Home > Great State Bank > Performance and Condition Ratios
Great 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 | 4.1003% | 3,446 |
| Cost of funding earning assets | 0.7784% | 1,231 |
| Net interest margin | 3.3219% | 4,187 |
| Noninterest income to average assets | 0.1270% | 5,171 |
| Noninterest expense to average assets | 4.5328% | 289 |
| Loan and lease loss provision to assets | 0.0113% | 3,630 |
| Net operating income to assets | -1.0463% | 5,478 |
| Return on assets (ROA) | -1.0499% | 5,471 |
| Pretax return on assets | -1.2052% | 5,476 |
| Return on Equity (ROE) | -12.4585% | 5,482 |
| Retained earnings to average equity (ytd only) | -13.5804% | 5,459 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.5846% | 43 |
| Assets per employee ($millions) | 4.9713% | 2,458 |
| Cash dividends to net income (ytd only)* | -9.0054% | 5,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 2,352 |
| Loan loss allowance to noncurrent loans | 122.2443% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.7089% | 2,105 |
| Noncurrent loans to loans | 1.0345% | 1,702 |
| Net loans and leases to total assets | 66.6678% | 3,058 |
| Net loans and leases to deposits | 74.1555% | 3,516 |
| Net loans and leases to core deposits | 86.0826% | 2,913 |
| Total domestic deposits to total assets | 89.9027% | 605 |
| Equity capital to assets | 8.0275% | 5,218 |
| Core capital (leverage) ratio | 8.1877% | 5,267 |
| Tier 1 risk-based capital ratio | 13.4758% | 3,629 |
| Total risk-based capital ratio | 14.7279% | 3,543 |
| Memoranda: | ||
| Average total assets | $141,721,330 | 3,549 |
| Average earning assets | $137,210,000 | 3,452 |
| Average equity | $11,943,670 | 4,090 |
| Average total loans | $97,954,670 | 3,374 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0156% | 3,549 |
| Cost of funding earning assets | 0.7597% | 1,141 |
| Net interest margin | 3.2559% | 4,299 |
| Noninterest income to average assets | 0.1110% | 5,285 |
| Noninterest expense to average assets | 2.8100% | 2,658 |
| Loan and lease loss provision to assets | 0.0854% | 2,095 |
| Net operating income to assets | 0.2345% | 5,205 |
| Return on assets (ROA) | 0.2278% | 5,211 |
| Pretax return on assets | 0.3673% | 5,078 |
| Return on Equity (ROE) | 2.6383% | 5,089 |
| Retained earnings to average equity (ytd only) | 2.6383% | 4,125 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9008% | 658 |
| Assets per employee ($millions) | 5.0809% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 2,428 |
| Loan loss allowance to noncurrent loans | 101.4575% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.8786% | 1,807 |
| Noncurrent loans to loans | 1.2470% | 1,454 |
| Net loans and leases to total assets | 68.7342% | 2,666 |
| Net loans and leases to deposits | 76.4936% | 3,157 |
| Net loans and leases to core deposits | 87.0452% | 2,714 |
| Total domestic deposits to total assets | 89.8562% | 719 |
| Equity capital to assets | 8.5447% | 4,939 |
| Core capital (leverage) ratio | 8.7139% | 4,978 |
| Tier 1 risk-based capital ratio | 13.9566% | 3,401 |
| Total risk-based capital ratio | 15.2085% | 3,315 |
| Memoranda: | ||
| Average total assets | $140,498,500 | 3,595 |
| Average earning assets | $136,366,500 | 3,499 |
| Average equity | $12,129,000 | 4,101 |
| Average total loans | $98,260,000 | 3,395 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8767% | 3,795 |
| Cost of funding earning assets | 0.7117% | 966 |
| Net interest margin | 3.1650% | 4,533 |
| Noninterest income to average assets | 0.1425% | 5,234 |
| Noninterest expense to average assets | 2.3095% | 4,301 |
| Loan and lease loss provision to assets | 0.1204% | 1,904 |
| Net operating income to assets | 0.3452% | 4,838 |
| Return on assets (ROA) | 0.3438% | 4,868 |
| Pretax return on assets | 0.7508% | 4,386 |
| Return on Equity (ROE) | 3.7566% | 4,580 |
| Retained earnings to average equity (ytd only) | 3.2069% | 3,385 |
| Net charge-offs to loans | 0.0057% | 3,880 |
| Credit loss provision to net charge-offs | 3,160.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 229.2000% | 359 |
| Efficiency ratio | 72.5575% | 2,141 |
| Assets per employee ($millions) | 4.9548% | 2,537 |
| Cash dividends to net income (ytd only)* | 14.6341% | 3,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 2,442 |
| Loan loss allowance to noncurrent loans | 94.1493% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.9471% | 1,639 |
| Noncurrent loans to loans | 1.3325% | 1,308 |
| Net loans and leases to total assets | 69.3851% | 2,619 |
| Net loans and leases to deposits | 77.4504% | 3,175 |
| Net loans and leases to core deposits | 87.5107% | 2,767 |
| Total domestic deposits to total assets | 89.5865% | 738 |
| Equity capital to assets | 8.7232% | 4,951 |
| Core capital (leverage) ratio | 8.4097% | 5,215 |
| Tier 1 risk-based capital ratio | 13.4945% | 3,629 |
| Total risk-based capital ratio | 14.7471% | 3,537 |
| Memoranda: | ||
| Average total assets | $131,196,200 | 3,730 |
| Average earning assets | $126,034,800 | 3,650 |
| Average equity | $12,005,400 | 4,136 |
| Average total loans | $87,366,200 | 3,580 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8107% | 3,969 |
| Cost of funding earning assets | 0.6982% | 971 |
| Net interest margin | 3.1125% | 4,678 |
| Noninterest income to average assets | 0.1516% | 5,255 |
| Noninterest expense to average assets | 2.1910% | 4,540 |
| Loan and lease loss provision to assets | 0.0753% | 2,564 |
| Net operating income to assets | 0.5591% | 4,544 |
| Return on assets (ROA) | 0.5578% | 4,585 |
| Pretax return on assets | 0.8661% | 4,151 |
| Return on Equity (ROE) | 6.0204% | 4,115 |
| Retained earnings to average equity (ytd only) | 5.2859% | 2,699 |
| Net charge-offs to loans | 0.0079% | 3,445 |
| Credit loss provision to net charge-offs | 1,460.0000% | 259 |
| Earnings coverage of net charge-offs (x) | 182.9040% | 464 |
| Efficiency ratio | 69.9013% | 2,554 |
| Assets per employee ($millions) | 5.1381% | 2,290 |
| Cash dividends to net income (ytd only)* | 12.1999% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 2,554 |
| Loan loss allowance to noncurrent loans | 110.6031% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.7518% | 2,251 |
| Noncurrent loans to loans | 1.1433% | 1,681 |
| Net loans and leases to total assets | 63.9943% | 3,396 |
| Net loans and leases to deposits | 71.4569% | 3,831 |
| Net loans and leases to core deposits | 81.4343% | 3,336 |
| Total domestic deposits to total assets | 89.5565% | 639 |
| Equity capital to assets | 8.8115% | 5,071 |
| Core capital (leverage) ratio | 9.0511% | 4,683 |
| Tier 1 risk-based capital ratio | 15.3833% | 2,756 |
| Total risk-based capital ratio | 16.6361% | 2,700 |
| Memoranda: | ||
| Average total assets | $129,312,000 | 3,797 |
| Average earning assets | $123,928,500 | 3,712 |
| Average equity | $11,981,250 | 4,183 |
| Average total loans | $84,837,000 | 3,665 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7712% | 3,997 |
| Cost of funding earning assets | 0.6854% | 961 |
| Net interest margin | 3.0859% | 4,720 |
| Noninterest income to average assets | 0.1474% | 5,325 |
| Noninterest expense to average assets | 2.1859% | 4,583 |
| Loan and lease loss provision to assets | 0.0682% | 2,606 |
| Net operating income to assets | 0.5490% | 4,527 |
| Return on assets (ROA) | 0.5500% | 4,561 |
| Pretax return on assets | 0.8496% | 4,099 |
| Return on Equity (ROE) | 5.8318% | 4,118 |
| Retained earnings to average equity (ytd only) | 4.7226% | 2,902 |
| Net charge-offs to loans | 0.0144% | 2,955 |
| Credit loss provision to net charge-offs | 716.6667% | 489 |
| Earnings coverage of net charge-offs (x) | 96.3333% | 671 |
| Efficiency ratio | 70.4650% | 2,591 |
| Assets per employee ($millions) | 5.1081% | 2,265 |
| Cash dividends to net income (ytd only)* | 19.0202% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 2,413 |
| Loan loss allowance to noncurrent loans | 105.9330% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 0.7981% | 2,211 |
| Noncurrent loans to loans | 1.2270% | 1,587 |
| Net loans and leases to total assets | 63.2912% | 3,486 |
| Net loans and leases to deposits | 70.9737% | 3,832 |
| Net loans and leases to core deposits | 80.9345% | 3,350 |
| Total domestic deposits to total assets | 89.1755% | 872 |
| Equity capital to assets | 9.0588% | 4,845 |
| Core capital (leverage) ratio | 9.2575% | 4,421 |
| Tier 1 risk-based capital ratio | 15.4047% | 2,741 |
| Total risk-based capital ratio | 16.6564% | 2,685 |
| Memoranda: | ||
| Average total assets | $126,173,330 | 3,866 |
| Average earning assets | $120,809,330 | 3,790 |
| Average equity | $11,900,330 | 4,207 |
| Average total loans | $83,144,330 | 3,717 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7302% | 4,004 |
| Cost of funding earning assets | 0.6609% | 1,023 |
| Net interest margin | 3.0694% | 4,736 |
| Noninterest income to average assets | 0.1400% | 5,411 |
| Noninterest expense to average assets | 2.2107% | 4,611 |
| Loan and lease loss provision to assets | 0.0098% | 3,434 |
| Net operating income to assets | 0.5535% | 4,363 |
| Return on assets (ROA) | 0.5535% | 4,409 |
| Pretax return on assets | 0.8530% | 3,930 |
| Return on Equity (ROE) | 5.7457% | 4,025 |
| Retained earnings to average equity (ytd only) | 5.7457% | 2,472 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9280% | 2,591 |
| Assets per employee ($millions) | 5.1082% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 2,495 |
| Loan loss allowance to noncurrent loans | 96.6697% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.8817% | 2,095 |
| Noncurrent loans to loans | 1.3543% | 1,491 |
| Net loans and leases to total assets | 63.3997% | 3,346 |
| Net loans and leases to deposits | 71.4082% | 3,664 |
| Net loans and leases to core deposits | 81.3145% | 3,159 |
| Total domestic deposits to total assets | 88.7850% | 1,262 |
| Equity capital to assets | 9.3357% | 4,460 |
| Core capital (leverage) ratio | 9.7796% | 3,778 |
| Tier 1 risk-based capital ratio | 16.0254% | 2,536 |
| Total risk-based capital ratio | 17.2779% | 2,489 |
| Memoranda: | ||
| Average total assets | $122,855,000 | 3,954 |
| Average earning assets | $117,418,500 | 3,886 |
| Average equity | $11,835,000 | 4,244 |
| Average total loans | $82,134,500 | 3,763 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0860% | 2,912 |
| Cost of funding earning assets | 0.6426% | 1,091 |
| Net interest margin | 3.4434% | 3,649 |
| Noninterest income to average assets | 0.3992% | 3,891 |
| Noninterest expense to average assets | 2.3162% | 4,523 |
| Loan and lease loss provision to assets | 0.1385% | 1,800 |
| Net operating income to assets | 0.8026% | 3,290 |
| Return on assets (ROA) | 0.8020% | 3,399 |
| Pretax return on assets | 1.2345% | 2,534 |
| Return on Equity (ROE) | 7.9092% | 2,993 |
| Retained earnings to average equity (ytd only) | 7.4038% | 1,078 |
| Net charge-offs to loans | 0.0255% | 3,529 |
| Credit loss provision to net charge-offs | 770.0000% | 474 |
| Earnings coverage of net charge-offs (x) | 76.4000% | 738 |
| Efficiency ratio | 62.7680% | 4,137 |
| Assets per employee ($millions) | 5.1307% | 2,250 |
| Cash dividends to net income (ytd only)* | 6.3901% | 4,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 2,540 |
| Loan loss allowance to noncurrent loans | 245.9770% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.3813% | 3,748 |
| Noncurrent loans to loans | 0.5290% | 3,265 |
| Net loans and leases to total assets | 68.7770% | 2,653 |
| Net loans and leases to deposits | 78.2395% | 3,073 |
| Net loans and leases to core deposits | 89.9221% | 2,505 |
| Total domestic deposits to total assets | 87.9057% | 1,678 |
| Equity capital to assets | 9.9554% | 3,764 |
| Core capital (leverage) ratio | 10.1452% | 3,312 |
| Tier 1 risk-based capital ratio | 14.6837% | 3,110 |
| Total risk-based capital ratio | 15.9342% | 3,052 |
| Memoranda: | ||
| Average total assets | $111,218,400 | 4,143 |
| Average earning assets | $106,290,400 | 4,070 |
| Average equity | $11,278,000 | 4,382 |
| Average total loans | $78,414,400 | 3,842 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0019% | 3,227 |
| Cost of funding earning assets | 0.6354% | 1,113 |
| Net interest margin | 3.3665% | 3,968 |
| Noninterest income to average assets | 0.1327% | 5,589 |
| Noninterest expense to average assets | 2.2278% | 4,695 |
| Loan and lease loss provision to assets | 0.1765% | 1,271 |
| Net operating income to assets | 0.5876% | 4,342 |
| Return on assets (ROA) | 0.5868% | 4,456 |
| Pretax return on assets | 0.9459% | 3,827 |
| Return on Equity (ROE) | 5.7583% | 4,191 |
| Retained earnings to average equity (ytd only) | 5.0773% | 2,775 |
| Net charge-offs to loans | 0.0138% | 3,468 |
| Credit loss provision to net charge-offs | 1,812.5000% | 257 |
| Earnings coverage of net charge-offs (x) | 115.3365% | 587 |
| Efficiency ratio | 66.4729% | 3,505 |
| Assets per employee ($millions) | 4.8740% | 2,534 |
| Cash dividends to net income (ytd only)* | 11.8260% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 2,694 |
| Loan loss allowance to noncurrent loans | 236.8653% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.4219% | 3,741 |
| Noncurrent loans to loans | 0.5484% | 3,354 |
| Net loans and leases to total assets | 72.7293% | 2,057 |
| Net loans and leases to deposits | 82.3737% | 2,683 |
| Net loans and leases to core deposits | 94.9116% | 2,111 |
| Total domestic deposits to total assets | 88.2919% | 1,243 |
| Equity capital to assets | 10.1470% | 3,986 |
| Core capital (leverage) ratio | 10.1717% | 3,358 |
| Tier 1 risk-based capital ratio | 14.8301% | 3,137 |
| Total risk-based capital ratio | 16.0825% | 3,071 |
| Memoranda: | ||
| Average total assets | $109,521,500 | 4,205 |
| Average earning assets | $104,714,250 | 4,126 |
| Average equity | $11,160,500 | 4,443 |
| Average total loans | $77,460,250 | 3,890 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9320% | 3,491 |
| Cost of funding earning assets | 0.6246% | 1,164 |
| Net interest margin | 3.3074% | 4,203 |
| Noninterest income to average assets | 0.1362% | 5,626 |
| Noninterest expense to average assets | 2.1995% | 4,847 |
| Loan and lease loss provision to assets | 0.1638% | 1,374 |
| Net operating income to assets | 0.5920% | 4,310 |
| Return on assets (ROA) | 0.5908% | 4,439 |
| Pretax return on assets | 0.9387% | 3,808 |
| Return on Equity (ROE) | 5.7895% | 4,146 |
| Retained earnings to average equity (ytd only) | 4.7615% | 2,889 |
| Net charge-offs to loans | 0.0132% | 3,281 |
| Credit loss provision to net charge-offs | 1,780.0000% | 230 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 490 |
| Efficiency ratio | 66.5738% | 3,592 |
| Assets per employee ($millions) | 4.7999% | 2,561 |
| Cash dividends to net income (ytd only)* | 17.7570% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 2,791 |
| Loan loss allowance to noncurrent loans | 478.8732% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 4,653 |
| Noncurrent loans to loans | 0.2713% | 4,391 |
| Net loans and leases to total assets | 70.2021% | 2,448 |
| Net loans and leases to deposits | 78.7252% | 3,083 |
| Net loans and leases to core deposits | 90.5915% | 2,479 |
| Total domestic deposits to total assets | 89.1736% | 834 |
| Equity capital to assets | 10.1606% | 4,011 |
| Core capital (leverage) ratio | 10.2636% | 3,253 |
| Tier 1 risk-based capital ratio | 15.0903% | 3,040 |
| Total risk-based capital ratio | 16.3424% | 2,971 |
| Memoranda: | ||
| Average total assets | $108,661,330 | 4,252 |
| Average earning assets | $104,068,670 | 4,172 |
| Average equity | $11,089,000 | 4,481 |
| Average total loans | $75,745,670 | 3,958 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8838% | 3,646 |
| Cost of funding earning assets | 0.6124% | 1,253 |
| Net interest margin | 3.2714% | 4,328 |
| Noninterest income to average assets | 0.1076% | 5,799 |
| Noninterest expense to average assets | 2.1152% | 5,092 |
| Loan and lease loss provision to assets | 0.2301% | 802 |
| Net operating income to assets | 0.5813% | 4,265 |
| Return on assets (ROA) | 0.5752% | 4,402 |
| Pretax return on assets | 0.8869% | 3,897 |
| Return on Equity (ROE) | 5.6236% | 4,163 |
| Retained earnings to average equity (ytd only) | 5.6236% | 2,566 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2921% | 3,923 |
| Assets per employee ($millions) | 5.0360% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 2,898 |
| Loan loss allowance to noncurrent loans | 451.1312% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 4,692 |
| Noncurrent loans to loans | 0.2881% | 4,403 |
| Net loans and leases to total assets | 68.3494% | 2,605 |
| Net loans and leases to deposits | 76.5990% | 3,157 |
| Net loans and leases to core deposits | 88.6450% | 2,496 |
| Total domestic deposits to total assets | 89.2302% | 978 |
| Equity capital to assets | 10.0261% | 4,044 |
| Core capital (leverage) ratio | 9.9872% | 3,546 |
| Tier 1 risk-based capital ratio | 15.1417% | 3,090 |
| Total risk-based capital ratio | 16.3962% | 3,025 |
| Memoranda: | ||
| Average total assets | $107,793,500 | 4,308 |
| Average earning assets | $103,198,500 | 4,230 |
| Average equity | $11,025,000 | 4,501 |
| Average total loans | $74,358,000 | 4,011 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9411% | 3,560 |
| Cost of funding earning assets | 0.6222% | 1,218 |
| Net interest margin | 3.3189% | 4,213 |
| Noninterest income to average assets | 0.1150% | 5,827 |
| Noninterest expense to average assets | 2.3277% | 4,712 |
| Loan and lease loss provision to assets | 0.0870% | 2,555 |
| Net operating income to assets | 0.4222% | 4,979 |
| Return on assets (ROA) | 0.4241% | 5,054 |
| Pretax return on assets | 0.8512% | 4,018 |
| Return on Equity (ROE) | 3.9369% | 4,974 |
| Retained earnings to average equity (ytd only) | 3.4076% | 3,628 |
| Net charge-offs to loans | -0.0330% | 5,429 |
| Credit loss provision to net charge-offs | -395.4545% | 5,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3366% | 3,009 |
| Assets per employee ($millions) | 5.2398% | 2,074 |
| Cash dividends to net income (ytd only)* | 13.4434% | 3,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 2,902 |
| Loan loss allowance to noncurrent loans | 401.7167% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.5935% | 3,302 |
| Noncurrent loans to loans | 0.3236% | 4,299 |
| Net loans and leases to total assets | 67.8060% | 2,728 |
| Net loans and leases to deposits | 76.4755% | 3,197 |
| Net loans and leases to core deposits | 89.0328% | 2,496 |
| Total domestic deposits to total assets | 88.6637% | 1,300 |
| Equity capital to assets | 10.4412% | 3,434 |
| Core capital (leverage) ratio | 10.0871% | 3,392 |
| Tier 1 risk-based capital ratio | 15.1767% | 3,090 |
| Total risk-based capital ratio | 16.4318% | 3,026 |
| Memoranda: | ||
| Average total assets | $99,971,600 | 4,465 |
| Average earning assets | $94,821,200 | 4,419 |
| Average equity | $10,770,000 | 4,529 |
| Average total loans | $66,697,200 | 4,178 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9564% | 3,517 |
| Cost of funding earning assets | 0.6209% | 1,270 |
| Net interest margin | 3.3355% | 4,198 |
| Noninterest income to average assets | 0.1687% | 5,636 |
| Noninterest expense to average assets | 2.3665% | 4,603 |
| Loan and lease loss provision to assets | 0.0837% | 2,500 |
| Net operating income to assets | 0.4199% | 5,085 |
| Return on assets (ROA) | 0.4225% | 5,165 |
| Pretax return on assets | 0.8842% | 4,035 |
| Return on Equity (ROE) | 3.8904% | 5,068 |
| Retained earnings to average equity (ytd only) | 3.1819% | 4,198 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0580% | 3,034 |
| Assets per employee ($millions) | 6.4304% | 1,099 |
| Cash dividends to net income (ytd only)* | 18.2114% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 3,031 |
| Loan loss allowance to noncurrent loans | 1,505.0847% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.4821% | 3,882 |
| Noncurrent loans to loans | 0.0871% | 5,283 |
| Net loans and leases to total assets | 64.9965% | 3,157 |
| Net loans and leases to deposits | 73.6933% | 3,573 |
| Net loans and leases to core deposits | 86.1000% | 2,844 |
| Total domestic deposits to total assets | 88.1987% | 1,454 |
| Equity capital to assets | 10.5504% | 3,554 |
| Core capital (leverage) ratio | 10.2575% | 3,303 |
| Tier 1 risk-based capital ratio | 15.1702% | 3,202 |
| Total risk-based capital ratio | 16.4237% | 3,136 |
| Memoranda: | ||
| Average total assets | $98,765,500 | 4,534 |
| Average earning assets | $93,618,250 | 4,490 |
| Average equity | $10,727,000 | 4,583 |
| Average total loans | $65,373,000 | 4,263 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9511% | 3,481 |
| Cost of funding earning assets | 0.6205% | 1,282 |
| Net interest margin | 3.3305% | 4,169 |
| Noninterest income to average assets | 0.1746% | 5,653 |
| Noninterest expense to average assets | 2.5095% | 4,216 |
| Loan and lease loss provision to assets | 0.0945% | 2,237 |
| Net operating income to assets | 0.4027% | 5,126 |
| Return on assets (ROA) | 0.4066% | 5,224 |
| Pretax return on assets | 0.7290% | 4,564 |
| Return on Equity (ROE) | 3.7064% | 5,137 |
| Retained earnings to average equity (ytd only) | 2.6394% | 4,376 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4321% | 2,466 |
| Assets per employee ($millions) | 5.9099% | 1,424 |
| Cash dividends to net income (ytd only)* | 28.7879% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 3,106 |
| Loan loss allowance to noncurrent loans | 1,280.8824% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.5026% | 3,942 |
| Noncurrent loans to loans | 0.1035% | 5,333 |
| Net loans and leases to total assets | 64.5045% | 3,194 |
| Net loans and leases to deposits | 73.2423% | 3,584 |
| Net loans and leases to core deposits | 86.6300% | 2,689 |
| Total domestic deposits to total assets | 88.0700% | 1,618 |
| Equity capital to assets | 10.6869% | 3,230 |
| Core capital (leverage) ratio | 10.6029% | 2,845 |
| Tier 1 risk-based capital ratio | 16.4164% | 2,652 |
| Total risk-based capital ratio | 17.6711% | 2,607 |
| Memoranda: | ||
| Average total assets | $97,391,670 | 4,605 |
| Average earning assets | $92,177,000 | 4,553 |
| Average equity | $10,684,330 | 4,619 |
| Average total loans | $64,577,000 | 4,325 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9451% | 3,437 |
| Cost of funding earning assets | 0.6215% | 1,293 |
| Net interest margin | 3.3235% | 4,117 |
| Noninterest income to average assets | 0.1669% | 5,733 |
| Noninterest expense to average assets | 2.1032% | 5,379 |
| Loan and lease loss provision to assets | 0.0542% | 2,852 |
| Net operating income to assets | 0.6305% | 4,145 |
| Return on assets (ROA) | 0.6385% | 4,216 |
| Pretax return on assets | 1.1685% | 2,792 |
| Return on Equity (ROE) | 5.7422% | 4,167 |
| Retained earnings to average equity (ytd only) | 3.6029% | 3,840 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4761% | 4,559 |
| Assets per employee ($millions) | 6.1306% | 1,308 |
| Cash dividends to net income (ytd only)* | 37.2549% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 3,407 |
| Loan loss allowance to noncurrent loans | 1,117.3333% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.5220% | 3,933 |
| Noncurrent loans to loans | 0.1163% | 5,350 |
| Net loans and leases to total assets | 64.9057% | 2,961 |
| Net loans and leases to deposits | 73.9778% | 3,318 |
| Net loans and leases to core deposits | 85.0343% | 2,656 |
| Total domestic deposits to total assets | 87.7368% | 1,966 |
| Equity capital to assets | 10.9247% | 3,057 |
| Core capital (leverage) ratio | 10.7900% | 2,637 |
| Tier 1 risk-based capital ratio | 16.3208% | 2,772 |
| Total risk-based capital ratio | 17.5746% | 2,710 |
| Memoranda: | ||
| Average total assets | $95,853,000 | 4,670 |
| Average earning assets | $90,746,500 | 4,624 |
| Average equity | $10,658,000 | 4,663 |
| Average total loans | $64,026,500 | 4,363 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0065% | 3,706 |
| Cost of funding earning assets | 0.6238% | 1,580 |
| Net interest margin | 3.3827% | 4,264 |
| Noninterest income to average assets | 0.1314% | 6,035 |
| Noninterest expense to average assets | 2.1595% | 5,430 |
| Loan and lease loss provision to assets | 0.1161% | 2,235 |
| Net operating income to assets | 0.7819% | 3,463 |
| Return on assets (ROA) | 0.7819% | 3,548 |
| Pretax return on assets | 1.0743% | 3,185 |
| Return on Equity (ROE) | 6.9665% | 3,657 |
| Retained earnings to average equity (ytd only) | 6.9665% | 1,428 |
| Net charge-offs to loans | 0.0235% | 4,369 |
| Credit loss provision to net charge-offs | 757.1429% | 356 |
| Earnings coverage of net charge-offs (x) | 77.6429% | 645 |
| Efficiency ratio | 64.4655% | 4,516 |
| Assets per employee ($millions) | 6.2411% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 3,423 |
| Loan loss allowance to noncurrent loans | 1,290.6250% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.5352% | 4,012 |
| Noncurrent loans to loans | 0.1007% | 5,491 |
| Net loans and leases to total assets | 67.0003% | 2,729 |
| Net loans and leases to deposits | 77.5603% | 3,021 |
| Net loans and leases to core deposits | 89.0054% | 2,381 |
| Total domestic deposits to total assets | 86.3848% | 2,628 |
| Equity capital to assets | 11.3229% | 2,588 |
| Core capital (leverage) ratio | 11.1386% | 2,272 |
| Tier 1 risk-based capital ratio | 15.7442% | 3,106 |
| Total risk-based capital ratio | 16.9765% | 3,044 |
| Memoranda: | ||
| Average total assets | $91,315,400 | 4,806 |
| Average earning assets | $86,883,200 | 4,720 |
| Average equity | $10,249,000 | 4,699 |
| Average total loans | $59,606,600 | 4,501 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9810% | 3,832 |
| Cost of funding earning assets | 0.6239% | 1,649 |
| Net interest margin | 3.3571% | 4,400 |
| Noninterest income to average assets | 0.1308% | 6,119 |
| Noninterest expense to average assets | 2.0953% | 5,579 |
| Loan and lease loss provision to assets | 0.1043% | 2,298 |
| Net operating income to assets | 0.8317% | 3,279 |
| Return on assets (ROA) | 0.8317% | 3,364 |
| Pretax return on assets | 1.1255% | 3,087 |
| Return on Equity (ROE) | 7.4267% | 3,481 |
| Retained earnings to average equity (ytd only) | 7.4267% | 1,605 |
| Net charge-offs to loans | 0.0341% | 3,803 |
| Credit loss provision to net charge-offs | 473.3333% | 600 |
| Earnings coverage of net charge-offs (x) | 55.7985% | 914 |
| Efficiency ratio | 63.0137% | 4,722 |
| Assets per employee ($millions) | 6.1955% | 1,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 3,650 |
| Loan loss allowance to noncurrent loans | 1,363.7931% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.5326% | 4,273 |
| Noncurrent loans to loans | 0.0953% | 5,659 |
| Net loans and leases to total assets | 64.6563% | 3,079 |
| Net loans and leases to deposits | 74.7676% | 3,333 |
| Net loans and leases to core deposits | 85.6562% | 2,699 |
| Total domestic deposits to total assets | 86.4763% | 2,600 |
| Equity capital to assets | 11.2597% | 2,694 |
| Core capital (leverage) ratio | 11.2338% | 2,279 |
| Tier 1 risk-based capital ratio | 16.1318% | 2,994 |
| Total risk-based capital ratio | 17.3581% | 2,960 |
| Memoranda: | ||
| Average total assets | $90,740,250 | 4,875 |
| Average earning assets | $86,342,000 | 4,781 |
| Average equity | $10,161,250 | 4,753 |
| Average total loans | $58,621,000 | 4,569 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9747% | 3,841 |
| Cost of funding earning assets | 0.6262% | 1,673 |
| Net interest margin | 3.3484% | 4,415 |
| Noninterest income to average assets | 0.1222% | 6,190 |
| Noninterest expense to average assets | 2.0798% | 5,669 |
| Loan and lease loss provision to assets | 0.0711% | 2,853 |
| Net operating income to assets | 0.8599% | 3,014 |
| Return on assets (ROA) | 0.8599% | 3,115 |
| Pretax return on assets | 1.1554% | 2,856 |
| Return on Equity (ROE) | 7.6936% | 3,268 |
| Retained earnings to average equity (ytd only) | 7.6936% | 1,438 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9032% | 4,876 |
| Assets per employee ($millions) | 6.1582% | 1,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3112% | 3,799 |
| Loan loss allowance to noncurrent loans | 3,195.8333% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.7318% | 3,777 |
| Noncurrent loans to loans | 0.0410% | 5,928 |
| Net loans and leases to total assets | 62.4955% | 3,326 |
| Net loans and leases to deposits | 72.1694% | 3,550 |
| Net loans and leases to core deposits | 81.7714% | 3,000 |
| Total domestic deposits to total assets | 86.5957% | 2,704 |
| Equity capital to assets | 11.1396% | 2,744 |
| Core capital (leverage) ratio | 11.2822% | 2,170 |
| Tier 1 risk-based capital ratio | 16.4803% | 2,835 |
| Total risk-based capital ratio | 17.7164% | 2,806 |
| Memoranda: | ||
| Average total assets | $90,009,330 | 4,931 |
| Average earning assets | $85,592,330 | 4,835 |
| Average equity | $10,060,330 | 4,788 |
| Average total loans | $57,868,670 | 4,618 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8869% | 4,137 |
| Cost of funding earning assets | 0.6304% | 1,730 |
| Net interest margin | 3.2564% | 4,716 |
| Noninterest income to average assets | 0.1216% | 6,240 |
| Noninterest expense to average assets | 2.0759% | 5,724 |
| Loan and lease loss provision to assets | 0.1171% | 2,015 |
| Net operating income to assets | 0.4998% | 4,693 |
| Return on assets (ROA) | 0.5674% | 4,440 |
| Pretax return on assets | 1.0898% | 2,959 |
| Return on Equity (ROE) | 5.0676% | 4,519 |
| Retained earnings to average equity (ytd only) | 5.0676% | 3,082 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5658% | 4,766 |
| Assets per employee ($millions) | 6.0390% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 4,120 |
| Loan loss allowance to noncurrent loans | 115.3030% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.7507% | 3,872 |
| Noncurrent loans to loans | 1.1275% | 3,170 |
| Net loans and leases to total assets | 63.7832% | 2,934 |
| Net loans and leases to deposits | 73.2693% | 3,158 |
| Net loans and leases to core deposits | 79.4483% | 3,038 |
| Total domestic deposits to total assets | 87.0530% | 2,772 |
| Equity capital to assets | 11.0581% | 2,672 |
| Core capital (leverage) ratio | 11.1511% | 2,265 |
| Tier 1 risk-based capital ratio | 16.3350% | 2,984 |
| Total risk-based capital ratio | 17.5825% | 2,951 |
| Memoranda: | ||
| Average total assets | $88,827,500 | 4,999 |
| Average earning assets | $84,386,500 | 4,906 |
| Average equity | $9,945,500 | 4,826 |
| Average total loans | $57,555,000 | 4,668 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9498% | 4,285 |
| Cost of funding earning assets | 0.7019% | 1,801 |
| Net interest margin | 3.2479% | 4,842 |
| Noninterest income to average assets | 0.1777% | 6,016 |
| Noninterest expense to average assets | 2.2957% | 5,399 |
| Loan and lease loss provision to assets | 0.2179% | 1,674 |
| Net operating income to assets | 0.6380% | 4,084 |
| Return on assets (ROA) | 0.9336% | 2,709 |
| Pretax return on assets | 1.0578% | 3,118 |
| Return on Equity (ROE) | 7.9668% | 3,042 |
| Retained earnings to average equity (ytd only) | 7.4787% | 1,242 |
| Net charge-offs to loans | 0.1630% | 3,183 |
| Credit loss provision to net charge-offs | 213.0952% | 1,079 |
| Earnings coverage of net charge-offs (x) | 9.5833% | 2,484 |
| Efficiency ratio | 70.0855% | 3,824 |
| Assets per employee ($millions) | 6.2193% | 1,128 |
| Cash dividends to net income (ytd only)* | 6.1278% | 4,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 4,149 |
| Loan loss allowance to noncurrent loans | 111.0272% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.7833% | 3,933 |
| Noncurrent loans to loans | 1.1702% | 3,193 |
| Net loans and leases to total assets | 64.1277% | 3,023 |
| Net loans and leases to deposits | 73.9041% | 3,274 |
| Net loans and leases to core deposits | 78.9603% | 3,240 |
| Total domestic deposits to total assets | 86.7716% | 2,849 |
| Equity capital to assets | 11.3403% | 2,303 |
| Core capital (leverage) ratio | 11.4220% | 2,017 |
| Tier 1 risk-based capital ratio | 16.6444% | 2,782 |
| Total risk-based capital ratio | 17.8878% | 2,742 |
| Memoranda: | ||
| Average total assets | $82,153,200 | 5,189 |
| Average earning assets | $78,358,000 | 5,078 |
| Average equity | $9,627,400 | 4,942 |
| Average total loans | $51,544,400 | 4,913 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9228% | 4,415 |
| Cost of funding earning assets | 0.7095% | 1,888 |
| Net interest margin | 3.2133% | 4,954 |
| Noninterest income to average assets | 0.2059% | 5,945 |
| Noninterest expense to average assets | 2.3099% | 5,302 |
| Loan and lease loss provision to assets | 0.1664% | 2,177 |
| Net operating income to assets | 0.7048% | 3,835 |
| Return on assets (ROA) | 1.1747% | 1,793 |
| Pretax return on assets | 1.2736% | 2,437 |
| Return on Equity (ROE) | 9.9380% | 2,210 |
| Retained earnings to average equity (ytd only) | 9.9380% | 802 |
| Net charge-offs to loans | 0.0610% | 4,033 |
| Credit loss provision to net charge-offs | 439.1304% | 603 |
| Earnings coverage of net charge-offs (x) | 25.6052% | 1,380 |
| Efficiency ratio | 70.4169% | 3,687 |
| Assets per employee ($millions) | 5.6239% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 4,393 |
| Loan loss allowance to noncurrent loans | 1,841.0256% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 6,209 |
| Noncurrent loans to loans | 0.0706% | 6,127 |
| Net loans and leases to total assets | 64.6250% | 2,898 |
| Net loans and leases to deposits | 74.7812% | 3,117 |
| Net loans and leases to core deposits | 80.0873% | 3,124 |
| Total domestic deposits to total assets | 86.4188% | 3,016 |
| Equity capital to assets | 11.7047% | 2,123 |
| Core capital (leverage) ratio | 11.5902% | 1,965 |
| Tier 1 risk-based capital ratio | 17.0792% | 2,676 |
| Total risk-based capital ratio | 18.3265% | 2,643 |
| Memoranda: | ||
| Average total assets | $80,924,000 | 5,263 |
| Average earning assets | $77,425,250 | 5,154 |
| Average equity | $9,565,750 | 5,017 |
| Average total loans | $50,287,750 | 4,987 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8004% | 4,830 |
| Cost of funding earning assets | 0.7157% | 1,955 |
| Net interest margin | 3.0847% | 5,316 |
| Noninterest income to average assets | 0.2281% | 5,814 |
| Noninterest expense to average assets | 2.3490% | 5,213 |
| Loan and lease loss provision to assets | 0.0802% | 3,452 |
| Net operating income to assets | 0.6368% | 4,123 |
| Return on assets (ROA) | 0.6368% | 4,273 |
| Pretax return on assets | 0.7596% | 4,470 |
| Return on Equity (ROE) | 5.3683% | 4,535 |
| Retained earnings to average equity (ytd only) | 5.3683% | 2,830 |
| Net charge-offs to loans | 0.0946% | 3,420 |
| Credit loss provision to net charge-offs | 139.1304% | 1,628 |
| Earnings coverage of net charge-offs (x) | 14.5652% | 1,818 |
| Efficiency ratio | 73.6635% | 3,188 |
| Assets per employee ($millions) | 5.5030% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 4,449 |
| Loan loss allowance to noncurrent loans | 91.9263% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 0.8856% | 4,028 |
| Noncurrent loans to loans | 1.4265% | 3,159 |
| Net loans and leases to total assets | 59.1714% | 3,801 |
| Net loans and leases to deposits | 68.3320% | 3,967 |
| Net loans and leases to core deposits | 73.3147% | 3,893 |
| Total domestic deposits to total assets | 86.5940% | 3,061 |
| Equity capital to assets | 11.4871% | 2,306 |
| Core capital (leverage) ratio | 11.5548% | 1,893 |
| Tier 1 risk-based capital ratio | 18.2521% | 2,225 |
| Total risk-based capital ratio | 19.5023% | 2,190 |
| Memoranda: | ||
| Average total assets | $79,779,000 | 5,321 |
| Average earning assets | $76,570,670 | 5,212 |
| Average equity | $9,463,000 | 5,070 |
| Average total loans | $48,638,670 | 5,079 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8144% | 4,778 |
| Cost of funding earning assets | 0.7501% | 1,850 |
| Net interest margin | 3.0643% | 5,387 |
| Noninterest income to average assets | 0.2551% | 5,631 |
| Noninterest expense to average assets | 2.2807% | 5,470 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9133% | 2,591 |
| Return on assets (ROA) | 0.9133% | 2,737 |
| Pretax return on assets | 0.9133% | 3,712 |
| Return on Equity (ROE) | 7.5739% | 3,177 |
| Retained earnings to average equity (ytd only) | 7.5739% | 1,909 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4058% | 3,733 |
| Assets per employee ($millions) | 5.7594% | 1,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 4,495 |
| Loan loss allowance to noncurrent loans | 88.0330% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.1385% | 3,664 |
| Noncurrent loans to loans | 1.5264% | 3,258 |
| Net loans and leases to total assets | 58.2766% | 3,745 |
| Net loans and leases to deposits | 67.6929% | 3,802 |
| Net loans and leases to core deposits | 71.6088% | 3,865 |
| Total domestic deposits to total assets | 86.0897% | 3,481 |
| Equity capital to assets | 11.8304% | 2,152 |
| Core capital (leverage) ratio | 11.8238% | 1,667 |
| Tier 1 risk-based capital ratio | 18.6258% | 2,148 |
| Total risk-based capital ratio | 19.8758% | 2,121 |
| Memoranda: | ||
| Average total assets | $78,396,000 | 5,406 |
| Average earning assets | $75,188,000 | 5,289 |
| Average equity | $9,453,500 | 5,120 |
| Average total loans | $48,212,000 | 5,122 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2852% | 4,252 |
| Cost of funding earning assets | 0.8923% | 1,980 |
| Net interest margin | 3.3929% | 4,908 |
| Noninterest income to average assets | 0.2608% | 5,600 |
| Noninterest expense to average assets | 2.5335% | 4,983 |
| Loan and lease loss provision to assets | 0.1797% | 3,380 |
| Net operating income to assets | 0.7688% | 3,421 |
| Return on assets (ROA) | 0.8351% | 3,374 |
| Pretax return on assets | 0.8351% | 4,166 |
| Return on Equity (ROE) | 6.8504% | 3,731 |
| Retained earnings to average equity (ytd only) | 6.8504% | 1,640 |
| Net charge-offs to loans | 0.1870% | 3,885 |
| Credit loss provision to net charge-offs | 146.1538% | 1,864 |
| Earnings coverage of net charge-offs (x) | 7.7143% | 2,542 |
| Efficiency ratio | 72.7590% | 3,278 |
| Assets per employee ($millions) | 5.0774% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 4,577 |
| Loan loss allowance to noncurrent loans | 87.1935% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.2145% | 3,632 |
| Noncurrent loans to loans | 1.5043% | 3,346 |
| Net loans and leases to total assets | 63.2279% | 3,014 |
| Net loans and leases to deposits | 73.9492% | 3,094 |
| Net loans and leases to core deposits | 78.8315% | 3,157 |
| Total domestic deposits to total assets | 85.5018% | 3,608 |
| Equity capital to assets | 12.3003% | 1,859 |
| Core capital (leverage) ratio | 12.1269% | 1,492 |
| Tier 1 risk-based capital ratio | 17.8275% | 2,322 |
| Total risk-based capital ratio | 19.0766% | 2,296 |
| Memoranda: | ||
| Average total assets | $74,007,000 | 5,512 |
| Average earning assets | $70,264,800 | 5,419 |
| Average equity | $9,021,400 | 5,217 |
| Average total loans | $48,652,400 | 5,155 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3523% | 4,240 |
| Cost of funding earning assets | 0.9261% | 2,008 |
| Net interest margin | 3.4263% | 4,941 |
| Noninterest income to average assets | 0.2559% | 5,730 |
| Noninterest expense to average assets | 2.4355% | 5,289 |
| Loan and lease loss provision to assets | 0.2414% | 2,637 |
| Net operating income to assets | 0.8221% | 3,332 |
| Return on assets (ROA) | 0.8838% | 3,298 |
| Pretax return on assets | 0.8838% | 4,180 |
| Return on Equity (ROE) | 7.2674% | 3,654 |
| Retained earnings to average equity (ytd only) | 7.2674% | 1,966 |
| Net charge-offs to loans | 0.1947% | 3,560 |
| Credit loss provision to net charge-offs | 187.3239% | 1,477 |
| Earnings coverage of net charge-offs (x) | 8.2539% | 2,476 |
| Efficiency ratio | 69.6058% | 3,767 |
| Assets per employee ($millions) | 5.2571% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 4,805 |
| Loan loss allowance to noncurrent loans | 425.8065% | 888 |
| Noncurrent assets plus other real estate owned to assets | 1.0014% | 4,280 |
| Noncurrent loans to loans | 0.3058% | 5,874 |
| Net loans and leases to total assets | 67.9715% | 2,304 |
| Net loans and leases to deposits | 79.6849% | 2,440 |
| Net loans and leases to core deposits | 85.1364% | 2,564 |
| Total domestic deposits to total assets | 85.3003% | 3,617 |
| Equity capital to assets | 12.5679% | 1,850 |
| Core capital (leverage) ratio | 12.1190% | 1,581 |
| Tier 1 risk-based capital ratio | 16.7499% | 2,872 |
| Total risk-based capital ratio | 17.9797% | 2,843 |
| Memoranda: | ||
| Average total assets | $73,468,500 | 5,589 |
| Average earning assets | $69,539,750 | 5,506 |
| Average equity | $8,934,750 | 5,284 |
| Average total loans | $48,616,750 | 5,215 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3235% | 4,477 |
| Cost of funding earning assets | 0.9470% | 2,083 |
| Net interest margin | 3.3765% | 5,183 |
| Noninterest income to average assets | 0.2424% | 5,843 |
| Noninterest expense to average assets | 2.4324% | 5,351 |
| Loan and lease loss provision to assets | 0.3105% | 2,124 |
| Net operating income to assets | 0.6946% | 3,897 |
| Return on assets (ROA) | 0.7681% | 3,793 |
| Pretax return on assets | 0.7681% | 4,578 |
| Return on Equity (ROE) | 6.3876% | 4,110 |
| Retained earnings to average equity (ytd only) | 6.3876% | 2,451 |
| Net charge-offs to loans | 0.2963% | 2,840 |
| Credit loss provision to net charge-offs | 160.5634% | 1,737 |
| Earnings coverage of net charge-offs (x) | 5.1972% | 2,886 |
| Efficiency ratio | 70.7607% | 3,638 |
| Assets per employee ($millions) | 4.9991% | 2,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 4,898 |
| Loan loss allowance to noncurrent loans | 207.4434% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.9949% | 4,384 |
| Noncurrent loans to loans | 0.6261% | 5,261 |
| Net loans and leases to total assets | 64.9575% | 2,849 |
| Net loans and leases to deposits | 75.0119% | 3,125 |
| Net loans and leases to core deposits | 79.7815% | 3,250 |
| Total domestic deposits to total assets | 86.5962% | 3,013 |
| Equity capital to assets | 11.9822% | 2,163 |
| Core capital (leverage) ratio | 11.9782% | 1,612 |
| Tier 1 risk-based capital ratio | 17.4901% | 2,476 |
| Total risk-based capital ratio | 18.7407% | 2,441 |
| Memoranda: | ||
| Average total assets | $73,424,670 | 5,622 |
| Average earning assets | $69,480,330 | 5,541 |
| Average equity | $8,829,670 | 5,308 |
| Average total loans | $47,926,670 | 5,269 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2697% | 4,853 |
| Cost of funding earning assets | 0.9871% | 2,051 |
| Net interest margin | 3.2826% | 5,524 |
| Noninterest income to average assets | 0.2203% | 6,040 |
| Noninterest expense to average assets | 2.3952% | 5,488 |
| Loan and lease loss provision to assets | 0.2037% | 2,913 |
| Net operating income to assets | 0.7158% | 3,803 |
| Return on assets (ROA) | 0.7984% | 3,622 |
| Pretax return on assets | 0.7984% | 4,418 |
| Return on Equity (ROE) | 6.6271% | 3,973 |
| Retained earnings to average equity (ytd only) | 6.6271% | 2,617 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2591% | 3,388 |
| Assets per employee ($millions) | 5.1694% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 4,971 |
| Loan loss allowance to noncurrent loans | 117.8108% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 1.6858% | 3,331 |
| Noncurrent loans to loans | 1.1133% | 4,468 |
| Net loans and leases to total assets | 66.0195% | 2,464 |
| Net loans and leases to deposits | 76.5738% | 2,715 |
| Net loans and leases to core deposits | 82.1044% | 2,822 |
| Total domestic deposits to total assets | 86.2169% | 3,405 |
| Equity capital to assets | 12.2245% | 1,899 |
| Core capital (leverage) ratio | 12.1535% | 1,503 |
| Tier 1 risk-based capital ratio | 17.4776% | 2,485 |
| Total risk-based capital ratio | 18.7471% | 2,448 |
| Memoranda: | ||
| Average total assets | $72,644,000 | 5,691 |
| Average earning assets | $68,482,500 | 5,613 |
| Average equity | $8,752,000 | 5,347 |
| Average total loans | $47,215,000 | 5,332 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4318% | 5,301 |
| Cost of funding earning assets | 1.2042% | 2,000 |
| Net interest margin | 3.2275% | 6,020 |
| Noninterest income to average assets | 0.1864% | 6,164 |
| Noninterest expense to average assets | 2.6479% | 4,931 |
| Loan and lease loss provision to assets | 0.1694% | 4,522 |
| Net operating income to assets | 0.4282% | 4,742 |
| Return on assets (ROA) | 0.4529% | 4,837 |
| Pretax return on assets | 0.4529% | 5,121 |
| Return on Equity (ROE) | 3.4578% | 5,092 |
| Retained earnings to average equity (ytd only) | 3.4578% | 3,760 |
| Net charge-offs to loans | 0.0838% | 5,485 |
| Credit loss provision to net charge-offs | 305.5556% | 760 |
| Earnings coverage of net charge-offs (x) | 10.7778% | 1,796 |
| Efficiency ratio | 81.5852% | 2,081 |
| Assets per employee ($millions) | 5.2084% | 1,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 4,905 |
| Loan loss allowance to noncurrent loans | 288.8889% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 1.2178% | 4,200 |
| Noncurrent loans to loans | 0.4498% | 5,806 |
| Net loans and leases to total assets | 62.2873% | 3,542 |
| Net loans and leases to deposits | 70.7942% | 3,982 |
| Net loans and leases to core deposits | 76.4291% | 3,919 |
| Total domestic deposits to total assets | 87.9836% | 2,168 |
| Equity capital to assets | 11.8724% | 2,216 |
| Core capital (leverage) ratio | 12.4484% | 1,368 |
| Tier 1 risk-based capital ratio | 17.6456% | 2,323 |
| Total risk-based capital ratio | 18.8867% | 2,290 |
| Memoranda: | ||
| Average total assets | $64,918,200 | 5,900 |
| Average earning assets | $61,533,000 | 5,819 |
| Average equity | $8,502,600 | 5,406 |
| Average total loans | $42,960,400 | 5,564 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4534% | 5,418 |
| Cost of funding earning assets | 1.2628% | 1,917 |
| Net interest margin | 3.1905% | 6,182 |
| Noninterest income to average assets | 0.1695% | 6,375 |
| Noninterest expense to average assets | 2.6362% | 4,951 |
| Loan and lease loss provision to assets | 0.1293% | 4,816 |
| Net operating income to assets | 0.4344% | 4,839 |
| Return on assets (ROA) | 0.4683% | 4,875 |
| Pretax return on assets | 0.4683% | 5,264 |
| Return on Equity (ROE) | 3.4813% | 5,232 |
| Retained earnings to average equity (ytd only) | 3.4813% | 4,261 |
| Net charge-offs to loans | 0.0505% | 5,476 |
| Credit loss provision to net charge-offs | 381.2500% | 745 |
| Earnings coverage of net charge-offs (x) | 16.6273% | 1,392 |
| Efficiency ratio | 82.3841% | 1,912 |
| Assets per employee ($millions) | 4.4941% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 4,932 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 2.0812% | 3,050 |
| Noncurrent loans to loans | 0.5266% | 5,800 |
| Net loans and leases to total assets | 63.3863% | 3,436 |
| Net loans and leases to deposits | 72.7703% | 3,838 |
| Net loans and leases to core deposits | 80.2607% | 3,597 |
| Total domestic deposits to total assets | 87.1047% | 2,590 |
| Equity capital to assets | 12.8271% | 1,703 |
| Core capital (leverage) ratio | 12.7753% | 1,314 |
| Tier 1 risk-based capital ratio | 18.1134% | 2,213 |
| Total risk-based capital ratio | 19.3385% | 2,183 |
| Memoranda: | ||
| Average total assets | $62,918,500 | 6,008 |
| Average earning assets | $59,758,500 | 5,915 |
| Average equity | $8,464,000 | 5,444 |
| Average total loans | $42,196,500 | 5,643 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4603% | 5,487 |
| Cost of funding earning assets | 1.2744% | 2,092 |
| Net interest margin | 3.1860% | 6,209 |
| Noninterest income to average assets | 0.1921% | 6,292 |
| Noninterest expense to average assets | 2.7320% | 4,694 |
| Loan and lease loss provision to assets | 0.1596% | 4,326 |
| Net operating income to assets | 0.3452% | 5,194 |
| Return on assets (ROA) | 0.3777% | 5,185 |
| Pretax return on assets | 0.3777% | 5,462 |
| Return on Equity (ROE) | 2.7609% | 5,497 |
| Retained earnings to average equity (ytd only) | 2.7609% | 4,525 |
| Net charge-offs to loans | 0.0335% | 5,382 |
| Credit loss provision to net charge-offs | 700.0000% | 457 |
| Earnings coverage of net charge-offs (x) | 22.1429% | 1,128 |
| Efficiency ratio | 84.4064% | 1,771 |
| Assets per employee ($millions) | 4.6492% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 5,063 |
| Loan loss allowance to noncurrent loans | 70.9273% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.2260% | 4,446 |
| Noncurrent loans to loans | 1.8329% | 3,707 |
| Net loans and leases to total assets | 66.0204% | 3,026 |
| Net loans and leases to deposits | 76.0472% | 3,461 |
| Net loans and leases to core deposits | 83.7791% | 3,244 |
| Total domestic deposits to total assets | 86.8150% | 2,846 |
| Equity capital to assets | 13.1359% | 1,454 |
| Core capital (leverage) ratio | 13.0611% | 1,134 |
| Tier 1 risk-based capital ratio | 18.4941% | 2,016 |
| Total risk-based capital ratio | 19.7427% | 1,965 |
| Memoranda: | ||
| Average total assets | $61,420,670 | 6,094 |
| Average earning assets | $58,695,000 | 6,000 |
| Average equity | $8,403,000 | 5,492 |
| Average total loans | $41,828,670 | 5,711 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3502% | 5,851 |
| Cost of funding earning assets | 1.2580% | 2,449 |
| Net interest margin | 3.0922% | 6,369 |
| Noninterest income to average assets | 0.1812% | 6,423 |
| Noninterest expense to average assets | 2.7322% | 4,711 |
| Loan and lease loss provision to assets | 0.1141% | 4,586 |
| Net operating income to assets | 0.2887% | 5,465 |
| Return on assets (ROA) | 0.2887% | 5,537 |
| Pretax return on assets | 0.2887% | 5,690 |
| Return on Equity (ROE) | 2.0649% | 5,765 |
| Retained earnings to average equity (ytd only) | 2.0649% | 4,904 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1520% | 1,599 |
| Assets per employee ($millions) | 4.4952% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 5,125 |
| Loan loss allowance to noncurrent loans | 54.4266% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 1.5795% | 3,880 |
| Noncurrent loans to loans | 2.3891% | 3,099 |
| Net loans and leases to total assets | 65.2503% | 3,187 |
| Net loans and leases to deposits | 77.2097% | 3,212 |
| Net loans and leases to core deposits | 83.2722% | 3,263 |
| Total domestic deposits to total assets | 84.5105% | 4,262 |
| Equity capital to assets | 13.2919% | 1,264 |
| Core capital (leverage) ratio | 14.0106% | 846 |
| Tier 1 risk-based capital ratio | 19.3159% | 1,731 |
| Total risk-based capital ratio | 20.5310% | 1,706 |
| Memoranda: | ||
| Average total assets | $59,586,500 | 6,194 |
| Average earning assets | $56,916,500 | 6,105 |
| Average equity | $8,329,500 | 5,510 |
| Average total loans | $40,974,000 | 5,813 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7314% | 5,680 |
| Cost of funding earning assets | 1.4387% | 3,029 |
| Net interest margin | 3.2926% | 6,000 |
| Noninterest income to average assets | 0.2537% | 5,984 |
| Noninterest expense to average assets | 3.2681% | 2,837 |
| Loan and lease loss provision to assets | 0.3410% | 4,104 |
| Net operating income to assets | -0.2801% | 6,196 |
| Return on assets (ROA) | -0.2355% | 6,205 |
| Pretax return on assets | -0.2355% | 6,111 |
| Return on Equity (ROE) | -1.3783% | 6,105 |
| Retained earnings to average equity (ytd only) | -1.3783% | 5,867 |
| Net charge-offs to loans | 0.0151% | 6,675 |
| Credit loss provision to net charge-offs | 3,360.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,471 |
| Efficiency ratio | 98.1707% | 862 |
| Assets per employee ($millions) | 4.0171% | 3,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 5,008 |
| Loan loss allowance to noncurrent loans | 94.7559% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.9833% | 5,042 |
| Noncurrent loans to loans | 1.3707% | 4,428 |
| Net loans and leases to total assets | 70.8019% | 2,354 |
| Net loans and leases to deposits | 85.4870% | 2,184 |
| Net loans and leases to core deposits | 92.2612% | 2,472 |
| Total domestic deposits to total assets | 82.8218% | 4,872 |
| Equity capital to assets | 14.7475% | 850 |
| Core capital (leverage) ratio | 14.8863% | 680 |
| Tier 1 risk-based capital ratio | 19.6054% | 1,574 |
| Total risk-based capital ratio | 20.8546% | 1,539 |
| Memoranda: | ||
| Average total assets | $49,264,800 | 6,566 |
| Average earning assets | $46,012,200 | 6,511 |
| Average equity | $8,416,000 | 5,579 |
| Average total loans | $33,167,200 | 6,252 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7284% | 5,919 |
| Cost of funding earning assets | 1.4695% | 3,149 |
| Net interest margin | 3.2589% | 6,147 |
| Noninterest income to average assets | 0.2581% | 6,054 |
| Noninterest expense to average assets | 3.1929% | 2,951 |
| Loan and lease loss provision to assets | 0.2413% | 4,671 |
| Net operating income to assets | -0.1459% | 6,240 |
| Return on assets (ROA) | -0.0898% | 6,265 |
| Pretax return on assets | -0.0898% | 6,213 |
| Return on Equity (ROE) | -0.5052% | 6,215 |
| Retained earnings to average equity (ytd only) | -0.5052% | 5,919 |
| Net charge-offs to loans | 0.0213% | 6,375 |
| Credit loss provision to net charge-offs | 1,720.0000% | 182 |
| Earnings coverage of net charge-offs (x) | 6.7961% | 2,450 |
| Efficiency ratio | 97.0990% | 865 |
| Assets per employee ($millions) | 3.7309% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 4,964 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 64.2671% | 4,066 |
| Net loans and leases to deposits | 79.1922% | 3,602 |
| Net loans and leases to core deposits | 84.9565% | 3,810 |
| Total domestic deposits to total assets | 81.1533% | 5,318 |
| Equity capital to assets | 16.3616% | 609 |
| Core capital (leverage) ratio | 16.3857% | 504 |
| Tier 1 risk-based capital ratio | 22.4475% | 1,139 |
| Total risk-based capital ratio | 23.6442% | 1,120 |
| Memoranda: | ||
| Average total assets | $47,521,000 | 6,697 |
| Average earning assets | $44,186,000 | 6,651 |
| Average equity | $8,446,500 | 5,640 |
| Average total loans | $31,373,250 | 6,422 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7174% | 6,085 |
| Cost of funding earning assets | 1.4921% | 3,297 |
| Net interest margin | 3.2253% | 6,238 |
| Noninterest income to average assets | 0.2263% | 6,294 |
| Noninterest expense to average assets | 3.2383% | 2,768 |
| Loan and lease loss provision to assets | 0.2960% | 4,022 |
| Net operating income to assets | -0.2786% | 6,452 |
| Return on assets (ROA) | -0.2046% | 6,408 |
| Pretax return on assets | -0.2046% | 6,340 |
| Return on Equity (ROE) | -1.1173% | 6,333 |
| Retained earnings to average equity (ytd only) | -1.1173% | 5,995 |
| Net charge-offs to loans | 0.0328% | 5,891 |
| Credit loss provision to net charge-offs | 1,360.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 0.8000% | 4,971 |
| Efficiency ratio | 99.4652% | 821 |
| Assets per employee ($millions) | 3.7395% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 4,904 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 66.1003% | 3,812 |
| Net loans and leases to deposits | 82.6279% | 3,155 |
| Net loans and leases to core deposits | 89.8552% | 3,293 |
| Total domestic deposits to total assets | 79.9975% | 5,726 |
| Equity capital to assets | 17.3386% | 483 |
| Core capital (leverage) ratio | 17.2636% | 414 |
| Tier 1 risk-based capital ratio | 23.2439% | 1,034 |
| Total risk-based capital ratio | 24.4348% | 1,018 |
| Memoranda: | ||
| Average total assets | $45,950,670 | 6,792 |
| Average earning assets | $43,159,330 | 6,733 |
| Average equity | $8,413,330 | 5,657 |
| Average total loans | $30,494,330 | 6,503 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6599% | 6,375 |
| Cost of funding earning assets | 1.4675% | 3,760 |
| Net interest margin | 3.1924% | 6,315 |
| Noninterest income to average assets | 0.1434% | 6,951 |
| Noninterest expense to average assets | 3.1377% | 3,114 |
| Loan and lease loss provision to assets | 0.4303% | 2,804 |
| Net operating income to assets | -0.4213% | 6,780 |
| Return on assets (ROA) | -0.4213% | 6,814 |
| Pretax return on assets | -0.4213% | 6,731 |
| Return on Equity (ROE) | -2.2366% | 6,663 |
| Retained earnings to average equity (ytd only) | -2.2366% | 6,247 |
| Net charge-offs to loans | 0.0272% | 5,192 |
| Credit loss provision to net charge-offs | 2,400.0000% | 216 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 4,582 |
| Efficiency ratio | 99.7151% | 850 |
| Assets per employee ($millions) | 3.6672% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 4,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 64.7250% | 4,156 |
| Net loans and leases to deposits | 81.3182% | 3,403 |
| Net loans and leases to core deposits | 85.5309% | 3,971 |
| Total domestic deposits to total assets | 79.5947% | 5,916 |
| Equity capital to assets | 17.6092% | 456 |
| Core capital (leverage) ratio | 18.8305% | 316 |
| Tier 1 risk-based capital ratio | 23.7816% | 986 |
| Total risk-based capital ratio | 24.9511% | 970 |
| Memoranda: | ||
| Average total assets | $44,619,000 | 6,933 |
| Average earning assets | $41,975,000 | 6,859 |
| Average equity | $8,405,500 | 5,712 |
| Average total loans | $29,462,500 | 6,634 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2072% | 7,601 |
| Cost of funding earning assets | 1.9124% | 3,393 |
| Net interest margin | 2.2949% | 7,597 |
| Noninterest income to average assets | 0.1176% | 7,167 |
| Noninterest expense to average assets | 4.2564% | 1,033 |
| Loan and lease loss provision to assets | 0.5697% | 3,530 |
| Net operating income to assets | -2.5562% | 7,283 |
| Return on assets (ROA) | -2.5261% | 7,273 |
| Pretax return on assets | -2.5261% | 7,149 |
| Return on Equity (ROE) | -9.5294% | 6,583 |
| Retained earnings to average equity (ytd only) | -9.5294% | 6,480 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 187.5166% | 167 |
| Assets per employee ($millions) | 3.7785% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 4,755 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 65.6842% | 4,238 |
| Net loans and leases to deposits | 85.8279% | 2,946 |
| Net loans and leases to core deposits | 111.0158% | 2,796 |
| Total domestic deposits to total assets | 76.5302% | 6,581 |
| Equity capital to assets | 20.2483% | 283 |
| Core capital (leverage) ratio | 20.5222% | 255 |
| Tier 1 risk-based capital ratio | 27.4333% | 674 |
| Total risk-based capital ratio | 28.6232% | 661 |
| Memoranda: | ||
| Average total assets | $33,173,800 | 7,356 |
| Average earning assets | $31,113,000 | 7,307 |
| Average equity | $8,793,800 | 5,667 |
| Average total loans | $20,688,600 | 7,155 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0946% | 7,776 |
| Cost of funding earning assets | 2.0244% | 3,237 |
| Net interest margin | 2.0702% | 7,786 |
| Noninterest income to average assets | 0.1158% | 7,315 |
| Noninterest expense to average assets | 4.2346% | 994 |
| Loan and lease loss provision to assets | 0.6479% | 2,813 |
| Net operating income to assets | -2.8274% | 7,550 |
| Return on assets (ROA) | -2.7845% | 7,541 |
| Pretax return on assets | -2.7845% | 7,447 |
| Return on Equity (ROE) | -9.7354% | 6,879 |
| Retained earnings to average equity (ytd only) | -9.7354% | 6,782 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 206.0543% | 139 |
| Assets per employee ($millions) | 3.4882% | 4,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 4,489 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 63.6487% | 4,942 |
| Net loans and leases to deposits | 82.3010% | 3,957 |
| Net loans and leases to core deposits | 110.6470% | 3,167 |
| Total domestic deposits to total assets | 77.3365% | 6,255 |
| Equity capital to assets | 22.5254% | 232 |
| Core capital (leverage) ratio | 23.5455% | 197 |
| Tier 1 risk-based capital ratio | 30.9625% | 518 |
| Total risk-based capital ratio | 32.1334% | 508 |
| Memoranda: | ||
| Average total assets | $31,076,250 | 7,499 |
| Average earning assets | $29,110,500 | 7,457 |
| Average equity | $8,888,250 | 5,686 |
| Average total loans | $18,945,500 | 7,326 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9349% | 7,923 |
| Cost of funding earning assets | 2.1199% | 3,188 |
| Net interest margin | 1.8150% | 7,934 |
| Noninterest income to average assets | 0.0768% | 7,599 |
| Noninterest expense to average assets | 4.3289% | 915 |
| Loan and lease loss provision to assets | 0.7261% | 2,255 |
| Net operating income to assets | -3.2746% | 7,724 |
| Return on assets (ROA) | -3.2047% | 7,715 |
| Pretax return on assets | -3.2047% | 7,614 |
| Return on Equity (ROE) | -10.2341% | 7,053 |
| Retained earnings to average equity (ytd only) | -10.2341% | 6,895 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 243.1373% | 123 |
| Assets per employee ($millions) | 2.9996% | 6,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2958% | 4,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 63.4865% | 5,080 |
| Net loans and leases to deposits | 86.6479% | 3,431 |
| Net loans and leases to core deposits | 116.5526% | 2,657 |
| Total domestic deposits to total assets | 73.2695% | 7,072 |
| Equity capital to assets | 26.5214% | 178 |
| Core capital (leverage) ratio | 28.3527% | 157 |
| Tier 1 risk-based capital ratio | 36.2350% | 389 |
| Total risk-based capital ratio | 37.3798% | 386 |
| Memoranda: | ||
| Average total assets | $28,645,000 | 7,656 |
| Average earning assets | $26,887,670 | 7,601 |
| Average equity | $8,970,000 | 5,693 |
| Average total loans | $17,012,670 | 7,486 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7103% | 8,058 |
| Cost of funding earning assets | 2.2035% | 3,149 |
| Net interest margin | 1.5068% | 8,054 |
| Noninterest income to average assets | 0.0302% | 7,927 |
| Noninterest expense to average assets | 4.7451% | 575 |
| Loan and lease loss provision to assets | 0.6498% | 1,945 |
| Net operating income to assets | -3.9593% | 7,975 |
| Return on assets (ROA) | -3.9593% | 7,967 |
| Pretax return on assets | -3.9593% | 7,896 |
| Return on Equity (ROE) | -11.5425% | 7,451 |
| Retained earnings to average equity (ytd only) | -11.5425% | 7,241 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 330.5263% | 67 |
| Assets per employee ($millions) | 2.6014% | 7,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 4,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 57.0610% | 6,090 |
| Net loans and leases to deposits | 83.2339% | 4,101 |
| Net loans and leases to core deposits | 119.5315% | 2,460 |
| Total domestic deposits to total assets | 68.5550% | 7,555 |
| Equity capital to assets | 31.2563% | 132 |
| Core capital (leverage) ratio | 33.7466% | 124 |
| Tier 1 risk-based capital ratio | 46.8671% | 234 |
| Total risk-based capital ratio | 47.9992% | 235 |
| Memoranda: | ||
| Average total assets | $26,469,500 | 7,781 |
| Average earning assets | $24,688,000 | 7,735 |
| Average equity | $9,079,500 | 5,679 |
| Average total loans | $14,907,500 | 7,640 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5145% | 8,247 |
| Cost of funding earning assets | 0.8237% | 8,114 |
| Net interest margin | 0.6908% | 8,251 |
| Noninterest income to average assets | 0.5397% | 4,326 |
| Noninterest expense to average assets | 6.1700% | 380 |
| Loan and lease loss provision to assets | 0.7867% | 1,895 |
| Net operating income to assets | -5.8224% | 8,142 |
| Return on assets (ROA) | -5.8224% | 8,133 |
| Pretax return on assets | -5.8224% | 8,090 |
| Return on Equity (ROE) | -13.6588% | 7,528 |
| Retained earnings to average equity (ytd only) | -13.6588% | 7,382 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 543.9516% | 38 |
| Assets per employee ($millions) | 2.4324% | 7,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 3,814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 53.8563% | 6,673 |
| Net loans and leases to deposits | 87.0085% | 3,945 |
| Net loans and leases to core deposits | 137.5039% | 1,410 |
| Total domestic deposits to total assets | 61.8977% | 7,890 |
| Equity capital to assets | 37.8844% | 111 |
| Core capital (leverage) ratio | 41.2655% | 105 |
| Tier 1 risk-based capital ratio | 59.5812% | 154 |
| Total risk-based capital ratio | 60.6997% | 155 |
| Memoranda: | ||
| Average total assets | $21,864,000 | 7,952 |
| Average earning assets | $18,818,500 | 7,976 |
| Average equity | $9,320,000 | 5,626 |
| Average total loans | $10,180,000 | 7,929 |