Home > Community Guaranty Savings Bank > Performance and Condition Ratios
Community Guaranty Savings Bank, Performance and Condition Ratios
| 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 | 3.9325% | 3,459 |
| Cost of funding earning assets | 0.3814% | 3,282 |
| Net interest margin | 3.5511% | 3,274 |
| Noninterest income to average assets | 0.5106% | 3,046 |
| Noninterest expense to average assets | 3.3190% | 1,557 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2949% | 5,322 |
| Return on assets (ROA) | 0.2949% | 5,399 |
| Pretax return on assets | 0.3057% | 5,499 |
| Return on Equity (ROE) | 3.3437% | 5,114 |
| Retained earnings to average equity (ytd only) | -10.9282% | 5,833 |
| Net charge-offs to loans | 0.1908% | 1,026 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.6563% | 2,651 |
| Efficiency ratio | 91.5675% | 578 |
| Assets per employee ($millions) | 3.7618% | 4,372 |
| Cash dividends to net income (ytd only)* | 426.8293% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 4,482 |
| Loan loss allowance to noncurrent loans | 101.3413% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.2521% | 1,737 |
| Noncurrent loans to loans | 1.0088% | 2,364 |
| Net loans and leases to total assets | 60.3494% | 3,723 |
| Net loans and leases to deposits | 68.1239% | 4,046 |
| Net loans and leases to core deposits | 69.9300% | 4,248 |
| Total domestic deposits to total assets | 88.5877% | 1,311 |
| Equity capital to assets | 8.9712% | 5,197 |
| Core capital (leverage) ratio | 8.5778% | 5,315 |
| Tier 1 risk-based capital ratio | 13.4310% | 4,022 |
| Total risk-based capital ratio | 14.4149% | 4,084 |
| Memoranda: | ||
| Average total assets | $111,237,500 | 4,241 |
| Average earning assets | $97,546,500 | 4,348 |
| Average equity | $9,809,500 | 4,704 |
| Average total loans | $67,102,500 | 4,187 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9997% | 3,306 |
| Cost of funding earning assets | 0.4550% | 2,577 |
| Net interest margin | 3.5448% | 3,353 |
| Noninterest income to average assets | 0.6418% | 2,505 |
| Noninterest expense to average assets | 3.3178% | 1,685 |
| Loan and lease loss provision to assets | 0.1473% | 1,597 |
| Net operating income to assets | 0.3124% | 5,325 |
| Return on assets (ROA) | 0.3133% | 5,405 |
| Pretax return on assets | 0.3142% | 5,496 |
| Return on Equity (ROE) | 3.5577% | 5,125 |
| Retained earnings to average equity (ytd only) | 0.3142% | 5,386 |
| Net charge-offs to loans | 0.2103% | 1,398 |
| Credit loss provision to net charge-offs | 115.3846% | 2,212 |
| Earnings coverage of net charge-offs (x) | 3.6084% | 3,697 |
| Efficiency ratio | 87.8101% | 846 |
| Assets per employee ($millions) | 3.7794% | 4,322 |
| Cash dividends to net income (ytd only)* | 91.1681% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 4,301 |
| Loan loss allowance to noncurrent loans | 87.1481% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.3335% | 1,588 |
| Noncurrent loans to loans | 1.2070% | 1,954 |
| Net loans and leases to total assets | 59.0711% | 3,959 |
| Net loans and leases to deposits | 66.6355% | 4,256 |
| Net loans and leases to core deposits | 68.3296% | 4,421 |
| Total domestic deposits to total assets | 88.6481% | 1,310 |
| Equity capital to assets | 8.6716% | 5,410 |
| Core capital (leverage) ratio | 8.4912% | 5,444 |
| Tier 1 risk-based capital ratio | 13.6541% | 3,911 |
| Total risk-based capital ratio | 14.6716% | 3,987 |
| Memoranda: | ||
| Average total assets | $112,030,400 | 4,222 |
| Average earning assets | $99,131,400 | 4,313 |
| Average equity | $9,866,000 | 4,676 |
| Average total loans | $67,985,600 | 4,141 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9775% | 3,423 |
| Cost of funding earning assets | 0.4634% | 2,547 |
| Net interest margin | 3.5141% | 3,486 |
| Noninterest income to average assets | 0.6446% | 2,506 |
| Noninterest expense to average assets | 3.3269% | 1,630 |
| Loan and lease loss provision to assets | 0.1433% | 1,538 |
| Net operating income to assets | 0.3020% | 5,444 |
| Return on assets (ROA) | 0.3032% | 5,525 |
| Pretax return on assets | 0.2984% | 5,641 |
| Return on Equity (ROE) | 3.4296% | 5,238 |
| Retained earnings to average equity (ytd only) | 1.8093% | 4,976 |
| Net charge-offs to loans | 0.2841% | 939 |
| Credit loss provision to net charge-offs | 82.7586% | 2,571 |
| Earnings coverage of net charge-offs (x) | 2.5448% | 3,651 |
| Efficiency ratio | 88.3080% | 816 |
| Assets per employee ($millions) | 3.8359% | 4,197 |
| Cash dividends to net income (ytd only)* | 47.2450% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 4,899 |
| Loan loss allowance to noncurrent loans | 90.3664% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 1.2444% | 1,886 |
| Noncurrent loans to loans | 1.0724% | 2,338 |
| Net loans and leases to total assets | 59.1399% | 3,993 |
| Net loans and leases to deposits | 66.7736% | 4,300 |
| Net loans and leases to core deposits | 68.4444% | 4,506 |
| Total domestic deposits to total assets | 88.5678% | 1,264 |
| Equity capital to assets | 8.7071% | 5,571 |
| Core capital (leverage) ratio | 8.6548% | 5,405 |
| Tier 1 risk-based capital ratio | 13.5229% | 4,130 |
| Total risk-based capital ratio | 14.4603% | 4,239 |
| Memoranda: | ||
| Average total assets | $111,692,500 | 4,271 |
| Average earning assets | $99,255,750 | 4,355 |
| Average equity | $9,874,500 | 4,735 |
| Average total loans | $68,060,000 | 4,177 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9773% | 3,382 |
| Cost of funding earning assets | 0.4704% | 2,515 |
| Net interest margin | 3.5069% | 3,468 |
| Noninterest income to average assets | 0.6476% | 2,487 |
| Noninterest expense to average assets | 3.3718% | 1,531 |
| Loan and lease loss provision to assets | 0.1628% | 1,303 |
| Net operating income to assets | 0.2786% | 5,506 |
| Return on assets (ROA) | 0.2804% | 5,583 |
| Pretax return on assets | 0.2569% | 5,729 |
| Return on Equity (ROE) | 3.1549% | 5,358 |
| Retained earnings to average equity (ytd only) | 1.9336% | 4,731 |
| Net charge-offs to loans | 0.4068% | 639 |
| Credit loss provision to net charge-offs | 65.2174% | 2,534 |
| Earnings coverage of net charge-offs (x) | 1.6739% | 3,471 |
| Efficiency ratio | 88.9737% | 828 |
| Assets per employee ($millions) | 3.7570% | 4,317 |
| Cash dividends to net income (ytd only)* | 38.7097% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 5,152 |
| Loan loss allowance to noncurrent loans | 117.3675% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 1.2208% | 2,071 |
| Noncurrent loans to loans | 0.7999% | 3,117 |
| Net loans and leases to total assets | 60.1011% | 3,825 |
| Net loans and leases to deposits | 67.8336% | 4,151 |
| Net loans and leases to core deposits | 69.5633% | 4,360 |
| Total domestic deposits to total assets | 88.6008% | 1,359 |
| Equity capital to assets | 8.6585% | 5,558 |
| Core capital (leverage) ratio | 8.8440% | 5,167 |
| Tier 1 risk-based capital ratio | 13.1267% | 4,440 |
| Total risk-based capital ratio | 14.0079% | 4,565 |
| Memoranda: | ||
| Average total assets | $110,564,000 | 4,333 |
| Average earning assets | $99,061,330 | 4,397 |
| Average equity | $9,826,000 | 4,778 |
| Average total loans | $67,839,000 | 4,217 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9263% | 3,505 |
| Cost of funding earning assets | 0.4773% | 2,481 |
| Net interest margin | 3.4490% | 3,633 |
| Noninterest income to average assets | 0.6247% | 2,525 |
| Noninterest expense to average assets | 3.4158% | 1,462 |
| Loan and lease loss provision to assets | 0.1644% | 1,218 |
| Net operating income to assets | 0.2302% | 5,612 |
| Return on assets (ROA) | 0.2302% | 5,700 |
| Pretax return on assets | 0.1863% | 5,848 |
| Return on Equity (ROE) | 2.5559% | 5,523 |
| Retained earnings to average equity (ytd only) | 0.1217% | 5,336 |
| Net charge-offs to loans | -0.0178% | 4,989 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6887% | 800 |
| Assets per employee ($millions) | 3.6458% | 4,616 |
| Cash dividends to net income (ytd only)* | 95.2381% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0893% | 4,572 |
| Loan loss allowance to noncurrent loans | 87.7527% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.4409% | 1,833 |
| Noncurrent loans to loans | 1.2413% | 2,304 |
| Net loans and leases to total assets | 61.2690% | 3,487 |
| Net loans and leases to deposits | 69.5033% | 3,800 |
| Net loans and leases to core deposits | 71.3375% | 4,031 |
| Total domestic deposits to total assets | 88.1527% | 1,732 |
| Equity capital to assets | 9.0798% | 5,211 |
| Core capital (leverage) ratio | 8.8355% | 5,152 |
| Tier 1 risk-based capital ratio | 13.1554% | 4,526 |
| Total risk-based capital ratio | 14.1778% | 4,564 |
| Memoranda: | ||
| Average total assets | $109,491,000 | 4,381 |
| Average earning assets | $99,738,000 | 4,405 |
| Average equity | $9,859,500 | 4,813 |
| Average total loans | $67,567,500 | 4,249 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9534% | 3,911 |
| Cost of funding earning assets | 0.5410% | 2,280 |
| Net interest margin | 3.4124% | 4,146 |
| Noninterest income to average assets | 0.6775% | 2,417 |
| Noninterest expense to average assets | 3.3485% | 1,802 |
| Loan and lease loss provision to assets | 0.1668% | 1,570 |
| Net operating income to assets | 0.2561% | 5,643 |
| Return on assets (ROA) | 0.3781% | 5,367 |
| Pretax return on assets | 0.3837% | 5,524 |
| Return on Equity (ROE) | 4.3337% | 4,967 |
| Retained earnings to average equity (ytd only) | 3.6964% | 3,584 |
| Net charge-offs to loans | 0.2545% | 1,680 |
| Credit loss provision to net charge-offs | 105.8824% | 2,264 |
| Earnings coverage of net charge-offs (x) | 2.7118% | 4,080 |
| Efficiency ratio | 88.6843% | 936 |
| Assets per employee ($millions) | 3.6536% | 4,621 |
| Cash dividends to net income (ytd only)* | 14.7059% | 3,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 4,931 |
| Loan loss allowance to noncurrent loans | 70.6244% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 1.5619% | 1,733 |
| Noncurrent loans to loans | 1.4499% | 2,026 |
| Net loans and leases to total assets | 60.8483% | 3,661 |
| Net loans and leases to deposits | 70.2286% | 3,880 |
| Net loans and leases to core deposits | 72.1079% | 4,110 |
| Total domestic deposits to total assets | 86.6432% | 2,489 |
| Equity capital to assets | 8.9301% | 5,360 |
| Core capital (leverage) ratio | 8.2747% | 5,795 |
| Tier 1 risk-based capital ratio | 10.8119% | 5,988 |
| Total risk-based capital ratio | 11.6506% | 6,084 |
| Memoranda: | ||
| Average total assets | $107,898,000 | 4,418 |
| Average earning assets | $97,965,800 | 4,450 |
| Average equity | $9,414,600 | 4,883 |
| Average total loans | $66,797,400 | 4,273 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9539% | 3,947 |
| Cost of funding earning assets | 0.5488% | 2,305 |
| Net interest margin | 3.4050% | 4,222 |
| Noninterest income to average assets | 0.6786% | 2,431 |
| Noninterest expense to average assets | 3.3360% | 1,826 |
| Loan and lease loss provision to assets | 0.1675% | 1,478 |
| Net operating income to assets | 0.2402% | 5,753 |
| Return on assets (ROA) | 0.3920% | 5,356 |
| Pretax return on assets | 0.4268% | 5,527 |
| Return on Equity (ROE) | 4.5200% | 4,959 |
| Retained earnings to average equity (ytd only) | 3.6617% | 4,038 |
| Net charge-offs to loans | 0.1760% | 2,043 |
| Credit loss provision to net charge-offs | 153.4091% | 1,553 |
| Earnings coverage of net charge-offs (x) | 3.9318% | 3,566 |
| Efficiency ratio | 88.5997% | 948 |
| Assets per employee ($millions) | 3.6419% | 4,591 |
| Cash dividends to net income (ytd only)* | 18.9879% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 4,777 |
| Loan loss allowance to noncurrent loans | 44.9320% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 1.5175% | 2,030 |
| Noncurrent loans to loans | 2.4335% | 1,221 |
| Net loans and leases to total assets | 60.1907% | 3,754 |
| Net loans and leases to deposits | 68.0597% | 4,120 |
| Net loans and leases to core deposits | 69.8451% | 4,337 |
| Total domestic deposits to total assets | 88.4382% | 1,537 |
| Equity capital to assets | 8.7949% | 5,557 |
| Core capital (leverage) ratio | 8.3478% | 5,806 |
| Tier 1 risk-based capital ratio | 11.0490% | 5,971 |
| Total risk-based capital ratio | 11.9665% | 6,073 |
| Memoranda: | ||
| Average total assets | $107,470,750 | 4,469 |
| Average earning assets | $97,421,500 | 4,511 |
| Average equity | $9,321,250 | 4,941 |
| Average total loans | $66,650,750 | 4,315 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9928% | 3,751 |
| Cost of funding earning assets | 0.5575% | 2,289 |
| Net interest margin | 3.4353% | 4,037 |
| Noninterest income to average assets | 0.6419% | 2,593 |
| Noninterest expense to average assets | 3.3778% | 1,732 |
| Loan and lease loss provision to assets | 0.1684% | 1,456 |
| Net operating income to assets | 0.2077% | 5,812 |
| Return on assets (ROA) | 0.3836% | 5,354 |
| Pretax return on assets | 0.4080% | 5,536 |
| Return on Equity (ROE) | 4.4443% | 4,948 |
| Retained earnings to average equity (ytd only) | 4.4443% | 3,345 |
| Net charge-offs to loans | 0.0420% | 3,391 |
| Credit loss provision to net charge-offs | 642.8571% | 476 |
| Earnings coverage of net charge-offs (x) | 14.8571% | 1,888 |
| Efficiency ratio | 89.6672% | 944 |
| Assets per employee ($millions) | 3.5590% | 4,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 4,709 |
| Loan loss allowance to noncurrent loans | 49.3151% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 1.5669% | 2,081 |
| Noncurrent loans to loans | 2.3113% | 1,400 |
| Net loans and leases to total assets | 61.4124% | 3,501 |
| Net loans and leases to deposits | 70.3412% | 3,778 |
| Net loans and leases to core deposits | 72.2526% | 4,026 |
| Total domestic deposits to total assets | 87.3064% | 2,293 |
| Equity capital to assets | 8.9632% | 5,341 |
| Core capital (leverage) ratio | 8.4019% | 5,740 |
| Tier 1 risk-based capital ratio | 10.8494% | 6,112 |
| Total risk-based capital ratio | 11.7902% | 6,177 |
| Memoranda: | ||
| Average total assets | $106,875,670 | 4,516 |
| Average earning assets | $97,225,000 | 4,551 |
| Average equity | $9,225,330 | 4,976 |
| Average total loans | $66,704,670 | 4,336 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0191% | 3,606 |
| Cost of funding earning assets | 0.5689% | 2,252 |
| Net interest margin | 3.4502% | 3,901 |
| Noninterest income to average assets | 0.5948% | 2,766 |
| Noninterest expense to average assets | 3.3331% | 1,866 |
| Loan and lease loss provision to assets | 0.1683% | 1,434 |
| Net operating income to assets | 0.2843% | 5,554 |
| Return on assets (ROA) | 0.2843% | 5,596 |
| Pretax return on assets | 0.2469% | 5,837 |
| Return on Equity (ROE) | 3.3580% | 5,334 |
| Retained earnings to average equity (ytd only) | 3.3580% | 4,113 |
| Net charge-offs to loans | 0.0419% | 2,799 |
| Credit loss provision to net charge-offs | 642.8571% | 441 |
| Earnings coverage of net charge-offs (x) | 15.8571% | 1,529 |
| Efficiency ratio | 88.9222% | 1,135 |
| Assets per employee ($millions) | 3.6990% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0668% | 5,259 |
| Loan loss allowance to noncurrent loans | 149.2723% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.5789% | 4,414 |
| Noncurrent loans to loans | 0.7146% | 4,084 |
| Net loans and leases to total assets | 62.0749% | 3,230 |
| Net loans and leases to deposits | 71.4459% | 3,413 |
| Net loans and leases to core deposits | 73.1000% | 3,753 |
| Total domestic deposits to total assets | 86.8838% | 2,888 |
| Equity capital to assets | 8.6239% | 5,524 |
| Core capital (leverage) ratio | 8.2323% | 5,909 |
| Tier 1 risk-based capital ratio | 10.7288% | 6,264 |
| Total risk-based capital ratio | 11.6240% | 6,333 |
| Memoranda: | ||
| Average total assets | $106,928,500 | 4,561 |
| Average earning assets | $97,733,000 | 4,574 |
| Average equity | $9,053,000 | 5,037 |
| Average total loans | $66,894,000 | 4,362 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1364% | 3,590 |
| Cost of funding earning assets | 0.6758% | 1,994 |
| Net interest margin | 3.4605% | 4,054 |
| Noninterest income to average assets | 0.7682% | 2,228 |
| Noninterest expense to average assets | 3.4223% | 1,833 |
| Loan and lease loss provision to assets | 0.1644% | 2,222 |
| Net operating income to assets | 0.2648% | 5,642 |
| Return on assets (ROA) | 0.2949% | 5,634 |
| Pretax return on assets | 0.3315% | 5,642 |
| Return on Equity (ROE) | 3.4219% | 5,357 |
| Retained earnings to average equity (ytd only) | 2.1142% | 4,736 |
| Net charge-offs to loans | 0.2406% | 2,532 |
| Credit loss provision to net charge-offs | 109.3750% | 2,203 |
| Earnings coverage of net charge-offs (x) | 3.0750% | 3,963 |
| Efficiency ratio | 88.1044% | 1,204 |
| Assets per employee ($millions) | 3.5528% | 4,798 |
| Cash dividends to net income (ytd only)* | 38.2166% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 5,448 |
| Loan loss allowance to noncurrent loans | 209.2308% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.5160% | 4,695 |
| Noncurrent loans to loans | 0.4889% | 4,774 |
| Net loans and leases to total assets | 61.7357% | 3,406 |
| Net loans and leases to deposits | 70.5679% | 3,716 |
| Net loans and leases to core deposits | 72.2207% | 4,040 |
| Total domestic deposits to total assets | 87.4842% | 2,477 |
| Equity capital to assets | 8.3079% | 5,773 |
| Core capital (leverage) ratio | 8.0435% | 6,101 |
| Tier 1 risk-based capital ratio | 10.6918% | 6,303 |
| Total risk-based capital ratio | 11.5449% | 6,391 |
| Memoranda: | ||
| Average total assets | $106,478,200 | 4,578 |
| Average earning assets | $95,881,400 | 4,621 |
| Average equity | $9,176,200 | 5,045 |
| Average total loans | $66,500,400 | 4,396 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1582% | 3,534 |
| Cost of funding earning assets | 0.6982% | 1,966 |
| Net interest margin | 3.4601% | 4,058 |
| Noninterest income to average assets | 0.8003% | 2,143 |
| Noninterest expense to average assets | 3.4719% | 1,669 |
| Loan and lease loss provision to assets | 0.1691% | 2,148 |
| Net operating income to assets | 0.2981% | 5,622 |
| Return on assets (ROA) | 0.3432% | 5,583 |
| Pretax return on assets | 0.3081% | 5,857 |
| Return on Equity (ROE) | 3.9466% | 5,244 |
| Retained earnings to average equity (ytd only) | 2.2182% | 4,996 |
| Net charge-offs to loans | 0.0862% | 3,717 |
| Credit loss provision to net charge-offs | 313.9535% | 815 |
| Earnings coverage of net charge-offs (x) | 8.0235% | 2,688 |
| Efficiency ratio | 88.9317% | 1,086 |
| Assets per employee ($millions) | 3.5238% | 4,798 |
| Cash dividends to net income (ytd only)* | 43.7972% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 5,149 |
| Loan loss allowance to noncurrent loans | 178.1176% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.4623% | 5,043 |
| Noncurrent loans to loans | 0.6418% | 4,592 |
| Net loans and leases to total assets | 59.9248% | 3,705 |
| Net loans and leases to deposits | 67.9412% | 4,064 |
| Net loans and leases to core deposits | 69.4764% | 4,372 |
| Total domestic deposits to total assets | 88.2009% | 1,998 |
| Equity capital to assets | 8.1923% | 6,011 |
| Core capital (leverage) ratio | 8.1399% | 6,116 |
| Tier 1 risk-based capital ratio | 10.6420% | 6,410 |
| Total risk-based capital ratio | 11.5919% | 6,462 |
| Memoranda: | ||
| Average total assets | $106,451,500 | 4,628 |
| Average earning assets | $95,486,750 | 4,681 |
| Average equity | $9,256,500 | 5,081 |
| Average total loans | $66,505,250 | 4,430 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1868% | 3,426 |
| Cost of funding earning assets | 0.7164% | 1,950 |
| Net interest margin | 3.4704% | 3,925 |
| Noninterest income to average assets | 0.8681% | 1,932 |
| Noninterest expense to average assets | 3.5253% | 1,544 |
| Loan and lease loss provision to assets | 0.1706% | 2,204 |
| Net operating income to assets | 0.3165% | 5,537 |
| Return on assets (ROA) | 0.3848% | 5,433 |
| Pretax return on assets | 0.3620% | 5,727 |
| Return on Equity (ROE) | 4.3381% | 5,075 |
| Retained earnings to average equity (ytd only) | 3.0559% | 4,375 |
| Net charge-offs to loans | 0.1351% | 3,023 |
| Credit loss provision to net charge-offs | 200.0000% | 1,183 |
| Earnings coverage of net charge-offs (x) | 5.4444% | 2,895 |
| Efficiency ratio | 88.3610% | 1,188 |
| Assets per employee ($millions) | 3.4284% | 4,996 |
| Cash dividends to net income (ytd only)* | 29.5567% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 5,553 |
| Loan loss allowance to noncurrent loans | 171.0843% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.4657% | 5,109 |
| Noncurrent loans to loans | 0.6248% | 4,690 |
| Net loans and leases to total assets | 61.8238% | 3,324 |
| Net loans and leases to deposits | 70.3019% | 3,679 |
| Net loans and leases to core deposits | 71.7317% | 4,078 |
| Total domestic deposits to total assets | 87.9405% | 2,290 |
| Equity capital to assets | 8.3938% | 5,874 |
| Core capital (leverage) ratio | 8.1902% | 6,020 |
| Tier 1 risk-based capital ratio | 10.7226% | 6,438 |
| Total risk-based capital ratio | 11.6248% | 6,518 |
| Memoranda: | ||
| Average total assets | $105,523,000 | 4,690 |
| Average earning assets | $94,918,000 | 4,729 |
| Average equity | $9,359,000 | 5,092 |
| Average total loans | $66,601,330 | 4,442 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2452% | 3,133 |
| Cost of funding earning assets | 0.7407% | 1,919 |
| Net interest margin | 3.5045% | 3,674 |
| Noninterest income to average assets | 0.9168% | 1,705 |
| Noninterest expense to average assets | 3.5266% | 1,565 |
| Loan and lease loss provision to assets | 0.2397% | 1,515 |
| Net operating income to assets | 0.2821% | 5,619 |
| Return on assets (ROA) | 0.4109% | 5,236 |
| Pretax return on assets | 0.4375% | 5,442 |
| Return on Equity (ROE) | 4.5103% | 4,839 |
| Retained earnings to average equity (ytd only) | 2.0046% | 4,998 |
| Net charge-offs to loans | 0.2819% | 1,837 |
| Credit loss provision to net charge-offs | 134.0426% | 1,480 |
| Earnings coverage of net charge-offs (x) | 3.0213% | 2,865 |
| Efficiency ratio | 86.7166% | 1,436 |
| Assets per employee ($millions) | 3.4191% | 5,165 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 5,880 |
| Loan loss allowance to noncurrent loans | 159.1121% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.4982% | 5,136 |
| Noncurrent loans to loans | 0.6466% | 4,827 |
| Net loans and leases to total assets | 61.8100% | 3,101 |
| Net loans and leases to deposits | 71.1495% | 3,302 |
| Net loans and leases to core deposits | 72.6171% | 3,747 |
| Total domestic deposits to total assets | 86.8734% | 3,035 |
| Equity capital to assets | 8.9706% | 5,520 |
| Core capital (leverage) ratio | 8.4724% | 5,629 |
| Tier 1 risk-based capital ratio | 11.0869% | 6,367 |
| Total risk-based capital ratio | 11.9599% | 6,481 |
| Memoranda: | ||
| Average total assets | $105,144,000 | 4,741 |
| Average earning assets | $94,506,500 | 4,778 |
| Average equity | $9,578,000 | 5,094 |
| Average total loans | $66,693,500 | 4,464 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4546% | 3,596 |
| Cost of funding earning assets | 0.8693% | 2,144 |
| Net interest margin | 3.5853% | 4,150 |
| Noninterest income to average assets | 0.8447% | 2,060 |
| Noninterest expense to average assets | 3.7146% | 1,387 |
| Loan and lease loss provision to assets | 0.2939% | 2,327 |
| Net operating income to assets | 0.1526% | 5,887 |
| Return on assets (ROA) | 0.4124% | 5,304 |
| Pretax return on assets | 0.3688% | 5,656 |
| Return on Equity (ROE) | 4.5604% | 4,895 |
| Retained earnings to average equity (ytd only) | 3.9314% | 3,436 |
| Net charge-offs to loans | 0.3755% | 2,755 |
| Credit loss provision to net charge-offs | 122.0472% | 2,338 |
| Earnings coverage of net charge-offs (x) | 1.6732% | 4,602 |
| Efficiency ratio | 90.2141% | 1,048 |
| Assets per employee ($millions) | 3.2593% | 5,496 |
| Cash dividends to net income (ytd only)* | 13.7931% | 3,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9897% | 5,998 |
| Loan loss allowance to noncurrent loans | 149.4382% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.5034% | 5,211 |
| Noncurrent loans to loans | 0.6623% | 4,873 |
| Net loans and leases to total assets | 63.7871% | 2,935 |
| Net loans and leases to deposits | 73.2276% | 3,223 |
| Net loans and leases to core deposits | 74.8027% | 3,681 |
| Total domestic deposits to total assets | 87.1080% | 2,769 |
| Equity capital to assets | 9.2505% | 5,207 |
| Core capital (leverage) ratio | 8.3992% | 5,759 |
| Tier 1 risk-based capital ratio | 11.1543% | 6,288 |
| Total risk-based capital ratio | 12.0170% | 6,413 |
| Memoranda: | ||
| Average total assets | $105,475,400 | 4,692 |
| Average earning assets | $96,282,400 | 4,682 |
| Average equity | $9,538,600 | 5,092 |
| Average total loans | $67,638,800 | 4,435 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5067% | 3,610 |
| Cost of funding earning assets | 0.8950% | 2,206 |
| Net interest margin | 3.6117% | 4,185 |
| Noninterest income to average assets | 0.8559% | 1,998 |
| Noninterest expense to average assets | 3.5573% | 1,636 |
| Loan and lease loss provision to assets | 0.2962% | 2,219 |
| Net operating income to assets | 0.3051% | 5,598 |
| Return on assets (ROA) | 0.5420% | 4,918 |
| Pretax return on assets | 0.5408% | 5,342 |
| Return on Equity (ROE) | 6.0278% | 4,319 |
| Retained earnings to average equity (ytd only) | 5.1867% | 3,231 |
| Net charge-offs to loans | 0.2775% | 3,059 |
| Credit loss provision to net charge-offs | 166.6667% | 1,665 |
| Earnings coverage of net charge-offs (x) | 3.3758% | 3,674 |
| Efficiency ratio | 85.5670% | 1,422 |
| Assets per employee ($millions) | 3.2509% | 5,534 |
| Cash dividends to net income (ytd only)* | 13.9538% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 5,954 |
| Loan loss allowance to noncurrent loans | 121.8371% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.5547% | 5,283 |
| Noncurrent loans to loans | 0.8496% | 4,714 |
| Net loans and leases to total assets | 64.6089% | 2,907 |
| Net loans and leases to deposits | 74.2223% | 3,249 |
| Net loans and leases to core deposits | 75.8207% | 3,749 |
| Total domestic deposits to total assets | 87.0478% | 2,638 |
| Equity capital to assets | 9.3695% | 5,381 |
| Core capital (leverage) ratio | 8.5612% | 5,675 |
| Tier 1 risk-based capital ratio | 11.3896% | 6,304 |
| Total risk-based capital ratio | 12.3005% | 6,435 |
| Memoranda: | ||
| Average total assets | $105,770,000 | 4,732 |
| Average earning assets | $96,683,000 | 4,722 |
| Average equity | $9,511,250 | 5,148 |
| Average total loans | $67,750,250 | 4,476 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5181% | 3,696 |
| Cost of funding earning assets | 0.9209% | 2,254 |
| Net interest margin | 3.5972% | 4,275 |
| Noninterest income to average assets | 0.8406% | 2,000 |
| Noninterest expense to average assets | 3.5092% | 1,765 |
| Loan and lease loss provision to assets | 0.3479% | 1,893 |
| Net operating income to assets | 0.3216% | 5,536 |
| Return on assets (ROA) | 0.5623% | 4,810 |
| Pretax return on assets | 0.5153% | 5,399 |
| Return on Equity (ROE) | 6.3397% | 4,137 |
| Retained earnings to average equity (ytd only) | 6.3397% | 2,479 |
| Net charge-offs to loans | 0.4136% | 2,381 |
| Credit loss provision to net charge-offs | 132.1429% | 2,077 |
| Earnings coverage of net charge-offs (x) | 2.3643% | 3,819 |
| Efficiency ratio | 84.9340% | 1,542 |
| Assets per employee ($millions) | 3.3217% | 5,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9575% | 6,303 |
| Loan loss allowance to noncurrent loans | 163.9098% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.4121% | 5,751 |
| Noncurrent loans to loans | 0.5842% | 5,340 |
| Net loans and leases to total assets | 63.6405% | 3,116 |
| Net loans and leases to deposits | 73.0795% | 3,443 |
| Net loans and leases to core deposits | 74.6150% | 3,942 |
| Total domestic deposits to total assets | 87.0839% | 2,730 |
| Equity capital to assets | 9.0052% | 5,694 |
| Core capital (leverage) ratio | 8.4295% | 5,746 |
| Tier 1 risk-based capital ratio | 11.4218% | 6,265 |
| Total risk-based capital ratio | 12.2859% | 6,453 |
| Memoranda: | ||
| Average total assets | $106,350,330 | 4,745 |
| Average earning assets | $97,297,670 | 4,726 |
| Average equity | $9,432,670 | 5,175 |
| Average total loans | $67,695,330 | 4,500 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5669% | 3,647 |
| Cost of funding earning assets | 0.9569% | 2,256 |
| Net interest margin | 3.6100% | 4,221 |
| Noninterest income to average assets | 0.6543% | 2,908 |
| Noninterest expense to average assets | 3.4330% | 1,930 |
| Loan and lease loss provision to assets | 0.1692% | 3,277 |
| Net operating income to assets | 0.3986% | 5,266 |
| Return on assets (ROA) | 0.4475% | 5,237 |
| Pretax return on assets | 0.4061% | 5,706 |
| Return on Equity (ROE) | 5.0838% | 4,746 |
| Retained earnings to average equity (ytd only) | 5.0838% | 3,504 |
| Net charge-offs to loans | -0.0119% | 5,999 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7047% | 1,411 |
| Assets per employee ($millions) | 3.3156% | 5,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9698% | 6,357 |
| Loan loss allowance to noncurrent loans | 119.4900% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.5316% | 5,542 |
| Noncurrent loans to loans | 0.8116% | 5,052 |
| Net loans and leases to total assets | 63.1348% | 3,009 |
| Net loans and leases to deposits | 73.9940% | 3,126 |
| Net loans and leases to core deposits | 75.6468% | 3,662 |
| Total domestic deposits to total assets | 85.3242% | 3,871 |
| Equity capital to assets | 8.8992% | 5,637 |
| Core capital (leverage) ratio | 8.0219% | 6,240 |
| Tier 1 risk-based capital ratio | 11.1814% | 6,457 |
| Total risk-based capital ratio | 12.0614% | 6,604 |
| Memoranda: | ||
| Average total assets | $106,378,500 | 4,782 |
| Average earning assets | $97,397,000 | 4,766 |
| Average equity | $9,363,000 | 5,200 |
| Average total loans | $67,393,000 | 4,537 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8822% | 3,445 |
| Cost of funding earning assets | 1.1465% | 2,368 |
| Net interest margin | 3.7357% | 4,132 |
| Noninterest income to average assets | 0.7358% | 2,413 |
| Noninterest expense to average assets | 3.5578% | 1,841 |
| Loan and lease loss provision to assets | 0.3111% | 3,180 |
| Net operating income to assets | 0.3359% | 5,117 |
| Return on assets (ROA) | 0.4342% | 4,918 |
| Pretax return on assets | 0.3703% | 5,378 |
| Return on Equity (ROE) | 5.1330% | 4,328 |
| Retained earnings to average equity (ytd only) | 4.4561% | 3,000 |
| Net charge-offs to loans | 0.6435% | 2,538 |
| Credit loss provision to net charge-offs | 75.4630% | 4,657 |
| Earnings coverage of net charge-offs (x) | 1.4144% | 4,713 |
| Efficiency ratio | 85.9184% | 1,573 |
| Assets per employee ($millions) | 3.3330% | 5,424 |
| Cash dividends to net income (ytd only)* | 13.1868% | 3,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9070% | 6,519 |
| Loan loss allowance to noncurrent loans | 129.2994% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.4557% | 5,830 |
| Noncurrent loans to loans | 0.7015% | 5,295 |
| Net loans and leases to total assets | 62.3822% | 3,523 |
| Net loans and leases to deposits | 72.7349% | 3,703 |
| Net loans and leases to core deposits | 74.5799% | 4,162 |
| Total domestic deposits to total assets | 85.7665% | 3,450 |
| Equity capital to assets | 8.7045% | 5,890 |
| Core capital (leverage) ratio | 7.8853% | 6,371 |
| Tier 1 risk-based capital ratio | 10.9929% | 6,461 |
| Total risk-based capital ratio | 11.8097% | 6,640 |
| Memoranda: | ||
| Average total assets | $104,783,400 | 4,764 |
| Average earning assets | $95,510,800 | 4,768 |
| Average equity | $8,864,200 | 5,315 |
| Average total loans | $67,128,000 | 4,593 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9653% | 3,269 |
| Cost of funding earning assets | 1.1799% | 2,449 |
| Net interest margin | 3.7853% | 3,947 |
| Noninterest income to average assets | 0.7298% | 2,415 |
| Noninterest expense to average assets | 3.6261% | 1,658 |
| Loan and lease loss provision to assets | 0.3195% | 2,980 |
| Net operating income to assets | 0.2812% | 5,465 |
| Return on assets (ROA) | 0.4806% | 4,827 |
| Pretax return on assets | 0.4320% | 5,369 |
| Return on Equity (ROE) | 5.7233% | 4,156 |
| Retained earnings to average equity (ytd only) | 4.8100% | 3,304 |
| Net charge-offs to loans | 0.4151% | 3,067 |
| Credit loss provision to net charge-offs | 119.6172% | 2,725 |
| Earnings coverage of net charge-offs (x) | 2.0670% | 4,111 |
| Efficiency ratio | 86.7849% | 1,455 |
| Assets per employee ($millions) | 3.3131% | 5,458 |
| Cash dividends to net income (ytd only)* | 15.9579% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 5,779 |
| Loan loss allowance to noncurrent loans | 117.2093% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.6225% | 5,581 |
| Noncurrent loans to loans | 0.9615% | 4,962 |
| Net loans and leases to total assets | 62.5592% | 3,597 |
| Net loans and leases to deposits | 72.8075% | 3,831 |
| Net loans and leases to core deposits | 74.6522% | 4,359 |
| Total domestic deposits to total assets | 85.9241% | 3,257 |
| Equity capital to assets | 8.7032% | 6,081 |
| Core capital (leverage) ratio | 8.1546% | 6,195 |
| Tier 1 risk-based capital ratio | 10.7962% | 6,667 |
| Total risk-based capital ratio | 11.7732% | 6,756 |
| Memoranda: | ||
| Average total assets | $104,315,000 | 4,807 |
| Average earning assets | $95,031,000 | 4,818 |
| Average equity | $8,759,250 | 5,369 |
| Average total loans | $67,124,000 | 4,626 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9861% | 3,227 |
| Cost of funding earning assets | 1.2100% | 2,505 |
| Net interest margin | 3.7761% | 3,906 |
| Noninterest income to average assets | 0.7287% | 2,381 |
| Noninterest expense to average assets | 3.6454% | 1,634 |
| Loan and lease loss provision to assets | 0.2795% | 3,142 |
| Net operating income to assets | 0.2853% | 5,427 |
| Return on assets (ROA) | 0.4993% | 4,645 |
| Pretax return on assets | 0.4530% | 5,217 |
| Return on Equity (ROE) | 6.0209% | 3,961 |
| Retained earnings to average equity (ytd only) | 4.6261% | 3,237 |
| Net charge-offs to loans | 0.1192% | 4,518 |
| Credit loss provision to net charge-offs | 362.5000% | 842 |
| Earnings coverage of net charge-offs (x) | 6.7250% | 2,346 |
| Efficiency ratio | 87.5463% | 1,457 |
| Assets per employee ($millions) | 3.3211% | 5,389 |
| Cash dividends to net income (ytd only)* | 23.1660% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 5,471 |
| Loan loss allowance to noncurrent loans | 56.7474% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 1.3738% | 4,161 |
| Noncurrent loans to loans | 2.1485% | 3,289 |
| Net loans and leases to total assets | 62.5139% | 3,787 |
| Net loans and leases to deposits | 72.9705% | 3,962 |
| Net loans and leases to core deposits | 74.8971% | 4,456 |
| Total domestic deposits to total assets | 85.6701% | 3,507 |
| Equity capital to assets | 8.3671% | 6,344 |
| Core capital (leverage) ratio | 7.9530% | 6,355 |
| Tier 1 risk-based capital ratio | 10.5308% | 6,780 |
| Total risk-based capital ratio | 11.5958% | 6,843 |
| Memoranda: | ||
| Average total assets | $103,747,330 | 4,862 |
| Average earning assets | $94,383,000 | 4,870 |
| Average equity | $8,603,330 | 5,433 |
| Average total loans | $67,138,670 | 4,674 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0145% | 3,039 |
| Cost of funding earning assets | 1.2482% | 2,513 |
| Net interest margin | 3.7663% | 3,774 |
| Noninterest income to average assets | 0.7416% | 2,308 |
| Noninterest expense to average assets | 3.6337% | 1,693 |
| Loan and lease loss provision to assets | 0.1171% | 4,542 |
| Net operating income to assets | 0.4059% | 4,921 |
| Return on assets (ROA) | 0.5269% | 4,453 |
| Pretax return on assets | 0.5269% | 4,936 |
| Return on Equity (ROE) | 6.3837% | 3,683 |
| Retained earnings to average equity (ytd only) | 3.5465% | 4,062 |
| Net charge-offs to loans | 0.0477% | 4,464 |
| Credit loss provision to net charge-offs | 375.0000% | 879 |
| Earnings coverage of net charge-offs (x) | 16.7500% | 1,252 |
| Efficiency ratio | 87.4178% | 1,582 |
| Assets per employee ($millions) | 3.2399% | 5,612 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 6,032 |
| Loan loss allowance to noncurrent loans | 47.9818% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 1.9648% | 3,360 |
| Noncurrent loans to loans | 2.2984% | 3,196 |
| Net loans and leases to total assets | 63.7476% | 3,490 |
| Net loans and leases to deposits | 74.2137% | 3,728 |
| Net loans and leases to core deposits | 76.5846% | 4,225 |
| Total domestic deposits to total assets | 85.8974% | 3,582 |
| Equity capital to assets | 8.2671% | 6,202 |
| Core capital (leverage) ratio | 7.8484% | 6,421 |
| Tier 1 risk-based capital ratio | 10.4273% | 6,848 |
| Total risk-based capital ratio | 11.4068% | 6,948 |
| Memoranda: | ||
| Average total assets | $102,484,000 | 4,931 |
| Average earning assets | $92,930,500 | 4,945 |
| Average equity | $8,459,000 | 5,467 |
| Average total loans | $67,080,000 | 4,724 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3658% | 2,829 |
| Cost of funding earning assets | 1.5026% | 2,624 |
| Net interest margin | 3.8632% | 3,672 |
| Noninterest income to average assets | 0.8223% | 2,179 |
| Noninterest expense to average assets | 3.7191% | 1,658 |
| Loan and lease loss provision to assets | 0.1562% | 5,646 |
| Net operating income to assets | 0.4302% | 4,407 |
| Return on assets (ROA) | 0.5594% | 4,010 |
| Pretax return on assets | 0.5663% | 4,430 |
| Return on Equity (ROE) | 6.7461% | 3,241 |
| Retained earnings to average equity (ytd only) | 3.8856% | 3,150 |
| Net charge-offs to loans | 0.1983% | 5,099 |
| Credit loss provision to net charge-offs | 121.5385% | 3,455 |
| Earnings coverage of net charge-offs (x) | 4.6077% | 2,870 |
| Efficiency ratio | 86.2678% | 1,665 |
| Assets per employee ($millions) | 3.1654% | 5,742 |
| Cash dividends to net income (ytd only)* | 42.4028% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 6,099 |
| Loan loss allowance to noncurrent loans | 53.9623% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 1.8165% | 3,607 |
| Noncurrent loans to loans | 1.9679% | 3,606 |
| Net loans and leases to total assets | 65.7673% | 3,513 |
| Net loans and leases to deposits | 75.7373% | 3,881 |
| Net loans and leases to core deposits | 78.6375% | 4,381 |
| Total domestic deposits to total assets | 86.8361% | 2,914 |
| Equity capital to assets | 8.2405% | 6,215 |
| Core capital (leverage) ratio | 7.6641% | 6,570 |
| Tier 1 risk-based capital ratio | 10.3188% | 6,816 |
| Total risk-based capital ratio | 11.2804% | 6,959 |
| Memoranda: | ||
| Average total assets | $101,180,600 | 4,951 |
| Average earning assets | $91,374,200 | 4,968 |
| Average equity | $8,390,000 | 5,589 |
| Average total loans | $65,552,200 | 4,844 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3884% | 2,934 |
| Cost of funding earning assets | 1.5581% | 2,619 |
| Net interest margin | 3.8303% | 3,843 |
| Noninterest income to average assets | 0.7935% | 2,268 |
| Noninterest expense to average assets | 3.6156% | 1,756 |
| Loan and lease loss provision to assets | 0.1687% | 5,356 |
| Net operating income to assets | 0.4442% | 4,570 |
| Return on assets (ROA) | 0.5444% | 4,284 |
| Pretax return on assets | 0.5721% | 4,685 |
| Return on Equity (ROE) | 6.5548% | 3,547 |
| Retained earnings to average equity (ytd only) | 3.6980% | 3,858 |
| Net charge-offs to loans | 0.1515% | 5,094 |
| Credit loss provision to net charge-offs | 172.9730% | 2,128 |
| Earnings coverage of net charge-offs (x) | 6.5138% | 2,506 |
| Efficiency ratio | 85.0543% | 1,724 |
| Assets per employee ($millions) | 3.2440% | 5,589 |
| Cash dividends to net income (ytd only)* | 43.5830% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 5,923 |
| Loan loss allowance to noncurrent loans | 66.8170% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.5981% | 4,052 |
| Noncurrent loans to loans | 1.6517% | 4,167 |
| Net loans and leases to total assets | 63.9646% | 4,135 |
| Net loans and leases to deposits | 74.3206% | 4,451 |
| Net loans and leases to core deposits | 77.6629% | 4,841 |
| Total domestic deposits to total assets | 86.0658% | 3,041 |
| Equity capital to assets | 8.3837% | 6,414 |
| Core capital (leverage) ratio | 8.1184% | 6,168 |
| Tier 1 risk-based capital ratio | 10.7947% | 6,551 |
| Total risk-based capital ratio | 11.7698% | 6,750 |
| Memoranda: | ||
| Average total assets | $101,152,750 | 5,007 |
| Average earning assets | $91,305,750 | 5,029 |
| Average equity | $8,400,750 | 5,657 |
| Average total loans | $65,107,250 | 4,937 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4297% | 2,843 |
| Cost of funding earning assets | 1.6019% | 2,644 |
| Net interest margin | 3.8278% | 3,776 |
| Noninterest income to average assets | 0.8298% | 1,972 |
| Noninterest expense to average assets | 3.6004% | 1,778 |
| Loan and lease loss provision to assets | 0.1755% | 5,110 |
| Net operating income to assets | 0.4636% | 4,492 |
| Return on assets (ROA) | 0.5645% | 4,169 |
| Pretax return on assets | 0.6144% | 4,528 |
| Return on Equity (ROE) | 6.8193% | 3,388 |
| Retained earnings to average equity (ytd only) | 3.9277% | 3,587 |
| Net charge-offs to loans | 0.0745% | 5,402 |
| Credit loss provision to net charge-offs | 366.6667% | 993 |
| Earnings coverage of net charge-offs (x) | 14.2083% | 1,538 |
| Efficiency ratio | 84.1100% | 1,910 |
| Assets per employee ($millions) | 3.1931% | 5,701 |
| Cash dividends to net income (ytd only)* | 42.4028% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 5,634 |
| Loan loss allowance to noncurrent loans | 60.4183% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 1.8379% | 3,713 |
| Noncurrent loans to loans | 1.9269% | 3,835 |
| Net loans and leases to total assets | 62.3968% | 4,604 |
| Net loans and leases to deposits | 74.0439% | 4,670 |
| Net loans and leases to core deposits | 78.9785% | 4,805 |
| Total domestic deposits to total assets | 84.2699% | 3,975 |
| Equity capital to assets | 8.3177% | 6,407 |
| Core capital (leverage) ratio | 8.2486% | 5,857 |
| Tier 1 risk-based capital ratio | 11.1047% | 6,135 |
| Total risk-based capital ratio | 12.1291% | 6,360 |
| Memoranda: | ||
| Average total assets | $100,267,330 | 5,067 |
| Average earning assets | $90,391,670 | 5,080 |
| Average equity | $8,300,000 | 5,697 |
| Average total loans | $64,429,000 | 5,003 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4838% | 2,666 |
| Cost of funding earning assets | 1.6630% | 2,583 |
| Net interest margin | 3.8208% | 3,701 |
| Noninterest income to average assets | 0.9546% | 1,437 |
| Noninterest expense to average assets | 3.6653% | 1,586 |
| Loan and lease loss provision to assets | 0.1208% | 5,375 |
| Net operating income to assets | 0.5582% | 4,096 |
| Return on assets (ROA) | 0.6162% | 3,968 |
| Pretax return on assets | 0.6847% | 4,288 |
| Return on Equity (ROE) | 7.4630% | 3,130 |
| Retained earnings to average equity (ytd only) | 4.5363% | 3,434 |
| Net charge-offs to loans | 0.1118% | 4,315 |
| Credit loss provision to net charge-offs | 166.6667% | 2,176 |
| Earnings coverage of net charge-offs (x) | 10.2222% | 1,763 |
| Efficiency ratio | 83.1810% | 2,118 |
| Assets per employee ($millions) | 3.1540% | 5,875 |
| Cash dividends to net income (ytd only)* | 39.2157% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 6,080 |
| Loan loss allowance to noncurrent loans | 47.6483% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 1.4535% | 4,323 |
| Noncurrent loans to loans | 2.2770% | 3,423 |
| Net loans and leases to total assets | 63.1414% | 4,502 |
| Net loans and leases to deposits | 73.5634% | 4,815 |
| Net loans and leases to core deposits | 77.3145% | 5,105 |
| Total domestic deposits to total assets | 85.8326% | 3,240 |
| Equity capital to assets | 8.1770% | 6,460 |
| Core capital (leverage) ratio | 8.2680% | 5,805 |
| Tier 1 risk-based capital ratio | 11.2075% | 5,950 |
| Total risk-based capital ratio | 12.1792% | 6,202 |
| Memoranda: | ||
| Average total assets | $99,311,000 | 5,170 |
| Average earning assets | $89,718,500 | 5,175 |
| Average equity | $8,200,500 | 5,769 |
| Average total loans | $64,389,500 | 5,069 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0371% | 1,725 |
| Cost of funding earning assets | 2.0607% | 2,678 |
| Net interest margin | 3.9764% | 2,961 |
| Noninterest income to average assets | 0.7431% | 2,720 |
| Noninterest expense to average assets | 3.7737% | 1,745 |
| Loan and lease loss provision to assets | 0.2436% | 5,434 |
| Net operating income to assets | 0.3224% | 4,443 |
| Return on assets (ROA) | 0.4790% | 3,916 |
| Pretax return on assets | 0.4770% | 4,256 |
| Return on Equity (ROE) | 5.8563% | 3,273 |
| Retained earnings to average equity (ytd only) | 2.8280% | 3,187 |
| Net charge-offs to loans | 0.1247% | 5,944 |
| Credit loss provision to net charge-offs | 305.1282% | 1,082 |
| Earnings coverage of net charge-offs (x) | 7.0641% | 2,227 |
| Efficiency ratio | 86.9986% | 1,995 |
| Assets per employee ($millions) | 3.0529% | 6,085 |
| Cash dividends to net income (ytd only)* | 51.7094% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 6,054 |
| Loan loss allowance to noncurrent loans | 52.5631% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 1.3379% | 4,420 |
| Noncurrent loans to loans | 2.0310% | 3,609 |
| Net loans and leases to total assets | 65.1684% | 4,344 |
| Net loans and leases to deposits | 76.2236% | 4,703 |
| Net loans and leases to core deposits | 88.7391% | 5,248 |
| Total domestic deposits to total assets | 85.4964% | 3,294 |
| Equity capital to assets | 8.3404% | 6,144 |
| Core capital (leverage) ratio | 8.2516% | 5,720 |
| Tier 1 risk-based capital ratio | 11.0586% | 5,866 |
| Total risk-based capital ratio | 12.0127% | 6,118 |
| Memoranda: | ||
| Average total assets | $97,701,600 | 5,148 |
| Average earning assets | $88,320,200 | 5,177 |
| Average equity | $7,991,400 | 5,931 |
| Average total loans | $62,537,000 | 5,147 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1407% | 1,522 |
| Cost of funding earning assets | 2.1399% | 2,710 |
| Net interest margin | 4.0008% | 2,821 |
| Noninterest income to average assets | 0.7506% | 2,707 |
| Noninterest expense to average assets | 3.8087% | 1,576 |
| Loan and lease loss provision to assets | 0.1187% | 6,179 |
| Net operating income to assets | 0.4599% | 4,163 |
| Return on assets (ROA) | 0.4981% | 4,086 |
| Pretax return on assets | 0.4817% | 4,574 |
| Return on Equity (ROE) | 6.1197% | 3,479 |
| Retained earnings to average equity (ytd only) | 3.0682% | 3,606 |
| Net charge-offs to loans | 0.0709% | 5,983 |
| Credit loss provision to net charge-offs | 263.6364% | 1,615 |
| Earnings coverage of net charge-offs (x) | 12.4845% | 1,755 |
| Efficiency ratio | 87.1371% | 1,952 |
| Assets per employee ($millions) | 3.0820% | 5,952 |
| Cash dividends to net income (ytd only)* | 49.8634% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9028% | 6,745 |
| Loan loss allowance to noncurrent loans | 105.4446% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5587% | 6,062 |
| Noncurrent loans to loans | 0.8562% | 5,587 |
| Net loans and leases to total assets | 64.6621% | 4,719 |
| Net loans and leases to deposits | 75.8895% | 5,070 |
| Net loans and leases to core deposits | 89.3304% | 5,501 |
| Total domestic deposits to total assets | 85.2056% | 3,122 |
| Equity capital to assets | 8.5485% | 6,185 |
| Core capital (leverage) ratio | 8.2502% | 5,918 |
| Tier 1 risk-based capital ratio | 11.2224% | 5,719 |
| Total risk-based capital ratio | 12.0615% | 6,108 |
| Memoranda: | ||
| Average total assets | $97,703,750 | 5,184 |
| Average earning assets | $88,412,750 | 5,219 |
| Average equity | $7,952,250 | 5,997 |
| Average total loans | $62,083,250 | 5,209 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2799% | 1,260 |
| Cost of funding earning assets | 2.2281% | 2,671 |
| Net interest margin | 4.0518% | 2,496 |
| Noninterest income to average assets | 0.7824% | 2,503 |
| Noninterest expense to average assets | 3.8728% | 1,533 |
| Loan and lease loss provision to assets | 0.0986% | 6,186 |
| Net operating income to assets | 0.4805% | 4,173 |
| Return on assets (ROA) | 0.5360% | 4,058 |
| Pretax return on assets | 0.5298% | 4,522 |
| Return on Equity (ROE) | 6.6986% | 3,332 |
| Retained earnings to average equity (ytd only) | 3.5675% | 3,315 |
| Net charge-offs to loans | 0.0978% | 5,190 |
| Credit loss provision to net charge-offs | 160.0000% | 2,869 |
| Earnings coverage of net charge-offs (x) | 9.3000% | 2,150 |
| Efficiency ratio | 87.1132% | 2,113 |
| Assets per employee ($millions) | 3.0925% | 5,893 |
| Cash dividends to net income (ytd only)* | 46.7433% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8888% | 6,822 |
| Loan loss allowance to noncurrent loans | 318.7135% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.1728% | 7,115 |
| Noncurrent loans to loans | 0.2789% | 6,824 |
| Net loans and leases to total assets | 61.4143% | 5,452 |
| Net loans and leases to deposits | 74.0238% | 5,449 |
| Net loans and leases to core deposits | 86.0324% | 5,901 |
| Total domestic deposits to total assets | 82.9657% | 4,251 |
| Equity capital to assets | 8.0447% | 6,701 |
| Core capital (leverage) ratio | 8.1616% | 6,052 |
| Tier 1 risk-based capital ratio | 11.3084% | 5,585 |
| Total risk-based capital ratio | 12.1017% | 5,966 |
| Memoranda: | ||
| Average total assets | $97,396,670 | 5,236 |
| Average earning assets | $88,058,670 | 5,262 |
| Average equity | $7,792,670 | 6,091 |
| Average total loans | $61,326,330 | 5,278 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4237% | 1,013 |
| Cost of funding earning assets | 2.2971% | 2,712 |
| Net interest margin | 4.1265% | 2,183 |
| Noninterest income to average assets | 0.7204% | 2,764 |
| Noninterest expense to average assets | 3.8089% | 1,452 |
| Loan and lease loss provision to assets | 0.0994% | 5,693 |
| Net operating income to assets | 0.5506% | 4,213 |
| Return on assets (ROA) | 0.5548% | 4,384 |
| Pretax return on assets | 0.5424% | 4,942 |
| Return on Equity (ROE) | 6.9534% | 3,616 |
| Retained earnings to average equity (ytd only) | 3.7361% | 3,823 |
| Net charge-offs to loans | -0.0261% | 7,515 |
| Credit loss provision to net charge-offs | -600.0000% | 6,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6611% | 2,114 |
| Assets per employee ($millions) | 3.0237% | 6,089 |
| Cash dividends to net income (ytd only)* | 46.2687% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8949% | 6,773 |
| Loan loss allowance to noncurrent loans | 211.0266% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3235% | 6,539 |
| Noncurrent loans to loans | 0.4241% | 6,360 |
| Net loans and leases to total assets | 63.5193% | 5,067 |
| Net loans and leases to deposits | 75.0262% | 5,338 |
| Net loans and leases to core deposits | 89.3145% | 5,621 |
| Total domestic deposits to total assets | 84.6628% | 3,384 |
| Equity capital to assets | 7.9838% | 6,838 |
| Core capital (leverage) ratio | 7.9911% | 6,466 |
| Tier 1 risk-based capital ratio | 10.9887% | 5,918 |
| Total risk-based capital ratio | 11.7924% | 6,261 |
| Memoranda: | ||
| Average total assets | $96,615,500 | 5,283 |
| Average earning assets | $87,240,000 | 5,309 |
| Average equity | $7,708,500 | 6,156 |
| Average total loans | $61,329,500 | 5,309 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9884% | 1,167 |
| Cost of funding earning assets | 2.6633% | 3,348 |
| Net interest margin | 4.3251% | 1,901 |
| Noninterest income to average assets | 0.6877% | 3,202 |
| Noninterest expense to average assets | 3.9521% | 1,481 |
| Loan and lease loss provision to assets | 0.0813% | 6,376 |
| Net operating income to assets | 0.5653% | 4,461 |
| Return on assets (ROA) | -0.1709% | 6,433 |
| Pretax return on assets | -0.5991% | 6,734 |
| Return on Equity (ROE) | -2.0977% | 6,520 |
| Retained earnings to average equity (ytd only) | -4.4512% | 6,409 |
| Net charge-offs to loans | 0.0992% | 5,326 |
| Credit loss provision to net charge-offs | 132.2034% | 4,031 |
| Earnings coverage of net charge-offs (x) | 10.2881% | 2,539 |
| Efficiency ratio | 86.2045% | 1,834 |
| Assets per employee ($millions) | 3.0148% | 6,025 |
| Cash dividends to net income (ytd only)* | -112.1951% | 8,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8690% | 6,815 |
| Loan loss allowance to noncurrent loans | 233.1858% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 6,439 |
| Noncurrent loans to loans | 0.3727% | 6,236 |
| Net loans and leases to total assets | 62.3148% | 5,576 |
| Net loans and leases to deposits | 76.3119% | 5,551 |
| Net loans and leases to core deposits | 89.1917% | 5,876 |
| Total domestic deposits to total assets | 81.6581% | 4,337 |
| Equity capital to assets | 7.9732% | 6,885 |
| Core capital (leverage) ratio | 8.0606% | 6,390 |
| Tier 1 risk-based capital ratio | 11.2015% | 5,538 |
| Total risk-based capital ratio | 11.9786% | 5,884 |
| Memoranda: | ||
| Average total assets | $95,973,600 | 5,174 |
| Average earning assets | $86,471,600 | 5,207 |
| Average equity | $7,818,200 | 6,167 |
| Average total loans | $59,465,200 | 5,292 |