Home > Clover Community Bank > Performance and Condition Ratios
Clover Community Bank, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6776% | 1,908 |
| Cost of funding earning assets | 0.1479% | 5,176 |
| Net interest margin | 4.5297% | 723 |
| Noninterest income to average assets | 0.9977% | 944 |
| Noninterest expense to average assets | 4.0692% | 488 |
| Loan and lease loss provision to assets | 0.0932% | 2,291 |
| Net operating income to assets | 0.8339% | 3,682 |
| Return on assets (ROA) | 0.8339% | 3,677 |
| Pretax return on assets | 0.9736% | 3,691 |
| Return on Equity (ROE) | 8.0512% | 3,413 |
| Retained earnings to average equity (ytd only) | 1.1095% | 4,675 |
| Net charge-offs to loans | 0.0290% | 2,822 |
| Credit loss provision to net charge-offs | 600.0000% | 575 |
| Earnings coverage of net charge-offs (x) | 68.7000% | 946 |
| Efficiency ratio | 79.2290% | 1,019 |
| Assets per employee ($millions) | 5.2695% | 2,180 |
| Cash dividends to net income (ytd only)* | 86.2197% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1886% | 337 |
| Loan loss allowance to noncurrent loans | 62.2108% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 2.6046% | 277 |
| Noncurrent loans to loans | 3.5181% | 251 |
| Net loans and leases to total assets | 51.3098% | 4,439 |
| Net loans and leases to deposits | 58.0135% | 4,576 |
| Net loans and leases to core deposits | 59.1612% | 4,665 |
| Total domestic deposits to total assets | 88.4446% | 1,099 |
| Equity capital to assets | 10.5148% | 3,168 |
| Core capital (leverage) ratio | 9.9867% | 3,591 |
| Tier 1 risk-based capital ratio | 16.0679% | 2,383 |
| Total risk-based capital ratio | 17.3254% | 2,322 |
| Memoranda: | ||
| Average total assets | $128,795,600 | 3,663 |
| Average earning assets | $117,668,000 | 3,682 |
| Average equity | $13,339,600 | 3,836 |
| Average total loans | $69,058,600 | 3,890 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3802% | 2,692 |
| Cost of funding earning assets | 0.1422% | 5,242 |
| Net interest margin | 4.2379% | 1,265 |
| Noninterest income to average assets | 1.0120% | 939 |
| Noninterest expense to average assets | 3.6451% | 801 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0336% | 2,950 |
| Return on assets (ROA) | 1.0336% | 2,959 |
| Pretax return on assets | 1.2356% | 2,868 |
| Return on Equity (ROE) | 10.0172% | 2,617 |
| Retained earnings to average equity (ytd only) | 6.5117% | 2,378 |
| Net charge-offs to loans | 0.0382% | 2,316 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 59.9411% | 1,064 |
| Efficiency ratio | 74.6833% | 1,497 |
| Assets per employee ($millions) | 4.8061% | 2,713 |
| Cash dividends to net income (ytd only)* | 34.9951% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9378% | 548 |
| Loan loss allowance to noncurrent loans | 56.7533% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 2.5484% | 334 |
| Noncurrent loans to loans | 3.4145% | 289 |
| Net loans and leases to total assets | 51.9435% | 4,487 |
| Net loans and leases to deposits | 58.6054% | 4,614 |
| Net loans and leases to core deposits | 59.4170% | 4,725 |
| Total domestic deposits to total assets | 88.6326% | 988 |
| Equity capital to assets | 10.2985% | 3,335 |
| Core capital (leverage) ratio | 10.2643% | 3,340 |
| Tier 1 risk-based capital ratio | 15.9788% | 2,460 |
| Total risk-based capital ratio | 17.2340% | 2,391 |
| Memoranda: | ||
| Average total assets | $129,377,250 | 3,689 |
| Average earning assets | $118,105,000 | 3,716 |
| Average equity | $13,350,000 | 3,870 |
| Average total loans | $69,737,500 | 3,912 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3568% | 2,556 |
| Cost of funding earning assets | 0.1424% | 5,274 |
| Net interest margin | 4.2144% | 1,249 |
| Noninterest income to average assets | 1.0693% | 841 |
| Noninterest expense to average assets | 3.7200% | 736 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9981% | 3,030 |
| Return on assets (ROA) | 0.9981% | 3,032 |
| Pretax return on assets | 1.1962% | 2,957 |
| Return on Equity (ROE) | 9.6663% | 2,731 |
| Retained earnings to average equity (ytd only) | 4.4060% | 3,398 |
| Net charge-offs to loans | 0.0542% | 1,827 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 40.6842% | 1,275 |
| Efficiency ratio | 75.6689% | 1,472 |
| Assets per employee ($millions) | 4.3217% | 3,399 |
| Cash dividends to net income (ytd only)* | 54.4186% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9407% | 576 |
| Loan loss allowance to noncurrent loans | 56.0791% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 2.5738% | 331 |
| Noncurrent loans to loans | 3.4607% | 286 |
| Net loans and leases to total assets | 51.9483% | 4,483 |
| Net loans and leases to deposits | 58.5593% | 4,608 |
| Net loans and leases to core deposits | 59.5224% | 4,727 |
| Total domestic deposits to total assets | 88.7105% | 1,053 |
| Equity capital to assets | 10.2258% | 3,419 |
| Core capital (leverage) ratio | 10.1266% | 3,450 |
| Tier 1 risk-based capital ratio | 15.5522% | 2,617 |
| Total risk-based capital ratio | 16.8078% | 2,550 |
| Memoranda: | ||
| Average total assets | $129,247,670 | 3,716 |
| Average earning assets | $117,975,670 | 3,747 |
| Average equity | $13,345,330 | 3,891 |
| Average total loans | $70,071,000 | 3,934 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3575% | 2,329 |
| Cost of funding earning assets | 0.1360% | 5,335 |
| Net interest margin | 4.2215% | 1,125 |
| Noninterest income to average assets | 0.9454% | 1,032 |
| Noninterest expense to average assets | 3.6948% | 765 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9361% | 3,127 |
| Return on assets (ROA) | 0.9361% | 3,145 |
| Pretax return on assets | 1.1004% | 3,174 |
| Return on Equity (ROE) | 9.0223% | 2,899 |
| Retained earnings to average equity (ytd only) | 5.4074% | 2,992 |
| Net charge-offs to loans | 0.0113% | 2,340 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 177.5000% | 370 |
| Efficiency ratio | 77.0524% | 1,454 |
| Assets per employee ($millions) | 3.9461% | 4,067 |
| Cash dividends to net income (ytd only)* | 40.0662% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9422% | 610 |
| Loan loss allowance to noncurrent loans | 57.9648% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 2.7238% | 321 |
| Noncurrent loans to loans | 3.3506% | 322 |
| Net loans and leases to total assets | 52.3410% | 4,412 |
| Net loans and leases to deposits | 58.9060% | 4,546 |
| Net loans and leases to core deposits | 60.0107% | 4,656 |
| Total domestic deposits to total assets | 88.8551% | 1,174 |
| Equity capital to assets | 10.1389% | 3,464 |
| Core capital (leverage) ratio | 10.3357% | 3,139 |
| Tier 1 risk-based capital ratio | 15.4313% | 2,685 |
| Total risk-based capital ratio | 16.6866% | 2,618 |
| Memoranda: | ||
| Average total assets | $129,045,500 | 3,761 |
| Average earning assets | $117,683,500 | 3,788 |
| Average equity | $13,389,000 | 3,917 |
| Average total loans | $70,764,000 | 3,955 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4754% | 1,797 |
| Cost of funding earning assets | 0.1448% | 5,289 |
| Net interest margin | 4.3305% | 906 |
| Noninterest income to average assets | 0.9132% | 1,231 |
| Noninterest expense to average assets | 3.6581% | 838 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7770% | 3,265 |
| Return on assets (ROA) | 0.8023% | 3,190 |
| Pretax return on assets | 1.2475% | 2,565 |
| Return on Equity (ROE) | 7.7566% | 2,914 |
| Retained earnings to average equity (ytd only) | 2.0493% | 4,091 |
| Net charge-offs to loans | -0.0529% | 5,207 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1756% | 1,739 |
| Assets per employee ($millions) | 3.8748% | 4,152 |
| Cash dividends to net income (ytd only)* | 73.5795% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8773% | 678 |
| Loan loss allowance to noncurrent loans | 125.3012% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 1.7964% | 694 |
| Noncurrent loans to loans | 1.4982% | 1,135 |
| Net loans and leases to total assets | 55.2647% | 4,253 |
| Net loans and leases to deposits | 62.5433% | 4,406 |
| Net loans and leases to core deposits | 63.5981% | 4,558 |
| Total domestic deposits to total assets | 88.3624% | 1,323 |
| Equity capital to assets | 10.6163% | 3,030 |
| Core capital (leverage) ratio | 9.9130% | 3,565 |
| Tier 1 risk-based capital ratio | 15.3813% | 2,670 |
| Total risk-based capital ratio | 16.6385% | 2,604 |
| Memoranda: | ||
| Average total assets | $131,625,200 | 3,724 |
| Average earning assets | $120,146,800 | 3,745 |
| Average equity | $13,614,200 | 3,898 |
| Average total loans | $73,763,000 | 3,879 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 1,907 |
| Cost of funding earning assets | 0.1433% | 5,354 |
| Net interest margin | 4.2756% | 985 |
| Noninterest income to average assets | 0.9444% | 1,157 |
| Noninterest expense to average assets | 3.6107% | 858 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9283% | 2,887 |
| Return on assets (ROA) | 0.9676% | 2,757 |
| Pretax return on assets | 1.2864% | 2,563 |
| Return on Equity (ROE) | 9.4145% | 2,397 |
| Retained earnings to average equity (ytd only) | 5.8718% | 2,321 |
| Net charge-offs to loans | -0.0701% | 5,278 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5277% | 1,814 |
| Assets per employee ($millions) | 4.1613% | 3,721 |
| Cash dividends to net income (ytd only)* | 37.6297% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8297% | 804 |
| Loan loss allowance to noncurrent loans | 179.2053% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 1.5613% | 956 |
| Noncurrent loans to loans | 1.0210% | 1,904 |
| Net loans and leases to total assets | 54.5164% | 4,370 |
| Net loans and leases to deposits | 61.6714% | 4,545 |
| Net loans and leases to core deposits | 63.0737% | 4,648 |
| Total domestic deposits to total assets | 88.3982% | 1,173 |
| Equity capital to assets | 10.5430% | 3,324 |
| Core capital (leverage) ratio | 10.0337% | 3,532 |
| Tier 1 risk-based capital ratio | 15.2657% | 2,807 |
| Total risk-based capital ratio | 16.5216% | 2,742 |
| Memoranda: | ||
| Average total assets | $132,564,000 | 3,746 |
| Average earning assets | $120,930,000 | 3,771 |
| Average equity | $13,624,000 | 3,932 |
| Average total loans | $74,199,000 | 3,894 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3962% | 1,825 |
| Cost of funding earning assets | 0.1377% | 5,404 |
| Net interest margin | 4.2584% | 959 |
| Noninterest income to average assets | 0.8658% | 1,372 |
| Noninterest expense to average assets | 3.5870% | 881 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8756% | 3,043 |
| Return on assets (ROA) | 0.9353% | 2,801 |
| Pretax return on assets | 1.2345% | 2,642 |
| Return on Equity (ROE) | 9.1801% | 2,420 |
| Retained earnings to average equity (ytd only) | 5.6060% | 2,349 |
| Net charge-offs to loans | -0.1077% | 5,433 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6292% | 1,786 |
| Assets per employee ($millions) | 4.2345% | 3,548 |
| Cash dividends to net income (ytd only)* | 38.9338% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7735% | 937 |
| Loan loss allowance to noncurrent loans | 177.9238% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 1.5394% | 971 |
| Noncurrent loans to loans | 0.9968% | 1,970 |
| Net loans and leases to total assets | 55.3419% | 4,284 |
| Net loans and leases to deposits | 63.9348% | 4,371 |
| Net loans and leases to core deposits | 65.5642% | 4,497 |
| Total domestic deposits to total assets | 86.5599% | 2,147 |
| Equity capital to assets | 10.2365% | 3,633 |
| Core capital (leverage) ratio | 9.7832% | 3,798 |
| Tier 1 risk-based capital ratio | 14.8054% | 3,011 |
| Total risk-based capital ratio | 16.0608% | 2,936 |
| Memoranda: | ||
| Average total assets | $132,365,330 | 3,773 |
| Average earning assets | $120,513,670 | 3,800 |
| Average equity | $13,485,670 | 3,961 |
| Average total loans | $74,283,000 | 3,914 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3484% | 1,821 |
| Cost of funding earning assets | 0.1313% | 5,481 |
| Net interest margin | 4.2171% | 955 |
| Noninterest income to average assets | 0.8685% | 1,340 |
| Noninterest expense to average assets | 3.4313% | 1,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9450% | 2,543 |
| Return on assets (ROA) | 1.0643% | 2,051 |
| Pretax return on assets | 1.4282% | 1,776 |
| Return on Equity (ROE) | 10.4717% | 1,749 |
| Retained earnings to average equity (ytd only) | 6.8307% | 1,916 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9993% | 2,405 |
| Assets per employee ($millions) | 4.0792% | 3,879 |
| Cash dividends to net income (ytd only)* | 34.7701% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7535% | 1,048 |
| Loan loss allowance to noncurrent loans | 170.2983% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 1.5570% | 1,011 |
| Noncurrent loans to loans | 1.0297% | 1,999 |
| Net loans and leases to total assets | 54.6477% | 4,289 |
| Net loans and leases to deposits | 63.0077% | 4,368 |
| Net loans and leases to core deposits | 64.8181% | 4,496 |
| Total domestic deposits to total assets | 86.7318% | 2,345 |
| Equity capital to assets | 9.9647% | 3,800 |
| Core capital (leverage) ratio | 10.1381% | 3,330 |
| Tier 1 risk-based capital ratio | 14.8388% | 3,052 |
| Total risk-based capital ratio | 16.0936% | 2,973 |
| Memoranda: | ||
| Average total assets | $130,795,500 | 3,828 |
| Average earning assets | $118,849,500 | 3,852 |
| Average equity | $13,293,000 | 4,016 |
| Average total loans | $73,252,000 | 3,967 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2910% | 2,167 |
| Cost of funding earning assets | 0.1241% | 5,591 |
| Net interest margin | 4.1668% | 1,191 |
| Noninterest income to average assets | 0.9103% | 1,379 |
| Noninterest expense to average assets | 3.4711% | 1,218 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9504% | 2,583 |
| Return on assets (ROA) | 0.9980% | 2,465 |
| Pretax return on assets | 1.3153% | 2,228 |
| Return on Equity (ROE) | 9.4578% | 2,205 |
| Retained earnings to average equity (ytd only) | 5.1223% | 2,267 |
| Net charge-offs to loans | 0.9795% | 190 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 2.3074% | 3,849 |
| Efficiency ratio | 73.4826% | 2,348 |
| Assets per employee ($millions) | 3.7346% | 4,422 |
| Cash dividends to net income (ytd only)* | 45.8399% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8331% | 894 |
| Loan loss allowance to noncurrent loans | 448.1229% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 1.2743% | 1,396 |
| Noncurrent loans to loans | 0.4091% | 3,682 |
| Net loans and leases to total assets | 55.3758% | 4,319 |
| Net loans and leases to deposits | 62.9062% | 4,476 |
| Net loans and leases to core deposits | 63.7676% | 4,648 |
| Total domestic deposits to total assets | 88.0292% | 1,614 |
| Equity capital to assets | 10.3736% | 3,301 |
| Core capital (leverage) ratio | 9.9101% | 3,609 |
| Tier 1 risk-based capital ratio | 14.6347% | 3,130 |
| Total risk-based capital ratio | 15.8917% | 3,069 |
| Memoranda: | ||
| Average total assets | $127,652,800 | 3,870 |
| Average earning assets | $116,827,200 | 3,889 |
| Average equity | $13,470,400 | 4,031 |
| Average total loans | $70,752,200 | 4,027 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2327% | 2,401 |
| Cost of funding earning assets | 0.1297% | 5,617 |
| Net interest margin | 4.1030% | 1,377 |
| Noninterest income to average assets | 0.9075% | 1,383 |
| Noninterest expense to average assets | 3.4182% | 1,314 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9313% | 2,745 |
| Return on assets (ROA) | 0.9930% | 2,606 |
| Pretax return on assets | 1.3341% | 2,292 |
| Return on Equity (ROE) | 9.3710% | 2,322 |
| Retained earnings to average equity (ytd only) | 5.9061% | 2,233 |
| Net charge-offs to loans | -0.0132% | 4,874 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2127% | 2,404 |
| Assets per employee ($millions) | 4.0244% | 3,925 |
| Cash dividends to net income (ytd only)* | 36.9747% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8478% | 229 |
| Loan loss allowance to noncurrent loans | 123.3456% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 1.7816% | 931 |
| Noncurrent loans to loans | 2.3088% | 798 |
| Net loans and leases to total assets | 51.7089% | 4,676 |
| Net loans and leases to deposits | 58.2756% | 4,864 |
| Net loans and leases to core deposits | 59.0255% | 4,996 |
| Total domestic deposits to total assets | 88.7316% | 1,033 |
| Equity capital to assets | 10.4770% | 3,591 |
| Core capital (leverage) ratio | 10.1934% | 3,337 |
| Tier 1 risk-based capital ratio | 15.2159% | 2,946 |
| Total risk-based capital ratio | 16.4805% | 2,875 |
| Memoranda: | ||
| Average total assets | $127,822,000 | 3,890 |
| Average earning assets | $117,180,000 | 3,906 |
| Average equity | $13,545,000 | 4,052 |
| Average total loans | $70,533,500 | 4,062 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2495% | 2,336 |
| Cost of funding earning assets | 0.1379% | 5,629 |
| Net interest margin | 4.1116% | 1,335 |
| Noninterest income to average assets | 0.9115% | 1,341 |
| Noninterest expense to average assets | 3.4416% | 1,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9302% | 2,723 |
| Return on assets (ROA) | 1.0241% | 2,416 |
| Pretax return on assets | 1.3776% | 2,106 |
| Return on Equity (ROE) | 9.6260% | 2,215 |
| Retained earnings to average equity (ytd only) | 6.0498% | 2,094 |
| Net charge-offs to loans | 0.0170% | 3,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 131.5000% | 457 |
| Efficiency ratio | 73.3446% | 2,463 |
| Assets per employee ($millions) | 3.7970% | 4,270 |
| Cash dividends to net income (ytd only)* | 37.1517% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8557% | 236 |
| Loan loss allowance to noncurrent loans | 128.3697% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 1.8292% | 930 |
| Noncurrent loans to loans | 2.2246% | 837 |
| Net loans and leases to total assets | 54.2981% | 4,478 |
| Net loans and leases to deposits | 61.6330% | 4,685 |
| Net loans and leases to core deposits | 62.4785% | 4,855 |
| Total domestic deposits to total assets | 88.0991% | 1,380 |
| Equity capital to assets | 11.0350% | 3,023 |
| Core capital (leverage) ratio | 10.2350% | 3,288 |
| Tier 1 risk-based capital ratio | 15.5192% | 2,853 |
| Total risk-based capital ratio | 16.7850% | 2,786 |
| Memoranda: | ||
| Average total assets | $126,161,000 | 3,941 |
| Average earning assets | $116,014,330 | 3,949 |
| Average equity | $13,422,000 | 4,088 |
| Average total loans | $70,483,000 | 4,082 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2393% | 2,334 |
| Cost of funding earning assets | 0.1478% | 5,630 |
| Net interest margin | 4.0915% | 1,365 |
| Noninterest income to average assets | 0.9005% | 1,313 |
| Noninterest expense to average assets | 3.3873% | 1,407 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9495% | 2,513 |
| Return on assets (ROA) | 0.9543% | 2,613 |
| Pretax return on assets | 1.2797% | 2,388 |
| Return on Equity (ROE) | 9.1380% | 2,348 |
| Retained earnings to average equity (ytd only) | 5.5070% | 2,644 |
| Net charge-offs to loans | 0.0057% | 2,918 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 403.0000% | 151 |
| Efficiency ratio | 72.6780% | 2,699 |
| Assets per employee ($millions) | 4.0451% | 3,871 |
| Cash dividends to net income (ytd only)* | 39.7351% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7904% | 277 |
| Loan loss allowance to noncurrent loans | 137.8007% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 1.7456% | 1,084 |
| Noncurrent loans to loans | 2.0250% | 1,045 |
| Net loans and leases to total assets | 55.7010% | 4,286 |
| Net loans and leases to deposits | 62.8814% | 4,517 |
| Net loans and leases to core deposits | 64.0602% | 4,686 |
| Total domestic deposits to total assets | 88.5812% | 1,315 |
| Equity capital to assets | 10.6700% | 3,291 |
| Core capital (leverage) ratio | 9.8757% | 3,690 |
| Tier 1 risk-based capital ratio | 15.0632% | 3,125 |
| Total risk-based capital ratio | 16.3289% | 3,059 |
| Memoranda: | ||
| Average total assets | $126,591,000 | 3,967 |
| Average earning assets | $116,340,000 | 3,970 |
| Average equity | $13,219,500 | 4,128 |
| Average total loans | $70,706,500 | 4,101 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1517% | 2,732 |
| Cost of funding earning assets | 0.1668% | 5,560 |
| Net interest margin | 3.9849% | 1,770 |
| Noninterest income to average assets | 0.9395% | 1,341 |
| Noninterest expense to average assets | 3.2767% | 1,770 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0008% | 2,360 |
| Return on assets (ROA) | 1.0250% | 2,315 |
| Pretax return on assets | 1.3750% | 1,997 |
| Return on Equity (ROE) | 10.0022% | 2,010 |
| Retained earnings to average equity (ytd only) | 5.5323% | 2,065 |
| Net charge-offs to loans | 0.1229% | 2,140 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 19.8214% | 1,919 |
| Efficiency ratio | 70.9323% | 3,081 |
| Assets per employee ($millions) | 4.2595% | 3,470 |
| Cash dividends to net income (ytd only)* | 44.6892% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8838% | 256 |
| Loan loss allowance to noncurrent loans | 165.6482% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 1.5221% | 1,329 |
| Noncurrent loans to loans | 1.7409% | 1,295 |
| Net loans and leases to total assets | 52.8658% | 4,618 |
| Net loans and leases to deposits | 59.3500% | 4,823 |
| Net loans and leases to core deposits | 60.4353% | 4,952 |
| Total domestic deposits to total assets | 89.0745% | 1,084 |
| Equity capital to assets | 10.2196% | 3,719 |
| Core capital (leverage) ratio | 9.7294% | 3,865 |
| Tier 1 risk-based capital ratio | 14.1175% | 3,655 |
| Total risk-based capital ratio | 15.3810% | 3,559 |
| Memoranda: | ||
| Average total assets | $123,996,800 | 4,008 |
| Average earning assets | $114,506,600 | 3,989 |
| Average equity | $12,707,200 | 4,187 |
| Average total loans | $68,326,200 | 4,136 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1754% | 2,661 |
| Cost of funding earning assets | 0.1700% | 5,629 |
| Net interest margin | 4.0054% | 1,682 |
| Noninterest income to average assets | 0.9264% | 1,381 |
| Noninterest expense to average assets | 3.2344% | 1,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0349% | 2,301 |
| Return on assets (ROA) | 1.0413% | 2,358 |
| Pretax return on assets | 1.4021% | 2,001 |
| Return on Equity (ROE) | 10.1535% | 2,048 |
| Retained earnings to average equity (ytd only) | 6.6035% | 1,885 |
| Net charge-offs to loans | 0.1647% | 1,506 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 15.3091% | 2,191 |
| Efficiency ratio | 69.8900% | 3,228 |
| Assets per employee ($millions) | 4.2096% | 3,500 |
| Cash dividends to net income (ytd only)* | 34.9637% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9710% | 251 |
| Loan loss allowance to noncurrent loans | 7,429.6296% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.6026% | 3,462 |
| Noncurrent loans to loans | 0.0400% | 5,453 |
| Net loans and leases to total assets | 51.8767% | 4,772 |
| Net loans and leases to deposits | 58.2352% | 4,982 |
| Net loans and leases to core deposits | 59.2924% | 5,114 |
| Total domestic deposits to total assets | 89.0813% | 991 |
| Equity capital to assets | 10.2266% | 3,896 |
| Core capital (leverage) ratio | 9.8935% | 3,775 |
| Tier 1 risk-based capital ratio | 14.2578% | 3,697 |
| Total risk-based capital ratio | 15.5224% | 3,614 |
| Memoranda: | ||
| Average total assets | $123,050,000 | 4,066 |
| Average earning assets | $113,710,000 | 4,051 |
| Average equity | $12,619,250 | 4,248 |
| Average total loans | $68,017,750 | 4,179 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1774% | 2,627 |
| Cost of funding earning assets | 0.1775% | 5,632 |
| Net interest margin | 3.9999% | 1,635 |
| Noninterest income to average assets | 0.9215% | 1,383 |
| Noninterest expense to average assets | 3.2549% | 1,834 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0069% | 2,356 |
| Return on assets (ROA) | 1.0166% | 2,415 |
| Pretax return on assets | 1.3741% | 2,089 |
| Return on Equity (ROE) | 9.9036% | 2,116 |
| Retained earnings to average equity (ytd only) | 6.3255% | 2,046 |
| Net charge-offs to loans | 0.2435% | 1,068 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,398 |
| Efficiency ratio | 70.5151% | 3,260 |
| Assets per employee ($millions) | 4.1153% | 3,650 |
| Cash dividends to net income (ytd only)* | 36.1290% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8832% | 305 |
| Loan loss allowance to noncurrent loans | 6,920.6897% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.8116% | 2,947 |
| Noncurrent loans to loans | 0.0417% | 5,580 |
| Net loans and leases to total assets | 54.7587% | 4,477 |
| Net loans and leases to deposits | 61.4180% | 4,741 |
| Net loans and leases to core deposits | 62.6067% | 4,897 |
| Total domestic deposits to total assets | 89.1574% | 1,066 |
| Equity capital to assets | 10.1508% | 3,863 |
| Core capital (leverage) ratio | 9.8496% | 3,807 |
| Tier 1 risk-based capital ratio | 13.7584% | 4,061 |
| Total risk-based capital ratio | 15.0219% | 3,989 |
| Memoranda: | ||
| Average total assets | $121,970,670 | 4,120 |
| Average earning assets | $112,654,000 | 4,105 |
| Average equity | $12,520,670 | 4,288 |
| Average total loans | $68,183,670 | 4,208 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1655% | 2,580 |
| Cost of funding earning assets | 0.1856% | 5,641 |
| Net interest margin | 3.9799% | 1,625 |
| Noninterest income to average assets | 0.9107% | 1,354 |
| Noninterest expense to average assets | 3.2369% | 1,884 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0064% | 2,239 |
| Return on assets (ROA) | 1.0064% | 2,377 |
| Pretax return on assets | 1.3528% | 2,061 |
| Return on Equity (ROE) | 9.7483% | 2,114 |
| Retained earnings to average equity (ytd only) | 6.1686% | 2,392 |
| Net charge-offs to loans | 0.2490% | 964 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 9.7619% | 1,985 |
| Efficiency ratio | 70.5248% | 3,390 |
| Assets per employee ($millions) | 4.0629% | 3,839 |
| Cash dividends to net income (ytd only)* | 36.7213% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0376% | 289 |
| Loan loss allowance to noncurrent loans | 2,925.7143% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.8639% | 2,923 |
| Noncurrent loans to loans | 0.1038% | 5,385 |
| Net loans and leases to total assets | 53.6341% | 4,487 |
| Net loans and leases to deposits | 60.2755% | 4,727 |
| Net loans and leases to core deposits | 61.5971% | 4,867 |
| Total domestic deposits to total assets | 88.9816% | 1,286 |
| Equity capital to assets | 10.3867% | 3,673 |
| Core capital (leverage) ratio | 9.7201% | 3,988 |
| Tier 1 risk-based capital ratio | 13.9010% | 4,085 |
| Total risk-based capital ratio | 15.1656% | 4,004 |
| Memoranda: | ||
| Average total assets | $121,227,000 | 4,163 |
| Average earning assets | $112,064,500 | 4,141 |
| Average equity | $12,515,000 | 4,318 |
| Average total loans | $67,470,000 | 4,253 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3497% | 2,411 |
| Cost of funding earning assets | 0.2767% | 5,029 |
| Net interest margin | 4.0730% | 1,673 |
| Noninterest income to average assets | 1.0090% | 1,194 |
| Noninterest expense to average assets | 3.3264% | 1,862 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0380% | 2,222 |
| Return on assets (ROA) | 1.0504% | 2,232 |
| Pretax return on assets | 1.4466% | 1,729 |
| Return on Equity (ROE) | 10.4643% | 1,919 |
| Retained earnings to average equity (ytd only) | -4.2243% | 6,146 |
| Net charge-offs to loans | 0.3074% | 1,434 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 8.1538% | 2,919 |
| Efficiency ratio | 69.9397% | 3,535 |
| Assets per employee ($millions) | 4.0189% | 3,913 |
| Cash dividends to net income (ytd only)* | 140.3692% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0954% | 268 |
| Loan loss allowance to noncurrent loans | 653.1250% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.9273% | 2,898 |
| Noncurrent loans to loans | 0.4739% | 4,239 |
| Net loans and leases to total assets | 54.2678% | 4,550 |
| Net loans and leases to deposits | 60.8970% | 4,818 |
| Net loans and leases to core deposits | 62.5199% | 4,961 |
| Total domestic deposits to total assets | 89.1139% | 1,166 |
| Equity capital to assets | 10.2599% | 3,776 |
| Core capital (leverage) ratio | 9.7324% | 3,926 |
| Tier 1 risk-based capital ratio | 15.1213% | 3,425 |
| Total risk-based capital ratio | 16.3898% | 3,365 |
| Memoranda: | ||
| Average total assets | $118,626,600 | 4,210 |
| Average earning assets | $109,133,600 | 4,203 |
| Average equity | $11,907,200 | 4,377 |
| Average total loans | $67,673,000 | 4,242 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3774% | 2,307 |
| Cost of funding earning assets | 0.2997% | 4,891 |
| Net interest margin | 4.0777% | 1,644 |
| Noninterest income to average assets | 1.0417% | 1,128 |
| Noninterest expense to average assets | 3.3439% | 1,802 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0463% | 2,247 |
| Return on assets (ROA) | 1.0552% | 2,280 |
| Pretax return on assets | 1.4570% | 1,786 |
| Return on Equity (ROE) | 10.5724% | 1,957 |
| Retained earnings to average equity (ytd only) | -6.9992% | 6,325 |
| Net charge-offs to loans | 0.4076% | 970 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.1836% | 3,129 |
| Efficiency ratio | 69.8327% | 3,541 |
| Assets per employee ($millions) | 3.9445% | 3,998 |
| Cash dividends to net income (ytd only)* | 166.2028% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0701% | 333 |
| Loan loss allowance to noncurrent loans | 571.0383% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.9879% | 2,979 |
| Noncurrent loans to loans | 0.5376% | 4,324 |
| Net loans and leases to total assets | 55.7620% | 4,362 |
| Net loans and leases to deposits | 62.5946% | 4,689 |
| Net loans and leases to core deposits | 64.2719% | 4,855 |
| Total domestic deposits to total assets | 89.0844% | 1,189 |
| Equity capital to assets | 10.2244% | 3,898 |
| Core capital (leverage) ratio | 9.6834% | 4,106 |
| Tier 1 risk-based capital ratio | 14.7685% | 3,719 |
| Total risk-based capital ratio | 16.0374% | 3,650 |
| Memoranda: | ||
| Average total assets | $118,141,500 | 4,256 |
| Average earning assets | $108,555,250 | 4,254 |
| Average equity | $11,791,500 | 4,426 |
| Average total loans | $67,711,500 | 4,284 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3129% | 2,541 |
| Cost of funding earning assets | 0.3292% | 4,653 |
| Net interest margin | 3.9837% | 1,862 |
| Noninterest income to average assets | 1.0535% | 1,071 |
| Noninterest expense to average assets | 3.4384% | 1,594 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9214% | 2,695 |
| Return on assets (ROA) | 0.9350% | 2,730 |
| Pretax return on assets | 1.2822% | 2,327 |
| Return on Equity (ROE) | 9.4448% | 2,394 |
| Retained earnings to average equity (ytd only) | -15.2280% | 6,499 |
| Net charge-offs to loans | 0.6155% | 647 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.5865% | 3,266 |
| Efficiency ratio | 73.1268% | 3,133 |
| Assets per employee ($millions) | 3.8309% | 4,199 |
| Cash dividends to net income (ytd only)* | 261.2319% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0679% | 353 |
| Loan loss allowance to noncurrent loans | 285.9097% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 1.3102% | 2,489 |
| Noncurrent loans to loans | 1.0730% | 3,083 |
| Net loans and leases to total assets | 55.6051% | 4,335 |
| Net loans and leases to deposits | 62.1085% | 4,682 |
| Net loans and leases to core deposits | 63.9125% | 4,825 |
| Total domestic deposits to total assets | 89.5290% | 1,070 |
| Equity capital to assets | 9.8714% | 4,270 |
| Core capital (leverage) ratio | 9.6000% | 4,179 |
| Tier 1 risk-based capital ratio | 14.3865% | 3,997 |
| Total risk-based capital ratio | 15.6545% | 3,928 |
| Memoranda: | ||
| Average total assets | $118,077,000 | 4,288 |
| Average earning assets | $108,140,330 | 4,288 |
| Average equity | $11,689,000 | 4,455 |
| Average total loans | $67,590,000 | 4,310 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3219% | 2,439 |
| Cost of funding earning assets | 0.3456% | 4,579 |
| Net interest margin | 3.9763% | 1,836 |
| Noninterest income to average assets | 1.0192% | 1,089 |
| Noninterest expense to average assets | 3.3906% | 1,728 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9303% | 2,505 |
| Return on assets (ROA) | 0.9479% | 2,483 |
| Pretax return on assets | 1.2876% | 2,137 |
| Return on Equity (ROE) | 9.5613% | 2,219 |
| Retained earnings to average equity (ytd only) | -36.0178% | 6,640 |
| Net charge-offs to loans | -0.1426% | 6,265 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8467% | 3,334 |
| Assets per employee ($millions) | 3.6878% | 4,543 |
| Cash dividends to net income (ytd only)* | 476.7025% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4303% | 282 |
| Loan loss allowance to noncurrent loans | 217.0093% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 1.6473% | 2,141 |
| Noncurrent loans to loans | 1.5807% | 2,448 |
| Net loans and leases to total assets | 55.3923% | 4,224 |
| Net loans and leases to deposits | 61.6590% | 4,589 |
| Net loans and leases to core deposits | 63.7386% | 4,709 |
| Total domestic deposits to total assets | 89.8365% | 1,162 |
| Equity capital to assets | 9.5703% | 4,404 |
| Core capital (leverage) ratio | 9.5909% | 4,146 |
| Tier 1 risk-based capital ratio | 14.2560% | 4,161 |
| Total risk-based capital ratio | 15.5000% | 4,110 |
| Memoranda: | ||
| Average total assets | $117,737,000 | 4,320 |
| Average earning assets | $107,637,000 | 4,325 |
| Average equity | $11,672,000 | 4,476 |
| Average total loans | $67,322,500 | 4,345 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5398% | 2,061 |
| Cost of funding earning assets | 0.3789% | 4,847 |
| Net interest margin | 4.1608% | 1,471 |
| Noninterest income to average assets | 1.1990% | 980 |
| Noninterest expense to average assets | 3.3232% | 2,080 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1283% | 1,838 |
| Return on assets (ROA) | 1.1930% | 1,662 |
| Pretax return on assets | 1.7684% | 820 |
| Return on Equity (ROE) | 11.9211% | 1,442 |
| Retained earnings to average equity (ytd only) | 11.9211% | 325 |
| Net charge-offs to loans | 0.9056% | 673 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.1874% | 3,932 |
| Efficiency ratio | 66.5310% | 4,464 |
| Assets per employee ($millions) | 3.7891% | 4,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4322% | 307 |
| Loan loss allowance to noncurrent loans | 427.9330% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 1.4073% | 2,634 |
| Noncurrent loans to loans | 0.8020% | 3,974 |
| Net loans and leases to total assets | 55.0437% | 4,454 |
| Net loans and leases to deposits | 61.7000% | 4,752 |
| Net loans and leases to core deposits | 63.5246% | 4,915 |
| Total domestic deposits to total assets | 89.2119% | 1,481 |
| Equity capital to assets | 10.2585% | 3,437 |
| Core capital (leverage) ratio | 10.4308% | 2,986 |
| Tier 1 risk-based capital ratio | 15.7638% | 3,216 |
| Total risk-based capital ratio | 17.0357% | 3,165 |
| Memoranda: | ||
| Average total assets | $118,018,800 | 4,315 |
| Average earning assets | $107,670,600 | 4,320 |
| Average equity | $11,811,000 | 4,485 |
| Average total loans | $68,354,600 | 4,326 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5276% | 2,129 |
| Cost of funding earning assets | 0.3824% | 4,972 |
| Net interest margin | 4.1453% | 1,497 |
| Noninterest income to average assets | 1.2153% | 990 |
| Noninterest expense to average assets | 3.2329% | 2,255 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1709% | 1,737 |
| Return on assets (ROA) | 1.2051% | 1,686 |
| Pretax return on assets | 1.8145% | 873 |
| Return on Equity (ROE) | 12.1175% | 1,441 |
| Retained earnings to average equity (ytd only) | 12.1175% | 405 |
| Net charge-offs to loans | 1.0014% | 567 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.0271% | 3,831 |
| Efficiency ratio | 64.7165% | 4,694 |
| Assets per employee ($millions) | 3.7981% | 4,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4798% | 343 |
| Loan loss allowance to noncurrent loans | 182.6484% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 2.4036% | 1,617 |
| Noncurrent loans to loans | 1.9052% | 2,362 |
| Net loans and leases to total assets | 56.5394% | 4,240 |
| Net loans and leases to deposits | 63.2729% | 4,592 |
| Net loans and leases to core deposits | 65.1160% | 4,792 |
| Total domestic deposits to total assets | 89.3580% | 1,382 |
| Equity capital to assets | 10.0670% | 3,812 |
| Core capital (leverage) ratio | 10.2299% | 3,360 |
| Tier 1 risk-based capital ratio | 15.2380% | 3,599 |
| Total risk-based capital ratio | 16.5116% | 3,540 |
| Memoranda: | ||
| Average total assets | $118,157,750 | 4,355 |
| Average earning assets | $107,750,250 | 4,362 |
| Average equity | $11,751,250 | 4,549 |
| Average total loans | $68,704,750 | 4,353 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5798% | 1,910 |
| Cost of funding earning assets | 0.3870% | 5,061 |
| Net interest margin | 4.1927% | 1,298 |
| Noninterest income to average assets | 1.1953% | 1,065 |
| Noninterest expense to average assets | 3.2173% | 2,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1835% | 1,634 |
| Return on assets (ROA) | 1.1835% | 1,743 |
| Pretax return on assets | 1.8056% | 916 |
| Return on Equity (ROE) | 11.9481% | 1,511 |
| Retained earnings to average equity (ytd only) | 11.9481% | 501 |
| Net charge-offs to loans | 0.9211% | 673 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.3797% | 3,405 |
| Efficiency ratio | 64.0525% | 4,864 |
| Assets per employee ($millions) | 3.7466% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7734% | 300 |
| Loan loss allowance to noncurrent loans | 120.3609% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 2.8602% | 1,435 |
| Noncurrent loans to loans | 3.1351% | 1,405 |
| Net loans and leases to total assets | 57.1079% | 4,122 |
| Net loans and leases to deposits | 63.9269% | 4,516 |
| Net loans and leases to core deposits | 65.6323% | 4,724 |
| Total domestic deposits to total assets | 89.3332% | 1,426 |
| Equity capital to assets | 10.1563% | 3,718 |
| Core capital (leverage) ratio | 9.7118% | 3,919 |
| Tier 1 risk-based capital ratio | 15.2500% | 3,627 |
| Total risk-based capital ratio | 16.5282% | 3,564 |
| Memoranda: | ||
| Average total assets | $118,296,670 | 4,382 |
| Average earning assets | $107,996,670 | 4,384 |
| Average equity | $11,717,330 | 4,585 |
| Average total loans | $68,616,330 | 4,363 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4131% | 2,475 |
| Cost of funding earning assets | 0.3895% | 5,208 |
| Net interest margin | 4.0236% | 1,698 |
| Noninterest income to average assets | 0.8779% | 1,838 |
| Noninterest expense to average assets | 3.2001% | 2,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8846% | 2,725 |
| Return on assets (ROA) | 0.8846% | 2,869 |
| Pretax return on assets | 1.3470% | 2,050 |
| Return on Equity (ROE) | 9.0426% | 2,476 |
| Retained earnings to average equity (ytd only) | 9.0426% | 1,369 |
| Net charge-offs to loans | 0.9582% | 640 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.4512% | 3,028 |
| Efficiency ratio | 70.3758% | 3,914 |
| Assets per employee ($millions) | 3.6771% | 4,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0379% | 280 |
| Loan loss allowance to noncurrent loans | 74.7014% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 3.9928% | 997 |
| Noncurrent loans to loans | 5.4054% | 681 |
| Net loans and leases to total assets | 53.8980% | 4,437 |
| Net loans and leases to deposits | 59.9925% | 4,795 |
| Net loans and leases to core deposits | 61.6564% | 4,986 |
| Total domestic deposits to total assets | 89.8413% | 1,141 |
| Equity capital to assets | 9.7046% | 4,558 |
| Core capital (leverage) ratio | 9.4280% | 4,197 |
| Tier 1 risk-based capital ratio | 15.1263% | 3,753 |
| Total risk-based capital ratio | 16.4084% | 3,686 |
| Memoranda: | ||
| Average total assets | $119,372,500 | 4,408 |
| Average earning assets | $108,857,000 | 4,398 |
| Average equity | $11,678,000 | 4,636 |
| Average total loans | $68,460,000 | 4,398 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8440% | 2,042 |
| Cost of funding earning assets | 0.4529% | 5,565 |
| Net interest margin | 4.3910% | 1,178 |
| Noninterest income to average assets | 0.4587% | 4,183 |
| Noninterest expense to average assets | 2.9209% | 3,561 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9893% | 2,386 |
| Return on assets (ROA) | 1.0406% | 2,367 |
| Pretax return on assets | 1.5737% | 1,454 |
| Return on Equity (ROE) | 11.5815% | 1,627 |
| Retained earnings to average equity (ytd only) | 11.5815% | 366 |
| Net charge-offs to loans | 0.3352% | 2,961 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 7.6695% | 2,555 |
| Efficiency ratio | 66.1302% | 4,476 |
| Assets per employee ($millions) | 3.9134% | 4,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2419% | 240 |
| Loan loss allowance to noncurrent loans | 74.9101% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 4.3977% | 950 |
| Noncurrent loans to loans | 5.6627% | 638 |
| Net loans and leases to total assets | 56.0890% | 4,276 |
| Net loans and leases to deposits | 62.5317% | 4,723 |
| Net loans and leases to core deposits | 64.5699% | 4,894 |
| Total domestic deposits to total assets | 89.6969% | 1,130 |
| Equity capital to assets | 9.8636% | 4,360 |
| Core capital (leverage) ratio | 9.1794% | 4,614 |
| Tier 1 risk-based capital ratio | 14.8091% | 3,828 |
| Total risk-based capital ratio | 16.0948% | 3,763 |
| Memoranda: | ||
| Average total assets | $120,990,200 | 4,342 |
| Average earning assets | $109,063,400 | 4,364 |
| Average equity | $10,870,800 | 4,785 |
| Average total loans | $70,405,800 | 4,348 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8317% | 2,279 |
| Cost of funding earning assets | 0.4662% | 5,670 |
| Net interest margin | 4.3654% | 1,306 |
| Noninterest income to average assets | 0.4004% | 4,635 |
| Noninterest expense to average assets | 2.7872% | 4,025 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0165% | 2,421 |
| Return on assets (ROA) | 1.0851% | 2,345 |
| Pretax return on assets | 1.6397% | 1,454 |
| Return on Equity (ROE) | 12.3685% | 1,504 |
| Retained earnings to average equity (ytd only) | 12.3685% | 468 |
| Net charge-offs to loans | 0.3709% | 2,615 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 7.1269% | 2,656 |
| Efficiency ratio | 64.4737% | 4,718 |
| Assets per employee ($millions) | 3.9703% | 3,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1603% | 268 |
| Loan loss allowance to noncurrent loans | 77.0193% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 4.4380% | 1,050 |
| Noncurrent loans to loans | 5.4016% | 802 |
| Net loans and leases to total assets | 57.1725% | 4,266 |
| Net loans and leases to deposits | 63.3950% | 4,790 |
| Net loans and leases to core deposits | 64.7987% | 5,072 |
| Total domestic deposits to total assets | 90.1845% | 741 |
| Equity capital to assets | 9.4620% | 5,252 |
| Core capital (leverage) ratio | 8.9499% | 5,132 |
| Tier 1 risk-based capital ratio | 14.2115% | 4,375 |
| Total risk-based capital ratio | 15.4964% | 4,321 |
| Memoranda: | ||
| Average total assets | $121,887,500 | 4,353 |
| Average earning assets | $109,524,750 | 4,396 |
| Average equity | $10,693,500 | 4,868 |
| Average total loans | $70,815,750 | 4,372 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8505% | 2,303 |
| Cost of funding earning assets | 0.4885% | 5,692 |
| Net interest margin | 4.3620% | 1,304 |
| Noninterest income to average assets | 0.4283% | 4,444 |
| Noninterest expense to average assets | 2.7228% | 4,315 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0593% | 2,206 |
| Return on assets (ROA) | 1.0797% | 2,343 |
| Pretax return on assets | 1.6334% | 1,442 |
| Return on Equity (ROE) | 12.6270% | 1,466 |
| Retained earnings to average equity (ytd only) | 12.6270% | 487 |
| Net charge-offs to loans | 0.2036% | 3,357 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 1,775 |
| Efficiency ratio | 62.9518% | 5,090 |
| Assets per employee ($millions) | 4.0477% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2770% | 282 |
| Loan loss allowance to noncurrent loans | 120.3046% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 3.9010% | 1,332 |
| Noncurrent loans to loans | 3.5551% | 1,614 |
| Net loans and leases to total assets | 56.7862% | 4,354 |
| Net loans and leases to deposits | 62.7021% | 4,916 |
| Net loans and leases to core deposits | 64.4798% | 5,157 |
| Total domestic deposits to total assets | 90.5650% | 627 |
| Equity capital to assets | 9.0183% | 5,679 |
| Core capital (leverage) ratio | 8.5117% | 5,641 |
| Tier 1 risk-based capital ratio | 13.5062% | 4,819 |
| Total risk-based capital ratio | 14.7926% | 4,754 |
| Memoranda: | ||
| Average total assets | $122,814,000 | 4,355 |
| Average earning assets | $109,721,000 | 4,416 |
| Average equity | $10,501,330 | 4,910 |
| Average total loans | $70,736,670 | 4,395 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9452% | 2,073 |
| Cost of funding earning assets | 0.5221% | 5,666 |
| Net interest margin | 4.4231% | 1,180 |
| Noninterest income to average assets | 0.3206% | 5,310 |
| Noninterest expense to average assets | 2.7173% | 4,369 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0364% | 2,338 |
| Return on assets (ROA) | 1.0364% | 2,530 |
| Pretax return on assets | 1.5546% | 1,725 |
| Return on Equity (ROE) | 12.4556% | 1,540 |
| Retained earnings to average equity (ytd only) | 12.4556% | 756 |
| Net charge-offs to loans | -0.0400% | 6,449 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6088% | 5,003 |
| Assets per employee ($millions) | 4.1406% | 3,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4913% | 248 |
| Loan loss allowance to noncurrent loans | 124.8025% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 3.9890% | 1,386 |
| Noncurrent loans to loans | 3.5987% | 1,729 |
| Net loans and leases to total assets | 54.0976% | 4,705 |
| Net loans and leases to deposits | 59.3102% | 5,243 |
| Net loans and leases to core deposits | 60.8037% | 5,455 |
| Total domestic deposits to total assets | 91.2114% | 473 |
| Equity capital to assets | 8.3684% | 6,205 |
| Core capital (leverage) ratio | 8.1547% | 6,090 |
| Tier 1 risk-based capital ratio | 13.3038% | 4,976 |
| Total risk-based capital ratio | 14.5925% | 4,932 |
| Memoranda: | ||
| Average total assets | $123,505,500 | 4,363 |
| Average earning assets | $110,329,500 | 4,428 |
| Average equity | $10,276,500 | 4,979 |
| Average total loans | $70,086,500 | 4,446 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1244% | 2,354 |
| Cost of funding earning assets | 0.7896% | 4,942 |
| Net interest margin | 4.3348% | 1,588 |
| Noninterest income to average assets | 0.4509% | 4,208 |
| Noninterest expense to average assets | 3.0231% | 3,507 |
| Loan and lease loss provision to assets | 1.0786% | 846 |
| Net operating income to assets | 0.1396% | 5,768 |
| Return on assets (ROA) | 0.3255% | 5,319 |
| Pretax return on assets | 0.4431% | 5,157 |
| Return on Equity (ROE) | 4.3687% | 4,692 |
| Retained earnings to average equity (ytd only) | 4.3687% | 3,066 |
| Net charge-offs to loans | 2.3052% | 544 |
| Credit loss provision to net charge-offs | 77.7217% | 4,565 |
| Earnings coverage of net charge-offs (x) | 0.9130% | 5,120 |
| Efficiency ratio | 70.4665% | 3,849 |
| Assets per employee ($millions) | 4.0931% | 3,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5163% | 251 |
| Loan loss allowance to noncurrent loans | 213.3288% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 3.5238% | 1,679 |
| Noncurrent loans to loans | 2.1171% | 3,048 |
| Net loans and leases to total assets | 54.2873% | 4,994 |
| Net loans and leases to deposits | 59.4556% | 5,553 |
| Net loans and leases to core deposits | 61.3116% | 5,723 |
| Total domestic deposits to total assets | 91.3073% | 400 |
| Equity capital to assets | 8.2725% | 6,375 |
| Core capital (leverage) ratio | 7.6421% | 6,572 |
| Tier 1 risk-based capital ratio | 12.9270% | 5,130 |
| Total risk-based capital ratio | 14.2168% | 5,073 |
| Memoranda: | ||
| Average total assets | $128,409,800 | 4,208 |
| Average earning assets | $113,729,600 | 4,288 |
| Average equity | $9,568,000 | 5,131 |
| Average total loans | $77,304,400 | 4,235 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1562% | 2,360 |
| Cost of funding earning assets | 0.8499% | 4,773 |
| Net interest margin | 4.3064% | 1,689 |
| Noninterest income to average assets | 0.6810% | 2,715 |
| Noninterest expense to average assets | 2.9631% | 3,695 |
| Loan and lease loss provision to assets | 1.4225% | 501 |
| Net operating income to assets | 0.0715% | 6,024 |
| Return on assets (ROA) | 0.2866% | 5,615 |
| Pretax return on assets | 0.3852% | 5,515 |
| Return on Equity (ROE) | 3.9487% | 5,016 |
| Retained earnings to average equity (ytd only) | 3.9487% | 3,908 |
| Net charge-offs to loans | 2.8593% | 342 |
| Credit loss provision to net charge-offs | 81.5665% | 4,092 |
| Earnings coverage of net charge-offs (x) | 0.8698% | 4,964 |
| Efficiency ratio | 66.1394% | 4,692 |
| Assets per employee ($millions) | 4.2459% | 3,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4321% | 279 |
| Loan loss allowance to noncurrent loans | 212.5410% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 4.6892% | 1,260 |
| Noncurrent loans to loans | 2.0853% | 3,260 |
| Net loans and leases to total assets | 54.7960% | 5,031 |
| Net loans and leases to deposits | 59.9758% | 5,633 |
| Net loans and leases to core deposits | 61.6389% | 5,848 |
| Total domestic deposits to total assets | 91.3635% | 329 |
| Equity capital to assets | 7.9708% | 6,710 |
| Core capital (leverage) ratio | 7.2338% | 6,887 |
| Tier 1 risk-based capital ratio | 11.5952% | 6,174 |
| Total risk-based capital ratio | 12.8802% | 6,145 |
| Memoranda: | ||
| Average total assets | $129,814,000 | 4,201 |
| Average earning assets | $114,525,250 | 4,296 |
| Average equity | $9,420,500 | 5,200 |
| Average total loans | $79,177,000 | 4,204 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1496% | 2,465 |
| Cost of funding earning assets | 0.9122% | 4,569 |
| Net interest margin | 4.2374% | 1,889 |
| Noninterest income to average assets | 0.8329% | 1,881 |
| Noninterest expense to average assets | 2.9290% | 3,903 |
| Loan and lease loss provision to assets | 1.7990% | 373 |
| Net operating income to assets | -0.1225% | 6,378 |
| Return on assets (ROA) | 0.0873% | 6,124 |
| Pretax return on assets | 0.0628% | 6,165 |
| Return on Equity (ROE) | 1.2423% | 6,022 |
| Retained earnings to average equity (ytd only) | 1.2423% | 5,359 |
| Net charge-offs to loans | 2.9277% | 357 |
| Credit loss provision to net charge-offs | 98.8225% | 3,197 |
| Earnings coverage of net charge-offs (x) | 0.9075% | 4,619 |
| Efficiency ratio | 63.9372% | 5,251 |
| Assets per employee ($millions) | 3.7594% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7105% | 233 |
| Loan loss allowance to noncurrent loans | 136.2096% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 6.5374% | 814 |
| Noncurrent loans to loans | 3.4582% | 2,048 |
| Net loans and leases to total assets | 55.9632% | 5,003 |
| Net loans and leases to deposits | 60.7405% | 5,645 |
| Net loans and leases to core deposits | 62.4774% | 5,864 |
| Total domestic deposits to total assets | 92.1349% | 212 |
| Equity capital to assets | 7.4356% | 6,975 |
| Core capital (leverage) ratio | 6.9184% | 7,026 |
| Tier 1 risk-based capital ratio | 10.9284% | 6,586 |
| Total risk-based capital ratio | 12.2165% | 6,531 |
| Memoranda: | ||
| Average total assets | $130,626,000 | 4,212 |
| Average earning assets | $115,542,670 | 4,288 |
| Average equity | $9,176,330 | 5,277 |
| Average total loans | $81,224,330 | 4,170 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0231% | 2,995 |
| Cost of funding earning assets | 0.9631% | 4,474 |
| Net interest margin | 4.0600% | 2,432 |
| Noninterest income to average assets | 0.9695% | 1,411 |
| Noninterest expense to average assets | 2.9387% | 3,898 |
| Loan and lease loss provision to assets | 2.2722% | 234 |
| Net operating income to assets | -0.3636% | 6,717 |
| Return on assets (ROA) | -0.3636% | 6,723 |
| Pretax return on assets | -0.6271% | 6,829 |
| Return on Equity (ROE) | -5.3259% | 6,828 |
| Retained earnings to average equity (ytd only) | -5.3259% | 6,547 |
| Net charge-offs to loans | 5.1528% | 143 |
| Credit loss provision to net charge-offs | 69.0608% | 3,368 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 4,244 |
| Efficiency ratio | 64.1110% | 5,350 |
| Assets per employee ($millions) | 3.7520% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9059% | 445 |
| Loan loss allowance to noncurrent loans | 66.1998% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 6.6341% | 828 |
| Noncurrent loans to loans | 5.9002% | 1,086 |
| Net loans and leases to total assets | 60.2120% | 4,226 |
| Net loans and leases to deposits | 64.9198% | 5,142 |
| Net loans and leases to core deposits | 67.4115% | 5,368 |
| Total domestic deposits to total assets | 92.7483% | 158 |
| Equity capital to assets | 6.7940% | 7,141 |
| Core capital (leverage) ratio | 6.6866% | 7,120 |
| Tier 1 risk-based capital ratio | 9.7070% | 7,091 |
| Total risk-based capital ratio | 10.9856% | 7,090 |
| Memoranda: | ||
| Average total assets | $132,030,000 | 4,210 |
| Average earning assets | $117,538,000 | 4,262 |
| Average equity | $9,012,500 | 5,326 |
| Average total loans | $84,303,000 | 4,127 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3448% | 2,916 |
| Cost of funding earning assets | 1.3173% | 3,769 |
| Net interest margin | 4.0275% | 2,898 |
| Noninterest income to average assets | 0.4150% | 4,780 |
| Noninterest expense to average assets | 3.4704% | 2,251 |
| Loan and lease loss provision to assets | 2.7454% | 377 |
| Net operating income to assets | -1.4083% | 6,881 |
| Return on assets (ROA) | -1.2081% | 6,811 |
| Pretax return on assets | -1.8963% | 6,990 |
| Return on Equity (ROE) | -15.8936% | 6,949 |
| Retained earnings to average equity (ytd only) | -15.8936% | 6,916 |
| Net charge-offs to loans | 3.0330% | 539 |
| Credit loss provision to net charge-offs | 135.1729% | 2,881 |
| Earnings coverage of net charge-offs (x) | 0.2641% | 5,845 |
| Efficiency ratio | 86.6147% | 1,610 |
| Assets per employee ($millions) | 3.6872% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1126% | 363 |
| Loan loss allowance to noncurrent loans | 67.7481% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 5.9041% | 1,015 |
| Noncurrent loans to loans | 6.0704% | 1,020 |
| Net loans and leases to total assets | 62.3562% | 4,212 |
| Net loans and leases to deposits | 67.2744% | 5,201 |
| Net loans and leases to core deposits | 70.1217% | 5,434 |
| Total domestic deposits to total assets | 92.6894% | 165 |
| Equity capital to assets | 6.8578% | 7,157 |
| Core capital (leverage) ratio | 6.3595% | 7,227 |
| Tier 1 risk-based capital ratio | 10.0046% | 6,981 |
| Total risk-based capital ratio | 11.2868% | 6,956 |
| Memoranda: | ||
| Average total assets | $140,962,400 | 4,039 |
| Average earning assets | $125,710,600 | 4,112 |
| Average equity | $10,715,000 | 4,928 |
| Average total loans | $94,395,800 | 3,943 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3745% | 3,000 |
| Cost of funding earning assets | 1.3222% | 4,096 |
| Net interest margin | 4.0523% | 2,847 |
| Noninterest income to average assets | 0.6181% | 3,330 |
| Noninterest expense to average assets | 3.1706% | 3,024 |
| Loan and lease loss provision to assets | 1.9167% | 635 |
| Net operating income to assets | -0.5026% | 6,590 |
| Return on assets (ROA) | -0.3487% | 6,516 |
| Pretax return on assets | -0.6199% | 6,629 |
| Return on Equity (ROE) | -4.4851% | 6,606 |
| Retained earnings to average equity (ytd only) | -4.4851% | 6,512 |
| Net charge-offs to loans | 1.4755% | 1,366 |
| Credit loss provision to net charge-offs | 192.6898% | 1,856 |
| Earnings coverage of net charge-offs (x) | 1.0619% | 4,993 |
| Efficiency ratio | 75.0110% | 3,142 |
| Assets per employee ($millions) | 3.3361% | 5,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8751% | 408 |
| Loan loss allowance to noncurrent loans | 57.4870% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 6.6810% | 843 |
| Noncurrent loans to loans | 6.7408% | 866 |
| Net loans and leases to total assets | 61.0759% | 4,701 |
| Net loans and leases to deposits | 70.7552% | 5,042 |
| Net loans and leases to core deposits | 73.9871% | 5,295 |
| Total domestic deposits to total assets | 86.3201% | 2,901 |
| Equity capital to assets | 7.6493% | 7,031 |
| Core capital (leverage) ratio | 7.3762% | 6,960 |
| Tier 1 risk-based capital ratio | 11.0822% | 6,306 |
| Total risk-based capital ratio | 12.3623% | 6,268 |
| Memoranda: | ||
| Average total assets | $143,018,250 | 4,056 |
| Average earning assets | $127,364,250 | 4,123 |
| Average equity | $11,118,000 | 4,894 |
| Average total loans | $96,414,500 | 3,957 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4680% | 2,663 |
| Cost of funding earning assets | 1.3433% | 4,232 |
| Net interest margin | 4.1246% | 2,452 |
| Noninterest income to average assets | 0.5501% | 3,717 |
| Noninterest expense to average assets | 3.1580% | 3,060 |
| Loan and lease loss provision to assets | 1.4432% | 926 |
| Net operating income to assets | -0.1944% | 6,354 |
| Return on assets (ROA) | -0.0672% | 6,270 |
| Pretax return on assets | -0.1946% | 6,333 |
| Return on Equity (ROE) | -0.8597% | 6,302 |
| Retained earnings to average equity (ytd only) | -0.8597% | 5,941 |
| Net charge-offs to loans | 1.4750% | 1,294 |
| Credit loss provision to net charge-offs | 142.4033% | 2,796 |
| Earnings coverage of net charge-offs (x) | 1.0359% | 4,752 |
| Efficiency ratio | 75.0499% | 3,252 |
| Assets per employee ($millions) | 3.1449% | 5,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0065% | 816 |
| Loan loss allowance to noncurrent loans | 55.5447% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 6.7532% | 803 |
| Noncurrent loans to loans | 5.4127% | 1,225 |
| Net loans and leases to total assets | 64.9708% | 4,047 |
| Net loans and leases to deposits | 75.5476% | 4,416 |
| Net loans and leases to core deposits | 79.4961% | 4,739 |
| Total domestic deposits to total assets | 85.9998% | 3,091 |
| Equity capital to assets | 7.9021% | 6,846 |
| Core capital (leverage) ratio | 7.6152% | 6,716 |
| Tier 1 risk-based capital ratio | 10.6782% | 6,546 |
| Total risk-based capital ratio | 11.9474% | 6,520 |
| Memoranda: | ||
| Average total assets | $142,874,000 | 4,074 |
| Average earning assets | $126,701,670 | 4,164 |
| Average equity | $11,166,330 | 4,887 |
| Average total loans | $98,170,670 | 3,955 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4856% | 2,652 |
| Cost of funding earning assets | 1.3659% | 4,388 |
| Net interest margin | 4.1197% | 2,356 |
| Noninterest income to average assets | 0.5266% | 3,842 |
| Noninterest expense to average assets | 3.1543% | 3,036 |
| Loan and lease loss provision to assets | 0.9753% | 1,279 |
| Net operating income to assets | 0.0892% | 6,055 |
| Return on assets (ROA) | 0.0892% | 6,152 |
| Pretax return on assets | 0.0446% | 6,270 |
| Return on Equity (ROE) | 1.1472% | 6,081 |
| Retained earnings to average equity (ytd only) | 1.1472% | 5,358 |
| Net charge-offs to loans | 2.3073% | 728 |
| Credit loss provision to net charge-offs | 60.7639% | 4,281 |
| Earnings coverage of net charge-offs (x) | 0.6354% | 4,459 |
| Efficiency ratio | 75.5674% | 3,295 |
| Assets per employee ($millions) | 3.3210% | 5,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3540% | 1,485 |
| Loan loss allowance to noncurrent loans | 103.5284% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 5.6932% | 1,073 |
| Noncurrent loans to loans | 2.2738% | 3,430 |
| Net loans and leases to total assets | 67.3319% | 3,543 |
| Net loans and leases to deposits | 78.1838% | 4,008 |
| Net loans and leases to core deposits | 83.3062% | 4,297 |
| Total domestic deposits to total assets | 86.1200% | 3,085 |
| Equity capital to assets | 7.8381% | 6,821 |
| Core capital (leverage) ratio | 7.6372% | 6,693 |
| Tier 1 risk-based capital ratio | 10.2070% | 6,881 |
| Total risk-based capital ratio | 11.4682% | 6,866 |
| Memoranda: | ||
| Average total assets | $143,551,500 | 4,134 |
| Average earning assets | $127,096,000 | 4,213 |
| Average equity | $11,158,000 | 4,934 |
| Average total loans | $99,858,000 | 3,963 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8774% | 2,336 |
| Cost of funding earning assets | 1.7932% | 4,023 |
| Net interest margin | 4.0842% | 2,513 |
| Noninterest income to average assets | 0.4944% | 4,457 |
| Noninterest expense to average assets | 3.2719% | 3,118 |
| Loan and lease loss provision to assets | 2.1445% | 983 |
| Net operating income to assets | -0.7551% | 6,406 |
| Return on assets (ROA) | -0.7405% | 6,391 |
| Pretax return on assets | -1.1849% | 6,533 |
| Return on Equity (ROE) | -9.1429% | 6,551 |
| Retained earnings to average equity (ytd only) | -9.1429% | 6,445 |
| Net charge-offs to loans | 2.5395% | 904 |
| Credit loss provision to net charge-offs | 117.9634% | 4,590 |
| Earnings coverage of net charge-offs (x) | 0.5153% | 5,598 |
| Efficiency ratio | 77.7430% | 3,235 |
| Assets per employee ($millions) | 3.4357% | 5,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5117% | 1,206 |
| Loan loss allowance to noncurrent loans | 304.5509% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 4.4498% | 1,453 |
| Noncurrent loans to loans | 0.8247% | 5,643 |
| Net loans and leases to total assets | 68.4012% | 3,612 |
| Net loans and leases to deposits | 79.2375% | 4,128 |
| Net loans and leases to core deposits | 102.2787% | 3,775 |
| Total domestic deposits to total assets | 86.3243% | 2,857 |
| Equity capital to assets | 7.7082% | 6,852 |
| Core capital (leverage) ratio | 7.4332% | 6,849 |
| Tier 1 risk-based capital ratio | 9.9514% | 6,917 |
| Total risk-based capital ratio | 11.2146% | 6,881 |
| Memoranda: | ||
| Average total assets | $144,227,200 | 4,040 |
| Average earning assets | $131,163,000 | 4,063 |
| Average equity | $11,681,200 | 4,817 |
| Average total loans | $103,249,400 | 3,865 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9265% | 2,332 |
| Cost of funding earning assets | 1.8883% | 3,939 |
| Net interest margin | 4.0382% | 2,643 |
| Noninterest income to average assets | 0.7304% | 2,823 |
| Noninterest expense to average assets | 3.2286% | 3,198 |
| Loan and lease loss provision to assets | 0.9847% | 1,942 |
| Net operating income to assets | 0.1948% | 5,179 |
| Return on assets (ROA) | 0.2228% | 5,162 |
| Pretax return on assets | 0.2432% | 5,206 |
| Return on Equity (ROE) | 2.7184% | 4,907 |
| Retained earnings to average equity (ytd only) | 2.7184% | 3,812 |
| Net charge-offs to loans | 1.9392% | 1,026 |
| Credit loss provision to net charge-offs | 70.5765% | 5,973 |
| Earnings coverage of net charge-offs (x) | 0.8582% | 5,201 |
| Efficiency ratio | 72.9476% | 4,059 |
| Assets per employee ($millions) | 3.2324% | 5,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5930% | 3,019 |
| Loan loss allowance to noncurrent loans | 496.3415% | 640 |
| Noncurrent assets plus other real estate owned to assets | 3.5303% | 1,877 |
| Noncurrent loans to loans | 0.3209% | 6,714 |
| Net loans and leases to total assets | 69.1419% | 3,684 |
| Net loans and leases to deposits | 80.9457% | 4,208 |
| Net loans and leases to core deposits | 104.3019% | 3,900 |
| Total domestic deposits to total assets | 85.4176% | 3,016 |
| Equity capital to assets | 8.6191% | 6,087 |
| Core capital (leverage) ratio | 8.3315% | 5,780 |
| Tier 1 risk-based capital ratio | 11.0790% | 5,872 |
| Total risk-based capital ratio | 12.3319% | 5,828 |
| Memoranda: | ||
| Average total assets | $144,209,000 | 4,067 |
| Average earning assets | $131,969,750 | 4,069 |
| Average equity | $11,820,750 | 4,843 |
| Average total loans | $103,750,250 | 3,888 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9316% | 2,453 |
| Cost of funding earning assets | 2.0095% | 3,728 |
| Net interest margin | 3.9221% | 3,011 |
| Noninterest income to average assets | 0.6635% | 3,242 |
| Noninterest expense to average assets | 3.2435% | 3,174 |
| Loan and lease loss provision to assets | 0.9041% | 1,869 |
| Net operating income to assets | 0.1419% | 5,446 |
| Return on assets (ROA) | 0.1766% | 5,435 |
| Pretax return on assets | 0.1558% | 5,557 |
| Return on Equity (ROE) | 2.1931% | 5,220 |
| Retained earnings to average equity (ytd only) | 2.1931% | 4,120 |
| Net charge-offs to loans | 1.5384% | 1,230 |
| Credit loss provision to net charge-offs | 81.0474% | 5,168 |
| Earnings coverage of net charge-offs (x) | 0.9190% | 4,846 |
| Efficiency ratio | 75.9857% | 3,690 |
| Assets per employee ($millions) | 3.2290% | 5,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8336% | 1,959 |
| Loan loss allowance to noncurrent loans | 130.7902% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 2.9042% | 2,197 |
| Noncurrent loans to loans | 1.4020% | 4,410 |
| Net loans and leases to total assets | 70.7404% | 3,525 |
| Net loans and leases to deposits | 82.8357% | 4,079 |
| Net loans and leases to core deposits | 106.4542% | 3,783 |
| Total domestic deposits to total assets | 85.3984% | 3,064 |
| Equity capital to assets | 8.4456% | 6,130 |
| Core capital (leverage) ratio | 8.2050% | 5,973 |
| Tier 1 risk-based capital ratio | 10.9237% | 5,963 |
| Total risk-based capital ratio | 12.1798% | 5,893 |
| Memoranda: | ||
| Average total assets | $143,793,330 | 4,105 |
| Average earning assets | $132,174,000 | 4,097 |
| Average equity | $11,582,000 | 4,928 |
| Average total loans | $104,267,330 | 3,904 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8863% | 2,865 |
| Cost of funding earning assets | 2.1706% | 3,317 |
| Net interest margin | 3.7158% | 3,827 |
| Noninterest income to average assets | 0.8473% | 2,091 |
| Noninterest expense to average assets | 3.2104% | 2,942 |
| Loan and lease loss provision to assets | 0.3496% | 3,222 |
| Net operating income to assets | 0.5229% | 4,323 |
| Return on assets (ROA) | 0.5229% | 4,511 |
| Pretax return on assets | 0.7103% | 4,401 |
| Return on Equity (ROE) | 6.6566% | 3,736 |
| Retained earnings to average equity (ytd only) | 6.6566% | 2,344 |
| Net charge-offs to loans | 1.3725% | 1,030 |
| Credit loss provision to net charge-offs | 35.0140% | 4,885 |
| Earnings coverage of net charge-offs (x) | 1.0616% | 4,232 |
| Efficiency ratio | 75.1801% | 3,625 |
| Assets per employee ($millions) | 3.3280% | 5,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7443% | 1,998 |
| Loan loss allowance to noncurrent loans | 72.6125% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 2.7538% | 2,061 |
| Noncurrent loans to loans | 2.4022% | 2,749 |
| Net loans and leases to total assets | 69.2079% | 3,869 |
| Net loans and leases to deposits | 80.6821% | 4,502 |
| Net loans and leases to core deposits | 102.9685% | 4,244 |
| Total domestic deposits to total assets | 85.7785% | 2,837 |
| Equity capital to assets | 8.2693% | 6,432 |
| Core capital (leverage) ratio | 8.4863% | 5,569 |
| Tier 1 risk-based capital ratio | 10.8278% | 6,067 |
| Total risk-based capital ratio | 12.0827% | 5,970 |
| Memoranda: | ||
| Average total assets | $143,037,000 | 4,127 |
| Average earning assets | $131,762,500 | 4,112 |
| Average equity | $11,237,000 | 5,046 |
| Average total loans | $104,046,000 | 3,934 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9322% | 1,301 |
| Cost of funding earning assets | 2.4284% | 4,584 |
| Net interest margin | 4.5039% | 1,410 |
| Noninterest income to average assets | 0.9191% | 1,889 |
| Noninterest expense to average assets | 3.7394% | 1,877 |
| Loan and lease loss provision to assets | 1.0855% | 1,339 |
| Net operating income to assets | 0.1811% | 5,904 |
| Return on assets (ROA) | 0.2240% | 5,600 |
| Pretax return on assets | 0.2635% | 5,593 |
| Return on Equity (ROE) | 2.7355% | 5,330 |
| Retained earnings to average equity (ytd only) | 0.3660% | 5,028 |
| Net charge-offs to loans | 0.2353% | 3,894 |
| Credit loss provision to net charge-offs | 634.1014% | 674 |
| Earnings coverage of net charge-offs (x) | 7.5853% | 3,073 |
| Efficiency ratio | 74.2249% | 3,536 |
| Assets per employee ($millions) | 3.0292% | 5,989 |
| Cash dividends to net income (ytd only)* | 86.6197% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0194% | 1,187 |
| Loan loss allowance to noncurrent loans | 386.5672% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 1.3667% | 3,465 |
| Noncurrent loans to loans | 0.5224% | 5,787 |
| Net loans and leases to total assets | 73.7520% | 3,170 |
| Net loans and leases to deposits | 85.8107% | 4,143 |
| Net loans and leases to core deposits | 107.0991% | 4,067 |
| Total domestic deposits to total assets | 85.9473% | 2,423 |
| Equity capital to assets | 7.4020% | 7,462 |
| Core capital (leverage) ratio | 7.2917% | 7,428 |
| Tier 1 risk-based capital ratio | 9.1372% | 7,678 |
| Total risk-based capital ratio | 10.3953% | 7,638 |
| Memoranda: | ||
| Average total assets | $126,758,000 | 4,356 |
| Average earning assets | $115,922,000 | 4,366 |
| Average equity | $10,382,200 | 5,296 |
| Average total loans | $92,206,400 | 4,153 |