Home > Gateway State Bank > Performance and Condition Ratios
Gateway State Bank, Performance and Condition Ratios
| 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 | 3.9543% | 4,156 |
| Cost of funding earning assets | 1.1134% | 470 |
| Net interest margin | 2.8409% | 4,984 |
| Noninterest income to average assets | 0.3293% | 3,902 |
| Noninterest expense to average assets | 2.0871% | 4,594 |
| Loan and lease loss provision to assets | 0.1500% | 1,415 |
| Net operating income to assets | 0.6761% | 4,216 |
| Return on assets (ROA) | 0.6761% | 4,223 |
| Pretax return on assets | 0.8092% | 4,147 |
| Return on Equity (ROE) | 6.6248% | 3,959 |
| Retained earnings to average equity (ytd only) | 6.6248% | 1,851 |
| Net charge-offs to loans | 0.2146% | 897 |
| Credit loss provision to net charge-offs | 108.1081% | 2,372 |
| Earnings coverage of net charge-offs (x) | 6.9144% | 3,037 |
| Efficiency ratio | 68.5128% | 2,469 |
| Assets per employee ($millions) | 5.6388% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7911% | 4,565 |
| Loan loss allowance to noncurrent loans | 264.2384% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.1913% | 3,861 |
| Noncurrent loans to loans | 0.2994% | 3,487 |
| Net loans and leases to total assets | 63.3835% | 3,419 |
| Net loans and leases to deposits | 79.1360% | 3,042 |
| Net loans and leases to core deposits | 86.8260% | 2,856 |
| Total domestic deposits to total assets | 80.0944% | 4,083 |
| Equity capital to assets | 10.7477% | 2,933 |
| Core capital (leverage) ratio | 9.9583% | 3,632 |
| Tier 1 risk-based capital ratio | 14.6254% | 3,005 |
| Total risk-based capital ratio | 15.3730% | 3,169 |
| Memoranda: | ||
| Average total assets | $160,027,200 | 3,282 |
| Average earning assets | $153,049,600 | 3,211 |
| Average equity | $16,332,600 | 3,484 |
| Average total loans | $103,470,800 | 3,240 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9097% | 4,189 |
| Cost of funding earning assets | 1.0653% | 456 |
| Net interest margin | 2.8444% | 5,043 |
| Noninterest income to average assets | 0.3313% | 3,938 |
| Noninterest expense to average assets | 2.2113% | 4,299 |
| Loan and lease loss provision to assets | 0.1495% | 1,318 |
| Net operating income to assets | 0.5771% | 4,564 |
| Return on assets (ROA) | 0.5771% | 4,570 |
| Pretax return on assets | 0.6909% | 4,556 |
| Return on Equity (ROE) | 5.7294% | 4,346 |
| Retained earnings to average equity (ytd only) | 5.7294% | 2,804 |
| Net charge-offs to loans | 0.0845% | 1,668 |
| Credit loss provision to net charge-offs | 272.7273% | 1,105 |
| Earnings coverage of net charge-offs (x) | 15.3330% | 2,233 |
| Efficiency ratio | 72.4626% | 1,812 |
| Assets per employee ($millions) | 5.9248% | 1,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8799% | 4,340 |
| Loan loss allowance to noncurrent loans | 171.2644% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.3263% | 3,378 |
| Noncurrent loans to loans | 0.5138% | 2,842 |
| Net loans and leases to total assets | 62.9528% | 3,551 |
| Net loans and leases to deposits | 81.9073% | 2,829 |
| Net loans and leases to core deposits | 90.1833% | 2,647 |
| Total domestic deposits to total assets | 76.8586% | 4,668 |
| Equity capital to assets | 10.1676% | 3,478 |
| Core capital (leverage) ratio | 9.6210% | 4,030 |
| Tier 1 risk-based capital ratio | 14.3412% | 3,193 |
| Total risk-based capital ratio | 15.1833% | 3,316 |
| Memoranda: | ||
| Average total assets | $160,562,750 | 3,294 |
| Average earning assets | $153,561,500 | 3,231 |
| Average equity | $16,173,500 | 3,525 |
| Average total loans | $104,120,750 | 3,255 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8752% | 4,139 |
| Cost of funding earning assets | 1.0114% | 454 |
| Net interest margin | 2.8638% | 5,062 |
| Noninterest income to average assets | 0.3260% | 4,013 |
| Noninterest expense to average assets | 2.2194% | 4,322 |
| Loan and lease loss provision to assets | 0.1493% | 1,270 |
| Net operating income to assets | 0.5810% | 4,558 |
| Return on assets (ROA) | 0.5810% | 4,553 |
| Pretax return on assets | 0.6979% | 4,518 |
| Return on Equity (ROE) | 5.7858% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.7858% | 2,677 |
| Net charge-offs to loans | 0.0857% | 1,481 |
| Credit loss provision to net charge-offs | 266.6667% | 1,095 |
| Earnings coverage of net charge-offs (x) | 15.1333% | 2,061 |
| Efficiency ratio | 72.3732% | 1,937 |
| Assets per employee ($millions) | 5.5160% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8231% | 4,629 |
| Loan loss allowance to noncurrent loans | 184.2672% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 3,652 |
| Noncurrent loans to loans | 0.4467% | 3,098 |
| Net loans and leases to total assets | 62.2519% | 3,569 |
| Net loans and leases to deposits | 76.5666% | 3,282 |
| Net loans and leases to core deposits | 83.6405% | 3,109 |
| Total domestic deposits to total assets | 81.3042% | 3,913 |
| Equity capital to assets | 9.8362% | 3,788 |
| Core capital (leverage) ratio | 9.3223% | 4,335 |
| Tier 1 risk-based capital ratio | 14.1663% | 3,279 |
| Total risk-based capital ratio | 14.9740% | 3,404 |
| Memoranda: | ||
| Average total assets | $160,760,670 | 3,315 |
| Average earning assets | $153,849,670 | 3,243 |
| Average equity | $16,143,000 | 3,541 |
| Average total loans | $104,961,330 | 3,251 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8421% | 4,103 |
| Cost of funding earning assets | 0.9559% | 459 |
| Net interest margin | 2.8862% | 5,055 |
| Noninterest income to average assets | 0.3384% | 3,893 |
| Noninterest expense to average assets | 2.2374% | 4,333 |
| Loan and lease loss provision to assets | 0.1515% | 1,195 |
| Net operating income to assets | 0.5909% | 4,447 |
| Return on assets (ROA) | 0.5909% | 4,453 |
| Pretax return on assets | 0.7096% | 4,413 |
| Return on Equity (ROE) | 5.8223% | 4,218 |
| Retained earnings to average equity (ytd only) | 5.8223% | 2,796 |
| Net charge-offs to loans | 0.0303% | 1,889 |
| Credit loss provision to net charge-offs | 750.0000% | 436 |
| Earnings coverage of net charge-offs (x) | 42.6250% | 1,035 |
| Efficiency ratio | 72.2086% | 2,163 |
| Assets per employee ($millions) | 5.3178% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7947% | 4,804 |
| Loan loss allowance to noncurrent loans | 156.6855% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 3,449 |
| Noncurrent loans to loans | 0.5072% | 2,996 |
| Net loans and leases to total assets | 65.1038% | 3,162 |
| Net loans and leases to deposits | 80.7938% | 2,720 |
| Net loans and leases to core deposits | 90.3383% | 2,425 |
| Total domestic deposits to total assets | 80.5802% | 4,296 |
| Equity capital to assets | 10.0487% | 3,547 |
| Core capital (leverage) ratio | 9.4546% | 4,117 |
| Tier 1 risk-based capital ratio | 13.8417% | 3,476 |
| Total risk-based capital ratio | 14.6218% | 3,650 |
| Memoranda: | ||
| Average total assets | $158,400,500 | 3,380 |
| Average earning assets | $151,479,000 | 3,309 |
| Average equity | $16,076,000 | 3,581 |
| Average total loans | $105,507,000 | 3,270 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7747% | 4,133 |
| Cost of funding earning assets | 0.8972% | 376 |
| Net interest margin | 2.8776% | 5,073 |
| Noninterest income to average assets | 0.3599% | 3,898 |
| Noninterest expense to average assets | 2.1784% | 4,572 |
| Loan and lease loss provision to assets | 0.1398% | 1,633 |
| Net operating income to assets | 0.6714% | 3,724 |
| Return on assets (ROA) | 0.6692% | 3,778 |
| Pretax return on assets | 0.7881% | 4,278 |
| Return on Equity (ROE) | 6.8071% | 3,372 |
| Retained earnings to average equity (ytd only) | 6.8071% | 1,154 |
| Net charge-offs to loans | 0.3135% | 809 |
| Credit loss provision to net charge-offs | 66.9697% | 3,131 |
| Earnings coverage of net charge-offs (x) | 4.4576% | 3,463 |
| Efficiency ratio | 70.0712% | 2,534 |
| Assets per employee ($millions) | 5.2423% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7336% | 4,993 |
| Loan loss allowance to noncurrent loans | 137.0826% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.3618% | 3,414 |
| Noncurrent loans to loans | 0.5352% | 2,895 |
| Net loans and leases to total assets | 67.1084% | 2,948 |
| Net loans and leases to deposits | 83.8278% | 2,512 |
| Net loans and leases to core deposits | 91.0762% | 2,455 |
| Total domestic deposits to total assets | 80.0551% | 4,323 |
| Equity capital to assets | 10.2507% | 3,434 |
| Core capital (leverage) ratio | 9.1652% | 4,441 |
| Tier 1 risk-based capital ratio | 13.9303% | 3,401 |
| Total risk-based capital ratio | 14.6793% | 3,579 |
| Memoranda: | ||
| Average total assets | $158,099,200 | 3,376 |
| Average earning assets | $151,030,600 | 3,311 |
| Average equity | $15,542,600 | 3,652 |
| Average total loans | $105,273,800 | 3,258 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7418% | 4,205 |
| Cost of funding earning assets | 0.8794% | 393 |
| Net interest margin | 2.8624% | 5,141 |
| Noninterest income to average assets | 0.3470% | 4,055 |
| Noninterest expense to average assets | 2.1367% | 4,659 |
| Loan and lease loss provision to assets | 0.1356% | 1,592 |
| Net operating income to assets | 0.6072% | 4,361 |
| Return on assets (ROA) | 0.6072% | 4,404 |
| Pretax return on assets | 0.8077% | 4,329 |
| Return on Equity (ROE) | 6.2431% | 4,013 |
| Retained earnings to average equity (ytd only) | 6.2431% | 2,091 |
| Net charge-offs to loans | 0.4114% | 509 |
| Credit loss provision to net charge-offs | 49.6914% | 2,916 |
| Earnings coverage of net charge-offs (x) | 3.4568% | 3,339 |
| Efficiency ratio | 69.3738% | 2,637 |
| Assets per employee ($millions) | 5.3186% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6728% | 5,200 |
| Loan loss allowance to noncurrent loans | 152.2013% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.3303% | 3,730 |
| Noncurrent loans to loans | 0.4421% | 3,379 |
| Net loans and leases to total assets | 67.1712% | 2,959 |
| Net loans and leases to deposits | 87.9372% | 2,076 |
| Net loans and leases to core deposits | 95.5811% | 2,122 |
| Total domestic deposits to total assets | 76.3854% | 4,975 |
| Equity capital to assets | 9.9581% | 3,952 |
| Core capital (leverage) ratio | 9.0159% | 4,721 |
| Tier 1 risk-based capital ratio | 13.5386% | 3,679 |
| Total risk-based capital ratio | 14.2322% | 3,930 |
| Memoranda: | ||
| Average total assets | $158,307,000 | 3,397 |
| Average earning assets | $151,153,250 | 3,339 |
| Average equity | $15,398,000 | 3,703 |
| Average total loans | $105,012,250 | 3,291 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7003% | 4,230 |
| Cost of funding earning assets | 0.8644% | 379 |
| Net interest margin | 2.8359% | 5,192 |
| Noninterest income to average assets | 0.3458% | 4,077 |
| Noninterest expense to average assets | 2.1319% | 4,713 |
| Loan and lease loss provision to assets | 0.1279% | 1,625 |
| Net operating income to assets | 0.6030% | 4,294 |
| Return on assets (ROA) | 0.6030% | 4,338 |
| Pretax return on assets | 0.7955% | 4,289 |
| Return on Equity (ROE) | 6.2490% | 3,936 |
| Retained earnings to average equity (ytd only) | 6.2490% | 1,994 |
| Net charge-offs to loans | 0.0384% | 2,432 |
| Credit loss provision to net charge-offs | 505.0000% | 653 |
| Earnings coverage of net charge-offs (x) | 36.4500% | 1,332 |
| Efficiency ratio | 69.7761% | 2,708 |
| Assets per employee ($millions) | 4.9836% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8949% | 4,658 |
| Loan loss allowance to noncurrent loans | 125.0000% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 3,109 |
| Noncurrent loans to loans | 0.7160% | 2,600 |
| Net loans and leases to total assets | 65.3154% | 3,208 |
| Net loans and leases to deposits | 80.3478% | 2,871 |
| Net loans and leases to core deposits | 86.2649% | 2,851 |
| Total domestic deposits to total assets | 81.2908% | 4,102 |
| Equity capital to assets | 9.5227% | 4,387 |
| Core capital (leverage) ratio | 8.8092% | 4,939 |
| Tier 1 risk-based capital ratio | 13.0810% | 3,953 |
| Total risk-based capital ratio | 13.9921% | 4,062 |
| Memoranda: | ||
| Average total assets | $157,890,000 | 3,417 |
| Average earning assets | $150,852,330 | 3,357 |
| Average equity | $15,234,330 | 3,731 |
| Average total loans | $104,048,670 | 3,318 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7131% | 4,074 |
| Cost of funding earning assets | 0.8375% | 393 |
| Net interest margin | 2.8756% | 5,127 |
| Noninterest income to average assets | 0.3648% | 3,924 |
| Noninterest expense to average assets | 2.1836% | 4,690 |
| Loan and lease loss provision to assets | 0.1242% | 1,547 |
| Net operating income to assets | 0.6132% | 4,098 |
| Return on assets (ROA) | 0.6132% | 4,154 |
| Pretax return on assets | 0.8020% | 4,106 |
| Return on Equity (ROE) | 6.3112% | 3,762 |
| Retained earnings to average equity (ytd only) | 6.3112% | 2,180 |
| Net charge-offs to loans | -0.0118% | 4,494 |
| Credit loss provision to net charge-offs | -1,600.0000% | 4,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2163% | 2,850 |
| Assets per employee ($millions) | 5.2028% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9040% | 4,744 |
| Loan loss allowance to noncurrent loans | 179.0476% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 3,760 |
| Noncurrent loans to loans | 0.5049% | 3,294 |
| Net loans and leases to total assets | 66.0157% | 2,968 |
| Net loans and leases to deposits | 81.8551% | 2,529 |
| Net loans and leases to core deposits | 87.9226% | 2,556 |
| Total domestic deposits to total assets | 80.6495% | 4,491 |
| Equity capital to assets | 9.7454% | 4,023 |
| Core capital (leverage) ratio | 8.9480% | 4,799 |
| Tier 1 risk-based capital ratio | 13.2030% | 3,949 |
| Total risk-based capital ratio | 14.1097% | 4,064 |
| Memoranda: | ||
| Average total assets | $154,605,500 | 3,499 |
| Average earning assets | $147,587,500 | 3,431 |
| Average equity | $15,021,000 | 3,780 |
| Average total loans | $101,879,500 | 3,387 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6428% | 4,396 |
| Cost of funding earning assets | 0.8066% | 485 |
| Net interest margin | 2.8362% | 5,230 |
| Noninterest income to average assets | 0.4063% | 3,827 |
| Noninterest expense to average assets | 2.1270% | 4,950 |
| Loan and lease loss provision to assets | 0.1365% | 1,831 |
| Net operating income to assets | 0.6429% | 4,031 |
| Return on assets (ROA) | 0.6429% | 4,139 |
| Pretax return on assets | 0.8490% | 4,014 |
| Return on Equity (ROE) | 6.6976% | 3,641 |
| Retained earnings to average equity (ytd only) | 6.6976% | 1,356 |
| Net charge-offs to loans | 0.0574% | 2,901 |
| Credit loss provision to net charge-offs | 375.0000% | 833 |
| Earnings coverage of net charge-offs (x) | 27.0714% | 1,528 |
| Efficiency ratio | 68.3375% | 3,178 |
| Assets per employee ($millions) | 5.1042% | 2,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8910% | 4,811 |
| Loan loss allowance to noncurrent loans | 176.3889% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 3,866 |
| Noncurrent loans to loans | 0.5051% | 3,332 |
| Net loans and leases to total assets | 64.5804% | 3,276 |
| Net loans and leases to deposits | 80.7635% | 2,807 |
| Net loans and leases to core deposits | 86.1989% | 2,831 |
| Total domestic deposits to total assets | 79.9624% | 4,585 |
| Equity capital to assets | 9.6854% | 4,089 |
| Core capital (leverage) ratio | 8.9429% | 4,807 |
| Tier 1 risk-based capital ratio | 13.8022% | 3,578 |
| Total risk-based capital ratio | 14.7145% | 3,688 |
| Memoranda: | ||
| Average total assets | $153,832,200 | 3,460 |
| Average earning assets | $146,783,200 | 3,406 |
| Average equity | $14,766,400 | 3,839 |
| Average total loans | $97,599,400 | 3,430 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6274% | 4,475 |
| Cost of funding earning assets | 0.8032% | 495 |
| Net interest margin | 2.8243% | 5,315 |
| Noninterest income to average assets | 0.3827% | 4,045 |
| Noninterest expense to average assets | 2.1314% | 4,935 |
| Loan and lease loss provision to assets | 0.1446% | 1,619 |
| Net operating income to assets | 0.6026% | 4,280 |
| Return on assets (ROA) | 0.6026% | 4,397 |
| Pretax return on assets | 0.8008% | 4,305 |
| Return on Equity (ROE) | 6.2913% | 3,932 |
| Retained earnings to average equity (ytd only) | 6.2913% | 2,010 |
| Net charge-offs to loans | 0.0508% | 2,644 |
| Credit loss provision to net charge-offs | 451.3514% | 771 |
| Earnings coverage of net charge-offs (x) | 29.5147% | 1,506 |
| Efficiency ratio | 69.2741% | 3,006 |
| Assets per employee ($millions) | 5.0731% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8896% | 4,907 |
| Loan loss allowance to noncurrent loans | 38.2913% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 1.4843% | 1,214 |
| Noncurrent loans to loans | 2.3234% | 793 |
| Net loans and leases to total assets | 63.3172% | 3,486 |
| Net loans and leases to deposits | 84.3849% | 2,445 |
| Net loans and leases to core deposits | 91.1287% | 2,472 |
| Total domestic deposits to total assets | 75.0338% | 5,332 |
| Equity capital to assets | 9.9189% | 4,220 |
| Core capital (leverage) ratio | 8.7361% | 5,118 |
| Tier 1 risk-based capital ratio | 13.6354% | 3,780 |
| Total risk-based capital ratio | 14.5318% | 3,900 |
| Memoranda: | ||
| Average total assets | $154,008,500 | 3,478 |
| Average earning assets | $146,914,000 | 3,421 |
| Average equity | $14,750,250 | 3,871 |
| Average total loans | $97,054,500 | 3,452 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5905% | 4,619 |
| Cost of funding earning assets | 0.7940% | 510 |
| Net interest margin | 2.7966% | 5,428 |
| Noninterest income to average assets | 0.3402% | 4,344 |
| Noninterest expense to average assets | 2.1020% | 5,054 |
| Loan and lease loss provision to assets | 0.1462% | 1,567 |
| Net operating income to assets | 0.5743% | 4,380 |
| Return on assets (ROA) | 0.5743% | 4,504 |
| Pretax return on assets | 0.7619% | 4,413 |
| Return on Equity (ROE) | 6.0676% | 4,017 |
| Retained earnings to average equity (ytd only) | 6.0676% | 2,082 |
| Net charge-offs to loans | 0.0433% | 2,600 |
| Credit loss provision to net charge-offs | 538.0952% | 620 |
| Earnings coverage of net charge-offs (x) | 33.4286% | 1,308 |
| Efficiency ratio | 69.8324% | 3,008 |
| Assets per employee ($millions) | 5.0116% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8601% | 5,101 |
| Loan loss allowance to noncurrent loans | 76.4325% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 0.6964% | 2,892 |
| Noncurrent loans to loans | 1.1254% | 2,046 |
| Net loans and leases to total assets | 61.3539% | 3,700 |
| Net loans and leases to deposits | 76.5020% | 3,326 |
| Net loans and leases to core deposits | 82.1561% | 3,254 |
| Total domestic deposits to total assets | 80.1990% | 4,498 |
| Equity capital to assets | 9.6433% | 4,621 |
| Core capital (leverage) ratio | 8.4533% | 5,400 |
| Tier 1 risk-based capital ratio | 13.4254% | 3,952 |
| Total risk-based capital ratio | 14.2857% | 4,097 |
| Memoranda: | ||
| Average total assets | $154,613,330 | 3,490 |
| Average earning assets | $147,610,000 | 3,441 |
| Average equity | $14,635,000 | 3,906 |
| Average total loans | $96,996,000 | 3,463 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5682% | 4,715 |
| Cost of funding earning assets | 0.7800% | 545 |
| Net interest margin | 2.7883% | 5,486 |
| Noninterest income to average assets | 0.3968% | 3,853 |
| Noninterest expense to average assets | 2.0851% | 5,141 |
| Loan and lease loss provision to assets | 0.1530% | 1,380 |
| Net operating income to assets | 0.6068% | 4,147 |
| Return on assets (ROA) | 0.6068% | 4,267 |
| Pretax return on assets | 0.8195% | 4,136 |
| Return on Equity (ROE) | 6.4724% | 3,743 |
| Retained earnings to average equity (ytd only) | 6.4724% | 2,152 |
| Net charge-offs to loans | 0.0123% | 2,715 |
| Credit loss provision to net charge-offs | 1,966.6667% | 215 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 458 |
| Efficiency ratio | 68.1934% | 3,433 |
| Assets per employee ($millions) | 5.2443% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8231% | 5,304 |
| Loan loss allowance to noncurrent loans | 152.7027% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4313% | 3,860 |
| Noncurrent loans to loans | 0.5390% | 3,571 |
| Net loans and leases to total assets | 62.6663% | 3,433 |
| Net loans and leases to deposits | 78.4864% | 2,955 |
| Net loans and leases to core deposits | 84.2231% | 2,916 |
| Total domestic deposits to total assets | 79.8435% | 4,778 |
| Equity capital to assets | 9.6038% | 4,561 |
| Core capital (leverage) ratio | 8.5291% | 5,368 |
| Tier 1 risk-based capital ratio | 13.3497% | 4,066 |
| Total risk-based capital ratio | 14.1815% | 4,221 |
| Memoranda: | ||
| Average total assets | $154,239,500 | 3,512 |
| Average earning assets | $147,188,500 | 3,457 |
| Average equity | $14,461,500 | 3,935 |
| Average total loans | $97,420,500 | 3,462 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7931% | 4,068 |
| Cost of funding earning assets | 0.7767% | 555 |
| Net interest margin | 3.0164% | 5,099 |
| Noninterest income to average assets | 0.3644% | 4,297 |
| Noninterest expense to average assets | 2.2879% | 4,824 |
| Loan and lease loss provision to assets | 0.1554% | 1,507 |
| Net operating income to assets | 0.5837% | 4,362 |
| Return on assets (ROA) | 0.5837% | 4,455 |
| Pretax return on assets | 0.7913% | 4,220 |
| Return on Equity (ROE) | 6.1092% | 3,990 |
| Retained earnings to average equity (ytd only) | 6.1092% | 1,740 |
| Net charge-offs to loans | 0.2994% | 1,006 |
| Credit loss provision to net charge-offs | 78.2007% | 2,983 |
| Earnings coverage of net charge-offs (x) | 4.7647% | 3,493 |
| Efficiency ratio | 70.7333% | 3,104 |
| Assets per employee ($millions) | 5.2131% | 2,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7443% | 5,547 |
| Loan loss allowance to noncurrent loans | 213.0435% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 4,360 |
| Noncurrent loans to loans | 0.3494% | 4,217 |
| Net loans and leases to total assets | 62.6680% | 3,468 |
| Net loans and leases to deposits | 78.0762% | 3,049 |
| Net loans and leases to core deposits | 82.0667% | 3,139 |
| Total domestic deposits to total assets | 80.2652% | 4,678 |
| Equity capital to assets | 9.1544% | 4,964 |
| Core capital (leverage) ratio | 8.4454% | 5,477 |
| Tier 1 risk-based capital ratio | 12.7392% | 4,486 |
| Total risk-based capital ratio | 13.4906% | 4,696 |
| Memoranda: | ||
| Average total assets | $145,461,000 | 3,637 |
| Average earning assets | $138,411,000 | 3,556 |
| Average equity | $13,897,000 | 3,996 |
| Average total loans | $96,534,200 | 3,448 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8473% | 3,950 |
| Cost of funding earning assets | 0.7795% | 562 |
| Net interest margin | 3.0678% | 5,038 |
| Noninterest income to average assets | 0.3606% | 4,353 |
| Noninterest expense to average assets | 2.3728% | 4,587 |
| Loan and lease loss provision to assets | 0.1196% | 1,907 |
| Net operating income to assets | 0.5829% | 4,463 |
| Return on assets (ROA) | 0.5829% | 4,559 |
| Pretax return on assets | 0.7838% | 4,386 |
| Return on Equity (ROE) | 6.0323% | 4,134 |
| Retained earnings to average equity (ytd only) | 6.0323% | 2,225 |
| Net charge-offs to loans | 0.4084% | 629 |
| Credit loss provision to net charge-offs | 43.5374% | 3,118 |
| Earnings coverage of net charge-offs (x) | 3.2891% | 3,525 |
| Efficiency ratio | 72.4266% | 2,802 |
| Assets per employee ($millions) | 4.9537% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6360% | 5,841 |
| Loan loss allowance to noncurrent loans | 172.6776% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.3508% | 4,370 |
| Noncurrent loans to loans | 0.3683% | 4,294 |
| Net loans and leases to total assets | 68.7371% | 2,577 |
| Net loans and leases to deposits | 88.9138% | 1,780 |
| Net loans and leases to core deposits | 95.1282% | 1,967 |
| Total domestic deposits to total assets | 77.3076% | 5,294 |
| Equity capital to assets | 9.8263% | 4,365 |
| Core capital (leverage) ratio | 8.7009% | 5,352 |
| Tier 1 risk-based capital ratio | 11.6654% | 5,288 |
| Total risk-based capital ratio | 12.2667% | 5,552 |
| Memoranda: | ||
| Average total assets | $142,727,750 | 3,705 |
| Average earning assets | $135,640,500 | 3,635 |
| Average equity | $13,792,000 | 4,057 |
| Average total loans | $95,981,750 | 3,491 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8049% | 4,049 |
| Cost of funding earning assets | 0.7725% | 574 |
| Net interest margin | 3.0324% | 5,144 |
| Noninterest income to average assets | 0.3398% | 4,525 |
| Noninterest expense to average assets | 2.3761% | 4,632 |
| Loan and lease loss provision to assets | 0.1137% | 1,937 |
| Net operating income to assets | 0.5505% | 4,561 |
| Return on assets (ROA) | 0.5505% | 4,666 |
| Pretax return on assets | 0.7331% | 4,550 |
| Return on Equity (ROE) | 5.7293% | 4,267 |
| Retained earnings to average equity (ytd only) | 5.7293% | 2,396 |
| Net charge-offs to loans | 0.6199% | 375 |
| Credit loss provision to net charge-offs | 27.5510% | 2,946 |
| Earnings coverage of net charge-offs (x) | 2.0510% | 3,412 |
| Efficiency ratio | 73.7255% | 2,717 |
| Assets per employee ($millions) | 4.5075% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6054% | 5,969 |
| Loan loss allowance to noncurrent loans | 164.3258% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.3535% | 4,476 |
| Noncurrent loans to loans | 0.3684% | 4,386 |
| Net loans and leases to total assets | 68.7378% | 2,526 |
| Net loans and leases to deposits | 95.1573% | 1,035 |
| Net loans and leases to core deposits | 102.5332% | 1,292 |
| Total domestic deposits to total assets | 72.2359% | 5,925 |
| Equity capital to assets | 9.8883% | 4,171 |
| Core capital (leverage) ratio | 8.6598% | 5,359 |
| Tier 1 risk-based capital ratio | 11.7346% | 5,316 |
| Total risk-based capital ratio | 12.3057% | 5,605 |
| Memoranda: | ||
| Average total assets | $142,418,330 | 3,747 |
| Average earning assets | $135,403,670 | 3,675 |
| Average equity | $13,684,000 | 4,098 |
| Average total loans | $94,850,000 | 3,538 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7707% | 4,127 |
| Cost of funding earning assets | 0.7606% | 617 |
| Net interest margin | 3.0101% | 5,190 |
| Noninterest income to average assets | 0.2699% | 5,020 |
| Noninterest expense to average assets | 2.3650% | 4,703 |
| Loan and lease loss provision to assets | 0.0946% | 2,102 |
| Net operating income to assets | 0.5092% | 4,635 |
| Return on assets (ROA) | 0.5092% | 4,755 |
| Pretax return on assets | 0.6733% | 4,680 |
| Return on Equity (ROE) | 5.3754% | 4,343 |
| Retained earnings to average equity (ytd only) | 5.3754% | 2,845 |
| Net charge-offs to loans | 0.2341% | 1,015 |
| Credit loss provision to net charge-offs | 61.8182% | 1,980 |
| Earnings coverage of net charge-offs (x) | 5.0182% | 2,427 |
| Efficiency ratio | 75.4885% | 2,589 |
| Assets per employee ($millions) | 4.4817% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8506% | 5,571 |
| Loan loss allowance to noncurrent loans | 78.8032% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 0.7837% | 3,153 |
| Noncurrent loans to loans | 1.0794% | 2,603 |
| Net loans and leases to total assets | 63.1556% | 3,217 |
| Net loans and leases to deposits | 80.9911% | 2,452 |
| Net loans and leases to core deposits | 88.1061% | 2,321 |
| Total domestic deposits to total assets | 77.9784% | 5,455 |
| Equity capital to assets | 9.5869% | 4,652 |
| Core capital (leverage) ratio | 8.3740% | 5,663 |
| Tier 1 risk-based capital ratio | 13.7333% | 4,197 |
| Total risk-based capital ratio | 14.6380% | 4,294 |
| Memoranda: | ||
| Average total assets | $143,762,000 | 3,746 |
| Average earning assets | $136,738,500 | 3,672 |
| Average equity | $13,617,500 | 4,136 |
| Average total loans | $93,958,500 | 3,561 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8496% | 4,320 |
| Cost of funding earning assets | 0.8003% | 653 |
| Net interest margin | 3.0494% | 5,315 |
| Noninterest income to average assets | 0.4351% | 3,931 |
| Noninterest expense to average assets | 2.4278% | 4,768 |
| Loan and lease loss provision to assets | 0.0864% | 2,744 |
| Net operating income to assets | 0.6022% | 4,349 |
| Return on assets (ROA) | 0.6022% | 4,450 |
| Pretax return on assets | 0.8107% | 4,217 |
| Return on Equity (ROE) | 6.3485% | 3,976 |
| Retained earnings to average equity (ytd only) | 6.3485% | 1,732 |
| Net charge-offs to loans | 0.1801% | 2,228 |
| Credit loss provision to net charge-offs | 70.8333% | 3,054 |
| Earnings coverage of net charge-offs (x) | 7.3512% | 3,048 |
| Efficiency ratio | 73.0173% | 3,027 |
| Assets per employee ($millions) | 4.5034% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8264% | 5,703 |
| Loan loss allowance to noncurrent loans | 74.5794% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 0.8382% | 3,117 |
| Noncurrent loans to loans | 1.1081% | 2,614 |
| Net loans and leases to total assets | 66.4548% | 2,814 |
| Net loans and leases to deposits | 85.2135% | 2,073 |
| Net loans and leases to core deposits | 92.9823% | 1,993 |
| Total domestic deposits to total assets | 77.9863% | 5,441 |
| Equity capital to assets | 9.3581% | 4,900 |
| Core capital (leverage) ratio | 8.3927% | 5,670 |
| Tier 1 risk-based capital ratio | 12.2076% | 5,221 |
| Total risk-based capital ratio | 13.0465% | 5,403 |
| Memoranda: | ||
| Average total assets | $137,655,000 | 3,846 |
| Average earning assets | $130,454,000 | 3,760 |
| Average equity | $13,058,200 | 4,181 |
| Average total loans | $93,276,600 | 3,559 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8640% | 4,310 |
| Cost of funding earning assets | 0.8138% | 640 |
| Net interest margin | 3.0502% | 5,381 |
| Noninterest income to average assets | 0.4381% | 3,965 |
| Noninterest expense to average assets | 2.4433% | 4,687 |
| Loan and lease loss provision to assets | 0.0794% | 2,758 |
| Net operating income to assets | 0.5988% | 4,452 |
| Return on assets (ROA) | 0.5988% | 4,536 |
| Pretax return on assets | 0.8027% | 4,356 |
| Return on Equity (ROE) | 6.2901% | 4,084 |
| Retained earnings to average equity (ytd only) | 6.2901% | 2,222 |
| Net charge-offs to loans | 0.2553% | 1,520 |
| Credit loss provision to net charge-offs | 45.7627% | 3,182 |
| Earnings coverage of net charge-offs (x) | 5.0848% | 3,325 |
| Efficiency ratio | 73.4748% | 2,905 |
| Assets per employee ($millions) | 4.2520% | 3,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8189% | 5,829 |
| Loan loss allowance to noncurrent loans | 75.0250% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 0.8371% | 3,327 |
| Noncurrent loans to loans | 1.0915% | 2,888 |
| Net loans and leases to total assets | 66.8511% | 2,711 |
| Net loans and leases to deposits | 87.8876% | 1,690 |
| Net loans and leases to core deposits | 92.9340% | 1,961 |
| Total domestic deposits to total assets | 76.0644% | 5,804 |
| Equity capital to assets | 9.7784% | 4,444 |
| Core capital (leverage) ratio | 8.5361% | 5,616 |
| Tier 1 risk-based capital ratio | 12.6910% | 5,046 |
| Total risk-based capital ratio | 13.5275% | 5,238 |
| Memoranda: | ||
| Average total assets | $136,041,250 | 3,898 |
| Average earning assets | $128,777,000 | 3,814 |
| Average equity | $12,951,250 | 4,227 |
| Average total loans | $92,454,250 | 3,613 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8678% | 4,272 |
| Cost of funding earning assets | 0.8179% | 650 |
| Net interest margin | 3.0498% | 5,396 |
| Noninterest income to average assets | 0.4264% | 4,047 |
| Noninterest expense to average assets | 2.4391% | 4,773 |
| Loan and lease loss provision to assets | 0.0794% | 2,701 |
| Net operating income to assets | 0.5969% | 4,368 |
| Return on assets (ROA) | 0.5969% | 4,463 |
| Pretax return on assets | 0.7969% | 4,279 |
| Return on Equity (ROE) | 6.3273% | 3,976 |
| Retained earnings to average equity (ytd only) | 6.3273% | 2,137 |
| Net charge-offs to loans | 0.4056% | 1,004 |
| Credit loss provision to net charge-offs | 28.7234% | 3,074 |
| Earnings coverage of net charge-offs (x) | 3.1702% | 3,375 |
| Efficiency ratio | 73.5698% | 3,049 |
| Assets per employee ($millions) | 4.0993% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7774% | 6,029 |
| Loan loss allowance to noncurrent loans | 142.8858% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 4,590 |
| Noncurrent loans to loans | 0.5441% | 4,376 |
| Net loans and leases to total assets | 67.2704% | 2,537 |
| Net loans and leases to deposits | 84.3158% | 2,003 |
| Net loans and leases to core deposits | 89.5125% | 2,172 |
| Total domestic deposits to total assets | 79.7839% | 5,292 |
| Equity capital to assets | 9.6897% | 4,507 |
| Core capital (leverage) ratio | 8.3330% | 5,815 |
| Tier 1 risk-based capital ratio | 12.4584% | 5,253 |
| Total risk-based capital ratio | 13.2523% | 5,470 |
| Memoranda: | ||
| Average total assets | $136,033,330 | 3,921 |
| Average earning assets | $128,859,330 | 3,838 |
| Average equity | $12,833,330 | 4,256 |
| Average total loans | $92,701,670 | 3,620 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8380% | 4,333 |
| Cost of funding earning assets | 0.8140% | 696 |
| Net interest margin | 3.0240% | 5,466 |
| Noninterest income to average assets | 0.3871% | 4,296 |
| Noninterest expense to average assets | 2.4250% | 4,858 |
| Loan and lease loss provision to assets | 0.0792% | 2,564 |
| Net operating income to assets | 0.5630% | 4,398 |
| Return on assets (ROA) | 0.5630% | 4,474 |
| Pretax return on assets | 0.7477% | 4,321 |
| Return on Equity (ROE) | 6.0491% | 4,000 |
| Retained earnings to average equity (ytd only) | 6.0491% | 2,514 |
| Net charge-offs to loans | 0.5537% | 667 |
| Credit loss provision to net charge-offs | 20.9302% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.1860% | 2,932 |
| Efficiency ratio | 74.5717% | 3,036 |
| Assets per employee ($millions) | 4.2460% | 3,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8101% | 6,076 |
| Loan loss allowance to noncurrent loans | 133.0357% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.5137% | 4,615 |
| Noncurrent loans to loans | 0.6090% | 4,335 |
| Net loans and leases to total assets | 67.1335% | 2,370 |
| Net loans and leases to deposits | 84.1537% | 1,805 |
| Net loans and leases to core deposits | 89.8927% | 1,917 |
| Total domestic deposits to total assets | 79.7749% | 5,531 |
| Equity capital to assets | 9.4354% | 4,585 |
| Core capital (leverage) ratio | 8.2667% | 5,880 |
| Tier 1 risk-based capital ratio | 12.0801% | 5,588 |
| Total risk-based capital ratio | 12.9001% | 5,782 |
| Memoranda: | ||
| Average total assets | $136,411,000 | 3,944 |
| Average earning assets | $129,233,000 | 3,853 |
| Average equity | $12,696,000 | 4,295 |
| Average total loans | $93,195,000 | 3,633 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1238% | 3,650 |
| Cost of funding earning assets | 0.8724% | 853 |
| Net interest margin | 3.2514% | 4,832 |
| Noninterest income to average assets | 0.4650% | 3,992 |
| Noninterest expense to average assets | 2.4265% | 5,001 |
| Loan and lease loss provision to assets | 0.1820% | 2,026 |
| Net operating income to assets | 0.6802% | 3,897 |
| Return on assets (ROA) | 0.6857% | 3,961 |
| Pretax return on assets | 0.9398% | 3,597 |
| Return on Equity (ROE) | 7.3668% | 3,373 |
| Retained earnings to average equity (ytd only) | 7.3668% | 1,285 |
| Net charge-offs to loans | 0.1855% | 2,984 |
| Credit loss provision to net charge-offs | 147.2393% | 1,579 |
| Earnings coverage of net charge-offs (x) | 9.0123% | 2,571 |
| Efficiency ratio | 68.5304% | 4,093 |
| Assets per employee ($millions) | 4.2797% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8970% | 5,941 |
| Loan loss allowance to noncurrent loans | 156.5619% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 4,751 |
| Noncurrent loans to loans | 0.5729% | 4,551 |
| Net loans and leases to total assets | 68.3332% | 2,298 |
| Net loans and leases to deposits | 89.1114% | 1,333 |
| Net loans and leases to core deposits | 94.2664% | 1,582 |
| Total domestic deposits to total assets | 76.6829% | 6,028 |
| Equity capital to assets | 9.1799% | 4,831 |
| Core capital (leverage) ratio | 8.1185% | 6,040 |
| Tier 1 risk-based capital ratio | 11.6175% | 5,846 |
| Total risk-based capital ratio | 12.5300% | 5,977 |
| Memoranda: | ||
| Average total assets | $131,836,600 | 4,036 |
| Average earning assets | $124,714,200 | 3,958 |
| Average equity | $12,271,200 | 4,400 |
| Average total loans | $87,892,000 | 3,737 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1898% | 3,427 |
| Cost of funding earning assets | 0.8868% | 873 |
| Net interest margin | 3.3030% | 4,626 |
| Noninterest income to average assets | 0.4687% | 4,005 |
| Noninterest expense to average assets | 2.5081% | 4,693 |
| Loan and lease loss provision to assets | 0.1236% | 2,746 |
| Net operating income to assets | 0.6972% | 3,877 |
| Return on assets (ROA) | 0.7047% | 3,969 |
| Pretax return on assets | 0.9702% | 3,614 |
| Return on Equity (ROE) | 7.5433% | 3,355 |
| Retained earnings to average equity (ytd only) | 7.5433% | 1,623 |
| Net charge-offs to loans | 0.0433% | 4,293 |
| Credit loss provision to net charge-offs | 432.1429% | 609 |
| Earnings coverage of net charge-offs (x) | 37.8953% | 1,044 |
| Efficiency ratio | 69.8322% | 3,780 |
| Assets per employee ($millions) | 3.9999% | 3,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 5,795 |
| Loan loss allowance to noncurrent loans | 126.9118% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.6197% | 4,580 |
| Noncurrent loans to loans | 0.7743% | 4,298 |
| Net loans and leases to total assets | 65.8788% | 2,665 |
| Net loans and leases to deposits | 84.5122% | 1,815 |
| Net loans and leases to core deposits | 89.5062% | 2,023 |
| Total domestic deposits to total assets | 77.9518% | 5,914 |
| Equity capital to assets | 9.3805% | 4,699 |
| Core capital (leverage) ratio | 8.3050% | 5,968 |
| Tier 1 risk-based capital ratio | 12.1961% | 5,653 |
| Total risk-based capital ratio | 13.1919% | 5,747 |
| Memoranda: | ||
| Average total assets | $130,558,000 | 4,098 |
| Average earning assets | $123,440,750 | 4,019 |
| Average equity | $12,196,000 | 4,463 |
| Average total loans | $86,257,500 | 3,805 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2209% | 3,279 |
| Cost of funding earning assets | 0.9134% | 839 |
| Net interest margin | 3.3075% | 4,548 |
| Noninterest income to average assets | 0.4659% | 4,050 |
| Noninterest expense to average assets | 2.4970% | 4,745 |
| Loan and lease loss provision to assets | 0.0830% | 3,411 |
| Net operating income to assets | 0.7300% | 3,673 |
| Return on assets (ROA) | 0.7411% | 3,770 |
| Pretax return on assets | 1.0301% | 3,374 |
| Return on Equity (ROE) | 7.9446% | 3,129 |
| Retained earnings to average equity (ytd only) | 7.9446% | 1,509 |
| Net charge-offs to loans | 0.0910% | 3,451 |
| Credit loss provision to net charge-offs | 138.4615% | 1,640 |
| Earnings coverage of net charge-offs (x) | 18.3077% | 1,561 |
| Efficiency ratio | 69.4611% | 3,930 |
| Assets per employee ($millions) | 3.6829% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9175% | 6,084 |
| Loan loss allowance to noncurrent loans | 892.0455% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 5,971 |
| Noncurrent loans to loans | 0.1029% | 6,089 |
| Net loans and leases to total assets | 65.7631% | 2,626 |
| Net loans and leases to deposits | 82.6234% | 1,978 |
| Net loans and leases to core deposits | 87.5687% | 2,163 |
| Total domestic deposits to total assets | 79.5938% | 5,692 |
| Equity capital to assets | 9.3583% | 4,774 |
| Core capital (leverage) ratio | 8.1091% | 6,098 |
| Tier 1 risk-based capital ratio | 12.2080% | 5,675 |
| Total risk-based capital ratio | 13.1328% | 5,818 |
| Memoranda: | ||
| Average total assets | $130,078,330 | 4,140 |
| Average earning assets | $123,055,330 | 4,060 |
| Average equity | $12,134,000 | 4,500 |
| Average total loans | $85,736,330 | 3,830 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2590% | 3,061 |
| Cost of funding earning assets | 0.9314% | 843 |
| Net interest margin | 3.3277% | 4,409 |
| Noninterest income to average assets | 0.4622% | 4,038 |
| Noninterest expense to average assets | 2.4674% | 4,875 |
| Loan and lease loss provision to assets | 0.0827% | 3,275 |
| Net operating income to assets | 0.7589% | 3,384 |
| Return on assets (ROA) | 0.7806% | 3,411 |
| Pretax return on assets | 1.0929% | 2,981 |
| Return on Equity (ROE) | 8.3816% | 2,782 |
| Retained earnings to average equity (ytd only) | 8.3816% | 1,615 |
| Net charge-offs to loans | -0.0746% | 6,306 |
| Credit loss provision to net charge-offs | -168.7500% | 5,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3051% | 4,253 |
| Assets per employee ($millions) | 3.8044% | 4,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 6,128 |
| Loan loss allowance to noncurrent loans | 309.1255% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 5,955 |
| Noncurrent loans to loans | 0.3078% | 5,631 |
| Net loans and leases to total assets | 65.4235% | 2,472 |
| Net loans and leases to deposits | 80.5920% | 2,008 |
| Net loans and leases to core deposits | 85.0826% | 2,207 |
| Total domestic deposits to total assets | 81.1787% | 5,454 |
| Equity capital to assets | 9.4868% | 4,870 |
| Core capital (leverage) ratio | 7.9659% | 6,181 |
| Tier 1 risk-based capital ratio | 12.0448% | 5,889 |
| Total risk-based capital ratio | 13.0111% | 6,034 |
| Memoranda: | ||
| Average total assets | $130,666,500 | 4,168 |
| Average earning assets | $123,690,500 | 4,073 |
| Average equity | $12,169,500 | 4,544 |
| Average total loans | $85,827,000 | 3,844 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2827% | 4,265 |
| Cost of funding earning assets | 1.1337% | 792 |
| Net interest margin | 3.1490% | 5,695 |
| Noninterest income to average assets | 0.5878% | 3,346 |
| Noninterest expense to average assets | 2.4953% | 5,113 |
| Loan and lease loss provision to assets | 0.0864% | 4,619 |
| Net operating income to assets | 0.7070% | 3,703 |
| Return on assets (ROA) | 0.7070% | 3,961 |
| Pretax return on assets | 0.9741% | 3,640 |
| Return on Equity (ROE) | 7.5868% | 3,300 |
| Retained earnings to average equity (ytd only) | 7.5868% | 1,287 |
| Net charge-offs to loans | 0.0972% | 4,688 |
| Credit loss provision to net charge-offs | 136.7089% | 2,023 |
| Earnings coverage of net charge-offs (x) | 16.7848% | 1,556 |
| Efficiency ratio | 70.1754% | 3,781 |
| Assets per employee ($millions) | 3.8819% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 6,279 |
| Loan loss allowance to noncurrent loans | 80.9674% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 0.7205% | 4,675 |
| Noncurrent loans to loans | 1.1030% | 3,998 |
| Net loans and leases to total assets | 64.7399% | 2,766 |
| Net loans and leases to deposits | 79.0115% | 2,403 |
| Net loans and leases to core deposits | 83.9881% | 2,555 |
| Total domestic deposits to total assets | 81.9373% | 5,124 |
| Equity capital to assets | 9.1435% | 5,344 |
| Core capital (leverage) ratio | 7.7470% | 6,374 |
| Tier 1 risk-based capital ratio | 11.0961% | 6,315 |
| Total risk-based capital ratio | 11.9609% | 6,432 |
| Memoranda: | ||
| Average total assets | $125,036,400 | 4,250 |
| Average earning assets | $117,845,400 | 4,163 |
| Average equity | $11,651,800 | 4,644 |
| Average total loans | $81,261,600 | 4,000 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3755% | 4,153 |
| Cost of funding earning assets | 1.1766% | 774 |
| Net interest margin | 3.1989% | 5,705 |
| Noninterest income to average assets | 0.5883% | 3,357 |
| Noninterest expense to average assets | 2.5477% | 4,931 |
| Loan and lease loss provision to assets | 0.0876% | 4,509 |
| Net operating income to assets | 0.7007% | 3,917 |
| Return on assets (ROA) | 0.7007% | 4,158 |
| Pretax return on assets | 0.9635% | 3,858 |
| Return on Equity (ROE) | 7.4818% | 3,537 |
| Retained earnings to average equity (ytd only) | 7.4818% | 1,860 |
| Net charge-offs to loans | -0.0317% | 6,589 |
| Credit loss provision to net charge-offs | -426.3158% | 6,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7933% | 3,535 |
| Assets per employee ($millions) | 3.5601% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 5,824 |
| Loan loss allowance to noncurrent loans | 139.9334% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.4823% | 5,462 |
| Noncurrent loans to loans | 0.7650% | 4,881 |
| Net loans and leases to total assets | 62.3773% | 3,320 |
| Net loans and leases to deposits | 76.7167% | 2,868 |
| Net loans and leases to core deposits | 81.9822% | 2,962 |
| Total domestic deposits to total assets | 81.3086% | 5,261 |
| Equity capital to assets | 9.5455% | 5,148 |
| Core capital (leverage) ratio | 7.9619% | 6,358 |
| Tier 1 risk-based capital ratio | 12.4440% | 5,680 |
| Total risk-based capital ratio | 13.5293% | 5,759 |
| Memoranda: | ||
| Average total assets | $123,299,250 | 4,325 |
| Average earning assets | $116,037,750 | 4,243 |
| Average equity | $11,547,750 | 4,707 |
| Average total loans | $80,022,750 | 4,082 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4579% | 3,949 |
| Cost of funding earning assets | 1.2040% | 800 |
| Net interest margin | 3.2539% | 5,582 |
| Noninterest income to average assets | 0.5958% | 3,281 |
| Noninterest expense to average assets | 2.5524% | 4,951 |
| Loan and lease loss provision to assets | 0.0879% | 4,482 |
| Net operating income to assets | 0.7358% | 3,674 |
| Return on assets (ROA) | 0.7358% | 3,944 |
| Pretax return on assets | 1.0174% | 3,647 |
| Return on Equity (ROE) | 7.9074% | 3,298 |
| Retained earnings to average equity (ytd only) | 7.9074% | 1,674 |
| Net charge-offs to loans | 0.0149% | 5,218 |
| Credit loss provision to net charge-offs | 900.0000% | 362 |
| Earnings coverage of net charge-offs (x) | 113.1667% | 382 |
| Efficiency ratio | 69.7819% | 3,804 |
| Assets per employee ($millions) | 3.5249% | 4,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 6,251 |
| Loan loss allowance to noncurrent loans | 118.6466% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.5390% | 5,414 |
| Noncurrent loans to loans | 0.8196% | 4,879 |
| Net loans and leases to total assets | 65.1274% | 2,825 |
| Net loans and leases to deposits | 80.4198% | 2,327 |
| Net loans and leases to core deposits | 85.1137% | 2,541 |
| Total domestic deposits to total assets | 80.9843% | 5,475 |
| Equity capital to assets | 9.4632% | 5,112 |
| Core capital (leverage) ratio | 7.7859% | 6,457 |
| Tier 1 risk-based capital ratio | 11.9216% | 5,979 |
| Total risk-based capital ratio | 12.9172% | 6,109 |
| Memoranda: | ||
| Average total assets | $122,864,670 | 4,354 |
| Average earning assets | $115,614,670 | 4,283 |
| Average equity | $11,432,330 | 4,728 |
| Average total loans | $80,508,670 | 4,091 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5233% | 3,827 |
| Cost of funding earning assets | 1.2384% | 813 |
| Net interest margin | 3.2849% | 5,515 |
| Noninterest income to average assets | 0.5546% | 3,534 |
| Noninterest expense to average assets | 2.5870% | 4,867 |
| Loan and lease loss provision to assets | 0.0881% | 4,265 |
| Net operating income to assets | 0.7047% | 3,863 |
| Return on assets (ROA) | 0.7047% | 4,082 |
| Pretax return on assets | 0.9689% | 3,796 |
| Return on Equity (ROE) | 7.6386% | 3,435 |
| Retained earnings to average equity (ytd only) | 7.6386% | 2,113 |
| Net charge-offs to loans | 0.1147% | 3,427 |
| Credit loss provision to net charge-offs | 117.3913% | 2,017 |
| Earnings coverage of net charge-offs (x) | 14.0870% | 1,491 |
| Efficiency ratio | 70.9937% | 3,624 |
| Assets per employee ($millions) | 3.6243% | 4,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9315% | 6,467 |
| Loan loss allowance to noncurrent loans | 85.9285% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.7320% | 5,083 |
| Noncurrent loans to loans | 1.0840% | 4,525 |
| Net loans and leases to total assets | 64.3003% | 2,803 |
| Net loans and leases to deposits | 79.9189% | 2,212 |
| Net loans and leases to core deposits | 85.2886% | 2,372 |
| Total domestic deposits to total assets | 80.4569% | 5,734 |
| Equity capital to assets | 9.2546% | 5,150 |
| Core capital (leverage) ratio | 7.5908% | 6,573 |
| Tier 1 risk-based capital ratio | 11.2394% | 6,423 |
| Total risk-based capital ratio | 12.1484% | 6,568 |
| Memoranda: | ||
| Average total assets | $122,611,000 | 4,388 |
| Average earning assets | $115,314,500 | 4,302 |
| Average equity | $11,311,000 | 4,762 |
| Average total loans | $80,194,000 | 4,117 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6856% | 4,309 |
| Cost of funding earning assets | 1.4685% | 806 |
| Net interest margin | 3.2172% | 6,040 |
| Noninterest income to average assets | 0.5665% | 3,381 |
| Noninterest expense to average assets | 2.7250% | 4,643 |
| Loan and lease loss provision to assets | 0.1074% | 5,251 |
| Net operating income to assets | 0.5665% | 4,165 |
| Return on assets (ROA) | 0.5665% | 4,345 |
| Pretax return on assets | 0.7494% | 4,158 |
| Return on Equity (ROE) | 6.3057% | 3,737 |
| Retained earnings to average equity (ytd only) | 6.3057% | 1,850 |
| Net charge-offs to loans | 0.1249% | 5,139 |
| Credit loss provision to net charge-offs | 131.9588% | 2,309 |
| Earnings coverage of net charge-offs (x) | 10.5258% | 1,827 |
| Efficiency ratio | 76.0778% | 2,878 |
| Assets per employee ($millions) | 3.6969% | 4,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9215% | 6,481 |
| Loan loss allowance to noncurrent loans | 100.9537% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.6820% | 5,280 |
| Noncurrent loans to loans | 0.9128% | 4,859 |
| Net loans and leases to total assets | 65.3032% | 2,916 |
| Net loans and leases to deposits | 81.1333% | 2,332 |
| Net loans and leases to core deposits | 85.4770% | 2,704 |
| Total domestic deposits to total assets | 80.4889% | 5,595 |
| Equity capital to assets | 9.1953% | 5,294 |
| Core capital (leverage) ratio | 7.5030% | 6,649 |
| Tier 1 risk-based capital ratio | 11.4757% | 6,174 |
| Total risk-based capital ratio | 12.4211% | 6,348 |
| Memoranda: | ||
| Average total assets | $119,156,400 | 4,423 |
| Average earning assets | $111,682,200 | 4,349 |
| Average equity | $10,704,600 | 4,856 |
| Average total loans | $77,686,400 | 4,221 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7423% | 4,267 |
| Cost of funding earning assets | 1.5035% | 851 |
| Net interest margin | 3.2389% | 6,050 |
| Noninterest income to average assets | 0.5561% | 3,469 |
| Noninterest expense to average assets | 2.7263% | 4,629 |
| Loan and lease loss provision to assets | 0.1137% | 5,001 |
| Net operating income to assets | 0.5595% | 4,274 |
| Return on assets (ROA) | 0.5595% | 4,444 |
| Pretax return on assets | 0.7497% | 4,312 |
| Return on Equity (ROE) | 6.2655% | 3,897 |
| Retained earnings to average equity (ytd only) | 6.2655% | 2,392 |
| Net charge-offs to loans | -0.0779% | 7,126 |
| Credit loss provision to net charge-offs | -224.4444% | 6,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9486% | 2,849 |
| Assets per employee ($millions) | 3.5437% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 5,962 |
| Loan loss allowance to noncurrent loans | 107.5377% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.6731% | 5,458 |
| Noncurrent loans to loans | 1.0041% | 4,881 |
| Net loans and leases to total assets | 65.0850% | 3,089 |
| Net loans and leases to deposits | 82.0806% | 2,340 |
| Net loans and leases to core deposits | 86.8389% | 2,666 |
| Total domestic deposits to total assets | 79.2940% | 5,923 |
| Equity capital to assets | 9.1678% | 5,561 |
| Core capital (leverage) ratio | 7.5412% | 6,744 |
| Tier 1 risk-based capital ratio | 11.2650% | 6,392 |
| Total risk-based capital ratio | 12.3587% | 6,462 |
| Memoranda: | ||
| Average total assets | $118,446,250 | 4,472 |
| Average earning assets | $110,941,000 | 4,392 |
| Average equity | $10,576,250 | 4,902 |
| Average total loans | $77,005,750 | 4,277 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7349% | 4,368 |
| Cost of funding earning assets | 1.5251% | 922 |
| Net interest margin | 3.2098% | 6,129 |
| Noninterest income to average assets | 0.5333% | 3,612 |
| Noninterest expense to average assets | 2.7088% | 4,788 |
| Loan and lease loss provision to assets | 0.0917% | 5,173 |
| Net operating income to assets | 0.5502% | 4,310 |
| Return on assets (ROA) | 0.5502% | 4,440 |
| Pretax return on assets | 0.7388% | 4,251 |
| Return on Equity (ROE) | 6.2190% | 3,840 |
| Retained earnings to average equity (ytd only) | 6.2190% | 2,283 |
| Net charge-offs to loans | -0.0052% | 6,591 |
| Credit loss provision to net charge-offs | -2,700.0000% | 6,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5355% | 2,930 |
| Assets per employee ($millions) | 3.2157% | 5,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 6,363 |
| Loan loss allowance to noncurrent loans | 67.9078% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 0.9481% | 4,967 |
| Noncurrent loans to loans | 1.4625% | 4,230 |
| Net loans and leases to total assets | 64.1789% | 3,422 |
| Net loans and leases to deposits | 79.1394% | 2,947 |
| Net loans and leases to core deposits | 83.7887% | 3,241 |
| Total domestic deposits to total assets | 81.0960% | 5,491 |
| Equity capital to assets | 8.9982% | 5,583 |
| Core capital (leverage) ratio | 7.4073% | 6,804 |
| Tier 1 risk-based capital ratio | 11.2011% | 6,380 |
| Total risk-based capital ratio | 12.1937% | 6,547 |
| Memoranda: | ||
| Average total assets | $117,766,000 | 4,520 |
| Average earning assets | $110,286,670 | 4,440 |
| Average equity | $10,419,670 | 4,946 |
| Average total loans | $76,249,330 | 4,339 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7753% | 4,179 |
| Cost of funding earning assets | 1.5456% | 994 |
| Net interest margin | 3.2297% | 5,983 |
| Noninterest income to average assets | 0.5019% | 3,867 |
| Noninterest expense to average assets | 2.7006% | 4,835 |
| Loan and lease loss provision to assets | 0.0922% | 4,862 |
| Net operating income to assets | 0.5565% | 4,255 |
| Return on assets (ROA) | 0.5565% | 4,332 |
| Pretax return on assets | 0.7340% | 4,170 |
| Return on Equity (ROE) | 6.3446% | 3,703 |
| Retained earnings to average equity (ytd only) | 6.3446% | 2,444 |
| Net charge-offs to loans | -0.0475% | 6,867 |
| Credit loss provision to net charge-offs | -300.0000% | 5,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5731% | 3,058 |
| Assets per employee ($millions) | 3.3985% | 5,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 6,506 |
| Loan loss allowance to noncurrent loans | 66.2522% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 0.9466% | 4,998 |
| Noncurrent loans to loans | 1.4547% | 4,287 |
| Net loans and leases to total assets | 64.4486% | 3,365 |
| Net loans and leases to deposits | 79.8664% | 2,744 |
| Net loans and leases to core deposits | 83.6642% | 3,213 |
| Total domestic deposits to total assets | 80.6954% | 5,747 |
| Equity capital to assets | 8.7292% | 5,606 |
| Core capital (leverage) ratio | 7.3832% | 6,807 |
| Tier 1 risk-based capital ratio | 11.0522% | 6,475 |
| Total risk-based capital ratio | 12.0241% | 6,636 |
| Memoranda: | ||
| Average total assets | $117,159,000 | 4,555 |
| Average earning assets | $109,731,500 | 4,480 |
| Average equity | $10,276,500 | 4,968 |
| Average total loans | $75,811,000 | 4,390 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2747% | 3,238 |
| Cost of funding earning assets | 1.9000% | 844 |
| Net interest margin | 3.3747% | 5,720 |
| Noninterest income to average assets | 0.6589% | 3,091 |
| Noninterest expense to average assets | 2.8533% | 4,396 |
| Loan and lease loss provision to assets | 0.0964% | 6,178 |
| Net operating income to assets | 0.5996% | 3,672 |
| Return on assets (ROA) | 0.6133% | 3,779 |
| Pretax return on assets | 0.8374% | 3,512 |
| Return on Equity (ROE) | 6.8697% | 3,181 |
| Retained earnings to average equity (ytd only) | 6.8697% | 1,379 |
| Net charge-offs to loans | 0.1142% | 5,740 |
| Credit loss provision to net charge-offs | 130.1205% | 3,055 |
| Earnings coverage of net charge-offs (x) | 12.3494% | 1,516 |
| Efficiency ratio | 75.7167% | 3,090 |
| Assets per employee ($millions) | 3.2963% | 5,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9567% | 6,549 |
| Loan loss allowance to noncurrent loans | 64.7220% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 0.9508% | 5,111 |
| Noncurrent loans to loans | 1.4781% | 4,265 |
| Net loans and leases to total assets | 63.7130% | 3,933 |
| Net loans and leases to deposits | 78.5516% | 3,419 |
| Net loans and leases to core deposits | 81.7808% | 3,935 |
| Total domestic deposits to total assets | 81.1098% | 5,493 |
| Equity capital to assets | 8.8150% | 5,410 |
| Core capital (leverage) ratio | 7.3524% | 6,818 |
| Tier 1 risk-based capital ratio | 11.0756% | 6,272 |
| Total risk-based capital ratio | 12.0208% | 6,480 |
| Memoranda: | ||
| Average total assets | $112,010,400 | 4,658 |
| Average earning assets | $103,209,200 | 4,632 |
| Average equity | $10,000,400 | 5,136 |
| Average total loans | $72,666,000 | 4,581 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3797% | 2,976 |
| Cost of funding earning assets | 1.9579% | 860 |
| Net interest margin | 3.4218% | 5,600 |
| Noninterest income to average assets | 0.6117% | 3,370 |
| Noninterest expense to average assets | 2.8328% | 4,340 |
| Loan and lease loss provision to assets | 0.0971% | 6,051 |
| Net operating income to assets | 0.6038% | 3,866 |
| Return on assets (ROA) | 0.6225% | 3,954 |
| Pretax return on assets | 0.8467% | 3,746 |
| Return on Equity (ROE) | 6.9490% | 3,366 |
| Retained earnings to average equity (ytd only) | 6.9490% | 1,881 |
| Net charge-offs to loans | 0.0203% | 6,388 |
| Credit loss provision to net charge-offs | 736.3636% | 406 |
| Earnings coverage of net charge-offs (x) | 69.6190% | 434 |
| Efficiency ratio | 75.5115% | 3,037 |
| Assets per employee ($millions) | 3.1943% | 5,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 6,377 |
| Loan loss allowance to noncurrent loans | 84.3575% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.8005% | 5,497 |
| Noncurrent loans to loans | 1.1902% | 4,862 |
| Net loans and leases to total assets | 66.5847% | 3,547 |
| Net loans and leases to deposits | 83.8596% | 2,728 |
| Net loans and leases to core deposits | 86.9590% | 3,529 |
| Total domestic deposits to total assets | 79.4002% | 5,895 |
| Equity capital to assets | 9.1877% | 5,326 |
| Core capital (leverage) ratio | 7.3731% | 6,962 |
| Tier 1 risk-based capital ratio | 10.7057% | 6,629 |
| Total risk-based capital ratio | 11.6973% | 6,804 |
| Memoranda: | ||
| Average total assets | $111,170,000 | 4,735 |
| Average earning assets | $102,010,250 | 4,727 |
| Average equity | $9,958,000 | 5,205 |
| Average total loans | $72,278,250 | 4,669 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4021% | 2,967 |
| Cost of funding earning assets | 1.9869% | 940 |
| Net interest margin | 3.4152% | 5,578 |
| Noninterest income to average assets | 0.5281% | 3,890 |
| Noninterest expense to average assets | 2.7974% | 4,492 |
| Loan and lease loss provision to assets | 0.0973% | 5,938 |
| Net operating income to assets | 0.5750% | 3,971 |
| Return on assets (ROA) | 0.5750% | 4,118 |
| Pretax return on assets | 0.7624% | 4,017 |
| Return on Equity (ROE) | 6.4750% | 3,558 |
| Retained earnings to average equity (ytd only) | 6.4750% | 2,085 |
| Net charge-offs to loans | 0.0112% | 6,188 |
| Credit loss provision to net charge-offs | 1,350.0000% | 294 |
| Earnings coverage of net charge-offs (x) | 119.2500% | 281 |
| Efficiency ratio | 76.4909% | 2,983 |
| Assets per employee ($millions) | 3.0412% | 6,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 6,479 |
| Loan loss allowance to noncurrent loans | 1,750.0000% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 7,181 |
| Noncurrent loans to loans | 0.0561% | 7,178 |
| Net loans and leases to total assets | 65.8914% | 3,859 |
| Net loans and leases to deposits | 82.9223% | 3,093 |
| Net loans and leases to core deposits | 86.2081% | 3,802 |
| Total domestic deposits to total assets | 79.4616% | 5,901 |
| Equity capital to assets | 8.8931% | 5,615 |
| Core capital (leverage) ratio | 7.1960% | 7,071 |
| Tier 1 risk-based capital ratio | 10.3037% | 6,835 |
| Total risk-based capital ratio | 11.2561% | 7,003 |
| Memoranda: | ||
| Average total assets | $110,959,330 | 4,774 |
| Average earning assets | $101,664,330 | 4,757 |
| Average equity | $9,853,330 | 5,245 |
| Average total loans | $71,305,000 | 4,744 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4067% | 3,005 |
| Cost of funding earning assets | 2.0131% | 1,041 |
| Net interest margin | 3.3936% | 5,607 |
| Noninterest income to average assets | 0.4683% | 4,313 |
| Noninterest expense to average assets | 2.7955% | 4,497 |
| Loan and lease loss provision to assets | 0.0980% | 5,654 |
| Net operating income to assets | 0.5155% | 4,315 |
| Return on assets (ROA) | 0.5155% | 4,459 |
| Pretax return on assets | 0.6717% | 4,331 |
| Return on Equity (ROE) | 5.8099% | 3,957 |
| Retained earnings to average equity (ytd only) | 5.8099% | 2,706 |
| Net charge-offs to loans | -0.0115% | 6,926 |
| Credit loss provision to net charge-offs | -1,350.0000% | 6,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4114% | 2,829 |
| Assets per employee ($millions) | 3.0854% | 6,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 6,465 |
| Loan loss allowance to noncurrent loans | 2,856.0000% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 7,307 |
| Noncurrent loans to loans | 0.0350% | 7,326 |
| Net loans and leases to total assets | 63.5816% | 4,408 |
| Net loans and leases to deposits | 79.0017% | 3,837 |
| Net loans and leases to core deposits | 84.4458% | 4,149 |
| Total domestic deposits to total assets | 80.4813% | 5,626 |
| Equity capital to assets | 8.8482% | 5,469 |
| Core capital (leverage) ratio | 7.3382% | 6,994 |
| Tier 1 risk-based capital ratio | 10.2794% | 6,819 |
| Total risk-based capital ratio | 11.2233% | 7,034 |
| Memoranda: | ||
| Average total assets | $110,176,000 | 4,866 |
| Average earning assets | $100,542,000 | 4,862 |
| Average equity | $9,776,500 | 5,301 |
| Average total loans | $69,517,500 | 4,884 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6174% | 3,513 |
| Cost of funding earning assets | 2.4202% | 1,242 |
| Net interest margin | 3.1972% | 6,106 |
| Noninterest income to average assets | 0.5703% | 3,860 |
| Noninterest expense to average assets | 3.0086% | 4,110 |
| Loan and lease loss provision to assets | 0.0927% | 6,674 |
| Net operating income to assets | 0.3315% | 4,408 |
| Return on assets (ROA) | 0.3315% | 4,498 |
| Pretax return on assets | 0.3895% | 4,524 |
| Return on Equity (ROE) | 3.7101% | 4,198 |
| Retained earnings to average equity (ytd only) | 3.7101% | 2,597 |
| Net charge-offs to loans | 0.1621% | 5,658 |
| Credit loss provision to net charge-offs | 89.1892% | 6,029 |
| Earnings coverage of net charge-offs (x) | 4.6396% | 2,872 |
| Efficiency ratio | 86.1856% | 2,091 |
| Assets per employee ($millions) | 3.0355% | 6,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 6,310 |
| Loan loss allowance to noncurrent loans | 74.2950% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.8940% | 5,312 |
| Noncurrent loans to loans | 1.3619% | 4,646 |
| Net loans and leases to total assets | 61.3238% | 5,137 |
| Net loans and leases to deposits | 77.6209% | 4,450 |
| Net loans and leases to core deposits | 95.2052% | 4,545 |
| Total domestic deposits to total assets | 79.0042% | 5,976 |
| Equity capital to assets | 8.8992% | 5,283 |
| Core capital (leverage) ratio | 6.8907% | 7,318 |
| Tier 1 risk-based capital ratio | 10.6633% | 6,240 |
| Total risk-based capital ratio | 11.6202% | 6,489 |
| Memoranda: | ||
| Average total assets | $106,795,000 | 4,909 |
| Average earning assets | $97,553,400 | 4,905 |
| Average equity | $9,541,600 | 5,434 |
| Average total loans | $68,481,600 | 4,923 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6570% | 3,534 |
| Cost of funding earning assets | 2.4855% | 1,351 |
| Net interest margin | 3.1715% | 6,114 |
| Noninterest income to average assets | 0.6003% | 3,698 |
| Noninterest expense to average assets | 3.0741% | 3,747 |
| Loan and lease loss provision to assets | 0.0904% | 6,467 |
| Net operating income to assets | 0.2851% | 4,840 |
| Return on assets (ROA) | 0.2851% | 4,947 |
| Pretax return on assets | 0.3441% | 4,944 |
| Return on Equity (ROE) | 3.1873% | 4,706 |
| Retained earnings to average equity (ytd only) | 3.1873% | 3,529 |
| Net charge-offs to loans | 0.0951% | 5,725 |
| Credit loss provision to net charge-offs | 146.9388% | 3,301 |
| Earnings coverage of net charge-offs (x) | 7.0614% | 2,484 |
| Efficiency ratio | 87.6163% | 1,907 |
| Assets per employee ($millions) | 3.0095% | 6,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0552% | 5,981 |
| Loan loss allowance to noncurrent loans | 80.0890% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.9447% | 5,178 |
| Noncurrent loans to loans | 1.3175% | 4,737 |
| Net loans and leases to total assets | 60.6297% | 5,482 |
| Net loans and leases to deposits | 77.9974% | 4,738 |
| Net loans and leases to core deposits | 95.9400% | 4,820 |
| Total domestic deposits to total assets | 77.7330% | 6,161 |
| Equity capital to assets | 8.6985% | 5,953 |
| Core capital (leverage) ratio | 7.1580% | 7,301 |
| Tier 1 risk-based capital ratio | 10.5601% | 6,405 |
| Total risk-based capital ratio | 11.5730% | 6,597 |
| Memoranda: | ||
| Average total assets | $106,174,000 | 4,952 |
| Average earning assets | $97,363,750 | 4,946 |
| Average equity | $9,495,750 | 5,487 |
| Average total loans | $68,677,250 | 4,963 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8062% | 3,015 |
| Cost of funding earning assets | 2.5819% | 1,339 |
| Net interest margin | 3.2243% | 5,831 |
| Noninterest income to average assets | 0.5974% | 3,720 |
| Noninterest expense to average assets | 3.1212% | 3,618 |
| Loan and lease loss provision to assets | 0.0862% | 6,310 |
| Net operating income to assets | 0.2777% | 4,989 |
| Return on assets (ROA) | 0.2777% | 5,091 |
| Pretax return on assets | 0.3408% | 5,098 |
| Return on Equity (ROE) | 3.0745% | 4,870 |
| Retained earnings to average equity (ytd only) | 3.0745% | 3,606 |
| Net charge-offs to loans | 0.1540% | 4,654 |
| Credit loss provision to net charge-offs | 84.9057% | 5,063 |
| Earnings coverage of net charge-offs (x) | 4.2075% | 3,177 |
| Efficiency ratio | 87.9655% | 2,018 |
| Assets per employee ($millions) | 2.8129% | 6,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 6,079 |
| Loan loss allowance to noncurrent loans | 101.9231% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.7755% | 5,457 |
| Noncurrent loans to loans | 1.0009% | 5,203 |
| Net loans and leases to total assets | 62.5426% | 5,261 |
| Net loans and leases to deposits | 78.4623% | 4,792 |
| Net loans and leases to core deposits | 96.3147% | 4,866 |
| Total domestic deposits to total assets | 79.7104% | 5,559 |
| Equity capital to assets | 8.8360% | 5,544 |
| Core capital (leverage) ratio | 6.9828% | 7,552 |
| Tier 1 risk-based capital ratio | 11.0887% | 5,789 |
| Total risk-based capital ratio | 12.1177% | 5,952 |
| Memoranda: | ||
| Average total assets | $104,447,670 | 5,032 |
| Average earning assets | $95,586,670 | 5,020 |
| Average equity | $9,432,330 | 5,532 |
| Average total loans | $68,825,330 | 5,004 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8443% | 3,063 |
| Cost of funding earning assets | 2.5993% | 1,569 |
| Net interest margin | 3.2450% | 5,710 |
| Noninterest income to average assets | 0.5851% | 3,656 |
| Noninterest expense to average assets | 3.1930% | 3,014 |
| Loan and lease loss provision to assets | 0.0698% | 6,083 |
| Net operating income to assets | 0.2558% | 5,465 |
| Return on assets (ROA) | 0.2558% | 5,626 |
| Pretax return on assets | 0.3216% | 5,617 |
| Return on Equity (ROE) | 2.8008% | 5,454 |
| Retained earnings to average equity (ytd only) | 2.8008% | 4,322 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0811% | 1,804 |
| Assets per employee ($millions) | 2.8120% | 6,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 5,929 |
| Loan loss allowance to noncurrent loans | 83.7237% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 0.9424% | 4,834 |
| Noncurrent loans to loans | 1.2308% | 4,508 |
| Net loans and leases to total assets | 64.2622% | 4,940 |
| Net loans and leases to deposits | 81.3583% | 4,398 |
| Net loans and leases to core deposits | 102.5523% | 4,286 |
| Total domestic deposits to total assets | 78.9867% | 5,730 |
| Equity capital to assets | 8.8137% | 5,599 |
| Core capital (leverage) ratio | 7.3254% | 7,353 |
| Tier 1 risk-based capital ratio | 10.2968% | 6,593 |
| Total risk-based capital ratio | 11.2991% | 6,774 |
| Memoranda: | ||
| Average total assets | $103,225,500 | 5,090 |
| Average earning assets | $95,409,000 | 5,043 |
| Average equity | $9,426,000 | 5,558 |
| Average total loans | $69,467,000 | 5,005 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5301% | 2,805 |
| Cost of funding earning assets | 3.2092% | 1,162 |
| Net interest margin | 3.3209% | 5,968 |
| Noninterest income to average assets | 0.4974% | 4,629 |
| Noninterest expense to average assets | 2.9966% | 4,090 |
| Loan and lease loss provision to assets | 0.1061% | 6,017 |
| Net operating income to assets | 0.3316% | 5,439 |
| Return on assets (ROA) | 0.3316% | 5,259 |
| Pretax return on assets | 0.4572% | 5,102 |
| Return on Equity (ROE) | 3.5300% | 5,026 |
| Retained earnings to average equity (ytd only) | 3.5300% | 2,944 |
| Net charge-offs to loans | 0.2476% | 3,798 |
| Credit loss provision to net charge-offs | 58.8571% | 6,243 |
| Earnings coverage of net charge-offs (x) | 3.1257% | 4,527 |
| Efficiency ratio | 84.1770% | 2,035 |
| Assets per employee ($millions) | 2.5537% | 7,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 6,033 |
| Loan loss allowance to noncurrent loans | 23.3657% | 7,079 |
| Noncurrent assets plus other real estate owned to assets | 3.3215% | 1,359 |
| Noncurrent loans to loans | 4.2889% | 1,131 |
| Net loans and leases to total assets | 69.1340% | 4,217 |
| Net loans and leases to deposits | 88.1670% | 3,774 |
| Net loans and leases to core deposits | 106.4879% | 4,132 |
| Total domestic deposits to total assets | 78.4126% | 5,577 |
| Equity capital to assets | 9.4724% | 4,728 |
| Core capital (leverage) ratio | 7.3507% | 7,361 |
| Tier 1 risk-based capital ratio | 10.7177% | 5,987 |
| Total risk-based capital ratio | 11.7439% | 6,095 |
| Memoranda: | ||
| Average total assets | $97,111,200 | 5,134 |
| Average earning assets | $89,554,400 | 5,099 |
| Average equity | $9,121,800 | 5,699 |
| Average total loans | $70,673,600 | 4,842 |