Home > Community State Bank > Performance and Condition Ratios
Community State Bank, Performance and Condition Ratios
| 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 | 3.6448% | 4,425 |
| Cost of funding earning assets | 0.1427% | 5,526 |
| Net interest margin | 3.5021% | 3,463 |
| Noninterest income to average assets | 0.4298% | 3,697 |
| Noninterest expense to average assets | 2.8840% | 2,688 |
| Loan and lease loss provision to assets | -0.0246% | 5,683 |
| Net operating income to assets | 0.5343% | 4,558 |
| Return on assets (ROA) | 0.5405% | 4,641 |
| Pretax return on assets | 0.7830% | 4,354 |
| Return on Equity (ROE) | 4.8000% | 4,602 |
| Retained earnings to average equity (ytd only) | 3.5864% | 3,741 |
| Net charge-offs to loans | -0.1138% | 5,616 |
| Credit loss provision to net charge-offs | 48.0000% | 3,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0128% | 2,285 |
| Assets per employee ($millions) | 3.3896% | 4,920 |
| Cash dividends to net income (ytd only)* | 25.2845% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8005% | 1,012 |
| Loan loss allowance to noncurrent loans | 70.6383% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.3188% | 1,448 |
| Noncurrent loans to loans | 2.5489% | 678 |
| Net loans and leases to total assets | 46.8598% | 5,032 |
| Net loans and leases to deposits | 53.1573% | 5,155 |
| Net loans and leases to core deposits | 53.3534% | 5,251 |
| Total domestic deposits to total assets | 88.1531% | 1,323 |
| Equity capital to assets | 11.6166% | 2,422 |
| Core capital (leverage) ratio | 9.8493% | 3,750 |
| Tier 1 risk-based capital ratio | 19.8607% | 1,470 |
| Total risk-based capital ratio | 21.1221% | 1,436 |
| Memoranda: | ||
| Average total assets | $195,140,750 | 3,016 |
| Average earning assets | $178,515,500 | 3,039 |
| Average equity | $21,971,500 | 3,010 |
| Average total loans | $87,869,250 | 3,632 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6561% | 4,427 |
| Cost of funding earning assets | 0.1454% | 5,580 |
| Net interest margin | 3.5107% | 3,450 |
| Noninterest income to average assets | 0.4209% | 3,731 |
| Noninterest expense to average assets | 2.9256% | 2,596 |
| Loan and lease loss provision to assets | 0.0306% | 3,516 |
| Net operating income to assets | 0.4708% | 4,796 |
| Return on assets (ROA) | 0.4801% | 4,863 |
| Pretax return on assets | 0.6844% | 4,670 |
| Return on Equity (ROE) | 4.3092% | 4,801 |
| Retained earnings to average equity (ytd only) | 3.3923% | 3,730 |
| Net charge-offs to loans | -0.1550% | 5,750 |
| Credit loss provision to net charge-offs | -44.7761% | 4,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3027% | 2,179 |
| Assets per employee ($millions) | 3.0767% | 5,347 |
| Cash dividends to net income (ytd only)* | 21.2766% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8758% | 937 |
| Loan loss allowance to noncurrent loans | 121.9149% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.9209% | 2,314 |
| Noncurrent loans to loans | 1.5386% | 1,402 |
| Net loans and leases to total assets | 46.3900% | 5,105 |
| Net loans and leases to deposits | 52.4973% | 5,228 |
| Net loans and leases to core deposits | 52.6917% | 5,337 |
| Total domestic deposits to total assets | 88.3664% | 1,235 |
| Equity capital to assets | 11.4706% | 2,572 |
| Core capital (leverage) ratio | 9.6359% | 4,013 |
| Tier 1 risk-based capital ratio | 20.0273% | 1,458 |
| Total risk-based capital ratio | 21.2884% | 1,417 |
| Memoranda: | ||
| Average total assets | $195,785,670 | 3,031 |
| Average earning assets | $178,823,670 | 3,055 |
| Average equity | $21,814,000 | 3,030 |
| Average total loans | $86,427,000 | 3,682 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6140% | 4,585 |
| Cost of funding earning assets | 0.1468% | 5,633 |
| Net interest margin | 3.4672% | 3,597 |
| Noninterest income to average assets | 0.4086% | 3,761 |
| Noninterest expense to average assets | 3.0189% | 2,339 |
| Loan and lease loss provision to assets | 0.0610% | 2,724 |
| Net operating income to assets | 0.3619% | 5,104 |
| Return on assets (ROA) | 0.3619% | 5,189 |
| Pretax return on assets | 0.4981% | 5,094 |
| Return on Equity (ROE) | 3.2957% | 5,124 |
| Retained earnings to average equity (ytd only) | 3.2957% | 3,846 |
| Net charge-offs to loans | 0.0764% | 1,725 |
| Credit loss provision to net charge-offs | 187.5000% | 1,123 |
| Earnings coverage of net charge-offs (x) | 17.1875% | 1,586 |
| Efficiency ratio | 78.9773% | 1,754 |
| Assets per employee ($millions) | 3.1380% | 5,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8952% | 978 |
| Loan loss allowance to noncurrent loans | 101.3639% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 1.1295% | 1,959 |
| Noncurrent loans to loans | 1.8697% | 1,183 |
| Net loans and leases to total assets | 42.8113% | 5,309 |
| Net loans and leases to deposits | 48.2055% | 5,411 |
| Net loans and leases to core deposits | 48.3946% | 5,495 |
| Total domestic deposits to total assets | 88.8098% | 1,201 |
| Equity capital to assets | 11.0440% | 2,893 |
| Core capital (leverage) ratio | 9.2849% | 4,509 |
| Tier 1 risk-based capital ratio | 18.7604% | 1,786 |
| Total risk-based capital ratio | 20.0207% | 1,753 |
| Memoranda: | ||
| Average total assets | $196,761,000 | 3,023 |
| Average earning assets | $179,856,000 | 3,049 |
| Average equity | $21,604,000 | 3,053 |
| Average total loans | $83,821,000 | 3,764 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6086% | 4,651 |
| Cost of funding earning assets | 0.1541% | 5,660 |
| Net interest margin | 3.4545% | 3,698 |
| Noninterest income to average assets | 0.5075% | 3,271 |
| Noninterest expense to average assets | 3.2919% | 1,737 |
| Loan and lease loss provision to assets | -0.1728% | 5,956 |
| Net operating income to assets | 0.3892% | 5,089 |
| Return on assets (ROA) | 0.6327% | 4,214 |
| Pretax return on assets | 0.7684% | 4,308 |
| Return on Equity (ROE) | 5.7516% | 4,152 |
| Retained earnings to average equity (ytd only) | 5.0374% | 2,389 |
| Net charge-offs to loans | 0.0843% | 2,633 |
| Credit loss provision to net charge-offs | -507.6923% | 5,445 |
| Earnings coverage of net charge-offs (x) | 10.3231% | 2,701 |
| Efficiency ratio | 84.8907% | 1,097 |
| Assets per employee ($millions) | 3.0122% | 5,513 |
| Cash dividends to net income (ytd only)* | 12.4172% | 4,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0200% | 776 |
| Loan loss allowance to noncurrent loans | 86.1708% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.1257% | 1,946 |
| Noncurrent loans to loans | 2.3441% | 812 |
| Net loans and leases to total assets | 40.7539% | 5,475 |
| Net loans and leases to deposits | 45.8817% | 5,573 |
| Net loans and leases to core deposits | 46.0640% | 5,648 |
| Total domestic deposits to total assets | 88.8237% | 1,212 |
| Equity capital to assets | 10.8601% | 2,977 |
| Core capital (leverage) ratio | 9.4607% | 4,235 |
| Tier 1 risk-based capital ratio | 18.9023% | 1,723 |
| Total risk-based capital ratio | 20.1642% | 1,688 |
| Memoranda: | ||
| Average total assets | $190,925,200 | 3,039 |
| Average earning assets | $173,307,800 | 3,075 |
| Average equity | $21,003,000 | 3,071 |
| Average total loans | $77,096,000 | 3,906 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6023% | 4,735 |
| Cost of funding earning assets | 0.1558% | 5,739 |
| Net interest margin | 3.4465% | 3,764 |
| Noninterest income to average assets | 0.4695% | 3,569 |
| Noninterest expense to average assets | 3.2997% | 1,693 |
| Loan and lease loss provision to assets | 0.1054% | 2,105 |
| Net operating income to assets | 0.1715% | 5,733 |
| Return on assets (ROA) | 0.4962% | 4,892 |
| Pretax return on assets | 0.5138% | 5,189 |
| Return on Equity (ROE) | 4.4957% | 4,838 |
| Retained earnings to average equity (ytd only) | 4.1773% | 3,490 |
| Net charge-offs to loans | 0.0772% | 2,457 |
| Credit loss provision to net charge-offs | 340.9091% | 859 |
| Earnings coverage of net charge-offs (x) | 9.5219% | 2,685 |
| Efficiency ratio | 86.2339% | 988 |
| Assets per employee ($millions) | 2.7354% | 5,813 |
| Cash dividends to net income (ytd only)* | 7.0827% | 3,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6403% | 357 |
| Loan loss allowance to noncurrent loans | 103.1731% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.2732% | 1,835 |
| Noncurrent loans to loans | 2.5591% | 785 |
| Net loans and leases to total assets | 41.9271% | 5,493 |
| Net loans and leases to deposits | 47.3236% | 5,602 |
| Net loans and leases to core deposits | 47.4234% | 5,676 |
| Total domestic deposits to total assets | 88.5966% | 1,242 |
| Equity capital to assets | 11.2243% | 2,776 |
| Core capital (leverage) ratio | 9.6730% | 4,068 |
| Tier 1 risk-based capital ratio | 19.3835% | 1,689 |
| Total risk-based capital ratio | 20.6491% | 1,657 |
| Memoranda: | ||
| Average total assets | $189,709,000 | 3,080 |
| Average earning assets | $171,997,750 | 3,120 |
| Average equity | $20,938,000 | 3,097 |
| Average total loans | $76,010,750 | 3,976 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5377% | 4,890 |
| Cost of funding earning assets | 0.1555% | 5,814 |
| Net interest margin | 3.3821% | 3,965 |
| Noninterest income to average assets | 0.5189% | 3,234 |
| Noninterest expense to average assets | 3.2416% | 1,864 |
| Loan and lease loss provision to assets | 0.1579% | 1,347 |
| Net operating income to assets | 0.1716% | 5,763 |
| Return on assets (ROA) | 0.6578% | 4,192 |
| Pretax return on assets | 0.6725% | 4,743 |
| Return on Equity (ROE) | 5.9936% | 4,128 |
| Retained earnings to average equity (ytd only) | 5.5141% | 2,531 |
| Net charge-offs to loans | 0.0619% | 2,495 |
| Credit loss provision to net charge-offs | 652.1739% | 515 |
| Earnings coverage of net charge-offs (x) | 14.2174% | 2,074 |
| Efficiency ratio | 84.8254% | 1,171 |
| Assets per employee ($millions) | 2.7313% | 5,885 |
| Cash dividends to net income (ytd only)* | 8.0000% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8094% | 332 |
| Loan loss allowance to noncurrent loans | 89.9170% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.5038% | 1,635 |
| Noncurrent loans to loans | 3.1244% | 615 |
| Net loans and leases to total assets | 39.7791% | 5,643 |
| Net loans and leases to deposits | 44.8344% | 5,730 |
| Net loans and leases to core deposits | 44.9287% | 5,807 |
| Total domestic deposits to total assets | 88.7245% | 1,283 |
| Equity capital to assets | 11.0925% | 2,790 |
| Core capital (leverage) ratio | 9.6076% | 4,128 |
| Tier 1 risk-based capital ratio | 19.7255% | 1,616 |
| Total risk-based capital ratio | 20.9923% | 1,572 |
| Memoranda: | ||
| Average total assets | $190,031,330 | 3,096 |
| Average earning assets | $172,317,000 | 3,132 |
| Average equity | $20,855,670 | 3,125 |
| Average total loans | $74,254,330 | 4,054 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5445% | 4,843 |
| Cost of funding earning assets | 0.1558% | 5,882 |
| Net interest margin | 3.3886% | 3,889 |
| Noninterest income to average assets | 0.5073% | 3,242 |
| Noninterest expense to average assets | 3.2513% | 1,839 |
| Loan and lease loss provision to assets | 0.1572% | 1,293 |
| Net operating income to assets | 0.1530% | 5,781 |
| Return on assets (ROA) | 1.1236% | 1,888 |
| Pretax return on assets | 1.1236% | 2,979 |
| Return on Equity (ROE) | 10.2924% | 1,877 |
| Retained earnings to average equity (ytd only) | 10.2924% | 856 |
| Net charge-offs to loans | 0.1648% | 1,286 |
| Credit loss provision to net charge-offs | 250.0000% | 913 |
| Earnings coverage of net charge-offs (x) | 4.9333% | 2,434 |
| Efficiency ratio | 85.6975% | 1,207 |
| Assets per employee ($millions) | 2.7697% | 5,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8570% | 342 |
| Loan loss allowance to noncurrent loans | 55.8233% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 2.1810% | 1,055 |
| Noncurrent loans to loans | 5.1179% | 254 |
| Net loans and leases to total assets | 37.0967% | 5,767 |
| Net loans and leases to deposits | 41.8091% | 5,842 |
| Net loans and leases to core deposits | 41.8958% | 5,916 |
| Total domestic deposits to total assets | 88.7288% | 1,440 |
| Equity capital to assets | 11.1299% | 2,831 |
| Core capital (leverage) ratio | 9.4601% | 4,336 |
| Tier 1 risk-based capital ratio | 18.3502% | 2,050 |
| Total risk-based capital ratio | 19.6111% | 1,999 |
| Memoranda: | ||
| Average total assets | $190,816,500 | 3,110 |
| Average earning assets | $171,986,000 | 3,156 |
| Average equity | $20,831,000 | 3,151 |
| Average total loans | $72,814,000 | 4,108 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6155% | 5,045 |
| Cost of funding earning assets | 0.1886% | 5,845 |
| Net interest margin | 3.4268% | 4,077 |
| Noninterest income to average assets | 0.5841% | 2,956 |
| Noninterest expense to average assets | 3.3545% | 1,792 |
| Loan and lease loss provision to assets | 0.2871% | 728 |
| Net operating income to assets | 0.0621% | 6,006 |
| Return on assets (ROA) | 0.1321% | 5,955 |
| Pretax return on assets | 0.0945% | 5,992 |
| Return on Equity (ROE) | 1.2459% | 5,938 |
| Retained earnings to average equity (ytd only) | 1.2459% | 5,221 |
| Net charge-offs to loans | 1.2755% | 207 |
| Credit loss provision to net charge-offs | 58.4485% | 3,317 |
| Earnings coverage of net charge-offs (x) | 0.6344% | 4,603 |
| Efficiency ratio | 86.0886% | 1,162 |
| Assets per employee ($millions) | 2.6462% | 6,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8080% | 370 |
| Loan loss allowance to noncurrent loans | 57.4810% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 2.0155% | 1,261 |
| Noncurrent loans to loans | 4.8851% | 311 |
| Net loans and leases to total assets | 37.0598% | 5,897 |
| Net loans and leases to deposits | 41.5719% | 5,981 |
| Net loans and leases to core deposits | 41.6580% | 6,054 |
| Total domestic deposits to total assets | 89.1464% | 1,152 |
| Equity capital to assets | 10.7029% | 3,231 |
| Core capital (leverage) ratio | 8.8823% | 5,146 |
| Tier 1 risk-based capital ratio | 16.4849% | 2,719 |
| Total risk-based capital ratio | 17.7022% | 2,683 |
| Memoranda: | ||
| Average total assets | $191,566,000 | 3,088 |
| Average earning assets | $172,286,600 | 3,131 |
| Average equity | $20,307,400 | 3,132 |
| Average total loans | $73,775,800 | 4,065 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6380% | 5,040 |
| Cost of funding earning assets | 0.1971% | 5,859 |
| Net interest margin | 3.4409% | 4,059 |
| Noninterest income to average assets | 0.6068% | 2,826 |
| Noninterest expense to average assets | 3.3113% | 1,877 |
| Loan and lease loss provision to assets | 0.3128% | 607 |
| Net operating income to assets | 0.1050% | 6,025 |
| Return on assets (ROA) | 0.1668% | 5,952 |
| Pretax return on assets | 0.1390% | 6,021 |
| Return on Equity (ROE) | 1.5774% | 5,930 |
| Retained earnings to average equity (ytd only) | 1.5774% | 5,256 |
| Net charge-offs to loans | 1.7049% | 127 |
| Credit loss provision to net charge-offs | 47.5185% | 3,149 |
| Earnings coverage of net charge-offs (x) | 0.5924% | 4,351 |
| Efficiency ratio | 84.1127% | 1,378 |
| Assets per employee ($millions) | 2.7084% | 6,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6800% | 502 |
| Loan loss allowance to noncurrent loans | 52.0581% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 2.1568% | 1,297 |
| Noncurrent loans to loans | 5.1481% | 343 |
| Net loans and leases to total assets | 37.0625% | 5,987 |
| Net loans and leases to deposits | 41.6265% | 6,066 |
| Net loans and leases to core deposits | 41.7133% | 6,129 |
| Total domestic deposits to total assets | 89.0357% | 1,219 |
| Equity capital to assets | 10.8061% | 3,174 |
| Core capital (leverage) ratio | 8.6848% | 5,458 |
| Tier 1 risk-based capital ratio | 16.6233% | 2,759 |
| Total risk-based capital ratio | 17.8830% | 2,710 |
| Memoranda: | ||
| Average total assets | $191,825,750 | 3,107 |
| Average earning assets | $172,509,750 | 3,156 |
| Average equity | $20,286,250 | 3,141 |
| Average total loans | $74,057,500 | 4,086 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6009% | 5,149 |
| Cost of funding earning assets | 0.2054% | 5,870 |
| Net interest margin | 3.3955% | 4,196 |
| Noninterest income to average assets | 0.6294% | 2,658 |
| Noninterest expense to average assets | 3.2341% | 2,088 |
| Loan and lease loss provision to assets | 0.3116% | 620 |
| Net operating income to assets | 0.1558% | 5,943 |
| Return on assets (ROA) | 0.1703% | 5,951 |
| Pretax return on assets | 0.1371% | 6,045 |
| Return on Equity (ROE) | 1.6222% | 5,926 |
| Retained earnings to average equity (ytd only) | 1.6222% | 5,093 |
| Net charge-offs to loans | 1.5427% | 176 |
| Credit loss provision to net charge-offs | 52.0833% | 2,768 |
| Earnings coverage of net charge-offs (x) | 0.7257% | 3,986 |
| Efficiency ratio | 82.7860% | 1,657 |
| Assets per employee ($millions) | 2.8986% | 5,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9167% | 424 |
| Loan loss allowance to noncurrent loans | 44.9635% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 2.5725% | 1,072 |
| Noncurrent loans to loans | 6.4867% | 214 |
| Net loans and leases to total assets | 36.9519% | 6,006 |
| Net loans and leases to deposits | 41.3854% | 6,097 |
| Net loans and leases to core deposits | 41.4691% | 6,171 |
| Total domestic deposits to total assets | 89.2873% | 1,206 |
| Equity capital to assets | 10.5639% | 3,361 |
| Core capital (leverage) ratio | 8.5233% | 5,613 |
| Tier 1 risk-based capital ratio | 16.6944% | 2,745 |
| Total risk-based capital ratio | 17.9401% | 2,712 |
| Memoranda: | ||
| Average total assets | $192,571,670 | 3,116 |
| Average earning assets | $172,347,670 | 3,165 |
| Average equity | $20,219,330 | 3,149 |
| Average total loans | $74,676,330 | 4,083 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6663% | 4,958 |
| Cost of funding earning assets | 0.2089% | 5,930 |
| Net interest margin | 3.4574% | 3,872 |
| Noninterest income to average assets | 0.5382% | 3,122 |
| Noninterest expense to average assets | 3.2146% | 2,183 |
| Loan and lease loss provision to assets | 0.3129% | 598 |
| Net operating income to assets | 0.1418% | 5,946 |
| Return on assets (ROA) | 0.1418% | 5,978 |
| Pretax return on assets | 0.0834% | 6,104 |
| Return on Equity (ROE) | 1.3552% | 5,960 |
| Retained earnings to average equity (ytd only) | 1.3552% | 5,069 |
| Net charge-offs to loans | 2.9312% | 69 |
| Credit loss provision to net charge-offs | 27.2727% | 2,422 |
| Earnings coverage of net charge-offs (x) | 0.3455% | 3,369 |
| Efficiency ratio | 83.5355% | 1,725 |
| Assets per employee ($millions) | 3.0033% | 5,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7869% | 554 |
| Loan loss allowance to noncurrent loans | 37.9529% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 2.8282% | 1,045 |
| Noncurrent loans to loans | 7.3431% | 202 |
| Net loans and leases to total assets | 36.3087% | 6,053 |
| Net loans and leases to deposits | 40.5603% | 6,155 |
| Net loans and leases to core deposits | 40.6417% | 6,215 |
| Total domestic deposits to total assets | 89.5177% | 1,358 |
| Equity capital to assets | 10.3655% | 3,380 |
| Core capital (leverage) ratio | 8.3788% | 5,768 |
| Tier 1 risk-based capital ratio | 17.1173% | 2,632 |
| Total risk-based capital ratio | 18.3383% | 2,597 |
| Memoranda: | ||
| Average total assets | $191,753,000 | 3,142 |
| Average earning assets | $170,419,000 | 3,214 |
| Average equity | $20,071,000 | 3,171 |
| Average total loans | $75,054,500 | 4,097 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9424% | 4,311 |
| Cost of funding earning assets | 0.2339% | 6,065 |
| Net interest margin | 3.7085% | 3,021 |
| Noninterest income to average assets | 0.6259% | 2,942 |
| Noninterest expense to average assets | 3.2630% | 2,239 |
| Loan and lease loss provision to assets | 0.4663% | 607 |
| Net operating income to assets | 0.2528% | 5,683 |
| Return on assets (ROA) | 0.2808% | 5,680 |
| Pretax return on assets | 0.2435% | 5,859 |
| Return on Equity (ROE) | 2.6831% | 5,622 |
| Retained earnings to average equity (ytd only) | 2.6831% | 4,329 |
| Net charge-offs to loans | 0.3644% | 1,859 |
| Credit loss provision to net charge-offs | 310.3448% | 736 |
| Earnings coverage of net charge-offs (x) | 4.5379% | 3,536 |
| Efficiency ratio | 77.7252% | 2,504 |
| Assets per employee ($millions) | 3.0867% | 5,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1491% | 394 |
| Loan loss allowance to noncurrent loans | 46.9849% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 2.9932% | 1,059 |
| Noncurrent loans to loans | 6.7023% | 267 |
| Net loans and leases to total assets | 39.7077% | 5,985 |
| Net loans and leases to deposits | 44.4922% | 6,097 |
| Net loans and leases to core deposits | 44.5853% | 6,201 |
| Total domestic deposits to total assets | 89.2464% | 1,459 |
| Equity capital to assets | 10.5725% | 3,075 |
| Core capital (leverage) ratio | 8.6116% | 5,526 |
| Tier 1 risk-based capital ratio | 16.6307% | 2,784 |
| Total risk-based capital ratio | 17.8608% | 2,759 |
| Memoranda: | ||
| Average total assets | $193,009,800 | 3,110 |
| Average earning assets | $172,737,000 | 3,179 |
| Average equity | $20,200,800 | 3,132 |
| Average total loans | $79,588,600 | 3,949 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9625% | 4,274 |
| Cost of funding earning assets | 0.2370% | 6,179 |
| Net interest margin | 3.7255% | 2,937 |
| Noninterest income to average assets | 0.6097% | 3,082 |
| Noninterest expense to average assets | 3.1618% | 2,472 |
| Loan and lease loss provision to assets | 0.5150% | 527 |
| Net operating income to assets | 0.2987% | 5,618 |
| Return on assets (ROA) | 0.3103% | 5,699 |
| Pretax return on assets | 0.2897% | 5,899 |
| Return on Equity (ROE) | 2.9725% | 5,616 |
| Retained earnings to average equity (ytd only) | 2.9725% | 4,548 |
| Net charge-offs to loans | 0.3375% | 1,863 |
| Credit loss provision to net charge-offs | 369.4581% | 713 |
| Earnings coverage of net charge-offs (x) | 5.6896% | 3,127 |
| Efficiency ratio | 75.0000% | 2,906 |
| Assets per employee ($millions) | 3.1003% | 5,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0211% | 542 |
| Loan loss allowance to noncurrent loans | 48.1888% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 2.7745% | 1,354 |
| Noncurrent loans to loans | 6.2693% | 379 |
| Net loans and leases to total assets | 40.1944% | 6,018 |
| Net loans and leases to deposits | 45.0622% | 6,154 |
| Net loans and leases to core deposits | 45.1558% | 6,242 |
| Total domestic deposits to total assets | 89.1976% | 1,456 |
| Equity capital to assets | 10.6226% | 3,140 |
| Core capital (leverage) ratio | 8.5067% | 5,764 |
| Tier 1 risk-based capital ratio | 15.9297% | 3,234 |
| Total risk-based capital ratio | 17.1718% | 3,189 |
| Memoranda: | ||
| Average total assets | $194,189,500 | 3,122 |
| Average earning assets | $174,363,750 | 3,186 |
| Average equity | $20,274,250 | 3,159 |
| Average total loans | $80,186,500 | 3,966 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9673% | 4,237 |
| Cost of funding earning assets | 0.2399% | 6,242 |
| Net interest margin | 3.7274% | 2,860 |
| Noninterest income to average assets | 0.6279% | 3,027 |
| Noninterest expense to average assets | 3.1295% | 2,577 |
| Loan and lease loss provision to assets | 0.6126% | 411 |
| Net operating income to assets | 0.2706% | 5,711 |
| Return on assets (ROA) | 0.2706% | 5,848 |
| Pretax return on assets | 0.2338% | 6,025 |
| Return on Equity (ROE) | 2.6062% | 5,757 |
| Retained earnings to average equity (ytd only) | 2.6062% | 4,651 |
| Net charge-offs to loans | 0.3218% | 1,895 |
| Credit loss provision to net charge-offs | 461.5385% | 591 |
| Earnings coverage of net charge-offs (x) | 6.3769% | 2,727 |
| Efficiency ratio | 73.8315% | 3,162 |
| Assets per employee ($millions) | 2.9602% | 5,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8625% | 667 |
| Loan loss allowance to noncurrent loans | 57.4329% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 2.2675% | 1,912 |
| Noncurrent loans to loans | 4.9840% | 651 |
| Net loans and leases to total assets | 40.4055% | 6,019 |
| Net loans and leases to deposits | 45.1714% | 6,159 |
| Net loans and leases to core deposits | 45.2635% | 6,270 |
| Total domestic deposits to total assets | 89.4492% | 1,353 |
| Equity capital to assets | 10.3424% | 3,500 |
| Core capital (leverage) ratio | 8.3266% | 5,852 |
| Tier 1 risk-based capital ratio | 15.4726% | 3,496 |
| Total risk-based capital ratio | 16.7136% | 3,460 |
| Memoranda: | ||
| Average total assets | $195,880,670 | 3,117 |
| Average earning assets | $175,939,670 | 3,173 |
| Average equity | $20,336,000 | 3,175 |
| Average total loans | $80,788,000 | 3,965 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0118% | 4,070 |
| Cost of funding earning assets | 0.2444% | 6,323 |
| Net interest margin | 3.7674% | 2,580 |
| Noninterest income to average assets | 0.6720% | 2,746 |
| Noninterest expense to average assets | 3.1617% | 2,479 |
| Loan and lease loss provision to assets | 0.3036% | 1,131 |
| Net operating income to assets | 0.4878% | 4,740 |
| Return on assets (ROA) | 0.4878% | 4,890 |
| Pretax return on assets | 0.5769% | 5,033 |
| Return on Equity (ROE) | 4.6901% | 4,748 |
| Retained earnings to average equity (ytd only) | 4.6901% | 3,425 |
| Net charge-offs to loans | 0.4879% | 1,227 |
| Credit loss provision to net charge-offs | 151.5152% | 1,351 |
| Earnings coverage of net charge-offs (x) | 4.3939% | 2,568 |
| Efficiency ratio | 73.4602% | 3,361 |
| Assets per employee ($millions) | 3.1637% | 5,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3549% | 1,324 |
| Loan loss allowance to noncurrent loans | 46.5440% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 2.2904% | 2,030 |
| Noncurrent loans to loans | 5.0595% | 746 |
| Net loans and leases to total assets | 38.9452% | 6,086 |
| Net loans and leases to deposits | 43.5589% | 6,232 |
| Net loans and leases to core deposits | 43.6446% | 6,328 |
| Total domestic deposits to total assets | 89.4080% | 1,412 |
| Equity capital to assets | 10.4194% | 3,646 |
| Core capital (leverage) ratio | 8.1052% | 6,038 |
| Tier 1 risk-based capital ratio | 14.6464% | 4,068 |
| Total risk-based capital ratio | 15.8342% | 4,080 |
| Memoranda: | ||
| Average total assets | $197,615,000 | 3,122 |
| Average earning assets | $176,779,000 | 3,187 |
| Average equity | $20,554,000 | 3,192 |
| Average total loans | $81,164,000 | 3,983 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1899% | 4,630 |
| Cost of funding earning assets | 0.2975% | 6,464 |
| Net interest margin | 3.8924% | 2,864 |
| Noninterest income to average assets | 0.5883% | 3,343 |
| Noninterest expense to average assets | 3.1982% | 2,620 |
| Loan and lease loss provision to assets | 0.3002% | 2,275 |
| Net operating income to assets | 0.5119% | 4,637 |
| Return on assets (ROA) | 0.5343% | 4,812 |
| Pretax return on assets | 0.6178% | 4,941 |
| Return on Equity (ROE) | 5.3458% | 4,505 |
| Retained earnings to average equity (ytd only) | 5.3458% | 2,472 |
| Net charge-offs to loans | 0.5043% | 2,225 |
| Credit loss provision to net charge-offs | 139.5349% | 1,976 |
| Earnings coverage of net charge-offs (x) | 4.1465% | 3,463 |
| Efficiency ratio | 73.5445% | 3,145 |
| Assets per employee ($millions) | 3.2653% | 5,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1984% | 1,556 |
| Loan loss allowance to noncurrent loans | 51.8803% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 1.9625% | 2,494 |
| Noncurrent loans to loans | 4.2374% | 1,059 |
| Net loans and leases to total assets | 41.3503% | 6,063 |
| Net loans and leases to deposits | 46.3252% | 6,233 |
| Net loans and leases to core deposits | 46.4181% | 6,350 |
| Total domestic deposits to total assets | 89.2609% | 1,400 |
| Equity capital to assets | 10.3824% | 3,660 |
| Core capital (leverage) ratio | 7.9539% | 6,239 |
| Tier 1 risk-based capital ratio | 14.4463% | 4,071 |
| Total risk-based capital ratio | 15.6883% | 4,023 |
| Memoranda: | ||
| Average total assets | $199,892,800 | 3,048 |
| Average earning assets | $179,836,200 | 3,096 |
| Average equity | $19,978,200 | 3,206 |
| Average total loans | $85,266,600 | 3,869 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1498% | 4,988 |
| Cost of funding earning assets | 0.3069% | 6,581 |
| Net interest margin | 3.8428% | 3,149 |
| Noninterest income to average assets | 0.6465% | 3,010 |
| Noninterest expense to average assets | 3.1181% | 2,833 |
| Loan and lease loss provision to assets | 0.2987% | 2,204 |
| Net operating income to assets | 0.5924% | 4,427 |
| Return on assets (ROA) | 0.6040% | 4,641 |
| Pretax return on assets | 0.7254% | 4,767 |
| Return on Equity (ROE) | 6.1008% | 4,287 |
| Retained earnings to average equity (ytd only) | 6.1008% | 2,633 |
| Net charge-offs to loans | 0.4860% | 2,159 |
| Credit loss provision to net charge-offs | 143.7700% | 1,993 |
| Earnings coverage of net charge-offs (x) | 4.8626% | 3,179 |
| Efficiency ratio | 70.9486% | 3,511 |
| Assets per employee ($millions) | 3.1962% | 5,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1200% | 1,866 |
| Loan loss allowance to noncurrent loans | 39.5051% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 2.6475% | 1,992 |
| Noncurrent loans to loans | 5.3665% | 810 |
| Net loans and leases to total assets | 40.9960% | 6,201 |
| Net loans and leases to deposits | 45.8879% | 6,393 |
| Net loans and leases to core deposits | 46.0432% | 6,515 |
| Total domestic deposits to total assets | 89.3395% | 1,220 |
| Equity capital to assets | 10.2666% | 4,113 |
| Core capital (leverage) ratio | 7.7450% | 6,496 |
| Tier 1 risk-based capital ratio | 13.5113% | 4,873 |
| Total risk-based capital ratio | 14.7664% | 4,829 |
| Memoranda: | ||
| Average total assets | $200,886,250 | 3,062 |
| Average earning assets | $182,013,250 | 3,091 |
| Average equity | $19,887,500 | 3,256 |
| Average total loans | $85,874,750 | 3,893 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1743% | 5,041 |
| Cost of funding earning assets | 0.3199% | 6,650 |
| Net interest margin | 3.8544% | 3,116 |
| Noninterest income to average assets | 0.7094% | 2,618 |
| Noninterest expense to average assets | 3.0031% | 3,249 |
| Loan and lease loss provision to assets | 0.2989% | 2,190 |
| Net operating income to assets | 0.7293% | 3,710 |
| Return on assets (ROA) | 0.7333% | 3,960 |
| Pretax return on assets | 0.9057% | 4,055 |
| Return on Equity (ROE) | 7.5004% | 3,517 |
| Retained earnings to average equity (ytd only) | 7.5004% | 1,872 |
| Net charge-offs to loans | 0.4954% | 2,103 |
| Credit loss provision to net charge-offs | 140.1869% | 1,965 |
| Earnings coverage of net charge-offs (x) | 5.6262% | 2,794 |
| Efficiency ratio | 66.9512% | 4,328 |
| Assets per employee ($millions) | 3.0946% | 5,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0436% | 2,123 |
| Loan loss allowance to noncurrent loans | 34.4370% | 5,953 |
| Noncurrent assets plus other real estate owned to assets | 2.8451% | 1,936 |
| Noncurrent loans to loans | 5.9343% | 747 |
| Net loans and leases to total assets | 41.3920% | 6,242 |
| Net loans and leases to deposits | 46.1827% | 6,423 |
| Net loans and leases to core deposits | 46.3384% | 6,558 |
| Total domestic deposits to total assets | 89.6266% | 1,146 |
| Equity capital to assets | 9.9866% | 4,358 |
| Core capital (leverage) ratio | 7.6873% | 6,525 |
| Tier 1 risk-based capital ratio | 13.4214% | 4,892 |
| Total risk-based capital ratio | 14.6618% | 4,854 |
| Memoranda: | ||
| Average total assets | $200,728,000 | 3,074 |
| Average earning assets | $181,922,670 | 3,102 |
| Average equity | $19,625,670 | 3,268 |
| Average total loans | $86,387,000 | 3,896 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1997% | 5,105 |
| Cost of funding earning assets | 0.3404% | 6,677 |
| Net interest margin | 3.8593% | 3,099 |
| Noninterest income to average assets | 0.6802% | 2,757 |
| Noninterest expense to average assets | 3.0920% | 2,938 |
| Loan and lease loss provision to assets | 0.2992% | 2,091 |
| Net operating income to assets | 0.6325% | 4,207 |
| Return on assets (ROA) | 0.6603% | 4,286 |
| Pretax return on assets | 0.8059% | 4,394 |
| Return on Equity (ROE) | 6.8267% | 3,875 |
| Retained earnings to average equity (ytd only) | 6.8267% | 2,513 |
| Net charge-offs to loans | 0.2297% | 2,779 |
| Credit loss provision to net charge-offs | 300.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 10.7400% | 1,731 |
| Efficiency ratio | 69.7173% | 3,864 |
| Assets per employee ($millions) | 3.0825% | 5,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0693% | 2,171 |
| Loan loss allowance to noncurrent loans | 44.9063% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 2.2311% | 2,662 |
| Noncurrent loans to loans | 4.6080% | 1,246 |
| Net loans and leases to total assets | 40.7090% | 6,291 |
| Net loans and leases to deposits | 45.1480% | 6,484 |
| Net loans and leases to core deposits | 45.2974% | 6,606 |
| Total domestic deposits to total assets | 90.1678% | 996 |
| Equity capital to assets | 9.5673% | 4,698 |
| Core capital (leverage) ratio | 7.4526% | 6,661 |
| Tier 1 risk-based capital ratio | 13.1265% | 5,112 |
| Total risk-based capital ratio | 14.3810% | 5,080 |
| Memoranda: | ||
| Average total assets | $200,517,000 | 3,098 |
| Average earning assets | $180,967,000 | 3,134 |
| Average equity | $19,394,500 | 3,299 |
| Average total loans | $87,082,000 | 3,911 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6841% | 4,312 |
| Cost of funding earning assets | 0.5725% | 6,227 |
| Net interest margin | 4.1116% | 2,382 |
| Noninterest income to average assets | 0.5461% | 3,540 |
| Noninterest expense to average assets | 3.3069% | 2,502 |
| Loan and lease loss provision to assets | 0.5354% | 1,960 |
| Net operating income to assets | 0.3946% | 4,891 |
| Return on assets (ROA) | 0.3635% | 5,183 |
| Pretax return on assets | 0.3528% | 5,420 |
| Return on Equity (ROE) | 3.9075% | 4,898 |
| Retained earnings to average equity (ytd only) | 3.9075% | 3,431 |
| Net charge-offs to loans | 0.7354% | 2,312 |
| Credit loss provision to net charge-offs | 151.9537% | 1,848 |
| Earnings coverage of net charge-offs (x) | 2.6093% | 3,907 |
| Efficiency ratio | 73.6639% | 3,286 |
| Assets per employee ($millions) | 3.2392% | 5,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8428% | 2,735 |
| Loan loss allowance to noncurrent loans | 43.2992% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 2.1995% | 2,741 |
| Noncurrent loans to loans | 4.2559% | 1,437 |
| Net loans and leases to total assets | 44.5078% | 6,161 |
| Net loans and leases to deposits | 49.5113% | 6,397 |
| Net loans and leases to core deposits | 49.9602% | 6,531 |
| Total domestic deposits to total assets | 89.8942% | 1,045 |
| Equity capital to assets | 9.7804% | 4,466 |
| Core capital (leverage) ratio | 7.4135% | 6,696 |
| Tier 1 risk-based capital ratio | 12.5357% | 5,416 |
| Total risk-based capital ratio | 13.7765% | 5,414 |
| Memoranda: | ||
| Average total assets | $196,132,600 | 3,100 |
| Average earning assets | $175,552,000 | 3,150 |
| Average equity | $18,247,000 | 3,393 |
| Average total loans | $93,964,200 | 3,766 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7153% | 4,383 |
| Cost of funding earning assets | 0.6233% | 6,163 |
| Net interest margin | 4.0920% | 2,507 |
| Noninterest income to average assets | 0.5156% | 3,754 |
| Noninterest expense to average assets | 3.3154% | 2,446 |
| Loan and lease loss provision to assets | 0.6130% | 1,606 |
| Net operating income to assets | 0.2963% | 5,406 |
| Return on assets (ROA) | 0.2588% | 5,693 |
| Pretax return on assets | 0.2070% | 5,883 |
| Return on Equity (ROE) | 2.8182% | 5,497 |
| Retained earnings to average equity (ytd only) | 2.8182% | 4,670 |
| Net charge-offs to loans | 0.5681% | 2,536 |
| Credit loss provision to net charge-offs | 222.2222% | 1,284 |
| Earnings coverage of net charge-offs (x) | 3.1086% | 3,582 |
| Efficiency ratio | 74.8001% | 3,035 |
| Assets per employee ($millions) | 3.0781% | 5,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9414% | 2,498 |
| Loan loss allowance to noncurrent loans | 44.7197% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 2.3812% | 2,699 |
| Noncurrent loans to loans | 4.3413% | 1,505 |
| Net loans and leases to total assets | 45.8170% | 6,164 |
| Net loans and leases to deposits | 50.9601% | 6,447 |
| Net loans and leases to core deposits | 51.4217% | 6,598 |
| Total domestic deposits to total assets | 89.9077% | 914 |
| Equity capital to assets | 9.5878% | 4,950 |
| Core capital (leverage) ratio | 7.0971% | 6,930 |
| Tier 1 risk-based capital ratio | 12.1411% | 5,787 |
| Total risk-based capital ratio | 13.3828% | 5,786 |
| Memoranda: | ||
| Average total assets | $195,768,250 | 3,122 |
| Average earning assets | $174,971,250 | 3,173 |
| Average equity | $17,977,500 | 3,430 |
| Average total loans | $95,056,750 | 3,778 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7153% | 4,467 |
| Cost of funding earning assets | 0.6946% | 5,998 |
| Net interest margin | 4.0207% | 2,741 |
| Noninterest income to average assets | 0.5283% | 3,642 |
| Noninterest expense to average assets | 3.2904% | 2,601 |
| Loan and lease loss provision to assets | 0.8190% | 1,121 |
| Net operating income to assets | 0.1301% | 5,930 |
| Return on assets (ROA) | 0.0993% | 6,100 |
| Pretax return on assets | -0.0379% | 6,305 |
| Return on Equity (ROE) | 1.0977% | 6,059 |
| Retained earnings to average equity (ytd only) | 1.0977% | 5,422 |
| Net charge-offs to loans | 0.8266% | 1,853 |
| Credit loss provision to net charge-offs | 201.5113% | 1,496 |
| Earnings coverage of net charge-offs (x) | 2.0403% | 3,838 |
| Efficiency ratio | 75.1491% | 3,156 |
| Assets per employee ($millions) | 2.7419% | 6,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7849% | 3,041 |
| Loan loss allowance to noncurrent loans | 43.0203% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 2.3853% | 2,765 |
| Noncurrent loans to loans | 4.1490% | 1,644 |
| Net loans and leases to total assets | 47.2444% | 6,127 |
| Net loans and leases to deposits | 52.2118% | 6,457 |
| Net loans and leases to core deposits | 52.8517% | 6,620 |
| Total domestic deposits to total assets | 90.4861% | 718 |
| Equity capital to assets | 9.1791% | 5,311 |
| Core capital (leverage) ratio | 6.7279% | 7,073 |
| Tier 1 risk-based capital ratio | 11.5679% | 6,117 |
| Total risk-based capital ratio | 12.8091% | 6,110 |
| Memoranda: | ||
| Average total assets | $195,357,330 | 3,146 |
| Average earning assets | $174,497,330 | 3,197 |
| Average equity | $17,674,000 | 3,467 |
| Average total loans | $96,060,000 | 3,794 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7895% | 4,105 |
| Cost of funding earning assets | 0.7475% | 5,870 |
| Net interest margin | 4.0420% | 2,504 |
| Noninterest income to average assets | 0.4528% | 4,255 |
| Noninterest expense to average assets | 3.4354% | 2,179 |
| Loan and lease loss provision to assets | 0.9263% | 854 |
| Net operating income to assets | -0.2986% | 6,660 |
| Return on assets (ROA) | -0.3149% | 6,685 |
| Pretax return on assets | -0.3190% | 6,633 |
| Return on Equity (ROE) | -3.5071% | 6,711 |
| Retained earnings to average equity (ytd only) | -3.5071% | 6,367 |
| Net charge-offs to loans | 1.5444% | 879 |
| Credit loss provision to net charge-offs | 120.6434% | 2,264 |
| Earnings coverage of net charge-offs (x) | 0.8123% | 4,034 |
| Efficiency ratio | 79.8174% | 2,571 |
| Assets per employee ($millions) | 2.7686% | 6,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4441% | 4,464 |
| Loan loss allowance to noncurrent loans | 54.2393% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 1.6462% | 3,782 |
| Noncurrent loans to loans | 2.6624% | 2,830 |
| Net loans and leases to total assets | 47.5317% | 6,132 |
| Net loans and leases to deposits | 52.2725% | 6,454 |
| Net loans and leases to core deposits | 52.5575% | 6,651 |
| Total domestic deposits to total assets | 90.9305% | 663 |
| Equity capital to assets | 8.8310% | 5,446 |
| Core capital (leverage) ratio | 6.7146% | 7,110 |
| Tier 1 risk-based capital ratio | 11.4180% | 6,164 |
| Total risk-based capital ratio | 12.6435% | 6,173 |
| Memoranda: | ||
| Average total assets | $194,328,000 | 3,185 |
| Average earning assets | $173,378,000 | 3,246 |
| Average equity | $17,450,500 | 3,502 |
| Average total loans | $96,608,500 | 3,817 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1801% | 3,702 |
| Cost of funding earning assets | 0.9201% | 6,084 |
| Net interest margin | 4.2600% | 1,953 |
| Noninterest income to average assets | 0.5824% | 3,577 |
| Noninterest expense to average assets | 3.7808% | 1,522 |
| Loan and lease loss provision to assets | 0.4037% | 3,694 |
| Net operating income to assets | 0.2266% | 5,193 |
| Return on assets (ROA) | 0.2126% | 5,404 |
| Pretax return on assets | 0.1545% | 5,586 |
| Return on Equity (ROE) | 2.2656% | 5,273 |
| Retained earnings to average equity (ytd only) | 2.2656% | 4,297 |
| Net charge-offs to loans | 0.7722% | 2,706 |
| Credit loss provision to net charge-offs | 96.6495% | 4,804 |
| Earnings coverage of net charge-offs (x) | 1.3698% | 4,741 |
| Efficiency ratio | 82.1689% | 2,144 |
| Assets per employee ($millions) | 2.7441% | 6,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 4,937 |
| Loan loss allowance to noncurrent loans | 49.6350% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 1.9559% | 3,402 |
| Noncurrent loans to loans | 2.6449% | 2,875 |
| Net loans and leases to total assets | 50.5622% | 6,108 |
| Net loans and leases to deposits | 55.8843% | 6,455 |
| Net loans and leases to core deposits | 56.1950% | 6,683 |
| Total domestic deposits to total assets | 90.4767% | 847 |
| Equity capital to assets | 9.1324% | 4,941 |
| Core capital (leverage) ratio | 7.0892% | 6,984 |
| Tier 1 risk-based capital ratio | 11.5995% | 5,822 |
| Total risk-based capital ratio | 12.7689% | 5,900 |
| Memoranda: | ||
| Average total assets | $185,780,800 | 3,284 |
| Average earning assets | $164,436,400 | 3,368 |
| Average equity | $17,435,000 | 3,510 |
| Average total loans | $100,497,800 | 3,779 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2315% | 3,678 |
| Cost of funding earning assets | 0.9418% | 6,217 |
| Net interest margin | 4.2897% | 1,879 |
| Noninterest income to average assets | 0.6022% | 3,424 |
| Noninterest expense to average assets | 3.7798% | 1,409 |
| Loan and lease loss provision to assets | 0.3257% | 3,984 |
| Net operating income to assets | 0.2881% | 5,213 |
| Return on assets (ROA) | 0.2881% | 5,381 |
| Pretax return on assets | 0.2881% | 5,542 |
| Return on Equity (ROE) | 3.0483% | 5,201 |
| Retained earnings to average equity (ytd only) | 3.0483% | 4,302 |
| Net charge-offs to loans | 0.4963% | 3,291 |
| Credit loss provision to net charge-offs | 119.6809% | 3,448 |
| Earnings coverage of net charge-offs (x) | 2.2553% | 4,043 |
| Efficiency ratio | 81.3344% | 2,148 |
| Assets per employee ($millions) | 2.5983% | 6,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 4,502 |
| Loan loss allowance to noncurrent loans | 43.1896% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 2.2273% | 3,164 |
| Noncurrent loans to loans | 3.2247% | 2,462 |
| Net loans and leases to total assets | 53.4231% | 5,928 |
| Net loans and leases to deposits | 59.4972% | 6,355 |
| Net loans and leases to core deposits | 60.1803% | 6,584 |
| Total domestic deposits to total assets | 89.7909% | 971 |
| Equity capital to assets | 9.7706% | 4,453 |
| Core capital (leverage) ratio | 7.2235% | 7,044 |
| Tier 1 risk-based capital ratio | 11.5741% | 5,858 |
| Total risk-based capital ratio | 12.8080% | 5,863 |
| Memoranda: | ||
| Average total assets | $184,204,500 | 3,357 |
| Average earning assets | $162,805,500 | 3,449 |
| Average equity | $17,408,250 | 3,574 |
| Average total loans | $101,018,500 | 3,836 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2114% | 3,892 |
| Cost of funding earning assets | 0.9621% | 6,328 |
| Net interest margin | 4.2493% | 1,967 |
| Noninterest income to average assets | 0.5236% | 3,928 |
| Noninterest expense to average assets | 3.7608% | 1,436 |
| Loan and lease loss provision to assets | 0.3259% | 3,792 |
| Net operating income to assets | 0.1792% | 5,634 |
| Return on assets (ROA) | 0.1586% | 5,813 |
| Pretax return on assets | 0.1586% | 5,865 |
| Return on Equity (ROE) | 1.6974% | 5,736 |
| Retained earnings to average equity (ytd only) | 1.6974% | 5,028 |
| Net charge-offs to loans | 0.5682% | 2,837 |
| Credit loss provision to net charge-offs | 104.1667% | 3,912 |
| Earnings coverage of net charge-offs (x) | 1.6146% | 4,288 |
| Efficiency ratio | 83.3206% | 1,997 |
| Assets per employee ($millions) | 2.4770% | 7,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 4,777 |
| Loan loss allowance to noncurrent loans | 38.2514% | 5,804 |
| Noncurrent assets plus other real estate owned to assets | 2.4141% | 2,976 |
| Noncurrent loans to loans | 3.4702% | 2,283 |
| Net loans and leases to total assets | 53.9373% | 5,990 |
| Net loans and leases to deposits | 59.7602% | 6,434 |
| Net loans and leases to core deposits | 62.3021% | 6,530 |
| Total domestic deposits to total assets | 90.2563% | 789 |
| Equity capital to assets | 9.4442% | 4,793 |
| Core capital (leverage) ratio | 7.0370% | 7,168 |
| Tier 1 risk-based capital ratio | 11.5280% | 5,745 |
| Total risk-based capital ratio | 12.7362% | 5,755 |
| Memoranda: | ||
| Average total assets | $184,112,000 | 3,386 |
| Average earning assets | $162,144,670 | 3,478 |
| Average equity | $17,202,670 | 3,603 |
| Average total loans | $101,375,330 | 3,849 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2959% | 3,573 |
| Cost of funding earning assets | 0.9865% | 6,436 |
| Net interest margin | 4.3094% | 1,660 |
| Noninterest income to average assets | 0.6157% | 3,165 |
| Noninterest expense to average assets | 3.9974% | 1,034 |
| Loan and lease loss provision to assets | 0.3252% | 3,458 |
| Net operating income to assets | 0.0715% | 6,105 |
| Return on assets (ROA) | 0.0672% | 6,219 |
| Pretax return on assets | 0.0672% | 6,213 |
| Return on Equity (ROE) | 0.7231% | 6,201 |
| Retained earnings to average equity (ytd only) | 0.7231% | 5,536 |
| Net charge-offs to loans | 0.6277% | 2,252 |
| Credit loss provision to net charge-offs | 93.7500% | 3,569 |
| Earnings coverage of net charge-offs (x) | 1.1438% | 4,082 |
| Efficiency ratio | 86.2852% | 1,768 |
| Assets per employee ($millions) | 2.5648% | 7,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 4,924 |
| Loan loss allowance to noncurrent loans | 48.3192% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 2.2121% | 3,261 |
| Noncurrent loans to loans | 2.6959% | 2,977 |
| Net loans and leases to total assets | 53.6660% | 6,070 |
| Net loans and leases to deposits | 59.4320% | 6,517 |
| Net loans and leases to core deposits | 60.1009% | 6,737 |
| Total domestic deposits to total assets | 90.2983% | 832 |
| Equity capital to assets | 9.3146% | 4,809 |
| Core capital (leverage) ratio | 6.9306% | 7,293 |
| Tier 1 risk-based capital ratio | 11.2353% | 5,916 |
| Total risk-based capital ratio | 12.4208% | 5,948 |
| Memoranda: | ||
| Average total assets | $184,519,000 | 3,438 |
| Average earning assets | $161,786,500 | 3,531 |
| Average equity | $17,148,500 | 3,628 |
| Average total loans | $101,965,000 | 3,890 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5728% | 3,745 |
| Cost of funding earning assets | 1.2259% | 6,568 |
| Net interest margin | 4.3469% | 1,583 |
| Noninterest income to average assets | 0.7340% | 2,766 |
| Noninterest expense to average assets | 3.7727% | 1,747 |
| Loan and lease loss provision to assets | 0.2968% | 5,057 |
| Net operating income to assets | 0.4242% | 4,034 |
| Return on assets (ROA) | 0.4204% | 4,151 |
| Pretax return on assets | 0.4841% | 4,229 |
| Return on Equity (ROE) | 4.6522% | 3,822 |
| Retained earnings to average equity (ytd only) | 4.4611% | 2,130 |
| Net charge-offs to loans | 0.2533% | 5,035 |
| Credit loss provision to net charge-offs | 205.2239% | 1,880 |
| Earnings coverage of net charge-offs (x) | 5.4291% | 2,603 |
| Efficiency ratio | 78.2712% | 3,149 |
| Assets per employee ($millions) | 2.4915% | 7,214 |
| Cash dividends to net income (ytd only)* | 4.1078% | 3,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 4,919 |
| Loan loss allowance to noncurrent loans | 43.1001% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 2.3290% | 2,968 |
| Noncurrent loans to loans | 2.9541% | 2,604 |
| Net loans and leases to total assets | 55.4320% | 6,033 |
| Net loans and leases to deposits | 61.3969% | 6,525 |
| Net loans and leases to core deposits | 66.6688% | 6,951 |
| Total domestic deposits to total assets | 90.2848% | 844 |
| Equity capital to assets | 9.2727% | 4,735 |
| Core capital (leverage) ratio | 6.9080% | 7,308 |
| Tier 1 risk-based capital ratio | 10.9210% | 5,991 |
| Total risk-based capital ratio | 12.0941% | 6,043 |
| Memoranda: | ||
| Average total assets | $185,280,200 | 3,348 |
| Average earning assets | $162,988,600 | 3,464 |
| Average equity | $16,744,800 | 3,725 |
| Average total loans | $105,818,400 | 3,783 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5583% | 4,104 |
| Cost of funding earning assets | 1.2781% | 6,630 |
| Net interest margin | 4.2803% | 1,783 |
| Noninterest income to average assets | 0.8014% | 2,426 |
| Noninterest expense to average assets | 3.7963% | 1,595 |
| Loan and lease loss provision to assets | 0.2875% | 4,676 |
| Net operating income to assets | 0.3986% | 4,408 |
| Return on assets (ROA) | 0.3917% | 4,531 |
| Pretax return on assets | 0.4880% | 4,551 |
| Return on Equity (ROE) | 4.3624% | 4,225 |
| Retained earnings to average equity (ytd only) | 4.3624% | 2,834 |
| Net charge-offs to loans | 0.1817% | 4,934 |
| Credit loss provision to net charge-offs | 275.8621% | 1,533 |
| Earnings coverage of net charge-offs (x) | 7.5241% | 2,390 |
| Efficiency ratio | 78.4089% | 3,100 |
| Assets per employee ($millions) | 2.4484% | 7,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 4,902 |
| Loan loss allowance to noncurrent loans | 40.1680% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 2.6118% | 2,666 |
| Noncurrent loans to loans | 3.0875% | 2,448 |
| Net loans and leases to total assets | 55.9855% | 6,146 |
| Net loans and leases to deposits | 62.1648% | 6,659 |
| Net loans and leases to core deposits | 67.6932% | 7,085 |
| Total domestic deposits to total assets | 90.0598% | 744 |
| Equity capital to assets | 9.4648% | 4,791 |
| Core capital (leverage) ratio | 6.5982% | 7,631 |
| Tier 1 risk-based capital ratio | 10.7474% | 6,212 |
| Total risk-based capital ratio | 11.9091% | 6,270 |
| Memoranda: | ||
| Average total assets | $185,507,750 | 3,376 |
| Average earning assets | $163,785,750 | 3,476 |
| Average equity | $16,657,000 | 3,776 |
| Average total loans | $106,393,500 | 3,814 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5673% | 4,235 |
| Cost of funding earning assets | 1.3432% | 6,668 |
| Net interest margin | 4.2241% | 1,901 |
| Noninterest income to average assets | 0.7983% | 2,421 |
| Noninterest expense to average assets | 3.8392% | 1,593 |
| Loan and lease loss provision to assets | 0.2686% | 4,434 |
| Net operating income to assets | 0.3500% | 4,679 |
| Return on assets (ROA) | 0.3481% | 4,804 |
| Pretax return on assets | 0.3954% | 4,947 |
| Return on Equity (ROE) | 3.9474% | 4,517 |
| Retained earnings to average equity (ytd only) | 3.9474% | 3,084 |
| Net charge-offs to loans | 0.1269% | 4,897 |
| Credit loss provision to net charge-offs | 367.6471% | 1,268 |
| Earnings coverage of net charge-offs (x) | 9.1176% | 2,170 |
| Efficiency ratio | 80.6821% | 2,938 |
| Assets per employee ($millions) | 2.4654% | 7,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 5,171 |
| Loan loss allowance to noncurrent loans | 52.1851% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 2.0056% | 3,189 |
| Noncurrent loans to loans | 2.2304% | 3,216 |
| Net loans and leases to total assets | 55.1980% | 6,319 |
| Net loans and leases to deposits | 60.7585% | 6,834 |
| Net loans and leases to core deposits | 66.2395% | 7,201 |
| Total domestic deposits to total assets | 90.8481% | 510 |
| Equity capital to assets | 8.7916% | 5,610 |
| Core capital (leverage) ratio | 6.4362% | 7,826 |
| Tier 1 risk-based capital ratio | 10.3904% | 6,489 |
| Total risk-based capital ratio | 11.4824% | 6,602 |
| Memoranda: | ||
| Average total assets | $186,134,330 | 3,393 |
| Average earning assets | $163,347,000 | 3,498 |
| Average equity | $16,416,000 | 3,835 |
| Average total loans | $107,159,330 | 3,828 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6235% | 4,217 |
| Cost of funding earning assets | 1.4316% | 6,631 |
| Net interest margin | 4.1919% | 1,926 |
| Noninterest income to average assets | 0.7503% | 2,596 |
| Noninterest expense to average assets | 3.8595% | 1,370 |
| Loan and lease loss provision to assets | 0.2156% | 4,292 |
| Net operating income to assets | 0.2668% | 5,414 |
| Return on assets (ROA) | 0.2652% | 5,582 |
| Pretax return on assets | 0.3601% | 5,513 |
| Return on Equity (ROE) | 3.0023% | 5,372 |
| Retained earnings to average equity (ytd only) | 3.0023% | 4,206 |
| Net charge-offs to loans | 0.2177% | 3,338 |
| Credit loss provision to net charge-offs | 169.4915% | 2,527 |
| Earnings coverage of net charge-offs (x) | 4.5424% | 2,863 |
| Efficiency ratio | 82.3615% | 2,487 |
| Assets per employee ($millions) | 2.3906% | 7,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 6,111 |
| Loan loss allowance to noncurrent loans | 43.5327% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 2.1176% | 2,726 |
| Noncurrent loans to loans | 2.3204% | 2,832 |
| Net loans and leases to total assets | 57.3373% | 6,047 |
| Net loans and leases to deposits | 63.2248% | 6,633 |
| Net loans and leases to core deposits | 69.0076% | 7,081 |
| Total domestic deposits to total assets | 90.6880% | 523 |
| Equity capital to assets | 8.8953% | 5,484 |
| Core capital (leverage) ratio | 6.2206% | 7,965 |
| Tier 1 risk-based capital ratio | 10.2389% | 6,662 |
| Total risk-based capital ratio | 11.2203% | 6,861 |
| Memoranda: | ||
| Average total assets | $185,516,000 | 3,420 |
| Average earning assets | $163,173,000 | 3,525 |
| Average equity | $16,387,500 | 3,866 |
| Average total loans | $108,417,500 | 3,826 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0543% | 5,276 |
| Cost of funding earning assets | 1.8126% | 6,968 |
| Net interest margin | 4.2417% | 2,151 |
| Noninterest income to average assets | 0.6340% | 3,603 |
| Noninterest expense to average assets | 3.8083% | 1,737 |
| Loan and lease loss provision to assets | 0.3682% | 3,472 |
| Net operating income to assets | 0.1996% | 5,847 |
| Return on assets (ROA) | 0.1996% | 5,666 |
| Pretax return on assets | 0.2241% | 5,675 |
| Return on Equity (ROE) | 2.2694% | 5,515 |
| Retained earnings to average equity (ytd only) | -0.2731% | 5,366 |
| Net charge-offs to loans | 0.5607% | 2,135 |
| Credit loss provision to net charge-offs | 107.3095% | 5,000 |
| Earnings coverage of net charge-offs (x) | 1.7263% | 5,214 |
| Efficiency ratio | 81.9428% | 2,308 |
| Assets per employee ($millions) | 2.3666% | 7,459 |
| Cash dividends to net income (ytd only)* | 112.0321% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 6,449 |
| Loan loss allowance to noncurrent loans | 37.3064% | 6,239 |
| Noncurrent assets plus other real estate owned to assets | 2.1064% | 2,328 |
| Noncurrent loans to loans | 2.5196% | 2,158 |
| Net loans and leases to total assets | 58.3976% | 6,145 |
| Net loans and leases to deposits | 65.1170% | 6,705 |
| Net loans and leases to core deposits | 71.0829% | 7,129 |
| Total domestic deposits to total assets | 89.6811% | 775 |
| Equity capital to assets | 8.7726% | 5,700 |
| Core capital (leverage) ratio | 6.1803% | 8,027 |
| Tier 1 risk-based capital ratio | 9.7734% | 6,983 |
| Total risk-based capital ratio | 10.6923% | 7,285 |
| Memoranda: | ||
| Average total assets | $187,380,400 | 3,307 |
| Average earning assets | $166,393,600 | 3,378 |
| Average equity | $16,480,200 | 3,828 |
| Average total loans | $114,687,400 | 3,569 |