Home > Community State Bank > Performance and Condition Ratios
Community State Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5774% | 4,900 |
| Cost of funding earning assets | 0.7367% | 3,028 |
| Net interest margin | 2.8407% | 4,821 |
| Noninterest income to average assets | 0.6230% | 2,092 |
| Noninterest expense to average assets | 2.1305% | 4,306 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9757% | 3,069 |
| Return on assets (ROA) | 0.9757% | 3,148 |
| Pretax return on assets | 1.1481% | 3,141 |
| Return on Equity (ROE) | 12.0277% | 1,609 |
| Retained earnings to average equity (ytd only) | 3.7989% | 3,496 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9813% | 2,866 |
| Assets per employee ($millions) | 4.7298% | 2,875 |
| Cash dividends to net income (ytd only)* | 68.4153% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 3,448 |
| Loan loss allowance to noncurrent loans | 64.7363% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 0.8178% | 1,693 |
| Noncurrent loans to loans | 1.5790% | 937 |
| Net loans and leases to total assets | 51.2639% | 4,354 |
| Net loans and leases to deposits | 56.6827% | 4,527 |
| Net loans and leases to core deposits | 57.5955% | 4,635 |
| Total domestic deposits to total assets | 90.4402% | 184 |
| Equity capital to assets | 8.6870% | 4,931 |
| Core capital (leverage) ratio | 8.7381% | 4,805 |
| Tier 1 risk-based capital ratio | 12.7315% | 4,008 |
| Total risk-based capital ratio | 13.5267% | 4,150 |
| Memoranda: | ||
| Average total assets | $119,844,750 | 3,746 |
| Average earning assets | $112,034,500 | 3,714 |
| Average equity | $9,721,750 | 4,324 |
| Average total loans | $59,477,500 | 4,042 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5747% | 4,954 |
| Cost of funding earning assets | 0.7863% | 2,710 |
| Net interest margin | 2.7884% | 4,940 |
| Noninterest income to average assets | 0.5915% | 2,188 |
| Noninterest expense to average assets | 2.1233% | 4,371 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9271% | 3,183 |
| Return on assets (ROA) | 0.9271% | 3,240 |
| Pretax return on assets | 1.0783% | 3,297 |
| Return on Equity (ROE) | 11.7002% | 1,693 |
| Retained earnings to average equity (ytd only) | 3.3129% | 3,571 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3207% | 2,775 |
| Assets per employee ($millions) | 4.8485% | 2,669 |
| Cash dividends to net income (ytd only)* | 71.6846% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 3,281 |
| Loan loss allowance to noncurrent loans | 63.9428% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 0.8413% | 1,675 |
| Noncurrent loans to loans | 1.6587% | 924 |
| Net loans and leases to total assets | 50.1830% | 4,459 |
| Net loans and leases to deposits | 55.3670% | 4,620 |
| Net loans and leases to core deposits | 56.1350% | 4,711 |
| Total domestic deposits to total assets | 90.6371% | 167 |
| Equity capital to assets | 8.6290% | 4,994 |
| Core capital (leverage) ratio | 8.1865% | 5,115 |
| Tier 1 risk-based capital ratio | 12.9603% | 3,860 |
| Total risk-based capital ratio | 13.7796% | 4,001 |
| Memoranda: | ||
| Average total assets | $120,378,000 | 3,752 |
| Average earning assets | $112,679,330 | 3,728 |
| Average equity | $9,538,330 | 4,365 |
| Average total loans | $58,889,000 | 4,074 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4643% | 5,070 |
| Cost of funding earning assets | 0.6845% | 3,129 |
| Net interest margin | 2.7798% | 5,004 |
| Noninterest income to average assets | 0.5654% | 2,202 |
| Noninterest expense to average assets | 2.1212% | 4,426 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9021% | 3,228 |
| Return on assets (ROA) | 0.9021% | 3,275 |
| Pretax return on assets | 1.0459% | 3,297 |
| Return on Equity (ROE) | 11.8876% | 1,576 |
| Retained earnings to average equity (ytd only) | 3.2734% | 3,615 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9763% | 2,799 |
| Assets per employee ($millions) | 5.1049% | 2,393 |
| Cash dividends to net income (ytd only)* | 72.4638% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 3,363 |
| Loan loss allowance to noncurrent loans | 4,815.3846% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 4,824 |
| Noncurrent loans to loans | 0.0220% | 4,681 |
| Net loans and leases to total assets | 45.8471% | 4,675 |
| Net loans and leases to deposits | 52.4001% | 4,739 |
| Net loans and leases to core deposits | 52.8994% | 4,816 |
| Total domestic deposits to total assets | 87.4943% | 1,574 |
| Equity capital to assets | 7.5246% | 5,265 |
| Core capital (leverage) ratio | 8.1940% | 5,143 |
| Tier 1 risk-based capital ratio | 12.8059% | 3,977 |
| Total risk-based capital ratio | 13.6221% | 4,120 |
| Memoranda: | ||
| Average total assets | $122,385,000 | 3,759 |
| Average earning assets | $114,540,000 | 3,739 |
| Average equity | $9,287,000 | 4,424 |
| Average total loans | $58,823,000 | 4,114 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4545% | 4,959 |
| Cost of funding earning assets | 0.5066% | 3,305 |
| Net interest margin | 2.9479% | 4,853 |
| Noninterest income to average assets | 0.6287% | 2,153 |
| Noninterest expense to average assets | 2.1310% | 4,490 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1459% | 2,408 |
| Return on assets (ROA) | 1.1459% | 2,405 |
| Pretax return on assets | 1.2500% | 2,695 |
| Return on Equity (ROE) | 12.7134% | 1,462 |
| Retained earnings to average equity (ytd only) | -19.6245% | 5,371 |
| Net charge-offs to loans | 0.0018% | 3,686 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 1,501.0000% | 74 |
| Efficiency ratio | 63.0296% | 3,340 |
| Assets per employee ($millions) | 4.8812% | 2,641 |
| Cash dividends to net income (ytd only)* | 254.3605% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 3,271 |
| Loan loss allowance to noncurrent loans | 5,216.6667% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 4,851 |
| Noncurrent loans to loans | 0.0205% | 4,699 |
| Net loans and leases to total assets | 49.4101% | 4,561 |
| Net loans and leases to deposits | 55.2150% | 4,697 |
| Net loans and leases to core deposits | 55.7753% | 4,788 |
| Total domestic deposits to total assets | 89.4868% | 666 |
| Equity capital to assets | 7.6578% | 5,251 |
| Core capital (leverage) ratio | 8.2354% | 5,154 |
| Tier 1 risk-based capital ratio | 13.1727% | 3,744 |
| Total risk-based capital ratio | 14.0188% | 3,862 |
| Memoranda: | ||
| Average total assets | $120,083,200 | 3,784 |
| Average earning assets | $112,115,400 | 3,776 |
| Average equity | $10,823,200 | 4,184 |
| Average total loans | $56,526,400 | 4,175 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4076% | 5,027 |
| Cost of funding earning assets | 0.4705% | 3,390 |
| Net interest margin | 2.9371% | 4,926 |
| Noninterest income to average assets | 0.6312% | 2,160 |
| Noninterest expense to average assets | 2.1310% | 4,489 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0462% | 2,886 |
| Return on assets (ROA) | 1.0462% | 2,895 |
| Pretax return on assets | 1.2349% | 2,869 |
| Return on Equity (ROE) | 11.1992% | 2,091 |
| Retained earnings to average equity (ytd only) | 5.2925% | 3,064 |
| Net charge-offs to loans | 0.0024% | 3,400 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 1,121.7744% | 71 |
| Efficiency ratio | 63.3115% | 3,290 |
| Assets per employee ($millions) | 4.9626% | 2,512 |
| Cash dividends to net income (ytd only)* | 52.7425% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 3,209 |
| Loan loss allowance to noncurrent loans | 5,216.6667% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 4,965 |
| Noncurrent loans to loans | 0.0210% | 4,814 |
| Net loans and leases to total assets | 47.3708% | 4,743 |
| Net loans and leases to deposits | 52.7813% | 4,861 |
| Net loans and leases to core deposits | 53.5284% | 4,923 |
| Total domestic deposits to total assets | 89.7492% | 586 |
| Equity capital to assets | 9.3541% | 4,223 |
| Core capital (leverage) ratio | 10.4895% | 3,096 |
| Tier 1 risk-based capital ratio | 16.6689% | 2,214 |
| Total risk-based capital ratio | 17.5161% | 2,291 |
| Memoranda: | ||
| Average total assets | $120,817,000 | 3,815 |
| Average earning assets | $112,490,500 | 3,805 |
| Average equity | $11,286,250 | 4,160 |
| Average total loans | $56,030,750 | 4,228 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3557% | 5,085 |
| Cost of funding earning assets | 0.4431% | 3,400 |
| Net interest margin | 2.9127% | 4,997 |
| Noninterest income to average assets | 0.6277% | 2,193 |
| Noninterest expense to average assets | 2.1205% | 4,557 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0380% | 2,861 |
| Return on assets (ROA) | 1.0380% | 2,864 |
| Pretax return on assets | 1.2258% | 2,846 |
| Return on Equity (ROE) | 11.1163% | 2,059 |
| Retained earnings to average equity (ytd only) | 7.5873% | 1,802 |
| Net charge-offs to loans | 0.0072% | 2,873 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 372.0000% | 246 |
| Efficiency ratio | 63.3678% | 3,402 |
| Assets per employee ($millions) | 4.9152% | 2,532 |
| Cash dividends to net income (ytd only)* | 31.7460% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 3,135 |
| Loan loss allowance to noncurrent loans | 4,815.3846% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 4,990 |
| Noncurrent loans to loans | 0.0233% | 4,826 |
| Net loans and leases to total assets | 46.7164% | 4,783 |
| Net loans and leases to deposits | 52.1234% | 4,906 |
| Net loans and leases to core deposits | 52.9996% | 4,959 |
| Total domestic deposits to total assets | 89.6266% | 695 |
| Equity capital to assets | 9.6656% | 3,948 |
| Core capital (leverage) ratio | 10.0189% | 3,556 |
| Tier 1 risk-based capital ratio | 16.9796% | 2,108 |
| Total risk-based capital ratio | 17.8438% | 2,173 |
| Memoranda: | ||
| Average total assets | $121,388,330 | 3,837 |
| Average earning assets | $113,298,670 | 3,823 |
| Average equity | $11,334,670 | 4,181 |
| Average total loans | $55,692,330 | 4,267 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2470% | 5,197 |
| Cost of funding earning assets | 0.3828% | 3,712 |
| Net interest margin | 2.8642% | 5,079 |
| Noninterest income to average assets | 0.6109% | 2,209 |
| Noninterest expense to average assets | 2.0764% | 4,710 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0236% | 2,763 |
| Return on assets (ROA) | 1.0236% | 2,783 |
| Pretax return on assets | 1.2088% | 2,714 |
| Return on Equity (ROE) | 11.1495% | 1,906 |
| Retained earnings to average equity (ytd only) | 4.0704% | 3,573 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2047% | 3,603 |
| Assets per employee ($millions) | 5.0214% | 2,467 |
| Cash dividends to net income (ytd only)* | 63.4921% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 3,272 |
| Loan loss allowance to noncurrent loans | 3,688.2353% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 5,058 |
| Noncurrent loans to loans | 0.0303% | 4,843 |
| Net loans and leases to total assets | 44.1370% | 4,889 |
| Net loans and leases to deposits | 48.7326% | 5,018 |
| Net loans and leases to core deposits | 49.2783% | 5,061 |
| Total domestic deposits to total assets | 90.5699% | 450 |
| Equity capital to assets | 8.8494% | 4,706 |
| Core capital (leverage) ratio | 10.0341% | 3,494 |
| Tier 1 risk-based capital ratio | 16.0648% | 2,442 |
| Total risk-based capital ratio | 16.9053% | 2,553 |
| Memoranda: | ||
| Average total assets | $123,100,000 | 3,848 |
| Average earning assets | $114,936,500 | 3,833 |
| Average equity | $11,301,000 | 4,226 |
| Average total loans | $55,671,000 | 4,312 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2427% | 5,140 |
| Cost of funding earning assets | 0.3040% | 4,097 |
| Net interest margin | 2.9386% | 4,990 |
| Noninterest income to average assets | 0.6139% | 2,387 |
| Noninterest expense to average assets | 2.0962% | 4,774 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9957% | 2,263 |
| Return on assets (ROA) | 0.9957% | 2,300 |
| Pretax return on assets | 1.2353% | 2,610 |
| Return on Equity (ROE) | 10.5789% | 1,646 |
| Retained earnings to average equity (ytd only) | 3.5086% | 3,178 |
| Net charge-offs to loans | 0.0704% | 2,447 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 39.0789% | 1,283 |
| Efficiency ratio | 62.9213% | 3,793 |
| Assets per employee ($millions) | 5.0278% | 2,446 |
| Cash dividends to net income (ytd only)* | 66.8338% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 3,159 |
| Loan loss allowance to noncurrent loans | 216.9550% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.2395% | 3,941 |
| Noncurrent loans to loans | 0.5225% | 2,945 |
| Net loans and leases to total assets | 45.3160% | 4,925 |
| Net loans and leases to deposits | 50.4712% | 5,044 |
| Net loans and leases to core deposits | 51.0637% | 5,098 |
| Total domestic deposits to total assets | 89.7859% | 645 |
| Equity capital to assets | 9.5246% | 4,214 |
| Core capital (leverage) ratio | 9.8087% | 3,689 |
| Tier 1 risk-based capital ratio | 16.2941% | 2,334 |
| Total risk-based capital ratio | 17.1550% | 2,410 |
| Memoranda: | ||
| Average total assets | $120,217,400 | 3,891 |
| Average earning assets | $111,174,400 | 3,896 |
| Average equity | $11,315,000 | 4,253 |
| Average total loans | $54,008,800 | 4,364 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2242% | 5,204 |
| Cost of funding earning assets | 0.2881% | 4,241 |
| Net interest margin | 2.9362% | 5,047 |
| Noninterest income to average assets | 0.6150% | 2,390 |
| Noninterest expense to average assets | 2.0859% | 4,763 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9514% | 2,771 |
| Return on assets (ROA) | 0.9514% | 2,833 |
| Pretax return on assets | 1.2333% | 2,775 |
| Return on Equity (ROE) | 10.1383% | 2,067 |
| Retained earnings to average equity (ytd only) | 3.0403% | 4,100 |
| Net charge-offs to loans | 0.0224% | 3,019 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 123.4417% | 616 |
| Efficiency ratio | 62.8428% | 3,745 |
| Assets per employee ($millions) | 4.9975% | 2,448 |
| Cash dividends to net income (ytd only)* | 70.0116% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 2,736 |
| Loan loss allowance to noncurrent loans | 2,262.0690% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 5,129 |
| Noncurrent loans to loans | 0.0544% | 4,868 |
| Net loans and leases to total assets | 43.8853% | 5,034 |
| Net loans and leases to deposits | 50.1960% | 5,122 |
| Net loans and leases to core deposits | 50.6793% | 5,177 |
| Total domestic deposits to total assets | 87.4279% | 1,657 |
| Equity capital to assets | 9.6582% | 4,285 |
| Core capital (leverage) ratio | 10.0045% | 3,558 |
| Tier 1 risk-based capital ratio | 16.3923% | 2,355 |
| Total risk-based capital ratio | 17.3090% | 2,418 |
| Memoranda: | ||
| Average total assets | $120,105,250 | 3,932 |
| Average earning assets | $110,617,750 | 3,941 |
| Average equity | $11,270,500 | 4,303 |
| Average total loans | $53,684,000 | 4,408 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1716% | 5,274 |
| Cost of funding earning assets | 0.2759% | 4,326 |
| Net interest margin | 2.8957% | 5,105 |
| Noninterest income to average assets | 0.6009% | 2,449 |
| Noninterest expense to average assets | 2.0806% | 4,806 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9204% | 2,804 |
| Return on assets (ROA) | 0.9204% | 2,862 |
| Pretax return on assets | 1.1934% | 2,790 |
| Return on Equity (ROE) | 9.9051% | 2,076 |
| Retained earnings to average equity (ytd only) | 4.5316% | 3,014 |
| Net charge-offs to loans | 0.0297% | 2,611 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 89.6250% | 701 |
| Efficiency ratio | 63.5486% | 3,753 |
| Assets per employee ($millions) | 4.9957% | 2,393 |
| Cash dividends to net income (ytd only)* | 54.2495% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 2,974 |
| Loan loss allowance to noncurrent loans | 2,265.5172% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 5,175 |
| Noncurrent loans to loans | 0.0533% | 4,921 |
| Net loans and leases to total assets | 44.8731% | 5,002 |
| Net loans and leases to deposits | 50.6010% | 5,116 |
| Net loans and leases to core deposits | 51.0805% | 5,183 |
| Total domestic deposits to total assets | 88.6802% | 1,111 |
| Equity capital to assets | 9.6851% | 4,241 |
| Core capital (leverage) ratio | 9.6816% | 3,915 |
| Tier 1 risk-based capital ratio | 16.3280% | 2,385 |
| Total risk-based capital ratio | 17.2430% | 2,452 |
| Memoranda: | ||
| Average total assets | $120,160,330 | 3,958 |
| Average earning assets | $110,922,670 | 3,964 |
| Average equity | $11,166,000 | 4,334 |
| Average total loans | $53,814,670 | 4,427 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1026% | 5,365 |
| Cost of funding earning assets | 0.2559% | 4,488 |
| Net interest margin | 2.8468% | 5,173 |
| Noninterest income to average assets | 0.6052% | 2,388 |
| Noninterest expense to average assets | 2.0683% | 4,909 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8978% | 2,775 |
| Return on assets (ROA) | 0.8978% | 2,823 |
| Pretax return on assets | 1.1638% | 2,724 |
| Return on Equity (ROE) | 9.8693% | 2,018 |
| Retained earnings to average equity (ytd only) | -1.0966% | 5,081 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9918% | 3,836 |
| Assets per employee ($millions) | 4.8987% | 2,578 |
| Cash dividends to net income (ytd only)* | 111.1111% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 2,936 |
| Loan loss allowance to noncurrent loans | 1,797.2973% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 5,197 |
| Noncurrent loans to loans | 0.0685% | 4,925 |
| Net loans and leases to total assets | 43.5746% | 5,062 |
| Net loans and leases to deposits | 48.3843% | 5,201 |
| Net loans and leases to core deposits | 48.6623% | 5,275 |
| Total domestic deposits to total assets | 90.0594% | 632 |
| Equity capital to assets | 9.0162% | 4,790 |
| Core capital (leverage) ratio | 9.8684% | 3,666 |
| Tier 1 risk-based capital ratio | 15.7101% | 2,658 |
| Total risk-based capital ratio | 16.6232% | 2,737 |
| Memoranda: | ||
| Average total assets | $120,292,500 | 3,991 |
| Average earning assets | $111,002,000 | 3,998 |
| Average equity | $10,943,000 | 4,398 |
| Average total loans | $53,493,000 | 4,468 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2262% | 5,261 |
| Cost of funding earning assets | 0.2712% | 4,354 |
| Net interest margin | 2.9550% | 5,042 |
| Noninterest income to average assets | 0.6082% | 2,617 |
| Noninterest expense to average assets | 2.1339% | 4,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9530% | 2,567 |
| Return on assets (ROA) | 0.9530% | 2,676 |
| Pretax return on assets | 1.2216% | 2,584 |
| Return on Equity (ROE) | 9.8438% | 2,028 |
| Retained earnings to average equity (ytd only) | 5.1903% | 2,210 |
| Net charge-offs to loans | -0.0019% | 4,697 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5941% | 4,014 |
| Assets per employee ($millions) | 4.9215% | 2,484 |
| Cash dividends to net income (ytd only)* | 47.2727% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 2,785 |
| Loan loss allowance to noncurrent loans | 2,216.6667% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 5,284 |
| Noncurrent loans to loans | 0.0567% | 5,022 |
| Net loans and leases to total assets | 44.2705% | 5,100 |
| Net loans and leases to deposits | 49.3009% | 5,237 |
| Net loans and leases to core deposits | 49.4772% | 5,316 |
| Total domestic deposits to total assets | 89.7966% | 726 |
| Equity capital to assets | 9.1807% | 4,600 |
| Core capital (leverage) ratio | 9.7520% | 3,802 |
| Tier 1 risk-based capital ratio | 15.9996% | 2,546 |
| Total risk-based capital ratio | 16.9270% | 2,604 |
| Memoranda: | ||
| Average total assets | $115,424,000 | 4,074 |
| Average earning assets | $107,309,600 | 4,053 |
| Average equity | $11,174,600 | 4,402 |
| Average total loans | $51,657,200 | 4,531 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2354% | 5,310 |
| Cost of funding earning assets | 0.2702% | 4,391 |
| Net interest margin | 2.9652% | 5,073 |
| Noninterest income to average assets | 0.6088% | 2,616 |
| Noninterest expense to average assets | 2.1449% | 4,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9144% | 2,837 |
| Return on assets (ROA) | 0.9144% | 2,963 |
| Pretax return on assets | 1.2305% | 2,703 |
| Return on Equity (ROE) | 9.3212% | 2,353 |
| Retained earnings to average equity (ytd only) | 3.1623% | 4,020 |
| Net charge-offs to loans | 0.0078% | 3,649 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 352.9900% | 248 |
| Efficiency ratio | 63.5456% | 3,993 |
| Assets per employee ($millions) | 4.8491% | 2,564 |
| Cash dividends to net income (ytd only)* | 66.0739% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 2,822 |
| Loan loss allowance to noncurrent loans | 2,279.3103% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 5,407 |
| Noncurrent loans to loans | 0.0559% | 5,130 |
| Net loans and leases to total assets | 44.0114% | 5,188 |
| Net loans and leases to deposits | 49.5905% | 5,318 |
| Net loans and leases to core deposits | 49.7726% | 5,393 |
| Total domestic deposits to total assets | 88.7497% | 1,026 |
| Equity capital to assets | 9.8403% | 4,313 |
| Core capital (leverage) ratio | 10.0011% | 3,566 |
| Tier 1 risk-based capital ratio | 16.0666% | 2,597 |
| Total risk-based capital ratio | 17.0182% | 2,654 |
| Memoranda: | ||
| Average total assets | $114,750,750 | 4,115 |
| Average earning assets | $107,062,250 | 4,083 |
| Average equity | $11,257,250 | 4,420 |
| Average total loans | $51,332,500 | 4,578 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2234% | 5,400 |
| Cost of funding earning assets | 0.2737% | 4,404 |
| Net interest margin | 2.9497% | 5,170 |
| Noninterest income to average assets | 0.6112% | 2,566 |
| Noninterest expense to average assets | 2.1487% | 4,955 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9159% | 2,787 |
| Return on assets (ROA) | 0.9159% | 2,917 |
| Pretax return on assets | 1.2363% | 2,648 |
| Return on Equity (ROE) | 9.3457% | 2,336 |
| Retained earnings to average equity (ytd only) | 4.5210% | 3,035 |
| Net charge-offs to loans | -0.0039% | 4,477 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4765% | 4,108 |
| Assets per employee ($millions) | 4.4386% | 3,134 |
| Cash dividends to net income (ytd only)* | 51.6252% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 2,789 |
| Loan loss allowance to noncurrent loans | 2,293.1034% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 5,397 |
| Noncurrent loans to loans | 0.0567% | 5,230 |
| Net loans and leases to total assets | 45.5130% | 5,159 |
| Net loans and leases to deposits | 51.6010% | 5,264 |
| Net loans and leases to core deposits | 51.9412% | 5,364 |
| Total domestic deposits to total assets | 88.2018% | 1,323 |
| Equity capital to assets | 10.4131% | 3,730 |
| Core capital (leverage) ratio | 9.6492% | 4,000 |
| Tier 1 risk-based capital ratio | 16.1989% | 2,546 |
| Total risk-based capital ratio | 17.1654% | 2,626 |
| Memoranda: | ||
| Average total assets | $114,208,000 | 4,150 |
| Average earning assets | $107,402,330 | 4,108 |
| Average equity | $11,192,330 | 4,458 |
| Average total loans | $51,149,670 | 4,609 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0882% | 5,618 |
| Cost of funding earning assets | 0.2644% | 4,555 |
| Net interest margin | 2.8238% | 5,437 |
| Noninterest income to average assets | 0.5664% | 2,706 |
| Noninterest expense to average assets | 2.1100% | 5,096 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8288% | 3,104 |
| Return on assets (ROA) | 0.8288% | 3,233 |
| Pretax return on assets | 1.1120% | 3,045 |
| Return on Equity (ROE) | 8.7186% | 2,553 |
| Retained earnings to average equity (ytd only) | -1.0898% | 5,292 |
| Net charge-offs to loans | -0.0078% | 4,435 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4877% | 3,879 |
| Assets per employee ($millions) | 4.9197% | 2,430 |
| Cash dividends to net income (ytd only)* | 112.5000% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 2,854 |
| Loan loss allowance to noncurrent loans | 2,293.1034% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 5,459 |
| Noncurrent loans to loans | 0.0571% | 5,253 |
| Net loans and leases to total assets | 42.4526% | 5,328 |
| Net loans and leases to deposits | 47.3897% | 5,448 |
| Net loans and leases to core deposits | 47.6492% | 5,526 |
| Total domestic deposits to total assets | 89.5819% | 795 |
| Equity capital to assets | 9.3959% | 4,770 |
| Core capital (leverage) ratio | 9.6377% | 3,982 |
| Tier 1 risk-based capital ratio | 15.8899% | 2,741 |
| Total risk-based capital ratio | 16.8627% | 2,787 |
| Memoranda: | ||
| Average total assets | $115,829,000 | 4,154 |
| Average earning assets | $108,932,000 | 4,107 |
| Average equity | $11,011,000 | 4,504 |
| Average total loans | $51,140,000 | 4,642 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1549% | 5,569 |
| Cost of funding earning assets | 0.3017% | 4,231 |
| Net interest margin | 2.8532% | 5,416 |
| Noninterest income to average assets | 0.6124% | 2,656 |
| Noninterest expense to average assets | 2.1137% | 5,231 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8631% | 3,051 |
| Return on assets (ROA) | 0.8631% | 3,127 |
| Pretax return on assets | 1.1466% | 2,858 |
| Return on Equity (ROE) | 9.1987% | 2,368 |
| Retained earnings to average equity (ytd only) | 6.3567% | 1,626 |
| Net charge-offs to loans | 0.0154% | 3,979 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 161.2500% | 400 |
| Efficiency ratio | 64.8310% | 4,111 |
| Assets per employee ($millions) | 4.7327% | 2,686 |
| Cash dividends to net income (ytd only)* | 30.8960% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 2,964 |
| Loan loss allowance to noncurrent loans | 2,289.6552% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 5,508 |
| Noncurrent loans to loans | 0.0563% | 5,293 |
| Net loans and leases to total assets | 44.7471% | 5,242 |
| Net loans and leases to deposits | 49.9754% | 5,396 |
| Net loans and leases to core deposits | 50.2591% | 5,490 |
| Total domestic deposits to total assets | 89.5382% | 832 |
| Equity capital to assets | 9.6210% | 4,407 |
| Core capital (leverage) ratio | 9.6133% | 4,032 |
| Tier 1 risk-based capital ratio | 15.9669% | 2,703 |
| Total risk-based capital ratio | 16.9403% | 2,771 |
| Memoranda: | ||
| Average total assets | $112,503,800 | 4,209 |
| Average earning assets | $104,410,600 | 4,179 |
| Average equity | $10,555,800 | 4,559 |
| Average total loans | $51,968,000 | 4,609 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1686% | 5,626 |
| Cost of funding earning assets | 0.3090% | 4,237 |
| Net interest margin | 2.8596% | 5,476 |
| Noninterest income to average assets | 0.6166% | 2,654 |
| Noninterest expense to average assets | 2.1360% | 5,199 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8209% | 3,332 |
| Return on assets (ROA) | 0.8209% | 3,417 |
| Pretax return on assets | 1.1298% | 3,101 |
| Return on Equity (ROE) | 8.8056% | 2,676 |
| Retained earnings to average equity (ytd only) | 6.4481% | 1,991 |
| Net charge-offs to loans | 0.0205% | 3,530 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 118.8351% | 539 |
| Efficiency ratio | 65.4056% | 3,989 |
| Assets per employee ($millions) | 4.8885% | 2,438 |
| Cash dividends to net income (ytd only)* | 26.7727% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 2,998 |
| Loan loss allowance to noncurrent loans | 2,289.6552% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 5,602 |
| Noncurrent loans to loans | 0.0575% | 5,387 |
| Net loans and leases to total assets | 44.2269% | 5,347 |
| Net loans and leases to deposits | 49.6798% | 5,485 |
| Net loans and leases to core deposits | 50.2664% | 5,571 |
| Total domestic deposits to total assets | 89.0240% | 1,017 |
| Equity capital to assets | 9.6215% | 4,611 |
| Core capital (leverage) ratio | 9.9097% | 3,758 |
| Tier 1 risk-based capital ratio | 15.9079% | 2,842 |
| Total risk-based capital ratio | 16.8926% | 2,908 |
| Memoranda: | ||
| Average total assets | $112,233,500 | 4,262 |
| Average earning assets | $103,976,000 | 4,240 |
| Average equity | $10,462,750 | 4,627 |
| Average total loans | $52,087,500 | 4,658 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1319% | 5,702 |
| Cost of funding earning assets | 0.3170% | 4,199 |
| Net interest margin | 2.8149% | 5,582 |
| Noninterest income to average assets | 0.6152% | 2,653 |
| Noninterest expense to average assets | 2.1219% | 5,290 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8006% | 3,383 |
| Return on assets (ROA) | 0.8006% | 3,475 |
| Pretax return on assets | 1.1055% | 3,147 |
| Return on Equity (ROE) | 8.6811% | 2,711 |
| Retained earnings to average equity (ytd only) | 7.3277% | 1,560 |
| Net charge-offs to loans | 0.0304% | 3,052 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 77.5000% | 720 |
| Efficiency ratio | 65.7459% | 4,056 |
| Assets per employee ($millions) | 4.7417% | 2,619 |
| Cash dividends to net income (ytd only)* | 15.5902% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 3,240 |
| Loan loss allowance to noncurrent loans | 2,289.6552% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 5,683 |
| Noncurrent loans to loans | 0.0568% | 5,508 |
| Net loans and leases to total assets | 46.2126% | 5,230 |
| Net loans and leases to deposits | 51.7699% | 5,397 |
| Net loans and leases to core deposits | 52.3980% | 5,519 |
| Total domestic deposits to total assets | 89.2654% | 1,017 |
| Equity capital to assets | 9.5444% | 4,599 |
| Core capital (leverage) ratio | 9.2830% | 4,575 |
| Tier 1 risk-based capital ratio | 15.8807% | 2,913 |
| Total risk-based capital ratio | 16.8754% | 2,990 |
| Memoranda: | ||
| Average total assets | $112,166,000 | 4,293 |
| Average earning assets | $104,090,670 | 4,268 |
| Average equity | $10,344,330 | 4,678 |
| Average total loans | $52,653,000 | 4,683 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0887% | 5,794 |
| Cost of funding earning assets | 0.3131% | 4,298 |
| Net interest margin | 2.7756% | 5,694 |
| Noninterest income to average assets | 0.6191% | 2,551 |
| Noninterest expense to average assets | 2.0753% | 5,439 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7914% | 3,312 |
| Return on assets (ROA) | 0.7914% | 3,444 |
| Pretax return on assets | 1.1010% | 3,072 |
| Return on Equity (ROE) | 8.7277% | 2,584 |
| Retained earnings to average equity (ytd only) | 6.0124% | 2,502 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3378% | 4,264 |
| Assets per employee ($millions) | 5.0894% | 2,245 |
| Cash dividends to net income (ytd only)* | 31.1111% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 3,691 |
| Loan loss allowance to noncurrent loans | 1,768.4211% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 5,744 |
| Noncurrent loans to loans | 0.0706% | 5,490 |
| Net loans and leases to total assets | 45.3817% | 5,246 |
| Net loans and leases to deposits | 50.2944% | 5,439 |
| Net loans and leases to core deposits | 50.9500% | 5,546 |
| Total domestic deposits to total assets | 90.2320% | 637 |
| Equity capital to assets | 8.9530% | 5,343 |
| Core capital (leverage) ratio | 9.4872% | 4,296 |
| Tier 1 risk-based capital ratio | 15.3337% | 3,242 |
| Total risk-based capital ratio | 16.3268% | 3,309 |
| Memoranda: | ||
| Average total assets | $113,719,500 | 4,293 |
| Average earning assets | $104,768,500 | 4,282 |
| Average equity | $10,312,000 | 4,718 |
| Average total loans | $53,448,000 | 4,687 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1914% | 5,845 |
| Cost of funding earning assets | 0.3462% | 4,289 |
| Net interest margin | 2.8452% | 5,735 |
| Noninterest income to average assets | 0.5811% | 2,981 |
| Noninterest expense to average assets | 2.1979% | 5,361 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7383% | 3,687 |
| Return on assets (ROA) | 0.7475% | 3,735 |
| Pretax return on assets | 1.0340% | 3,374 |
| Return on Equity (ROE) | 8.5395% | 2,819 |
| Retained earnings to average equity (ytd only) | 5.1113% | 2,516 |
| Net charge-offs to loans | 0.0554% | 3,722 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 40.1071% | 1,082 |
| Efficiency ratio | 68.2768% | 3,851 |
| Assets per employee ($millions) | 4.4153% | 3,166 |
| Cash dividends to net income (ytd only)* | 40.1460% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 3,619 |
| Loan loss allowance to noncurrent loans | 1,768.4211% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0516% | 5,814 |
| Noncurrent loans to loans | 0.0716% | 5,591 |
| Net loans and leases to total assets | 47.4983% | 5,201 |
| Net loans and leases to deposits | 52.7555% | 5,429 |
| Net loans and leases to core deposits | 53.4858% | 5,529 |
| Total domestic deposits to total assets | 90.0347% | 719 |
| Equity capital to assets | 9.1898% | 5,085 |
| Core capital (leverage) ratio | 8.9625% | 5,047 |
| Tier 1 risk-based capital ratio | 15.7939% | 3,066 |
| Total risk-based capital ratio | 16.8323% | 3,119 |
| Memoranda: | ||
| Average total assets | $109,966,600 | 4,383 |
| Average earning assets | $101,961,800 | 4,358 |
| Average equity | $9,625,800 | 4,835 |
| Average total loans | $50,500,000 | 4,802 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1315% | 5,980 |
| Cost of funding earning assets | 0.3458% | 4,387 |
| Net interest margin | 2.7858% | 5,891 |
| Noninterest income to average assets | 0.6566% | 2,543 |
| Noninterest expense to average assets | 2.1529% | 5,458 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7597% | 3,627 |
| Return on assets (ROA) | 0.7597% | 3,719 |
| Pretax return on assets | 1.0947% | 3,208 |
| Return on Equity (ROE) | 8.7893% | 2,792 |
| Retained earnings to average equity (ytd only) | 5.5600% | 2,700 |
| Net charge-offs to loans | 0.0776% | 3,091 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 31.1001% | 1,339 |
| Efficiency ratio | 66.2930% | 4,171 |
| Assets per employee ($millions) | 4.7204% | 2,635 |
| Cash dividends to net income (ytd only)* | 36.7411% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 3,357 |
| Loan loss allowance to noncurrent loans | 512.2137% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.5711% | 4,137 |
| Noncurrent loans to loans | 0.2653% | 5,115 |
| Net loans and leases to total assets | 42.9936% | 5,598 |
| Net loans and leases to deposits | 50.5626% | 5,613 |
| Net loans and leases to core deposits | 50.9658% | 5,745 |
| Total domestic deposits to total assets | 85.0303% | 3,328 |
| Equity capital to assets | 8.6293% | 5,696 |
| Core capital (leverage) ratio | 9.0065% | 5,062 |
| Tier 1 risk-based capital ratio | 15.2653% | 3,434 |
| Total risk-based capital ratio | 16.2769% | 3,506 |
| Memoranda: | ||
| Average total assets | $109,862,500 | 4,423 |
| Average earning assets | $102,184,250 | 4,385 |
| Average equity | $9,496,250 | 4,903 |
| Average total loans | $49,849,500 | 4,870 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0805% | 6,088 |
| Cost of funding earning assets | 0.3521% | 4,414 |
| Net interest margin | 2.7284% | 6,018 |
| Noninterest income to average assets | 0.6531% | 2,522 |
| Noninterest expense to average assets | 2.1744% | 5,476 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7082% | 3,795 |
| Return on assets (ROA) | 0.7082% | 3,890 |
| Pretax return on assets | 1.0302% | 3,356 |
| Return on Equity (ROE) | 8.1889% | 2,994 |
| Retained earnings to average equity (ytd only) | 4.9984% | 2,958 |
| Net charge-offs to loans | 0.1160% | 2,503 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 19.3103% | 1,633 |
| Efficiency ratio | 67.8530% | 4,034 |
| Assets per employee ($millions) | 4.4521% | 3,004 |
| Cash dividends to net income (ytd only)* | 38.9610% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 3,477 |
| Loan loss allowance to noncurrent loans | 2,236.6667% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.5110% | 4,474 |
| Noncurrent loans to loans | 0.0614% | 5,843 |
| Net loans and leases to total assets | 45.0819% | 5,456 |
| Net loans and leases to deposits | 51.0930% | 5,556 |
| Net loans and leases to core deposits | 51.5082% | 5,695 |
| Total domestic deposits to total assets | 88.2349% | 1,764 |
| Equity capital to assets | 9.0847% | 5,214 |
| Core capital (leverage) ratio | 9.0234% | 4,985 |
| Tier 1 risk-based capital ratio | 15.3458% | 3,444 |
| Total risk-based capital ratio | 16.3792% | 3,513 |
| Memoranda: | ||
| Average total assets | $108,720,330 | 4,471 |
| Average earning assets | $101,672,330 | 4,420 |
| Average equity | $9,403,000 | 4,934 |
| Average total loans | $50,006,670 | 4,896 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0078% | 6,238 |
| Cost of funding earning assets | 0.3529% | 4,508 |
| Net interest margin | 2.6549% | 6,171 |
| Noninterest income to average assets | 0.6128% | 2,659 |
| Noninterest expense to average assets | 2.1631% | 5,551 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6274% | 4,054 |
| Return on assets (ROA) | 0.6274% | 4,138 |
| Pretax return on assets | 0.9192% | 3,628 |
| Return on Equity (ROE) | 7.4370% | 3,241 |
| Retained earnings to average equity (ytd only) | 4.4103% | 3,481 |
| Net charge-offs to loans | 0.0079% | 3,476 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 252.0000% | 190 |
| Efficiency ratio | 70.1775% | 3,808 |
| Assets per employee ($millions) | 4.4468% | 3,061 |
| Cash dividends to net income (ytd only)* | 40.6977% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 3,562 |
| Loan loss allowance to noncurrent loans | 862.9630% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 4,594 |
| Noncurrent loans to loans | 0.1632% | 5,595 |
| Net loans and leases to total assets | 44.0218% | 5,511 |
| Net loans and leases to deposits | 48.7299% | 5,689 |
| Net loans and leases to core deposits | 49.1005% | 5,821 |
| Total domestic deposits to total assets | 90.3382% | 897 |
| Equity capital to assets | 8.4771% | 5,676 |
| Core capital (leverage) ratio | 9.2033% | 4,717 |
| Tier 1 risk-based capital ratio | 16.5538% | 2,869 |
| Total risk-based capital ratio | 17.7310% | 2,879 |
| Memoranda: | ||
| Average total assets | $109,655,500 | 4,491 |
| Average earning assets | $102,000,000 | 4,450 |
| Average equity | $9,251,000 | 4,989 |
| Average total loans | $50,589,500 | 4,910 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0605% | 6,280 |
| Cost of funding earning assets | 0.3947% | 4,707 |
| Net interest margin | 2.6658% | 6,180 |
| Noninterest income to average assets | 0.7019% | 2,533 |
| Noninterest expense to average assets | 2.0715% | 5,892 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7517% | 3,540 |
| Return on assets (ROA) | 0.7517% | 3,636 |
| Pretax return on assets | 1.1031% | 2,937 |
| Return on Equity (ROE) | 8.8838% | 2,600 |
| Retained earnings to average equity (ytd only) | 4.5237% | 2,954 |
| Net charge-offs to loans | 0.0223% | 4,984 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 108.7273% | 433 |
| Efficiency ratio | 65.2528% | 4,692 |
| Assets per employee ($millions) | 4.7018% | 2,583 |
| Cash dividends to net income (ytd only)* | 49.0798% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 3,850 |
| Loan loss allowance to noncurrent loans | 833.3333% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.5373% | 4,620 |
| Noncurrent loans to loans | 0.1630% | 5,707 |
| Net loans and leases to total assets | 47.0136% | 5,391 |
| Net loans and leases to deposits | 51.8104% | 5,635 |
| Net loans and leases to core deposits | 52.2126% | 5,782 |
| Total domestic deposits to total assets | 90.7417% | 687 |
| Equity capital to assets | 8.3946% | 5,699 |
| Core capital (leverage) ratio | 9.2005% | 4,722 |
| Tier 1 risk-based capital ratio | 15.7234% | 3,238 |
| Total risk-based capital ratio | 16.8547% | 3,262 |
| Memoranda: | ||
| Average total assets | $108,425,800 | 4,538 |
| Average earning assets | $100,571,600 | 4,494 |
| Average equity | $9,174,000 | 5,047 |
| Average total loans | $49,424,000 | 4,986 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0310% | 6,393 |
| Cost of funding earning assets | 0.3989% | 4,824 |
| Net interest margin | 2.6321% | 6,274 |
| Noninterest income to average assets | 0.6992% | 2,614 |
| Noninterest expense to average assets | 2.0928% | 5,844 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7078% | 3,814 |
| Return on assets (ROA) | 0.7078% | 3,952 |
| Pretax return on assets | 1.0556% | 3,280 |
| Return on Equity (ROE) | 8.3494% | 2,947 |
| Retained earnings to average equity (ytd only) | 4.0008% | 3,853 |
| Net charge-offs to loans | 0.0300% | 4,531 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 78.0709% | 608 |
| Efficiency ratio | 66.4715% | 4,403 |
| Assets per employee ($millions) | 4.6207% | 2,684 |
| Cash dividends to net income (ytd only)* | 52.0834% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4577% | 3,652 |
| Loan loss allowance to noncurrent loans | 700.0000% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.5618% | 4,766 |
| Noncurrent loans to loans | 0.2082% | 5,722 |
| Net loans and leases to total assets | 44.5269% | 5,680 |
| Net loans and leases to deposits | 49.6261% | 5,862 |
| Net loans and leases to core deposits | 50.0211% | 6,016 |
| Total domestic deposits to total assets | 89.7248% | 1,157 |
| Equity capital to assets | 8.5232% | 5,715 |
| Core capital (leverage) ratio | 9.2493% | 4,758 |
| Tier 1 risk-based capital ratio | 16.5768% | 2,907 |
| Total risk-based capital ratio | 17.7868% | 2,884 |
| Memoranda: | ||
| Average total assets | $108,497,000 | 4,573 |
| Average earning assets | $100,955,000 | 4,528 |
| Average equity | $9,198,000 | 5,088 |
| Average total loans | $48,894,750 | 5,049 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0054% | 6,445 |
| Cost of funding earning assets | 0.4015% | 4,926 |
| Net interest margin | 2.6039% | 6,331 |
| Noninterest income to average assets | 0.6646% | 2,828 |
| Noninterest expense to average assets | 2.0616% | 5,939 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6866% | 3,868 |
| Return on assets (ROA) | 0.6866% | 4,039 |
| Pretax return on assets | 1.0253% | 3,395 |
| Return on Equity (ROE) | 8.1128% | 3,033 |
| Retained earnings to average equity (ytd only) | 3.7860% | 3,889 |
| Net charge-offs to loans | 0.0081% | 4,722 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 280.0000% | 181 |
| Efficiency ratio | 66.7853% | 4,400 |
| Assets per employee ($millions) | 4.7072% | 2,500 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 3,850 |
| Loan loss allowance to noncurrent loans | 1,865.7895% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.4942% | 5,026 |
| Noncurrent loans to loans | 0.0772% | 6,165 |
| Net loans and leases to total assets | 44.8344% | 5,657 |
| Net loans and leases to deposits | 50.1519% | 5,829 |
| Net loans and leases to core deposits | 50.5446% | 5,990 |
| Total domestic deposits to total assets | 89.3973% | 1,379 |
| Equity capital to assets | 8.2686% | 5,998 |
| Core capital (leverage) ratio | 8.6494% | 5,484 |
| Tier 1 risk-based capital ratio | 16.1208% | 3,127 |
| Total risk-based capital ratio | 17.3253% | 3,093 |
| Memoranda: | ||
| Average total assets | $109,237,670 | 4,579 |
| Average earning assets | $101,617,000 | 4,528 |
| Average equity | $9,244,670 | 5,117 |
| Average total loans | $49,186,000 | 5,059 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9642% | 6,550 |
| Cost of funding earning assets | 0.4065% | 5,041 |
| Net interest margin | 2.5576% | 6,431 |
| Noninterest income to average assets | 0.7145% | 2,515 |
| Noninterest expense to average assets | 2.0597% | 5,986 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6781% | 3,793 |
| Return on assets (ROA) | 0.6781% | 3,948 |
| Pretax return on assets | 1.0171% | 3,275 |
| Return on Equity (ROE) | 7.9225% | 3,020 |
| Retained earnings to average equity (ytd only) | 3.6631% | 4,043 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9431% | 4,499 |
| Assets per employee ($millions) | 4.5775% | 2,840 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 3,865 |
| Loan loss allowance to noncurrent loans | 1,823.0769% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.4955% | 5,139 |
| Noncurrent loans to loans | 0.0818% | 6,238 |
| Net loans and leases to total assets | 41.0423% | 5,918 |
| Net loans and leases to deposits | 45.5500% | 6,082 |
| Net loans and leases to core deposits | 45.6616% | 6,229 |
| Total domestic deposits to total assets | 90.1038% | 982 |
| Equity capital to assets | 8.2350% | 6,230 |
| Core capital (leverage) ratio | 8.8862% | 5,077 |
| Tier 1 risk-based capital ratio | 16.4776% | 3,015 |
| Total risk-based capital ratio | 17.7240% | 2,974 |
| Memoranda: | ||
| Average total assets | $109,724,000 | 4,617 |
| Average earning assets | $101,344,000 | 4,579 |
| Average equity | $9,391,000 | 5,137 |
| Average total loans | $49,154,500 | 5,086 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3911% | 6,494 |
| Cost of funding earning assets | 0.5178% | 5,089 |
| Net interest margin | 2.8733% | 6,274 |
| Noninterest income to average assets | 1.4548% | 741 |
| Noninterest expense to average assets | 2.4954% | 5,112 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0513% | 2,118 |
| Return on assets (ROA) | 1.0513% | 2,313 |
| Pretax return on assets | 1.6054% | 1,369 |
| Return on Equity (ROE) | 12.2605% | 1,426 |
| Retained earnings to average equity (ytd only) | 7.7571% | 1,208 |
| Net charge-offs to loans | 0.0116% | 5,760 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 277.1667% | 141 |
| Efficiency ratio | 60.4991% | 5,468 |
| Assets per employee ($millions) | 4.7732% | 2,533 |
| Cash dividends to net income (ytd only)* | 36.7309% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 4,155 |
| Loan loss allowance to noncurrent loans | 2,451.7241% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.5399% | 5,125 |
| Noncurrent loans to loans | 0.0573% | 6,347 |
| Net loans and leases to total assets | 47.5374% | 5,460 |
| Net loans and leases to deposits | 53.4969% | 5,694 |
| Net loans and leases to core deposits | 53.4969% | 5,914 |
| Total domestic deposits to total assets | 88.8601% | 1,669 |
| Equity capital to assets | 8.9115% | 5,618 |
| Core capital (leverage) ratio | 8.8209% | 5,147 |
| Tier 1 risk-based capital ratio | 15.8189% | 3,261 |
| Total risk-based capital ratio | 17.0264% | 3,238 |
| Memoranda: | ||
| Average total assets | $103,589,600 | 4,742 |
| Average earning assets | $95,395,600 | 4,713 |
| Average equity | $8,882,200 | 5,255 |
| Average total loans | $51,551,600 | 5,042 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4220% | 6,602 |
| Cost of funding earning assets | 0.5272% | 5,264 |
| Net interest margin | 2.8948% | 6,366 |
| Noninterest income to average assets | 1.6338% | 565 |
| Noninterest expense to average assets | 2.5792% | 4,808 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1185% | 2,030 |
| Return on assets (ROA) | 1.1185% | 2,223 |
| Pretax return on assets | 1.7281% | 1,208 |
| Return on Equity (ROE) | 13.1759% | 1,294 |
| Retained earnings to average equity (ytd only) | 7.0901% | 2,071 |
| Net charge-offs to loans | 0.0026% | 5,733 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1,341.3233% | 25 |
| Efficiency ratio | 59.4003% | 5,599 |
| Assets per employee ($millions) | 4.4877% | 2,934 |
| Cash dividends to net income (ytd only)* | 46.1893% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 4,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5212% | 5,373 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 47.3027% | 5,626 |
| Net loans and leases to deposits | 53.6156% | 5,834 |
| Net loans and leases to core deposits | 53.6156% | 6,075 |
| Total domestic deposits to total assets | 88.2257% | 1,892 |
| Equity capital to assets | 8.8659% | 5,959 |
| Core capital (leverage) ratio | 8.7444% | 5,409 |
| Tier 1 risk-based capital ratio | 16.1325% | 3,204 |
| Total risk-based capital ratio | 17.3996% | 3,164 |
| Memoranda: | ||
| Average total assets | $103,234,500 | 4,796 |
| Average earning assets | $95,342,000 | 4,757 |
| Average equity | $8,763,250 | 5,336 |
| Average total loans | $51,782,000 | 5,086 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4529% | 6,666 |
| Cost of funding earning assets | 0.5372% | 5,394 |
| Net interest margin | 2.9158% | 6,403 |
| Noninterest income to average assets | 1.2650% | 895 |
| Noninterest expense to average assets | 2.6288% | 4,686 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8795% | 3,000 |
| Return on assets (ROA) | 0.8795% | 3,256 |
| Pretax return on assets | 1.3386% | 2,433 |
| Return on Equity (ROE) | 10.5166% | 2,162 |
| Retained earnings to average equity (ytd only) | 1.2509% | 5,574 |
| Net charge-offs to loans | 0.0076% | 5,375 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 345.5000% | 119 |
| Efficiency ratio | 65.4785% | 4,627 |
| Assets per employee ($millions) | 4.6687% | 2,612 |
| Cash dividends to net income (ytd only)* | 88.1057% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4139% | 4,407 |
| Loan loss allowance to noncurrent loans | 10,214.2857% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.5075% | 5,495 |
| Noncurrent loans to loans | 0.0138% | 6,661 |
| Net loans and leases to total assets | 46.4276% | 5,786 |
| Net loans and leases to deposits | 51.9583% | 6,029 |
| Net loans and leases to core deposits | 51.9583% | 6,241 |
| Total domestic deposits to total assets | 89.3556% | 1,300 |
| Equity capital to assets | 8.1244% | 6,505 |
| Core capital (leverage) ratio | 7.9278% | 6,340 |
| Tier 1 risk-based capital ratio | 15.2752% | 3,587 |
| Total risk-based capital ratio | 16.5425% | 3,537 |
| Memoranda: | ||
| Average total assets | $103,240,670 | 4,821 |
| Average earning assets | $95,686,670 | 4,777 |
| Average equity | $8,634,000 | 5,370 |
| Average total loans | $52,529,330 | 5,084 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6467% | 6,514 |
| Cost of funding earning assets | 0.5498% | 5,500 |
| Net interest margin | 3.0969% | 6,053 |
| Noninterest income to average assets | 1.3443% | 789 |
| Noninterest expense to average assets | 2.7122% | 4,384 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9726% | 2,586 |
| Return on assets (ROA) | 0.9726% | 2,789 |
| Pretax return on assets | 1.4826% | 1,918 |
| Return on Equity (ROE) | 11.4565% | 1,853 |
| Retained earnings to average equity (ytd only) | -7.1720% | 6,723 |
| Net charge-offs to loans | 0.0075% | 4,628 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 375.0000% | 78 |
| Efficiency ratio | 63.9020% | 4,940 |
| Assets per employee ($millions) | 4.3967% | 3,200 |
| Cash dividends to net income (ytd only)* | 162.6016% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 4,728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 5,584 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 48.8633% | 5,445 |
| Net loans and leases to deposits | 54.8381% | 5,721 |
| Net loans and leases to core deposits | 54.8381% | 5,994 |
| Total domestic deposits to total assets | 89.1045% | 1,636 |
| Equity capital to assets | 8.0666% | 6,473 |
| Core capital (leverage) ratio | 8.4252% | 5,707 |
| Tier 1 risk-based capital ratio | 14.5069% | 4,101 |
| Total risk-based capital ratio | 15.7468% | 4,070 |
| Memoranda: | ||
| Average total assets | $101,171,000 | 4,910 |
| Average earning assets | $93,124,500 | 4,875 |
| Average equity | $8,589,000 | 5,409 |
| Average total loans | $53,509,500 | 5,086 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3206% | 5,697 |
| Cost of funding earning assets | 0.7091% | 5,482 |
| Net interest margin | 3.6115% | 4,683 |
| Noninterest income to average assets | 1.3579% | 702 |
| Noninterest expense to average assets | 2.9498% | 3,767 |
| Loan and lease loss provision to assets | -0.0817% | 7,266 |
| Net operating income to assets | 1.1761% | 1,583 |
| Return on assets (ROA) | 1.1761% | 1,697 |
| Pretax return on assets | 1.7840% | 833 |
| Return on Equity (ROE) | 13.9339% | 944 |
| Retained earnings to average equity (ytd only) | 1.8280% | 4,912 |
| Net charge-offs to loans | 0.0085% | 6,310 |
| Credit loss provision to net charge-offs | -1,600.0000% | 6,891 |
| Earnings coverage of net charge-offs (x) | 333.2000% | 108 |
| Efficiency ratio | 62.7279% | 5,346 |
| Assets per employee ($millions) | 4.2096% | 3,449 |
| Cash dividends to net income (ytd only)* | 86.8810% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 4,857 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5557% | 5,584 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 55.7988% | 4,749 |
| Net loans and leases to deposits | 63.1495% | 5,104 |
| Net loans and leases to core deposits | 63.1495% | 5,548 |
| Total domestic deposits to total assets | 88.3600% | 1,934 |
| Equity capital to assets | 8.9505% | 5,602 |
| Core capital (leverage) ratio | 8.8589% | 5,008 |
| Tier 1 risk-based capital ratio | 14.5298% | 3,954 |
| Total risk-based capital ratio | 15.7526% | 3,948 |
| Memoranda: | ||
| Average total assets | $97,869,400 | 4,951 |
| Average earning assets | $89,270,600 | 4,955 |
| Average equity | $8,260,400 | 5,487 |
| Average total loans | $58,551,000 | 4,918 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3487% | 5,779 |
| Cost of funding earning assets | 0.7434% | 5,501 |
| Net interest margin | 3.6052% | 4,746 |
| Noninterest income to average assets | 1.5421% | 551 |
| Noninterest expense to average assets | 3.1019% | 3,155 |
| Loan and lease loss provision to assets | -0.1087% | 7,360 |
| Net operating income to assets | 1.1359% | 1,864 |
| Return on assets (ROA) | 1.1359% | 1,979 |
| Pretax return on assets | 1.8302% | 903 |
| Return on Equity (ROE) | 13.6615% | 1,120 |
| Retained earnings to average equity (ytd only) | -2.6800% | 6,380 |
| Net charge-offs to loans | 0.0045% | 6,130 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,879 |
| Earnings coverage of net charge-offs (x) | 632.6929% | 56 |
| Efficiency ratio | 63.6620% | 5,130 |
| Assets per employee ($millions) | 4.1870% | 3,473 |
| Cash dividends to net income (ytd only)* | 119.6171% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 5,145 |
| Loan loss allowance to noncurrent loans | 6,545.4545% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.7373% | 5,312 |
| Noncurrent loans to loans | 0.0194% | 6,894 |
| Net loans and leases to total assets | 58.0779% | 4,503 |
| Net loans and leases to deposits | 67.6010% | 4,679 |
| Net loans and leases to core deposits | 67.6010% | 5,223 |
| Total domestic deposits to total assets | 85.9128% | 3,261 |
| Equity capital to assets | 8.6729% | 6,115 |
| Core capital (leverage) ratio | 8.4206% | 5,825 |
| Tier 1 risk-based capital ratio | 13.8496% | 4,457 |
| Total risk-based capital ratio | 15.0661% | 4,452 |
| Memoranda: | ||
| Average total assets | $98,131,500 | 4,978 |
| Average earning assets | $89,312,750 | 4,975 |
| Average equity | $8,159,000 | 5,551 |
| Average total loans | $59,503,250 | 4,922 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4084% | 5,660 |
| Cost of funding earning assets | 0.7618% | 5,612 |
| Net interest margin | 3.6467% | 4,535 |
| Noninterest income to average assets | 1.4239% | 628 |
| Noninterest expense to average assets | 3.0423% | 3,470 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0776% | 1,945 |
| Return on assets (ROA) | 1.0776% | 2,043 |
| Pretax return on assets | 1.7075% | 1,043 |
| Return on Equity (ROE) | 13.1445% | 1,169 |
| Retained earnings to average equity (ytd only) | -11.5632% | 6,933 |
| Net charge-offs to loans | -0.0066% | 6,621 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3689% | 5,353 |
| Assets per employee ($millions) | 4.1192% | 3,517 |
| Cash dividends to net income (ytd only)* | 187.9699% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 5,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6959% | 5,514 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 61.2887% | 4,027 |
| Net loans and leases to deposits | 70.2167% | 4,413 |
| Net loans and leases to core deposits | 70.2167% | 5,048 |
| Total domestic deposits to total assets | 87.2850% | 2,578 |
| Equity capital to assets | 8.1378% | 6,560 |
| Core capital (leverage) ratio | 7.8519% | 6,457 |
| Tier 1 risk-based capital ratio | 12.2728% | 5,544 |
| Total risk-based capital ratio | 13.5242% | 5,526 |
| Memoranda: | ||
| Average total assets | $98,742,000 | 4,993 |
| Average earning assets | $90,055,000 | 4,991 |
| Average equity | $8,094,670 | 5,583 |
| Average total loans | $60,454,670 | 4,937 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3137% | 5,981 |
| Cost of funding earning assets | 0.7612% | 5,797 |
| Net interest margin | 3.5525% | 4,801 |
| Noninterest income to average assets | 1.3173% | 740 |
| Noninterest expense to average assets | 3.1049% | 3,226 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9607% | 2,312 |
| Return on assets (ROA) | 0.9607% | 2,379 |
| Pretax return on assets | 1.5038% | 1,436 |
| Return on Equity (ROE) | 11.6756% | 1,551 |
| Retained earnings to average equity (ytd only) | -37.5885% | 7,346 |
| Net charge-offs to loans | -0.0133% | 6,446 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7546% | 4,903 |
| Assets per employee ($millions) | 3.9832% | 3,870 |
| Cash dividends to net income (ytd only)* | 421.9409% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 5,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7010% | 5,535 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 60.9345% | 4,091 |
| Net loans and leases to deposits | 69.5020% | 4,429 |
| Net loans and leases to core deposits | 69.5020% | 5,112 |
| Total domestic deposits to total assets | 87.6731% | 2,569 |
| Equity capital to assets | 7.7757% | 6,695 |
| Core capital (leverage) ratio | 7.8539% | 6,414 |
| Tier 1 risk-based capital ratio | 11.7278% | 5,914 |
| Total risk-based capital ratio | 12.9714% | 5,925 |
| Memoranda: | ||
| Average total assets | $98,683,000 | 5,034 |
| Average earning assets | $91,429,500 | 4,990 |
| Average equity | $8,119,500 | 5,571 |
| Average total loans | $59,985,000 | 5,000 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9213% | 4,916 |
| Cost of funding earning assets | 1.0321% | 5,520 |
| Net interest margin | 3.8892% | 3,543 |
| Noninterest income to average assets | 1.5172% | 631 |
| Noninterest expense to average assets | 3.0961% | 3,470 |
| Loan and lease loss provision to assets | 0.7797% | 2,098 |
| Net operating income to assets | 0.8122% | 2,745 |
| Return on assets (ROA) | 0.8122% | 2,878 |
| Pretax return on assets | 1.2529% | 2,072 |
| Return on Equity (ROE) | 9.1035% | 2,252 |
| Retained earnings to average equity (ytd only) | 5.4621% | 2,140 |
| Net charge-offs to loans | 1.1778% | 1,891 |
| Credit loss provision to net charge-offs | 95.8722% | 4,852 |
| Earnings coverage of net charge-offs (x) | 2.4993% | 3,867 |
| Efficiency ratio | 59.7340% | 6,087 |
| Assets per employee ($millions) | 4.0745% | 3,629 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 4,651 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7997% | 5,411 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 58.9915% | 4,846 |
| Net loans and leases to deposits | 67.9402% | 5,110 |
| Net loans and leases to core deposits | 67.9402% | 5,666 |
| Total domestic deposits to total assets | 86.8285% | 2,918 |
| Equity capital to assets | 8.6883% | 5,602 |
| Core capital (leverage) ratio | 9.0785% | 4,397 |
| Tier 1 risk-based capital ratio | 12.9865% | 4,606 |
| Total risk-based capital ratio | 14.2357% | 4,576 |
| Memoranda: | ||
| Average total assets | $92,342,400 | 5,213 |
| Average earning assets | $85,750,400 | 5,151 |
| Average equity | $8,238,600 | 5,646 |
| Average total loans | $63,763,200 | 4,925 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0688% | 4,484 |
| Cost of funding earning assets | 1.0768% | 5,562 |
| Net interest margin | 3.9920% | 3,142 |
| Noninterest income to average assets | 1.4831% | 618 |
| Noninterest expense to average assets | 3.2226% | 2,845 |
| Loan and lease loss provision to assets | 1.0332% | 1,430 |
| Net operating income to assets | 0.6331% | 3,736 |
| Return on assets (ROA) | 0.6331% | 3,905 |
| Pretax return on assets | 0.9379% | 3,419 |
| Return on Equity (ROE) | 7.0464% | 3,327 |
| Retained earnings to average equity (ytd only) | 7.0464% | 1,823 |
| Net charge-offs to loans | 1.5017% | 1,336 |
| Credit loss provision to net charge-offs | 96.1801% | 4,506 |
| Earnings coverage of net charge-offs (x) | 1.8349% | 4,335 |
| Efficiency ratio | 61.4842% | 5,709 |
| Assets per employee ($millions) | 3.8640% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 5,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8680% | 5,358 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 67.7497% | 3,285 |
| Net loans and leases to deposits | 79.0044% | 3,634 |
| Net loans and leases to core deposits | 79.0044% | 4,662 |
| Total domestic deposits to total assets | 85.7543% | 3,217 |
| Equity capital to assets | 9.1711% | 5,350 |
| Core capital (leverage) ratio | 8.9274% | 4,808 |
| Tier 1 risk-based capital ratio | 12.7166% | 4,800 |
| Total risk-based capital ratio | 13.9614% | 4,784 |
| Memoranda: | ||
| Average total assets | $90,981,250 | 5,325 |
| Average earning assets | $84,568,000 | 5,249 |
| Average equity | $8,174,250 | 5,736 |
| Average total loans | $65,082,000 | 4,940 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0598% | 4,657 |
| Cost of funding earning assets | 1.1215% | 5,567 |
| Net interest margin | 3.9383% | 3,286 |
| Noninterest income to average assets | 1.4049% | 645 |
| Noninterest expense to average assets | 3.2457% | 2,742 |
| Loan and lease loss provision to assets | 1.5266% | 865 |
| Net operating income to assets | 0.2721% | 5,288 |
| Return on assets (ROA) | 0.2721% | 5,436 |
| Pretax return on assets | 0.3230% | 5,442 |
| Return on Equity (ROE) | 3.0506% | 5,192 |
| Retained earnings to average equity (ytd only) | 3.0506% | 4,162 |
| Net charge-offs to loans | 2.2237% | 804 |
| Credit loss provision to net charge-offs | 94.6502% | 4,276 |
| Earnings coverage of net charge-offs (x) | 1.1468% | 4,645 |
| Efficiency ratio | 63.0916% | 5,502 |
| Assets per employee ($millions) | 3.5490% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 5,433 |
| Loan loss allowance to noncurrent loans | 13,216.6667% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.8301% | 5,462 |
| Noncurrent loans to loans | 0.0091% | 7,310 |
| Net loans and leases to total assets | 70.4543% | 2,805 |
| Net loans and leases to deposits | 82.2144% | 3,234 |
| Net loans and leases to core deposits | 83.6015% | 4,187 |
| Total domestic deposits to total assets | 85.6959% | 3,265 |
| Equity capital to assets | 8.8866% | 5,620 |
| Core capital (leverage) ratio | 8.5031% | 5,401 |
| Tier 1 risk-based capital ratio | 11.9118% | 5,391 |
| Total risk-based capital ratio | 13.0934% | 5,421 |
| Memoranda: | ||
| Average total assets | $90,396,000 | 5,373 |
| Average earning assets | $84,706,330 | 5,273 |
| Average equity | $8,064,000 | 5,777 |
| Average total loans | $65,565,000 | 4,957 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0872% | 4,594 |
| Cost of funding earning assets | 1.1379% | 5,717 |
| Net interest margin | 3.9492% | 3,105 |
| Noninterest income to average assets | 1.3370% | 672 |
| Noninterest expense to average assets | 3.3133% | 2,489 |
| Loan and lease loss provision to assets | 3.0629% | 321 |
| Net operating income to assets | -0.7601% | 6,992 |
| Return on assets (ROA) | -0.7601% | 7,015 |
| Pretax return on assets | -1.3459% | 7,200 |
| Return on Equity (ROE) | -8.5043% | 7,078 |
| Retained earnings to average equity (ytd only) | -8.5043% | 6,867 |
| Net charge-offs to loans | 4.3762% | 296 |
| Credit loss provision to net charge-offs | 95.6704% | 3,533 |
| Earnings coverage of net charge-offs (x) | 0.5363% | 4,554 |
| Efficiency ratio | 65.2444% | 5,265 |
| Assets per employee ($millions) | 3.4805% | 5,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 5,212 |
| Loan loss allowance to noncurrent loans | 1,381.0345% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.8531% | 5,450 |
| Noncurrent loans to loans | 0.0906% | 7,167 |
| Net loans and leases to total assets | 69.8879% | 2,971 |
| Net loans and leases to deposits | 80.1986% | 3,623 |
| Net loans and leases to core deposits | 81.5555% | 4,551 |
| Total domestic deposits to total assets | 87.1436% | 2,552 |
| Equity capital to assets | 8.7466% | 5,658 |
| Core capital (leverage) ratio | 8.7375% | 4,960 |
| Tier 1 risk-based capital ratio | 12.5061% | 4,743 |
| Total risk-based capital ratio | 13.7561% | 4,695 |
| Memoranda: | ||
| Average total assets | $89,457,000 | 5,474 |
| Average earning assets | $83,661,500 | 5,374 |
| Average equity | $7,996,000 | 5,847 |
| Average total loans | $65,445,500 | 5,018 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0271% | 6,344 |
| Cost of funding earning assets | 1.3740% | 6,042 |
| Net interest margin | 3.6531% | 4,342 |
| Noninterest income to average assets | 1.3139% | 869 |
| Noninterest expense to average assets | 3.1862% | 3,422 |
| Loan and lease loss provision to assets | 0.6121% | 3,348 |
| Net operating income to assets | 0.6424% | 3,168 |
| Return on assets (ROA) | 0.6424% | 3,225 |
| Pretax return on assets | 0.9137% | 2,881 |
| Return on Equity (ROE) | 7.2917% | 2,667 |
| Retained earnings to average equity (ytd only) | 5.3829% | 1,632 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9760% | 5,190 |
| Assets per employee ($millions) | 3.2749% | 5,551 |
| Cash dividends to net income (ytd only)* | 26.1780% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 5,097 |
| Loan loss allowance to noncurrent loans | 61.2666% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 1.7111% | 3,802 |
| Noncurrent loans to loans | 2.0315% | 3,607 |
| Net loans and leases to total assets | 74.6590% | 2,105 |
| Net loans and leases to deposits | 87.2245% | 2,696 |
| Net loans and leases to core deposits | 95.5147% | 4,511 |
| Total domestic deposits to total assets | 85.5941% | 3,231 |
| Equity capital to assets | 9.1346% | 4,935 |
| Core capital (leverage) ratio | 8.9829% | 4,450 |
| Tier 1 risk-based capital ratio | 11.8673% | 5,063 |
| Total risk-based capital ratio | 13.1147% | 5,028 |
| Memoranda: | ||
| Average total assets | $89,196,800 | 5,419 |
| Average earning assets | $82,970,000 | 5,365 |
| Average equity | $7,858,200 | 5,972 |
| Average total loans | $62,547,000 | 5,146 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0204% | 6,545 |
| Cost of funding earning assets | 1.4310% | 6,118 |
| Net interest margin | 3.5894% | 4,518 |
| Noninterest income to average assets | 1.2693% | 956 |
| Noninterest expense to average assets | 3.2337% | 3,178 |
| Loan and lease loss provision to assets | 0.3013% | 4,564 |
| Net operating income to assets | 0.7309% | 3,093 |
| Return on assets (ROA) | 0.7309% | 3,159 |
| Pretax return on assets | 1.0680% | 2,680 |
| Return on Equity (ROE) | 8.3721% | 2,496 |
| Retained earnings to average equity (ytd only) | 5.8092% | 2,041 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6047% | 4,675 |
| Assets per employee ($millions) | 2.9946% | 6,170 |
| Cash dividends to net income (ytd only)* | 30.6129% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8080% | 7,091 |
| Loan loss allowance to noncurrent loans | 35.8297% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 1.7468% | 3,739 |
| Noncurrent loans to loans | 2.2551% | 3,319 |
| Net loans and leases to total assets | 68.9846% | 3,712 |
| Net loans and leases to deposits | 81.7837% | 4,065 |
| Net loans and leases to core deposits | 89.3431% | 5,499 |
| Total domestic deposits to total assets | 84.3501% | 3,551 |
| Equity capital to assets | 9.2131% | 5,146 |
| Core capital (leverage) ratio | 8.9166% | 4,783 |
| Tier 1 risk-based capital ratio | 12.9371% | 4,237 |
| Total risk-based capital ratio | 13.7441% | 4,500 |
| Memoranda: | ||
| Average total assets | $89,390,500 | 5,441 |
| Average earning assets | $83,019,250 | 5,398 |
| Average equity | $7,803,500 | 6,050 |
| Average total loans | $61,472,000 | 5,225 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9640% | 6,887 |
| Cost of funding earning assets | 1.4683% | 6,266 |
| Net interest margin | 3.4958% | 4,816 |
| Noninterest income to average assets | 1.1857% | 1,114 |
| Noninterest expense to average assets | 3.2181% | 3,279 |
| Loan and lease loss provision to assets | 0.4477% | 3,295 |
| Net operating income to assets | 0.5474% | 3,894 |
| Return on assets (ROA) | 0.5474% | 4,015 |
| Pretax return on assets | 0.7757% | 3,759 |
| Return on Equity (ROE) | 6.3844% | 3,486 |
| Retained earnings to average equity (ytd only) | 3.7996% | 3,177 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7565% | 4,465 |
| Assets per employee ($millions) | 3.1244% | 5,797 |
| Cash dividends to net income (ytd only)* | 40.4858% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 7,140 |
| Loan loss allowance to noncurrent loans | 37.4808% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 1.6080% | 3,803 |
| Noncurrent loans to loans | 2.1490% | 3,314 |
| Net loans and leases to total assets | 66.3267% | 4,502 |
| Net loans and leases to deposits | 77.8734% | 4,897 |
| Net loans and leases to core deposits | 84.9694% | 6,016 |
| Total domestic deposits to total assets | 85.1726% | 3,176 |
| Equity capital to assets | 8.5930% | 5,909 |
| Core capital (leverage) ratio | 8.3600% | 5,696 |
| Tier 1 risk-based capital ratio | 12.1983% | 4,752 |
| Total risk-based capital ratio | 12.9789% | 5,093 |
| Memoranda: | ||
| Average total assets | $90,239,330 | 5,450 |
| Average earning assets | $84,044,670 | 5,413 |
| Average equity | $7,737,670 | 6,111 |
| Average total loans | $61,830,330 | 5,259 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0248% | 6,872 |
| Cost of funding earning assets | 1.5208% | 6,343 |
| Net interest margin | 3.5040% | 4,716 |
| Noninterest income to average assets | 1.0083% | 1,460 |
| Noninterest expense to average assets | 3.1892% | 3,039 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7373% | 3,403 |
| Return on assets (ROA) | 0.7373% | 3,588 |
| Pretax return on assets | 1.0838% | 3,050 |
| Return on Equity (ROE) | 8.6083% | 2,880 |
| Retained earnings to average equity (ytd only) | 5.4969% | 2,862 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9085% | 3,841 |
| Assets per employee ($millions) | 3.3775% | 5,134 |
| Cash dividends to net income (ytd only)* | 36.1446% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4717% | 7,863 |
| Loan loss allowance to noncurrent loans | 23.7344% | 6,974 |
| Noncurrent assets plus other real estate owned to assets | 1.4913% | 3,695 |
| Noncurrent loans to loans | 1.9873% | 3,280 |
| Net loans and leases to total assets | 66.1761% | 4,549 |
| Net loans and leases to deposits | 77.1368% | 5,069 |
| Net loans and leases to core deposits | 84.0911% | 6,054 |
| Total domestic deposits to total assets | 85.7906% | 2,829 |
| Equity capital to assets | 8.5160% | 6,053 |
| Core capital (leverage) ratio | 8.6918% | 5,165 |
| Tier 1 risk-based capital ratio | 12.1264% | 4,843 |
| Total risk-based capital ratio | 12.5840% | 5,478 |
| Memoranda: | ||
| Average total assets | $90,054,500 | 5,483 |
| Average earning assets | $83,904,000 | 5,431 |
| Average equity | $7,713,500 | 6,150 |
| Average total loans | $62,452,500 | 5,267 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8749% | 6,160 |
| Cost of funding earning assets | 2.1333% | 5,911 |
| Net interest margin | 3.7416% | 4,266 |
| Noninterest income to average assets | 0.7928% | 2,558 |
| Noninterest expense to average assets | 2.8487% | 4,607 |
| Loan and lease loss provision to assets | 0.0059% | 7,286 |
| Net operating income to assets | 0.9511% | 2,787 |
| Return on assets (ROA) | 0.9633% | 2,604 |
| Pretax return on assets | 1.4008% | 1,971 |
| Return on Equity (ROE) | 11.1962% | 1,846 |
| Retained earnings to average equity (ytd only) | 7.6418% | 950 |
| Net charge-offs to loans | 0.1232% | 5,008 |
| Credit loss provision to net charge-offs | 6.5789% | 6,633 |
| Earnings coverage of net charge-offs (x) | 15.5395% | 1,924 |
| Efficiency ratio | 67.2218% | 4,869 |
| Assets per employee ($millions) | 3.0661% | 5,875 |
| Cash dividends to net income (ytd only)* | 31.7460% | 4,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4450% | 7,928 |
| Loan loss allowance to noncurrent loans | 175.4601% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 6,164 |
| Noncurrent loans to loans | 0.2536% | 6,623 |
| Net loans and leases to total assets | 71.9612% | 3,595 |
| Net loans and leases to deposits | 84.6844% | 4,311 |
| Net loans and leases to core deposits | 92.0039% | 5,639 |
| Total domestic deposits to total assets | 84.9757% | 2,855 |
| Equity capital to assets | 8.6160% | 5,909 |
| Core capital (leverage) ratio | 8.7913% | 5,050 |
| Tier 1 risk-based capital ratio | 11.6007% | 5,154 |
| Total risk-based capital ratio | 12.0372% | 5,831 |
| Memoranda: | ||
| Average total assets | $85,020,400 | 5,520 |
| Average earning assets | $78,282,600 | 5,486 |
| Average equity | $7,315,000 | 6,345 |
| Average total loans | $61,699,600 | 5,191 |