings to average equity (ytd only) | 4.6480% | 3,296 |
| Net charge-offs to loans | 0.4178% | 1,546 |
| Credit loss provision to net charge-offs | 14.8649% | 3,831 |
| Earnings coverage of net charge-offs (x) | 4.4747% | 3,119 |
| Efficiency ratio | 88.8945% | 1,140 |
| Assets per employee ($millions) | 1.2563% | 6,865 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5120% | 3,530 |
| Loan loss allowance to noncurrent loans | 113.6673% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 4.3540% | 764 |
| Noncurrent loans to loans | 1.3302% | 3,333 |
| Net loans and leases to total assets | 68.0720% | 2,215 |
| Net loans and leases to deposits | 82.0476% | 2,055 |
| Net loans and leases to core deposits | 101.5406% | 974 |
| Total domestic deposits to total assets | 82.9665% | 4,706 |
| Equity capital to assets | 10.8337% | 2,912 |
| Core capital (leverage) ratio | 10.5487% | 2,819 |
| Tier 1 risk-based capital ratio | 21.8736% | 1,308 |
| Total risk-based capital ratio | 23.1504% | 1,278 |
| Memoranda: | ||
| Average total assets | $426,602,330 | 1,563 |
| Average earning assets | $308,481,000 | 1,943 |
| Average equity | $43,029,000 | 1,634 |
| Average total loans | $283,385,670 | 1,500 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0168% | 162 |
| Cost of funding earning assets | 1.1503% | 287 |
| Net interest margin | 4.8665% | 359 |
| Noninterest income to average assets | 8.6024% | 80 |
| Noninterest expense to average assets | 10.1891% | 82 |
| Loan and lease loss provision to assets | 0.0282% | 4,113 |
| Net operating income to assets | 1.1790% | 1,586 |
| Return on assets (ROA) | 1.1796% | 1,694 |
| Pretax return on assets | 1.7348% | 994 |
| Return on Equity (ROE) | 12.1016% | 1,391 |
| Retained earnings to average equity (ytd only) | 7.4400% | 1,968 |
| Net charge-offs to loans | 0.2509% | 1,951 |
| Credit loss provision to net charge-offs | 17.2222% | 3,079 |
| Earnings coverage of net charge-offs (x) | 10.7722% | 1,711 |
| Efficiency ratio | 85.2407% | 1,616 |
| Assets per employee ($millions) | 1.1580% | 6,950 |
| Cash dividends to net income (ytd only)* | 38.5208% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6807% | 3,090 |
| Loan loss allowance to noncurrent loans | 92.8089% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 4.9753% | 738 |
| Noncurrent loans to loans | 1.8109% | 2,847 |
| Net loans and leases to total assets | 65.3827% | 2,482 |
| Net loans and leases to deposits | 78.0726% | 2,329 |
| Net loans and leases to core deposits | 95.9081% | 1,205 |
| Total domestic deposits to total assets | 83.7460% | 4,573 |
| Equity capital to assets | 10.6762% | 3,344 |
| Core capital (leverage) ratio | 10.0150% | 3,364 |
| Tier 1 risk-based capital ratio | 20.8012% | 1,584 |
| Total risk-based capital ratio | 22.0764% | 1,550 |
| Memoranda: | ||
| Average total assets | $440,155,500 | 1,526 |
| Average earning assets | $302,884,000 | 1,988 |
| Average equity | $42,903,500 | 1,667 |
| Average total loans | $287,018,500 | 1,480 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4930% | 631 |
| Cost of funding earning assets | 1.2777% | 407 |
| Net interest margin | 4.2153% | 1,619 |
| Noninterest income to average assets | 10.3024% | 69 |
| Noninterest expense to average assets | 11.4036% | 67 |
| Loan and lease loss provision to assets | 0.9154% | 487 |
| Net operating income to assets | 0.5874% | 4,298 |
| Return on assets (ROA) | 0.6077% | 4,466 |
| Pretax return on assets | 0.9566% | 3,717 |
| Return on Equity (ROE) | 6.6109% | 3,854 |
| Retained earnings to average equity (ytd only) | 6.6109% | 1,761 |
| Net charge-offs to loans | 1.5767% | 546 |
| Credit loss provision to net charge-offs | 88.2645% | 3,539 |
| Earnings coverage of net charge-offs (x) | 1.7746% | 4,547 |
| Efficiency ratio | 86.0731% | 1,424 |
| Assets per employee ($millions) | 1.3122% | 7,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5366% | 3,587 |
| Loan loss allowance to noncurrent loans | 49.5709% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 4.8336% | 818 |
| Noncurrent loans to loans | 3.0997% | 1,670 |
| Net loans and leases to total assets | 63.1210% | 3,034 |
| Net loans and leases to deposits | 88.6811% | 1,201 |
| Net loans and leases to core deposits | 110.4965% | 526 |
| Total domestic deposits to total assets | 71.1775% | 6,733 |
| Equity capital to assets | 8.9548% | 5,573 |
| Core capital (leverage) ratio | 9.9993% | 3,397 |
| Tier 1 risk-based capital ratio | 17.9390% | 2,277 |
| Total risk-based capital ratio | 19.2090% | 2,245 |
| Memoranda: | ||
| Average total assets | $446,140,200 | 1,478 |
| Average earning assets | $311,343,200 | 1,899 |
| Average equity | $41,008,000 | 1,705 |
| Average total loans | $293,455,200 | 1,430 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5196% | 653 |
| Cost of funding earning assets | 1.3206% | 404 |
| Net interest margin | 4.1991% | 1,740 |
| Noninterest income to average assets | 9.9280% | 72 |
| Noninterest expense to average assets | 11.2895% | 67 |
| Loan and lease loss provision to assets | 0.9496% | 449 |
| Net operating income to assets | 0.4512% | 5,030 |
| Return on assets (ROA) | 0.4812% | 5,174 |
| Pretax return on assets | 0.6874% | 4,903 |
| Return on Equity (ROE) | 5.1985% | 4,723 |
| Retained earnings to average equity (ytd only) | 5.1985% | 3,221 |
| Net charge-offs to loans | 1.2930% | 731 |
| Credit loss provision to net charge-offs | 110.8904% | 2,642 |
| Earnings coverage of net charge-offs (x) | 1.8617% | 4,331 |
| Efficiency ratio | 87.5887% | 1,241 |
| Assets per employee ($millions) | 1.1579% | 7,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8823% | 2,536 |
| Loan loss allowance to noncurrent loans | 38.5108% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 6.9729% | 516 |
| Noncurrent loans to loans | 4.8876% | 931 |
| Net loans and leases to total assets | 67.8258% | 2,323 |
| Net loans and leases to deposits | 84.5445% | 1,797 |
| Net loans and leases to core deposits | 104.4378% | 847 |
| Total domestic deposits to total assets | 80.2249% | 5,594 |
| Equity capital to assets | 9.7597% | 4,836 |
| Core capital (leverage) ratio | 9.8376% | 3,770 |
| Tier 1 risk-based capital ratio | 17.8509% | 2,409 |
| Total risk-based capital ratio | 19.1272% | 2,365 |
| Memoranda: | ||
| Average total assets | $438,923,250 | 1,517 |
| Average earning assets | $308,950,250 | 1,935 |
| Average equity | $40,626,000 | 1,734 |
| Average total loans | $290,691,750 | 1,457 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5835% | 593 |
| Cost of funding earning assets | 1.3550% | 419 |
| Net interest margin | 4.2285% | 1,671 |
| Noninterest income to average assets | 9.1400% | 76 |
| Noninterest expense to average assets | 10.7037% | 72 |
| Loan and lease loss provision to assets | 1.0456% | 415 |
| Net operating income to assets | 0.2532% | 5,757 |
| Return on assets (ROA) | 0.2989% | 5,825 |
| Pretax return on assets | 0.4148% | 5,674 |
| Return on Equity (ROE) | 3.2867% | 5,563 |
| Retained earnings to average equity (ytd only) | 3.2867% | 4,419 |
| Net charge-offs to loans | 1.3091% | 809 |
| Credit loss provision to net charge-offs | 122.3101% | 2,245 |
| Earnings coverage of net charge-offs (x) | 1.6340% | 4,175 |
| Efficiency ratio | 88.4157% | 1,198 |
| Assets per employee ($millions) | 1.1557% | 7,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9990% | 2,235 |
| Loan loss allowance to noncurrent loans | 43.9265% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 7.0471% | 553 |
| Noncurrent loans to loans | 4.5508% | 1,154 |
| Net loans and leases to total assets | 66.6999% | 2,524 |
| Net loans and leases to deposits | 79.0414% | 2,519 |
| Net loans and leases to core deposits | 98.5096% | 1,220 |
| Total domestic deposits to total assets | 84.3861% | 4,149 |
| Equity capital to assets | 9.7694% | 4,671 |
| Core capital (leverage) ratio | 9.3703% | 4,341 |
| Tier 1 risk-based capital ratio | 18.0031% | 2,287 |
| Total risk-based capital ratio | 19.2796% | 2,254 |
| Memoranda: | ||
| Average total assets | $443,586,670 | 1,503 |
| Average earning assets | $310,558,670 | 1,928 |
| Average equity | $40,344,000 | 1,731 |
| Average total loans | $289,674,670 | 1,463 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8361% | 401 |
| Cost of funding earning assets | 1.4089% | 415 |
| Net interest margin | 4.4272% | 1,169 |
| Noninterest income to average assets | 8.6084% | 78 |
| Noninterest expense to average assets | 10.1990% | 80 |
| Loan and lease loss provision to assets | 0.8884% | 502 |
| Net operating income to assets | 0.3830% | 5,331 |
| Return on assets (ROA) | 0.4717% | 5,145 |
| Pretax return on assets | 0.6551% | 4,926 |
| Return on Equity (ROE) | 5.3666% | 4,600 |
| Retained earnings to average equity (ytd only) | 5.3666% | 3,330 |
| Net charge-offs to loans | 0.5809% | 1,645 |
| Credit loss provision to net charge-offs | 238.7324% | 1,184 |
| Earnings coverage of net charge-offs (x) | 3.8169% | 2,737 |
| Efficiency ratio | 87.7387% | 1,307 |
| Assets per employee ($millions) | 1.3121% | 7,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9649% | 2,468 |
| Loan loss allowance to noncurrent loans | 42.9733% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 7.2654% | 570 |
| Noncurrent loans to loans | 4.5723% | 1,261 |
| Net loans and leases to total assets | 66.1813% | 2,438 |
| Net loans and leases to deposits | 79.6887% | 2,246 |
| Net loans and leases to core deposits | 101.0973% | 922 |
| Total domestic deposits to total assets | 83.0498% | 4,903 |
| Equity capital to assets | 9.2310% | 5,186 |
| Core capital (leverage) ratio | 8.8604% | 5,048 |
| Tier 1 risk-based capital ratio | 16.5405% | 2,890 |
| Total risk-based capital ratio | 17.8129% | 2,847 |
| Memoranda: | ||
| Average total assets | $457,927,000 | 1,459 |
| Average earning assets | $311,438,500 | 1,920 |
| Average equity | $40,249,000 | 1,724 |
| Average total loans | $293,318,500 | 1,448 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3366% | 1,603 |
| Cost of funding earning assets | 1.4627% | 827 |
| Net interest margin | 3.8739% | 3,453 |
| Noninterest income to average assets | 4.0601% | 152 |
| Noninterest expense to average assets | 6.0889% | 200 |
| Loan and lease loss provision to assets | 0.6681% | 1,531 |
| Net operating income to assets | 0.3281% | 5,155 |
| Return on assets (ROA) | 0.3263% | 5,316 |
| Pretax return on assets | 0.3263% | 5,490 |
| Return on Equity (ROE) | 3.5840% | 5,036 |
| Retained earnings to average equity (ytd only) | 3.5840% | 3,678 |
| Net charge-offs to loans | 1.2014% | 1,397 |
| Credit loss provision to net charge-offs | 78.4717% | 4,526 |
| Earnings coverage of net charge-offs (x) | 1.1701% | 4,915 |
| Efficiency ratio | 85.8074% | 1,585 |
| Assets per employee ($millions) | 1.3646% | 7,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7958% | 2,881 |
| Loan loss allowance to noncurrent loans | 32.7665% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 6.5662% | 718 |
| Noncurrent loans to loans | 5.4806% | 968 |
| Net loans and leases to total assets | 59.7907% | 4,027 |
| Net loans and leases to deposits | 80.1787% | 2,491 |
| Net loans and leases to core deposits | 100.5365% | 1,129 |
| Total domestic deposits to total assets | 74.5718% | 6,666 |
| Equity capital to assets | 8.3842% | 6,266 |
| Core capital (leverage) ratio | 8.3879% | 5,734 |
| Tier 1 risk-based capital ratio | 15.0768% | 3,596 |
| Total risk-based capital ratio | 16.3407% | 3,547 |
| Memoranda: | ||
| Average total assets | $428,810,600 | 1,520 |
| Average earning assets | $334,855,800 | 1,773 |
| Average equity | $39,034,600 | 1,726 |
| Average total loans | $303,896,200 | 1,399 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0884% | 2,662 |
| Cost of funding earning assets | 1.4580% | 997 |
| Net interest margin | 3.6304% | 4,655 |
| Noninterest income to average assets | 2.8294% | 230 |
| Noninterest expense to average assets | 5.0620% | 355 |
| Loan and lease loss provision to assets | 0.5489% | 1,791 |
| Net operating income to assets | 0.1127% | 5,935 |
| Return on assets (ROA) | 0.1162% | 6,039 |
| Pretax return on assets | 0.1987% | 5,898 |
| Return on Equity (ROE) | 1.2480% | 6,017 |
| Retained earnings to average equity (ytd only) | 1.2480% | 5,512 |
| Net charge-offs to loans | 0.8412% | 1,894 |
| Credit loss provision to net charge-offs | 88.4933% | 3,820 |
| Earnings coverage of net charge-offs (x) | 1.1966% | 4,729 |
| Efficiency ratio | 87.0203% | 1,432 |
| Assets per employee ($millions) | 1.5160% | 7,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7674% | 3,046 |
| Loan loss allowance to noncurrent loans | 25.8976% | 6,450 |
| Noncurrent assets plus other real estate owned to assets | 8.3130% | 517 |
| Noncurrent loans to loans | 6.8247% | 742 |
| Net loans and leases to total assets | 72.8821% | 1,536 |
| Net loans and leases to deposits | 93.8776% | 846 |
| Net loans and leases to core deposits | 117.3477% | 458 |
| Total domestic deposits to total assets | 77.6352% | 6,267 |
| Equity capital to assets | 8.8528% | 5,915 |
| Core capital (leverage) ratio | 9.2073% | 4,622 |
| Tier 1 risk-based capital ratio | 14.5906% | 3,909 |
| Total risk-based capital ratio | 15.8579% | 3,876 |
| Memoranda: | ||
| Average total assets | $416,610,500 | 1,569 |
| Average earning assets | $341,371,000 | 1,748 |
| Average equity | $38,782,250 | 1,742 |
| Average total loans | $307,173,000 | 1,396 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0966% | 2,699 |
| Cost of funding earning assets | 1.5242% | 924 |
| Net interest margin | 3.5723% | 4,829 |
| Noninterest income to average assets | 2.0611% | 346 |
| Noninterest expense to average assets | 4.3195% | 731 |
| Loan and lease loss provision to assets | 0.4956% | 1,987 |
| Net operating income to assets | 0.1249% | 5,947 |
| Return on assets (ROA) | 0.1303% | 6,027 |
| Pretax return on assets | 0.2096% | 5,911 |
| Return on Equity (ROE) | 1.3750% | 5,992 |
| Retained earnings to average equity (ytd only) | 1.3750% | 5,308 |
| Net charge-offs to loans | 0.7269% | 2,057 |
| Credit loss provision to net charge-offs | 92.6740% | 3,387 |
| Earnings coverage of net charge-offs (x) | 1.3031% | 4,307 |
| Efficiency ratio | 85.8844% | 1,611 |
| Assets per employee ($millions) | 1.6313% | 7,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0380% | 2,265 |
| Loan loss allowance to noncurrent loans | 23.3395% | 6,604 |
| Noncurrent assets plus other real estate owned to assets | 9.3909% | 439 |
| Noncurrent loans to loans | 8.7320% | 483 |
| Net loans and leases to total assets | 70.7196% | 2,066 |
| Net loans and leases to deposits | 87.4442% | 1,585 |
| Net loans and leases to core deposits | 109.1932% | 748 |
| Total domestic deposits to total assets | 80.8739% | 5,572 |
| Equity capital to assets | 9.6533% | 4,595 |
| Core capital (leverage) ratio | 9.5243% | 3,921 |
| Tier 1 risk-based capital ratio | 14.8329% | 3,593 |
| Total risk-based capital ratio | 16.1007% | 3,547 |
| Memoranda: | ||
| Average total assets | $408,426,670 | 1,611 |
| Average earning assets | $337,873,000 | 1,774 |
| Average equity | $38,691,330 | 1,733 |
| Average total loans | $300,459,670 | 1,443 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0448% | 2,884 |
| Cost of funding earning assets | 1.5582% | 953 |
| Net interest margin | 3.4866% | 5,069 |
| Noninterest income to average assets | 1.9301% | 374 |
| Noninterest expense to average assets | 3.9730% | 1,071 |
| Loan and lease loss provision to assets | 0.5010% | 1,740 |
| Net operating income to assets | 0.2442% | 5,635 |
| Return on assets (ROA) | 0.2442% | 5,701 |
| Pretax return on assets | 0.3882% | 5,376 |
| Return on Equity (ROE) | 2.6017% | 5,562 |
| Retained earnings to average equity (ytd only) | 2.6017% | 4,603 |
| Net charge-offs to loans | 0.5333% | 2,161 |
| Credit loss provision to net charge-offs | 126.5356% | 2,177 |
| Earnings coverage of net charge-offs (x) | 2.2457% | 3,194 |
| Efficiency ratio | 81.4726% | 2,309 |
| Assets per employee ($millions) | 2.7642% | 6,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1268% | 2,126 |
| Loan loss allowance to noncurrent loans | 29.5773% | 6,325 |
| Noncurrent assets plus other real estate owned to assets | 8.8495% | 502 |
| Noncurrent loans to loans | 7.1906% | 750 |
| Net loans and leases to total assets | 71.2047% | 1,883 |
| Net loans and leases to deposits | 86.3489% | 1,676 |
| Net loans and leases to core deposits | 105.8655% | 947 |
| Total domestic deposits to total assets | 82.4616% | 5,123 |
| Equity capital to assets | 9.7787% | 4,061 |
| Core capital (leverage) ratio | 9.0347% | 4,561 |
| Tier 1 risk-based capital ratio | 14.5525% | 3,703 |
| Total risk-based capital ratio | 15.8208% | 3,655 |
| Memoranda: | ||
| Average total assets | $411,179,500 | 1,609 |
| Average earning assets | $345,782,000 | 1,741 |
| Average equity | $38,589,500 | 1,724 |
| Average total loans | $305,253,500 | 1,431 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2680% | 3,283 |
| Cost of funding earning assets | 1.9221% | 783 |
| Net interest margin | 3.3459% | 5,807 |
| Noninterest income to average assets | 1.3850% | 761 |
| Noninterest expense to average assets | 4.0067% | 1,151 |
| Loan and lease loss provision to assets | 0.6134% | 2,682 |
| Net operating income to assets | -0.5304% | 6,405 |
| Return on assets (ROA) | -0.3167% | 6,272 |
| Pretax return on assets | -0.2207% | 6,105 |
| Return on Equity (ROE) | -3.5094% | 6,322 |
| Retained earnings to average equity (ytd only) | -3.5094% | 6,153 |
| Net charge-offs to loans | 0.9532% | 2,277 |
| Credit loss provision to net charge-offs | 87.7033% | 5,222 |
| Earnings coverage of net charge-offs (x) | 0.2560% | 5,852 |
| Efficiency ratio | 95.3196% | 995 |
| Assets per employee ($millions) | 3.2112% | 5,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8604% | 2,663 |
| Loan loss allowance to noncurrent loans | 26.9393% | 6,488 |
| Noncurrent assets plus other real estate owned to assets | 8.6058% | 540 |
| Noncurrent loans to loans | 6.9060% | 825 |
| Net loans and leases to total assets | 74.2076% | 1,616 |
| Net loans and leases to deposits | 91.0472% | 1,393 |
| Net loans and leases to core deposits | 111.8010% | 826 |
| Total domestic deposits to total assets | 81.5045% | 5,354 |
| Equity capital to assets | 9.0207% | 5,112 |
| Core capital (leverage) ratio | 8.5694% | 5,240 |
| Tier 1 risk-based capital ratio | 13.2363% | 4,426 |
| Total risk-based capital ratio | 14.5008% | 4,363 |
| Memoranda: | ||
| Average total assets | $439,487,000 | 1,517 |
| Average earning assets | $367,878,400 | 1,635 |
| Average equity | $39,664,600 | 1,666 |
| Average total loans | $322,488,600 | 1,389 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3607% | 3,071 |
| Cost of funding earning assets | 1.9859% | 788 |
| Net interest margin | 3.3748% | 5,766 |
| Noninterest income to average assets | 0.8649% | 1,931 |
| Noninterest expense to average assets | 3.3879% | 2,332 |
| Loan and lease loss provision to assets | 0.7369% | 2,080 |
| Net operating income to assets | -0.5615% | 6,640 |
| Return on assets (ROA) | -0.2787% | 6,459 |
| Pretax return on assets | -0.1515% | 6,272 |
| Return on Equity (ROE) | -3.0872% | 6,499 |
| Retained earnings to average equity (ytd only) | -3.0872% | 6,360 |
| Net charge-offs to loans | 1.0501% | 1,928 |
| Credit loss provision to net charge-offs | 96.3371% | 4,502 |
| Earnings coverage of net charge-offs (x) | 0.3954% | 5,631 |
| Efficiency ratio | 91.2898% | 1,187 |
| Assets per employee ($millions) | 3.2446% | 5,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0278% | 2,155 |
| Loan loss allowance to noncurrent loans | 31.4681% | 6,246 |
| Noncurrent assets plus other real estate owned to assets | 7.9772% | 631 |
| Noncurrent loans to loans | 6.4441% | 928 |
| Net loans and leases to total assets | 70.4556% | 2,624 |
| Net loans and leases to deposits | 84.6893% | 2,583 |
| Net loans and leases to core deposits | 104.7793% | 1,416 |
| Total domestic deposits to total assets | 83.1931% | 4,510 |
| Equity capital to assets | 9.1122% | 5,427 |
| Core capital (leverage) ratio | 8.6348% | 5,290 |
| Tier 1 risk-based capital ratio | 12.3140% | 5,165 |
| Total risk-based capital ratio | 13.5767% | 5,127 |
| Memoranda: | ||
| Average total assets | $442,588,000 | 1,528 |
| Average earning assets | $370,538,000 | 1,653 |
| Average equity | $39,949,250 | 1,672 |
| Average total loans | $322,376,750 | 1,408 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3184% | 3,379 |
| Cost of funding earning assets | 2.0619% | 749 |
| Net interest margin | 3.2565% | 6,145 |
| Noninterest income to average assets | 0.2375% | 6,208 |
| Noninterest expense to average assets | 2.9170% | 4,013 |
| Loan and lease loss provision to assets | 0.4862% | 2,864 |
| Net operating income to assets | -0.5494% | 6,697 |
| Return on assets (ROA) | -0.2801% | 6,498 |
| Pretax return on assets | 0.0013% | 6,152 |
| Return on Equity (ROE) | -3.1127% | 6,530 |
| Retained earnings to average equity (ytd only) | -3.1127% | 6,318 |
| Net charge-offs to loans | 0.6042% | 2,720 |
| Credit loss provision to net charge-offs | 110.0406% | 3,699 |
| Earnings coverage of net charge-offs (x) | 0.1511% | 5,572 |
| Efficiency ratio | 97.1313% | 911 |
| Assets per employee ($millions) | 3.5203% | 4,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0199% | 2,129 |
| Loan loss allowance to noncurrent loans | 35.7163% | 5,982 |
| Noncurrent assets plus other real estate owned to assets | 8.0280% | 611 |
| Noncurrent loans to loans | 5.6554% | 1,154 |
| Net loans and leases to total assets | 72.6505% | 2,239 |
| Net loans and leases to deposits | 87.1666% | 2,310 |
| Net loans and leases to core deposits | 108.5708% | 1,256 |
| Total domestic deposits to total assets | 83.3467% | 4,416 |
| Equity capital to assets | 9.1435% | 5,229 |
| Core capital (leverage) ratio | 8.7060% | 5,063 |
| Tier 1 risk-based capital ratio | 12.5631% | 4,801 |
| Total risk-based capital ratio | 13.8266% | 4,769 |
| Memoranda: | ||
| Average total assets | $446,274,000 | 1,534 |
| Average earning assets | $376,354,330 | 1,639 |
| Average equity | $40,158,330 | 1,655 |
| Average total loans | $326,392,330 | 1,402 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3153% | 3,470 |
| Cost of funding earning assets | 2.1500% | 687 |
| Net interest margin | 3.1653% | 6,403 |
| Noninterest income to average assets | 0.5873% | 3,356 |
| Noninterest expense to average assets | 2.8491% | 4,282 |
| Loan and lease loss provision to assets | 0.3533% | 3,258 |
| Net operating income to assets | -0.3001% | 6,667 |
| Return on assets (ROA) | -0.2243% | 6,644 |
| Pretax return on assets | 0.1713% | 5,966 |
| Return on Equity (ROE) | -2.5122% | 6,695 |
| Retained earnings to average equity (ytd only) | -2.5122% | 6,293 |
| Net charge-offs to loans | 0.1495% | 4,038 |
| Credit loss provision to net charge-offs | 325.2033% | 1,216 |
| Earnings coverage of net charge-offs (x) | 3.7398% | 2,805 |
| Efficiency ratio | 86.9506% | 1,692 |
| Assets per employee ($millions) | 4.0802% | 3,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0923% | 1,974 |
| Loan loss allowance to noncurrent loans | 51.2854% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 6.7414% | 822 |
| Noncurrent loans to loans | 4.0797% | 1,909 |
| Net loans and leases to total assets | 70.1056% | 2,908 |
| Net loans and leases to deposits | 86.3063% | 2,526 |
| Net loans and leases to core deposits | 109.4683% | 1,315 |
| Total domestic deposits to total assets | 81.2288% | 5,370 |
| Equity capital to assets | 9.0560% | 5,194 |
| Core capital (leverage) ratio | 8.6511% | 5,109 |
| Tier 1 risk-based capital ratio | 13.7080% | 3,860 |
| Total risk-based capital ratio | 14.9741% | 3,800 |
| Memoranda: | ||
| Average total assets | $452,913,500 | 1,547 |
| Average earning assets | $381,767,000 | 1,662 |
| Average equity | $40,442,000 | 1,655 |
| Average total loans | $329,059,500 | 1,431 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3363% | 4,998 |
| Cost of funding earning assets | 2.5666% | 864 |
| Net interest margin | 2.7698% | 7,109 |
| Noninterest income to average assets | 1.4849% | 650 |
| Noninterest expense to average assets | 5.5426% | 386 |
| Loan and lease loss provision to assets | 1.6344% | 1,399 |
| Net operating income to assets | -2.9317% | 7,377 |
| Return on assets (ROA) | -2.9132% | 7,388 |
| Pretax return on assets | -3.2974% | 7,368 |
| Return on Equity (ROE) | -27.5713% | 7,353 |
| Retained earnings to average equity (ytd only) | -27.5713% | 7,328 |
| Net charge-offs to loans | 1.8508% | 1,346 |
| Credit loss provision to net charge-offs | 124.9759% | 4,195 |
| Earnings coverage of net charge-offs (x) | -1.2877% | 6,926 |
| Efficiency ratio | 86.2150% | 2,084 |
| Assets per employee ($millions) | 4.1539% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8801% | 2,313 |
| Loan loss allowance to noncurrent loans | 46.0784% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 6.9478% | 728 |
| Noncurrent loans to loans | 4.0802% | 1,810 |
| Net loans and leases to total assets | 72.2819% | 2,685 |
| Net loans and leases to deposits | 89.7153% | 2,258 |
| Net loans and leases to core deposits | 138.8437% | 847 |
| Total domestic deposits to total assets | 80.5681% | 5,484 |
| Equity capital to assets | 8.8071% | 5,425 |
| Core capital (leverage) ratio | 8.3981% | 5,445 |
| Tier 1 risk-based capital ratio | 12.6547% | 4,397 |
| Total risk-based capital ratio | 13.9173% | 4,326 |
| Memoranda: | ||
| Average total assets | $475,461,000 | 1,462 |
| Average earning assets | $407,472,400 | 1,553 |
| Average equity | $50,237,000 | 1,339 |
| Average total loans | $335,962,000 | 1,433 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3377% | 5,232 |
| Cost of funding earning assets | 2.6446% | 921 |
| Net interest margin | 2.6931% | 7,220 |
| Noninterest income to average assets | 1.7161% | 498 |
| Noninterest expense to average assets | 3.2886% | 2,959 |
| Loan and lease loss provision to assets | 1.5714% | 1,207 |
| Net operating income to assets | -0.5845% | 6,515 |
| Return on assets (ROA) | -0.5650% | 6,487 |
| Pretax return on assets | -0.8107% | 6,549 |
| Return on Equity (ROE) | -5.1413% | 6,470 |
| Retained earnings to average equity (ytd only) | -5.1413% | 6,276 |
| Net charge-offs to loans | 1.6607% | 1,223 |
| Credit loss provision to net charge-offs | 135.2983% | 3,668 |
| Earnings coverage of net charge-offs (x) | 0.6310% | 5,396 |
| Efficiency ratio | 81.0644% | 2,703 |
| Assets per employee ($millions) | 4.8088% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9158% | 1,992 |
| Loan loss allowance to noncurrent loans | 25.9474% | 6,727 |
| Noncurrent assets plus other real estate owned to assets | 7.4541% | 605 |
| Noncurrent loans to loans | 7.3835% | 705 |
| Net loans and leases to total assets | 67.1376% | 4,153 |
| Net loans and leases to deposits | 82.1304% | 3,998 |
| Net loans and leases to core deposits | 127.9153% | 1,585 |
| Total domestic deposits to total assets | 81.7452% | 4,788 |
| Equity capital to assets | 10.9417% | 3,069 |
| Core capital (leverage) ratio | 8.5236% | 5,451 |
| Tier 1 risk-based capital ratio | 12.9006% | 4,269 |
| Total risk-based capital ratio | 14.1618% | 4,192 |
| Memoranda: | ||
| Average total assets | $479,055,750 | 1,463 |
| Average earning assets | $410,080,250 | 1,560 |
| Average equity | $52,644,250 | 1,276 |
| Average total loans | $335,036,250 | 1,460 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2863% | 5,714 |
| Cost of funding earning assets | 2.7334% | 953 |
| Net interest margin | 2.5530% | 7,412 |
| Noninterest income to average assets | 1.9542% | 391 |
| Noninterest expense to average assets | 3.3981% | 2,639 |
| Loan and lease loss provision to assets | 1.8309% | 901 |
| Net operating income to assets | -0.7806% | 6,818 |
| Return on assets (ROA) | -0.7503% | 6,801 |
| Pretax return on assets | -1.0325% | 6,838 |
| Return on Equity (ROE) | -6.8181% | 6,779 |
| Retained earnings to average equity (ytd only) | -6.8181% | 6,538 |
| Net charge-offs to loans | 1.5953% | 1,185 |
| Credit loss provision to net charge-offs | 162.9464% | 2,821 |
| Earnings coverage of net charge-offs (x) | 0.6737% | 5,032 |
| Efficiency ratio | 81.0865% | 2,870 |
| Assets per employee ($millions) | 5.0112% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8989% | 1,796 |
| Loan loss allowance to noncurrent loans | 25.1688% | 6,834 |
| Noncurrent assets plus other real estate owned to assets | 6.7268% | 663 |
| Noncurrent loans to loans | 7.5446% | 614 |
| Net loans and leases to total assets | 69.3496% | 3,864 |
| Net loans and leases to deposits | 90.6872% | 2,719 |
| Net loans and leases to core deposits | 135.5067% | 1,241 |
| Total domestic deposits to total assets | 76.4713% | 6,446 |
| Equity capital to assets | 10.7410% | 3,168 |
| Core capital (leverage) ratio | 8.7084% | 5,073 |
| Tier 1 risk-based capital ratio | 12.8054% | 4,287 |
| Total risk-based capital ratio | 14.0672% | 4,192 |
| Memoranda: | ||
| Average total assets | $478,449,330 | 1,486 |
| Average earning assets | $412,459,330 | 1,574 |
| Average equity | $52,653,670 | 1,289 |
| Average total loans | $336,997,000 | 1,478 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2928% | 5,921 |
| Cost of funding earning assets | 2.8456% | 876 |
| Net interest margin | 2.4472% | 7,563 |
| Noninterest income to average assets | 2.2249% | 303 |
| Noninterest expense to average assets | 3.4679% | 2,176 |
| Loan and lease loss provision to assets | 2.4693% | 469 |
| Net operating income to assets | -1.0636% | 7,293 |
| Return on assets (ROA) | -1.0636% | 7,303 |
| Pretax return on assets | -1.5894% | 7,401 |
| Return on Equity (ROE) | -9.5470% | 7,333 |
| Retained earnings to average equity (ytd only) | -9.5470% | 7,062 |
| Net charge-offs to loans | 2.6228% | 514 |
| Credit loss provision to net charge-offs | 133.9122% | 3,021 |
| Earnings coverage of net charge-offs (x) | 0.4771% | 4,607 |
| Efficiency ratio | 79.1045% | 2,979 |
| Assets per employee ($millions) | 5.1589% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6815% | 2,204 |
| Loan loss allowance to noncurrent loans | 22.9084% | 7,023 |
| Noncurrent assets plus other real estate owned to assets | 6.2585% | 614 |
| Noncurrent loans to loans | 7.3402% | 521 |
| Net loans and leases to total assets | 68.6806% | 3,981 |
| Net loans and leases to deposits | 88.9892% | 3,108 |
| Net loans and leases to core deposits | 134.8436% | 1,368 |
| Total domestic deposits to total assets | 77.1785% | 6,231 |
| Equity capital to assets | 11.1119% | 2,881 |
| Core capital (leverage) ratio | 8.7973% | 4,995 |
| Tier 1 risk-based capital ratio | 12.8630% | 4,281 |
| Total risk-based capital ratio | 14.1204% | 4,193 |
| Memoranda: | ||
| Average total assets | $474,633,000 | 1,507 |
| Average earning assets | $411,729,000 | 1,583 |
| Average equity | $52,875,500 | 1,285 |
| Average total loans | $333,685,000 | 1,506 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0718% | 5,194 |
| Cost of funding earning assets | 3.4628% | 578 |
| Net interest margin | 2.6090% | 7,634 |
| Noninterest income to average assets | 1.1008% | 1,297 |
| Noninterest expense to average assets | 3.1343% | 3,563 |
| Loan and lease loss provision to assets | 1.7503% | 729 |
| Net operating income to assets | -0.8422% | 7,161 |
| Return on assets (ROA) | -0.8108% | 7,049 |
| Pretax return on assets | -1.3869% | 7,205 |
| Return on Equity (ROE) | -7.0543% | 7,052 |
| Retained earnings to average equity (ytd only) | -7.6383% | 6,853 |
| Net charge-offs to loans | 2.0562% | 518 |
| Credit loss provision to net charge-offs | 117.7808% | 4,567 |
| Earnings coverage of net charge-offs (x) | 0.2115% | 6,107 |
| Efficiency ratio | 89.5939% | 1,546 |
| Assets per employee ($millions) | 5.3331% | 1,600 |
| Cash dividends to net income (ytd only)* | -8.2781% | 7,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 2,977 |
| Loan loss allowance to noncurrent loans | 25.4181% | 6,984 |
| Noncurrent assets plus other real estate owned to assets | 5.2176% | 645 |
| Noncurrent loans to loans | 5.6619% | 683 |
| Net loans and leases to total assets | 69.7341% | 4,082 |
| Net loans and leases to deposits | 90.2325% | 3,413 |
| Net loans and leases to core deposits | 158.7068% | 602 |
| Total domestic deposits to total assets | 77.2827% | 5,922 |
| Equity capital to assets | 11.1687% | 2,902 |
| Core capital (leverage) ratio | 9.6173% | 3,860 |
| Tier 1 risk-based capital ratio | 13.0293% | 4,091 |
| Total risk-based capital ratio | 14.2833% | 4,000 |
| Memoranda: | ||
| Average total assets | $446,956,400 | 1,535 |
| Average earning assets | $402,220,400 | 1,550 |
| Average equity | $51,372,600 | 1,311 |
| Average total loans | $323,024,200 | 1,501 |