Home > Country Bank > Performance and Condition Ratios
Country Bank, 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 | 3.6880% | 4,336 |
| Cost of funding earning assets | 0.1033% | 5,838 |
| Net interest margin | 3.5848% | 3,160 |
| Noninterest income to average assets | 0.4404% | 3,586 |
| Noninterest expense to average assets | 2.5785% | 3,796 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1613% | 1,732 |
| Return on assets (ROA) | 1.1613% | 1,839 |
| Pretax return on assets | 1.1613% | 2,940 |
| Return on Equity (ROE) | 11.3649% | 1,525 |
| Retained earnings to average equity (ytd only) | 0.9302% | 5,020 |
| Net charge-offs to loans | -0.1496% | 5,739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9482% | 3,165 |
| Assets per employee ($millions) | 4.6248% | 2,833 |
| Cash dividends to net income (ytd only)* | 91.8152% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7703% | 1,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2125% | 4,646 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 48.2465% | 4,973 |
| Net loans and leases to deposits | 53.9205% | 5,139 |
| Net loans and leases to core deposits | 54.1538% | 5,271 |
| Total domestic deposits to total assets | 89.4771% | 696 |
| Equity capital to assets | 10.2169% | 3,954 |
| Core capital (leverage) ratio | 9.9475% | 3,624 |
| Tier 1 risk-based capital ratio | 16.3558% | 2,481 |
| Total risk-based capital ratio | 17.6081% | 2,426 |
| Memoranda: | ||
| Average total assets | $212,526,670 | 2,864 |
| Average earning assets | $195,606,330 | 2,864 |
| Average equity | $21,716,000 | 3,039 |
| Average total loans | $106,957,000 | 3,288 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6171% | 4,576 |
| Cost of funding earning assets | 0.1036% | 5,903 |
| Net interest margin | 3.5135% | 3,413 |
| Noninterest income to average assets | 0.4112% | 3,740 |
| Noninterest expense to average assets | 2.6748% | 3,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9652% | 2,435 |
| Return on assets (ROA) | 0.9652% | 2,545 |
| Pretax return on assets | 0.9652% | 3,595 |
| Return on Equity (ROE) | 9.4457% | 2,216 |
| Retained earnings to average equity (ytd only) | -11.6628% | 5,855 |
| Net charge-offs to loans | -0.0112% | 4,577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4833% | 2,559 |
| Assets per employee ($millions) | 4.4730% | 3,120 |
| Cash dividends to net income (ytd only)* | 223.4714% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6680% | 1,433 |
| Loan loss allowance to noncurrent loans | 424.5902% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4271% | 3,880 |
| Noncurrent loans to loans | 0.3928% | 4,032 |
| Net loans and leases to total assets | 49.7806% | 4,825 |
| Net loans and leases to deposits | 55.4282% | 5,017 |
| Net loans and leases to core deposits | 55.6698% | 5,151 |
| Total domestic deposits to total assets | 89.8111% | 672 |
| Equity capital to assets | 9.9467% | 4,147 |
| Core capital (leverage) ratio | 10.0306% | 3,503 |
| Tier 1 risk-based capital ratio | 15.8392% | 2,763 |
| Total risk-based capital ratio | 17.0909% | 2,693 |
| Memoranda: | ||
| Average total assets | $210,107,500 | 2,893 |
| Average earning assets | $193,085,000 | 2,900 |
| Average equity | $21,470,000 | 3,068 |
| Average total loans | $107,055,000 | 3,292 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6759% | 4,438 |
| Cost of funding earning assets | 0.1108% | 5,922 |
| Net interest margin | 3.5652% | 3,261 |
| Noninterest income to average assets | 0.4882% | 3,406 |
| Noninterest expense to average assets | 2.5917% | 3,954 |
| Loan and lease loss provision to assets | -0.0046% | 5,607 |
| Net operating income to assets | 1.1488% | 1,736 |
| Return on assets (ROA) | 1.1488% | 1,808 |
| Pretax return on assets | 1.1488% | 2,847 |
| Return on Equity (ROE) | 10.9586% | 1,630 |
| Retained earnings to average equity (ytd only) | 7.5056% | 1,095 |
| Net charge-offs to loans | -0.1323% | 5,853 |
| Credit loss provision to net charge-offs | 6.6176% | 3,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3717% | 3,326 |
| Assets per employee ($millions) | 4.1941% | 3,574 |
| Cash dividends to net income (ytd only)* | 31.5093% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7170% | 1,318 |
| Loan loss allowance to noncurrent loans | 417.0507% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 3,815 |
| Noncurrent loans to loans | 0.4117% | 3,975 |
| Net loans and leases to total assets | 50.4138% | 4,834 |
| Net loans and leases to deposits | 56.4921% | 5,014 |
| Net loans and leases to core deposits | 56.7508% | 5,165 |
| Total domestic deposits to total assets | 89.2405% | 1,004 |
| Equity capital to assets | 10.5026% | 3,357 |
| Core capital (leverage) ratio | 10.5362% | 2,893 |
| Tier 1 risk-based capital ratio | 16.5660% | 2,447 |
| Total risk-based capital ratio | 17.8174% | 2,401 |
| Memoranda: | ||
| Average total assets | $197,242,200 | 2,974 |
| Average earning assets | $179,682,600 | 3,003 |
| Average equity | $20,677,800 | 3,108 |
| Average total loans | $102,762,400 | 3,339 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6544% | 4,562 |
| Cost of funding earning assets | 0.1119% | 6,009 |
| Net interest margin | 3.5425% | 3,371 |
| Noninterest income to average assets | 0.4748% | 3,538 |
| Noninterest expense to average assets | 2.4859% | 4,240 |
| Loan and lease loss provision to assets | -0.0061% | 5,806 |
| Net operating income to assets | 1.2173% | 1,592 |
| Return on assets (ROA) | 1.2173% | 1,657 |
| Pretax return on assets | 1.2173% | 2,746 |
| Return on Equity (ROE) | 11.6176% | 1,492 |
| Retained earnings to average equity (ytd only) | 6.9627% | 1,706 |
| Net charge-offs to loans | -0.1084% | 5,815 |
| Credit loss provision to net charge-offs | 10.8434% | 3,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2395% | 3,671 |
| Assets per employee ($millions) | 4.2864% | 3,340 |
| Cash dividends to net income (ytd only)* | 40.0675% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6748% | 1,538 |
| Loan loss allowance to noncurrent loans | 381.1280% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.4884% | 3,860 |
| Noncurrent loans to loans | 0.4394% | 4,031 |
| Net loans and leases to total assets | 51.2002% | 4,832 |
| Net loans and leases to deposits | 57.4234% | 5,043 |
| Net loans and leases to core deposits | 57.6980% | 5,207 |
| Total domestic deposits to total assets | 89.1627% | 939 |
| Equity capital to assets | 10.5762% | 3,511 |
| Core capital (leverage) ratio | 10.4643% | 3,082 |
| Tier 1 risk-based capital ratio | 16.5057% | 2,573 |
| Total risk-based capital ratio | 17.7575% | 2,537 |
| Memoranda: | ||
| Average total assets | $195,175,000 | 3,020 |
| Average earning assets | $177,532,750 | 3,051 |
| Average equity | $20,451,250 | 3,158 |
| Average total loans | $102,099,000 | 3,384 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6425% | 4,600 |
| Cost of funding earning assets | 0.1119% | 6,083 |
| Net interest margin | 3.5307% | 3,376 |
| Noninterest income to average assets | 0.4651% | 3,594 |
| Noninterest expense to average assets | 2.4622% | 4,360 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2068% | 1,578 |
| Return on assets (ROA) | 1.2068% | 1,662 |
| Pretax return on assets | 1.2068% | 2,754 |
| Return on Equity (ROE) | 11.5541% | 1,509 |
| Retained earnings to average equity (ytd only) | 4.4729% | 3,168 |
| Net charge-offs to loans | -0.1582% | 5,950 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1090% | 3,810 |
| Assets per employee ($millions) | 4.1574% | 3,557 |
| Cash dividends to net income (ytd only)* | 61.2876% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 1,536 |
| Loan loss allowance to noncurrent loans | 257.3723% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.6730% | 3,382 |
| Noncurrent loans to loans | 0.6727% | 3,462 |
| Net loans and leases to total assets | 50.1461% | 4,917 |
| Net loans and leases to deposits | 56.0398% | 5,115 |
| Net loans and leases to core deposits | 56.3890% | 5,284 |
| Total domestic deposits to total assets | 89.4830% | 906 |
| Equity capital to assets | 10.2629% | 3,735 |
| Core capital (leverage) ratio | 10.5031% | 2,949 |
| Tier 1 risk-based capital ratio | 16.4486% | 2,632 |
| Total risk-based capital ratio | 17.7006% | 2,591 |
| Memoranda: | ||
| Average total assets | $193,079,330 | 3,064 |
| Average earning assets | $175,207,330 | 3,092 |
| Average equity | $20,166,000 | 3,203 |
| Average total loans | $101,163,330 | 3,418 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6118% | 4,652 |
| Cost of funding earning assets | 0.1132% | 6,141 |
| Net interest margin | 3.4986% | 3,443 |
| Noninterest income to average assets | 0.4846% | 3,392 |
| Noninterest expense to average assets | 2.5031% | 4,253 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1715% | 1,630 |
| Return on assets (ROA) | 1.1715% | 1,735 |
| Pretax return on assets | 1.1715% | 2,774 |
| Return on Equity (ROE) | 11.1150% | 1,604 |
| Retained earnings to average equity (ytd only) | -3.1586% | 5,804 |
| Net charge-offs to loans | -0.3094% | 6,153 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1193% | 3,807 |
| Assets per employee ($millions) | 3.8363% | 4,279 |
| Cash dividends to net income (ytd only)* | 128.4173% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7509% | 1,612 |
| Loan loss allowance to noncurrent loans | 210.6459% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.8560% | 2,937 |
| Noncurrent loans to loans | 0.8312% | 3,161 |
| Net loans and leases to total assets | 51.5158% | 4,702 |
| Net loans and leases to deposits | 57.6621% | 4,939 |
| Net loans and leases to core deposits | 58.0363% | 5,122 |
| Total domestic deposits to total assets | 89.3408% | 1,075 |
| Equity capital to assets | 10.4179% | 3,627 |
| Core capital (leverage) ratio | 10.4694% | 3,010 |
| Tier 1 risk-based capital ratio | 16.2631% | 2,792 |
| Total risk-based capital ratio | 17.3170% | 2,823 |
| Memoranda: | ||
| Average total assets | $189,842,500 | 3,122 |
| Average earning assets | $173,097,000 | 3,136 |
| Average equity | $20,009,000 | 3,239 |
| Average total loans | $100,829,500 | 3,438 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7096% | 4,754 |
| Cost of funding earning assets | 0.1278% | 6,210 |
| Net interest margin | 3.5818% | 3,468 |
| Noninterest income to average assets | 0.4409% | 3,892 |
| Noninterest expense to average assets | 2.7477% | 3,685 |
| Loan and lease loss provision to assets | -0.0305% | 5,969 |
| Net operating income to assets | 0.9918% | 2,422 |
| Return on assets (ROA) | 0.9918% | 2,499 |
| Pretax return on assets | 0.9918% | 3,529 |
| Return on Equity (ROE) | 9.2998% | 2,438 |
| Retained earnings to average equity (ytd only) | 6.6754% | 1,558 |
| Net charge-offs to loans | -0.3196% | 6,342 |
| Credit loss provision to net charge-offs | 17.3502% | 4,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0829% | 2,820 |
| Assets per employee ($millions) | 3.9140% | 4,126 |
| Cash dividends to net income (ytd only)* | 28.2195% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6650% | 1,880 |
| Loan loss allowance to noncurrent loans | 197.7673% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.8820% | 3,002 |
| Noncurrent loans to loans | 0.8419% | 3,212 |
| Net loans and leases to total assets | 52.9089% | 4,701 |
| Net loans and leases to deposits | 59.3727% | 4,955 |
| Net loans and leases to core deposits | 59.7665% | 5,157 |
| Total domestic deposits to total assets | 89.1132% | 1,168 |
| Equity capital to assets | 10.6643% | 3,282 |
| Core capital (leverage) ratio | 10.6176% | 2,815 |
| Tier 1 risk-based capital ratio | 16.9881% | 2,521 |
| Total risk-based capital ratio | 18.2407% | 2,479 |
| Memoranda: | ||
| Average total assets | $180,075,800 | 3,204 |
| Average earning assets | $164,304,800 | 3,228 |
| Average equity | $19,204,800 | 3,260 |
| Average total loans | $99,177,600 | 3,445 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7339% | 4,761 |
| Cost of funding earning assets | 0.1305% | 6,287 |
| Net interest margin | 3.6034% | 3,413 |
| Noninterest income to average assets | 0.4371% | 3,975 |
| Noninterest expense to average assets | 2.5846% | 4,242 |
| Loan and lease loss provision to assets | 0.0749% | 2,848 |
| Net operating income to assets | 1.0636% | 2,178 |
| Return on assets (ROA) | 1.0636% | 2,246 |
| Pretax return on assets | 1.0636% | 3,326 |
| Return on Equity (ROE) | 9.9731% | 2,232 |
| Retained earnings to average equity (ytd only) | 6.4359% | 2,147 |
| Net charge-offs to loans | -0.1756% | 6,282 |
| Credit loss provision to net charge-offs | -76.9231% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4210% | 3,606 |
| Assets per employee ($millions) | 3.8180% | 4,252 |
| Cash dividends to net income (ytd only)* | 35.4678% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6698% | 2,070 |
| Loan loss allowance to noncurrent loans | 176.0128% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 1.1208% | 2,712 |
| Noncurrent loans to loans | 0.9487% | 3,187 |
| Net loans and leases to total assets | 53.0519% | 4,690 |
| Net loans and leases to deposits | 59.5484% | 4,980 |
| Net loans and leases to core deposits | 59.9600% | 5,191 |
| Total domestic deposits to total assets | 89.0905% | 1,183 |
| Equity capital to assets | 10.7327% | 3,253 |
| Core capital (leverage) ratio | 10.7276% | 2,787 |
| Tier 1 risk-based capital ratio | 17.0213% | 2,612 |
| Total risk-based capital ratio | 18.2736% | 2,564 |
| Memoranda: | ||
| Average total assets | $178,127,250 | 3,254 |
| Average earning assets | $162,436,250 | 3,278 |
| Average equity | $18,997,250 | 3,302 |
| Average total loans | $98,701,250 | 3,467 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6951% | 4,876 |
| Cost of funding earning assets | 0.1333% | 6,344 |
| Net interest margin | 3.5618% | 3,521 |
| Noninterest income to average assets | 0.4240% | 4,060 |
| Noninterest expense to average assets | 2.5667% | 4,363 |
| Loan and lease loss provision to assets | 0.1134% | 2,137 |
| Net operating income to assets | 0.9852% | 2,382 |
| Return on assets (ROA) | 0.9852% | 2,461 |
| Pretax return on assets | 0.9852% | 3,534 |
| Return on Equity (ROE) | 9.2578% | 2,477 |
| Retained earnings to average equity (ytd only) | 3.8885% | 3,706 |
| Net charge-offs to loans | 0.0933% | 2,745 |
| Credit loss provision to net charge-offs | 217.3913% | 1,093 |
| Earnings coverage of net charge-offs (x) | 21.0652% | 1,561 |
| Efficiency ratio | 70.0278% | 3,656 |
| Assets per employee ($millions) | 3.8370% | 4,184 |
| Cash dividends to net income (ytd only)* | 57.9977% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 3,117 |
| Loan loss allowance to noncurrent loans | 123.7416% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 1.1889% | 2,705 |
| Noncurrent loans to loans | 1.1700% | 2,885 |
| Net loans and leases to total assets | 55.6746% | 4,329 |
| Net loans and leases to deposits | 62.3854% | 4,654 |
| Net loans and leases to core deposits | 62.8226% | 4,915 |
| Total domestic deposits to total assets | 89.2430% | 1,224 |
| Equity capital to assets | 10.5984% | 3,315 |
| Core capital (leverage) ratio | 10.6920% | 2,730 |
| Tier 1 risk-based capital ratio | 16.1086% | 3,037 |
| Total risk-based capital ratio | 17.3593% | 2,979 |
| Memoranda: | ||
| Average total assets | $176,415,670 | 3,289 |
| Average earning assets | $160,539,000 | 3,316 |
| Average equity | $18,773,330 | 3,316 |
| Average total loans | $98,643,330 | 3,481 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6328% | 5,059 |
| Cost of funding earning assets | 0.1386% | 6,409 |
| Net interest margin | 3.4942% | 3,725 |
| Noninterest income to average assets | 0.4035% | 4,157 |
| Noninterest expense to average assets | 2.7239% | 3,854 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8598% | 2,856 |
| Return on assets (ROA) | 0.8598% | 2,920 |
| Pretax return on assets | 0.8598% | 3,862 |
| Return on Equity (ROE) | 8.0630% | 2,892 |
| Retained earnings to average equity (ytd only) | -2.7737% | 5,943 |
| Net charge-offs to loans | 0.2556% | 1,306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.0484% | 2,288 |
| Efficiency ratio | 76.0077% | 2,807 |
| Assets per employee ($millions) | 3.6106% | 4,693 |
| Cash dividends to net income (ytd only)* | 134.4000% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 3,721 |
| Loan loss allowance to noncurrent loans | 113.5338% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 1.1779% | 2,900 |
| Noncurrent loans to loans | 1.2106% | 3,023 |
| Net loans and leases to total assets | 55.1187% | 4,267 |
| Net loans and leases to deposits | 61.6799% | 4,588 |
| Net loans and leases to core deposits | 62.2207% | 4,859 |
| Total domestic deposits to total assets | 89.3624% | 1,438 |
| Equity capital to assets | 10.4884% | 3,255 |
| Core capital (leverage) ratio | 10.6345% | 2,775 |
| Tier 1 risk-based capital ratio | 15.9612% | 3,188 |
| Total risk-based capital ratio | 17.1526% | 3,175 |
| Memoranda: | ||
| Average total assets | $174,454,000 | 3,339 |
| Average earning assets | $158,777,000 | 3,361 |
| Average equity | $18,603,500 | 3,339 |
| Average total loans | $97,026,000 | 3,533 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5923% | 5,423 |
| Cost of funding earning assets | 0.1675% | 6,455 |
| Net interest margin | 3.4248% | 4,183 |
| Noninterest income to average assets | 0.4264% | 4,260 |
| Noninterest expense to average assets | 2.8168% | 3,669 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7384% | 3,615 |
| Return on assets (ROA) | 0.7384% | 3,696 |
| Pretax return on assets | 0.7384% | 4,385 |
| Return on Equity (ROE) | 6.9538% | 3,582 |
| Retained earnings to average equity (ytd only) | 5.1035% | 2,521 |
| Net charge-offs to loans | 0.4934% | 1,346 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.7670% | 4,081 |
| Efficiency ratio | 79.2313% | 2,278 |
| Assets per employee ($millions) | 3.5831% | 4,727 |
| Cash dividends to net income (ytd only)* | 26.6084% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4930% | 3,230 |
| Loan loss allowance to noncurrent loans | 115.9054% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 1.1908% | 3,020 |
| Noncurrent loans to loans | 1.2881% | 2,980 |
| Net loans and leases to total assets | 54.5131% | 4,526 |
| Net loans and leases to deposits | 61.2576% | 4,798 |
| Net loans and leases to core deposits | 62.0794% | 5,047 |
| Total domestic deposits to total assets | 88.9899% | 1,637 |
| Equity capital to assets | 10.8444% | 2,765 |
| Core capital (leverage) ratio | 10.6598% | 2,721 |
| Tier 1 risk-based capital ratio | 16.4930% | 2,859 |
| Total risk-based capital ratio | 17.7429% | 2,820 |
| Memoranda: | ||
| Average total assets | $170,512,200 | 3,402 |
| Average earning assets | $155,776,600 | 3,403 |
| Average equity | $18,105,200 | 3,400 |
| Average total loans | $92,224,600 | 3,637 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5718% | 5,520 |
| Cost of funding earning assets | 0.1698% | 6,553 |
| Net interest margin | 3.4019% | 4,279 |
| Noninterest income to average assets | 0.4553% | 4,121 |
| Noninterest expense to average assets | 2.7897% | 3,696 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7734% | 3,492 |
| Return on assets (ROA) | 0.7734% | 3,620 |
| Pretax return on assets | 0.7734% | 4,405 |
| Return on Equity (ROE) | 7.3237% | 3,475 |
| Retained earnings to average equity (ytd only) | 4.8379% | 3,206 |
| Net charge-offs to loans | 0.4328% | 1,482 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.3232% | 3,740 |
| Efficiency ratio | 78.2934% | 2,375 |
| Assets per employee ($millions) | 3.6350% | 4,587 |
| Cash dividends to net income (ytd only)* | 33.9415% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7215% | 2,553 |
| Loan loss allowance to noncurrent loans | 119.2598% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 1.3451% | 2,951 |
| Noncurrent loans to loans | 1.4435% | 2,997 |
| Net loans and leases to total assets | 51.6647% | 4,917 |
| Net loans and leases to deposits | 57.9347% | 5,202 |
| Net loans and leases to core deposits | 58.9099% | 5,374 |
| Total domestic deposits to total assets | 89.1775% | 1,464 |
| Equity capital to assets | 10.5537% | 3,213 |
| Core capital (leverage) ratio | 10.4927% | 3,010 |
| Tier 1 risk-based capital ratio | 16.9297% | 2,740 |
| Total risk-based capital ratio | 18.1829% | 2,701 |
| Memoranda: | ||
| Average total assets | $170,143,250 | 3,441 |
| Average earning assets | $155,437,250 | 3,448 |
| Average equity | $17,968,750 | 3,462 |
| Average total loans | $91,486,500 | 3,678 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5938% | 5,453 |
| Cost of funding earning assets | 0.1701% | 6,626 |
| Net interest margin | 3.4237% | 4,096 |
| Noninterest income to average assets | 0.4873% | 3,916 |
| Noninterest expense to average assets | 2.8370% | 3,558 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7765% | 3,424 |
| Return on assets (ROA) | 0.7765% | 3,580 |
| Pretax return on assets | 0.7765% | 4,405 |
| Return on Equity (ROE) | 7.3512% | 3,418 |
| Retained earnings to average equity (ytd only) | 3.5914% | 4,032 |
| Net charge-offs to loans | 0.4660% | 1,415 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.0751% | 3,503 |
| Efficiency ratio | 78.5105% | 2,378 |
| Assets per employee ($millions) | 3.7125% | 4,377 |
| Cash dividends to net income (ytd only)* | 51.1450% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8092% | 2,408 |
| Loan loss allowance to noncurrent loans | 130.8419% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 1.3331% | 3,106 |
| Noncurrent loans to loans | 1.3827% | 3,233 |
| Net loans and leases to total assets | 51.7271% | 4,903 |
| Net loans and leases to deposits | 57.8686% | 5,169 |
| Net loans and leases to core deposits | 58.7431% | 5,365 |
| Total domestic deposits to total assets | 89.3872% | 1,388 |
| Equity capital to assets | 10.3412% | 3,502 |
| Core capital (leverage) ratio | 10.5769% | 2,794 |
| Tier 1 risk-based capital ratio | 16.6727% | 2,849 |
| Total risk-based capital ratio | 17.9267% | 2,823 |
| Memoranda: | ||
| Average total assets | $168,698,000 | 3,487 |
| Average earning assets | $154,044,330 | 3,489 |
| Average equity | $17,820,330 | 3,513 |
| Average total loans | $91,407,670 | 3,690 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6375% | 5,342 |
| Cost of funding earning assets | 0.1696% | 6,731 |
| Net interest margin | 3.4680% | 3,827 |
| Noninterest income to average assets | 0.4704% | 3,992 |
| Noninterest expense to average assets | 2.9553% | 3,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6731% | 3,828 |
| Return on assets (ROA) | 0.6731% | 3,985 |
| Pretax return on assets | 0.6731% | 4,694 |
| Return on Equity (ROE) | 6.3021% | 3,880 |
| Retained earnings to average equity (ytd only) | 6.3021% | 2,507 |
| Net charge-offs to loans | 0.5661% | 1,073 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.1628% | 3,112 |
| Efficiency ratio | 81.4495% | 2,122 |
| Assets per employee ($millions) | 3.5659% | 4,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9105% | 2,275 |
| Loan loss allowance to noncurrent loans | 121.1512% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 1.4899% | 3,027 |
| Noncurrent loans to loans | 1.5770% | 3,167 |
| Net loans and leases to total assets | 53.5180% | 4,487 |
| Net loans and leases to deposits | 60.0587% | 4,791 |
| Net loans and leases to core deposits | 60.7251% | 5,076 |
| Total domestic deposits to total assets | 89.1095% | 1,622 |
| Equity capital to assets | 10.6619% | 3,362 |
| Core capital (leverage) ratio | 10.7951% | 2,460 |
| Tier 1 risk-based capital ratio | 16.7844% | 2,868 |
| Total risk-based capital ratio | 18.0399% | 2,831 |
| Memoranda: | ||
| Average total assets | $165,803,500 | 3,567 |
| Average earning assets | $150,982,000 | 3,575 |
| Average equity | $17,708,500 | 3,563 |
| Average total loans | $91,151,500 | 3,718 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1707% | 4,688 |
| Cost of funding earning assets | 0.2382% | 6,718 |
| Net interest margin | 3.9326% | 2,683 |
| Noninterest income to average assets | 0.4824% | 4,024 |
| Noninterest expense to average assets | 3.0626% | 3,037 |
| Loan and lease loss provision to assets | 0.4579% | 1,374 |
| Net operating income to assets | 0.5251% | 4,580 |
| Return on assets (ROA) | 0.5251% | 4,848 |
| Pretax return on assets | 0.5251% | 5,207 |
| Return on Equity (ROE) | 4.8505% | 4,751 |
| Retained earnings to average equity (ytd only) | 3.3380% | 3,873 |
| Net charge-offs to loans | 1.0384% | 1,036 |
| Credit loss provision to net charge-offs | 74.4898% | 4,024 |
| Earnings coverage of net charge-offs (x) | 1.5990% | 4,645 |
| Efficiency ratio | 75.7017% | 2,800 |
| Assets per employee ($millions) | 3.6447% | 4,682 |
| Cash dividends to net income (ytd only)* | 31.1828% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0647% | 1,846 |
| Loan loss allowance to noncurrent loans | 113.3535% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 1.6798% | 2,878 |
| Noncurrent loans to loans | 1.8214% | 2,886 |
| Net loans and leases to total assets | 54.2561% | 4,588 |
| Net loans and leases to deposits | 60.9109% | 4,924 |
| Net loans and leases to core deposits | 61.7337% | 5,182 |
| Total domestic deposits to total assets | 89.0745% | 1,509 |
| Equity capital to assets | 10.6993% | 3,287 |
| Core capital (leverage) ratio | 10.6806% | 2,567 |
| Tier 1 risk-based capital ratio | 16.5213% | 2,872 |
| Total risk-based capital ratio | 17.7784% | 2,847 |
| Memoranda: | ||
| Average total assets | $159,407,600 | 3,629 |
| Average earning assets | $144,434,600 | 3,655 |
| Average equity | $17,255,800 | 3,580 |
| Average total loans | $94,375,000 | 3,652 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2652% | 4,593 |
| Cost of funding earning assets | 0.2588% | 6,775 |
| Net interest margin | 4.0063% | 2,481 |
| Noninterest income to average assets | 0.4794% | 4,068 |
| Noninterest expense to average assets | 2.9049% | 3,580 |
| Loan and lease loss provision to assets | 0.5139% | 1,183 |
| Net operating income to assets | 0.6858% | 3,977 |
| Return on assets (ROA) | 0.6858% | 4,234 |
| Pretax return on assets | 0.6858% | 4,907 |
| Return on Equity (ROE) | 6.3163% | 4,162 |
| Retained earnings to average equity (ytd only) | 4.2910% | 3,867 |
| Net charge-offs to loans | 1.2122% | 800 |
| Credit loss provision to net charge-offs | 70.4388% | 3,890 |
| Earnings coverage of net charge-offs (x) | 1.6443% | 4,455 |
| Efficiency ratio | 70.7718% | 3,540 |
| Assets per employee ($millions) | 3.6020% | 4,750 |
| Cash dividends to net income (ytd only)* | 32.0637% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0177% | 2,116 |
| Loan loss allowance to noncurrent loans | 110.3245% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 1.7768% | 2,946 |
| Noncurrent loans to loans | 1.8288% | 3,035 |
| Net loans and leases to total assets | 56.0257% | 4,449 |
| Net loans and leases to deposits | 62.9476% | 4,850 |
| Net loans and leases to core deposits | 64.1287% | 5,134 |
| Total domestic deposits to total assets | 89.0036% | 1,421 |
| Equity capital to assets | 10.7823% | 3,526 |
| Core capital (leverage) ratio | 10.7958% | 2,609 |
| Tier 1 risk-based capital ratio | 16.1447% | 3,197 |
| Total risk-based capital ratio | 17.4010% | 3,163 |
| Memoranda: | ||
| Average total assets | $158,256,750 | 3,685 |
| Average earning assets | $143,202,750 | 3,713 |
| Average equity | $17,182,750 | 3,626 |
| Average total loans | $95,253,250 | 3,672 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3470% | 4,387 |
| Cost of funding earning assets | 0.2664% | 6,846 |
| Net interest margin | 4.0806% | 2,163 |
| Noninterest income to average assets | 0.4778% | 4,075 |
| Noninterest expense to average assets | 2.8195% | 3,939 |
| Loan and lease loss provision to assets | 0.4969% | 1,280 |
| Net operating income to assets | 0.8498% | 3,146 |
| Return on assets (ROA) | 0.8498% | 3,418 |
| Pretax return on assets | 0.8498% | 4,278 |
| Return on Equity (ROE) | 7.8082% | 3,344 |
| Retained earnings to average equity (ytd only) | 4.7528% | 3,443 |
| Net charge-offs to loans | 0.9239% | 1,196 |
| Credit loss provision to net charge-offs | 87.8378% | 3,109 |
| Earnings coverage of net charge-offs (x) | 2.3806% | 3,807 |
| Efficiency ratio | 67.6758% | 4,193 |
| Assets per employee ($millions) | 3.6271% | 4,690 |
| Cash dividends to net income (ytd only)* | 39.1304% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1792% | 1,820 |
| Loan loss allowance to noncurrent loans | 119.0805% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 2.0822% | 2,685 |
| Noncurrent loans to loans | 1.8300% | 3,178 |
| Net loans and leases to total assets | 58.2796% | 4,114 |
| Net loans and leases to deposits | 65.5127% | 4,573 |
| Net loans and leases to core deposits | 66.8163% | 4,914 |
| Total domestic deposits to total assets | 88.9593% | 1,531 |
| Equity capital to assets | 10.8534% | 3,291 |
| Core capital (leverage) ratio | 10.8182% | 2,462 |
| Tier 1 risk-based capital ratio | 15.8631% | 3,233 |
| Total risk-based capital ratio | 17.1217% | 3,198 |
| Memoranda: | ||
| Average total assets | $156,979,000 | 3,715 |
| Average earning assets | $141,890,330 | 3,753 |
| Average equity | $17,084,670 | 3,628 |
| Average total loans | $96,110,330 | 3,665 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4328% | 4,188 |
| Cost of funding earning assets | 0.2730% | 6,930 |
| Net interest margin | 4.1599% | 1,896 |
| Noninterest income to average assets | 0.5524% | 3,546 |
| Noninterest expense to average assets | 2.9035% | 3,609 |
| Loan and lease loss provision to assets | 0.7066% | 738 |
| Net operating income to assets | 0.7015% | 3,876 |
| Return on assets (ROA) | 0.7015% | 4,091 |
| Pretax return on assets | 0.7015% | 4,784 |
| Return on Equity (ROE) | 6.4362% | 4,073 |
| Retained earnings to average equity (ytd only) | 0.2829% | 5,894 |
| Net charge-offs to loans | 0.9563% | 1,084 |
| Credit loss provision to net charge-offs | 119.0476% | 1,996 |
| Earnings coverage of net charge-offs (x) | 2.3723% | 3,226 |
| Efficiency ratio | 67.3421% | 4,295 |
| Assets per employee ($millions) | 3.6510% | 4,762 |
| Cash dividends to net income (ytd only)* | 95.6044% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2310% | 1,825 |
| Loan loss allowance to noncurrent loans | 116.1670% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 2.0695% | 2,806 |
| Noncurrent loans to loans | 1.9205% | 3,259 |
| Net loans and leases to total assets | 60.5721% | 3,537 |
| Net loans and leases to deposits | 68.0317% | 4,052 |
| Net loans and leases to core deposits | 69.4046% | 4,516 |
| Total domestic deposits to total assets | 89.0352% | 1,676 |
| Equity capital to assets | 10.7986% | 3,150 |
| Core capital (leverage) ratio | 10.9291% | 2,315 |
| Tier 1 risk-based capital ratio | 15.0657% | 3,714 |
| Total risk-based capital ratio | 16.3246% | 3,665 |
| Memoranda: | ||
| Average total assets | $155,673,000 | 3,765 |
| Average earning assets | $140,677,500 | 3,798 |
| Average equity | $16,966,500 | 3,653 |
| Average total loans | $96,625,000 | 3,670 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7133% | 4,187 |
| Cost of funding earning assets | 0.3693% | 6,965 |
| Net interest margin | 4.3440% | 1,562 |
| Noninterest income to average assets | 0.3800% | 4,787 |
| Noninterest expense to average assets | 3.1926% | 2,893 |
| Loan and lease loss provision to assets | 1.0019% | 945 |
| Net operating income to assets | 0.1843% | 5,636 |
| Return on assets (ROA) | 0.1843% | 5,768 |
| Pretax return on assets | 0.1843% | 5,823 |
| Return on Equity (ROE) | 1.8246% | 5,726 |
| Retained earnings to average equity (ytd only) | -0.9520% | 5,998 |
| Net charge-offs to loans | 1.1230% | 1,525 |
| Credit loss provision to net charge-offs | 136.8613% | 2,179 |
| Earnings coverage of net charge-offs (x) | 1.6204% | 4,558 |
| Efficiency ratio | 72.9103% | 3,408 |
| Assets per employee ($millions) | 3.4301% | 5,182 |
| Cash dividends to net income (ytd only)* | 152.1739% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2149% | 1,774 |
| Loan loss allowance to noncurrent loans | 98.3349% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 2.2533% | 2,670 |
| Noncurrent loans to loans | 2.2524% | 2,894 |
| Net loans and leases to total assets | 60.8087% | 3,824 |
| Net loans and leases to deposits | 68.4330% | 4,376 |
| Net loans and leases to core deposits | 69.8389% | 4,796 |
| Total domestic deposits to total assets | 88.8587% | 1,626 |
| Equity capital to assets | 11.0008% | 2,979 |
| Core capital (leverage) ratio | 10.9639% | 2,301 |
| Tier 1 risk-based capital ratio | 15.2092% | 3,504 |
| Total risk-based capital ratio | 16.4675% | 3,464 |
| Memoranda: | ||
| Average total assets | $149,720,200 | 3,805 |
| Average earning assets | $137,821,400 | 3,791 |
| Average equity | $15,126,200 | 3,882 |
| Average total loans | $97,598,800 | 3,683 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7436% | 4,262 |
| Cost of funding earning assets | 0.3902% | 7,038 |
| Net interest margin | 4.3534% | 1,552 |
| Noninterest income to average assets | 0.3285% | 5,237 |
| Noninterest expense to average assets | 3.1259% | 3,069 |
| Loan and lease loss provision to assets | 0.8885% | 1,021 |
| Net operating income to assets | 0.3392% | 5,254 |
| Return on assets (ROA) | 0.3392% | 5,430 |
| Pretax return on assets | 0.3392% | 5,625 |
| Return on Equity (ROE) | 3.4372% | 5,249 |
| Retained earnings to average equity (ytd only) | -0.3819% | 6,046 |
| Net charge-offs to loans | 0.8040% | 1,952 |
| Credit loss provision to net charge-offs | 167.5127% | 1,806 |
| Earnings coverage of net charge-offs (x) | 2.3147% | 3,970 |
| Efficiency ratio | 71.7996% | 3,591 |
| Assets per employee ($millions) | 3.4589% | 5,099 |
| Cash dividends to net income (ytd only)* | 111.1113% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1989% | 1,863 |
| Loan loss allowance to noncurrent loans | 77.5786% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 2.9608% | 2,175 |
| Noncurrent loans to loans | 2.8344% | 2,458 |
| Net loans and leases to total assets | 61.9857% | 3,724 |
| Net loans and leases to deposits | 70.0284% | 4,299 |
| Net loans and leases to core deposits | 71.1691% | 4,821 |
| Total domestic deposits to total assets | 88.5150% | 1,750 |
| Equity capital to assets | 11.2504% | 2,911 |
| Core capital (leverage) ratio | 11.2777% | 2,171 |
| Tier 1 risk-based capital ratio | 15.0508% | 3,632 |
| Total risk-based capital ratio | 16.3089% | 3,601 |
| Memoranda: | ||
| Average total assets | $148,562,000 | 3,851 |
| Average earning assets | $137,361,750 | 3,812 |
| Average equity | $14,662,750 | 3,989 |
| Average total loans | $98,002,000 | 3,702 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 4,233 |
| Cost of funding earning assets | 0.4059% | 7,113 |
| Net interest margin | 4.3583% | 1,490 |
| Noninterest income to average assets | 0.3298% | 5,255 |
| Noninterest expense to average assets | 3.3050% | 2,542 |
| Loan and lease loss provision to assets | 0.7940% | 1,161 |
| Net operating income to assets | 0.2972% | 5,382 |
| Return on assets (ROA) | 0.2972% | 5,520 |
| Pretax return on assets | 0.2972% | 5,677 |
| Return on Equity (ROE) | 3.1641% | 5,325 |
| Retained earnings to average equity (ytd only) | -2.9040% | 6,366 |
| Net charge-offs to loans | 0.5014% | 2,599 |
| Credit loss provision to net charge-offs | 236.8421% | 1,273 |
| Earnings coverage of net charge-offs (x) | 3.2551% | 3,241 |
| Efficiency ratio | 75.1775% | 3,152 |
| Assets per employee ($millions) | 3.3803% | 5,253 |
| Cash dividends to net income (ytd only)* | 191.7808% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1180% | 2,079 |
| Loan loss allowance to noncurrent loans | 75.7353% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 3.0572% | 2,199 |
| Noncurrent loans to loans | 2.7966% | 2,601 |
| Net loans and leases to total assets | 64.0082% | 3,460 |
| Net loans and leases to deposits | 70.8360% | 4,319 |
| Net loans and leases to core deposits | 72.2120% | 4,788 |
| Total domestic deposits to total assets | 90.3611% | 781 |
| Equity capital to assets | 9.4331% | 4,920 |
| Core capital (leverage) ratio | 9.2591% | 4,316 |
| Tier 1 risk-based capital ratio | 12.6806% | 5,192 |
| Total risk-based capital ratio | 13.9392% | 5,157 |
| Memoranda: | ||
| Average total assets | $147,352,670 | 3,895 |
| Average earning assets | $137,484,000 | 3,827 |
| Average equity | $13,843,000 | 4,152 |
| Average total loans | $98,517,000 | 3,729 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7563% | 4,269 |
| Cost of funding earning assets | 0.4179% | 7,188 |
| Net interest margin | 4.3384% | 1,449 |
| Noninterest income to average assets | 0.2891% | 5,602 |
| Noninterest expense to average assets | 3.4064% | 2,267 |
| Loan and lease loss provision to assets | 0.8182% | 1,022 |
| Net operating income to assets | 0.1418% | 5,967 |
| Return on assets (ROA) | 0.1418% | 6,023 |
| Pretax return on assets | 0.1418% | 6,071 |
| Return on Equity (ROE) | 1.5128% | 5,980 |
| Retained earnings to average equity (ytd only) | 1.5128% | 5,206 |
| Net charge-offs to loans | 0.1372% | 3,694 |
| Credit loss provision to net charge-offs | 882.3529% | 436 |
| Earnings coverage of net charge-offs (x) | 10.3529% | 1,641 |
| Efficiency ratio | 78.0137% | 2,841 |
| Assets per employee ($millions) | 3.3458% | 5,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9950% | 2,442 |
| Loan loss allowance to noncurrent loans | 225.3968% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 1.7512% | 3,638 |
| Noncurrent loans to loans | 0.8851% | 5,274 |
| Net loans and leases to total assets | 66.3388% | 2,922 |
| Net loans and leases to deposits | 73.3899% | 3,861 |
| Net loans and leases to core deposits | 74.6830% | 4,463 |
| Total domestic deposits to total assets | 90.3922% | 905 |
| Equity capital to assets | 9.3503% | 4,651 |
| Core capital (leverage) ratio | 9.2479% | 4,216 |
| Tier 1 risk-based capital ratio | 12.5821% | 5,186 |
| Total risk-based capital ratio | 13.8397% | 5,156 |
| Memoranda: | ||
| Average total assets | $146,663,500 | 3,942 |
| Average earning assets | $137,838,000 | 3,861 |
| Average equity | $13,749,500 | 4,163 |
| Average total loans | $99,145,500 | 3,746 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9574% | 4,754 |
| Cost of funding earning assets | 0.5978% | 7,137 |
| Net interest margin | 4.3596% | 1,622 |
| Noninterest income to average assets | 0.4798% | 4,318 |
| Noninterest expense to average assets | 3.5997% | 1,924 |
| Loan and lease loss provision to assets | 0.6282% | 2,617 |
| Net operating income to assets | 0.3350% | 4,807 |
| Return on assets (ROA) | 0.3350% | 4,967 |
| Pretax return on assets | 0.3350% | 5,130 |
| Return on Equity (ROE) | 3.5626% | 4,719 |
| Retained earnings to average equity (ytd only) | 1.7850% | 4,608 |
| Net charge-offs to loans | 0.6603% | 3,029 |
| Credit loss provision to net charge-offs | 142.4961% | 2,625 |
| Earnings coverage of net charge-offs (x) | 2.1848% | 4,083 |
| Efficiency ratio | 78.8919% | 2,547 |
| Assets per employee ($millions) | 3.3208% | 5,384 |
| Cash dividends to net income (ytd only)* | 49.8960% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7457% | 3,052 |
| Loan loss allowance to noncurrent loans | 306.9519% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 2.2045% | 3,089 |
| Noncurrent loans to loans | 0.5687% | 5,917 |
| Net loans and leases to total assets | 66.3329% | 3,399 |
| Net loans and leases to deposits | 73.3139% | 4,310 |
| Net loans and leases to core deposits | 75.2206% | 4,828 |
| Total domestic deposits to total assets | 90.4779% | 845 |
| Equity capital to assets | 9.3996% | 4,550 |
| Core capital (leverage) ratio | 9.1363% | 4,291 |
| Tier 1 risk-based capital ratio | 12.3471% | 5,165 |
| Total risk-based capital ratio | 13.6014% | 5,131 |
| Memoranda: | ||
| Average total assets | $143,593,800 | 3,994 |
| Average earning assets | $134,484,600 | 3,919 |
| Average equity | $13,501,200 | 4,258 |
| Average total loans | $95,867,200 | 3,899 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9872% | 4,884 |
| Cost of funding earning assets | 0.6350% | 7,211 |
| Net interest margin | 4.3522% | 1,673 |
| Noninterest income to average assets | 0.4076% | 4,897 |
| Noninterest expense to average assets | 3.4246% | 2,222 |
| Loan and lease loss provision to assets | 0.5922% | 2,572 |
| Net operating income to assets | 0.4626% | 4,476 |
| Return on assets (ROA) | 0.4626% | 4,663 |
| Pretax return on assets | 0.4626% | 5,034 |
| Return on Equity (ROE) | 4.9194% | 4,327 |
| Retained earnings to average equity (ytd only) | 2.5390% | 4,642 |
| Net charge-offs to loans | 0.3152% | 4,076 |
| Credit loss provision to net charge-offs | 282.2222% | 1,150 |
| Earnings coverage of net charge-offs (x) | 5.0267% | 2,867 |
| Efficiency ratio | 76.4522% | 2,866 |
| Assets per employee ($millions) | 3.3511% | 5,322 |
| Cash dividends to net income (ytd only)* | 48.3866% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9453% | 2,364 |
| Loan loss allowance to noncurrent loans | 186.6733% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 2.9997% | 2,420 |
| Noncurrent loans to loans | 1.0421% | 5,163 |
| Net loans and leases to total assets | 63.6862% | 4,189 |
| Net loans and leases to deposits | 70.3259% | 5,099 |
| Net loans and leases to core deposits | 72.6907% | 5,438 |
| Total domestic deposits to total assets | 90.5587% | 618 |
| Equity capital to assets | 9.2568% | 5,216 |
| Core capital (leverage) ratio | 9.0987% | 4,535 |
| Tier 1 risk-based capital ratio | 12.2977% | 5,186 |
| Total risk-based capital ratio | 13.5537% | 5,151 |
| Memoranda: | ||
| Average total assets | $142,964,000 | 4,057 |
| Average earning assets | $133,752,500 | 3,992 |
| Average equity | $13,443,000 | 4,339 |
| Average total loans | $95,173,250 | 3,989 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0499% | 4,706 |
| Cost of funding earning assets | 0.6635% | 7,269 |
| Net interest margin | 4.3863% | 1,488 |
| Noninterest income to average assets | 0.3223% | 5,576 |
| Noninterest expense to average assets | 3.5018% | 2,028 |
| Loan and lease loss provision to assets | 0.5089% | 2,761 |
| Net operating income to assets | 0.4142% | 4,693 |
| Return on assets (ROA) | 0.4142% | 4,848 |
| Pretax return on assets | 0.4142% | 5,180 |
| Return on Equity (ROE) | 4.3815% | 4,610 |
| Retained earnings to average equity (ytd only) | 0.7926% | 5,454 |
| Net charge-offs to loans | 0.4675% | 3,140 |
| Credit loss provision to net charge-offs | 162.1622% | 2,432 |
| Earnings coverage of net charge-offs (x) | 2.9414% | 3,525 |
| Efficiency ratio | 79.1374% | 2,556 |
| Assets per employee ($millions) | 3.3765% | 5,247 |
| Cash dividends to net income (ytd only)* | 81.9113% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7103% | 3,031 |
| Loan loss allowance to noncurrent loans | 201.6477% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 3.1510% | 2,252 |
| Noncurrent loans to loans | 0.8481% | 5,572 |
| Net loans and leases to total assets | 62.9768% | 4,470 |
| Net loans and leases to deposits | 69.5130% | 5,348 |
| Net loans and leases to core deposits | 71.8317% | 5,689 |
| Total domestic deposits to total assets | 90.5971% | 644 |
| Equity capital to assets | 9.2541% | 5,067 |
| Core capital (leverage) ratio | 9.1791% | 4,330 |
| Tier 1 risk-based capital ratio | 12.3419% | 5,000 |
| Total risk-based capital ratio | 13.5947% | 4,978 |
| Memoranda: | ||
| Average total assets | $141,469,330 | 4,113 |
| Average earning assets | $132,320,330 | 4,052 |
| Average equity | $13,374,330 | 4,357 |
| Average total loans | $94,975,330 | 4,041 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1077% | 4,496 |
| Cost of funding earning assets | 0.6865% | 7,360 |
| Net interest margin | 4.4212% | 1,330 |
| Noninterest income to average assets | 0.2922% | 5,807 |
| Noninterest expense to average assets | 3.4153% | 2,191 |
| Loan and lease loss provision to assets | 0.8022% | 1,577 |
| Net operating income to assets | 0.2263% | 5,592 |
| Return on assets (ROA) | 0.2263% | 5,713 |
| Pretax return on assets | 0.2263% | 5,808 |
| Return on Equity (ROE) | 2.3682% | 5,604 |
| Retained earnings to average equity (ytd only) | 2.3682% | 4,719 |
| Net charge-offs to loans | 0.1376% | 4,118 |
| Credit loss provision to net charge-offs | 848.4848% | 544 |
| Earnings coverage of net charge-offs (x) | 10.8788% | 1,702 |
| Efficiency ratio | 76.8536% | 3,084 |
| Assets per employee ($millions) | 3.2936% | 5,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7970% | 2,741 |
| Loan loss allowance to noncurrent loans | 125.0920% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 3.2861% | 2,178 |
| Noncurrent loans to loans | 1.4365% | 4,581 |
| Net loans and leases to total assets | 65.5974% | 3,956 |
| Net loans and leases to deposits | 72.5470% | 4,980 |
| Net loans and leases to core deposits | 74.8041% | 5,410 |
| Total domestic deposits to total assets | 90.4205% | 775 |
| Equity capital to assets | 9.4375% | 4,635 |
| Core capital (leverage) ratio | 9.4671% | 3,824 |
| Tier 1 risk-based capital ratio | 12.0768% | 5,110 |
| Total risk-based capital ratio | 13.3304% | 5,080 |
| Memoranda: | ||
| Average total assets | $139,609,000 | 4,203 |
| Average earning assets | $131,096,000 | 4,131 |
| Average equity | $13,343,500 | 4,395 |
| Average total loans | $95,949,500 | 4,073 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6658% | 3,274 |
| Cost of funding earning assets | 1.0572% | 7,082 |
| Net interest margin | 4.6086% | 967 |
| Noninterest income to average assets | 0.3935% | 5,258 |
| Noninterest expense to average assets | 3.5745% | 2,206 |
| Loan and lease loss provision to assets | 0.9505% | 2,369 |
| Net operating income to assets | 0.2432% | 4,747 |
| Return on assets (ROA) | 0.2432% | 4,828 |
| Pretax return on assets | 0.2432% | 4,905 |
| Return on Equity (ROE) | 2.4405% | 4,735 |
| Retained earnings to average equity (ytd only) | -1.9967% | 5,519 |
| Net charge-offs to loans | 1.0842% | 2,250 |
| Credit loss provision to net charge-offs | 121.5834% | 4,372 |
| Earnings coverage of net charge-offs (x) | 1.5269% | 4,603 |
| Efficiency ratio | 74.9652% | 3,719 |
| Assets per employee ($millions) | 3.1998% | 5,723 |
| Cash dividends to net income (ytd only)* | 181.8182% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4934% | 3,766 |
| Loan loss allowance to noncurrent loans | 35.7882% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 3.6354% | 1,832 |
| Noncurrent loans to loans | 4.1728% | 1,753 |
| Net loans and leases to total assets | 69.6574% | 3,332 |
| Net loans and leases to deposits | 77.2286% | 4,522 |
| Net loans and leases to core deposits | 89.6483% | 5,170 |
| Total domestic deposits to total assets | 90.1964% | 885 |
| Equity capital to assets | 9.6815% | 4,163 |
| Core capital (leverage) ratio | 9.4695% | 3,755 |
| Tier 1 risk-based capital ratio | 11.9933% | 4,951 |
| Total risk-based capital ratio | 13.2447% | 4,906 |
| Memoranda: | ||
| Average total assets | $135,711,000 | 4,222 |
| Average earning assets | $128,824,800 | 4,111 |
| Average equity | $13,522,000 | 4,379 |
| Average total loans | $97,857,800 | 4,011 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7678% | 3,032 |
| Cost of funding earning assets | 1.1548% | 7,029 |
| Net interest margin | 4.6130% | 972 |
| Noninterest income to average assets | 0.4624% | 4,801 |
| Noninterest expense to average assets | 3.4673% | 2,366 |
| Loan and lease loss provision to assets | 0.8725% | 2,201 |
| Net operating income to assets | 0.4979% | 3,995 |
| Return on assets (ROA) | 0.4979% | 4,090 |
| Pretax return on assets | 0.4979% | 4,525 |
| Return on Equity (ROE) | 4.9610% | 3,980 |
| Retained earnings to average equity (ytd only) | -0.9332% | 5,474 |
| Net charge-offs to loans | 0.7007% | 2,597 |
| Credit loss provision to net charge-offs | 171.8447% | 2,702 |
| Earnings coverage of net charge-offs (x) | 2.6990% | 3,878 |
| Efficiency ratio | 71.6731% | 4,304 |
| Assets per employee ($millions) | 3.1864% | 5,682 |
| Cash dividends to net income (ytd only)* | 118.8113% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5894% | 3,033 |
| Loan loss allowance to noncurrent loans | 81.2851% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 2.2090% | 3,087 |
| Noncurrent loans to loans | 1.9553% | 3,699 |
| Net loans and leases to total assets | 70.3966% | 3,415 |
| Net loans and leases to deposits | 78.1367% | 4,723 |
| Net loans and leases to core deposits | 89.7261% | 5,460 |
| Total domestic deposits to total assets | 90.0942% | 733 |
| Equity capital to assets | 9.6662% | 4,539 |
| Core capital (leverage) ratio | 9.7230% | 3,616 |
| Tier 1 risk-based capital ratio | 11.8961% | 5,068 |
| Total risk-based capital ratio | 13.1484% | 5,002 |
| Memoranda: | ||
| Average total assets | $135,240,750 | 4,245 |
| Average earning assets | $128,272,500 | 4,141 |
| Average equity | $13,572,250 | 4,399 |
| Average total loans | $97,998,250 | 4,043 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7999% | 3,044 |
| Cost of funding earning assets | 1.2473% | 6,970 |
| Net interest margin | 4.5526% | 1,051 |
| Noninterest income to average assets | 0.5225% | 4,251 |
| Noninterest expense to average assets | 3.5303% | 2,249 |
| Loan and lease loss provision to assets | 0.8459% | 1,982 |
| Net operating income to assets | 0.4686% | 4,223 |
| Return on assets (ROA) | 0.4686% | 4,337 |
| Pretax return on assets | 0.4686% | 4,722 |
| Return on Equity (ROE) | 4.6101% | 4,252 |
| Retained earnings to average equity (ytd only) | -4.2271% | 6,174 |
| Net charge-offs to loans | 0.5718% | 2,617 |
| Credit loss provision to net charge-offs | 203.2374% | 2,243 |
| Earnings coverage of net charge-offs (x) | 3.1583% | 3,539 |
| Efficiency ratio | 72.8677% | 4,237 |
| Assets per employee ($millions) | 3.1156% | 5,823 |
| Cash dividends to net income (ytd only)* | 191.6933% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 3,140 |
| Loan loss allowance to noncurrent loans | 46.6502% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 3.1239% | 2,011 |
| Noncurrent loans to loans | 3.2329% | 2,199 |
| Net loans and leases to total assets | 73.6581% | 2,797 |
| Net loans and leases to deposits | 82.0002% | 4,222 |
| Net loans and leases to core deposits | 95.7389% | 4,930 |
| Total domestic deposits to total assets | 89.8268% | 901 |
| Equity capital to assets | 9.9142% | 4,062 |
| Core capital (leverage) ratio | 9.7909% | 3,530 |
| Tier 1 risk-based capital ratio | 11.3800% | 5,519 |
| Total risk-based capital ratio | 12.6310% | 5,426 |
| Memoranda: | ||
| Average total assets | $133,587,670 | 4,317 |
| Average earning assets | $126,829,670 | 4,211 |
| Average equity | $13,579,000 | 4,402 |
| Average total loans | $97,234,330 | 4,090 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8075% | 3,258 |
| Cost of funding earning assets | 1.3707% | 6,815 |
| Net interest margin | 4.4368% | 1,256 |
| Noninterest income to average assets | 0.4618% | 4,666 |
| Noninterest expense to average assets | 3.4843% | 2,146 |
| Loan and lease loss provision to assets | 1.1694% | 1,111 |
| Net operating income to assets | 0.0300% | 6,185 |
| Return on assets (ROA) | 0.0300% | 6,340 |
| Pretax return on assets | 0.0300% | 6,320 |
| Return on Equity (ROE) | 0.2914% | 6,338 |
| Retained earnings to average equity (ytd only) | 0.2914% | 5,540 |
| Net charge-offs to loans | 1.1028% | 1,236 |
| Credit loss provision to net charge-offs | 147.7273% | 2,819 |
| Earnings coverage of net charge-offs (x) | 1.5152% | 3,974 |
| Efficiency ratio | 74.3918% | 3,754 |
| Assets per employee ($millions) | 3.2345% | 5,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 3,527 |
| Loan loss allowance to noncurrent loans | 62.3557% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 1.8682% | 3,113 |
| Noncurrent loans to loans | 2.2363% | 2,944 |
| Net loans and leases to total assets | 70.2682% | 3,616 |
| Net loans and leases to deposits | 78.3011% | 4,876 |
| Net loans and leases to core deposits | 92.7814% | 5,280 |
| Total domestic deposits to total assets | 89.7410% | 914 |
| Equity capital to assets | 10.0500% | 3,945 |
| Core capital (leverage) ratio | 9.9426% | 3,465 |
| Tier 1 risk-based capital ratio | 11.8191% | 5,103 |
| Total risk-based capital ratio | 13.0379% | 5,055 |
| Memoranda: | ||
| Average total assets | $133,397,000 | 4,336 |
| Average earning assets | $126,938,500 | 4,223 |
| Average equity | $13,727,500 | 4,396 |
| Average total loans | $95,756,500 | 4,156 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7250% | 1,939 |
| Cost of funding earning assets | 2.1407% | 5,871 |
| Net interest margin | 4.5843% | 1,222 |
| Noninterest income to average assets | 0.3904% | 5,554 |
| Noninterest expense to average assets | 3.5272% | 2,323 |
| Loan and lease loss provision to assets | 0.2907% | 4,057 |
| Net operating income to assets | 0.9128% | 2,950 |
| Return on assets (ROA) | 0.9128% | 2,801 |
| Pretax return on assets | 0.9128% | 3,683 |
| Return on Equity (ROE) | 8.9304% | 2,662 |
| Retained earnings to average equity (ytd only) | 2.5669% | 3,595 |
| Net charge-offs to loans | 0.0692% | 5,783 |
| Credit loss provision to net charge-offs | 569.2308% | 770 |
| Earnings coverage of net charge-offs (x) | 23.5692% | 1,419 |
| Efficiency ratio | 74.5599% | 3,482 |
| Assets per employee ($millions) | 3.0452% | 5,943 |
| Cash dividends to net income (ytd only)* | 71.2565% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 3,839 |
| Loan loss allowance to noncurrent loans | 179.7357% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.8026% | 4,847 |
| Noncurrent loans to loans | 0.7191% | 5,234 |
| Net loans and leases to total assets | 71.3891% | 3,712 |
| Net loans and leases to deposits | 79.9731% | 5,048 |
| Net loans and leases to core deposits | 95.7080% | 5,279 |
| Total domestic deposits to total assets | 89.2663% | 935 |
| Equity capital to assets | 10.5405% | 3,448 |
| Core capital (leverage) ratio | 10.0800% | 3,374 |
| Tier 1 risk-based capital ratio | 12.0203% | 4,806 |
| Total risk-based capital ratio | 13.1487% | 4,803 |
| Memoranda: | ||
| Average total assets | $127,295,400 | 4,342 |
| Average earning assets | $120,520,600 | 4,249 |
| Average equity | $13,011,800 | 4,572 |
| Average total loans | $93,997,600 | 4,109 |