Home > Grand Marsh State Bank > Performance and Condition Ratios
Grand Marsh State Bank, Performance and Condition Ratios
| 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 | 3.6862% | 4,619 |
| Cost of funding earning assets | 0.2574% | 4,712 |
| Net interest margin | 3.4288% | 3,869 |
| Noninterest income to average assets | 0.2064% | 4,778 |
| Noninterest expense to average assets | 1.5907% | 5,273 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1458% | 2,409 |
| Return on assets (ROA) | 1.1458% | 2,414 |
| Pretax return on assets | 1.3442% | 2,345 |
| Return on Equity (ROE) | 6.6521% | 4,006 |
| Retained earnings to average equity (ytd only) | 5.0262% | 3,064 |
| Net charge-offs to loans | 0.0328% | 2,196 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 93.3333% | 730 |
| Efficiency ratio | 54.1985% | 4,671 |
| Assets per employee ($millions) | 6.0291% | 1,444 |
| Cash dividends to net income (ytd only)* | 24.4413% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 3,926 |
| Loan loss allowance to noncurrent loans | 77.5785% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.6386% | 2,308 |
| Noncurrent loans to loans | 1.2720% | 1,346 |
| Net loans and leases to total assets | 43.1876% | 4,945 |
| Net loans and leases to deposits | 52.7790% | 4,886 |
| Net loans and leases to core deposits | 55.5057% | 4,883 |
| Total domestic deposits to total assets | 81.8272% | 3,777 |
| Equity capital to assets | 18.0949% | 315 |
| Core capital (leverage) ratio | 17.2130% | 372 |
| Tier 1 risk-based capital ratio | 36.4610% | 291 |
| Total risk-based capital ratio | 37.3283% | 294 |
| Memoranda: | ||
| Average total assets | $124,979,330 | 3,773 |
| Average earning assets | $99,452,000 | 4,059 |
| Average equity | $21,527,000 | 2,963 |
| Average total loans | $54,829,670 | 4,286 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5750% | 4,754 |
| Cost of funding earning assets | 0.2559% | 4,675 |
| Net interest margin | 3.3191% | 4,134 |
| Noninterest income to average assets | 0.1793% | 4,952 |
| Noninterest expense to average assets | 1.4028% | 5,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1983% | 2,009 |
| Return on assets (ROA) | 1.1983% | 2,024 |
| Pretax return on assets | 1.4688% | 1,770 |
| Return on Equity (ROE) | 7.1278% | 3,737 |
| Retained earnings to average equity (ytd only) | 3.8539% | 3,652 |
| Net charge-offs to loans | -0.0071% | 4,127 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8499% | 5,151 |
| Assets per employee ($millions) | 6.4471% | 1,228 |
| Cash dividends to net income (ytd only)* | 45.9318% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 4,178 |
| Loan loss allowance to noncurrent loans | 94.9731% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.5095% | 2,822 |
| Noncurrent loans to loans | 1.0099% | 1,807 |
| Net loans and leases to total assets | 42.3648% | 4,964 |
| Net loans and leases to deposits | 50.9390% | 4,925 |
| Net loans and leases to core deposits | 53.3467% | 4,935 |
| Total domestic deposits to total assets | 83.1676% | 3,611 |
| Equity capital to assets | 16.6618% | 425 |
| Core capital (leverage) ratio | 16.5561% | 427 |
| Tier 1 risk-based capital ratio | 36.2263% | 299 |
| Total risk-based capital ratio | 37.1183% | 305 |
| Memoranda: | ||
| Average total assets | $127,178,500 | 3,776 |
| Average earning assets | $103,161,000 | 4,043 |
| Average equity | $21,381,000 | 3,006 |
| Average total loans | $55,947,000 | 4,307 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1080% | 5,279 |
| Cost of funding earning assets | 0.2380% | 4,665 |
| Net interest margin | 2.8700% | 5,082 |
| Noninterest income to average assets | 0.2083% | 4,896 |
| Noninterest expense to average assets | 1.3181% | 5,554 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0336% | 2,112 |
| Return on assets (ROA) | 1.0336% | 2,143 |
| Pretax return on assets | 1.4776% | 1,729 |
| Return on Equity (ROE) | 6.3621% | 3,599 |
| Retained earnings to average equity (ytd only) | 6.3621% | 1,350 |
| Net charge-offs to loans | 0.1539% | 1,571 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 21.6092% | 1,890 |
| Efficiency ratio | 47.1465% | 5,351 |
| Assets per employee ($millions) | 6.2708% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 4,313 |
| Loan loss allowance to noncurrent loans | 72.3288% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 0.6618% | 2,335 |
| Noncurrent loans to loans | 1.2866% | 1,367 |
| Net loans and leases to total assets | 44.8200% | 4,941 |
| Net loans and leases to deposits | 54.0563% | 4,895 |
| Net loans and leases to core deposits | 56.5736% | 4,909 |
| Total domestic deposits to total assets | 82.9135% | 3,593 |
| Equity capital to assets | 16.9661% | 403 |
| Core capital (leverage) ratio | 17.0696% | 368 |
| Tier 1 risk-based capital ratio | 35.6165% | 306 |
| Total risk-based capital ratio | 36.5003% | 306 |
| Memoranda: | ||
| Average total assets | $127,230,600 | 3,791 |
| Average earning assets | $114,705,000 | 3,832 |
| Average equity | $20,669,400 | 3,065 |
| Average total loans | $56,546,400 | 4,277 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9844% | 5,420 |
| Cost of funding earning assets | 0.2404% | 4,653 |
| Net interest margin | 2.7440% | 5,286 |
| Noninterest income to average assets | 0.1984% | 5,013 |
| Noninterest expense to average assets | 1.3032% | 5,616 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1904% | 1,736 |
| Return on assets (ROA) | 1.1904% | 1,769 |
| Pretax return on assets | 1.4222% | 2,053 |
| Return on Equity (ROE) | 7.4082% | 3,440 |
| Retained earnings to average equity (ytd only) | 7.4082% | 1,485 |
| Net charge-offs to loans | 0.2053% | 1,042 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 15.6547% | 2,213 |
| Efficiency ratio | 47.8161% | 5,351 |
| Assets per employee ($millions) | 6.2314% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9753% | 4,209 |
| Loan loss allowance to noncurrent loans | 70.6827% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 0.6796% | 2,457 |
| Noncurrent loans to loans | 1.3798% | 1,366 |
| Net loans and leases to total assets | 43.0172% | 5,076 |
| Net loans and leases to deposits | 51.8447% | 5,058 |
| Net loans and leases to core deposits | 54.2610% | 5,063 |
| Total domestic deposits to total assets | 82.9732% | 3,460 |
| Equity capital to assets | 16.9329% | 438 |
| Core capital (leverage) ratio | 16.9603% | 386 |
| Tier 1 risk-based capital ratio | 36.2545% | 295 |
| Total risk-based capital ratio | 37.1616% | 301 |
| Memoranda: | ||
| Average total assets | $127,684,500 | 3,818 |
| Average earning assets | $117,586,500 | 3,829 |
| Average equity | $20,517,250 | 3,100 |
| Average total loans | $56,498,250 | 4,315 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9126% | 5,499 |
| Cost of funding earning assets | 0.2430% | 4,610 |
| Net interest margin | 2.6696% | 5,392 |
| Noninterest income to average assets | 0.2191% | 4,942 |
| Noninterest expense to average assets | 1.2711% | 5,684 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2540% | 1,423 |
| Return on assets (ROA) | 1.2540% | 1,446 |
| Pretax return on assets | 1.4405% | 1,857 |
| Return on Equity (ROE) | 7.9421% | 3,063 |
| Retained earnings to average equity (ytd only) | 7.9421% | 1,189 |
| Net charge-offs to loans | 0.2409% | 850 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 13.4348% | 2,133 |
| Efficiency ratio | 46.8768% | 5,443 |
| Assets per employee ($millions) | 6.5420% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9670% | 4,337 |
| Loan loss allowance to noncurrent loans | 28.8736% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 1.6018% | 926 |
| Noncurrent loans to loans | 3.3491% | 358 |
| Net loans and leases to total assets | 44.9862% | 4,993 |
| Net loans and leases to deposits | 54.3897% | 4,943 |
| Net loans and leases to core deposits | 56.9350% | 4,960 |
| Total domestic deposits to total assets | 82.7109% | 3,654 |
| Equity capital to assets | 16.7098% | 437 |
| Core capital (leverage) ratio | 15.8458% | 495 |
| Tier 1 risk-based capital ratio | 34.2502% | 325 |
| Total risk-based capital ratio | 35.1506% | 329 |
| Memoranda: | ||
| Average total assets | $128,703,670 | 3,833 |
| Average earning assets | $120,169,000 | 3,805 |
| Average equity | $20,322,000 | 3,122 |
| Average total loans | $57,284,670 | 4,328 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7836% | 5,606 |
| Cost of funding earning assets | 0.2430% | 4,593 |
| Net interest margin | 2.5405% | 5,512 |
| Noninterest income to average assets | 0.2200% | 4,959 |
| Noninterest expense to average assets | 1.2681% | 5,751 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8250% | 3,099 |
| Return on assets (ROA) | 0.8250% | 3,153 |
| Pretax return on assets | 1.3475% | 2,069 |
| Return on Equity (ROE) | 5.3737% | 4,207 |
| Retained earnings to average equity (ytd only) | 5.3737% | 2,684 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4813% | 5,443 |
| Assets per employee ($millions) | 7.0185% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 3,896 |
| Loan loss allowance to noncurrent loans | 51.7241% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 0.9891% | 1,851 |
| Noncurrent loans to loans | 2.0635% | 854 |
| Net loans and leases to total assets | 42.7485% | 5,120 |
| Net loans and leases to deposits | 50.4393% | 5,104 |
| Net loans and leases to core deposits | 52.5730% | 5,123 |
| Total domestic deposits to total assets | 84.7524% | 3,188 |
| Equity capital to assets | 15.1726% | 623 |
| Core capital (leverage) ratio | 15.1622% | 577 |
| Tier 1 risk-based capital ratio | 32.0508% | 413 |
| Total risk-based capital ratio | 33.0250% | 415 |
| Memoranda: | ||
| Average total assets | $130,906,500 | 3,826 |
| Average earning assets | $123,438,000 | 3,788 |
| Average equity | $20,098,000 | 3,159 |
| Average total loans | $57,695,500 | 4,362 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8003% | 5,643 |
| Cost of funding earning assets | 0.2731% | 4,327 |
| Net interest margin | 2.5272% | 5,569 |
| Noninterest income to average assets | 0.2755% | 4,771 |
| Noninterest expense to average assets | 1.5081% | 5,712 |
| Loan and lease loss provision to assets | 0.0457% | 3,471 |
| Net operating income to assets | 0.8015% | 3,298 |
| Return on assets (ROA) | 0.8015% | 3,400 |
| Pretax return on assets | 1.1279% | 2,979 |
| Return on Equity (ROE) | 5.6535% | 4,134 |
| Retained earnings to average equity (ytd only) | 5.6535% | 1,917 |
| Net charge-offs to loans | 0.1187% | 2,069 |
| Credit loss provision to net charge-offs | 91.1765% | 2,773 |
| Earnings coverage of net charge-offs (x) | 23.4265% | 1,681 |
| Efficiency ratio | 56.2363% | 5,043 |
| Assets per employee ($millions) | 6.4231% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 3,934 |
| Loan loss allowance to noncurrent loans | 51.3378% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 1.0439% | 1,812 |
| Noncurrent loans to loans | 2.0703% | 860 |
| Net loans and leases to total assets | 44.4929% | 5,086 |
| Net loans and leases to deposits | 52.7376% | 5,077 |
| Net loans and leases to core deposits | 55.5182% | 5,068 |
| Total domestic deposits to total assets | 84.3665% | 3,287 |
| Equity capital to assets | 15.5401% | 556 |
| Core capital (leverage) ratio | 14.7077% | 650 |
| Tier 1 risk-based capital ratio | 33.5913% | 361 |
| Total risk-based capital ratio | 34.6245% | 359 |
| Memoranda: | ||
| Average total assets | $135,737,200 | 3,735 |
| Average earning assets | $129,234,200 | 3,663 |
| Average equity | $19,244,800 | 3,245 |
| Average total loans | $57,303,800 | 4,365 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7417% | 5,744 |
| Cost of funding earning assets | 0.2813% | 4,284 |
| Net interest margin | 2.4605% | 5,680 |
| Noninterest income to average assets | 0.2917% | 4,678 |
| Noninterest expense to average assets | 1.4617% | 5,786 |
| Loan and lease loss provision to assets | 0.0562% | 3,121 |
| Net operating income to assets | 0.8123% | 3,309 |
| Return on assets (ROA) | 0.8123% | 3,447 |
| Pretax return on assets | 1.1312% | 3,110 |
| Return on Equity (ROE) | 5.8605% | 4,141 |
| Retained earnings to average equity (ytd only) | 5.8605% | 2,264 |
| Net charge-offs to loans | 0.1585% | 1,428 |
| Credit loss provision to net charge-offs | 85.2941% | 2,600 |
| Earnings coverage of net charge-offs (x) | 18.0156% | 2,021 |
| Efficiency ratio | 55.1775% | 5,135 |
| Assets per employee ($millions) | 7.4472% | 736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 4,073 |
| Loan loss allowance to noncurrent loans | 40.0000% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 1.3847% | 1,349 |
| Noncurrent loans to loans | 2.6483% | 628 |
| Net loans and leases to total assets | 45.0024% | 5,142 |
| Net loans and leases to deposits | 53.3844% | 5,145 |
| Net loans and leases to core deposits | 57.3358% | 5,087 |
| Total domestic deposits to total assets | 84.2988% | 3,096 |
| Equity capital to assets | 15.5708% | 619 |
| Core capital (leverage) ratio | 14.6057% | 699 |
| Tier 1 risk-based capital ratio | 31.8270% | 416 |
| Total risk-based capital ratio | 32.8118% | 419 |
| Memoranda: | ||
| Average total assets | $137,556,250 | 3,734 |
| Average earning assets | $131,786,250 | 3,643 |
| Average equity | $19,065,250 | 3,283 |
| Average total loans | $57,187,250 | 4,399 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6596% | 5,854 |
| Cost of funding earning assets | 0.2880% | 4,267 |
| Net interest margin | 2.3716% | 5,825 |
| Noninterest income to average assets | 0.2153% | 5,198 |
| Noninterest expense to average assets | 1.4957% | 5,840 |
| Loan and lease loss provision to assets | 0.0737% | 2,666 |
| Net operating income to assets | 0.6218% | 4,177 |
| Return on assets (ROA) | 0.6218% | 4,307 |
| Pretax return on assets | 0.9206% | 3,875 |
| Return on Equity (ROE) | 4.6580% | 4,655 |
| Retained earnings to average equity (ytd only) | 4.6580% | 2,944 |
| Net charge-offs to loans | 0.0982% | 1,859 |
| Credit loss provision to net charge-offs | 185.7143% | 1,370 |
| Earnings coverage of net charge-offs (x) | 25.0714% | 1,520 |
| Efficiency ratio | 60.0683% | 4,629 |
| Assets per employee ($millions) | 7.0567% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 3,978 |
| Loan loss allowance to noncurrent loans | 38.0165% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 1.4052% | 1,398 |
| Noncurrent loans to loans | 2.8767% | 530 |
| Net loans and leases to total assets | 43.4392% | 5,260 |
| Net loans and leases to deposits | 50.7122% | 5,302 |
| Net loans and leases to core deposits | 54.5444% | 5,250 |
| Total domestic deposits to total assets | 85.6582% | 2,578 |
| Equity capital to assets | 14.2314% | 951 |
| Core capital (leverage) ratio | 13.8026% | 876 |
| Tier 1 risk-based capital ratio | 31.1029% | 450 |
| Total risk-based capital ratio | 32.1526% | 454 |
| Memoranda: | ||
| Average total assets | $141,207,670 | 3,691 |
| Average earning assets | $135,435,000 | 3,606 |
| Average equity | $18,849,330 | 3,321 |
| Average total loans | $57,055,000 | 4,435 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6837% | 5,912 |
| Cost of funding earning assets | 0.2979% | 4,186 |
| Net interest margin | 2.3859% | 5,882 |
| Noninterest income to average assets | 0.1768% | 5,436 |
| Noninterest expense to average assets | 1.6108% | 5,821 |
| Loan and lease loss provision to assets | 0.0995% | 2,034 |
| Net operating income to assets | 0.5084% | 4,597 |
| Return on assets (ROA) | 0.5084% | 4,702 |
| Pretax return on assets | 0.7460% | 4,375 |
| Return on Equity (ROE) | 3.9288% | 4,914 |
| Retained earnings to average equity (ytd only) | 3.9288% | 3,529 |
| Net charge-offs to loans | 0.1924% | 1,021 |
| Credit loss provision to net charge-offs | 133.3333% | 1,346 |
| Earnings coverage of net charge-offs (x) | 11.3333% | 1,869 |
| Efficiency ratio | 65.5793% | 3,865 |
| Assets per employee ($millions) | 8.0032% | 568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 3,954 |
| Loan loss allowance to noncurrent loans | 43.2600% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 1.2002% | 1,819 |
| Noncurrent loans to loans | 2.5854% | 710 |
| Net loans and leases to total assets | 38.6018% | 5,528 |
| Net loans and leases to deposits | 44.4452% | 5,573 |
| Net loans and leases to core deposits | 47.7052% | 5,522 |
| Total domestic deposits to total assets | 86.8525% | 2,274 |
| Equity capital to assets | 13.0677% | 1,378 |
| Core capital (leverage) ratio | 12.6342% | 1,292 |
| Tier 1 risk-based capital ratio | 29.4090% | 530 |
| Total risk-based capital ratio | 30.3917% | 536 |
| Memoranda: | ||
| Average total assets | $144,773,000 | 3,656 |
| Average earning assets | $138,315,000 | 3,583 |
| Average equity | $18,733,500 | 3,341 |
| Average total loans | $56,139,500 | 4,496 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6565% | 5,946 |
| Cost of funding earning assets | 0.3098% | 4,147 |
| Net interest margin | 2.3467% | 5,922 |
| Noninterest income to average assets | 0.2184% | 5,286 |
| Noninterest expense to average assets | 1.4016% | 6,031 |
| Loan and lease loss provision to assets | 0.1024% | 2,274 |
| Net operating income to assets | 0.6247% | 4,165 |
| Return on assets (ROA) | 0.6247% | 4,255 |
| Pretax return on assets | 0.9455% | 3,671 |
| Return on Equity (ROE) | 4.7775% | 4,618 |
| Retained earnings to average equity (ytd only) | 3.6892% | 3,424 |
| Net charge-offs to loans | 0.2232% | 1,325 |
| Credit loss provision to net charge-offs | 123.0769% | 2,107 |
| Earnings coverage of net charge-offs (x) | 12.5897% | 2,446 |
| Efficiency ratio | 57.2175% | 5,235 |
| Assets per employee ($millions) | 7.6573% | 643 |
| Cash dividends to net income (ytd only)* | 22.7790% | 3,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1063% | 4,014 |
| Loan loss allowance to noncurrent loans | 78.6802% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 0.7588% | 2,790 |
| Noncurrent loans to loans | 1.4061% | 1,658 |
| Net loans and leases to total assets | 38.0932% | 5,618 |
| Net loans and leases to deposits | 43.7848% | 5,658 |
| Net loans and leases to core deposits | 47.2940% | 5,593 |
| Total domestic deposits to total assets | 87.0010% | 2,134 |
| Equity capital to assets | 12.8134% | 1,455 |
| Core capital (leverage) ratio | 13.1052% | 1,108 |
| Tier 1 risk-based capital ratio | 29.8034% | 513 |
| Total risk-based capital ratio | 30.7946% | 517 |
| Memoranda: | ||
| Average total assets | $140,558,000 | 3,714 |
| Average earning assets | $133,633,800 | 3,636 |
| Average equity | $18,377,800 | 3,329 |
| Average total loans | $52,408,200 | 4,598 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6466% | 6,038 |
| Cost of funding earning assets | 0.3114% | 4,210 |
| Net interest margin | 2.3353% | 6,013 |
| Noninterest income to average assets | 0.2402% | 5,212 |
| Noninterest expense to average assets | 1.4010% | 6,100 |
| Loan and lease loss provision to assets | 0.1034% | 2,135 |
| Net operating income to assets | 0.6125% | 4,318 |
| Return on assets (ROA) | 0.6125% | 4,428 |
| Pretax return on assets | 0.9608% | 3,777 |
| Return on Equity (ROE) | 4.6599% | 4,772 |
| Retained earnings to average equity (ytd only) | 4.6599% | 3,154 |
| Net charge-offs to loans | 0.0570% | 2,788 |
| Credit loss provision to net charge-offs | 490.9091% | 661 |
| Earnings coverage of net charge-offs (x) | 50.5499% | 1,041 |
| Efficiency ratio | 56.8323% | 5,245 |
| Assets per employee ($millions) | 6.7045% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 3,365 |
| Loan loss allowance to noncurrent loans | 61.1712% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 1.0199% | 2,320 |
| Noncurrent loans to loans | 2.0442% | 1,127 |
| Net loans and leases to total assets | 38.0852% | 5,699 |
| Net loans and leases to deposits | 43.9485% | 5,726 |
| Net loans and leases to core deposits | 47.6128% | 5,667 |
| Total domestic deposits to total assets | 86.6586% | 2,205 |
| Equity capital to assets | 13.2142% | 1,343 |
| Core capital (leverage) ratio | 12.7596% | 1,293 |
| Tier 1 risk-based capital ratio | 30.2186% | 511 |
| Total risk-based capital ratio | 31.3215% | 513 |
| Memoranda: | ||
| Average total assets | $139,325,500 | 3,766 |
| Average earning assets | $132,744,000 | 3,682 |
| Average equity | $18,311,750 | 3,365 |
| Average total loans | $51,500,000 | 4,672 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6163% | 6,111 |
| Cost of funding earning assets | 0.3045% | 4,350 |
| Net interest margin | 2.3118% | 6,093 |
| Noninterest income to average assets | 0.2435% | 5,218 |
| Noninterest expense to average assets | 1.2864% | 6,229 |
| Loan and lease loss provision to assets | 0.1037% | 2,093 |
| Net operating income to assets | 0.6915% | 3,933 |
| Return on assets (ROA) | 0.6915% | 4,042 |
| Pretax return on assets | 1.0516% | 3,376 |
| Return on Equity (ROE) | 5.2707% | 4,504 |
| Retained earnings to average equity (ytd only) | 5.2707% | 2,697 |
| Net charge-offs to loans | 0.0870% | 2,167 |
| Credit loss provision to net charge-offs | 327.2727% | 877 |
| Earnings coverage of net charge-offs (x) | 36.4545% | 1,197 |
| Efficiency ratio | 52.6844% | 5,671 |
| Assets per employee ($millions) | 6.6592% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2662% | 3,420 |
| Loan loss allowance to noncurrent loans | 63.6634% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 1.1434% | 2,220 |
| Noncurrent loans to loans | 1.9889% | 1,233 |
| Net loans and leases to total assets | 35.8531% | 5,826 |
| Net loans and leases to deposits | 41.3601% | 5,862 |
| Net loans and leases to core deposits | 44.8277% | 5,812 |
| Total domestic deposits to total assets | 86.6851% | 2,323 |
| Equity capital to assets | 13.1891% | 1,303 |
| Core capital (leverage) ratio | 13.1231% | 1,124 |
| Tier 1 risk-based capital ratio | 31.2504% | 486 |
| Total risk-based capital ratio | 32.3399% | 486 |
| Memoranda: | ||
| Average total assets | $138,835,670 | 3,801 |
| Average earning assets | $132,018,330 | 3,722 |
| Average equity | $18,214,000 | 3,394 |
| Average total loans | $50,566,330 | 4,736 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7195% | 6,120 |
| Cost of funding earning assets | 0.3046% | 4,393 |
| Net interest margin | 2.4149% | 6,087 |
| Noninterest income to average assets | 0.2082% | 5,465 |
| Noninterest expense to average assets | 1.2289% | 6,314 |
| Loan and lease loss provision to assets | 0.1041% | 1,969 |
| Net operating income to assets | 0.7807% | 3,358 |
| Return on assets (ROA) | 0.7807% | 3,489 |
| Pretax return on assets | 1.1451% | 2,883 |
| Return on Equity (ROE) | 5.9672% | 4,055 |
| Retained earnings to average equity (ytd only) | 5.9672% | 2,522 |
| Net charge-offs to loans | 0.0079% | 3,059 |
| Credit loss provision to net charge-offs | 3,600.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 432.0000% | 123 |
| Efficiency ratio | 49.5916% | 5,936 |
| Assets per employee ($millions) | 6.6814% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 3,692 |
| Loan loss allowance to noncurrent loans | 54.6087% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 1.3164% | 2,020 |
| Noncurrent loans to loans | 2.2874% | 1,084 |
| Net loans and leases to total assets | 35.3848% | 5,855 |
| Net loans and leases to deposits | 40.7171% | 5,888 |
| Net loans and leases to core deposits | 44.3112% | 5,833 |
| Total domestic deposits to total assets | 86.9039% | 2,425 |
| Equity capital to assets | 12.9956% | 1,408 |
| Core capital (leverage) ratio | 12.8545% | 1,213 |
| Tier 1 risk-based capital ratio | 19.3550% | 1,777 |
| Total risk-based capital ratio | 20.0217% | 1,887 |
| Memoranda: | ||
| Average total assets | $138,332,000 | 3,835 |
| Average earning assets | $130,024,000 | 3,778 |
| Average equity | $18,099,000 | 3,431 |
| Average total loans | $50,459,000 | 4,770 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6267% | 6,293 |
| Cost of funding earning assets | 0.3292% | 4,501 |
| Net interest margin | 2.2975% | 6,269 |
| Noninterest income to average assets | 0.2391% | 5,419 |
| Noninterest expense to average assets | 1.3930% | 6,356 |
| Loan and lease loss provision to assets | 0.0891% | 2,689 |
| Net operating income to assets | 0.7099% | 3,837 |
| Return on assets (ROA) | 0.7099% | 3,955 |
| Pretax return on assets | 0.9178% | 3,839 |
| Return on Equity (ROE) | 5.4064% | 4,456 |
| Retained earnings to average equity (ytd only) | -0.2488% | 5,810 |
| Net charge-offs to loans | 0.6714% | 568 |
| Credit loss provision to net charge-offs | 35.3982% | 3,758 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,763 |
| Efficiency ratio | 58.0446% | 5,452 |
| Assets per employee ($millions) | 6.1980% | 1,250 |
| Cash dividends to net income (ytd only)* | 104.6025% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 4,163 |
| Loan loss allowance to noncurrent loans | 32.3513% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 1.8841% | 1,368 |
| Noncurrent loans to loans | 3.6195% | 550 |
| Net loans and leases to total assets | 36.7049% | 5,914 |
| Net loans and leases to deposits | 42.3204% | 5,959 |
| Net loans and leases to core deposits | 46.3125% | 5,877 |
| Total domestic deposits to total assets | 86.7310% | 2,434 |
| Equity capital to assets | 13.1744% | 1,282 |
| Core capital (leverage) ratio | 13.6589% | 915 |
| Tier 1 risk-based capital ratio | 30.8194% | 482 |
| Total risk-based capital ratio | 31.8367% | 478 |
| Memoranda: | ||
| Average total assets | $134,672,800 | 3,890 |
| Average earning assets | $126,660,600 | 3,828 |
| Average equity | $17,682,600 | 3,431 |
| Average total loans | $50,490,400 | 4,803 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6422% | 6,359 |
| Cost of funding earning assets | 0.3358% | 4,514 |
| Net interest margin | 2.3064% | 6,338 |
| Noninterest income to average assets | 0.2513% | 5,421 |
| Noninterest expense to average assets | 1.3169% | 6,449 |
| Loan and lease loss provision to assets | 0.0894% | 2,569 |
| Net operating income to assets | 0.6962% | 3,957 |
| Return on assets (ROA) | 0.6962% | 4,053 |
| Pretax return on assets | 1.0279% | 3,476 |
| Return on Equity (ROE) | 5.3068% | 4,572 |
| Retained earnings to average equity (ytd only) | -2.2635% | 6,095 |
| Net charge-offs to loans | 0.8298% | 402 |
| Credit loss provision to net charge-offs | 28.6624% | 3,473 |
| Earnings coverage of net charge-offs (x) | 3.5828% | 3,632 |
| Efficiency ratio | 54.1004% | 5,814 |
| Assets per employee ($millions) | 6.0180% | 1,325 |
| Cash dividends to net income (ytd only)* | 142.6539% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 4,146 |
| Loan loss allowance to noncurrent loans | 27.5797% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 2.0749% | 1,360 |
| Noncurrent loans to loans | 4.4082% | 452 |
| Net loans and leases to total assets | 36.0860% | 6,026 |
| Net loans and leases to deposits | 42.0375% | 6,050 |
| Net loans and leases to core deposits | 46.2542% | 5,948 |
| Total domestic deposits to total assets | 85.8424% | 2,936 |
| Equity capital to assets | 13.3759% | 1,247 |
| Core capital (leverage) ratio | 12.9599% | 1,196 |
| Tier 1 risk-based capital ratio | 31.7496% | 450 |
| Total risk-based capital ratio | 32.8038% | 447 |
| Memoranda: | ||
| Average total assets | $134,252,250 | 3,935 |
| Average earning assets | $127,062,250 | 3,850 |
| Average equity | $17,612,250 | 3,460 |
| Average total loans | $50,452,500 | 4,849 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6302% | 6,431 |
| Cost of funding earning assets | 0.3394% | 4,543 |
| Net interest margin | 2.2908% | 6,413 |
| Noninterest income to average assets | 0.2743% | 5,235 |
| Noninterest expense to average assets | 1.3361% | 6,509 |
| Loan and lease loss provision to assets | 0.0890% | 2,543 |
| Net operating income to assets | 0.6806% | 3,940 |
| Return on assets (ROA) | 0.6806% | 4,038 |
| Pretax return on assets | 1.0113% | 3,437 |
| Return on Equity (ROE) | 5.2218% | 4,572 |
| Retained earnings to average equity (ytd only) | -6.1547% | 6,302 |
| Net charge-offs to loans | 0.8290% | 453 |
| Credit loss provision to net charge-offs | 28.3019% | 3,081 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 3,288 |
| Efficiency ratio | 54.8387% | 5,843 |
| Assets per employee ($millions) | 5.8867% | 1,361 |
| Cash dividends to net income (ytd only)* | 217.8649% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 3,704 |
| Loan loss allowance to noncurrent loans | 25.8216% | 5,881 |
| Noncurrent assets plus other real estate owned to assets | 2.5111% | 1,131 |
| Noncurrent loans to loans | 5.1448% | 372 |
| Net loans and leases to total assets | 37.8520% | 5,968 |
| Net loans and leases to deposits | 43.8192% | 5,994 |
| Net loans and leases to core deposits | 48.2842% | 5,889 |
| Total domestic deposits to total assets | 86.3822% | 2,830 |
| Equity capital to assets | 13.4873% | 1,160 |
| Core capital (leverage) ratio | 13.0784% | 1,129 |
| Tier 1 risk-based capital ratio | 31.1794% | 477 |
| Total risk-based capital ratio | 32.3575% | 476 |
| Memoranda: | ||
| Average total assets | $134,871,330 | 3,942 |
| Average earning assets | $127,291,000 | 3,868 |
| Average equity | $17,580,000 | 3,467 |
| Average total loans | $51,148,670 | 4,853 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6011% | 6,518 |
| Cost of funding earning assets | 0.3363% | 4,683 |
| Net interest margin | 2.2648% | 6,495 |
| Noninterest income to average assets | 0.3199% | 4,811 |
| Noninterest expense to average assets | 1.2795% | 6,606 |
| Loan and lease loss provision to assets | 0.0872% | 2,464 |
| Net operating income to assets | 0.7473% | 3,435 |
| Return on assets (ROA) | 0.7473% | 3,518 |
| Pretax return on assets | 1.0876% | 2,965 |
| Return on Equity (ROE) | 5.8288% | 4,115 |
| Retained earnings to average equity (ytd only) | -16.8514% | 6,495 |
| Net charge-offs to loans | 0.4857% | 757 |
| Credit loss provision to net charge-offs | 47.6190% | 2,230 |
| Earnings coverage of net charge-offs (x) | 6.4127% | 2,223 |
| Efficiency ratio | 52.1327% | 6,129 |
| Assets per employee ($millions) | 6.2282% | 1,163 |
| Cash dividends to net income (ytd only)* | 389.1051% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5346% | 2,997 |
| Loan loss allowance to noncurrent loans | 43.5926% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 1.9559% | 1,753 |
| Noncurrent loans to loans | 3.5203% | 823 |
| Net loans and leases to total assets | 36.4793% | 6,044 |
| Net loans and leases to deposits | 41.8262% | 6,084 |
| Net loans and leases to core deposits | 45.8969% | 5,997 |
| Total domestic deposits to total assets | 87.2165% | 2,689 |
| Equity capital to assets | 12.6004% | 1,525 |
| Core capital (leverage) ratio | 12.4407% | 1,410 |
| Tier 1 risk-based capital ratio | 29.6120% | 542 |
| Total risk-based capital ratio | 30.8624% | 535 |
| Memoranda: | ||
| Average total assets | $137,553,500 | 3,933 |
| Average earning assets | $129,635,000 | 3,845 |
| Average equity | $17,636,500 | 3,462 |
| Average total loans | $51,882,500 | 4,871 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8990% | 6,424 |
| Cost of funding earning assets | 0.3674% | 4,984 |
| Net interest margin | 2.5316% | 6,345 |
| Noninterest income to average assets | 0.2248% | 5,728 |
| Noninterest expense to average assets | 1.3465% | 6,659 |
| Loan and lease loss provision to assets | 0.0908% | 3,294 |
| Net operating income to assets | 0.8175% | 3,203 |
| Return on assets (ROA) | 0.8175% | 3,300 |
| Pretax return on assets | 1.1762% | 2,667 |
| Return on Equity (ROE) | 5.8994% | 4,146 |
| Retained earnings to average equity (ytd only) | 0.4370% | 5,651 |
| Net charge-offs to loans | 0.0664% | 4,283 |
| Credit loss provision to net charge-offs | 333.3333% | 683 |
| Earnings coverage of net charge-offs (x) | 46.5000% | 840 |
| Efficiency ratio | 51.5204% | 6,336 |
| Assets per employee ($millions) | 6.2767% | 1,100 |
| Cash dividends to net income (ytd only)* | 92.5926% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5320% | 3,044 |
| Loan loss allowance to noncurrent loans | 44.1304% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 1.7540% | 2,113 |
| Noncurrent loans to loans | 3.4716% | 911 |
| Net loans and leases to total assets | 37.7950% | 6,110 |
| Net loans and leases to deposits | 43.8929% | 6,129 |
| Net loans and leases to core deposits | 48.0606% | 6,028 |
| Total domestic deposits to total assets | 86.1073% | 3,199 |
| Equity capital to assets | 13.0411% | 1,258 |
| Core capital (leverage) ratio | 13.7488% | 890 |
| Tier 1 risk-based capital ratio | 30.1485% | 491 |
| Total risk-based capital ratio | 31.3991% | 489 |
| Memoranda: | ||
| Average total assets | $132,116,000 | 4,033 |
| Average earning assets | $124,665,800 | 3,959 |
| Average equity | $18,307,000 | 3,369 |
| Average total loans | $54,238,600 | 4,806 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9220% | 6,478 |
| Cost of funding earning assets | 0.3751% | 5,049 |
| Net interest margin | 2.5468% | 6,384 |
| Noninterest income to average assets | 0.2480% | 5,658 |
| Noninterest expense to average assets | 1.3116% | 6,735 |
| Loan and lease loss provision to assets | 0.0919% | 3,236 |
| Net operating income to assets | 0.9135% | 2,764 |
| Return on assets (ROA) | 0.9135% | 2,871 |
| Pretax return on assets | 1.2494% | 2,515 |
| Return on Equity (ROE) | 6.4918% | 3,933 |
| Retained earnings to average equity (ytd only) | 6.4918% | 2,138 |
| Net charge-offs to loans | 0.0880% | 3,693 |
| Credit loss provision to net charge-offs | 250.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 36.4992% | 1,069 |
| Efficiency ratio | 49.4421% | 6,427 |
| Assets per employee ($millions) | 6.3151% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 3,508 |
| Loan loss allowance to noncurrent loans | 49.7772% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 1.6416% | 2,504 |
| Noncurrent loans to loans | 2.9894% | 1,348 |
| Net loans and leases to total assets | 39.0380% | 6,104 |
| Net loans and leases to deposits | 46.0011% | 6,097 |
| Net loans and leases to core deposits | 49.6909% | 6,032 |
| Total domestic deposits to total assets | 84.8632% | 3,810 |
| Equity capital to assets | 14.1935% | 909 |
| Core capital (leverage) ratio | 13.9189% | 887 |
| Tier 1 risk-based capital ratio | 32.6103% | 416 |
| Total risk-based capital ratio | 33.8612% | 410 |
| Memoranda: | ||
| Average total assets | $130,623,250 | 4,096 |
| Average earning assets | $123,339,000 | 4,023 |
| Average equity | $18,381,750 | 3,391 |
| Average total loans | $54,547,750 | 4,836 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9482% | 6,491 |
| Cost of funding earning assets | 0.3781% | 5,160 |
| Net interest margin | 2.5701% | 6,363 |
| Noninterest income to average assets | 0.2508% | 5,653 |
| Noninterest expense to average assets | 1.3343% | 6,768 |
| Loan and lease loss provision to assets | 0.0923% | 3,245 |
| Net operating income to assets | 0.9372% | 2,631 |
| Return on assets (ROA) | 0.9372% | 2,772 |
| Pretax return on assets | 1.2512% | 2,479 |
| Return on Equity (ROE) | 6.6796% | 3,785 |
| Retained earnings to average equity (ytd only) | 6.6796% | 2,051 |
| Net charge-offs to loans | 0.1340% | 3,033 |
| Credit loss provision to net charge-offs | 162.1622% | 1,444 |
| Earnings coverage of net charge-offs (x) | 23.5946% | 1,325 |
| Efficiency ratio | 49.8276% | 6,442 |
| Assets per employee ($millions) | 5.6400% | 1,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 4,214 |
| Loan loss allowance to noncurrent loans | 34.6083% | 5,860 |
| Noncurrent assets plus other real estate owned to assets | 2.3505% | 1,825 |
| Noncurrent loans to loans | 3.9283% | 1,006 |
| Net loans and leases to total assets | 42.0054% | 5,901 |
| Net loans and leases to deposits | 49.0711% | 5,916 |
| Net loans and leases to core deposits | 54.0823% | 5,749 |
| Total domestic deposits to total assets | 85.6012% | 3,581 |
| Equity capital to assets | 14.2901% | 878 |
| Core capital (leverage) ratio | 14.2319% | 768 |
| Tier 1 risk-based capital ratio | 31.3528% | 462 |
| Total risk-based capital ratio | 32.6027% | 457 |
| Memoranda: | ||
| Average total assets | $129,958,670 | 4,143 |
| Average earning assets | $122,718,670 | 4,065 |
| Average equity | $18,234,670 | 3,441 |
| Average total loans | $55,212,670 | 4,844 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9762% | 6,537 |
| Cost of funding earning assets | 0.3818% | 5,265 |
| Net interest margin | 2.5944% | 6,381 |
| Noninterest income to average assets | 0.2399% | 5,744 |
| Noninterest expense to average assets | 1.3438% | 6,852 |
| Loan and lease loss provision to assets | 0.0923% | 3,121 |
| Net operating income to assets | 0.9563% | 2,415 |
| Return on assets (ROA) | 0.9563% | 2,553 |
| Pretax return on assets | 1.2485% | 2,412 |
| Return on Equity (ROE) | 6.8792% | 3,558 |
| Retained earnings to average equity (ytd only) | 6.8792% | 2,215 |
| Net charge-offs to loans | 0.1594% | 2,449 |
| Credit loss provision to net charge-offs | 136.3636% | 1,457 |
| Earnings coverage of net charge-offs (x) | 19.8182% | 1,207 |
| Efficiency ratio | 50.0573% | 6,495 |
| Assets per employee ($millions) | 5.7418% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3731% | 4,366 |
| Loan loss allowance to noncurrent loans | 26.1829% | 6,161 |
| Noncurrent assets plus other real estate owned to assets | 2.8093% | 1,611 |
| Noncurrent loans to loans | 5.2441% | 717 |
| Net loans and leases to total assets | 40.0320% | 5,987 |
| Net loans and leases to deposits | 46.4953% | 6,025 |
| Net loans and leases to core deposits | 51.1113% | 5,887 |
| Total domestic deposits to total assets | 86.0990% | 3,474 |
| Equity capital to assets | 13.8109% | 1,087 |
| Core capital (leverage) ratio | 13.8418% | 836 |
| Tier 1 risk-based capital ratio | 31.0150% | 485 |
| Total risk-based capital ratio | 32.2649% | 478 |
| Memoranda: | ||
| Average total assets | $130,078,500 | 4,180 |
| Average earning assets | $122,572,500 | 4,108 |
| Average equity | $18,083,500 | 3,513 |
| Average total loans | $55,199,000 | 4,881 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4418% | 6,425 |
| Cost of funding earning assets | 0.5010% | 5,214 |
| Net interest margin | 2.9409% | 6,151 |
| Noninterest income to average assets | 0.3183% | 5,179 |
| Noninterest expense to average assets | 1.6770% | 6,742 |
| Loan and lease loss provision to assets | 0.1280% | 4,010 |
| Net operating income to assets | 0.9397% | 2,604 |
| Return on assets (ROA) | 0.9397% | 2,850 |
| Pretax return on assets | 1.2971% | 2,411 |
| Return on Equity (ROE) | 6.7698% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.7698% | 1,682 |
| Net charge-offs to loans | 0.3730% | 2,768 |
| Credit loss provision to net charge-offs | 71.4286% | 4,114 |
| Earnings coverage of net charge-offs (x) | 7.9554% | 2,505 |
| Efficiency ratio | 54.0603% | 6,262 |
| Assets per employee ($millions) | 5.5693% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 4,731 |
| Loan loss allowance to noncurrent loans | 36.5278% | 5,794 |
| Noncurrent assets plus other real estate owned to assets | 2.2405% | 2,189 |
| Noncurrent loans to loans | 3.5091% | 1,419 |
| Net loans and leases to total assets | 43.7699% | 5,839 |
| Net loans and leases to deposits | 50.9695% | 5,889 |
| Net loans and leases to core deposits | 56.3482% | 5,692 |
| Total domestic deposits to total assets | 85.8745% | 3,416 |
| Equity capital to assets | 13.9959% | 1,045 |
| Core capital (leverage) ratio | 14.5653% | 659 |
| Tier 1 risk-based capital ratio | 29.4675% | 535 |
| Total risk-based capital ratio | 30.6640% | 532 |
| Memoranda: | ||
| Average total assets | $125,045,600 | 4,248 |
| Average earning assets | $118,367,000 | 4,148 |
| Average equity | $17,356,400 | 3,566 |
| Average total loans | $60,052,600 | 4,711 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5243% | 6,483 |
| Cost of funding earning assets | 0.5323% | 5,228 |
| Net interest margin | 2.9920% | 6,183 |
| Noninterest income to average assets | 0.3315% | 5,153 |
| Noninterest expense to average assets | 1.6457% | 6,834 |
| Loan and lease loss provision to assets | 0.1716% | 3,413 |
| Net operating income to assets | 0.9677% | 2,668 |
| Return on assets (ROA) | 0.9677% | 2,886 |
| Pretax return on assets | 1.3603% | 2,373 |
| Return on Equity (ROE) | 6.9866% | 3,827 |
| Retained earnings to average equity (ytd only) | 6.9866% | 2,141 |
| Net charge-offs to loans | 0.4666% | 2,238 |
| Credit loss provision to net charge-offs | 75.1174% | 3,765 |
| Earnings coverage of net charge-offs (x) | 6.7043% | 2,735 |
| Efficiency ratio | 51.7893% | 6,467 |
| Assets per employee ($millions) | 5.2808% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 4,899 |
| Loan loss allowance to noncurrent loans | 76.8191% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.7561% | 2,971 |
| Noncurrent loans to loans | 1.6668% | 3,292 |
| Net loans and leases to total assets | 46.9088% | 5,670 |
| Net loans and leases to deposits | 55.2823% | 5,689 |
| Net loans and leases to core deposits | 61.2964% | 5,423 |
| Total domestic deposits to total assets | 84.8533% | 3,810 |
| Equity capital to assets | 14.5358% | 958 |
| Core capital (leverage) ratio | 13.8479% | 887 |
| Tier 1 risk-based capital ratio | 30.0669% | 533 |
| Total risk-based capital ratio | 31.3170% | 520 |
| Memoranda: | ||
| Average total assets | $124,283,250 | 4,305 |
| Average earning assets | $118,223,250 | 4,195 |
| Average equity | $17,213,500 | 3,621 |
| Average total loans | $60,867,000 | 4,729 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5414% | 6,557 |
| Cost of funding earning assets | 0.5703% | 5,148 |
| Net interest margin | 2.9711% | 6,292 |
| Noninterest income to average assets | 0.3338% | 5,159 |
| Noninterest expense to average assets | 1.5812% | 6,948 |
| Loan and lease loss provision to assets | 0.1917% | 3,175 |
| Net operating income to assets | 0.9902% | 2,510 |
| Return on assets (ROA) | 0.9902% | 2,739 |
| Pretax return on assets | 1.3815% | 2,277 |
| Return on Equity (ROE) | 7.2658% | 3,634 |
| Retained earnings to average equity (ytd only) | 7.2658% | 1,970 |
| Net charge-offs to loans | 0.3069% | 2,803 |
| Credit loss provision to net charge-offs | 126.3158% | 2,172 |
| Earnings coverage of net charge-offs (x) | 10.3684% | 2,057 |
| Efficiency ratio | 50.1266% | 6,638 |
| Assets per employee ($millions) | 5.3552% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3350% | 4,724 |
| Loan loss allowance to noncurrent loans | 55.5027% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 2.1872% | 2,548 |
| Noncurrent loans to loans | 2.4053% | 2,500 |
| Net loans and leases to total assets | 49.0237% | 5,480 |
| Net loans and leases to deposits | 57.9549% | 5,457 |
| Net loans and leases to core deposits | 64.2157% | 5,194 |
| Total domestic deposits to total assets | 84.5895% | 4,056 |
| Equity capital to assets | 14.1050% | 1,049 |
| Core capital (leverage) ratio | 13.8425% | 851 |
| Tier 1 risk-based capital ratio | 27.3789% | 693 |
| Total risk-based capital ratio | 28.6286% | 677 |
| Memoranda: | ||
| Average total assets | $125,224,670 | 4,311 |
| Average earning assets | $118,878,670 | 4,204 |
| Average equity | $17,066,330 | 3,633 |
| Average total loans | $61,918,000 | 4,714 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5916% | 6,585 |
| Cost of funding earning assets | 0.6237% | 4,940 |
| Net interest margin | 2.9678% | 6,363 |
| Noninterest income to average assets | 0.2946% | 5,513 |
| Noninterest expense to average assets | 1.5113% | 7,052 |
| Loan and lease loss provision to assets | 0.1901% | 3,052 |
| Net operating income to assets | 1.0138% | 2,423 |
| Return on assets (ROA) | 1.0138% | 2,616 |
| Pretax return on assets | 1.3972% | 2,199 |
| Return on Equity (ROE) | 7.5681% | 3,466 |
| Retained earnings to average equity (ytd only) | 7.5681% | 2,143 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7730% | 6,749 |
| Assets per employee ($millions) | 5.5911% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4318% | 4,462 |
| Loan loss allowance to noncurrent loans | 37.6824% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 2.4208% | 2,444 |
| Noncurrent loans to loans | 3.7996% | 1,627 |
| Net loans and leases to total assets | 45.6122% | 5,830 |
| Net loans and leases to deposits | 52.6682% | 5,929 |
| Net loans and leases to core deposits | 58.1105% | 5,705 |
| Total domestic deposits to total assets | 86.6029% | 3,173 |
| Equity capital to assets | 13.2766% | 1,330 |
| Core capital (leverage) ratio | 13.4893% | 958 |
| Tier 1 risk-based capital ratio | 25.5076% | 853 |
| Total risk-based capital ratio | 26.7581% | 831 |
| Memoranda: | ||
| Average total assets | $126,252,500 | 4,319 |
| Average earning assets | $119,279,000 | 4,219 |
| Average equity | $16,913,000 | 3,664 |
| Average total loans | $62,277,500 | 4,725 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9648% | 6,518 |
| Cost of funding earning assets | 0.8023% | 4,849 |
| Net interest margin | 3.1625% | 6,186 |
| Noninterest income to average assets | 0.3611% | 4,931 |
| Noninterest expense to average assets | 1.6963% | 7,057 |
| Loan and lease loss provision to assets | 0.1652% | 4,567 |
| Net operating income to assets | 1.1080% | 1,799 |
| Return on assets (ROA) | 1.1080% | 1,917 |
| Pretax return on assets | 1.4666% | 1,570 |
| Return on Equity (ROE) | 7.4570% | 3,170 |
| Retained earnings to average equity (ytd only) | -8.9028% | 6,666 |
| Net charge-offs to loans | 0.1877% | 4,647 |
| Credit loss provision to net charge-offs | 170.9402% | 1,568 |
| Earnings coverage of net charge-offs (x) | 16.8803% | 1,300 |
| Efficiency ratio | 50.9682% | 6,778 |
| Assets per employee ($millions) | 5.3874% | 1,749 |
| Cash dividends to net income (ytd only)* | 219.3885% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 5,308 |
| Loan loss allowance to noncurrent loans | 37.7682% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 2.4324% | 2,503 |
| Noncurrent loans to loans | 3.2238% | 2,005 |
| Net loans and leases to total assets | 51.8570% | 5,334 |
| Net loans and leases to deposits | 62.2901% | 5,201 |
| Net loans and leases to core deposits | 69.2615% | 4,875 |
| Total domestic deposits to total assets | 83.2507% | 4,645 |
| Equity capital to assets | 13.5203% | 1,254 |
| Core capital (leverage) ratio | 13.7895% | 874 |
| Tier 1 risk-based capital ratio | 24.7251% | 899 |
| Total risk-based capital ratio | 25.8940% | 896 |
| Memoranda: | ||
| Average total assets | $121,029,800 | 4,371 |
| Average earning assets | $113,548,600 | 4,291 |
| Average equity | $17,983,200 | 3,425 |
| Average total loans | $62,348,200 | 4,781 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0067% | 6,577 |
| Cost of funding earning assets | 0.8358% | 4,892 |
| Net interest margin | 3.1709% | 6,230 |
| Noninterest income to average assets | 0.3690% | 4,919 |
| Noninterest expense to average assets | 1.6169% | 7,163 |
| Loan and lease loss provision to assets | 0.1551% | 4,524 |
| Net operating income to assets | 1.1470% | 1,824 |
| Return on assets (ROA) | 1.1470% | 1,939 |
| Pretax return on assets | 1.5737% | 1,452 |
| Return on Equity (ROE) | 7.5446% | 3,251 |
| Retained earnings to average equity (ytd only) | -1.0278% | 6,159 |
| Net charge-offs to loans | 0.2119% | 4,109 |
| Credit loss provision to net charge-offs | 142.8571% | 2,224 |
| Earnings coverage of net charge-offs (x) | 15.9188% | 1,431 |
| Efficiency ratio | 48.3273% | 6,942 |
| Assets per employee ($millions) | 5.1811% | 1,955 |
| Cash dividends to net income (ytd only)* | 113.6228% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 5,367 |
| Loan loss allowance to noncurrent loans | 28.3932% | 6,340 |
| Noncurrent assets plus other real estate owned to assets | 2.9732% | 2,160 |
| Noncurrent loans to loans | 4.3174% | 1,519 |
| Net loans and leases to total assets | 50.7809% | 5,608 |
| Net loans and leases to deposits | 60.0435% | 5,623 |
| Net loans and leases to core deposits | 66.9059% | 5,322 |
| Total domestic deposits to total assets | 84.5735% | 3,980 |
| Equity capital to assets | 15.2839% | 774 |
| Core capital (leverage) ratio | 14.7113% | 725 |
| Tier 1 risk-based capital ratio | 28.5748% | 615 |
| Total risk-based capital ratio | 29.7531% | 613 |
| Memoranda: | ||
| Average total assets | $120,309,750 | 4,418 |
| Average earning assets | $112,940,750 | 4,329 |
| Average equity | $18,290,750 | 3,393 |
| Average total loans | $61,673,250 | 4,843 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8280% | 6,890 |
| Cost of funding earning assets | 0.8462% | 5,087 |
| Net interest margin | 2.9818% | 6,641 |
| Noninterest income to average assets | 0.4093% | 4,605 |
| Noninterest expense to average assets | 1.6008% | 7,252 |
| Loan and lease loss provision to assets | 0.1326% | 4,640 |
| Net operating income to assets | 1.1152% | 1,828 |
| Return on assets (ROA) | 1.1152% | 1,914 |
| Pretax return on assets | 1.5196% | 1,471 |
| Return on Equity (ROE) | 7.3485% | 3,269 |
| Retained earnings to average equity (ytd only) | -5.4923% | 6,606 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2104% | 6,991 |
| Assets per employee ($millions) | 5.2512% | 1,820 |
| Cash dividends to net income (ytd only)* | 174.7400% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 5,249 |
| Loan loss allowance to noncurrent loans | 35.2075% | 5,960 |
| Noncurrent assets plus other real estate owned to assets | 2.7116% | 2,466 |
| Noncurrent loans to loans | 3.5844% | 1,970 |
| Net loans and leases to total assets | 51.1120% | 5,680 |
| Net loans and leases to deposits | 61.6568% | 5,542 |
| Net loans and leases to core deposits | 66.6883% | 5,422 |
| Total domestic deposits to total assets | 82.8975% | 4,798 |
| Equity capital to assets | 14.7800% | 872 |
| Core capital (leverage) ratio | 14.7027% | 727 |
| Tier 1 risk-based capital ratio | 27.4800% | 696 |
| Total risk-based capital ratio | 28.6946% | 687 |
| Memoranda: | ||
| Average total assets | $120,691,330 | 4,431 |
| Average earning assets | $115,098,000 | 4,302 |
| Average equity | $18,316,670 | 3,367 |
| Average total loans | $61,809,670 | 4,876 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8414% | 6,899 |
| Cost of funding earning assets | 0.8792% | 5,068 |
| Net interest margin | 2.9622% | 6,653 |
| Noninterest income to average assets | 0.4343% | 4,418 |
| Noninterest expense to average assets | 1.5980% | 7,307 |
| Loan and lease loss provision to assets | 0.0995% | 4,764 |
| Net operating income to assets | 1.2930% | 1,285 |
| Return on assets (ROA) | 1.2930% | 1,330 |
| Pretax return on assets | 1.5516% | 1,294 |
| Return on Equity (ROE) | 8.4099% | 2,736 |
| Retained earnings to average equity (ytd only) | 8.4099% | 1,583 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1837% | 7,050 |
| Assets per employee ($millions) | 5.3336% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 5,397 |
| Loan loss allowance to noncurrent loans | 56.3262% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 1.9703% | 3,353 |
| Noncurrent loans to loans | 2.2181% | 3,298 |
| Net loans and leases to total assets | 47.6144% | 6,122 |
| Net loans and leases to deposits | 56.2863% | 6,104 |
| Net loans and leases to core deposits | 61.9879% | 5,925 |
| Total domestic deposits to total assets | 84.5932% | 4,225 |
| Equity capital to assets | 15.2796% | 708 |
| Core capital (leverage) ratio | 15.2939% | 608 |
| Tier 1 risk-based capital ratio | 28.9577% | 580 |
| Total risk-based capital ratio | 30.0993% | 572 |
| Memoranda: | ||
| Average total assets | $120,648,000 | 4,459 |
| Average earning assets | $114,646,000 | 4,335 |
| Average equity | $18,549,500 | 3,316 |
| Average total loans | $61,454,000 | 4,934 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3707% | 6,671 |
| Cost of funding earning assets | 1.0359% | 5,510 |
| Net interest margin | 3.3348% | 5,856 |
| Noninterest income to average assets | 0.3978% | 4,926 |
| Noninterest expense to average assets | 1.5901% | 7,413 |
| Loan and lease loss provision to assets | 0.1697% | 5,526 |
| Net operating income to assets | 1.3003% | 1,175 |
| Return on assets (ROA) | 1.3003% | 1,230 |
| Pretax return on assets | 1.7955% | 765 |
| Return on Equity (ROE) | 8.4806% | 2,506 |
| Retained earnings to average equity (ytd only) | 8.4806% | 845 |
| Net charge-offs to loans | 0.2082% | 5,045 |
| Credit loss provision to net charge-offs | 148.8550% | 2,443 |
| Earnings coverage of net charge-offs (x) | 17.2366% | 1,165 |
| Efficiency ratio | 44.7246% | 7,392 |
| Assets per employee ($millions) | 5.1575% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 5,914 |
| Loan loss allowance to noncurrent loans | 63.3036% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.9018% | 3,474 |
| Noncurrent loans to loans | 1.7566% | 3,871 |
| Net loans and leases to total assets | 53.1516% | 5,762 |
| Net loans and leases to deposits | 63.0235% | 5,740 |
| Net loans and leases to core deposits | 69.8305% | 5,458 |
| Total domestic deposits to total assets | 84.3361% | 4,208 |
| Equity capital to assets | 15.4734% | 686 |
| Core capital (leverage) ratio | 16.0506% | 505 |
| Tier 1 risk-based capital ratio | 28.2985% | 585 |
| Total risk-based capital ratio | 29.3916% | 579 |
| Memoranda: | ||
| Average total assets | $114,895,200 | 4,595 |
| Average earning assets | $108,793,600 | 4,491 |
| Average equity | $17,616,600 | 3,489 |
| Average total loans | $62,929,200 | 4,955 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5129% | 6,577 |
| Cost of funding earning assets | 1.0744% | 5,574 |
| Net interest margin | 3.4385% | 5,538 |
| Noninterest income to average assets | 0.4223% | 4,783 |
| Noninterest expense to average assets | 1.4297% | 7,583 |
| Loan and lease loss provision to assets | 0.1579% | 5,465 |
| Net operating income to assets | 1.3817% | 1,144 |
| Return on assets (ROA) | 1.3817% | 1,226 |
| Pretax return on assets | 2.0848% | 524 |
| Return on Equity (ROE) | 9.0330% | 2,479 |
| Retained earnings to average equity (ytd only) | 9.0330% | 1,047 |
| Net charge-offs to loans | 0.1169% | 5,376 |
| Credit loss provision to net charge-offs | 245.4545% | 1,363 |
| Earnings coverage of net charge-offs (x) | 34.8553% | 773 |
| Efficiency ratio | 38.9296% | 7,601 |
| Assets per employee ($millions) | 5.1228% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 5,451 |
| Loan loss allowance to noncurrent loans | 41.8350% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 2.5333% | 2,833 |
| Noncurrent loans to loans | 2.8903% | 2,762 |
| Net loans and leases to total assets | 52.5585% | 6,032 |
| Net loans and leases to deposits | 62.8397% | 6,041 |
| Net loans and leases to core deposits | 70.6942% | 5,682 |
| Total domestic deposits to total assets | 83.6390% | 4,302 |
| Equity capital to assets | 16.0078% | 670 |
| Core capital (leverage) ratio | 15.3964% | 648 |
| Tier 1 risk-based capital ratio | 30.1266% | 503 |
| Total risk-based capital ratio | 31.3373% | 496 |
| Memoranda: | ||
| Average total assets | $113,963,250 | 4,674 |
| Average earning assets | $107,718,000 | 4,577 |
| Average equity | $17,432,000 | 3,570 |
| Average total loans | $62,721,750 | 5,042 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4440% | 6,816 |
| Cost of funding earning assets | 1.0939% | 5,707 |
| Net interest margin | 3.3501% | 5,836 |
| Noninterest income to average assets | 0.4459% | 4,558 |
| Noninterest expense to average assets | 1.4443% | 7,641 |
| Loan and lease loss provision to assets | 0.1574% | 5,319 |
| Net operating income to assets | 1.3009% | 1,302 |
| Return on assets (ROA) | 1.3009% | 1,367 |
| Pretax return on assets | 2.0090% | 595 |
| Return on Equity (ROE) | 8.6366% | 2,605 |
| Retained earnings to average equity (ytd only) | 8.6366% | 1,217 |
| Net charge-offs to loans | 0.0786% | 5,350 |
| Credit loss provision to net charge-offs | 360.0000% | 1,019 |
| Earnings coverage of net charge-offs (x) | 49.5600% | 597 |
| Efficiency ratio | 40.0000% | 7,644 |
| Assets per employee ($millions) | 5.2450% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 5,778 |
| Loan loss allowance to noncurrent loans | 75.4516% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 1.8147% | 3,738 |
| Noncurrent loans to loans | 1.5020% | 4,454 |
| Net loans and leases to total assets | 53.6771% | 6,025 |
| Net loans and leases to deposits | 63.4897% | 6,089 |
| Net loans and leases to core deposits | 71.0885% | 5,760 |
| Total domestic deposits to total assets | 84.5446% | 3,847 |
| Equity capital to assets | 15.2561% | 828 |
| Core capital (leverage) ratio | 15.6316% | 617 |
| Tier 1 risk-based capital ratio | 28.1407% | 616 |
| Total risk-based capital ratio | 29.2757% | 612 |
| Memoranda: | ||
| Average total assets | $114,384,000 | 4,691 |
| Average earning assets | $108,055,000 | 4,607 |
| Average equity | $17,229,000 | 3,600 |
| Average total loans | $63,642,670 | 5,028 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4253% | 6,951 |
| Cost of funding earning assets | 1.1360% | 5,727 |
| Net interest margin | 3.2893% | 6,013 |
| Noninterest income to average assets | 0.4355% | 4,602 |
| Noninterest expense to average assets | 1.4225% | 7,751 |
| Loan and lease loss provision to assets | 0.1581% | 4,954 |
| Net operating income to assets | 1.2750% | 1,348 |
| Return on assets (ROA) | 1.2750% | 1,420 |
| Pretax return on assets | 1.9670% | 642 |
| Return on Equity (ROE) | 8.5204% | 2,658 |
| Retained earnings to average equity (ytd only) | 8.5204% | 1,528 |
| Net charge-offs to loans | 0.1559% | 3,991 |
| Credit loss provision to net charge-offs | 180.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 24.2000% | 1,029 |
| Efficiency ratio | 40.0990% | 7,733 |
| Assets per employee ($millions) | 5.0559% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1041% | 5,989 |
| Loan loss allowance to noncurrent loans | 55.4629% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 1.7324% | 3,878 |
| Noncurrent loans to loans | 1.9907% | 3,800 |
| Net loans and leases to total assets | 53.5503% | 6,083 |
| Net loans and leases to deposits | 63.4544% | 6,115 |
| Net loans and leases to core deposits | 69.2854% | 5,976 |
| Total domestic deposits to total assets | 84.3918% | 3,957 |
| Equity capital to assets | 15.4841% | 769 |
| Core capital (leverage) ratio | 15.2097% | 708 |
| Tier 1 risk-based capital ratio | 29.5122% | 549 |
| Total risk-based capital ratio | 30.6517% | 539 |
| Memoranda: | ||
| Average total assets | $113,881,000 | 4,771 |
| Average earning assets | $107,743,000 | 4,662 |
| Average equity | $17,041,500 | 3,647 |
| Average total loans | $64,140,000 | 5,078 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8282% | 6,888 |
| Cost of funding earning assets | 1.4146% | 5,870 |
| Net interest margin | 3.4135% | 5,318 |
| Noninterest income to average assets | 0.3938% | 5,253 |
| Noninterest expense to average assets | 1.5976% | 7,771 |
| Loan and lease loss provision to assets | 0.4402% | 4,190 |
| Net operating income to assets | 1.0778% | 1,573 |
| Return on assets (ROA) | 1.0778% | 1,624 |
| Pretax return on assets | 1.5559% | 1,064 |
| Return on Equity (ROE) | 7.1477% | 2,738 |
| Retained earnings to average equity (ytd only) | 7.1477% | 922 |
| Net charge-offs to loans | 0.6674% | 3,184 |
| Credit loss provision to net charge-offs | 112.5592% | 4,876 |
| Earnings coverage of net charge-offs (x) | 5.1043% | 2,685 |
| Efficiency ratio | 44.4559% | 7,765 |
| Assets per employee ($millions) | 5.2969% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 6,645 |
| Loan loss allowance to noncurrent loans | 39.2097% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 1.5112% | 4,114 |
| Noncurrent loans to loans | 2.4173% | 3,139 |
| Net loans and leases to total assets | 57.8433% | 5,683 |
| Net loans and leases to deposits | 70.4222% | 5,551 |
| Net loans and leases to core deposits | 82.0074% | 5,906 |
| Total domestic deposits to total assets | 82.1380% | 4,887 |
| Equity capital to assets | 14.4681% | 1,033 |
| Core capital (leverage) ratio | 15.5682% | 684 |
| Tier 1 risk-based capital ratio | 24.4160% | 911 |
| Total risk-based capital ratio | 25.3501% | 915 |
| Memoranda: | ||
| Average total assets | $107,909,800 | 4,880 |
| Average earning assets | $101,155,800 | 4,804 |
| Average equity | $16,271,000 | 3,827 |
| Average total loans | $63,226,200 | 5,126 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8332% | 7,038 |
| Cost of funding earning assets | 1.4884% | 5,868 |
| Net interest margin | 3.3448% | 5,465 |
| Noninterest income to average assets | 0.3997% | 5,289 |
| Noninterest expense to average assets | 1.6138% | 7,824 |
| Loan and lease loss provision to assets | 0.4224% | 3,793 |
| Net operating income to assets | 0.9796% | 2,130 |
| Return on assets (ROA) | 0.9796% | 2,188 |
| Pretax return on assets | 1.5028% | 1,407 |
| Return on Equity (ROE) | 6.4251% | 3,336 |
| Retained earnings to average equity (ytd only) | 6.4251% | 1,748 |
| Net charge-offs to loans | 0.6084% | 2,852 |
| Credit loss provision to net charge-offs | 118.3746% | 4,287 |
| Earnings coverage of net charge-offs (x) | 5.3958% | 2,833 |
| Efficiency ratio | 45.6003% | 7,786 |
| Assets per employee ($millions) | 4.8280% | 2,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 6,047 |
| Loan loss allowance to noncurrent loans | 36.9266% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 1.7700% | 3,706 |
| Noncurrent loans to loans | 2.8241% | 2,683 |
| Net loans and leases to total assets | 57.5346% | 5,963 |
| Net loans and leases to deposits | 68.3125% | 6,106 |
| Net loans and leases to core deposits | 80.5098% | 6,305 |
| Total domestic deposits to total assets | 84.2227% | 3,613 |
| Equity capital to assets | 15.5099% | 887 |
| Core capital (leverage) ratio | 15.3862% | 792 |
| Tier 1 risk-based capital ratio | 27.4809% | 712 |
| Total risk-based capital ratio | 28.5552% | 708 |
| Memoranda: | ||
| Average total assets | $105,754,250 | 4,961 |
| Average earning assets | $99,256,250 | 4,882 |
| Average equity | $16,123,750 | 3,882 |
| Average total loans | $62,020,000 | 5,212 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7616% | 7,290 |
| Cost of funding earning assets | 1.5277% | 6,028 |
| Net interest margin | 3.2339% | 5,789 |
| Noninterest income to average assets | 0.3977% | 5,313 |
| Noninterest expense to average assets | 1.5966% | 7,915 |
| Loan and lease loss provision to assets | 0.0758% | 6,432 |
| Net operating income to assets | 1.1288% | 1,670 |
| Return on assets (ROA) | 1.1288% | 1,752 |
| Pretax return on assets | 1.7803% | 877 |
| Return on Equity (ROE) | 7.4467% | 3,011 |
| Retained earnings to average equity (ytd only) | 7.4467% | 1,414 |
| Net charge-offs to loans | 0.0290% | 6,065 |
| Credit loss provision to net charge-offs | 444.4444% | 1,048 |
| Earnings coverage of net charge-offs (x) | 108.8889% | 353 |
| Efficiency ratio | 46.2425% | 7,841 |
| Assets per employee ($millions) | 4.8165% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0096% | 6,160 |
| Loan loss allowance to noncurrent loans | 29.1530% | 6,550 |
| Noncurrent assets plus other real estate owned to assets | 2.1196% | 3,033 |
| Noncurrent loans to loans | 3.4631% | 2,031 |
| Net loans and leases to total assets | 57.6480% | 6,013 |
| Net loans and leases to deposits | 68.2873% | 6,154 |
| Net loans and leases to core deposits | 80.2251% | 6,389 |
| Total domestic deposits to total assets | 84.4199% | 3,542 |
| Equity capital to assets | 15.3763% | 952 |
| Core capital (leverage) ratio | 15.4707% | 828 |
| Tier 1 risk-based capital ratio | 27.8985% | 724 |
| Total risk-based capital ratio | 28.9653% | 715 |
| Memoranda: | ||
| Average total assets | $105,600,330 | 4,997 |
| Average earning assets | $99,756,670 | 4,898 |
| Average equity | $16,007,000 | 3,922 |
| Average total loans | $62,108,330 | 5,250 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9214% | 7,121 |
| Cost of funding earning assets | 1.6096% | 5,992 |
| Net interest margin | 3.3118% | 5,456 |
| Noninterest income to average assets | 0.3605% | 5,556 |
| Noninterest expense to average assets | 1.5671% | 7,931 |
| Loan and lease loss provision to assets | 0.0569% | 6,252 |
| Net operating income to assets | 1.2673% | 1,460 |
| Return on assets (ROA) | 1.2673% | 1,558 |
| Pretax return on assets | 1.8592% | 877 |
| Return on Equity (ROE) | 8.4216% | 2,955 |
| Retained earnings to average equity (ytd only) | 8.4216% | 1,654 |
| Net charge-offs to loans | 0.0642% | 4,565 |
| Credit loss provision to net charge-offs | 150.0000% | 2,773 |
| Earnings coverage of net charge-offs (x) | 50.5000% | 720 |
| Efficiency ratio | 44.9891% | 7,893 |
| Assets per employee ($millions) | 4.7257% | 2,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9585% | 6,440 |
| Loan loss allowance to noncurrent loans | 51.0256% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 1.1860% | 4,298 |
| Noncurrent loans to loans | 1.8784% | 3,445 |
| Net loans and leases to total assets | 59.3382% | 5,763 |
| Net loans and leases to deposits | 70.3272% | 5,947 |
| Net loans and leases to core deposits | 83.3482% | 6,111 |
| Total domestic deposits to total assets | 84.3745% | 3,519 |
| Equity capital to assets | 15.4196% | 981 |
| Core capital (leverage) ratio | 15.2308% | 916 |
| Tier 1 risk-based capital ratio | 27.3693% | 793 |
| Total risk-based capital ratio | 28.3885% | 791 |
| Memoranda: | ||
| Average total assets | $105,419,500 | 5,020 |
| Average earning assets | $99,403,000 | 4,933 |
| Average equity | $15,864,000 | 3,972 |
| Average total loans | $62,308,500 | 5,275 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7199% | 6,711 |
| Cost of funding earning assets | 2.0893% | 6,101 |
| Net interest margin | 3.6306% | 4,751 |
| Noninterest income to average assets | 0.3811% | 5,634 |
| Noninterest expense to average assets | 1.5309% | 8,020 |
| Loan and lease loss provision to assets | 0.1886% | 5,001 |
| Net operating income to assets | 1.4642% | 1,091 |
| Return on assets (ROA) | 1.4642% | 1,053 |
| Pretax return on assets | 2.0949% | 488 |
| Return on Equity (ROE) | 9.4565% | 2,453 |
| Retained earnings to average equity (ytd only) | -0.3876% | 5,404 |
| Net charge-offs to loans | 0.3487% | 3,089 |
| Credit loss provision to net charge-offs | 93.3962% | 5,587 |
| Earnings coverage of net charge-offs (x) | 11.3066% | 2,386 |
| Efficiency ratio | 40.1349% | 8,128 |
| Assets per employee ($millions) | 4.8579% | 2,101 |
| Cash dividends to net income (ytd only)* | 104.0989% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9498% | 6,397 |
| Loan loss allowance to noncurrent loans | 40.4372% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 1.3698% | 3,451 |
| Noncurrent loans to loans | 2.3488% | 2,345 |
| Net loans and leases to total assets | 57.7662% | 6,238 |
| Net loans and leases to deposits | 67.9138% | 6,471 |
| Net loans and leases to core deposits | 77.9754% | 6,749 |
| Total domestic deposits to total assets | 85.0581% | 2,817 |
| Equity capital to assets | 14.6874% | 1,255 |
| Core capital (leverage) ratio | 15.1491% | 994 |
| Tier 1 risk-based capital ratio | 26.2584% | 883 |
| Total risk-based capital ratio | 27.2487% | 882 |
| Memoranda: | ||
| Average total assets | $104,970,000 | 4,900 |
| Average earning assets | $99,268,200 | 4,823 |
| Average equity | $16,253,400 | 3,876 |
| Average total loans | $60,804,000 | 5,228 |