Home > Community Bank of the Midwest > Performance and Condition Ratios
Community Bank of the Midwest, 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 | 2.2407% | 4,889 |
| Cost of funding earning assets | 0.0796% | 4,913 |
| Net interest margin | 2.1611% | 4,781 |
| Noninterest income to average assets | 0.2482% | 4,003 |
| Noninterest expense to average assets | 1.7118% | 4,606 |
| Loan and lease loss provision to assets | 0.1213% | 2,851 |
| Net operating income to assets | 0.3483% | 4,350 |
| Return on assets (ROA) | 0.3689% | 4,385 |
| Pretax return on assets | 0.3983% | 4,422 |
| Return on Equity (ROE) | 2.6347% | 4,456 |
| Retained earnings to average equity (ytd only) | 2.6347% | 3,537 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4880% | 1,083 |
| Assets per employee ($millions) | 6.6967% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2213% | 4,923 |
| Loan loss allowance to noncurrent loans | 51.2821% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 0.6744% | 1,546 |
| Noncurrent loans to loans | 0.4315% | 2,682 |
| Net loans and leases to total assets | 52.1250% | 3,650 |
| Net loans and leases to deposits | 62.5493% | 3,568 |
| Net loans and leases to core deposits | 64.4908% | 3,660 |
| Total domestic deposits to total assets | 83.3342% | 3,320 |
| Equity capital to assets | 16.0940% | 418 |
| Core capital (leverage) ratio | 11.6019% | 1,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3432% | 855 |
| Memoranda: | ||
| Average total assets | $197,860,800 | 2,959 |
| Average earning assets | $179,539,000 | 3,004 |
| Average equity | $27,707,400 | 2,621 |
| Average total loans | $107,566,000 | 3,126 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5143% | 4,185 |
| Cost of funding earning assets | 0.2521% | 4,502 |
| Net interest margin | 3.2622% | 3,305 |
| Noninterest income to average assets | 0.3957% | 3,105 |
| Noninterest expense to average assets | 1.8407% | 4,424 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3332% | 1,278 |
| Return on assets (ROA) | 1.3590% | 1,306 |
| Pretax return on assets | 1.5774% | 1,251 |
| Return on Equity (ROE) | 10.1057% | 1,978 |
| Retained earnings to average equity (ytd only) | 10.1057% | 739 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3294% | 4,114 |
| Assets per employee ($millions) | 6.1546% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,986 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 0.7398% | 1,576 |
| Noncurrent loans to loans | 0.5316% | 2,471 |
| Net loans and leases to total assets | 55.3802% | 3,675 |
| Net loans and leases to deposits | 66.1807% | 3,601 |
| Net loans and leases to core deposits | 68.0947% | 3,752 |
| Total domestic deposits to total assets | 83.6804% | 2,935 |
| Equity capital to assets | 15.9197% | 476 |
| Core capital (leverage) ratio | 11.6488% | 1,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8476% | 934 |
| Memoranda: | ||
| Average total assets | $195,426,250 | 2,962 |
| Average earning assets | $179,261,250 | 2,987 |
| Average equity | $26,281,500 | 2,711 |
| Average total loans | $107,344,750 | 3,134 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4996% | 4,409 |
| Cost of funding earning assets | 0.2851% | 4,523 |
| Net interest margin | 3.2144% | 3,627 |
| Noninterest income to average assets | 0.4392% | 2,864 |
| Noninterest expense to average assets | 1.9170% | 4,383 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.4034% | 1,105 |
| Return on assets (ROA) | 1.4034% | 1,198 |
| Pretax return on assets | 1.4999% | 1,455 |
| Return on Equity (ROE) | 11.1874% | 1,575 |
| Retained earnings to average equity (ytd only) | 11.1874% | 579 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1043% | 3,930 |
| Assets per employee ($millions) | 6.5009% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,020 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 0.7560% | 1,637 |
| Noncurrent loans to loans | 0.6421% | 2,260 |
| Net loans and leases to total assets | 52.0737% | 4,027 |
| Net loans and leases to deposits | 61.3924% | 4,047 |
| Net loans and leases to core deposits | 63.0379% | 4,123 |
| Total domestic deposits to total assets | 84.8211% | 2,464 |
| Equity capital to assets | 14.8015% | 668 |
| Core capital (leverage) ratio | 11.7862% | 1,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3928% | 2,446 |
| Memoranda: | ||
| Average total assets | $190,816,000 | 2,980 |
| Average earning assets | $176,765,000 | 2,993 |
| Average equity | $23,937,667 | 2,859 |
| Average total loans | $104,497,333 | 3,171 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9903% | 3,813 |
| Cost of funding earning assets | 0.3610% | 4,481 |
| Net interest margin | 3.6293% | 2,572 |
| Noninterest income to average assets | 0.5668% | 2,196 |
| Noninterest expense to average assets | 2.0830% | 4,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8098% | 407 |
| Return on assets (ROA) | 1.8098% | 448 |
| Pretax return on assets | 1.8940% | 576 |
| Return on Equity (ROE) | 16.2672% | 394 |
| Retained earnings to average equity (ytd only) | 16.2672% | 135 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3755% | 4,528 |
| Assets per employee ($millions) | 5.1746% | 2,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4267% | 1,603 |
| Loan loss allowance to noncurrent loans | 502.1505% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.6883% | 1,938 |
| Noncurrent loans to loans | 0.2841% | 3,475 |
| Net loans and leases to total assets | 55.0186% | 3,906 |
| Net loans and leases to deposits | 62.2948% | 4,084 |
| Net loans and leases to core deposits | 65.2453% | 4,115 |
| Total domestic deposits to total assets | 88.3197% | 969 |
| Equity capital to assets | 11.3643% | 2,543 |
| Core capital (leverage) ratio | 11.0798% | 2,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9425% | 2,732 |
| Memoranda: | ||
| Average total assets | $175,708,500 | 3,076 |
| Average earning assets | $165,101,500 | 3,061 |
| Average equity | $19,548,500 | 3,210 |
| Average total loans | $99,196,500 | 3,236 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4834% | 3,000 |
| Cost of funding earning assets | 0.4369% | 4,316 |
| Net interest margin | 4.0465% | 1,692 |
| Noninterest income to average assets | 0.6379% | 2,052 |
| Noninterest expense to average assets | 2.3937% | 3,700 |
| Loan and lease loss provision to assets | 0.5191% | 245 |
| Net operating income to assets | 1.4547% | 1,173 |
| Return on assets (ROA) | 1.4547% | 1,232 |
| Pretax return on assets | 1.5181% | 1,748 |
| Return on Equity (ROE) | 13.8395% | 931 |
| Retained earnings to average equity (ytd only) | 9.1861% | 665 |
| Net charge-offs to loans | 0.8184% | 204 |
| Credit loss provision to net charge-offs | 105.7579% | 2,347 |
| Earnings coverage of net charge-offs (x) | 4.1504% | 3,253 |
| Efficiency ratio | 54.0224% | 4,421 |
| Assets per employee ($millions) | 5.1612% | 2,381 |
| Cash dividends to net income (ytd only)* | 33.6241% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3973% | 1,529 |
| Loan loss allowance to noncurrent loans | 1,917.8082% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.7824% | 1,654 |
| Noncurrent loans to loans | 0.0729% | 4,238 |
| Net loans and leases to total assets | 56.2993% | 3,904 |
| Net loans and leases to deposits | 63.3795% | 4,113 |
| Net loans and leases to core deposits | 66.4152% | 4,170 |
| Total domestic deposits to total assets | 88.8289% | 736 |
| Equity capital to assets | 10.8861% | 3,102 |
| Core capital (leverage) ratio | 10.6737% | 2,788 |
| Tier 1 risk-based capital ratio | 11.5892% | 4,581 |
| Total risk-based capital ratio | 12.4483% | 4,670 |
| Memoranda: | ||
| Average total assets | $173,372,000 | 3,080 |
| Average earning assets | $162,509,000 | 3,062 |
| Average equity | $18,223,200 | 3,317 |
| Average total loans | $103,987,200 | 3,171 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5244% | 2,981 |
| Cost of funding earning assets | 0.4514% | 4,321 |
| Net interest margin | 4.0730% | 1,692 |
| Noninterest income to average assets | 0.6472% | 1,999 |
| Noninterest expense to average assets | 2.2941% | 3,973 |
| Loan and lease loss provision to assets | 0.5863% | 196 |
| Net operating income to assets | 1.4872% | 1,225 |
| Return on assets (ROA) | 1.4872% | 1,280 |
| Pretax return on assets | 1.5883% | 1,678 |
| Return on Equity (ROE) | 14.2785% | 930 |
| Retained earnings to average equity (ytd only) | 7.9983% | 1,392 |
| Net charge-offs to loans | 0.8983% | 165 |
| Credit loss provision to net charge-offs | 107.4965% | 2,125 |
| Earnings coverage of net charge-offs (x) | 3.9873% | 3,056 |
| Efficiency ratio | 51.3378% | 4,650 |
| Assets per employee ($millions) | 5.2120% | 2,327 |
| Cash dividends to net income (ytd only)* | 43.9835% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 1,688 |
| Loan loss allowance to noncurrent loans | 402.2923% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.9559% | 1,412 |
| Noncurrent loans to loans | 0.3405% | 3,318 |
| Net loans and leases to total assets | 57.0518% | 3,963 |
| Net loans and leases to deposits | 64.0784% | 4,165 |
| Net loans and leases to core deposits | 67.0658% | 4,214 |
| Total domestic deposits to total assets | 89.0344% | 598 |
| Equity capital to assets | 10.4402% | 3,600 |
| Core capital (leverage) ratio | 10.5679% | 3,040 |
| Tier 1 risk-based capital ratio | 11.2524% | 4,794 |
| Total risk-based capital ratio | 12.1160% | 4,863 |
| Memoranda: | ||
| Average total assets | $172,845,000 | 3,113 |
| Average earning assets | $162,167,750 | 3,096 |
| Average equity | $18,003,250 | 3,360 |
| Average total loans | $104,935,500 | 3,194 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5228% | 2,941 |
| Cost of funding earning assets | 0.4465% | 4,336 |
| Net interest margin | 4.0764% | 1,684 |
| Noninterest income to average assets | 0.6757% | 1,807 |
| Noninterest expense to average assets | 2.3432% | 3,882 |
| Loan and lease loss provision to assets | 0.3092% | 440 |
| Net operating income to assets | 1.7574% | 652 |
| Return on assets (ROA) | 1.7574% | 682 |
| Pretax return on assets | 1.8589% | 917 |
| Return on Equity (ROE) | 16.8859% | 482 |
| Retained earnings to average equity (ytd only) | 9.5418% | 896 |
| Net charge-offs to loans | 0.4615% | 349 |
| Credit loss provision to net charge-offs | 108.6066% | 1,858 |
| Earnings coverage of net charge-offs (x) | 7.6148% | 2,474 |
| Efficiency ratio | 51.9400% | 4,659 |
| Assets per employee ($millions) | 4.9442% | 2,544 |
| Cash dividends to net income (ytd only)* | 43.4927% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 2,160 |
| Loan loss allowance to noncurrent loans | 67.1890% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.2415% | 1,053 |
| Noncurrent loans to loans | 1.8840% | 790 |
| Net loans and leases to total assets | 63.6616% | 3,375 |
| Net loans and leases to deposits | 71.8114% | 3,704 |
| Net loans and leases to core deposits | 75.6566% | 3,760 |
| Total domestic deposits to total assets | 88.6510% | 803 |
| Equity capital to assets | 10.8517% | 3,226 |
| Core capital (leverage) ratio | 10.7896% | 2,797 |
| Tier 1 risk-based capital ratio | 14.5577% | 3,039 |
| Total risk-based capital ratio | 15.6634% | 3,027 |
| Memoranda: | ||
| Average total assets | $171,390,330 | 3,144 |
| Average earning assets | $161,271,670 | 3,119 |
| Average equity | $17,837,330 | 3,376 |
| Average total loans | $105,745,670 | 3,200 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4959% | 2,883 |
| Cost of funding earning assets | 0.4333% | 4,354 |
| Net interest margin | 4.0625% | 1,660 |
| Noninterest income to average assets | 0.6750% | 1,701 |
| Noninterest expense to average assets | 2.3487% | 3,900 |
| Loan and lease loss provision to assets | 0.1387% | 1,246 |
| Net operating income to assets | 1.9002% | 462 |
| Return on assets (ROA) | 1.9002% | 478 |
| Pretax return on assets | 2.0019% | 640 |
| Return on Equity (ROE) | 18.6447% | 347 |
| Retained earnings to average equity (ytd only) | 15.5373% | 242 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3172% | 4,676 |
| Assets per employee ($millions) | 5.3251% | 2,146 |
| Cash dividends to net income (ytd only)* | 16.6667% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 1,809 |
| Loan loss allowance to noncurrent loans | 62.6833% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 1.3210% | 981 |
| Noncurrent loans to loans | 2.1770% | 654 |
| Net loans and leases to total assets | 59.8501% | 3,724 |
| Net loans and leases to deposits | 67.3173% | 3,962 |
| Net loans and leases to core deposits | 70.7992% | 4,021 |
| Total domestic deposits to total assets | 88.9075% | 901 |
| Equity capital to assets | 10.5766% | 3,278 |
| Core capital (leverage) ratio | 10.4377% | 3,123 |
| Tier 1 risk-based capital ratio | 15.0888% | 2,848 |
| Total risk-based capital ratio | 16.2783% | 2,795 |
| Memoranda: | ||
| Average total assets | $173,034,000 | 3,160 |
| Average earning assets | $162,460,500 | 3,141 |
| Average equity | $17,635,000 | 3,393 |
| Average total loans | $104,424,000 | 3,247 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2657% | 3,226 |
| Cost of funding earning assets | 0.3186% | 4,476 |
| Net interest margin | 3.9471% | 2,170 |
| Noninterest income to average assets | 0.5372% | 2,626 |
| Noninterest expense to average assets | 2.4966% | 3,626 |
| Loan and lease loss provision to assets | 0.2442% | 709 |
| Net operating income to assets | 1.4578% | 1,248 |
| Return on assets (ROA) | 1.4578% | 1,239 |
| Pretax return on assets | 1.5254% | 1,695 |
| Return on Equity (ROE) | 15.6442% | 697 |
| Retained earnings to average equity (ytd only) | 10.6773% | 491 |
| Net charge-offs to loans | 0.3223% | 605 |
| Credit loss provision to net charge-offs | 123.2092% | 2,122 |
| Earnings coverage of net charge-offs (x) | 8.9284% | 2,850 |
| Efficiency ratio | 58.5197% | 4,078 |
| Assets per employee ($millions) | 5.0190% | 2,477 |
| Cash dividends to net income (ytd only)* | 31.7491% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 2,137 |
| Loan loss allowance to noncurrent loans | 1,047.2868% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 4,454 |
| Noncurrent loans to loans | 0.1223% | 4,180 |
| Net loans and leases to total assets | 59.2603% | 3,842 |
| Net loans and leases to deposits | 66.0719% | 4,117 |
| Net loans and leases to core deposits | 69.3610% | 4,141 |
| Total domestic deposits to total assets | 89.6905% | 581 |
| Equity capital to assets | 9.8182% | 3,843 |
| Core capital (leverage) ratio | 9.7947% | 3,803 |
| Tier 1 risk-based capital ratio | 14.4797% | 3,069 |
| Total risk-based capital ratio | 15.6161% | 3,045 |
| Memoranda: | ||
| Average total assets | $176,082,200 | 3,099 |
| Average earning assets | $166,351,400 | 3,060 |
| Average equity | $16,408,600 | 3,471 |
| Average total loans | $108,291,800 | 3,163 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1677% | 3,415 |
| Cost of funding earning assets | 0.2930% | 4,568 |
| Net interest margin | 3.8747% | 2,393 |
| Noninterest income to average assets | 0.5290% | 2,683 |
| Noninterest expense to average assets | 2.2990% | 4,106 |
| Loan and lease loss provision to assets | 0.1476% | 1,347 |
| Net operating income to assets | 1.6777% | 788 |
| Return on assets (ROA) | 1.6777% | 789 |
| Pretax return on assets | 1.7549% | 1,124 |
| Return on Equity (ROE) | 18.2476% | 403 |
| Retained earnings to average equity (ytd only) | 11.5395% | 548 |
| Net charge-offs to loans | 0.0685% | 1,856 |
| Credit loss provision to net charge-offs | 348.2143% | 902 |
| Earnings coverage of net charge-offs (x) | 44.8958% | 1,258 |
| Efficiency ratio | 54.7190% | 4,536 |
| Assets per employee ($millions) | 5.3078% | 2,112 |
| Cash dividends to net income (ytd only)* | 36.7614% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 2,183 |
| Loan loss allowance to noncurrent loans | 164.2191% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.4754% | 2,782 |
| Noncurrent loans to loans | 0.7807% | 2,145 |
| Net loans and leases to total assets | 60.1186% | 3,828 |
| Net loans and leases to deposits | 66.7637% | 4,147 |
| Net loans and leases to core deposits | 69.9932% | 4,190 |
| Total domestic deposits to total assets | 90.0468% | 496 |
| Equity capital to assets | 9.3248% | 4,249 |
| Core capital (leverage) ratio | 9.4067% | 4,269 |
| Tier 1 risk-based capital ratio | 13.9150% | 3,415 |
| Total risk-based capital ratio | 15.0776% | 3,362 |
| Memoranda: | ||
| Average total assets | $176,186,750 | 3,113 |
| Average earning assets | $166,993,250 | 3,083 |
| Average equity | $16,199,000 | 3,522 |
| Average total loans | $109,002,250 | 3,175 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0867% | 3,504 |
| Cost of funding earning assets | 0.2670% | 4,657 |
| Net interest margin | 3.8197% | 2,500 |
| Noninterest income to average assets | 0.5253% | 2,721 |
| Noninterest expense to average assets | 2.3255% | 4,092 |
| Loan and lease loss provision to assets | 0.1373% | 1,425 |
| Net operating income to assets | 1.6056% | 911 |
| Return on assets (ROA) | 1.6056% | 917 |
| Pretax return on assets | 1.6812% | 1,264 |
| Return on Equity (ROE) | 17.5492% | 470 |
| Retained earnings to average equity (ytd only) | 10.3194% | 834 |
| Net charge-offs to loans | -0.0092% | 4,295 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1171% | 4,462 |
| Assets per employee ($millions) | 5.2776% | 2,124 |
| Cash dividends to net income (ytd only)* | 41.1974% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 2,340 |
| Loan loss allowance to noncurrent loans | 146.6877% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.5300% | 2,643 |
| Noncurrent loans to loans | 0.8638% | 1,996 |
| Net loans and leases to total assets | 60.5795% | 3,754 |
| Net loans and leases to deposits | 67.0520% | 4,097 |
| Net loans and leases to core deposits | 70.3090% | 4,126 |
| Total domestic deposits to total assets | 90.3470% | 451 |
| Equity capital to assets | 9.0817% | 4,497 |
| Core capital (leverage) ratio | 9.5085% | 4,107 |
| Tier 1 risk-based capital ratio | 12.2559% | 4,339 |
| Total risk-based capital ratio | 13.3056% | 4,337 |
| Memoranda: | ||
| Average total assets | $174,760,670 | 3,156 |
| Average earning assets | $165,561,000 | 3,112 |
| Average equity | $15,989,330 | 3,566 |
| Average total loans | $108,702,330 | 3,195 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 3,456 |
| Cost of funding earning assets | 0.2277% | 4,846 |
| Net interest margin | 3.8148% | 2,360 |
| Noninterest income to average assets | 0.5614% | 2,467 |
| Noninterest expense to average assets | 2.3060% | 4,182 |
| Loan and lease loss provision to assets | 0.1392% | 1,355 |
| Net operating income to assets | 1.6541% | 759 |
| Return on assets (ROA) | 1.6541% | 763 |
| Pretax return on assets | 1.7306% | 1,040 |
| Return on Equity (ROE) | 18.0096% | 411 |
| Retained earnings to average equity (ytd only) | 15.2311% | 310 |
| Net charge-offs to loans | -0.0074% | 4,139 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2222% | 4,673 |
| Assets per employee ($millions) | 5.0241% | 2,462 |
| Cash dividends to net income (ytd only)* | 15.4278% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 2,568 |
| Loan loss allowance to noncurrent loans | 139.7692% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.5579% | 2,660 |
| Noncurrent loans to loans | 0.8880% | 2,053 |
| Net loans and leases to total assets | 62.0503% | 3,542 |
| Net loans and leases to deposits | 69.0544% | 3,869 |
| Net loans and leases to core deposits | 72.8745% | 3,893 |
| Total domestic deposits to total assets | 89.8570% | 717 |
| Equity capital to assets | 9.4206% | 4,159 |
| Core capital (leverage) ratio | 9.4254% | 4,154 |
| Tier 1 risk-based capital ratio | 13.7092% | 3,539 |
| Total risk-based capital ratio | 14.8459% | 3,516 |
| Memoranda: | ||
| Average total assets | $172,422,500 | 3,223 |
| Average earning assets | $163,363,000 | 3,171 |
| Average equity | $15,836,000 | 3,607 |
| Average total loans | $108,005,000 | 3,230 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9214% | 3,652 |
| Cost of funding earning assets | 0.1832% | 5,072 |
| Net interest margin | 3.7382% | 2,641 |
| Noninterest income to average assets | 0.4418% | 3,358 |
| Noninterest expense to average assets | 2.4991% | 3,788 |
| Loan and lease loss provision to assets | 0.1762% | 1,232 |
| Net operating income to assets | 1.2475% | 1,368 |
| Return on assets (ROA) | 1.2475% | 1,389 |
| Pretax return on assets | 1.3030% | 2,336 |
| Return on Equity (ROE) | 14.3749% | 707 |
| Retained earnings to average equity (ytd only) | 7.8862% | 804 |
| Net charge-offs to loans | 0.2766% | 947 |
| Credit loss provision to net charge-offs | 103.3898% | 2,474 |
| Earnings coverage of net charge-offs (x) | 8.6814% | 2,879 |
| Efficiency ratio | 62.8194% | 3,808 |
| Assets per employee ($millions) | 5.1184% | 2,339 |
| Cash dividends to net income (ytd only)* | 45.1389% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 2,966 |
| Loan loss allowance to noncurrent loans | 132.1540% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.5522% | 2,712 |
| Noncurrent loans to loans | 0.8842% | 2,013 |
| Net loans and leases to total assets | 61.7232% | 3,654 |
| Net loans and leases to deposits | 68.2165% | 4,008 |
| Net loans and leases to core deposits | 71.5399% | 4,081 |
| Total domestic deposits to total assets | 90.4814% | 405 |
| Equity capital to assets | 8.9526% | 4,773 |
| Core capital (leverage) ratio | 8.8189% | 4,843 |
| Tier 1 risk-based capital ratio | 13.1237% | 3,834 |
| Total risk-based capital ratio | 14.2017% | 3,835 |
| Memoranda: | ||
| Average total assets | $173,140,400 | 3,207 |
| Average earning assets | $163,795,600 | 3,156 |
| Average equity | $15,026,200 | 3,717 |
| Average total loans | $106,651,400 | 3,237 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8374% | 3,881 |
| Cost of funding earning assets | 0.1735% | 5,173 |
| Net interest margin | 3.6639% | 2,897 |
| Noninterest income to average assets | 0.4380% | 3,419 |
| Noninterest expense to average assets | 2.2723% | 4,371 |
| Loan and lease loss provision to assets | 0.0925% | 2,235 |
| Net operating income to assets | 1.4750% | 943 |
| Return on assets (ROA) | 1.4750% | 965 |
| Pretax return on assets | 1.5406% | 1,617 |
| Return on Equity (ROE) | 17.1322% | 404 |
| Retained earnings to average equity (ytd only) | 8.4005% | 1,053 |
| Net charge-offs to loans | 0.0289% | 2,853 |
| Credit loss provision to net charge-offs | 521.7391% | 609 |
| Earnings coverage of net charge-offs (x) | 92.0747% | 730 |
| Efficiency ratio | 58.1836% | 4,479 |
| Assets per employee ($millions) | 5.2471% | 2,177 |
| Cash dividends to net income (ytd only)* | 50.9672% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 2,765 |
| Loan loss allowance to noncurrent loans | 695.8974% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1093% | 4,698 |
| Noncurrent loans to loans | 0.1763% | 4,364 |
| Net loans and leases to total assets | 61.2500% | 3,745 |
| Net loans and leases to deposits | 67.6080% | 4,136 |
| Net loans and leases to core deposits | 70.4768% | 4,217 |
| Total domestic deposits to total assets | 90.5959% | 298 |
| Equity capital to assets | 8.6300% | 5,207 |
| Core capital (leverage) ratio | 8.7583% | 5,007 |
| Tier 1 risk-based capital ratio | 12.7469% | 4,178 |
| Total risk-based capital ratio | 13.8837% | 4,138 |
| Memoranda: | ||
| Average total assets | $172,918,750 | 3,232 |
| Average earning assets | $163,648,000 | 3,186 |
| Average equity | $14,887,750 | 3,768 |
| Average total loans | $106,143,000 | 3,269 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7912% | 3,923 |
| Cost of funding earning assets | 0.1660% | 5,235 |
| Net interest margin | 3.6253% | 2,932 |
| Noninterest income to average assets | 0.4407% | 3,413 |
| Noninterest expense to average assets | 2.3134% | 4,308 |
| Loan and lease loss provision to assets | 0.0701% | 2,571 |
| Net operating income to assets | 1.4121% | 1,038 |
| Return on assets (ROA) | 1.4121% | 1,063 |
| Pretax return on assets | 1.4787% | 1,726 |
| Return on Equity (ROE) | 16.4149% | 473 |
| Retained earnings to average equity (ytd only) | 6.8078% | 1,685 |
| Net charge-offs to loans | -0.0038% | 4,277 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8971% | 4,330 |
| Assets per employee ($millions) | 5.0646% | 2,316 |
| Cash dividends to net income (ytd only)* | 58.5265% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 2,839 |
| Loan loss allowance to noncurrent loans | 582.3789% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 4,659 |
| Noncurrent loans to loans | 0.2110% | 4,274 |
| Net loans and leases to total assets | 61.7088% | 3,664 |
| Net loans and leases to deposits | 68.1320% | 4,062 |
| Net loans and leases to core deposits | 71.7493% | 4,109 |
| Total domestic deposits to total assets | 90.5724% | 332 |
| Equity capital to assets | 8.6913% | 5,151 |
| Core capital (leverage) ratio | 8.6053% | 5,138 |
| Tier 1 risk-based capital ratio | 11.6725% | 4,856 |
| Total risk-based capital ratio | 12.7166% | 4,874 |
| Memoranda: | ||
| Average total assets | $171,091,670 | 3,266 |
| Average earning assets | $161,477,670 | 3,218 |
| Average equity | $14,718,330 | 3,795 |
| Average total loans | $104,648,330 | 3,304 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7206% | 4,052 |
| Cost of funding earning assets | 0.1470% | 5,397 |
| Net interest margin | 3.5736% | 2,988 |
| Noninterest income to average assets | 0.4480% | 3,321 |
| Noninterest expense to average assets | 2.3127% | 4,371 |
| Loan and lease loss provision to assets | 0.0704% | 2,403 |
| Net operating income to assets | 1.3627% | 1,087 |
| Return on assets (ROA) | 1.3627% | 1,124 |
| Pretax return on assets | 1.4284% | 1,774 |
| Return on Equity (ROE) | 15.9238% | 536 |
| Retained earnings to average equity (ytd only) | 9.7023% | 883 |
| Net charge-offs to loans | -0.0039% | 4,116 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6769% | 4,367 |
| Assets per employee ($millions) | 5.0526% | 2,376 |
| Cash dividends to net income (ytd only)* | 39.0706% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 2,829 |
| Loan loss allowance to noncurrent loans | 529.0984% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 4,587 |
| Noncurrent loans to loans | 0.2360% | 4,268 |
| Net loans and leases to total assets | 59.4231% | 3,843 |
| Net loans and leases to deposits | 65.5715% | 4,205 |
| Net loans and leases to core deposits | 68.9415% | 4,225 |
| Total domestic deposits to total assets | 90.6234% | 420 |
| Equity capital to assets | 8.6059% | 5,150 |
| Core capital (leverage) ratio | 8.7147% | 5,031 |
| Tier 1 risk-based capital ratio | 11.9958% | 4,723 |
| Total risk-based capital ratio | 13.0542% | 4,754 |
| Memoranda: | ||
| Average total assets | $170,539,500 | 3,306 |
| Average earning assets | $160,512,500 | 3,261 |
| Average equity | $14,594,500 | 3,839 |
| Average total loans | $103,181,500 | 3,361 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6409% | 4,400 |
| Cost of funding earning assets | 0.1575% | 5,368 |
| Net interest margin | 3.4833% | 3,499 |
| Noninterest income to average assets | 0.3733% | 4,077 |
| Noninterest expense to average assets | 2.3932% | 4,316 |
| Loan and lease loss provision to assets | 0.0765% | 2,826 |
| Net operating income to assets | 1.1303% | 1,774 |
| Return on assets (ROA) | 1.1303% | 1,868 |
| Pretax return on assets | 1.1840% | 2,747 |
| Return on Equity (ROE) | 13.8424% | 801 |
| Retained earnings to average equity (ytd only) | 7.1322% | 1,175 |
| Net charge-offs to loans | 0.2639% | 1,050 |
| Credit loss provision to net charge-offs | 48.3395% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.9631% | 2,943 |
| Efficiency ratio | 65.4996% | 3,675 |
| Assets per employee ($millions) | 4.9791% | 2,420 |
| Cash dividends to net income (ytd only)* | 48.4755% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2234% | 2,982 |
| Loan loss allowance to noncurrent loans | 470.1493% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 4,335 |
| Noncurrent loans to loans | 0.2602% | 4,219 |
| Net loans and leases to total assets | 60.0919% | 3,839 |
| Net loans and leases to deposits | 66.2117% | 4,226 |
| Net loans and leases to core deposits | 69.4107% | 4,295 |
| Total domestic deposits to total assets | 90.7572% | 365 |
| Equity capital to assets | 8.5091% | 5,265 |
| Core capital (leverage) ratio | 8.4810% | 5,280 |
| Tier 1 risk-based capital ratio | 13.1426% | 3,976 |
| Total risk-based capital ratio | 14.3024% | 3,950 |
| Memoranda: | ||
| Average total assets | $171,195,600 | 3,271 |
| Average earning assets | $161,225,400 | 3,218 |
| Average equity | $13,978,800 | 3,942 |
| Average total loans | $102,698,600 | 3,338 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6047% | 4,543 |
| Cost of funding earning assets | 0.1597% | 5,418 |
| Net interest margin | 3.4450% | 3,692 |
| Noninterest income to average assets | 0.3775% | 4,081 |
| Noninterest expense to average assets | 2.2251% | 4,700 |
| Loan and lease loss provision to assets | 0.0784% | 2,656 |
| Net operating income to assets | 1.2582% | 1,421 |
| Return on assets (ROA) | 1.2582% | 1,527 |
| Pretax return on assets | 1.3250% | 2,330 |
| Return on Equity (ROE) | 15.5703% | 597 |
| Retained earnings to average equity (ytd only) | 6.5549% | 1,874 |
| Net charge-offs to loans | 0.3547% | 635 |
| Credit loss provision to net charge-offs | 36.9963% | 3,176 |
| Earnings coverage of net charge-offs (x) | 6.6191% | 2,981 |
| Efficiency ratio | 61.3228% | 4,332 |
| Assets per employee ($millions) | 4.9488% | 2,421 |
| Cash dividends to net income (ytd only)* | 57.9013% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 3,439 |
| Loan loss allowance to noncurrent loans | 449.8168% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 4,449 |
| Noncurrent loans to loans | 0.2595% | 4,335 |
| Net loans and leases to total assets | 61.7881% | 3,658 |
| Net loans and leases to deposits | 68.2102% | 4,130 |
| Net loans and leases to core deposits | 71.8559% | 4,172 |
| Total domestic deposits to total assets | 90.5848% | 301 |
| Equity capital to assets | 8.4620% | 5,550 |
| Core capital (leverage) ratio | 8.2121% | 5,563 |
| Tier 1 risk-based capital ratio | 11.5505% | 5,054 |
| Total risk-based capital ratio | 12.5663% | 5,099 |
| Memoranda: | ||
| Average total assets | $171,672,250 | 3,271 |
| Average earning assets | $162,006,500 | 3,219 |
| Average equity | $13,872,250 | 3,991 |
| Average total loans | $102,626,000 | 3,351 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5655% | 4,695 |
| Cost of funding earning assets | 0.1591% | 5,488 |
| Net interest margin | 3.4063% | 3,868 |
| Noninterest income to average assets | 0.3680% | 4,117 |
| Noninterest expense to average assets | 2.1989% | 4,850 |
| Loan and lease loss provision to assets | 0.0822% | 2,496 |
| Net operating income to assets | 1.2453% | 1,444 |
| Return on assets (ROA) | 1.2453% | 1,554 |
| Pretax return on assets | 1.3078% | 2,375 |
| Return on Equity (ROE) | 15.6505% | 585 |
| Retained earnings to average equity (ytd only) | 5.5126% | 2,414 |
| Net charge-offs to loans | 0.5306% | 397 |
| Credit loss provision to net charge-offs | 26.2963% | 2,885 |
| Earnings coverage of net charge-offs (x) | 4.4481% | 2,986 |
| Efficiency ratio | 61.2706% | 4,468 |
| Assets per employee ($millions) | 4.8800% | 2,439 |
| Cash dividends to net income (ytd only)* | 64.7770% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1523% | 3,629 |
| Loan loss allowance to noncurrent loans | 307.9487% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 4,582 |
| Noncurrent loans to loans | 0.3742% | 4,020 |
| Net loans and leases to total assets | 60.3218% | 3,841 |
| Net loans and leases to deposits | 66.3283% | 4,325 |
| Net loans and leases to core deposits | 69.4677% | 4,367 |
| Total domestic deposits to total assets | 90.9443% | 200 |
| Equity capital to assets | 8.1622% | 5,750 |
| Core capital (leverage) ratio | 8.0070% | 5,727 |
| Tier 1 risk-based capital ratio | 10.7307% | 5,560 |
| Total risk-based capital ratio | 11.6742% | 5,624 |
| Memoranda: | ||
| Average total assets | $172,810,000 | 3,280 |
| Average earning assets | $163,401,000 | 3,229 |
| Average equity | $13,750,330 | 4,026 |
| Average total loans | $101,770,670 | 3,375 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5384% | 4,789 |
| Cost of funding earning assets | 0.1577% | 5,553 |
| Net interest margin | 3.3806% | 3,934 |
| Noninterest income to average assets | 0.4050% | 3,794 |
| Noninterest expense to average assets | 2.1816% | 4,948 |
| Loan and lease loss provision to assets | 0.0690% | 2,573 |
| Net operating income to assets | 1.2864% | 1,285 |
| Return on assets (ROA) | 1.2864% | 1,371 |
| Pretax return on assets | 1.3601% | 2,045 |
| Return on Equity (ROE) | 16.3750% | 495 |
| Retained earnings to average equity (ytd only) | 9.3739% | 1,009 |
| Net charge-offs to loans | -0.0080% | 4,443 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4207% | 4,691 |
| Assets per employee ($millions) | 4.9060% | 2,450 |
| Cash dividends to net income (ytd only)* | 42.7549% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4459% | 2,219 |
| Loan loss allowance to noncurrent loans | 208.1395% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 3,988 |
| Noncurrent loans to loans | 0.6947% | 3,111 |
| Net loans and leases to total assets | 56.8432% | 4,167 |
| Net loans and leases to deposits | 62.4782% | 4,547 |
| Net loans and leases to core deposits | 65.3088% | 4,595 |
| Total domestic deposits to total assets | 90.9808% | 283 |
| Equity capital to assets | 8.0635% | 5,800 |
| Core capital (leverage) ratio | 7.8343% | 5,836 |
| Tier 1 risk-based capital ratio | 10.2108% | 5,859 |
| Total risk-based capital ratio | 11.2859% | 5,849 |
| Memoranda: | ||
| Average total assets | $173,815,500 | 3,283 |
| Average earning assets | $164,820,500 | 3,216 |
| Average equity | $13,655,000 | 4,050 |
| Average total loans | $100,541,000 | 3,414 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6373% | 4,568 |
| Cost of funding earning assets | 0.1812% | 5,446 |
| Net interest margin | 3.4561% | 3,692 |
| Noninterest income to average assets | 0.3535% | 4,377 |
| Noninterest expense to average assets | 2.3530% | 4,639 |
| Loan and lease loss provision to assets | 0.0948% | 2,424 |
| Net operating income to assets | 1.1039% | 1,907 |
| Return on assets (ROA) | 1.1039% | 1,977 |
| Pretax return on assets | 1.1659% | 2,787 |
| Return on Equity (ROE) | 14.4683% | 772 |
| Retained earnings to average equity (ytd only) | 7.2341% | 1,186 |
| Net charge-offs to loans | -0.0185% | 5,249 |
| Credit loss provision to net charge-offs | -852.6316% | 5,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1118% | 4,060 |
| Assets per employee ($millions) | 5.1741% | 2,150 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 2,544 |
| Loan loss allowance to noncurrent loans | 804.5977% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 5,215 |
| Noncurrent loans to loans | 0.1705% | 4,807 |
| Net loans and leases to total assets | 57.2101% | 4,170 |
| Net loans and leases to deposits | 62.5452% | 4,591 |
| Net loans and leases to core deposits | 65.2397% | 4,648 |
| Total domestic deposits to total assets | 91.4700% | 182 |
| Equity capital to assets | 7.6535% | 5,955 |
| Core capital (leverage) ratio | 7.3383% | 6,002 |
| Tier 1 risk-based capital ratio | 11.4027% | 5,313 |
| Total risk-based capital ratio | 12.6047% | 5,233 |
| Memoranda: | ||
| Average total assets | $170,849,000 | 3,290 |
| Average earning assets | $161,164,800 | 3,243 |
| Average equity | $13,035,400 | 4,137 |
| Average total loans | $102,670,800 | 3,342 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6461% | 4,585 |
| Cost of funding earning assets | 0.1860% | 5,491 |
| Net interest margin | 3.4601% | 3,720 |
| Noninterest income to average assets | 0.3703% | 4,280 |
| Noninterest expense to average assets | 2.2203% | 4,994 |
| Loan and lease loss provision to assets | 0.1022% | 2,148 |
| Net operating income to assets | 1.2509% | 1,482 |
| Return on assets (ROA) | 1.2509% | 1,537 |
| Pretax return on assets | 1.3091% | 2,357 |
| Return on Equity (ROE) | 16.4081% | 543 |
| Retained earnings to average equity (ytd only) | 6.6829% | 1,845 |
| Net charge-offs to loans | -0.0195% | 5,202 |
| Credit loss provision to net charge-offs | -866.6667% | 5,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1388% | 4,702 |
| Assets per employee ($millions) | 5.5493% | 1,739 |
| Cash dividends to net income (ytd only)* | 59.2708% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 2,994 |
| Loan loss allowance to noncurrent loans | 2,902.1277% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 5,689 |
| Noncurrent loans to loans | 0.0455% | 5,437 |
| Net loans and leases to total assets | 57.4435% | 4,207 |
| Net loans and leases to deposits | 62.8018% | 4,661 |
| Net loans and leases to core deposits | 65.4873% | 4,728 |
| Total domestic deposits to total assets | 91.4680% | 163 |
| Equity capital to assets | 7.4598% | 6,077 |
| Core capital (leverage) ratio | 7.5217% | 6,054 |
| Tier 1 risk-based capital ratio | 11.0722% | 5,621 |
| Total risk-based capital ratio | 12.2352% | 5,567 |
| Memoranda: | ||
| Average total assets | $169,581,250 | 3,337 |
| Average earning assets | $159,837,000 | 3,286 |
| Average equity | $12,928,250 | 4,194 |
| Average total loans | $102,827,500 | 3,372 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6802% | 4,465 |
| Cost of funding earning assets | 0.1898% | 5,527 |
| Net interest margin | 3.4904% | 3,538 |
| Noninterest income to average assets | 0.3918% | 4,141 |
| Noninterest expense to average assets | 2.2802% | 4,890 |
| Loan and lease loss provision to assets | 0.0719% | 2,672 |
| Net operating income to assets | 1.2605% | 1,423 |
| Return on assets (ROA) | 1.2605% | 1,479 |
| Pretax return on assets | 1.3228% | 2,276 |
| Return on Equity (ROE) | 16.4093% | 560 |
| Retained earnings to average equity (ytd only) | 5.5218% | 2,522 |
| Net charge-offs to loans | -0.0175% | 5,126 |
| Credit loss provision to net charge-offs | -666.6667% | 5,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0476% | 4,674 |
| Assets per employee ($millions) | 4.9090% | 2,389 |
| Cash dividends to net income (ytd only)* | 66.3498% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 3,548 |
| Loan loss allowance to noncurrent loans | 2,995.3488% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 5,789 |
| Noncurrent loans to loans | 0.0415% | 5,581 |
| Net loans and leases to total assets | 61.3463% | 3,644 |
| Net loans and leases to deposits | 67.3140% | 4,201 |
| Net loans and leases to core deposits | 70.5282% | 4,276 |
| Total domestic deposits to total assets | 91.1345% | 271 |
| Equity capital to assets | 7.7529% | 6,062 |
| Core capital (leverage) ratio | 7.5594% | 6,086 |
| Tier 1 risk-based capital ratio | 9.0238% | 6,254 |
| Total risk-based capital ratio | 10.0042% | 6,269 |
| Memoranda: | ||
| Average total assets | $166,915,670 | 3,404 |
| Average earning assets | $157,003,000 | 3,346 |
| Average equity | $12,822,000 | 4,238 |
| Average total loans | $102,646,330 | 3,388 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6241% | 4,612 |
| Cost of funding earning assets | 0.1851% | 5,646 |
| Net interest margin | 3.4390% | 3,672 |
| Noninterest income to average assets | 0.4457% | 3,662 |
| Noninterest expense to average assets | 2.2669% | 4,956 |
| Loan and lease loss provision to assets | 0.0719% | 2,502 |
| Net operating income to assets | 1.2988% | 1,280 |
| Return on assets (ROA) | 1.2988% | 1,367 |
| Pretax return on assets | 1.3563% | 2,045 |
| Return on Equity (ROE) | 16.9866% | 473 |
| Retained earnings to average equity (ytd only) | 8.3993% | 1,413 |
| Net charge-offs to loans | -0.0157% | 4,934 |
| Credit loss provision to net charge-offs | -750.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3489% | 4,911 |
| Assets per employee ($millions) | 5.1028% | 2,228 |
| Cash dividends to net income (ytd only)* | 50.5535% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 3,753 |
| Loan loss allowance to noncurrent loans | 2,847.7273% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 5,836 |
| Noncurrent loans to loans | 0.0435% | 5,609 |
| Net loans and leases to total assets | 57.6377% | 4,003 |
| Net loans and leases to deposits | 63.0250% | 4,479 |
| Net loans and leases to core deposits | 65.9091% | 4,526 |
| Total domestic deposits to total assets | 91.4522% | 241 |
| Equity capital to assets | 7.4331% | 6,191 |
| Core capital (leverage) ratio | 7.5820% | 6,119 |
| Tier 1 risk-based capital ratio | 12.4049% | 4,974 |
| Total risk-based capital ratio | 13.6379% | 4,894 |
| Memoranda: | ||
| Average total assets | $166,921,000 | 3,415 |
| Average earning assets | $157,720,500 | 3,354 |
| Average equity | $12,763,000 | 4,281 |
| Average total loans | $102,130,500 | 3,414 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7627% | 4,612 |
| Cost of funding earning assets | 0.2133% | 5,640 |
| Net interest margin | 3.5494% | 3,602 |
| Noninterest income to average assets | 0.4107% | 4,106 |
| Noninterest expense to average assets | 2.4881% | 4,586 |
| Loan and lease loss provision to assets | 0.0756% | 2,963 |
| Net operating income to assets | 1.1414% | 1,809 |
| Return on assets (ROA) | 1.1414% | 1,874 |
| Pretax return on assets | 1.1691% | 2,784 |
| Return on Equity (ROE) | 15.0937% | 766 |
| Retained earnings to average equity (ytd only) | 11.0371% | 377 |
| Net charge-offs to loans | -0.0218% | 5,715 |
| Credit loss provision to net charge-offs | -571.4286% | 5,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6554% | 4,123 |
| Assets per employee ($millions) | 4.7161% | 2,701 |
| Cash dividends to net income (ytd only)* | 26.8764% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 4,110 |
| Loan loss allowance to noncurrent loans | 2,138.5965% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 5,899 |
| Noncurrent loans to loans | 0.0553% | 5,659 |
| Net loans and leases to total assets | 63.4813% | 3,294 |
| Net loans and leases to deposits | 69.7844% | 3,943 |
| Net loans and leases to core deposits | 73.2446% | 3,997 |
| Total domestic deposits to total assets | 90.9678% | 379 |
| Equity capital to assets | 7.8766% | 6,117 |
| Core capital (leverage) ratio | 7.5504% | 6,187 |
| Tier 1 risk-based capital ratio | 10.5632% | 6,074 |
| Total risk-based capital ratio | 11.6068% | 6,108 |
| Memoranda: | ||
| Average total assets | $158,754,000 | 3,507 |
| Average earning assets | $148,589,800 | 3,469 |
| Average equity | $12,005,000 | 4,360 |
| Average total loans | $96,343,000 | 3,494 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7017% | 4,850 |
| Cost of funding earning assets | 0.2159% | 5,709 |
| Net interest margin | 3.4857% | 3,888 |
| Noninterest income to average assets | 0.4168% | 4,125 |
| Noninterest expense to average assets | 2.3373% | 5,006 |
| Loan and lease loss provision to assets | 0.0758% | 2,824 |
| Net operating income to assets | 1.1964% | 1,687 |
| Return on assets (ROA) | 1.1964% | 1,763 |
| Pretax return on assets | 1.2655% | 2,517 |
| Return on Equity (ROE) | 15.9900% | 678 |
| Retained earnings to average equity (ytd only) | 11.7928% | 432 |
| Net charge-offs to loans | -0.0239% | 5,665 |
| Credit loss provision to net charge-offs | -529.4118% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5386% | 4,621 |
| Assets per employee ($millions) | 4.8534% | 2,442 |
| Cash dividends to net income (ytd only)* | 26.2491% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 4,175 |
| Loan loss allowance to noncurrent loans | 2,521.2766% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 6,055 |
| Noncurrent loans to loans | 0.0479% | 5,821 |
| Net loans and leases to total assets | 58.6818% | 3,977 |
| Net loans and leases to deposits | 64.3670% | 4,494 |
| Net loans and leases to core deposits | 67.5114% | 4,555 |
| Total domestic deposits to total assets | 91.1676% | 318 |
| Equity capital to assets | 7.4835% | 6,306 |
| Core capital (leverage) ratio | 7.5015% | 6,285 |
| Tier 1 risk-based capital ratio | 11.2046% | 5,909 |
| Total risk-based capital ratio | 12.3055% | 5,924 |
| Memoranda: | ||
| Average total assets | $158,355,500 | 3,537 |
| Average earning assets | $148,182,500 | 3,509 |
| Average equity | $11,848,750 | 4,415 |
| Average total loans | $94,676,250 | 3,570 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7017% | 4,860 |
| Cost of funding earning assets | 0.2197% | 5,748 |
| Net interest margin | 3.4820% | 3,847 |
| Noninterest income to average assets | 0.4240% | 4,061 |
| Noninterest expense to average assets | 2.3787% | 4,942 |
| Loan and lease loss provision to assets | 0.0769% | 2,738 |
| Net operating income to assets | 1.1631% | 1,711 |
| Return on assets (ROA) | 1.1631% | 1,780 |
| Pretax return on assets | 1.2169% | 2,589 |
| Return on Equity (ROE) | 15.5453% | 704 |
| Retained earnings to average equity (ytd only) | 12.4294% | 381 |
| Net charge-offs to loans | -0.0214% | 5,571 |
| Credit loss provision to net charge-offs | -600.0000% | 5,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7715% | 4,570 |
| Assets per employee ($millions) | 4.4602% | 2,987 |
| Cash dividends to net income (ytd only)* | 20.0441% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 4,419 |
| Loan loss allowance to noncurrent loans | 1,221.2766% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 5,952 |
| Noncurrent loans to loans | 0.0983% | 5,727 |
| Net loans and leases to total assets | 60.4912% | 3,635 |
| Net loans and leases to deposits | 66.5748% | 4,210 |
| Net loans and leases to core deposits | 70.0553% | 4,264 |
| Total domestic deposits to total assets | 90.8620% | 449 |
| Equity capital to assets | 7.7139% | 6,292 |
| Core capital (leverage) ratio | 7.6061% | 6,272 |
| Tier 1 risk-based capital ratio | 11.3991% | 5,854 |
| Total risk-based capital ratio | 12.5138% | 5,870 |
| Memoranda: | ||
| Average total assets | $156,135,000 | 3,591 |
| Average earning assets | $145,662,000 | 3,573 |
| Average equity | $11,682,000 | 4,457 |
| Average total loans | $93,561,670 | 3,603 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6105% | 5,140 |
| Cost of funding earning assets | 0.2250% | 5,799 |
| Net interest margin | 3.3855% | 4,191 |
| Noninterest income to average assets | 0.4201% | 4,030 |
| Noninterest expense to average assets | 2.3926% | 4,949 |
| Loan and lease loss provision to assets | 0.0768% | 2,606 |
| Net operating income to assets | 1.0605% | 1,964 |
| Return on assets (ROA) | 1.0605% | 2,038 |
| Pretax return on assets | 1.1118% | 2,848 |
| Return on Equity (ROE) | 14.3975% | 877 |
| Retained earnings to average equity (ytd only) | 14.3975% | 369 |
| Net charge-offs to loans | -0.0605% | 5,892 |
| Credit loss provision to net charge-offs | -214.2857% | 4,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8097% | 4,397 |
| Assets per employee ($millions) | 4.5861% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 4,657 |
| Loan loss allowance to noncurrent loans | 1,078.8462% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 6,083 |
| Noncurrent loans to loans | 0.1107% | 5,794 |
| Net loans and leases to total assets | 57.8270% | 3,865 |
| Net loans and leases to deposits | 63.4218% | 4,381 |
| Net loans and leases to core deposits | 66.5379% | 4,447 |
| Total domestic deposits to total assets | 91.1784% | 498 |
| Equity capital to assets | 7.3009% | 6,380 |
| Core capital (leverage) ratio | 7.2861% | 6,407 |
| Tier 1 risk-based capital ratio | 10.1538% | 6,436 |
| Total risk-based capital ratio | 11.1508% | 6,480 |
| Memoranda: | ||
| Average total assets | $156,149,000 | 3,624 |
| Average earning assets | $145,798,500 | 3,594 |
| Average equity | $11,502,000 | 4,508 |
| Average total loans | $92,553,000 | 3,642 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8306% | 4,692 |
| Cost of funding earning assets | 0.2463% | 5,992 |
| Net interest margin | 3.5843% | 3,528 |
| Noninterest income to average assets | 0.4060% | 4,398 |
| Noninterest expense to average assets | 2.6400% | 4,314 |
| Loan and lease loss provision to assets | 0.0624% | 3,891 |
| Net operating income to assets | 0.4961% | 4,749 |
| Return on assets (ROA) | 0.4961% | 4,886 |
| Pretax return on assets | 1.0310% | 3,223 |
| Return on Equity (ROE) | 6.4817% | 3,838 |
| Retained earnings to average equity (ytd only) | 6.4817% | 1,697 |
| Net charge-offs to loans | 0.0314% | 4,805 |
| Credit loss provision to net charge-offs | 333.3333% | 683 |
| Earnings coverage of net charge-offs (x) | 58.4444% | 700 |
| Efficiency ratio | 70.7127% | 3,719 |
| Assets per employee ($millions) | 4.3367% | 3,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 4,745 |
| Loan loss allowance to noncurrent loans | 1,891.2281% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.1739% | 5,792 |
| Noncurrent loans to loans | 0.0625% | 6,041 |
| Net loans and leases to total assets | 59.3512% | 3,817 |
| Net loans and leases to deposits | 65.3301% | 4,378 |
| Net loans and leases to core deposits | 68.2860% | 4,482 |
| Total domestic deposits to total assets | 90.8481% | 639 |
| Equity capital to assets | 7.4350% | 6,314 |
| Core capital (leverage) ratio | 7.2654% | 6,454 |
| Tier 1 risk-based capital ratio | 10.3842% | 6,406 |
| Total risk-based capital ratio | 11.4007% | 6,428 |
| Memoranda: | ||
| Average total assets | $144,319,600 | 3,801 |
| Average earning assets | $133,972,800 | 3,753 |
| Average equity | $11,046,400 | 4,623 |
| Average total loans | $85,959,400 | 3,779 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8296% | 4,736 |
| Cost of funding earning assets | 0.2482% | 6,103 |
| Net interest margin | 3.5815% | 3,530 |
| Noninterest income to average assets | 0.4100% | 4,453 |
| Noninterest expense to average assets | 2.5215% | 4,651 |
| Loan and lease loss provision to assets | 0.0562% | 3,932 |
| Net operating income to assets | 0.7226% | 3,740 |
| Return on assets (ROA) | 0.7226% | 3,866 |
| Pretax return on assets | 1.1550% | 2,875 |
| Return on Equity (ROE) | 9.3686% | 2,456 |
| Retained earnings to average equity (ytd only) | 9.3686% | 943 |
| Net charge-offs to loans | -0.0268% | 6,139 |
| Credit loss provision to net charge-offs | -352.9412% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5527% | 4,181 |
| Assets per employee ($millions) | 4.2081% | 3,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 4,654 |
| Loan loss allowance to noncurrent loans | 332.9268% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.2227% | 5,778 |
| Noncurrent loans to loans | 0.3745% | 5,279 |
| Net loans and leases to total assets | 58.7271% | 3,887 |
| Net loans and leases to deposits | 64.5649% | 4,455 |
| Net loans and leases to core deposits | 67.4730% | 4,572 |
| Total domestic deposits to total assets | 90.9582% | 549 |
| Equity capital to assets | 7.7144% | 6,302 |
| Core capital (leverage) ratio | 7.6570% | 6,386 |
| Tier 1 risk-based capital ratio | 10.7577% | 6,377 |
| Total risk-based capital ratio | 11.8188% | 6,405 |
| Memoranda: | ||
| Average total assets | $142,453,750 | 3,880 |
| Average earning assets | $132,159,000 | 3,835 |
| Average equity | $10,986,750 | 4,689 |
| Average total loans | $84,658,500 | 3,844 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7942% | 4,847 |
| Cost of funding earning assets | 0.2560% | 6,131 |
| Net interest margin | 3.5382% | 3,621 |
| Noninterest income to average assets | 0.3948% | 4,564 |
| Noninterest expense to average assets | 2.4992% | 4,734 |
| Loan and lease loss provision to assets | 0.0568% | 3,865 |
| Net operating income to assets | 0.6859% | 3,872 |
| Return on assets (ROA) | 0.6859% | 4,041 |
| Pretax return on assets | 1.1360% | 2,943 |
| Return on Equity (ROE) | 8.8937% | 2,660 |
| Retained earnings to average equity (ytd only) | 8.8937% | 1,163 |
| Net charge-offs to loans | -0.0287% | 6,086 |
| Credit loss provision to net charge-offs | -333.3333% | 5,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6923% | 4,234 |
| Assets per employee ($millions) | 3.8944% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 4,906 |
| Loan loss allowance to noncurrent loans | 1,285.5422% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 6,328 |
| Noncurrent loans to loans | 0.0945% | 6,117 |
| Net loans and leases to total assets | 60.2204% | 3,616 |
| Net loans and leases to deposits | 66.1866% | 4,247 |
| Net loans and leases to core deposits | 69.2547% | 4,356 |
| Total domestic deposits to total assets | 90.9857% | 548 |
| Equity capital to assets | 7.6964% | 6,367 |
| Core capital (leverage) ratio | 7.7006% | 6,367 |
| Tier 1 risk-based capital ratio | 10.7806% | 6,419 |
| Total risk-based capital ratio | 11.8475% | 6,450 |
| Memoranda: | ||
| Average total assets | $140,844,000 | 3,931 |
| Average earning assets | $131,252,000 | 3,877 |
| Average equity | $10,861,670 | 4,758 |
| Average total loans | $83,682,330 | 3,881 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7808% | 4,888 |
| Cost of funding earning assets | 0.2692% | 6,166 |
| Net interest margin | 3.5116% | 3,647 |
| Noninterest income to average assets | 0.3362% | 5,007 |
| Noninterest expense to average assets | 2.4882% | 4,798 |
| Loan and lease loss provision to assets | 0.0862% | 3,223 |
| Net operating income to assets | 0.5861% | 4,287 |
| Return on assets (ROA) | 0.5861% | 4,433 |
| Pretax return on assets | 1.0228% | 3,253 |
| Return on Equity (ROE) | 7.5925% | 3,167 |
| Retained earnings to average equity (ytd only) | 7.5925% | 1,900 |
| Net charge-offs to loans | -0.0294% | 5,889 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1693% | 4,121 |
| Assets per employee ($millions) | 4.0040% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 4,508 |
| Loan loss allowance to noncurrent loans | 991.5094% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 6,372 |
| Noncurrent loans to loans | 0.1353% | 6,062 |
| Net loans and leases to total assets | 55.1698% | 4,213 |
| Net loans and leases to deposits | 60.0668% | 4,790 |
| Net loans and leases to core deposits | 62.9580% | 4,851 |
| Total domestic deposits to total assets | 91.8474% | 273 |
| Equity capital to assets | 7.7387% | 6,506 |
| Core capital (leverage) ratio | 7.6344% | 6,400 |
| Tier 1 risk-based capital ratio | 11.9249% | 5,962 |
| Total risk-based capital ratio | 13.1182% | 5,960 |
| Memoranda: | ||
| Average total assets | $139,219,000 | 4,002 |
| Average earning assets | $129,284,000 | 3,958 |
| Average equity | $10,747,500 | 4,823 |
| Average total loans | $81,603,000 | 3,968 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7923% | 5,839 |
| Cost of funding earning assets | 0.3095% | 6,405 |
| Net interest margin | 3.4828% | 4,576 |
| Noninterest income to average assets | 0.4233% | 4,431 |
| Noninterest expense to average assets | 2.5546% | 4,919 |
| Loan and lease loss provision to assets | 0.1239% | 4,068 |
| Net operating income to assets | 0.6478% | 3,997 |
| Return on assets (ROA) | 0.6478% | 4,259 |
| Pretax return on assets | 1.0165% | 3,491 |
| Return on Equity (ROE) | 8.6939% | 2,792 |
| Retained earnings to average equity (ytd only) | 8.6939% | 914 |
| Net charge-offs to loans | -0.0205% | 6,555 |
| Credit loss provision to net charge-offs | -1,062.5000% | 6,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1382% | 3,949 |
| Assets per employee ($millions) | 3.9514% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 5,131 |
| Loan loss allowance to noncurrent loans | 774.8092% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 6,354 |
| Noncurrent loans to loans | 0.1544% | 6,095 |
| Net loans and leases to total assets | 60.6119% | 3,493 |
| Net loans and leases to deposits | 65.9603% | 4,297 |
| Net loans and leases to core deposits | 69.0691% | 4,426 |
| Total domestic deposits to total assets | 91.8914% | 266 |
| Equity capital to assets | 7.7008% | 6,554 |
| Core capital (leverage) ratio | 7.2400% | 6,619 |
| Tier 1 risk-based capital ratio | 11.0749% | 6,318 |
| Total risk-based capital ratio | 12.1664% | 6,346 |
| Memoranda: | ||
| Average total assets | $137,240,200 | 4,001 |
| Average earning assets | $128,920,400 | 3,926 |
| Average equity | $10,225,600 | 4,930 |
| Average total loans | $78,100,400 | 4,090 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7306% | 6,169 |
| Cost of funding earning assets | 0.3167% | 6,530 |
| Net interest margin | 3.4139% | 4,986 |
| Noninterest income to average assets | 0.4186% | 4,491 |
| Noninterest expense to average assets | 2.4315% | 5,302 |
| Loan and lease loss provision to assets | 0.1071% | 4,228 |
| Net operating income to assets | 0.6823% | 3,993 |
| Return on assets (ROA) | 0.6823% | 4,255 |
| Pretax return on assets | 1.1009% | 3,346 |
| Return on Equity (ROE) | 9.2360% | 2,700 |
| Retained earnings to average equity (ytd only) | 9.2360% | 1,145 |
| Net charge-offs to loans | -0.0157% | 6,447 |
| Credit loss provision to net charge-offs | -1,222.2222% | 6,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8093% | 4,287 |
| Assets per employee ($millions) | 4.0990% | 3,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1672% | 5,445 |
| Loan loss allowance to noncurrent loans | 869.7248% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0760% | 6,550 |
| Noncurrent loans to loans | 0.1342% | 6,263 |
| Net loans and leases to total assets | 55.9540% | 4,461 |
| Net loans and leases to deposits | 60.6829% | 5,126 |
| Net loans and leases to core deposits | 63.3009% | 5,230 |
| Total domestic deposits to total assets | 92.2072% | 186 |
| Equity capital to assets | 7.3146% | 6,814 |
| Core capital (leverage) ratio | 7.3379% | 6,700 |
| Tier 1 risk-based capital ratio | 11.6464% | 6,148 |
| Total risk-based capital ratio | 12.7385% | 6,204 |
| Memoranda: | ||
| Average total assets | $136,975,750 | 4,043 |
| Average earning assets | $129,234,500 | 3,956 |
| Average equity | $10,119,500 | 5,000 |
| Average total loans | $76,415,500 | 4,188 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7574% | 6,235 |
| Cost of funding earning assets | 0.3301% | 6,601 |
| Net interest margin | 3.4273% | 4,984 |
| Noninterest income to average assets | 0.3917% | 4,717 |
| Noninterest expense to average assets | 2.4167% | 5,393 |
| Loan and lease loss provision to assets | 0.0964% | 4,332 |
| Net operating income to assets | 0.6913% | 3,910 |
| Return on assets (ROA) | 0.6913% | 4,176 |
| Pretax return on assets | 1.1127% | 3,262 |
| Return on Equity (ROE) | 9.3250% | 2,661 |
| Retained earnings to average equity (ytd only) | 9.3250% | 1,167 |
| Net charge-offs to loans | -0.0134% | 6,342 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6530% | 4,394 |
| Assets per employee ($millions) | 3.9656% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 5,529 |
| Loan loss allowance to noncurrent loans | 840.1869% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 6,462 |
| Noncurrent loans to loans | 0.1380% | 6,313 |
| Net loans and leases to total assets | 55.2174% | 4,592 |
| Net loans and leases to deposits | 59.8794% | 5,247 |
| Net loans and leases to core deposits | 63.0732% | 5,292 |
| Total domestic deposits to total assets | 92.2144% | 198 |
| Equity capital to assets | 7.3706% | 6,829 |
| Core capital (leverage) ratio | 7.4297% | 6,652 |
| Tier 1 risk-based capital ratio | 11.9875% | 5,946 |
| Total risk-based capital ratio | 13.0793% | 6,009 |
| Memoranda: | ||
| Average total assets | $134,812,330 | 4,104 |
| Average earning assets | $127,215,670 | 4,012 |
| Average equity | $9,994,670 | 5,033 |
| Average total loans | $74,813,000 | 4,258 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7580% | 6,327 |
| Cost of funding earning assets | 0.3390% | 6,685 |
| Net interest margin | 3.4190% | 5,034 |
| Noninterest income to average assets | 0.3795% | 4,827 |
| Noninterest expense to average assets | 2.4093% | 5,441 |
| Loan and lease loss provision to assets | 0.0753% | 4,456 |
| Net operating income to assets | 0.6987% | 3,888 |
| Return on assets (ROA) | 0.6987% | 4,104 |
| Pretax return on assets | 1.1143% | 3,272 |
| Return on Equity (ROE) | 9.3956% | 2,641 |
| Retained earnings to average equity (ytd only) | 9.3956% | 1,442 |
| Net charge-offs to loans | -0.0272% | 6,301 |
| Credit loss provision to net charge-offs | -500.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9456% | 4,366 |
| Assets per employee ($millions) | 3.8603% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 5,659 |
| Loan loss allowance to noncurrent loans | 77.3177% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 0.8778% | 4,773 |
| Noncurrent loans to loans | 1.5061% | 3,861 |
| Net loans and leases to total assets | 53.9623% | 4,728 |
| Net loans and leases to deposits | 58.5036% | 5,324 |
| Net loans and leases to core deposits | 61.7099% | 5,356 |
| Total domestic deposits to total assets | 92.2375% | 222 |
| Equity capital to assets | 7.4035% | 6,817 |
| Core capital (leverage) ratio | 7.3576% | 6,708 |
| Tier 1 risk-based capital ratio | 12.4378% | 5,655 |
| Total risk-based capital ratio | 13.5458% | 5,723 |
| Memoranda: | ||
| Average total assets | $132,821,000 | 4,166 |
| Average earning assets | $125,066,500 | 4,084 |
| Average equity | $9,877,000 | 5,070 |
| Average total loans | $73,450,500 | 4,334 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0630% | 6,334 |
| Cost of funding earning assets | 0.4294% | 6,799 |
| Net interest margin | 3.6336% | 4,600 |
| Noninterest income to average assets | 0.4500% | 4,211 |
| Noninterest expense to average assets | 2.8628% | 4,118 |
| Loan and lease loss provision to assets | 0.0920% | 5,444 |
| Net operating income to assets | 0.5737% | 4,123 |
| Return on assets (ROA) | 0.5737% | 4,310 |
| Pretax return on assets | 0.8849% | 3,662 |
| Return on Equity (ROE) | 7.3002% | 3,244 |
| Retained earnings to average equity (ytd only) | 7.3002% | 1,360 |
| Net charge-offs to loans | 0.0329% | 5,988 |
| Credit loss provision to net charge-offs | 500.0000% | 453 |
| Earnings coverage of net charge-offs (x) | 53.0909% | 529 |
| Efficiency ratio | 74.5589% | 3,136 |
| Assets per employee ($millions) | 3.8391% | 4,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 5,688 |
| Loan loss allowance to noncurrent loans | 614.0741% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 6,545 |
| Noncurrent loans to loans | 0.1846% | 6,377 |
| Net loans and leases to total assets | 55.3922% | 4,812 |
| Net loans and leases to deposits | 60.0382% | 5,478 |
| Net loans and leases to core deposits | 63.7984% | 5,486 |
| Total domestic deposits to total assets | 92.2616% | 204 |
| Equity capital to assets | 7.4703% | 6,822 |
| Core capital (leverage) ratio | 7.1721% | 6,803 |
| Tier 1 risk-based capital ratio | 11.2702% | 6,307 |
| Total risk-based capital ratio | 12.2631% | 6,433 |
| Memoranda: | ||
| Average total assets | $119,566,600 | 4,412 |
| Average earning assets | $111,542,800 | 4,353 |
| Average equity | $9,397,000 | 5,179 |
| Average total loans | $66,970,400 | 4,598 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0731% | 6,466 |
| Cost of funding earning assets | 0.4447% | 6,897 |
| Net interest margin | 3.6284% | 4,662 |
| Noninterest income to average assets | 0.4736% | 4,095 |
| Noninterest expense to average assets | 2.7813% | 4,411 |
| Loan and lease loss provision to assets | 0.0970% | 5,246 |
| Net operating income to assets | 0.5684% | 4,230 |
| Return on assets (ROA) | 0.5684% | 4,403 |
| Pretax return on assets | 0.9758% | 3,493 |
| Return on Equity (ROE) | 7.1331% | 3,464 |
| Retained earnings to average equity (ytd only) | 7.1331% | 1,897 |
| Net charge-offs to loans | 0.0530% | 5,443 |
| Credit loss provision to net charge-offs | 326.9231% | 858 |
| Earnings coverage of net charge-offs (x) | 36.1494% | 826 |
| Efficiency ratio | 72.1646% | 3,519 |
| Assets per employee ($millions) | 3.7469% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 5,898 |
| Loan loss allowance to noncurrent loans | 1,066.6667% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.1144% | 6,767 |
| Noncurrent loans to loans | 0.1030% | 6,671 |
| Net loans and leases to total assets | 54.9176% | 5,009 |
| Net loans and leases to deposits | 59.4686% | 5,693 |
| Net loans and leases to core deposits | 63.7864% | 5,639 |
| Total domestic deposits to total assets | 92.3472% | 175 |
| Equity capital to assets | 7.2837% | 6,995 |
| Core capital (leverage) ratio | 7.4485% | 6,787 |
| Tier 1 risk-based capital ratio | 11.1969% | 6,433 |
| Total risk-based capital ratio | 12.1683% | 6,569 |
| Memoranda: | ||
| Average total assets | $116,825,500 | 4,511 |
| Average earning assets | $108,842,250 | 4,460 |
| Average equity | $9,308,500 | 5,231 |
| Average total loans | $65,429,750 | 4,699 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1293% | 6,423 |
| Cost of funding earning assets | 0.4744% | 6,934 |
| Net interest margin | 3.6549% | 4,495 |
| Noninterest income to average assets | 0.4587% | 4,210 |
| Noninterest expense to average assets | 2.8594% | 4,191 |
| Loan and lease loss provision to assets | 0.0625% | 5,522 |
| Net operating income to assets | 0.5587% | 4,270 |
| Return on assets (ROA) | 0.5587% | 4,393 |
| Pretax return on assets | 0.9335% | 3,494 |
| Return on Equity (ROE) | 6.7842% | 3,536 |
| Retained earnings to average equity (ytd only) | 6.7842% | 1,974 |
| Net charge-offs to loans | 0.0603% | 5,048 |
| Credit loss provision to net charge-offs | 184.2105% | 1,639 |
| Earnings coverage of net charge-offs (x) | 29.3684% | 938 |
| Efficiency ratio | 74.1667% | 3,338 |
| Assets per employee ($millions) | 3.4114% | 5,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 6,019 |
| Loan loss allowance to noncurrent loans | 780.4124% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.1569% | 6,701 |
| Noncurrent loans to loans | 0.1389% | 6,629 |
| Net loans and leases to total assets | 59.5398% | 4,364 |
| Net loans and leases to deposits | 65.0432% | 5,143 |
| Net loans and leases to core deposits | 70.5403% | 5,008 |
| Total domestic deposits to total assets | 91.5388% | 332 |
| Equity capital to assets | 8.0939% | 6,604 |
| Core capital (leverage) ratio | 7.9499% | 6,357 |
| Tier 1 risk-based capital ratio | 12.0589% | 5,741 |
| Total risk-based capital ratio | 13.0692% | 5,908 |
| Memoranda: | ||
| Average total assets | $112,053,330 | 4,657 |
| Average earning assets | $104,134,670 | 4,601 |
| Average equity | $9,227,330 | 5,257 |
| Average total loans | $62,966,330 | 4,832 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9766% | 6,733 |
| Cost of funding earning assets | 0.4922% | 6,995 |
| Net interest margin | 3.4844% | 5,080 |
| Noninterest income to average assets | 0.4070% | 4,655 |
| Noninterest expense to average assets | 2.7433% | 4,665 |
| Loan and lease loss provision to assets | 0.0545% | 5,325 |
| Net operating income to assets | 0.5196% | 4,406 |
| Return on assets (ROA) | 0.5196% | 4,492 |
| Pretax return on assets | 0.8502% | 3,706 |
| Return on Equity (ROE) | 6.2534% | 3,753 |
| Retained earnings to average equity (ytd only) | 6.2534% | 2,494 |
| Net charge-offs to loans | -0.0067% | 6,283 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1992% | 3,300 |
| Assets per employee ($millions) | 3.4096% | 5,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 5,588 |
| Loan loss allowance to noncurrent loans | 394.2708% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.2577% | 6,538 |
| Noncurrent loans to loans | 0.3067% | 6,373 |
| Net loans and leases to total assets | 54.9601% | 5,164 |
| Net loans and leases to deposits | 60.1439% | 5,716 |
| Net loans and leases to core deposits | 65.2224% | 5,601 |
| Total domestic deposits to total assets | 91.3809% | 453 |
| Equity capital to assets | 8.1845% | 6,302 |
| Core capital (leverage) ratio | 7.9848% | 6,273 |
| Tier 1 risk-based capital ratio | 12.9681% | 4,851 |
| Total risk-based capital ratio | 14.0755% | 4,936 |
| Memoranda: | ||
| Average total assets | $110,086,000 | 4,732 |
| Average earning assets | $102,399,000 | 4,674 |
| Average equity | $9,147,000 | 5,275 |
| Average total loans | $59,541,500 | 5,022 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0898% | 7,057 |
| Cost of funding earning assets | 0.6003% | 7,129 |
| Net interest margin | 3.4895% | 5,282 |
| Noninterest income to average assets | 0.4784% | 4,326 |
| Noninterest expense to average assets | 2.7758% | 4,688 |
| Loan and lease loss provision to assets | 0.0568% | 6,570 |
| Net operating income to assets | 0.5779% | 3,768 |
| Return on assets (ROA) | 0.5779% | 3,929 |
| Pretax return on assets | 0.8896% | 3,337 |
| Return on Equity (ROE) | 6.8964% | 3,169 |
| Retained earnings to average equity (ytd only) | 6.8964% | 1,367 |
| Net charge-offs to loans | 0.0482% | 6,316 |
| Credit loss provision to net charge-offs | 240.0000% | 1,202 |
| Earnings coverage of net charge-offs (x) | 39.9600% | 584 |
| Efficiency ratio | 74.5737% | 3,283 |
| Assets per employee ($millions) | 3.5885% | 4,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 4,943 |
| Loan loss allowance to noncurrent loans | 521.8310% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 6,677 |
| Noncurrent loans to loans | 0.2514% | 6,562 |
| Net loans and leases to total assets | 51.7816% | 5,945 |
| Net loans and leases to deposits | 56.8478% | 6,369 |
| Net loans and leases to core deposits | 56.8478% | 6,641 |
| Total domestic deposits to total assets | 91.0881% | 560 |
| Equity capital to assets | 8.4391% | 5,939 |
| Core capital (leverage) ratio | 7.8597% | 6,370 |
| Tier 1 risk-based capital ratio | 14.0481% | 3,838 |
| Total risk-based capital ratio | 15.2413% | 3,842 |
| Memoranda: | ||
| Average total assets | $105,555,000 | 4,836 |
| Average earning assets | $98,121,800 | 4,767 |
| Average equity | $8,845,200 | 5,467 |
| Average total loans | $51,855,400 | 5,410 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1007% | 7,201 |
| Cost of funding earning assets | 0.6143% | 7,261 |
| Net interest margin | 3.4864% | 5,355 |
| Noninterest income to average assets | 0.4481% | 4,577 |
| Noninterest expense to average assets | 2.5808% | 5,401 |
| Loan and lease loss provision to assets | 0.0571% | 6,497 |
| Net operating income to assets | 0.6461% | 3,666 |
| Return on assets (ROA) | 0.6461% | 3,833 |
| Pretax return on assets | 1.0524% | 2,988 |
| Return on Equity (ROE) | 7.7249% | 3,012 |
| Retained earnings to average equity (ytd only) | 7.7249% | 1,506 |
| Net charge-offs to loans | 0.0657% | 5,856 |
| Credit loss provision to net charge-offs | 180.0000% | 2,032 |
| Earnings coverage of net charge-offs (x) | 34.9625% | 772 |
| Efficiency ratio | 69.9346% | 4,079 |
| Assets per employee ($millions) | 3.8991% | 4,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 4,651 |
| Loan loss allowance to noncurrent loans | 327.0270% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 6,631 |
| Noncurrent loans to loans | 0.4168% | 6,368 |
| Net loans and leases to total assets | 46.4656% | 6,656 |
| Net loans and leases to deposits | 51.7758% | 6,896 |
| Net loans and leases to core deposits | 51.7758% | 7,058 |
| Total domestic deposits to total assets | 89.7438% | 1,001 |
| Equity capital to assets | 7.9922% | 6,808 |
| Core capital (leverage) ratio | 8.2912% | 5,886 |
| Tier 1 risk-based capital ratio | 13.8167% | 3,966 |
| Total risk-based capital ratio | 14.9799% | 3,991 |
| Memoranda: | ||
| Average total assets | $105,030,250 | 4,908 |
| Average earning assets | $97,672,750 | 4,848 |
| Average equity | $8,785,250 | 5,556 |
| Average total loans | $50,697,750 | 5,542 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2899% | 7,066 |
| Cost of funding earning assets | 0.6420% | 7,316 |
| Net interest margin | 3.6479% | 4,591 |
| Noninterest income to average assets | 0.4279% | 4,693 |
| Noninterest expense to average assets | 2.6263% | 5,219 |
| Loan and lease loss provision to assets | 0.0586% | 6,371 |
| Net operating income to assets | 0.6976% | 3,416 |
| Return on assets (ROA) | 0.6976% | 3,571 |
| Pretax return on assets | 1.1295% | 2,673 |
| Return on Equity (ROE) | 8.2056% | 2,805 |
| Retained earnings to average equity (ytd only) | 8.2056% | 1,373 |
| Net charge-offs to loans | 0.1164% | 5,011 |
| Credit loss provision to net charge-offs | 103.4483% | 3,942 |
| Earnings coverage of net charge-offs (x) | 20.9655% | 1,187 |
| Efficiency ratio | 68.8525% | 4,414 |
| Assets per employee ($millions) | 3.3960% | 5,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 4,556 |
| Loan loss allowance to noncurrent loans | 158.1655% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.5497% | 6,097 |
| Noncurrent loans to loans | 0.8691% | 5,532 |
| Net loans and leases to total assets | 49.7890% | 6,456 |
| Net loans and leases to deposits | 55.7761% | 6,746 |
| Net loans and leases to core deposits | 55.7761% | 6,951 |
| Total domestic deposits to total assets | 89.2658% | 1,301 |
| Equity capital to assets | 8.7279% | 5,845 |
| Core capital (leverage) ratio | 8.3511% | 5,666 |
| Tier 1 risk-based capital ratio | 13.4841% | 4,079 |
| Total risk-based capital ratio | 14.6095% | 4,128 |
| Memoranda: | ||
| Average total assets | $102,349,330 | 5,009 |
| Average earning assets | $95,013,330 | 4,958 |
| Average equity | $8,701,330 | 5,585 |
| Average total loans | $49,841,670 | 5,613 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2026% | 7,261 |
| Cost of funding earning assets | 0.6556% | 7,421 |
| Net interest margin | 3.5470% | 4,958 |
| Noninterest income to average assets | 0.3158% | 5,624 |
| Noninterest expense to average assets | 2.6203% | 5,264 |
| Loan and lease loss provision to assets | 0.0585% | 6,061 |
| Net operating income to assets | 0.5888% | 3,942 |
| Return on assets (ROA) | 0.5888% | 4,087 |
| Pretax return on assets | 0.9280% | 3,354 |
| Return on Equity (ROE) | 7.0184% | 3,329 |
| Retained earnings to average equity (ytd only) | 7.0184% | 2,124 |
| Net charge-offs to loans | 0.1713% | 3,895 |
| Credit loss provision to net charge-offs | 71.4286% | 4,068 |
| Earnings coverage of net charge-offs (x) | 12.0476% | 1,593 |
| Efficiency ratio | 72.6486% | 3,816 |
| Assets per employee ($millions) | 3.6774% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 4,203 |
| Loan loss allowance to noncurrent loans | 156.9507% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.5711% | 6,070 |
| Noncurrent loans to loans | 0.9181% | 5,482 |
| Net loans and leases to total assets | 46.5013% | 6,795 |
| Net loans and leases to deposits | 52.0304% | 7,038 |
| Net loans and leases to core deposits | 56.9409% | 6,937 |
| Total domestic deposits to total assets | 89.3733% | 1,317 |
| Equity capital to assets | 8.4095% | 6,153 |
| Core capital (leverage) ratio | 8.0691% | 6,133 |
| Tier 1 risk-based capital ratio | 13.9133% | 3,714 |
| Total risk-based capital ratio | 15.0914% | 3,729 |
| Memoranda: | ||
| Average total assets | $102,584,000 | 5,073 |
| Average earning assets | $95,178,500 | 5,013 |
| Average equity | $8,606,000 | 5,659 |
| Average total loans | $49,046,500 | 5,711 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7914% | 6,965 |
| Cost of funding earning assets | 0.9538% | 7,298 |
| Net interest margin | 3.8376% | 3,538 |
| Noninterest income to average assets | 0.3173% | 5,814 |
| Noninterest expense to average assets | 2.7837% | 5,036 |
| Loan and lease loss provision to assets | 0.2095% | 5,666 |
| Net operating income to assets | 0.5524% | 3,515 |
| Return on assets (ROA) | 0.5524% | 3,604 |
| Pretax return on assets | 0.8522% | 3,080 |
| Return on Equity (ROE) | 6.4657% | 3,007 |
| Retained earnings to average equity (ytd only) | 6.4657% | 1,164 |
| Net charge-offs to loans | 0.0535% | 6,565 |
| Credit loss provision to net charge-offs | 784.6154% | 375 |
| Earnings coverage of net charge-offs (x) | 39.7692% | 603 |
| Efficiency ratio | 72.3899% | 4,200 |
| Assets per employee ($millions) | 3.6500% | 4,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4259% | 4,096 |
| Loan loss allowance to noncurrent loans | 151.5021% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.5802% | 6,006 |
| Noncurrent loans to loans | 0.9412% | 5,432 |
| Net loans and leases to total assets | 47.7549% | 6,826 |
| Net loans and leases to deposits | 53.8133% | 7,061 |
| Net loans and leases to core deposits | 65.1494% | 7,027 |
| Total domestic deposits to total assets | 88.7418% | 1,605 |
| Equity capital to assets | 8.3688% | 6,103 |
| Core capital (leverage) ratio | 7.9217% | 6,301 |
| Tier 1 risk-based capital ratio | 13.6720% | 3,704 |
| Total risk-based capital ratio | 14.8614% | 3,687 |
| Memoranda: | ||
| Average total assets | $97,389,400 | 5,152 |
| Average earning assets | $89,535,200 | 5,136 |
| Average equity | $8,320,800 | 5,829 |
| Average total loans | $48,592,600 | 5,735 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8967% | 6,896 |
| Cost of funding earning assets | 1.0234% | 7,337 |
| Net interest margin | 3.8733% | 3,332 |
| Noninterest income to average assets | 0.3174% | 5,939 |
| Noninterest expense to average assets | 2.6614% | 5,488 |
| Loan and lease loss provision to assets | 0.2121% | 5,288 |
| Net operating income to assets | 0.6543% | 3,384 |
| Return on assets (ROA) | 0.6543% | 3,447 |
| Pretax return on assets | 1.0008% | 2,900 |
| Return on Equity (ROE) | 7.6164% | 2,809 |
| Retained earnings to average equity (ytd only) | 7.6164% | 1,258 |
| Net charge-offs to loans | 0.0772% | 5,907 |
| Credit loss provision to net charge-offs | 546.4286% | 719 |
| Earnings coverage of net charge-offs (x) | 31.2521% | 909 |
| Efficiency ratio | 68.6941% | 4,845 |
| Assets per employee ($millions) | 3.5515% | 4,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 4,424 |
| Loan loss allowance to noncurrent loans | 373.1429% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 6,729 |
| Noncurrent loans to loans | 0.3516% | 6,651 |
| Net loans and leases to total assets | 49.3886% | 6,832 |
| Net loans and leases to deposits | 58.0978% | 6,956 |
| Net loans and leases to core deposits | 71.7869% | 6,863 |
| Total domestic deposits to total assets | 85.0094% | 3,231 |
| Equity capital to assets | 8.5748% | 6,144 |
| Core capital (leverage) ratio | 8.2269% | 5,969 |
| Tier 1 risk-based capital ratio | 13.8884% | 3,614 |
| Total risk-based capital ratio | 15.0151% | 3,628 |
| Memoranda: | ||
| Average total assets | $96,186,500 | 5,238 |
| Average earning assets | $88,329,750 | 5,223 |
| Average equity | $8,262,750 | 5,896 |
| Average total loans | $48,362,750 | 5,786 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9641% | 6,886 |
| Cost of funding earning assets | 1.0955% | 7,385 |
| Net interest margin | 3.8686% | 3,256 |
| Noninterest income to average assets | 0.3112% | 6,018 |
| Noninterest expense to average assets | 2.6204% | 5,657 |
| Loan and lease loss provision to assets | 0.2145% | 4,900 |
| Net operating income to assets | 0.6835% | 3,325 |
| Return on assets (ROA) | 0.6835% | 3,443 |
| Pretax return on assets | 1.0116% | 2,964 |
| Return on Equity (ROE) | 7.9514% | 2,795 |
| Retained earnings to average equity (ytd only) | 7.9514% | 1,228 |
| Net charge-offs to loans | 0.1086% | 5,073 |
| Credit loss provision to net charge-offs | 392.3077% | 1,185 |
| Earnings coverage of net charge-offs (x) | 22.4231% | 1,222 |
| Efficiency ratio | 68.1247% | 5,136 |
| Assets per employee ($millions) | 3.4152% | 5,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 4,667 |
| Loan loss allowance to noncurrent loans | 316.2304% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 6,627 |
| Noncurrent loans to loans | 0.3923% | 6,530 |
| Net loans and leases to total assets | 50.2792% | 6,845 |
| Net loans and leases to deposits | 58.0831% | 7,021 |
| Net loans and leases to core deposits | 72.5736% | 6,863 |
| Total domestic deposits to total assets | 86.5643% | 2,476 |
| Equity capital to assets | 8.7842% | 5,619 |
| Core capital (leverage) ratio | 8.5681% | 5,317 |
| Tier 1 risk-based capital ratio | 13.9878% | 3,522 |
| Total risk-based capital ratio | 15.0570% | 3,566 |
| Memoranda: | ||
| Average total assets | $95,101,330 | 5,308 |
| Average earning assets | $86,904,670 | 5,304 |
| Average equity | $8,174,670 | 5,961 |
| Average total loans | $47,895,000 | 5,854 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0582% | 6,770 |
| Cost of funding earning assets | 1.1730% | 7,359 |
| Net interest margin | 3.8853% | 3,110 |
| Noninterest income to average assets | 0.3037% | 6,010 |
| Noninterest expense to average assets | 2.5222% | 5,755 |
| Loan and lease loss provision to assets | 0.2151% | 4,295 |
| Net operating income to assets | 0.7212% | 3,458 |
| Return on assets (ROA) | 0.7212% | 3,654 |
| Pretax return on assets | 1.1008% | 2,984 |
| Return on Equity (ROE) | 8.4842% | 2,932 |
| Retained earnings to average equity (ytd only) | 8.4842% | 1,638 |
| Net charge-offs to loans | 0.0758% | 4,421 |
| Credit loss provision to net charge-offs | 566.6667% | 992 |
| Earnings coverage of net charge-offs (x) | 34.6667% | 952 |
| Efficiency ratio | 65.7143% | 5,382 |
| Assets per employee ($millions) | 3.5539% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 4,729 |
| Loan loss allowance to noncurrent loans | 296.8750% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.3335% | 6,513 |
| Noncurrent loans to loans | 0.4080% | 6,398 |
| Net loans and leases to total assets | 48.4529% | 6,988 |
| Net loans and leases to deposits | 54.8512% | 7,232 |
| Net loans and leases to core deposits | 68.7614% | 7,098 |
| Total domestic deposits to total assets | 88.3352% | 1,560 |
| Equity capital to assets | 8.5759% | 5,947 |
| Core capital (leverage) ratio | 8.4334% | 5,653 |
| Tier 1 risk-based capital ratio | 13.8091% | 3,693 |
| Total risk-based capital ratio | 14.8250% | 3,742 |
| Memoranda: | ||
| Average total assets | $94,839,000 | 5,338 |
| Average earning assets | $86,275,000 | 5,343 |
| Average equity | $8,062,000 | 6,037 |
| Average total loans | $47,500,500 | 5,890 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0455% | 5,324 |
| Cost of funding earning assets | 1.9111% | 6,698 |
| Net interest margin | 4.1344% | 2,564 |
| Noninterest income to average assets | 0.3641% | 5,802 |
| Noninterest expense to average assets | 2.9273% | 4,349 |
| Loan and lease loss provision to assets | 0.2570% | 4,345 |
| Net operating income to assets | 0.6426% | 4,133 |
| Return on assets (ROA) | 0.6426% | 3,987 |
| Pretax return on assets | 0.9305% | 3,615 |
| Return on Equity (ROE) | 6.8285% | 3,610 |
| Retained earnings to average equity (ytd only) | -2.1497% | 5,914 |
| Net charge-offs to loans | 0.2802% | 3,530 |
| Credit loss provision to net charge-offs | 164.8855% | 3,124 |
| Earnings coverage of net charge-offs (x) | 7.6183% | 3,067 |
| Efficiency ratio | 71.1394% | 4,098 |
| Assets per employee ($millions) | 3.4712% | 4,748 |
| Cash dividends to net income (ytd only)* | 131.4815% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 5,307 |
| Loan loss allowance to noncurrent loans | 274.4792% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.3414% | 6,234 |
| Noncurrent loans to loans | 0.4005% | 6,150 |
| Net loans and leases to total assets | 50.5863% | 6,978 |
| Net loans and leases to deposits | 56.0851% | 7,314 |
| Net loans and leases to core deposits | 69.3316% | 7,226 |
| Total domestic deposits to total assets | 90.1956% | 577 |
| Equity capital to assets | 8.4238% | 6,216 |
| Core capital (leverage) ratio | 8.2473% | 6,061 |
| Tier 1 risk-based capital ratio | 13.3231% | 3,916 |
| Total risk-based capital ratio | 14.2498% | 4,027 |
| Memoranda: | ||
| Average total assets | $84,036,400 | 5,563 |
| Average earning assets | $76,238,000 | 5,578 |
| Average equity | $7,908,000 | 6,122 |
| Average total loans | $46,757,800 | 5,834 |