Home > Commercial State Bank > Performance and Condition Ratios
Commercial State Bank, Performance and Condition Ratios
| 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 | 4.7065% | 2,402 |
| Cost of funding earning assets | 0.8274% | 2,580 |
| Net interest margin | 3.8792% | 2,332 |
| Noninterest income to average assets | 0.4640% | 2,937 |
| Noninterest expense to average assets | 2.8458% | 2,418 |
| Loan and lease loss provision to assets | 0.1262% | 1,542 |
| Net operating income to assets | 0.9757% | 3,068 |
| Return on assets (ROA) | 0.9757% | 3,147 |
| Pretax return on assets | 0.9757% | 3,661 |
| Return on Equity (ROE) | 5.8026% | 4,103 |
| Retained earnings to average equity (ytd only) | 0.4502% | 4,676 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0881% | 1,827 |
| Assets per employee ($millions) | 4.5218% | 3,163 |
| Cash dividends to net income (ytd only)* | 92.2412% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0944% | 395 |
| Loan loss allowance to noncurrent loans | 33.2677% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 3.4434% | 146 |
| Noncurrent loans to loans | 6.2955% | 68 |
| Net loans and leases to total assets | 52.3636% | 4,295 |
| Net loans and leases to deposits | 64.5392% | 4,143 |
| Net loans and leases to core deposits | 68.2349% | 4,158 |
| Total domestic deposits to total assets | 81.1345% | 3,715 |
| Equity capital to assets | 17.8758% | 401 |
| Core capital (leverage) ratio | 16.6123% | 486 |
| Tier 1 risk-based capital ratio | 26.8120% | 658 |
| Total risk-based capital ratio | 28.0683% | 645 |
| Memoranda: | ||
| Average total assets | $95,108,500 | 4,116 |
| Average earning assets | $85,411,000 | 4,155 |
| Average equity | $15,992,500 | 3,578 |
| Average total loans | $48,361,750 | 4,265 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 3,149 |
| Cost of funding earning assets | 0.7931% | 2,680 |
| Net interest margin | 3.6670% | 3,043 |
| Noninterest income to average assets | 0.4490% | 2,963 |
| Noninterest expense to average assets | 2.7290% | 2,817 |
| Loan and lease loss provision to assets | 0.1241% | 1,498 |
| Net operating income to assets | 0.8772% | 3,374 |
| Return on assets (ROA) | 0.8772% | 3,439 |
| Pretax return on assets | 0.8772% | 3,914 |
| Return on Equity (ROE) | 5.3217% | 4,256 |
| Retained earnings to average equity (ytd only) | -0.6652% | 4,784 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1559% | 1,754 |
| Assets per employee ($millions) | 4.3864% | 3,305 |
| Cash dividends to net income (ytd only)* | 112.5000% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9389% | 528 |
| Loan loss allowance to noncurrent loans | 14.3148% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 7.7154% | 29 |
| Noncurrent loans to loans | 13.5446% | 11 |
| Net loans and leases to total assets | 54.0270% | 4,206 |
| Net loans and leases to deposits | 66.6359% | 4,053 |
| Net loans and leases to core deposits | 70.6175% | 4,084 |
| Total domestic deposits to total assets | 81.0780% | 3,783 |
| Equity capital to assets | 17.3880% | 432 |
| Core capital (leverage) ratio | 15.9713% | 546 |
| Tier 1 risk-based capital ratio | 24.7007% | 778 |
| Total risk-based capital ratio | 25.9543% | 761 |
| Memoranda: | ||
| Average total assets | $96,666,330 | 4,121 |
| Average earning assets | $86,500,670 | 4,165 |
| Average equity | $15,934,670 | 3,585 |
| Average total loans | $48,359,670 | 4,291 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7912% | 1,921 |
| Cost of funding earning assets | 0.7007% | 3,054 |
| Net interest margin | 4.0905% | 1,570 |
| Noninterest income to average assets | 0.4366% | 2,935 |
| Noninterest expense to average assets | 2.6480% | 3,060 |
| Loan and lease loss provision to assets | 0.1213% | 1,446 |
| Net operating income to assets | 1.3018% | 1,690 |
| Return on assets (ROA) | 1.3018% | 1,729 |
| Pretax return on assets | 1.3018% | 2,447 |
| Return on Equity (ROE) | 8.1039% | 3,220 |
| Retained earnings to average equity (ytd only) | 4.3288% | 3,191 |
| Net charge-offs to loans | 0.0085% | 2,388 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 352.0000% | 226 |
| Efficiency ratio | 65.0447% | 3,077 |
| Assets per employee ($millions) | 4.1196% | 3,740 |
| Cash dividends to net income (ytd only)* | 46.5839% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9798% | 523 |
| Loan loss allowance to noncurrent loans | 86.8613% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.4206% | 869 |
| Noncurrent loans to loans | 2.2792% | 609 |
| Net loans and leases to total assets | 49.7451% | 4,486 |
| Net loans and leases to deposits | 60.6522% | 4,377 |
| Net loans and leases to core deposits | 63.8473% | 4,389 |
| Total domestic deposits to total assets | 82.0171% | 3,723 |
| Equity capital to assets | 16.9655% | 451 |
| Core capital (leverage) ratio | 15.2162% | 652 |
| Tier 1 risk-based capital ratio | 26.2978% | 666 |
| Total risk-based capital ratio | 27.5534% | 651 |
| Memoranda: | ||
| Average total assets | $98,942,000 | 4,123 |
| Average earning assets | $87,911,000 | 4,182 |
| Average equity | $15,893,500 | 3,594 |
| Average total loans | $47,164,000 | 4,363 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7482% | 1,684 |
| Cost of funding earning assets | 0.5943% | 2,770 |
| Net interest margin | 4.1539% | 1,520 |
| Noninterest income to average assets | 0.5081% | 2,787 |
| Noninterest expense to average assets | 2.9161% | 2,295 |
| Loan and lease loss provision to assets | 0.1311% | 1,673 |
| Net operating income to assets | 1.1800% | 2,270 |
| Return on assets (ROA) | 1.1800% | 2,264 |
| Pretax return on assets | 1.1800% | 2,964 |
| Return on Equity (ROE) | 7.0184% | 3,812 |
| Retained earnings to average equity (ytd only) | 3.2232% | 3,790 |
| Net charge-offs to loans | 0.0374% | 2,652 |
| Credit loss provision to net charge-offs | 666.6667% | 520 |
| Earnings coverage of net charge-offs (x) | 66.6667% | 961 |
| Efficiency ratio | 68.9842% | 2,393 |
| Assets per employee ($millions) | 4.2972% | 3,468 |
| Cash dividends to net income (ytd only)* | 54.0741% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9960% | 475 |
| Loan loss allowance to noncurrent loans | 68.3704% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.5543% | 742 |
| Noncurrent loans to loans | 2.9194% | 355 |
| Net loans and leases to total assets | 43.9423% | 4,818 |
| Net loans and leases to deposits | 52.1664% | 4,819 |
| Net loans and leases to core deposits | 54.3856% | 4,835 |
| Total domestic deposits to total assets | 84.2349% | 2,925 |
| Equity capital to assets | 15.2347% | 660 |
| Core capital (leverage) ratio | 16.2505% | 485 |
| Tier 1 risk-based capital ratio | 26.5475% | 641 |
| Total risk-based capital ratio | 27.8030% | 628 |
| Memoranda: | ||
| Average total assets | $91,524,800 | 4,243 |
| Average earning assets | $81,946,800 | 4,288 |
| Average equity | $15,388,200 | 3,589 |
| Average total loans | $48,137,400 | 4,352 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7908% | 1,451 |
| Cost of funding earning assets | 0.5782% | 2,642 |
| Net interest margin | 4.2126% | 1,318 |
| Noninterest income to average assets | 0.5371% | 2,632 |
| Noninterest expense to average assets | 2.9533% | 2,155 |
| Loan and lease loss provision to assets | 0.1354% | 1,480 |
| Net operating income to assets | 1.2517% | 2,037 |
| Return on assets (ROA) | 1.2517% | 2,043 |
| Pretax return on assets | 1.2517% | 2,804 |
| Return on Equity (ROE) | 7.2470% | 3,841 |
| Retained earnings to average equity (ytd only) | 2.1602% | 4,518 |
| Net charge-offs to loans | 0.0110% | 3,029 |
| Credit loss provision to net charge-offs | 2,250.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 230.6379% | 398 |
| Efficiency ratio | 68.0416% | 2,532 |
| Assets per employee ($millions) | 3.4740% | 4,594 |
| Cash dividends to net income (ytd only)* | 70.1923% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7305% | 825 |
| Loan loss allowance to noncurrent loans | 62.3626% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 2.0546% | 513 |
| Noncurrent loans to loans | 2.7749% | 431 |
| Net loans and leases to total assets | 61.8447% | 3,673 |
| Net loans and leases to deposits | 76.6725% | 3,358 |
| Net loans and leases to core deposits | 80.9161% | 3,413 |
| Total domestic deposits to total assets | 80.6609% | 3,964 |
| Equity capital to assets | 18.3412% | 308 |
| Core capital (leverage) ratio | 17.6161% | 365 |
| Tier 1 risk-based capital ratio | 25.5730% | 708 |
| Total risk-based capital ratio | 26.8270% | 693 |
| Memoranda: | ||
| Average total assets | $88,622,750 | 4,336 |
| Average earning assets | $80,012,500 | 4,366 |
| Average equity | $15,307,250 | 3,626 |
| Average total loans | $48,611,250 | 4,387 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5074% | 2,073 |
| Cost of funding earning assets | 0.5561% | 2,559 |
| Net interest margin | 3.9513% | 2,030 |
| Noninterest income to average assets | 0.5289% | 2,698 |
| Noninterest expense to average assets | 2.9146% | 2,313 |
| Loan and lease loss provision to assets | 0.1328% | 1,487 |
| Net operating income to assets | 1.0512% | 2,800 |
| Return on assets (ROA) | 1.0512% | 2,791 |
| Pretax return on assets | 1.0512% | 3,510 |
| Return on Equity (ROE) | 6.2042% | 4,163 |
| Retained earnings to average equity (ytd only) | 0.3004% | 4,908 |
| Net charge-offs to loans | -0.0127% | 4,397 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1123% | 2,145 |
| Assets per employee ($millions) | 3.5485% | 4,535 |
| Cash dividends to net income (ytd only)* | 95.1579% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7225% | 869 |
| Loan loss allowance to noncurrent loans | 34.0786% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 3.2091% | 218 |
| Noncurrent loans to loans | 5.0545% | 136 |
| Net loans and leases to total assets | 59.2234% | 3,882 |
| Net loans and leases to deposits | 72.7030% | 3,659 |
| Net loans and leases to core deposits | 77.3277% | 3,637 |
| Total domestic deposits to total assets | 81.4593% | 3,875 |
| Equity capital to assets | 17.8444% | 339 |
| Core capital (leverage) ratio | 16.8093% | 417 |
| Tier 1 risk-based capital ratio | 24.8582% | 742 |
| Total risk-based capital ratio | 26.1116% | 725 |
| Memoranda: | ||
| Average total assets | $90,372,000 | 4,342 |
| Average earning assets | $81,644,330 | 4,374 |
| Average equity | $15,312,330 | 3,644 |
| Average total loans | $47,324,670 | 4,452 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8798% | 907 |
| Cost of funding earning assets | 0.5594% | 2,324 |
| Net interest margin | 4.3204% | 920 |
| Noninterest income to average assets | 0.5163% | 2,712 |
| Noninterest expense to average assets | 2.8696% | 2,468 |
| Loan and lease loss provision to assets | 0.1291% | 1,462 |
| Net operating income to assets | 1.2390% | 1,851 |
| Return on assets (ROA) | 1.2390% | 1,861 |
| Pretax return on assets | 1.2390% | 2,601 |
| Return on Equity (ROE) | 7.4951% | 3,589 |
| Retained earnings to average equity (ytd only) | 3.8517% | 3,653 |
| Net charge-offs to loans | -0.0176% | 4,492 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7157% | 2,879 |
| Assets per employee ($millions) | 3.6671% | 4,454 |
| Cash dividends to net income (ytd only)* | 48.6111% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8036% | 782 |
| Loan loss allowance to noncurrent loans | 79.7196% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.3964% | 1,041 |
| Noncurrent loans to loans | 2.2625% | 652 |
| Net loans and leases to total assets | 52.7667% | 4,385 |
| Net loans and leases to deposits | 64.3900% | 4,190 |
| Net loans and leases to core deposits | 68.3042% | 4,200 |
| Total domestic deposits to total assets | 81.9486% | 3,981 |
| Equity capital to assets | 17.4480% | 362 |
| Core capital (leverage) ratio | 16.0900% | 475 |
| Tier 1 risk-based capital ratio | 26.3184% | 658 |
| Total risk-based capital ratio | 27.5726% | 650 |
| Memoranda: | ||
| Average total assets | $92,976,000 | 4,347 |
| Average earning assets | $80,086,000 | 4,445 |
| Average equity | $15,370,000 | 3,661 |
| Average total loans | $45,326,500 | 4,554 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5243% | 1,636 |
| Cost of funding earning assets | 0.5248% | 2,145 |
| Net interest margin | 3.9995% | 1,759 |
| Noninterest income to average assets | 0.5376% | 2,785 |
| Noninterest expense to average assets | 2.8485% | 2,612 |
| Loan and lease loss provision to assets | 0.4552% | 299 |
| Net operating income to assets | 0.8357% | 3,010 |
| Return on assets (ROA) | 0.8660% | 2,905 |
| Pretax return on assets | 0.8660% | 4,028 |
| Return on Equity (ROE) | 5.2769% | 4,053 |
| Retained earnings to average equity (ytd only) | 3.9758% | 2,811 |
| Net charge-offs to loans | 0.1950% | 1,308 |
| Credit loss provision to net charge-offs | 456.5217% | 690 |
| Earnings coverage of net charge-offs (x) | 12.9457% | 2,436 |
| Efficiency ratio | 68.8138% | 2,742 |
| Assets per employee ($millions) | 4.0809% | 3,839 |
| Cash dividends to net income (ytd only)* | 24.6558% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8958% | 650 |
| Loan loss allowance to noncurrent loans | 68.3292% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 1.3906% | 1,014 |
| Noncurrent loans to loans | 2.7744% | 432 |
| Net loans and leases to total assets | 43.4318% | 5,004 |
| Net loans and leases to deposits | 51.7935% | 4,996 |
| Net loans and leases to core deposits | 54.3117% | 4,992 |
| Total domestic deposits to total assets | 83.8558% | 3,254 |
| Equity capital to assets | 15.7073% | 553 |
| Core capital (leverage) ratio | 16.4038% | 429 |
| Tier 1 risk-based capital ratio | 26.0250% | 663 |
| Total risk-based capital ratio | 27.2780% | 653 |
| Memoranda: | ||
| Average total assets | $92,259,400 | 4,388 |
| Average earning assets | $83,085,200 | 4,421 |
| Average equity | $15,141,600 | 3,707 |
| Average total loans | $47,178,200 | 4,535 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4964% | 1,655 |
| Cost of funding earning assets | 0.5429% | 1,944 |
| Net interest margin | 3.9534% | 1,850 |
| Noninterest income to average assets | 0.5416% | 2,767 |
| Noninterest expense to average assets | 2.8959% | 2,423 |
| Loan and lease loss provision to assets | 0.6165% | 178 |
| Net operating income to assets | 0.5989% | 4,398 |
| Return on assets (ROA) | 0.6399% | 4,285 |
| Pretax return on assets | 0.6399% | 4,759 |
| Return on Equity (ROE) | 3.8547% | 4,900 |
| Retained earnings to average equity (ytd only) | 2.1130% | 4,596 |
| Net charge-offs to loans | 0.1717% | 1,216 |
| Credit loss provision to net charge-offs | 677.4194% | 490 |
| Earnings coverage of net charge-offs (x) | 13.3556% | 2,355 |
| Efficiency ratio | 70.4391% | 2,464 |
| Assets per employee ($millions) | 3.5161% | 4,713 |
| Cash dividends to net income (ytd only)* | 45.1834% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6508% | 1,132 |
| Loan loss allowance to noncurrent loans | 46.1039% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 2.3535% | 483 |
| Noncurrent loans to loans | 3.5806% | 302 |
| Net loans and leases to total assets | 60.1510% | 3,845 |
| Net loans and leases to deposits | 74.0964% | 3,549 |
| Net loans and leases to core deposits | 77.8059% | 3,656 |
| Total domestic deposits to total assets | 81.1793% | 3,999 |
| Equity capital to assets | 18.0859% | 329 |
| Core capital (leverage) ratio | 16.4641% | 436 |
| Tier 1 risk-based capital ratio | 37.9105% | 259 |
| Total risk-based capital ratio | 39.1740% | 252 |
| Memoranda: | ||
| Average total assets | $90,838,750 | 4,454 |
| Average earning assets | $82,020,000 | 4,475 |
| Average equity | $15,081,000 | 3,744 |
| Average total loans | $48,132,750 | 4,553 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2957% | 2,144 |
| Cost of funding earning assets | 0.5358% | 1,871 |
| Net interest margin | 3.7600% | 2,438 |
| Noninterest income to average assets | 0.5181% | 2,909 |
| Noninterest expense to average assets | 2.8032% | 2,749 |
| Loan and lease loss provision to assets | 0.5589% | 200 |
| Net operating income to assets | 0.5503% | 4,521 |
| Return on assets (ROA) | 0.6105% | 4,298 |
| Pretax return on assets | 0.6105% | 4,776 |
| Return on Equity (ROE) | 3.7697% | 4,887 |
| Retained earnings to average equity (ytd only) | 1.6327% | 4,604 |
| Net charge-offs to loans | 0.2257% | 904 |
| Credit loss provision to net charge-offs | 490.5660% | 677 |
| Earnings coverage of net charge-offs (x) | 9.7358% | 2,400 |
| Efficiency ratio | 71.6484% | 2,406 |
| Assets per employee ($millions) | 3.6895% | 4,449 |
| Cash dividends to net income (ytd only)* | 56.6901% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 2,007 |
| Loan loss allowance to noncurrent loans | 37.5067% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 2.2666% | 514 |
| Noncurrent loans to loans | 3.6960% | 283 |
| Net loans and leases to total assets | 56.3163% | 4,194 |
| Net loans and leases to deposits | 69.1867% | 3,970 |
| Net loans and leases to core deposits | 72.1884% | 4,081 |
| Total domestic deposits to total assets | 81.3977% | 4,078 |
| Equity capital to assets | 17.1715% | 392 |
| Core capital (leverage) ratio | 15.3892% | 563 |
| Tier 1 risk-based capital ratio | 24.1704% | 835 |
| Total risk-based capital ratio | 25.3845% | 814 |
| Memoranda: | ||
| Average total assets | $93,036,330 | 4,437 |
| Average earning assets | $83,990,330 | 4,466 |
| Average equity | $15,067,330 | 3,752 |
| Average total loans | $46,973,330 | 4,609 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0575% | 2,813 |
| Cost of funding earning assets | 0.5363% | 1,813 |
| Net interest margin | 3.5212% | 3,193 |
| Noninterest income to average assets | 0.4786% | 3,132 |
| Noninterest expense to average assets | 2.7120% | 3,101 |
| Loan and lease loss provision to assets | 0.8396% | 117 |
| Net operating income to assets | 0.0966% | 5,523 |
| Return on assets (ROA) | 0.0966% | 5,525 |
| Pretax return on assets | 0.0966% | 5,519 |
| Return on Equity (ROE) | 0.6134% | 5,549 |
| Retained earnings to average equity (ytd only) | -0.7201% | 5,032 |
| Net charge-offs to loans | 0.3276% | 561 |
| Credit loss provision to net charge-offs | 540.5405% | 546 |
| Earnings coverage of net charge-offs (x) | 6.0270% | 2,240 |
| Efficiency ratio | 74.3383% | 2,175 |
| Assets per employee ($millions) | 3.8818% | 4,208 |
| Cash dividends to net income (ytd only)* | 217.3913% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4025% | 2,061 |
| Loan loss allowance to noncurrent loans | 35.3796% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 2.1425% | 591 |
| Noncurrent loans to loans | 3.9641% | 265 |
| Net loans and leases to total assets | 49.5776% | 4,707 |
| Net loans and leases to deposits | 59.7192% | 4,582 |
| Net loans and leases to core deposits | 62.3244% | 4,630 |
| Total domestic deposits to total assets | 83.0179% | 3,828 |
| Equity capital to assets | 16.0858% | 483 |
| Core capital (leverage) ratio | 14.4623% | 721 |
| Tier 1 risk-based capital ratio | 24.5768% | 813 |
| Total risk-based capital ratio | 25.7463% | 799 |
| Memoranda: | ||
| Average total assets | $95,280,500 | 4,435 |
| Average earning assets | $85,766,500 | 4,480 |
| Average equity | $14,998,500 | 3,786 |
| Average total loans | $45,176,000 | 4,698 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4700% | 1,632 |
| Cost of funding earning assets | 0.5497% | 1,693 |
| Net interest margin | 3.9203% | 1,898 |
| Noninterest income to average assets | 0.5337% | 3,010 |
| Noninterest expense to average assets | 2.7930% | 3,044 |
| Loan and lease loss provision to assets | 0.7901% | 145 |
| Net operating income to assets | 0.3464% | 5,094 |
| Return on assets (ROA) | 0.3621% | 5,135 |
| Pretax return on assets | 0.3621% | 5,281 |
| Return on Equity (ROE) | 2.2675% | 5,339 |
| Retained earnings to average equity (ytd only) | -1.5990% | 5,498 |
| Net charge-offs to loans | 1.8708% | 76 |
| Credit loss provision to net charge-offs | 83.6102% | 2,915 |
| Earnings coverage of net charge-offs (x) | 1.2027% | 4,024 |
| Efficiency ratio | 71.0786% | 2,731 |
| Assets per employee ($millions) | 4.6380% | 2,902 |
| Cash dividends to net income (ytd only)* | 170.5202% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 3,513 |
| Loan loss allowance to noncurrent loans | 31.8915% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 1.7834% | 831 |
| Noncurrent loans to loans | 3.5603% | 331 |
| Net loans and leases to total assets | 44.1621% | 5,105 |
| Net loans and leases to deposits | 52.6623% | 5,083 |
| Net loans and leases to core deposits | 54.2518% | 5,137 |
| Total domestic deposits to total assets | 83.8590% | 3,479 |
| Equity capital to assets | 15.4120% | 581 |
| Core capital (leverage) ratio | 14.9475% | 606 |
| Tier 1 risk-based capital ratio | 24.2774% | 846 |
| Total risk-based capital ratio | 25.1444% | 858 |
| Memoranda: | ||
| Average total assets | $95,559,200 | 4,439 |
| Average earning assets | $82,774,600 | 4,542 |
| Average equity | $15,259,400 | 3,782 |
| Average total loans | $48,268,600 | 4,625 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4731% | 1,626 |
| Cost of funding earning assets | 0.5671% | 1,568 |
| Net interest margin | 3.9059% | 1,954 |
| Noninterest income to average assets | 0.5187% | 3,126 |
| Noninterest expense to average assets | 2.8643% | 2,768 |
| Loan and lease loss provision to assets | 0.9071% | 116 |
| Net operating income to assets | 0.0883% | 5,636 |
| Return on assets (ROA) | 0.0883% | 5,684 |
| Pretax return on assets | 0.0883% | 5,690 |
| Return on Equity (ROE) | 0.5482% | 5,695 |
| Retained earnings to average equity (ytd only) | -4.5860% | 5,723 |
| Net charge-offs to loans | 1.9517% | 61 |
| Credit loss provision to net charge-offs | 89.3646% | 2,538 |
| Earnings coverage of net charge-offs (x) | 0.9807% | 3,742 |
| Efficiency ratio | 74.2100% | 2,249 |
| Assets per employee ($millions) | 3.2624% | 5,090 |
| Cash dividends to net income (ytd only)* | 936.4881% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 3,551 |
| Loan loss allowance to noncurrent loans | 17.7172% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 3.7328% | 241 |
| Noncurrent loans to loans | 6.4792% | 101 |
| Net loans and leases to total assets | 55.2359% | 4,383 |
| Net loans and leases to deposits | 67.4878% | 4,208 |
| Net loans and leases to core deposits | 70.3143% | 4,300 |
| Total domestic deposits to total assets | 81.8457% | 3,980 |
| Equity capital to assets | 17.1688% | 418 |
| Core capital (leverage) ratio | 15.2252% | 591 |
| Tier 1 risk-based capital ratio | 23.4287% | 957 |
| Total risk-based capital ratio | 24.4056% | 974 |
| Memoranda: | ||
| Average total assets | $95,099,500 | 4,479 |
| Average earning assets | $81,344,000 | 4,597 |
| Average equity | $15,321,500 | 3,803 |
| Average total loans | $49,459,000 | 4,634 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3563% | 1,961 |
| Cost of funding earning assets | 0.5698% | 1,549 |
| Net interest margin | 3.7865% | 2,379 |
| Noninterest income to average assets | 0.4495% | 3,528 |
| Noninterest expense to average assets | 2.7751% | 3,113 |
| Loan and lease loss provision to assets | 0.7697% | 139 |
| Net operating income to assets | 0.0965% | 5,669 |
| Return on assets (ROA) | 0.0965% | 5,713 |
| Pretax return on assets | 0.0965% | 5,727 |
| Return on Equity (ROE) | 0.6109% | 5,742 |
| Retained earnings to average equity (ytd only) | -5.3679% | 5,763 |
| Net charge-offs to loans | 0.0202% | 3,088 |
| Credit loss provision to net charge-offs | 7,500.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 84.4000% | 676 |
| Efficiency ratio | 76.2120% | 2,050 |
| Assets per employee ($millions) | 3.3363% | 5,010 |
| Cash dividends to net income (ytd only)* | 978.7234% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9386% | 840 |
| Loan loss allowance to noncurrent loans | 28.2560% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 4.0486% | 215 |
| Noncurrent loans to loans | 6.8610% | 90 |
| Net loans and leases to total assets | 56.7700% | 4,226 |
| Net loans and leases to deposits | 69.0797% | 4,075 |
| Net loans and leases to core deposits | 71.8769% | 4,192 |
| Total domestic deposits to total assets | 82.1805% | 3,945 |
| Equity capital to assets | 16.9181% | 444 |
| Core capital (leverage) ratio | 14.7494% | 654 |
| Tier 1 risk-based capital ratio | 22.3461% | 1,097 |
| Total risk-based capital ratio | 23.6005% | 1,080 |
| Memoranda: | ||
| Average total assets | $97,438,000 | 4,466 |
| Average earning assets | $82,134,670 | 4,620 |
| Average equity | $15,387,670 | 3,814 |
| Average total loans | $49,539,000 | 4,662 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2715% | 2,231 |
| Cost of funding earning assets | 0.5727% | 1,527 |
| Net interest margin | 3.6989% | 2,675 |
| Noninterest income to average assets | 0.3956% | 3,861 |
| Noninterest expense to average assets | 2.6504% | 3,576 |
| Loan and lease loss provision to assets | 0.0791% | 2,380 |
| Net operating income to assets | 0.7833% | 3,331 |
| Return on assets (ROA) | 0.7833% | 3,437 |
| Pretax return on assets | 0.7833% | 4,260 |
| Return on Equity (ROE) | 5.1224% | 4,428 |
| Retained earnings to average equity (ytd only) | -0.0517% | 5,117 |
| Net charge-offs to loans | -0.0083% | 4,457 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4505% | 2,261 |
| Assets per employee ($millions) | 3.8584% | 4,198 |
| Cash dividends to net income (ytd only)* | 101.0101% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 2,808 |
| Loan loss allowance to noncurrent loans | 31.2000% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 2.2745% | 701 |
| Noncurrent loans to loans | 4.2267% | 274 |
| Net loans and leases to total assets | 51.4338% | 4,686 |
| Net loans and leases to deposits | 61.8925% | 4,582 |
| Net loans and leases to core deposits | 64.6061% | 4,651 |
| Total domestic deposits to total assets | 83.1018% | 3,859 |
| Equity capital to assets | 16.1238% | 519 |
| Core capital (leverage) ratio | 13.8778% | 846 |
| Tier 1 risk-based capital ratio | 23.4475% | 970 |
| Total risk-based capital ratio | 24.5519% | 974 |
| Memoranda: | ||
| Average total assets | $101,116,500 | 4,447 |
| Average earning assets | $85,215,500 | 4,590 |
| Average equity | $15,461,500 | 3,819 |
| Average total loans | $48,233,500 | 4,730 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4114% | 1,863 |
| Cost of funding earning assets | 0.5793% | 1,499 |
| Net interest margin | 3.8321% | 2,268 |
| Noninterest income to average assets | 0.4897% | 3,397 |
| Noninterest expense to average assets | 2.6270% | 3,827 |
| Loan and lease loss provision to assets | 0.1171% | 2,035 |
| Net operating income to assets | 0.9531% | 2,598 |
| Return on assets (ROA) | 0.9531% | 2,679 |
| Pretax return on assets | 0.9531% | 3,638 |
| Return on Equity (ROE) | 6.4096% | 3,836 |
| Retained earnings to average equity (ytd only) | 3.1293% | 3,828 |
| Net charge-offs to loans | 0.3160% | 953 |
| Credit loss provision to net charge-offs | 81.0811% | 2,930 |
| Earnings coverage of net charge-offs (x) | 7.4122% | 3,083 |
| Efficiency ratio | 71.0554% | 3,059 |
| Assets per employee ($millions) | 4.0714% | 3,815 |
| Cash dividends to net income (ytd only)* | 51.1771% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 2,476 |
| Loan loss allowance to noncurrent loans | 42.6862% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 1.8336% | 1,028 |
| Noncurrent loans to loans | 3.2560% | 460 |
| Net loans and leases to total assets | 43.0288% | 5,347 |
| Net loans and leases to deposits | 50.7572% | 5,347 |
| Net loans and leases to core deposits | 52.5739% | 5,390 |
| Total domestic deposits to total assets | 84.7738% | 3,185 |
| Equity capital to assets | 14.5989% | 750 |
| Core capital (leverage) ratio | 14.3835% | 735 |
| Tier 1 risk-based capital ratio | 34.0270% | 363 |
| Total risk-based capital ratio | 35.2838% | 355 |
| Memoranda: | ||
| Average total assets | $102,510,800 | 4,415 |
| Average earning assets | $85,800,400 | 4,593 |
| Average equity | $15,242,800 | 3,795 |
| Average total loans | $46,840,000 | 4,764 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4538% | 1,745 |
| Cost of funding earning assets | 0.5858% | 1,496 |
| Net interest margin | 3.8681% | 2,133 |
| Noninterest income to average assets | 0.4629% | 3,614 |
| Noninterest expense to average assets | 2.6135% | 3,825 |
| Loan and lease loss provision to assets | 0.1180% | 1,929 |
| Net operating income to assets | 0.9612% | 2,664 |
| Return on assets (ROA) | 0.9612% | 2,750 |
| Pretax return on assets | 0.9612% | 3,776 |
| Return on Equity (ROE) | 6.4339% | 3,942 |
| Retained earnings to average equity (ytd only) | 2.0452% | 4,854 |
| Net charge-offs to loans | 0.1588% | 1,554 |
| Credit loss provision to net charge-offs | 160.7143% | 1,595 |
| Earnings coverage of net charge-offs (x) | 14.6974% | 2,236 |
| Efficiency ratio | 70.7741% | 3,082 |
| Assets per employee ($millions) | 3.6574% | 4,507 |
| Cash dividends to net income (ytd only)* | 68.2127% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4364% | 2,424 |
| Loan loss allowance to noncurrent loans | 45.8333% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 2.0906% | 949 |
| Noncurrent loans to loans | 3.1339% | 543 |
| Net loans and leases to total assets | 50.8018% | 4,866 |
| Net loans and leases to deposits | 61.1956% | 4,774 |
| Net loans and leases to core deposits | 63.6851% | 4,835 |
| Total domestic deposits to total assets | 83.0156% | 3,815 |
| Equity capital to assets | 16.1074% | 546 |
| Core capital (leverage) ratio | 14.2718% | 794 |
| Tier 1 risk-based capital ratio | 23.7533% | 973 |
| Total risk-based capital ratio | 24.9548% | 965 |
| Memoranda: | ||
| Average total assets | $101,674,250 | 4,480 |
| Average earning assets | $84,898,250 | 4,664 |
| Average equity | $15,190,000 | 3,841 |
| Average total loans | $47,002,250 | 4,809 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3765% | 1,930 |
| Cost of funding earning assets | 0.5786% | 1,584 |
| Net interest margin | 3.7979% | 2,322 |
| Noninterest income to average assets | 0.4621% | 3,617 |
| Noninterest expense to average assets | 2.5205% | 4,176 |
| Loan and lease loss provision to assets | 0.1155% | 1,911 |
| Net operating income to assets | 0.9859% | 2,471 |
| Return on assets (ROA) | 0.9859% | 2,577 |
| Pretax return on assets | 0.9859% | 3,644 |
| Return on Equity (ROE) | 6.7601% | 3,757 |
| Retained earnings to average equity (ytd only) | 2.0069% | 4,697 |
| Net charge-offs to loans | 0.2202% | 1,160 |
| Credit loss provision to net charge-offs | 117.6471% | 1,831 |
| Earnings coverage of net charge-offs (x) | 11.2157% | 2,314 |
| Efficiency ratio | 69.5906% | 3,402 |
| Assets per employee ($millions) | 3.6368% | 4,560 |
| Cash dividends to net income (ytd only)* | 70.3125% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3562% | 2,953 |
| Loan loss allowance to noncurrent loans | 45.4973% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 1.9757% | 1,123 |
| Noncurrent loans to loans | 2.9809% | 667 |
| Net loans and leases to total assets | 50.1466% | 4,916 |
| Net loans and leases to deposits | 59.7483% | 4,869 |
| Net loans and leases to core deposits | 61.6731% | 4,968 |
| Total domestic deposits to total assets | 83.9298% | 3,599 |
| Equity capital to assets | 15.3237% | 642 |
| Core capital (leverage) ratio | 13.4243% | 1,007 |
| Tier 1 risk-based capital ratio | 21.9893% | 1,212 |
| Total risk-based capital ratio | 23.0653% | 1,217 |
| Memoranda: | ||
| Average total assets | $103,868,000 | 4,469 |
| Average earning assets | $86,415,330 | 4,668 |
| Average equity | $15,147,670 | 3,863 |
| Average total loans | $46,332,000 | 4,881 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3168% | 2,038 |
| Cost of funding earning assets | 0.5808% | 1,577 |
| Net interest margin | 3.7360% | 2,489 |
| Noninterest income to average assets | 0.4911% | 3,340 |
| Noninterest expense to average assets | 2.5004% | 4,260 |
| Loan and lease loss provision to assets | 0.1125% | 1,835 |
| Net operating income to assets | 0.9409% | 2,553 |
| Return on assets (ROA) | 0.9409% | 2,688 |
| Pretax return on assets | 0.9409% | 3,739 |
| Return on Equity (ROE) | 6.6061% | 3,709 |
| Retained earnings to average equity (ytd only) | 4.5006% | 3,324 |
| Net charge-offs to loans | -0.0269% | 5,186 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3586% | 3,419 |
| Assets per employee ($millions) | 3.8717% | 4,213 |
| Cash dividends to net income (ytd only)* | 31.8725% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5370% | 2,292 |
| Loan loss allowance to noncurrent loans | 40.5655% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 1.9467% | 1,234 |
| Noncurrent loans to loans | 3.7890% | 476 |
| Net loans and leases to total assets | 43.0804% | 5,422 |
| Net loans and leases to deposits | 50.8968% | 5,395 |
| Net loans and leases to core deposits | 52.5692% | 5,448 |
| Total domestic deposits to total assets | 84.6428% | 3,563 |
| Equity capital to assets | 14.7249% | 775 |
| Core capital (leverage) ratio | 13.2146% | 1,083 |
| Tier 1 risk-based capital ratio | 21.5035% | 1,323 |
| Total risk-based capital ratio | 22.5945% | 1,333 |
| Memoranda: | ||
| Average total assets | $106,705,000 | 4,444 |
| Average earning assets | $87,473,000 | 4,681 |
| Average equity | $15,198,000 | 3,887 |
| Average total loans | $44,539,000 | 4,967 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0983% | 3,336 |
| Cost of funding earning assets | 0.6512% | 1,395 |
| Net interest margin | 3.4471% | 3,994 |
| Noninterest income to average assets | 0.3985% | 4,190 |
| Noninterest expense to average assets | 2.6520% | 4,040 |
| Loan and lease loss provision to assets | 0.0440% | 3,690 |
| Net operating income to assets | 0.6586% | 4,097 |
| Return on assets (ROA) | 0.7091% | 3,961 |
| Pretax return on assets | 0.7091% | 4,588 |
| Return on Equity (ROE) | 5.2098% | 4,552 |
| Retained earnings to average equity (ytd only) | 1.9107% | 4,849 |
| Net charge-offs to loans | 0.2346% | 1,802 |
| Credit loss provision to net charge-offs | 43.9252% | 3,606 |
| Earnings coverage of net charge-offs (x) | 7.0187% | 3,101 |
| Efficiency ratio | 79.0574% | 2,057 |
| Assets per employee ($millions) | 4.0323% | 3,881 |
| Cash dividends to net income (ytd only)* | 63.3245% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 2,286 |
| Loan loss allowance to noncurrent loans | 30.2578% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 2.4111% | 968 |
| Noncurrent loans to loans | 5.1015% | 280 |
| Net loans and leases to total assets | 39.1934% | 5,790 |
| Net loans and leases to deposits | 45.7544% | 5,804 |
| Net loans and leases to core deposits | 47.2830% | 5,845 |
| Total domestic deposits to total assets | 85.6604% | 3,006 |
| Equity capital to assets | 13.7803% | 1,038 |
| Core capital (leverage) ratio | 13.3497% | 1,018 |
| Tier 1 risk-based capital ratio | 22.1950% | 1,196 |
| Total risk-based capital ratio | 23.2802% | 1,196 |
| Memoranda: | ||
| Average total assets | $106,900,200 | 4,438 |
| Average earning assets | $91,672,000 | 4,610 |
| Average equity | $14,549,400 | 3,926 |
| Average total loans | $45,616,800 | 4,972 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1668% | 3,101 |
| Cost of funding earning assets | 0.6700% | 1,317 |
| Net interest margin | 3.4968% | 3,847 |
| Noninterest income to average assets | 0.3521% | 4,621 |
| Noninterest expense to average assets | 2.7153% | 3,768 |
| Loan and lease loss provision to assets | 0.0589% | 3,191 |
| Net operating income to assets | 0.6253% | 4,328 |
| Return on assets (ROA) | 0.6253% | 4,427 |
| Pretax return on assets | 0.6253% | 4,947 |
| Return on Equity (ROE) | 4.6088% | 4,901 |
| Retained earnings to average equity (ytd only) | 0.1755% | 5,752 |
| Net charge-offs to loans | 0.2309% | 1,664 |
| Credit loss provision to net charge-offs | 58.7500% | 2,960 |
| Earnings coverage of net charge-offs (x) | 6.8252% | 3,020 |
| Efficiency ratio | 79.8747% | 1,937 |
| Assets per employee ($millions) | 3.7079% | 4,475 |
| Cash dividends to net income (ytd only)* | 96.1913% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 2,828 |
| Loan loss allowance to noncurrent loans | 78.3784% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 1.4174% | 2,181 |
| Noncurrent loans to loans | 1.8865% | 1,689 |
| Net loans and leases to total assets | 46.3237% | 5,346 |
| Net loans and leases to deposits | 54.8361% | 5,320 |
| Net loans and leases to core deposits | 56.8549% | 5,401 |
| Total domestic deposits to total assets | 84.4765% | 3,556 |
| Equity capital to assets | 14.6814% | 813 |
| Core capital (leverage) ratio | 13.3274% | 1,053 |
| Tier 1 risk-based capital ratio | 21.1155% | 1,430 |
| Total risk-based capital ratio | 22.2102% | 1,436 |
| Memoranda: | ||
| Average total assets | $106,407,000 | 4,493 |
| Average earning assets | $92,731,250 | 4,634 |
| Average equity | $14,436,000 | 3,971 |
| Average total loans | $46,186,000 | 4,993 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0585% | 3,514 |
| Cost of funding earning assets | 0.6796% | 1,312 |
| Net interest margin | 3.3790% | 4,266 |
| Noninterest income to average assets | 0.4534% | 3,848 |
| Noninterest expense to average assets | 2.7427% | 3,723 |
| Loan and lease loss provision to assets | 0.0866% | 2,581 |
| Net operating income to assets | 0.5843% | 4,435 |
| Return on assets (ROA) | 0.5843% | 4,529 |
| Pretax return on assets | 0.5843% | 5,004 |
| Return on Equity (ROE) | 4.4185% | 4,958 |
| Retained earnings to average equity (ytd only) | -0.5994% | 5,796 |
| Net charge-offs to loans | 0.2571% | 1,523 |
| Credit loss provision to net charge-offs | 79.6610% | 2,338 |
| Earnings coverage of net charge-offs (x) | 6.1695% | 2,813 |
| Efficiency ratio | 80.3456% | 1,973 |
| Assets per employee ($millions) | 3.7756% | 4,303 |
| Cash dividends to net income (ytd only)* | 113.5647% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4847% | 2,974 |
| Loan loss allowance to noncurrent loans | 79.4020% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 1.5048% | 2,167 |
| Noncurrent loans to loans | 1.8699% | 1,837 |
| Net loans and leases to total assets | 46.6687% | 5,298 |
| Net loans and leases to deposits | 54.9194% | 5,295 |
| Net loans and leases to core deposits | 57.0628% | 5,337 |
| Total domestic deposits to total assets | 84.9768% | 3,523 |
| Equity capital to assets | 14.2787% | 872 |
| Core capital (leverage) ratio | 12.8895% | 1,201 |
| Tier 1 risk-based capital ratio | 20.5785% | 1,549 |
| Total risk-based capital ratio | 21.6827% | 1,552 |
| Memoranda: | ||
| Average total assets | $108,505,000 | 4,481 |
| Average earning assets | $95,059,000 | 4,610 |
| Average equity | $14,348,670 | 3,972 |
| Average total loans | $45,890,670 | 5,035 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8079% | 4,458 |
| Cost of funding earning assets | 0.6898% | 1,304 |
| Net interest margin | 3.1181% | 5,182 |
| Noninterest income to average assets | 0.4079% | 4,115 |
| Noninterest expense to average assets | 2.4117% | 4,892 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7622% | 3,345 |
| Return on assets (ROA) | 0.7622% | 3,431 |
| Pretax return on assets | 0.7622% | 4,263 |
| Return on Equity (ROE) | 5.9810% | 4,034 |
| Retained earnings to average equity (ytd only) | 2.6114% | 4,508 |
| Net charge-offs to loans | 0.4565% | 794 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.1765% | 2,560 |
| Efficiency ratio | 75.9865% | 2,809 |
| Assets per employee ($millions) | 4.0358% | 3,862 |
| Cash dividends to net income (ytd only)* | 56.3380% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4710% | 3,283 |
| Loan loss allowance to noncurrent loans | 47.3795% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 1.9896% | 1,724 |
| Noncurrent loans to loans | 3.1047% | 1,010 |
| Net loans and leases to total assets | 41.6772% | 5,695 |
| Net loans and leases to deposits | 48.2189% | 5,717 |
| Net loans and leases to core deposits | 49.9395% | 5,767 |
| Total domestic deposits to total assets | 86.4334% | 3,143 |
| Equity capital to assets | 13.2509% | 1,190 |
| Core capital (leverage) ratio | 12.2981% | 1,478 |
| Tier 1 risk-based capital ratio | 20.8713% | 1,496 |
| Total risk-based capital ratio | 21.9195% | 1,514 |
| Memoranda: | ||
| Average total assets | $111,786,500 | 4,450 |
| Average earning assets | $99,162,500 | 4,531 |
| Average equity | $14,245,000 | 4,002 |
| Average total loans | $44,690,000 | 5,136 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1261% | 3,632 |
| Cost of funding earning assets | 0.8899% | 780 |
| Net interest margin | 3.2362% | 4,870 |
| Noninterest income to average assets | 0.3554% | 4,762 |
| Noninterest expense to average assets | 2.3331% | 5,278 |
| Loan and lease loss provision to assets | 0.0547% | 4,047 |
| Net operating income to assets | 0.7947% | 3,316 |
| Return on assets (ROA) | 0.7947% | 3,414 |
| Pretax return on assets | 0.7947% | 4,165 |
| Return on Equity (ROE) | 6.1054% | 4,030 |
| Retained earnings to average equity (ytd only) | 2.7796% | 4,264 |
| Net charge-offs to loans | 0.3751% | 1,797 |
| Credit loss provision to net charge-offs | 33.1492% | 4,181 |
| Earnings coverage of net charge-offs (x) | 5.1492% | 3,370 |
| Efficiency ratio | 73.3104% | 3,243 |
| Assets per employee ($millions) | 3.9520% | 3,963 |
| Cash dividends to net income (ytd only)* | 54.4725% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6841% | 2,447 |
| Loan loss allowance to noncurrent loans | 51.1938% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 1.9309% | 1,869 |
| Noncurrent loans to loans | 3.2896% | 997 |
| Net loans and leases to total assets | 37.1347% | 6,148 |
| Net loans and leases to deposits | 42.4406% | 6,204 |
| Net loans and leases to core deposits | 44.5509% | 6,204 |
| Total domestic deposits to total assets | 87.4981% | 2,473 |
| Equity capital to assets | 12.2602% | 1,645 |
| Core capital (leverage) ratio | 12.5557% | 1,330 |
| Tier 1 risk-based capital ratio | 21.0366% | 1,412 |
| Total risk-based capital ratio | 22.1806% | 1,414 |
| Memoranda: | ||
| Average total assets | $109,724,400 | 4,504 |
| Average earning assets | $95,854,000 | 4,622 |
| Average equity | $14,282,400 | 4,009 |
| Average total loans | $48,254,400 | 5,019 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2665% | 3,132 |
| Cost of funding earning assets | 0.9398% | 674 |
| Net interest margin | 3.3267% | 4,542 |
| Noninterest income to average assets | 0.4534% | 4,130 |
| Noninterest expense to average assets | 2.2917% | 5,369 |
| Loan and lease loss provision to assets | 0.0737% | 3,582 |
| Net operating income to assets | 0.9806% | 2,466 |
| Return on assets (ROA) | 0.9806% | 2,569 |
| Pretax return on assets | 0.9806% | 3,583 |
| Return on Equity (ROE) | 7.4195% | 3,423 |
| Retained earnings to average equity (ytd only) | 3.0032% | 4,527 |
| Net charge-offs to loans | 0.2667% | 2,219 |
| Credit loss provision to net charge-offs | 60.6061% | 3,285 |
| Earnings coverage of net charge-offs (x) | 8.6664% | 2,594 |
| Efficiency ratio | 68.4906% | 3,997 |
| Assets per employee ($millions) | 3.7287% | 4,394 |
| Cash dividends to net income (ytd only)* | 59.5242% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7570% | 2,431 |
| Loan loss allowance to noncurrent loans | 65.4810% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 1.8275% | 2,235 |
| Noncurrent loans to loans | 2.6832% | 1,580 |
| Net loans and leases to total assets | 43.3805% | 5,780 |
| Net loans and leases to deposits | 50.3776% | 5,809 |
| Net loans and leases to core deposits | 53.1797% | 5,817 |
| Total domestic deposits to total assets | 86.1107% | 3,188 |
| Equity capital to assets | 13.4660% | 1,131 |
| Core capital (leverage) ratio | 12.6418% | 1,352 |
| Tier 1 risk-based capital ratio | 20.8890% | 1,514 |
| Total risk-based capital ratio | 22.1394% | 1,486 |
| Memoranda: | ||
| Average total assets | $108,503,750 | 4,572 |
| Average earning assets | $94,345,250 | 4,723 |
| Average equity | $14,340,250 | 4,051 |
| Average total loans | $49,496,000 | 5,028 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1790% | 3,451 |
| Cost of funding earning assets | 0.9644% | 655 |
| Net interest margin | 3.2146% | 4,893 |
| Noninterest income to average assets | 0.3987% | 4,541 |
| Noninterest expense to average assets | 2.3519% | 5,201 |
| Loan and lease loss provision to assets | 0.1092% | 2,971 |
| Net operating income to assets | 0.7409% | 3,614 |
| Return on assets (ROA) | 0.7409% | 3,771 |
| Pretax return on assets | 0.7409% | 4,534 |
| Return on Equity (ROE) | 5.6395% | 4,383 |
| Retained earnings to average equity (ytd only) | 0.7898% | 5,587 |
| Net charge-offs to loans | 0.3832% | 1,687 |
| Credit loss provision to net charge-offs | 61.8557% | 2,983 |
| Earnings coverage of net charge-offs (x) | 4.8144% | 3,027 |
| Efficiency ratio | 73.4508% | 3,234 |
| Assets per employee ($millions) | 4.2812% | 3,207 |
| Cash dividends to net income (ytd only)* | 85.9951% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 3,229 |
| Loan loss allowance to noncurrent loans | 56.1852% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 1.9789% | 2,175 |
| Noncurrent loans to loans | 2.8105% | 1,611 |
| Net loans and leases to total assets | 47.3442% | 5,388 |
| Net loans and leases to deposits | 54.6204% | 5,467 |
| Net loans and leases to core deposits | 57.5509% | 5,459 |
| Total domestic deposits to total assets | 86.6786% | 3,013 |
| Equity capital to assets | 12.9860% | 1,348 |
| Core capital (leverage) ratio | 12.0291% | 1,600 |
| Tier 1 risk-based capital ratio | 19.2473% | 1,926 |
| Total risk-based capital ratio | 20.4449% | 1,909 |
| Memoranda: | ||
| Average total assets | $109,870,330 | 4,571 |
| Average earning assets | $95,813,000 | 4,702 |
| Average equity | $14,434,000 | 4,062 |
| Average total loans | $50,627,670 | 4,999 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1422% | 3,548 |
| Cost of funding earning assets | 0.9963% | 625 |
| Net interest margin | 3.1459% | 5,114 |
| Noninterest income to average assets | 0.5068% | 3,728 |
| Noninterest expense to average assets | 2.2284% | 5,616 |
| Loan and lease loss provision to assets | 0.1617% | 2,250 |
| Net operating income to assets | 0.8518% | 2,896 |
| Return on assets (ROA) | 0.8518% | 3,032 |
| Pretax return on assets | 0.8518% | 3,944 |
| Return on Equity (ROE) | 6.4483% | 3,792 |
| Retained earnings to average equity (ytd only) | 3.7275% | 3,995 |
| Net charge-offs to loans | 0.6056% | 1,006 |
| Credit loss provision to net charge-offs | 59.2105% | 2,468 |
| Earnings coverage of net charge-offs (x) | 3.7105% | 2,696 |
| Efficiency ratio | 68.7361% | 4,186 |
| Assets per employee ($millions) | 4.3777% | 3,190 |
| Cash dividends to net income (ytd only)* | 42.1941% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6187% | 3,322 |
| Loan loss allowance to noncurrent loans | 49.7870% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 2.1756% | 2,152 |
| Noncurrent loans to loans | 3.2513% | 1,501 |
| Net loans and leases to total assets | 45.4264% | 5,498 |
| Net loans and leases to deposits | 52.6586% | 5,559 |
| Net loans and leases to core deposits | 55.0845% | 5,594 |
| Total domestic deposits to total assets | 86.2659% | 3,378 |
| Equity capital to assets | 13.4664% | 1,221 |
| Core capital (leverage) ratio | 11.9765% | 1,578 |
| Tier 1 risk-based capital ratio | 19.4012% | 1,940 |
| Total risk-based capital ratio | 20.6083% | 1,919 |
| Memoranda: | ||
| Average total assets | $111,290,000 | 4,592 |
| Average earning assets | $96,760,500 | 4,718 |
| Average equity | $14,701,500 | 4,055 |
| Average total loans | $50,198,500 | 5,050 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4924% | 3,425 |
| Cost of funding earning assets | 1.1703% | 662 |
| Net interest margin | 3.3221% | 5,175 |
| Noninterest income to average assets | 0.5591% | 3,514 |
| Noninterest expense to average assets | 2.5645% | 4,884 |
| Loan and lease loss provision to assets | 0.1135% | 4,220 |
| Net operating income to assets | 0.7596% | 3,469 |
| Return on assets (ROA) | 0.8079% | 3,499 |
| Pretax return on assets | 0.8079% | 4,262 |
| Return on Equity (ROE) | 5.9290% | 4,209 |
| Retained earnings to average equity (ytd only) | 2.9992% | 4,119 |
| Net charge-offs to loans | 0.2948% | 3,173 |
| Credit loss provision to net charge-offs | 81.6327% | 3,777 |
| Earnings coverage of net charge-offs (x) | 6.2789% | 2,843 |
| Efficiency ratio | 74.6010% | 2,971 |
| Assets per employee ($millions) | 4.3514% | 3,252 |
| Cash dividends to net income (ytd only)* | 49.4145% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7047% | 2,917 |
| Loan loss allowance to noncurrent loans | 37.7946% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 2.6402% | 1,838 |
| Noncurrent loans to loans | 4.5104% | 944 |
| Net loans and leases to total assets | 43.3218% | 5,877 |
| Net loans and leases to deposits | 49.9134% | 5,963 |
| Net loans and leases to core deposits | 51.5698% | 6,046 |
| Total domestic deposits to total assets | 86.7939% | 2,939 |
| Equity capital to assets | 12.9622% | 1,468 |
| Core capital (leverage) ratio | 12.2298% | 1,439 |
| Tier 1 risk-based capital ratio | 19.1921% | 1,905 |
| Total risk-based capital ratio | 20.4417% | 1,879 |
| Memoranda: | ||
| Average total assets | $105,712,000 | 4,688 |
| Average earning assets | $91,598,600 | 4,820 |
| Average equity | $14,403,800 | 4,087 |
| Average total loans | $49,856,400 | 5,113 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5691% | 3,338 |
| Cost of funding earning assets | 1.1965% | 704 |
| Net interest margin | 3.3725% | 5,129 |
| Noninterest income to average assets | 0.6239% | 3,137 |
| Noninterest expense to average assets | 2.6164% | 4,688 |
| Loan and lease loss provision to assets | 0.1155% | 4,121 |
| Net operating income to assets | 0.8229% | 3,326 |
| Return on assets (ROA) | 0.8229% | 3,569 |
| Pretax return on assets | 0.8229% | 4,404 |
| Return on Equity (ROE) | 5.9605% | 4,347 |
| Retained earnings to average equity (ytd only) | 2.1666% | 5,245 |
| Net charge-offs to loans | 0.2541% | 3,197 |
| Credit loss provision to net charge-offs | 94.7368% | 3,154 |
| Earnings coverage of net charge-offs (x) | 7.6949% | 2,569 |
| Efficiency ratio | 73.6006% | 3,046 |
| Assets per employee ($millions) | 3.4393% | 5,119 |
| Cash dividends to net income (ytd only)* | 63.6506% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6570% | 3,305 |
| Loan loss allowance to noncurrent loans | 48.0971% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 2.4637% | 2,148 |
| Noncurrent loans to loans | 3.4451% | 1,581 |
| Net loans and leases to total assets | 50.1580% | 5,297 |
| Net loans and leases to deposits | 58.7335% | 5,351 |
| Net loans and leases to core deposits | 60.9282% | 5,459 |
| Total domestic deposits to total assets | 85.3993% | 3,567 |
| Equity capital to assets | 14.1878% | 1,082 |
| Core capital (leverage) ratio | 12.5414% | 1,389 |
| Tier 1 risk-based capital ratio | 18.9640% | 2,022 |
| Total risk-based capital ratio | 20.2150% | 1,991 |
| Memoranda: | ||
| Average total assets | $103,855,750 | 4,778 |
| Average earning assets | $90,257,250 | 4,902 |
| Average equity | $14,338,500 | 4,135 |
| Average total loans | $49,854,750 | 5,171 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5545% | 3,546 |
| Cost of funding earning assets | 1.2134% | 772 |
| Net interest margin | 3.3411% | 5,298 |
| Noninterest income to average assets | 0.6264% | 3,089 |
| Noninterest expense to average assets | 2.6268% | 4,690 |
| Loan and lease loss provision to assets | 0.1153% | 4,082 |
| Net operating income to assets | 0.7840% | 3,453 |
| Return on assets (ROA) | 0.7840% | 3,716 |
| Pretax return on assets | 0.7840% | 4,531 |
| Return on Equity (ROE) | 5.7310% | 4,460 |
| Retained earnings to average equity (ytd only) | 1.1237% | 5,623 |
| Net charge-offs to loans | 0.3311% | 2,703 |
| Credit loss provision to net charge-offs | 74.0741% | 3,473 |
| Earnings coverage of net charge-offs (x) | 5.7778% | 2,755 |
| Efficiency ratio | 74.4959% | 2,995 |
| Assets per employee ($millions) | 3.5759% | 4,802 |
| Cash dividends to net income (ytd only)* | 80.3922% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6809% | 3,310 |
| Loan loss allowance to noncurrent loans | 48.2817% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 2.6268% | 2,109 |
| Noncurrent loans to loans | 3.4813% | 1,649 |
| Net loans and leases to total assets | 48.3399% | 5,583 |
| Net loans and leases to deposits | 56.3634% | 5,609 |
| Net loans and leases to core deposits | 58.4411% | 5,740 |
| Total domestic deposits to total assets | 85.7648% | 3,478 |
| Equity capital to assets | 13.8919% | 1,145 |
| Core capital (leverage) ratio | 12.3108% | 1,442 |
| Tier 1 risk-based capital ratio | 19.1755% | 1,918 |
| Total risk-based capital ratio | 20.4254% | 1,896 |
| Memoranda: | ||
| Average total assets | $104,081,000 | 4,801 |
| Average earning assets | $90,328,330 | 4,920 |
| Average equity | $14,238,330 | 4,154 |
| Average total loans | $48,931,330 | 5,242 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6623% | 3,204 |
| Cost of funding earning assets | 1.2386% | 811 |
| Net interest margin | 3.4238% | 5,011 |
| Noninterest income to average assets | 0.6905% | 2,709 |
| Noninterest expense to average assets | 2.6393% | 4,665 |
| Loan and lease loss provision to assets | 0.1151% | 3,915 |
| Net operating income to assets | 0.9053% | 2,895 |
| Return on assets (ROA) | 0.8555% | 3,365 |
| Pretax return on assets | 0.8555% | 4,208 |
| Return on Equity (ROE) | 6.3019% | 4,137 |
| Retained earnings to average equity (ytd only) | 1.5543% | 5,461 |
| Net charge-offs to loans | 0.1253% | 3,356 |
| Credit loss provision to net charge-offs | 200.0000% | 1,332 |
| Earnings coverage of net charge-offs (x) | 17.7333% | 1,293 |
| Efficiency ratio | 72.1174% | 3,419 |
| Assets per employee ($millions) | 3.5955% | 4,893 |
| Cash dividends to net income (ytd only)* | 75.3363% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8156% | 2,937 |
| Loan loss allowance to noncurrent loans | 50.4244% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 2.6125% | 2,265 |
| Noncurrent loans to loans | 3.6005% | 1,728 |
| Net loans and leases to total assets | 46.2122% | 5,760 |
| Net loans and leases to deposits | 53.6886% | 5,841 |
| Net loans and leases to core deposits | 55.1644% | 5,973 |
| Total domestic deposits to total assets | 86.0745% | 3,488 |
| Equity capital to assets | 13.6436% | 1,179 |
| Core capital (leverage) ratio | 12.3051% | 1,432 |
| Tier 1 risk-based capital ratio | 19.6201% | 1,803 |
| Total risk-based capital ratio | 20.8720% | 1,776 |
| Memoranda: | ||
| Average total assets | $104,271,000 | 4,827 |
| Average earning assets | $90,427,000 | 4,949 |
| Average equity | $14,154,500 | 4,172 |
| Average total loans | $47,904,000 | 5,306 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0572% | 2,621 |
| Cost of funding earning assets | 1.3450% | 1,263 |
| Net interest margin | 3.7122% | 4,245 |
| Noninterest income to average assets | 0.6498% | 2,887 |
| Noninterest expense to average assets | 2.7924% | 4,380 |
| Loan and lease loss provision to assets | 0.4928% | 2,143 |
| Net operating income to assets | 0.5862% | 4,072 |
| Return on assets (ROA) | 0.6478% | 3,943 |
| Pretax return on assets | 0.6478% | 4,519 |
| Return on Equity (ROE) | 4.6083% | 4,569 |
| Retained earnings to average equity (ytd only) | 2.5123% | 4,441 |
| Net charge-offs to loans | 0.5052% | 2,972 |
| Credit loss provision to net charge-offs | 199.1701% | 1,263 |
| Earnings coverage of net charge-offs (x) | 4.3610% | 3,144 |
| Efficiency ratio | 72.1294% | 3,551 |
| Assets per employee ($millions) | 3.5956% | 4,777 |
| Cash dividends to net income (ytd only)* | 45.4834% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8767% | 2,644 |
| Loan loss allowance to noncurrent loans | 43.3729% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 2.9039% | 2,081 |
| Noncurrent loans to loans | 4.3268% | 1,402 |
| Net loans and leases to total assets | 43.9759% | 6,215 |
| Net loans and leases to deposits | 50.9721% | 6,294 |
| Net loans and leases to core deposits | 52.6688% | 6,392 |
| Total domestic deposits to total assets | 86.2745% | 3,152 |
| Equity capital to assets | 13.5059% | 1,261 |
| Core capital (leverage) ratio | 12.7935% | 1,225 |
| Tier 1 risk-based capital ratio | 20.1000% | 1,618 |
| Total risk-based capital ratio | 21.3514% | 1,586 |
| Memoranda: | ||
| Average total assets | $97,408,600 | 4,968 |
| Average earning assets | $84,532,400 | 5,105 |
| Average equity | $13,692,800 | 4,193 |
| Average total loans | $47,706,600 | 5,358 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2327% | 2,084 |
| Cost of funding earning assets | 1.3885% | 1,278 |
| Net interest margin | 3.8441% | 3,646 |
| Noninterest income to average assets | 0.6618% | 2,812 |
| Noninterest expense to average assets | 2.7295% | 4,616 |
| Loan and lease loss provision to assets | 0.6270% | 1,558 |
| Net operating income to assets | 0.6381% | 3,931 |
| Return on assets (ROA) | 0.7371% | 3,613 |
| Pretax return on assets | 0.7371% | 4,352 |
| Return on Equity (ROE) | 5.1880% | 4,458 |
| Retained earnings to average equity (ytd only) | 2.3733% | 4,932 |
| Net charge-offs to loans | 0.3865% | 3,186 |
| Credit loss provision to net charge-offs | 323.7410% | 864 |
| Earnings coverage of net charge-offs (x) | 6.5323% | 2,535 |
| Efficiency ratio | 68.3293% | 4,254 |
| Assets per employee ($millions) | 3.3905% | 5,268 |
| Cash dividends to net income (ytd only)* | 54.2534% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8733% | 2,707 |
| Loan loss allowance to noncurrent loans | 47.6884% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 3.1527% | 2,027 |
| Noncurrent loans to loans | 3.9281% | 1,686 |
| Net loans and leases to total assets | 52.3643% | 5,400 |
| Net loans and leases to deposits | 61.7597% | 5,435 |
| Net loans and leases to core deposits | 64.0556% | 5,605 |
| Total domestic deposits to total assets | 84.7872% | 3,876 |
| Equity capital to assets | 14.8104% | 905 |
| Core capital (leverage) ratio | 13.0569% | 1,209 |
| Tier 1 risk-based capital ratio | 19.5379% | 1,808 |
| Total risk-based capital ratio | 20.7910% | 1,776 |
| Memoranda: | ||
| Average total assets | $95,692,500 | 5,049 |
| Average earning assets | $82,964,000 | 5,189 |
| Average equity | $13,595,250 | 4,217 |
| Average total loans | $47,950,250 | 5,388 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0742% | 2,801 |
| Cost of funding earning assets | 1.3813% | 1,493 |
| Net interest margin | 3.6929% | 4,298 |
| Noninterest income to average assets | 0.6545% | 2,802 |
| Noninterest expense to average assets | 2.7661% | 4,562 |
| Loan and lease loss provision to assets | 0.6879% | 1,387 |
| Net operating income to assets | 0.4106% | 4,893 |
| Return on assets (ROA) | 0.5732% | 4,320 |
| Pretax return on assets | 0.5732% | 4,837 |
| Return on Equity (ROE) | 4.0922% | 4,889 |
| Retained earnings to average equity (ytd only) | 1.0863% | 5,429 |
| Net charge-offs to loans | 0.2083% | 3,899 |
| Credit loss provision to net charge-offs | 673.4694% | 467 |
| Earnings coverage of net charge-offs (x) | 10.7551% | 1,772 |
| Efficiency ratio | 71.5750% | 3,816 |
| Assets per employee ($millions) | 3.2247% | 5,588 |
| Cash dividends to net income (ytd only)* | 73.4545% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8659% | 2,778 |
| Loan loss allowance to noncurrent loans | 40.0436% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 3.3761% | 1,953 |
| Noncurrent loans to loans | 4.6597% | 1,414 |
| Net loans and leases to total assets | 49.9618% | 5,828 |
| Net loans and leases to deposits | 58.3951% | 5,891 |
| Net loans and leases to core deposits | 60.1164% | 6,078 |
| Total domestic deposits to total assets | 85.5582% | 3,590 |
| Equity capital to assets | 14.1245% | 1,056 |
| Core capital (leverage) ratio | 12.7916% | 1,252 |
| Tier 1 risk-based capital ratio | 19.4622% | 1,723 |
| Total risk-based capital ratio | 20.7149% | 1,694 |
| Memoranda: | ||
| Average total assets | $95,945,670 | 5,076 |
| Average earning assets | $83,402,330 | 5,216 |
| Average equity | $13,440,330 | 4,244 |
| Average total loans | $47,047,000 | 5,478 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0286% | 2,965 |
| Cost of funding earning assets | 1.3998% | 1,608 |
| Net interest margin | 3.6289% | 4,438 |
| Noninterest income to average assets | 0.6866% | 2,647 |
| Noninterest expense to average assets | 2.8258% | 4,350 |
| Loan and lease loss provision to assets | 0.6907% | 1,222 |
| Net operating income to assets | 0.3391% | 5,228 |
| Return on assets (ROA) | 0.6740% | 3,706 |
| Pretax return on assets | 0.6740% | 4,399 |
| Return on Equity (ROE) | 4.8318% | 4,488 |
| Retained earnings to average equity (ytd only) | 2.8210% | 4,477 |
| Net charge-offs to loans | -0.0696% | 6,989 |
| Credit loss provision to net charge-offs | -2,062.5000% | 6,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2899% | 3,636 |
| Assets per employee ($millions) | 3.2639% | 5,569 |
| Cash dividends to net income (ytd only)* | 41.6149% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7827% | 3,060 |
| Loan loss allowance to noncurrent loans | 36.9644% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 3.2139% | 2,139 |
| Noncurrent loans to loans | 4.8228% | 1,410 |
| Net loans and leases to total assets | 45.6310% | 6,320 |
| Net loans and leases to deposits | 52.9986% | 6,390 |
| Net loans and leases to core deposits | 54.5956% | 6,516 |
| Total domestic deposits to total assets | 86.0986% | 3,466 |
| Equity capital to assets | 13.6533% | 1,126 |
| Core capital (leverage) ratio | 12.7169% | 1,231 |
| Tier 1 risk-based capital ratio | 20.3833% | 1,505 |
| Total risk-based capital ratio | 21.6350% | 1,481 |
| Memoranda: | ||
| Average total assets | $95,548,500 | 5,115 |
| Average earning assets | $83,442,000 | 5,253 |
| Average equity | $13,328,500 | 4,257 |
| Average total loans | $45,944,500 | 5,562 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5794% | 1,979 |
| Cost of funding earning assets | 1.6229% | 1,938 |
| Net interest margin | 3.9565% | 3,236 |
| Noninterest income to average assets | 0.6137% | 3,387 |
| Noninterest expense to average assets | 2.8127% | 4,549 |
| Loan and lease loss provision to assets | 0.6311% | 2,607 |
| Net operating income to assets | 0.5865% | 3,730 |
| Return on assets (ROA) | 0.5865% | 3,893 |
| Pretax return on assets | 0.5865% | 4,368 |
| Return on Equity (ROE) | 3.9797% | 4,536 |
| Retained earnings to average equity (ytd only) | 0.1403% | 5,512 |
| Net charge-offs to loans | 1.2799% | 1,750 |
| Credit loss provision to net charge-offs | 92.2099% | 5,032 |
| Earnings coverage of net charge-offs (x) | 1.7790% | 4,381 |
| Efficiency ratio | 69.7894% | 4,221 |
| Assets per employee ($millions) | 3.0058% | 6,087 |
| Cash dividends to net income (ytd only)* | 96.4750% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 4,623 |
| Loan loss allowance to noncurrent loans | 29.9017% | 6,299 |
| Noncurrent assets plus other real estate owned to assets | 3.5330% | 1,958 |
| Noncurrent loans to loans | 4.6059% | 1,527 |
| Net loans and leases to total assets | 49.1076% | 6,262 |
| Net loans and leases to deposits | 57.4366% | 6,312 |
| Net loans and leases to core deposits | 58.8210% | 6,489 |
| Total domestic deposits to total assets | 85.4989% | 3,602 |
| Equity capital to assets | 14.2607% | 964 |
| Core capital (leverage) ratio | 13.3147% | 1,024 |
| Tier 1 risk-based capital ratio | 20.1516% | 1,455 |
| Total risk-based capital ratio | 21.2042% | 1,466 |
| Memoranda: | ||
| Average total assets | $91,904,200 | 5,224 |
| Average earning assets | $79,364,000 | 5,369 |
| Average equity | $13,543,600 | 4,249 |
| Average total loans | $49,143,200 | 5,522 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6836% | 1,765 |
| Cost of funding earning assets | 1.6601% | 2,045 |
| Net interest margin | 4.0235% | 2,994 |
| Noninterest income to average assets | 0.5881% | 3,518 |
| Noninterest expense to average assets | 2.8286% | 4,356 |
| Loan and lease loss provision to assets | 0.6042% | 2,524 |
| Net operating income to assets | 0.6202% | 3,793 |
| Return on assets (ROA) | 0.6202% | 3,959 |
| Pretax return on assets | 0.6202% | 4,530 |
| Return on Equity (ROE) | 4.1741% | 4,687 |
| Retained earnings to average equity (ytd only) | -0.9210% | 6,001 |
| Net charge-offs to loans | 1.6081% | 1,225 |
| Credit loss provision to net charge-offs | 69.0516% | 5,445 |
| Earnings coverage of net charge-offs (x) | 1.3993% | 4,685 |
| Efficiency ratio | 69.7917% | 4,115 |
| Assets per employee ($millions) | 2.9012% | 6,371 |
| Cash dividends to net income (ytd only)* | 122.0655% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0155% | 6,323 |
| Loan loss allowance to noncurrent loans | 24.0518% | 6,706 |
| Noncurrent assets plus other real estate owned to assets | 3.3757% | 2,111 |
| Noncurrent loans to loans | 4.2221% | 1,728 |
| Net loans and leases to total assets | 54.2997% | 5,802 |
| Net loans and leases to deposits | 64.3692% | 5,870 |
| Net loans and leases to core deposits | 65.9950% | 6,124 |
| Total domestic deposits to total assets | 84.3567% | 3,936 |
| Equity capital to assets | 15.2286% | 837 |
| Core capital (leverage) ratio | 13.4384% | 1,080 |
| Tier 1 risk-based capital ratio | 19.7375% | 1,596 |
| Total risk-based capital ratio | 20.5534% | 1,653 |
| Memoranda: | ||
| Average total assets | $91,585,500 | 5,306 |
| Average earning assets | $78,868,250 | 5,445 |
| Average equity | $13,607,500 | 4,303 |
| Average total loans | $49,829,750 | 5,576 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6509% | 1,937 |
| Cost of funding earning assets | 1.6751% | 2,261 |
| Net interest margin | 3.9758% | 3,135 |
| Noninterest income to average assets | 0.5058% | 4,068 |
| Noninterest expense to average assets | 2.8133% | 4,430 |
| Loan and lease loss provision to assets | 0.3256% | 3,794 |
| Net operating income to assets | 0.7880% | 3,025 |
| Return on assets (ROA) | 0.7880% | 3,172 |
| Pretax return on assets | 0.7880% | 3,924 |
| Return on Equity (ROE) | 5.3469% | 4,111 |
| Retained earnings to average equity (ytd only) | -1.2815% | 6,024 |
| Net charge-offs to loans | 0.5881% | 2,766 |
| Credit loss provision to net charge-offs | 102.0408% | 3,997 |
| Earnings coverage of net charge-offs (x) | 3.4898% | 3,301 |
| Efficiency ratio | 71.6418% | 3,868 |
| Assets per employee ($millions) | 2.8627% | 6,429 |
| Cash dividends to net income (ytd only)* | 123.9669% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 4,663 |
| Loan loss allowance to noncurrent loans | 30.9140% | 6,301 |
| Noncurrent assets plus other real estate owned to assets | 3.4768% | 2,019 |
| Noncurrent loans to loans | 4.3785% | 1,681 |
| Net loans and leases to total assets | 54.8932% | 5,860 |
| Net loans and leases to deposits | 64.6449% | 5,963 |
| Net loans and leases to core deposits | 66.8955% | 6,164 |
| Total domestic deposits to total assets | 84.9149% | 3,677 |
| Equity capital to assets | 14.7565% | 933 |
| Core capital (leverage) ratio | 13.1816% | 1,146 |
| Tier 1 risk-based capital ratio | 19.2979% | 1,653 |
| Total risk-based capital ratio | 20.3960% | 1,651 |
| Memoranda: | ||
| Average total assets | $92,135,330 | 5,309 |
| Average earning assets | $79,279,000 | 5,465 |
| Average equity | $13,578,000 | 4,296 |
| Average total loans | $49,994,330 | 5,605 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5387% | 2,418 |
| Cost of funding earning assets | 1.7081% | 2,350 |
| Net interest margin | 3.8306% | 3,667 |
| Noninterest income to average assets | 0.6883% | 2,673 |
| Noninterest expense to average assets | 2.7922% | 4,508 |
| Loan and lease loss provision to assets | 0.3247% | 3,464 |
| Net operating income to assets | 0.8528% | 2,743 |
| Return on assets (ROA) | 0.8528% | 2,833 |
| Pretax return on assets | 0.8528% | 3,651 |
| Return on Equity (ROE) | 5.7907% | 3,971 |
| Retained earnings to average equity (ytd only) | 1.3815% | 5,251 |
| Net charge-offs to loans | 0.7999% | 1,932 |
| Credit loss provision to net charge-offs | 75.7576% | 3,981 |
| Earnings coverage of net charge-offs (x) | 2.7475% | 3,172 |
| Efficiency ratio | 70.3381% | 4,238 |
| Assets per employee ($millions) | 2.9914% | 6,232 |
| Cash dividends to net income (ytd only)* | 76.1421% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 4,824 |
| Loan loss allowance to noncurrent loans | 29.5982% | 6,423 |
| Noncurrent assets plus other real estate owned to assets | 3.5274% | 1,994 |
| Noncurrent loans to loans | 4.4600% | 1,680 |
| Net loans and leases to total assets | 53.4454% | 6,097 |
| Net loans and leases to deposits | 62.8588% | 6,187 |
| Net loans and leases to core deposits | 64.7983% | 6,394 |
| Total domestic deposits to total assets | 85.0246% | 3,665 |
| Equity capital to assets | 14.7123% | 956 |
| Core capital (leverage) ratio | 13.4957% | 1,084 |
| Tier 1 risk-based capital ratio | 19.7471% | 1,570 |
| Total risk-based capital ratio | 20.8150% | 1,574 |
| Memoranda: | ||
| Average total assets | $92,399,500 | 5,373 |
| Average earning assets | $79,152,500 | 5,537 |
| Average equity | $13,608,000 | 4,329 |
| Average total loans | $49,503,500 | 5,694 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9684% | 1,996 |
| Cost of funding earning assets | 1.8348% | 3,812 |
| Net interest margin | 4.1337% | 2,304 |
| Noninterest income to average assets | 0.8040% | 2,390 |
| Noninterest expense to average assets | 2.9818% | 4,227 |
| Loan and lease loss provision to assets | 0.3412% | 4,755 |
| Net operating income to assets | 1.1475% | 1,394 |
| Return on assets (ROA) | 1.1475% | 1,419 |
| Pretax return on assets | 1.1475% | 2,104 |
| Return on Equity (ROE) | 7.6409% | 2,521 |
| Retained earnings to average equity (ytd only) | 2.7186% | 3,254 |
| Net charge-offs to loans | 0.2931% | 4,801 |
| Credit loss provision to net charge-offs | 205.4795% | 1,876 |
| Earnings coverage of net charge-offs (x) | 8.9658% | 1,861 |
| Efficiency ratio | 66.7006% | 5,246 |
| Assets per employee ($millions) | 3.0689% | 6,053 |
| Cash dividends to net income (ytd only)* | 64.4202% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4083% | 4,191 |
| Loan loss allowance to noncurrent loans | 26.7628% | 6,696 |
| Noncurrent assets plus other real estate owned to assets | 3.8038% | 1,747 |
| Noncurrent loans to loans | 5.2621% | 1,249 |
| Net loans and leases to total assets | 52.2402% | 6,396 |
| Net loans and leases to deposits | 61.4253% | 6,520 |
| Net loans and leases to core deposits | 75.4731% | 6,439 |
| Total domestic deposits to total assets | 85.0468% | 3,528 |
| Equity capital to assets | 14.7425% | 964 |
| Core capital (leverage) ratio | 14.2800% | 934 |
| Tier 1 risk-based capital ratio | 20.2423% | 1,415 |
| Total risk-based capital ratio | 21.3809% | 1,403 |
| Memoranda: | ||
| Average total assets | $87,933,000 | 5,452 |
| Average earning assets | $77,993,800 | 5,526 |
| Average equity | $13,205,200 | 4,456 |
| Average total loans | $49,807,800 | 5,679 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0051% | 2,015 |
| Cost of funding earning assets | 1.8832% | 3,967 |
| Net interest margin | 4.1219% | 2,312 |
| Noninterest income to average assets | 0.8316% | 2,282 |
| Noninterest expense to average assets | 2.9167% | 4,378 |
| Loan and lease loss provision to assets | 0.3452% | 4,253 |
| Net operating income to assets | 1.2704% | 1,288 |
| Return on assets (ROA) | 1.2704% | 1,362 |
| Pretax return on assets | 1.2704% | 2,041 |
| Return on Equity (ROE) | 8.4187% | 2,476 |
| Retained earnings to average equity (ytd only) | 1.8098% | 4,303 |
| Net charge-offs to loans | 0.2503% | 4,485 |
| Credit loss provision to net charge-offs | 239.3617% | 1,829 |
| Earnings coverage of net charge-offs (x) | 11.2021% | 1,876 |
| Efficiency ratio | 64.3534% | 5,681 |
| Assets per employee ($millions) | 2.5520% | 7,140 |
| Cash dividends to net income (ytd only)* | 78.5030% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 4,642 |
| Loan loss allowance to noncurrent loans | 27.4907% | 6,625 |
| Noncurrent assets plus other real estate owned to assets | 3.8817% | 1,654 |
| Noncurrent loans to loans | 4.6424% | 1,484 |
| Net loans and leases to total assets | 61.0834% | 5,409 |
| Net loans and leases to deposits | 73.0586% | 5,500 |
| Net loans and leases to core deposits | 90.8179% | 5,361 |
| Total domestic deposits to total assets | 83.6088% | 3,900 |
| Equity capital to assets | 15.9649% | 796 |
| Core capital (leverage) ratio | 14.3527% | 996 |
| Tier 1 risk-based capital ratio | 19.6380% | 1,629 |
| Total risk-based capital ratio | 20.7233% | 1,613 |
| Memoranda: | ||
| Average total assets | $86,899,500 | 5,520 |
| Average earning assets | $78,021,250 | 5,557 |
| Average equity | $13,113,250 | 4,507 |
| Average total loans | $50,064,000 | 5,716 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8903% | 2,628 |
| Cost of funding earning assets | 1.9147% | 4,187 |
| Net interest margin | 3.9756% | 2,809 |
| Noninterest income to average assets | 0.8315% | 2,260 |
| Noninterest expense to average assets | 2.8453% | 4,760 |
| Loan and lease loss provision to assets | 0.3417% | 3,884 |
| Net operating income to assets | 1.2393% | 1,384 |
| Return on assets (ROA) | 1.2393% | 1,461 |
| Pretax return on assets | 1.2393% | 2,197 |
| Return on Equity (ROE) | 8.3675% | 2,621 |
| Retained earnings to average equity (ytd only) | -0.5537% | 5,365 |
| Net charge-offs to loans | 0.0810% | 5,396 |
| Credit loss provision to net charge-offs | 750.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 34.7000% | 900 |
| Efficiency ratio | 64.2820% | 5,854 |
| Assets per employee ($millions) | 2.7341% | 6,769 |
| Cash dividends to net income (ytd only)* | 106.6176% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 4,186 |
| Loan loss allowance to noncurrent loans | 27.9983% | 6,631 |
| Noncurrent assets plus other real estate owned to assets | 3.3578% | 1,858 |
| Noncurrent loans to loans | 4.6966% | 1,346 |
| Net loans and leases to total assets | 58.7036% | 5,874 |
| Net loans and leases to deposits | 69.5791% | 6,034 |
| Net loans and leases to core deposits | 86.4315% | 5,858 |
| Total domestic deposits to total assets | 84.3696% | 3,565 |
| Equity capital to assets | 15.2930% | 969 |
| Core capital (leverage) ratio | 13.6680% | 1,221 |
| Tier 1 risk-based capital ratio | 19.6868% | 1,636 |
| Total risk-based capital ratio | 20.7912% | 1,626 |
| Memoranda: | ||
| Average total assets | $87,794,000 | 5,531 |
| Average earning assets | $79,384,670 | 5,550 |
| Average equity | $13,002,670 | 4,540 |
| Average total loans | $49,383,000 | 5,795 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8646% | 2,968 |
| Cost of funding earning assets | 1.9782% | 4,249 |
| Net interest margin | 3.8864% | 3,096 |
| Noninterest income to average assets | 0.6360% | 3,299 |
| Noninterest expense to average assets | 2.7275% | 4,888 |
| Loan and lease loss provision to assets | 0.3359% | 3,306 |
| Net operating income to assets | 1.0570% | 2,113 |
| Return on assets (ROA) | 1.0570% | 2,248 |
| Pretax return on assets | 1.0570% | 3,156 |
| Return on Equity (ROE) | 7.2487% | 3,483 |
| Retained earnings to average equity (ytd only) | 1.1057% | 5,197 |
| Net charge-offs to loans | -0.0655% | 7,780 |
| Credit loss provision to net charge-offs | -937.5000% | 6,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1957% | 5,292 |
| Assets per employee ($millions) | 3.1559% | 5,723 |
| Cash dividends to net income (ytd only)* | 84.7458% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2609% | 4,334 |
| Loan loss allowance to noncurrent loans | 23.8575% | 6,970 |
| Noncurrent assets plus other real estate owned to assets | 3.1619% | 1,767 |
| Noncurrent loans to loans | 5.2852% | 1,003 |
| Net loans and leases to total assets | 54.5884% | 6,400 |
| Net loans and leases to deposits | 64.3023% | 6,532 |
| Net loans and leases to core deposits | 80.3722% | 6,355 |
| Total domestic deposits to total assets | 84.8933% | 3,258 |
| Equity capital to assets | 14.8192% | 1,157 |
| Core capital (leverage) ratio | 13.3506% | 1,373 |
| Tier 1 risk-based capital ratio | 20.0313% | 1,616 |
| Total risk-based capital ratio | 21.0692% | 1,608 |
| Memoranda: | ||
| Average total assets | $89,312,000 | 5,512 |
| Average earning assets | $80,073,500 | 5,546 |
| Average equity | $13,023,000 | 4,572 |
| Average total loans | $48,865,000 | 5,846 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7897% | 1,710 |
| Cost of funding earning assets | 2.5339% | 4,030 |
| Net interest margin | 4.2559% | 2,100 |
| Noninterest income to average assets | 0.7001% | 3,119 |
| Noninterest expense to average assets | 2.8235% | 4,721 |
| Loan and lease loss provision to assets | 0.3610% | 3,524 |
| Net operating income to assets | 1.4381% | 1,151 |
| Return on assets (ROA) | 1.4381% | 1,106 |
| Pretax return on assets | 1.4381% | 1,855 |
| Return on Equity (ROE) | 9.8253% | 2,322 |
| Retained earnings to average equity (ytd only) | 1.9964% | 3,990 |
| Net charge-offs to loans | 0.3649% | 3,011 |
| Credit loss provision to net charge-offs | 173.0769% | 2,944 |
| Earnings coverage of net charge-offs (x) | 8.6264% | 2,849 |
| Efficiency ratio | 61.0808% | 6,145 |
| Assets per employee ($millions) | 3.0086% | 6,042 |
| Cash dividends to net income (ytd only)* | 79.6813% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 5,348 |
| Loan loss allowance to noncurrent loans | 37.6678% | 6,207 |
| Noncurrent assets plus other real estate owned to assets | 1.8026% | 2,726 |
| Noncurrent loans to loans | 2.8950% | 1,859 |
| Net loans and leases to total assets | 53.5614% | 6,697 |
| Net loans and leases to deposits | 62.7282% | 6,895 |
| Net loans and leases to core deposits | 79.4674% | 6,653 |
| Total domestic deposits to total assets | 85.3865% | 2,673 |
| Equity capital to assets | 14.3487% | 1,338 |
| Core capital (leverage) ratio | 13.6505% | 1,345 |
| Tier 1 risk-based capital ratio | 19.7883% | 1,653 |
| Total risk-based capital ratio | 20.6781% | 1,680 |
| Memoranda: | ||
| Average total assets | $87,267,200 | 5,443 |
| Average earning assets | $80,430,400 | 5,419 |
| Average equity | $12,773,200 | 4,630 |
| Average total loans | $49,870,800 | 5,711 |