Home > Dearborn Savings Bank > Performance and Condition Ratios
Dearborn Savings Bank, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1208% | 4,902 |
| Cost of funding earning assets | 1.1329% | 950 |
| Net interest margin | 1.9879% | 5,017 |
| Noninterest income to average assets | 0.3307% | 3,548 |
| Noninterest expense to average assets | 6.7134% | 130 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -3.1976% | 5,080 |
| Return on assets (ROA) | -3.1976% | 5,071 |
| Pretax return on assets | -4.6201% | 5,082 |
| Return on Equity (ROE) | -32.7162% | 5,086 |
| Retained earnings to average equity (ytd only) | -32.7162% | 5,052 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 320.7154% | 12 |
| Assets per employee ($millions) | 7.9530% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9333% | 3,993 |
| Loan loss allowance to noncurrent loans | 658.8235% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 4,086 |
| Noncurrent loans to loans | 0.1417% | 3,956 |
| Net loans and leases to total assets | 74.7422% | 1,501 |
| Net loans and leases to deposits | 89.5454% | 1,561 |
| Net loans and leases to core deposits | 107.1929% | 986 |
| Total domestic deposits to total assets | 83.4685% | 2,955 |
| Equity capital to assets | 9.4398% | 4,275 |
| Core capital (leverage) ratio | 9.3502% | 4,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,221,500 | 3,606 |
| Average earning assets | $113,687,500 | 3,653 |
| Average equity | $12,532,000 | 3,938 |
| Average total loans | $97,444,500 | 3,257 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2228% | 3,756 |
| Cost of funding earning assets | 1.1632% | 1,116 |
| Net interest margin | 3.0596% | 4,435 |
| Noninterest income to average assets | 0.4167% | 3,199 |
| Noninterest expense to average assets | 2.3563% | 3,813 |
| Loan and lease loss provision to assets | 0.0235% | 3,550 |
| Net operating income to assets | 0.6384% | 4,047 |
| Return on assets (ROA) | 0.6384% | 4,114 |
| Pretax return on assets | 0.8186% | 3,934 |
| Return on Equity (ROE) | 6.1957% | 3,848 |
| Retained earnings to average equity (ytd only) | -12.8096% | 5,097 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6713% | 1,644 |
| Assets per employee ($millions) | 7.5997% | 830 |
| Cash dividends to net income (ytd only)* | 306.7485% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9061% | 3,933 |
| Loan loss allowance to noncurrent loans | 563.5220% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 4,027 |
| Noncurrent loans to loans | 0.1608% | 3,887 |
| Net loans and leases to total assets | 75.8458% | 1,442 |
| Net loans and leases to deposits | 90.8711% | 1,496 |
| Net loans and leases to core deposits | 108.0566% | 969 |
| Total domestic deposits to total assets | 83.4653% | 3,037 |
| Equity capital to assets | 10.1026% | 3,830 |
| Core capital (leverage) ratio | 9.9966% | 3,521 |
| Tier 1 risk-based capital ratio | 15.6018% | 2,540 |
| Total risk-based capital ratio | 16.6738% | 2,540 |
| Memoranda: | ||
| Average total assets | $127,659,600 | 3,592 |
| Average earning assets | $116,061,400 | 3,620 |
| Average equity | $13,154,200 | 3,874 |
| Average total loans | $100,397,800 | 3,221 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2341% | 3,847 |
| Cost of funding earning assets | 1.1528% | 1,166 |
| Net interest margin | 3.0814% | 4,506 |
| Noninterest income to average assets | 0.4347% | 3,109 |
| Noninterest expense to average assets | 2.4021% | 3,676 |
| Loan and lease loss provision to assets | 0.0314% | 3,276 |
| Net operating income to assets | 0.7029% | 4,002 |
| Return on assets (ROA) | 0.7029% | 4,069 |
| Pretax return on assets | 0.8181% | 4,079 |
| Return on Equity (ROE) | 6.7880% | 3,773 |
| Retained earnings to average equity (ytd only) | -18.5027% | 5,205 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8724% | 1,585 |
| Assets per employee ($millions) | 7.1579% | 966 |
| Cash dividends to net income (ytd only)* | 372.5800% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8905% | 4,085 |
| Loan loss allowance to noncurrent loans | 426.6667% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 3,926 |
| Noncurrent loans to loans | 0.2087% | 3,791 |
| Net loans and leases to total assets | 77.3950% | 1,244 |
| Net loans and leases to deposits | 93.3715% | 1,283 |
| Net loans and leases to core deposits | 112.1877% | 839 |
| Total domestic deposits to total assets | 82.8893% | 3,203 |
| Equity capital to assets | 10.0192% | 3,999 |
| Core capital (leverage) ratio | 9.9115% | 3,725 |
| Tier 1 risk-based capital ratio | 15.9533% | 2,447 |
| Total risk-based capital ratio | 17.0617% | 2,449 |
| Memoranda: | ||
| Average total assets | $127,275,750 | 3,638 |
| Average earning assets | $116,352,750 | 3,649 |
| Average equity | $13,179,750 | 3,910 |
| Average total loans | $100,776,000 | 3,255 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2245% | 3,859 |
| Cost of funding earning assets | 1.1385% | 1,169 |
| Net interest margin | 3.0860% | 4,557 |
| Noninterest income to average assets | 0.4244% | 3,102 |
| Noninterest expense to average assets | 2.4268% | 3,668 |
| Loan and lease loss provision to assets | 0.0473% | 2,871 |
| Net operating income to assets | 0.7069% | 3,986 |
| Return on assets (ROA) | 0.7069% | 4,039 |
| Pretax return on assets | 0.7732% | 4,154 |
| Return on Equity (ROE) | 6.7521% | 3,765 |
| Retained earnings to average equity (ytd only) | -30.9269% | 5,275 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7328% | 1,550 |
| Assets per employee ($millions) | 6.2798% | 1,350 |
| Cash dividends to net income (ytd only)* | 558.0357% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8814% | 4,163 |
| Loan loss allowance to noncurrent loans | 658.8235% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 4,239 |
| Noncurrent loans to loans | 0.1338% | 4,075 |
| Net loans and leases to total assets | 76.4028% | 1,490 |
| Net loans and leases to deposits | 91.5157% | 1,556 |
| Net loans and leases to core deposits | 108.9076% | 1,042 |
| Total domestic deposits to total assets | 83.4860% | 3,056 |
| Equity capital to assets | 9.6204% | 4,297 |
| Core capital (leverage) ratio | 9.7509% | 3,884 |
| Tier 1 risk-based capital ratio | 15.4440% | 2,643 |
| Total risk-based capital ratio | 16.5359% | 2,654 |
| Memoranda: | ||
| Average total assets | $126,753,330 | 3,669 |
| Average earning assets | $115,942,000 | 3,676 |
| Average equity | $13,270,000 | 3,890 |
| Average total loans | $100,830,000 | 3,276 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2204% | 3,805 |
| Cost of funding earning assets | 1.1177% | 1,130 |
| Net interest margin | 3.1027% | 4,597 |
| Noninterest income to average assets | 0.3446% | 3,557 |
| Noninterest expense to average assets | 2.4961% | 3,523 |
| Loan and lease loss provision to assets | 0.0644% | 2,376 |
| Net operating income to assets | 0.6474% | 4,105 |
| Return on assets (ROA) | 0.6474% | 4,138 |
| Pretax return on assets | 0.6184% | 4,476 |
| Return on Equity (ROE) | 5.9285% | 4,042 |
| Retained earnings to average equity (ytd only) | -67.8096% | 5,342 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5208% | 1,212 |
| Assets per employee ($millions) | 5.9782% | 1,563 |
| Cash dividends to net income (ytd only)* | 1,243.7811% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8657% | 4,285 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 80.8153% | 732 |
| Net loans and leases to deposits | 97.4948% | 839 |
| Net loans and leases to core deposits | 119.6199% | 537 |
| Total domestic deposits to total assets | 82.8919% | 3,422 |
| Equity capital to assets | 9.8962% | 3,921 |
| Core capital (leverage) ratio | 10.1214% | 3,462 |
| Tier 1 risk-based capital ratio | 15.3531% | 2,725 |
| Total risk-based capital ratio | 16.4478% | 2,705 |
| Memoranda: | ||
| Average total assets | $124,192,000 | 3,733 |
| Average earning assets | $113,448,000 | 3,754 |
| Average equity | $13,561,500 | 3,859 |
| Average total loans | $100,418,500 | 3,321 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0463% | 3,902 |
| Cost of funding earning assets | 0.9106% | 1,051 |
| Net interest margin | 3.1356% | 4,596 |
| Noninterest income to average assets | 0.6355% | 2,124 |
| Noninterest expense to average assets | 2.3723% | 3,951 |
| Loan and lease loss provision to assets | 0.0256% | 3,660 |
| Net operating income to assets | 0.8198% | 3,728 |
| Return on assets (ROA) | 0.8198% | 3,733 |
| Pretax return on assets | 1.0927% | 3,297 |
| Return on Equity (ROE) | 6.7333% | 3,916 |
| Retained earnings to average equity (ytd only) | 6.7333% | 1,793 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9619% | 2,555 |
| Assets per employee ($millions) | 5.5837% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8793% | 4,250 |
| Loan loss allowance to noncurrent loans | 671.3178% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 4,300 |
| Noncurrent loans to loans | 0.1310% | 4,150 |
| Net loans and leases to total assets | 79.4743% | 1,024 |
| Net loans and leases to deposits | 100.0810% | 741 |
| Net loans and leases to core deposits | 125.0826% | 416 |
| Total domestic deposits to total assets | 79.4100% | 4,235 |
| Equity capital to assets | 11.9659% | 1,921 |
| Core capital (leverage) ratio | 12.3172% | 1,553 |
| Tier 1 risk-based capital ratio | 18.8126% | 1,545 |
| Total risk-based capital ratio | 19.9190% | 1,537 |
| Memoranda: | ||
| Average total assets | $117,230,000 | 3,834 |
| Average earning assets | $106,740,800 | 3,862 |
| Average equity | $14,272,400 | 3,719 |
| Average total loans | $93,523,200 | 3,413 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9964% | 3,942 |
| Cost of funding earning assets | 0.8551% | 1,093 |
| Net interest margin | 3.1413% | 4,633 |
| Noninterest income to average assets | 0.6849% | 1,913 |
| Noninterest expense to average assets | 2.3298% | 4,020 |
| Loan and lease loss provision to assets | 0.0345% | 3,322 |
| Net operating income to assets | 0.8818% | 3,619 |
| Return on assets (ROA) | 0.8818% | 3,620 |
| Pretax return on assets | 1.1833% | 3,051 |
| Return on Equity (ROE) | 7.2097% | 3,856 |
| Retained earnings to average equity (ytd only) | 7.2097% | 2,017 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6716% | 2,927 |
| Assets per employee ($millions) | 5.1985% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8910% | 4,298 |
| Loan loss allowance to noncurrent loans | 555.1282% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 4,310 |
| Noncurrent loans to loans | 0.1605% | 4,162 |
| Net loans and leases to total assets | 80.5629% | 935 |
| Net loans and leases to deposits | 103.0875% | 597 |
| Net loans and leases to core deposits | 127.7164% | 373 |
| Total domestic deposits to total assets | 78.1500% | 4,463 |
| Equity capital to assets | 12.1382% | 1,813 |
| Core capital (leverage) ratio | 12.1484% | 1,694 |
| Tier 1 risk-based capital ratio | 17.7814% | 1,848 |
| Total risk-based capital ratio | 18.8412% | 1,862 |
| Memoranda: | ||
| Average total assets | $115,827,250 | 3,894 |
| Average earning assets | $105,559,250 | 3,924 |
| Average equity | $14,165,750 | 3,756 |
| Average total loans | $92,280,750 | 3,460 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9594% | 3,901 |
| Cost of funding earning assets | 0.7734% | 1,265 |
| Net interest margin | 3.1859% | 4,541 |
| Noninterest income to average assets | 0.6964% | 1,883 |
| Noninterest expense to average assets | 2.1801% | 4,413 |
| Loan and lease loss provision to assets | 0.0349% | 3,214 |
| Net operating income to assets | 1.0159% | 2,949 |
| Return on assets (ROA) | 1.0159% | 2,957 |
| Pretax return on assets | 1.3789% | 2,221 |
| Return on Equity (ROE) | 8.2847% | 3,367 |
| Retained earnings to average equity (ytd only) | 8.2847% | 1,497 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6605% | 3,823 |
| Assets per employee ($millions) | 5.2107% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8903% | 4,380 |
| Loan loss allowance to noncurrent loans | 731.6239% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.0976% | 4,514 |
| Noncurrent loans to loans | 0.1217% | 4,363 |
| Net loans and leases to total assets | 79.5087% | 1,093 |
| Net loans and leases to deposits | 103.0352% | 589 |
| Net loans and leases to core deposits | 128.8006% | 353 |
| Total domestic deposits to total assets | 77.1665% | 4,715 |
| Equity capital to assets | 11.9512% | 1,884 |
| Core capital (leverage) ratio | 12.4293% | 1,473 |
| Tier 1 risk-based capital ratio | 17.7618% | 1,870 |
| Total risk-based capital ratio | 18.8216% | 1,880 |
| Memoranda: | ||
| Average total assets | $114,581,330 | 3,943 |
| Average earning assets | $104,209,000 | 3,982 |
| Average equity | $14,050,000 | 3,790 |
| Average total loans | $90,644,000 | 3,504 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9158% | 3,882 |
| Cost of funding earning assets | 0.6945% | 1,471 |
| Net interest margin | 3.2213% | 4,398 |
| Noninterest income to average assets | 0.5109% | 2,743 |
| Noninterest expense to average assets | 2.0116% | 4,828 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0791% | 2,529 |
| Return on assets (ROA) | 1.0791% | 2,544 |
| Pretax return on assets | 1.4328% | 1,890 |
| Return on Equity (ROE) | 8.6822% | 3,071 |
| Retained earnings to average equity (ytd only) | 8.6822% | 1,588 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4025% | 4,296 |
| Assets per employee ($millions) | 5.0350% | 2,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9496% | 4,220 |
| Loan loss allowance to noncurrent loans | 708.4746% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.1065% | 4,552 |
| Noncurrent loans to loans | 0.1340% | 4,367 |
| Net loans and leases to total assets | 78.7183% | 1,124 |
| Net loans and leases to deposits | 98.4354% | 832 |
| Net loans and leases to core deposits | 121.6985% | 536 |
| Total domestic deposits to total assets | 79.9695% | 4,423 |
| Equity capital to assets | 12.6874% | 1,387 |
| Core capital (leverage) ratio | 12.6296% | 1,331 |
| Tier 1 risk-based capital ratio | 18.9553% | 1,560 |
| Total risk-based capital ratio | 20.0819% | 1,555 |
| Memoranda: | ||
| Average total assets | $111,949,000 | 4,028 |
| Average earning assets | $101,947,000 | 4,064 |
| Average equity | $13,913,500 | 3,841 |
| Average total loans | $87,894,000 | 3,592 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6636% | 4,423 |
| Cost of funding earning assets | 0.5867% | 1,699 |
| Net interest margin | 3.0770% | 4,734 |
| Noninterest income to average assets | 0.5726% | 2,592 |
| Noninterest expense to average assets | 2.4724% | 3,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4463% | 4,548 |
| Return on assets (ROA) | 0.4463% | 4,574 |
| Pretax return on assets | 0.8942% | 3,943 |
| Return on Equity (ROE) | 3.5452% | 4,669 |
| Retained earnings to average equity (ytd only) | -9.6584% | 5,526 |
| Net charge-offs to loans | 0.0079% | 3,802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 153.7143% | 474 |
| Efficiency ratio | 73.4387% | 1,994 |
| Assets per employee ($millions) | 5.6564% | 1,785 |
| Cash dividends to net income (ytd only)* | 372.4395% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 4,196 |
| Loan loss allowance to noncurrent loans | 519.2547% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 4,435 |
| Noncurrent loans to loans | 0.1835% | 4,184 |
| Net loans and leases to total assets | 76.8331% | 1,454 |
| Net loans and leases to deposits | 96.9753% | 996 |
| Net loans and leases to core deposits | 118.3376% | 640 |
| Total domestic deposits to total assets | 79.2295% | 4,495 |
| Equity capital to assets | 12.1748% | 1,719 |
| Core capital (leverage) ratio | 12.0392% | 1,584 |
| Tier 1 risk-based capital ratio | 18.6794% | 1,596 |
| Total risk-based capital ratio | 19.8141% | 1,579 |
| Memoranda: | ||
| Average total assets | $120,330,400 | 3,890 |
| Average earning assets | $109,263,000 | 3,935 |
| Average equity | $15,147,400 | 3,706 |
| Average total loans | $89,137,800 | 3,539 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6375% | 4,468 |
| Cost of funding earning assets | 0.5776% | 1,689 |
| Net interest margin | 3.0599% | 4,797 |
| Noninterest income to average assets | 0.5666% | 2,636 |
| Noninterest expense to average assets | 2.4869% | 3,779 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5699% | 4,508 |
| Return on assets (ROA) | 0.5699% | 4,547 |
| Pretax return on assets | 0.8559% | 4,195 |
| Return on Equity (ROE) | 4.4928% | 4,716 |
| Retained earnings to average equity (ytd only) | 4.4928% | 3,227 |
| Net charge-offs to loans | 0.0104% | 3,352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 112.0375% | 648 |
| Efficiency ratio | 74.3958% | 1,830 |
| Assets per employee ($millions) | 6.4623% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9417% | 4,369 |
| Loan loss allowance to noncurrent loans | 739.8230% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 4,752 |
| Noncurrent loans to loans | 0.1273% | 4,551 |
| Net loans and leases to total assets | 75.5988% | 1,659 |
| Net loans and leases to deposits | 95.4769% | 1,155 |
| Net loans and leases to core deposits | 118.1534% | 650 |
| Total domestic deposits to total assets | 79.1802% | 4,501 |
| Equity capital to assets | 13.5581% | 1,129 |
| Core capital (leverage) ratio | 13.5058% | 1,023 |
| Tier 1 risk-based capital ratio | 21.2914% | 1,146 |
| Total risk-based capital ratio | 22.4216% | 1,151 |
| Memoranda: | ||
| Average total assets | $122,131,250 | 3,901 |
| Average earning assets | $110,806,750 | 3,936 |
| Average equity | $15,491,000 | 3,691 |
| Average total loans | $89,483,500 | 3,567 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6300% | 4,428 |
| Cost of funding earning assets | 0.5780% | 1,590 |
| Net interest margin | 3.0519% | 4,786 |
| Noninterest income to average assets | 0.4288% | 3,499 |
| Noninterest expense to average assets | 2.4261% | 3,977 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5158% | 4,666 |
| Return on assets (ROA) | 0.5158% | 4,698 |
| Pretax return on assets | 0.7689% | 4,377 |
| Return on Equity (ROE) | 4.1565% | 4,782 |
| Retained earnings to average equity (ytd only) | 4.1565% | 3,233 |
| Net charge-offs to loans | 0.0156% | 2,933 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 68.1429% | 858 |
| Efficiency ratio | 75.9334% | 1,726 |
| Assets per employee ($millions) | 5.6274% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9498% | 4,419 |
| Loan loss allowance to noncurrent loans | 889.3617% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 4,878 |
| Noncurrent loans to loans | 0.1068% | 4,699 |
| Net loans and leases to total assets | 73.7705% | 1,915 |
| Net loans and leases to deposits | 91.7471% | 1,532 |
| Net loans and leases to core deposits | 113.4626% | 823 |
| Total domestic deposits to total assets | 80.4063% | 4,323 |
| Equity capital to assets | 13.1719% | 1,295 |
| Core capital (leverage) ratio | 12.6896% | 1,298 |
| Tier 1 risk-based capital ratio | 21.0396% | 1,169 |
| Total risk-based capital ratio | 22.1709% | 1,172 |
| Memoranda: | ||
| Average total assets | $124,067,670 | 3,895 |
| Average earning assets | $112,453,330 | 3,935 |
| Average equity | $15,397,670 | 3,711 |
| Average total loans | $89,720,000 | 3,581 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5242% | 4,627 |
| Cost of funding earning assets | 0.5856% | 1,473 |
| Net interest margin | 2.9385% | 5,010 |
| Noninterest income to average assets | 0.3622% | 3,943 |
| Noninterest expense to average assets | 2.2832% | 4,447 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5196% | 4,518 |
| Return on assets (ROA) | 0.5196% | 4,550 |
| Pretax return on assets | 0.7810% | 4,180 |
| Return on Equity (ROE) | 4.3099% | 4,664 |
| Retained earnings to average equity (ytd only) | 4.3099% | 3,270 |
| Net charge-offs to loans | 0.0132% | 2,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 82.6667% | 640 |
| Efficiency ratio | 74.5118% | 2,144 |
| Assets per employee ($millions) | 7.0765% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 4,626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 70.0189% | 2,374 |
| Net loans and leases to deposits | 89.4537% | 1,604 |
| Net loans and leases to core deposits | 107.4024% | 1,007 |
| Total domestic deposits to total assets | 78.2739% | 4,935 |
| Equity capital to assets | 12.0901% | 1,774 |
| Core capital (leverage) ratio | 12.1487% | 1,538 |
| Tier 1 risk-based capital ratio | 20.9898% | 1,217 |
| Total risk-based capital ratio | 22.1352% | 1,211 |
| Memoranda: | ||
| Average total assets | $127,013,500 | 3,892 |
| Average earning assets | $116,794,000 | 3,901 |
| Average equity | $15,313,500 | 3,744 |
| Average total loans | $90,572,500 | 3,588 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6913% | 4,235 |
| Cost of funding earning assets | 0.6208% | 1,201 |
| Net interest margin | 3.0705% | 4,799 |
| Noninterest income to average assets | 0.4089% | 3,811 |
| Noninterest expense to average assets | 2.2496% | 4,652 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6334% | 4,077 |
| Return on assets (ROA) | 0.6393% | 4,154 |
| Pretax return on assets | 0.9685% | 3,588 |
| Return on Equity (ROE) | 4.7266% | 4,552 |
| Retained earnings to average equity (ytd only) | -7.4397% | 5,742 |
| Net charge-offs to loans | 0.0011% | 4,244 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1,166.0000% | 57 |
| Efficiency ratio | 70.1026% | 2,884 |
| Assets per employee ($millions) | 6.6658% | 1,064 |
| Cash dividends to net income (ytd only)* | 257.4003% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 4,675 |
| Loan loss allowance to noncurrent loans | 1,187.3239% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 5,110 |
| Noncurrent loans to loans | 0.0779% | 4,928 |
| Net loans and leases to total assets | 71.2783% | 2,284 |
| Net loans and leases to deposits | 91.0736% | 1,567 |
| Net loans and leases to core deposits | 109.4137% | 936 |
| Total domestic deposits to total assets | 78.2645% | 4,937 |
| Equity capital to assets | 12.0229% | 1,780 |
| Core capital (leverage) ratio | 11.9985% | 1,601 |
| Tier 1 risk-based capital ratio | 20.7543% | 1,255 |
| Total risk-based capital ratio | 21.9033% | 1,236 |
| Memoranda: | ||
| Average total assets | $121,534,400 | 3,966 |
| Average earning assets | $110,829,200 | 3,995 |
| Average equity | $16,438,800 | 3,632 |
| Average total loans | $90,146,400 | 3,573 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7196% | 4,184 |
| Cost of funding earning assets | 0.6147% | 1,241 |
| Net interest margin | 3.1050% | 4,765 |
| Noninterest income to average assets | 0.4025% | 3,908 |
| Noninterest expense to average assets | 2.3039% | 4,524 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6150% | 4,233 |
| Return on assets (ROA) | 0.6231% | 4,318 |
| Pretax return on assets | 0.9391% | 3,850 |
| Return on Equity (ROE) | 4.4757% | 4,731 |
| Retained earnings to average equity (ytd only) | 4.4757% | 3,154 |
| Net charge-offs to loans | 0.0015% | 3,891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 838.0752% | 108 |
| Efficiency ratio | 71.3109% | 2,681 |
| Assets per employee ($millions) | 6.5846% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 4,832 |
| Loan loss allowance to noncurrent loans | 288.6986% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 4,513 |
| Noncurrent loans to loans | 0.3153% | 4,123 |
| Net loans and leases to total assets | 73.3396% | 1,978 |
| Net loans and leases to deposits | 93.7547% | 1,280 |
| Net loans and leases to core deposits | 116.9916% | 614 |
| Total domestic deposits to total assets | 78.2250% | 4,873 |
| Equity capital to assets | 13.6339% | 1,183 |
| Core capital (leverage) ratio | 13.5824% | 971 |
| Tier 1 risk-based capital ratio | 23.1920% | 980 |
| Total risk-based capital ratio | 24.3412% | 978 |
| Memoranda: | ||
| Average total assets | $120,255,500 | 4,014 |
| Average earning assets | $109,542,500 | 4,039 |
| Average equity | $16,741,750 | 3,617 |
| Average total loans | $89,903,750 | 3,597 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7581% | 4,102 |
| Cost of funding earning assets | 0.6022% | 1,297 |
| Net interest margin | 3.1559% | 4,675 |
| Noninterest income to average assets | 0.3557% | 4,230 |
| Noninterest expense to average assets | 2.3247% | 4,541 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5934% | 4,306 |
| Return on assets (ROA) | 0.5934% | 4,428 |
| Pretax return on assets | 0.8935% | 3,974 |
| Return on Equity (ROE) | 4.2316% | 4,826 |
| Retained earnings to average equity (ytd only) | 4.2316% | 3,218 |
| Net charge-offs to loans | 0.0022% | 3,631 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 530.0000% | 129 |
| Efficiency ratio | 72.2368% | 2,614 |
| Assets per employee ($millions) | 6.5867% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9215% | 4,881 |
| Loan loss allowance to noncurrent loans | 109.7656% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.6137% | 3,177 |
| Noncurrent loans to loans | 0.8396% | 2,647 |
| Net loans and leases to total assets | 72.4220% | 2,101 |
| Net loans and leases to deposits | 92.2352% | 1,481 |
| Net loans and leases to core deposits | 112.1333% | 806 |
| Total domestic deposits to total assets | 78.5189% | 4,895 |
| Equity capital to assets | 13.4578% | 1,257 |
| Core capital (leverage) ratio | 14.1063% | 792 |
| Tier 1 risk-based capital ratio | 22.7895% | 1,039 |
| Total risk-based capital ratio | 23.9329% | 1,036 |
| Memoranda: | ||
| Average total assets | $118,638,330 | 4,071 |
| Average earning assets | $107,608,330 | 4,105 |
| Average equity | $16,636,670 | 3,638 |
| Average total loans | $89,006,330 | 3,633 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8718% | 3,690 |
| Cost of funding earning assets | 0.6127% | 1,251 |
| Net interest margin | 3.2590% | 4,365 |
| Noninterest income to average assets | 0.3987% | 3,841 |
| Noninterest expense to average assets | 2.3643% | 4,477 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6517% | 3,968 |
| Return on assets (ROA) | 0.6517% | 4,089 |
| Pretax return on assets | 0.9845% | 3,538 |
| Return on Equity (ROE) | 4.5482% | 4,681 |
| Retained earnings to average equity (ytd only) | 4.5482% | 3,210 |
| Net charge-offs to loans | 0.0046% | 2,966 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 284.0000% | 208 |
| Efficiency ratio | 70.6004% | 3,026 |
| Assets per employee ($millions) | 6.3611% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 4,824 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 76.4402% | 1,326 |
| Net loans and leases to deposits | 94.2781% | 1,123 |
| Net loans and leases to core deposits | 106.1489% | 1,069 |
| Total domestic deposits to total assets | 81.0795% | 4,476 |
| Equity capital to assets | 14.5424% | 827 |
| Core capital (leverage) ratio | 14.3204% | 732 |
| Tier 1 risk-based capital ratio | 23.7063% | 949 |
| Total risk-based capital ratio | 24.9074% | 943 |
| Memoranda: | ||
| Average total assets | $115,384,000 | 4,162 |
| Average earning assets | $104,448,000 | 4,201 |
| Average equity | $16,534,000 | 3,656 |
| Average total loans | $87,771,000 | 3,657 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8521% | 3,875 |
| Cost of funding earning assets | 0.6047% | 1,335 |
| Net interest margin | 3.2475% | 4,478 |
| Noninterest income to average assets | 0.3126% | 4,658 |
| Noninterest expense to average assets | 2.2754% | 4,859 |
| Loan and lease loss provision to assets | -0.0875% | 5,833 |
| Net operating income to assets | 0.7009% | 3,805 |
| Return on assets (ROA) | 0.7169% | 3,838 |
| Pretax return on assets | 1.0770% | 3,163 |
| Return on Equity (ROE) | 5.1439% | 4,441 |
| Retained earnings to average equity (ytd only) | -6.9235% | 5,974 |
| Net charge-offs to loans | -0.0492% | 5,550 |
| Credit loss provision to net charge-offs | 239.5349% | 1,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2044% | 3,191 |
| Assets per employee ($millions) | 6.1194% | 1,307 |
| Cash dividends to net income (ytd only)* | 234.5972% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9682% | 4,780 |
| Loan loss allowance to noncurrent loans | 181.8966% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.3991% | 4,003 |
| Noncurrent loans to loans | 0.5323% | 3,574 |
| Net loans and leases to total assets | 74.2517% | 1,687 |
| Net loans and leases to deposits | 92.9370% | 1,309 |
| Net loans and leases to core deposits | 104.6069% | 1,190 |
| Total domestic deposits to total assets | 79.8947% | 4,769 |
| Equity capital to assets | 14.1200% | 891 |
| Core capital (leverage) ratio | 14.1170% | 790 |
| Tier 1 risk-based capital ratio | 22.9579% | 1,015 |
| Total risk-based capital ratio | 24.1358% | 1,014 |
| Memoranda: | ||
| Average total assets | $117,737,200 | 4,102 |
| Average earning assets | $106,175,000 | 4,138 |
| Average equity | $16,407,800 | 3,616 |
| Average total loans | $87,318,400 | 3,645 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8615% | 3,888 |
| Cost of funding earning assets | 0.6000% | 1,405 |
| Net interest margin | 3.2615% | 4,486 |
| Noninterest income to average assets | 0.2574% | 5,098 |
| Noninterest expense to average assets | 2.2883% | 4,808 |
| Loan and lease loss provision to assets | -0.0677% | 5,951 |
| Net operating income to assets | 0.6440% | 4,167 |
| Return on assets (ROA) | 0.6604% | 4,195 |
| Pretax return on assets | 1.0014% | 3,607 |
| Return on Equity (ROE) | 4.7544% | 4,735 |
| Retained earnings to average equity (ytd only) | -11.3374% | 6,145 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5749% | 2,950 |
| Assets per employee ($millions) | 6.9025% | 903 |
| Cash dividends to net income (ytd only)* | 338.4612% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 4,909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 73.6780% | 1,789 |
| Net loans and leases to deposits | 93.0745% | 1,295 |
| Net loans and leases to core deposits | 105.8006% | 1,114 |
| Total domestic deposits to total assets | 79.1602% | 4,937 |
| Equity capital to assets | 13.8006% | 1,101 |
| Core capital (leverage) ratio | 13.7452% | 930 |
| Tier 1 risk-based capital ratio | 22.4277% | 1,139 |
| Total risk-based capital ratio | 23.5968% | 1,125 |
| Memoranda: | ||
| Average total assets | $118,104,500 | 4,140 |
| Average earning assets | $106,450,500 | 4,170 |
| Average equity | $16,405,500 | 3,641 |
| Average total loans | $87,354,250 | 3,686 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8469% | 3,888 |
| Cost of funding earning assets | 0.5946% | 1,455 |
| Net interest margin | 3.2524% | 4,487 |
| Noninterest income to average assets | 0.2112% | 5,427 |
| Noninterest expense to average assets | 2.2744% | 4,911 |
| Loan and lease loss provision to assets | -0.1014% | 6,088 |
| Net operating income to assets | 0.6345% | 4,197 |
| Return on assets (ROA) | 0.6590% | 4,183 |
| Pretax return on assets | 1.0054% | 3,567 |
| Return on Equity (ROE) | 4.7342% | 4,735 |
| Retained earnings to average equity (ytd only) | -19.3008% | 6,262 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4045% | 2,951 |
| Assets per employee ($millions) | 6.1825% | 1,227 |
| Cash dividends to net income (ytd only)* | 507.6923% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9676% | 5,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 5,503 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 73.5398% | 1,739 |
| Net loans and leases to deposits | 94.3645% | 1,120 |
| Net loans and leases to core deposits | 107.7805% | 968 |
| Total domestic deposits to total assets | 77.9317% | 5,291 |
| Equity capital to assets | 13.6021% | 1,127 |
| Core capital (leverage) ratio | 13.5524% | 971 |
| Tier 1 risk-based capital ratio | 22.1705% | 1,180 |
| Total risk-based capital ratio | 23.3403% | 1,175 |
| Memoranda: | ||
| Average total assets | $118,358,330 | 4,182 |
| Average earning assets | $106,630,330 | 4,210 |
| Average equity | $16,476,000 | 3,645 |
| Average total loans | $87,372,330 | 3,702 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8661% | 3,762 |
| Cost of funding earning assets | 0.5925% | 1,488 |
| Net interest margin | 3.2736% | 4,333 |
| Noninterest income to average assets | 0.2626% | 5,075 |
| Noninterest expense to average assets | 2.2356% | 5,060 |
| Loan and lease loss provision to assets | -0.0337% | 6,134 |
| Net operating income to assets | 0.6522% | 4,037 |
| Return on assets (ROA) | 0.7003% | 3,922 |
| Pretax return on assets | 1.0740% | 3,199 |
| Return on Equity (ROE) | 4.9746% | 4,541 |
| Retained earnings to average equity (ytd only) | -42.3797% | 6,378 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8212% | 3,524 |
| Assets per employee ($millions) | 6.2109% | 1,253 |
| Cash dividends to net income (ytd only)* | 951.9231% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 4,872 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 5,497 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 72.8713% | 1,677 |
| Net loans and leases to deposits | 93.3216% | 1,054 |
| Net loans and leases to core deposits | 107.1563% | 864 |
| Total domestic deposits to total assets | 78.0862% | 5,434 |
| Equity capital to assets | 13.4237% | 1,205 |
| Core capital (leverage) ratio | 13.3396% | 1,037 |
| Tier 1 risk-based capital ratio | 21.9614% | 1,252 |
| Total risk-based capital ratio | 23.2030% | 1,231 |
| Memoranda: | ||
| Average total assets | $118,804,000 | 4,206 |
| Average earning assets | $106,671,000 | 4,241 |
| Average equity | $16,725,000 | 3,626 |
| Average total loans | $87,444,000 | 3,714 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0564% | 3,498 |
| Cost of funding earning assets | 0.6130% | 1,652 |
| Net interest margin | 3.4434% | 4,009 |
| Noninterest income to average assets | 0.4555% | 3,797 |
| Noninterest expense to average assets | 2.3468% | 4,981 |
| Loan and lease loss provision to assets | -0.0591% | 6,061 |
| Net operating income to assets | 0.8223% | 3,271 |
| Return on assets (ROA) | 0.8613% | 3,155 |
| Pretax return on assets | 1.3067% | 2,222 |
| Return on Equity (ROE) | 5.9997% | 4,151 |
| Retained earnings to average equity (ytd only) | 5.9997% | 1,934 |
| Net charge-offs to loans | 0.0080% | 4,763 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,899 |
| Earnings coverage of net charge-offs (x) | 201.2857% | 265 |
| Efficiency ratio | 66.3803% | 4,185 |
| Assets per employee ($millions) | 6.2947% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 4,912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1212% | 5,546 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 72.8227% | 1,788 |
| Net loans and leases to deposits | 95.7920% | 915 |
| Net loans and leases to core deposits | 110.3501% | 760 |
| Total domestic deposits to total assets | 76.0217% | 5,725 |
| Equity capital to assets | 14.7232% | 753 |
| Core capital (leverage) ratio | 14.6819% | 667 |
| Tier 1 risk-based capital ratio | 23.3292% | 1,027 |
| Total risk-based capital ratio | 24.5306% | 1,015 |
| Memoranda: | ||
| Average total assets | $118,542,800 | 4,214 |
| Average earning assets | $106,029,200 | 4,266 |
| Average equity | $17,017,400 | 3,523 |
| Average total loans | $87,998,600 | 3,675 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0853% | 3,437 |
| Cost of funding earning assets | 0.6173% | 1,701 |
| Net interest margin | 3.4680% | 3,951 |
| Noninterest income to average assets | 0.4712% | 3,736 |
| Noninterest expense to average assets | 2.3751% | 4,895 |
| Loan and lease loss provision to assets | -0.0451% | 6,172 |
| Net operating income to assets | 0.8210% | 3,333 |
| Return on assets (ROA) | 0.8195% | 3,437 |
| Pretax return on assets | 1.2355% | 2,635 |
| Return on Equity (ROE) | 5.7459% | 4,367 |
| Retained earnings to average equity (ytd only) | 5.7459% | 2,576 |
| Net charge-offs to loans | 0.0106% | 4,366 |
| Credit loss provision to net charge-offs | -571.4286% | 5,776 |
| Earnings coverage of net charge-offs (x) | 151.1929% | 414 |
| Efficiency ratio | 66.5719% | 4,123 |
| Assets per employee ($millions) | 6.1053% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 4,866 |
| Loan loss allowance to noncurrent loans | 972.9167% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.5138% | 4,342 |
| Noncurrent loans to loans | 0.1103% | 5,600 |
| Net loans and leases to total assets | 74.2511% | 1,481 |
| Net loans and leases to deposits | 97.4410% | 767 |
| Net loans and leases to core deposits | 107.4193% | 878 |
| Total domestic deposits to total assets | 76.2011% | 5,790 |
| Equity capital to assets | 14.9335% | 746 |
| Core capital (leverage) ratio | 14.8848% | 638 |
| Tier 1 risk-based capital ratio | 22.5621% | 1,177 |
| Total risk-based capital ratio | 23.7828% | 1,165 |
| Memoranda: | ||
| Average total assets | $118,278,500 | 4,255 |
| Average earning assets | $105,611,750 | 4,315 |
| Average equity | $16,869,500 | 3,558 |
| Average total loans | $87,998,250 | 3,707 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0920% | 3,385 |
| Cost of funding earning assets | 0.6166% | 1,761 |
| Net interest margin | 3.4754% | 3,876 |
| Noninterest income to average assets | 0.5393% | 3,211 |
| Noninterest expense to average assets | 2.4530% | 4,724 |
| Loan and lease loss provision to assets | -0.0336% | 6,269 |
| Net operating income to assets | 0.8020% | 3,323 |
| Return on assets (ROA) | 0.7997% | 3,440 |
| Pretax return on assets | 1.2131% | 2,603 |
| Return on Equity (ROE) | 5.6943% | 4,329 |
| Retained earnings to average equity (ytd only) | 5.6943% | 2,517 |
| Net charge-offs to loans | 0.0634% | 3,080 |
| Credit loss provision to net charge-offs | -71.4286% | 5,211 |
| Earnings coverage of net charge-offs (x) | 25.1429% | 1,406 |
| Efficiency ratio | 67.4677% | 4,119 |
| Assets per employee ($millions) | 6.4258% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0651% | 5,041 |
| Loan loss allowance to noncurrent loans | 3,887.5000% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.4087% | 4,787 |
| Noncurrent loans to loans | 0.0274% | 5,983 |
| Net loans and leases to total assets | 70.9829% | 1,923 |
| Net loans and leases to deposits | 92.5116% | 1,095 |
| Net loans and leases to core deposits | 101.3756% | 1,179 |
| Total domestic deposits to total assets | 76.7286% | 5,827 |
| Equity capital to assets | 13.9954% | 971 |
| Core capital (leverage) ratio | 13.9418% | 851 |
| Tier 1 risk-based capital ratio | 21.7160% | 1,306 |
| Total risk-based capital ratio | 22.9070% | 1,296 |
| Memoranda: | ||
| Average total assets | $119,037,670 | 4,262 |
| Average earning assets | $106,061,000 | 4,323 |
| Average equity | $16,718,330 | 3,579 |
| Average total loans | $88,309,000 | 3,708 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1826% | 2,939 |
| Cost of funding earning assets | 0.6220% | 1,790 |
| Net interest margin | 3.5605% | 3,434 |
| Noninterest income to average assets | 0.5344% | 3,150 |
| Noninterest expense to average assets | 2.5836% | 4,329 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7625% | 3,344 |
| Return on assets (ROA) | 0.7625% | 3,430 |
| Pretax return on assets | 1.1267% | 2,783 |
| Return on Equity (ROE) | 5.4191% | 4,319 |
| Retained earnings to average equity (ytd only) | 5.4191% | 2,841 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6330% | 3,889 |
| Assets per employee ($millions) | 6.5468% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 5,059 |
| Loan loss allowance to noncurrent loans | 817.5000% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.6619% | 4,140 |
| Noncurrent loans to loans | 0.1362% | 5,698 |
| Net loans and leases to total assets | 73.9102% | 1,283 |
| Net loans and leases to deposits | 96.5011% | 620 |
| Net loans and leases to core deposits | 103.2542% | 904 |
| Total domestic deposits to total assets | 76.5900% | 6,014 |
| Equity capital to assets | 14.1621% | 869 |
| Core capital (leverage) ratio | 14.1708% | 768 |
| Tier 1 risk-based capital ratio | 21.7430% | 1,333 |
| Total risk-based capital ratio | 22.9928% | 1,313 |
| Memoranda: | ||
| Average total assets | $117,511,500 | 4,324 |
| Average earning assets | $104,816,000 | 4,390 |
| Average equity | $16,534,000 | 3,617 |
| Average total loans | $88,665,500 | 3,737 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2944% | 2,980 |
| Cost of funding earning assets | 0.6793% | 1,965 |
| Net interest margin | 3.6151% | 3,396 |
| Noninterest income to average assets | 0.3679% | 4,679 |
| Noninterest expense to average assets | 2.3817% | 5,125 |
| Loan and lease loss provision to assets | -0.0173% | 6,290 |
| Net operating income to assets | 0.8134% | 3,226 |
| Return on assets (ROA) | 0.8290% | 3,224 |
| Pretax return on assets | 1.2435% | 2,402 |
| Return on Equity (ROE) | 6.0102% | 4,080 |
| Retained earnings to average equity (ytd only) | 6.0102% | 1,962 |
| Net charge-offs to loans | 0.0329% | 4,774 |
| Credit loss provision to net charge-offs | -68.9655% | 5,830 |
| Earnings coverage of net charge-offs (x) | 48.0345% | 820 |
| Efficiency ratio | 66.4418% | 4,482 |
| Assets per employee ($millions) | 6.5100% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 5,151 |
| Loan loss allowance to noncurrent loans | 817.5000% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.7467% | 4,020 |
| Noncurrent loans to loans | 0.1345% | 5,804 |
| Net loans and leases to total assets | 75.3294% | 1,181 |
| Net loans and leases to deposits | 98.2393% | 575 |
| Net loans and leases to core deposits | 105.1834% | 838 |
| Total domestic deposits to total assets | 76.6795% | 6,029 |
| Equity capital to assets | 13.9776% | 904 |
| Core capital (leverage) ratio | 14.0495% | 815 |
| Tier 1 risk-based capital ratio | 20.8440% | 1,454 |
| Total risk-based capital ratio | 22.0850% | 1,438 |
| Memoranda: | ||
| Average total assets | $115,801,800 | 4,369 |
| Average earning assets | $103,040,000 | 4,433 |
| Average equity | $15,972,800 | 3,705 |
| Average total loans | $88,076,000 | 3,731 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3063% | 2,955 |
| Cost of funding earning assets | 0.6776% | 2,113 |
| Net interest margin | 3.6288% | 3,327 |
| Noninterest income to average assets | 0.3742% | 4,716 |
| Noninterest expense to average assets | 2.3939% | 5,043 |
| Loan and lease loss provision to assets | 0.0462% | 4,088 |
| Net operating income to assets | 0.7806% | 3,454 |
| Return on assets (ROA) | 0.7830% | 3,565 |
| Pretax return on assets | 1.1721% | 2,807 |
| Return on Equity (ROE) | 5.6957% | 4,346 |
| Retained earnings to average equity (ytd only) | 5.6957% | 2,600 |
| Net charge-offs to loans | 0.2764% | 2,169 |
| Credit loss provision to net charge-offs | 21.9780% | 4,040 |
| Earnings coverage of net charge-offs (x) | 5.7802% | 3,106 |
| Efficiency ratio | 66.3360% | 4,427 |
| Assets per employee ($millions) | 6.5467% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 5,768 |
| Loan loss allowance to noncurrent loans | 733.8843% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.6415% | 4,514 |
| Noncurrent loans to loans | 0.1349% | 5,920 |
| Net loans and leases to total assets | 75.3641% | 1,092 |
| Net loans and leases to deposits | 97.8245% | 580 |
| Net loans and leases to core deposits | 104.1516% | 872 |
| Total domestic deposits to total assets | 77.0401% | 6,042 |
| Equity capital to assets | 13.7237% | 1,046 |
| Core capital (leverage) ratio | 13.7398% | 941 |
| Tier 1 risk-based capital ratio | 20.4127% | 1,619 |
| Total risk-based capital ratio | 21.5320% | 1,634 |
| Memoranda: | ||
| Average total assets | $115,457,250 | 4,422 |
| Average earning assets | $102,915,250 | 4,480 |
| Average equity | $15,871,250 | 3,763 |
| Average total loans | $87,782,000 | 3,764 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3296% | 2,831 |
| Cost of funding earning assets | 0.6802% | 2,218 |
| Net interest margin | 3.6494% | 3,177 |
| Noninterest income to average assets | 0.3855% | 4,626 |
| Noninterest expense to average assets | 2.4071% | 5,034 |
| Loan and lease loss provision to assets | 0.1047% | 3,043 |
| Net operating income to assets | 0.7501% | 3,565 |
| Return on assets (ROA) | 0.7535% | 3,699 |
| Pretax return on assets | 1.1355% | 2,948 |
| Return on Equity (ROE) | 5.4784% | 4,472 |
| Retained earnings to average equity (ytd only) | 5.4784% | 2,755 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0920% | 4,534 |
| Assets per employee ($millions) | 6.4126% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 4,805 |
| Loan loss allowance to noncurrent loans | 212.8906% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.9937% | 3,775 |
| Noncurrent loans to loans | 0.5807% | 4,810 |
| Net loans and leases to total assets | 75.4451% | 1,048 |
| Net loans and leases to deposits | 96.1086% | 662 |
| Net loans and leases to core deposits | 101.6221% | 967 |
| Total domestic deposits to total assets | 78.4998% | 5,879 |
| Equity capital to assets | 13.7975% | 1,022 |
| Core capital (leverage) ratio | 13.8131% | 874 |
| Tier 1 risk-based capital ratio | 20.1920% | 1,679 |
| Total risk-based capital ratio | 21.4430% | 1,654 |
| Memoranda: | ||
| Average total assets | $114,663,000 | 4,472 |
| Average earning assets | $102,318,330 | 4,511 |
| Average equity | $15,771,000 | 3,807 |
| Average total loans | $87,143,670 | 3,787 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3459% | 2,708 |
| Cost of funding earning assets | 0.6749% | 2,438 |
| Net interest margin | 3.6710% | 2,984 |
| Noninterest income to average assets | 0.3360% | 5,008 |
| Noninterest expense to average assets | 2.3661% | 5,210 |
| Loan and lease loss provision to assets | 0.1400% | 2,494 |
| Net operating income to assets | 0.7664% | 3,348 |
| Return on assets (ROA) | 0.7735% | 3,453 |
| Pretax return on assets | 1.1340% | 2,841 |
| Return on Equity (ROE) | 5.6329% | 4,239 |
| Retained earnings to average equity (ytd only) | 5.6329% | 2,873 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1880% | 4,796 |
| Assets per employee ($millions) | 6.4144% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 5,075 |
| Loan loss allowance to noncurrent loans | 208.1712% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.9951% | 3,935 |
| Noncurrent loans to loans | 0.5875% | 4,972 |
| Net loans and leases to total assets | 74.8432% | 978 |
| Net loans and leases to deposits | 95.3765% | 571 |
| Net loans and leases to core deposits | 100.8355% | 904 |
| Total domestic deposits to total assets | 78.4713% | 6,054 |
| Equity capital to assets | 13.6861% | 1,142 |
| Core capital (leverage) ratio | 13.5888% | 915 |
| Tier 1 risk-based capital ratio | 19.8234% | 1,817 |
| Total risk-based capital ratio | 21.0744% | 1,784 |
| Memoranda: | ||
| Average total assets | $114,281,000 | 4,519 |
| Average earning assets | $102,533,500 | 4,551 |
| Average equity | $15,693,500 | 3,875 |
| Average total loans | $86,628,500 | 3,825 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6101% | 2,959 |
| Cost of funding earning assets | 0.8149% | 2,544 |
| Net interest margin | 3.7952% | 3,246 |
| Noninterest income to average assets | 0.5858% | 3,356 |
| Noninterest expense to average assets | 2.3562% | 5,543 |
| Loan and lease loss provision to assets | 0.2465% | 2,682 |
| Net operating income to assets | 0.9165% | 2,737 |
| Return on assets (ROA) | 0.9677% | 2,708 |
| Pretax return on assets | 1.4467% | 1,868 |
| Return on Equity (ROE) | 7.3304% | 3,449 |
| Retained earnings to average equity (ytd only) | 7.3304% | 1,409 |
| Net charge-offs to loans | 0.3704% | 2,775 |
| Credit loss provision to net charge-offs | 89.0282% | 3,511 |
| Earnings coverage of net charge-offs (x) | 5.8401% | 2,934 |
| Efficiency ratio | 59.3054% | 5,652 |
| Assets per employee ($millions) | 6.2834% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2008% | 5,108 |
| Loan loss allowance to noncurrent loans | 919.6429% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.6994% | 4,738 |
| Noncurrent loans to loans | 0.1306% | 6,158 |
| Net loans and leases to total assets | 74.9262% | 1,062 |
| Net loans and leases to deposits | 94.8089% | 696 |
| Net loans and leases to core deposits | 100.5947% | 990 |
| Total domestic deposits to total assets | 79.0287% | 5,880 |
| Equity capital to assets | 13.7796% | 1,125 |
| Core capital (leverage) ratio | 13.6766% | 891 |
| Tier 1 risk-based capital ratio | 19.5029% | 1,812 |
| Total risk-based capital ratio | 20.7539% | 1,780 |
| Memoranda: | ||
| Average total assets | $115,226,800 | 4,460 |
| Average earning assets | $102,840,400 | 4,519 |
| Average equity | $15,210,600 | 3,915 |
| Average total loans | $86,129,200 | 3,842 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6357% | 3,076 |
| Cost of funding earning assets | 0.8481% | 2,556 |
| Net interest margin | 3.7875% | 3,389 |
| Noninterest income to average assets | 0.5045% | 3,897 |
| Noninterest expense to average assets | 2.3393% | 5,576 |
| Loan and lease loss provision to assets | 0.2926% | 2,246 |
| Net operating income to assets | 0.8417% | 3,250 |
| Return on assets (ROA) | 0.8926% | 3,256 |
| Pretax return on assets | 1.3280% | 2,502 |
| Return on Equity (ROE) | 6.8354% | 3,895 |
| Retained earnings to average equity (ytd only) | 6.8354% | 2,217 |
| Net charge-offs to loans | 0.4546% | 2,281 |
| Credit loss provision to net charge-offs | 86.3946% | 3,419 |
| Earnings coverage of net charge-offs (x) | 4.5612% | 3,270 |
| Efficiency ratio | 60.2313% | 5,460 |
| Assets per employee ($millions) | 6.3640% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 5,117 |
| Loan loss allowance to noncurrent loans | 2,562.5000% | 216 |
| Noncurrent assets plus other real estate owned to assets | 1.1986% | 3,890 |
| Noncurrent loans to loans | 0.0482% | 6,497 |
| Net loans and leases to total assets | 71.5387% | 1,639 |
| Net loans and leases to deposits | 88.6788% | 1,274 |
| Net loans and leases to core deposits | 93.6367% | 1,613 |
| Total domestic deposits to total assets | 80.6717% | 5,465 |
| Equity capital to assets | 13.3084% | 1,433 |
| Core capital (leverage) ratio | 13.2076% | 1,110 |
| Tier 1 risk-based capital ratio | 19.1173% | 1,973 |
| Total risk-based capital ratio | 20.3684% | 1,943 |
| Memoranda: | ||
| Average total assets | $115,758,000 | 4,488 |
| Average earning assets | $103,283,250 | 4,561 |
| Average equity | $15,117,000 | 3,973 |
| Average total loans | $86,218,250 | 3,883 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7120% | 2,865 |
| Cost of funding earning assets | 0.8729% | 2,636 |
| Net interest margin | 3.8391% | 3,183 |
| Noninterest income to average assets | 0.3220% | 5,249 |
| Noninterest expense to average assets | 2.2555% | 5,857 |
| Loan and lease loss provision to assets | 0.3874% | 1,693 |
| Net operating income to assets | 0.7434% | 3,633 |
| Return on assets (ROA) | 0.8196% | 3,561 |
| Pretax return on assets | 1.2156% | 2,858 |
| Return on Equity (ROE) | 6.3154% | 4,146 |
| Retained earnings to average equity (ytd only) | 6.3154% | 2,496 |
| Net charge-offs to loans | 0.4467% | 2,265 |
| Credit loss provision to net charge-offs | 115.3846% | 2,379 |
| Earnings coverage of net charge-offs (x) | 4.4359% | 3,085 |
| Efficiency ratio | 60.2299% | 5,539 |
| Assets per employee ($millions) | 6.4741% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 4,944 |
| Loan loss allowance to noncurrent loans | 214.7059% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 1.4545% | 3,529 |
| Noncurrent loans to loans | 0.5990% | 5,317 |
| Net loans and leases to total assets | 72.1178% | 1,537 |
| Net loans and leases to deposits | 89.6237% | 1,181 |
| Net loans and leases to core deposits | 94.5694% | 1,545 |
| Total domestic deposits to total assets | 80.4673% | 5,624 |
| Equity capital to assets | 12.7638% | 1,647 |
| Core capital (leverage) ratio | 12.7188% | 1,249 |
| Tier 1 risk-based capital ratio | 18.9877% | 1,971 |
| Total risk-based capital ratio | 20.2399% | 1,953 |
| Memoranda: | ||
| Average total assets | $116,160,000 | 4,500 |
| Average earning assets | $103,566,000 | 4,583 |
| Average equity | $15,074,330 | 3,973 |
| Average total loans | $87,299,670 | 3,875 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7810% | 2,711 |
| Cost of funding earning assets | 0.9121% | 2,591 |
| Net interest margin | 3.8688% | 3,060 |
| Noninterest income to average assets | 0.5898% | 3,299 |
| Noninterest expense to average assets | 2.2246% | 5,977 |
| Loan and lease loss provision to assets | 0.6036% | 948 |
| Net operating income to assets | 0.8174% | 3,309 |
| Return on assets (ROA) | 0.8174% | 3,538 |
| Pretax return on assets | 1.2141% | 2,862 |
| Return on Equity (ROE) | 6.2473% | 4,165 |
| Retained earnings to average equity (ytd only) | 6.2473% | 2,820 |
| Net charge-offs to loans | 0.8780% | 1,166 |
| Credit loss provision to net charge-offs | 90.2062% | 2,540 |
| Earnings coverage of net charge-offs (x) | 2.7165% | 3,093 |
| Efficiency ratio | 55.0341% | 6,224 |
| Assets per employee ($millions) | 6.4354% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 5,527 |
| Loan loss allowance to noncurrent loans | 80.6476% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.9536% | 2,969 |
| Noncurrent loans to loans | 1.4773% | 3,902 |
| Net loans and leases to total assets | 74.8899% | 936 |
| Net loans and leases to deposits | 92.9897% | 728 |
| Net loans and leases to core deposits | 99.0026% | 1,053 |
| Total domestic deposits to total assets | 80.5357% | 5,714 |
| Equity capital to assets | 12.5952% | 1,661 |
| Core capital (leverage) ratio | 12.5298% | 1,329 |
| Tier 1 risk-based capital ratio | 17.6858% | 2,411 |
| Total risk-based capital ratio | 18.9362% | 2,383 |
| Memoranda: | ||
| Average total assets | $115,973,500 | 4,542 |
| Average earning assets | $103,494,000 | 4,618 |
| Average equity | $15,174,500 | 3,958 |
| Average total loans | $88,381,500 | 3,874 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0104% | 2,830 |
| Cost of funding earning assets | 1.1566% | 2,308 |
| Net interest margin | 3.8538% | 3,551 |
| Noninterest income to average assets | 0.3109% | 5,323 |
| Noninterest expense to average assets | 2.4196% | 5,722 |
| Loan and lease loss provision to assets | 0.2800% | 3,429 |
| Net operating income to assets | 0.7082% | 3,448 |
| Return on assets (ROA) | 0.7071% | 3,639 |
| Pretax return on assets | 1.0322% | 3,115 |
| Return on Equity (ROE) | 5.5311% | 4,116 |
| Retained earnings to average equity (ytd only) | 5.5311% | 2,282 |
| Net charge-offs to loans | 0.3207% | 3,787 |
| Credit loss provision to net charge-offs | 115.9170% | 2,804 |
| Earnings coverage of net charge-offs (x) | 5.4394% | 2,793 |
| Efficiency ratio | 64.8086% | 4,983 |
| Assets per employee ($millions) | 5.8055% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 5,399 |
| Loan loss allowance to noncurrent loans | 53.7065% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 2.7000% | 2,254 |
| Noncurrent loans to loans | 2.2289% | 2,925 |
| Net loans and leases to total assets | 75.7056% | 989 |
| Net loans and leases to deposits | 94.2537% | 795 |
| Net loans and leases to core deposits | 101.7844% | 1,043 |
| Total domestic deposits to total assets | 80.3211% | 5,657 |
| Equity capital to assets | 13.5726% | 1,233 |
| Core capital (leverage) ratio | 13.5845% | 937 |
| Tier 1 risk-based capital ratio | 19.8410% | 1,677 |
| Total risk-based capital ratio | 21.0912% | 1,645 |
| Memoranda: | ||
| Average total assets | $119,646,600 | 4,411 |
| Average earning assets | $106,258,000 | 4,498 |
| Average equity | $15,295,400 | 3,850 |
| Average total loans | $90,129,200 | 3,852 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0847% | 2,680 |
| Cost of funding earning assets | 1.2175% | 2,207 |
| Net interest margin | 3.8672% | 3,534 |
| Noninterest income to average assets | 0.2777% | 5,628 |
| Noninterest expense to average assets | 2.4823% | 5,527 |
| Loan and lease loss provision to assets | 0.2046% | 3,977 |
| Net operating income to assets | 0.6984% | 3,630 |
| Return on assets (ROA) | 0.6969% | 3,807 |
| Pretax return on assets | 1.0144% | 3,355 |
| Return on Equity (ROE) | 5.5336% | 4,264 |
| Retained earnings to average equity (ytd only) | 5.5336% | 2,839 |
| Net charge-offs to loans | 0.2050% | 4,160 |
| Credit loss provision to net charge-offs | 133.0935% | 2,392 |
| Earnings coverage of net charge-offs (x) | 7.9424% | 2,274 |
| Efficiency ratio | 67.0251% | 4,516 |
| Assets per employee ($millions) | 5.8012% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 5,474 |
| Loan loss allowance to noncurrent loans | 81.7826% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 1.9918% | 3,151 |
| Noncurrent loans to loans | 1.4655% | 4,099 |
| Net loans and leases to total assets | 74.3180% | 1,275 |
| Net loans and leases to deposits | 92.2154% | 997 |
| Net loans and leases to core deposits | 98.9613% | 1,340 |
| Total domestic deposits to total assets | 80.5918% | 5,571 |
| Equity capital to assets | 13.4206% | 1,403 |
| Core capital (leverage) ratio | 13.4117% | 1,074 |
| Tier 1 risk-based capital ratio | 20.0250% | 1,677 |
| Total risk-based capital ratio | 21.2747% | 1,649 |
| Memoranda: | ||
| Average total assets | $120,531,000 | 4,408 |
| Average earning assets | $106,775,500 | 4,509 |
| Average equity | $15,179,500 | 3,883 |
| Average total loans | $90,420,000 | 3,884 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1121% | 2,622 |
| Cost of funding earning assets | 1.2715% | 2,108 |
| Net interest margin | 3.8405% | 3,581 |
| Noninterest income to average assets | 0.1737% | 6,419 |
| Noninterest expense to average assets | 2.6009% | 5,176 |
| Loan and lease loss provision to assets | 0.0983% | 5,089 |
| Net operating income to assets | 0.6035% | 4,050 |
| Return on assets (ROA) | 0.5753% | 4,309 |
| Pretax return on assets | 0.8342% | 3,892 |
| Return on Equity (ROE) | 4.6648% | 4,610 |
| Retained earnings to average equity (ytd only) | 4.6648% | 3,214 |
| Net charge-offs to loans | 0.2689% | 3,540 |
| Credit loss provision to net charge-offs | 48.7805% | 4,613 |
| Earnings coverage of net charge-offs (x) | 4.8293% | 2,764 |
| Efficiency ratio | 72.7648% | 3,587 |
| Assets per employee ($millions) | 5.9850% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 6,209 |
| Loan loss allowance to noncurrent loans | 190.4472% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 1.2865% | 4,326 |
| Noncurrent loans to loans | 0.5421% | 5,833 |
| Net loans and leases to total assets | 75.0317% | 1,237 |
| Net loans and leases to deposits | 93.1409% | 932 |
| Net loans and leases to core deposits | 101.6122% | 1,200 |
| Total domestic deposits to total assets | 80.5572% | 5,672 |
| Equity capital to assets | 12.8195% | 1,615 |
| Core capital (leverage) ratio | 12.7722% | 1,259 |
| Tier 1 risk-based capital ratio | 19.0509% | 1,828 |
| Total risk-based capital ratio | 20.2192% | 1,821 |
| Memoranda: | ||
| Average total assets | $122,033,670 | 4,389 |
| Average earning assets | $108,057,670 | 4,506 |
| Average equity | $15,049,000 | 3,897 |
| Average total loans | $91,469,330 | 3,904 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1596% | 2,385 |
| Cost of funding earning assets | 1.3304% | 2,008 |
| Net interest margin | 3.8291% | 3,469 |
| Noninterest income to average assets | 0.2435% | 5,951 |
| Noninterest expense to average assets | 2.7922% | 4,475 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5682% | 4,188 |
| Return on assets (ROA) | 0.5682% | 4,262 |
| Pretax return on assets | 0.8247% | 3,811 |
| Return on Equity (ROE) | 4.6977% | 4,555 |
| Retained earnings to average equity (ytd only) | 4.6977% | 3,378 |
| Net charge-offs to loans | 0.1525% | 3,575 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 7.2571% | 1,971 |
| Efficiency ratio | 77.1993% | 2,953 |
| Assets per employee ($millions) | 6.5073% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 6,182 |
| Loan loss allowance to noncurrent loans | 157.6797% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 2.4272% | 2,803 |
| Noncurrent loans to loans | 0.6740% | 5,679 |
| Net loans and leases to total assets | 72.6575% | 1,578 |
| Net loans and leases to deposits | 87.4875% | 1,517 |
| Net loans and leases to core deposits | 95.6759% | 1,696 |
| Total domestic deposits to total assets | 83.0490% | 4,905 |
| Equity capital to assets | 12.1313% | 1,840 |
| Core capital (leverage) ratio | 12.1597% | 1,474 |
| Tier 1 risk-based capital ratio | 18.3810% | 1,994 |
| Total risk-based capital ratio | 19.5605% | 1,972 |
| Memoranda: | ||
| Average total assets | $123,200,500 | 4,388 |
| Average earning assets | $108,536,000 | 4,513 |
| Average equity | $14,901,000 | 3,920 |
| Average total loans | $91,829,000 | 3,934 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4138% | 2,608 |
| Cost of funding earning assets | 1.5758% | 2,210 |
| Net interest margin | 3.8380% | 3,785 |
| Noninterest income to average assets | 0.3479% | 5,313 |
| Noninterest expense to average assets | 2.3444% | 6,227 |
| Loan and lease loss provision to assets | 0.7678% | 2,132 |
| Net operating income to assets | 0.4459% | 4,331 |
| Return on assets (ROA) | 0.5820% | 3,909 |
| Pretax return on assets | 0.8382% | 3,507 |
| Return on Equity (ROE) | 4.8818% | 4,121 |
| Retained earnings to average equity (ytd only) | 4.8818% | 2,489 |
| Net charge-offs to loans | 0.8644% | 2,468 |
| Credit loss provision to net charge-offs | 114.1119% | 3,806 |
| Earnings coverage of net charge-offs (x) | 2.0937% | 4,148 |
| Efficiency ratio | 62.4646% | 5,639 |
| Assets per employee ($millions) | 6.4612% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0769% | 6,039 |
| Loan loss allowance to noncurrent loans | 191.2046% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 1.8964% | 3,487 |
| Noncurrent loans to loans | 0.5632% | 5,924 |
| Net loans and leases to total assets | 74.8277% | 1,511 |
| Net loans and leases to deposits | 91.3630% | 1,345 |
| Net loans and leases to core deposits | 100.5693% | 1,571 |
| Total domestic deposits to total assets | 81.9016% | 5,219 |
| Equity capital to assets | 12.0583% | 1,884 |
| Core capital (leverage) ratio | 12.1005% | 1,480 |
| Tier 1 risk-based capital ratio | 17.9506% | 2,011 |
| Total risk-based capital ratio | 19.1584% | 1,991 |
| Memoranda: | ||
| Average total assets | $122,164,200 | 4,442 |
| Average earning assets | $108,389,200 | 4,503 |
| Average equity | $14,564,200 | 4,018 |
| Average total loans | $95,098,400 | 3,921 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4805% | 2,519 |
| Cost of funding earning assets | 1.6332% | 2,193 |
| Net interest margin | 3.8473% | 3,763 |
| Noninterest income to average assets | 0.3519% | 5,355 |
| Noninterest expense to average assets | 2.3319% | 6,227 |
| Loan and lease loss provision to assets | 0.8906% | 1,706 |
| Net operating income to assets | 0.3806% | 4,834 |
| Return on assets (ROA) | 0.5649% | 4,194 |
| Pretax return on assets | 0.8086% | 3,872 |
| Return on Equity (ROE) | 4.7525% | 4,424 |
| Retained earnings to average equity (ytd only) | 4.7525% | 3,155 |
| Net charge-offs to loans | 1.1736% | 1,738 |
| Credit loss provision to net charge-offs | 96.7933% | 4,477 |
| Earnings coverage of net charge-offs (x) | 1.5606% | 4,556 |
| Efficiency ratio | 61.8910% | 5,638 |
| Assets per employee ($millions) | 6.3836% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9151% | 6,693 |
| Loan loss allowance to noncurrent loans | 129.6520% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 2.3069% | 3,071 |
| Noncurrent loans to loans | 0.7058% | 5,798 |
| Net loans and leases to total assets | 76.5082% | 1,313 |
| Net loans and leases to deposits | 94.6020% | 1,140 |
| Net loans and leases to core deposits | 104.3508% | 1,452 |
| Total domestic deposits to total assets | 80.8738% | 5,423 |
| Equity capital to assets | 12.1784% | 2,042 |
| Core capital (leverage) ratio | 12.1030% | 1,616 |
| Tier 1 risk-based capital ratio | 17.7881% | 2,080 |
| Total risk-based capital ratio | 18.8275% | 2,122 |
| Memoranda: | ||
| Average total assets | $122,014,750 | 4,504 |
| Average earning assets | $108,333,250 | 4,559 |
| Average equity | $14,504,500 | 4,095 |
| Average total loans | $95,658,000 | 3,978 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5036% | 2,497 |
| Cost of funding earning assets | 1.6968% | 2,133 |
| Net interest margin | 3.8067% | 3,870 |
| Noninterest income to average assets | 0.2797% | 5,910 |
| Noninterest expense to average assets | 2.2199% | 6,601 |
| Loan and lease loss provision to assets | 1.1451% | 1,256 |
| Net operating income to assets | 0.2059% | 5,538 |
| Return on assets (ROA) | 0.4859% | 4,548 |
| Pretax return on assets | 0.6854% | 4,288 |
| Return on Equity (ROE) | 4.1205% | 4,725 |
| Retained earnings to average equity (ytd only) | 4.1205% | 3,450 |
| Net charge-offs to loans | 1.4991% | 1,276 |
| Credit loss provision to net charge-offs | 96.9529% | 4,213 |
| Earnings coverage of net charge-offs (x) | 1.2161% | 4,592 |
| Efficiency ratio | 60.7159% | 5,915 |
| Assets per employee ($millions) | 5.8940% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8222% | 6,984 |
| Loan loss allowance to noncurrent loans | 81.6842% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 2.8730% | 2,506 |
| Noncurrent loans to loans | 1.0066% | 5,299 |
| Net loans and leases to total assets | 75.6211% | 1,564 |
| Net loans and leases to deposits | 92.8093% | 1,416 |
| Net loans and leases to core deposits | 102.0820% | 1,819 |
| Total domestic deposits to total assets | 81.4801% | 5,206 |
| Equity capital to assets | 11.7415% | 2,255 |
| Core capital (leverage) ratio | 11.6815% | 1,820 |
| Tier 1 risk-based capital ratio | 17.3904% | 2,136 |
| Total risk-based capital ratio | 18.3244% | 2,203 |
| Memoranda: | ||
| Average total assets | $122,256,670 | 4,521 |
| Average earning assets | $108,439,000 | 4,598 |
| Average equity | $14,415,670 | 4,111 |
| Average total loans | $96,326,330 | 4,007 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5594% | 2,327 |
| Cost of funding earning assets | 1.8420% | 1,688 |
| Net interest margin | 3.7174% | 4,157 |
| Noninterest income to average assets | 0.3457% | 5,375 |
| Noninterest expense to average assets | 2.1893% | 6,712 |
| Loan and lease loss provision to assets | 0.4938% | 2,524 |
| Net operating income to assets | 0.6468% | 3,679 |
| Return on assets (ROA) | 0.7770% | 3,183 |
| Pretax return on assets | 1.1589% | 2,516 |
| Return on Equity (ROE) | 6.5752% | 3,583 |
| Retained earnings to average equity (ytd only) | 6.5752% | 2,331 |
| Net charge-offs to loans | 0.2713% | 3,329 |
| Credit loss provision to net charge-offs | 227.2727% | 1,671 |
| Earnings coverage of net charge-offs (x) | 6.7121% | 2,182 |
| Efficiency ratio | 60.0181% | 6,170 |
| Assets per employee ($millions) | 5.7666% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9258% | 6,755 |
| Loan loss allowance to noncurrent loans | 125.6410% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 2.7581% | 2,634 |
| Noncurrent loans to loans | 0.7368% | 5,850 |
| Net loans and leases to total assets | 77.9445% | 1,163 |
| Net loans and leases to deposits | 96.1535% | 1,085 |
| Net loans and leases to core deposits | 104.5259% | 1,697 |
| Total domestic deposits to total assets | 81.0626% | 5,439 |
| Equity capital to assets | 11.9316% | 2,080 |
| Core capital (leverage) ratio | 11.8369% | 1,727 |
| Tier 1 risk-based capital ratio | 17.0877% | 2,237 |
| Total risk-based capital ratio | 18.1403% | 2,263 |
| Memoranda: | ||
| Average total assets | $121,497,500 | 4,593 |
| Average earning assets | $107,925,500 | 4,659 |
| Average equity | $14,357,000 | 4,155 |
| Average total loans | $97,301,500 | 4,040 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7138% | 3,036 |
| Cost of funding earning assets | 2.4491% | 1,159 |
| Net interest margin | 3.2646% | 5,872 |
| Noninterest income to average assets | 0.4287% | 4,981 |
| Noninterest expense to average assets | 2.2430% | 6,887 |
| Loan and lease loss provision to assets | 0.4916% | 3,918 |
| Net operating income to assets | 0.4482% | 3,933 |
| Return on assets (ROA) | 0.5369% | 3,674 |
| Pretax return on assets | 0.7580% | 3,384 |
| Return on Equity (ROE) | 4.6027% | 3,843 |
| Retained earnings to average equity (ytd only) | -4.6027% | 5,974 |
| Net charge-offs to loans | 0.2931% | 4,802 |
| Credit loss provision to net charge-offs | 210.9215% | 1,820 |
| Earnings coverage of net charge-offs (x) | 4.8259% | 2,799 |
| Efficiency ratio | 66.6037% | 5,271 |
| Assets per employee ($millions) | 5.8046% | 1,379 |
| Cash dividends to net income (ytd only)* | 200.0000% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8034% | 7,119 |
| Loan loss allowance to noncurrent loans | 31.6165% | 6,355 |
| Noncurrent assets plus other real estate owned to assets | 3.0149% | 2,319 |
| Noncurrent loans to loans | 2.5410% | 3,013 |
| Net loans and leases to total assets | 80.8337% | 860 |
| Net loans and leases to deposits | 99.7944% | 924 |
| Net loans and leases to core deposits | 118.6730% | 2,066 |
| Total domestic deposits to total assets | 81.0002% | 5,343 |
| Equity capital to assets | 11.7026% | 2,189 |
| Core capital (leverage) ratio | 11.5706% | 1,882 |
| Tier 1 risk-based capital ratio | 16.1963% | 2,436 |
| Total risk-based capital ratio | 17.1140% | 2,513 |
| Memoranda: | ||
| Average total assets | $125,722,800 | 4,434 |
| Average earning assets | $113,182,600 | 4,469 |
| Average equity | $14,665,400 | 4,120 |
| Average total loans | $99,976,400 | 3,952 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7334% | 3,173 |
| Cost of funding earning assets | 2.5990% | 1,035 |
| Net interest margin | 3.1344% | 6,216 |
| Noninterest income to average assets | 0.4242% | 5,103 |
| Noninterest expense to average assets | 2.2376% | 6,881 |
| Loan and lease loss provision to assets | 0.4757% | 3,531 |
| Net operating income to assets | 0.3883% | 4,446 |
| Return on assets (ROA) | 0.5073% | 4,037 |
| Pretax return on assets | 0.7041% | 3,840 |
| Return on Equity (ROE) | 4.3524% | 4,228 |
| Retained earnings to average equity (ytd only) | -7.8379% | 6,583 |
| Net charge-offs to loans | 0.3009% | 4,144 |
| Credit loss provision to net charge-offs | 200.0000% | 2,230 |
| Earnings coverage of net charge-offs (x) | 4.2654% | 3,193 |
| Efficiency ratio | 68.8026% | 4,825 |
| Assets per employee ($millions) | 5.8739% | 1,301 |
| Cash dividends to net income (ytd only)* | 280.0840% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7038% | 7,357 |
| Loan loss allowance to noncurrent loans | 27.2090% | 6,649 |
| Noncurrent assets plus other real estate owned to assets | 2.8042% | 2,476 |
| Noncurrent loans to loans | 2.5868% | 2,920 |
| Net loans and leases to total assets | 79.9458% | 1,181 |
| Net loans and leases to deposits | 100.3827% | 1,070 |
| Net loans and leases to core deposits | 120.1423% | 2,231 |
| Total domestic deposits to total assets | 79.6410% | 5,580 |
| Equity capital to assets | 11.4065% | 2,667 |
| Core capital (leverage) ratio | 11.2770% | 2,201 |
| Tier 1 risk-based capital ratio | 16.0930% | 2,593 |
| Total risk-based capital ratio | 16.9028% | 2,692 |
| Memoranda: | ||
| Average total assets | $126,679,500 | 4,432 |
| Average earning assets | $114,297,500 | 4,467 |
| Average equity | $14,765,500 | 4,140 |
| Average total loans | $100,137,750 | 3,981 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8532% | 2,788 |
| Cost of funding earning assets | 2.8015% | 788 |
| Net interest margin | 3.0516% | 6,395 |
| Noninterest income to average assets | 0.4085% | 5,210 |
| Noninterest expense to average assets | 2.2302% | 6,973 |
| Loan and lease loss provision to assets | 0.3553% | 3,793 |
| Net operating income to assets | 0.4099% | 4,471 |
| Return on assets (ROA) | 0.4977% | 4,222 |
| Pretax return on assets | 0.6965% | 4,007 |
| Return on Equity (ROE) | 4.2408% | 4,401 |
| Retained earnings to average equity (ytd only) | 4.2408% | 2,947 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6145% | 4,651 |
| Assets per employee ($millions) | 6.1036% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7052% | 7,413 |
| Loan loss allowance to noncurrent loans | 23.4584% | 6,939 |
| Noncurrent assets plus other real estate owned to assets | 3.1418% | 1,999 |
| Noncurrent loans to loans | 3.0062% | 2,401 |
| Net loans and leases to total assets | 76.8958% | 1,970 |
| Net loans and leases to deposits | 98.0365% | 1,510 |
| Net loans and leases to core deposits | 121.9193% | 2,213 |
| Total domestic deposits to total assets | 78.4359% | 5,968 |
| Equity capital to assets | 11.8478% | 2,294 |
| Core capital (leverage) ratio | 11.7727% | 1,938 |
| Tier 1 risk-based capital ratio | 17.3385% | 2,196 |
| Total risk-based capital ratio | 18.1435% | 2,287 |
| Memoranda: | ||
| Average total assets | $127,789,000 | 4,437 |
| Average earning assets | $115,151,330 | 4,486 |
| Average equity | $14,997,330 | 4,115 |
| Average total loans | $100,412,670 | 4,005 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9370% | 2,618 |
| Cost of funding earning assets | 2.8726% | 823 |
| Net interest margin | 3.0644% | 6,296 |
| Noninterest income to average assets | 0.2696% | 6,282 |
| Noninterest expense to average assets | 2.0847% | 7,156 |
| Loan and lease loss provision to assets | 0.2414% | 4,050 |
| Net operating income to assets | 0.4748% | 4,541 |
| Return on assets (ROA) | 0.7242% | 3,643 |
| Pretax return on assets | 1.0659% | 3,123 |
| Return on Equity (ROE) | 6.2001% | 3,955 |
| Retained earnings to average equity (ytd only) | 6.2001% | 2,545 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9119% | 4,790 |
| Assets per employee ($millions) | 6.1098% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5639% | 7,729 |
| Loan loss allowance to noncurrent loans | 29.9213% | 6,556 |
| Noncurrent assets plus other real estate owned to assets | 1.7833% | 3,246 |
| Noncurrent loans to loans | 1.8847% | 3,433 |
| Net loans and leases to total assets | 78.3352% | 1,737 |
| Net loans and leases to deposits | 100.6288% | 1,324 |
| Net loans and leases to core deposits | 126.4093% | 1,894 |
| Total domestic deposits to total assets | 77.8458% | 6,065 |
| Equity capital to assets | 11.6839% | 2,460 |
| Core capital (leverage) ratio | 11.6328% | 2,078 |
| Tier 1 risk-based capital ratio | 17.0302% | 2,329 |
| Total risk-based capital ratio | 17.6813% | 2,482 |
| Memoranda: | ||
| Average total assets | $127,595,500 | 4,453 |
| Average earning assets | $114,738,000 | 4,513 |
| Average equity | $14,903,000 | 4,159 |
| Average total loans | $100,988,000 | 4,010 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1974% | 4,529 |
| Cost of funding earning assets | 3.3411% | 831 |
| Net interest margin | 2.8563% | 7,244 |
| Noninterest income to average assets | 0.2867% | 6,417 |
| Noninterest expense to average assets | 1.8631% | 7,671 |
| Loan and lease loss provision to assets | 0.2704% | 4,230 |
| Net operating income to assets | 0.4204% | 5,074 |
| Return on assets (ROA) | 0.4329% | 4,843 |
| Pretax return on assets | 0.7707% | 4,178 |
| Return on Equity (ROE) | 3.7108% | 4,941 |
| Retained earnings to average equity (ytd only) | 3.7108% | 2,831 |
| Net charge-offs to loans | 0.0587% | 5,939 |
| Credit loss provision to net charge-offs | 574.1379% | 759 |
| Earnings coverage of net charge-offs (x) | 21.6897% | 1,518 |
| Efficiency ratio | 64.5833% | 5,427 |
| Assets per employee ($millions) | 6.3443% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4965% | 7,856 |
| Loan loss allowance to noncurrent loans | 50.4532% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 1.1191% | 4,036 |
| Noncurrent loans to loans | 0.9842% | 4,626 |
| Net loans and leases to total assets | 79.1238% | 1,853 |
| Net loans and leases to deposits | 102.9818% | 1,471 |
| Net loans and leases to core deposits | 130.3468% | 1,827 |
| Total domestic deposits to total assets | 76.8327% | 6,032 |
| Equity capital to assets | 11.6758% | 2,517 |
| Core capital (leverage) ratio | 11.5907% | 2,196 |
| Tier 1 risk-based capital ratio | 17.1527% | 2,263 |
| Total risk-based capital ratio | 17.7380% | 2,419 |
| Memoranda: | ||
| Average total assets | $123,128,800 | 4,441 |
| Average earning assets | $111,998,000 | 4,473 |
| Average equity | $14,363,400 | 4,262 |
| Average total loans | $98,839,800 | 3,978 |