Home > Collinsville Bank > Performance and Condition Ratios
Collinsville Bank, Performance and Condition Ratios
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8593% | 3,136 |
| Cost of funding earning assets | 0.6505% | 1,990 |
| Net interest margin | 3.2089% | 3,334 |
| Noninterest income to average assets | 0.4934% | 2,662 |
| Noninterest expense to average assets | 3.4916% | 695 |
| Loan and lease loss provision to assets | 0.0891% | 3,249 |
| Net operating income to assets | -0.0412% | 4,754 |
| Return on assets (ROA) | -0.0399% | 4,788 |
| Pretax return on assets | -0.0950% | 4,796 |
| Return on Equity (ROE) | -0.4668% | 4,795 |
| Retained earnings to average equity (ytd only) | -2.2648% | 4,725 |
| Net charge-offs to loans | 0.0013% | 3,374 |
| Credit loss provision to net charge-offs | 8,250.0000% | 128 |
| Earnings coverage of net charge-offs (x) | -7.0000% | 3,391 |
| Efficiency ratio | 91.8345% | 320 |
| Assets per employee ($millions) | 5.0554% | 3,334 |
| Cash dividends to net income (ytd only)* | -385.1351% | 4,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 3,894 |
| Loan loss allowance to noncurrent loans | 89.7546% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 0.8485% | 1,180 |
| Noncurrent loans to loans | 1.1064% | 1,284 |
| Net loans and leases to total assets | 75.9263% | 796 |
| Net loans and leases to deposits | 83.2909% | 1,514 |
| Net loans and leases to core deposits | 89.5676% | 1,564 |
| Total domestic deposits to total assets | 91.1580% | 189 |
| Equity capital to assets | 8.1934% | 4,628 |
| Core capital (leverage) ratio | 8.1874% | 4,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,246,000 | 3,061 |
| Average earning assets | $172,646,800 | 3,047 |
| Average equity | $15,851,600 | 3,572 |
| Average total loans | $149,778,400 | 2,665 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8163% | 3,512 |
| Cost of funding earning assets | 0.7122% | 1,949 |
| Net interest margin | 3.1041% | 3,723 |
| Noninterest income to average assets | 0.3872% | 3,146 |
| Noninterest expense to average assets | 3.0882% | 1,252 |
| Loan and lease loss provision to assets | 0.0763% | 3,366 |
| Net operating income to assets | 0.0891% | 4,714 |
| Return on assets (ROA) | 0.0908% | 4,737 |
| Pretax return on assets | 0.1155% | 4,718 |
| Return on Equity (ROE) | 1.0495% | 4,702 |
| Retained earnings to average equity (ytd only) | -0.2435% | 4,519 |
| Net charge-offs to loans | 0.0018% | 3,145 |
| Credit loss provision to net charge-offs | 5,250.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 130.5000% | 660 |
| Efficiency ratio | 94.2154% | 258 |
| Assets per employee ($millions) | 4.8864% | 3,394 |
| Cash dividends to net income (ytd only)* | 123.2000% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 4,067 |
| Loan loss allowance to noncurrent loans | 78.8202% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 0.9586% | 1,168 |
| Noncurrent loans to loans | 1.1434% | 1,325 |
| Net loans and leases to total assets | 83.0816% | 355 |
| Net loans and leases to deposits | 91.5239% | 1,115 |
| Net loans and leases to core deposits | 98.3902% | 1,280 |
| Total domestic deposits to total assets | 90.7758% | 216 |
| Equity capital to assets | 8.5904% | 4,408 |
| Core capital (leverage) ratio | 8.0114% | 4,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,531,000 | 3,063 |
| Average earning assets | $170,911,000 | 3,052 |
| Average equity | $15,879,500 | 3,565 |
| Average total loans | $150,392,500 | 2,664 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8461% | 3,753 |
| Cost of funding earning assets | 0.7810% | 1,927 |
| Net interest margin | 3.0651% | 3,981 |
| Noninterest income to average assets | 0.3424% | 3,421 |
| Noninterest expense to average assets | 3.0293% | 1,509 |
| Loan and lease loss provision to assets | 0.0656% | 3,473 |
| Net operating income to assets | 0.0718% | 4,717 |
| Return on assets (ROA) | 0.0744% | 4,739 |
| Pretax return on assets | 0.1017% | 4,725 |
| Return on Equity (ROE) | 0.8577% | 4,702 |
| Retained earnings to average equity (ytd only) | -0.9586% | 4,473 |
| Net charge-offs to loans | 0.0040% | 2,836 |
| Credit loss provision to net charge-offs | 2,000.0000% | 478 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 1,107 |
| Efficiency ratio | 94.8613% | 273 |
| Assets per employee ($millions) | 5.4281% | 2,710 |
| Cash dividends to net income (ytd only)* | 211.7647% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8628% | 4,148 |
| Loan loss allowance to noncurrent loans | 70.1446% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.9907% | 1,215 |
| Noncurrent loans to loans | 1.2301% | 1,270 |
| Net loans and leases to total assets | 79.8465% | 607 |
| Net loans and leases to deposits | 91.0007% | 1,268 |
| Net loans and leases to core deposits | 97.6866% | 1,435 |
| Total domestic deposits to total assets | 87.7427% | 1,310 |
| Equity capital to assets | 8.1434% | 4,655 |
| Core capital (leverage) ratio | 7.8574% | 4,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5170% | 3,082 |
| Memoranda: | ||
| Average total assets | $182,813,000 | 3,051 |
| Average earning assets | $170,041,667 | 3,045 |
| Average equity | $15,855,667 | 3,563 |
| Average total loans | $148,632,333 | 2,668 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0470% | 3,663 |
| Cost of funding earning assets | 0.8964% | 1,888 |
| Net interest margin | 3.1507% | 3,980 |
| Noninterest income to average assets | 0.3082% | 3,667 |
| Noninterest expense to average assets | 3.1703% | 1,486 |
| Loan and lease loss provision to assets | 0.0340% | 3,342 |
| Net operating income to assets | -0.0159% | 4,759 |
| Return on assets (ROA) | -0.0159% | 4,750 |
| Pretax return on assets | 0.0272% | 4,719 |
| Return on Equity (ROE) | -0.1769% | 4,754 |
| Retained earnings to average equity (ytd only) | -3.3866% | 4,396 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1066% | 275 |
| Assets per employee ($millions) | 4.8253% | 2,845 |
| Cash dividends to net income (ytd only)* | -1,814.2857% | 5,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 4,106 |
| Loan loss allowance to noncurrent loans | 100.4580% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.7144% | 1,879 |
| Noncurrent loans to loans | 0.8962% | 1,821 |
| Net loans and leases to total assets | 78.9985% | 822 |
| Net loans and leases to deposits | 91.9749% | 1,285 |
| Net loans and leases to core deposits | 106.9452% | 1,004 |
| Total domestic deposits to total assets | 85.8914% | 2,038 |
| Equity capital to assets | 8.6419% | 4,777 |
| Core capital (leverage) ratio | 8.7710% | 4,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3933% | 2,975 |
| Memoranda: | ||
| Average total assets | $176,514,500 | 3,068 |
| Average earning assets | $163,774,500 | 3,072 |
| Average equity | $15,827,000 | 3,572 |
| Average total loans | $144,255,500 | 2,689 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3676% | 3,339 |
| Cost of funding earning assets | 1.0317% | 1,591 |
| Net interest margin | 3.3359% | 3,904 |
| Noninterest income to average assets | 0.3416% | 3,660 |
| Noninterest expense to average assets | 3.0413% | 1,906 |
| Loan and lease loss provision to assets | 0.0358% | 3,294 |
| Net operating income to assets | 0.2726% | 4,778 |
| Return on assets (ROA) | 0.3996% | 4,624 |
| Pretax return on assets | 0.5286% | 4,523 |
| Return on Equity (ROE) | 4.3026% | 4,396 |
| Retained earnings to average equity (ytd only) | 2.5275% | 3,763 |
| Net charge-offs to loans | 0.0092% | 3,355 |
| Credit loss provision to net charge-offs | 461.5385% | 628 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 1,099 |
| Efficiency ratio | 86.0264% | 538 |
| Assets per employee ($millions) | 4.7129% | 2,933 |
| Cash dividends to net income (ytd only)* | 41.2556% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 3,902 |
| Loan loss allowance to noncurrent loans | 93.5925% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.8988% | 1,415 |
| Noncurrent loans to loans | 0.9758% | 1,564 |
| Net loans and leases to total assets | 83.1286% | 412 |
| Net loans and leases to deposits | 102.4055% | 450 |
| Net loans and leases to core deposits | 116.1022% | 592 |
| Total domestic deposits to total assets | 81.1760% | 3,728 |
| Equity capital to assets | 9.3171% | 4,480 |
| Core capital (leverage) ratio | 9.0026% | 4,530 |
| Tier 1 risk-based capital ratio | 11.5780% | 4,587 |
| Total risk-based capital ratio | 12.6110% | 4,586 |
| Memoranda: | ||
| Average total assets | $167,428,600 | 3,128 |
| Average earning assets | $155,760,600 | 3,126 |
| Average equity | $15,548,800 | 3,587 |
| Average total loans | $141,198,200 | 2,708 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3873% | 3,402 |
| Cost of funding earning assets | 1.0437% | 1,565 |
| Net interest margin | 3.3436% | 4,006 |
| Noninterest income to average assets | 0.3388% | 3,703 |
| Noninterest expense to average assets | 3.0258% | 1,909 |
| Loan and lease loss provision to assets | 0.0360% | 3,173 |
| Net operating income to assets | 0.2914% | 4,853 |
| Return on assets (ROA) | 0.4466% | 4,662 |
| Pretax return on assets | 0.5889% | 4,561 |
| Return on Equity (ROE) | 4.8134% | 4,376 |
| Retained earnings to average equity (ytd only) | 2.6952% | 4,014 |
| Net charge-offs to loans | 0.0114% | 2,956 |
| Credit loss provision to net charge-offs | 375.0000% | 807 |
| Earnings coverage of net charge-offs (x) | 44.6656% | 1,277 |
| Efficiency ratio | 85.3343% | 532 |
| Assets per employee ($millions) | 4.7361% | 2,866 |
| Cash dividends to net income (ytd only)* | 44.0072% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9157% | 3,982 |
| Loan loss allowance to noncurrent loans | 126.0529% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.6159% | 2,156 |
| Noncurrent loans to loans | 0.7264% | 2,150 |
| Net loans and leases to total assets | 84.0129% | 357 |
| Net loans and leases to deposits | 105.1771% | 354 |
| Net loans and leases to core deposits | 116.2413% | 646 |
| Total domestic deposits to total assets | 79.8775% | 4,015 |
| Equity capital to assets | 9.5026% | 4,449 |
| Core capital (leverage) ratio | 8.9907% | 4,646 |
| Tier 1 risk-based capital ratio | 12.1705% | 4,332 |
| Total risk-based capital ratio | 13.2463% | 4,308 |
| Memoranda: | ||
| Average total assets | $166,869,250 | 3,161 |
| Average earning assets | $155,475,750 | 3,161 |
| Average equity | $15,484,000 | 3,631 |
| Average total loans | $140,912,500 | 2,740 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3560% | 3,470 |
| Cost of funding earning assets | 1.0197% | 1,603 |
| Net interest margin | 3.3363% | 4,059 |
| Noninterest income to average assets | 0.3516% | 3,585 |
| Noninterest expense to average assets | 3.0232% | 1,940 |
| Loan and lease loss provision to assets | 0.0359% | 3,100 |
| Net operating income to assets | 0.3005% | 4,873 |
| Return on assets (ROA) | 0.5130% | 4,534 |
| Pretax return on assets | 0.6721% | 4,397 |
| Return on Equity (ROE) | 5.5734% | 4,183 |
| Retained earnings to average equity (ytd only) | 2.6633% | 3,870 |
| Net charge-offs to loans | 0.0156% | 2,582 |
| Credit loss provision to net charge-offs | 272.7273% | 954 |
| Earnings coverage of net charge-offs (x) | 33.3636% | 1,379 |
| Efficiency ratio | 85.0777% | 590 |
| Assets per employee ($millions) | 5.0763% | 2,380 |
| Cash dividends to net income (ytd only)* | 52.2145% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8950% | 4,114 |
| Loan loss allowance to noncurrent loans | 139.7366% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.5278% | 2,444 |
| Noncurrent loans to loans | 0.6405% | 2,340 |
| Net loans and leases to total assets | 81.6702% | 653 |
| Net loans and leases to deposits | 101.7336% | 562 |
| Net loans and leases to core deposits | 118.7076% | 584 |
| Total domestic deposits to total assets | 80.2785% | 3,977 |
| Equity capital to assets | 9.0351% | 4,777 |
| Core capital (leverage) ratio | 8.8958% | 4,717 |
| Tier 1 risk-based capital ratio | 11.6897% | 4,581 |
| Total risk-based capital ratio | 12.7214% | 4,591 |
| Memoranda: | ||
| Average total assets | $167,237,330 | 3,183 |
| Average earning assets | $155,922,000 | 3,171 |
| Average equity | $15,394,670 | 3,647 |
| Average total loans | $141,033,000 | 2,751 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3638% | 3,362 |
| Cost of funding earning assets | 0.9651% | 1,719 |
| Net interest margin | 3.3987% | 3,888 |
| Noninterest income to average assets | 0.3743% | 3,355 |
| Noninterest expense to average assets | 3.0238% | 1,921 |
| Loan and lease loss provision to assets | 0.0365% | 2,891 |
| Net operating income to assets | 0.3501% | 4,832 |
| Return on assets (ROA) | 0.7438% | 3,841 |
| Pretax return on assets | 0.9796% | 3,510 |
| Return on Equity (ROE) | 8.0026% | 3,261 |
| Retained earnings to average equity (ytd only) | 2.6414% | 3,875 |
| Net charge-offs to loans | 0.0342% | 1,781 |
| Credit loss provision to net charge-offs | 125.0000% | 1,383 |
| Earnings coverage of net charge-offs (x) | 17.7500% | 1,648 |
| Efficiency ratio | 83.1160% | 782 |
| Assets per employee ($millions) | 4.8607% | 2,691 |
| Cash dividends to net income (ytd only)* | 66.9935% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8859% | 4,215 |
| Loan loss allowance to noncurrent loans | 136.1863% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.5585% | 2,412 |
| Noncurrent loans to loans | 0.6505% | 2,390 |
| Net loans and leases to total assets | 85.0965% | 267 |
| Net loans and leases to deposits | 109.4097% | 231 |
| Net loans and leases to core deposits | 129.5548% | 312 |
| Total domestic deposits to total assets | 77.7778% | 4,551 |
| Equity capital to assets | 9.3233% | 4,407 |
| Core capital (leverage) ratio | 9.0652% | 4,605 |
| Tier 1 risk-based capital ratio | 11.8506% | 4,540 |
| Total risk-based capital ratio | 12.8909% | 4,542 |
| Memoranda: | ||
| Average total assets | $164,559,500 | 3,242 |
| Average earning assets | $153,353,000 | 3,230 |
| Average equity | $15,295,000 | 3,673 |
| Average total loans | $140,434,500 | 2,795 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2410% | 3,310 |
| Cost of funding earning assets | 0.8028% | 1,511 |
| Net interest margin | 3.4382% | 3,885 |
| Noninterest income to average assets | 0.2775% | 4,246 |
| Noninterest expense to average assets | 2.9043% | 2,338 |
| Loan and lease loss provision to assets | 0.0733% | 2,666 |
| Net operating income to assets | 0.3776% | 4,896 |
| Return on assets (ROA) | 0.4254% | 4,812 |
| Pretax return on assets | 0.5617% | 4,702 |
| Return on Equity (ROE) | 4.6099% | 4,559 |
| Retained earnings to average equity (ytd only) | 2.1129% | 4,313 |
| Net charge-offs to loans | -0.0022% | 4,242 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2017% | 868 |
| Assets per employee ($millions) | 5.1205% | 2,359 |
| Cash dividends to net income (ytd only)* | 54.1667% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9023% | 4,148 |
| Loan loss allowance to noncurrent loans | 125.9036% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.6079% | 2,216 |
| Noncurrent loans to loans | 0.7167% | 2,195 |
| Net loans and leases to total assets | 84.0525% | 412 |
| Net loans and leases to deposits | 106.5670% | 346 |
| Net loans and leases to core deposits | 125.4532% | 410 |
| Total domestic deposits to total assets | 78.8729% | 4,337 |
| Equity capital to assets | 9.2655% | 4,354 |
| Core capital (leverage) ratio | 9.0325% | 4,623 |
| Tier 1 risk-based capital ratio | 11.5796% | 4,681 |
| Total risk-based capital ratio | 12.5989% | 4,700 |
| Memoranda: | ||
| Average total assets | $163,621,600 | 3,232 |
| Average earning assets | $152,346,000 | 3,219 |
| Average equity | $15,098,000 | 3,633 |
| Average total loans | $138,047,600 | 2,791 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1778% | 3,389 |
| Cost of funding earning assets | 0.7703% | 1,482 |
| Net interest margin | 3.4076% | 3,987 |
| Noninterest income to average assets | 0.3057% | 4,103 |
| Noninterest expense to average assets | 2.8465% | 2,469 |
| Loan and lease loss provision to assets | 0.0734% | 2,485 |
| Net operating income to assets | 0.4143% | 4,926 |
| Return on assets (ROA) | 0.4671% | 4,832 |
| Pretax return on assets | 0.6260% | 4,685 |
| Return on Equity (ROE) | 5.0672% | 4,537 |
| Retained earnings to average equity (ytd only) | 2.0958% | 4,545 |
| Net charge-offs to loans | -0.0068% | 4,298 |
| Credit loss provision to net charge-offs | -1,285.7143% | 4,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5220% | 990 |
| Assets per employee ($millions) | 5.2742% | 2,148 |
| Cash dividends to net income (ytd only)* | 58.6390% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8823% | 4,333 |
| Loan loss allowance to noncurrent loans | 100.5733% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.7468% | 1,987 |
| Noncurrent loans to loans | 0.8773% | 1,948 |
| Net loans and leases to total assets | 84.3726% | 414 |
| Net loans and leases to deposits | 108.3303% | 343 |
| Net loans and leases to core deposits | 127.8759% | 367 |
| Total domestic deposits to total assets | 77.8845% | 4,497 |
| Equity capital to assets | 9.3253% | 4,248 |
| Core capital (leverage) ratio | 8.9582% | 4,740 |
| Tier 1 risk-based capital ratio | 11.4384% | 4,830 |
| Total risk-based capital ratio | 12.5217% | 4,811 |
| Memoranda: | ||
| Average total assets | $163,563,000 | 3,261 |
| Average earning assets | $152,323,500 | 3,246 |
| Average equity | $15,077,000 | 3,651 |
| Average total loans | $137,814,750 | 2,816 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1275% | 3,355 |
| Cost of funding earning assets | 0.7325% | 1,457 |
| Net interest margin | 3.3949% | 3,968 |
| Noninterest income to average assets | 0.2836% | 4,286 |
| Noninterest expense to average assets | 2.8194% | 2,604 |
| Loan and lease loss provision to assets | 0.0734% | 2,419 |
| Net operating income to assets | 0.4037% | 4,952 |
| Return on assets (ROA) | 0.4829% | 4,790 |
| Pretax return on assets | 0.6529% | 4,634 |
| Return on Equity (ROE) | 5.2595% | 4,472 |
| Retained earnings to average equity (ytd only) | 1.0253% | 4,748 |
| Net charge-offs to loans | -0.0087% | 4,277 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5245% | 1,064 |
| Assets per employee ($millions) | 5.1309% | 2,261 |
| Cash dividends to net income (ytd only)* | 80.5063% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8598% | 4,515 |
| Loan loss allowance to noncurrent loans | 119.8397% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.6078% | 2,402 |
| Noncurrent loans to loans | 0.7175% | 2,318 |
| Net loans and leases to total assets | 83.9886% | 461 |
| Net loans and leases to deposits | 107.3018% | 378 |
| Net loans and leases to core deposits | 128.0849% | 367 |
| Total domestic deposits to total assets | 78.2732% | 4,544 |
| Equity capital to assets | 9.1498% | 4,432 |
| Core capital (leverage) ratio | 8.8540% | 4,836 |
| Tier 1 risk-based capital ratio | 11.4570% | 4,800 |
| Total risk-based capital ratio | 12.4743% | 4,834 |
| Memoranda: | ||
| Average total assets | $163,583,670 | 3,278 |
| Average earning assets | $152,344,670 | 3,259 |
| Average equity | $15,020,330 | 3,682 |
| Average total loans | $137,360,330 | 2,828 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0637% | 3,357 |
| Cost of funding earning assets | 0.7171% | 1,358 |
| Net interest margin | 3.3466% | 4,062 |
| Noninterest income to average assets | 0.2719% | 4,350 |
| Noninterest expense to average assets | 2.7854% | 2,754 |
| Loan and lease loss provision to assets | 0.0735% | 2,297 |
| Net operating income to assets | 0.3582% | 5,000 |
| Return on assets (ROA) | 0.3969% | 4,936 |
| Pretax return on assets | 0.5830% | 4,726 |
| Return on Equity (ROE) | 4.3145% | 4,676 |
| Retained earnings to average equity (ytd only) | -2.6899% | 5,060 |
| Net charge-offs to loans | -0.0059% | 4,060 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7112% | 1,174 |
| Assets per employee ($millions) | 5.1173% | 2,339 |
| Cash dividends to net income (ytd only)* | 162.3457% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8490% | 4,641 |
| Loan loss allowance to noncurrent loans | 117.5935% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 2,501 |
| Noncurrent loans to loans | 0.7220% | 2,407 |
| Net loans and leases to total assets | 82.9389% | 542 |
| Net loans and leases to deposits | 106.0135% | 380 |
| Net loans and leases to core deposits | 123.7201% | 479 |
| Total domestic deposits to total assets | 78.2343% | 4,694 |
| Equity capital to assets | 9.1003% | 4,455 |
| Core capital (leverage) ratio | 8.7646% | 4,936 |
| Tier 1 risk-based capital ratio | 11.1612% | 5,047 |
| Total risk-based capital ratio | 12.1590% | 5,091 |
| Memoranda: | ||
| Average total assets | $163,281,000 | 3,323 |
| Average earning assets | $152,273,500 | 3,295 |
| Average equity | $15,019,000 | 3,706 |
| Average total loans | $136,492,500 | 2,857 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0313% | 3,298 |
| Cost of funding earning assets | 0.6526% | 1,281 |
| Net interest margin | 3.3787% | 3,914 |
| Noninterest income to average assets | 0.3075% | 4,260 |
| Noninterest expense to average assets | 2.8018% | 2,768 |
| Loan and lease loss provision to assets | 0.0755% | 2,691 |
| Net operating income to assets | 0.2693% | 4,986 |
| Return on assets (ROA) | 0.3356% | 4,884 |
| Pretax return on assets | 0.6662% | 4,592 |
| Return on Equity (ROE) | 3.6173% | 4,641 |
| Retained earnings to average equity (ytd only) | 3.6173% | 3,093 |
| Net charge-offs to loans | -0.0427% | 5,147 |
| Credit loss provision to net charge-offs | -212.2807% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0934% | 1,209 |
| Assets per employee ($millions) | 5.2519% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8316% | 4,733 |
| Loan loss allowance to noncurrent loans | 97.5000% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 0.7125% | 2,188 |
| Noncurrent loans to loans | 0.8529% | 2,087 |
| Net loans and leases to total assets | 82.8431% | 581 |
| Net loans and leases to deposits | 111.7985% | 222 |
| Net loans and leases to core deposits | 126.5681% | 420 |
| Total domestic deposits to total assets | 74.1003% | 5,175 |
| Equity capital to assets | 9.2968% | 4,431 |
| Core capital (leverage) ratio | 9.0894% | 4,535 |
| Tier 1 risk-based capital ratio | 11.4308% | 4,895 |
| Total risk-based capital ratio | 12.4270% | 4,922 |
| Memoranda: | ||
| Average total assets | $160,323,800 | 3,344 |
| Average earning assets | $148,637,800 | 3,340 |
| Average equity | $14,872,800 | 3,732 |
| Average total loans | $133,449,800 | 2,865 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0446% | 3,198 |
| Cost of funding earning assets | 0.6436% | 1,285 |
| Net interest margin | 3.4010% | 3,847 |
| Noninterest income to average assets | 0.3198% | 4,248 |
| Noninterest expense to average assets | 2.8218% | 2,655 |
| Loan and lease loss provision to assets | 0.0760% | 2,554 |
| Net operating income to assets | 0.3582% | 5,086 |
| Return on assets (ROA) | 0.4266% | 4,967 |
| Pretax return on assets | 0.6787% | 4,661 |
| Return on Equity (ROE) | 4.6013% | 4,673 |
| Retained earnings to average equity (ytd only) | 4.6013% | 3,142 |
| Net charge-offs to loans | -0.0542% | 5,181 |
| Credit loss provision to net charge-offs | -168.5185% | 4,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9702% | 1,217 |
| Assets per employee ($millions) | 5.1689% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8246% | 4,826 |
| Loan loss allowance to noncurrent loans | 92.3465% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 0.7420% | 2,274 |
| Noncurrent loans to loans | 0.8929% | 2,144 |
| Net loans and leases to total assets | 82.4167% | 615 |
| Net loans and leases to deposits | 110.8619% | 255 |
| Net loans and leases to core deposits | 125.4436% | 421 |
| Total domestic deposits to total assets | 74.3418% | 5,203 |
| Equity capital to assets | 9.4235% | 4,519 |
| Core capital (leverage) ratio | 9.0522% | 4,682 |
| Tier 1 risk-based capital ratio | 12.1301% | 4,531 |
| Total risk-based capital ratio | 13.1435% | 4,580 |
| Memoranda: | ||
| Average total assets | $159,702,500 | 3,382 |
| Average earning assets | $147,913,750 | 3,380 |
| Average equity | $14,807,000 | 3,778 |
| Average total loans | $132,810,500 | 2,896 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0155% | 3,156 |
| Cost of funding earning assets | 0.6273% | 1,290 |
| Net interest margin | 3.3882% | 3,813 |
| Noninterest income to average assets | 0.2871% | 4,500 |
| Noninterest expense to average assets | 2.7795% | 2,832 |
| Loan and lease loss provision to assets | 0.0765% | 2,453 |
| Net operating income to assets | 0.3503% | 5,097 |
| Return on assets (ROA) | 0.4426% | 4,890 |
| Pretax return on assets | 0.7109% | 4,521 |
| Return on Equity (ROE) | 4.7997% | 4,567 |
| Retained earnings to average equity (ytd only) | 4.7997% | 2,851 |
| Net charge-offs to loans | -0.0151% | 4,669 |
| Credit loss provision to net charge-offs | -610.0000% | 4,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8278% | 1,353 |
| Assets per employee ($millions) | 5.3101% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7554% | 5,062 |
| Loan loss allowance to noncurrent loans | 77.3414% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.0534% | 1,661 |
| Noncurrent loans to loans | 0.9767% | 2,010 |
| Net loans and leases to total assets | 81.7245% | 703 |
| Net loans and leases to deposits | 105.2570% | 428 |
| Net loans and leases to core deposits | 123.2287% | 457 |
| Total domestic deposits to total assets | 77.6428% | 4,877 |
| Equity capital to assets | 9.0533% | 4,853 |
| Core capital (leverage) ratio | 8.9948% | 4,732 |
| Tier 1 risk-based capital ratio | 11.4722% | 4,972 |
| Total risk-based capital ratio | 12.3655% | 5,083 |
| Memoranda: | ||
| Average total assets | $159,524,330 | 3,400 |
| Average earning assets | $147,628,330 | 3,400 |
| Average equity | $14,709,330 | 3,796 |
| Average total loans | $132,694,000 | 2,895 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0582% | 2,810 |
| Cost of funding earning assets | 0.6286% | 1,200 |
| Net interest margin | 3.4296% | 3,526 |
| Noninterest income to average assets | 0.2676% | 4,633 |
| Noninterest expense to average assets | 2.7876% | 2,835 |
| Loan and lease loss provision to assets | 0.0790% | 2,233 |
| Net operating income to assets | 0.3483% | 5,077 |
| Return on assets (ROA) | 0.4510% | 4,793 |
| Pretax return on assets | 0.7313% | 4,342 |
| Return on Equity (ROE) | 4.8452% | 4,460 |
| Retained earnings to average equity (ytd only) | 4.8452% | 2,988 |
| Net charge-offs to loans | -0.0274% | 4,891 |
| Credit loss provision to net charge-offs | -344.4444% | 4,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6509% | 1,541 |
| Assets per employee ($millions) | 5.0424% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7522% | 5,190 |
| Loan loss allowance to noncurrent loans | 75.3414% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 1.0805% | 1,652 |
| Noncurrent loans to loans | 0.9983% | 2,053 |
| Net loans and leases to total assets | 83.8230% | 386 |
| Net loans and leases to deposits | 103.4355% | 424 |
| Net loans and leases to core deposits | 121.1372% | 433 |
| Total domestic deposits to total assets | 81.0389% | 4,407 |
| Equity capital to assets | 9.4169% | 4,376 |
| Core capital (leverage) ratio | 9.0026% | 4,737 |
| Tier 1 risk-based capital ratio | 11.4576% | 5,055 |
| Total risk-based capital ratio | 12.3463% | 5,156 |
| Memoranda: | ||
| Average total assets | $156,979,500 | 3,462 |
| Average earning assets | $145,088,000 | 3,461 |
| Average equity | $14,612,500 | 3,831 |
| Average total loans | $131,264,000 | 2,940 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0018% | 3,192 |
| Cost of funding earning assets | 0.8120% | 472 |
| Net interest margin | 3.1898% | 4,476 |
| Noninterest income to average assets | 0.3124% | 4,501 |
| Noninterest expense to average assets | 2.8396% | 2,877 |
| Loan and lease loss provision to assets | 0.0788% | 2,786 |
| Net operating income to assets | 0.2415% | 5,331 |
| Return on assets (ROA) | 0.3066% | 5,269 |
| Pretax return on assets | 0.4325% | 5,153 |
| Return on Equity (ROE) | 3.3001% | 5,073 |
| Retained earnings to average equity (ytd only) | 2.3691% | 4,176 |
| Net charge-offs to loans | 0.0381% | 3,266 |
| Credit loss provision to net charge-offs | 254.1667% | 1,137 |
| Earnings coverage of net charge-offs (x) | 13.5417% | 2,361 |
| Efficiency ratio | 84.5514% | 961 |
| Assets per employee ($millions) | 5.0853% | 2,303 |
| Cash dividends to net income (ytd only)* | 28.2105% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7302% | 5,294 |
| Loan loss allowance to noncurrent loans | 66.5038% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 1.1444% | 1,608 |
| Noncurrent loans to loans | 1.0980% | 1,897 |
| Net loans and leases to total assets | 82.1814% | 582 |
| Net loans and leases to deposits | 105.4880% | 371 |
| Net loans and leases to core deposits | 120.4000% | 475 |
| Total domestic deposits to total assets | 77.9059% | 4,989 |
| Equity capital to assets | 9.2011% | 4,581 |
| Core capital (leverage) ratio | 8.8854% | 4,872 |
| Tier 1 risk-based capital ratio | 11.6877% | 4,931 |
| Total risk-based capital ratio | 12.5530% | 5,068 |
| Memoranda: | ||
| Average total assets | $154,915,800 | 3,446 |
| Average earning assets | $143,111,400 | 3,465 |
| Average equity | $14,393,600 | 3,895 |
| Average total loans | $126,029,800 | 2,980 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0347% | 3,093 |
| Cost of funding earning assets | 0.8290% | 430 |
| Net interest margin | 3.2057% | 4,476 |
| Noninterest income to average assets | 0.3069% | 4,576 |
| Noninterest expense to average assets | 2.8830% | 2,692 |
| Loan and lease loss provision to assets | 0.0795% | 2,626 |
| Net operating income to assets | 0.2219% | 5,431 |
| Return on assets (ROA) | 0.2982% | 5,370 |
| Pretax return on assets | 0.4106% | 5,285 |
| Return on Equity (ROE) | 3.2020% | 5,168 |
| Retained earnings to average equity (ytd only) | 1.9583% | 4,708 |
| Net charge-offs to loans | 0.0235% | 3,208 |
| Credit loss provision to net charge-offs | 418.1818% | 813 |
| Earnings coverage of net charge-offs (x) | 20.2745% | 1,883 |
| Efficiency ratio | 85.6123% | 854 |
| Assets per employee ($millions) | 4.8683% | 2,543 |
| Cash dividends to net income (ytd only)* | 38.8400% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7339% | 5,346 |
| Loan loss allowance to noncurrent loans | 29.1244% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 2.0894% | 733 |
| Noncurrent loans to loans | 2.5199% | 695 |
| Net loans and leases to total assets | 82.3065% | 576 |
| Net loans and leases to deposits | 112.6276% | 212 |
| Net loans and leases to core deposits | 124.9703% | 390 |
| Total domestic deposits to total assets | 73.0785% | 5,515 |
| Equity capital to assets | 9.3230% | 4,845 |
| Core capital (leverage) ratio | 8.8343% | 5,022 |
| Tier 1 risk-based capital ratio | 11.7285% | 4,965 |
| Total risk-based capital ratio | 12.5767% | 5,094 |
| Memoranda: | ||
| Average total assets | $154,233,750 | 3,476 |
| Average earning assets | $142,493,250 | 3,482 |
| Average equity | $14,365,750 | 3,929 |
| Average total loans | $124,910,500 | 3,001 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0838% | 2,926 |
| Cost of funding earning assets | 0.8325% | 411 |
| Net interest margin | 3.2513% | 4,377 |
| Noninterest income to average assets | 0.3149% | 4,527 |
| Noninterest expense to average assets | 2.9288% | 2,589 |
| Loan and lease loss provision to assets | 0.0807% | 2,523 |
| Net operating income to assets | 0.1991% | 5,524 |
| Return on assets (ROA) | 0.2329% | 5,527 |
| Pretax return on assets | 0.3604% | 5,405 |
| Return on Equity (ROE) | 2.5012% | 5,380 |
| Retained earnings to average equity (ytd only) | 2.5012% | 4,291 |
| Net charge-offs to loans | 0.0356% | 2,739 |
| Credit loss provision to net charge-offs | 281.8182% | 1,009 |
| Earnings coverage of net charge-offs (x) | 13.5909% | 2,117 |
| Efficiency ratio | 85.7255% | 907 |
| Assets per employee ($millions) | 5.0617% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7303% | 5,453 |
| Loan loss allowance to noncurrent loans | 27.6308% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 2.1197% | 749 |
| Noncurrent loans to loans | 2.6432% | 631 |
| Net loans and leases to total assets | 79.6083% | 968 |
| Net loans and leases to deposits | 108.8119% | 282 |
| Net loans and leases to core deposits | 120.4464% | 500 |
| Total domestic deposits to total assets | 73.1614% | 5,593 |
| Equity capital to assets | 9.2504% | 5,022 |
| Core capital (leverage) ratio | 8.8745% | 4,968 |
| Tier 1 risk-based capital ratio | 11.8565% | 4,934 |
| Total risk-based capital ratio | 12.6911% | 5,086 |
| Memoranda: | ||
| Average total assets | $153,716,330 | 3,500 |
| Average earning assets | $141,976,000 | 3,511 |
| Average equity | $14,313,000 | 3,954 |
| Average total loans | $123,490,670 | 3,028 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0624% | 2,993 |
| Cost of funding earning assets | 0.8353% | 414 |
| Net interest margin | 3.2272% | 4,484 |
| Noninterest income to average assets | 0.3340% | 4,343 |
| Noninterest expense to average assets | 2.9924% | 2,415 |
| Loan and lease loss provision to assets | 0.0815% | 2,324 |
| Net operating income to assets | 0.1553% | 5,604 |
| Return on assets (ROA) | 0.1709% | 5,641 |
| Pretax return on assets | 0.2603% | 5,566 |
| Return on Equity (ROE) | 1.8294% | 5,539 |
| Retained earnings to average equity (ytd only) | 1.8294% | 4,528 |
| Net charge-offs to loans | -0.0131% | 4,648 |
| Credit loss provision to net charge-offs | -775.0000% | 4,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7681% | 831 |
| Assets per employee ($millions) | 4.9300% | 2,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7517% | 5,491 |
| Loan loss allowance to noncurrent loans | 30.1650% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 2.0526% | 837 |
| Noncurrent loans to loans | 2.4918% | 757 |
| Net loans and leases to total assets | 78.9663% | 956 |
| Net loans and leases to deposits | 108.9903% | 247 |
| Net loans and leases to core deposits | 120.0308% | 467 |
| Total domestic deposits to total assets | 72.4526% | 5,740 |
| Equity capital to assets | 9.3718% | 4,809 |
| Core capital (leverage) ratio | 9.0256% | 4,822 |
| Tier 1 risk-based capital ratio | 12.1297% | 4,826 |
| Total risk-based capital ratio | 12.9874% | 4,993 |
| Memoranda: | ||
| Average total assets | $152,118,500 | 3,553 |
| Average earning assets | $140,309,500 | 3,558 |
| Average equity | $14,212,000 | 3,983 |
| Average total loans | $122,319,000 | 3,050 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1426% | 2,764 |
| Cost of funding earning assets | 0.8220% | 437 |
| Net interest margin | 3.3206% | 4,210 |
| Noninterest income to average assets | 0.3393% | 4,482 |
| Noninterest expense to average assets | 3.1084% | 2,209 |
| Loan and lease loss provision to assets | 0.0021% | 4,345 |
| Net operating income to assets | 0.1997% | 5,576 |
| Return on assets (ROA) | 0.2545% | 5,541 |
| Pretax return on assets | 0.3587% | 5,412 |
| Return on Equity (ROE) | 2.6177% | 5,423 |
| Retained earnings to average equity (ytd only) | 2.2673% | 4,434 |
| Net charge-offs to loans | 0.0225% | 3,811 |
| Credit loss provision to net charge-offs | 11.5385% | 3,813 |
| Earnings coverage of net charge-offs (x) | 15.6923% | 2,187 |
| Efficiency ratio | 88.9732% | 760 |
| Assets per employee ($millions) | 4.8841% | 2,492 |
| Cash dividends to net income (ytd only)* | 13.3880% | 4,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7144% | 5,611 |
| Loan loss allowance to noncurrent loans | 36.1431% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 1.9279% | 933 |
| Noncurrent loans to loans | 1.9766% | 1,065 |
| Net loans and leases to total assets | 80.6837% | 752 |
| Net loans and leases to deposits | 111.2194% | 217 |
| Net loans and leases to core deposits | 122.5682% | 416 |
| Total domestic deposits to total assets | 72.5447% | 5,761 |
| Equity capital to assets | 9.3134% | 4,774 |
| Core capital (leverage) ratio | 8.9628% | 4,926 |
| Tier 1 risk-based capital ratio | 12.3465% | 4,733 |
| Total risk-based capital ratio | 13.1939% | 4,890 |
| Memoranda: | ||
| Average total assets | $143,836,600 | 3,666 |
| Average earning assets | $132,235,600 | 3,657 |
| Average equity | $13,981,600 | 3,980 |
| Average total loans | $115,448,200 | 3,114 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1513% | 2,743 |
| Cost of funding earning assets | 0.8084% | 476 |
| Net interest margin | 3.3429% | 4,167 |
| Noninterest income to average assets | 0.3269% | 4,596 |
| Noninterest expense to average assets | 3.1101% | 2,198 |
| Loan and lease loss provision to assets | 0.0028% | 4,195 |
| Net operating income to assets | 0.2050% | 5,672 |
| Return on assets (ROA) | 0.2677% | 5,615 |
| Pretax return on assets | 0.3748% | 5,512 |
| Return on Equity (ROE) | 2.7236% | 5,474 |
| Retained earnings to average equity (ytd only) | 2.2553% | 4,755 |
| Net charge-offs to loans | 0.0294% | 3,345 |
| Credit loss provision to net charge-offs | 12.0000% | 3,433 |
| Earnings coverage of net charge-offs (x) | 12.3210% | 2,414 |
| Efficiency ratio | 88.7814% | 774 |
| Assets per employee ($millions) | 4.6558% | 2,760 |
| Cash dividends to net income (ytd only)* | 17.1926% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7195% | 5,686 |
| Loan loss allowance to noncurrent loans | 35.0737% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 2.0123% | 1,016 |
| Noncurrent loans to loans | 2.0513% | 1,117 |
| Net loans and leases to total assets | 81.5054% | 638 |
| Net loans and leases to deposits | 112.5342% | 198 |
| Net loans and leases to core deposits | 123.9044% | 378 |
| Total domestic deposits to total assets | 72.4272% | 5,834 |
| Equity capital to assets | 9.4352% | 4,835 |
| Core capital (leverage) ratio | 9.2449% | 4,673 |
| Tier 1 risk-based capital ratio | 12.3702% | 4,843 |
| Total risk-based capital ratio | 13.2258% | 5,017 |
| Memoranda: | ||
| Average total assets | $141,944,250 | 3,721 |
| Average earning assets | $130,460,500 | 3,717 |
| Average equity | $13,951,750 | 4,027 |
| Average total loans | $113,550,500 | 3,169 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1495% | 2,721 |
| Cost of funding earning assets | 0.7925% | 525 |
| Net interest margin | 3.3569% | 4,071 |
| Noninterest income to average assets | 0.3381% | 4,537 |
| Noninterest expense to average assets | 3.1705% | 2,063 |
| Loan and lease loss provision to assets | 0.0043% | 4,003 |
| Net operating income to assets | 0.1904% | 5,720 |
| Return on assets (ROA) | 0.2808% | 5,582 |
| Pretax return on assets | 0.3711% | 5,534 |
| Return on Equity (ROE) | 2.8168% | 5,468 |
| Retained earnings to average equity (ytd only) | 2.2132% | 4,607 |
| Net charge-offs to loans | 0.0036% | 3,769 |
| Credit loss provision to net charge-offs | 150.0000% | 1,529 |
| Earnings coverage of net charge-offs (x) | 89.5000% | 650 |
| Efficiency ratio | 89.7993% | 767 |
| Assets per employee ($millions) | 4.4899% | 3,004 |
| Cash dividends to net income (ytd only)* | 21.4286% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7796% | 5,647 |
| Loan loss allowance to noncurrent loans | 34.1657% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 1.9426% | 1,154 |
| Noncurrent loans to loans | 2.2818% | 1,036 |
| Net loans and leases to total assets | 79.9898% | 803 |
| Net loans and leases to deposits | 106.6697% | 353 |
| Net loans and leases to core deposits | 117.1899% | 551 |
| Total domestic deposits to total assets | 74.9883% | 5,705 |
| Equity capital to assets | 9.6891% | 4,415 |
| Core capital (leverage) ratio | 9.4324% | 4,373 |
| Tier 1 risk-based capital ratio | 13.1251% | 4,441 |
| Total risk-based capital ratio | 14.0604% | 4,535 |
| Memoranda: | ||
| Average total assets | $139,597,670 | 3,787 |
| Average earning assets | $128,450,330 | 3,788 |
| Average equity | $13,916,670 | 4,056 |
| Average total loans | $110,630,670 | 3,239 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2728% | 2,186 |
| Cost of funding earning assets | 0.7849% | 552 |
| Net interest margin | 3.4879% | 3,490 |
| Noninterest income to average assets | 0.3344% | 4,512 |
| Noninterest expense to average assets | 3.3353% | 1,640 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1239% | 5,837 |
| Return on assets (ROA) | 0.2355% | 5,690 |
| Pretax return on assets | 0.3780% | 5,471 |
| Return on Equity (ROE) | 2.3285% | 5,601 |
| Retained earnings to average equity (ytd only) | 1.8686% | 4,725 |
| Net charge-offs to loans | -0.0074% | 4,615 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5366% | 745 |
| Assets per employee ($millions) | 4.5314% | 3,000 |
| Cash dividends to net income (ytd only)* | 19.7531% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8128% | 5,670 |
| Loan loss allowance to noncurrent loans | 35.4763% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 1.9214% | 1,265 |
| Noncurrent loans to loans | 2.2912% | 1,080 |
| Net loans and leases to total assets | 78.6158% | 850 |
| Net loans and leases to deposits | 106.8058% | 288 |
| Net loans and leases to core deposits | 116.9715% | 492 |
| Total domestic deposits to total assets | 73.6063% | 5,935 |
| Equity capital to assets | 9.9229% | 4,229 |
| Core capital (leverage) ratio | 9.6545% | 4,068 |
| Tier 1 risk-based capital ratio | 12.9076% | 4,659 |
| Total risk-based capital ratio | 13.8370% | 4,763 |
| Memoranda: | ||
| Average total assets | $137,558,000 | 3,846 |
| Average earning assets | $126,380,500 | 3,859 |
| Average equity | $13,914,500 | 4,083 |
| Average total loans | $108,031,000 | 3,303 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1484% | 3,133 |
| Cost of funding earning assets | 0.7440% | 871 |
| Net interest margin | 3.4043% | 4,181 |
| Noninterest income to average assets | 0.6004% | 2,856 |
| Noninterest expense to average assets | 3.6240% | 1,262 |
| Loan and lease loss provision to assets | 0.0007% | 4,595 |
| Net operating income to assets | 0.0473% | 6,027 |
| Return on assets (ROA) | 0.1657% | 5,890 |
| Pretax return on assets | 0.2683% | 5,760 |
| Return on Equity (ROE) | 1.6244% | 5,857 |
| Retained earnings to average equity (ytd only) | 1.2310% | 5,228 |
| Net charge-offs to loans | 0.0204% | 4,439 |
| Credit loss provision to net charge-offs | 4.7619% | 4,160 |
| Earnings coverage of net charge-offs (x) | 5.3810% | 3,434 |
| Efficiency ratio | 95.1303% | 537 |
| Assets per employee ($millions) | 4.2076% | 3,527 |
| Cash dividends to net income (ytd only)* | 24.2152% | 3,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8613% | 5,598 |
| Loan loss allowance to noncurrent loans | 28.3916% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 2.5943% | 872 |
| Noncurrent loans to loans | 3.0337% | 739 |
| Net loans and leases to total assets | 77.1084% | 1,116 |
| Net loans and leases to deposits | 101.7424% | 526 |
| Net loans and leases to core deposits | 111.5635% | 708 |
| Total domestic deposits to total assets | 75.7878% | 5,766 |
| Equity capital to assets | 10.3162% | 3,704 |
| Core capital (leverage) ratio | 9.3679% | 4,443 |
| Tier 1 risk-based capital ratio | 12.8009% | 4,857 |
| Total risk-based capital ratio | 13.8054% | 4,925 |
| Memoranda: | ||
| Average total assets | $134,574,800 | 3,892 |
| Average earning assets | $122,843,000 | 3,906 |
| Average equity | $13,728,400 | 4,067 |
| Average total loans | $103,003,800 | 3,358 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 3,135 |
| Cost of funding earning assets | 0.8638% | 505 |
| Net interest margin | 3.2943% | 4,625 |
| Noninterest income to average assets | 0.3854% | 4,348 |
| Noninterest expense to average assets | 3.3610% | 1,762 |
| Loan and lease loss provision to assets | 0.0010% | 4,389 |
| Net operating income to assets | 0.0102% | 6,132 |
| Return on assets (ROA) | 0.1675% | 5,950 |
| Pretax return on assets | 0.2735% | 5,820 |
| Return on Equity (ROE) | 1.6462% | 5,913 |
| Retained earnings to average equity (ytd only) | 1.3735% | 5,348 |
| Net charge-offs to loans | 0.0455% | 3,583 |
| Credit loss provision to net charge-offs | 2.8571% | 3,778 |
| Earnings coverage of net charge-offs (x) | 0.8286% | 4,308 |
| Efficiency ratio | 96.2876% | 493 |
| Assets per employee ($millions) | 4.3445% | 3,219 |
| Cash dividends to net income (ytd only)* | 16.5668% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8597% | 5,718 |
| Loan loss allowance to noncurrent loans | 25.8741% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 2.7874% | 882 |
| Noncurrent loans to loans | 3.3227% | 745 |
| Net loans and leases to total assets | 76.0347% | 1,218 |
| Net loans and leases to deposits | 104.0628% | 401 |
| Net loans and leases to core deposits | 107.9177% | 860 |
| Total domestic deposits to total assets | 73.0661% | 6,089 |
| Equity capital to assets | 10.1947% | 3,938 |
| Core capital (leverage) ratio | 9.2166% | 4,756 |
| Tier 1 risk-based capital ratio | 12.7277% | 5,026 |
| Total risk-based capital ratio | 13.7154% | 5,122 |
| Memoranda: | ||
| Average total assets | $134,557,750 | 3,925 |
| Average earning assets | $122,715,750 | 3,934 |
| Average equity | $13,688,000 | 4,098 |
| Average total loans | $102,574,000 | 3,399 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1451% | 3,169 |
| Cost of funding earning assets | 0.8574% | 541 |
| Net interest margin | 3.2876% | 4,636 |
| Noninterest income to average assets | 0.4208% | 4,091 |
| Noninterest expense to average assets | 3.2561% | 2,029 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0850% | 6,073 |
| Return on assets (ROA) | 0.2810% | 5,703 |
| Pretax return on assets | 0.4639% | 5,380 |
| Return on Equity (ROE) | 2.7644% | 5,603 |
| Retained earnings to average equity (ytd only) | 2.5450% | 4,582 |
| Net charge-offs to loans | 0.0547% | 3,176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.7857% | 3,217 |
| Efficiency ratio | 92.5523% | 724 |
| Assets per employee ($millions) | 4.2580% | 3,357 |
| Cash dividends to net income (ytd only)* | 7.9365% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8699% | 5,814 |
| Loan loss allowance to noncurrent loans | 22.4736% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 2.9195% | 885 |
| Noncurrent loans to loans | 3.8708% | 630 |
| Net loans and leases to total assets | 74.7673% | 1,339 |
| Net loans and leases to deposits | 102.3006% | 429 |
| Net loans and leases to core deposits | 104.6256% | 976 |
| Total domestic deposits to total assets | 73.0860% | 6,182 |
| Equity capital to assets | 10.1397% | 3,916 |
| Core capital (leverage) ratio | 9.2493% | 4,667 |
| Tier 1 risk-based capital ratio | 12.9499% | 4,944 |
| Total risk-based capital ratio | 13.9518% | 5,031 |
| Memoranda: | ||
| Average total assets | $134,517,670 | 3,951 |
| Average earning assets | $122,459,000 | 3,960 |
| Average equity | $13,674,000 | 4,105 |
| Average total loans | $102,335,330 | 3,409 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2049% | 2,861 |
| Cost of funding earning assets | 0.8502% | 585 |
| Net interest margin | 3.3547% | 4,317 |
| Noninterest income to average assets | 0.3202% | 4,808 |
| Noninterest expense to average assets | 3.2443% | 2,090 |
| Loan and lease loss provision to assets | -0.0030% | 6,372 |
| Net operating income to assets | 0.0585% | 6,108 |
| Return on assets (ROA) | 0.3382% | 5,414 |
| Pretax return on assets | 0.5627% | 4,974 |
| Return on Equity (ROE) | 3.3228% | 5,341 |
| Retained earnings to average equity (ytd only) | 3.3228% | 4,134 |
| Net charge-offs to loans | -0.0078% | 4,950 |
| Credit loss provision to net charge-offs | 50.0000% | 2,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4222% | 787 |
| Assets per employee ($millions) | 4.1661% | 3,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8977% | 5,872 |
| Loan loss allowance to noncurrent loans | 21.8669% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 3.1662% | 860 |
| Noncurrent loans to loans | 4.1053% | 637 |
| Net loans and leases to total assets | 76.4319% | 949 |
| Net loans and leases to deposits | 105.1580% | 257 |
| Net loans and leases to core deposits | 107.3245% | 706 |
| Total domestic deposits to total assets | 72.6829% | 6,323 |
| Equity capital to assets | 10.2463% | 3,545 |
| Core capital (leverage) ratio | 9.1401% | 4,808 |
| Tier 1 risk-based capital ratio | 12.5128% | 5,306 |
| Total risk-based capital ratio | 13.5525% | 5,373 |
| Memoranda: | ||
| Average total assets | $133,648,500 | 3,998 |
| Average earning assets | $121,382,500 | 4,014 |
| Average equity | $13,603,000 | 4,129 |
| Average total loans | $102,118,500 | 3,422 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1247% | 3,642 |
| Cost of funding earning assets | 0.9155% | 681 |
| Net interest margin | 3.2092% | 4,971 |
| Noninterest income to average assets | 0.2417% | 5,616 |
| Noninterest expense to average assets | 3.1614% | 2,541 |
| Loan and lease loss provision to assets | -0.0677% | 6,424 |
| Net operating income to assets | 0.0494% | 6,132 |
| Return on assets (ROA) | 0.1980% | 5,896 |
| Pretax return on assets | 0.3102% | 5,705 |
| Return on Equity (ROE) | 2.0009% | 5,842 |
| Retained earnings to average equity (ytd only) | 2.0009% | 4,812 |
| Net charge-offs to loans | 0.0190% | 5,061 |
| Credit loss provision to net charge-offs | -489.4737% | 6,135 |
| Earnings coverage of net charge-offs (x) | 0.7368% | 4,845 |
| Efficiency ratio | 96.6942% | 601 |
| Assets per employee ($millions) | 4.1869% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9091% | 5,894 |
| Loan loss allowance to noncurrent loans | 22.0733% | 6,132 |
| Noncurrent assets plus other real estate owned to assets | 3.1176% | 999 |
| Noncurrent loans to loans | 4.1186% | 688 |
| Net loans and leases to total assets | 75.0077% | 1,223 |
| Net loans and leases to deposits | 103.8096% | 330 |
| Net loans and leases to core deposits | 106.2303% | 784 |
| Total domestic deposits to total assets | 72.2550% | 6,408 |
| Equity capital to assets | 10.1104% | 3,621 |
| Core capital (leverage) ratio | 9.0217% | 4,962 |
| Tier 1 risk-based capital ratio | 12.4449% | 5,320 |
| Total risk-based capital ratio | 13.5823% | 5,332 |
| Memoranda: | ||
| Average total assets | $137,342,200 | 3,927 |
| Average earning assets | $125,390,400 | 3,940 |
| Average equity | $13,594,000 | 4,147 |
| Average total loans | $100,230,800 | 3,437 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0872% | 3,816 |
| Cost of funding earning assets | 0.9306% | 704 |
| Net interest margin | 3.1566% | 5,126 |
| Noninterest income to average assets | 0.2007% | 5,978 |
| Noninterest expense to average assets | 3.0577% | 2,795 |
| Loan and lease loss provision to assets | 0.0010% | 4,929 |
| Net operating income to assets | 0.0174% | 6,272 |
| Return on assets (ROA) | 0.2113% | 5,968 |
| Pretax return on assets | 0.3348% | 5,787 |
| Return on Equity (ROE) | 2.1460% | 5,895 |
| Retained earnings to average equity (ytd only) | 2.1460% | 5,029 |
| Net charge-offs to loans | -0.2375% | 6,683 |
| Credit loss provision to net charge-offs | -0.5618% | 5,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8789% | 633 |
| Assets per employee ($millions) | 4.1193% | 3,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 4,832 |
| Loan loss allowance to noncurrent loans | 28.6761% | 6,029 |
| Noncurrent assets plus other real estate owned to assets | 3.2089% | 1,113 |
| Noncurrent loans to loans | 4.2087% | 820 |
| Net loans and leases to total assets | 75.3253% | 1,098 |
| Net loans and leases to deposits | 102.9765% | 332 |
| Net loans and leases to core deposits | 105.3786% | 795 |
| Total domestic deposits to total assets | 73.1480% | 6,425 |
| Equity capital to assets | 10.2648% | 3,557 |
| Core capital (leverage) ratio | 8.9552% | 5,190 |
| Tier 1 risk-based capital ratio | 12.4822% | 5,468 |
| Total risk-based capital ratio | 13.7820% | 5,380 |
| Memoranda: | ||
| Average total assets | $138,182,500 | 3,946 |
| Average earning assets | $126,505,500 | 3,949 |
| Average equity | $13,606,000 | 4,193 |
| Average total loans | $99,934,000 | 3,479 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0030% | 4,093 |
| Cost of funding earning assets | 0.9483% | 714 |
| Net interest margin | 3.0547% | 5,414 |
| Noninterest income to average assets | 0.1810% | 6,124 |
| Noninterest expense to average assets | 3.0106% | 2,966 |
| Loan and lease loss provision to assets | 0.0029% | 4,751 |
| Net operating income to assets | -0.0245% | 6,328 |
| Return on assets (ROA) | 0.2438% | 5,914 |
| Pretax return on assets | 0.3877% | 5,663 |
| Return on Equity (ROE) | 2.5090% | 5,793 |
| Retained earnings to average equity (ytd only) | 2.5090% | 4,701 |
| Net charge-offs to loans | -0.3569% | 6,780 |
| Credit loss provision to net charge-offs | -1.1236% | 5,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8489% | 576 |
| Assets per employee ($millions) | 4.4268% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 4,924 |
| Loan loss allowance to noncurrent loans | 26.7107% | 6,124 |
| Noncurrent assets plus other real estate owned to assets | 3.7025% | 999 |
| Noncurrent loans to loans | 4.5351% | 767 |
| Net loans and leases to total assets | 72.1435% | 1,557 |
| Net loans and leases to deposits | 99.6297% | 445 |
| Net loans and leases to core deposits | 101.6145% | 969 |
| Total domestic deposits to total assets | 72.4117% | 6,539 |
| Equity capital to assets | 9.8636% | 4,106 |
| Core capital (leverage) ratio | 8.6598% | 5,472 |
| Tier 1 risk-based capital ratio | 12.5044% | 5,494 |
| Total risk-based capital ratio | 13.7910% | 5,410 |
| Memoranda: | ||
| Average total assets | $140,303,670 | 3,941 |
| Average earning assets | $128,652,670 | 3,932 |
| Average equity | $13,631,000 | 4,218 |
| Average total loans | $99,743,330 | 3,496 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9305% | 4,364 |
| Cost of funding earning assets | 0.9703% | 704 |
| Net interest margin | 2.9601% | 5,676 |
| Noninterest income to average assets | 0.1720% | 6,227 |
| Noninterest expense to average assets | 3.0908% | 2,707 |
| Loan and lease loss provision to assets | 0.0028% | 4,387 |
| Net operating income to assets | -0.1358% | 6,472 |
| Return on assets (ROA) | 0.3215% | 5,624 |
| Pretax return on assets | 0.4794% | 5,325 |
| Return on Equity (ROE) | 3.3337% | 5,421 |
| Retained earnings to average equity (ytd only) | 3.3337% | 4,253 |
| Net charge-offs to loans | -0.0322% | 5,925 |
| Credit loss provision to net charge-offs | -12.5000% | 4,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7073% | 445 |
| Assets per employee ($millions) | 4.5563% | 2,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 5,792 |
| Loan loss allowance to noncurrent loans | 18.1993% | 6,384 |
| Noncurrent assets plus other real estate owned to assets | 4.4547% | 839 |
| Noncurrent loans to loans | 5.7720% | 595 |
| Net loans and leases to total assets | 69.5579% | 1,743 |
| Net loans and leases to deposits | 98.8898% | 397 |
| Net loans and leases to core deposits | 101.5106% | 858 |
| Total domestic deposits to total assets | 70.3388% | 6,746 |
| Equity capital to assets | 9.6995% | 4,567 |
| Core capital (leverage) ratio | 8.4580% | 5,641 |
| Tier 1 risk-based capital ratio | 12.5630% | 5,545 |
| Total risk-based capital ratio | 13.7986% | 5,496 |
| Memoranda: | ||
| Average total assets | $141,839,500 | 3,950 |
| Average earning assets | $130,264,000 | 3,933 |
| Average equity | $13,678,500 | 4,250 |
| Average total loans | $99,506,000 | 3,518 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2578% | 4,377 |
| Cost of funding earning assets | 1.0499% | 1,122 |
| Net interest margin | 3.2079% | 5,548 |
| Noninterest income to average assets | 0.3084% | 5,246 |
| Noninterest expense to average assets | 2.9840% | 3,339 |
| Loan and lease loss provision to assets | 0.3029% | 2,255 |
| Net operating income to assets | -0.0088% | 6,181 |
| Return on assets (ROA) | 0.0082% | 6,294 |
| Pretax return on assets | 0.0143% | 6,264 |
| Return on Equity (ROE) | 0.0872% | 6,290 |
| Retained earnings to average equity (ytd only) | 0.0872% | 5,790 |
| Net charge-offs to loans | 0.6035% | 1,925 |
| Credit loss provision to net charge-offs | 72.6678% | 4,080 |
| Earnings coverage of net charge-offs (x) | 0.6972% | 5,135 |
| Efficiency ratio | 88.4167% | 1,203 |
| Assets per employee ($millions) | 4.4511% | 3,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 5,825 |
| Loan loss allowance to noncurrent loans | 16.3169% | 6,462 |
| Noncurrent assets plus other real estate owned to assets | 4.9728% | 783 |
| Noncurrent loans to loans | 6.3547% | 537 |
| Net loans and leases to total assets | 69.2868% | 1,975 |
| Net loans and leases to deposits | 97.5178% | 534 |
| Net loans and leases to core deposits | 100.3406% | 1,004 |
| Total domestic deposits to total assets | 71.0505% | 6,740 |
| Equity capital to assets | 9.5883% | 4,764 |
| Core capital (leverage) ratio | 8.1054% | 6,086 |
| Tier 1 risk-based capital ratio | 11.9397% | 5,828 |
| Total risk-based capital ratio | 13.0919% | 5,844 |
| Memoranda: | ||
| Average total assets | $146,584,200 | 3,832 |
| Average earning assets | $135,538,600 | 3,802 |
| Average equity | $13,762,000 | 4,210 |
| Average total loans | $101,236,000 | 3,485 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3514% | 4,245 |
| Cost of funding earning assets | 1.0574% | 1,247 |
| Net interest margin | 3.2941% | 5,412 |
| Noninterest income to average assets | 0.2574% | 5,720 |
| Noninterest expense to average assets | 2.9092% | 3,557 |
| Loan and lease loss provision to assets | 0.1409% | 3,775 |
| Net operating income to assets | 0.1563% | 6,021 |
| Return on assets (ROA) | 0.1563% | 6,174 |
| Pretax return on assets | 0.2574% | 6,026 |
| Return on Equity (ROE) | 1.6729% | 6,108 |
| Retained earnings to average equity (ytd only) | 1.6729% | 5,495 |
| Net charge-offs to loans | 0.4750% | 2,195 |
| Credit loss provision to net charge-offs | 43.0939% | 4,551 |
| Earnings coverage of net charge-offs (x) | 1.2183% | 4,684 |
| Efficiency ratio | 85.2813% | 1,451 |
| Assets per employee ($millions) | 4.4937% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 6,163 |
| Loan loss allowance to noncurrent loans | 18.5185% | 6,524 |
| Noncurrent assets plus other real estate owned to assets | 3.9145% | 1,245 |
| Noncurrent loans to loans | 5.2827% | 828 |
| Net loans and leases to total assets | 70.0387% | 1,898 |
| Net loans and leases to deposits | 98.6899% | 509 |
| Net loans and leases to core deposits | 100.7331% | 1,070 |
| Total domestic deposits to total assets | 70.9685% | 6,796 |
| Equity capital to assets | 9.7038% | 4,917 |
| Core capital (leverage) ratio | 8.4854% | 5,770 |
| Tier 1 risk-based capital ratio | 12.3887% | 5,709 |
| Total risk-based capital ratio | 13.4888% | 5,784 |
| Memoranda: | ||
| Average total assets | $147,621,750 | 3,853 |
| Average earning assets | $136,686,750 | 3,816 |
| Average equity | $13,788,250 | 4,244 |
| Average total loans | $101,614,500 | 3,519 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4101% | 4,142 |
| Cost of funding earning assets | 1.0746% | 1,337 |
| Net interest margin | 3.3355% | 5,328 |
| Noninterest income to average assets | 0.2377% | 5,865 |
| Noninterest expense to average assets | 2.8799% | 3,701 |
| Loan and lease loss provision to assets | 0.1276% | 3,925 |
| Net operating income to assets | 0.1948% | 5,931 |
| Return on assets (ROA) | 0.1948% | 6,115 |
| Pretax return on assets | 0.3197% | 5,925 |
| Return on Equity (ROE) | 2.1117% | 6,009 |
| Retained earnings to average equity (ytd only) | 2.1117% | 5,140 |
| Net charge-offs to loans | 0.6635% | 1,661 |
| Credit loss provision to net charge-offs | 28.1899% | 4,470 |
| Earnings coverage of net charge-offs (x) | 0.9881% | 4,538 |
| Efficiency ratio | 83.9322% | 1,644 |
| Assets per employee ($millions) | 4.5674% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 6,314 |
| Loan loss allowance to noncurrent loans | 18.0263% | 6,571 |
| Noncurrent assets plus other real estate owned to assets | 3.8151% | 1,354 |
| Noncurrent loans to loans | 5.2945% | 900 |
| Net loans and leases to total assets | 68.0937% | 2,278 |
| Net loans and leases to deposits | 96.1984% | 618 |
| Net loans and leases to core deposits | 98.1567% | 1,259 |
| Total domestic deposits to total assets | 70.7846% | 6,866 |
| Equity capital to assets | 9.4899% | 5,080 |
| Core capital (leverage) ratio | 8.0924% | 6,171 |
| Tier 1 risk-based capital ratio | 12.3900% | 5,659 |
| Total risk-based capital ratio | 13.4508% | 5,778 |
| Memoranda: | ||
| Average total assets | $148,896,000 | 3,859 |
| Average earning assets | $137,912,000 | 3,812 |
| Average equity | $13,733,000 | 4,250 |
| Average total loans | $101,582,670 | 3,529 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3674% | 4,453 |
| Cost of funding earning assets | 1.0962% | 1,423 |
| Net interest margin | 3.2712% | 5,568 |
| Noninterest income to average assets | 0.2529% | 5,829 |
| Noninterest expense to average assets | 2.8456% | 3,842 |
| Loan and lease loss provision to assets | 0.0932% | 4,180 |
| Net operating income to assets | 0.1943% | 6,004 |
| Return on assets (ROA) | 0.1943% | 6,152 |
| Pretax return on assets | 0.3407% | 5,878 |
| Return on Equity (ROE) | 2.1369% | 6,026 |
| Retained earnings to average equity (ytd only) | 2.1369% | 5,193 |
| Net charge-offs to loans | 0.8420% | 1,223 |
| Credit loss provision to net charge-offs | 16.2791% | 3,829 |
| Earnings coverage of net charge-offs (x) | 0.7581% | 3,956 |
| Efficiency ratio | 84.0909% | 1,676 |
| Assets per employee ($millions) | 5.5128% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 6,216 |
| Loan loss allowance to noncurrent loans | 17.4091% | 6,631 |
| Noncurrent assets plus other real estate owned to assets | 4.1083% | 1,337 |
| Noncurrent loans to loans | 5.7866% | 894 |
| Net loans and leases to total assets | 67.3399% | 2,225 |
| Net loans and leases to deposits | 96.5794% | 503 |
| Net loans and leases to core deposits | 98.4994% | 1,091 |
| Total domestic deposits to total assets | 69.7249% | 6,996 |
| Equity capital to assets | 9.2183% | 5,209 |
| Core capital (leverage) ratio | 7.9460% | 6,301 |
| Tier 1 risk-based capital ratio | 12.1771% | 5,843 |
| Total risk-based capital ratio | 13.2963% | 5,912 |
| Memoranda: | ||
| Average total assets | $150,266,000 | 3,869 |
| Average earning assets | $139,029,500 | 3,837 |
| Average equity | $13,664,500 | 4,266 |
| Average total loans | $102,133,000 | 3,537 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2378% | 5,950 |
| Cost of funding earning assets | 1.2356% | 1,810 |
| Net interest margin | 3.0023% | 6,528 |
| Noninterest income to average assets | 0.2758% | 5,559 |
| Noninterest expense to average assets | 2.7738% | 4,459 |
| Loan and lease loss provision to assets | 0.4567% | 2,315 |
| Net operating income to assets | -0.1133% | 6,177 |
| Return on assets (ROA) | -0.0562% | 6,202 |
| Pretax return on assets | -0.0904% | 6,209 |
| Return on Equity (ROE) | -0.6377% | 6,215 |
| Retained earnings to average equity (ytd only) | -0.6377% | 5,953 |
| Net charge-offs to loans | 0.1082% | 5,280 |
| Credit loss provision to net charge-offs | 620.1754% | 359 |
| Earnings coverage of net charge-offs (x) | 3.7632% | 3,397 |
| Efficiency ratio | 88.1643% | 1,351 |
| Assets per employee ($millions) | 5.8341% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 5,554 |
| Loan loss allowance to noncurrent loans | 18.4599% | 6,655 |
| Noncurrent assets plus other real estate owned to assets | 4.2891% | 1,300 |
| Noncurrent loans to loans | 6.3156% | 768 |
| Net loans and leases to total assets | 67.1205% | 2,558 |
| Net loans and leases to deposits | 95.4861% | 706 |
| Net loans and leases to core deposits | 97.9951% | 1,331 |
| Total domestic deposits to total assets | 70.2934% | 6,969 |
| Equity capital to assets | 8.9711% | 5,580 |
| Core capital (leverage) ratio | 7.6622% | 6,563 |
| Tier 1 risk-based capital ratio | 11.7425% | 6,000 |
| Total risk-based capital ratio | 12.9927% | 5,984 |
| Memoranda: | ||
| Average total assets | $154,803,400 | 3,723 |
| Average earning assets | $143,092,600 | 3,691 |
| Average equity | $13,642,400 | 4,199 |
| Average total loans | $105,386,200 | 3,489 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2606% | 6,063 |
| Cost of funding earning assets | 1.2678% | 1,882 |
| Net interest margin | 2.9928% | 6,597 |
| Noninterest income to average assets | 0.2819% | 5,593 |
| Noninterest expense to average assets | 2.7260% | 4,633 |
| Loan and lease loss provision to assets | 0.6050% | 1,626 |
| Net operating income to assets | -0.1777% | 6,361 |
| Return on assets (ROA) | -0.1020% | 6,371 |
| Pretax return on assets | -0.1654% | 6,384 |
| Return on Equity (ROE) | -1.1623% | 6,395 |
| Retained earnings to average equity (ytd only) | -1.1623% | 6,178 |
| Net charge-offs to loans | 0.1459% | 4,606 |
| Credit loss provision to net charge-offs | 608.6207% | 441 |
| Earnings coverage of net charge-offs (x) | 3.2328% | 3,532 |
| Efficiency ratio | 86.6985% | 1,461 |
| Assets per employee ($millions) | 6.0427% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 5,539 |
| Loan loss allowance to noncurrent loans | 19.0038% | 6,712 |
| Noncurrent assets plus other real estate owned to assets | 4.1730% | 1,467 |
| Noncurrent loans to loans | 6.2225% | 877 |
| Net loans and leases to total assets | 66.2695% | 2,836 |
| Net loans and leases to deposits | 95.7689% | 711 |
| Net loans and leases to core deposits | 98.9141% | 1,347 |
| Total domestic deposits to total assets | 69.1973% | 7,078 |
| Equity capital to assets | 8.9410% | 5,819 |
| Core capital (leverage) ratio | 7.5748% | 6,719 |
| Tier 1 risk-based capital ratio | 11.8012% | 6,039 |
| Total risk-based capital ratio | 13.0514% | 6,026 |
| Memoranda: | ||
| Average total assets | $155,582,500 | 3,730 |
| Average earning assets | $143,764,000 | 3,705 |
| Average equity | $13,651,000 | 4,201 |
| Average total loans | $105,979,250 | 3,504 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2312% | 6,216 |
| Cost of funding earning assets | 1.3138% | 1,858 |
| Net interest margin | 2.9174% | 6,755 |
| Noninterest income to average assets | 0.3603% | 4,998 |
| Noninterest expense to average assets | 2.6011% | 5,175 |
| Loan and lease loss provision to assets | 0.1159% | 4,829 |
| Net operating income to assets | 0.1982% | 5,749 |
| Return on assets (ROA) | 0.3107% | 5,466 |
| Pretax return on assets | 0.5105% | 5,029 |
| Return on Equity (ROE) | 3.5623% | 5,126 |
| Retained earnings to average equity (ytd only) | 3.5623% | 3,968 |
| Net charge-offs to loans | 0.0112% | 5,697 |
| Credit loss provision to net charge-offs | 1,516.6667% | 225 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 548 |
| Efficiency ratio | 82.5198% | 2,024 |
| Assets per employee ($millions) | 6.3940% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6653% | 7,064 |
| Loan loss allowance to noncurrent loans | 11.7100% | 6,924 |
| Noncurrent assets plus other real estate owned to assets | 4.1790% | 1,522 |
| Noncurrent loans to loans | 5.6811% | 1,091 |
| Net loans and leases to total assets | 67.4306% | 2,726 |
| Net loans and leases to deposits | 95.8200% | 739 |
| Net loans and leases to core deposits | 99.1017% | 1,428 |
| Total domestic deposits to total assets | 70.3722% | 7,090 |
| Equity capital to assets | 8.9973% | 5,585 |
| Core capital (leverage) ratio | 7.7318% | 6,561 |
| Tier 1 risk-based capital ratio | 12.3236% | 5,499 |
| Total risk-based capital ratio | 13.0545% | 5,925 |
| Memoranda: | ||
| Average total assets | $157,087,330 | 3,731 |
| Average earning assets | $144,924,670 | 3,713 |
| Average equity | $13,699,000 | 4,181 |
| Average total loans | $107,535,670 | 3,516 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3124% | 5,984 |
| Cost of funding earning assets | 1.4311% | 1,462 |
| Net interest margin | 2.8813% | 6,789 |
| Noninterest income to average assets | 0.4204% | 4,539 |
| Noninterest expense to average assets | 2.4996% | 5,555 |
| Loan and lease loss provision to assets | 0.2291% | 3,364 |
| Net operating income to assets | 0.1955% | 5,795 |
| Return on assets (ROA) | 0.4179% | 4,959 |
| Pretax return on assets | 0.6948% | 4,321 |
| Return on Equity (ROE) | 4.8663% | 4,471 |
| Retained earnings to average equity (ytd only) | 4.8663% | 3,274 |
| Net charge-offs to loans | -0.1025% | 7,096 |
| Credit loss provision to net charge-offs | -325.0000% | 5,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5597% | 2,759 |
| Assets per employee ($millions) | 6.1712% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6714% | 7,110 |
| Loan loss allowance to noncurrent loans | 12.5995% | 6,968 |
| Noncurrent assets plus other real estate owned to assets | 3.7452% | 1,804 |
| Noncurrent loans to loans | 5.3288% | 1,236 |
| Net loans and leases to total assets | 69.8099% | 2,169 |
| Net loans and leases to deposits | 98.9217% | 527 |
| Net loans and leases to core deposits | 101.8738% | 1,209 |
| Total domestic deposits to total assets | 70.5708% | 7,153 |
| Equity capital to assets | 8.8645% | 5,404 |
| Core capital (leverage) ratio | 7.4207% | 6,775 |
| Tier 1 risk-based capital ratio | 11.6304% | 6,000 |
| Total risk-based capital ratio | 12.3650% | 6,395 |
| Memoranda: | ||
| Average total assets | $158,902,500 | 3,727 |
| Average earning assets | $146,460,000 | 3,707 |
| Average equity | $13,645,000 | 4,179 |
| Average total loans | $109,218,500 | 3,515 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8229% | 5,334 |
| Cost of funding earning assets | 1.2816% | 4,007 |
| Net interest margin | 3.5412% | 5,072 |
| Noninterest income to average assets | 0.1659% | 6,540 |
| Noninterest expense to average assets | 2.5136% | 5,737 |
| Loan and lease loss provision to assets | 0.5946% | 2,759 |
| Net operating income to assets | 0.2201% | 5,218 |
| Return on assets (ROA) | 0.2837% | 5,154 |
| Pretax return on assets | 0.4250% | 4,866 |
| Return on Equity (ROE) | 3.4043% | 4,790 |
| Retained earnings to average equity (ytd only) | 3.4043% | 3,487 |
| Net charge-offs to loans | 0.3027% | 4,501 |
| Credit loss provision to net charge-offs | 270.0280% | 1,024 |
| Earnings coverage of net charge-offs (x) | 4.1989% | 3,022 |
| Efficiency ratio | 70.7750% | 4,024 |
| Assets per employee ($millions) | 6.5410% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5527% | 7,316 |
| Loan loss allowance to noncurrent loans | 10.0132% | 7,089 |
| Noncurrent assets plus other real estate owned to assets | 4.3430% | 1,538 |
| Noncurrent loans to loans | 5.5196% | 1,190 |
| Net loans and leases to total assets | 66.9001% | 3,248 |
| Net loans and leases to deposits | 95.9775% | 872 |
| Net loans and leases to core deposits | 98.2443% | 1,775 |
| Total domestic deposits to total assets | 69.7039% | 7,253 |
| Equity capital to assets | 8.3253% | 6,114 |
| Core capital (leverage) ratio | 6.7888% | 7,111 |
| Tier 1 risk-based capital ratio | 10.9983% | 6,323 |
| Total risk-based capital ratio | 11.6454% | 6,751 |
| Memoranda: | ||
| Average total assets | $162,120,600 | 3,656 |
| Average earning assets | $149,807,200 | 3,638 |
| Average equity | $13,512,400 | 4,255 |
| Average total loans | $117,935,000 | 3,359 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0074% | 4,782 |
| Cost of funding earning assets | 1.2808% | 4,366 |
| Net interest margin | 3.7266% | 4,284 |
| Noninterest income to average assets | 0.2753% | 5,907 |
| Noninterest expense to average assets | 2.4808% | 5,778 |
| Loan and lease loss provision to assets | 0.6462% | 2,365 |
| Net operating income to assets | 0.3857% | 4,812 |
| Return on assets (ROA) | 0.4055% | 4,901 |
| Pretax return on assets | 0.6247% | 4,510 |
| Return on Equity (ROE) | 4.8638% | 4,360 |
| Retained earnings to average equity (ytd only) | 4.8638% | 3,076 |
| Net charge-offs to loans | 0.1835% | 4,853 |
| Credit loss provision to net charge-offs | 475.1515% | 629 |
| Earnings coverage of net charge-offs (x) | 9.1214% | 2,060 |
| Efficiency ratio | 64.4961% | 5,157 |
| Assets per employee ($millions) | 6.3064% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5268% | 7,429 |
| Loan loss allowance to noncurrent loans | 12.8905% | 7,123 |
| Noncurrent assets plus other real estate owned to assets | 3.5050% | 2,037 |
| Noncurrent loans to loans | 4.0865% | 1,816 |
| Net loans and leases to total assets | 71.2886% | 2,406 |
| Net loans and leases to deposits | 102.3744% | 516 |
| Net loans and leases to core deposits | 104.7655% | 1,418 |
| Total domestic deposits to total assets | 69.6352% | 7,289 |
| Equity capital to assets | 8.3286% | 6,470 |
| Core capital (leverage) ratio | 6.9944% | 7,168 |
| Tier 1 risk-based capital ratio | 10.3704% | 6,845 |
| Total risk-based capital ratio | 10.9746% | 7,170 |
| Memoranda: | ||
| Average total assets | $161,769,250 | 3,724 |
| Average earning assets | $149,588,500 | 3,689 |
| Average equity | $13,487,000 | 4,330 |
| Average total loans | $119,917,000 | 3,370 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0522% | 4,693 |
| Cost of funding earning assets | 1.2067% | 5,090 |
| Net interest margin | 3.8454% | 3,690 |
| Noninterest income to average assets | 0.2832% | 5,878 |
| Noninterest expense to average assets | 2.3051% | 6,340 |
| Loan and lease loss provision to assets | 0.7824% | 1,840 |
| Net operating income to assets | 0.4687% | 4,469 |
| Return on assets (ROA) | 0.5402% | 4,289 |
| Pretax return on assets | 0.8694% | 3,628 |
| Return on Equity (ROE) | 6.4777% | 3,555 |
| Retained earnings to average equity (ytd only) | 6.4777% | 2,083 |
| Net charge-offs to loans | 0.0878% | 5,260 |
| Credit loss provision to net charge-offs | 1,188.6792% | 326 |
| Earnings coverage of net charge-offs (x) | 23.3962% | 1,105 |
| Efficiency ratio | 59.9483% | 6,054 |
| Assets per employee ($millions) | 6.1070% | 1,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4822% | 7,525 |
| Loan loss allowance to noncurrent loans | 17.6885% | 7,044 |
| Noncurrent assets plus other real estate owned to assets | 2.5442% | 2,842 |
| Noncurrent loans to loans | 2.7263% | 2,921 |
| Net loans and leases to total assets | 72.2133% | 2,341 |
| Net loans and leases to deposits | 103.0195% | 534 |
| Net loans and leases to core deposits | 105.0314% | 1,532 |
| Total domestic deposits to total assets | 70.0967% | 7,321 |
| Equity capital to assets | 8.1577% | 6,588 |
| Core capital (leverage) ratio | 6.9526% | 7,220 |
| Tier 1 risk-based capital ratio | 9.9020% | 7,080 |
| Total risk-based capital ratio | 10.4155% | 7,378 |
| Memoranda: | ||
| Average total assets | $161,037,000 | 3,770 |
| Average earning assets | $149,163,330 | 3,717 |
| Average equity | $13,430,670 | 4,344 |
| Average total loans | $120,720,000 | 3,398 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2006% | 4,012 |
| Cost of funding earning assets | 1.0834% | 5,979 |
| Net interest margin | 4.1173% | 2,365 |
| Noninterest income to average assets | 0.2413% | 6,224 |
| Noninterest expense to average assets | 2.2425% | 6,573 |
| Loan and lease loss provision to assets | 0.4022% | 2,955 |
| Net operating income to assets | 0.9536% | 2,349 |
| Return on assets (ROA) | 0.9654% | 2,375 |
| Pretax return on assets | 1.4455% | 1,652 |
| Return on Equity (ROE) | 11.4452% | 1,661 |
| Retained earnings to average equity (ytd only) | 11.4452% | 844 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0617% | 6,880 |
| Assets per employee ($millions) | 5.9771% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1328% | 7,833 |
| Loan loss allowance to noncurrent loans | 5.8373% | 7,377 |
| Noncurrent assets plus other real estate owned to assets | 1.7914% | 3,801 |
| Noncurrent loans to loans | 2.2746% | 3,428 |
| Net loans and leases to total assets | 74.5721% | 1,840 |
| Net loans and leases to deposits | 107.5728% | 360 |
| Net loans and leases to core deposits | 109.6697% | 1,302 |
| Total domestic deposits to total assets | 69.3225% | 7,456 |
| Equity capital to assets | 8.3907% | 6,169 |
| Core capital (leverage) ratio | 7.2450% | 7,074 |
| Tier 1 risk-based capital ratio | 10.0639% | 6,985 |
| Total risk-based capital ratio | 10.2221% | 7,499 |
| Memoranda: | ||
| Average total assets | $159,111,500 | 3,861 |
| Average earning assets | $148,058,500 | 3,799 |
| Average equity | $13,420,500 | 4,374 |
| Average total loans | $121,256,000 | 3,443 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2159% | 5,580 |
| Cost of funding earning assets | 2.4525% | 1,149 |
| Net interest margin | 2.7634% | 7,121 |
| Noninterest income to average assets | 0.3121% | 5,848 |
| Noninterest expense to average assets | 2.2723% | 6,819 |
| Loan and lease loss provision to assets | 0.6907% | 3,061 |
| Net operating income to assets | -0.0094% | 5,504 |
| Return on assets (ROA) | 0.0205% | 5,471 |
| Pretax return on assets | -0.0179% | 5,475 |
| Return on Equity (ROE) | 0.2404% | 5,456 |
| Retained earnings to average equity (ytd only) | 0.2404% | 4,767 |
| Net charge-offs to loans | 0.1691% | 5,592 |
| Credit loss provision to net charge-offs | 507.0423% | 607 |
| Earnings coverage of net charge-offs (x) | 4.5962% | 2,894 |
| Efficiency ratio | 78.3981% | 3,127 |
| Assets per employee ($millions) | 5.6015% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 4,880 |
| Loan loss allowance to noncurrent loans | 46.6647% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 2.2271% | 3,093 |
| Noncurrent loans to loans | 2.7400% | 2,822 |
| Net loans and leases to total assets | 76.7950% | 1,630 |
| Net loans and leases to deposits | 107.8386% | 466 |
| Net loans and leases to core deposits | 133.6522% | 1,076 |
| Total domestic deposits to total assets | 71.2129% | 7,316 |
| Equity capital to assets | 8.4799% | 5,911 |
| Core capital (leverage) ratio | 8.3742% | 5,490 |
| Tier 1 risk-based capital ratio | 11.8887% | 5,035 |
| Total risk-based capital ratio | 13.1596% | 4,978 |
| Memoranda: | ||
| Average total assets | $156,362,600 | 3,850 |
| Average earning assets | $146,341,600 | 3,775 |
| Average equity | $13,312,400 | 4,429 |
| Average total loans | $125,943,600 | 3,355 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2660% | 5,590 |
| Cost of funding earning assets | 2.5920% | 1,052 |
| Net interest margin | 2.6741% | 7,258 |
| Noninterest income to average assets | 0.3396% | 5,776 |
| Noninterest expense to average assets | 2.3459% | 6,568 |
| Loan and lease loss provision to assets | 0.1707% | 5,655 |
| Net operating income to assets | 0.2226% | 5,083 |
| Return on assets (ROA) | 0.2441% | 5,095 |
| Pretax return on assets | 0.3567% | 4,910 |
| Return on Equity (ROE) | 2.8637% | 4,851 |
| Retained earnings to average equity (ytd only) | 2.8637% | 3,729 |
| Net charge-offs to loans | 0.1912% | 4,871 |
| Credit loss provision to net charge-offs | 109.8901% | 4,626 |
| Earnings coverage of net charge-offs (x) | 3.1923% | 3,642 |
| Efficiency ratio | 82.5526% | 2,505 |
| Assets per employee ($millions) | 5.7679% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5632% | 7,628 |
| Loan loss allowance to noncurrent loans | 35.1980% | 6,063 |
| Noncurrent assets plus other real estate owned to assets | 1.2971% | 4,489 |
| Noncurrent loans to loans | 1.6002% | 4,235 |
| Net loans and leases to total assets | 80.6013% | 1,065 |
| Net loans and leases to deposits | 114.8543% | 293 |
| Net loans and leases to core deposits | 143.0026% | 798 |
| Total domestic deposits to total assets | 70.1770% | 7,402 |
| Equity capital to assets | 8.8588% | 5,693 |
| Core capital (leverage) ratio | 8.6879% | 5,151 |
| Tier 1 risk-based capital ratio | 12.3197% | 4,686 |
| Total risk-based capital ratio | 13.0796% | 5,069 |
| Memoranda: | ||
| Average total assets | $156,243,000 | 3,869 |
| Average earning assets | $146,191,500 | 3,793 |
| Average equity | $13,315,500 | 4,454 |
| Average total loans | $126,928,000 | 3,360 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3226% | 5,538 |
| Cost of funding earning assets | 2.7359% | 948 |
| Net interest margin | 2.5868% | 7,374 |
| Noninterest income to average assets | 0.3440% | 5,756 |
| Noninterest expense to average assets | 2.3860% | 6,508 |
| Loan and lease loss provision to assets | 0.1534% | 5,538 |
| Net operating income to assets | 0.1509% | 5,417 |
| Return on assets (ROA) | 0.1701% | 5,457 |
| Pretax return on assets | 0.2506% | 5,327 |
| Return on Equity (ROE) | 2.0220% | 5,292 |
| Retained earnings to average equity (ytd only) | 2.0220% | 4,217 |
| Net charge-offs to loans | 0.1620% | 4,584 |
| Credit loss provision to net charge-offs | 116.5049% | 3,980 |
| Earnings coverage of net charge-offs (x) | 2.8544% | 3,674 |
| Efficiency ratio | 86.3889% | 2,186 |
| Assets per employee ($millions) | 5.8511% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5638% | 7,706 |
| Loan loss allowance to noncurrent loans | 50.6419% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 0.8875% | 5,210 |
| Noncurrent loans to loans | 1.1133% | 4,990 |
| Net loans and leases to total assets | 79.2637% | 1,466 |
| Net loans and leases to deposits | 111.4563% | 500 |
| Net loans and leases to core deposits | 137.1297% | 1,150 |
| Total domestic deposits to total assets | 71.1164% | 7,349 |
| Equity capital to assets | 8.3954% | 6,202 |
| Core capital (leverage) ratio | 8.8405% | 4,878 |
| Tier 1 risk-based capital ratio | 12.1726% | 4,783 |
| Total risk-based capital ratio | 12.8571% | 5,215 |
| Memoranda: | ||
| Average total assets | $156,413,330 | 3,890 |
| Average earning assets | $146,206,000 | 3,813 |
| Average equity | $13,155,330 | 4,507 |
| Average total loans | $127,159,670 | 3,396 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3773% | 5,540 |
| Cost of funding earning assets | 2.5596% | 1,703 |
| Net interest margin | 2.8177% | 6,957 |
| Noninterest income to average assets | 0.3059% | 5,995 |
| Noninterest expense to average assets | 2.2695% | 6,632 |
| Loan and lease loss provision to assets | 0.3059% | 3,500 |
| Net operating income to assets | 0.2744% | 5,390 |
| Return on assets (ROA) | 0.2493% | 5,657 |
| Pretax return on assets | 0.3341% | 5,584 |
| Return on Equity (ROE) | 2.9615% | 5,387 |
| Retained earnings to average equity (ytd only) | 2.9615% | 4,228 |
| Net charge-offs to loans | 0.3193% | 2,822 |
| Credit loss provision to net charge-offs | 116.6667% | 3,343 |
| Earnings coverage of net charge-offs (x) | 2.5686% | 3,470 |
| Efficiency ratio | 77.1179% | 3,311 |
| Assets per employee ($millions) | 5.9614% | 1,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5608% | 7,734 |
| Loan loss allowance to noncurrent loans | 53.3835% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 0.8581% | 5,052 |
| Noncurrent loans to loans | 1.0506% | 4,883 |
| Net loans and leases to total assets | 81.2195% | 1,149 |
| Net loans and leases to deposits | 120.6011% | 278 |
| Net loans and leases to core deposits | 146.7283% | 824 |
| Total domestic deposits to total assets | 67.3456% | 7,647 |
| Equity capital to assets | 8.4751% | 6,114 |
| Core capital (leverage) ratio | 8.6710% | 5,209 |
| Tier 1 risk-based capital ratio | 12.2790% | 4,720 |
| Total risk-based capital ratio | 12.9359% | 5,138 |
| Memoranda: | ||
| Average total assets | $155,630,500 | 3,916 |
| Average earning assets | $145,650,500 | 3,833 |
| Average equity | $13,101,500 | 4,560 |
| Average total loans | $127,774,500 | 3,415 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7878% | 6,475 |
| Cost of funding earning assets | 2.8232% | 2,614 |
| Net interest margin | 2.9646% | 6,999 |
| Noninterest income to average assets | 0.3364% | 6,050 |
| Noninterest expense to average assets | 2.1980% | 6,968 |
| Loan and lease loss provision to assets | 0.1121% | 5,934 |
| Net operating income to assets | 0.6392% | 4,146 |
| Return on assets (ROA) | -0.7976% | 7,034 |
| Pretax return on assets | -1.4461% | 7,232 |
| Return on Equity (ROE) | -9.5113% | 7,244 |
| Retained earnings to average equity (ytd only) | -10.1918% | 7,086 |
| Net charge-offs to loans | 0.0254% | 6,488 |
| Credit loss provision to net charge-offs | 538.7097% | 812 |
| Earnings coverage of net charge-offs (x) | 43.7742% | 838 |
| Efficiency ratio | 70.6975% | 4,202 |
| Assets per employee ($millions) | 6.0102% | 1,132 |
| Cash dividends to net income (ytd only)* | -7.1549% | 7,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5374% | 7,787 |
| Loan loss allowance to noncurrent loans | 78.5714% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 0.5644% | 5,493 |
| Noncurrent loans to loans | 0.6840% | 5,329 |
| Net loans and leases to total assets | 82.0779% | 1,215 |
| Net loans and leases to deposits | 124.1905% | 302 |
| Net loans and leases to core deposits | 150.5953% | 832 |
| Total domestic deposits to total assets | 66.0903% | 7,655 |
| Equity capital to assets | 8.3621% | 6,322 |
| Core capital (leverage) ratio | 8.7484% | 5,117 |
| Tier 1 risk-based capital ratio | 12.1256% | 4,724 |
| Total risk-based capital ratio | 12.7620% | 5,125 |
| Memoranda: | ||
| Average total assets | $148,950,800 | 3,918 |
| Average earning assets | $139,309,800 | 3,863 |
| Average equity | $12,490,400 | 4,699 |
| Average total loans | $122,122,600 | 3,418 |