Home > Cornerstone Bank, Inc. > Performance and Condition Ratios
Cornerstone Bank, Inc., Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9856% | 5,057 |
| Cost of funding earning assets | 0.2339% | 4,892 |
| Net interest margin | 2.7517% | 4,791 |
| Noninterest income to average assets | 0.5810% | 2,310 |
| Noninterest expense to average assets | 2.8217% | 2,532 |
| Loan and lease loss provision to assets | 0.0166% | 3,689 |
| Net operating income to assets | 0.3544% | 4,669 |
| Return on assets (ROA) | 0.3544% | 4,703 |
| Pretax return on assets | 0.3765% | 4,747 |
| Return on Equity (ROE) | 3.5019% | 4,576 |
| Retained earnings to average equity (ytd only) | 0.7703% | 4,466 |
| Net charge-offs to loans | 0.0720% | 2,069 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 23.7000% | 1,804 |
| Efficiency ratio | 87.7730% | 454 |
| Assets per employee ($millions) | 6.7171% | 1,171 |
| Cash dividends to net income (ytd only)* | 78.0031% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7831% | 4,356 |
| Loan loss allowance to noncurrent loans | 85.0136% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.1884% | 3,709 |
| Noncurrent loans to loans | 0.9211% | 1,667 |
| Net loans and leases to total assets | 20.2929% | 5,071 |
| Net loans and leases to deposits | 22.8689% | 5,086 |
| Net loans and leases to core deposits | 28.0597% | 5,058 |
| Total domestic deposits to total assets | 88.7360% | 777 |
| Equity capital to assets | 9.6074% | 4,266 |
| Core capital (leverage) ratio | 9.4307% | 4,131 |
| Tier 1 risk-based capital ratio | 25.9833% | 681 |
| Total risk-based capital ratio | 26.4267% | 723 |
| Memoranda: | ||
| Average total assets | $180,884,200 | 3,014 |
| Average earning assets | $173,129,200 | 2,950 |
| Average equity | $18,304,600 | 3,308 |
| Average total loans | $41,674,800 | 4,370 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0496% | 5,136 |
| Cost of funding earning assets | 0.2274% | 4,979 |
| Net interest margin | 2.8222% | 4,839 |
| Noninterest income to average assets | 0.2653% | 4,153 |
| Noninterest expense to average assets | 1.7797% | 4,845 |
| Loan and lease loss provision to assets | 0.0225% | 3,460 |
| Net operating income to assets | 0.9282% | 3,239 |
| Return on assets (ROA) | 0.9282% | 3,313 |
| Pretax return on assets | 1.1589% | 3,106 |
| Return on Equity (ROE) | 9.0464% | 2,871 |
| Retained earnings to average equity (ytd only) | 9.0464% | 1,031 |
| Net charge-offs to loans | 0.0886% | 1,580 |
| Credit loss provision to net charge-offs | 107.1429% | 2,130 |
| Earnings coverage of net charge-offs (x) | 56.1465% | 1,107 |
| Efficiency ratio | 60.1015% | 3,630 |
| Assets per employee ($millions) | 6.6173% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7272% | 4,591 |
| Loan loss allowance to noncurrent loans | 128.1633% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 4,086 |
| Noncurrent loans to loans | 0.5674% | 2,597 |
| Net loans and leases to total assets | 22.3360% | 5,142 |
| Net loans and leases to deposits | 25.2391% | 5,155 |
| Net loans and leases to core deposits | 30.8041% | 5,128 |
| Total domestic deposits to total assets | 88.4977% | 828 |
| Equity capital to assets | 10.2464% | 3,781 |
| Core capital (leverage) ratio | 10.7303% | 2,910 |
| Tier 1 risk-based capital ratio | 27.1834% | 625 |
| Total risk-based capital ratio | 27.6211% | 671 |
| Memoranda: | ||
| Average total assets | $177,406,000 | 3,076 |
| Average earning assets | $169,459,500 | 3,022 |
| Average equity | $18,202,000 | 3,339 |
| Average total loans | $42,133,000 | 4,415 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1544% | 5,165 |
| Cost of funding earning assets | 0.2298% | 5,013 |
| Net interest margin | 2.9246% | 4,792 |
| Noninterest income to average assets | 0.2805% | 4,060 |
| Noninterest expense to average assets | 1.7801% | 4,896 |
| Loan and lease loss provision to assets | 0.0348% | 3,130 |
| Net operating income to assets | 1.0094% | 2,886 |
| Return on assets (ROA) | 1.0094% | 2,961 |
| Pretax return on assets | 1.2528% | 2,736 |
| Return on Equity (ROE) | 9.8335% | 2,469 |
| Retained earnings to average equity (ytd only) | 9.8335% | 808 |
| Net charge-offs to loans | 0.1340% | 1,126 |
| Credit loss provision to net charge-offs | 107.1429% | 1,866 |
| Earnings coverage of net charge-offs (x) | 39.6786% | 1,251 |
| Efficiency ratio | 58.0280% | 4,008 |
| Assets per employee ($millions) | 5.8506% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7133% | 4,681 |
| Loan loss allowance to noncurrent loans | 146.0465% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 4,117 |
| Noncurrent loans to loans | 0.4884% | 2,816 |
| Net loans and leases to total assets | 25.7606% | 5,156 |
| Net loans and leases to deposits | 29.4448% | 5,173 |
| Net loans and leases to core deposits | 35.7320% | 5,127 |
| Total domestic deposits to total assets | 87.4878% | 1,346 |
| Equity capital to assets | 11.1997% | 2,858 |
| Core capital (leverage) ratio | 11.0902% | 2,512 |
| Tier 1 risk-based capital ratio | 28.2930% | 553 |
| Total risk-based capital ratio | 28.7573% | 576 |
| Memoranda: | ||
| Average total assets | $172,574,330 | 3,127 |
| Average earning assets | $164,467,000 | 3,087 |
| Average equity | $17,715,000 | 3,392 |
| Average total loans | $41,785,000 | 4,453 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0430% | 5,260 |
| Cost of funding earning assets | 0.2224% | 5,061 |
| Net interest margin | 2.8207% | 4,971 |
| Noninterest income to average assets | 0.2689% | 4,076 |
| Noninterest expense to average assets | 1.7353% | 4,985 |
| Loan and lease loss provision to assets | 0.0345% | 2,938 |
| Net operating income to assets | 0.9769% | 2,937 |
| Return on assets (ROA) | 0.9769% | 2,980 |
| Pretax return on assets | 1.1814% | 2,873 |
| Return on Equity (ROE) | 9.9581% | 2,389 |
| Retained earnings to average equity (ytd only) | 9.9581% | 1,043 |
| Net charge-offs to loans | 0.2066% | 677 |
| Credit loss provision to net charge-offs | 71.4286% | 1,839 |
| Earnings coverage of net charge-offs (x) | 25.1905% | 1,434 |
| Efficiency ratio | 58.8006% | 3,976 |
| Assets per employee ($millions) | 6.4689% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7120% | 4,756 |
| Loan loss allowance to noncurrent loans | 680.0000% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 4,720 |
| Noncurrent loans to loans | 0.1047% | 4,267 |
| Net loans and leases to total assets | 24.4315% | 5,228 |
| Net loans and leases to deposits | 27.5307% | 5,240 |
| Net loans and leases to core deposits | 32.9750% | 5,203 |
| Total domestic deposits to total assets | 88.7427% | 982 |
| Equity capital to assets | 10.1036% | 3,722 |
| Core capital (leverage) ratio | 10.8324% | 2,737 |
| Tier 1 risk-based capital ratio | 27.5075% | 589 |
| Total risk-based capital ratio | 27.9579% | 628 |
| Memoranda: | ||
| Average total assets | $174,028,500 | 3,152 |
| Average earning assets | $165,492,500 | 3,111 |
| Average equity | $17,071,500 | 3,470 |
| Average total loans | $40,667,000 | 4,520 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7915% | 5,297 |
| Cost of funding earning assets | 0.2160% | 4,941 |
| Net interest margin | 2.5756% | 5,170 |
| Noninterest income to average assets | 0.2852% | 4,191 |
| Noninterest expense to average assets | 1.8988% | 4,893 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7360% | 4,019 |
| Return on assets (ROA) | 0.7770% | 3,893 |
| Pretax return on assets | 0.8671% | 3,982 |
| Return on Equity (ROE) | 7.9150% | 3,480 |
| Retained earnings to average equity (ytd only) | 4.8566% | 2,858 |
| Net charge-offs to loans | 0.0080% | 3,403 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 456.0000% | 230 |
| Efficiency ratio | 69.8013% | 2,218 |
| Assets per employee ($millions) | 5.7799% | 1,692 |
| Cash dividends to net income (ytd only)* | 38.6399% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8134% | 4,489 |
| Loan loss allowance to noncurrent loans | 117.7358% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 4,064 |
| Noncurrent loans to loans | 0.6909% | 2,261 |
| Net loans and leases to total assets | 21.9404% | 5,293 |
| Net loans and leases to deposits | 24.6095% | 5,301 |
| Net loans and leases to core deposits | 29.4983% | 5,282 |
| Total domestic deposits to total assets | 89.1544% | 798 |
| Equity capital to assets | 9.5134% | 4,118 |
| Core capital (leverage) ratio | 10.7733% | 2,760 |
| Tier 1 risk-based capital ratio | 28.3264% | 546 |
| Total risk-based capital ratio | 28.8102% | 580 |
| Memoranda: | ||
| Average total assets | $166,528,000 | 3,202 |
| Average earning assets | $157,439,800 | 3,164 |
| Average equity | $16,348,800 | 3,481 |
| Average total loans | $37,705,800 | 4,618 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6844% | 5,383 |
| Cost of funding earning assets | 0.2166% | 4,959 |
| Net interest margin | 2.4679% | 5,294 |
| Noninterest income to average assets | 0.2815% | 4,265 |
| Noninterest expense to average assets | 1.8987% | 4,905 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6545% | 4,355 |
| Return on assets (ROA) | 0.7111% | 4,198 |
| Pretax return on assets | 0.7766% | 4,356 |
| Return on Equity (ROE) | 7.1847% | 3,866 |
| Retained earnings to average equity (ytd only) | 7.1847% | 2,036 |
| Net charge-offs to loans | 0.0107% | 3,041 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 294.6600% | 316 |
| Efficiency ratio | 72.6400% | 1,790 |
| Assets per employee ($millions) | 6.1603% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8256% | 4,538 |
| Loan loss allowance to noncurrent loans | 41.5446% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 0.4354% | 2,946 |
| Noncurrent loans to loans | 1.9874% | 744 |
| Net loans and leases to total assets | 21.7274% | 5,371 |
| Net loans and leases to deposits | 24.1953% | 5,381 |
| Net loans and leases to core deposits | 29.4580% | 5,352 |
| Total domestic deposits to total assets | 89.8004% | 572 |
| Equity capital to assets | 9.1410% | 4,427 |
| Core capital (leverage) ratio | 11.1572% | 2,447 |
| Tier 1 risk-based capital ratio | 28.5108% | 543 |
| Total risk-based capital ratio | 28.9956% | 575 |
| Memoranda: | ||
| Average total assets | $164,810,750 | 3,247 |
| Average earning assets | $155,757,500 | 3,208 |
| Average equity | $16,312,000 | 3,504 |
| Average total loans | $37,543,250 | 4,668 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7692% | 5,416 |
| Cost of funding earning assets | 0.2179% | 4,933 |
| Net interest margin | 2.5513% | 5,306 |
| Noninterest income to average assets | 0.2897% | 4,246 |
| Noninterest expense to average assets | 1.9094% | 4,944 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7205% | 4,138 |
| Return on assets (ROA) | 0.7396% | 4,071 |
| Pretax return on assets | 0.8111% | 4,212 |
| Return on Equity (ROE) | 7.2755% | 3,806 |
| Retained earnings to average equity (ytd only) | 7.2755% | 1,938 |
| Net charge-offs to loans | 0.0160% | 2,605 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 213.6667% | 403 |
| Efficiency ratio | 70.7306% | 2,205 |
| Assets per employee ($millions) | 5.6910% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8173% | 4,641 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.1468% | 4,256 |
| Noncurrent loans to loans | 0.6130% | 2,578 |
| Net loans and leases to total assets | 23.7617% | 5,415 |
| Net loans and leases to deposits | 26.7632% | 5,426 |
| Net loans and leases to core deposits | 33.0771% | 5,377 |
| Total domestic deposits to total assets | 88.7850% | 1,022 |
| Equity capital to assets | 10.1187% | 3,522 |
| Core capital (leverage) ratio | 11.4745% | 2,094 |
| Tier 1 risk-based capital ratio | 29.3415% | 501 |
| Total risk-based capital ratio | 29.8480% | 528 |
| Memoranda: | ||
| Average total assets | $162,252,000 | 3,295 |
| Average earning assets | $153,257,670 | 3,252 |
| Average equity | $16,493,670 | 3,505 |
| Average total loans | $37,461,330 | 4,720 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8137% | 5,451 |
| Cost of funding earning assets | 0.2095% | 4,956 |
| Net interest margin | 2.6042% | 5,320 |
| Noninterest income to average assets | 0.2810% | 4,293 |
| Noninterest expense to average assets | 1.9767% | 4,891 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6939% | 4,118 |
| Return on assets (ROA) | 0.6939% | 4,127 |
| Pretax return on assets | 0.7648% | 4,240 |
| Return on Equity (ROE) | 6.8112% | 3,857 |
| Retained earnings to average equity (ytd only) | 6.8112% | 2,360 |
| Net charge-offs to loans | 0.0323% | 1,854 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 104.3333% | 598 |
| Efficiency ratio | 72.1034% | 2,180 |
| Assets per employee ($millions) | 6.0459% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8267% | 4,716 |
| Loan loss allowance to noncurrent loans | 1,835.2941% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 5,072 |
| Noncurrent loans to loans | 0.0450% | 4,772 |
| Net loans and leases to total assets | 22.9279% | 5,477 |
| Net loans and leases to deposits | 25.7779% | 5,490 |
| Net loans and leases to core deposits | 32.0039% | 5,436 |
| Total domestic deposits to total assets | 88.9438% | 1,120 |
| Equity capital to assets | 9.9732% | 3,625 |
| Core capital (leverage) ratio | 10.9352% | 2,505 |
| Tier 1 risk-based capital ratio | 28.8974% | 518 |
| Total risk-based capital ratio | 29.4052% | 547 |
| Memoranda: | ||
| Average total assets | $163,703,500 | 3,315 |
| Average earning assets | $154,674,500 | 3,270 |
| Average equity | $16,678,500 | 3,510 |
| Average total loans | $37,104,000 | 4,776 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7668% | 5,472 |
| Cost of funding earning assets | 0.2152% | 4,825 |
| Net interest margin | 2.5516% | 5,379 |
| Noninterest income to average assets | 0.2591% | 4,581 |
| Noninterest expense to average assets | 1.8302% | 5,215 |
| Loan and lease loss provision to assets | 0.0231% | 3,839 |
| Net operating income to assets | 0.5897% | 4,055 |
| Return on assets (ROA) | 0.6001% | 4,052 |
| Pretax return on assets | 0.8313% | 4,157 |
| Return on Equity (ROE) | 5.8093% | 3,837 |
| Retained earnings to average equity (ytd only) | 2.8723% | 3,593 |
| Net charge-offs to loans | 0.0339% | 3,111 |
| Credit loss provision to net charge-offs | 316.6667% | 903 |
| Earnings coverage of net charge-offs (x) | 115.3333% | 587 |
| Efficiency ratio | 68.5455% | 2,785 |
| Assets per employee ($millions) | 5.8632% | 1,611 |
| Cash dividends to net income (ytd only)* | 50.5561% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8637% | 4,618 |
| Loan loss allowance to noncurrent loans | 2,423.0769% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 5,136 |
| Noncurrent loans to loans | 0.0356% | 4,852 |
| Net loans and leases to total assets | 22.0224% | 5,556 |
| Net loans and leases to deposits | 24.9484% | 5,564 |
| Net loans and leases to core deposits | 30.9138% | 5,518 |
| Total domestic deposits to total assets | 88.2718% | 1,361 |
| Equity capital to assets | 10.4021% | 3,265 |
| Core capital (leverage) ratio | 10.4666% | 2,883 |
| Tier 1 risk-based capital ratio | 29.7166% | 470 |
| Total risk-based capital ratio | 30.2524% | 490 |
| Memoranda: | ||
| Average total assets | $164,793,800 | 3,297 |
| Average earning assets | $155,705,200 | 3,245 |
| Average equity | $17,024,400 | 3,482 |
| Average total loans | $35,346,400 | 4,860 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7422% | 5,545 |
| Cost of funding earning assets | 0.2155% | 4,843 |
| Net interest margin | 2.5266% | 5,453 |
| Noninterest income to average assets | 0.2570% | 4,661 |
| Noninterest expense to average assets | 1.7855% | 5,287 |
| Loan and lease loss provision to assets | 0.0307% | 3,508 |
| Net operating income to assets | 0.6999% | 3,984 |
| Return on assets (ROA) | 0.7162% | 3,954 |
| Pretax return on assets | 0.8479% | 4,215 |
| Return on Equity (ROE) | 6.9442% | 3,691 |
| Retained earnings to average equity (ytd only) | 6.9442% | 1,718 |
| Net charge-offs to loans | 0.0456% | 2,529 |
| Credit loss provision to net charge-offs | 316.6667% | 945 |
| Earnings coverage of net charge-offs (x) | 88.5813% | 752 |
| Efficiency ratio | 67.5122% | 2,962 |
| Assets per employee ($millions) | 6.2425% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8525% | 4,751 |
| Loan loss allowance to noncurrent loans | 94.8795% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 4,307 |
| Noncurrent loans to loans | 0.8985% | 2,136 |
| Net loans and leases to total assets | 21.7368% | 5,629 |
| Net loans and leases to deposits | 24.5736% | 5,631 |
| Net loans and leases to core deposits | 30.7128% | 5,589 |
| Total domestic deposits to total assets | 88.4561% | 1,147 |
| Equity capital to assets | 10.5418% | 3,327 |
| Core capital (leverage) ratio | 11.1736% | 2,301 |
| Tier 1 risk-based capital ratio | 30.7720% | 447 |
| Total risk-based capital ratio | 31.3146% | 470 |
| Memoranda: | ||
| Average total assets | $164,950,000 | 3,324 |
| Average earning assets | $155,882,500 | 3,278 |
| Average equity | $17,011,250 | 3,520 |
| Average total loans | $35,065,750 | 4,915 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7594% | 5,576 |
| Cost of funding earning assets | 0.2148% | 4,849 |
| Net interest margin | 2.5445% | 5,472 |
| Noninterest income to average assets | 0.2614% | 4,662 |
| Noninterest expense to average assets | 1.7746% | 5,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7408% | 3,666 |
| Return on assets (ROA) | 0.7560% | 3,660 |
| Pretax return on assets | 0.9063% | 3,912 |
| Return on Equity (ROE) | 7.3871% | 3,347 |
| Retained earnings to average equity (ytd only) | 7.3871% | 1,405 |
| Net charge-offs to loans | 0.0407% | 2,385 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 103.8571% | 638 |
| Efficiency ratio | 66.6514% | 3,236 |
| Assets per employee ($millions) | 5.8571% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7550% | 5,065 |
| Loan loss allowance to noncurrent loans | 74.6032% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 4,184 |
| Noncurrent loans to loans | 1.0121% | 1,939 |
| Net loans and leases to total assets | 23.4392% | 5,655 |
| Net loans and leases to deposits | 26.7038% | 5,669 |
| Net loans and leases to core deposits | 33.9035% | 5,603 |
| Total domestic deposits to total assets | 87.7748% | 1,581 |
| Equity capital to assets | 11.1799% | 2,624 |
| Core capital (leverage) ratio | 11.1755% | 2,246 |
| Tier 1 risk-based capital ratio | 29.5532% | 489 |
| Total risk-based capital ratio | 30.0267% | 506 |
| Memoranda: | ||
| Average total assets | $163,750,670 | 3,351 |
| Average earning assets | $154,528,330 | 3,311 |
| Average equity | $16,759,000 | 3,559 |
| Average total loans | $34,437,000 | 4,971 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7336% | 5,631 |
| Cost of funding earning assets | 0.2089% | 4,896 |
| Net interest margin | 2.5247% | 5,528 |
| Noninterest income to average assets | 0.2498% | 4,748 |
| Noninterest expense to average assets | 1.7892% | 5,395 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7013% | 3,695 |
| Return on assets (ROA) | 0.7013% | 3,736 |
| Pretax return on assets | 0.8406% | 3,970 |
| Return on Equity (ROE) | 7.1663% | 3,334 |
| Retained earnings to average equity (ytd only) | 7.1663% | 1,798 |
| Net charge-offs to loans | 0.0364% | 2,061 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 116.6667% | 468 |
| Efficiency ratio | 68.0365% | 3,190 |
| Assets per employee ($millions) | 5.4581% | 1,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8610% | 4,897 |
| Loan loss allowance to noncurrent loans | 76.2667% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 4,303 |
| Noncurrent loans to loans | 1.1289% | 1,809 |
| Net loans and leases to total assets | 20.1126% | 5,749 |
| Net loans and leases to deposits | 22.6194% | 5,756 |
| Net loans and leases to core deposits | 28.3778% | 5,714 |
| Total domestic deposits to total assets | 88.9174% | 1,186 |
| Equity capital to assets | 10.0591% | 3,684 |
| Core capital (leverage) ratio | 10.0104% | 3,481 |
| Tier 1 risk-based capital ratio | 29.4439% | 501 |
| Total risk-based capital ratio | 29.9315% | 514 |
| Memoranda: | ||
| Average total assets | $166,555,500 | 3,350 |
| Average earning assets | $157,008,500 | 3,313 |
| Average equity | $16,298,500 | 3,624 |
| Average total loans | $32,981,000 | 5,056 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6170% | 5,720 |
| Cost of funding earning assets | 0.2159% | 4,877 |
| Net interest margin | 2.4011% | 5,645 |
| Noninterest income to average assets | 0.1486% | 5,454 |
| Noninterest expense to average assets | 1.6682% | 5,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6086% | 4,170 |
| Return on assets (ROA) | 0.6273% | 4,211 |
| Pretax return on assets | 0.7683% | 4,275 |
| Return on Equity (ROE) | 6.3618% | 3,809 |
| Retained earnings to average equity (ytd only) | 4.1364% | 2,963 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1152% | 3,053 |
| Assets per employee ($millions) | 5.6456% | 1,747 |
| Cash dividends to net income (ytd only)* | 34.9813% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8826% | 4,853 |
| Loan loss allowance to noncurrent loans | 48.9831% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 0.3484% | 3,888 |
| Noncurrent loans to loans | 1.8019% | 1,051 |
| Net loans and leases to total assets | 19.1618% | 5,811 |
| Net loans and leases to deposits | 21.3999% | 5,822 |
| Net loans and leases to core deposits | 26.7186% | 5,786 |
| Total domestic deposits to total assets | 89.5417% | 841 |
| Equity capital to assets | 9.5213% | 4,246 |
| Core capital (leverage) ratio | 9.8522% | 3,687 |
| Tier 1 risk-based capital ratio | 28.4735% | 543 |
| Total risk-based capital ratio | 28.9577% | 567 |
| Memoranda: | ||
| Average total assets | $170,899,200 | 3,277 |
| Average earning assets | $161,217,600 | 3,219 |
| Average equity | $16,850,600 | 3,569 |
| Average total loans | $32,261,600 | 5,124 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6445% | 5,780 |
| Cost of funding earning assets | 0.2177% | 4,898 |
| Net interest margin | 2.4268% | 5,700 |
| Noninterest income to average assets | 0.1518% | 5,510 |
| Noninterest expense to average assets | 1.6331% | 5,663 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6849% | 3,935 |
| Return on assets (ROA) | 0.7107% | 3,924 |
| Pretax return on assets | 0.8399% | 4,190 |
| Return on Equity (ROE) | 7.1472% | 3,477 |
| Retained earnings to average equity (ytd only) | 7.1472% | 1,551 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8579% | 3,451 |
| Assets per employee ($millions) | 5.7191% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8505% | 5,036 |
| Loan loss allowance to noncurrent loans | 59.3814% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 0.2736% | 4,334 |
| Noncurrent loans to loans | 1.4323% | 1,515 |
| Net loans and leases to total assets | 18.9371% | 5,884 |
| Net loans and leases to deposits | 21.2809% | 5,895 |
| Net loans and leases to core deposits | 26.1514% | 5,857 |
| Total domestic deposits to total assets | 88.9865% | 916 |
| Equity capital to assets | 9.9672% | 4,159 |
| Core capital (leverage) ratio | 10.3336% | 3,181 |
| Tier 1 risk-based capital ratio | 29.2787% | 511 |
| Total risk-based capital ratio | 29.7702% | 539 |
| Memoranda: | ||
| Average total assets | $171,282,000 | 3,279 |
| Average earning assets | $161,687,000 | 3,223 |
| Average equity | $17,031,750 | 3,575 |
| Average total loans | $32,141,250 | 5,174 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6970% | 5,845 |
| Cost of funding earning assets | 0.2215% | 4,923 |
| Net interest margin | 2.4755% | 5,758 |
| Noninterest income to average assets | 0.1477% | 5,563 |
| Noninterest expense to average assets | 1.6470% | 5,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6959% | 3,809 |
| Return on assets (ROA) | 0.7018% | 3,930 |
| Pretax return on assets | 0.8448% | 4,143 |
| Return on Equity (ROE) | 7.0636% | 3,505 |
| Retained earnings to average equity (ytd only) | 7.0636% | 1,571 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2863% | 3,633 |
| Assets per employee ($millions) | 5.3011% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9154% | 4,904 |
| Loan loss allowance to noncurrent loans | 176.2195% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.0998% | 5,114 |
| Noncurrent loans to loans | 0.5195% | 3,528 |
| Net loans and leases to total assets | 19.0357% | 5,953 |
| Net loans and leases to deposits | 21.5891% | 5,967 |
| Net loans and leases to core deposits | 27.0692% | 5,925 |
| Total domestic deposits to total assets | 88.1728% | 1,338 |
| Equity capital to assets | 10.6710% | 3,439 |
| Core capital (leverage) ratio | 9.4084% | 4,323 |
| Tier 1 risk-based capital ratio | 29.8519% | 504 |
| Total risk-based capital ratio | 30.3916% | 530 |
| Memoranda: | ||
| Average total assets | $169,278,670 | 3,315 |
| Average earning assets | $159,807,000 | 3,269 |
| Average equity | $16,818,670 | 3,614 |
| Average total loans | $31,567,670 | 5,247 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6700% | 5,917 |
| Cost of funding earning assets | 0.2250% | 4,949 |
| Net interest margin | 2.4450% | 5,849 |
| Noninterest income to average assets | 0.1421% | 5,635 |
| Noninterest expense to average assets | 1.6512% | 5,793 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6335% | 4,044 |
| Return on assets (ROA) | 0.6335% | 4,162 |
| Pretax return on assets | 0.7942% | 4,212 |
| Return on Equity (ROE) | 6.6100% | 3,664 |
| Retained earnings to average equity (ytd only) | 6.6100% | 2,076 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5238% | 3,540 |
| Assets per employee ($millions) | 5.5835% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9269% | 4,964 |
| Loan loss allowance to noncurrent loans | 139.6135% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 5,103 |
| Noncurrent loans to loans | 0.6639% | 3,182 |
| Net loans and leases to total assets | 17.8462% | 6,019 |
| Net loans and leases to deposits | 19.9737% | 6,030 |
| Net loans and leases to core deposits | 24.1613% | 6,004 |
| Total domestic deposits to total assets | 89.3483% | 923 |
| Equity capital to assets | 9.6851% | 4,463 |
| Core capital (leverage) ratio | 9.6170% | 4,016 |
| Tier 1 risk-based capital ratio | 30.1424% | 503 |
| Total risk-based capital ratio | 30.6681% | 522 |
| Memoranda: | ||
| Average total assets | $171,751,500 | 3,304 |
| Average earning assets | $161,796,500 | 3,260 |
| Average equity | $16,460,000 | 3,667 |
| Average total loans | $31,566,000 | 5,283 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4650% | 6,005 |
| Cost of funding earning assets | 0.2369% | 4,925 |
| Net interest margin | 2.2281% | 5,982 |
| Noninterest income to average assets | 0.1093% | 5,845 |
| Noninterest expense to average assets | 1.4720% | 5,999 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6848% | 3,886 |
| Return on assets (ROA) | 0.6879% | 3,975 |
| Pretax return on assets | 0.7598% | 4,339 |
| Return on Equity (ROE) | 7.6505% | 3,161 |
| Retained earnings to average equity (ytd only) | 5.2892% | 2,216 |
| Net charge-offs to loans | 0.0422% | 3,377 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 102.7692% | 563 |
| Efficiency ratio | 66.0569% | 3,893 |
| Assets per employee ($millions) | 5.4972% | 1,808 |
| Cash dividends to net income (ytd only)* | 30.8642% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9013% | 5,082 |
| Loan loss allowance to noncurrent loans | 152.3810% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 5,148 |
| Noncurrent loans to loans | 0.5915% | 3,394 |
| Net loans and leases to total assets | 18.5813% | 6,070 |
| Net loans and leases to deposits | 20.7069% | 6,082 |
| Net loans and leases to core deposits | 25.1903% | 6,049 |
| Total domestic deposits to total assets | 89.7349% | 737 |
| Equity capital to assets | 9.4805% | 4,573 |
| Core capital (leverage) ratio | 9.2879% | 4,495 |
| Tier 1 risk-based capital ratio | 29.9214% | 507 |
| Total risk-based capital ratio | 30.4519% | 532 |
| Memoranda: | ||
| Average total assets | $176,634,800 | 3,210 |
| Average earning assets | $167,989,800 | 3,148 |
| Average equity | $15,881,400 | 3,694 |
| Average total loans | $30,832,600 | 5,328 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3671% | 6,131 |
| Cost of funding earning assets | 0.2347% | 5,047 |
| Net interest margin | 2.1324% | 6,090 |
| Noninterest income to average assets | 0.1085% | 5,924 |
| Noninterest expense to average assets | 1.4179% | 6,087 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6031% | 4,372 |
| Return on assets (ROA) | 0.6068% | 4,449 |
| Pretax return on assets | 0.7348% | 4,553 |
| Return on Equity (ROE) | 6.8382% | 3,710 |
| Retained earnings to average equity (ytd only) | 6.8382% | 1,766 |
| Net charge-offs to loans | 0.0044% | 4,025 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 978.4211% | 79 |
| Efficiency ratio | 66.0049% | 3,890 |
| Assets per employee ($millions) | 5.6847% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9202% | 5,123 |
| Loan loss allowance to noncurrent loans | 236.2205% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 5,471 |
| Noncurrent loans to loans | 0.3896% | 4,219 |
| Net loans and leases to total assets | 18.3288% | 6,159 |
| Net loans and leases to deposits | 20.3474% | 6,180 |
| Net loans and leases to core deposits | 24.2965% | 6,146 |
| Total domestic deposits to total assets | 90.0797% | 544 |
| Equity capital to assets | 9.0963% | 5,213 |
| Core capital (leverage) ratio | 9.2674% | 4,633 |
| Tier 1 risk-based capital ratio | 28.7086% | 584 |
| Total risk-based capital ratio | 29.2382% | 606 |
| Memoranda: | ||
| Average total assets | $178,190,250 | 3,218 |
| Average earning assets | $170,446,250 | 3,140 |
| Average equity | $15,812,750 | 3,743 |
| Average total loans | $30,552,500 | 5,402 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3296% | 6,215 |
| Cost of funding earning assets | 0.2347% | 5,100 |
| Net interest margin | 2.0949% | 6,174 |
| Noninterest income to average assets | 0.0995% | 6,030 |
| Noninterest expense to average assets | 1.3979% | 6,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5926% | 4,383 |
| Return on assets (ROA) | 0.5983% | 4,447 |
| Pretax return on assets | 0.7146% | 4,610 |
| Return on Equity (ROE) | 6.7978% | 3,731 |
| Retained earnings to average equity (ytd only) | 6.7978% | 1,792 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3834% | 3,948 |
| Assets per employee ($millions) | 6.6169% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 4,604 |
| Loan loss allowance to noncurrent loans | 385.8974% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 5,694 |
| Noncurrent loans to loans | 0.2723% | 4,692 |
| Net loans and leases to total assets | 15.3013% | 6,262 |
| Net loans and leases to deposits | 16.8075% | 6,278 |
| Net loans and leases to core deposits | 19.2769% | 6,262 |
| Total domestic deposits to total assets | 91.0386% | 285 |
| Equity capital to assets | 8.3051% | 5,829 |
| Core capital (leverage) ratio | 8.8875% | 5,109 |
| Tier 1 risk-based capital ratio | 27.6880% | 665 |
| Total risk-based capital ratio | 28.2091% | 696 |
| Memoranda: | ||
| Average total assets | $178,845,330 | 3,233 |
| Average earning assets | $171,270,670 | 3,149 |
| Average equity | $15,740,330 | 3,768 |
| Average total loans | $29,870,000 | 5,476 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3655% | 6,268 |
| Cost of funding earning assets | 0.2494% | 5,028 |
| Net interest margin | 2.1161% | 6,241 |
| Noninterest income to average assets | 0.1025% | 6,071 |
| Noninterest expense to average assets | 1.4553% | 6,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5830% | 4,350 |
| Return on assets (ROA) | 0.5830% | 4,453 |
| Pretax return on assets | 0.6764% | 4,666 |
| Return on Equity (ROE) | 6.4334% | 3,810 |
| Retained earnings to average equity (ytd only) | 6.4334% | 2,268 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2692% | 3,776 |
| Assets per employee ($millions) | 6.3329% | 1,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 4,832 |
| Loan loss allowance to noncurrent loans | 771.7949% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 5,855 |
| Noncurrent loans to loans | 0.1345% | 5,295 |
| Net loans and leases to total assets | 16.1803% | 6,314 |
| Net loans and leases to deposits | 17.9571% | 6,326 |
| Net loans and leases to core deposits | 20.7615% | 6,304 |
| Total domestic deposits to total assets | 90.1050% | 698 |
| Equity capital to assets | 9.1664% | 5,126 |
| Core capital (leverage) ratio | 8.4816% | 5,538 |
| Tier 1 risk-based capital ratio | 27.5317% | 678 |
| Total risk-based capital ratio | 28.0950% | 710 |
| Memoranda: | ||
| Average total assets | $175,632,000 | 3,295 |
| Average earning assets | $168,422,000 | 3,204 |
| Average equity | $15,917,000 | 3,762 |
| Average total loans | $30,480,000 | 5,489 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8411% | 6,181 |
| Cost of funding earning assets | 0.3710% | 4,032 |
| Net interest margin | 2.4702% | 6,182 |
| Noninterest income to average assets | 0.1619% | 5,889 |
| Noninterest expense to average assets | 1.7324% | 6,132 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6688% | 4,045 |
| Return on assets (ROA) | 0.7314% | 3,837 |
| Pretax return on assets | 0.8349% | 4,127 |
| Return on Equity (ROE) | 7.2398% | 3,495 |
| Retained earnings to average equity (ytd only) | 4.6268% | 2,879 |
| Net charge-offs to loans | 0.0414% | 3,995 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 83.4615% | 603 |
| Efficiency ratio | 69.4021% | 3,646 |
| Assets per employee ($millions) | 6.2148% | 1,239 |
| Cash dividends to net income (ytd only)* | 36.0924% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9416% | 5,327 |
| Loan loss allowance to noncurrent loans | 1,003.3333% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 5,980 |
| Noncurrent loans to loans | 0.0938% | 5,516 |
| Net loans and leases to total assets | 18.1980% | 6,391 |
| Net loans and leases to deposits | 20.1507% | 6,406 |
| Net loans and leases to core deposits | 23.6122% | 6,375 |
| Total domestic deposits to total assets | 90.3094% | 610 |
| Equity capital to assets | 8.9941% | 5,293 |
| Core capital (leverage) ratio | 10.1133% | 3,418 |
| Tier 1 risk-based capital ratio | 26.9547% | 688 |
| Total risk-based capital ratio | 27.4796% | 727 |
| Memoranda: | ||
| Average total assets | $142,058,800 | 3,759 |
| Average earning assets | $134,242,000 | 3,694 |
| Average equity | $14,351,200 | 3,967 |
| Average total loans | $31,386,000 | 5,514 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0101% | 6,129 |
| Cost of funding earning assets | 0.4051% | 3,731 |
| Net interest margin | 2.6050% | 6,130 |
| Noninterest income to average assets | 0.1283% | 6,126 |
| Noninterest expense to average assets | 1.7851% | 6,110 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6297% | 4,308 |
| Return on assets (ROA) | 0.7101% | 3,994 |
| Pretax return on assets | 0.8930% | 4,019 |
| Return on Equity (ROE) | 6.7871% | 3,812 |
| Retained earnings to average equity (ytd only) | 6.7871% | 1,932 |
| Net charge-offs to loans | 0.0470% | 3,559 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 72.4363% | 758 |
| Efficiency ratio | 69.2515% | 3,633 |
| Assets per employee ($millions) | 5.0696% | 2,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9582% | 5,389 |
| Loan loss allowance to noncurrent loans | 977.4194% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 5,780 |
| Noncurrent loans to loans | 0.0980% | 5,650 |
| Net loans and leases to total assets | 22.0637% | 6,418 |
| Net loans and leases to deposits | 24.9087% | 6,439 |
| Net loans and leases to core deposits | 30.5832% | 6,379 |
| Total domestic deposits to total assets | 88.5782% | 1,462 |
| Equity capital to assets | 10.6398% | 3,381 |
| Core capital (leverage) ratio | 11.8508% | 1,795 |
| Tier 1 risk-based capital ratio | 29.7170% | 541 |
| Total risk-based capital ratio | 30.2976% | 566 |
| Memoranda: | ||
| Average total assets | $134,070,000 | 3,937 |
| Average earning assets | $126,061,000 | 3,875 |
| Average equity | $14,026,250 | 4,040 |
| Average total loans | $31,240,500 | 5,574 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0762% | 6,095 |
| Cost of funding earning assets | 0.4277% | 3,572 |
| Net interest margin | 2.6486% | 6,117 |
| Noninterest income to average assets | 0.1369% | 6,137 |
| Noninterest expense to average assets | 1.8228% | 6,114 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6773% | 3,956 |
| Return on assets (ROA) | 0.8064% | 3,396 |
| Pretax return on assets | 0.9555% | 3,659 |
| Return on Equity (ROE) | 7.7557% | 3,230 |
| Retained earnings to average equity (ytd only) | 7.7557% | 1,410 |
| Net charge-offs to loans | 0.0193% | 3,832 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 175.6667% | 358 |
| Efficiency ratio | 69.4493% | 3,748 |
| Assets per employee ($millions) | 4.6035% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 5,406 |
| Loan loss allowance to noncurrent loans | 259.1667% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 5,573 |
| Noncurrent loans to loans | 0.3807% | 4,851 |
| Net loans and leases to total assets | 24.2108% | 6,448 |
| Net loans and leases to deposits | 27.5473% | 6,467 |
| Net loans and leases to core deposits | 34.7842% | 6,360 |
| Total domestic deposits to total assets | 87.8880% | 1,972 |
| Equity capital to assets | 11.3261% | 2,584 |
| Core capital (leverage) ratio | 11.8862% | 1,726 |
| Tier 1 risk-based capital ratio | 30.5478% | 500 |
| Total risk-based capital ratio | 31.1678% | 519 |
| Memoranda: | ||
| Average total assets | $131,444,000 | 4,007 |
| Average earning assets | $123,463,670 | 3,943 |
| Average equity | $13,667,330 | 4,108 |
| Average total loans | $31,113,330 | 5,626 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0617% | 6,170 |
| Cost of funding earning assets | 0.4392% | 3,541 |
| Net interest margin | 2.6225% | 6,202 |
| Noninterest income to average assets | 0.1356% | 6,166 |
| Noninterest expense to average assets | 1.7812% | 6,245 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7475% | 3,433 |
| Return on assets (ROA) | 0.7475% | 3,516 |
| Pretax return on assets | 0.8198% | 4,032 |
| Return on Equity (ROE) | 7.5143% | 3,191 |
| Retained earnings to average equity (ytd only) | 7.5143% | 1,811 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4820% | 4,094 |
| Assets per employee ($millions) | 5.0944% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 5,425 |
| Loan loss allowance to noncurrent loans | 160.2041% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 5,819 |
| Noncurrent loans to loans | 0.6400% | 4,263 |
| Net loans and leases to total assets | 22.0365% | 6,538 |
| Net loans and leases to deposits | 24.6655% | 6,567 |
| Net loans and leases to core deposits | 30.5705% | 6,489 |
| Total domestic deposits to total assets | 89.3413% | 1,451 |
| Equity capital to assets | 9.9579% | 3,894 |
| Core capital (leverage) ratio | 11.5776% | 1,913 |
| Tier 1 risk-based capital ratio | 28.0759% | 639 |
| Total risk-based capital ratio | 28.6621% | 672 |
| Memoranda: | ||
| Average total assets | $132,717,500 | 4,015 |
| Average earning assets | $124,766,000 | 3,948 |
| Average equity | $13,201,500 | 4,199 |
| Average total loans | $30,911,000 | 5,681 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6605% | 5,245 |
| Cost of funding earning assets | 0.5917% | 2,742 |
| Net interest margin | 3.0687% | 5,407 |
| Noninterest income to average assets | 0.1122% | 6,343 |
| Noninterest expense to average assets | 1.9579% | 6,094 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8443% | 3,071 |
| Return on assets (ROA) | 0.8443% | 3,145 |
| Pretax return on assets | 1.0121% | 3,304 |
| Return on Equity (ROE) | 6.7187% | 3,714 |
| Retained earnings to average equity (ytd only) | 4.2659% | 3,140 |
| Net charge-offs to loans | 0.0311% | 4,813 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 114.6000% | 414 |
| Efficiency ratio | 65.9233% | 4,576 |
| Assets per employee ($millions) | 4.7365% | 2,531 |
| Cash dividends to net income (ytd only)* | 36.5063% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 5,529 |
| Loan loss allowance to noncurrent loans | 163.5417% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 5,869 |
| Noncurrent loans to loans | 0.6154% | 4,438 |
| Net loans and leases to total assets | 24.1489% | 6,600 |
| Net loans and leases to deposits | 27.0252% | 6,626 |
| Net loans and leases to core deposits | 34.0740% | 6,516 |
| Total domestic deposits to total assets | 89.3569% | 1,407 |
| Equity capital to assets | 9.9354% | 3,853 |
| Core capital (leverage) ratio | 13.1068% | 1,103 |
| Tier 1 risk-based capital ratio | 28.9369% | 558 |
| Total risk-based capital ratio | 29.5511% | 579 |
| Memoranda: | ||
| Average total assets | $113,232,200 | 4,426 |
| Average earning assets | $105,451,400 | 4,378 |
| Average equity | $14,229,000 | 4,021 |
| Average total loans | $32,176,600 | 5,657 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7632% | 4,989 |
| Cost of funding earning assets | 0.6244% | 2,616 |
| Net interest margin | 3.1388% | 5,203 |
| Noninterest income to average assets | 0.1764% | 6,135 |
| Noninterest expense to average assets | 2.0407% | 5,944 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8871% | 2,899 |
| Return on assets (ROA) | 0.8871% | 3,016 |
| Pretax return on assets | 1.0538% | 3,284 |
| Return on Equity (ROE) | 6.6530% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.6530% | 2,061 |
| Net charge-offs to loans | 0.0329% | 4,476 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 108.2137% | 469 |
| Efficiency ratio | 65.9457% | 4,493 |
| Assets per employee ($millions) | 4.2144% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9486% | 5,924 |
| Loan loss allowance to noncurrent loans | 116.6052% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.3832% | 5,258 |
| Noncurrent loans to loans | 0.8135% | 4,208 |
| Net loans and leases to total assets | 28.9967% | 6,566 |
| Net loans and leases to deposits | 33.1382% | 6,588 |
| Net loans and leases to core deposits | 43.7020% | 6,317 |
| Total domestic deposits to total assets | 87.5023% | 2,417 |
| Equity capital to assets | 11.7076% | 2,120 |
| Core capital (leverage) ratio | 13.2838% | 1,104 |
| Tier 1 risk-based capital ratio | 29.2187% | 555 |
| Total risk-based capital ratio | 29.8396% | 572 |
| Memoranda: | ||
| Average total assets | $109,568,750 | 4,544 |
| Average earning assets | $101,861,500 | 4,507 |
| Average equity | $14,609,750 | 3,986 |
| Average total loans | $32,421,500 | 5,704 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7863% | 4,872 |
| Cost of funding earning assets | 0.6420% | 2,574 |
| Net interest margin | 3.1443% | 5,143 |
| Noninterest income to average assets | 0.1923% | 6,059 |
| Noninterest expense to average assets | 2.1209% | 5,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7840% | 3,380 |
| Return on assets (ROA) | 0.7840% | 3,544 |
| Pretax return on assets | 0.9967% | 3,525 |
| Return on Equity (ROE) | 5.6387% | 4,384 |
| Retained earnings to average equity (ytd only) | 5.6387% | 2,649 |
| Net charge-offs to loans | 0.0498% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 67.3750% | 655 |
| Efficiency ratio | 68.0308% | 4,181 |
| Assets per employee ($millions) | 4.0208% | 3,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9741% | 5,915 |
| Loan loss allowance to noncurrent loans | 457.9710% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.2155% | 5,850 |
| Noncurrent loans to loans | 0.2127% | 5,770 |
| Net loans and leases to total assets | 29.5898% | 6,591 |
| Net loans and leases to deposits | 34.3451% | 6,596 |
| Net loans and leases to core deposits | 47.0501% | 6,176 |
| Total domestic deposits to total assets | 86.1543% | 3,285 |
| Equity capital to assets | 13.0056% | 1,343 |
| Core capital (leverage) ratio | 13.5197% | 970 |
| Tier 1 risk-based capital ratio | 30.4351% | 499 |
| Total risk-based capital ratio | 31.0934% | 524 |
| Memoranda: | ||
| Average total assets | $108,162,000 | 4,601 |
| Average earning assets | $100,625,000 | 4,565 |
| Average equity | $15,039,000 | 3,938 |
| Average total loans | $32,125,000 | 5,750 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7445% | 5,008 |
| Cost of funding earning assets | 0.6573% | 2,590 |
| Net interest margin | 3.0872% | 5,313 |
| Noninterest income to average assets | 0.2075% | 5,994 |
| Noninterest expense to average assets | 2.3267% | 5,347 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6039% | 4,193 |
| Return on assets (ROA) | 0.6039% | 4,350 |
| Pretax return on assets | 0.7521% | 4,364 |
| Return on Equity (ROE) | 4.2067% | 4,994 |
| Retained earnings to average equity (ytd only) | 4.2067% | 3,698 |
| Net charge-offs to loans | 0.0751% | 3,095 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 33.8333% | 898 |
| Efficiency ratio | 75.5716% | 3,000 |
| Assets per employee ($millions) | 4.0688% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 5,951 |
| Loan loss allowance to noncurrent loans | 125.6917% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.3805% | 5,450 |
| Noncurrent loans to loans | 0.8030% | 4,519 |
| Net loans and leases to total assets | 28.3915% | 6,654 |
| Net loans and leases to deposits | 33.5178% | 6,655 |
| Net loans and leases to core deposits | 46.3516% | 6,196 |
| Total domestic deposits to total assets | 84.7056% | 4,178 |
| Equity capital to assets | 14.1238% | 988 |
| Core capital (leverage) ratio | 13.6933% | 876 |
| Tier 1 risk-based capital ratio | 30.8669% | 494 |
| Total risk-based capital ratio | 31.5509% | 511 |
| Memoranda: | ||
| Average total assets | $107,962,500 | 4,656 |
| Average earning assets | $100,414,500 | 4,610 |
| Average equity | $15,499,000 | 3,904 |
| Average total loans | $31,968,000 | 5,796 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9579% | 5,420 |
| Cost of funding earning assets | 0.7897% | 2,752 |
| Net interest margin | 3.1682% | 5,647 |
| Noninterest income to average assets | 0.2102% | 5,912 |
| Noninterest expense to average assets | 2.1762% | 5,976 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7725% | 3,404 |
| Return on assets (ROA) | 1.0184% | 2,472 |
| Pretax return on assets | 1.2727% | 2,511 |
| Return on Equity (ROE) | 6.8553% | 3,725 |
| Retained earnings to average equity (ytd only) | 3.5566% | 3,713 |
| Net charge-offs to loans | 0.0124% | 5,747 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 245.7500% | 164 |
| Efficiency ratio | 69.2716% | 3,930 |
| Assets per employee ($millions) | 3.7881% | 4,388 |
| Cash dividends to net income (ytd only)* | 48.1196% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 5,968 |
| Loan loss allowance to noncurrent loans | 352.1739% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 5,825 |
| Noncurrent loans to loans | 0.2837% | 5,773 |
| Net loans and leases to total assets | 30.2674% | 6,692 |
| Net loans and leases to deposits | 36.0314% | 6,679 |
| Net loans and leases to core deposits | 50.4923% | 6,121 |
| Total domestic deposits to total assets | 84.0027% | 4,312 |
| Equity capital to assets | 14.5963% | 842 |
| Core capital (leverage) ratio | 13.5472% | 926 |
| Tier 1 risk-based capital ratio | 30.6177% | 491 |
| Total risk-based capital ratio | 31.3169% | 507 |
| Memoranda: | ||
| Average total assets | $101,827,200 | 4,782 |
| Average earning assets | $94,216,800 | 4,753 |
| Average equity | $15,127,000 | 3,936 |
| Average total loans | $32,265,200 | 5,838 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9259% | 5,721 |
| Cost of funding earning assets | 0.8089% | 2,872 |
| Net interest margin | 3.1170% | 5,900 |
| Noninterest income to average assets | 0.2143% | 6,004 |
| Noninterest expense to average assets | 2.1925% | 5,972 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7672% | 3,617 |
| Return on assets (ROA) | 1.1062% | 2,254 |
| Pretax return on assets | 1.3165% | 2,534 |
| Return on Equity (ROE) | 7.4120% | 3,574 |
| Retained earnings to average equity (ytd only) | 7.4120% | 1,889 |
| Net charge-offs to loans | 0.0207% | 5,379 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 137.9280% | 323 |
| Efficiency ratio | 70.6008% | 3,574 |
| Assets per employee ($millions) | 3.9629% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 6,111 |
| Loan loss allowance to noncurrent loans | 200.6211% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 5,813 |
| Noncurrent loans to loans | 0.4953% | 5,454 |
| Net loans and leases to total assets | 30.0803% | 6,817 |
| Net loans and leases to deposits | 35.8763% | 6,816 |
| Net loans and leases to core deposits | 47.9822% | 6,410 |
| Total domestic deposits to total assets | 83.8444% | 4,300 |
| Equity capital to assets | 14.8144% | 868 |
| Core capital (leverage) ratio | 14.3346% | 743 |
| Tier 1 risk-based capital ratio | 29.9203% | 542 |
| Total risk-based capital ratio | 30.5875% | 557 |
| Memoranda: | ||
| Average total assets | $100,767,000 | 4,861 |
| Average earning assets | $93,462,750 | 4,812 |
| Average equity | $15,038,250 | 3,991 |
| Average total loans | $32,224,500 | 5,916 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9317% | 5,833 |
| Cost of funding earning assets | 0.8461% | 2,823 |
| Net interest margin | 3.0856% | 6,045 |
| Noninterest income to average assets | 0.2675% | 5,661 |
| Noninterest expense to average assets | 2.2981% | 5,745 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7904% | 3,429 |
| Return on assets (ROA) | 0.7904% | 3,685 |
| Pretax return on assets | 0.8147% | 4,426 |
| Return on Equity (ROE) | 5.2819% | 4,675 |
| Retained earnings to average equity (ytd only) | 5.2819% | 3,109 |
| Net charge-offs to loans | 0.0311% | 4,943 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 80.4000% | 505 |
| Efficiency ratio | 73.8281% | 3,106 |
| Assets per employee ($millions) | 3.7867% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 6,225 |
| Loan loss allowance to noncurrent loans | 978.7879% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.2396% | 6,169 |
| Noncurrent loans to loans | 0.1004% | 6,415 |
| Net loans and leases to total assets | 31.8359% | 6,814 |
| Net loans and leases to deposits | 37.8574% | 6,810 |
| Net loans and leases to core deposits | 51.9969% | 6,237 |
| Total domestic deposits to total assets | 84.0943% | 4,280 |
| Equity capital to assets | 14.8054% | 831 |
| Core capital (leverage) ratio | 14.3006% | 735 |
| Tier 1 risk-based capital ratio | 29.2961% | 555 |
| Total risk-based capital ratio | 29.9702% | 577 |
| Memoranda: | ||
| Average total assets | $98,690,330 | 4,932 |
| Average earning assets | $91,004,670 | 4,899 |
| Average equity | $14,767,330 | 4,039 |
| Average total loans | $32,130,000 | 5,960 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0901% | 5,492 |
| Cost of funding earning assets | 0.9029% | 2,660 |
| Net interest margin | 3.1872% | 5,817 |
| Noninterest income to average assets | 0.1940% | 6,224 |
| Noninterest expense to average assets | 2.5589% | 4,964 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6191% | 4,265 |
| Return on assets (ROA) | 0.6191% | 4,474 |
| Pretax return on assets | 0.5489% | 5,289 |
| Return on Equity (ROE) | 4.1145% | 5,243 |
| Retained earnings to average equity (ytd only) | 4.1145% | 4,124 |
| Net charge-offs to loans | 0.0630% | 3,864 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 26.6000% | 1,001 |
| Efficiency ratio | 82.3373% | 1,895 |
| Assets per employee ($millions) | 3.6913% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0348% | 6,135 |
| Loan loss allowance to noncurrent loans | 200.6211% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.3743% | 5,943 |
| Noncurrent loans to loans | 0.5158% | 5,638 |
| Net loans and leases to total assets | 30.9961% | 6,869 |
| Net loans and leases to deposits | 36.8626% | 6,860 |
| Net loans and leases to core deposits | 51.2832% | 6,259 |
| Total domestic deposits to total assets | 84.0855% | 4,441 |
| Equity capital to assets | 14.8088% | 781 |
| Core capital (leverage) ratio | 14.2535% | 739 |
| Tier 1 risk-based capital ratio | 28.9950% | 571 |
| Total risk-based capital ratio | 29.6737% | 599 |
| Memoranda: | ||
| Average total assets | $96,915,500 | 5,021 |
| Average earning assets | $88,604,000 | 5,004 |
| Average equity | $14,582,500 | 4,075 |
| Average total loans | $31,759,000 | 6,023 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3059% | 5,747 |
| Cost of funding earning assets | 1.0705% | 2,877 |
| Net interest margin | 3.2354% | 5,989 |
| Noninterest income to average assets | 0.2285% | 5,897 |
| Noninterest expense to average assets | 2.1675% | 6,334 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0153% | 2,148 |
| Return on assets (ROA) | 1.0153% | 2,290 |
| Pretax return on assets | 1.0532% | 3,024 |
| Return on Equity (ROE) | 7.0206% | 3,399 |
| Retained earnings to average equity (ytd only) | 5.9282% | 2,059 |
| Net charge-offs to loans | -0.0463% | 7,048 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2989% | 4,517 |
| Assets per employee ($millions) | 3.4877% | 5,043 |
| Cash dividends to net income (ytd only)* | 15.5602% | 3,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0154% | 6,144 |
| Loan loss allowance to noncurrent loans | 280.3419% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.5989% | 5,464 |
| Noncurrent loans to loans | 0.3622% | 6,000 |
| Net loans and leases to total assets | 33.9556% | 6,872 |
| Net loans and leases to deposits | 40.5743% | 6,848 |
| Net loans and leases to core deposits | 59.2130% | 5,913 |
| Total domestic deposits to total assets | 83.6875% | 4,454 |
| Equity capital to assets | 15.2984% | 721 |
| Core capital (leverage) ratio | 14.3426% | 746 |
| Tier 1 risk-based capital ratio | 28.1585% | 612 |
| Total risk-based capital ratio | 28.8352% | 645 |
| Memoranda: | ||
| Average total assets | $94,946,600 | 5,049 |
| Average earning assets | $87,810,400 | 4,994 |
| Average equity | $13,731,000 | 4,181 |
| Average total loans | $32,399,800 | 6,048 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2957% | 5,961 |
| Cost of funding earning assets | 1.1001% | 2,980 |
| Net interest margin | 3.1956% | 6,170 |
| Noninterest income to average assets | 0.2242% | 6,011 |
| Noninterest expense to average assets | 2.0867% | 6,520 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9740% | 2,413 |
| Return on assets (ROA) | 0.9740% | 2,583 |
| Pretax return on assets | 1.0931% | 3,043 |
| Return on Equity (ROE) | 6.8325% | 3,594 |
| Retained earnings to average equity (ytd only) | 6.8325% | 2,057 |
| Net charge-offs to loans | -0.0740% | 7,117 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6236% | 4,788 |
| Assets per employee ($millions) | 3.7687% | 4,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 6,135 |
| Loan loss allowance to noncurrent loans | 2,758.3333% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 5,911 |
| Noncurrent loans to loans | 0.0373% | 6,848 |
| Net loans and leases to total assets | 32.5278% | 7,011 |
| Net loans and leases to deposits | 38.7015% | 7,015 |
| Net loans and leases to core deposits | 54.9677% | 6,393 |
| Total domestic deposits to total assets | 84.0479% | 4,206 |
| Equity capital to assets | 14.8224% | 897 |
| Core capital (leverage) ratio | 14.1640% | 855 |
| Tier 1 risk-based capital ratio | 28.2717% | 634 |
| Total risk-based capital ratio | 28.9634% | 666 |
| Memoranda: | ||
| Average total assets | $95,141,500 | 5,070 |
| Average earning assets | $87,992,750 | 5,027 |
| Average equity | $13,562,250 | 4,223 |
| Average total loans | $32,424,000 | 6,108 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3557% | 5,835 |
| Cost of funding earning assets | 1.1379% | 2,980 |
| Net interest margin | 3.2178% | 6,109 |
| Noninterest income to average assets | 0.2675% | 5,734 |
| Noninterest expense to average assets | 2.0596% | 6,675 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0362% | 2,081 |
| Return on assets (ROA) | 1.0362% | 2,180 |
| Pretax return on assets | 1.1742% | 2,577 |
| Return on Equity (ROE) | 7.3707% | 3,254 |
| Retained earnings to average equity (ytd only) | 7.3707% | 1,703 |
| Net charge-offs to loans | -0.1785% | 7,275 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6901% | 5,300 |
| Assets per employee ($millions) | 3.6418% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 6,255 |
| Loan loss allowance to noncurrent loans | 63.5688% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 0.7921% | 5,311 |
| Noncurrent loans to loans | 1.6029% | 3,989 |
| Net loans and leases to total assets | 35.0868% | 7,011 |
| Net loans and leases to deposits | 41.5849% | 7,006 |
| Net loans and leases to core deposits | 59.9542% | 6,092 |
| Total domestic deposits to total assets | 84.3739% | 4,181 |
| Equity capital to assets | 14.7157% | 887 |
| Core capital (leverage) ratio | 13.9533% | 881 |
| Tier 1 risk-based capital ratio | 28.4279% | 628 |
| Total risk-based capital ratio | 29.1576% | 651 |
| Memoranda: | ||
| Average total assets | $94,193,000 | 5,131 |
| Average earning assets | $86,829,330 | 5,099 |
| Average equity | $13,241,670 | 4,286 |
| Average total loans | $32,497,330 | 6,162 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2300% | 6,206 |
| Cost of funding earning assets | 1.1881% | 2,895 |
| Net interest margin | 3.0419% | 6,485 |
| Noninterest income to average assets | 0.2086% | 6,242 |
| Noninterest expense to average assets | 2.1672% | 6,494 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7919% | 3,071 |
| Return on assets (ROA) | 0.7919% | 3,141 |
| Pretax return on assets | 0.8430% | 3,729 |
| Return on Equity (ROE) | 5.7695% | 4,032 |
| Retained earnings to average equity (ytd only) | 5.7695% | 2,767 |
| Net charge-offs to loans | -0.0125% | 6,434 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9943% | 3,867 |
| Assets per employee ($millions) | 3.9149% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 6,423 |
| Loan loss allowance to noncurrent loans | 59.6958% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 0.7806% | 5,350 |
| Noncurrent loans to loans | 1.6651% | 3,985 |
| Net loans and leases to total assets | 31.9560% | 7,168 |
| Net loans and leases to deposits | 37.1356% | 7,192 |
| Net loans and leases to core deposits | 52.0547% | 6,672 |
| Total domestic deposits to total assets | 86.0522% | 3,496 |
| Equity capital to assets | 13.2745% | 1,271 |
| Core capital (leverage) ratio | 14.4301% | 753 |
| Tier 1 risk-based capital ratio | 28.1828% | 620 |
| Total risk-based capital ratio | 28.8624% | 640 |
| Memoranda: | ||
| Average total assets | $93,945,500 | 5,173 |
| Average earning assets | $86,525,000 | 5,146 |
| Average equity | $12,895,500 | 4,363 |
| Average total loans | $31,963,500 | 6,243 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6451% | 5,972 |
| Cost of funding earning assets | 1.4775% | 2,775 |
| Net interest margin | 3.1676% | 6,346 |
| Noninterest income to average assets | 0.3320% | 5,417 |
| Noninterest expense to average assets | 2.2704% | 6,432 |
| Loan and lease loss provision to assets | 0.4585% | 3,375 |
| Net operating income to assets | 0.5711% | 3,799 |
| Return on assets (ROA) | 0.5862% | 3,895 |
| Pretax return on assets | 0.5421% | 4,496 |
| Return on Equity (ROE) | 3.8844% | 4,580 |
| Retained earnings to average equity (ytd only) | 2.9229% | 3,813 |
| Net charge-offs to loans | 1.0593% | 2,088 |
| Credit loss provision to net charge-offs | 110.9551% | 3,966 |
| Earnings coverage of net charge-offs (x) | 2.3848% | 3,944 |
| Efficiency ratio | 69.7326% | 4,233 |
| Assets per employee ($millions) | 3.6008% | 4,705 |
| Cash dividends to net income (ytd only)* | 24.7525% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 6,501 |
| Loan loss allowance to noncurrent loans | 54.8161% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 0.8698% | 5,272 |
| Noncurrent loans to loans | 1.7658% | 3,865 |
| Net loans and leases to total assets | 35.5747% | 7,175 |
| Net loans and leases to deposits | 41.7991% | 7,191 |
| Net loans and leases to core deposits | 55.2910% | 6,739 |
| Total domestic deposits to total assets | 85.1087% | 3,792 |
| Equity capital to assets | 14.2181% | 975 |
| Core capital (leverage) ratio | 14.4343% | 759 |
| Tier 1 risk-based capital ratio | 28.2871% | 586 |
| Total risk-based capital ratio | 28.9769% | 619 |
| Memoranda: | ||
| Average total assets | $86,151,800 | 5,405 |
| Average earning assets | $79,524,200 | 5,363 |
| Average equity | $13,000,600 | 4,363 |
| Average total loans | $33,606,800 | 6,227 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8022% | 5,650 |
| Cost of funding earning assets | 1.5296% | 2,771 |
| Net interest margin | 3.2726% | 6,103 |
| Noninterest income to average assets | 0.3396% | 5,445 |
| Noninterest expense to average assets | 2.2930% | 6,350 |
| Loan and lease loss provision to assets | 0.0235% | 6,828 |
| Net operating income to assets | 0.9750% | 2,321 |
| Return on assets (ROA) | 0.9939% | 2,371 |
| Pretax return on assets | 1.0675% | 2,941 |
| Return on Equity (ROE) | 6.4872% | 3,584 |
| Retained earnings to average equity (ytd only) | 6.4872% | 2,099 |
| Net charge-offs to loans | 0.0118% | 6,501 |
| Credit loss provision to net charge-offs | 500.0000% | 580 |
| Earnings coverage of net charge-offs (x) | 227.9950% | 143 |
| Efficiency ratio | 68.1712% | 4,436 |
| Assets per employee ($millions) | 3.4231% | 5,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8598% | 6,864 |
| Loan loss allowance to noncurrent loans | 41.9971% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 1.0034% | 5,081 |
| Noncurrent loans to loans | 2.0473% | 3,623 |
| Net loans and leases to total assets | 37.0528% | 7,225 |
| Net loans and leases to deposits | 44.3055% | 7,227 |
| Net loans and leases to core deposits | 59.3197% | 6,652 |
| Total domestic deposits to total assets | 83.6303% | 4,306 |
| Equity capital to assets | 15.4393% | 783 |
| Core capital (leverage) ratio | 15.1442% | 686 |
| Tier 1 risk-based capital ratio | 28.6245% | 588 |
| Total risk-based capital ratio | 29.2499% | 608 |
| Memoranda: | ||
| Average total assets | $85,185,000 | 5,498 |
| Average earning assets | $78,712,000 | 5,454 |
| Average equity | $13,051,000 | 4,425 |
| Average total loans | $33,924,250 | 6,295 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9390% | 5,232 |
| Cost of funding earning assets | 1.5155% | 3,164 |
| Net interest margin | 3.4235% | 5,544 |
| Noninterest income to average assets | 0.3218% | 5,587 |
| Noninterest expense to average assets | 2.3024% | 6,345 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0009% | 2,201 |
| Return on assets (ROA) | 1.0273% | 2,171 |
| Pretax return on assets | 1.2108% | 2,382 |
| Return on Equity (ROE) | 6.7233% | 3,433 |
| Retained earnings to average equity (ytd only) | 6.7233% | 1,960 |
| Net charge-offs to loans | 0.0176% | 6,096 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 165.0000% | 215 |
| Efficiency ratio | 66.1191% | 4,962 |
| Assets per employee ($millions) | 3.2254% | 5,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7973% | 7,044 |
| Loan loss allowance to noncurrent loans | 39.7361% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 1.0661% | 5,005 |
| Noncurrent loans to loans | 2.0065% | 3,707 |
| Net loans and leases to total assets | 40.2087% | 7,150 |
| Net loans and leases to deposits | 48.1583% | 7,157 |
| Net loans and leases to core deposits | 65.1751% | 6,299 |
| Total domestic deposits to total assets | 83.4927% | 4,342 |
| Equity capital to assets | 15.7501% | 716 |
| Core capital (leverage) ratio | 15.2555% | 677 |
| Tier 1 risk-based capital ratio | 28.8174% | 578 |
| Total risk-based capital ratio | 29.4235% | 603 |
| Memoranda: | ||
| Average total assets | $83,913,330 | 5,564 |
| Average earning assets | $77,464,330 | 5,529 |
| Average equity | $12,821,000 | 4,477 |
| Average total loans | $34,144,670 | 6,325 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9567% | 5,206 |
| Cost of funding earning assets | 1.5506% | 3,261 |
| Net interest margin | 3.4061% | 5,553 |
| Noninterest income to average assets | 0.3050% | 5,703 |
| Noninterest expense to average assets | 2.4112% | 6,047 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8911% | 2,584 |
| Return on assets (ROA) | 0.8911% | 2,655 |
| Pretax return on assets | 1.0341% | 2,958 |
| Return on Equity (ROE) | 5.9236% | 3,912 |
| Retained earnings to average equity (ytd only) | 5.9236% | 2,655 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9862% | 4,299 |
| Assets per employee ($millions) | 3.2311% | 5,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8032% | 7,122 |
| Loan loss allowance to noncurrent loans | 6,850.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.2571% | 6,826 |
| Noncurrent loans to loans | 0.0117% | 7,388 |
| Net loans and leases to total assets | 40.2826% | 7,233 |
| Net loans and leases to deposits | 47.9246% | 7,240 |
| Net loans and leases to core deposits | 63.6660% | 6,477 |
| Total domestic deposits to total assets | 84.0541% | 4,121 |
| Equity capital to assets | 15.2531% | 819 |
| Core capital (leverage) ratio | 15.1211% | 731 |
| Tier 1 risk-based capital ratio | 29.2863% | 565 |
| Total risk-based capital ratio | 29.9210% | 584 |
| Memoranda: | ||
| Average total assets | $83,940,000 | 5,637 |
| Average earning assets | $77,390,000 | 5,589 |
| Average equity | $12,627,500 | 4,558 |
| Average total loans | $34,222,000 | 6,411 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9771% | 6,503 |
| Cost of funding earning assets | 1.7589% | 4,205 |
| Net interest margin | 3.2182% | 6,030 |
| Noninterest income to average assets | 0.3250% | 5,757 |
| Noninterest expense to average assets | 2.4813% | 6,203 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7301% | 2,813 |
| Return on assets (ROA) | 0.7325% | 2,881 |
| Pretax return on assets | 0.7463% | 3,423 |
| Return on Equity (ROE) | 4.7621% | 3,771 |
| Retained earnings to average equity (ytd only) | 3.7463% | 2,574 |
| Net charge-offs to loans | 0.0307% | 6,818 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 59.5000% | 450 |
| Efficiency ratio | 76.9380% | 3,368 |
| Assets per employee ($millions) | 3.2258% | 5,664 |
| Cash dividends to net income (ytd only)* | 21.3311% | 3,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7982% | 7,135 |
| Loan loss allowance to noncurrent loans | 351.2821% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 6,575 |
| Noncurrent loans to loans | 0.2272% | 6,866 |
| Net loans and leases to total assets | 40.6040% | 7,317 |
| Net loans and leases to deposits | 48.0223% | 7,357 |
| Net loans and leases to core deposits | 87.5743% | 5,375 |
| Total domestic deposits to total assets | 84.5525% | 3,773 |
| Equity capital to assets | 14.8335% | 945 |
| Core capital (leverage) ratio | 14.9651% | 796 |
| Tier 1 risk-based capital ratio | 27.3316% | 682 |
| Total risk-based capital ratio | 27.9329% | 705 |
| Memoranda: | ||
| Average total assets | $79,997,000 | 5,730 |
| Average earning assets | $72,090,400 | 5,748 |
| Average equity | $12,305,400 | 4,684 |
| Average total loans | $32,572,400 | 6,490 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9627% | 6,727 |
| Cost of funding earning assets | 1.7803% | 4,478 |
| Net interest margin | 3.1824% | 6,081 |
| Noninterest income to average assets | 0.3290% | 5,854 |
| Noninterest expense to average assets | 2.4058% | 6,398 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7525% | 3,013 |
| Return on assets (ROA) | 0.7525% | 3,074 |
| Pretax return on assets | 0.7761% | 3,609 |
| Return on Equity (ROE) | 4.8458% | 4,031 |
| Retained earnings to average equity (ytd only) | 4.8458% | 2,584 |
| Net charge-offs to loans | 0.0249% | 6,539 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 76.6650% | 445 |
| Efficiency ratio | 75.6098% | 3,572 |
| Assets per employee ($millions) | 3.2237% | 5,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8413% | 6,983 |
| Loan loss allowance to noncurrent loans | 1,208.6957% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 6,799 |
| Noncurrent loans to loans | 0.0696% | 7,325 |
| Net loans and leases to total assets | 39.0947% | 7,500 |
| Net loans and leases to deposits | 46.4827% | 7,552 |
| Net loans and leases to core deposits | 83.3007% | 6,090 |
| Total domestic deposits to total assets | 84.1058% | 3,675 |
| Equity capital to assets | 15.2630% | 934 |
| Core capital (leverage) ratio | 15.6456% | 736 |
| Tier 1 risk-based capital ratio | 28.1206% | 679 |
| Total risk-based capital ratio | 28.7490% | 694 |
| Memoranda: | ||
| Average total assets | $79,028,500 | 5,799 |
| Average earning assets | $70,847,250 | 5,820 |
| Average equity | $12,271,500 | 4,724 |
| Average total loans | $32,133,250 | 6,562 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0684% | 6,549 |
| Cost of funding earning assets | 1.7663% | 4,922 |
| Net interest margin | 3.3020% | 5,545 |
| Noninterest income to average assets | 0.2996% | 6,120 |
| Noninterest expense to average assets | 2.4770% | 6,193 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7129% | 3,200 |
| Return on assets (ROA) | 0.7129% | 3,306 |
| Pretax return on assets | 0.7439% | 3,851 |
| Return on Equity (ROE) | 4.5629% | 4,278 |
| Retained earnings to average equity (ytd only) | 4.5629% | 2,755 |
| Net charge-offs to loans | 0.0189% | 6,253 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 395 |
| Efficiency ratio | 76.9046% | 3,525 |
| Assets per employee ($millions) | 3.0346% | 6,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8607% | 6,937 |
| Loan loss allowance to noncurrent loans | 432.3077% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.4081% | 6,440 |
| Noncurrent loans to loans | 0.1991% | 7,018 |
| Net loans and leases to total assets | 41.0228% | 7,504 |
| Net loans and leases to deposits | 48.8367% | 7,534 |
| Net loans and leases to core deposits | 84.5688% | 6,042 |
| Total domestic deposits to total assets | 84.0000% | 3,773 |
| Equity capital to assets | 15.3942% | 949 |
| Core capital (leverage) ratio | 15.9477% | 750 |
| Tier 1 risk-based capital ratio | 28.5024% | 684 |
| Total risk-based capital ratio | 29.1551% | 707 |
| Memoranda: | ||
| Average total assets | $77,432,330 | 5,882 |
| Average earning assets | $68,503,330 | 5,937 |
| Average equity | $12,097,670 | 4,787 |
| Average total loans | $31,829,000 | 6,623 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1706% | 6,409 |
| Cost of funding earning assets | 1.7917% | 5,153 |
| Net interest margin | 3.3789% | 5,218 |
| Noninterest income to average assets | 0.2295% | 6,625 |
| Noninterest expense to average assets | 2.6389% | 5,277 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4746% | 4,544 |
| Return on assets (ROA) | 0.4746% | 4,736 |
| Pretax return on assets | 0.5215% | 5,015 |
| Return on Equity (ROE) | 3.0149% | 5,365 |
| Retained earnings to average equity (ytd only) | 3.0149% | 4,198 |
| Net charge-offs to loans | 0.0127% | 5,429 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 100.0000% | 433 |
| Efficiency ratio | 83.4983% | 2,356 |
| Assets per employee ($millions) | 2.7839% | 6,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8902% | 6,795 |
| Loan loss allowance to noncurrent loans | 4,042.8571% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 7,086 |
| Noncurrent loans to loans | 0.0220% | 7,489 |
| Net loans and leases to total assets | 40.4182% | 7,543 |
| Net loans and leases to deposits | 48.1890% | 7,570 |
| Net loans and leases to core deposits | 80.2905% | 6,362 |
| Total domestic deposits to total assets | 83.8743% | 3,763 |
| Equity capital to assets | 15.5061% | 963 |
| Core capital (leverage) ratio | 16.1032% | 771 |
| Tier 1 risk-based capital ratio | 29.5426% | 649 |
| Total risk-based capital ratio | 30.2344% | 673 |
| Memoranda: | ||
| Average total assets | $76,698,500 | 5,923 |
| Average earning assets | $66,530,000 | 6,022 |
| Average equity | $12,073,500 | 4,814 |
| Average total loans | $31,419,500 | 6,680 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6304% | 6,987 |
| Cost of funding earning assets | 2.0659% | 6,179 |
| Net interest margin | 3.5644% | 5,044 |
| Noninterest income to average assets | 0.3941% | 5,520 |
| Noninterest expense to average assets | 2.5856% | 5,702 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9742% | 2,669 |
| Return on assets (ROA) | 0.9742% | 2,549 |
| Pretax return on assets | 0.9867% | 3,428 |
| Return on Equity (ROE) | 6.0029% | 3,939 |
| Retained earnings to average equity (ytd only) | 4.9264% | 2,072 |
| Net charge-offs to loans | 0.1251% | 4,988 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 18.1026% | 1,726 |
| Efficiency ratio | 72.3787% | 3,865 |
| Assets per employee ($millions) | 2.6945% | 6,800 |
| Cash dividends to net income (ytd only)* | 17.9340% | 4,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9147% | 6,594 |
| Loan loss allowance to noncurrent loans | 2,028.5714% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 6,756 |
| Noncurrent loans to loans | 0.0451% | 7,326 |
| Net loans and leases to total assets | 40.7783% | 7,636 |
| Net loans and leases to deposits | 48.9180% | 7,675 |
| Net loans and leases to core deposits | 79.6077% | 6,645 |
| Total domestic deposits to total assets | 83.3605% | 3,631 |
| Equity capital to assets | 15.9847% | 939 |
| Core capital (leverage) ratio | 16.2195% | 793 |
| Tier 1 risk-based capital ratio | 30.8829% | 598 |
| Total risk-based capital ratio | 31.6142% | 604 |
| Memoranda: | ||
| Average total assets | $71,548,800 | 5,983 |
| Average earning assets | $63,796,800 | 6,024 |
| Average equity | $11,611,000 | 4,938 |
| Average total loans | $31,182,800 | 6,643 |