Home > Citizens State Bank > Performance and Condition Ratios
Citizens State Bank, Performance and Condition Ratios
| 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 | 5.2794% | 850 |
| Cost of funding earning assets | 1.1764% | 1,060 |
| Net interest margin | 4.1030% | 1,603 |
| Noninterest income to average assets | 0.1982% | 4,572 |
| Noninterest expense to average assets | 2.6915% | 2,934 |
| Loan and lease loss provision to assets | 0.2773% | 534 |
| Net operating income to assets | 1.1557% | 2,307 |
| Return on assets (ROA) | 1.1864% | 2,262 |
| Pretax return on assets | 1.1864% | 2,953 |
| Return on Equity (ROE) | 11.4364% | 1,812 |
| Retained earnings to average equity (ytd only) | 9.8969% | 791 |
| Net charge-offs to loans | 0.5981% | 254 |
| Credit loss provision to net charge-offs | 67.6522% | 2,338 |
| Earnings coverage of net charge-offs (x) | 3.4957% | 2,837 |
| Efficiency ratio | 65.2550% | 2,932 |
| Assets per employee ($millions) | 5.6817% | 1,802 |
| Cash dividends to net income (ytd only)* | 13.4615% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 3,583 |
| Loan loss allowance to noncurrent loans | 248.8975% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.3678% | 3,050 |
| Noncurrent loans to loans | 0.4045% | 3,086 |
| Net loans and leases to total assets | 69.1926% | 2,648 |
| Net loans and leases to deposits | 81.3893% | 2,800 |
| Net loans and leases to core deposits | 93.3018% | 2,301 |
| Total domestic deposits to total assets | 85.0143% | 2,470 |
| Equity capital to assets | 11.0945% | 2,952 |
| Core capital (leverage) ratio | 11.0619% | 2,538 |
| Tier 1 risk-based capital ratio | 14.7014% | 2,964 |
| Total risk-based capital ratio | 15.6301% | 3,044 |
| Memoranda: | ||
| Average total assets | $280,515,000 | 2,292 |
| Average earning assets | $268,439,670 | 2,242 |
| Average equity | $29,100,000 | 2,449 |
| Average total loans | $192,280,670 | 2,246 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1926% | 922 |
| Cost of funding earning assets | 1.1619% | 1,011 |
| Net interest margin | 4.0307% | 1,754 |
| Noninterest income to average assets | 0.1786% | 4,679 |
| Noninterest expense to average assets | 3.1672% | 1,581 |
| Loan and lease loss provision to assets | 0.3221% | 383 |
| Net operating income to assets | 0.5387% | 4,411 |
| Return on assets (ROA) | 0.5387% | 4,438 |
| Pretax return on assets | 0.5387% | 4,608 |
| Return on Equity (ROE) | 5.3714% | 4,228 |
| Retained earnings to average equity (ytd only) | 2.2299% | 4,000 |
| Net charge-offs to loans | 0.6463% | 233 |
| Credit loss provision to net charge-offs | 73.3974% | 1,827 |
| Earnings coverage of net charge-offs (x) | 1.9615% | 2,544 |
| Efficiency ratio | 78.6313% | 1,201 |
| Assets per employee ($millions) | 5.5695% | 1,919 |
| Cash dividends to net income (ytd only)* | 58.4856% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 3,502 |
| Loan loss allowance to noncurrent loans | 218.9189% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 2,926 |
| Noncurrent loans to loans | 0.4724% | 2,900 |
| Net loans and leases to total assets | 69.5803% | 2,545 |
| Net loans and leases to deposits | 81.1841% | 2,707 |
| Net loans and leases to core deposits | 92.2150% | 2,280 |
| Total domestic deposits to total assets | 85.7067% | 2,404 |
| Equity capital to assets | 10.3737% | 3,447 |
| Core capital (leverage) ratio | 10.3496% | 3,219 |
| Tier 1 risk-based capital ratio | 13.6809% | 3,505 |
| Total risk-based capital ratio | 14.6282% | 3,584 |
| Memoranda: | ||
| Average total assets | $284,412,500 | 2,288 |
| Average earning assets | $271,616,000 | 2,227 |
| Average equity | $28,521,500 | 2,484 |
| Average total loans | $193,110,500 | 2,266 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4405% | 450 |
| Cost of funding earning assets | 1.0537% | 597 |
| Net interest margin | 4.3868% | 969 |
| Noninterest income to average assets | 0.2095% | 4,660 |
| Noninterest expense to average assets | 2.7303% | 2,930 |
| Loan and lease loss provision to assets | 0.3498% | 438 |
| Net operating income to assets | 1.2964% | 1,818 |
| Return on assets (ROA) | 1.2964% | 1,805 |
| Pretax return on assets | 1.2964% | 2,511 |
| Return on Equity (ROE) | 13.1519% | 1,286 |
| Retained earnings to average equity (ytd only) | 8.5769% | 1,018 |
| Net charge-offs to loans | 0.5895% | 290 |
| Credit loss provision to net charge-offs | 81.0000% | 2,848 |
| Earnings coverage of net charge-offs (x) | 3.8117% | 3,378 |
| Efficiency ratio | 62.3849% | 3,457 |
| Assets per employee ($millions) | 5.8070% | 1,670 |
| Cash dividends to net income (ytd only)* | 34.7862% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 3,055 |
| Loan loss allowance to noncurrent loans | 188.1250% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.4736% | 2,671 |
| Noncurrent loans to loans | 0.5881% | 2,528 |
| Net loans and leases to total assets | 64.8615% | 3,268 |
| Net loans and leases to deposits | 74.8567% | 3,434 |
| Net loans and leases to core deposits | 84.9988% | 3,001 |
| Total domestic deposits to total assets | 86.6475% | 1,944 |
| Equity capital to assets | 9.6969% | 3,954 |
| Core capital (leverage) ratio | 10.2846% | 3,263 |
| Tier 1 risk-based capital ratio | 13.7688% | 3,409 |
| Total risk-based capital ratio | 14.7618% | 3,450 |
| Memoranda: | ||
| Average total assets | $277,844,800 | 2,279 |
| Average earning assets | $263,927,200 | 2,237 |
| Average equity | $27,387,600 | 2,491 |
| Average total loans | $203,551,600 | 2,148 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4867% | 373 |
| Cost of funding earning assets | 1.0096% | 574 |
| Net interest margin | 4.4771% | 780 |
| Noninterest income to average assets | 0.2150% | 4,683 |
| Noninterest expense to average assets | 2.7368% | 2,854 |
| Loan and lease loss provision to assets | 0.3917% | 322 |
| Net operating income to assets | 1.3308% | 1,739 |
| Return on assets (ROA) | 1.3308% | 1,749 |
| Pretax return on assets | 1.3308% | 2,502 |
| Return on Equity (ROE) | 13.4429% | 1,287 |
| Retained earnings to average equity (ytd only) | 8.6139% | 1,371 |
| Net charge-offs to loans | 0.6272% | 232 |
| Credit loss provision to net charge-offs | 82.9394% | 2,502 |
| Earnings coverage of net charge-offs (x) | 3.6475% | 3,142 |
| Efficiency ratio | 61.3735% | 3,605 |
| Assets per employee ($millions) | 5.7087% | 1,730 |
| Cash dividends to net income (ytd only)* | 35.9227% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 3,333 |
| Loan loss allowance to noncurrent loans | 223.0453% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.4390% | 2,925 |
| Noncurrent loans to loans | 0.4814% | 2,945 |
| Net loans and leases to total assets | 71.4118% | 2,426 |
| Net loans and leases to deposits | 83.6184% | 2,642 |
| Net loans and leases to core deposits | 97.5333% | 1,975 |
| Total domestic deposits to total assets | 85.4020% | 2,458 |
| Equity capital to assets | 9.7364% | 3,885 |
| Core capital (leverage) ratio | 10.4052% | 3,186 |
| Tier 1 risk-based capital ratio | 13.0772% | 3,859 |
| Total risk-based capital ratio | 14.0637% | 3,911 |
| Memoranda: | ||
| Average total assets | $274,718,250 | 2,311 |
| Average earning assets | $260,427,750 | 2,269 |
| Average equity | $27,195,750 | 2,513 |
| Average total loans | $206,831,250 | 2,129 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4311% | 366 |
| Cost of funding earning assets | 0.9681% | 542 |
| Net interest margin | 4.4630% | 743 |
| Noninterest income to average assets | 0.2293% | 4,648 |
| Noninterest expense to average assets | 2.7094% | 2,985 |
| Loan and lease loss provision to assets | 0.4080% | 294 |
| Net operating income to assets | 1.3294% | 1,663 |
| Return on assets (ROA) | 1.3294% | 1,668 |
| Pretax return on assets | 1.3294% | 2,397 |
| Return on Equity (ROE) | 13.3541% | 1,252 |
| Retained earnings to average equity (ytd only) | 9.4030% | 1,094 |
| Net charge-offs to loans | 0.6744% | 217 |
| Credit loss provision to net charge-offs | 79.2319% | 2,264 |
| Earnings coverage of net charge-offs (x) | 3.3741% | 2,881 |
| Efficiency ratio | 60.9290% | 3,778 |
| Assets per employee ($millions) | 5.3090% | 2,095 |
| Cash dividends to net income (ytd only)* | 29.5868% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 3,578 |
| Loan loss allowance to noncurrent loans | 205.4460% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.4879% | 2,804 |
| Noncurrent loans to loans | 0.5076% | 2,896 |
| Net loans and leases to total assets | 76.6792% | 1,536 |
| Net loans and leases to deposits | 88.3716% | 2,064 |
| Net loans and leases to core deposits | 102.0718% | 1,559 |
| Total domestic deposits to total assets | 86.7690% | 1,940 |
| Equity capital to assets | 10.1345% | 3,503 |
| Core capital (leverage) ratio | 10.4943% | 3,038 |
| Tier 1 risk-based capital ratio | 12.5529% | 4,148 |
| Total risk-based capital ratio | 13.5195% | 4,204 |
| Memoranda: | ||
| Average total assets | $273,049,670 | 2,330 |
| Average earning assets | $258,031,000 | 2,293 |
| Average equity | $27,182,670 | 2,521 |
| Average total loans | $208,467,000 | 2,113 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3690% | 357 |
| Cost of funding earning assets | 0.9114% | 561 |
| Net interest margin | 4.4576% | 671 |
| Noninterest income to average assets | 0.1561% | 5,080 |
| Noninterest expense to average assets | 2.6711% | 3,131 |
| Loan and lease loss provision to assets | 0.4610% | 232 |
| Net operating income to assets | 1.2196% | 1,928 |
| Return on assets (ROA) | 1.2196% | 1,936 |
| Pretax return on assets | 1.2196% | 2,678 |
| Return on Equity (ROE) | 12.3605% | 1,450 |
| Retained earnings to average equity (ytd only) | 9.0486% | 1,446 |
| Net charge-offs to loans | 0.7430% | 197 |
| Credit loss provision to net charge-offs | 81.8653% | 1,731 |
| Earnings coverage of net charge-offs (x) | 2.9845% | 2,418 |
| Efficiency ratio | 61.3812% | 3,892 |
| Assets per employee ($millions) | 5.4106% | 2,022 |
| Cash dividends to net income (ytd only)* | 26.7943% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 3,355 |
| Loan loss allowance to noncurrent loans | 191.3007% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.5818% | 2,583 |
| Noncurrent loans to loans | 0.5769% | 2,812 |
| Net loans and leases to total assets | 75.0218% | 1,701 |
| Net loans and leases to deposits | 86.2810% | 2,128 |
| Net loans and leases to core deposits | 98.8462% | 1,780 |
| Total domestic deposits to total assets | 86.9505% | 2,145 |
| Equity capital to assets | 9.9622% | 3,633 |
| Core capital (leverage) ratio | 10.4213% | 3,039 |
| Tier 1 risk-based capital ratio | 12.6253% | 4,158 |
| Total risk-based capital ratio | 13.6512% | 4,201 |
| Memoranda: | ||
| Average total assets | $274,195,500 | 2,342 |
| Average earning assets | $258,076,500 | 2,308 |
| Average equity | $27,054,000 | 2,547 |
| Average total loans | $207,799,000 | 2,137 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5133% | 258 |
| Cost of funding earning assets | 0.9530% | 284 |
| Net interest margin | 4.5603% | 543 |
| Noninterest income to average assets | 0.1457% | 5,220 |
| Noninterest expense to average assets | 2.6314% | 3,347 |
| Loan and lease loss provision to assets | 0.6476% | 190 |
| Net operating income to assets | 1.1802% | 1,582 |
| Return on assets (ROA) | 1.2243% | 1,465 |
| Pretax return on assets | 1.2243% | 2,666 |
| Return on Equity (ROE) | 13.2263% | 899 |
| Retained earnings to average equity (ytd only) | 10.1790% | 329 |
| Net charge-offs to loans | 0.8430% | 232 |
| Credit loss provision to net charge-offs | 100.6916% | 2,544 |
| Earnings coverage of net charge-offs (x) | 2.8421% | 3,691 |
| Efficiency ratio | 59.0108% | 4,412 |
| Assets per employee ($millions) | 5.7887% | 1,665 |
| Cash dividends to net income (ytd only)* | 23.0397% | 3,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 3,298 |
| Loan loss allowance to noncurrent loans | 257.0485% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 3,037 |
| Noncurrent loans to loans | 0.4316% | 3,242 |
| Net loans and leases to total assets | 74.8729% | 1,778 |
| Net loans and leases to deposits | 85.8135% | 2,283 |
| Net loans and leases to core deposits | 97.0481% | 1,941 |
| Total domestic deposits to total assets | 87.2507% | 1,878 |
| Equity capital to assets | 9.7737% | 3,945 |
| Core capital (leverage) ratio | 10.0166% | 3,438 |
| Tier 1 risk-based capital ratio | 11.8894% | 4,601 |
| Total risk-based capital ratio | 12.9025% | 4,639 |
| Memoranda: | ||
| Average total assets | $269,777,800 | 2,352 |
| Average earning assets | $255,183,000 | 2,318 |
| Average equity | $24,973,000 | 2,675 |
| Average total loans | $205,820,200 | 2,112 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5258% | 246 |
| Cost of funding earning assets | 0.9518% | 254 |
| Net interest margin | 4.5740% | 514 |
| Noninterest income to average assets | 0.1394% | 5,311 |
| Noninterest expense to average assets | 2.6785% | 3,131 |
| Loan and lease loss provision to assets | 0.6065% | 181 |
| Net operating income to assets | 1.1951% | 1,714 |
| Return on assets (ROA) | 1.2548% | 1,519 |
| Pretax return on assets | 1.2548% | 2,684 |
| Return on Equity (ROE) | 13.7549% | 887 |
| Retained earnings to average equity (ytd only) | 9.6011% | 682 |
| Net charge-offs to loans | 0.7888% | 234 |
| Credit loss provision to net charge-offs | 100.5780% | 2,267 |
| Earnings coverage of net charge-offs (x) | 2.9876% | 3,394 |
| Efficiency ratio | 59.7866% | 4,255 |
| Assets per employee ($millions) | 5.4599% | 1,965 |
| Cash dividends to net income (ytd only)* | 30.1983% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1251% | 3,342 |
| Loan loss allowance to noncurrent loans | 276.9322% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.4598% | 3,194 |
| Noncurrent loans to loans | 0.4063% | 3,484 |
| Net loans and leases to total assets | 76.5007% | 1,498 |
| Net loans and leases to deposits | 88.2699% | 2,017 |
| Net loans and leases to core deposits | 98.9169% | 1,806 |
| Total domestic deposits to total assets | 86.6668% | 2,010 |
| Equity capital to assets | 9.8678% | 4,066 |
| Core capital (leverage) ratio | 9.8819% | 3,721 |
| Tier 1 risk-based capital ratio | 11.8423% | 4,735 |
| Total risk-based capital ratio | 12.8740% | 4,757 |
| Memoranda: | ||
| Average total assets | $267,757,500 | 2,379 |
| Average earning assets | $254,099,000 | 2,342 |
| Average equity | $24,427,000 | 2,736 |
| Average total loans | $204,681,500 | 2,130 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4838% | 252 |
| Cost of funding earning assets | 0.9406% | 239 |
| Net interest margin | 4.5432% | 520 |
| Noninterest income to average assets | 0.1493% | 5,316 |
| Noninterest expense to average assets | 2.6659% | 3,217 |
| Loan and lease loss provision to assets | 0.6205% | 181 |
| Net operating income to assets | 1.1694% | 1,705 |
| Return on assets (ROA) | 1.1686% | 1,749 |
| Pretax return on assets | 1.1686% | 2,901 |
| Return on Equity (ROE) | 13.1682% | 993 |
| Retained earnings to average equity (ytd only) | 6.7650% | 1,705 |
| Net charge-offs to loans | 0.8406% | 233 |
| Credit loss provision to net charge-offs | 96.9662% | 2,073 |
| Earnings coverage of net charge-offs (x) | 2.7970% | 3,124 |
| Efficiency ratio | 59.8291% | 4,340 |
| Assets per employee ($millions) | 5.7819% | 1,627 |
| Cash dividends to net income (ytd only)* | 48.6262% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 3,517 |
| Loan loss allowance to noncurrent loans | 271.3948% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.4891% | 3,131 |
| Noncurrent loans to loans | 0.4098% | 3,555 |
| Net loans and leases to total assets | 75.1284% | 1,675 |
| Net loans and leases to deposits | 85.3580% | 2,302 |
| Net loans and leases to core deposits | 96.7262% | 1,911 |
| Total domestic deposits to total assets | 88.0157% | 1,452 |
| Equity capital to assets | 8.8979% | 4,991 |
| Core capital (leverage) ratio | 9.1130% | 4,599 |
| Tier 1 risk-based capital ratio | 10.9705% | 5,265 |
| Total risk-based capital ratio | 12.0025% | 5,286 |
| Memoranda: | ||
| Average total assets | $267,831,330 | 2,387 |
| Average earning assets | $253,874,330 | 2,349 |
| Average equity | $23,769,330 | 2,806 |
| Average total loans | $203,910,000 | 2,133 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3517% | 297 |
| Cost of funding earning assets | 0.9453% | 218 |
| Net interest margin | 4.4063% | 631 |
| Noninterest income to average assets | 0.1459% | 5,384 |
| Noninterest expense to average assets | 2.7306% | 3,029 |
| Loan and lease loss provision to assets | 0.7071% | 142 |
| Net operating income to assets | 0.8876% | 2,826 |
| Return on assets (ROA) | 0.8861% | 2,879 |
| Pretax return on assets | 0.8861% | 3,819 |
| Return on Equity (ROE) | 9.9983% | 1,960 |
| Retained earnings to average equity (ytd only) | 0.8827% | 4,699 |
| Net charge-offs to loans | 1.0778% | 162 |
| Credit loss provision to net charge-offs | 86.0806% | 1,714 |
| Earnings coverage of net charge-offs (x) | 1.9414% | 2,660 |
| Efficiency ratio | 63.1304% | 3,966 |
| Assets per employee ($millions) | 5.6400% | 1,776 |
| Cash dividends to net income (ytd only)* | 91.1715% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 3,613 |
| Loan loss allowance to noncurrent loans | 254.3601% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.5153% | 3,165 |
| Noncurrent loans to loans | 0.4389% | 3,522 |
| Net loans and leases to total assets | 75.0452% | 1,568 |
| Net loans and leases to deposits | 85.2861% | 2,115 |
| Net loans and leases to core deposits | 96.5914% | 1,775 |
| Total domestic deposits to total assets | 87.9923% | 1,718 |
| Equity capital to assets | 8.8626% | 4,943 |
| Core capital (leverage) ratio | 8.9665% | 4,778 |
| Tier 1 risk-based capital ratio | 10.9889% | 5,315 |
| Total risk-based capital ratio | 12.0246% | 5,345 |
| Memoranda: | ||
| Average total assets | $265,873,000 | 2,423 |
| Average earning assets | $252,183,000 | 2,383 |
| Average equity | $23,564,000 | 2,838 |
| Average total loans | $202,637,000 | 2,156 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4089% | 284 |
| Cost of funding earning assets | 1.0090% | 162 |
| Net interest margin | 4.3998% | 776 |
| Noninterest income to average assets | 0.2675% | 4,815 |
| Noninterest expense to average assets | 2.8807% | 2,741 |
| Loan and lease loss provision to assets | 0.6375% | 201 |
| Net operating income to assets | 0.8821% | 2,918 |
| Return on assets (ROA) | 0.8821% | 3,034 |
| Pretax return on assets | 0.8821% | 3,906 |
| Return on Equity (ROE) | 10.2142% | 1,876 |
| Retained earnings to average equity (ytd only) | 6.0021% | 1,701 |
| Net charge-offs to loans | 0.8985% | 208 |
| Credit loss provision to net charge-offs | 95.1542% | 2,699 |
| Earnings coverage of net charge-offs (x) | 2.2682% | 3,855 |
| Efficiency ratio | 65.4649% | 3,680 |
| Assets per employee ($millions) | 5.4422% | 1,914 |
| Cash dividends to net income (ytd only)* | 41.2380% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 3,503 |
| Loan loss allowance to noncurrent loans | 170.2346% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.6026% | 2,917 |
| Noncurrent loans to loans | 0.6683% | 2,859 |
| Net loans and leases to total assets | 75.6663% | 1,568 |
| Net loans and leases to deposits | 85.9610% | 2,177 |
| Net loans and leases to core deposits | 97.8650% | 1,775 |
| Total domestic deposits to total assets | 88.0240% | 1,616 |
| Equity capital to assets | 8.8631% | 4,951 |
| Core capital (leverage) ratio | 8.7762% | 4,995 |
| Tier 1 risk-based capital ratio | 10.9314% | 5,376 |
| Total risk-based capital ratio | 11.9873% | 5,375 |
| Memoranda: | ||
| Average total assets | $271,048,000 | 2,353 |
| Average earning assets | $254,600,000 | 2,329 |
| Average equity | $23,408,600 | 2,859 |
| Average total loans | $202,110,400 | 2,107 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4513% | 273 |
| Cost of funding earning assets | 1.0108% | 163 |
| Net interest margin | 4.4404% | 719 |
| Noninterest income to average assets | 0.2690% | 4,849 |
| Noninterest expense to average assets | 2.9322% | 2,535 |
| Loan and lease loss provision to assets | 0.6736% | 170 |
| Net operating income to assets | 0.8147% | 3,299 |
| Return on assets (ROA) | 0.8147% | 3,437 |
| Pretax return on assets | 0.8147% | 4,265 |
| Return on Equity (ROE) | 9.4950% | 2,276 |
| Retained earnings to average equity (ytd only) | 3.8654% | 3,552 |
| Net charge-offs to loans | 0.9000% | 199 |
| Credit loss provision to net charge-offs | 101.0287% | 2,327 |
| Earnings coverage of net charge-offs (x) | 2.2322% | 3,601 |
| Efficiency ratio | 66.3305% | 3,536 |
| Assets per employee ($millions) | 5.2402% | 2,103 |
| Cash dividends to net income (ytd only)* | 59.2902% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 3,491 |
| Loan loss allowance to noncurrent loans | 168.6152% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.6118% | 3,072 |
| Noncurrent loans to loans | 0.6874% | 2,973 |
| Net loans and leases to total assets | 77.3162% | 1,305 |
| Net loans and leases to deposits | 86.7507% | 2,178 |
| Net loans and leases to core deposits | 105.2747% | 1,253 |
| Total domestic deposits to total assets | 89.1245% | 838 |
| Equity capital to assets | 8.7053% | 5,393 |
| Core capital (leverage) ratio | 8.7182% | 5,141 |
| Tier 1 risk-based capital ratio | 10.5558% | 5,598 |
| Total risk-based capital ratio | 11.6426% | 5,591 |
| Memoranda: | ||
| Average total assets | $272,143,250 | 2,353 |
| Average earning assets | $254,442,250 | 2,337 |
| Average equity | $23,352,000 | 2,877 |
| Average total loans | $201,613,250 | 2,111 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3421% | 85 |
| Cost of funding earning assets | 1.0261% | 147 |
| Net interest margin | 5.3160% | 144 |
| Noninterest income to average assets | 0.2886% | 4,719 |
| Noninterest expense to average assets | 3.8492% | 719 |
| Loan and lease loss provision to assets | 0.4529% | 312 |
| Net operating income to assets | 0.9409% | 2,672 |
| Return on assets (ROA) | 0.9409% | 2,813 |
| Pretax return on assets | 0.9409% | 3,801 |
| Return on Equity (ROE) | 11.0175% | 1,635 |
| Retained earnings to average equity (ytd only) | 6.4155% | 1,910 |
| Net charge-offs to loans | 0.6689% | 307 |
| Credit loss provision to net charge-offs | 93.0931% | 2,205 |
| Earnings coverage of net charge-offs (x) | 2.8649% | 3,201 |
| Efficiency ratio | 73.4151% | 2,448 |
| Assets per employee ($millions) | 5.0014% | 2,292 |
| Cash dividends to net income (ytd only)* | 41.7702% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 3,752 |
| Loan loss allowance to noncurrent loans | 124.6966% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.7886% | 2,625 |
| Noncurrent loans to loans | 0.9097% | 2,465 |
| Net loans and leases to total assets | 79.1916% | 1,037 |
| Net loans and leases to deposits | 87.3035% | 2,095 |
| Net loans and leases to core deposits | 105.2278% | 1,238 |
| Total domestic deposits to total assets | 90.7084% | 260 |
| Equity capital to assets | 9.0698% | 5,193 |
| Core capital (leverage) ratio | 8.9018% | 4,935 |
| Tier 1 risk-based capital ratio | 10.9836% | 5,430 |
| Total risk-based capital ratio | 12.0717% | 5,434 |
| Memoranda: | ||
| Average total assets | $273,773,670 | 2,341 |
| Average earning assets | $255,152,670 | 2,343 |
| Average equity | $23,381,000 | 2,883 |
| Average total loans | $199,133,670 | 2,136 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2475% | 96 |
| Cost of funding earning assets | 1.0364% | 132 |
| Net interest margin | 5.2111% | 176 |
| Noninterest income to average assets | 0.4461% | 3,515 |
| Noninterest expense to average assets | 3.7203% | 873 |
| Loan and lease loss provision to assets | 0.3464% | 430 |
| Net operating income to assets | 1.2529% | 1,399 |
| Return on assets (ROA) | 1.2529% | 1,496 |
| Pretax return on assets | 1.2529% | 2,489 |
| Return on Equity (ROE) | 15.1047% | 655 |
| Retained earnings to average equity (ytd only) | 5.8597% | 2,442 |
| Net charge-offs to loans | 0.6929% | 309 |
| Credit loss provision to net charge-offs | 72.1068% | 1,893 |
| Earnings coverage of net charge-offs (x) | 3.3294% | 2,553 |
| Efficiency ratio | 69.9357% | 3,145 |
| Assets per employee ($millions) | 5.1503% | 2,188 |
| Cash dividends to net income (ytd only)* | 61.2059% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 3,206 |
| Loan loss allowance to noncurrent loans | 126.2814% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.7290% | 2,889 |
| Noncurrent loans to loans | 0.9883% | 2,407 |
| Net loans and leases to total assets | 67.1341% | 2,792 |
| Net loans and leases to deposits | 73.5760% | 3,492 |
| Net loans and leases to core deposits | 87.6942% | 2,592 |
| Total domestic deposits to total assets | 91.2446% | 209 |
| Equity capital to assets | 8.5821% | 5,511 |
| Core capital (leverage) ratio | 8.4464% | 5,444 |
| Tier 1 risk-based capital ratio | 12.1960% | 4,777 |
| Total risk-based capital ratio | 13.3893% | 4,725 |
| Memoranda: | ||
| Average total assets | $280,624,000 | 2,310 |
| Average earning assets | $262,442,000 | 2,283 |
| Average equity | $23,277,500 | 2,896 |
| Average total loans | $194,541,000 | 2,165 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5735% | 72 |
| Cost of funding earning assets | 1.0979% | 103 |
| Net interest margin | 5.4756% | 130 |
| Noninterest income to average assets | 0.1637% | 5,600 |
| Noninterest expense to average assets | 3.6232% | 1,084 |
| Loan and lease loss provision to assets | 0.8403% | 112 |
| Net operating income to assets | 0.8527% | 3,098 |
| Return on assets (ROA) | 0.8761% | 3,074 |
| Pretax return on assets | 0.8761% | 3,934 |
| Return on Equity (ROE) | 10.8490% | 1,663 |
| Retained earnings to average equity (ytd only) | 7.7003% | 1,016 |
| Net charge-offs to loans | 0.9613% | 216 |
| Credit loss provision to net charge-offs | 123.7448% | 2,094 |
| Earnings coverage of net charge-offs (x) | 2.4932% | 3,895 |
| Efficiency ratio | 68.1542% | 3,544 |
| Assets per employee ($millions) | 5.3386% | 1,962 |
| Cash dividends to net income (ytd only)* | 29.0231% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 3,572 |
| Loan loss allowance to noncurrent loans | 124.6249% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.7246% | 2,884 |
| Noncurrent loans to loans | 0.9498% | 2,437 |
| Net loans and leases to total assets | 69.7593% | 2,404 |
| Net loans and leases to deposits | 75.9291% | 3,264 |
| Net loans and leases to core deposits | 90.9949% | 2,319 |
| Total domestic deposits to total assets | 91.8743% | 119 |
| Equity capital to assets | 8.0230% | 5,846 |
| Core capital (leverage) ratio | 8.1440% | 5,741 |
| Tier 1 risk-based capital ratio | 10.8768% | 5,588 |
| Total risk-based capital ratio | 11.9912% | 5,568 |
| Memoranda: | ||
| Average total assets | $281,577,200 | 2,258 |
| Average earning assets | $264,956,000 | 2,234 |
| Average equity | $22,739,400 | 2,903 |
| Average total loans | $198,892,200 | 2,081 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6587% | 70 |
| Cost of funding earning assets | 1.0936% | 108 |
| Net interest margin | 5.5651% | 111 |
| Noninterest income to average assets | 0.1705% | 5,626 |
| Noninterest expense to average assets | 3.6083% | 1,104 |
| Loan and lease loss provision to assets | 0.9122% | 73 |
| Net operating income to assets | 0.8932% | 2,995 |
| Return on assets (ROA) | 0.9246% | 2,922 |
| Pretax return on assets | 0.9246% | 3,902 |
| Return on Equity (ROE) | 11.4298% | 1,562 |
| Retained earnings to average equity (ytd only) | 7.2135% | 1,593 |
| Net charge-offs to loans | 0.9467% | 203 |
| Credit loss provision to net charge-offs | 136.3960% | 1,807 |
| Earnings coverage of net charge-offs (x) | 2.6994% | 3,618 |
| Efficiency ratio | 66.6520% | 3,773 |
| Assets per employee ($millions) | 5.2151% | 2,046 |
| Cash dividends to net income (ytd only)* | 36.8880% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 3,430 |
| Loan loss allowance to noncurrent loans | 122.0188% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.7730% | 2,960 |
| Noncurrent loans to loans | 1.0162% | 2,444 |
| Net loans and leases to total assets | 69.7476% | 2,427 |
| Net loans and leases to deposits | 76.1400% | 3,285 |
| Net loans and leases to core deposits | 93.4572% | 2,130 |
| Total domestic deposits to total assets | 91.6045% | 140 |
| Equity capital to assets | 8.1384% | 5,907 |
| Core capital (leverage) ratio | 8.0139% | 5,894 |
| Tier 1 risk-based capital ratio | 11.1539% | 5,573 |
| Total risk-based capital ratio | 12.3409% | 5,504 |
| Memoranda: | ||
| Average total assets | $279,900,500 | 2,287 |
| Average earning assets | $263,707,750 | 2,257 |
| Average equity | $22,642,000 | 2,928 |
| Average total loans | $197,736,750 | 2,096 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0388% | 60 |
| Cost of funding earning assets | 1.0591% | 123 |
| Net interest margin | 5.9797% | 74 |
| Noninterest income to average assets | 0.1892% | 5,558 |
| Noninterest expense to average assets | 3.5283% | 1,252 |
| Loan and lease loss provision to assets | 0.9990% | 67 |
| Net operating income to assets | 1.3103% | 1,291 |
| Return on assets (ROA) | 1.3575% | 1,219 |
| Pretax return on assets | 1.3575% | 2,155 |
| Return on Equity (ROE) | 16.3162% | 571 |
| Retained earnings to average equity (ytd only) | 13.2435% | 286 |
| Net charge-offs to loans | 0.8219% | 255 |
| Credit loss provision to net charge-offs | 171.8673% | 1,394 |
| Earnings coverage of net charge-offs (x) | 3.9730% | 3,108 |
| Efficiency ratio | 60.4404% | 4,923 |
| Assets per employee ($millions) | 5.0824% | 2,165 |
| Cash dividends to net income (ytd only)* | 18.8322% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 3,205 |
| Loan loss allowance to noncurrent loans | 92.4281% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 0.9715% | 2,586 |
| Noncurrent loans to loans | 1.4145% | 1,899 |
| Net loans and leases to total assets | 67.3420% | 2,744 |
| Net loans and leases to deposits | 73.6487% | 3,532 |
| Net loans and leases to core deposits | 89.2619% | 2,422 |
| Total domestic deposits to total assets | 91.4368% | 194 |
| Equity capital to assets | 8.3183% | 5,819 |
| Core capital (leverage) ratio | 8.3622% | 5,666 |
| Tier 1 risk-based capital ratio | 11.7441% | 5,311 |
| Total risk-based capital ratio | 12.9875% | 5,227 |
| Memoranda: | ||
| Average total assets | $280,081,330 | 2,304 |
| Average earning assets | $264,560,330 | 2,273 |
| Average equity | $23,302,000 | 2,887 |
| Average total loans | $198,066,670 | 2,101 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1568% | 53 |
| Cost of funding earning assets | 1.0319% | 150 |
| Net interest margin | 6.1248% | 69 |
| Noninterest income to average assets | 0.1425% | 5,895 |
| Noninterest expense to average assets | 3.4901% | 1,336 |
| Loan and lease loss provision to assets | 1.0655% | 72 |
| Net operating income to assets | 1.4067% | 1,022 |
| Return on assets (ROA) | 1.4283% | 1,038 |
| Pretax return on assets | 1.4283% | 1,783 |
| Return on Equity (ROE) | 17.1660% | 458 |
| Retained earnings to average equity (ytd only) | 17.1660% | 170 |
| Net charge-offs to loans | 0.8520% | 279 |
| Credit loss provision to net charge-offs | 173.7089% | 1,149 |
| Earnings coverage of net charge-offs (x) | 4.0305% | 2,540 |
| Efficiency ratio | 58.5366% | 5,276 |
| Assets per employee ($millions) | 4.9981% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 4,376 |
| Loan loss allowance to noncurrent loans | 87.0015% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 1.0336% | 2,554 |
| Noncurrent loans to loans | 1.2986% | 2,213 |
| Net loans and leases to total assets | 70.9401% | 1,990 |
| Net loans and leases to deposits | 77.6321% | 2,857 |
| Net loans and leases to core deposits | 94.8404% | 1,705 |
| Total domestic deposits to total assets | 91.3799% | 257 |
| Equity capital to assets | 8.4201% | 5,793 |
| Core capital (leverage) ratio | 8.3766% | 5,660 |
| Tier 1 risk-based capital ratio | 11.1592% | 5,731 |
| Total risk-based capital ratio | 12.2309% | 5,747 |
| Memoranda: | ||
| Average total assets | $277,815,500 | 2,328 |
| Average earning assets | $263,974,000 | 2,286 |
| Average equity | $23,115,500 | 2,922 |
| Average total loans | $199,998,500 | 2,087 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1572% | 59 |
| Cost of funding earning assets | 0.9474% | 293 |
| Net interest margin | 6.2098% | 74 |
| Noninterest income to average assets | 0.2349% | 5,452 |
| Noninterest expense to average assets | 3.9475% | 807 |
| Loan and lease loss provision to assets | 1.0396% | 103 |
| Net operating income to assets | 1.0180% | 2,305 |
| Return on assets (ROA) | 1.0211% | 2,370 |
| Pretax return on assets | 1.0211% | 3,414 |
| Return on Equity (ROE) | 12.2999% | 1,323 |
| Retained earnings to average equity (ytd only) | 10.4452% | 451 |
| Net charge-offs to loans | 1.0742% | 267 |
| Credit loss provision to net charge-offs | 123.1371% | 1,945 |
| Earnings coverage of net charge-offs (x) | 2.4372% | 4,151 |
| Efficiency ratio | 65.7363% | 4,300 |
| Assets per employee ($millions) | 4.9239% | 2,417 |
| Cash dividends to net income (ytd only)* | 15.0797% | 3,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 5,151 |
| Loan loss allowance to noncurrent loans | 110.2029% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.8591% | 3,059 |
| Noncurrent loans to loans | 0.8907% | 3,091 |
| Net loans and leases to total assets | 71.5232% | 1,988 |
| Net loans and leases to deposits | 78.0375% | 2,968 |
| Net loans and leases to core deposits | 96.2039% | 1,699 |
| Total domestic deposits to total assets | 91.6523% | 198 |
| Equity capital to assets | 8.2193% | 5,950 |
| Core capital (leverage) ratio | 8.7186% | 5,328 |
| Tier 1 risk-based capital ratio | 11.1035% | 5,870 |
| Total risk-based capital ratio | 12.0555% | 5,922 |
| Memoranda: | ||
| Average total assets | $227,308,600 | 2,719 |
| Average earning assets | $211,215,200 | 2,696 |
| Average equity | $18,870,000 | 3,302 |
| Average total loans | $178,636,400 | 2,244 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3804% | 55 |
| Cost of funding earning assets | 0.9213% | 361 |
| Net interest margin | 6.4591% | 66 |
| Noninterest income to average assets | 0.2590% | 5,366 |
| Noninterest expense to average assets | 3.9726% | 777 |
| Loan and lease loss provision to assets | 1.0972% | 99 |
| Net operating income to assets | 1.1487% | 1,872 |
| Return on assets (ROA) | 1.1648% | 1,876 |
| Pretax return on assets | 1.1648% | 2,930 |
| Return on Equity (ROE) | 13.9866% | 988 |
| Retained earnings to average equity (ytd only) | 12.3126% | 390 |
| Net charge-offs to loans | 0.7508% | 452 |
| Credit loss provision to net charge-offs | 181.2692% | 1,379 |
| Earnings coverage of net charge-offs (x) | 3.7103% | 3,611 |
| Efficiency ratio | 63.8836% | 4,566 |
| Assets per employee ($millions) | 4.4828% | 3,005 |
| Cash dividends to net income (ytd only)* | 11.9680% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 4,202 |
| Loan loss allowance to noncurrent loans | 66.0648% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 1.7227% | 1,742 |
| Noncurrent loans to loans | 1.8215% | 1,766 |
| Net loans and leases to total assets | 79.6478% | 749 |
| Net loans and leases to deposits | 88.0999% | 1,662 |
| Net loans and leases to core deposits | 110.0465% | 743 |
| Total domestic deposits to total assets | 90.4062% | 567 |
| Equity capital to assets | 9.4204% | 4,893 |
| Core capital (leverage) ratio | 9.9104% | 3,804 |
| Tier 1 risk-based capital ratio | 11.5171% | 5,784 |
| Total risk-based capital ratio | 12.6907% | 5,755 |
| Memoranda: | ||
| Average total assets | $215,200,750 | 2,853 |
| Average earning assets | $198,556,750 | 2,844 |
| Average equity | $17,921,500 | 3,426 |
| Average total loans | $173,502,250 | 2,313 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6118% | 50 |
| Cost of funding earning assets | 0.9075% | 415 |
| Net interest margin | 6.7043% | 54 |
| Noninterest income to average assets | 0.2580% | 5,350 |
| Noninterest expense to average assets | 4.0917% | 682 |
| Loan and lease loss provision to assets | 0.7837% | 159 |
| Net operating income to assets | 1.5346% | 820 |
| Return on assets (ROA) | 1.5731% | 784 |
| Pretax return on assets | 1.5731% | 1,326 |
| Return on Equity (ROE) | 19.8848% | 296 |
| Retained earnings to average equity (ytd only) | 17.7551% | 127 |
| Net charge-offs to loans | 0.4896% | 819 |
| Credit loss provision to net charge-offs | 198.5366% | 1,183 |
| Earnings coverage of net charge-offs (x) | 5.8732% | 2,856 |
| Efficiency ratio | 63.8330% | 4,715 |
| Assets per employee ($millions) | 4.4205% | 3,051 |
| Cash dividends to net income (ytd only)* | 10.7099% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 5,043 |
| Loan loss allowance to noncurrent loans | 45.3577% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 2.3215% | 1,271 |
| Noncurrent loans to loans | 2.3478% | 1,361 |
| Net loans and leases to total assets | 80.4949% | 627 |
| Net loans and leases to deposits | 88.4453% | 1,541 |
| Net loans and leases to core deposits | 111.6170% | 623 |
| Total domestic deposits to total assets | 91.0109% | 415 |
| Equity capital to assets | 8.0860% | 6,104 |
| Core capital (leverage) ratio | 8.1485% | 5,985 |
| Tier 1 risk-based capital ratio | 9.7287% | 6,463 |
| Total risk-based capital ratio | 10.7653% | 6,476 |
| Memoranda: | ||
| Average total assets | $207,737,330 | 2,944 |
| Average earning assets | $190,625,330 | 2,941 |
| Average equity | $16,434,670 | 3,629 |
| Average total loans | $167,489,330 | 2,365 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0090% | 68 |
| Cost of funding earning assets | 0.9011% | 447 |
| Net interest margin | 6.1078% | 77 |
| Noninterest income to average assets | 0.2208% | 5,590 |
| Noninterest expense to average assets | 3.7555% | 1,049 |
| Loan and lease loss provision to assets | 0.6504% | 191 |
| Net operating income to assets | 1.4640% | 870 |
| Return on assets (ROA) | 1.5654% | 744 |
| Pretax return on assets | 1.5654% | 1,250 |
| Return on Equity (ROE) | 20.0305% | 283 |
| Retained earnings to average equity (ytd only) | 20.0305% | 118 |
| Net charge-offs to loans | 0.4389% | 827 |
| Credit loss provision to net charge-offs | 184.7458% | 1,107 |
| Earnings coverage of net charge-offs (x) | 6.0056% | 2,295 |
| Efficiency ratio | 63.9783% | 4,861 |
| Assets per employee ($millions) | 4.3010% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 5,625 |
| Loan loss allowance to noncurrent loans | 58.9634% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 1.6916% | 2,086 |
| Noncurrent loans to loans | 1.6508% | 2,356 |
| Net loans and leases to total assets | 80.1828% | 530 |
| Net loans and leases to deposits | 87.4877% | 1,421 |
| Net loans and leases to core deposits | 104.1163% | 852 |
| Total domestic deposits to total assets | 91.6503% | 344 |
| Equity capital to assets | 7.7499% | 6,207 |
| Core capital (leverage) ratio | 8.3939% | 5,753 |
| Tier 1 risk-based capital ratio | 9.7192% | 6,523 |
| Total risk-based capital ratio | 10.6845% | 6,545 |
| Memoranda: | ||
| Average total assets | $201,094,000 | 3,035 |
| Average earning assets | $185,990,500 | 3,022 |
| Average equity | $15,716,000 | 3,747 |
| Average total loans | $161,320,000 | 2,444 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6766% | 82 |
| Cost of funding earning assets | 1.0376% | 379 |
| Net interest margin | 5.6390% | 112 |
| Noninterest income to average assets | 0.2477% | 5,570 |
| Noninterest expense to average assets | 3.6134% | 1,422 |
| Loan and lease loss provision to assets | 0.5830% | 440 |
| Net operating income to assets | 1.2200% | 1,491 |
| Return on assets (ROA) | 1.2566% | 1,426 |
| Pretax return on assets | 1.2566% | 2,329 |
| Return on Equity (ROE) | 16.1435% | 606 |
| Retained earnings to average equity (ytd only) | 11.3491% | 383 |
| Net charge-offs to loans | 0.3688% | 1,836 |
| Credit loss provision to net charge-offs | 227.0089% | 1,007 |
| Earnings coverage of net charge-offs (x) | 7.0201% | 2,928 |
| Efficiency ratio | 66.7125% | 4,425 |
| Assets per employee ($millions) | 4.1617% | 3,517 |
| Cash dividends to net income (ytd only)* | 29.6989% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9941% | 5,602 |
| Loan loss allowance to noncurrent loans | 61.0999% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 1.7975% | 2,057 |
| Noncurrent loans to loans | 1.6270% | 2,459 |
| Net loans and leases to total assets | 78.6065% | 754 |
| Net loans and leases to deposits | 85.8911% | 1,701 |
| Net loans and leases to core deposits | 94.3006% | 1,581 |
| Total domestic deposits to total assets | 91.5189% | 396 |
| Equity capital to assets | 7.8872% | 6,095 |
| Core capital (leverage) ratio | 8.0821% | 6,074 |
| Tier 1 risk-based capital ratio | 9.9697% | 6,524 |
| Total risk-based capital ratio | 10.9363% | 6,558 |
| Memoranda: | ||
| Average total assets | $174,433,200 | 3,339 |
| Average earning assets | $159,887,000 | 3,345 |
| Average equity | $13,578,200 | 4,148 |
| Average total loans | $121,489,000 | 3,008 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3498% | 111 |
| Cost of funding earning assets | 1.0582% | 378 |
| Net interest margin | 5.2916% | 190 |
| Noninterest income to average assets | 0.2327% | 5,770 |
| Noninterest expense to average assets | 3.4707% | 1,674 |
| Loan and lease loss provision to assets | 0.4779% | 582 |
| Net operating income to assets | 1.1266% | 1,900 |
| Return on assets (ROA) | 1.1768% | 1,781 |
| Pretax return on assets | 1.1768% | 2,798 |
| Return on Equity (ROE) | 15.1737% | 774 |
| Retained earnings to average equity (ytd only) | 15.1737% | 191 |
| Net charge-offs to loans | 0.2904% | 2,081 |
| Credit loss provision to net charge-offs | 245.9677% | 1,002 |
| Earnings coverage of net charge-offs (x) | 8.2580% | 2,650 |
| Efficiency ratio | 68.3853% | 4,017 |
| Assets per employee ($millions) | 3.9178% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 5,930 |
| Loan loss allowance to noncurrent loans | 65.2479% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 1.4746% | 2,726 |
| Noncurrent loans to loans | 1.4509% | 2,992 |
| Net loans and leases to total assets | 72.5012% | 1,526 |
| Net loans and leases to deposits | 79.1010% | 2,524 |
| Net loans and leases to core deposits | 86.3808% | 2,363 |
| Total domestic deposits to total assets | 91.6566% | 327 |
| Equity capital to assets | 7.9935% | 6,159 |
| Core capital (leverage) ratio | 8.1729% | 6,086 |
| Tier 1 risk-based capital ratio | 11.0696% | 6,248 |
| Total risk-based capital ratio | 11.9974% | 6,348 |
| Memoranda: | ||
| Average total assets | $170,182,250 | 3,440 |
| Average earning assets | $155,739,500 | 3,444 |
| Average equity | $13,198,000 | 4,270 |
| Average total loans | $113,863,000 | 3,186 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9523% | 194 |
| Cost of funding earning assets | 1.0681% | 390 |
| Net interest margin | 4.8843% | 381 |
| Noninterest income to average assets | 0.2874% | 5,395 |
| Noninterest expense to average assets | 3.3247% | 2,005 |
| Loan and lease loss provision to assets | 0.3459% | 969 |
| Net operating income to assets | 1.0778% | 2,002 |
| Return on assets (ROA) | 1.1557% | 1,835 |
| Pretax return on assets | 1.1557% | 2,859 |
| Return on Equity (ROE) | 15.0794% | 799 |
| Retained earnings to average equity (ytd only) | 15.0794% | 233 |
| Net charge-offs to loans | 0.2643% | 2,148 |
| Credit loss provision to net charge-offs | 202.8571% | 1,177 |
| Earnings coverage of net charge-offs (x) | 8.3500% | 2,409 |
| Efficiency ratio | 70.0180% | 3,821 |
| Assets per employee ($millions) | 4.4805% | 2,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9119% | 6,097 |
| Loan loss allowance to noncurrent loans | 35.8915% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 1.8046% | 2,405 |
| Noncurrent loans to loans | 2.5407% | 1,817 |
| Net loans and leases to total assets | 62.6507% | 3,169 |
| Net loans and leases to deposits | 68.1283% | 3,992 |
| Net loans and leases to core deposits | 74.5407% | 3,723 |
| Total domestic deposits to total assets | 91.9600% | 256 |
| Equity capital to assets | 7.8657% | 6,286 |
| Core capital (leverage) ratio | 8.1198% | 6,090 |
| Tier 1 risk-based capital ratio | 11.7523% | 5,954 |
| Total risk-based capital ratio | 12.6028% | 6,143 |
| Memoranda: | ||
| Average total assets | $164,225,670 | 3,554 |
| Average earning assets | $149,991,330 | 3,557 |
| Average equity | $12,586,670 | 4,409 |
| Average total loans | $105,936,330 | 3,355 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8108% | 229 |
| Cost of funding earning assets | 1.0351% | 511 |
| Net interest margin | 4.7757% | 418 |
| Noninterest income to average assets | 0.2995% | 5,303 |
| Noninterest expense to average assets | 3.3419% | 1,979 |
| Loan and lease loss provision to assets | 0.3416% | 974 |
| Net operating income to assets | 0.9800% | 2,318 |
| Return on assets (ROA) | 1.1481% | 1,789 |
| Pretax return on assets | 1.1481% | 2,775 |
| Return on Equity (ROE) | 15.2278% | 712 |
| Retained earnings to average equity (ytd only) | 15.2278% | 334 |
| Net charge-offs to loans | 0.1811% | 2,311 |
| Credit loss provision to net charge-offs | 288.8889% | 828 |
| Earnings coverage of net charge-offs (x) | 11.1778% | 1,677 |
| Efficiency ratio | 71.6620% | 3,677 |
| Assets per employee ($millions) | 4.0863% | 3,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 6,079 |
| Loan loss allowance to noncurrent loans | 33.5623% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 2.5030% | 1,844 |
| Noncurrent loans to loans | 2.8891% | 1,749 |
| Net loans and leases to total assets | 59.6339% | 3,496 |
| Net loans and leases to deposits | 64.1638% | 4,294 |
| Net loans and leases to core deposits | 70.3437% | 4,031 |
| Total domestic deposits to total assets | 92.9402% | 132 |
| Equity capital to assets | 6.9563% | 6,720 |
| Core capital (leverage) ratio | 8.0856% | 6,064 |
| Tier 1 risk-based capital ratio | 10.8265% | 6,479 |
| Total risk-based capital ratio | 11.7438% | 6,562 |
| Memoranda: | ||
| Average total assets | $152,247,000 | 3,769 |
| Average earning assets | $139,120,500 | 3,776 |
| Average equity | $11,479,000 | 4,681 |
| Average total loans | $99,413,000 | 3,520 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1537% | 210 |
| Cost of funding earning assets | 0.9835% | 1,441 |
| Net interest margin | 5.1701% | 285 |
| Noninterest income to average assets | 0.4409% | 4,313 |
| Noninterest expense to average assets | 4.1579% | 816 |
| Loan and lease loss provision to assets | 0.4648% | 1,346 |
| Net operating income to assets | 0.4249% | 4,987 |
| Return on assets (ROA) | 0.6693% | 4,158 |
| Pretax return on assets | 0.6693% | 4,761 |
| Return on Equity (ROE) | 7.2542% | 3,497 |
| Retained earnings to average equity (ytd only) | 6.0789% | 2,028 |
| Net charge-offs to loans | 0.6124% | 1,908 |
| Credit loss provision to net charge-offs | 108.5062% | 2,712 |
| Earnings coverage of net charge-offs (x) | 2.0768% | 4,373 |
| Efficiency ratio | 82.3737% | 1,822 |
| Assets per employee ($millions) | 3.1410% | 5,758 |
| Cash dividends to net income (ytd only)* | 16.2019% | 3,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 5,923 |
| Loan loss allowance to noncurrent loans | 47.4534% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 2.6875% | 1,795 |
| Noncurrent loans to loans | 2.1319% | 2,548 |
| Net loans and leases to total assets | 71.4968% | 1,572 |
| Net loans and leases to deposits | 78.1456% | 2,508 |
| Net loans and leases to core deposits | 83.6065% | 2,591 |
| Total domestic deposits to total assets | 91.4918% | 339 |
| Equity capital to assets | 8.3358% | 6,170 |
| Core capital (leverage) ratio | 9.3708% | 4,296 |
| Tier 1 risk-based capital ratio | 11.1926% | 6,278 |
| Total risk-based capital ratio | 12.1930% | 6,335 |
| Memoranda: | ||
| Average total assets | $112,509,800 | 4,537 |
| Average earning assets | $100,249,400 | 4,593 |
| Average equity | $10,380,200 | 4,896 |
| Average total loans | $78,709,000 | 4,076 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2297% | 198 |
| Cost of funding earning assets | 1.0019% | 1,545 |
| Net interest margin | 5.2278% | 281 |
| Noninterest income to average assets | 0.4869% | 4,009 |
| Noninterest expense to average assets | 4.2750% | 670 |
| Loan and lease loss provision to assets | 0.5447% | 1,078 |
| Net operating income to assets | 0.3184% | 5,552 |
| Return on assets (ROA) | 0.6566% | 4,374 |
| Pretax return on assets | 0.6566% | 4,989 |
| Return on Equity (ROE) | 6.9181% | 3,859 |
| Retained earnings to average equity (ytd only) | 6.9181% | 2,172 |
| Net charge-offs to loans | 0.6815% | 1,621 |
| Credit loss provision to net charge-offs | 115.3646% | 2,526 |
| Earnings coverage of net charge-offs (x) | 1.8281% | 4,350 |
| Efficiency ratio | 83.2017% | 1,684 |
| Assets per employee ($millions) | 2.7622% | 6,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 5,442 |
| Loan loss allowance to noncurrent loans | 46.3026% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 3.6815% | 1,345 |
| Noncurrent loans to loans | 2.5219% | 2,263 |
| Net loans and leases to total assets | 69.8916% | 1,922 |
| Net loans and leases to deposits | 77.1810% | 2,776 |
| Net loans and leases to core deposits | 81.2611% | 3,053 |
| Total domestic deposits to total assets | 90.5555% | 576 |
| Equity capital to assets | 9.1515% | 5,647 |
| Core capital (leverage) ratio | 9.5461% | 4,201 |
| Tier 1 risk-based capital ratio | 11.9081% | 5,989 |
| Total risk-based capital ratio | 13.0115% | 6,055 |
| Memoranda: | ||
| Average total assets | $108,441,750 | 4,677 |
| Average earning assets | $96,481,250 | 4,724 |
| Average equity | $10,291,500 | 4,962 |
| Average total loans | $75,132,250 | 4,227 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1284% | 248 |
| Cost of funding earning assets | 1.0466% | 1,491 |
| Net interest margin | 5.0818% | 346 |
| Noninterest income to average assets | 0.4928% | 3,961 |
| Noninterest expense to average assets | 4.0994% | 837 |
| Loan and lease loss provision to assets | 0.6401% | 899 |
| Net operating income to assets | 0.2644% | 5,721 |
| Return on assets (ROA) | 0.7836% | 3,719 |
| Pretax return on assets | 0.7836% | 4,533 |
| Return on Equity (ROE) | 8.1508% | 3,192 |
| Retained earnings to average equity (ytd only) | 8.1508% | 1,585 |
| Net charge-offs to loans | 0.5218% | 2,022 |
| Credit loss provision to net charge-offs | 178.4211% | 1,582 |
| Earnings coverage of net charge-offs (x) | 2.5211% | 3,750 |
| Efficiency ratio | 81.9245% | 1,887 |
| Assets per employee ($millions) | 2.8416% | 6,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 4,571 |
| Loan loss allowance to noncurrent loans | 40.9055% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 4.4573% | 1,118 |
| Noncurrent loans to loans | 3.3481% | 1,736 |
| Net loans and leases to total assets | 69.8938% | 1,942 |
| Net loans and leases to deposits | 77.5026% | 2,751 |
| Net loans and leases to core deposits | 81.6240% | 3,002 |
| Total domestic deposits to total assets | 90.1825% | 822 |
| Equity capital to assets | 9.5582% | 4,967 |
| Core capital (leverage) ratio | 9.5229% | 4,112 |
| Tier 1 risk-based capital ratio | 12.4856% | 5,571 |
| Total risk-based capital ratio | 13.7343% | 5,555 |
| Memoranda: | ||
| Average total assets | $105,917,670 | 4,755 |
| Average earning assets | $94,021,000 | 4,816 |
| Average equity | $10,183,000 | 4,988 |
| Average total loans | $72,829,000 | 4,318 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1541% | 244 |
| Cost of funding earning assets | 1.0514% | 1,663 |
| Net interest margin | 5.1027% | 339 |
| Noninterest income to average assets | 0.4920% | 3,965 |
| Noninterest expense to average assets | 4.1111% | 816 |
| Loan and lease loss provision to assets | 0.9229% | 475 |
| Net operating income to assets | -0.0076% | 6,428 |
| Return on assets (ROA) | 0.8314% | 3,474 |
| Pretax return on assets | 0.8314% | 4,297 |
| Return on Equity (ROE) | 8.6217% | 2,987 |
| Retained earnings to average equity (ytd only) | 8.6217% | 1,724 |
| Net charge-offs to loans | 0.5522% | 1,706 |
| Credit loss provision to net charge-offs | 246.9388% | 1,157 |
| Earnings coverage of net charge-offs (x) | 2.4490% | 3,201 |
| Efficiency ratio | 81.7906% | 1,960 |
| Assets per employee ($millions) | 2.7793% | 6,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 4,167 |
| Loan loss allowance to noncurrent loans | 37.8124% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 4.6415% | 1,143 |
| Noncurrent loans to loans | 3.9589% | 1,550 |
| Net loans and leases to total assets | 63.3792% | 2,972 |
| Net loans and leases to deposits | 70.0593% | 3,731 |
| Net loans and leases to core deposits | 74.5583% | 3,825 |
| Total domestic deposits to total assets | 90.4652% | 823 |
| Equity capital to assets | 9.3226% | 5,061 |
| Core capital (leverage) ratio | 9.5823% | 3,940 |
| Tier 1 risk-based capital ratio | 13.1525% | 5,093 |
| Total risk-based capital ratio | 14.3965% | 5,069 |
| Memoranda: | ||
| Average total assets | $104,886,000 | 4,812 |
| Average earning assets | $93,205,500 | 4,871 |
| Average equity | $10,114,000 | 5,009 |
| Average total loans | $70,983,500 | 4,417 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3908% | 216 |
| Cost of funding earning assets | 1.1780% | 2,179 |
| Net interest margin | 5.2128% | 276 |
| Noninterest income to average assets | 0.0049% | 6,969 |
| Noninterest expense to average assets | 4.0397% | 981 |
| Loan and lease loss provision to assets | 0.0791% | 5,627 |
| Net operating income to assets | 0.5469% | 4,246 |
| Return on assets (ROA) | 0.5469% | 4,435 |
| Pretax return on assets | 0.5469% | 4,851 |
| Return on Equity (ROE) | 5.6361% | 4,062 |
| Retained earnings to average equity (ytd only) | 2.7314% | 4,291 |
| Net charge-offs to loans | 1.4808% | 1,085 |
| Credit loss provision to net charge-offs | 7.3869% | 6,026 |
| Earnings coverage of net charge-offs (x) | 0.5845% | 5,389 |
| Efficiency ratio | 86.5833% | 1,490 |
| Assets per employee ($millions) | 2.5345% | 6,802 |
| Cash dividends to net income (ytd only)* | 51.5371% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 5,194 |
| Loan loss allowance to noncurrent loans | 34.2335% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 4.7702% | 1,140 |
| Noncurrent loans to loans | 3.6400% | 1,744 |
| Net loans and leases to total assets | 70.3541% | 1,960 |
| Net loans and leases to deposits | 78.3120% | 2,782 |
| Net loans and leases to core deposits | 83.4904% | 2,958 |
| Total domestic deposits to total assets | 89.8382% | 1,079 |
| Equity capital to assets | 9.9852% | 4,187 |
| Core capital (leverage) ratio | 9.6012% | 3,867 |
| Tier 1 risk-based capital ratio | 13.1043% | 4,989 |
| Total risk-based capital ratio | 14.3071% | 4,998 |
| Memoranda: | ||
| Average total assets | $101,122,000 | 4,862 |
| Average earning assets | $90,411,200 | 4,922 |
| Average equity | $9,811,800 | 5,066 |
| Average total loans | $73,137,600 | 4,375 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3958% | 228 |
| Cost of funding earning assets | 1.2058% | 2,286 |
| Net interest margin | 5.1901% | 292 |
| Noninterest income to average assets | -0.2203% | 7,279 |
| Noninterest expense to average assets | 3.9066% | 1,141 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5185% | 4,460 |
| Return on assets (ROA) | 0.5185% | 4,647 |
| Pretax return on assets | 0.5185% | 5,094 |
| Return on Equity (ROE) | 5.3831% | 4,346 |
| Retained earnings to average equity (ytd only) | 1.4794% | 5,402 |
| Net charge-offs to loans | 1.6138% | 875 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 0.4426% | 5,295 |
| Efficiency ratio | 88.2826% | 1,324 |
| Assets per employee ($millions) | 2.5413% | 6,841 |
| Cash dividends to net income (ytd only)* | 72.5186% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4180% | 4,475 |
| Loan loss allowance to noncurrent loans | 29.6005% | 6,275 |
| Noncurrent assets plus other real estate owned to assets | 5.2503% | 1,087 |
| Noncurrent loans to loans | 4.7906% | 1,344 |
| Net loans and leases to total assets | 69.4162% | 2,194 |
| Net loans and leases to deposits | 77.3107% | 3,119 |
| Net loans and leases to core deposits | 81.9128% | 3,341 |
| Total domestic deposits to total assets | 89.7887% | 987 |
| Equity capital to assets | 9.8483% | 4,554 |
| Core capital (leverage) ratio | 9.4783% | 4,179 |
| Tier 1 risk-based capital ratio | 12.9253% | 5,153 |
| Total risk-based capital ratio | 14.1880% | 5,120 |
| Memoranda: | ||
| Average total assets | $101,057,500 | 4,892 |
| Average earning assets | $90,452,250 | 4,941 |
| Average equity | $9,734,000 | 5,112 |
| Average total loans | $73,365,750 | 4,404 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4643% | 214 |
| Cost of funding earning assets | 1.2482% | 2,261 |
| Net interest margin | 5.2162% | 269 |
| Noninterest income to average assets | 0.2697% | 5,708 |
| Noninterest expense to average assets | 3.6387% | 1,654 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3048% | 1,301 |
| Return on assets (ROA) | 1.3048% | 1,378 |
| Pretax return on assets | 1.3048% | 2,121 |
| Return on Equity (ROE) | 13.6491% | 1,060 |
| Retained earnings to average equity (ytd only) | 13.6491% | 345 |
| Net charge-offs to loans | 1.6982% | 847 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.0478% | 4,504 |
| Efficiency ratio | 73.6061% | 3,440 |
| Assets per employee ($millions) | 2.5053% | 6,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7796% | 3,065 |
| Loan loss allowance to noncurrent loans | 88.3576% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 3.7650% | 1,731 |
| Noncurrent loans to loans | 2.0140% | 3,464 |
| Net loans and leases to total assets | 70.2224% | 2,175 |
| Net loans and leases to deposits | 78.5937% | 3,023 |
| Net loans and leases to core deposits | 83.7961% | 3,240 |
| Total domestic deposits to total assets | 89.3487% | 1,332 |
| Equity capital to assets | 10.2582% | 3,805 |
| Core capital (leverage) ratio | 9.9952% | 3,272 |
| Tier 1 risk-based capital ratio | 13.7102% | 4,376 |
| Total risk-based capital ratio | 14.9733% | 4,339 |
| Memoranda: | ||
| Average total assets | $100,859,330 | 4,938 |
| Average earning assets | $90,372,670 | 4,984 |
| Average equity | $9,641,670 | 5,141 |
| Average total loans | $73,961,670 | 4,431 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3465% | 262 |
| Cost of funding earning assets | 1.2930% | 2,222 |
| Net interest margin | 5.0535% | 340 |
| Noninterest income to average assets | 0.3518% | 5,084 |
| Noninterest expense to average assets | 3.6291% | 1,704 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2809% | 1,322 |
| Return on assets (ROA) | 1.2809% | 1,368 |
| Pretax return on assets | 1.2809% | 2,096 |
| Return on Equity (ROE) | 13.9019% | 1,009 |
| Retained earnings to average equity (ytd only) | 13.9019% | 481 |
| Net charge-offs to loans | 1.3578% | 1,019 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.2706% | 3,718 |
| Efficiency ratio | 73.9130% | 3,526 |
| Assets per employee ($millions) | 2.8131% | 6,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2580% | 1,843 |
| Loan loss allowance to noncurrent loans | 43.7401% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 5.2486% | 1,183 |
| Noncurrent loans to loans | 5.1623% | 1,296 |
| Net loans and leases to total assets | 68.5786% | 2,434 |
| Net loans and leases to deposits | 75.8547% | 3,440 |
| Net loans and leases to core deposits | 83.3401% | 3,252 |
| Total domestic deposits to total assets | 90.4078% | 891 |
| Equity capital to assets | 9.3097% | 4,709 |
| Core capital (leverage) ratio | 9.6446% | 3,599 |
| Tier 1 risk-based capital ratio | 13.5280% | 4,408 |
| Total risk-based capital ratio | 14.7713% | 4,379 |
| Memoranda: | ||
| Average total assets | $101,182,500 | 4,972 |
| Average earning assets | $91,263,500 | 4,998 |
| Average equity | $9,322,500 | 5,223 |
| Average total loans | $75,119,000 | 4,418 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6872% | 1,615 |
| Cost of funding earning assets | 1.4993% | 2,637 |
| Net interest margin | 4.1880% | 2,232 |
| Noninterest income to average assets | 0.6335% | 3,259 |
| Noninterest expense to average assets | 3.5984% | 1,931 |
| Loan and lease loss provision to assets | 1.7855% | 774 |
| Net operating income to assets | -1.0456% | 6,711 |
| Return on assets (ROA) | -1.0445% | 6,742 |
| Pretax return on assets | -1.0445% | 6,666 |
| Return on Equity (ROE) | -11.2252% | 6,781 |
| Retained earnings to average equity (ytd only) | -12.7800% | 6,787 |
| Net charge-offs to loans | 0.4927% | 3,657 |
| Credit loss provision to net charge-offs | 465.4286% | 494 |
| Earnings coverage of net charge-offs (x) | 1.9286% | 4,282 |
| Efficiency ratio | 82.9459% | 2,057 |
| Assets per employee ($millions) | 2.8906% | 6,349 |
| Cash dividends to net income (ytd only)* | -13.8510% | 7,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4647% | 1,451 |
| Loan loss allowance to noncurrent loans | 34.8918% | 5,992 |
| Noncurrent assets plus other real estate owned to assets | 6.6504% | 850 |
| Noncurrent loans to loans | 7.0639% | 793 |
| Net loans and leases to total assets | 76.6239% | 1,153 |
| Net loans and leases to deposits | 84.5736% | 2,367 |
| Net loans and leases to core deposits | 90.7247% | 2,660 |
| Total domestic deposits to total assets | 90.6003% | 789 |
| Equity capital to assets | 9.1117% | 4,977 |
| Core capital (leverage) ratio | 10.0121% | 3,078 |
| Tier 1 risk-based capital ratio | 10.7578% | 6,525 |
| Total risk-based capital ratio | 12.0204% | 6,481 |
| Memoranda: | ||
| Average total assets | $91,236,000 | 5,251 |
| Average earning assets | $80,707,000 | 5,318 |
| Average equity | $8,489,800 | 5,548 |
| Average total loans | $71,039,200 | 4,644 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5322% | 2,320 |
| Cost of funding earning assets | 1.5316% | 2,763 |
| Net interest margin | 4.0006% | 3,104 |
| Noninterest income to average assets | 0.6393% | 3,196 |
| Noninterest expense to average assets | 3.5570% | 1,889 |
| Loan and lease loss provision to assets | 0.4530% | 3,207 |
| Net operating income to assets | 0.1401% | 5,661 |
| Return on assets (ROA) | 0.1416% | 5,822 |
| Pretax return on assets | 0.1416% | 5,847 |
| Return on Equity (ROE) | 1.5126% | 5,766 |
| Retained earnings to average equity (ytd only) | -0.5891% | 5,938 |
| Net charge-offs to loans | 0.0614% | 5,894 |
| Credit loss provision to net charge-offs | 950.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 12.4361% | 1,685 |
| Efficiency ratio | 85.7092% | 1,660 |
| Assets per employee ($millions) | 3.3861% | 5,242 |
| Cash dividends to net income (ytd only)* | 138.9547% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 5,528 |
| Loan loss allowance to noncurrent loans | 15.2096% | 7,070 |
| Noncurrent assets plus other real estate owned to assets | 6.2134% | 945 |
| Noncurrent loans to loans | 7.8448% | 676 |
| Net loans and leases to total assets | 78.2589% | 992 |
| Net loans and leases to deposits | 86.6506% | 2,210 |
| Net loans and leases to core deposits | 93.1632% | 2,635 |
| Total domestic deposits to total assets | 90.3155% | 715 |
| Equity capital to assets | 9.3671% | 5,030 |
| Core capital (leverage) ratio | 10.2084% | 3,036 |
| Tier 1 risk-based capital ratio | 10.8264% | 6,523 |
| Total risk-based capital ratio | 11.9187% | 6,648 |
| Memoranda: | ||
| Average total assets | $89,475,000 | 5,373 |
| Average earning assets | $78,520,000 | 5,465 |
| Average equity | $8,373,500 | 5,669 |
| Average total loans | $69,496,750 | 4,777 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6249% | 2,045 |
| Cost of funding earning assets | 1.5584% | 2,909 |
| Net interest margin | 4.0665% | 2,713 |
| Noninterest income to average assets | 0.6317% | 3,115 |
| Noninterest expense to average assets | 3.5919% | 1,802 |
| Loan and lease loss provision to assets | 0.5519% | 2,567 |
| Net operating income to assets | 0.0228% | 6,048 |
| Return on assets (ROA) | 0.0251% | 6,143 |
| Pretax return on assets | 0.0251% | 6,115 |
| Return on Equity (ROE) | 0.2682% | 6,137 |
| Retained earnings to average equity (ytd only) | -2.9497% | 6,292 |
| Net charge-offs to loans | 0.0325% | 5,894 |
| Credit loss provision to net charge-offs | 2,200.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 22.9091% | 1,119 |
| Efficiency ratio | 86.2069% | 1,685 |
| Assets per employee ($millions) | 3.8501% | 4,098 |
| Cash dividends to net income (ytd only)* | 1,200.0000% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 5,494 |
| Loan loss allowance to noncurrent loans | 31.7254% | 6,253 |
| Noncurrent assets plus other real estate owned to assets | 2.9166% | 2,466 |
| Noncurrent loans to loans | 3.7588% | 2,068 |
| Net loans and leases to total assets | 76.6685% | 1,352 |
| Net loans and leases to deposits | 84.8390% | 2,732 |
| Net loans and leases to core deposits | 92.1956% | 2,959 |
| Total domestic deposits to total assets | 90.3694% | 735 |
| Equity capital to assets | 9.3060% | 4,994 |
| Core capital (leverage) ratio | 10.1792% | 2,960 |
| Tier 1 risk-based capital ratio | 10.9029% | 6,339 |
| Total risk-based capital ratio | 11.9870% | 6,483 |
| Memoranda: | ||
| Average total assets | $87,696,330 | 5,460 |
| Average earning assets | $76,232,000 | 5,568 |
| Average equity | $8,204,330 | 5,729 |
| Average total loans | $67,631,000 | 4,878 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6355% | 2,004 |
| Cost of funding earning assets | 1.6572% | 2,613 |
| Net interest margin | 3.9783% | 2,964 |
| Noninterest income to average assets | 0.6374% | 3,022 |
| Noninterest expense to average assets | 3.5762% | 1,793 |
| Loan and lease loss provision to assets | 0.1031% | 5,593 |
| Net operating income to assets | 0.3562% | 5,048 |
| Return on assets (ROA) | 0.3609% | 5,144 |
| Pretax return on assets | 0.3609% | 5,411 |
| Return on Equity (ROE) | 3.8466% | 4,963 |
| Retained earnings to average equity (ytd only) | 3.8466% | 3,833 |
| Net charge-offs to loans | -0.0366% | 7,254 |
| Credit loss provision to net charge-offs | -366.6667% | 6,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6179% | 1,533 |
| Assets per employee ($millions) | 2.5439% | 7,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 6,525 |
| Loan loss allowance to noncurrent loans | 20.2296% | 6,996 |
| Noncurrent assets plus other real estate owned to assets | 4.3888% | 1,549 |
| Noncurrent loans to loans | 4.8810% | 1,492 |
| Net loans and leases to total assets | 75.5908% | 1,623 |
| Net loans and leases to deposits | 86.1408% | 2,560 |
| Net loans and leases to core deposits | 92.3173% | 3,069 |
| Total domestic deposits to total assets | 87.7526% | 2,211 |
| Equity capital to assets | 9.3014% | 4,828 |
| Core capital (leverage) ratio | 10.1243% | 3,014 |
| Tier 1 risk-based capital ratio | 10.8971% | 6,254 |
| Total risk-based capital ratio | 11.7802% | 6,594 |
| Memoranda: | ||
| Average total assets | $85,343,000 | 5,587 |
| Average earning assets | $72,895,500 | 5,747 |
| Average equity | $8,007,000 | 5,839 |
| Average total loans | $65,597,000 | 5,015 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7641% | 2,801 |
| Cost of funding earning assets | 1.9276% | 3,319 |
| Net interest margin | 3.8365% | 3,547 |
| Noninterest income to average assets | 0.7954% | 2,425 |
| Noninterest expense to average assets | 3.7479% | 1,803 |
| Loan and lease loss provision to assets | 0.1792% | 5,912 |
| Net operating income to assets | 0.2054% | 4,886 |
| Return on assets (ROA) | 0.2054% | 4,948 |
| Pretax return on assets | 0.2054% | 4,994 |
| Return on Equity (ROE) | 2.0719% | 4,875 |
| Retained earnings to average equity (ytd only) | -0.1632% | 4,981 |
| Net charge-offs to loans | 0.2253% | 5,209 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 2.1458% | 4,115 |
| Efficiency ratio | 90.6928% | 1,657 |
| Assets per employee ($millions) | 2.4763% | 7,237 |
| Cash dividends to net income (ytd only)* | 107.8788% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 6,592 |
| Loan loss allowance to noncurrent loans | 27.4769% | 6,640 |
| Noncurrent assets plus other real estate owned to assets | 3.3779% | 2,010 |
| Noncurrent loans to loans | 3.4852% | 2,179 |
| Net loans and leases to total assets | 76.6539% | 1,657 |
| Net loans and leases to deposits | 86.4368% | 2,835 |
| Net loans and leases to core deposits | 124.4418% | 1,610 |
| Total domestic deposits to total assets | 88.6821% | 1,636 |
| Equity capital to assets | 9.4650% | 4,466 |
| Core capital (leverage) ratio | 9.6512% | 3,518 |
| Tier 1 risk-based capital ratio | 10.9533% | 5,958 |
| Total risk-based capital ratio | 11.8110% | 6,315 |
| Memoranda: | ||
| Average total assets | $80,338,600 | 5,718 |
| Average earning assets | $69,880,800 | 5,816 |
| Average equity | $7,963,800 | 5,938 |
| Average total loans | $63,910,200 | 5,108 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7962% | 2,916 |
| Cost of funding earning assets | 1.9449% | 3,638 |
| Net interest margin | 3.8513% | 3,426 |
| Noninterest income to average assets | 0.8264% | 2,304 |
| Noninterest expense to average assets | 3.7677% | 1,662 |
| Loan and lease loss provision to assets | 0.2352% | 5,092 |
| Net operating income to assets | 0.1730% | 5,238 |
| Return on assets (ROA) | 0.1730% | 5,311 |
| Pretax return on assets | 0.1730% | 5,358 |
| Return on Equity (ROE) | 1.7247% | 5,255 |
| Retained earnings to average equity (ytd only) | -1.2559% | 5,548 |
| Net charge-offs to loans | 0.2767% | 4,313 |
| Credit loss provision to net charge-offs | 106.0606% | 4,798 |
| Earnings coverage of net charge-offs (x) | 1.8409% | 4,424 |
| Efficiency ratio | 90.2253% | 1,668 |
| Assets per employee ($millions) | 2.4700% | 7,276 |
| Cash dividends to net income (ytd only)* | 172.8173% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 6,384 |
| Loan loss allowance to noncurrent loans | 54.0240% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 3.7056% | 1,754 |
| Noncurrent loans to loans | 1.8223% | 3,883 |
| Net loans and leases to total assets | 75.5704% | 2,086 |
| Net loans and leases to deposits | 85.3401% | 3,444 |
| Net loans and leases to core deposits | 111.4401% | 3,077 |
| Total domestic deposits to total assets | 88.5520% | 1,409 |
| Equity capital to assets | 9.4141% | 4,867 |
| Core capital (leverage) ratio | 9.5504% | 3,842 |
| Tier 1 risk-based capital ratio | 11.0702% | 5,880 |
| Total risk-based capital ratio | 11.9537% | 6,220 |
| Memoranda: | ||
| Average total assets | $79,374,750 | 5,790 |
| Average earning assets | $69,031,750 | 5,882 |
| Average equity | $7,962,500 | 5,993 |
| Average total loans | $63,597,250 | 5,145 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7718% | 3,187 |
| Cost of funding earning assets | 1.9279% | 4,120 |
| Net interest margin | 3.8439% | 3,359 |
| Noninterest income to average assets | 0.9070% | 1,958 |
| Noninterest expense to average assets | 3.8284% | 1,613 |
| Loan and lease loss provision to assets | 0.3340% | 3,936 |
| Net operating income to assets | 0.0899% | 5,592 |
| Return on assets (ROA) | 0.0899% | 5,693 |
| Pretax return on assets | 0.0899% | 5,700 |
| Return on Equity (ROE) | 0.8770% | 5,666 |
| Retained earnings to average equity (ytd only) | -1.9295% | 5,722 |
| Net charge-offs to loans | 0.2680% | 3,851 |
| Credit loss provision to net charge-offs | 152.9412% | 3,007 |
| Earnings coverage of net charge-offs (x) | 1.9412% | 4,130 |
| Efficiency ratio | 90.0302% | 1,810 |
| Assets per employee ($millions) | 2.3029% | 7,546 |
| Cash dividends to net income (ytd only)* | 320.0000% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 5,939 |
| Loan loss allowance to noncurrent loans | 159.0476% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 2.9329% | 2,173 |
| Noncurrent loans to loans | 0.6574% | 5,943 |
| Net loans and leases to total assets | 78.4397% | 1,650 |
| Net loans and leases to deposits | 88.9990% | 2,990 |
| Net loans and leases to core deposits | 113.7982% | 2,932 |
| Total domestic deposits to total assets | 88.1355% | 1,698 |
| Equity capital to assets | 9.8062% | 4,206 |
| Core capital (leverage) ratio | 9.8906% | 3,406 |
| Tier 1 risk-based capital ratio | 11.2617% | 5,627 |
| Total risk-based capital ratio | 12.2134% | 5,851 |
| Memoranda: | ||
| Average total assets | $77,839,670 | 5,873 |
| Average earning assets | $67,743,000 | 5,956 |
| Average equity | $7,981,330 | 6,031 |
| Average total loans | $63,431,330 | 5,194 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7657% | 3,453 |
| Cost of funding earning assets | 1.8138% | 5,051 |
| Net interest margin | 3.9519% | 2,842 |
| Noninterest income to average assets | 1.1196% | 1,185 |
| Noninterest expense to average assets | 3.9551% | 1,240 |
| Loan and lease loss provision to assets | 0.2093% | 4,349 |
| Net operating income to assets | 0.3976% | 4,869 |
| Return on assets (ROA) | 0.3976% | 5,048 |
| Pretax return on assets | 0.3976% | 5,400 |
| Return on Equity (ROE) | 3.7905% | 5,031 |
| Retained earnings to average equity (ytd only) | 3.7905% | 3,781 |
| Net charge-offs to loans | 0.2595% | 3,104 |
| Credit loss provision to net charge-offs | 97.5610% | 3,849 |
| Earnings coverage of net charge-offs (x) | 2.8293% | 3,362 |
| Efficiency ratio | 86.6972% | 1,995 |
| Assets per employee ($millions) | 2.2826% | 7,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 6,395 |
| Loan loss allowance to noncurrent loans | 120.9709% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 2.9726% | 1,897 |
| Noncurrent loans to loans | 0.7980% | 5,439 |
| Net loans and leases to total assets | 82.3562% | 958 |
| Net loans and leases to deposits | 97.3928% | 1,756 |
| Net loans and leases to core deposits | 122.1710% | 2,237 |
| Total domestic deposits to total assets | 84.5609% | 3,432 |
| Equity capital to assets | 10.3830% | 3,578 |
| Core capital (leverage) ratio | 10.4507% | 2,983 |
| Tier 1 risk-based capital ratio | 11.5371% | 5,368 |
| Total risk-based capital ratio | 12.4291% | 5,637 |
| Memoranda: | ||
| Average total assets | $76,458,500 | 5,931 |
| Average earning assets | $66,600,500 | 6,018 |
| Average equity | $8,020,000 | 6,057 |
| Average total loans | $63,201,000 | 5,237 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7354% | 1,916 |
| Cost of funding earning assets | 2.3383% | 4,977 |
| Net interest margin | 4.3971% | 1,692 |
| Noninterest income to average assets | 0.7554% | 2,751 |
| Noninterest expense to average assets | 4.0348% | 1,364 |
| Loan and lease loss provision to assets | 0.4190% | 3,188 |
| Net operating income to assets | 0.0541% | 6,219 |
| Return on assets (ROA) | 0.0541% | 6,076 |
| Pretax return on assets | 0.0541% | 6,040 |
| Return on Equity (ROE) | 0.5027% | 6,074 |
| Retained earnings to average equity (ytd only) | -6.3791% | 6,706 |
| Net charge-offs to loans | 0.6737% | 1,833 |
| Credit loss provision to net charge-offs | 77.3810% | 5,949 |
| Earnings coverage of net charge-offs (x) | 0.8738% | 5,703 |
| Efficiency ratio | 89.5053% | 1,554 |
| Assets per employee ($millions) | 2.2150% | 7,685 |
| Cash dividends to net income (ytd only)* | 1,369.0476% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 5,956 |
| Loan loss allowance to noncurrent loans | 68.2713% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 4.1204% | 981 |
| Noncurrent loans to loans | 1.4774% | 3,585 |
| Net loans and leases to total assets | 81.3183% | 1,354 |
| Net loans and leases to deposits | 94.6961% | 2,661 |
| Net loans and leases to core deposits | 115.7809% | 3,148 |
| Total domestic deposits to total assets | 85.8729% | 2,465 |
| Equity capital to assets | 10.5990% | 3,392 |
| Core capital (leverage) ratio | 10.1965% | 3,275 |
| Tier 1 risk-based capital ratio | 11.7819% | 4,997 |
| Total risk-based capital ratio | 12.7030% | 5,183 |
| Memoranda: | ||
| Average total assets | $77,574,200 | 5,787 |
| Average earning assets | $66,202,200 | 5,961 |
| Average equity | $8,355,400 | 5,962 |
| Average total loans | $62,345,000 | 5,162 |