Home > Damascus Community Bank > Performance and Condition Ratios
Damascus Community Bank, Performance and Condition Ratios
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8991% | 3,553 |
| Cost of funding earning assets | 0.3521% | 3,559 |
| Net interest margin | 3.5470% | 3,228 |
| Noninterest income to average assets | 0.5831% | 2,544 |
| Noninterest expense to average assets | 3.0907% | 1,858 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5985% | 4,313 |
| Return on assets (ROA) | 0.5985% | 4,355 |
| Pretax return on assets | 0.8705% | 4,032 |
| Return on Equity (ROE) | 7.2439% | 3,427 |
| Retained earnings to average equity (ytd only) | 4.0974% | 3,272 |
| Net charge-offs to loans | 0.0135% | 2,983 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 90.8667% | 696 |
| Efficiency ratio | 78.0232% | 1,459 |
| Assets per employee ($millions) | 4.8946% | 2,517 |
| Cash dividends to net income (ytd only)* | 43.4365% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9732% | 4,303 |
| Loan loss allowance to noncurrent loans | 427.2727% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 4,537 |
| Noncurrent loans to loans | 0.2278% | 4,215 |
| Net loans and leases to total assets | 70.2289% | 2,493 |
| Net loans and leases to deposits | 78.6226% | 3,055 |
| Net loans and leases to core deposits | 87.3562% | 2,762 |
| Total domestic deposits to total assets | 89.3241% | 801 |
| Equity capital to assets | 8.3685% | 5,370 |
| Core capital (leverage) ratio | 8.3745% | 5,302 |
| Tier 1 risk-based capital ratio | 10.7469% | 5,361 |
| Total risk-based capital ratio | 11.6556% | 5,432 |
| Memoranda: | ||
| Average total assets | $313,136,670 | 2,116 |
| Average earning assets | $298,222,330 | 2,067 |
| Average equity | $25,870,000 | 2,639 |
| Average total loans | $222,766,000 | 1,987 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8261% | 3,666 |
| Cost of funding earning assets | 0.3378% | 3,663 |
| Net interest margin | 3.4883% | 3,313 |
| Noninterest income to average assets | 0.7410% | 1,776 |
| Noninterest expense to average assets | 3.3513% | 1,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4817% | 4,666 |
| Return on assets (ROA) | 0.4817% | 4,691 |
| Pretax return on assets | 0.7142% | 4,406 |
| Return on Equity (ROE) | 5.8683% | 3,972 |
| Retained earnings to average equity (ytd only) | 5.3702% | 2,687 |
| Net charge-offs to loans | 0.0735% | 1,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 13.6341% | 1,770 |
| Efficiency ratio | 82.4324% | 1,118 |
| Assets per employee ($millions) | 4.2581% | 3,571 |
| Cash dividends to net income (ytd only)* | 8.4881% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 4,532 |
| Loan loss allowance to noncurrent loans | 815.2672% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 4,941 |
| Noncurrent loans to loans | 0.1169% | 4,722 |
| Net loans and leases to total assets | 70.4670% | 2,303 |
| Net loans and leases to deposits | 78.7471% | 2,898 |
| Net loans and leases to core deposits | 87.6769% | 2,575 |
| Total domestic deposits to total assets | 89.4852% | 902 |
| Equity capital to assets | 8.2216% | 5,400 |
| Core capital (leverage) ratio | 8.3354% | 5,354 |
| Tier 1 risk-based capital ratio | 10.7706% | 5,429 |
| Total risk-based capital ratio | 11.6769% | 5,495 |
| Memoranda: | ||
| Average total assets | $313,076,500 | 2,131 |
| Average earning assets | $298,370,000 | 2,079 |
| Average equity | $25,697,500 | 2,672 |
| Average total loans | $223,069,500 | 2,000 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6901% | 4,242 |
| Cost of funding earning assets | 0.3706% | 3,309 |
| Net interest margin | 3.3195% | 4,088 |
| Noninterest income to average assets | 1.0065% | 1,129 |
| Noninterest expense to average assets | 3.7603% | 813 |
| Loan and lease loss provision to assets | -0.2614% | 5,818 |
| Net operating income to assets | 0.4423% | 4,823 |
| Return on assets (ROA) | 0.4431% | 4,901 |
| Pretax return on assets | 0.6728% | 4,573 |
| Return on Equity (ROE) | 5.3918% | 4,238 |
| Retained earnings to average equity (ytd only) | 4.8789% | 2,425 |
| Net charge-offs to loans | -0.1394% | 5,664 |
| Credit loss provision to net charge-offs | 264.9007% | 1,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1661% | 543 |
| Assets per employee ($millions) | 3.7934% | 4,320 |
| Cash dividends to net income (ytd only)* | 9.5133% | 4,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 4,434 |
| Loan loss allowance to noncurrent loans | 682.4451% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 4,836 |
| Noncurrent loans to loans | 0.1437% | 4,657 |
| Net loans and leases to total assets | 70.6582% | 2,386 |
| Net loans and leases to deposits | 79.1104% | 2,983 |
| Net loans and leases to core deposits | 88.8441% | 2,601 |
| Total domestic deposits to total assets | 89.3160% | 943 |
| Equity capital to assets | 8.1944% | 5,473 |
| Core capital (leverage) ratio | 8.2639% | 5,459 |
| Tier 1 risk-based capital ratio | 10.7854% | 5,442 |
| Total risk-based capital ratio | 11.7225% | 5,522 |
| Memoranda: | ||
| Average total assets | $306,015,600 | 2,134 |
| Average earning assets | $291,672,000 | 2,088 |
| Average equity | $25,149,200 | 2,705 |
| Average total loans | $216,620,000 | 1,995 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5992% | 4,555 |
| Cost of funding earning assets | 0.3805% | 3,225 |
| Net interest margin | 3.2188% | 4,431 |
| Noninterest income to average assets | 0.9288% | 1,318 |
| Noninterest expense to average assets | 3.7708% | 772 |
| Loan and lease loss provision to assets | -0.0437% | 5,709 |
| Net operating income to assets | 0.1834% | 5,493 |
| Return on assets (ROA) | 0.1846% | 5,555 |
| Pretax return on assets | 0.2717% | 5,490 |
| Return on Equity (ROE) | 2.2448% | 5,427 |
| Retained earnings to average equity (ytd only) | 1.7288% | 4,816 |
| Net charge-offs to loans | -0.2100% | 5,775 |
| Credit loss provision to net charge-offs | 29.4985% | 3,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3411% | 374 |
| Assets per employee ($millions) | 3.8339% | 4,244 |
| Cash dividends to net income (ytd only)* | 22.9859% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 3,031 |
| Loan loss allowance to noncurrent loans | 208.8889% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.4628% | 3,574 |
| Noncurrent loans to loans | 0.5917% | 3,233 |
| Net loans and leases to total assets | 74.0695% | 1,860 |
| Net loans and leases to deposits | 83.2456% | 2,577 |
| Net loans and leases to core deposits | 93.5309% | 2,229 |
| Total domestic deposits to total assets | 88.9771% | 921 |
| Equity capital to assets | 8.0577% | 5,719 |
| Core capital (leverage) ratio | 7.9743% | 5,700 |
| Tier 1 risk-based capital ratio | 10.2247% | 5,729 |
| Total risk-based capital ratio | 11.4460% | 5,675 |
| Memoranda: | ||
| Average total assets | $304,755,750 | 2,146 |
| Average earning assets | $290,498,500 | 2,100 |
| Average equity | $25,064,250 | 2,727 |
| Average total loans | $215,284,250 | 2,008 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5720% | 4,676 |
| Cost of funding earning assets | 0.3837% | 3,225 |
| Net interest margin | 3.1883% | 4,581 |
| Noninterest income to average assets | 0.7077% | 2,111 |
| Noninterest expense to average assets | 3.6101% | 994 |
| Loan and lease loss provision to assets | -0.0663% | 5,842 |
| Net operating income to assets | 0.1329% | 5,632 |
| Return on assets (ROA) | 0.1346% | 5,672 |
| Pretax return on assets | 0.2036% | 5,616 |
| Return on Equity (ROE) | 1.6256% | 5,589 |
| Retained earnings to average equity (ytd only) | 1.1131% | 4,936 |
| Net charge-offs to loans | -0.3003% | 5,883 |
| Credit loss provision to net charge-offs | 31.9489% | 2,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4045% | 331 |
| Assets per employee ($millions) | 4.1363% | 3,674 |
| Cash dividends to net income (ytd only)* | 31.5271% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 2,690 |
| Loan loss allowance to noncurrent loans | 221.7358% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.4390% | 3,749 |
| Noncurrent loans to loans | 0.5943% | 3,286 |
| Net loans and leases to total assets | 69.6865% | 2,523 |
| Net loans and leases to deposits | 77.5822% | 3,200 |
| Net loans and leases to core deposits | 87.4797% | 2,781 |
| Total domestic deposits to total assets | 89.8229% | 556 |
| Equity capital to assets | 8.1563% | 5,751 |
| Core capital (leverage) ratio | 8.1613% | 5,620 |
| Tier 1 risk-based capital ratio | 10.7054% | 5,577 |
| Total risk-based capital ratio | 11.9558% | 5,499 |
| Memoranda: | ||
| Average total assets | $301,546,670 | 2,173 |
| Average earning assets | $287,234,330 | 2,129 |
| Average equity | $24,975,000 | 2,745 |
| Average total loans | $208,453,670 | 2,069 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6400% | 4,506 |
| Cost of funding earning assets | 0.3861% | 3,230 |
| Net interest margin | 3.2539% | 4,386 |
| Noninterest income to average assets | 0.6110% | 2,461 |
| Noninterest expense to average assets | 3.5410% | 1,112 |
| Loan and lease loss provision to assets | -0.1346% | 6,002 |
| Net operating income to assets | 0.1884% | 5,549 |
| Return on assets (ROA) | 0.1884% | 5,604 |
| Pretax return on assets | 0.3015% | 5,507 |
| Return on Equity (ROE) | 2.2571% | 5,445 |
| Retained earnings to average equity (ytd only) | 1.7412% | 4,570 |
| Net charge-offs to loans | -0.4214% | 5,974 |
| Credit loss provision to net charge-offs | 46.7290% | 2,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4991% | 410 |
| Assets per employee ($millions) | 4.0065% | 3,927 |
| Cash dividends to net income (ytd only)* | 22.8571% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 2,461 |
| Loan loss allowance to noncurrent loans | 127.4098% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.7651% | 2,787 |
| Noncurrent loans to loans | 1.0926% | 2,209 |
| Net loans and leases to total assets | 65.7488% | 2,988 |
| Net loans and leases to deposits | 73.4211% | 3,510 |
| Net loans and leases to core deposits | 83.4753% | 2,986 |
| Total domestic deposits to total assets | 89.5503% | 811 |
| Equity capital to assets | 8.3491% | 5,663 |
| Core capital (leverage) ratio | 8.3127% | 5,558 |
| Tier 1 risk-based capital ratio | 11.4521% | 5,257 |
| Total risk-based capital ratio | 12.7032% | 5,160 |
| Memoranda: | ||
| Average total assets | $297,207,500 | 2,204 |
| Average earning assets | $282,858,000 | 2,162 |
| Average equity | $24,811,000 | 2,764 |
| Average total loans | $203,144,500 | 2,113 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8750% | 3,790 |
| Cost of funding earning assets | 0.4049% | 3,100 |
| Net interest margin | 3.4701% | 3,641 |
| Noninterest income to average assets | 0.6368% | 2,528 |
| Noninterest expense to average assets | 3.3915% | 1,502 |
| Loan and lease loss provision to assets | -0.0930% | 5,843 |
| Net operating income to assets | 0.4393% | 4,915 |
| Return on assets (ROA) | 0.4353% | 5,013 |
| Pretax return on assets | 0.6058% | 4,823 |
| Return on Equity (ROE) | 5.2653% | 4,388 |
| Retained earnings to average equity (ytd only) | 5.2653% | 2,231 |
| Net charge-offs to loans | 0.7764% | 293 |
| Credit loss provision to net charge-offs | -16.3043% | 4,977 |
| Earnings coverage of net charge-offs (x) | 0.9088% | 4,163 |
| Efficiency ratio | 86.7436% | 936 |
| Assets per employee ($millions) | 4.0235% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 2,907 |
| Loan loss allowance to noncurrent loans | 99.0007% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.9526% | 2,284 |
| Noncurrent loans to loans | 1.3121% | 1,797 |
| Net loans and leases to total assets | 69.2028% | 2,500 |
| Net loans and leases to deposits | 77.3001% | 3,130 |
| Net loans and leases to core deposits | 88.8475% | 2,516 |
| Total domestic deposits to total assets | 89.5249% | 839 |
| Equity capital to assets | 8.3925% | 5,636 |
| Core capital (leverage) ratio | 8.3713% | 5,552 |
| Tier 1 risk-based capital ratio | 11.2139% | 5,418 |
| Total risk-based capital ratio | 12.4536% | 5,318 |
| Memoranda: | ||
| Average total assets | $290,375,400 | 2,207 |
| Average earning assets | $273,883,600 | 2,175 |
| Average equity | $24,006,200 | 2,784 |
| Average total loans | $213,298,800 | 1,968 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8623% | 3,885 |
| Cost of funding earning assets | 0.4086% | 3,136 |
| Net interest margin | 3.4537% | 3,737 |
| Noninterest income to average assets | 0.6746% | 2,356 |
| Noninterest expense to average assets | 3.2755% | 1,764 |
| Loan and lease loss provision to assets | -0.1243% | 6,035 |
| Net operating income to assets | 0.5621% | 4,557 |
| Return on assets (ROA) | 0.5567% | 4,659 |
| Pretax return on assets | 0.7658% | 4,442 |
| Return on Equity (ROE) | 6.7601% | 3,750 |
| Retained earnings to average equity (ytd only) | 6.7601% | 1,804 |
| Net charge-offs to loans | 0.9879% | 192 |
| Credit loss provision to net charge-offs | -16.9385% | 4,877 |
| Earnings coverage of net charge-offs (x) | 0.8839% | 3,899 |
| Efficiency ratio | 83.4663% | 1,222 |
| Assets per employee ($millions) | 4.2568% | 3,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 2,866 |
| Loan loss allowance to noncurrent loans | 67.8483% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 1.4296% | 1,598 |
| Noncurrent loans to loans | 1.9866% | 1,168 |
| Net loans and leases to total assets | 69.2069% | 2,505 |
| Net loans and leases to deposits | 77.4660% | 3,153 |
| Net loans and leases to core deposits | 89.9865% | 2,469 |
| Total domestic deposits to total assets | 89.3385% | 847 |
| Equity capital to assets | 8.5372% | 5,688 |
| Core capital (leverage) ratio | 8.3678% | 5,656 |
| Tier 1 risk-based capital ratio | 11.2668% | 5,512 |
| Total risk-based capital ratio | 12.5171% | 5,410 |
| Memoranda: | ||
| Average total assets | $289,540,500 | 2,227 |
| Average earning assets | $272,438,250 | 2,204 |
| Average equity | $23,845,250 | 2,819 |
| Average total loans | $215,140,000 | 1,963 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8561% | 3,840 |
| Cost of funding earning assets | 0.3995% | 3,282 |
| Net interest margin | 3.4566% | 3,675 |
| Noninterest income to average assets | 0.6941% | 2,237 |
| Noninterest expense to average assets | 3.3015% | 1,700 |
| Loan and lease loss provision to assets | 0.3971% | 301 |
| Net operating income to assets | 0.1921% | 5,713 |
| Return on assets (ROA) | 0.1837% | 5,794 |
| Pretax return on assets | 0.2417% | 5,755 |
| Return on Equity (ROE) | 2.2584% | 5,627 |
| Retained earnings to average equity (ytd only) | 2.2584% | 4,585 |
| Net charge-offs to loans | 1.3716% | 132 |
| Credit loss provision to net charge-offs | 38.2568% | 2,837 |
| Earnings coverage of net charge-offs (x) | 0.6261% | 3,638 |
| Efficiency ratio | 83.5518% | 1,309 |
| Assets per employee ($millions) | 4.3266% | 3,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7460% | 1,502 |
| Loan loss allowance to noncurrent loans | 69.8156% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 1.7882% | 1,290 |
| Noncurrent loans to loans | 2.5008% | 893 |
| Net loans and leases to total assets | 70.2554% | 2,281 |
| Net loans and leases to deposits | 78.1463% | 3,007 |
| Net loans and leases to core deposits | 92.3076% | 2,126 |
| Total domestic deposits to total assets | 89.9024% | 702 |
| Equity capital to assets | 7.9614% | 6,001 |
| Core capital (leverage) ratio | 8.1063% | 5,868 |
| Tier 1 risk-based capital ratio | 10.4114% | 5,952 |
| Total risk-based capital ratio | 11.6657% | 5,895 |
| Memoranda: | ||
| Average total assets | $289,567,000 | 2,235 |
| Average earning assets | $272,866,000 | 2,213 |
| Average equity | $23,556,330 | 2,858 |
| Average total loans | $219,165,330 | 1,947 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9608% | 3,378 |
| Cost of funding earning assets | 0.3893% | 3,424 |
| Net interest margin | 3.5715% | 3,120 |
| Noninterest income to average assets | 0.7687% | 1,832 |
| Noninterest expense to average assets | 3.1778% | 2,037 |
| Loan and lease loss provision to assets | 0.1393% | 1,478 |
| Net operating income to assets | 0.6263% | 4,164 |
| Return on assets (ROA) | 0.6252% | 4,271 |
| Pretax return on assets | 0.8230% | 4,157 |
| Return on Equity (ROE) | 7.6028% | 3,165 |
| Retained earnings to average equity (ytd only) | 7.6028% | 1,722 |
| Net charge-offs to loans | 1.4296% | 136 |
| Credit loss provision to net charge-offs | 12.5156% | 2,418 |
| Earnings coverage of net charge-offs (x) | 0.8661% | 3,001 |
| Efficiency ratio | 76.7317% | 2,391 |
| Assets per employee ($millions) | 4.0831% | 3,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7759% | 1,551 |
| Loan loss allowance to noncurrent loans | 53.2696% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 2.5267% | 851 |
| Noncurrent loans to loans | 3.3337% | 604 |
| Net loans and leases to total assets | 74.4474% | 1,432 |
| Net loans and leases to deposits | 83.1736% | 2,186 |
| Net loans and leases to core deposits | 98.0372% | 1,470 |
| Total domestic deposits to total assets | 89.5085% | 989 |
| Equity capital to assets | 8.2697% | 5,890 |
| Core capital (leverage) ratio | 8.2942% | 5,733 |
| Tier 1 risk-based capital ratio | 10.0887% | 6,148 |
| Total risk-based capital ratio | 11.3438% | 6,091 |
| Memoranda: | ||
| Average total assets | $287,246,500 | 2,271 |
| Average earning assets | $271,260,000 | 2,242 |
| Average equity | $23,623,000 | 2,869 |
| Average total loans | $223,563,000 | 1,926 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3706% | 2,321 |
| Cost of funding earning assets | 0.3727% | 4,004 |
| Net interest margin | 3.9979% | 1,902 |
| Noninterest income to average assets | 0.8521% | 1,674 |
| Noninterest expense to average assets | 3.1474% | 2,369 |
| Loan and lease loss provision to assets | 1.4287% | 59 |
| Net operating income to assets | 0.0107% | 6,078 |
| Return on assets (ROA) | 0.1074% | 5,980 |
| Pretax return on assets | 0.0910% | 5,997 |
| Return on Equity (ROE) | 1.3269% | 5,927 |
| Retained earnings to average equity (ytd only) | 1.0808% | 5,287 |
| Net charge-offs to loans | 0.7653% | 467 |
| Credit loss provision to net charge-offs | 246.5644% | 1,035 |
| Earnings coverage of net charge-offs (x) | 2.4558% | 4,147 |
| Efficiency ratio | 68.8652% | 3,743 |
| Assets per employee ($millions) | 4.1245% | 3,673 |
| Cash dividends to net income (ytd only)* | 18.5430% | 3,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0233% | 1,065 |
| Loan loss allowance to noncurrent loans | 88.0574% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.8360% | 1,412 |
| Noncurrent loans to loans | 2.2977% | 1,134 |
| Net loans and leases to total assets | 78.2872% | 963 |
| Net loans and leases to deposits | 88.9222% | 1,624 |
| Net loans and leases to core deposits | 106.2896% | 998 |
| Total domestic deposits to total assets | 88.0401% | 1,750 |
| Equity capital to assets | 8.1773% | 5,975 |
| Core capital (leverage) ratio | 8.0084% | 6,000 |
| Tier 1 risk-based capital ratio | 9.9747% | 6,267 |
| Total risk-based capital ratio | 11.2335% | 6,211 |
| Memoranda: | ||
| Average total assets | $281,308,400 | 2,266 |
| Average earning assets | $261,636,800 | 2,261 |
| Average equity | $22,760,400 | 2,872 |
| Average total loans | $212,998,800 | 1,953 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3976% | 2,233 |
| Cost of funding earning assets | 0.3657% | 4,180 |
| Net interest margin | 4.0319% | 1,785 |
| Noninterest income to average assets | 0.5642% | 3,106 |
| Noninterest expense to average assets | 2.7927% | 3,492 |
| Loan and lease loss provision to assets | 0.9845% | 115 |
| Net operating income to assets | 0.2987% | 5,586 |
| Return on assets (ROA) | 0.3727% | 5,434 |
| Pretax return on assets | 0.6393% | 4,905 |
| Return on Equity (ROE) | 4.6186% | 4,894 |
| Retained earnings to average equity (ytd only) | 4.2887% | 3,596 |
| Net charge-offs to loans | 0.6138% | 593 |
| Credit loss provision to net charge-offs | 214.8340% | 1,193 |
| Earnings coverage of net charge-offs (x) | 3.2915% | 3,692 |
| Efficiency ratio | 64.9315% | 4,384 |
| Assets per employee ($millions) | 4.1060% | 3,658 |
| Cash dividends to net income (ytd only)* | 7.1424% | 3,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 2,766 |
| Loan loss allowance to noncurrent loans | 105.1315% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.1138% | 2,725 |
| Noncurrent loans to loans | 1.4177% | 2,294 |
| Net loans and leases to total assets | 75.2471% | 1,327 |
| Net loans and leases to deposits | 84.2810% | 2,111 |
| Net loans and leases to core deposits | 98.6704% | 1,473 |
| Total domestic deposits to total assets | 89.2812% | 1,089 |
| Equity capital to assets | 8.0755% | 6,094 |
| Core capital (leverage) ratio | 8.4740% | 5,681 |
| Tier 1 risk-based capital ratio | 9.9875% | 6,352 |
| Total risk-based capital ratio | 11.2392% | 6,312 |
| Memoranda: | ||
| Average total assets | $280,487,250 | 2,288 |
| Average earning assets | $259,955,500 | 2,292 |
| Average equity | $22,632,500 | 2,888 |
| Average total loans | $209,398,250 | 1,989 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4194% | 2,113 |
| Cost of funding earning assets | 0.3635% | 4,277 |
| Net interest margin | 4.0559% | 1,645 |
| Noninterest income to average assets | 0.3338% | 4,753 |
| Noninterest expense to average assets | 2.9443% | 3,025 |
| Loan and lease loss provision to assets | 1.2211% | 77 |
| Net operating income to assets | -0.0566% | 6,229 |
| Return on assets (ROA) | 0.0484% | 6,163 |
| Pretax return on assets | 0.0896% | 6,108 |
| Return on Equity (ROE) | 0.6001% | 6,125 |
| Retained earnings to average equity (ytd only) | 0.0985% | 5,651 |
| Net charge-offs to loans | 0.8909% | 408 |
| Credit loss provision to net charge-offs | 185.1041% | 1,247 |
| Earnings coverage of net charge-offs (x) | 1.7382% | 3,724 |
| Efficiency ratio | 71.9710% | 3,347 |
| Assets per employee ($millions) | 3.8838% | 4,101 |
| Cash dividends to net income (ytd only)* | 83.5821% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 3,359 |
| Loan loss allowance to noncurrent loans | 95.8320% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.1476% | 2,784 |
| Noncurrent loans to loans | 1.4594% | 2,369 |
| Net loans and leases to total assets | 75.3598% | 1,256 |
| Net loans and leases to deposits | 83.6588% | 2,066 |
| Net loans and leases to core deposits | 98.6513% | 1,398 |
| Total domestic deposits to total assets | 90.0800% | 769 |
| Equity capital to assets | 8.1166% | 6,085 |
| Core capital (leverage) ratio | 8.2935% | 5,855 |
| Tier 1 risk-based capital ratio | 10.0486% | 6,385 |
| Total risk-based capital ratio | 11.2994% | 6,341 |
| Memoranda: | ||
| Average total assets | $276,808,000 | 2,322 |
| Average earning assets | $256,415,670 | 2,309 |
| Average equity | $22,329,330 | 2,911 |
| Average total loans | $204,970,000 | 2,017 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4283% | 2,031 |
| Cost of funding earning assets | 0.3726% | 4,283 |
| Net interest margin | 4.0558% | 1,582 |
| Noninterest income to average assets | 0.2556% | 5,314 |
| Noninterest expense to average assets | 2.9122% | 3,167 |
| Loan and lease loss provision to assets | 1.8054% | 42 |
| Net operating income to assets | -0.5407% | 6,485 |
| Return on assets (ROA) | -0.5142% | 6,474 |
| Pretax return on assets | -0.6798% | 6,500 |
| Return on Equity (ROE) | -6.3941% | 6,498 |
| Retained earnings to average equity (ytd only) | -7.4056% | 6,261 |
| Net charge-offs to loans | 1.3281% | 245 |
| Credit loss provision to net charge-offs | 186.6366% | 1,101 |
| Earnings coverage of net charge-offs (x) | 1.1276% | 3,175 |
| Efficiency ratio | 72.7504% | 3,348 |
| Assets per employee ($millions) | 3.7491% | 4,425 |
| Cash dividends to net income (ytd only)* | -15.8192% | 6,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3751% | 3,720 |
| Loan loss allowance to noncurrent loans | 80.0746% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.2554% | 2,763 |
| Noncurrent loans to loans | 1.7173% | 2,256 |
| Net loans and leases to total assets | 72.0994% | 1,564 |
| Net loans and leases to deposits | 80.3694% | 2,246 |
| Net loans and leases to core deposits | 95.2474% | 1,449 |
| Total domestic deposits to total assets | 89.7100% | 1,236 |
| Equity capital to assets | 7.9752% | 6,076 |
| Core capital (leverage) ratio | 8.1833% | 5,964 |
| Tier 1 risk-based capital ratio | 10.2710% | 6,400 |
| Total risk-based capital ratio | 11.5212% | 6,355 |
| Memoranda: | ||
| Average total assets | $275,393,500 | 2,335 |
| Average earning assets | $254,451,500 | 2,324 |
| Average equity | $22,145,500 | 2,930 |
| Average total loans | $200,593,500 | 2,047 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5497% | 2,033 |
| Cost of funding earning assets | 0.4655% | 3,960 |
| Net interest margin | 4.0842% | 1,694 |
| Noninterest income to average assets | 0.9052% | 1,662 |
| Noninterest expense to average assets | 3.5016% | 1,643 |
| Loan and lease loss provision to assets | 0.3497% | 901 |
| Net operating income to assets | 0.5768% | 4,372 |
| Return on assets (ROA) | 0.5987% | 4,383 |
| Pretax return on assets | 0.8398% | 3,997 |
| Return on Equity (ROE) | 7.2324% | 3,439 |
| Retained earnings to average equity (ytd only) | 6.5010% | 1,684 |
| Net charge-offs to loans | 0.5802% | 1,137 |
| Credit loss provision to net charge-offs | 84.3155% | 2,918 |
| Earnings coverage of net charge-offs (x) | 2.7933% | 4,070 |
| Efficiency ratio | 75.1372% | 2,929 |
| Assets per employee ($millions) | 3.3336% | 5,218 |
| Cash dividends to net income (ytd only)* | 10.1131% | 4,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 5,071 |
| Loan loss allowance to noncurrent loans | 74.1535% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 1.0913% | 3,225 |
| Noncurrent loans to loans | 1.5038% | 2,640 |
| Net loans and leases to total assets | 71.7599% | 1,722 |
| Net loans and leases to deposits | 80.2449% | 2,423 |
| Net loans and leases to core deposits | 95.2547% | 1,511 |
| Total domestic deposits to total assets | 89.4261% | 1,373 |
| Equity capital to assets | 8.1086% | 5,928 |
| Core capital (leverage) ratio | 8.6885% | 5,427 |
| Tier 1 risk-based capital ratio | 10.6445% | 6,315 |
| Total risk-based capital ratio | 11.6677% | 6,346 |
| Memoranda: | ||
| Average total assets | $265,908,800 | 2,386 |
| Average earning assets | $244,475,800 | 2,381 |
| Average equity | $22,012,000 | 2,927 |
| Average total loans | $190,091,800 | 2,100 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5410% | 2,071 |
| Cost of funding earning assets | 0.4788% | 3,974 |
| Net interest margin | 4.0622% | 1,751 |
| Noninterest income to average assets | 0.9897% | 1,483 |
| Noninterest expense to average assets | 3.4867% | 1,637 |
| Loan and lease loss provision to assets | 0.3358% | 975 |
| Net operating income to assets | 0.5675% | 4,491 |
| Return on assets (ROA) | 0.5691% | 4,627 |
| Pretax return on assets | 0.9008% | 3,880 |
| Return on Equity (ROE) | 6.8383% | 3,744 |
| Retained earnings to average equity (ytd only) | 6.1587% | 2,312 |
| Net charge-offs to loans | 0.5581% | 1,134 |
| Credit loss provision to net charge-offs | 84.4981% | 2,740 |
| Earnings coverage of net charge-offs (x) | 3.1055% | 3,801 |
| Efficiency ratio | 73.8582% | 3,093 |
| Assets per employee ($millions) | 3.2834% | 5,317 |
| Cash dividends to net income (ytd only)* | 9.9379% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 4,890 |
| Loan loss allowance to noncurrent loans | 65.8515% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 1.3817% | 2,888 |
| Noncurrent loans to loans | 1.8132% | 2,482 |
| Net loans and leases to total assets | 69.5209% | 2,043 |
| Net loans and leases to deposits | 78.0842% | 2,655 |
| Net loans and leases to core deposits | 94.1108% | 1,563 |
| Total domestic deposits to total assets | 89.0332% | 1,535 |
| Equity capital to assets | 8.1979% | 6,005 |
| Core capital (leverage) ratio | 8.6179% | 5,632 |
| Tier 1 risk-based capital ratio | 10.8504% | 6,347 |
| Total risk-based capital ratio | 11.9366% | 6,366 |
| Memoranda: | ||
| Average total assets | $264,048,000 | 2,418 |
| Average earning assets | $242,525,500 | 2,419 |
| Average equity | $21,973,750 | 2,968 |
| Average total loans | $188,022,500 | 2,122 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5307% | 2,084 |
| Cost of funding earning assets | 0.4899% | 3,990 |
| Net interest margin | 4.0408% | 1,725 |
| Noninterest income to average assets | 0.9607% | 1,627 |
| Noninterest expense to average assets | 3.5186% | 1,565 |
| Loan and lease loss provision to assets | 0.2859% | 1,272 |
| Net operating income to assets | 0.5555% | 4,524 |
| Return on assets (ROA) | 0.5482% | 4,727 |
| Pretax return on assets | 0.8616% | 4,060 |
| Return on Equity (ROE) | 6.5539% | 3,851 |
| Retained earnings to average equity (ytd only) | 6.0435% | 2,409 |
| Net charge-offs to loans | 0.7187% | 905 |
| Credit loss provision to net charge-offs | 55.6380% | 3,106 |
| Earnings coverage of net charge-offs (x) | 2.2552% | 3,771 |
| Efficiency ratio | 75.2241% | 2,906 |
| Assets per employee ($millions) | 3.1508% | 5,584 |
| Cash dividends to net income (ytd only)* | 7.7886% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 5,404 |
| Loan loss allowance to noncurrent loans | 45.6355% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 1.8569% | 2,332 |
| Noncurrent loans to loans | 2.4306% | 1,928 |
| Net loans and leases to total assets | 71.1144% | 1,707 |
| Net loans and leases to deposits | 79.7250% | 2,364 |
| Net loans and leases to core deposits | 95.1849% | 1,426 |
| Total domestic deposits to total assets | 89.1996% | 1,505 |
| Equity capital to assets | 8.3616% | 5,908 |
| Core capital (leverage) ratio | 8.5256% | 5,642 |
| Tier 1 risk-based capital ratio | 10.8341% | 6,402 |
| Total risk-based capital ratio | 11.8501% | 6,449 |
| Memoranda: | ||
| Average total assets | $262,317,330 | 2,436 |
| Average earning assets | $241,289,670 | 2,439 |
| Average equity | $21,941,000 | 2,996 |
| Average total loans | $187,550,000 | 2,131 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5329% | 2,052 |
| Cost of funding earning assets | 0.4943% | 4,142 |
| Net interest margin | 4.0386% | 1,652 |
| Noninterest income to average assets | 0.9577% | 1,583 |
| Noninterest expense to average assets | 3.8140% | 1,094 |
| Loan and lease loss provision to assets | 0.3273% | 1,029 |
| Net operating income to assets | 0.3551% | 5,330 |
| Return on assets (ROA) | 0.3395% | 5,541 |
| Pretax return on assets | 0.5009% | 5,254 |
| Return on Equity (ROE) | 4.0586% | 5,063 |
| Retained earnings to average equity (ytd only) | 4.0586% | 3,795 |
| Net charge-offs to loans | 0.7240% | 842 |
| Credit loss provision to net charge-offs | 63.4218% | 2,387 |
| Earnings coverage of net charge-offs (x) | 1.6490% | 3,278 |
| Efficiency ratio | 81.7559% | 2,076 |
| Assets per employee ($millions) | 3.1881% | 5,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 5,095 |
| Loan loss allowance to noncurrent loans | 50.6951% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 1.7932% | 2,612 |
| Noncurrent loans to loans | 2.4066% | 2,156 |
| Net loans and leases to total assets | 69.1808% | 1,807 |
| Net loans and leases to deposits | 77.3847% | 2,434 |
| Net loans and leases to core deposits | 92.5154% | 1,453 |
| Total domestic deposits to total assets | 89.3985% | 1,418 |
| Equity capital to assets | 8.3272% | 6,169 |
| Core capital (leverage) ratio | 8.4241% | 5,675 |
| Tier 1 risk-based capital ratio | 10.7274% | 6,511 |
| Total risk-based capital ratio | 11.8398% | 6,525 |
| Memoranda: | ||
| Average total assets | $262,717,000 | 2,463 |
| Average earning assets | $241,170,000 | 2,465 |
| Average equity | $21,978,000 | 3,029 |
| Average total loans | $187,293,500 | 2,145 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6988% | 2,599 |
| Cost of funding earning assets | 0.6564% | 3,859 |
| Net interest margin | 4.0424% | 2,228 |
| Noninterest income to average assets | 1.2667% | 971 |
| Noninterest expense to average assets | 4.2323% | 736 |
| Loan and lease loss provision to assets | 0.5551% | 1,027 |
| Net operating income to assets | 0.1359% | 5,925 |
| Return on assets (ROA) | 0.2958% | 5,691 |
| Pretax return on assets | 0.3876% | 5,603 |
| Return on Equity (ROE) | 3.3589% | 5,402 |
| Retained earnings to average equity (ytd only) | 1.3932% | 5,180 |
| Net charge-offs to loans | 0.7154% | 1,647 |
| Credit loss provision to net charge-offs | 108.2043% | 2,727 |
| Earnings coverage of net charge-offs (x) | 1.4272% | 4,739 |
| Efficiency ratio | 85.2504% | 1,498 |
| Assets per employee ($millions) | 3.1424% | 5,753 |
| Cash dividends to net income (ytd only)* | 58.5235% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 4,819 |
| Loan loss allowance to noncurrent loans | 51.9608% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 1.8691% | 2,615 |
| Noncurrent loans to loans | 2.4252% | 2,193 |
| Net loans and leases to total assets | 71.6506% | 1,543 |
| Net loans and leases to deposits | 80.3307% | 2,236 |
| Net loans and leases to core deposits | 95.7313% | 1,330 |
| Total domestic deposits to total assets | 89.1945% | 1,437 |
| Equity capital to assets | 8.4046% | 6,119 |
| Core capital (leverage) ratio | 8.5922% | 5,473 |
| Tier 1 risk-based capital ratio | 10.6476% | 6,500 |
| Total risk-based capital ratio | 11.8243% | 6,496 |
| Memoranda: | ||
| Average total assets | $251,826,000 | 2,511 |
| Average earning assets | $230,357,600 | 2,504 |
| Average equity | $22,179,600 | 2,953 |
| Average total loans | $180,599,800 | 2,194 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7485% | 2,581 |
| Cost of funding earning assets | 0.6736% | 3,989 |
| Net interest margin | 4.0749% | 2,195 |
| Noninterest income to average assets | 1.1993% | 1,053 |
| Noninterest expense to average assets | 3.6632% | 1,429 |
| Loan and lease loss provision to assets | 0.5999% | 926 |
| Net operating income to assets | 0.4585% | 5,000 |
| Return on assets (ROA) | 0.6539% | 4,390 |
| Pretax return on assets | 0.9456% | 3,936 |
| Return on Equity (ROE) | 7.3365% | 3,622 |
| Retained earnings to average equity (ytd only) | 5.3046% | 3,153 |
| Net charge-offs to loans | 0.7539% | 1,468 |
| Credit loss provision to net charge-offs | 111.2983% | 2,632 |
| Earnings coverage of net charge-offs (x) | 2.3419% | 4,108 |
| Efficiency ratio | 74.3709% | 2,922 |
| Assets per employee ($millions) | 3.0900% | 5,878 |
| Cash dividends to net income (ytd only)* | 27.6961% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 4,750 |
| Loan loss allowance to noncurrent loans | 45.1509% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 2.2042% | 2,431 |
| Noncurrent loans to loans | 2.9098% | 1,919 |
| Net loans and leases to total assets | 70.9426% | 1,729 |
| Net loans and leases to deposits | 80.0439% | 2,382 |
| Net loans and leases to core deposits | 95.1638% | 1,472 |
| Total domestic deposits to total assets | 88.6296% | 1,640 |
| Equity capital to assets | 8.9514% | 5,869 |
| Core capital (leverage) ratio | 8.4338% | 5,850 |
| Tier 1 risk-based capital ratio | 10.8778% | 6,526 |
| Total risk-based capital ratio | 12.0979% | 6,522 |
| Memoranda: | ||
| Average total assets | $249,577,500 | 2,562 |
| Average earning assets | $228,218,750 | 2,546 |
| Average equity | $22,244,250 | 2,975 |
| Average total loans | $178,433,750 | 2,250 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7084% | 2,879 |
| Cost of funding earning assets | 0.6887% | 4,106 |
| Net interest margin | 4.0196% | 2,416 |
| Noninterest income to average assets | 1.2500% | 912 |
| Noninterest expense to average assets | 3.6374% | 1,496 |
| Loan and lease loss provision to assets | 0.6613% | 859 |
| Net operating income to assets | 0.4365% | 5,089 |
| Return on assets (ROA) | 0.7032% | 4,115 |
| Pretax return on assets | 1.0084% | 3,671 |
| Return on Equity (ROE) | 7.9009% | 3,302 |
| Retained earnings to average equity (ytd only) | 5.7108% | 2,874 |
| Net charge-offs to loans | 0.5373% | 1,986 |
| Credit loss provision to net charge-offs | 172.4790% | 1,631 |
| Earnings coverage of net charge-offs (x) | 3.3613% | 3,403 |
| Efficiency ratio | 73.8391% | 3,104 |
| Assets per employee ($millions) | 3.0190% | 6,030 |
| Cash dividends to net income (ytd only)* | 27.7205% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4546% | 4,230 |
| Loan loss allowance to noncurrent loans | 54.1126% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 1.9129% | 2,889 |
| Noncurrent loans to loans | 2.6881% | 2,239 |
| Net loans and leases to total assets | 70.1281% | 1,899 |
| Net loans and leases to deposits | 79.0590% | 2,517 |
| Net loans and leases to core deposits | 94.2194% | 1,582 |
| Total domestic deposits to total assets | 88.7036% | 1,704 |
| Equity capital to assets | 8.8256% | 5,882 |
| Core capital (leverage) ratio | 8.4652% | 5,692 |
| Tier 1 risk-based capital ratio | 10.8080% | 6,577 |
| Total risk-based capital ratio | 12.0623% | 6,559 |
| Memoranda: | ||
| Average total assets | $248,310,670 | 2,566 |
| Average earning assets | $227,085,670 | 2,560 |
| Average equity | $22,098,670 | 2,975 |
| Average total loans | $177,196,330 | 2,269 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7833% | 2,695 |
| Cost of funding earning assets | 0.7115% | 4,184 |
| Net interest margin | 4.0718% | 2,206 |
| Noninterest income to average assets | 1.2716% | 877 |
| Noninterest expense to average assets | 3.7286% | 1,334 |
| Loan and lease loss provision to assets | 0.4364% | 1,431 |
| Net operating income to assets | 0.5921% | 4,381 |
| Return on assets (ROA) | 0.9932% | 2,702 |
| Pretax return on assets | 1.3986% | 2,193 |
| Return on Equity (ROE) | 11.1124% | 1,977 |
| Retained earnings to average equity (ytd only) | 8.9081% | 1,621 |
| Net charge-offs to loans | 0.8590% | 1,195 |
| Credit loss provision to net charge-offs | 71.0875% | 2,889 |
| Earnings coverage of net charge-offs (x) | 2.0690% | 3,323 |
| Efficiency ratio | 74.5928% | 3,007 |
| Assets per employee ($millions) | 2.9666% | 6,227 |
| Cash dividends to net income (ytd only)* | 19.8361% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 5,327 |
| Loan loss allowance to noncurrent loans | 44.7216% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 1.9463% | 2,976 |
| Noncurrent loans to loans | 2.7683% | 2,342 |
| Net loans and leases to total assets | 69.4342% | 1,852 |
| Net loans and leases to deposits | 78.3716% | 2,438 |
| Net loans and leases to core deposits | 93.5499% | 1,500 |
| Total domestic deposits to total assets | 88.5962% | 1,957 |
| Equity capital to assets | 8.8970% | 5,640 |
| Core capital (leverage) ratio | 8.6433% | 5,390 |
| Tier 1 risk-based capital ratio | 11.0675% | 6,507 |
| Total risk-based capital ratio | 12.2171% | 6,541 |
| Memoranda: | ||
| Average total assets | $245,669,500 | 2,603 |
| Average earning assets | $224,866,000 | 2,603 |
| Average equity | $21,957,500 | 2,982 |
| Average total loans | $175,562,000 | 2,301 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9549% | 3,087 |
| Cost of funding earning assets | 0.8496% | 4,472 |
| Net interest margin | 4.1054% | 2,406 |
| Noninterest income to average assets | 0.9973% | 1,374 |
| Noninterest expense to average assets | 3.5372% | 1,893 |
| Loan and lease loss provision to assets | 0.3826% | 2,701 |
| Net operating income to assets | 0.5722% | 4,135 |
| Return on assets (ROA) | 0.7315% | 3,507 |
| Pretax return on assets | 1.0481% | 3,040 |
| Return on Equity (ROE) | 8.6195% | 2,623 |
| Retained earnings to average equity (ytd only) | 6.4515% | 1,771 |
| Net charge-offs to loans | 0.3643% | 3,583 |
| Credit loss provision to net charge-offs | 146.8750% | 1,946 |
| Earnings coverage of net charge-offs (x) | 4.6188% | 3,046 |
| Efficiency ratio | 74.6179% | 3,120 |
| Assets per employee ($millions) | 2.9174% | 6,258 |
| Cash dividends to net income (ytd only)* | 25.1530% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 4,926 |
| Loan loss allowance to noncurrent loans | 49.2012% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 1.9129% | 3,094 |
| Noncurrent loans to loans | 2.6329% | 2,472 |
| Net loans and leases to total assets | 71.7133% | 1,693 |
| Net loans and leases to deposits | 80.0904% | 2,502 |
| Net loans and leases to core deposits | 95.3664% | 1,555 |
| Total domestic deposits to total assets | 89.5404% | 1,243 |
| Equity capital to assets | 8.9799% | 5,574 |
| Core capital (leverage) ratio | 8.1521% | 6,069 |
| Tier 1 risk-based capital ratio | 10.8297% | 6,542 |
| Total risk-based capital ratio | 12.0420% | 6,545 |
| Memoranda: | ||
| Average total assets | $245,672,800 | 2,575 |
| Average earning assets | $223,998,400 | 2,565 |
| Average equity | $20,848,000 | 3,026 |
| Average total loans | $175,671,600 | 2,313 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9761% | 3,208 |
| Cost of funding earning assets | 0.8717% | 4,624 |
| Net interest margin | 4.1044% | 2,456 |
| Noninterest income to average assets | 0.9393% | 1,517 |
| Noninterest expense to average assets | 3.3993% | 2,188 |
| Loan and lease loss provision to assets | 0.4645% | 2,131 |
| Net operating income to assets | 0.5502% | 4,319 |
| Return on assets (ROA) | 0.7528% | 3,534 |
| Pretax return on assets | 1.1156% | 2,941 |
| Return on Equity (ROE) | 8.9990% | 2,599 |
| Retained earnings to average equity (ytd only) | 6.7040% | 2,130 |
| Net charge-offs to loans | 0.3538% | 3,324 |
| Credit loss provision to net charge-offs | 184.3348% | 1,597 |
| Earnings coverage of net charge-offs (x) | 5.0708% | 2,883 |
| Efficiency ratio | 72.6789% | 3,425 |
| Assets per employee ($millions) | 3.2072% | 5,662 |
| Cash dividends to net income (ytd only)* | 25.5028% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 4,762 |
| Loan loss allowance to noncurrent loans | 64.4916% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 1.5258% | 3,817 |
| Noncurrent loans to loans | 2.0979% | 3,246 |
| Net loans and leases to total assets | 69.1336% | 2,256 |
| Net loans and leases to deposits | 77.8891% | 3,018 |
| Net loans and leases to core deposits | 92.3212% | 1,966 |
| Total domestic deposits to total assets | 88.7590% | 1,576 |
| Equity capital to assets | 8.5623% | 6,235 |
| Core capital (leverage) ratio | 8.1005% | 6,280 |
| Tier 1 risk-based capital ratio | 10.6094% | 6,731 |
| Total risk-based capital ratio | 11.8593% | 6,716 |
| Memoranda: | ||
| Average total assets | $246,555,500 | 2,570 |
| Average earning assets | $224,532,750 | 2,570 |
| Average equity | $20,624,000 | 3,058 |
| Average total loans | $175,607,750 | 2,317 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9797% | 3,254 |
| Cost of funding earning assets | 0.8905% | 4,753 |
| Net interest margin | 4.0892% | 2,449 |
| Noninterest income to average assets | 0.9774% | 1,381 |
| Noninterest expense to average assets | 3.3829% | 2,311 |
| Loan and lease loss provision to assets | 0.4826% | 2,042 |
| Net operating income to assets | 0.5733% | 4,194 |
| Return on assets (ROA) | 0.6301% | 4,033 |
| Pretax return on assets | 0.9113% | 3,576 |
| Return on Equity (ROE) | 7.5938% | 3,142 |
| Retained earnings to average equity (ytd only) | 5.0593% | 2,969 |
| Net charge-offs to loans | 0.1764% | 4,110 |
| Credit loss provision to net charge-offs | 381.9355% | 790 |
| Earnings coverage of net charge-offs (x) | 10.3806% | 1,818 |
| Efficiency ratio | 72.0611% | 3,720 |
| Assets per employee ($millions) | 3.4443% | 5,091 |
| Cash dividends to net income (ytd only)* | 33.3765% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 4,713 |
| Loan loss allowance to noncurrent loans | 46.4526% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 2.1533% | 3,044 |
| Noncurrent loans to loans | 2.9556% | 2,455 |
| Net loans and leases to total assets | 69.9842% | 2,221 |
| Net loans and leases to deposits | 78.9103% | 2,978 |
| Net loans and leases to core deposits | 92.9106% | 2,030 |
| Total domestic deposits to total assets | 88.6884% | 1,726 |
| Equity capital to assets | 8.4152% | 6,286 |
| Core capital (leverage) ratio | 8.0348% | 6,256 |
| Tier 1 risk-based capital ratio | 10.1694% | 6,925 |
| Total risk-based capital ratio | 11.4243% | 6,912 |
| Memoranda: | ||
| Average total assets | $245,352,330 | 2,597 |
| Average earning assets | $223,027,670 | 2,612 |
| Average equity | $20,358,670 | 3,079 |
| Average total loans | $175,703,670 | 2,339 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9657% | 3,262 |
| Cost of funding earning assets | 0.9020% | 4,907 |
| Net interest margin | 4.0636% | 2,415 |
| Noninterest income to average assets | 0.9097% | 1,631 |
| Noninterest expense to average assets | 3.5618% | 1,847 |
| Loan and lease loss provision to assets | 0.4426% | 1,991 |
| Net operating income to assets | 0.4236% | 4,839 |
| Return on assets (ROA) | 0.4327% | 4,873 |
| Pretax return on assets | 0.6180% | 4,619 |
| Return on Equity (ROE) | 5.2528% | 4,265 |
| Retained earnings to average equity (ytd only) | 2.0494% | 4,907 |
| Net charge-offs to loans | 0.4352% | 2,395 |
| Credit loss provision to net charge-offs | 141.3613% | 1,990 |
| Earnings coverage of net charge-offs (x) | 3.3455% | 2,771 |
| Efficiency ratio | 77.2760% | 2,945 |
| Assets per employee ($millions) | 3.1588% | 5,820 |
| Cash dividends to net income (ytd only)* | 60.9848% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1773% | 5,730 |
| Loan loss allowance to noncurrent loans | 39.6455% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 2.4750% | 2,756 |
| Noncurrent loans to loans | 2.9697% | 2,530 |
| Net loans and leases to total assets | 71.0204% | 1,913 |
| Net loans and leases to deposits | 79.5135% | 2,804 |
| Net loans and leases to core deposits | 92.0594% | 2,124 |
| Total domestic deposits to total assets | 89.3188% | 1,581 |
| Equity capital to assets | 8.3189% | 6,140 |
| Core capital (leverage) ratio | 7.9134% | 6,348 |
| Tier 1 risk-based capital ratio | 9.9148% | 7,032 |
| Total risk-based capital ratio | 10.9869% | 7,089 |
| Memoranda: | ||
| Average total assets | $244,032,000 | 2,626 |
| Average earning assets | $222,165,500 | 2,634 |
| Average equity | $20,103,500 | 3,096 |
| Average total loans | $175,569,500 | 2,357 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3266% | 2,994 |
| Cost of funding earning assets | 1.2580% | 4,160 |
| Net interest margin | 4.0685% | 2,714 |
| Noninterest income to average assets | 1.2919% | 880 |
| Noninterest expense to average assets | 3.4499% | 2,304 |
| Loan and lease loss provision to assets | 1.2298% | 1,264 |
| Net operating income to assets | 0.2705% | 5,032 |
| Return on assets (ROA) | 0.2898% | 5,131 |
| Pretax return on assets | 0.3552% | 5,067 |
| Return on Equity (ROE) | 3.4295% | 4,782 |
| Retained earnings to average equity (ytd only) | 2.3013% | 4,269 |
| Net charge-offs to loans | 1.4339% | 1,547 |
| Credit loss provision to net charge-offs | 118.2556% | 3,600 |
| Earnings coverage of net charge-offs (x) | 1.5014% | 4,630 |
| Efficiency ratio | 68.8416% | 4,394 |
| Assets per employee ($millions) | 3.4484% | 5,061 |
| Cash dividends to net income (ytd only)* | 32.8967% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 5,865 |
| Loan loss allowance to noncurrent loans | 31.3928% | 6,208 |
| Noncurrent assets plus other real estate owned to assets | 2.9134% | 2,404 |
| Noncurrent loans to loans | 3.5750% | 2,099 |
| Net loans and leases to total assets | 71.2152% | 2,257 |
| Net loans and leases to deposits | 79.2303% | 3,303 |
| Net loans and leases to core deposits | 92.9820% | 2,390 |
| Total domestic deposits to total assets | 89.8838% | 1,174 |
| Equity capital to assets | 8.1578% | 6,309 |
| Core capital (leverage) ratio | 7.8755% | 6,351 |
| Tier 1 risk-based capital ratio | 9.9871% | 6,987 |
| Total risk-based capital ratio | 11.0328% | 7,055 |
| Memoranda: | ||
| Average total assets | $237,023,000 | 2,671 |
| Average earning assets | $216,687,400 | 2,666 |
| Average equity | $20,031,800 | 3,144 |
| Average total loans | $171,908,800 | 2,444 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3610% | 3,069 |
| Cost of funding earning assets | 1.3384% | 3,985 |
| Net interest margin | 4.0226% | 2,999 |
| Noninterest income to average assets | 0.6557% | 3,092 |
| Noninterest expense to average assets | 2.8626% | 4,230 |
| Loan and lease loss provision to assets | 1.5768% | 827 |
| Net operating income to assets | 0.0296% | 5,933 |
| Return on assets (ROA) | 0.0499% | 6,016 |
| Pretax return on assets | -0.0749% | 6,193 |
| Return on Equity (ROE) | 0.5853% | 5,993 |
| Retained earnings to average equity (ytd only) | -0.9179% | 5,999 |
| Net charge-offs to loans | 0.8329% | 2,372 |
| Credit loss provision to net charge-offs | 260.5436% | 1,269 |
| Earnings coverage of net charge-offs (x) | 2.4292% | 3,960 |
| Efficiency ratio | 66.0689% | 4,841 |
| Assets per employee ($millions) | 4.0272% | 3,779 |
| Cash dividends to net income (ytd only)* | 256.8226% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8097% | 2,753 |
| Loan loss allowance to noncurrent loans | 59.5627% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 2.6119% | 2,768 |
| Noncurrent loans to loans | 3.0384% | 2,626 |
| Net loans and leases to total assets | 74.0307% | 1,798 |
| Net loans and leases to deposits | 82.8685% | 2,940 |
| Net loans and leases to core deposits | 102.1718% | 1,637 |
| Total domestic deposits to total assets | 89.3352% | 1,208 |
| Equity capital to assets | 8.4258% | 6,362 |
| Core capital (leverage) ratio | 8.0845% | 6,219 |
| Tier 1 risk-based capital ratio | 10.0362% | 7,048 |
| Total risk-based capital ratio | 11.2914% | 7,034 |
| Memoranda: | ||
| Average total assets | $235,070,250 | 2,724 |
| Average earning assets | $214,880,500 | 2,726 |
| Average equity | $20,046,500 | 3,188 |
| Average total loans | $170,801,500 | 2,497 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3365% | 3,281 |
| Cost of funding earning assets | 1.3570% | 4,147 |
| Net interest margin | 3.9795% | 3,121 |
| Noninterest income to average assets | 0.6216% | 3,181 |
| Noninterest expense to average assets | 2.8144% | 4,425 |
| Loan and lease loss provision to assets | 0.8607% | 1,689 |
| Net operating income to assets | 0.4597% | 4,509 |
| Return on assets (ROA) | 0.4970% | 4,498 |
| Pretax return on assets | 0.6353% | 4,453 |
| Return on Equity (ROE) | 5.8039% | 3,893 |
| Retained earnings to average equity (ytd only) | 4.3579% | 3,300 |
| Net charge-offs to loans | 1.0534% | 1,785 |
| Credit loss provision to net charge-offs | 113.8983% | 3,572 |
| Earnings coverage of net charge-offs (x) | 1.9164% | 4,082 |
| Efficiency ratio | 66.0256% | 4,976 |
| Assets per employee ($millions) | 4.0110% | 3,755 |
| Cash dividends to net income (ytd only)* | 24.9141% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9529% | 6,588 |
| Loan loss allowance to noncurrent loans | 40.0097% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 2.0672% | 3,426 |
| Noncurrent loans to loans | 2.3818% | 3,274 |
| Net loans and leases to total assets | 72.5571% | 2,265 |
| Net loans and leases to deposits | 81.3446% | 3,373 |
| Net loans and leases to core deposits | 100.3999% | 1,973 |
| Total domestic deposits to total assets | 89.1972% | 1,325 |
| Equity capital to assets | 8.5670% | 6,070 |
| Core capital (leverage) ratio | 8.4655% | 5,470 |
| Tier 1 risk-based capital ratio | 10.5103% | 6,678 |
| Total risk-based capital ratio | 11.3827% | 6,922 |
| Memoranda: | ||
| Average total assets | $234,225,670 | 2,758 |
| Average earning assets | $214,297,670 | 2,759 |
| Average equity | $20,055,330 | 3,162 |
| Average total loans | $168,021,330 | 2,582 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2812% | 3,638 |
| Cost of funding earning assets | 1.3766% | 4,321 |
| Net interest margin | 3.9046% | 3,306 |
| Noninterest income to average assets | 0.7502% | 2,300 |
| Noninterest expense to average assets | 2.8822% | 4,129 |
| Loan and lease loss provision to assets | 0.6540% | 1,939 |
| Net operating income to assets | 0.6373% | 3,721 |
| Return on assets (ROA) | 0.7124% | 3,491 |
| Pretax return on assets | 0.8806% | 3,537 |
| Return on Equity (ROE) | 8.3225% | 2,726 |
| Retained earnings to average equity (ytd only) | 7.5203% | 1,915 |
| Net charge-offs to loans | 1.0402% | 1,588 |
| Credit loss provision to net charge-offs | 88.6047% | 3,690 |
| Earnings coverage of net charge-offs (x) | 1.9535% | 3,560 |
| Efficiency ratio | 66.6534% | 4,981 |
| Assets per employee ($millions) | 3.9882% | 3,898 |
| Cash dividends to net income (ytd only)* | 9.6386% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 6,885 |
| Loan loss allowance to noncurrent loans | 36.6427% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 1.7165% | 3,898 |
| Noncurrent loans to loans | 2.4140% | 3,259 |
| Net loans and leases to total assets | 70.4795% | 2,804 |
| Net loans and leases to deposits | 78.7131% | 3,904 |
| Net loans and leases to core deposits | 102.3679% | 1,863 |
| Total domestic deposits to total assets | 89.5398% | 1,216 |
| Equity capital to assets | 8.5524% | 5,933 |
| Core capital (leverage) ratio | 8.5601% | 5,276 |
| Tier 1 risk-based capital ratio | 10.5072% | 6,626 |
| Total risk-based capital ratio | 11.2911% | 6,994 |
| Memoranda: | ||
| Average total assets | $233,013,000 | 2,836 |
| Average earning assets | $213,286,000 | 2,828 |
| Average equity | $19,946,000 | 3,209 |
| Average total loans | $165,352,500 | 2,682 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3642% | 4,866 |
| Cost of funding earning assets | 1.9565% | 3,178 |
| Net interest margin | 3.4077% | 5,337 |
| Noninterest income to average assets | 0.5541% | 3,990 |
| Noninterest expense to average assets | 2.9417% | 4,377 |
| Loan and lease loss provision to assets | 0.8660% | 2,577 |
| Net operating income to assets | -0.0910% | 5,667 |
| Return on assets (ROA) | 0.0942% | 5,267 |
| Pretax return on assets | 0.0602% | 5,299 |
| Return on Equity (ROE) | 1.0489% | 5,219 |
| Retained earnings to average equity (ytd only) | 0.8443% | 4,427 |
| Net charge-offs to loans | 1.0591% | 2,292 |
| Credit loss provision to net charge-offs | 113.6227% | 4,823 |
| Earnings coverage of net charge-offs (x) | 0.9723% | 5,144 |
| Efficiency ratio | 79.8777% | 2,908 |
| Assets per employee ($millions) | 4.1201% | 3,571 |
| Cash dividends to net income (ytd only)* | 19.5122% | 3,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9358% | 6,686 |
| Loan loss allowance to noncurrent loans | 33.0309% | 6,248 |
| Noncurrent assets plus other real estate owned to assets | 2.0063% | 3,388 |
| Noncurrent loans to loans | 2.8332% | 2,720 |
| Net loans and leases to total assets | 70.1515% | 3,218 |
| Net loans and leases to deposits | 78.2216% | 4,327 |
| Net loans and leases to core deposits | 115.9650% | 2,322 |
| Total domestic deposits to total assets | 89.6830% | 1,119 |
| Equity capital to assets | 8.5678% | 5,771 |
| Core capital (leverage) ratio | 8.3691% | 5,505 |
| Tier 1 risk-based capital ratio | 10.8360% | 6,081 |
| Total risk-based capital ratio | 11.6873% | 6,430 |
| Memoranda: | ||
| Average total assets | $217,662,000 | 2,975 |
| Average earning assets | $199,843,800 | 2,970 |
| Average equity | $19,543,600 | 3,275 |
| Average total loans | $156,636,000 | 2,821 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3428% | 5,208 |
| Cost of funding earning assets | 2.0335% | 3,198 |
| Net interest margin | 3.3093% | 5,607 |
| Noninterest income to average assets | 0.5497% | 4,076 |
| Noninterest expense to average assets | 3.0584% | 3,812 |
| Loan and lease loss provision to assets | 1.0504% | 1,835 |
| Net operating income to assets | -0.2630% | 6,154 |
| Return on assets (ROA) | -0.1412% | 5,988 |
| Pretax return on assets | -0.3265% | 6,124 |
| Return on Equity (ROE) | -1.5531% | 6,027 |
| Retained earnings to average equity (ytd only) | -1.8268% | 5,686 |
| Net charge-offs to loans | 0.6996% | 2,601 |
| Credit loss provision to net charge-offs | 207.7491% | 2,132 |
| Earnings coverage of net charge-offs (x) | 1.0554% | 4,999 |
| Efficiency ratio | 85.1454% | 2,165 |
| Assets per employee ($millions) | 3.8512% | 4,076 |
| Cash dividends to net income (ytd only)* | -17.6204% | 7,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 4,324 |
| Loan loss allowance to noncurrent loans | 34.5161% | 6,123 |
| Noncurrent assets plus other real estate owned to assets | 2.7321% | 2,543 |
| Noncurrent loans to loans | 3.8503% | 1,928 |
| Net loans and leases to total assets | 70.0142% | 3,515 |
| Net loans and leases to deposits | 78.4347% | 4,674 |
| Net loans and leases to core deposits | 117.0926% | 2,517 |
| Total domestic deposits to total assets | 89.2642% | 1,077 |
| Equity capital to assets | 8.4126% | 6,368 |
| Core capital (leverage) ratio | 8.4968% | 5,502 |
| Tier 1 risk-based capital ratio | 10.5988% | 6,344 |
| Total risk-based capital ratio | 11.8115% | 6,365 |
| Memoranda: | ||
| Average total assets | $214,396,250 | 3,031 |
| Average earning assets | $197,093,500 | 3,028 |
| Average equity | $19,487,500 | 3,317 |
| Average total loans | $154,948,500 | 2,870 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3348% | 5,475 |
| Cost of funding earning assets | 2.0897% | 3,322 |
| Net interest margin | 3.2450% | 5,752 |
| Noninterest income to average assets | 0.5373% | 4,132 |
| Noninterest expense to average assets | 3.1718% | 3,423 |
| Loan and lease loss provision to assets | 0.4865% | 3,101 |
| Net operating income to assets | -0.0505% | 5,924 |
| Return on assets (ROA) | 0.0029% | 5,905 |
| Pretax return on assets | -0.0546% | 5,945 |
| Return on Equity (ROE) | 0.0308% | 5,910 |
| Retained earnings to average equity (ytd only) | -0.3794% | 5,316 |
| Net charge-offs to loans | 0.3133% | 3,621 |
| Credit loss provision to net charge-offs | 213.4454% | 2,156 |
| Earnings coverage of net charge-offs (x) | 1.5294% | 4,393 |
| Efficiency ratio | 90.0979% | 1,796 |
| Assets per employee ($millions) | 3.6264% | 4,506 |
| Cash dividends to net income (ytd only)* | 1,333.3333% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 6,204 |
| Loan loss allowance to noncurrent loans | 29.9448% | 6,482 |
| Noncurrent assets plus other real estate owned to assets | 2.3746% | 2,731 |
| Noncurrent loans to loans | 3.3547% | 2,096 |
| Net loans and leases to total assets | 70.0745% | 3,692 |
| Net loans and leases to deposits | 78.3984% | 4,803 |
| Net loans and leases to core deposits | 122.1516% | 2,198 |
| Total domestic deposits to total assets | 89.3826% | 1,091 |
| Equity capital to assets | 8.7766% | 5,632 |
| Core capital (leverage) ratio | 8.8326% | 4,893 |
| Tier 1 risk-based capital ratio | 11.4318% | 5,465 |
| Total risk-based capital ratio | 12.3648% | 5,680 |
| Memoranda: | ||
| Average total assets | $208,838,670 | 3,121 |
| Average earning assets | $191,985,000 | 3,119 |
| Average equity | $19,503,670 | 3,323 |
| Average total loans | $151,944,670 | 2,941 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5099% | 4,859 |
| Cost of funding earning assets | 2.1262% | 3,529 |
| Net interest margin | 3.3838% | 5,200 |
| Noninterest income to average assets | 0.4145% | 5,098 |
| Noninterest expense to average assets | 3.1562% | 3,168 |
| Loan and lease loss provision to assets | 0.2842% | 3,685 |
| Net operating income to assets | 0.0651% | 6,081 |
| Return on assets (ROA) | 0.0651% | 6,239 |
| Pretax return on assets | 0.0809% | 6,208 |
| Return on Equity (ROE) | 0.6753% | 6,233 |
| Retained earnings to average equity (ytd only) | 0.6753% | 5,391 |
| Net charge-offs to loans | 0.2941% | 2,933 |
| Credit loss provision to net charge-offs | 130.9091% | 3,063 |
| Earnings coverage of net charge-offs (x) | 1.6818% | 3,888 |
| Efficiency ratio | 89.6300% | 1,753 |
| Assets per employee ($millions) | 3.5851% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8720% | 6,866 |
| Loan loss allowance to noncurrent loans | 46.7319% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 1.3526% | 3,961 |
| Noncurrent loans to loans | 1.8659% | 3,467 |
| Net loans and leases to total assets | 71.8569% | 3,273 |
| Net loans and leases to deposits | 80.9169% | 4,468 |
| Net loans and leases to core deposits | 121.1605% | 2,318 |
| Total domestic deposits to total assets | 88.8034% | 1,339 |
| Equity capital to assets | 9.2951% | 4,944 |
| Core capital (leverage) ratio | 9.5448% | 3,930 |
| Tier 1 risk-based capital ratio | 12.1055% | 4,866 |
| Total risk-based capital ratio | 12.9422% | 5,132 |
| Memoranda: | ||
| Average total assets | $202,651,500 | 3,211 |
| Average earning assets | $186,063,500 | 3,210 |
| Average equity | $19,548,000 | 3,333 |
| Average total loans | $149,623,500 | 3,008 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9236% | 5,930 |
| Cost of funding earning assets | 1.9397% | 6,617 |
| Net interest margin | 3.9839% | 3,198 |
| Noninterest income to average assets | 0.7190% | 2,996 |
| Noninterest expense to average assets | 3.3045% | 2,948 |
| Loan and lease loss provision to assets | 0.3192% | 3,820 |
| Net operating income to assets | 0.5567% | 4,497 |
| Return on assets (ROA) | 0.5794% | 4,258 |
| Pretax return on assets | 0.7676% | 4,190 |
| Return on Equity (ROE) | 5.0687% | 4,353 |
| Retained earnings to average equity (ytd only) | 0.3853% | 5,012 |
| Net charge-offs to loans | 0.6098% | 2,011 |
| Credit loss provision to net charge-offs | 71.2644% | 6,057 |
| Earnings coverage of net charge-offs (x) | 2.3589% | 4,902 |
| Efficiency ratio | 75.7739% | 3,273 |
| Assets per employee ($millions) | 3.1255% | 5,698 |
| Cash dividends to net income (ytd only)* | 92.3988% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8930% | 6,715 |
| Loan loss allowance to noncurrent loans | 64.2505% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 1.0465% | 4,201 |
| Noncurrent loans to loans | 1.3898% | 3,736 |
| Net loans and leases to total assets | 74.6274% | 2,961 |
| Net loans and leases to deposits | 85.1108% | 4,239 |
| Net loans and leases to core deposits | 122.2410% | 2,484 |
| Total domestic deposits to total assets | 87.6827% | 1,616 |
| Equity capital to assets | 10.0292% | 4,002 |
| Core capital (leverage) ratio | 10.0016% | 3,446 |
| Tier 1 risk-based capital ratio | 12.7784% | 4,240 |
| Total risk-based capital ratio | 13.6408% | 4,408 |
| Memoranda: | ||
| Average total assets | $174,823,000 | 3,478 |
| Average earning assets | $159,817,200 | 3,475 |
| Average equity | $19,985,400 | 3,230 |
| Average total loans | $128,398,000 | 3,295 |