Home > De Witt Bank and Trust Company > Performance and Condition Ratios
De Witt Bank and Trust Company, Performance and Condition Ratios
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3061% | 5,300 |
| Cost of funding earning assets | 0.0194% | 5,284 |
| Net interest margin | 0.2867% | 5,298 |
| Noninterest income to average assets | 0.0192% | 5,218 |
| Noninterest expense to average assets | 0.0470% | 5,300 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.1668% | 5,022 |
| Return on assets (ROA) | 0.1668% | 5,031 |
| Pretax return on assets | 0.2245% | 5,006 |
| Return on Equity (ROE) | 1.0278% | 5,045 |
| Retained earnings to average equity (ytd only) | 1.0278% | 4,427 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.3228% | 5,283 |
| Assets per employee ($millions) | 4.9425% | 2,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 30.3490% | 5,091 |
| Net loans and leases to deposits | 34.7231% | 5,122 |
| Net loans and leases to core deposits | 35.8528% | 5,126 |
| Total domestic deposits to total assets | 87.4029% | 1,384 |
| Equity capital to assets | 11.0470% | 2,999 |
| Core capital (leverage) ratio | 7.8872% | 5,189 |
| Tier 1 risk-based capital ratio | 15.1953% | 2,757 |
| Total risk-based capital ratio | 15.1953% | 3,255 |
| Memoranda: | ||
| Average total assets | $93,541,670 | 4,163 |
| Average earning assets | $82,328,330 | 4,234 |
| Average equity | $15,178,330 | 3,663 |
| Average total loans | $26,427,000 | 4,822 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5077% | 5,045 |
| Cost of funding earning assets | 0.1733% | 5,168 |
| Net interest margin | 3.3344% | 4,081 |
| Noninterest income to average assets | 1.1980% | 564 |
| Noninterest expense to average assets | 1.9201% | 4,767 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.2498% | 249 |
| Return on assets (ROA) | 2.2498% | 258 |
| Pretax return on assets | 2.2498% | 398 |
| Return on Equity (ROE) | 12.0761% | 1,505 |
| Retained earnings to average equity (ytd only) | 12.0761% | 597 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0460% | 5,027 |
| Assets per employee ($millions) | 5.4047% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4235% | 90 |
| Loan loss allowance to noncurrent loans | 17.4270% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 5.1375% | 64 |
| Noncurrent loans to loans | 19.6447% | 5 |
| Net loans and leases to total assets | 25.2567% | 5,217 |
| Net loans and leases to deposits | 31.3486% | 5,204 |
| Net loans and leases to core deposits | 32.3733% | 5,208 |
| Total domestic deposits to total assets | 80.5674% | 4,057 |
| Equity capital to assets | 18.9824% | 286 |
| Core capital (leverage) ratio | 18.1766% | 328 |
| Tier 1 risk-based capital ratio | 27.6075% | 584 |
| Total risk-based capital ratio | 28.8589% | 572 |
| Memoranda: | ||
| Average total assets | $95,830,000 | 4,173 |
| Average earning assets | $85,411,500 | 4,234 |
| Average equity | $17,853,500 | 3,365 |
| Average total loans | $26,140,500 | 4,879 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9300% | 4,213 |
| Cost of funding earning assets | 0.1953% | 5,023 |
| Net interest margin | 3.7346% | 2,923 |
| Noninterest income to average assets | 0.3717% | 3,607 |
| Noninterest expense to average assets | 2.6357% | 3,227 |
| Loan and lease loss provision to assets | -1.5843% | 5,403 |
| Net operating income to assets | 2.5823% | 128 |
| Return on assets (ROA) | 2.6378% | 119 |
| Pretax return on assets | 2.6807% | 151 |
| Return on Equity (ROE) | 14.4378% | 952 |
| Retained earnings to average equity (ytd only) | -1.7768% | 5,117 |
| Net charge-offs to loans | -0.2278% | 5,281 |
| Credit loss provision to net charge-offs | 2,292.4242% | 199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7094% | 1,942 |
| Assets per employee ($millions) | 4.7188% | 2,845 |
| Cash dividends to net income (ytd only)* | 112.3065% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2490% | 103 |
| Loan loss allowance to noncurrent loans | 17.4470% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 5.2959% | 66 |
| Noncurrent loans to loans | 18.6222% | 3 |
| Net loans and leases to total assets | 27.5147% | 5,238 |
| Net loans and leases to deposits | 33.9425% | 5,226 |
| Net loans and leases to core deposits | 35.0787% | 5,230 |
| Total domestic deposits to total assets | 81.0628% | 3,875 |
| Equity capital to assets | 18.2675% | 323 |
| Core capital (leverage) ratio | 17.5332% | 364 |
| Tier 1 risk-based capital ratio | 26.0545% | 661 |
| Total risk-based capital ratio | 27.3055% | 654 |
| Memoranda: | ||
| Average total assets | $95,497,800 | 4,173 |
| Average earning assets | $84,479,200 | 4,243 |
| Average equity | $17,447,200 | 3,351 |
| Average total loans | $28,967,600 | 4,843 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9110% | 4,186 |
| Cost of funding earning assets | 0.1873% | 5,066 |
| Net interest margin | 3.7237% | 2,924 |
| Noninterest income to average assets | 0.2060% | 4,729 |
| Noninterest expense to average assets | 2.3554% | 3,960 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1159% | 2,596 |
| Return on assets (ROA) | 1.1874% | 2,287 |
| Pretax return on assets | 1.2180% | 2,920 |
| Return on Equity (ROE) | 6.4992% | 4,104 |
| Retained earnings to average equity (ytd only) | 0.1829% | 5,007 |
| Net charge-offs to loans | -0.2576% | 5,338 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3031% | 2,659 |
| Assets per employee ($millions) | 4.9623% | 2,514 |
| Cash dividends to net income (ytd only)* | 97.1872% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7567% | 16 |
| Loan loss allowance to noncurrent loans | 47.5390% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 5.0360% | 86 |
| Noncurrent loans to loans | 14.2130% | 12 |
| Net loans and leases to total assets | 33.0384% | 5,221 |
| Net loans and leases to deposits | 43.2248% | 5,126 |
| Net loans and leases to core deposits | 45.0021% | 5,139 |
| Total domestic deposits to total assets | 76.4341% | 4,737 |
| Equity capital to assets | 17.4739% | 382 |
| Core capital (leverage) ratio | 18.0062% | 330 |
| Tier 1 risk-based capital ratio | 23.9788% | 848 |
| Total risk-based capital ratio | 25.2537% | 828 |
| Memoranda: | ||
| Average total assets | $95,778,500 | 4,215 |
| Average earning assets | $84,717,000 | 4,286 |
| Average equity | $17,499,000 | 3,377 |
| Average total loans | $29,499,750 | 4,888 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7243% | 4,524 |
| Cost of funding earning assets | 0.1675% | 5,166 |
| Net interest margin | 3.5567% | 3,445 |
| Noninterest income to average assets | 0.2304% | 4,638 |
| Noninterest expense to average assets | 2.3905% | 3,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9389% | 3,280 |
| Return on assets (ROA) | 1.0505% | 2,796 |
| Pretax return on assets | 1.0970% | 3,328 |
| Return on Equity (ROE) | 5.6634% | 4,357 |
| Retained earnings to average equity (ytd only) | -3.7832% | 5,243 |
| Net charge-offs to loans | -0.0724% | 5,051 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9091% | 2,176 |
| Assets per employee ($millions) | 4.7613% | 2,733 |
| Cash dividends to net income (ytd only)* | 166.8008% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5243% | 14 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 30.0593% | 5,325 |
| Net loans and leases to deposits | 37.0058% | 5,307 |
| Net loans and leases to core deposits | 38.0963% | 5,322 |
| Total domestic deposits to total assets | 81.2287% | 3,935 |
| Equity capital to assets | 18.1108% | 313 |
| Core capital (leverage) ratio | 17.9465% | 316 |
| Tier 1 risk-based capital ratio | 25.1373% | 721 |
| Total risk-based capital ratio | 26.4143% | 707 |
| Memoranda: | ||
| Average total assets | $94,623,000 | 4,270 |
| Average earning assets | $83,560,330 | 4,335 |
| Average equity | $17,551,330 | 3,387 |
| Average total loans | $27,611,330 | 4,977 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4249% | 4,985 |
| Cost of funding earning assets | 0.1647% | 5,191 |
| Net interest margin | 3.2602% | 4,291 |
| Noninterest income to average assets | 0.2757% | 4,324 |
| Noninterest expense to average assets | 2.1967% | 4,428 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9330% | 3,143 |
| Return on assets (ROA) | 1.1450% | 2,253 |
| Pretax return on assets | 1.1450% | 2,986 |
| Return on Equity (ROE) | 6.1003% | 4,124 |
| Retained earnings to average equity (ytd only) | -12.6299% | 5,421 |
| Net charge-offs to loans | -0.0463% | 4,936 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1897% | 2,461 |
| Assets per employee ($millions) | 4.5080% | 3,143 |
| Cash dividends to net income (ytd only)* | 307.0370% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.5238% | 6 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 23.3014% | 5,473 |
| Net loans and leases to deposits | 28.6432% | 5,463 |
| Net loans and leases to core deposits | 29.6054% | 5,464 |
| Total domestic deposits to total assets | 81.3506% | 4,120 |
| Equity capital to assets | 18.0642% | 307 |
| Core capital (leverage) ratio | 17.8052% | 320 |
| Tier 1 risk-based capital ratio | 26.1262% | 672 |
| Total risk-based capital ratio | 27.4056% | 660 |
| Memoranda: | ||
| Average total assets | $94,322,000 | 4,316 |
| Average earning assets | $82,571,500 | 4,399 |
| Average equity | $17,704,000 | 3,395 |
| Average total loans | $25,940,500 | 5,079 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0559% | 3,220 |
| Cost of funding earning assets | 0.2259% | 4,748 |
| Net interest margin | 3.8299% | 2,318 |
| Noninterest income to average assets | 0.7996% | 1,567 |
| Noninterest expense to average assets | 2.3776% | 4,137 |
| Loan and lease loss provision to assets | -0.1210% | 5,504 |
| Net operating income to assets | 2.0075% | 281 |
| Return on assets (ROA) | 2.1678% | 205 |
| Pretax return on assets | 2.1386% | 359 |
| Return on Equity (ROE) | 12.0834% | 1,187 |
| Retained earnings to average equity (ytd only) | 7.5873% | 894 |
| Net charge-offs to loans | -0.0094% | 4,776 |
| Credit loss provision to net charge-offs | 4,000.0000% | 100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1429% | 4,759 |
| Assets per employee ($millions) | 4.4750% | 3,229 |
| Cash dividends to net income (ytd only)* | 37.2093% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4327% | 10 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 26.7951% | 5,494 |
| Net loans and leases to deposits | 33.5841% | 5,467 |
| Net loans and leases to core deposits | 34.9663% | 5,475 |
| Total domestic deposits to total assets | 79.7853% | 4,378 |
| Equity capital to assets | 19.4805% | 231 |
| Core capital (leverage) ratio | 17.9806% | 291 |
| Tier 1 risk-based capital ratio | 27.9973% | 542 |
| Total risk-based capital ratio | 29.2784% | 532 |
| Memoranda: | ||
| Average total assets | $99,176,800 | 4,252 |
| Average earning assets | $88,957,800 | 4,310 |
| Average equity | $17,793,000 | 3,395 |
| Average total loans | $32,056,600 | 4,967 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0640% | 3,116 |
| Cost of funding earning assets | 0.2183% | 4,827 |
| Net interest margin | 3.8457% | 2,237 |
| Noninterest income to average assets | 0.5613% | 2,663 |
| Noninterest expense to average assets | 2.3633% | 4,113 |
| Loan and lease loss provision to assets | -0.0929% | 5,577 |
| Net operating income to assets | 1.7189% | 557 |
| Return on assets (ROA) | 1.9374% | 357 |
| Pretax return on assets | 1.9732% | 576 |
| Return on Equity (ROE) | 11.0200% | 1,692 |
| Retained earnings to average equity (ytd only) | 6.4912% | 1,965 |
| Net charge-offs to loans | 0.0361% | 2,713 |
| Credit loss provision to net charge-offs | -777.7778% | 4,905 |
| Earnings coverage of net charge-offs (x) | 138.7742% | 569 |
| Efficiency ratio | 58.7789% | 4,392 |
| Assets per employee ($millions) | 4.6806% | 2,860 |
| Cash dividends to net income (ytd only)* | 41.0958% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3905% | 20 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 4,712 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 35.1260% | 5,383 |
| Net loans and leases to deposits | 47.4682% | 5,209 |
| Net loans and leases to core deposits | 49.8635% | 5,202 |
| Total domestic deposits to total assets | 73.9989% | 5,236 |
| Equity capital to assets | 18.5020% | 297 |
| Core capital (leverage) ratio | 16.5763% | 416 |
| Tier 1 risk-based capital ratio | 24.8003% | 776 |
| Total risk-based capital ratio | 26.0779% | 758 |
| Memoranda: | ||
| Average total assets | $100,477,000 | 4,272 |
| Average earning assets | $90,385,000 | 4,324 |
| Average equity | $17,664,500 | 3,442 |
| Average total loans | $33,195,750 | 4,965 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8929% | 3,570 |
| Cost of funding earning assets | 0.1931% | 5,044 |
| Net interest margin | 3.6998% | 2,661 |
| Noninterest income to average assets | 0.7806% | 1,645 |
| Noninterest expense to average assets | 2.3200% | 4,290 |
| Loan and lease loss provision to assets | -0.0790% | 5,630 |
| Net operating income to assets | 1.8243% | 432 |
| Return on assets (ROA) | 2.1283% | 252 |
| Pretax return on assets | 2.1817% | 366 |
| Return on Equity (ROE) | 12.3151% | 1,205 |
| Retained earnings to average equity (ytd only) | 7.7413% | 1,264 |
| Net charge-offs to loans | 0.0375% | 2,450 |
| Credit loss provision to net charge-offs | -666.6667% | 4,741 |
| Earnings coverage of net charge-offs (x) | 151.1667% | 504 |
| Efficiency ratio | 56.4152% | 4,777 |
| Assets per employee ($millions) | 4.9513% | 2,451 |
| Cash dividends to net income (ytd only)* | 37.1402% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5916% | 19 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 4,694 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 32.5726% | 5,484 |
| Net loans and leases to deposits | 45.0660% | 5,308 |
| Net loans and leases to core deposits | 47.2608% | 5,305 |
| Total domestic deposits to total assets | 72.2775% | 5,438 |
| Equity capital to assets | 17.3798% | 376 |
| Core capital (leverage) ratio | 16.8547% | 379 |
| Tier 1 risk-based capital ratio | 22.1456% | 1,033 |
| Total risk-based capital ratio | 23.4196% | 1,011 |
| Memoranda: | ||
| Average total assets | $101,205,330 | 4,283 |
| Average earning assets | $91,139,670 | 4,325 |
| Average equity | $17,490,670 | 3,469 |
| Average total loans | $31,966,670 | 5,047 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8811% | 3,458 |
| Cost of funding earning assets | 0.1831% | 5,127 |
| Net interest margin | 3.6980% | 2,490 |
| Noninterest income to average assets | 1.4266% | 525 |
| Noninterest expense to average assets | 2.3002% | 4,405 |
| Loan and lease loss provision to assets | -0.0401% | 5,701 |
| Net operating income to assets | 2.4845% | 136 |
| Return on assets (ROA) | 3.0295% | 94 |
| Pretax return on assets | 3.0295% | 135 |
| Return on Equity (ROE) | 17.5809% | 367 |
| Retained earnings to average equity (ytd only) | 17.5809% | 149 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4797% | 5,444 |
| Assets per employee ($millions) | 4.7428% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2629% | 9 |
| Loan loss allowance to noncurrent loans | 4,951.0204% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.4960% | 3,241 |
| Noncurrent loans to loans | 0.1669% | 4,518 |
| Net loans and leases to total assets | 27.0424% | 5,649 |
| Net loans and leases to deposits | 33.1206% | 5,637 |
| Net loans and leases to core deposits | 35.3043% | 5,632 |
| Total domestic deposits to total assets | 81.6484% | 4,263 |
| Equity capital to assets | 17.6468% | 327 |
| Core capital (leverage) ratio | 16.5131% | 405 |
| Tier 1 risk-based capital ratio | 23.4690% | 920 |
| Total risk-based capital ratio | 24.7449% | 906 |
| Memoranda: | ||
| Average total assets | $99,819,500 | 4,353 |
| Average earning assets | $89,562,500 | 4,408 |
| Average equity | $17,200,500 | 3,519 |
| Average total loans | $29,821,000 | 5,169 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8049% | 3,898 |
| Cost of funding earning assets | 0.3946% | 3,046 |
| Net interest margin | 3.4103% | 3,788 |
| Noninterest income to average assets | 0.2855% | 4,700 |
| Noninterest expense to average assets | 2.7657% | 3,136 |
| Loan and lease loss provision to assets | -0.0446% | 5,572 |
| Net operating income to assets | -0.6744% | 5,812 |
| Return on assets (ROA) | -0.6789% | 5,814 |
| Pretax return on assets | 0.6334% | 4,696 |
| Return on Equity (ROE) | -3.3957% | 5,765 |
| Retained earnings to average equity (ytd only) | -6.0686% | 5,709 |
| Net charge-offs to loans | -0.0293% | 5,235 |
| Credit loss provision to net charge-offs | 454.5455% | 708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9798% | 1,201 |
| Assets per employee ($millions) | 4.5473% | 3,045 |
| Cash dividends to net income (ytd only)* | -78.7122% | 5,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0444% | 9 |
| Loan loss allowance to noncurrent loans | 4,971.4286% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.4938% | 3,283 |
| Noncurrent loans to loans | 0.1618% | 4,588 |
| Net loans and leases to total assets | 27.8349% | 5,686 |
| Net loans and leases to deposits | 33.7716% | 5,679 |
| Net loans and leases to core deposits | 36.0709% | 5,673 |
| Total domestic deposits to total assets | 82.4210% | 3,957 |
| Equity capital to assets | 16.8183% | 408 |
| Core capital (leverage) ratio | 15.3749% | 549 |
| Tier 1 risk-based capital ratio | 23.4741% | 922 |
| Total risk-based capital ratio | 24.7519% | 903 |
| Memoranda: | ||
| Average total assets | $112,088,600 | 4,125 |
| Average earning assets | $101,106,800 | 4,187 |
| Average equity | $22,410,400 | 2,951 |
| Average total loans | $37,600,600 | 4,961 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7430% | 4,108 |
| Cost of funding earning assets | 0.4576% | 2,482 |
| Net interest margin | 3.2854% | 4,233 |
| Noninterest income to average assets | 0.3556% | 4,243 |
| Noninterest expense to average assets | 2.6979% | 3,353 |
| Loan and lease loss provision to assets | -0.0579% | 5,736 |
| Net operating income to assets | 0.5430% | 4,524 |
| Return on assets (ROA) | 0.5421% | 4,635 |
| Pretax return on assets | 0.6834% | 4,657 |
| Return on Equity (ROE) | 2.6210% | 5,326 |
| Retained earnings to average equity (ytd only) | 2.6210% | 4,345 |
| Net charge-offs to loans | -0.0203% | 5,009 |
| Credit loss provision to net charge-offs | 833.3333% | 481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7666% | 1,329 |
| Assets per employee ($millions) | 4.8250% | 2,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9664% | 28 |
| Loan loss allowance to noncurrent loans | 2,558.9474% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.6039% | 3,094 |
| Noncurrent loans to loans | 0.2332% | 4,436 |
| Net loans and leases to total assets | 36.0942% | 5,549 |
| Net loans and leases to deposits | 47.1435% | 5,405 |
| Net loans and leases to core deposits | 50.3992% | 5,369 |
| Total domestic deposits to total assets | 76.5624% | 5,160 |
| Equity capital to assets | 22.6632% | 145 |
| Core capital (leverage) ratio | 20.4845% | 185 |
| Tier 1 risk-based capital ratio | 32.8018% | 387 |
| Total risk-based capital ratio | 34.0802% | 381 |
| Memoranda: | ||
| Average total assets | $115,100,750 | 4,108 |
| Average earning assets | $104,014,500 | 4,141 |
| Average equity | $23,806,750 | 2,834 |
| Average total loans | $39,430,250 | 4,942 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5731% | 4,671 |
| Cost of funding earning assets | 0.4576% | 2,497 |
| Net interest margin | 3.1154% | 4,788 |
| Noninterest income to average assets | 0.3726% | 4,083 |
| Noninterest expense to average assets | 2.1188% | 5,019 |
| Loan and lease loss provision to assets | -0.0847% | 5,863 |
| Net operating income to assets | 0.8414% | 3,126 |
| Return on assets (ROA) | 0.8316% | 3,301 |
| Pretax return on assets | 1.1500% | 2,989 |
| Return on Equity (ROE) | 4.1394% | 4,856 |
| Retained earnings to average equity (ytd only) | 4.1394% | 3,269 |
| Net charge-offs to loans | -0.0256% | 5,056 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6780% | 3,733 |
| Assets per employee ($millions) | 5.2814% | 2,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8385% | 30 |
| Loan loss allowance to noncurrent loans | 4,764.7059% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.5138% | 3,498 |
| Noncurrent loans to loans | 0.1225% | 4,955 |
| Net loans and leases to total assets | 33.7289% | 5,688 |
| Net loans and leases to deposits | 45.1482% | 5,525 |
| Net loans and leases to core deposits | 51.6569% | 5,370 |
| Total domestic deposits to total assets | 74.7072% | 5,448 |
| Equity capital to assets | 20.8476% | 190 |
| Core capital (leverage) ratio | 18.4741% | 259 |
| Tier 1 risk-based capital ratio | 32.8256% | 391 |
| Total risk-based capital ratio | 34.1052% | 382 |
| Memoranda: | ||
| Average total assets | $118,084,330 | 4,088 |
| Average earning assets | $107,079,330 | 4,111 |
| Average equity | $23,723,330 | 2,855 |
| Average total loans | $38,992,000 | 5,005 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5024% | 4,884 |
| Cost of funding earning assets | 0.4623% | 2,445 |
| Net interest margin | 3.0401% | 5,026 |
| Noninterest income to average assets | 0.5444% | 2,845 |
| Noninterest expense to average assets | 2.1171% | 5,084 |
| Loan and lease loss provision to assets | -0.1008% | 5,988 |
| Net operating income to assets | 0.9233% | 2,631 |
| Return on assets (ROA) | 0.9040% | 2,859 |
| Pretax return on assets | 1.2635% | 2,453 |
| Return on Equity (ROE) | 4.5839% | 4,665 |
| Retained earnings to average equity (ytd only) | 4.5839% | 3,186 |
| Net charge-offs to loans | -0.0318% | 5,092 |
| Credit loss provision to net charge-offs | 1,000.0000% | 359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1098% | 4,287 |
| Assets per employee ($millions) | 5.3989% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6295% | 26 |
| Loan loss allowance to noncurrent loans | 9,415.3846% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 3,676 |
| Noncurrent loans to loans | 0.0704% | 5,194 |
| Net loans and leases to total assets | 29.0277% | 5,848 |
| Net loans and leases to deposits | 38.4838% | 5,761 |
| Net loans and leases to core deposits | 45.9694% | 5,589 |
| Total domestic deposits to total assets | 75.4285% | 5,478 |
| Equity capital to assets | 20.0318% | 213 |
| Core capital (leverage) ratio | 18.2118% | 283 |
| Tier 1 risk-based capital ratio | 34.4121% | 353 |
| Total risk-based capital ratio | 35.6938% | 348 |
| Memoranda: | ||
| Average total assets | $119,031,000 | 4,097 |
| Average earning assets | $108,153,500 | 4,122 |
| Average equity | $23,473,500 | 2,882 |
| Average total loans | $37,678,000 | 5,092 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7405% | 4,229 |
| Cost of funding earning assets | 0.5071% | 2,099 |
| Net interest margin | 3.2334% | 4,518 |
| Noninterest income to average assets | 0.4258% | 3,848 |
| Noninterest expense to average assets | 1.8641% | 5,662 |
| Loan and lease loss provision to assets | -0.1554% | 5,927 |
| Net operating income to assets | 1.1748% | 1,655 |
| Return on assets (ROA) | 1.2394% | 1,473 |
| Pretax return on assets | 1.7460% | 902 |
| Return on Equity (ROE) | 6.8927% | 3,567 |
| Retained earnings to average equity (ytd only) | 1.6983% | 4,758 |
| Net charge-offs to loans | -0.0418% | 5,506 |
| Credit loss provision to net charge-offs | 1,176.4706% | 288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6316% | 5,481 |
| Assets per employee ($millions) | 5.4221% | 1,883 |
| Cash dividends to net income (ytd only)* | 75.3605% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4403% | 24 |
| Loan loss allowance to noncurrent loans | 9,166.6667% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.4804% | 3,706 |
| Noncurrent loans to loans | 0.0703% | 5,229 |
| Net loans and leases to total assets | 30.1418% | 5,885 |
| Net loans and leases to deposits | 40.8246% | 5,744 |
| Net loans and leases to core deposits | 49.2561% | 5,528 |
| Total domestic deposits to total assets | 73.8326% | 5,664 |
| Equity capital to assets | 19.4105% | 233 |
| Core capital (leverage) ratio | 17.4319% | 320 |
| Tier 1 risk-based capital ratio | 35.2726% | 330 |
| Total risk-based capital ratio | 36.5566% | 326 |
| Memoranda: | ||
| Average total assets | $128,694,800 | 3,914 |
| Average earning assets | $116,935,600 | 3,951 |
| Average equity | $23,140,400 | 2,867 |
| Average total loans | $40,681,800 | 4,980 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6636% | 4,542 |
| Cost of funding earning assets | 0.5080% | 2,141 |
| Net interest margin | 3.1556% | 4,806 |
| Noninterest income to average assets | 0.2371% | 5,236 |
| Noninterest expense to average assets | 1.9697% | 5,534 |
| Loan and lease loss provision to assets | -0.0814% | 5,973 |
| Net operating income to assets | 0.9035% | 2,950 |
| Return on assets (ROA) | 0.9035% | 3,031 |
| Pretax return on assets | 1.2179% | 2,743 |
| Return on Equity (ROE) | 5.1172% | 4,574 |
| Retained earnings to average equity (ytd only) | 5.1172% | 2,833 |
| Net charge-offs to loans | -0.0259% | 5,290 |
| Credit loss provision to net charge-offs | 1,000.0000% | 358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5942% | 4,476 |
| Assets per employee ($millions) | 6.0938% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7113% | 43 |
| Loan loss allowance to noncurrent loans | 51,720.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 4,059 |
| Noncurrent loans to loans | 0.0110% | 5,599 |
| Net loans and leases to total assets | 33.3620% | 5,884 |
| Net loans and leases to deposits | 46.1142% | 5,644 |
| Net loans and leases to core deposits | 58.0707% | 5,189 |
| Total domestic deposits to total assets | 72.3464% | 5,840 |
| Equity capital to assets | 18.6412% | 296 |
| Core capital (leverage) ratio | 17.0019% | 382 |
| Tier 1 risk-based capital ratio | 32.3943% | 433 |
| Total risk-based capital ratio | 33.6752% | 425 |
| Memoranda: | ||
| Average total assets | $131,047,000 | 3,912 |
| Average earning assets | $119,151,750 | 3,932 |
| Average equity | $23,137,000 | 2,886 |
| Average total loans | $41,244,750 | 5,012 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4741% | 5,053 |
| Cost of funding earning assets | 0.5094% | 2,167 |
| Net interest margin | 2.9647% | 5,307 |
| Noninterest income to average assets | 0.3362% | 4,554 |
| Noninterest expense to average assets | 1.9716% | 5,582 |
| Loan and lease loss provision to assets | -0.0757% | 6,061 |
| Net operating income to assets | 0.8753% | 3,016 |
| Return on assets (ROA) | 0.8753% | 3,123 |
| Pretax return on assets | 1.1372% | 3,017 |
| Return on Equity (ROE) | 5.0485% | 4,591 |
| Retained earnings to average equity (ytd only) | 5.0485% | 2,831 |
| Net charge-offs to loans | -0.0251% | 5,249 |
| Credit loss provision to net charge-offs | 1,000.0000% | 348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1538% | 4,332 |
| Assets per employee ($millions) | 5.9979% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0310% | 36 |
| Loan loss allowance to noncurrent loans | 4,930.1887% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.5431% | 3,803 |
| Noncurrent loans to loans | 0.1223% | 5,265 |
| Net loans and leases to total assets | 32.3234% | 5,956 |
| Net loans and leases to deposits | 42.3538% | 5,824 |
| Net loans and leases to core deposits | 53.2739% | 5,467 |
| Total domestic deposits to total assets | 76.3177% | 5,556 |
| Equity capital to assets | 18.1692% | 320 |
| Core capital (leverage) ratio | 16.8986% | 375 |
| Tier 1 risk-based capital ratio | 31.3802% | 481 |
| Total risk-based capital ratio | 32.6613% | 474 |
| Memoranda: | ||
| Average total assets | $132,073,000 | 3,923 |
| Average earning assets | $120,146,000 | 3,939 |
| Average equity | $22,897,670 | 2,922 |
| Average total loans | $39,900,000 | 5,111 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3051% | 5,444 |
| Cost of funding earning assets | 0.5172% | 2,134 |
| Net interest margin | 2.7879% | 5,669 |
| Noninterest income to average assets | 0.4440% | 3,674 |
| Noninterest expense to average assets | 1.9152% | 5,734 |
| Loan and lease loss provision to assets | -0.0592% | 6,175 |
| Net operating income to assets | 0.8821% | 2,836 |
| Return on assets (ROA) | 0.8821% | 2,963 |
| Pretax return on assets | 1.1248% | 2,974 |
| Return on Equity (ROE) | 5.2043% | 4,434 |
| Retained earnings to average equity (ytd only) | 5.2043% | 2,948 |
| Net charge-offs to loans | -0.0419% | 5,435 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3565% | 4,579 |
| Assets per employee ($millions) | 5.9127% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1506% | 18 |
| Loan loss allowance to noncurrent loans | 4,555.1724% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.5875% | 3,719 |
| Noncurrent loans to loans | 0.1570% | 5,212 |
| Net loans and leases to total assets | 25.2263% | 6,191 |
| Net loans and leases to deposits | 32.4609% | 6,148 |
| Net loans and leases to core deposits | 40.1559% | 5,968 |
| Total domestic deposits to total assets | 77.7128% | 5,501 |
| Equity capital to assets | 17.1943% | 403 |
| Core capital (leverage) ratio | 15.3945% | 549 |
| Tier 1 risk-based capital ratio | 31.5345% | 474 |
| Total risk-based capital ratio | 32.8167% | 470 |
| Memoranda: | ||
| Average total assets | $135,132,000 | 3,901 |
| Average earning assets | $122,962,000 | 3,925 |
| Average equity | $22,904,000 | 2,937 |
| Average total loans | $38,187,000 | 5,204 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8823% | 4,198 |
| Cost of funding earning assets | 0.5908% | 1,851 |
| Net interest margin | 3.2914% | 4,610 |
| Noninterest income to average assets | 0.3324% | 4,730 |
| Noninterest expense to average assets | 1.8612% | 5,988 |
| Loan and lease loss provision to assets | -0.2158% | 6,302 |
| Net operating income to assets | 1.2927% | 1,318 |
| Return on assets (ROA) | 1.2921% | 1,371 |
| Pretax return on assets | 1.6641% | 1,061 |
| Return on Equity (ROE) | 8.3560% | 2,936 |
| Retained earnings to average equity (ytd only) | 2.0843% | 4,739 |
| Net charge-offs to loans | -0.5814% | 6,412 |
| Credit loss provision to net charge-offs | 123.9669% | 1,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4879% | 5,716 |
| Assets per employee ($millions) | 5.8379% | 1,498 |
| Cash dividends to net income (ytd only)* | 75.0557% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7417% | 25 |
| Loan loss allowance to noncurrent loans | 3,544.0000% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.6353% | 3,671 |
| Noncurrent loans to loans | 0.1902% | 5,145 |
| Net loans and leases to total assets | 27.3834% | 6,248 |
| Net loans and leases to deposits | 35.0579% | 6,194 |
| Net loans and leases to core deposits | 45.1867% | 5,922 |
| Total domestic deposits to total assets | 78.1092% | 5,419 |
| Equity capital to assets | 16.7013% | 453 |
| Core capital (leverage) ratio | 15.3254% | 557 |
| Tier 1 risk-based capital ratio | 31.1978% | 467 |
| Total risk-based capital ratio | 32.4822% | 457 |
| Memoranda: | ||
| Average total assets | $138,997,600 | 3,821 |
| Average earning assets | $125,751,800 | 3,852 |
| Average equity | $21,493,600 | 2,999 |
| Average total loans | $41,622,600 | 5,119 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9353% | 4,031 |
| Cost of funding earning assets | 0.5969% | 1,866 |
| Net interest margin | 3.3384% | 4,474 |
| Noninterest income to average assets | 0.2330% | 5,538 |
| Noninterest expense to average assets | 1.7472% | 6,159 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1059% | 2,001 |
| Return on assets (ROA) | 1.1052% | 2,068 |
| Pretax return on assets | 1.5066% | 1,626 |
| Return on Equity (ROE) | 7.2871% | 3,563 |
| Retained earnings to average equity (ytd only) | 7.2871% | 1,680 |
| Net charge-offs to loans | -0.7367% | 6,501 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9515% | 5,925 |
| Assets per employee ($millions) | 6.0151% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1414% | 47 |
| Loan loss allowance to noncurrent loans | 3,205.4348% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.6296% | 3,942 |
| Noncurrent loans to loans | 0.1916% | 5,332 |
| Net loans and leases to total assets | 32.5765% | 6,161 |
| Net loans and leases to deposits | 43.4526% | 6,001 |
| Net loans and leases to core deposits | 56.5263% | 5,417 |
| Total domestic deposits to total assets | 74.9704% | 5,929 |
| Equity capital to assets | 16.3602% | 514 |
| Core capital (leverage) ratio | 15.5348% | 538 |
| Tier 1 risk-based capital ratio | 29.0686% | 575 |
| Total risk-based capital ratio | 30.3524% | 563 |
| Memoranda: | ||
| Average total assets | $140,179,250 | 3,825 |
| Average earning assets | $126,883,750 | 3,855 |
| Average equity | $21,260,750 | 3,029 |
| Average total loans | $42,171,750 | 5,156 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6868% | 4,902 |
| Cost of funding earning assets | 0.6035% | 1,871 |
| Net interest margin | 3.0834% | 5,308 |
| Noninterest income to average assets | 0.2827% | 5,162 |
| Noninterest expense to average assets | 1.6365% | 6,330 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0839% | 1,995 |
| Return on assets (ROA) | 1.0839% | 2,058 |
| Pretax return on assets | 1.4333% | 1,771 |
| Return on Equity (ROE) | 7.3355% | 3,452 |
| Retained earnings to average equity (ytd only) | 7.3355% | 1,595 |
| Net charge-offs to loans | -1.1536% | 6,582 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5220% | 6,030 |
| Assets per employee ($millions) | 5.9680% | 1,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7692% | 32 |
| Loan loss allowance to noncurrent loans | 619.3277% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.9143% | 3,257 |
| Noncurrent loans to loans | 1.0930% | 3,045 |
| Net loans and leases to total assets | 29.5797% | 6,321 |
| Net loans and leases to deposits | 37.7360% | 6,236 |
| Net loans and leases to core deposits | 48.5873% | 5,873 |
| Total domestic deposits to total assets | 78.3860% | 5,568 |
| Equity capital to assets | 15.9956% | 556 |
| Core capital (leverage) ratio | 14.6789% | 658 |
| Tier 1 risk-based capital ratio | 29.5161% | 542 |
| Total risk-based capital ratio | 30.8015% | 530 |
| Memoranda: | ||
| Average total assets | $140,789,670 | 3,835 |
| Average earning assets | $127,263,670 | 3,869 |
| Average equity | $20,803,000 | 3,083 |
| Average total loans | $40,223,000 | 5,267 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6884% | 4,888 |
| Cost of funding earning assets | 0.6080% | 1,913 |
| Net interest margin | 3.0804% | 5,309 |
| Noninterest income to average assets | 0.3844% | 4,314 |
| Noninterest expense to average assets | 1.4759% | 6,506 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2430% | 1,364 |
| Return on assets (ROA) | 1.2430% | 1,421 |
| Pretax return on assets | 1.6808% | 1,014 |
| Return on Equity (ROE) | 8.7608% | 2,567 |
| Retained earnings to average equity (ytd only) | 8.7608% | 1,322 |
| Net charge-offs to loans | -2.6556% | 6,670 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0444% | 6,425 |
| Assets per employee ($millions) | 6.1729% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8776% | 20 |
| Loan loss allowance to noncurrent loans | 10,248.2759% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.6135% | 4,294 |
| Noncurrent loans to loans | 0.0769% | 5,907 |
| Net loans and leases to total assets | 24.4795% | 6,500 |
| Net loans and leases to deposits | 30.7237% | 6,467 |
| Net loans and leases to core deposits | 39.2224% | 6,267 |
| Total domestic deposits to total assets | 79.6761% | 5,550 |
| Equity capital to assets | 14.7659% | 720 |
| Core capital (leverage) ratio | 14.0350% | 812 |
| Tier 1 risk-based capital ratio | 29.0820% | 569 |
| Total risk-based capital ratio | 30.3688% | 558 |
| Memoranda: | ||
| Average total assets | $142,553,000 | 3,837 |
| Average earning assets | $128,294,000 | 3,882 |
| Average equity | $20,226,500 | 3,149 |
| Average total loans | $38,559,500 | 5,373 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7078% | 5,110 |
| Cost of funding earning assets | 0.6960% | 1,844 |
| Net interest margin | 3.0118% | 5,552 |
| Noninterest income to average assets | -0.1606% | 6,745 |
| Noninterest expense to average assets | 1.5414% | 6,550 |
| Loan and lease loss provision to assets | -0.4570% | 6,731 |
| Net operating income to assets | 1.1990% | 1,568 |
| Return on assets (ROA) | 1.2063% | 1,613 |
| Pretax return on assets | 1.5241% | 1,368 |
| Return on Equity (ROE) | 9.6419% | 2,262 |
| Retained earnings to average equity (ytd only) | 2.5352% | 4,447 |
| Net charge-offs to loans | -0.7899% | 6,751 |
| Credit loss provision to net charge-offs | 228.6127% | 1,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5463% | 5,670 |
| Assets per employee ($millions) | 6.2230% | 1,125 |
| Cash dividends to net income (ytd only)* | 73.7069% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8948% | 26 |
| Loan loss allowance to noncurrent loans | 20,892.3077% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.5995% | 4,440 |
| Noncurrent loans to loans | 0.0330% | 6,152 |
| Net loans and leases to total assets | 25.6243% | 6,576 |
| Net loans and leases to deposits | 31.7668% | 6,544 |
| Net loans and leases to core deposits | 42.2496% | 6,297 |
| Total domestic deposits to total assets | 80.6637% | 5,278 |
| Equity capital to assets | 13.6163% | 1,030 |
| Core capital (leverage) ratio | 12.1554% | 1,517 |
| Tier 1 risk-based capital ratio | 28.8640% | 563 |
| Total risk-based capital ratio | 30.1470% | 553 |
| Memoranda: | ||
| Average total assets | $173,086,400 | 3,365 |
| Average earning assets | $158,609,600 | 3,369 |
| Average equity | $21,655,400 | 2,964 |
| Average total loans | $43,801,200 | 5,201 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6177% | 5,394 |
| Cost of funding earning assets | 0.6982% | 1,965 |
| Net interest margin | 2.9195% | 5,766 |
| Noninterest income to average assets | 0.1964% | 5,998 |
| Noninterest expense to average assets | 1.4140% | 6,686 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1611% | 1,771 |
| Return on assets (ROA) | 1.1902% | 1,739 |
| Pretax return on assets | 1.5085% | 1,580 |
| Return on Equity (ROE) | 9.6827% | 2,312 |
| Retained earnings to average equity (ytd only) | 9.6827% | 860 |
| Net charge-offs to loans | -0.9294% | 6,827 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3623% | 6,488 |
| Assets per employee ($millions) | 8.1142% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9563% | 29 |
| Loan loss allowance to noncurrent loans | 2,008.0925% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.9064% | 3,867 |
| Noncurrent loans to loans | 0.3464% | 5,343 |
| Net loans and leases to total assets | 26.0295% | 6,649 |
| Net loans and leases to deposits | 37.6878% | 6,456 |
| Net loans and leases to core deposits | 57.2735% | 5,512 |
| Total domestic deposits to total assets | 69.0661% | 6,632 |
| Equity capital to assets | 11.7790% | 2,060 |
| Core capital (leverage) ratio | 11.6076% | 1,943 |
| Tier 1 risk-based capital ratio | 22.1976% | 1,284 |
| Total risk-based capital ratio | 23.4770% | 1,255 |
| Memoranda: | ||
| Average total assets | $180,575,500 | 3,291 |
| Average earning assets | $166,326,000 | 3,298 |
| Average equity | $22,197,000 | 2,940 |
| Average total loans | $44,903,500 | 5,204 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4827% | 5,731 |
| Cost of funding earning assets | 0.6758% | 2,261 |
| Net interest margin | 2.8069% | 5,989 |
| Noninterest income to average assets | 0.2251% | 5,833 |
| Noninterest expense to average assets | 1.3803% | 6,744 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0107% | 2,286 |
| Return on assets (ROA) | 1.0339% | 2,306 |
| Pretax return on assets | 1.4719% | 1,706 |
| Return on Equity (ROE) | 8.2968% | 2,945 |
| Retained earnings to average equity (ytd only) | 8.2968% | 1,365 |
| Net charge-offs to loans | -1.3326% | 6,884 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2975% | 6,519 |
| Assets per employee ($millions) | 7.9938% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2812% | 19 |
| Loan loss allowance to noncurrent loans | 2,632.0611% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.8577% | 4,099 |
| Noncurrent loans to loans | 0.2766% | 5,608 |
| Net loans and leases to total assets | 23.8809% | 6,723 |
| Net loans and leases to deposits | 32.6019% | 6,647 |
| Net loans and leases to core deposits | 51.0636% | 5,956 |
| Total domestic deposits to total assets | 73.2500% | 6,494 |
| Equity capital to assets | 11.7487% | 2,090 |
| Core capital (leverage) ratio | 11.4276% | 2,000 |
| Tier 1 risk-based capital ratio | 21.8705% | 1,309 |
| Total risk-based capital ratio | 23.1501% | 1,279 |
| Memoranda: | ||
| Average total assets | $181,263,000 | 3,298 |
| Average earning assets | $167,513,670 | 3,296 |
| Average equity | $22,587,000 | 2,916 |
| Average total loans | $43,224,670 | 5,294 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4068% | 5,925 |
| Cost of funding earning assets | 0.6876% | 2,324 |
| Net interest margin | 2.7192% | 6,189 |
| Noninterest income to average assets | 0.3023% | 5,281 |
| Noninterest expense to average assets | 1.4825% | 6,756 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9208% | 2,563 |
| Return on assets (ROA) | 0.9669% | 2,495 |
| Pretax return on assets | 1.4003% | 1,850 |
| Return on Equity (ROE) | 7.5390% | 3,205 |
| Retained earnings to average equity (ytd only) | 7.5390% | 1,926 |
| Net charge-offs to loans | -3.4500% | 6,969 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0126% | 6,381 |
| Assets per employee ($millions) | 7.3405% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5869% | 23 |
| Loan loss allowance to noncurrent loans | 2,118.0723% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.8648% | 4,225 |
| Noncurrent loans to loans | 0.4054% | 5,407 |
| Net loans and leases to total assets | 20.3964% | 6,849 |
| Net loans and leases to deposits | 28.4816% | 6,776 |
| Net loans and leases to core deposits | 39.5277% | 6,501 |
| Total domestic deposits to total assets | 71.6124% | 6,676 |
| Equity capital to assets | 12.6754% | 1,606 |
| Core capital (leverage) ratio | 11.4438% | 1,913 |
| Tier 1 risk-based capital ratio | 22.0864% | 1,316 |
| Total risk-based capital ratio | 23.3688% | 1,281 |
| Memoranda: | ||
| Average total assets | $179,965,500 | 3,347 |
| Average earning assets | $166,375,000 | 3,338 |
| Average equity | $23,080,000 | 2,909 |
| Average total loans | $41,159,500 | 5,408 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0760% | 5,033 |
| Cost of funding earning assets | 0.8692% | 2,148 |
| Net interest margin | 3.2069% | 5,550 |
| Noninterest income to average assets | 0.0126% | 6,793 |
| Noninterest expense to average assets | 1.7756% | 6,651 |
| Loan and lease loss provision to assets | -0.3295% | 7,020 |
| Net operating income to assets | 1.2968% | 1,310 |
| Return on assets (ROA) | 1.2973% | 1,457 |
| Pretax return on assets | 1.5027% | 1,668 |
| Return on Equity (ROE) | 9.5656% | 2,377 |
| Retained earnings to average equity (ytd only) | 2.8555% | 4,228 |
| Net charge-offs to loans | 0.7927% | 1,478 |
| Credit loss provision to net charge-offs | -136.0697% | 6,356 |
| Earnings coverage of net charge-offs (x) | 4.8433% | 3,230 |
| Efficiency ratio | 59.5301% | 5,610 |
| Assets per employee ($millions) | 7.0567% | 749 |
| Cash dividends to net income (ytd only)* | 70.1486% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6402% | 32 |
| Loan loss allowance to noncurrent loans | 1,398.6726% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.9353% | 4,165 |
| Noncurrent loans to loans | 0.5462% | 5,164 |
| Net loans and leases to total assets | 21.6599% | 6,903 |
| Net loans and leases to deposits | 29.6327% | 6,837 |
| Net loans and leases to core deposits | 42.8655% | 6,511 |
| Total domestic deposits to total assets | 73.0946% | 6,613 |
| Equity capital to assets | 12.9800% | 1,462 |
| Core capital (leverage) ratio | 12.0133% | 1,555 |
| Tier 1 risk-based capital ratio | 23.0239% | 1,114 |
| Total risk-based capital ratio | 24.3043% | 1,089 |
| Memoranda: | ||
| Average total assets | $166,032,400 | 3,522 |
| Average earning assets | $151,987,000 | 3,508 |
| Average equity | $22,518,200 | 2,911 |
| Average total loans | $50,714,600 | 5,080 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1134% | 5,142 |
| Cost of funding earning assets | 0.9008% | 2,165 |
| Net interest margin | 3.2126% | 5,672 |
| Noninterest income to average assets | 0.2415% | 5,824 |
| Noninterest expense to average assets | 1.7213% | 6,769 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0550% | 2,267 |
| Return on assets (ROA) | 1.0556% | 2,478 |
| Pretax return on assets | 1.4595% | 2,039 |
| Return on Equity (ROE) | 7.6943% | 3,424 |
| Retained earnings to average equity (ytd only) | 7.6943% | 1,758 |
| Net charge-offs to loans | 1.4602% | 605 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.0774% | 3,796 |
| Efficiency ratio | 53.4890% | 6,305 |
| Assets per employee ($millions) | 6.2753% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5642% | 51 |
| Loan loss allowance to noncurrent loans | 1,568.4444% | 310 |
| Noncurrent assets plus other real estate owned to assets | 1.4438% | 3,440 |
| Noncurrent loans to loans | 0.4185% | 5,616 |
| Net loans and leases to total assets | 32.0190% | 6,741 |
| Net loans and leases to deposits | 40.5751% | 6,658 |
| Net loans and leases to core deposits | 61.5106% | 5,404 |
| Total domestic deposits to total assets | 78.9128% | 5,891 |
| Equity capital to assets | 14.9877% | 823 |
| Core capital (leverage) ratio | 12.3869% | 1,452 |
| Tier 1 risk-based capital ratio | 22.8351% | 1,194 |
| Total risk-based capital ratio | 24.1189% | 1,169 |
| Memoranda: | ||
| Average total assets | $163,436,000 | 3,591 |
| Average earning assets | $149,489,750 | 3,598 |
| Average equity | $22,423,000 | 2,952 |
| Average total loans | $53,050,000 | 5,032 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9049% | 5,901 |
| Cost of funding earning assets | 0.9162% | 2,286 |
| Net interest margin | 2.9886% | 6,267 |
| Noninterest income to average assets | 0.2355% | 5,884 |
| Noninterest expense to average assets | 1.6640% | 6,871 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9624% | 2,609 |
| Return on assets (ROA) | 0.9624% | 2,854 |
| Pretax return on assets | 1.3090% | 2,524 |
| Return on Equity (ROE) | 7.2259% | 3,658 |
| Retained earnings to average equity (ytd only) | 7.2259% | 1,990 |
| Net charge-offs to loans | -0.0151% | 6,369 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2803% | 6,192 |
| Assets per employee ($millions) | 6.9290% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0832% | 47 |
| Loan loss allowance to noncurrent loans | 596.2319% | 627 |
| Noncurrent assets plus other real estate owned to assets | 1.5794% | 3,346 |
| Noncurrent loans to loans | 1.1880% | 4,172 |
| Net loans and leases to total assets | 31.1543% | 6,844 |
| Net loans and leases to deposits | 43.6881% | 6,572 |
| Net loans and leases to core deposits | 66.7042% | 4,924 |
| Total domestic deposits to total assets | 71.3107% | 6,842 |
| Equity capital to assets | 13.1038% | 1,468 |
| Core capital (leverage) ratio | 11.6437% | 1,816 |
| Tier 1 risk-based capital ratio | 20.4776% | 1,580 |
| Total risk-based capital ratio | 21.7634% | 1,554 |
| Memoranda: | ||
| Average total assets | $165,620,670 | 3,574 |
| Average earning assets | $151,707,330 | 3,567 |
| Average equity | $22,059,670 | 2,980 |
| Average total loans | $52,813,000 | 5,071 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8546% | 6,128 |
| Cost of funding earning assets | 0.9372% | 2,393 |
| Net interest margin | 2.9173% | 6,461 |
| Noninterest income to average assets | 0.3238% | 5,279 |
| Noninterest expense to average assets | 1.6858% | 6,910 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0184% | 2,405 |
| Return on assets (ROA) | 1.0184% | 2,599 |
| Pretax return on assets | 1.3002% | 2,536 |
| Return on Equity (ROE) | 7.5805% | 3,459 |
| Retained earnings to average equity (ytd only) | 7.5805% | 2,136 |
| Net charge-offs to loans | 0.0080% | 4,619 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 526.0000% | 46 |
| Efficiency ratio | 55.7947% | 6,145 |
| Assets per employee ($millions) | 6.5098% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5508% | 24 |
| Loan loss allowance to noncurrent loans | 556.7751% | 629 |
| Noncurrent assets plus other real estate owned to assets | 1.6661% | 3,356 |
| Noncurrent loans to loans | 1.5358% | 3,811 |
| Net loans and leases to total assets | 25.9639% | 7,040 |
| Net loans and leases to deposits | 32.9341% | 6,982 |
| Net loans and leases to core deposits | 48.5870% | 6,423 |
| Total domestic deposits to total assets | 78.8360% | 6,114 |
| Equity capital to assets | 13.0248% | 1,434 |
| Core capital (leverage) ratio | 12.2489% | 1,461 |
| Tier 1 risk-based capital ratio | 19.2519% | 1,920 |
| Total risk-based capital ratio | 20.5367% | 1,873 |
| Memoranda: | ||
| Average total assets | $161,818,500 | 3,650 |
| Average earning assets | $147,669,000 | 3,665 |
| Average equity | $21,740,000 | 3,005 |
| Average total loans | $50,179,000 | 5,222 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7080% | 4,208 |
| Cost of funding earning assets | 1.0496% | 3,020 |
| Net interest margin | 3.6584% | 4,479 |
| Noninterest income to average assets | 0.4107% | 4,529 |
| Noninterest expense to average assets | 2.0152% | 6,646 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.2425% | 1,399 |
| Return on assets (ROA) | 1.2682% | 1,431 |
| Pretax return on assets | 1.7207% | 946 |
| Return on Equity (ROE) | 8.2630% | 2,779 |
| Retained earnings to average equity (ytd only) | 3.1321% | 3,992 |
| Net charge-offs to loans | 0.6336% | 2,558 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 6.2965% | 2,549 |
| Efficiency ratio | 53.7832% | 6,532 |
| Assets per employee ($millions) | 5.5137% | 1,626 |
| Cash dividends to net income (ytd only)* | 62.0945% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8579% | 34 |
| Loan loss allowance to noncurrent loans | 313.5011% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 2.2068% | 2,731 |
| Noncurrent loans to loans | 2.5065% | 2,622 |
| Net loans and leases to total assets | 31.2172% | 6,966 |
| Net loans and leases to deposits | 44.3890% | 6,703 |
| Net loans and leases to core deposits | 56.6542% | 6,113 |
| Total domestic deposits to total assets | 70.3264% | 6,967 |
| Equity capital to assets | 13.8843% | 1,107 |
| Core capital (leverage) ratio | 13.7190% | 894 |
| Tier 1 risk-based capital ratio | 20.8405% | 1,449 |
| Total risk-based capital ratio | 21.7494% | 1,493 |
| Memoranda: | ||
| Average total assets | $138,545,000 | 4,001 |
| Average earning assets | $124,618,400 | 4,047 |
| Average equity | $21,263,400 | 2,982 |
| Average total loans | $58,553,400 | 4,917 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8987% | 3,564 |
| Cost of funding earning assets | 1.1055% | 2,941 |
| Net interest margin | 3.7932% | 3,908 |
| Noninterest income to average assets | 0.2734% | 5,660 |
| Noninterest expense to average assets | 2.0675% | 6,557 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1769% | 1,724 |
| Return on assets (ROA) | 1.2116% | 1,729 |
| Pretax return on assets | 1.6594% | 1,232 |
| Return on Equity (ROE) | 7.6842% | 3,184 |
| Retained earnings to average equity (ytd only) | 7.6842% | 1,633 |
| Net charge-offs to loans | 0.7785% | 2,001 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 4.6353% | 3,003 |
| Efficiency ratio | 56.1928% | 6,255 |
| Assets per employee ($millions) | 4.9297% | 2,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7928% | 49 |
| Loan loss allowance to noncurrent loans | 405.6974% | 792 |
| Noncurrent assets plus other real estate owned to assets | 2.1792% | 2,927 |
| Noncurrent loans to loans | 1.6743% | 3,793 |
| Net loans and leases to total assets | 41.0560% | 6,554 |
| Net loans and leases to deposits | 63.8147% | 5,194 |
| Net loans and leases to core deposits | 69.7374% | 4,981 |
| Total domestic deposits to total assets | 64.3363% | 7,244 |
| Equity capital to assets | 16.0413% | 622 |
| Core capital (leverage) ratio | 14.1849% | 849 |
| Tier 1 risk-based capital ratio | 22.4822% | 1,220 |
| Total risk-based capital ratio | 23.3743% | 1,242 |
| Memoranda: | ||
| Average total assets | $134,585,500 | 4,106 |
| Average earning assets | $120,846,000 | 4,132 |
| Average equity | $21,220,500 | 2,978 |
| Average total loans | $60,115,750 | 4,897 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8363% | 3,927 |
| Cost of funding earning assets | 1.1427% | 2,945 |
| Net interest margin | 3.6937% | 4,293 |
| Noninterest income to average assets | 0.3208% | 5,332 |
| Noninterest expense to average assets | 2.0864% | 6,624 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1302% | 1,788 |
| Return on assets (ROA) | 1.1346% | 1,847 |
| Pretax return on assets | 1.5543% | 1,368 |
| Return on Equity (ROE) | 7.2394% | 3,329 |
| Retained earnings to average equity (ytd only) | 7.2394% | 1,770 |
| Net charge-offs to loans | -0.0334% | 6,947 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4021% | 6,243 |
| Assets per employee ($millions) | 4.5325% | 2,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3453% | 47 |
| Loan loss allowance to noncurrent loans | 428.1220% | 756 |
| Noncurrent assets plus other real estate owned to assets | 2.2379% | 2,933 |
| Noncurrent loans to loans | 1.7157% | 3,865 |
| Net loans and leases to total assets | 41.6621% | 6,615 |
| Net loans and leases to deposits | 63.0075% | 5,392 |
| Net loans and leases to core deposits | 69.2704% | 5,154 |
| Total domestic deposits to total assets | 66.1224% | 7,260 |
| Equity capital to assets | 15.7676% | 645 |
| Core capital (leverage) ratio | 14.4434% | 772 |
| Tier 1 risk-based capital ratio | 23.2268% | 1,088 |
| Total risk-based capital ratio | 24.1044% | 1,122 |
| Memoranda: | ||
| Average total assets | $133,437,000 | 4,156 |
| Average earning assets | $119,718,670 | 4,191 |
| Average equity | $20,913,330 | 3,014 |
| Average total loans | $59,887,670 | 4,962 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8472% | 3,834 |
| Cost of funding earning assets | 1.2084% | 2,767 |
| Net interest margin | 3.6387% | 4,375 |
| Noninterest income to average assets | 0.4479% | 4,308 |
| Noninterest expense to average assets | 2.1851% | 6,456 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0813% | 1,904 |
| Return on assets (ROA) | 1.0835% | 1,945 |
| Pretax return on assets | 1.5284% | 1,368 |
| Return on Equity (ROE) | 6.9346% | 3,415 |
| Retained earnings to average equity (ytd only) | 6.9346% | 2,174 |
| Net charge-offs to loans | -0.0472% | 6,863 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8907% | 6,143 |
| Assets per employee ($millions) | 4.7290% | 2,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8940% | 40 |
| Loan loss allowance to noncurrent loans | 677.9456% | 517 |
| Noncurrent assets plus other real estate owned to assets | 1.9945% | 3,326 |
| Noncurrent loans to loans | 1.1644% | 4,755 |
| Net loans and leases to total assets | 39.5467% | 6,805 |
| Net loans and leases to deposits | 54.7917% | 6,232 |
| Net loans and leases to core deposits | 59.4017% | 6,149 |
| Total domestic deposits to total assets | 72.1764% | 7,070 |
| Equity capital to assets | 15.7273% | 619 |
| Core capital (leverage) ratio | 14.7104% | 707 |
| Tier 1 risk-based capital ratio | 24.7338% | 907 |
| Total risk-based capital ratio | 25.5823% | 928 |
| Memoranda: | ||
| Average total assets | $132,168,000 | 4,205 |
| Average earning assets | $118,502,500 | 4,248 |
| Average equity | $20,650,000 | 3,031 |
| Average total loans | $59,261,000 | 5,036 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0968% | 4,112 |
| Cost of funding earning assets | 1.4008% | 3,260 |
| Net interest margin | 3.6961% | 4,363 |
| Noninterest income to average assets | -0.0750% | 7,374 |
| Noninterest expense to average assets | 2.5618% | 5,573 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4517% | 4,309 |
| Return on assets (ROA) | 0.4620% | 4,431 |
| Pretax return on assets | 0.6306% | 4,227 |
| Return on Equity (ROE) | 2.8696% | 5,008 |
| Retained earnings to average equity (ytd only) | -4.5351% | 6,251 |
| Net charge-offs to loans | -0.0645% | 7,470 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8084% | 2,441 |
| Assets per employee ($millions) | 4.2556% | 3,284 |
| Cash dividends to net income (ytd only)* | 258.0386% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2662% | 53 |
| Loan loss allowance to noncurrent loans | 324.7101% | 949 |
| Noncurrent assets plus other real estate owned to assets | 2.5280% | 2,739 |
| Noncurrent loans to loans | 2.2378% | 3,287 |
| Net loans and leases to total assets | 43.3495% | 6,762 |
| Net loans and leases to deposits | 60.6628% | 5,984 |
| Net loans and leases to core deposits | 66.2327% | 5,851 |
| Total domestic deposits to total assets | 71.4599% | 7,135 |
| Equity capital to assets | 15.5204% | 674 |
| Core capital (leverage) ratio | 14.3662% | 774 |
| Tier 1 risk-based capital ratio | 22.6411% | 1,084 |
| Total risk-based capital ratio | 23.9439% | 1,061 |
| Memoranda: | ||
| Average total assets | $134,633,200 | 4,167 |
| Average earning assets | $118,504,800 | 4,262 |
| Average equity | $21,675,200 | 2,916 |
| Average total loans | $65,125,400 | 4,865 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1218% | 4,209 |
| Cost of funding earning assets | 1.4311% | 3,385 |
| Net interest margin | 3.6907% | 4,457 |
| Noninterest income to average assets | -0.3695% | 7,650 |
| Noninterest expense to average assets | 2.6250% | 5,219 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.0146% | 5,971 |
| Return on assets (ROA) | 0.0266% | 6,067 |
| Pretax return on assets | 0.2592% | 5,589 |
| Return on Equity (ROE) | 0.1638% | 6,079 |
| Retained earnings to average equity (ytd only) | 0.1638% | 5,708 |
| Net charge-offs to loans | -0.0444% | 7,455 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7497% | 1,227 |
| Assets per employee ($millions) | 4.7114% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2862% | 100 |
| Loan loss allowance to noncurrent loans | 354.3288% | 837 |
| Noncurrent assets plus other real estate owned to assets | 2.3939% | 2,986 |
| Noncurrent loans to loans | 1.7741% | 3,982 |
| Net loans and leases to total assets | 50.4124% | 6,282 |
| Net loans and leases to deposits | 67.5744% | 5,480 |
| Net loans and leases to core deposits | 75.5384% | 5,115 |
| Total domestic deposits to total assets | 74.6028% | 6,843 |
| Equity capital to assets | 16.6548% | 562 |
| Core capital (leverage) ratio | 14.4032% | 831 |
| Tier 1 risk-based capital ratio | 21.6576% | 1,262 |
| Total risk-based capital ratio | 22.7250% | 1,268 |
| Memoranda: | ||
| Average total assets | $135,310,750 | 4,204 |
| Average earning assets | $118,601,000 | 4,318 |
| Average equity | $21,975,250 | 2,919 |
| Average total loans | $65,989,500 | 4,907 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9432% | 5,210 |
| Cost of funding earning assets | 1.4078% | 3,827 |
| Net interest margin | 3.5354% | 5,107 |
| Noninterest income to average assets | 0.3607% | 5,266 |
| Noninterest expense to average assets | 2.3556% | 6,198 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9547% | 2,346 |
| Return on assets (ROA) | 0.9809% | 2,347 |
| Pretax return on assets | 1.3029% | 2,075 |
| Return on Equity (ROE) | 6.5804% | 3,508 |
| Retained earnings to average equity (ytd only) | 6.5804% | 2,031 |
| Net charge-offs to loans | -0.1176% | 7,577 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0076% | 5,150 |
| Assets per employee ($millions) | 4.0004% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2714% | 50 |
| Loan loss allowance to noncurrent loans | 611.5549% | 537 |
| Noncurrent assets plus other real estate owned to assets | 2.4578% | 2,927 |
| Noncurrent loans to loans | 1.1890% | 4,972 |
| Net loans and leases to total assets | 48.8077% | 6,563 |
| Net loans and leases to deposits | 64.7021% | 5,951 |
| Net loans and leases to core deposits | 73.1665% | 5,536 |
| Total domestic deposits to total assets | 75.4346% | 6,788 |
| Equity capital to assets | 14.7700% | 930 |
| Core capital (leverage) ratio | 14.8183% | 761 |
| Tier 1 risk-based capital ratio | 23.0375% | 1,071 |
| Total risk-based capital ratio | 24.3458% | 1,033 |
| Memoranda: | ||
| Average total assets | $108,676,670 | 4,844 |
| Average earning assets | $100,299,000 | 4,800 |
| Average equity | $16,199,670 | 3,762 |
| Average total loans | $54,434,000 | 5,400 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6639% | 6,364 |
| Cost of funding earning assets | 1.4600% | 3,806 |
| Net interest margin | 3.2039% | 6,283 |
| Noninterest income to average assets | 0.5121% | 3,954 |
| Noninterest expense to average assets | 2.5231% | 5,644 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7625% | 3,145 |
| Return on assets (ROA) | 0.7625% | 3,256 |
| Pretax return on assets | 0.9420% | 3,309 |
| Return on Equity (ROE) | 5.0912% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.0912% | 3,108 |
| Net charge-offs to loans | -0.1840% | 7,651 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8155% | 3,793 |
| Assets per employee ($millions) | 3.8989% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3036% | 36 |
| Loan loss allowance to noncurrent loans | 1,316.9231% | 266 |
| Noncurrent assets plus other real estate owned to assets | 1.9841% | 3,521 |
| Noncurrent loans to loans | 0.6305% | 6,056 |
| Net loans and leases to total assets | 43.2947% | 7,044 |
| Net loans and leases to deposits | 54.8969% | 6,852 |
| Net loans and leases to core deposits | 60.9984% | 6,670 |
| Total domestic deposits to total assets | 78.8656% | 6,107 |
| Equity capital to assets | 14.7617% | 937 |
| Core capital (leverage) ratio | 14.8494% | 782 |
| Tier 1 risk-based capital ratio | 24.9744% | 871 |
| Total risk-based capital ratio | 26.2914% | 835 |
| Memoranda: | ||
| Average total assets | $107,009,500 | 4,952 |
| Average earning assets | $98,629,000 | 4,915 |
| Average equity | $16,027,500 | 3,823 |
| Average total loans | $52,172,500 | 5,573 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4767% | 4,284 |
| Cost of funding earning assets | 1.8428% | 3,770 |
| Net interest margin | 3.6340% | 4,408 |
| Noninterest income to average assets | 0.6119% | 3,536 |
| Noninterest expense to average assets | 2.4676% | 6,248 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.1849% | 1,287 |
| Return on assets (ROA) | 1.1849% | 1,332 |
| Pretax return on assets | 1.4876% | 1,214 |
| Return on Equity (ROE) | 7.8903% | 2,415 |
| Retained earnings to average equity (ytd only) | 2.9628% | 3,095 |
| Net charge-offs to loans | 1.2197% | 2,019 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 2.1075% | 4,150 |
| Efficiency ratio | 62.3891% | 6,077 |
| Assets per employee ($millions) | 3.3823% | 5,302 |
| Cash dividends to net income (ytd only)* | 62.4500% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0586% | 42 |
| Loan loss allowance to noncurrent loans | 2,312.5000% | 176 |
| Noncurrent assets plus other real estate owned to assets | 1.5164% | 4,106 |
| Noncurrent loans to loans | 0.3485% | 6,578 |
| Net loans and leases to total assets | 46.3000% | 6,946 |
| Net loans and leases to deposits | 59.3080% | 6,682 |
| Net loans and leases to core deposits | 82.8162% | 5,839 |
| Total domestic deposits to total assets | 78.0670% | 6,199 |
| Equity capital to assets | 15.2025% | 868 |
| Core capital (leverage) ratio | 14.9344% | 802 |
| Tier 1 risk-based capital ratio | 25.7609% | 779 |
| Total risk-based capital ratio | 27.0946% | 760 |
| Memoranda: | ||
| Average total assets | $105,407,200 | 4,945 |
| Average earning assets | $96,974,000 | 4,926 |
| Average equity | $15,829,600 | 3,898 |
| Average total loans | $60,999,400 | 5,209 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5265% | 4,291 |
| Cost of funding earning assets | 1.8888% | 3,935 |
| Net interest margin | 3.6377% | 4,335 |
| Noninterest income to average assets | 0.4333% | 5,015 |
| Noninterest expense to average assets | 2.4860% | 6,119 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8716% | 2,530 |
| Return on assets (ROA) | 0.8716% | 2,602 |
| Pretax return on assets | 1.2948% | 1,963 |
| Return on Equity (ROE) | 5.8219% | 3,594 |
| Retained earnings to average equity (ytd only) | 5.8219% | 2,030 |
| Net charge-offs to loans | 1.5860% | 1,288 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 1.3667% | 4,756 |
| Efficiency ratio | 65.7534% | 5,411 |
| Assets per employee ($millions) | 3.5126% | 4,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7122% | 56 |
| Loan loss allowance to noncurrent loans | 1,279.2169% | 288 |
| Noncurrent assets plus other real estate owned to assets | 1.5878% | 3,974 |
| Noncurrent loans to loans | 0.5247% | 6,258 |
| Net loans and leases to total assets | 54.2060% | 6,359 |
| Net loans and leases to deposits | 73.6407% | 5,419 |
| Net loans and leases to core deposits | 102.5523% | 4,099 |
| Total domestic deposits to total assets | 73.6087% | 7,014 |
| Equity capital to assets | 14.8367% | 1,052 |
| Core capital (leverage) ratio | 14.5402% | 947 |
| Tier 1 risk-based capital ratio | 23.0002% | 1,109 |
| Total risk-based capital ratio | 24.3217% | 1,070 |
| Memoranda: | ||
| Average total assets | $105,546,250 | 4,969 |
| Average earning assets | $97,129,250 | 4,955 |
| Average equity | $15,802,000 | 3,954 |
| Average total loans | $63,049,000 | 5,166 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5322% | 4,428 |
| Cost of funding earning assets | 1.9595% | 3,961 |
| Net interest margin | 3.5726% | 4,484 |
| Noninterest income to average assets | 0.5267% | 4,216 |
| Noninterest expense to average assets | 2.3882% | 6,502 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9365% | 2,322 |
| Return on assets (ROA) | 0.9365% | 2,415 |
| Pretax return on assets | 1.4172% | 1,674 |
| Return on Equity (ROE) | 6.2357% | 3,541 |
| Retained earnings to average equity (ytd only) | 6.2357% | 1,913 |
| Net charge-offs to loans | 2.5185% | 685 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.9332% | 4,832 |
| Efficiency ratio | 62.7579% | 6,128 |
| Assets per employee ($millions) | 3.3941% | 5,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8705% | 54 |
| Loan loss allowance to noncurrent loans | 605.0360% | 559 |
| Noncurrent assets plus other real estate owned to assets | 1.9379% | 3,287 |
| Noncurrent loans to loans | 1.1355% | 4,944 |
| Net loans and leases to total assets | 54.1733% | 6,423 |
| Net loans and leases to deposits | 70.8124% | 5,895 |
| Net loans and leases to core deposits | 97.9179% | 4,707 |
| Total domestic deposits to total assets | 76.5026% | 6,437 |
| Equity capital to assets | 15.1374% | 1,002 |
| Core capital (leverage) ratio | 14.9851% | 926 |
| Tier 1 risk-based capital ratio | 23.5972% | 1,075 |
| Total risk-based capital ratio | 24.8946% | 1,051 |
| Memoranda: | ||
| Average total assets | $104,431,000 | 5,033 |
| Average earning assets | $95,839,670 | 5,013 |
| Average equity | $15,684,000 | 3,982 |
| Average total loans | $62,974,330 | 5,211 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5772% | 4,489 |
| Cost of funding earning assets | 2.0357% | 3,948 |
| Net interest margin | 3.5415% | 4,561 |
| Noninterest income to average assets | 0.5498% | 3,923 |
| Noninterest expense to average assets | 2.3453% | 6,387 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0035% | 2,301 |
| Return on assets (ROA) | 1.0035% | 2,436 |
| Pretax return on assets | 1.4418% | 1,840 |
| Return on Equity (ROE) | 6.7084% | 3,713 |
| Retained earnings to average equity (ytd only) | 6.7084% | 2,327 |
| Net charge-offs to loans | 0.2380% | 3,212 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 9.8684% | 2,006 |
| Efficiency ratio | 61.9289% | 6,060 |
| Assets per employee ($millions) | 3.5348% | 4,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2149% | 29 |
| Loan loss allowance to noncurrent loans | 4,033.3333% | 127 |
| Noncurrent assets plus other real estate owned to assets | 2.1755% | 2,634 |
| Noncurrent loans to loans | 0.2037% | 6,949 |
| Net loans and leases to total assets | 52.2698% | 6,655 |
| Net loans and leases to deposits | 66.2828% | 6,353 |
| Net loans and leases to core deposits | 90.8702% | 5,466 |
| Total domestic deposits to total assets | 78.8588% | 5,777 |
| Equity capital to assets | 14.8099% | 1,159 |
| Core capital (leverage) ratio | 14.7867% | 1,011 |
| Tier 1 risk-based capital ratio | 23.5299% | 1,135 |
| Total risk-based capital ratio | 24.8558% | 1,103 |
| Memoranda: | ||
| Average total assets | $104,038,500 | 5,066 |
| Average earning assets | $95,101,500 | 5,053 |
| Average equity | $15,562,500 | 4,029 |
| Average total loans | $63,859,500 | 5,212 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6439% | 2,272 |
| Cost of funding earning assets | 2.5383% | 4,009 |
| Net interest margin | 4.1056% | 2,683 |
| Noninterest income to average assets | 0.7194% | 2,994 |
| Noninterest expense to average assets | 2.4343% | 6,280 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3506% | 1,342 |
| Return on assets (ROA) | 1.3513% | 1,301 |
| Pretax return on assets | 2.0339% | 550 |
| Return on Equity (ROE) | 8.8150% | 2,707 |
| Retained earnings to average equity (ytd only) | 2.6704% | 3,513 |
| Net charge-offs to loans | 0.4356% | 2,651 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 6.7973% | 3,271 |
| Efficiency ratio | 54.4929% | 7,214 |
| Assets per employee ($millions) | 3.1885% | 5,512 |
| Cash dividends to net income (ytd only)* | 69.7059% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4218% | 27 |
| Loan loss allowance to noncurrent loans | 2,839.2045% | 230 |
| Noncurrent assets plus other real estate owned to assets | 2.3277% | 2,088 |
| Noncurrent loans to loans | 0.2614% | 6,593 |
| Net loans and leases to total assets | 61.0900% | 5,757 |
| Net loans and leases to deposits | 78.7080% | 5,240 |
| Net loans and leases to core deposits | 108.1308% | 3,952 |
| Total domestic deposits to total assets | 77.6161% | 5,832 |
| Equity capital to assets | 15.1128% | 1,133 |
| Core capital (leverage) ratio | 14.9104% | 1,059 |
| Tier 1 risk-based capital ratio | 21.6590% | 1,361 |
| Total risk-based capital ratio | 22.9804% | 1,312 |
| Memoranda: | ||
| Average total assets | $100,644,400 | 5,026 |
| Average earning assets | $91,874,200 | 5,032 |
| Average equity | $15,428,200 | 4,043 |
| Average total loans | $69,102,200 | 4,903 |