Home > Cornerbank > Performance and Condition Ratios
Cornerbank, Performance and Condition Ratios
| 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 | 3.7241% | 4,214 |
| Cost of funding earning assets | 0.3068% | 4,049 |
| Net interest margin | 3.4173% | 3,821 |
| Noninterest income to average assets | 1.0262% | 1,062 |
| Noninterest expense to average assets | 3.6705% | 917 |
| Loan and lease loss provision to assets | 0.0262% | 3,608 |
| Net operating income to assets | 0.5504% | 4,481 |
| Return on assets (ROA) | 1.2854% | 1,427 |
| Pretax return on assets | 1.3217% | 2,316 |
| Return on Equity (ROE) | 13.6798% | 887 |
| Retained earnings to average equity (ytd only) | 11.2011% | 415 |
| Net charge-offs to loans | 0.0075% | 3,427 |
| Credit loss provision to net charge-offs | 600.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 135.1667% | 442 |
| Efficiency ratio | 86.1462% | 864 |
| Assets per employee ($millions) | 2.8972% | 5,536 |
| Cash dividends to net income (ytd only)* | 18.1200% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 2,447 |
| Loan loss allowance to noncurrent loans | 229.3568% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.6615% | 3,020 |
| Noncurrent loans to loans | 0.5965% | 3,275 |
| Net loans and leases to total assets | 60.4627% | 3,818 |
| Net loans and leases to deposits | 69.3065% | 4,052 |
| Net loans and leases to core deposits | 75.6132% | 3,853 |
| Total domestic deposits to total assets | 87.2397% | 1,789 |
| Equity capital to assets | 9.9865% | 4,244 |
| Core capital (leverage) ratio | 9.5202% | 4,182 |
| Tier 1 risk-based capital ratio | 14.2207% | 3,484 |
| Total risk-based capital ratio | 15.4477% | 3,417 |
| Memoranda: | ||
| Average total assets | $274,788,670 | 2,333 |
| Average earning assets | $260,090,330 | 2,299 |
| Average equity | $25,819,000 | 2,682 |
| Average total loans | $159,812,000 | 2,533 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6680% | 4,430 |
| Cost of funding earning assets | 0.3025% | 4,138 |
| Net interest margin | 3.3655% | 3,991 |
| Noninterest income to average assets | 0.9787% | 1,125 |
| Noninterest expense to average assets | 3.3115% | 1,572 |
| Loan and lease loss provision to assets | 0.0514% | 2,900 |
| Net operating income to assets | 0.7769% | 3,368 |
| Return on assets (ROA) | 1.0786% | 2,094 |
| Pretax return on assets | 1.1171% | 3,029 |
| Return on Equity (ROE) | 11.8291% | 1,364 |
| Retained earnings to average equity (ytd only) | 8.9031% | 1,145 |
| Net charge-offs to loans | -0.0126% | 4,631 |
| Credit loss provision to net charge-offs | -720.0000% | 4,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4319% | 1,675 |
| Assets per employee ($millions) | 2.8802% | 5,614 |
| Cash dividends to net income (ytd only)* | 24.7354% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 2,334 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2881% | 4,408 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 57.0048% | 4,148 |
| Net loans and leases to deposits | 67.1539% | 4,142 |
| Net loans and leases to core deposits | 72.7331% | 4,003 |
| Total domestic deposits to total assets | 84.8868% | 3,170 |
| Equity capital to assets | 9.6182% | 4,545 |
| Core capital (leverage) ratio | 8.9112% | 4,954 |
| Tier 1 risk-based capital ratio | 14.0104% | 3,687 |
| Total risk-based capital ratio | 15.2604% | 3,615 |
| Memoranda: | ||
| Average total assets | $280,360,500 | 2,312 |
| Average earning assets | $265,758,000 | 2,264 |
| Average equity | $25,564,000 | 2,701 |
| Average total loans | $158,909,000 | 2,543 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5667% | 4,760 |
| Cost of funding earning assets | 0.2889% | 4,380 |
| Net interest margin | 3.2778% | 4,379 |
| Noninterest income to average assets | 1.0999% | 973 |
| Noninterest expense to average assets | 3.5436% | 1,224 |
| Loan and lease loss provision to assets | 0.1271% | 1,899 |
| Net operating income to assets | 0.5345% | 4,562 |
| Return on assets (ROA) | 0.6349% | 4,202 |
| Pretax return on assets | 0.6536% | 4,665 |
| Return on Equity (ROE) | 7.3462% | 3,335 |
| Retained earnings to average equity (ytd only) | 3.1708% | 3,798 |
| Net charge-offs to loans | 0.0222% | 3,822 |
| Credit loss provision to net charge-offs | 1,076.4706% | 313 |
| Earnings coverage of net charge-offs (x) | 57.3529% | 899 |
| Efficiency ratio | 83.9546% | 1,183 |
| Assets per employee ($millions) | 3.0525% | 5,476 |
| Cash dividends to net income (ytd only)* | 56.8381% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 2,660 |
| Loan loss allowance to noncurrent loans | 43,620.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 4,509 |
| Noncurrent loans to loans | 0.0031% | 5,551 |
| Net loans and leases to total assets | 54.8589% | 4,410 |
| Net loans and leases to deposits | 62.7961% | 4,563 |
| Net loans and leases to core deposits | 71.2612% | 4,195 |
| Total domestic deposits to total assets | 87.3603% | 1,947 |
| Equity capital to assets | 8.6515% | 5,424 |
| Core capital (leverage) ratio | 8.7046% | 5,210 |
| Tier 1 risk-based capital ratio | 12.9809% | 4,332 |
| Total risk-based capital ratio | 14.1518% | 4,277 |
| Memoranda: | ||
| Average total assets | $287,923,800 | 2,220 |
| Average earning assets | $274,147,600 | 2,174 |
| Average equity | $24,883,600 | 2,700 |
| Average total loans | $153,447,600 | 2,550 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5662% | 4,829 |
| Cost of funding earning assets | 0.2875% | 4,473 |
| Net interest margin | 3.2787% | 4,430 |
| Noninterest income to average assets | 1.0586% | 1,071 |
| Noninterest expense to average assets | 3.4046% | 1,474 |
| Loan and lease loss provision to assets | 0.1373% | 1,626 |
| Net operating income to assets | 0.6214% | 4,277 |
| Return on assets (ROA) | 0.6889% | 4,067 |
| Pretax return on assets | 0.7079% | 4,659 |
| Return on Equity (ROE) | 7.9732% | 3,084 |
| Retained earnings to average equity (ytd only) | 4.5531% | 3,230 |
| Net charge-offs to loans | 0.0185% | 3,575 |
| Credit loss provision to net charge-offs | 1,409.5238% | 259 |
| Earnings coverage of net charge-offs (x) | 79.6171% | 747 |
| Efficiency ratio | 81.4449% | 1,473 |
| Assets per employee ($millions) | 2.9463% | 5,606 |
| Cash dividends to net income (ytd only)* | 42.8955% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 2,834 |
| Loan loss allowance to noncurrent loans | 42,480.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 4,678 |
| Noncurrent loans to loans | 0.0032% | 5,653 |
| Net loans and leases to total assets | 53.6627% | 4,595 |
| Net loans and leases to deposits | 65.1522% | 4,455 |
| Net loans and leases to core deposits | 75.0539% | 3,904 |
| Total domestic deposits to total assets | 82.3650% | 4,045 |
| Equity capital to assets | 8.7390% | 5,548 |
| Core capital (leverage) ratio | 8.2374% | 5,751 |
| Tier 1 risk-based capital ratio | 13.2595% | 4,281 |
| Total risk-based capital ratio | 14.4215% | 4,259 |
| Memoranda: | ||
| Average total assets | $287,408,750 | 2,242 |
| Average earning assets | $273,638,750 | 2,198 |
| Average equity | $24,832,500 | 2,728 |
| Average total loans | $151,493,750 | 2,589 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5292% | 4,913 |
| Cost of funding earning assets | 0.2809% | 4,601 |
| Net interest margin | 3.2483% | 4,508 |
| Noninterest income to average assets | 0.9820% | 1,217 |
| Noninterest expense to average assets | 3.3405% | 1,599 |
| Loan and lease loss provision to assets | 0.0976% | 2,193 |
| Net operating income to assets | 0.6242% | 4,241 |
| Return on assets (ROA) | 0.7130% | 3,947 |
| Pretax return on assets | 0.7297% | 4,561 |
| Return on Equity (ROE) | 8.2837% | 2,895 |
| Retained earnings to average equity (ytd only) | 5.2472% | 2,707 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9316% | 1,500 |
| Assets per employee ($millions) | 3.0385% | 5,550 |
| Cash dividends to net income (ytd only)* | 36.6569% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 3,481 |
| Loan loss allowance to noncurrent loans | 1,353.0612% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 4,460 |
| Noncurrent loans to loans | 0.0927% | 5,373 |
| Net loans and leases to total assets | 53.6528% | 4,590 |
| Net loans and leases to deposits | 61.7254% | 4,721 |
| Net loans and leases to core deposits | 75.9875% | 3,767 |
| Total domestic deposits to total assets | 86.9217% | 2,208 |
| Equity capital to assets | 8.4492% | 5,723 |
| Core capital (leverage) ratio | 8.4038% | 5,629 |
| Tier 1 risk-based capital ratio | 13.2002% | 4,394 |
| Total risk-based capital ratio | 14.2924% | 4,414 |
| Memoranda: | ||
| Average total assets | $286,965,330 | 2,256 |
| Average earning assets | $273,435,670 | 2,208 |
| Average equity | $24,699,000 | 2,748 |
| Average total loans | $149,635,330 | 2,624 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4443% | 5,103 |
| Cost of funding earning assets | 0.2800% | 4,670 |
| Net interest margin | 3.1643% | 4,740 |
| Noninterest income to average assets | 0.9290% | 1,303 |
| Noninterest expense to average assets | 3.1680% | 2,068 |
| Loan and lease loss provision to assets | 0.0703% | 2,535 |
| Net operating income to assets | 0.6473% | 4,061 |
| Return on assets (ROA) | 0.7266% | 3,798 |
| Pretax return on assets | 0.7955% | 4,258 |
| Return on Equity (ROE) | 8.3638% | 2,773 |
| Retained earnings to average equity (ytd only) | 5.3224% | 2,875 |
| Net charge-offs to loans | -0.0193% | 5,034 |
| Credit loss provision to net charge-offs | -714.2857% | 4,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2707% | 1,869 |
| Assets per employee ($millions) | 3.0773% | 5,573 |
| Cash dividends to net income (ytd only)* | 36.3636% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 3,261 |
| Loan loss allowance to noncurrent loans | 1,262.2517% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 4,530 |
| Noncurrent loans to loans | 0.1051% | 5,383 |
| Net loans and leases to total assets | 50.0509% | 4,844 |
| Net loans and leases to deposits | 57.1037% | 4,977 |
| Net loans and leases to core deposits | 68.8462% | 4,251 |
| Total domestic deposits to total assets | 87.6491% | 2,015 |
| Equity capital to assets | 8.8481% | 5,446 |
| Core capital (leverage) ratio | 8.4866% | 5,529 |
| Tier 1 risk-based capital ratio | 14.3430% | 3,805 |
| Total risk-based capital ratio | 14.3430% | 4,478 |
| Memoranda: | ||
| Average total assets | $284,600,000 | 2,290 |
| Average earning assets | $271,404,500 | 2,239 |
| Average equity | $24,725,500 | 2,769 |
| Average total loans | $145,207,000 | 2,688 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5687% | 5,171 |
| Cost of funding earning assets | 0.2978% | 4,817 |
| Net interest margin | 3.2709% | 4,680 |
| Noninterest income to average assets | 1.1398% | 933 |
| Noninterest expense to average assets | 3.5200% | 1,442 |
| Loan and lease loss provision to assets | 0.4147% | 423 |
| Net operating income to assets | 0.2866% | 5,550 |
| Return on assets (ROA) | 0.3368% | 5,489 |
| Pretax return on assets | 0.3622% | 5,582 |
| Return on Equity (ROE) | 3.9285% | 5,144 |
| Retained earnings to average equity (ytd only) | -0.0041% | 5,766 |
| Net charge-offs to loans | 0.4081% | 1,048 |
| Credit loss provision to net charge-offs | 204.8780% | 1,207 |
| Earnings coverage of net charge-offs (x) | 3.5714% | 3,856 |
| Efficiency ratio | 82.9607% | 1,532 |
| Assets per employee ($millions) | 3.1097% | 5,552 |
| Cash dividends to net income (ytd only)* | 100.1047% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 3,672 |
| Loan loss allowance to noncurrent loans | 1,379.8507% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.3614% | 4,621 |
| Noncurrent loans to loans | 0.0913% | 5,524 |
| Net loans and leases to total assets | 50.6694% | 4,900 |
| Net loans and leases to deposits | 57.6206% | 5,089 |
| Net loans and leases to core deposits | 65.9717% | 4,671 |
| Total domestic deposits to total assets | 87.9362% | 1,811 |
| Equity capital to assets | 8.5292% | 5,723 |
| Core capital (leverage) ratio | 8.4482% | 5,612 |
| Tier 1 risk-based capital ratio | 13.8296% | 4,219 |
| Total risk-based capital ratio | 14.9228% | 4,247 |
| Memoranda: | ||
| Average total assets | $283,548,200 | 2,246 |
| Average earning assets | $269,009,200 | 2,203 |
| Average equity | $24,309,800 | 2,729 |
| Average total loans | $140,647,800 | 2,706 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5858% | 5,180 |
| Cost of funding earning assets | 0.3003% | 4,885 |
| Net interest margin | 3.2855% | 4,663 |
| Noninterest income to average assets | 1.1716% | 874 |
| Noninterest expense to average assets | 3.4856% | 1,491 |
| Loan and lease loss provision to assets | 0.3092% | 620 |
| Net operating income to assets | 0.4639% | 5,022 |
| Return on assets (ROA) | 0.5109% | 4,900 |
| Pretax return on assets | 0.5410% | 5,203 |
| Return on Equity (ROE) | 5.9509% | 4,263 |
| Retained earnings to average equity (ytd only) | 1.8995% | 5,103 |
| Net charge-offs to loans | 0.1275% | 2,518 |
| Credit loss provision to net charge-offs | 493.2331% | 584 |
| Earnings coverage of net charge-offs (x) | 12.7668% | 2,287 |
| Efficiency ratio | 81.3283% | 1,706 |
| Assets per employee ($millions) | 3.0500% | 5,677 |
| Cash dividends to net income (ytd only)* | 68.0814% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 3,954 |
| Loan loss allowance to noncurrent loans | 317.7738% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 4,323 |
| Noncurrent loans to loans | 0.3933% | 4,730 |
| Net loans and leases to total assets | 49.8439% | 5,027 |
| Net loans and leases to deposits | 59.2446% | 5,006 |
| Net loans and leases to core deposits | 70.9100% | 4,251 |
| Total domestic deposits to total assets | 84.1323% | 3,708 |
| Equity capital to assets | 8.7446% | 5,598 |
| Core capital (leverage) ratio | 8.5073% | 5,653 |
| Tier 1 risk-based capital ratio | 14.1676% | 4,098 |
| Total risk-based capital ratio | 15.2241% | 4,173 |
| Memoranda: | ||
| Average total assets | $282,913,250 | 2,269 |
| Average earning assets | $268,159,750 | 2,222 |
| Average equity | $24,287,000 | 2,737 |
| Average total loans | $139,107,750 | 2,743 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5895% | 5,179 |
| Cost of funding earning assets | 0.3003% | 4,964 |
| Net interest margin | 3.2892% | 4,632 |
| Noninterest income to average assets | 1.3642% | 649 |
| Noninterest expense to average assets | 3.5377% | 1,411 |
| Loan and lease loss provision to assets | 0.1854% | 1,323 |
| Net operating income to assets | 0.6990% | 3,846 |
| Return on assets (ROA) | 0.7685% | 3,574 |
| Pretax return on assets | 0.8277% | 4,167 |
| Return on Equity (ROE) | 9.0069% | 2,597 |
| Retained earnings to average equity (ytd only) | 4.4539% | 3,337 |
| Net charge-offs to loans | -0.0304% | 5,693 |
| Credit loss provision to net charge-offs | -1,252.3810% | 5,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0361% | 2,163 |
| Assets per employee ($millions) | 2.9956% | 5,757 |
| Cash dividends to net income (ytd only)* | 50.5505% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 4,952 |
| Loan loss allowance to noncurrent loans | 3,645.2381% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.5894% | 4,219 |
| Noncurrent loans to loans | 0.0299% | 5,971 |
| Net loans and leases to total assets | 49.8959% | 4,971 |
| Net loans and leases to deposits | 57.4694% | 5,085 |
| Net loans and leases to core deposits | 68.7315% | 4,397 |
| Total domestic deposits to total assets | 86.8218% | 2,566 |
| Equity capital to assets | 8.8852% | 5,427 |
| Core capital (leverage) ratio | 8.4140% | 5,733 |
| Tier 1 risk-based capital ratio | 14.2767% | 4,079 |
| Total risk-based capital ratio | 15.1901% | 4,234 |
| Memoranda: | ||
| Average total assets | $283,685,670 | 2,264 |
| Average earning assets | $268,393,670 | 2,219 |
| Average equity | $24,203,670 | 2,735 |
| Average total loans | $138,267,000 | 2,757 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5172% | 5,375 |
| Cost of funding earning assets | 0.2950% | 5,119 |
| Net interest margin | 3.2222% | 4,849 |
| Noninterest income to average assets | 1.2465% | 707 |
| Noninterest expense to average assets | 3.3259% | 1,888 |
| Loan and lease loss provision to assets | 0.1244% | 1,945 |
| Net operating income to assets | 0.7722% | 3,297 |
| Return on assets (ROA) | 0.8021% | 3,223 |
| Pretax return on assets | 0.8664% | 3,840 |
| Return on Equity (ROE) | 9.5951% | 2,204 |
| Retained earnings to average equity (ytd only) | 6.4691% | 2,305 |
| Net charge-offs to loans | -0.0613% | 5,903 |
| Credit loss provision to net charge-offs | -423.8095% | 5,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6256% | 2,529 |
| Assets per employee ($millions) | 3.1141% | 5,659 |
| Cash dividends to net income (ytd only)* | 32.5784% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 5,566 |
| Loan loss allowance to noncurrent loans | 2,887.2340% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.8691% | 3,558 |
| Noncurrent loans to loans | 0.0343% | 6,046 |
| Net loans and leases to total assets | 47.3503% | 5,198 |
| Net loans and leases to deposits | 54.3090% | 5,256 |
| Net loans and leases to core deposits | 62.6268% | 4,816 |
| Total domestic deposits to total assets | 87.1868% | 2,714 |
| Equity capital to assets | 8.4932% | 5,661 |
| Core capital (leverage) ratio | 8.2252% | 5,921 |
| Tier 1 risk-based capital ratio | 14.2527% | 4,162 |
| Total risk-based capital ratio | 15.0661% | 4,407 |
| Memoranda: | ||
| Average total assets | $286,234,500 | 2,259 |
| Average earning assets | $269,874,500 | 2,218 |
| Average equity | $23,929,000 | 2,763 |
| Average total loans | $137,133,000 | 2,776 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5241% | 5,592 |
| Cost of funding earning assets | 0.3525% | 5,107 |
| Net interest margin | 3.1716% | 5,087 |
| Noninterest income to average assets | 1.0381% | 1,302 |
| Noninterest expense to average assets | 3.5888% | 1,468 |
| Loan and lease loss provision to assets | 0.0054% | 5,018 |
| Net operating income to assets | 0.4103% | 5,112 |
| Return on assets (ROA) | 0.4926% | 4,900 |
| Pretax return on assets | 0.5085% | 5,182 |
| Return on Equity (ROE) | 5.5614% | 4,354 |
| Retained earnings to average equity (ytd only) | 3.7185% | 3,573 |
| Net charge-offs to loans | 0.2799% | 2,300 |
| Credit loss provision to net charge-offs | 4.3605% | 4,659 |
| Earnings coverage of net charge-offs (x) | 3.4390% | 3,854 |
| Efficiency ratio | 89.3202% | 1,082 |
| Assets per employee ($millions) | 3.2131% | 5,466 |
| Cash dividends to net income (ytd only)* | 33.1370% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9086% | 5,895 |
| Loan loss allowance to noncurrent loans | 1,247.0000% | 427 |
| Noncurrent assets plus other real estate owned to assets | 1.4257% | 2,612 |
| Noncurrent loans to loans | 0.0729% | 5,999 |
| Net loans and leases to total assets | 47.5588% | 5,341 |
| Net loans and leases to deposits | 54.3377% | 5,445 |
| Net loans and leases to core deposits | 61.7920% | 5,082 |
| Total domestic deposits to total assets | 87.5245% | 2,462 |
| Equity capital to assets | 8.2264% | 5,846 |
| Core capital (leverage) ratio | 8.5234% | 5,641 |
| Tier 1 risk-based capital ratio | 13.5338% | 4,633 |
| Total risk-based capital ratio | 14.2553% | 4,921 |
| Memoranda: | ||
| Average total assets | $275,688,800 | 2,308 |
| Average earning assets | $259,014,200 | 2,256 |
| Average equity | $24,418,400 | 2,690 |
| Average total loans | $122,883,600 | 2,985 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4963% | 5,695 |
| Cost of funding earning assets | 0.3670% | 5,127 |
| Net interest margin | 3.1293% | 5,234 |
| Noninterest income to average assets | 0.9954% | 1,470 |
| Noninterest expense to average assets | 3.4148% | 1,792 |
| Loan and lease loss provision to assets | 0.0073% | 4,829 |
| Net operating income to assets | 0.4932% | 4,826 |
| Return on assets (ROA) | 0.5668% | 4,644 |
| Pretax return on assets | 0.5931% | 5,043 |
| Return on Equity (ROE) | 6.2819% | 4,034 |
| Retained earnings to average equity (ytd only) | 4.8643% | 3,181 |
| Net charge-offs to loans | 0.3442% | 1,825 |
| Credit loss provision to net charge-offs | 4.8701% | 4,281 |
| Earnings coverage of net charge-offs (x) | 3.4837% | 3,683 |
| Efficiency ratio | 86.7005% | 1,296 |
| Assets per employee ($millions) | 3.0684% | 5,736 |
| Cash dividends to net income (ytd only)* | 22.5665% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 5,724 |
| Loan loss allowance to noncurrent loans | 1,832.8571% | 284 |
| Noncurrent assets plus other real estate owned to assets | 1.5344% | 2,632 |
| Noncurrent loans to loans | 0.0545% | 6,183 |
| Net loans and leases to total assets | 47.1035% | 5,438 |
| Net loans and leases to deposits | 55.2807% | 5,436 |
| Net loans and leases to core deposits | 61.5313% | 5,167 |
| Total domestic deposits to total assets | 85.2079% | 3,626 |
| Equity capital to assets | 8.7591% | 5,457 |
| Core capital (leverage) ratio | 8.6922% | 5,547 |
| Tier 1 risk-based capital ratio | 14.2893% | 4,224 |
| Total risk-based capital ratio | 15.0734% | 4,510 |
| Memoranda: | ||
| Average total assets | $273,119,000 | 2,329 |
| Average earning assets | $256,873,500 | 2,275 |
| Average equity | $24,641,750 | 2,692 |
| Average total loans | $119,292,000 | 3,075 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4293% | 5,841 |
| Cost of funding earning assets | 0.3776% | 5,166 |
| Net interest margin | 3.0517% | 5,425 |
| Noninterest income to average assets | 0.9491% | 1,661 |
| Noninterest expense to average assets | 3.3536% | 1,923 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4404% | 5,061 |
| Return on assets (ROA) | 0.5391% | 4,782 |
| Pretax return on assets | 0.5719% | 5,125 |
| Return on Equity (ROE) | 5.9186% | 4,223 |
| Retained earnings to average equity (ytd only) | 5.0216% | 3,044 |
| Net charge-offs to loans | 0.5437% | 1,215 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.0253% | 3,843 |
| Efficiency ratio | 87.7793% | 1,242 |
| Assets per employee ($millions) | 3.0093% | 5,839 |
| Cash dividends to net income (ytd only)* | 15.1556% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 5,565 |
| Loan loss allowance to noncurrent loans | 6,631.5789% | 109 |
| Noncurrent assets plus other real estate owned to assets | 1.5248% | 2,818 |
| Noncurrent loans to loans | 0.0161% | 6,380 |
| Net loans and leases to total assets | 44.1871% | 5,723 |
| Net loans and leases to deposits | 51.8323% | 5,699 |
| Net loans and leases to core deposits | 56.6651% | 5,547 |
| Total domestic deposits to total assets | 85.2501% | 3,767 |
| Equity capital to assets | 8.9799% | 5,236 |
| Core capital (leverage) ratio | 8.6370% | 5,510 |
| Tier 1 risk-based capital ratio | 14.7905% | 3,914 |
| Total risk-based capital ratio | 15.5970% | 4,150 |
| Memoranda: | ||
| Average total assets | $274,153,330 | 2,329 |
| Average earning assets | $257,954,330 | 2,281 |
| Average equity | $24,972,000 | 2,666 |
| Average total loans | $116,232,670 | 3,141 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3331% | 6,087 |
| Cost of funding earning assets | 0.3873% | 5,222 |
| Net interest margin | 2.9458% | 5,718 |
| Noninterest income to average assets | 0.9511% | 1,610 |
| Noninterest expense to average assets | 3.2049% | 2,338 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4364% | 4,973 |
| Return on assets (ROA) | 0.4304% | 5,162 |
| Pretax return on assets | 0.5107% | 5,218 |
| Return on Equity (ROE) | 4.6934% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.6934% | 3,423 |
| Net charge-offs to loans | -0.0139% | 5,564 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0886% | 1,509 |
| Assets per employee ($millions) | 2.9074% | 6,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 4,258 |
| Loan loss allowance to noncurrent loans | 97.9541% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 1.6865% | 2,761 |
| Noncurrent loans to loans | 1.4246% | 3,434 |
| Net loans and leases to total assets | 41.2889% | 5,891 |
| Net loans and leases to deposits | 48.4084% | 5,896 |
| Net loans and leases to core deposits | 55.6230% | 5,550 |
| Total domestic deposits to total assets | 85.2927% | 3,905 |
| Equity capital to assets | 9.4571% | 4,910 |
| Core capital (leverage) ratio | 8.2900% | 5,839 |
| Tier 1 risk-based capital ratio | 15.0926% | 3,774 |
| Total risk-based capital ratio | 16.1392% | 3,878 |
| Memoranda: | ||
| Average total assets | $278,822,500 | 2,321 |
| Average earning assets | $262,335,500 | 2,272 |
| Average equity | $25,568,000 | 2,654 |
| Average total loans | $115,212,000 | 3,177 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7249% | 6,006 |
| Cost of funding earning assets | 0.4671% | 5,438 |
| Net interest margin | 3.2578% | 5,404 |
| Noninterest income to average assets | 0.4644% | 4,140 |
| Noninterest expense to average assets | 3.3555% | 2,172 |
| Loan and lease loss provision to assets | -0.1141% | 6,932 |
| Net operating income to assets | 0.2596% | 5,601 |
| Return on assets (ROA) | 0.4317% | 5,207 |
| Pretax return on assets | 0.4526% | 5,419 |
| Return on Equity (ROE) | 4.6219% | 4,872 |
| Retained earnings to average equity (ytd only) | 0.3585% | 5,675 |
| Net charge-offs to loans | 0.0948% | 4,720 |
| Credit loss provision to net charge-offs | -283.0357% | 6,444 |
| Earnings coverage of net charge-offs (x) | 3.9018% | 3,551 |
| Efficiency ratio | 95.5212% | 729 |
| Assets per employee ($millions) | 3.1566% | 5,722 |
| Cash dividends to net income (ytd only)* | 92.2435% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 4,431 |
| Loan loss allowance to noncurrent loans | 97.8882% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 1.8374% | 2,664 |
| Noncurrent loans to loans | 1.3737% | 3,538 |
| Net loans and leases to total assets | 40.2524% | 6,148 |
| Net loans and leases to deposits | 46.9424% | 6,179 |
| Net loans and leases to core deposits | 53.6926% | 5,899 |
| Total domestic deposits to total assets | 85.7486% | 3,487 |
| Equity capital to assets | 8.8998% | 5,633 |
| Core capital (leverage) ratio | 8.3590% | 5,811 |
| Tier 1 risk-based capital ratio | 14.6556% | 3,929 |
| Total risk-based capital ratio | 15.6829% | 4,026 |
| Memoranda: | ||
| Average total assets | $277,752,200 | 2,289 |
| Average earning assets | $259,900,000 | 2,245 |
| Average equity | $25,941,600 | 2,574 |
| Average total loans | $118,117,600 | 3,124 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8238% | 5,961 |
| Cost of funding earning assets | 0.4863% | 5,532 |
| Net interest margin | 3.3374% | 5,256 |
| Noninterest income to average assets | 0.4106% | 4,548 |
| Noninterest expense to average assets | 3.2033% | 2,554 |
| Loan and lease loss provision to assets | -0.1612% | 7,076 |
| Net operating income to assets | 0.4653% | 4,972 |
| Return on assets (ROA) | 0.4658% | 5,227 |
| Pretax return on assets | 0.4924% | 5,489 |
| Return on Equity (ROE) | 4.9264% | 4,854 |
| Retained earnings to average equity (ytd only) | 3.9637% | 4,093 |
| Net charge-offs to loans | 0.0958% | 4,424 |
| Credit loss provision to net charge-offs | -391.7647% | 6,410 |
| Earnings coverage of net charge-offs (x) | 8.0353% | 2,513 |
| Efficiency ratio | 90.6426% | 991 |
| Assets per employee ($millions) | 2.9887% | 6,072 |
| Cash dividends to net income (ytd only)* | 19.5427% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 4,457 |
| Loan loss allowance to noncurrent loans | 1,023.8710% | 424 |
| Noncurrent assets plus other real estate owned to assets | 1.4762% | 3,388 |
| Noncurrent loans to loans | 0.1349% | 6,261 |
| Net loans and leases to total assets | 41.2152% | 6,185 |
| Net loans and leases to deposits | 52.2332% | 5,961 |
| Net loans and leases to core deposits | 60.6306% | 5,494 |
| Total domestic deposits to total assets | 78.9062% | 5,893 |
| Equity capital to assets | 9.7521% | 4,847 |
| Core capital (leverage) ratio | 8.5052% | 5,743 |
| Tier 1 risk-based capital ratio | 15.7090% | 3,421 |
| Total risk-based capital ratio | 16.7852% | 3,476 |
| Memoranda: | ||
| Average total assets | $275,376,500 | 2,328 |
| Average earning assets | $257,715,750 | 2,277 |
| Average equity | $26,035,750 | 2,587 |
| Average total loans | $118,346,250 | 3,158 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8603% | 6,011 |
| Cost of funding earning assets | 0.5009% | 5,611 |
| Net interest margin | 3.3594% | 5,235 |
| Noninterest income to average assets | 0.4225% | 4,479 |
| Noninterest expense to average assets | 3.2942% | 2,326 |
| Loan and lease loss provision to assets | -0.2410% | 7,169 |
| Net operating income to assets | 0.4697% | 4,955 |
| Return on assets (ROA) | 0.4704% | 5,197 |
| Pretax return on assets | 0.5103% | 5,411 |
| Return on Equity (ROE) | 5.0279% | 4,800 |
| Retained earnings to average equity (ytd only) | 3.5692% | 4,218 |
| Net charge-offs to loans | 0.0753% | 4,390 |
| Credit loss provision to net charge-offs | -737.7778% | 6,356 |
| Earnings coverage of net charge-offs (x) | 8.2222% | 2,336 |
| Efficiency ratio | 92.4613% | 897 |
| Assets per employee ($millions) | 3.0279% | 6,013 |
| Cash dividends to net income (ytd only)* | 29.0123% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 4,466 |
| Loan loss allowance to noncurrent loans | 633.4630% | 603 |
| Noncurrent assets plus other real estate owned to assets | 1.8349% | 2,989 |
| Noncurrent loans to loans | 0.2210% | 6,140 |
| Net loans and leases to total assets | 41.6115% | 6,215 |
| Net loans and leases to deposits | 53.4888% | 5,913 |
| Net loans and leases to core deposits | 62.8679% | 5,314 |
| Total domestic deposits to total assets | 77.7948% | 6,196 |
| Equity capital to assets | 9.5489% | 4,991 |
| Core capital (leverage) ratio | 8.4032% | 5,782 |
| Tier 1 risk-based capital ratio | 15.7067% | 3,325 |
| Total risk-based capital ratio | 16.8258% | 3,356 |
| Memoranda: | ||
| Average total assets | $275,516,330 | 2,332 |
| Average earning assets | $257,543,330 | 2,283 |
| Average equity | $25,776,330 | 2,599 |
| Average total loans | $119,491,330 | 3,144 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9277% | 5,953 |
| Cost of funding earning assets | 0.5073% | 5,768 |
| Net interest margin | 3.4204% | 5,027 |
| Noninterest income to average assets | 0.5227% | 3,763 |
| Noninterest expense to average assets | 3.0925% | 2,937 |
| Loan and lease loss provision to assets | 0.0726% | 4,490 |
| Net operating income to assets | 0.4922% | 4,861 |
| Return on assets (ROA) | 0.4922% | 5,062 |
| Pretax return on assets | 0.5488% | 5,291 |
| Return on Equity (ROE) | 5.3158% | 4,639 |
| Retained earnings to average equity (ytd only) | 5.3158% | 3,373 |
| Net charge-offs to loans | 0.1718% | 3,057 |
| Credit loss provision to net charge-offs | 96.1538% | 2,435 |
| Earnings coverage of net charge-offs (x) | 8.2308% | 1,985 |
| Efficiency ratio | 83.2682% | 1,763 |
| Assets per employee ($millions) | 3.0464% | 6,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6827% | 3,420 |
| Loan loss allowance to noncurrent loans | 115.4467% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 2.4339% | 2,426 |
| Noncurrent loans to loans | 1.4576% | 3,929 |
| Net loans and leases to total assets | 42.6847% | 6,128 |
| Net loans and leases to deposits | 54.0170% | 5,807 |
| Net loans and leases to core deposits | 63.7026% | 5,147 |
| Total domestic deposits to total assets | 79.0209% | 6,065 |
| Equity capital to assets | 9.3529% | 5,024 |
| Core capital (leverage) ratio | 8.4666% | 5,649 |
| Tier 1 risk-based capital ratio | 15.2034% | 3,620 |
| Total risk-based capital ratio | 16.4543% | 3,582 |
| Memoranda: | ||
| Average total assets | $275,505,000 | 2,345 |
| Average earning assets | $257,046,500 | 2,308 |
| Average equity | $25,509,000 | 2,622 |
| Average total loans | $121,095,000 | 3,130 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4239% | 5,330 |
| Cost of funding earning assets | 0.6440% | 5,857 |
| Net interest margin | 3.7798% | 3,926 |
| Noninterest income to average assets | 0.9394% | 1,542 |
| Noninterest expense to average assets | 3.9756% | 1,071 |
| Loan and lease loss provision to assets | 0.0841% | 5,558 |
| Net operating income to assets | 0.3641% | 5,013 |
| Return on assets (ROA) | 0.6003% | 4,190 |
| Pretax return on assets | 0.6179% | 4,635 |
| Return on Equity (ROE) | 6.2066% | 3,771 |
| Retained earnings to average equity (ytd only) | 4.0453% | 3,310 |
| Net charge-offs to loans | 0.2503% | 4,214 |
| Credit loss provision to net charge-offs | 72.6644% | 4,750 |
| Earnings coverage of net charge-offs (x) | 3.9619% | 3,322 |
| Efficiency ratio | 89.6595% | 1,218 |
| Assets per employee ($millions) | 3.0422% | 6,002 |
| Cash dividends to net income (ytd only)* | 34.8232% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6280% | 3,472 |
| Loan loss allowance to noncurrent loans | 111.7614% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 2.6192% | 2,321 |
| Noncurrent loans to loans | 1.4567% | 3,980 |
| Net loans and leases to total assets | 43.7629% | 6,230 |
| Net loans and leases to deposits | 58.8125% | 5,618 |
| Net loans and leases to core deposits | 68.4200% | 4,981 |
| Total domestic deposits to total assets | 74.4109% | 6,675 |
| Equity capital to assets | 9.1660% | 5,334 |
| Core capital (leverage) ratio | 8.7447% | 5,184 |
| Tier 1 risk-based capital ratio | 14.5595% | 3,929 |
| Total risk-based capital ratio | 15.8099% | 3,903 |
| Memoranda: | ||
| Average total assets | $249,726,400 | 2,528 |
| Average earning assets | $230,884,800 | 2,500 |
| Average equity | $24,151,600 | 2,651 |
| Average total loans | $115,461,800 | 3,266 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5521% | 5,079 |
| Cost of funding earning assets | 0.6792% | 5,886 |
| Net interest margin | 3.8729% | 3,509 |
| Noninterest income to average assets | 1.0449% | 1,234 |
| Noninterest expense to average assets | 3.9799% | 1,029 |
| Loan and lease loss provision to assets | 0.0686% | 5,597 |
| Net operating income to assets | 0.5533% | 4,310 |
| Return on assets (ROA) | 0.8764% | 2,981 |
| Pretax return on assets | 0.9066% | 3,734 |
| Return on Equity (ROE) | 8.9294% | 2,629 |
| Retained earnings to average equity (ytd only) | 7.1122% | 1,912 |
| Net charge-offs to loans | 0.3488% | 3,351 |
| Credit loss provision to net charge-offs | 42.0875% | 5,195 |
| Earnings coverage of net charge-offs (x) | 3.9394% | 3,238 |
| Efficiency ratio | 86.1078% | 1,518 |
| Assets per employee ($millions) | 2.6765% | 6,681 |
| Cash dividends to net income (ytd only)* | 20.3505% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7163% | 3,214 |
| Loan loss allowance to noncurrent loans | 110.7764% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 3.0204% | 2,126 |
| Noncurrent loans to loans | 1.5494% | 3,959 |
| Net loans and leases to total assets | 43.5179% | 6,381 |
| Net loans and leases to deposits | 54.4898% | 6,168 |
| Net loans and leases to core deposits | 60.7197% | 5,928 |
| Total domestic deposits to total assets | 79.8643% | 5,771 |
| Equity capital to assets | 10.2229% | 4,055 |
| Core capital (leverage) ratio | 9.1294% | 4,745 |
| Tier 1 risk-based capital ratio | 16.3492% | 2,942 |
| Total risk-based capital ratio | 17.6011% | 2,907 |
| Memoranda: | ||
| Average total assets | $242,948,750 | 2,607 |
| Average earning assets | $224,389,250 | 2,572 |
| Average equity | $23,845,750 | 2,690 |
| Average total loans | $113,538,000 | 3,333 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6192% | 4,887 |
| Cost of funding earning assets | 0.7051% | 5,929 |
| Net interest margin | 3.9141% | 3,242 |
| Noninterest income to average assets | 1.1172% | 1,036 |
| Noninterest expense to average assets | 4.1530% | 870 |
| Loan and lease loss provision to assets | 0.0417% | 5,786 |
| Net operating income to assets | 0.5009% | 4,497 |
| Return on assets (ROA) | 0.8681% | 2,872 |
| Pretax return on assets | 0.9164% | 3,560 |
| Return on Equity (ROE) | 8.9746% | 2,527 |
| Retained earnings to average equity (ytd only) | 8.9746% | 1,115 |
| Net charge-offs to loans | 0.2416% | 3,668 |
| Credit loss provision to net charge-offs | 36.2319% | 4,883 |
| Earnings coverage of net charge-offs (x) | 4.9710% | 2,726 |
| Efficiency ratio | 87.9034% | 1,425 |
| Assets per employee ($millions) | 2.6549% | 6,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7799% | 3,059 |
| Loan loss allowance to noncurrent loans | 102.3065% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 3.2571% | 2,055 |
| Noncurrent loans to loans | 1.7398% | 3,829 |
| Net loans and leases to total assets | 44.6087% | 6,383 |
| Net loans and leases to deposits | 56.9376% | 6,058 |
| Net loans and leases to core deposits | 63.0141% | 5,810 |
| Total domestic deposits to total assets | 78.3467% | 6,224 |
| Equity capital to assets | 9.9992% | 4,155 |
| Core capital (leverage) ratio | 9.3256% | 4,214 |
| Tier 1 risk-based capital ratio | 15.8220% | 3,067 |
| Total risk-based capital ratio | 17.0740% | 3,044 |
| Memoranda: | ||
| Average total assets | $240,067,330 | 2,657 |
| Average earning assets | $221,252,000 | 2,635 |
| Average equity | $23,221,000 | 2,742 |
| Average total loans | $114,250,670 | 3,354 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6320% | 4,813 |
| Cost of funding earning assets | 0.7279% | 5,987 |
| Net interest margin | 3.9041% | 3,118 |
| Noninterest income to average assets | 1.2170% | 862 |
| Noninterest expense to average assets | 4.5739% | 553 |
| Loan and lease loss provision to assets | 0.0423% | 5,461 |
| Net operating income to assets | 0.1846% | 5,837 |
| Return on assets (ROA) | 0.2502% | 5,682 |
| Pretax return on assets | 0.2586% | 5,783 |
| Return on Equity (ROE) | 2.6326% | 5,551 |
| Retained earnings to average equity (ytd only) | 2.6326% | 4,590 |
| Net charge-offs to loans | -0.0208% | 6,580 |
| Credit loss provision to net charge-offs | -416.6667% | 5,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1477% | 975 |
| Assets per employee ($millions) | 2.5942% | 6,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8651% | 2,809 |
| Loan loss allowance to noncurrent loans | 98.0529% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 3.6222% | 1,875 |
| Noncurrent loans to loans | 1.9021% | 3,698 |
| Net loans and leases to total assets | 48.1997% | 6,057 |
| Net loans and leases to deposits | 60.2991% | 5,694 |
| Net loans and leases to core deposits | 67.5585% | 5,347 |
| Total domestic deposits to total assets | 79.9344% | 5,963 |
| Equity capital to assets | 9.9600% | 3,825 |
| Core capital (leverage) ratio | 9.2444% | 4,219 |
| Tier 1 risk-based capital ratio | 15.2345% | 3,298 |
| Total risk-based capital ratio | 16.4873% | 3,255 |
| Memoranda: | ||
| Average total assets | $236,646,500 | 2,714 |
| Average earning assets | $217,615,000 | 2,694 |
| Average equity | $22,487,000 | 2,802 |
| Average total loans | $115,306,500 | 3,362 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8787% | 5,121 |
| Cost of funding earning assets | 0.8691% | 6,300 |
| Net interest margin | 4.0096% | 2,983 |
| Noninterest income to average assets | 1.2736% | 906 |
| Noninterest expense to average assets | 4.1713% | 930 |
| Loan and lease loss provision to assets | 0.1738% | 5,483 |
| Net operating income to assets | 0.5716% | 3,796 |
| Return on assets (ROA) | 0.5669% | 3,976 |
| Pretax return on assets | 0.5729% | 4,411 |
| Return on Equity (ROE) | 5.7163% | 3,728 |
| Retained earnings to average equity (ytd only) | 2.9699% | 3,778 |
| Net charge-offs to loans | 0.3694% | 4,186 |
| Credit loss provision to net charge-offs | 95.2381% | 4,879 |
| Earnings coverage of net charge-offs (x) | 4.1190% | 3,055 |
| Efficiency ratio | 84.7348% | 1,832 |
| Assets per employee ($millions) | 2.6934% | 6,698 |
| Cash dividends to net income (ytd only)* | 48.0460% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7780% | 2,934 |
| Loan loss allowance to noncurrent loans | 88.3800% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 4.0704% | 1,665 |
| Noncurrent loans to loans | 2.0117% | 3,545 |
| Net loans and leases to total assets | 47.4935% | 6,440 |
| Net loans and leases to deposits | 65.0457% | 5,511 |
| Net loans and leases to core deposits | 71.5856% | 5,255 |
| Total domestic deposits to total assets | 73.0156% | 6,993 |
| Equity capital to assets | 9.0665% | 5,049 |
| Core capital (leverage) ratio | 9.2044% | 4,161 |
| Tier 1 risk-based capital ratio | 14.4758% | 3,563 |
| Total risk-based capital ratio | 15.7278% | 3,516 |
| Memoranda: | ||
| Average total assets | $230,214,600 | 2,756 |
| Average earning assets | $209,522,400 | 2,762 |
| Average equity | $22,829,400 | 2,789 |
| Average total loans | $113,705,200 | 3,457 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9364% | 5,094 |
| Cost of funding earning assets | 0.8995% | 6,393 |
| Net interest margin | 4.0368% | 2,924 |
| Noninterest income to average assets | 1.3288% | 769 |
| Noninterest expense to average assets | 4.0492% | 988 |
| Loan and lease loss provision to assets | 0.2348% | 4,727 |
| Net operating income to assets | 0.6961% | 3,432 |
| Return on assets (ROA) | 0.7806% | 3,246 |
| Pretax return on assets | 0.7976% | 3,915 |
| Return on Equity (ROE) | 7.6958% | 3,024 |
| Retained earnings to average equity (ytd only) | 5.9599% | 2,379 |
| Net charge-offs to loans | 0.4148% | 3,633 |
| Credit loss provision to net charge-offs | 113.9601% | 3,672 |
| Earnings coverage of net charge-offs (x) | 4.5926% | 2,984 |
| Efficiency ratio | 81.0598% | 2,195 |
| Assets per employee ($millions) | 2.5178% | 7,066 |
| Cash dividends to net income (ytd only)* | 22.5564% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9591% | 2,329 |
| Loan loss allowance to noncurrent loans | 89.2990% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 4.4863% | 1,512 |
| Noncurrent loans to loans | 2.1939% | 3,455 |
| Net loans and leases to total assets | 47.0245% | 6,606 |
| Net loans and leases to deposits | 58.5347% | 6,424 |
| Net loans and leases to core deposits | 64.8984% | 6,219 |
| Total domestic deposits to total assets | 80.3362% | 5,599 |
| Equity capital to assets | 10.5913% | 3,416 |
| Core capital (leverage) ratio | 9.5579% | 3,819 |
| Tier 1 risk-based capital ratio | 15.5629% | 2,963 |
| Total risk-based capital ratio | 16.8165% | 2,924 |
| Memoranda: | ||
| Average total assets | $227,165,750 | 2,826 |
| Average earning assets | $206,327,500 | 2,829 |
| Average equity | $23,042,250 | 2,798 |
| Average total loans | $112,828,250 | 3,534 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9357% | 5,246 |
| Cost of funding earning assets | 0.9177% | 6,508 |
| Net interest margin | 4.0180% | 2,931 |
| Noninterest income to average assets | 1.3253% | 725 |
| Noninterest expense to average assets | 4.0095% | 1,033 |
| Loan and lease loss provision to assets | 0.3532% | 3,604 |
| Net operating income to assets | 0.6428% | 3,657 |
| Return on assets (ROA) | 0.7514% | 3,346 |
| Pretax return on assets | 0.7205% | 4,162 |
| Return on Equity (ROE) | 7.5197% | 3,104 |
| Retained earnings to average equity (ytd only) | 6.6360% | 1,997 |
| Net charge-offs to loans | 0.5711% | 2,827 |
| Credit loss provision to net charge-offs | 123.0769% | 3,283 |
| Earnings coverage of net charge-offs (x) | 3.3631% | 3,357 |
| Efficiency ratio | 80.5999% | 2,357 |
| Assets per employee ($millions) | 2.3673% | 7,272 |
| Cash dividends to net income (ytd only)* | 11.7509% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9491% | 2,307 |
| Loan loss allowance to noncurrent loans | 85.6189% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 4.6583% | 1,402 |
| Noncurrent loans to loans | 2.2765% | 3,397 |
| Net loans and leases to total assets | 49.2603% | 6,519 |
| Net loans and leases to deposits | 61.8830% | 6,244 |
| Net loans and leases to core deposits | 67.3501% | 6,114 |
| Total domestic deposits to total assets | 79.6024% | 5,860 |
| Equity capital to assets | 10.3826% | 3,543 |
| Core capital (leverage) ratio | 9.5567% | 3,734 |
| Tier 1 risk-based capital ratio | 15.3148% | 2,999 |
| Total risk-based capital ratio | 16.5687% | 2,958 |
| Memoranda: | ||
| Average total assets | $226,514,000 | 2,854 |
| Average earning assets | $205,726,000 | 2,863 |
| Average equity | $22,634,000 | 2,842 |
| Average total loans | $113,805,670 | 3,542 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9509% | 5,234 |
| Cost of funding earning assets | 0.9416% | 6,613 |
| Net interest margin | 4.0093% | 2,838 |
| Noninterest income to average assets | 1.4249% | 595 |
| Noninterest expense to average assets | 4.1469% | 860 |
| Loan and lease loss provision to assets | 0.4376% | 2,774 |
| Net operating income to assets | 0.6354% | 3,727 |
| Return on assets (ROA) | 0.5952% | 4,058 |
| Pretax return on assets | 0.4376% | 5,169 |
| Return on Equity (ROE) | 6.0717% | 3,844 |
| Retained earnings to average equity (ytd only) | 6.0717% | 2,590 |
| Net charge-offs to loans | 0.7212% | 2,060 |
| Credit loss provision to net charge-offs | 120.7729% | 2,890 |
| Earnings coverage of net charge-offs (x) | 2.5266% | 3,281 |
| Efficiency ratio | 81.9156% | 2,279 |
| Assets per employee ($millions) | 2.3397% | 7,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9448% | 2,328 |
| Loan loss allowance to noncurrent loans | 83.8344% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 5.0187% | 1,278 |
| Noncurrent loans to loans | 2.3199% | 3,364 |
| Net loans and leases to total assets | 48.7011% | 6,605 |
| Net loans and leases to deposits | 61.3567% | 6,336 |
| Net loans and leases to core deposits | 66.2850% | 6,263 |
| Total domestic deposits to total assets | 79.3737% | 5,994 |
| Equity capital to assets | 10.2551% | 3,529 |
| Core capital (leverage) ratio | 9.3531% | 3,968 |
| Tier 1 risk-based capital ratio | 14.9556% | 3,129 |
| Total risk-based capital ratio | 16.2088% | 3,090 |
| Memoranda: | ||
| Average total assets | $228,508,000 | 2,890 |
| Average earning assets | $207,316,000 | 2,910 |
| Average equity | $22,399,000 | 2,891 |
| Average total loans | $114,810,500 | 3,579 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2475% | 5,429 |
| Cost of funding earning assets | 1.3376% | 6,182 |
| Net interest margin | 3.9099% | 3,230 |
| Noninterest income to average assets | 1.4923% | 644 |
| Noninterest expense to average assets | 4.3171% | 968 |
| Loan and lease loss provision to assets | 0.8053% | 2,725 |
| Net operating income to assets | 0.0013% | 5,478 |
| Return on assets (ROA) | 0.2438% | 4,826 |
| Pretax return on assets | 0.2361% | 4,923 |
| Return on Equity (ROE) | 2.6740% | 4,637 |
| Retained earnings to average equity (ytd only) | 2.6740% | 3,280 |
| Net charge-offs to loans | 1.5617% | 1,613 |
| Credit loss provision to net charge-offs | 93.3892% | 5,879 |
| Earnings coverage of net charge-offs (x) | 0.9265% | 5,188 |
| Efficiency ratio | 84.3838% | 2,303 |
| Assets per employee ($millions) | 2.4710% | 7,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7647% | 2,657 |
| Loan loss allowance to noncurrent loans | 109.0721% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 3.9157% | 1,693 |
| Noncurrent loans to loans | 1.6179% | 4,223 |
| Net loans and leases to total assets | 49.8931% | 6,655 |
| Net loans and leases to deposits | 66.2890% | 6,014 |
| Net loans and leases to core deposits | 86.1046% | 5,511 |
| Total domestic deposits to total assets | 75.2660% | 6,818 |
| Equity capital to assets | 9.3735% | 4,600 |
| Core capital (leverage) ratio | 8.6266% | 5,056 |
| Tier 1 risk-based capital ratio | 13.8316% | 3,611 |
| Total risk-based capital ratio | 15.0837% | 3,549 |
| Memoranda: | ||
| Average total assets | $235,067,000 | 2,764 |
| Average earning assets | $217,855,400 | 2,733 |
| Average equity | $21,428,800 | 3,019 |
| Average total loans | $129,791,400 | 3,274 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2679% | 5,582 |
| Cost of funding earning assets | 1.4104% | 6,186 |
| Net interest margin | 3.8576% | 3,398 |
| Noninterest income to average assets | 1.5689% | 599 |
| Noninterest expense to average assets | 4.2514% | 973 |
| Loan and lease loss provision to assets | 0.8528% | 2,248 |
| Net operating income to assets | 0.0590% | 5,582 |
| Return on assets (ROA) | 0.3096% | 4,865 |
| Pretax return on assets | 0.3153% | 5,018 |
| Return on Equity (ROE) | 3.4202% | 4,610 |
| Retained earnings to average equity (ytd only) | 3.4202% | 3,382 |
| Net charge-offs to loans | 1.4820% | 1,387 |
| Credit loss provision to net charge-offs | 102.1739% | 4,983 |
| Earnings coverage of net charge-offs (x) | 1.0931% | 4,968 |
| Efficiency ratio | 82.3323% | 2,534 |
| Assets per employee ($millions) | 2.6191% | 7,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8742% | 2,092 |
| Loan loss allowance to noncurrent loans | 37.8333% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 4.0679% | 1,560 |
| Noncurrent loans to loans | 4.9538% | 1,347 |
| Net loans and leases to total assets | 48.2733% | 6,928 |
| Net loans and leases to deposits | 58.6918% | 6,921 |
| Net loans and leases to core deposits | 87.0420% | 5,752 |
| Total domestic deposits to total assets | 82.2488% | 4,571 |
| Equity capital to assets | 9.0366% | 5,434 |
| Core capital (leverage) ratio | 8.6491% | 5,225 |
| Tier 1 risk-based capital ratio | 13.7379% | 3,688 |
| Total risk-based capital ratio | 14.9911% | 3,640 |
| Memoranda: | ||
| Average total assets | $235,147,250 | 2,781 |
| Average earning assets | $219,131,750 | 2,734 |
| Average equity | $21,285,000 | 3,060 |
| Average total loans | $132,432,750 | 3,254 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4014% | 5,145 |
| Cost of funding earning assets | 1.5240% | 6,045 |
| Net interest margin | 3.8774% | 3,220 |
| Noninterest income to average assets | 1.6573% | 538 |
| Noninterest expense to average assets | 4.4318% | 833 |
| Loan and lease loss provision to assets | 0.9012% | 1,875 |
| Net operating income to assets | -0.0553% | 5,930 |
| Return on assets (ROA) | 0.0890% | 5,695 |
| Pretax return on assets | 0.0760% | 5,728 |
| Return on Equity (ROE) | 0.9826% | 5,639 |
| Retained earnings to average equity (ytd only) | 0.9826% | 4,787 |
| Net charge-offs to loans | 1.6417% | 1,153 |
| Credit loss provision to net charge-offs | 93.2916% | 4,822 |
| Earnings coverage of net charge-offs (x) | 0.8623% | 4,888 |
| Efficiency ratio | 84.1786% | 2,459 |
| Assets per employee ($millions) | 2.3889% | 7,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7184% | 2,276 |
| Loan loss allowance to noncurrent loans | 31.9734% | 6,334 |
| Noncurrent assets plus other real estate owned to assets | 5.0403% | 1,047 |
| Noncurrent loans to loans | 5.3744% | 1,095 |
| Net loans and leases to total assets | 54.5107% | 6,383 |
| Net loans and leases to deposits | 68.2451% | 6,161 |
| Net loans and leases to core deposits | 99.8620% | 4,522 |
| Total domestic deposits to total assets | 79.8749% | 5,519 |
| Equity capital to assets | 9.2452% | 4,943 |
| Core capital (leverage) ratio | 8.8506% | 4,860 |
| Tier 1 risk-based capital ratio | 13.4318% | 3,854 |
| Total risk-based capital ratio | 14.6839% | 3,794 |
| Memoranda: | ||
| Average total assets | $231,463,670 | 2,843 |
| Average earning assets | $215,350,670 | 2,808 |
| Average equity | $20,964,000 | 3,105 |
| Average total loans | $136,204,330 | 3,226 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4971% | 4,927 |
| Cost of funding earning assets | 1.6223% | 5,936 |
| Net interest margin | 3.8748% | 3,165 |
| Noninterest income to average assets | 1.3144% | 825 |
| Noninterest expense to average assets | 3.8576% | 1,373 |
| Loan and lease loss provision to assets | 1.1775% | 1,101 |
| Net operating income to assets | -0.0823% | 6,385 |
| Return on assets (ROA) | -0.0034% | 6,408 |
| Pretax return on assets | 0.0120% | 6,354 |
| Return on Equity (ROE) | -0.0382% | 6,413 |
| Retained earnings to average equity (ytd only) | -0.0382% | 5,654 |
| Net charge-offs to loans | 1.6637% | 867 |
| Credit loss provision to net charge-offs | 117.0068% | 3,336 |
| Earnings coverage of net charge-offs (x) | 1.0595% | 4,233 |
| Efficiency ratio | 78.3455% | 3,109 |
| Assets per employee ($millions) | 2.2390% | 7,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7002% | 2,152 |
| Loan loss allowance to noncurrent loans | 24.4689% | 6,944 |
| Noncurrent assets plus other real estate owned to assets | 5.3114% | 819 |
| Noncurrent loans to loans | 6.9483% | 581 |
| Net loans and leases to total assets | 59.1900% | 5,784 |
| Net loans and leases to deposits | 73.7363% | 5,515 |
| Net loans and leases to core deposits | 103.9647% | 4,143 |
| Total domestic deposits to total assets | 80.2726% | 5,250 |
| Equity capital to assets | 9.2325% | 5,039 |
| Core capital (leverage) ratio | 8.6701% | 5,210 |
| Tier 1 risk-based capital ratio | 12.8661% | 4,278 |
| Total risk-based capital ratio | 14.1189% | 4,194 |
| Memoranda: | ||
| Average total assets | $233,720,500 | 2,834 |
| Average earning assets | $217,716,500 | 2,788 |
| Average equity | $20,955,000 | 3,124 |
| Average total loans | $141,369,000 | 3,148 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3096% | 3,912 |
| Cost of funding earning assets | 2.5114% | 4,145 |
| Net interest margin | 3.7983% | 4,026 |
| Noninterest income to average assets | 1.4126% | 726 |
| Noninterest expense to average assets | 3.9717% | 1,459 |
| Loan and lease loss provision to assets | 0.5299% | 2,696 |
| Net operating income to assets | 0.3807% | 5,223 |
| Return on assets (ROA) | 0.3553% | 5,131 |
| Pretax return on assets | 0.4067% | 5,245 |
| Return on Equity (ROE) | 4.3629% | 4,654 |
| Retained earnings to average equity (ytd only) | -1.6566% | 5,780 |
| Net charge-offs to loans | 0.9556% | 1,293 |
| Credit loss provision to net charge-offs | 86.9681% | 5,742 |
| Earnings coverage of net charge-offs (x) | 1.5851% | 5,299 |
| Efficiency ratio | 80.0788% | 2,590 |
| Assets per employee ($millions) | 2.4902% | 7,217 |
| Cash dividends to net income (ytd only)* | 137.9704% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5411% | 2,494 |
| Loan loss allowance to noncurrent loans | 53.5920% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 2.4324% | 1,993 |
| Noncurrent loans to loans | 2.8756% | 1,875 |
| Net loans and leases to total assets | 59.8106% | 5,938 |
| Net loans and leases to deposits | 79.4745% | 5,136 |
| Net loans and leases to core deposits | 107.4776% | 4,025 |
| Total domestic deposits to total assets | 75.2576% | 6,390 |
| Equity capital to assets | 8.7111% | 5,794 |
| Core capital (leverage) ratio | 8.8119% | 5,021 |
| Tier 1 risk-based capital ratio | 11.8061% | 4,979 |
| Total risk-based capital ratio | 13.0569% | 4,889 |
| Memoranda: | ||
| Average total assets | $246,844,800 | 2,587 |
| Average earning assets | $229,078,600 | 2,563 |
| Average equity | $20,101,200 | 3,216 |
| Average total loans | $157,391,600 | 2,814 |