Home > Citizens State Bank - Midwest > Performance and Condition Ratios
Citizens State Bank - Midwest, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3543% | 739 |
| Cost of funding earning assets | 0.8131% | 2,620 |
| Net interest margin | 4.5412% | 667 |
| Noninterest income to average assets | 0.2009% | 4,457 |
| Noninterest expense to average assets | 2.4834% | 3,496 |
| Loan and lease loss provision to assets | 0.2948% | 575 |
| Net operating income to assets | 1.7262% | 623 |
| Return on assets (ROA) | 1.7324% | 654 |
| Pretax return on assets | 1.5711% | 1,580 |
| Return on Equity (ROE) | 12.2634% | 1,415 |
| Retained earnings to average equity (ytd only) | 5.2613% | 2,286 |
| Net charge-offs to loans | 0.0141% | 3,197 |
| Credit loss provision to net charge-offs | 2,714.2857% | 146 |
| Earnings coverage of net charge-offs (x) | 171.2143% | 446 |
| Efficiency ratio | 52.5902% | 4,559 |
| Assets per employee ($millions) | 5.0257% | 2,561 |
| Cash dividends to net income (ytd only)* | 57.0981% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8855% | 4,029 |
| Loan loss allowance to noncurrent loans | 293.5275% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 3,208 |
| Noncurrent loans to loans | 0.3017% | 3,353 |
| Net loans and leases to total assets | 77.6931% | 1,126 |
| Net loans and leases to deposits | 93.6324% | 1,193 |
| Net loans and leases to core deposits | 98.8963% | 1,661 |
| Total domestic deposits to total assets | 82.9767% | 3,199 |
| Equity capital to assets | 14.2422% | 1,023 |
| Core capital (leverage) ratio | 13.3706% | 1,095 |
| Tier 1 risk-based capital ratio | 15.3777% | 2,626 |
| Total risk-based capital ratio | 16.1982% | 2,744 |
| Memoranda: | ||
| Average total assets | $128,894,000 | 3,581 |
| Average earning assets | $117,568,800 | 3,593 |
| Average equity | $18,208,600 | 3,320 |
| Average total loans | $99,170,200 | 3,239 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3747% | 737 |
| Cost of funding earning assets | 0.7892% | 2,769 |
| Net interest margin | 4.5856% | 632 |
| Noninterest income to average assets | 0.2252% | 4,387 |
| Noninterest expense to average assets | 2.4766% | 3,503 |
| Loan and lease loss provision to assets | 0.3944% | 329 |
| Net operating income to assets | 1.7438% | 685 |
| Return on assets (ROA) | 1.7521% | 712 |
| Pretax return on assets | 1.5362% | 1,848 |
| Return on Equity (ROE) | 12.4286% | 1,473 |
| Retained earnings to average equity (ytd only) | 6.1702% | 2,292 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7697% | 4,612 |
| Assets per employee ($millions) | 4.7938% | 2,800 |
| Cash dividends to net income (ytd only)* | 50.3557% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8905% | 4,086 |
| Loan loss allowance to noncurrent loans | 286.6044% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.3484% | 3,113 |
| Noncurrent loans to loans | 0.3107% | 3,414 |
| Net loans and leases to total assets | 79.1072% | 971 |
| Net loans and leases to deposits | 96.4924% | 957 |
| Net loans and leases to core deposits | 102.4945% | 1,455 |
| Total domestic deposits to total assets | 81.9828% | 3,481 |
| Equity capital to assets | 14.3141% | 1,037 |
| Core capital (leverage) ratio | 13.1939% | 1,258 |
| Tier 1 risk-based capital ratio | 15.2587% | 2,736 |
| Total risk-based capital ratio | 16.0931% | 2,853 |
| Memoranda: | ||
| Average total assets | $128,450,500 | 3,625 |
| Average earning assets | $116,915,000 | 3,637 |
| Average equity | $18,108,250 | 3,349 |
| Average total loans | $98,356,000 | 3,293 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2748% | 856 |
| Cost of funding earning assets | 0.7440% | 2,924 |
| Net interest margin | 4.5308% | 711 |
| Noninterest income to average assets | 0.2404% | 4,314 |
| Noninterest expense to average assets | 2.4929% | 3,504 |
| Loan and lease loss provision to assets | 0.4371% | 279 |
| Net operating income to assets | 1.7608% | 646 |
| Return on assets (ROA) | 1.7733% | 653 |
| Pretax return on assets | 1.4486% | 2,038 |
| Return on Equity (ROE) | 12.6442% | 1,351 |
| Retained earnings to average equity (ytd only) | 7.9138% | 1,430 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5206% | 4,614 |
| Assets per employee ($millions) | 4.9712% | 2,514 |
| Cash dividends to net income (ytd only)* | 37.4120% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7959% | 4,458 |
| Loan loss allowance to noncurrent loans | 242.6036% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 3,086 |
| Noncurrent loans to loans | 0.3281% | 3,355 |
| Net loans and leases to total assets | 79.0750% | 1,029 |
| Net loans and leases to deposits | 96.0014% | 1,037 |
| Net loans and leases to core deposits | 101.2632% | 1,613 |
| Total domestic deposits to total assets | 82.3686% | 3,417 |
| Equity capital to assets | 14.2071% | 1,053 |
| Core capital (leverage) ratio | 13.2086% | 1,210 |
| Tier 1 risk-based capital ratio | 15.2928% | 2,717 |
| Total risk-based capital ratio | 16.0464% | 2,847 |
| Memoranda: | ||
| Average total assets | $128,123,330 | 3,644 |
| Average earning assets | $116,668,000 | 3,665 |
| Average equity | $17,968,670 | 3,356 |
| Average total loans | $96,704,670 | 3,328 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2232% | 869 |
| Cost of funding earning assets | 0.6953% | 3,084 |
| Net interest margin | 4.5279% | 699 |
| Noninterest income to average assets | 0.2603% | 4,151 |
| Noninterest expense to average assets | 2.4867% | 3,549 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8783% | 475 |
| Return on assets (ROA) | 1.8783% | 493 |
| Pretax return on assets | 1.8783% | 832 |
| Return on Equity (ROE) | 13.4823% | 1,089 |
| Retained earnings to average equity (ytd only) | 13.4823% | 404 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3707% | 4,671 |
| Assets per employee ($millions) | 5.1697% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5722% | 4,984 |
| Loan loss allowance to noncurrent loans | 111.1111% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.4766% | 2,702 |
| Noncurrent loans to loans | 0.5150% | 2,770 |
| Net loans and leases to total assets | 72.6049% | 2,059 |
| Net loans and leases to deposits | 87.0666% | 1,993 |
| Net loans and leases to core deposits | 92.0006% | 2,295 |
| Total domestic deposits to total assets | 83.3901% | 3,259 |
| Equity capital to assets | 14.0272% | 1,028 |
| Core capital (leverage) ratio | 13.2081% | 1,184 |
| Tier 1 risk-based capital ratio | 15.9305% | 2,470 |
| Total risk-based capital ratio | 16.4568% | 2,698 |
| Memoranda: | ||
| Average total assets | $127,559,000 | 3,688 |
| Average earning assets | $115,638,000 | 3,723 |
| Average equity | $17,771,500 | 3,374 |
| Average total loans | $93,544,000 | 3,417 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0641% | 921 |
| Cost of funding earning assets | 0.2869% | 4,631 |
| Net interest margin | 4.7773% | 416 |
| Noninterest income to average assets | 0.3168% | 3,999 |
| Noninterest expense to average assets | 2.5935% | 3,356 |
| Loan and lease loss provision to assets | 0.3128% | 513 |
| Net operating income to assets | 1.4821% | 1,166 |
| Return on assets (ROA) | 1.4855% | 1,144 |
| Pretax return on assets | 1.7175% | 1,120 |
| Return on Equity (ROE) | 10.5720% | 2,261 |
| Retained earnings to average equity (ytd only) | 8.2948% | 1,121 |
| Net charge-offs to loans | 0.0011% | 3,739 |
| Credit loss provision to net charge-offs | 39,100.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 2,533.0000% | 33 |
| Efficiency ratio | 50.6840% | 4,896 |
| Assets per employee ($millions) | 4.8414% | 2,683 |
| Cash dividends to net income (ytd only)* | 21.5401% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5824% | 5,000 |
| Loan loss allowance to noncurrent loans | 159.7633% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.3885% | 3,008 |
| Noncurrent loans to loans | 0.3646% | 3,227 |
| Net loans and leases to total assets | 73.2244% | 2,056 |
| Net loans and leases to deposits | 87.7595% | 2,069 |
| Net loans and leases to core deposits | 91.2540% | 2,475 |
| Total domestic deposits to total assets | 83.4377% | 3,178 |
| Equity capital to assets | 13.8342% | 1,022 |
| Core capital (leverage) ratio | 12.9325% | 1,276 |
| Tier 1 risk-based capital ratio | 15.5577% | 2,592 |
| Total risk-based capital ratio | 16.0926% | 2,837 |
| Memoranda: | ||
| Average total assets | $125,006,400 | 3,718 |
| Average earning assets | $112,595,800 | 3,767 |
| Average equity | $17,565,200 | 3,337 |
| Average total loans | $91,296,800 | 3,458 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8029% | 1,420 |
| Cost of funding earning assets | 0.2541% | 4,763 |
| Net interest margin | 4.5488% | 676 |
| Noninterest income to average assets | 0.3633% | 3,706 |
| Noninterest expense to average assets | 2.5899% | 3,315 |
| Loan and lease loss provision to assets | 0.1603% | 1,204 |
| Net operating income to assets | 1.3974% | 1,503 |
| Return on assets (ROA) | 1.4018% | 1,486 |
| Pretax return on assets | 1.7116% | 1,252 |
| Return on Equity (ROE) | 9.9375% | 2,648 |
| Retained earnings to average equity (ytd only) | 8.2711% | 1,527 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4574% | 4,763 |
| Assets per employee ($millions) | 4.9182% | 2,571 |
| Cash dividends to net income (ytd only)* | 16.7685% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3250% | 5,342 |
| Loan loss allowance to noncurrent loans | 88.7574% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 3,046 |
| Noncurrent loans to loans | 0.3662% | 3,335 |
| Net loans and leases to total assets | 74.8306% | 1,849 |
| Net loans and leases to deposits | 90.6081% | 1,811 |
| Net loans and leases to core deposits | 93.6687% | 2,324 |
| Total domestic deposits to total assets | 82.5871% | 3,438 |
| Equity capital to assets | 14.6932% | 783 |
| Core capital (leverage) ratio | 13.4671% | 1,114 |
| Tier 1 risk-based capital ratio | 16.6204% | 2,236 |
| Total risk-based capital ratio | 16.9362% | 2,512 |
| Memoranda: | ||
| Average total assets | $124,789,000 | 3,754 |
| Average earning assets | $112,290,250 | 3,809 |
| Average equity | $17,603,000 | 3,363 |
| Average total loans | $90,943,000 | 3,485 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6297% | 1,693 |
| Cost of funding earning assets | 0.2317% | 4,841 |
| Net interest margin | 4.3980% | 852 |
| Noninterest income to average assets | 0.3062% | 4,125 |
| Noninterest expense to average assets | 2.6188% | 3,271 |
| Loan and lease loss provision to assets | 0.1595% | 1,171 |
| Net operating income to assets | 1.0352% | 2,872 |
| Return on assets (ROA) | 1.0415% | 2,845 |
| Pretax return on assets | 1.5024% | 1,808 |
| Return on Equity (ROE) | 7.4848% | 3,732 |
| Retained earnings to average equity (ytd only) | 7.4848% | 1,849 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3938% | 4,548 |
| Assets per employee ($millions) | 5.0448% | 2,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2651% | 5,435 |
| Loan loss allowance to noncurrent loans | 30.1205% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 0.7913% | 1,897 |
| Noncurrent loans to loans | 0.8801% | 1,969 |
| Net loans and leases to total assets | 74.5744% | 1,855 |
| Net loans and leases to deposits | 89.4441% | 1,918 |
| Net loans and leases to core deposits | 91.2862% | 2,457 |
| Total domestic deposits to total assets | 83.3755% | 3,296 |
| Equity capital to assets | 14.0627% | 915 |
| Core capital (leverage) ratio | 12.9086% | 1,265 |
| Tier 1 risk-based capital ratio | 15.8447% | 2,492 |
| Total risk-based capital ratio | 16.1140% | 2,861 |
| Memoranda: | ||
| Average total assets | $125,400,330 | 3,770 |
| Average earning assets | $113,096,670 | 3,826 |
| Average equity | $17,448,670 | 3,397 |
| Average total loans | $90,488,000 | 3,505 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5667% | 1,672 |
| Cost of funding earning assets | 0.1950% | 5,042 |
| Net interest margin | 4.3717% | 813 |
| Noninterest income to average assets | 0.3295% | 3,949 |
| Noninterest expense to average assets | 2.7255% | 2,957 |
| Loan and lease loss provision to assets | 0.1599% | 1,126 |
| Net operating income to assets | 0.6686% | 4,217 |
| Return on assets (ROA) | 0.6686% | 4,221 |
| Pretax return on assets | 1.3884% | 2,054 |
| Return on Equity (ROE) | 4.8310% | 4,541 |
| Retained earnings to average equity (ytd only) | 4.8310% | 3,245 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8593% | 4,360 |
| Assets per employee ($millions) | 5.0192% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2296% | 5,516 |
| Loan loss allowance to noncurrent loans | 23.9808% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 0.7985% | 1,982 |
| Noncurrent loans to loans | 0.9574% | 1,910 |
| Net loans and leases to total assets | 69.2639% | 2,594 |
| Net loans and leases to deposits | 83.4795% | 2,456 |
| Net loans and leases to core deposits | 85.2138% | 2,868 |
| Total domestic deposits to total assets | 82.9711% | 3,677 |
| Equity capital to assets | 13.8611% | 931 |
| Core capital (leverage) ratio | 12.7509% | 1,272 |
| Tier 1 risk-based capital ratio | 16.1678% | 2,405 |
| Total risk-based capital ratio | 16.3988% | 2,745 |
| Memoranda: | ||
| Average total assets | $125,040,000 | 3,816 |
| Average earning assets | $112,816,500 | 3,873 |
| Average equity | $17,305,000 | 3,435 |
| Average total loans | $88,580,000 | 3,577 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8907% | 5,656 |
| Cost of funding earning assets | 0.0045% | 5,655 |
| Net interest margin | 0.8861% | 5,652 |
| Noninterest income to average assets | 0.0844% | 5,450 |
| Noninterest expense to average assets | 0.5835% | 5,646 |
| Loan and lease loss provision to assets | 0.1241% | 1,841 |
| Net operating income to assets | 0.1854% | 5,137 |
| Return on assets (ROA) | 0.2019% | 5,123 |
| Pretax return on assets | 0.2019% | 5,310 |
| Return on Equity (ROE) | 1.5965% | 5,140 |
| Retained earnings to average equity (ytd only) | 1.5965% | 4,352 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9629% | 4,271 |
| Assets per employee ($millions) | 4.6148% | 3,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1666% | 5,588 |
| Loan loss allowance to noncurrent loans | 17.7515% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 0.8130% | 1,920 |
| Noncurrent loans to loans | 0.9384% | 1,901 |
| Net loans and leases to total assets | 72.1491% | 2,212 |
| Net loans and leases to deposits | 86.5976% | 2,183 |
| Net loans and leases to core deposits | 88.3978% | 2,693 |
| Total domestic deposits to total assets | 83.3153% | 3,461 |
| Equity capital to assets | 13.8179% | 958 |
| Core capital (leverage) ratio | 13.2387% | 1,061 |
| Tier 1 risk-based capital ratio | 16.0626% | 2,412 |
| Total risk-based capital ratio | 16.2393% | 2,785 |
| Memoranda: | ||
| Average total assets | $120,826,200 | 3,885 |
| Average earning assets | $110,253,000 | 3,908 |
| Average equity | $15,283,000 | 3,685 |
| Average total loans | $90,668,400 | 3,511 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4664% | 1,738 |
| Cost of funding earning assets | 0.3308% | 3,838 |
| Net interest margin | 4.1356% | 1,304 |
| Noninterest income to average assets | 0.5405% | 2,776 |
| Noninterest expense to average assets | 2.6814% | 3,122 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0577% | 2,297 |
| Return on assets (ROA) | 1.0577% | 2,333 |
| Pretax return on assets | 1.6416% | 1,274 |
| Return on Equity (ROE) | 8.5677% | 2,828 |
| Retained earnings to average equity (ytd only) | -2.8559% | 5,476 |
| Net charge-offs to loans | -0.1997% | 5,543 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0273% | 3,877 |
| Assets per employee ($millions) | 4.4781% | 3,182 |
| Cash dividends to net income (ytd only)* | 133.3328% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7564% | 930 |
| Loan loss allowance to noncurrent loans | 67.1636% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 2.1917% | 558 |
| Noncurrent loans to loans | 2.6151% | 555 |
| Net loans and leases to total assets | 77.1181% | 1,407 |
| Net loans and leases to deposits | 92.5057% | 1,495 |
| Net loans and leases to core deposits | 94.4854% | 2,224 |
| Total domestic deposits to total assets | 83.3659% | 3,341 |
| Equity capital to assets | 12.3160% | 1,774 |
| Core capital (leverage) ratio | 11.5016% | 2,017 |
| Tier 1 risk-based capital ratio | 13.7716% | 3,537 |
| Total risk-based capital ratio | 15.0516% | 3,460 |
| Memoranda: | ||
| Average total assets | $119,883,000 | 3,940 |
| Average earning assets | $109,646,750 | 3,964 |
| Average equity | $14,799,500 | 3,780 |
| Average total loans | $90,823,750 | 3,541 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3372% | 2,012 |
| Cost of funding earning assets | 0.3093% | 3,987 |
| Net interest margin | 4.0279% | 1,524 |
| Noninterest income to average assets | 0.3865% | 3,780 |
| Noninterest expense to average assets | 2.4895% | 3,786 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0005% | 2,424 |
| Return on assets (ROA) | 1.0005% | 2,464 |
| Pretax return on assets | 1.5794% | 1,406 |
| Return on Equity (ROE) | 8.0980% | 2,965 |
| Retained earnings to average equity (ytd only) | -3.4126% | 5,462 |
| Net charge-offs to loans | -0.0581% | 5,240 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1842% | 4,136 |
| Assets per employee ($millions) | 4.7354% | 2,744 |
| Cash dividends to net income (ytd only)* | 142.1405% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6947% | 1,070 |
| Loan loss allowance to noncurrent loans | 108.7291% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 1.6577% | 893 |
| Noncurrent loans to loans | 1.5586% | 1,197 |
| Net loans and leases to total assets | 73.3579% | 1,980 |
| Net loans and leases to deposits | 83.8967% | 2,491 |
| Net loans and leases to core deposits | 85.0894% | 2,962 |
| Total domestic deposits to total assets | 87.4384% | 1,752 |
| Equity capital to assets | 11.8371% | 2,052 |
| Core capital (leverage) ratio | 12.2698% | 1,494 |
| Tier 1 risk-based capital ratio | 14.5595% | 3,130 |
| Total risk-based capital ratio | 15.8362% | 3,039 |
| Memoranda: | ||
| Average total assets | $119,541,330 | 3,969 |
| Average earning assets | $109,288,330 | 3,991 |
| Average equity | $14,769,000 | 3,789 |
| Average total loans | $89,462,000 | 3,587 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4178% | 1,594 |
| Cost of funding earning assets | 0.3137% | 3,913 |
| Net interest margin | 4.1041% | 1,206 |
| Noninterest income to average assets | 0.4042% | 3,627 |
| Noninterest expense to average assets | 2.5749% | 3,577 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0259% | 2,190 |
| Return on assets (ROA) | 1.0259% | 2,244 |
| Pretax return on assets | 1.5626% | 1,331 |
| Return on Equity (ROE) | 8.1257% | 2,854 |
| Retained earnings to average equity (ytd only) | 8.1257% | 1,408 |
| Net charge-offs to loans | -0.1042% | 5,454 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2332% | 4,119 |
| Assets per employee ($millions) | 4.3204% | 3,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8043% | 952 |
| Loan loss allowance to noncurrent loans | 302.9240% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 1.2019% | 1,466 |
| Noncurrent loans to loans | 0.5956% | 3,032 |
| Net loans and leases to total assets | 72.4994% | 2,002 |
| Net loans and leases to deposits | 84.0726% | 2,277 |
| Net loans and leases to core deposits | 85.3530% | 2,777 |
| Total domestic deposits to total assets | 86.2343% | 2,562 |
| Equity capital to assets | 12.8896% | 1,308 |
| Core capital (leverage) ratio | 12.3690% | 1,412 |
| Tier 1 risk-based capital ratio | 15.5071% | 2,754 |
| Total risk-based capital ratio | 16.7884% | 2,669 |
| Memoranda: | ||
| Average total assets | $117,751,500 | 4,036 |
| Average earning assets | $107,112,500 | 4,064 |
| Average equity | $14,866,500 | 3,798 |
| Average total loans | $88,255,000 | 3,638 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 1,795 |
| Cost of funding earning assets | 0.2911% | 4,163 |
| Net interest margin | 4.1175% | 1,339 |
| Noninterest income to average assets | 0.4123% | 3,794 |
| Noninterest expense to average assets | 2.5892% | 3,709 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9585% | 2,540 |
| Return on assets (ROA) | 1.0216% | 2,364 |
| Pretax return on assets | 1.6586% | 1,108 |
| Return on Equity (ROE) | 8.4282% | 2,722 |
| Retained earnings to average equity (ytd only) | 3.2213% | 3,623 |
| Net charge-offs to loans | -0.0561% | 5,428 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4011% | 4,187 |
| Assets per employee ($millions) | 4.4019% | 3,275 |
| Cash dividends to net income (ytd only)* | 61.7792% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6939% | 1,149 |
| Loan loss allowance to noncurrent loans | 251.3957% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 1.2604% | 1,415 |
| Noncurrent loans to loans | 0.6738% | 2,851 |
| Net loans and leases to total assets | 74.7600% | 1,735 |
| Net loans and leases to deposits | 86.1697% | 2,145 |
| Net loans and leases to core deposits | 87.4469% | 2,728 |
| Total domestic deposits to total assets | 86.7591% | 2,259 |
| Equity capital to assets | 12.3659% | 1,597 |
| Core capital (leverage) ratio | 11.7886% | 1,732 |
| Tier 1 risk-based capital ratio | 14.4368% | 3,220 |
| Total risk-based capital ratio | 15.7133% | 3,140 |
| Memoranda: | ||
| Average total assets | $118,838,400 | 4,017 |
| Average earning assets | $107,857,000 | 4,044 |
| Average equity | $14,404,000 | 3,892 |
| Average total loans | $90,862,800 | 3,562 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2160% | 2,456 |
| Cost of funding earning assets | 0.2704% | 4,388 |
| Net interest margin | 3.9457% | 1,831 |
| Noninterest income to average assets | 0.4196% | 3,778 |
| Noninterest expense to average assets | 2.6075% | 3,637 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8600% | 3,101 |
| Return on assets (ROA) | 0.9447% | 2,812 |
| Pretax return on assets | 1.5304% | 1,608 |
| Return on Equity (ROE) | 7.8338% | 3,093 |
| Retained earnings to average equity (ytd only) | 0.8559% | 5,124 |
| Net charge-offs to loans | -0.0703% | 5,466 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0980% | 3,745 |
| Assets per employee ($millions) | 4.3294% | 3,368 |
| Cash dividends to net income (ytd only)* | 89.0740% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 1,428 |
| Loan loss allowance to noncurrent loans | 240.2516% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 1.3157% | 1,451 |
| Noncurrent loans to loans | 0.6718% | 3,011 |
| Net loans and leases to total assets | 76.8297% | 1,392 |
| Net loans and leases to deposits | 92.1847% | 1,473 |
| Net loans and leases to core deposits | 93.5796% | 2,222 |
| Total domestic deposits to total assets | 83.3432% | 3,467 |
| Equity capital to assets | 11.9498% | 2,156 |
| Core capital (leverage) ratio | 11.7294% | 1,859 |
| Tier 1 risk-based capital ratio | 13.5378% | 3,841 |
| Total risk-based capital ratio | 14.8066% | 3,738 |
| Memoranda: | ||
| Average total assets | $118,835,250 | 4,044 |
| Average earning assets | $107,998,000 | 4,068 |
| Average equity | $14,330,750 | 3,935 |
| Average total loans | $90,982,500 | 3,573 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2072% | 2,488 |
| Cost of funding earning assets | 0.2802% | 4,341 |
| Net interest margin | 3.9270% | 1,890 |
| Noninterest income to average assets | 0.4185% | 3,753 |
| Noninterest expense to average assets | 2.6466% | 3,553 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8946% | 2,889 |
| Return on assets (ROA) | 0.9014% | 2,989 |
| Pretax return on assets | 1.3436% | 2,230 |
| Return on Equity (ROE) | 7.4515% | 3,291 |
| Retained earnings to average equity (ytd only) | -3.0534% | 5,638 |
| Net charge-offs to loans | -0.1025% | 5,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4964% | 3,604 |
| Assets per employee ($millions) | 4.0555% | 3,808 |
| Cash dividends to net income (ytd only)* | 140.9774% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7164% | 1,242 |
| Loan loss allowance to noncurrent loans | 93.1056% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 2.2090% | 698 |
| Noncurrent loans to loans | 1.8435% | 1,105 |
| Net loans and leases to total assets | 74.2979% | 1,780 |
| Net loans and leases to deposits | 85.4440% | 2,309 |
| Net loans and leases to core deposits | 86.7185% | 2,838 |
| Total domestic deposits to total assets | 86.9551% | 1,940 |
| Equity capital to assets | 12.1555% | 2,010 |
| Core capital (leverage) ratio | 11.0281% | 2,406 |
| Tier 1 risk-based capital ratio | 13.5086% | 3,898 |
| Total risk-based capital ratio | 14.7793% | 3,792 |
| Memoranda: | ||
| Average total assets | $118,039,000 | 4,089 |
| Average earning assets | $107,054,000 | 4,112 |
| Average equity | $14,279,000 | 3,959 |
| Average total loans | $89,755,330 | 3,619 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1771% | 2,558 |
| Cost of funding earning assets | 0.2765% | 4,429 |
| Net interest margin | 3.9006% | 1,932 |
| Noninterest income to average assets | 0.4025% | 3,809 |
| Noninterest expense to average assets | 2.6891% | 3,451 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8287% | 3,105 |
| Return on assets (ROA) | 0.8423% | 3,155 |
| Pretax return on assets | 1.2651% | 2,449 |
| Return on Equity (ROE) | 6.9794% | 3,465 |
| Retained earnings to average equity (ytd only) | -8.0165% | 5,749 |
| Net charge-offs to loans | -0.0089% | 4,471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3577% | 3,405 |
| Assets per employee ($millions) | 4.0565% | 3,848 |
| Cash dividends to net income (ytd only)* | 214.8594% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6466% | 1,488 |
| Loan loss allowance to noncurrent loans | 91.7647% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 2.1881% | 758 |
| Noncurrent loans to loans | 1.7944% | 1,236 |
| Net loans and leases to total assets | 75.2495% | 1,512 |
| Net loans and leases to deposits | 86.8612% | 1,962 |
| Net loans and leases to core deposits | 88.1614% | 2,548 |
| Total domestic deposits to total assets | 86.6319% | 2,394 |
| Equity capital to assets | 12.0301% | 2,020 |
| Core capital (leverage) ratio | 10.9902% | 2,413 |
| Tier 1 risk-based capital ratio | 13.3483% | 4,068 |
| Total risk-based capital ratio | 14.6209% | 3,982 |
| Memoranda: | ||
| Average total assets | $118,254,000 | 4,113 |
| Average earning assets | $107,059,500 | 4,145 |
| Average equity | $14,270,500 | 3,973 |
| Average total loans | $90,179,500 | 3,615 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2077% | 2,534 |
| Cost of funding earning assets | 0.2902% | 4,367 |
| Net interest margin | 3.9175% | 1,972 |
| Noninterest income to average assets | 0.5473% | 3,025 |
| Noninterest expense to average assets | 2.7315% | 3,480 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8691% | 3,025 |
| Return on assets (ROA) | 0.8979% | 2,963 |
| Pretax return on assets | 1.3733% | 2,010 |
| Return on Equity (ROE) | 7.6147% | 3,184 |
| Retained earnings to average equity (ytd only) | 1.5825% | 4,818 |
| Net charge-offs to loans | 0.0246% | 3,752 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 72.1818% | 748 |
| Efficiency ratio | 67.2712% | 3,701 |
| Assets per employee ($millions) | 4.0990% | 3,762 |
| Cash dividends to net income (ytd only)* | 79.2171% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6380% | 1,500 |
| Loan loss allowance to noncurrent loans | 189.0166% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 1.4655% | 1,399 |
| Noncurrent loans to loans | 0.8666% | 2,619 |
| Net loans and leases to total assets | 74.7666% | 1,605 |
| Net loans and leases to deposits | 87.2615% | 1,963 |
| Net loans and leases to core deposits | 88.8404% | 2,518 |
| Total domestic deposits to total assets | 85.6810% | 2,779 |
| Equity capital to assets | 12.1048% | 1,877 |
| Core capital (leverage) ratio | 11.1145% | 2,294 |
| Tier 1 risk-based capital ratio | 13.4701% | 4,021 |
| Total risk-based capital ratio | 14.7424% | 3,947 |
| Memoranda: | ||
| Average total assets | $119,496,800 | 4,076 |
| Average earning assets | $107,160,600 | 4,112 |
| Average equity | $14,091,200 | 3,956 |
| Average total loans | $89,379,800 | 3,602 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1229% | 2,845 |
| Cost of funding earning assets | 0.2909% | 4,445 |
| Net interest margin | 3.8320% | 2,262 |
| Noninterest income to average assets | 0.3956% | 4,119 |
| Noninterest expense to average assets | 2.7044% | 3,552 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7669% | 3,602 |
| Return on assets (ROA) | 0.7744% | 3,648 |
| Pretax return on assets | 1.1366% | 3,062 |
| Return on Equity (ROE) | 6.6109% | 3,827 |
| Retained earnings to average equity (ytd only) | -1.4744% | 5,801 |
| Net charge-offs to loans | 0.0374% | 3,150 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 40.4029% | 1,236 |
| Efficiency ratio | 70.6139% | 3,111 |
| Assets per employee ($millions) | 3.9652% | 3,941 |
| Cash dividends to net income (ytd only)* | 122.3032% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6330% | 1,663 |
| Loan loss allowance to noncurrent loans | 140.0000% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 2.4538% | 718 |
| Noncurrent loans to loans | 1.1664% | 2,188 |
| Net loans and leases to total assets | 74.7940% | 1,587 |
| Net loans and leases to deposits | 89.6895% | 1,689 |
| Net loans and leases to core deposits | 91.3564% | 2,330 |
| Total domestic deposits to total assets | 83.3922% | 3,658 |
| Equity capital to assets | 11.8447% | 2,224 |
| Core capital (leverage) ratio | 10.8287% | 2,673 |
| Tier 1 risk-based capital ratio | 12.8774% | 4,503 |
| Total risk-based capital ratio | 14.1474% | 4,413 |
| Memoranda: | ||
| Average total assets | $119,653,500 | 4,123 |
| Average earning assets | $107,234,500 | 4,155 |
| Average equity | $14,016,750 | 4,012 |
| Average total loans | $89,136,000 | 3,640 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0650% | 3,028 |
| Cost of funding earning assets | 0.2910% | 4,495 |
| Net interest margin | 3.7740% | 2,425 |
| Noninterest income to average assets | 0.3854% | 4,188 |
| Noninterest expense to average assets | 2.7192% | 3,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7027% | 3,878 |
| Return on assets (ROA) | 0.7140% | 3,940 |
| Pretax return on assets | 1.0577% | 3,350 |
| Return on Equity (ROE) | 6.1176% | 4,071 |
| Retained earnings to average equity (ytd only) | -6.0319% | 6,060 |
| Net charge-offs to loans | 0.0271% | 3,136 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 928 |
| Efficiency ratio | 72.3159% | 2,960 |
| Assets per employee ($millions) | 3.9202% | 4,034 |
| Cash dividends to net income (ytd only)* | 198.5981% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6852% | 1,638 |
| Loan loss allowance to noncurrent loans | 171.4614% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 2.3366% | 853 |
| Noncurrent loans to loans | 0.9828% | 2,676 |
| Net loans and leases to total assets | 73.9146% | 1,677 |
| Net loans and leases to deposits | 84.6344% | 2,231 |
| Net loans and leases to core deposits | 85.9405% | 2,775 |
| Total domestic deposits to total assets | 87.3340% | 1,995 |
| Equity capital to assets | 11.6848% | 2,263 |
| Core capital (leverage) ratio | 10.4900% | 2,977 |
| Tier 1 risk-based capital ratio | 13.3796% | 4,288 |
| Total risk-based capital ratio | 14.6529% | 4,203 |
| Memoranda: | ||
| Average total assets | $119,886,000 | 4,158 |
| Average earning assets | $107,208,000 | 4,199 |
| Average equity | $13,992,330 | 4,043 |
| Average total loans | $88,698,330 | 3,670 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9988% | 3,232 |
| Cost of funding earning assets | 0.2883% | 4,570 |
| Net interest margin | 3.7105% | 2,583 |
| Noninterest income to average assets | 0.3768% | 4,186 |
| Noninterest expense to average assets | 2.7102% | 3,549 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6775% | 3,907 |
| Return on assets (ROA) | 0.6775% | 4,030 |
| Pretax return on assets | 0.9849% | 3,559 |
| Return on Equity (ROE) | 5.8084% | 4,134 |
| Retained earnings to average equity (ytd only) | -6.9417% | 6,035 |
| Net charge-offs to loans | -0.0135% | 4,861 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3453% | 2,937 |
| Assets per employee ($millions) | 4.1207% | 3,725 |
| Cash dividends to net income (ytd only)* | 219.5122% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7438% | 1,625 |
| Loan loss allowance to noncurrent loans | 162.0022% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 2.4301% | 895 |
| Noncurrent loans to loans | 1.0764% | 2,609 |
| Net loans and leases to total assets | 70.9640% | 1,983 |
| Net loans and leases to deposits | 81.3012% | 2,409 |
| Net loans and leases to core deposits | 82.5364% | 2,903 |
| Total domestic deposits to total assets | 87.2854% | 2,222 |
| Equity capital to assets | 11.7590% | 2,232 |
| Core capital (leverage) ratio | 10.4916% | 2,974 |
| Tier 1 risk-based capital ratio | 13.7723% | 4,166 |
| Total risk-based capital ratio | 15.0483% | 4,068 |
| Memoranda: | ||
| Average total assets | $121,026,000 | 4,169 |
| Average earning assets | $108,233,500 | 4,211 |
| Average equity | $14,117,500 | 4,056 |
| Average total loans | $88,838,500 | 3,673 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1211% | 3,243 |
| Cost of funding earning assets | 0.3115% | 4,664 |
| Net interest margin | 3.8096% | 2,593 |
| Noninterest income to average assets | 0.5231% | 3,338 |
| Noninterest expense to average assets | 2.8301% | 3,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7296% | 3,740 |
| Return on assets (ROA) | 0.7428% | 3,763 |
| Pretax return on assets | 1.0746% | 3,184 |
| Return on Equity (ROE) | 6.5137% | 3,893 |
| Retained earnings to average equity (ytd only) | 3.8100% | 3,499 |
| Net charge-offs to loans | 0.2751% | 1,573 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.4913% | 3,410 |
| Efficiency ratio | 72.8172% | 3,066 |
| Assets per employee ($millions) | 4.3769% | 3,227 |
| Cash dividends to net income (ytd only)* | 41.5073% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6439% | 1,942 |
| Loan loss allowance to noncurrent loans | 152.1783% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 2.4406% | 952 |
| Noncurrent loans to loans | 1.0802% | 2,660 |
| Net loans and leases to total assets | 73.3305% | 1,704 |
| Net loans and leases to deposits | 88.6220% | 1,659 |
| Net loans and leases to core deposits | 90.0066% | 2,281 |
| Total domestic deposits to total assets | 82.7453% | 4,166 |
| Equity capital to assets | 11.5730% | 2,370 |
| Core capital (leverage) ratio | 10.4675% | 2,982 |
| Tier 1 risk-based capital ratio | 13.3559% | 4,504 |
| Total risk-based capital ratio | 14.6186% | 4,423 |
| Memoranda: | ||
| Average total assets | $119,676,800 | 4,187 |
| Average earning assets | $105,627,200 | 4,280 |
| Average equity | $13,648,200 | 4,078 |
| Average total loans | $83,599,800 | 3,776 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0962% | 3,395 |
| Cost of funding earning assets | 0.3137% | 4,744 |
| Net interest margin | 3.7825% | 2,681 |
| Noninterest income to average assets | 0.4584% | 3,838 |
| Noninterest expense to average assets | 2.8267% | 3,363 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6754% | 4,076 |
| Return on assets (ROA) | 0.6770% | 4,155 |
| Pretax return on assets | 0.9583% | 3,766 |
| Return on Equity (ROE) | 5.9589% | 4,254 |
| Retained earnings to average equity (ytd only) | 2.3185% | 4,894 |
| Net charge-offs to loans | 0.4098% | 966 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.3984% | 3,666 |
| Efficiency ratio | 74.7259% | 2,699 |
| Assets per employee ($millions) | 4.4281% | 3,091 |
| Cash dividends to net income (ytd only)* | 61.0932% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6603% | 2,097 |
| Loan loss allowance to noncurrent loans | 87.4262% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 3.2003% | 705 |
| Noncurrent loans to loans | 1.8991% | 1,683 |
| Net loans and leases to total assets | 70.7494% | 2,069 |
| Net loans and leases to deposits | 92.0549% | 1,222 |
| Net loans and leases to core deposits | 93.5870% | 1,909 |
| Total domestic deposits to total assets | 76.8556% | 5,699 |
| Equity capital to assets | 11.1762% | 2,790 |
| Core capital (leverage) ratio | 10.0221% | 3,651 |
| Tier 1 risk-based capital ratio | 12.9526% | 4,893 |
| Total risk-based capital ratio | 14.2205% | 4,802 |
| Memoranda: | ||
| Average total assets | $118,958,000 | 4,239 |
| Average earning assets | $104,550,000 | 4,338 |
| Average equity | $13,514,500 | 4,126 |
| Average total loans | $81,657,250 | 3,854 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0591% | 3,508 |
| Cost of funding earning assets | 0.3207% | 4,750 |
| Net interest margin | 3.7384% | 2,803 |
| Noninterest income to average assets | 0.4212% | 4,085 |
| Noninterest expense to average assets | 2.8717% | 3,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6130% | 4,295 |
| Return on assets (ROA) | 0.6156% | 4,372 |
| Pretax return on assets | 0.8134% | 4,221 |
| Return on Equity (ROE) | 5.3879% | 4,490 |
| Retained earnings to average equity (ytd only) | -0.1194% | 5,706 |
| Net charge-offs to loans | 0.6469% | 600 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.8555% | 3,697 |
| Efficiency ratio | 77.9991% | 2,291 |
| Assets per employee ($millions) | 4.1636% | 3,521 |
| Cash dividends to net income (ytd only)* | 102.2161% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7769% | 1,903 |
| Loan loss allowance to noncurrent loans | 86.5182% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 3.5447% | 648 |
| Noncurrent loans to loans | 2.0537% | 1,635 |
| Net loans and leases to total assets | 67.5744% | 2,489 |
| Net loans and leases to deposits | 81.1029% | 2,373 |
| Net loans and leases to core deposits | 82.3904% | 2,927 |
| Total domestic deposits to total assets | 83.3193% | 4,183 |
| Equity capital to assets | 11.2585% | 2,652 |
| Core capital (leverage) ratio | 10.0024% | 3,607 |
| Tier 1 risk-based capital ratio | 13.1450% | 4,823 |
| Total risk-based capital ratio | 14.4100% | 4,741 |
| Memoranda: | ||
| Average total assets | $117,281,670 | 4,298 |
| Average earning assets | $102,288,670 | 4,406 |
| Average equity | $13,400,330 | 4,155 |
| Average total loans | $79,142,670 | 3,936 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0461% | 3,495 |
| Cost of funding earning assets | 0.3238% | 4,812 |
| Net interest margin | 3.7222% | 2,776 |
| Noninterest income to average assets | 0.3635% | 4,482 |
| Noninterest expense to average assets | 2.9217% | 3,148 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5002% | 4,687 |
| Return on assets (ROA) | 0.4950% | 4,794 |
| Pretax return on assets | 0.6577% | 4,639 |
| Return on Equity (ROE) | 4.2996% | 4,885 |
| Retained earnings to average equity (ytd only) | -6.7952% | 6,229 |
| Net charge-offs to loans | 1.3941% | 232 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.7138% | 3,279 |
| Efficiency ratio | 81.4672% | 1,995 |
| Assets per employee ($millions) | 4.2118% | 3,503 |
| Cash dividends to net income (ytd only)* | 258.0420% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9474% | 1,629 |
| Loan loss allowance to noncurrent loans | 65.3417% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 4.8572% | 435 |
| Noncurrent loans to loans | 2.9803% | 1,063 |
| Net loans and leases to total assets | 62.4647% | 3,157 |
| Net loans and leases to deposits | 71.1125% | 3,458 |
| Net loans and leases to core deposits | 72.2083% | 3,853 |
| Total domestic deposits to total assets | 87.8393% | 2,319 |
| Equity capital to assets | 11.2050% | 2,517 |
| Core capital (leverage) ratio | 10.0873% | 3,444 |
| Tier 1 risk-based capital ratio | 13.5719% | 4,628 |
| Total risk-based capital ratio | 14.8399% | 4,567 |
| Memoranda: | ||
| Average total assets | $115,550,500 | 4,378 |
| Average earning assets | $100,048,000 | 4,509 |
| Average equity | $13,303,500 | 4,180 |
| Average total loans | $77,180,000 | 4,022 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2833% | 3,024 |
| Cost of funding earning assets | 0.3850% | 4,802 |
| Net interest margin | 3.8983% | 2,292 |
| Noninterest income to average assets | 0.6584% | 2,765 |
| Noninterest expense to average assets | 3.2706% | 2,218 |
| Loan and lease loss provision to assets | -0.0720% | 6,437 |
| Net operating income to assets | 0.6189% | 4,171 |
| Return on assets (ROA) | 0.6431% | 4,167 |
| Pretax return on assets | 0.8527% | 3,950 |
| Return on Equity (ROE) | 5.4157% | 4,442 |
| Retained earnings to average equity (ytd only) | 5.4157% | 2,340 |
| Net charge-offs to loans | 1.0047% | 580 |
| Credit loss provision to net charge-offs | -10.3359% | 5,686 |
| Earnings coverage of net charge-offs (x) | 1.0749% | 4,721 |
| Efficiency ratio | 81.2892% | 1,980 |
| Assets per employee ($millions) | 3.7724% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1860% | 1,194 |
| Loan loss allowance to noncurrent loans | 74.4306% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 5.0631% | 462 |
| Noncurrent loans to loans | 2.9369% | 1,189 |
| Net loans and leases to total assets | 68.4807% | 2,265 |
| Net loans and leases to deposits | 79.0335% | 2,582 |
| Net loans and leases to core deposits | 80.0647% | 3,126 |
| Total domestic deposits to total assets | 86.6478% | 2,910 |
| Equity capital to assets | 11.8342% | 1,917 |
| Core capital (leverage) ratio | 10.6043% | 2,778 |
| Tier 1 risk-based capital ratio | 13.5362% | 4,628 |
| Total risk-based capital ratio | 14.8069% | 4,559 |
| Memoranda: | ||
| Average total assets | $111,172,600 | 4,473 |
| Average earning assets | $95,836,600 | 4,623 |
| Average equity | $13,202,400 | 4,223 |
| Average total loans | $77,034,800 | 4,023 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3031% | 2,982 |
| Cost of funding earning assets | 0.3935% | 4,875 |
| Net interest margin | 3.9097% | 2,236 |
| Noninterest income to average assets | 0.6662% | 2,796 |
| Noninterest expense to average assets | 3.2214% | 2,296 |
| Loan and lease loss provision to assets | -0.0964% | 6,626 |
| Net operating income to assets | 0.7155% | 3,782 |
| Return on assets (ROA) | 0.7493% | 3,728 |
| Pretax return on assets | 0.9602% | 3,647 |
| Return on Equity (ROE) | 6.3043% | 4,026 |
| Retained earnings to average equity (ytd only) | 6.3043% | 2,234 |
| Net charge-offs to loans | 1.3527% | 388 |
| Credit loss provision to net charge-offs | -10.3093% | 5,609 |
| Earnings coverage of net charge-offs (x) | 0.8776% | 4,560 |
| Efficiency ratio | 79.5827% | 2,164 |
| Assets per employee ($millions) | 3.8782% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3238% | 1,148 |
| Loan loss allowance to noncurrent loans | 68.3254% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 6.1580% | 378 |
| Noncurrent loans to loans | 3.4010% | 1,140 |
| Net loans and leases to total assets | 66.9657% | 2,464 |
| Net loans and leases to deposits | 77.6454% | 2,721 |
| Net loans and leases to core deposits | 78.7068% | 3,272 |
| Total domestic deposits to total assets | 86.2455% | 3,106 |
| Equity capital to assets | 12.2893% | 1,721 |
| Core capital (leverage) ratio | 10.7299% | 2,755 |
| Tier 1 risk-based capital ratio | 14.0157% | 4,421 |
| Total risk-based capital ratio | 15.2889% | 4,351 |
| Memoranda: | ||
| Average total assets | $110,672,750 | 4,524 |
| Average earning assets | $95,555,750 | 4,678 |
| Average equity | $13,154,750 | 4,279 |
| Average total loans | $76,485,250 | 4,075 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3380% | 2,798 |
| Cost of funding earning assets | 0.4002% | 4,943 |
| Net interest margin | 3.9378% | 2,082 |
| Noninterest income to average assets | 0.4526% | 4,145 |
| Noninterest expense to average assets | 3.1122% | 2,627 |
| Loan and lease loss provision to assets | -0.1437% | 6,746 |
| Net operating income to assets | 0.7291% | 3,675 |
| Return on assets (ROA) | 0.7291% | 3,840 |
| Pretax return on assets | 0.8943% | 3,930 |
| Return on Equity (ROE) | 6.2026% | 4,046 |
| Retained earnings to average equity (ytd only) | 6.2026% | 2,320 |
| Net charge-offs to loans | 0.7283% | 894 |
| Credit loss provision to net charge-offs | -28.4698% | 5,495 |
| Earnings coverage of net charge-offs (x) | 1.4875% | 4,037 |
| Efficiency ratio | 80.4277% | 2,096 |
| Assets per employee ($millions) | 3.8659% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0345% | 564 |
| Loan loss allowance to noncurrent loans | 73.2149% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 6.6017% | 369 |
| Noncurrent loans to loans | 4.1446% | 918 |
| Net loans and leases to total assets | 65.6834% | 2,643 |
| Net loans and leases to deposits | 75.6960% | 2,923 |
| Net loans and leases to core deposits | 76.7253% | 3,463 |
| Total domestic deposits to total assets | 86.7726% | 2,965 |
| Equity capital to assets | 12.2130% | 1,768 |
| Core capital (leverage) ratio | 10.2616% | 3,153 |
| Tier 1 risk-based capital ratio | 14.1920% | 4,300 |
| Total risk-based capital ratio | 15.4836% | 4,224 |
| Memoranda: | ||
| Average total assets | $111,367,000 | 4,550 |
| Average earning assets | $96,450,000 | 4,688 |
| Average equity | $13,091,330 | 4,328 |
| Average total loans | $77,164,330 | 4,065 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3649% | 2,643 |
| Cost of funding earning assets | 0.4035% | 5,070 |
| Net interest margin | 3.9614% | 1,913 |
| Noninterest income to average assets | 0.3294% | 5,066 |
| Noninterest expense to average assets | 3.0037% | 2,979 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7049% | 3,661 |
| Return on assets (ROA) | 0.7049% | 3,800 |
| Pretax return on assets | 0.7686% | 4,301 |
| Return on Equity (ROE) | 6.1104% | 3,981 |
| Retained earnings to average equity (ytd only) | 6.1104% | 2,619 |
| Net charge-offs to loans | 0.2580% | 1,927 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.2549% | 2,592 |
| Efficiency ratio | 79.5305% | 2,398 |
| Assets per employee ($millions) | 3.9954% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3659% | 470 |
| Loan loss allowance to noncurrent loans | 47.5431% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 7.3817% | 366 |
| Noncurrent loans to loans | 7.0796% | 410 |
| Net loans and leases to total assets | 65.0565% | 2,535 |
| Net loans and leases to deposits | 74.4972% | 2,856 |
| Net loans and leases to core deposits | 75.4807% | 3,390 |
| Total domestic deposits to total assets | 87.3275% | 2,736 |
| Equity capital to assets | 11.7295% | 2,232 |
| Core capital (leverage) ratio | 10.0637% | 3,308 |
| Tier 1 risk-based capital ratio | 14.0971% | 4,433 |
| Total risk-based capital ratio | 15.3719% | 4,369 |
| Memoranda: | ||
| Average total assets | $112,928,000 | 4,556 |
| Average earning assets | $98,146,000 | 4,683 |
| Average equity | $13,027,000 | 4,378 |
| Average total loans | $79,084,500 | 4,030 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1985% | 4,595 |
| Cost of funding earning assets | 0.5383% | 4,925 |
| Net interest margin | 3.6602% | 3,827 |
| Noninterest income to average assets | 0.6852% | 2,801 |
| Noninterest expense to average assets | 3.3965% | 2,057 |
| Loan and lease loss provision to assets | 0.1990% | 3,147 |
| Net operating income to assets | 0.1612% | 5,862 |
| Return on assets (ROA) | 0.2348% | 5,880 |
| Pretax return on assets | 0.3557% | 5,698 |
| Return on Equity (ROE) | 2.3998% | 5,793 |
| Retained earnings to average equity (ytd only) | 2.3998% | 4,546 |
| Net charge-offs to loans | 1.2365% | 807 |
| Credit loss provision to net charge-offs | 25.0000% | 5,201 |
| Earnings coverage of net charge-offs (x) | 0.5570% | 5,211 |
| Efficiency ratio | 88.2487% | 1,221 |
| Assets per employee ($millions) | 3.3525% | 5,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1212% | 591 |
| Loan loss allowance to noncurrent loans | 54.9628% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 6.7264% | 471 |
| Noncurrent loans to loans | 5.6787% | 634 |
| Net loans and leases to total assets | 70.4204% | 1,754 |
| Net loans and leases to deposits | 81.5450% | 2,063 |
| Net loans and leases to core deposits | 82.6100% | 2,706 |
| Total domestic deposits to total assets | 86.3577% | 3,172 |
| Equity capital to assets | 11.3455% | 2,587 |
| Core capital (leverage) ratio | 9.7931% | 3,669 |
| Tier 1 risk-based capital ratio | 12.3780% | 5,560 |
| Total risk-based capital ratio | 13.6496% | 5,492 |
| Memoranda: | ||
| Average total assets | $125,657,800 | 4,235 |
| Average earning assets | $108,300,400 | 4,387 |
| Average equity | $12,292,600 | 4,505 |
| Average total loans | $80,872,000 | 4,013 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1192% | 5,118 |
| Cost of funding earning assets | 0.5704% | 4,906 |
| Net interest margin | 3.5488% | 4,445 |
| Noninterest income to average assets | 0.7985% | 2,251 |
| Noninterest expense to average assets | 3.3930% | 2,019 |
| Loan and lease loss provision to assets | 0.2592% | 2,498 |
| Net operating income to assets | 0.1535% | 6,027 |
| Return on assets (ROA) | 0.2624% | 5,932 |
| Pretax return on assets | 0.3495% | 5,841 |
| Return on Equity (ROE) | 2.7802% | 5,761 |
| Retained earnings to average equity (ytd only) | 2.7802% | 4,883 |
| Net charge-offs to loans | 1.6754% | 493 |
| Credit loss provision to net charge-offs | 24.7525% | 4,888 |
| Earnings coverage of net charge-offs (x) | 0.4426% | 5,098 |
| Efficiency ratio | 87.7386% | 1,223 |
| Assets per employee ($millions) | 2.8556% | 6,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2466% | 578 |
| Loan loss allowance to noncurrent loans | 53.7787% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 7.2416% | 484 |
| Noncurrent loans to loans | 6.0370% | 673 |
| Net loans and leases to total assets | 70.7461% | 1,771 |
| Net loans and leases to deposits | 81.1784% | 2,226 |
| Net loans and leases to core deposits | 82.2826% | 2,929 |
| Total domestic deposits to total assets | 87.1489% | 2,586 |
| Equity capital to assets | 11.8761% | 2,372 |
| Core capital (leverage) ratio | 10.0418% | 3,489 |
| Tier 1 risk-based capital ratio | 12.8772% | 5,349 |
| Total risk-based capital ratio | 14.1497% | 5,292 |
| Memoranda: | ||
| Average total assets | $128,576,250 | 4,223 |
| Average earning assets | $110,796,750 | 4,369 |
| Average equity | $12,132,750 | 4,580 |
| Average total loans | $80,376,500 | 4,068 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9999% | 5,633 |
| Cost of funding earning assets | 0.6114% | 4,797 |
| Net interest margin | 3.3885% | 5,123 |
| Noninterest income to average assets | 0.9359% | 1,658 |
| Noninterest expense to average assets | 3.3386% | 2,186 |
| Loan and lease loss provision to assets | 0.3696% | 1,774 |
| Net operating income to assets | 0.1082% | 6,136 |
| Return on assets (ROA) | 0.2469% | 5,964 |
| Pretax return on assets | 0.3682% | 5,785 |
| Return on Equity (ROE) | 2.8111% | 5,759 |
| Retained earnings to average equity (ytd only) | 2.8111% | 4,755 |
| Net charge-offs to loans | 2.2819% | 322 |
| Credit loss provision to net charge-offs | 27.1444% | 4,483 |
| Earnings coverage of net charge-offs (x) | 0.3898% | 4,883 |
| Efficiency ratio | 86.0145% | 1,434 |
| Assets per employee ($millions) | 2.5971% | 6,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4833% | 501 |
| Loan loss allowance to noncurrent loans | 52.8665% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 7.8037% | 448 |
| Noncurrent loans to loans | 6.5889% | 628 |
| Net loans and leases to total assets | 67.6971% | 2,326 |
| Net loans and leases to deposits | 77.5155% | 2,749 |
| Net loans and leases to core deposits | 78.8716% | 3,381 |
| Total domestic deposits to total assets | 87.3337% | 2,577 |
| Equity capital to assets | 11.7046% | 2,410 |
| Core capital (leverage) ratio | 7.8599% | 6,403 |
| Tier 1 risk-based capital ratio | 13.1743% | 5,059 |
| Total risk-based capital ratio | 14.4531% | 5,011 |
| Memoranda: | ||
| Average total assets | $135,264,330 | 4,090 |
| Average earning assets | $117,103,670 | 4,237 |
| Average equity | $11,881,330 | 4,631 |
| Average total loans | $80,720,670 | 4,086 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6999% | 6,440 |
| Cost of funding earning assets | 0.6151% | 5,008 |
| Net interest margin | 3.0848% | 6,100 |
| Noninterest income to average assets | 0.4961% | 3,934 |
| Noninterest expense to average assets | 3.0683% | 3,029 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0479% | 6,335 |
| Return on assets (ROA) | 0.1186% | 6,327 |
| Pretax return on assets | 0.2292% | 6,135 |
| Return on Equity (ROE) | 1.5387% | 6,214 |
| Retained earnings to average equity (ytd only) | 1.5387% | 5,472 |
| Net charge-offs to loans | 0.4105% | 2,072 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.5176% | 4,081 |
| Efficiency ratio | 95.9391% | 723 |
| Assets per employee ($millions) | 3.2976% | 5,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1021% | 343 |
| Loan loss allowance to noncurrent loans | 73.2702% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 5.3009% | 956 |
| Noncurrent loans to loans | 5.5986% | 945 |
| Net loans and leases to total assets | 51.2167% | 5,118 |
| Net loans and leases to deposits | 55.9172% | 5,611 |
| Net loans and leases to core deposits | 56.8143% | 5,835 |
| Total domestic deposits to total assets | 91.5938% | 351 |
| Equity capital to assets | 7.7451% | 6,663 |
| Core capital (leverage) ratio | 5.9788% | 7,042 |
| Tier 1 risk-based capital ratio | 10.5348% | 6,725 |
| Total risk-based capital ratio | 11.7685% | 6,722 |
| Memoranda: | ||
| Average total assets | $148,358,000 | 3,903 |
| Average earning assets | $129,409,000 | 3,999 |
| Average equity | $11,438,500 | 4,743 |
| Average total loans | $82,827,500 | 4,047 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4662% | 5,195 |
| Cost of funding earning assets | 0.8037% | 4,840 |
| Net interest margin | 3.6625% | 4,464 |
| Noninterest income to average assets | -0.2377% | 7,176 |
| Noninterest expense to average assets | 3.3313% | 2,416 |
| Loan and lease loss provision to assets | 1.3511% | 592 |
| Net operating income to assets | -1.0894% | 6,781 |
| Return on assets (ROA) | -0.8065% | 6,691 |
| Pretax return on assets | -1.3206% | 6,849 |
| Return on Equity (ROE) | -9.6302% | 6,728 |
| Retained earnings to average equity (ytd only) | -9.6302% | 6,687 |
| Net charge-offs to loans | 1.0562% | 1,639 |
| Credit loss provision to net charge-offs | 198.9796% | 1,267 |
| Earnings coverage of net charge-offs (x) | -0.6061% | 6,113 |
| Efficiency ratio | 113.7162% | 371 |
| Assets per employee ($millions) | 3.2245% | 5,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8610% | 417 |
| Loan loss allowance to noncurrent loans | 74.6476% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 5.4536% | 942 |
| Noncurrent loans to loans | 5.1723% | 1,068 |
| Net loans and leases to total assets | 56.0034% | 4,708 |
| Net loans and leases to deposits | 61.1506% | 5,352 |
| Net loans and leases to core deposits | 62.3645% | 5,617 |
| Total domestic deposits to total assets | 91.5827% | 310 |
| Equity capital to assets | 7.6750% | 6,736 |
| Core capital (leverage) ratio | 6.1786% | 7,037 |
| Tier 1 risk-based capital ratio | 9.6704% | 6,921 |
| Total risk-based capital ratio | 10.9508% | 6,914 |
| Memoranda: | ||
| Average total assets | $144,328,400 | 3,905 |
| Average earning assets | $124,422,800 | 4,054 |
| Average equity | $12,087,000 | 4,532 |
| Average total loans | $92,789,800 | 3,793 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5728% | 4,992 |
| Cost of funding earning assets | 0.8457% | 4,802 |
| Net interest margin | 3.7271% | 4,215 |
| Noninterest income to average assets | -0.3395% | 7,310 |
| Noninterest expense to average assets | 3.3749% | 2,265 |
| Loan and lease loss provision to assets | 1.4465% | 489 |
| Net operating income to assets | -1.1830% | 6,952 |
| Return on assets (ROA) | -0.8037% | 6,836 |
| Pretax return on assets | -1.3665% | 6,984 |
| Return on Equity (ROE) | -9.3941% | 6,876 |
| Retained earnings to average equity (ytd only) | -9.3941% | 6,837 |
| Net charge-offs to loans | 0.7134% | 2,128 |
| Credit loss provision to net charge-offs | 307.9208% | 924 |
| Earnings coverage of net charge-offs (x) | -1.0911% | 5,942 |
| Efficiency ratio | 117.5171% | 333 |
| Assets per employee ($millions) | 3.0161% | 6,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8456% | 441 |
| Loan loss allowance to noncurrent loans | 58.5332% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 9.1393% | 428 |
| Noncurrent loans to loans | 6.5700% | 797 |
| Net loans and leases to total assets | 61.5622% | 3,826 |
| Net loans and leases to deposits | 67.7615% | 4,653 |
| Net loans and leases to core deposits | 69.0711% | 5,057 |
| Total domestic deposits to total assets | 90.8513% | 491 |
| Equity capital to assets | 8.4128% | 6,383 |
| Core capital (leverage) ratio | 6.7238% | 7,028 |
| Tier 1 risk-based capital ratio | 9.7150% | 7,023 |
| Total risk-based capital ratio | 10.9942% | 7,012 |
| Memoranda: | ||
| Average total assets | $143,329,250 | 3,940 |
| Average earning assets | $123,131,500 | 4,094 |
| Average equity | $12,262,750 | 4,496 |
| Average total loans | $94,386,500 | 3,790 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6034% | 4,947 |
| Cost of funding earning assets | 0.8707% | 4,895 |
| Net interest margin | 3.7326% | 4,106 |
| Noninterest income to average assets | -0.6061% | 7,438 |
| Noninterest expense to average assets | 3.3246% | 2,480 |
| Loan and lease loss provision to assets | 2.1469% | 275 |
| Net operating income to assets | -1.8152% | 7,165 |
| Return on assets (ROA) | -1.3972% | 7,079 |
| Pretax return on assets | -2.2049% | 7,203 |
| Return on Equity (ROE) | -16.2444% | 7,093 |
| Retained earnings to average equity (ytd only) | -16.2444% | 7,070 |
| Net charge-offs to loans | 0.7627% | 1,976 |
| Credit loss provision to net charge-offs | 423.7057% | 711 |
| Earnings coverage of net charge-offs (x) | -1.4033% | 5,675 |
| Efficiency ratio | 126.7829% | 282 |
| Assets per employee ($millions) | 3.0353% | 6,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0138% | 414 |
| Loan loss allowance to noncurrent loans | 54.9899% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 10.1473% | 380 |
| Noncurrent loans to loans | 7.2992% | 682 |
| Net loans and leases to total assets | 59.5756% | 4,356 |
| Net loans and leases to deposits | 65.4106% | 5,087 |
| Net loans and leases to core deposits | 66.5065% | 5,446 |
| Total domestic deposits to total assets | 91.0794% | 472 |
| Equity capital to assets | 8.1320% | 6,567 |
| Core capital (leverage) ratio | 6.1605% | 7,174 |
| Tier 1 risk-based capital ratio | 9.1925% | 7,154 |
| Total risk-based capital ratio | 10.4719% | 7,148 |
| Memoranda: | ||
| Average total assets | $144,858,670 | 3,936 |
| Average earning assets | $124,952,000 | 4,093 |
| Average equity | $12,459,670 | 4,439 |
| Average total loans | $96,239,330 | 3,789 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7391% | 4,334 |
| Cost of funding earning assets | 0.9075% | 4,865 |
| Net interest margin | 3.8316% | 3,459 |
| Noninterest income to average assets | 0.4933% | 3,942 |
| Noninterest expense to average assets | 3.2311% | 2,774 |
| Loan and lease loss provision to assets | 0.1370% | 4,297 |
| Net operating income to assets | 0.1836% | 5,839 |
| Return on assets (ROA) | 0.1836% | 5,895 |
| Pretax return on assets | 0.4577% | 5,159 |
| Return on Equity (ROE) | 2.0793% | 5,760 |
| Retained earnings to average equity (ytd only) | 2.0793% | 4,894 |
| Net charge-offs to loans | 1.0671% | 1,285 |
| Credit loss provision to net charge-offs | 18.7266% | 4,265 |
| Earnings coverage of net charge-offs (x) | 0.8127% | 4,033 |
| Efficiency ratio | 84.2407% | 1,926 |
| Assets per employee ($millions) | 3.1630% | 5,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1990% | 1,967 |
| Loan loss allowance to noncurrent loans | 23.8592% | 6,614 |
| Noncurrent assets plus other real estate owned to assets | 10.0942% | 410 |
| Noncurrent loans to loans | 9.2165% | 471 |
| Net loans and leases to total assets | 65.6893% | 3,095 |
| Net loans and leases to deposits | 72.9030% | 3,938 |
| Net loans and leases to core deposits | 76.4961% | 4,236 |
| Total domestic deposits to total assets | 90.1052% | 1,092 |
| Equity capital to assets | 8.8832% | 5,377 |
| Core capital (leverage) ratio | 7.4143% | 6,777 |
| Tier 1 risk-based capital ratio | 10.0804% | 6,977 |
| Total risk-based capital ratio | 11.3404% | 6,974 |
| Memoranda: | ||
| Average total assets | $145,958,500 | 3,956 |
| Average earning assets | $126,944,000 | 4,086 |
| Average equity | $12,889,000 | 4,366 |
| Average total loans | $100,087,000 | 3,715 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1524% | 3,836 |
| Cost of funding earning assets | 1.1930% | 4,605 |
| Net interest margin | 3.9594% | 3,217 |
| Noninterest income to average assets | -0.0299% | 7,335 |
| Noninterest expense to average assets | 3.3488% | 2,586 |
| Loan and lease loss provision to assets | 2.1417% | 591 |
| Net operating income to assets | -1.2374% | 6,799 |
| Return on assets (ROA) | -1.2369% | 6,822 |
| Pretax return on assets | -2.0813% | 7,048 |
| Return on Equity (ROE) | -13.9487% | 6,878 |
| Retained earnings to average equity (ytd only) | -13.9487% | 6,836 |
| Net charge-offs to loans | 2.6318% | 691 |
| Credit loss provision to net charge-offs | 113.1136% | 3,850 |
| Earnings coverage of net charge-offs (x) | 0.0316% | 6,089 |
| Efficiency ratio | 98.0359% | 867 |
| Assets per employee ($millions) | 3.1153% | 5,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3095% | 1,679 |
| Loan loss allowance to noncurrent loans | 24.0741% | 6,645 |
| Noncurrent assets plus other real estate owned to assets | 10.3608% | 384 |
| Noncurrent loans to loans | 9.5933% | 453 |
| Net loans and leases to total assets | 68.3534% | 2,894 |
| Net loans and leases to deposits | 75.8000% | 3,874 |
| Net loans and leases to core deposits | 79.9855% | 4,222 |
| Total domestic deposits to total assets | 90.1760% | 1,004 |
| Equity capital to assets | 8.7784% | 5,471 |
| Core capital (leverage) ratio | 7.2571% | 6,873 |
| Tier 1 risk-based capital ratio | 9.5399% | 7,129 |
| Total risk-based capital ratio | 10.8000% | 7,133 |
| Memoranda: | ||
| Average total assets | $153,846,400 | 3,807 |
| Average earning assets | $133,607,400 | 3,938 |
| Average equity | $13,642,800 | 4,226 |
| Average total loans | $110,684,200 | 3,528 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2012% | 3,825 |
| Cost of funding earning assets | 1.2211% | 4,734 |
| Net interest margin | 3.9801% | 3,185 |
| Noninterest income to average assets | -0.0591% | 7,506 |
| Noninterest expense to average assets | 3.2651% | 2,690 |
| Loan and lease loss provision to assets | 2.5047% | 418 |
| Net operating income to assets | -1.6378% | 7,142 |
| Return on assets (ROA) | -1.6373% | 7,154 |
| Pretax return on assets | -2.3728% | 7,289 |
| Return on Equity (ROE) | -18.4192% | 7,188 |
| Retained earnings to average equity (ytd only) | -18.4192% | 7,168 |
| Net charge-offs to loans | 1.9749% | 962 |
| Credit loss provision to net charge-offs | 175.1497% | 2,104 |
| Earnings coverage of net charge-offs (x) | 0.0916% | 5,936 |
| Efficiency ratio | 95.9405% | 903 |
| Assets per employee ($millions) | 2.9025% | 6,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9894% | 829 |
| Loan loss allowance to noncurrent loans | 38.7487% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 9.6582% | 434 |
| Noncurrent loans to loans | 7.7150% | 691 |
| Net loans and leases to total assets | 71.0052% | 2,488 |
| Net loans and leases to deposits | 83.0770% | 2,892 |
| Net loans and leases to core deposits | 87.6888% | 3,415 |
| Total domestic deposits to total assets | 85.4692% | 3,368 |
| Equity capital to assets | 8.7766% | 5,893 |
| Core capital (leverage) ratio | 7.6107% | 6,757 |
| Tier 1 risk-based capital ratio | 9.5034% | 7,256 |
| Total risk-based capital ratio | 10.7710% | 7,247 |
| Memoranda: | ||
| Average total assets | $155,703,750 | 3,833 |
| Average earning assets | $135,170,500 | 3,966 |
| Average equity | $13,840,250 | 4,239 |
| Average total loans | $112,743,500 | 3,536 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2081% | 3,913 |
| Cost of funding earning assets | 1.2496% | 4,831 |
| Net interest margin | 3.9585% | 3,214 |
| Noninterest income to average assets | -0.0253% | 7,568 |
| Noninterest expense to average assets | 3.3186% | 2,505 |
| Loan and lease loss provision to assets | 3.3173% | 280 |
| Net operating income to assets | -1.9154% | 7,283 |
| Return on assets (ROA) | -1.9146% | 7,292 |
| Pretax return on assets | -3.2250% | 7,505 |
| Return on Equity (ROE) | -21.4544% | 7,307 |
| Retained earnings to average equity (ytd only) | -21.4544% | 7,291 |
| Net charge-offs to loans | 2.1820% | 820 |
| Credit loss provision to net charge-offs | 210.6742% | 1,846 |
| Earnings coverage of net charge-offs (x) | 0.0578% | 5,662 |
| Efficiency ratio | 97.1090% | 912 |
| Assets per employee ($millions) | 3.3622% | 5,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0388% | 795 |
| Loan loss allowance to noncurrent loans | 42.5319% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 8.0403% | 608 |
| Noncurrent loans to loans | 7.1448% | 780 |
| Net loans and leases to total assets | 69.3817% | 3,042 |
| Net loans and leases to deposits | 80.7229% | 3,479 |
| Net loans and leases to core deposits | 89.5372% | 3,337 |
| Total domestic deposits to total assets | 85.9504% | 3,121 |
| Equity capital to assets | 8.6442% | 5,951 |
| Core capital (leverage) ratio | 7.5345% | 6,799 |
| Tier 1 risk-based capital ratio | 9.5587% | 7,237 |
| Total risk-based capital ratio | 10.8168% | 7,237 |
| Memoranda: | ||
| Average total assets | $158,261,670 | 3,826 |
| Average earning assets | $137,325,000 | 3,947 |
| Average equity | $14,123,000 | 4,173 |
| Average total loans | $114,208,670 | 3,530 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3363% | 3,362 |
| Cost of funding earning assets | 1.3376% | 4,578 |
| Net interest margin | 3.9987% | 2,879 |
| Noninterest income to average assets | 0.5223% | 3,873 |
| Noninterest expense to average assets | 3.0338% | 3,548 |
| Loan and lease loss provision to assets | 0.3449% | 3,311 |
| Net operating income to assets | 0.4332% | 4,697 |
| Return on assets (ROA) | 0.4348% | 4,820 |
| Pretax return on assets | 0.6647% | 4,358 |
| Return on Equity (ROE) | 4.8000% | 4,474 |
| Retained earnings to average equity (ytd only) | 4.8000% | 3,269 |
| Net charge-offs to loans | 1.9141% | 902 |
| Credit loss provision to net charge-offs | 24.8649% | 4,891 |
| Earnings coverage of net charge-offs (x) | 0.7261% | 4,376 |
| Efficiency ratio | 74.8918% | 3,426 |
| Assets per employee ($millions) | 3.4224% | 5,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3847% | 4,493 |
| Loan loss allowance to noncurrent loans | 26.2523% | 6,653 |
| Noncurrent assets plus other real estate owned to assets | 6.0230% | 994 |
| Noncurrent loans to loans | 5.2747% | 1,342 |
| Net loans and leases to total assets | 70.8855% | 2,723 |
| Net loans and leases to deposits | 82.8397% | 3,134 |
| Net loans and leases to core deposits | 92.1245% | 3,091 |
| Total domestic deposits to total assets | 85.5695% | 3,378 |
| Equity capital to assets | 9.2708% | 4,880 |
| Core capital (leverage) ratio | 8.6761% | 5,057 |
| Tier 1 risk-based capital ratio | 10.9836% | 6,174 |
| Total risk-based capital ratio | 12.2346% | 6,139 |
| Memoranda: | ||
| Average total assets | $160,063,000 | 3,843 |
| Average earning assets | $140,846,500 | 3,942 |
| Average equity | $14,500,000 | 4,124 |
| Average total loans | $115,979,000 | 3,542 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6640% | 3,281 |
| Cost of funding earning assets | 1.5844% | 5,105 |
| Net interest margin | 4.0796% | 2,533 |
| Noninterest income to average assets | 0.4319% | 4,941 |
| Noninterest expense to average assets | 3.0933% | 3,771 |
| Loan and lease loss provision to assets | 1.2583% | 1,835 |
| Net operating income to assets | -0.1442% | 5,755 |
| Return on assets (ROA) | -0.1442% | 5,752 |
| Pretax return on assets | -0.2744% | 5,808 |
| Return on Equity (ROE) | -1.5990% | 5,793 |
| Retained earnings to average equity (ytd only) | -5.3861% | 6,070 |
| Net charge-offs to loans | 0.5446% | 3,610 |
| Credit loss provision to net charge-offs | 301.0590% | 1,098 |
| Earnings coverage of net charge-offs (x) | 2.3540% | 3,963 |
| Efficiency ratio | 75.6979% | 3,575 |
| Assets per employee ($millions) | 3.3895% | 5,285 |
| Cash dividends to net income (ytd only)* | -236.8421% | 7,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6701% | 3,004 |
| Loan loss allowance to noncurrent loans | 35.7349% | 6,055 |
| Noncurrent assets plus other real estate owned to assets | 5.8920% | 961 |
| Noncurrent loans to loans | 4.6736% | 1,505 |
| Net loans and leases to total assets | 71.7977% | 2,807 |
| Net loans and leases to deposits | 83.4986% | 3,359 |
| Net loans and leases to core deposits | 101.8342% | 3,818 |
| Total domestic deposits to total assets | 85.9867% | 3,026 |
| Equity capital to assets | 8.8539% | 5,351 |
| Core capital (leverage) ratio | 8.4717% | 5,319 |
| Tier 1 risk-based capital ratio | 10.3128% | 6,577 |
| Total risk-based capital ratio | 11.5630% | 6,548 |
| Memoranda: | ||
| Average total assets | $158,148,200 | 3,807 |
| Average earning assets | $141,313,200 | 3,868 |
| Average equity | $14,258,800 | 4,199 |
| Average total loans | $121,383,800 | 3,455 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7559% | 3,081 |
| Cost of funding earning assets | 1.6572% | 5,123 |
| Net interest margin | 4.0986% | 2,405 |
| Noninterest income to average assets | 0.7040% | 2,992 |
| Noninterest expense to average assets | 3.0468% | 3,852 |
| Loan and lease loss provision to assets | 1.1702% | 1,658 |
| Net operating income to assets | 0.0917% | 5,488 |
| Return on assets (ROA) | 0.0917% | 5,542 |
| Pretax return on assets | 0.1664% | 5,369 |
| Return on Equity (ROE) | 1.0125% | 5,491 |
| Retained earnings to average equity (ytd only) | -4.0499% | 6,117 |
| Net charge-offs to loans | 0.3048% | 4,126 |
| Credit loss provision to net charge-offs | 493.9068% | 801 |
| Earnings coverage of net charge-offs (x) | 5.6416% | 2,761 |
| Efficiency ratio | 69.3530% | 4,719 |
| Assets per employee ($millions) | 3.2828% | 5,445 |
| Cash dividends to net income (ytd only)* | 499.9861% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 3,825 |
| Loan loss allowance to noncurrent loans | 36.5874% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 4.7108% | 1,269 |
| Noncurrent loans to loans | 3.8870% | 1,901 |
| Net loans and leases to total assets | 77.1575% | 1,753 |
| Net loans and leases to deposits | 92.9774% | 2,065 |
| Net loans and leases to core deposits | 114.8009% | 2,751 |
| Total domestic deposits to total assets | 82.9852% | 4,228 |
| Equity capital to assets | 8.9215% | 5,606 |
| Core capital (leverage) ratio | 8.2664% | 5,889 |
| Tier 1 risk-based capital ratio | 9.8051% | 7,135 |
| Total risk-based capital ratio | 11.0556% | 7,099 |
| Memoranda: | ||
| Average total assets | $157,011,250 | 3,857 |
| Average earning assets | $140,954,500 | 3,910 |
| Average equity | $14,222,250 | 4,237 |
| Average total loans | $122,030,750 | 3,473 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8138% | 2,984 |
| Cost of funding earning assets | 1.6727% | 5,402 |
| Net interest margin | 4.1412% | 2,191 |
| Noninterest income to average assets | 0.4693% | 4,715 |
| Noninterest expense to average assets | 3.2776% | 3,060 |
| Loan and lease loss provision to assets | 0.3188% | 4,036 |
| Net operating income to assets | 0.3724% | 4,610 |
| Return on assets (ROA) | 0.3724% | 4,710 |
| Pretax return on assets | 0.5892% | 4,350 |
| Return on Equity (ROE) | 4.0905% | 4,459 |
| Retained earnings to average equity (ytd only) | -3.4741% | 6,042 |
| Net charge-offs to loans | 0.0921% | 5,263 |
| Credit loss provision to net charge-offs | 446.4286% | 1,045 |
| Earnings coverage of net charge-offs (x) | 12.7143% | 1,795 |
| Efficiency ratio | 78.1536% | 3,323 |
| Assets per employee ($millions) | 3.3474% | 5,198 |
| Cash dividends to net income (ytd only)* | 184.9315% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6959% | 7,434 |
| Loan loss allowance to noncurrent loans | 19.8041% | 7,139 |
| Noncurrent assets plus other real estate owned to assets | 4.4583% | 1,261 |
| Noncurrent loans to loans | 3.5138% | 1,994 |
| Net loans and leases to total assets | 77.0102% | 1,947 |
| Net loans and leases to deposits | 92.0338% | 2,467 |
| Net loans and leases to core deposits | 110.6628% | 3,313 |
| Total domestic deposits to total assets | 83.6759% | 3,928 |
| Equity capital to assets | 8.9928% | 5,330 |
| Core capital (leverage) ratio | 8.5322% | 5,385 |
| Tier 1 risk-based capital ratio | 10.0033% | 6,921 |
| Total risk-based capital ratio | 10.6419% | 7,449 |
| Memoranda: | ||
| Average total assets | $156,823,330 | 3,880 |
| Average earning assets | $140,733,670 | 3,931 |
| Average equity | $14,277,000 | 4,248 |
| Average total loans | $121,596,000 | 3,500 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9573% | 2,538 |
| Cost of funding earning assets | 1.7900% | 5,163 |
| Net interest margin | 4.1673% | 2,025 |
| Noninterest income to average assets | 0.4445% | 4,838 |
| Noninterest expense to average assets | 3.2854% | 2,703 |
| Loan and lease loss provision to assets | 0.1916% | 4,519 |
| Net operating income to assets | 0.3985% | 4,867 |
| Return on assets (ROA) | 0.3985% | 5,044 |
| Pretax return on assets | 0.7026% | 4,429 |
| Return on Equity (ROE) | 4.3510% | 4,774 |
| Retained earnings to average equity (ytd only) | -10.7102% | 7,176 |
| Net charge-offs to loans | 0.0725% | 4,466 |
| Credit loss provision to net charge-offs | 340.9091% | 1,469 |
| Earnings coverage of net charge-offs (x) | 15.9091% | 1,580 |
| Efficiency ratio | 78.4230% | 3,101 |
| Assets per employee ($millions) | 3.2108% | 5,569 |
| Cash dividends to net income (ytd only)* | 346.1538% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5890% | 7,675 |
| Loan loss allowance to noncurrent loans | 46.3351% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 2.7609% | 2,051 |
| Noncurrent loans to loans | 1.2711% | 4,443 |
| Net loans and leases to total assets | 77.5412% | 1,924 |
| Net loans and leases to deposits | 91.8789% | 2,621 |
| Net loans and leases to core deposits | 108.0711% | 3,668 |
| Total domestic deposits to total assets | 84.3951% | 3,515 |
| Equity capital to assets | 9.1527% | 5,147 |
| Core capital (leverage) ratio | 8.4464% | 5,634 |
| Tier 1 risk-based capital ratio | 9.9836% | 6,944 |
| Total risk-based capital ratio | 10.5207% | 7,591 |
| Memoranda: | ||
| Average total assets | $156,572,000 | 3,890 |
| Average earning assets | $140,332,000 | 3,947 |
| Average equity | $14,341,500 | 4,259 |
| Average total loans | $121,391,000 | 3,526 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5580% | 2,678 |
| Cost of funding earning assets | 2.3805% | 4,812 |
| Net interest margin | 4.1775% | 2,398 |
| Noninterest income to average assets | 0.7213% | 2,976 |
| Noninterest expense to average assets | 3.3414% | 2,835 |
| Loan and lease loss provision to assets | 0.3047% | 3,937 |
| Net operating income to assets | 0.5471% | 4,540 |
| Return on assets (ROA) | 0.5471% | 4,394 |
| Pretax return on assets | 0.8616% | 3,847 |
| Return on Equity (ROE) | 5.9607% | 3,958 |
| Retained earnings to average equity (ytd only) | 2.1059% | 3,924 |
| Net charge-offs to loans | 0.4378% | 2,639 |
| Credit loss provision to net charge-offs | 90.2913% | 5,679 |
| Earnings coverage of net charge-offs (x) | 3.4563% | 4,359 |
| Efficiency ratio | 73.9680% | 3,578 |
| Assets per employee ($millions) | 3.2454% | 5,347 |
| Cash dividends to net income (ytd only)* | 64.6707% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5344% | 7,796 |
| Loan loss allowance to noncurrent loans | 18.2910% | 7,305 |
| Noncurrent assets plus other real estate owned to assets | 3.1020% | 1,478 |
| Noncurrent loans to loans | 2.9216% | 1,841 |
| Net loans and leases to total assets | 76.6629% | 2,457 |
| Net loans and leases to deposits | 91.5222% | 3,214 |
| Net loans and leases to core deposits | 107.4094% | 4,030 |
| Total domestic deposits to total assets | 83.7643% | 3,449 |
| Equity capital to assets | 9.1664% | 5,133 |
| Core capital (leverage) ratio | 8.7196% | 5,163 |
| Tier 1 risk-based capital ratio | 10.1756% | 6,544 |
| Total risk-based capital ratio | 10.6678% | 7,309 |
| Memoranda: | ||
| Average total assets | $152,631,800 | 3,859 |
| Average earning assets | $138,334,800 | 3,882 |
| Average equity | $14,008,400 | 4,339 |
| Average total loans | $117,620,400 | 3,516 |