Home > Heritage Community Bank > Performance and Condition Ratios
Heritage Community Bank, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4674% | 2,407 |
| Cost of funding earning assets | 0.4943% | 3,234 |
| Net interest margin | 3.9731% | 2,038 |
| Noninterest income to average assets | 0.9350% | 1,093 |
| Noninterest expense to average assets | 3.4904% | 992 |
| Loan and lease loss provision to assets | 0.2367% | 678 |
| Net operating income to assets | 0.5859% | 4,538 |
| Return on assets (ROA) | 0.5859% | 4,548 |
| Pretax return on assets | 0.7658% | 4,382 |
| Return on Equity (ROE) | 5.7387% | 4,342 |
| Retained earnings to average equity (ytd only) | 3.4200% | 4,052 |
| Net charge-offs to loans | 0.3587% | 453 |
| Credit loss provision to net charge-offs | 87.7193% | 2,446 |
| Earnings coverage of net charge-offs (x) | 3.7150% | 3,135 |
| Efficiency ratio | 77.6870% | 1,149 |
| Assets per employee ($millions) | 3.8181% | 4,154 |
| Cash dividends to net income (ytd only)* | 40.4043% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9215% | 4,176 |
| Loan loss allowance to noncurrent loans | 48.1898% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 1.6157% | 770 |
| Noncurrent loans to loans | 1.9122% | 788 |
| Net loans and leases to total assets | 74.9657% | 1,819 |
| Net loans and leases to deposits | 88.5944% | 2,077 |
| Net loans and leases to core deposits | 89.8274% | 2,675 |
| Total domestic deposits to total assets | 84.6167% | 2,755 |
| Equity capital to assets | 10.4458% | 3,194 |
| Core capital (leverage) ratio | 10.4659% | 3,117 |
| Tier 1 risk-based capital ratio | 13.3432% | 3,711 |
| Total risk-based capital ratio | 14.2208% | 3,833 |
| Memoranda: | ||
| Average total assets | $112,648,500 | 3,942 |
| Average earning assets | $100,876,250 | 4,000 |
| Average equity | $11,500,500 | 4,129 |
| Average total loans | $84,750,250 | 3,606 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4048% | 2,397 |
| Cost of funding earning assets | 0.4495% | 3,363 |
| Net interest margin | 3.9552% | 2,018 |
| Noninterest income to average assets | 0.9586% | 1,030 |
| Noninterest expense to average assets | 3.4884% | 1,009 |
| Loan and lease loss provision to assets | 0.3495% | 376 |
| Net operating income to assets | 0.5384% | 4,656 |
| Return on assets (ROA) | 0.5384% | 4,663 |
| Pretax return on assets | 0.6620% | 4,613 |
| Return on Equity (ROE) | 5.3142% | 4,456 |
| Retained earnings to average equity (ytd only) | 5.3142% | 2,927 |
| Net charge-offs to loans | 0.5242% | 284 |
| Credit loss provision to net charge-offs | 88.7892% | 2,171 |
| Earnings coverage of net charge-offs (x) | 2.5695% | 2,962 |
| Efficiency ratio | 77.5206% | 1,245 |
| Assets per employee ($millions) | 3.8609% | 4,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9182% | 4,257 |
| Loan loss allowance to noncurrent loans | 87.3732% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 0.9592% | 1,568 |
| Noncurrent loans to loans | 1.0509% | 1,670 |
| Net loans and leases to total assets | 74.6923% | 1,835 |
| Net loans and leases to deposits | 88.1030% | 2,099 |
| Net loans and leases to core deposits | 89.0723% | 2,641 |
| Total domestic deposits to total assets | 84.7784% | 2,761 |
| Equity capital to assets | 10.3630% | 3,263 |
| Core capital (leverage) ratio | 10.5312% | 3,002 |
| Tier 1 risk-based capital ratio | 13.3571% | 3,702 |
| Total risk-based capital ratio | 14.2348% | 3,823 |
| Memoranda: | ||
| Average total assets | $113,290,000 | 3,962 |
| Average earning assets | $101,435,000 | 4,024 |
| Average equity | $11,478,670 | 4,162 |
| Average total loans | $85,074,670 | 3,624 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3776% | 2,272 |
| Cost of funding earning assets | 0.4311% | 3,362 |
| Net interest margin | 3.9465% | 1,875 |
| Noninterest income to average assets | 1.0355% | 844 |
| Noninterest expense to average assets | 3.5102% | 983 |
| Loan and lease loss provision to assets | 0.3931% | 288 |
| Net operating income to assets | 0.5160% | 4,651 |
| Return on assets (ROA) | 0.5160% | 4,650 |
| Pretax return on assets | 0.6669% | 4,525 |
| Return on Equity (ROE) | 5.1504% | 4,440 |
| Retained earnings to average equity (ytd only) | 5.1504% | 3,099 |
| Net charge-offs to loans | 1.0163% | 140 |
| Credit loss provision to net charge-offs | 51.6129% | 1,939 |
| Earnings coverage of net charge-offs (x) | 1.3917% | 2,562 |
| Efficiency ratio | 76.8049% | 1,485 |
| Assets per employee ($millions) | 3.5805% | 4,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8335% | 4,693 |
| Loan loss allowance to noncurrent loans | 78.3540% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 0.9676% | 1,632 |
| Noncurrent loans to loans | 1.0638% | 1,720 |
| Net loans and leases to total assets | 74.4930% | 1,787 |
| Net loans and leases to deposits | 87.8954% | 1,942 |
| Net loans and leases to core deposits | 88.8694% | 2,559 |
| Total domestic deposits to total assets | 84.7518% | 3,018 |
| Equity capital to assets | 10.3165% | 3,260 |
| Core capital (leverage) ratio | 10.1270% | 3,392 |
| Tier 1 risk-based capital ratio | 13.2385% | 3,821 |
| Total risk-based capital ratio | 14.0323% | 3,958 |
| Memoranda: | ||
| Average total assets | $113,952,000 | 3,994 |
| Average earning assets | $102,065,500 | 4,057 |
| Average equity | $11,416,500 | 4,204 |
| Average total loans | $85,409,500 | 3,641 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2506% | 2,491 |
| Cost of funding earning assets | 0.3171% | 3,984 |
| Net interest margin | 3.9335% | 1,974 |
| Noninterest income to average assets | 0.9004% | 1,267 |
| Noninterest expense to average assets | 3.4933% | 1,051 |
| Loan and lease loss provision to assets | 0.0044% | 4,163 |
| Net operating income to assets | 0.4729% | 4,449 |
| Return on assets (ROA) | 0.4729% | 4,481 |
| Pretax return on assets | 0.9309% | 3,808 |
| Return on Equity (ROE) | 4.7827% | 4,253 |
| Retained earnings to average equity (ytd only) | 2.7972% | 3,633 |
| Net charge-offs to loans | 0.0300% | 3,198 |
| Credit loss provision to net charge-offs | 19.2308% | 3,618 |
| Earnings coverage of net charge-offs (x) | 41.2308% | 1,239 |
| Efficiency ratio | 78.8810% | 1,242 |
| Assets per employee ($millions) | 3.6533% | 4,500 |
| Cash dividends to net income (ytd only)* | 41.5129% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 4,392 |
| Loan loss allowance to noncurrent loans | 71.8778% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.1120% | 1,358 |
| Noncurrent loans to loans | 1.2729% | 1,381 |
| Net loans and leases to total assets | 74.1093% | 1,901 |
| Net loans and leases to deposits | 89.4237% | 1,843 |
| Net loans and leases to core deposits | 90.3817% | 2,526 |
| Total domestic deposits to total assets | 82.8744% | 3,604 |
| Equity capital to assets | 9.7359% | 3,984 |
| Core capital (leverage) ratio | 9.9919% | 3,467 |
| Tier 1 risk-based capital ratio | 12.3561% | 4,291 |
| Total risk-based capital ratio | 13.2200% | 4,437 |
| Memoranda: | ||
| Average total assets | $114,618,200 | 3,985 |
| Average earning assets | $102,808,400 | 4,050 |
| Average equity | $11,332,600 | 4,249 |
| Average total loans | $86,624,600 | 3,595 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2446% | 2,451 |
| Cost of funding earning assets | 0.3151% | 3,986 |
| Net interest margin | 3.9295% | 1,931 |
| Noninterest income to average assets | 0.8780% | 1,345 |
| Noninterest expense to average assets | 3.5119% | 977 |
| Loan and lease loss provision to assets | 0.0047% | 4,027 |
| Net operating income to assets | 0.6243% | 4,297 |
| Return on assets (ROA) | 0.6243% | 4,347 |
| Pretax return on assets | 0.8897% | 4,075 |
| Return on Equity (ROE) | 6.2894% | 3,987 |
| Retained earnings to average equity (ytd only) | 3.6394% | 3,759 |
| Net charge-offs to loans | -0.0139% | 4,738 |
| Credit loss provision to net charge-offs | -44.4444% | 4,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7028% | 1,143 |
| Assets per employee ($millions) | 3.9563% | 4,061 |
| Cash dividends to net income (ytd only)* | 42.1346% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 4,286 |
| Loan loss allowance to noncurrent loans | 595.7143% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.2850% | 3,927 |
| Noncurrent loans to loans | 0.1609% | 4,417 |
| Net loans and leases to total assets | 75.0867% | 1,751 |
| Net loans and leases to deposits | 90.1066% | 1,798 |
| Net loans and leases to core deposits | 90.8429% | 2,542 |
| Total domestic deposits to total assets | 83.3310% | 3,351 |
| Equity capital to assets | 9.9787% | 3,930 |
| Core capital (leverage) ratio | 10.0716% | 3,478 |
| Tier 1 risk-based capital ratio | 12.5376% | 4,296 |
| Total risk-based capital ratio | 13.4525% | 4,390 |
| Memoranda: | ||
| Average total assets | $114,046,000 | 4,036 |
| Average earning assets | $102,401,750 | 4,100 |
| Average equity | $11,320,250 | 4,293 |
| Average total loans | $86,421,000 | 3,626 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2266% | 2,373 |
| Cost of funding earning assets | 0.3096% | 3,981 |
| Net interest margin | 3.9170% | 1,868 |
| Noninterest income to average assets | 0.8891% | 1,306 |
| Noninterest expense to average assets | 3.5232% | 976 |
| Loan and lease loss provision to assets | 0.0035% | 3,831 |
| Net operating income to assets | 0.6185% | 4,220 |
| Return on assets (ROA) | 0.6185% | 4,266 |
| Pretax return on assets | 0.8751% | 4,013 |
| Return on Equity (ROE) | 6.2426% | 3,939 |
| Retained earnings to average equity (ytd only) | 6.2426% | 1,996 |
| Net charge-offs to loans | 0.0023% | 3,429 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 500.0000% | 167 |
| Efficiency ratio | 80.0399% | 1,205 |
| Assets per employee ($millions) | 3.9338% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9525% | 4,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1709% | 4,503 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 74.9305% | 1,706 |
| Net loans and leases to deposits | 90.0131% | 1,728 |
| Net loans and leases to core deposits | 90.7527% | 2,457 |
| Total domestic deposits to total assets | 83.2441% | 3,486 |
| Equity capital to assets | 10.0790% | 3,820 |
| Core capital (leverage) ratio | 10.1184% | 3,382 |
| Tier 1 risk-based capital ratio | 12.6065% | 4,237 |
| Total risk-based capital ratio | 13.5094% | 4,339 |
| Memoranda: | ||
| Average total assets | $113,816,670 | 4,063 |
| Average earning assets | $102,067,670 | 4,129 |
| Average equity | $11,277,330 | 4,311 |
| Average total loans | $86,233,330 | 3,653 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1658% | 2,403 |
| Cost of funding earning assets | 0.3063% | 3,980 |
| Net interest margin | 3.8596% | 1,923 |
| Noninterest income to average assets | 0.8585% | 1,374 |
| Noninterest expense to average assets | 3.5959% | 899 |
| Loan and lease loss provision to assets | 0.0035% | 3,512 |
| Net operating income to assets | 0.5348% | 4,444 |
| Return on assets (ROA) | 0.5348% | 4,485 |
| Pretax return on assets | 0.7178% | 4,392 |
| Return on Equity (ROE) | 5.4446% | 4,171 |
| Retained earnings to average equity (ytd only) | 5.4446% | 2,631 |
| Net charge-offs to loans | 0.0046% | 2,816 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 205.0000% | 273 |
| Efficiency ratio | 83.2926% | 1,037 |
| Assets per employee ($millions) | 3.7951% | 4,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9601% | 4,492 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 4,560 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 74.4794% | 1,664 |
| Net loans and leases to deposits | 90.8650% | 1,441 |
| Net loans and leases to core deposits | 91.6259% | 2,203 |
| Total domestic deposits to total assets | 81.9671% | 4,177 |
| Equity capital to assets | 9.8882% | 3,888 |
| Core capital (leverage) ratio | 9.9476% | 3,569 |
| Tier 1 risk-based capital ratio | 12.3940% | 4,451 |
| Total risk-based capital ratio | 13.2973% | 4,578 |
| Memoranda: | ||
| Average total assets | $113,685,500 | 4,103 |
| Average earning assets | $101,877,000 | 4,175 |
| Average equity | $11,167,000 | 4,354 |
| Average total loans | $86,199,000 | 3,682 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2954% | 2,158 |
| Cost of funding earning assets | 0.2869% | 4,201 |
| Net interest margin | 4.0085% | 1,614 |
| Noninterest income to average assets | 0.8629% | 1,526 |
| Noninterest expense to average assets | 3.6722% | 917 |
| Loan and lease loss provision to assets | 0.0421% | 3,542 |
| Net operating income to assets | 0.4642% | 4,756 |
| Return on assets (ROA) | 0.4642% | 4,838 |
| Pretax return on assets | 0.6792% | 4,558 |
| Return on Equity (ROE) | 4.7406% | 4,541 |
| Retained earnings to average equity (ytd only) | 3.9718% | 3,095 |
| Net charge-offs to loans | 0.0212% | 3,626 |
| Credit loss provision to net charge-offs | 261.1111% | 1,104 |
| Earnings coverage of net charge-offs (x) | 44.7222% | 1,087 |
| Efficiency ratio | 83.5815% | 1,051 |
| Assets per employee ($millions) | 3.7839% | 4,336 |
| Cash dividends to net income (ytd only)* | 16.2162% | 3,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 4,599 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 4,578 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 75.7219% | 1,555 |
| Net loans and leases to deposits | 92.2158% | 1,423 |
| Net loans and leases to core deposits | 99.4194% | 1,673 |
| Total domestic deposits to total assets | 82.1138% | 4,045 |
| Equity capital to assets | 9.7570% | 4,002 |
| Core capital (leverage) ratio | 9.8389% | 3,701 |
| Tier 1 risk-based capital ratio | 12.1747% | 4,597 |
| Total risk-based capital ratio | 13.0731% | 4,742 |
| Memoranda: | ||
| Average total assets | $111,596,600 | 4,134 |
| Average earning assets | $98,292,200 | 4,234 |
| Average equity | $10,927,000 | 4,435 |
| Average total loans | $84,924,000 | 3,687 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3214% | 2,101 |
| Cost of funding earning assets | 0.2917% | 4,193 |
| Net interest margin | 4.0297% | 1,578 |
| Noninterest income to average assets | 0.8735% | 1,499 |
| Noninterest expense to average assets | 3.7353% | 809 |
| Loan and lease loss provision to assets | 0.0324% | 3,581 |
| Net operating income to assets | 0.4188% | 4,963 |
| Return on assets (ROA) | 0.4188% | 5,051 |
| Pretax return on assets | 0.6360% | 4,773 |
| Return on Equity (ROE) | 4.2730% | 4,805 |
| Retained earnings to average equity (ytd only) | 3.2323% | 3,975 |
| Net charge-offs to loans | 0.0268% | 3,129 |
| Credit loss provision to net charge-offs | 158.8235% | 1,710 |
| Earnings coverage of net charge-offs (x) | 32.7592% | 1,411 |
| Efficiency ratio | 84.8229% | 921 |
| Assets per employee ($millions) | 3.6487% | 4,574 |
| Cash dividends to net income (ytd only)* | 24.3553% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 4,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 75.1819% | 1,671 |
| Net loans and leases to deposits | 89.2133% | 1,854 |
| Net loans and leases to core deposits | 98.1170% | 1,801 |
| Total domestic deposits to total assets | 84.2721% | 3,110 |
| Equity capital to assets | 9.7497% | 4,419 |
| Core capital (leverage) ratio | 9.6330% | 4,015 |
| Tier 1 risk-based capital ratio | 12.0146% | 4,780 |
| Total risk-based capital ratio | 12.8941% | 4,919 |
| Memoranda: | ||
| Average total assets | $111,116,250 | 4,168 |
| Average earning assets | $97,341,750 | 4,286 |
| Average equity | $10,889,750 | 4,482 |
| Average total loans | $84,460,250 | 3,717 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2597% | 2,301 |
| Cost of funding earning assets | 0.2893% | 4,253 |
| Net interest margin | 3.9704% | 1,736 |
| Noninterest income to average assets | 0.8692% | 1,480 |
| Noninterest expense to average assets | 3.7863% | 786 |
| Loan and lease loss provision to assets | 0.0398% | 3,358 |
| Net operating income to assets | 0.3966% | 5,047 |
| Return on assets (ROA) | 0.3966% | 5,124 |
| Pretax return on assets | 0.5722% | 4,966 |
| Return on Equity (ROE) | 4.0392% | 4,896 |
| Retained earnings to average equity (ytd only) | 4.0392% | 3,334 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0848% | 874 |
| Assets per employee ($millions) | 3.5541% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9428% | 4,793 |
| Loan loss allowance to noncurrent loans | 6,261.5385% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.7201% | 2,820 |
| Noncurrent loans to loans | 0.0151% | 5,423 |
| Net loans and leases to total assets | 75.2020% | 1,615 |
| Net loans and leases to deposits | 88.1905% | 1,972 |
| Net loans and leases to core deposits | 99.6017% | 1,665 |
| Total domestic deposits to total assets | 85.2723% | 2,746 |
| Equity capital to assets | 9.6517% | 4,611 |
| Core capital (leverage) ratio | 9.5991% | 4,073 |
| Tier 1 risk-based capital ratio | 12.0035% | 4,827 |
| Total risk-based capital ratio | 12.8991% | 4,962 |
| Memoranda: | ||
| Average total assets | $110,451,330 | 4,218 |
| Average earning assets | $98,175,670 | 4,303 |
| Average equity | $10,843,670 | 4,518 |
| Average total loans | $84,000,000 | 3,744 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2552% | 2,283 |
| Cost of funding earning assets | 0.2892% | 4,285 |
| Net interest margin | 3.9660% | 1,726 |
| Noninterest income to average assets | 0.8308% | 1,515 |
| Noninterest expense to average assets | 3.8158% | 757 |
| Loan and lease loss provision to assets | 0.0110% | 3,549 |
| Net operating income to assets | 0.3786% | 5,057 |
| Return on assets (ROA) | 0.3786% | 5,129 |
| Pretax return on assets | 0.5330% | 5,001 |
| Return on Equity (ROE) | 3.8230% | 4,951 |
| Retained earnings to average equity (ytd only) | 3.8230% | 3,584 |
| Net charge-offs to loans | 0.0048% | 2,953 |
| Credit loss provision to net charge-offs | 300.0000% | 841 |
| Earnings coverage of net charge-offs (x) | 148.0000% | 404 |
| Efficiency ratio | 87.5211% | 848 |
| Assets per employee ($millions) | 3.4433% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 4,888 |
| Loan loss allowance to noncurrent loans | 132.5543% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.6707% | 3,045 |
| Noncurrent loans to loans | 0.7113% | 3,065 |
| Net loans and leases to total assets | 75.7031% | 1,436 |
| Net loans and leases to deposits | 89.2721% | 1,666 |
| Net loans and leases to core deposits | 101.3819% | 1,379 |
| Total domestic deposits to total assets | 84.8004% | 3,201 |
| Equity capital to assets | 9.8342% | 4,298 |
| Core capital (leverage) ratio | 9.8273% | 3,743 |
| Tier 1 risk-based capital ratio | 12.2095% | 4,774 |
| Total risk-based capital ratio | 13.1074% | 4,909 |
| Memoranda: | ||
| Average total assets | $108,811,500 | 4,286 |
| Average earning assets | $96,822,500 | 4,366 |
| Average equity | $10,777,000 | 4,542 |
| Average total loans | $82,829,000 | 3,785 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4484% | 1,751 |
| Cost of funding earning assets | 0.2477% | 4,808 |
| Net interest margin | 4.2006% | 1,175 |
| Noninterest income to average assets | 0.9641% | 1,283 |
| Noninterest expense to average assets | 3.9037% | 755 |
| Loan and lease loss provision to assets | 0.0135% | 4,134 |
| Net operating income to assets | 0.4444% | 4,903 |
| Return on assets (ROA) | 0.4444% | 4,985 |
| Pretax return on assets | 0.7487% | 4,370 |
| Return on Equity (ROE) | 4.3145% | 4,812 |
| Retained earnings to average equity (ytd only) | 2.2135% | 4,460 |
| Net charge-offs to loans | 0.0328% | 3,559 |
| Credit loss provision to net charge-offs | 53.8462% | 3,349 |
| Earnings coverage of net charge-offs (x) | 30.3462% | 1,448 |
| Efficiency ratio | 83.6646% | 1,211 |
| Assets per employee ($millions) | 3.7047% | 4,468 |
| Cash dividends to net income (ytd only)* | 48.6957% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 4,750 |
| Loan loss allowance to noncurrent loans | 102.7237% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 0.7893% | 2,701 |
| Noncurrent loans to loans | 0.9466% | 2,441 |
| Net loans and leases to total assets | 75.0745% | 1,559 |
| Net loans and leases to deposits | 89.7276% | 1,646 |
| Net loans and leases to core deposits | 98.8383% | 1,606 |
| Total domestic deposits to total assets | 83.6693% | 3,605 |
| Equity capital to assets | 9.9762% | 3,987 |
| Core capital (leverage) ratio | 9.9798% | 3,537 |
| Tier 1 risk-based capital ratio | 12.5537% | 4,594 |
| Total risk-based capital ratio | 13.4849% | 4,706 |
| Memoranda: | ||
| Average total assets | $103,518,200 | 4,394 |
| Average earning assets | $91,224,000 | 4,478 |
| Average equity | $10,661,800 | 4,543 |
| Average total loans | $79,154,200 | 3,853 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4780% | 1,667 |
| Cost of funding earning assets | 0.2514% | 4,871 |
| Net interest margin | 4.2266% | 1,111 |
| Noninterest income to average assets | 0.9687% | 1,266 |
| Noninterest expense to average assets | 3.9230% | 725 |
| Loan and lease loss provision to assets | 0.0169% | 3,934 |
| Net operating income to assets | 0.4902% | 4,829 |
| Return on assets (ROA) | 0.4902% | 4,918 |
| Pretax return on assets | 0.7451% | 4,517 |
| Return on Equity (ROE) | 4.7207% | 4,747 |
| Retained earnings to average equity (ytd only) | 1.9284% | 4,917 |
| Net charge-offs to loans | 0.0645% | 2,656 |
| Credit loss provision to net charge-offs | 34.2105% | 3,229 |
| Earnings coverage of net charge-offs (x) | 15.4196% | 2,181 |
| Efficiency ratio | 83.7358% | 1,200 |
| Assets per employee ($millions) | 3.1240% | 5,397 |
| Cash dividends to net income (ytd only)* | 59.1525% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 4,786 |
| Loan loss allowance to noncurrent loans | 89.3349% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 0.9070% | 2,604 |
| Noncurrent loans to loans | 1.1117% | 2,275 |
| Net loans and leases to total assets | 75.3276% | 1,488 |
| Net loans and leases to deposits | 88.9918% | 1,771 |
| Net loans and leases to core deposits | 95.5637% | 1,927 |
| Total domestic deposits to total assets | 84.6456% | 3,156 |
| Equity capital to assets | 10.3375% | 3,773 |
| Core capital (leverage) ratio | 10.1657% | 3,420 |
| Tier 1 risk-based capital ratio | 12.8510% | 4,523 |
| Total risk-based capital ratio | 13.7946% | 4,629 |
| Memoranda: | ||
| Average total assets | $102,538,750 | 4,459 |
| Average earning assets | $90,157,250 | 4,553 |
| Average equity | $10,647,750 | 4,597 |
| Average total loans | $78,580,500 | 3,905 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5209% | 1,473 |
| Cost of funding earning assets | 0.2517% | 4,921 |
| Net interest margin | 4.2693% | 979 |
| Noninterest income to average assets | 0.9379% | 1,338 |
| Noninterest expense to average assets | 3.9080% | 757 |
| Loan and lease loss provision to assets | 0.0195% | 3,739 |
| Net operating income to assets | 0.5080% | 4,730 |
| Return on assets (ROA) | 0.5080% | 4,841 |
| Pretax return on assets | 0.7562% | 4,467 |
| Return on Equity (ROE) | 4.8851% | 4,671 |
| Retained earnings to average equity (ytd only) | 4.8851% | 2,934 |
| Net charge-offs to loans | 0.0814% | 2,238 |
| Credit loss provision to net charge-offs | 31.2500% | 2,913 |
| Earnings coverage of net charge-offs (x) | 12.4063% | 2,209 |
| Efficiency ratio | 83.4376% | 1,322 |
| Assets per employee ($millions) | 3.1018% | 5,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 4,917 |
| Loan loss allowance to noncurrent loans | 91.8919% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 0.8929% | 2,755 |
| Noncurrent loans to loans | 1.0774% | 2,491 |
| Net loans and leases to total assets | 76.4048% | 1,313 |
| Net loans and leases to deposits | 87.4164% | 1,894 |
| Net loans and leases to core deposits | 98.6068% | 1,602 |
| Total domestic deposits to total assets | 87.4033% | 1,963 |
| Equity capital to assets | 10.5148% | 3,421 |
| Core capital (leverage) ratio | 10.3131% | 3,206 |
| Tier 1 risk-based capital ratio | 13.1648% | 4,420 |
| Total risk-based capital ratio | 14.1256% | 4,500 |
| Memoranda: | ||
| Average total assets | $102,354,670 | 4,508 |
| Average earning assets | $89,805,000 | 4,601 |
| Average equity | $10,644,670 | 4,631 |
| Average total loans | $78,629,000 | 3,929 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4630% | 1,576 |
| Cost of funding earning assets | 0.2561% | 4,947 |
| Net interest margin | 4.2069% | 1,044 |
| Noninterest income to average assets | 0.9379% | 1,271 |
| Noninterest expense to average assets | 3.8260% | 849 |
| Loan and lease loss provision to assets | 0.0430% | 3,053 |
| Net operating income to assets | 0.5823% | 4,353 |
| Return on assets (ROA) | 0.5823% | 4,458 |
| Pretax return on assets | 0.8559% | 4,040 |
| Return on Equity (ROE) | 5.6303% | 4,215 |
| Retained earnings to average equity (ytd only) | 5.6303% | 2,696 |
| Net charge-offs to loans | 0.0714% | 2,010 |
| Credit loss provision to net charge-offs | 78.5714% | 1,841 |
| Earnings coverage of net charge-offs (x) | 16.4286% | 1,568 |
| Efficiency ratio | 80.9760% | 1,761 |
| Assets per employee ($millions) | 3.1014% | 5,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 4,906 |
| Loan loss allowance to noncurrent loans | 310.4651% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 4,732 |
| Noncurrent loans to loans | 0.3298% | 4,613 |
| Net loans and leases to total assets | 75.6593% | 1,258 |
| Net loans and leases to deposits | 87.9533% | 1,615 |
| Net loans and leases to core deposits | 97.5412% | 1,513 |
| Total domestic deposits to total assets | 86.0221% | 2,925 |
| Equity capital to assets | 10.4214% | 3,620 |
| Core capital (leverage) ratio | 10.1605% | 3,387 |
| Tier 1 risk-based capital ratio | 13.1941% | 4,503 |
| Total risk-based capital ratio | 14.1908% | 4,554 |
| Memoranda: | ||
| Average total assets | $102,352,000 | 4,546 |
| Average earning assets | $92,134,500 | 4,592 |
| Average equity | $10,585,500 | 4,680 |
| Average total loans | $78,448,500 | 3,948 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7342% | 1,230 |
| Cost of funding earning assets | 0.2447% | 5,383 |
| Net interest margin | 4.4894% | 765 |
| Noninterest income to average assets | 0.9827% | 1,253 |
| Noninterest expense to average assets | 4.0526% | 709 |
| Loan and lease loss provision to assets | 0.0359% | 3,871 |
| Net operating income to assets | 0.6325% | 4,222 |
| Return on assets (ROA) | 0.6325% | 4,328 |
| Pretax return on assets | 0.8291% | 4,145 |
| Return on Equity (ROE) | 6.1400% | 4,079 |
| Retained earnings to average equity (ytd only) | 3.7188% | 3,569 |
| Net charge-offs to loans | 0.0157% | 4,557 |
| Credit loss provision to net charge-offs | 300.0000% | 864 |
| Earnings coverage of net charge-offs (x) | 72.2500% | 692 |
| Efficiency ratio | 82.4102% | 1,613 |
| Assets per employee ($millions) | 3.1017% | 5,562 |
| Cash dividends to net income (ytd only)* | 39.4322% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 4,936 |
| Loan loss allowance to noncurrent loans | 304.5455% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.3517% | 4,647 |
| Noncurrent loans to loans | 0.3356% | 4,646 |
| Net loans and leases to total assets | 76.0642% | 1,258 |
| Net loans and leases to deposits | 90.9970% | 1,399 |
| Net loans and leases to core deposits | 99.7042% | 1,410 |
| Total domestic deposits to total assets | 83.5898% | 3,886 |
| Equity capital to assets | 10.2631% | 3,772 |
| Core capital (leverage) ratio | 10.2619% | 3,227 |
| Tier 1 risk-based capital ratio | 12.9057% | 4,791 |
| Total risk-based capital ratio | 13.8981% | 4,861 |
| Memoranda: | ||
| Average total assets | $100,232,000 | 4,591 |
| Average earning assets | $87,850,600 | 4,702 |
| Average equity | $10,325,800 | 4,687 |
| Average total loans | $76,392,400 | 3,985 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7922% | 1,118 |
| Cost of funding earning assets | 0.2456% | 5,450 |
| Net interest margin | 4.5466% | 687 |
| Noninterest income to average assets | 0.9896% | 1,253 |
| Noninterest expense to average assets | 4.0012% | 754 |
| Loan and lease loss provision to assets | 0.0455% | 3,483 |
| Net operating income to assets | 0.5684% | 4,601 |
| Return on assets (ROA) | 0.5684% | 4,673 |
| Pretax return on assets | 0.9040% | 3,964 |
| Return on Equity (ROE) | 5.5116% | 4,482 |
| Retained earnings to average equity (ytd only) | 2.2695% | 4,922 |
| Net charge-offs to loans | 0.0176% | 4,181 |
| Credit loss provision to net charge-offs | 340.0000% | 824 |
| Earnings coverage of net charge-offs (x) | 71.0158% | 771 |
| Efficiency ratio | 80.8212% | 1,791 |
| Assets per employee ($millions) | 2.9436% | 5,791 |
| Cash dividends to net income (ytd only)* | 58.8247% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 4,976 |
| Loan loss allowance to noncurrent loans | 390.2913% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 4,802 |
| Noncurrent loans to loans | 0.2699% | 5,105 |
| Net loans and leases to total assets | 75.4674% | 1,293 |
| Net loans and leases to deposits | 90.2152% | 1,404 |
| Net loans and leases to core deposits | 94.6195% | 1,794 |
| Total domestic deposits to total assets | 83.6526% | 3,897 |
| Equity capital to assets | 10.3024% | 3,783 |
| Core capital (leverage) ratio | 10.0803% | 3,557 |
| Tier 1 risk-based capital ratio | 12.8402% | 4,957 |
| Total risk-based capital ratio | 13.8478% | 5,033 |
| Memoranda: | ||
| Average total assets | $99,700,750 | 4,648 |
| Average earning assets | $86,861,000 | 4,774 |
| Average equity | $10,281,000 | 4,732 |
| Average total loans | $75,825,250 | 4,037 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7859% | 1,096 |
| Cost of funding earning assets | 0.2463% | 5,521 |
| Net interest margin | 4.5396% | 653 |
| Noninterest income to average assets | 1.0003% | 1,199 |
| Noninterest expense to average assets | 3.9790% | 783 |
| Loan and lease loss provision to assets | 0.0582% | 3,123 |
| Net operating income to assets | 0.5805% | 4,449 |
| Return on assets (ROA) | 0.5805% | 4,551 |
| Pretax return on assets | 0.9239% | 3,788 |
| Return on Equity (ROE) | 5.6275% | 4,370 |
| Retained earnings to average equity (ytd only) | 5.6275% | 2,560 |
| Net charge-offs to loans | 0.0159% | 3,912 |
| Credit loss provision to net charge-offs | 483.3333% | 608 |
| Earnings coverage of net charge-offs (x) | 81.5000% | 650 |
| Efficiency ratio | 80.2024% | 1,992 |
| Assets per employee ($millions) | 3.1116% | 5,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 5,185 |
| Loan loss allowance to noncurrent loans | 863.4409% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.2737% | 5,270 |
| Noncurrent loans to loans | 0.1198% | 5,659 |
| Net loans and leases to total assets | 74.8245% | 1,328 |
| Net loans and leases to deposits | 90.4704% | 1,326 |
| Net loans and leases to core deposits | 97.0849% | 1,517 |
| Total domestic deposits to total assets | 82.7060% | 4,409 |
| Equity capital to assets | 10.1584% | 3,893 |
| Core capital (leverage) ratio | 10.2952% | 3,221 |
| Tier 1 risk-based capital ratio | 12.8087% | 5,027 |
| Total risk-based capital ratio | 13.8015% | 5,122 |
| Memoranda: | ||
| Average total assets | $99,573,330 | 4,693 |
| Average earning assets | $86,880,330 | 4,807 |
| Average equity | $10,271,000 | 4,748 |
| Average total loans | $75,655,670 | 4,058 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8739% | 908 |
| Cost of funding earning assets | 0.2479% | 5,598 |
| Net interest margin | 4.6260% | 535 |
| Noninterest income to average assets | 0.9386% | 1,285 |
| Noninterest expense to average assets | 4.1339% | 646 |
| Loan and lease loss provision to assets | -0.0082% | 6,391 |
| Net operating income to assets | 0.5019% | 4,679 |
| Return on assets (ROA) | 0.5019% | 4,764 |
| Pretax return on assets | 0.8488% | 3,908 |
| Return on Equity (ROE) | 4.8278% | 4,623 |
| Retained earnings to average equity (ytd only) | 4.8278% | 3,211 |
| Net charge-offs to loans | 0.0161% | 3,268 |
| Credit loss provision to net charge-offs | -66.6667% | 4,781 |
| Earnings coverage of net charge-offs (x) | 68.6667% | 599 |
| Efficiency ratio | 83.1009% | 1,783 |
| Assets per employee ($millions) | 3.1381% | 5,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 5,394 |
| Loan loss allowance to noncurrent loans | 1,192.3077% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.3137% | 5,212 |
| Noncurrent loans to loans | 0.0866% | 5,873 |
| Net loans and leases to total assets | 73.9492% | 1,271 |
| Net loans and leases to deposits | 89.2751% | 1,224 |
| Net loans and leases to core deposits | 93.9797% | 1,551 |
| Total domestic deposits to total assets | 82.8329% | 4,664 |
| Equity capital to assets | 10.2032% | 3,595 |
| Core capital (leverage) ratio | 10.2312% | 3,248 |
| Tier 1 risk-based capital ratio | 12.9161% | 5,047 |
| Total risk-based capital ratio | 13.8981% | 5,158 |
| Memoranda: | ||
| Average total assets | $98,018,500 | 4,772 |
| Average earning assets | $85,517,000 | 4,881 |
| Average equity | $10,191,000 | 4,778 |
| Average total loans | $74,666,000 | 4,115 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8546% | 1,189 |
| Cost of funding earning assets | 0.3392% | 5,252 |
| Net interest margin | 4.5154% | 718 |
| Noninterest income to average assets | 0.8341% | 1,919 |
| Noninterest expense to average assets | 4.0902% | 785 |
| Loan and lease loss provision to assets | -0.2142% | 6,611 |
| Net operating income to assets | 0.8272% | 3,146 |
| Return on assets (ROA) | 0.8272% | 3,233 |
| Pretax return on assets | 0.9323% | 3,631 |
| Return on Equity (ROE) | 8.4017% | 2,829 |
| Retained earnings to average equity (ytd only) | 5.8832% | 2,049 |
| Net charge-offs to loans | -0.2331% | 6,641 |
| Credit loss provision to net charge-offs | 123.4286% | 1,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0660% | 1,510 |
| Assets per employee ($millions) | 3.1873% | 5,511 |
| Cash dividends to net income (ytd only)* | 29.9760% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 5,346 |
| Loan loss allowance to noncurrent loans | 1,181.8182% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.3493% | 5,217 |
| Noncurrent loans to loans | 0.0888% | 5,949 |
| Net loans and leases to total assets | 76.8872% | 968 |
| Net loans and leases to deposits | 89.6616% | 1,264 |
| Net loans and leases to core deposits | 92.0690% | 1,790 |
| Total domestic deposits to total assets | 85.7527% | 3,391 |
| Equity capital to assets | 10.6005% | 3,046 |
| Core capital (leverage) ratio | 10.2846% | 3,171 |
| Tier 1 risk-based capital ratio | 13.0166% | 4,960 |
| Total risk-based capital ratio | 14.0235% | 5,079 |
| Memoranda: | ||
| Average total assets | $100,826,200 | 4,718 |
| Average earning assets | $88,741,200 | 4,809 |
| Average equity | $9,926,600 | 4,862 |
| Average total loans | $75,088,600 | 4,092 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8571% | 1,220 |
| Cost of funding earning assets | 0.3677% | 5,122 |
| Net interest margin | 4.4894% | 752 |
| Noninterest income to average assets | 0.8799% | 1,822 |
| Noninterest expense to average assets | 3.7925% | 1,092 |
| Loan and lease loss provision to assets | -0.2859% | 6,769 |
| Net operating income to assets | 0.9086% | 2,790 |
| Return on assets (ROA) | 0.9086% | 2,895 |
| Pretax return on assets | 1.3264% | 2,228 |
| Return on Equity (ROE) | 9.3980% | 2,443 |
| Retained earnings to average equity (ytd only) | 6.6974% | 2,035 |
| Net charge-offs to loans | -0.3294% | 6,735 |
| Credit loss provision to net charge-offs | 117.7419% | 1,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4711% | 2,345 |
| Assets per employee ($millions) | 3.3222% | 5,243 |
| Cash dividends to net income (ytd only)* | 28.7355% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 5,339 |
| Loan loss allowance to noncurrent loans | 814.4330% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.7816% | 4,152 |
| Noncurrent loans to loans | 0.1347% | 5,921 |
| Net loans and leases to total assets | 71.4346% | 1,694 |
| Net loans and leases to deposits | 82.7822% | 2,033 |
| Net loans and leases to core deposits | 85.1678% | 2,518 |
| Total domestic deposits to total assets | 86.2922% | 3,084 |
| Equity capital to assets | 10.0907% | 3,780 |
| Core capital (leverage) ratio | 10.0841% | 3,550 |
| Tier 1 risk-based capital ratio | 13.1179% | 5,042 |
| Total risk-based capital ratio | 14.1560% | 5,128 |
| Memoranda: | ||
| Average total assets | $102,128,250 | 4,734 |
| Average earning assets | $89,928,750 | 4,814 |
| Average equity | $9,874,250 | 4,936 |
| Average total loans | $75,286,250 | 4,106 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8556% | 1,200 |
| Cost of funding earning assets | 0.3956% | 4,984 |
| Net interest margin | 4.4600% | 765 |
| Noninterest income to average assets | 0.8295% | 2,067 |
| Noninterest expense to average assets | 3.6970% | 1,251 |
| Loan and lease loss provision to assets | -0.1923% | 6,778 |
| Net operating income to assets | 0.8431% | 3,081 |
| Return on assets (ROA) | 0.8431% | 3,230 |
| Pretax return on assets | 1.2453% | 2,498 |
| Return on Equity (ROE) | 8.8451% | 2,682 |
| Retained earnings to average equity (ytd only) | 8.8451% | 1,177 |
| Net charge-offs to loans | -0.1754% | 6,629 |
| Credit loss provision to net charge-offs | 147.7612% | 1,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8323% | 2,485 |
| Assets per employee ($millions) | 3.2476% | 5,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 5,556 |
| Loan loss allowance to noncurrent loans | 1,277.4194% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.8820% | 4,036 |
| Noncurrent loans to loans | 0.0836% | 6,143 |
| Net loans and leases to total assets | 72.8694% | 1,427 |
| Net loans and leases to deposits | 84.1587% | 1,788 |
| Net loans and leases to core deposits | 87.5055% | 2,172 |
| Total domestic deposits to total assets | 86.5857% | 3,070 |
| Equity capital to assets | 9.9309% | 4,000 |
| Core capital (leverage) ratio | 9.8398% | 3,735 |
| Tier 1 risk-based capital ratio | 12.6794% | 5,370 |
| Total risk-based capital ratio | 13.6917% | 5,487 |
| Memoranda: | ||
| Average total assets | $102,949,000 | 4,751 |
| Average earning assets | $90,492,670 | 4,830 |
| Average equity | $9,813,330 | 4,983 |
| Average total loans | $76,386,330 | 4,090 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9064% | 1,065 |
| Cost of funding earning assets | 0.4261% | 4,853 |
| Net interest margin | 4.4803% | 701 |
| Noninterest income to average assets | 0.8262% | 2,016 |
| Noninterest expense to average assets | 3.6086% | 1,409 |
| Loan and lease loss provision to assets | 0.0692% | 3,477 |
| Net operating income to assets | 0.7071% | 3,655 |
| Return on assets (ROA) | 0.7071% | 3,791 |
| Pretax return on assets | 1.0684% | 3,083 |
| Return on Equity (ROE) | 7.5712% | 3,179 |
| Retained earnings to average equity (ytd only) | 7.5712% | 1,911 |
| Net charge-offs to loans | 0.1703% | 2,381 |
| Credit loss provision to net charge-offs | 54.5455% | 2,538 |
| Earnings coverage of net charge-offs (x) | 8.9697% | 1,898 |
| Efficiency ratio | 76.0324% | 2,921 |
| Assets per employee ($millions) | 3.4528% | 5,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 5,779 |
| Loan loss allowance to noncurrent loans | 554.7945% | 783 |
| Noncurrent assets plus other real estate owned to assets | 1.1218% | 3,695 |
| Noncurrent loans to loans | 0.1900% | 5,928 |
| Net loans and leases to total assets | 73.3909% | 1,153 |
| Net loans and leases to deposits | 86.6022% | 1,282 |
| Net loans and leases to core deposits | 91.8517% | 1,517 |
| Total domestic deposits to total assets | 84.7449% | 4,161 |
| Equity capital to assets | 9.4676% | 4,895 |
| Core capital (leverage) ratio | 9.3196% | 4,365 |
| Tier 1 risk-based capital ratio | 11.9440% | 5,948 |
| Total risk-based capital ratio | 12.9445% | 6,061 |
| Memoranda: | ||
| Average total assets | $104,085,500 | 4,771 |
| Average earning assets | $91,065,000 | 4,864 |
| Average equity | $9,721,000 | 5,060 |
| Average total loans | $77,502,500 | 4,080 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2103% | 1,097 |
| Cost of funding earning assets | 0.6042% | 4,310 |
| Net interest margin | 4.6061% | 773 |
| Noninterest income to average assets | 0.2864% | 5,424 |
| Noninterest expense to average assets | 3.7286% | 1,366 |
| Loan and lease loss provision to assets | 0.0232% | 5,603 |
| Net operating income to assets | 0.2913% | 5,498 |
| Return on assets (ROA) | 0.2913% | 5,705 |
| Pretax return on assets | 0.5187% | 5,222 |
| Return on Equity (ROE) | 2.8386% | 5,618 |
| Retained earnings to average equity (ytd only) | -12.0806% | 6,701 |
| Net charge-offs to loans | 0.0736% | 4,947 |
| Credit loss provision to net charge-offs | 42.8571% | 4,866 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,195 |
| Efficiency ratio | 87.3102% | 1,300 |
| Assets per employee ($millions) | 3.4862% | 5,032 |
| Cash dividends to net income (ytd only)* | 525.5814% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 5,722 |
| Loan loss allowance to noncurrent loans | 405.8824% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.9169% | 4,202 |
| Noncurrent loans to loans | 0.2610% | 5,831 |
| Net loans and leases to total assets | 73.9535% | 1,202 |
| Net loans and leases to deposits | 89.5570% | 1,116 |
| Net loans and leases to core deposits | 94.0205% | 1,466 |
| Total domestic deposits to total assets | 82.5770% | 4,902 |
| Equity capital to assets | 9.2125% | 5,255 |
| Core capital (leverage) ratio | 9.3179% | 4,384 |
| Tier 1 risk-based capital ratio | 11.5191% | 6,088 |
| Total risk-based capital ratio | 12.5244% | 6,200 |
| Memoranda: | ||
| Average total assets | $103,336,000 | 4,755 |
| Average earning assets | $89,381,000 | 4,888 |
| Average equity | $10,603,800 | 4,842 |
| Average total loans | $76,043,200 | 4,154 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2407% | 1,113 |
| Cost of funding earning assets | 0.6551% | 4,151 |
| Net interest margin | 4.5856% | 845 |
| Noninterest income to average assets | 0.3753% | 4,825 |
| Noninterest expense to average assets | 3.7919% | 1,224 |
| Loan and lease loss provision to assets | 0.0272% | 5,443 |
| Net operating income to assets | 0.3494% | 5,433 |
| Return on assets (ROA) | 0.3494% | 5,637 |
| Pretax return on assets | 0.5151% | 5,417 |
| Return on Equity (ROE) | 3.3191% | 5,566 |
| Retained earnings to average equity (ytd only) | -1.8808% | 6,384 |
| Net charge-offs to loans | 0.0848% | 4,538 |
| Credit loss provision to net charge-offs | 43.7500% | 4,533 |
| Earnings coverage of net charge-offs (x) | 8.7289% | 2,405 |
| Efficiency ratio | 87.4888% | 1,253 |
| Assets per employee ($millions) | 3.1988% | 5,636 |
| Cash dividends to net income (ytd only)* | 156.6682% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0777% | 5,812 |
| Loan loss allowance to noncurrent loans | 598.5507% | 656 |
| Noncurrent assets plus other real estate owned to assets | 1.1391% | 4,011 |
| Noncurrent loans to loans | 0.1801% | 6,162 |
| Net loans and leases to total assets | 74.0682% | 1,238 |
| Net loans and leases to deposits | 85.9447% | 1,607 |
| Net loans and leases to core deposits | 91.3106% | 1,847 |
| Total domestic deposits to total assets | 86.1813% | 3,157 |
| Equity capital to assets | 10.5362% | 3,801 |
| Core capital (leverage) ratio | 10.3284% | 3,129 |
| Tier 1 risk-based capital ratio | 13.1014% | 5,169 |
| Total risk-based capital ratio | 14.1210% | 5,318 |
| Memoranda: | ||
| Average total assets | $103,023,500 | 4,800 |
| Average earning assets | $88,942,000 | 4,938 |
| Average equity | $10,846,000 | 4,840 |
| Average total loans | $75,510,750 | 4,212 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3269% | 995 |
| Cost of funding earning assets | 0.7131% | 3,913 |
| Net interest margin | 4.6138% | 804 |
| Noninterest income to average assets | 0.4146% | 4,551 |
| Noninterest expense to average assets | 3.7445% | 1,304 |
| Loan and lease loss provision to assets | 0.0252% | 5,349 |
| Net operating income to assets | 0.3836% | 5,275 |
| Return on assets (ROA) | 0.3836% | 5,511 |
| Pretax return on assets | 0.5676% | 5,253 |
| Return on Equity (ROE) | 3.6443% | 5,422 |
| Retained earnings to average equity (ytd only) | -0.4969% | 6,124 |
| Net charge-offs to loans | 0.0985% | 4,184 |
| Credit loss provision to net charge-offs | 35.1351% | 4,353 |
| Earnings coverage of net charge-offs (x) | 8.2703% | 2,326 |
| Efficiency ratio | 86.3332% | 1,399 |
| Assets per employee ($millions) | 3.5546% | 4,859 |
| Cash dividends to net income (ytd only)* | 113.6364% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0930% | 5,809 |
| Loan loss allowance to noncurrent loans | 392.8910% | 930 |
| Noncurrent assets plus other real estate owned to assets | 1.5715% | 3,353 |
| Noncurrent loans to loans | 0.2782% | 6,014 |
| Net loans and leases to total assets | 72.7708% | 1,430 |
| Net loans and leases to deposits | 84.3453% | 1,810 |
| Net loans and leases to core deposits | 90.1103% | 1,971 |
| Total domestic deposits to total assets | 86.2772% | 3,208 |
| Equity capital to assets | 10.5584% | 3,614 |
| Core capital (leverage) ratio | 10.3830% | 2,941 |
| Tier 1 risk-based capital ratio | 13.2396% | 5,008 |
| Total risk-based capital ratio | 14.2604% | 5,154 |
| Memoranda: | ||
| Average total assets | $103,244,330 | 4,820 |
| Average earning assets | $87,780,330 | 4,995 |
| Average equity | $10,866,330 | 4,841 |
| Average total loans | $75,133,330 | 4,247 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3472% | 1,014 |
| Cost of funding earning assets | 0.7600% | 3,789 |
| Net interest margin | 4.5872% | 842 |
| Noninterest income to average assets | 0.4878% | 3,997 |
| Noninterest expense to average assets | 3.8326% | 1,164 |
| Loan and lease loss provision to assets | 0.0039% | 5,222 |
| Net operating income to assets | 0.3678% | 5,396 |
| Return on assets (ROA) | 0.3678% | 5,575 |
| Pretax return on assets | 0.5536% | 5,262 |
| Return on Equity (ROE) | 3.4999% | 5,509 |
| Retained earnings to average equity (ytd only) | -4.7893% | 6,568 |
| Net charge-offs to loans | 0.0107% | 4,568 |
| Credit loss provision to net charge-offs | 50.0000% | 3,277 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 463 |
| Efficiency ratio | 87.3016% | 1,353 |
| Assets per employee ($millions) | 3.5516% | 4,994 |
| Cash dividends to net income (ytd only)* | 236.8421% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 5,751 |
| Loan loss allowance to noncurrent loans | 173.1707% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 2.2253% | 2,666 |
| Noncurrent loans to loans | 0.6588% | 5,327 |
| Net loans and leases to total assets | 71.6836% | 1,455 |
| Net loans and leases to deposits | 83.1123% | 1,777 |
| Net loans and leases to core deposits | 90.1545% | 1,839 |
| Total domestic deposits to total assets | 86.2491% | 3,386 |
| Equity capital to assets | 10.4780% | 3,514 |
| Core capital (leverage) ratio | 10.3355% | 2,949 |
| Tier 1 risk-based capital ratio | 13.2440% | 5,037 |
| Total risk-based capital ratio | 14.3049% | 5,139 |
| Memoranda: | ||
| Average total assets | $103,324,500 | 4,855 |
| Average earning assets | $87,896,000 | 5,027 |
| Average equity | $10,857,500 | 4,849 |
| Average total loans | $74,778,000 | 4,280 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5097% | 1,150 |
| Cost of funding earning assets | 0.9726% | 3,558 |
| Net interest margin | 4.5371% | 1,052 |
| Noninterest income to average assets | 0.3550% | 4,965 |
| Noninterest expense to average assets | 3.7275% | 1,485 |
| Loan and lease loss provision to assets | 0.1049% | 5,274 |
| Net operating income to assets | 0.3377% | 5,109 |
| Return on assets (ROA) | 0.3377% | 5,272 |
| Pretax return on assets | 0.4051% | 5,284 |
| Return on Equity (ROE) | 3.2661% | 5,171 |
| Retained earnings to average equity (ytd only) | 2.1030% | 4,713 |
| Net charge-offs to loans | 0.4858% | 3,052 |
| Credit loss provision to net charge-offs | 29.2225% | 5,796 |
| Earnings coverage of net charge-offs (x) | 1.4209% | 4,706 |
| Efficiency ratio | 87.9655% | 1,362 |
| Assets per employee ($millions) | 3.4551% | 5,126 |
| Cash dividends to net income (ytd only)* | 35.6125% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1406% | 5,664 |
| Loan loss allowance to noncurrent loans | 185.2495% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 2.2576% | 2,665 |
| Noncurrent loans to loans | 0.6157% | 5,483 |
| Net loans and leases to total assets | 71.4101% | 1,747 |
| Net loans and leases to deposits | 82.7590% | 2,097 |
| Net loans and leases to core deposits | 89.7199% | 2,162 |
| Total domestic deposits to total assets | 86.2868% | 3,149 |
| Equity capital to assets | 10.5381% | 3,489 |
| Core capital (leverage) ratio | 10.4534% | 2,782 |
| Tier 1 risk-based capital ratio | 13.0405% | 5,033 |
| Total risk-based capital ratio | 14.0748% | 5,201 |
| Memoranda: | ||
| Average total assets | $103,931,400 | 4,794 |
| Average earning assets | $88,933,600 | 4,963 |
| Average equity | $10,746,600 | 4,844 |
| Average total loans | $76,781,600 | 4,242 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4772% | 1,308 |
| Cost of funding earning assets | 1.0250% | 3,504 |
| Net interest margin | 4.4522% | 1,274 |
| Noninterest income to average assets | 0.5410% | 3,579 |
| Noninterest expense to average assets | 3.8191% | 1,279 |
| Loan and lease loss provision to assets | 0.1269% | 4,847 |
| Net operating income to assets | 0.2756% | 5,486 |
| Return on assets (ROA) | 0.2756% | 5,645 |
| Pretax return on assets | 0.4205% | 5,404 |
| Return on Equity (ROE) | 2.6784% | 5,546 |
| Retained earnings to average equity (ytd only) | 1.1212% | 5,566 |
| Net charge-offs to loans | 0.6420% | 2,325 |
| Credit loss provision to net charge-offs | 26.6129% | 5,467 |
| Earnings coverage of net charge-offs (x) | 1.1478% | 4,763 |
| Efficiency ratio | 87.4633% | 1,392 |
| Assets per employee ($millions) | 3.1689% | 5,755 |
| Cash dividends to net income (ytd only)* | 58.1386% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 5,755 |
| Loan loss allowance to noncurrent loans | 136.5105% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 2.9288% | 2,199 |
| Noncurrent loans to loans | 0.8306% | 5,210 |
| Net loans and leases to total assets | 72.6565% | 1,576 |
| Net loans and leases to deposits | 84.4476% | 1,924 |
| Net loans and leases to core deposits | 91.1789% | 2,092 |
| Total domestic deposits to total assets | 86.0373% | 3,200 |
| Equity capital to assets | 10.6039% | 3,564 |
| Core capital (leverage) ratio | 10.3130% | 3,067 |
| Tier 1 risk-based capital ratio | 12.9555% | 5,135 |
| Total risk-based capital ratio | 13.9851% | 5,283 |
| Memoranda: | ||
| Average total assets | $104,001,250 | 4,816 |
| Average earning assets | $89,362,000 | 4,970 |
| Average equity | $10,702,500 | 4,867 |
| Average total loans | $77,259,000 | 4,271 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3949% | 1,581 |
| Cost of funding earning assets | 1.0776% | 3,406 |
| Net interest margin | 4.3172% | 1,605 |
| Noninterest income to average assets | 0.7858% | 2,092 |
| Noninterest expense to average assets | 3.8411% | 1,290 |
| Loan and lease loss provision to assets | 0.1545% | 4,384 |
| Net operating income to assets | 0.3223% | 5,282 |
| Return on assets (ROA) | 0.3223% | 5,415 |
| Pretax return on assets | 0.5111% | 5,026 |
| Return on Equity (ROE) | 3.1631% | 5,327 |
| Retained earnings to average equity (ytd only) | 3.1631% | 4,259 |
| Net charge-offs to loans | 0.7164% | 2,081 |
| Credit loss provision to net charge-offs | 28.9286% | 5,009 |
| Earnings coverage of net charge-offs (x) | 1.2464% | 4,355 |
| Efficiency ratio | 85.2306% | 1,679 |
| Assets per employee ($millions) | 3.3223% | 5,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 5,614 |
| Loan loss allowance to noncurrent loans | 86.4534% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 3.1722% | 2,118 |
| Noncurrent loans to loans | 1.3713% | 4,355 |
| Net loans and leases to total assets | 74.3742% | 1,347 |
| Net loans and leases to deposits | 86.2241% | 1,762 |
| Net loans and leases to core deposits | 95.3328% | 1,749 |
| Total domestic deposits to total assets | 86.2569% | 3,179 |
| Equity capital to assets | 10.4942% | 3,513 |
| Core capital (leverage) ratio | 10.0694% | 3,178 |
| Tier 1 risk-based capital ratio | 12.6950% | 5,182 |
| Total risk-based capital ratio | 13.7843% | 5,289 |
| Memoranda: | ||
| Average total assets | $104,866,330 | 4,833 |
| Average earning assets | $90,382,000 | 4,983 |
| Average equity | $10,685,670 | 4,874 |
| Average total loans | $78,171,000 | 4,279 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3825% | 1,633 |
| Cost of funding earning assets | 1.0985% | 3,533 |
| Net interest margin | 4.2840% | 1,606 |
| Noninterest income to average assets | 0.7712% | 2,150 |
| Noninterest expense to average assets | 3.9393% | 1,119 |
| Loan and lease loss provision to assets | 0.0454% | 5,432 |
| Net operating income to assets | 0.2987% | 5,413 |
| Return on assets (ROA) | 0.2987% | 5,480 |
| Pretax return on assets | 0.4726% | 5,110 |
| Return on Equity (ROE) | 2.9743% | 5,388 |
| Retained earnings to average equity (ytd only) | 2.9743% | 4,385 |
| Net charge-offs to loans | 0.0917% | 4,022 |
| Credit loss provision to net charge-offs | 66.6667% | 3,413 |
| Earnings coverage of net charge-offs (x) | 7.6111% | 1,928 |
| Efficiency ratio | 88.3800% | 1,467 |
| Assets per employee ($millions) | 3.2224% | 5,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4602% | 4,391 |
| Loan loss allowance to noncurrent loans | 121.9539% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 2.9387% | 2,355 |
| Noncurrent loans to loans | 1.1973% | 4,686 |
| Net loans and leases to total assets | 70.5050% | 2,031 |
| Net loans and leases to deposits | 81.1760% | 2,498 |
| Net loans and leases to core deposits | 92.7507% | 2,042 |
| Total domestic deposits to total assets | 86.8544% | 3,020 |
| Equity capital to assets | 10.0301% | 3,739 |
| Core capital (leverage) ratio | 10.0016% | 3,144 |
| Tier 1 risk-based capital ratio | 12.6983% | 5,068 |
| Total risk-based capital ratio | 13.9478% | 5,044 |
| Memoranda: | ||
| Average total assets | $105,804,500 | 4,842 |
| Average earning assets | $91,035,500 | 5,006 |
| Average equity | $10,624,500 | 4,889 |
| Average total loans | $78,498,000 | 4,309 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8827% | 1,078 |
| Cost of funding earning assets | 1.3220% | 3,737 |
| Net interest margin | 4.5607% | 1,105 |
| Noninterest income to average assets | 0.3208% | 5,491 |
| Noninterest expense to average assets | 3.5775% | 1,980 |
| Loan and lease loss provision to assets | 0.1035% | 6,107 |
| Net operating income to assets | 0.3125% | 4,896 |
| Return on assets (ROA) | 0.3125% | 5,064 |
| Pretax return on assets | 0.5112% | 4,583 |
| Return on Equity (ROE) | 3.2203% | 4,855 |
| Retained earnings to average equity (ytd only) | 2.4581% | 4,155 |
| Net charge-offs to loans | 0.1499% | 5,454 |
| Credit loss provision to net charge-offs | 89.6000% | 5,146 |
| Earnings coverage of net charge-offs (x) | 5.3200% | 2,660 |
| Efficiency ratio | 85.3363% | 1,769 |
| Assets per employee ($millions) | 3.0077% | 6,082 |
| Cash dividends to net income (ytd only)* | 23.6686% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 4,604 |
| Loan loss allowance to noncurrent loans | 145.1948% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 3.3514% | 2,098 |
| Noncurrent loans to loans | 0.9517% | 5,145 |
| Net loans and leases to total assets | 75.7982% | 1,321 |
| Net loans and leases to deposits | 88.7149% | 1,690 |
| Net loans and leases to core deposits | 104.9191% | 1,258 |
| Total domestic deposits to total assets | 85.4402% | 3,642 |
| Equity capital to assets | 10.0533% | 3,681 |
| Core capital (leverage) ratio | 9.7660% | 3,358 |
| Tier 1 risk-based capital ratio | 11.9184% | 5,551 |
| Total risk-based capital ratio | 13.1679% | 5,528 |
| Memoranda: | ||
| Average total assets | $108,175,400 | 4,765 |
| Average earning assets | $91,828,000 | 4,951 |
| Average equity | $10,495,800 | 4,986 |
| Average total loans | $83,371,600 | 4,229 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8818% | 1,176 |
| Cost of funding earning assets | 1.3635% | 3,812 |
| Net interest margin | 4.5183% | 1,214 |
| Noninterest income to average assets | 0.3942% | 5,009 |
| Noninterest expense to average assets | 3.5725% | 1,847 |
| Loan and lease loss provision to assets | 0.1188% | 5,842 |
| Net operating income to assets | 0.3685% | 4,893 |
| Return on assets (ROA) | 0.3685% | 5,072 |
| Pretax return on assets | 0.5289% | 4,823 |
| Return on Equity (ROE) | 3.8316% | 4,859 |
| Retained earnings to average equity (ytd only) | 2.8133% | 4,459 |
| Net charge-offs to loans | 0.1191% | 5,361 |
| Credit loss provision to net charge-offs | 129.3333% | 3,132 |
| Earnings coverage of net charge-offs (x) | 7.0532% | 2,395 |
| Efficiency ratio | 84.6533% | 1,766 |
| Assets per employee ($millions) | 3.0018% | 6,148 |
| Cash dividends to net income (ytd only)* | 26.5773% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 4,560 |
| Loan loss allowance to noncurrent loans | 55.2733% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 3.1361% | 2,302 |
| Noncurrent loans to loans | 2.5015% | 3,116 |
| Net loans and leases to total assets | 76.1019% | 1,392 |
| Net loans and leases to deposits | 87.4593% | 2,087 |
| Net loans and leases to core deposits | 134.4769% | 318 |
| Total domestic deposits to total assets | 87.0141% | 2,521 |
| Equity capital to assets | 9.8193% | 4,393 |
| Core capital (leverage) ratio | 9.4276% | 4,020 |
| Tier 1 risk-based capital ratio | 11.9922% | 5,472 |
| Total risk-based capital ratio | 13.2492% | 5,433 |
| Memoranda: | ||
| Average total assets | $108,902,000 | 4,805 |
| Average earning assets | $92,214,500 | 5,006 |
| Average equity | $10,474,000 | 5,064 |
| Average total loans | $83,987,000 | 4,285 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8491% | 1,305 |
| Cost of funding earning assets | 1.3913% | 3,930 |
| Net interest margin | 4.4578% | 1,297 |
| Noninterest income to average assets | 0.5679% | 3,563 |
| Noninterest expense to average assets | 3.5592% | 1,889 |
| Loan and lease loss provision to assets | 0.1557% | 5,339 |
| Net operating income to assets | 0.4378% | 4,590 |
| Return on assets (ROA) | 0.4378% | 4,746 |
| Pretax return on assets | 0.6210% | 4,498 |
| Return on Equity (ROE) | 4.5837% | 4,502 |
| Retained earnings to average equity (ytd only) | 3.0494% | 4,167 |
| Net charge-offs to loans | 0.0594% | 5,562 |
| Credit loss provision to net charge-offs | 340.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 16.9600% | 1,378 |
| Efficiency ratio | 82.0870% | 2,153 |
| Assets per employee ($millions) | 3.1045% | 5,910 |
| Cash dividends to net income (ytd only)* | 33.4728% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 4,464 |
| Loan loss allowance to noncurrent loans | 68.0183% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 3.2453% | 2,169 |
| Noncurrent loans to loans | 2.0463% | 3,656 |
| Net loans and leases to total assets | 75.4997% | 1,596 |
| Net loans and leases to deposits | 89.7640% | 1,903 |
| Net loans and leases to core deposits | 110.3771% | 1,143 |
| Total domestic deposits to total assets | 84.1091% | 4,065 |
| Equity capital to assets | 9.4030% | 4,860 |
| Core capital (leverage) ratio | 9.4531% | 3,890 |
| Tier 1 risk-based capital ratio | 11.4213% | 5,851 |
| Total risk-based capital ratio | 12.6725% | 5,817 |
| Memoranda: | ||
| Average total assets | $109,181,670 | 4,824 |
| Average earning assets | $92,287,330 | 5,035 |
| Average equity | $10,428,330 | 5,081 |
| Average total loans | $84,185,670 | 4,317 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7958% | 1,474 |
| Cost of funding earning assets | 1.4191% | 4,055 |
| Net interest margin | 4.3767% | 1,454 |
| Noninterest income to average assets | 0.5635% | 3,534 |
| Noninterest expense to average assets | 3.6926% | 1,534 |
| Loan and lease loss provision to assets | 0.1298% | 5,272 |
| Net operating income to assets | 0.2966% | 5,314 |
| Return on assets (ROA) | 0.2966% | 5,444 |
| Pretax return on assets | 0.4115% | 5,256 |
| Return on Equity (ROE) | 3.0805% | 5,300 |
| Retained earnings to average equity (ytd only) | 3.0805% | 4,291 |
| Net charge-offs to loans | 0.0527% | 4,879 |
| Credit loss provision to net charge-offs | 318.1818% | 1,250 |
| Earnings coverage of net charge-offs (x) | 13.2727% | 1,510 |
| Efficiency ratio | 87.2154% | 1,665 |
| Assets per employee ($millions) | 3.0418% | 6,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3771% | 4,531 |
| Loan loss allowance to noncurrent loans | 44.1390% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 4.0482% | 1,688 |
| Noncurrent loans to loans | 3.1198% | 2,570 |
| Net loans and leases to total assets | 75.6041% | 1,619 |
| Net loans and leases to deposits | 89.2317% | 2,028 |
| Net loans and leases to core deposits | 109.9292% | 1,275 |
| Total domestic deposits to total assets | 84.7278% | 3,791 |
| Equity capital to assets | 9.5246% | 4,497 |
| Core capital (leverage) ratio | 9.4794% | 3,803 |
| Tier 1 risk-based capital ratio | 11.5922% | 5,585 |
| Total risk-based capital ratio | 12.8395% | 5,559 |
| Memoranda: | ||
| Average total assets | $107,891,500 | 4,929 |
| Average earning assets | $90,479,500 | 5,152 |
| Average equity | $10,388,000 | 5,134 |
| Average total loans | $83,493,000 | 4,402 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9104% | 2,188 |
| Cost of funding earning assets | 1.8848% | 3,537 |
| Net interest margin | 4.0256% | 2,761 |
| Noninterest income to average assets | 0.6678% | 3,174 |
| Noninterest expense to average assets | 3.7796% | 1,737 |
| Loan and lease loss provision to assets | 0.4866% | 3,937 |
| Net operating income to assets | -0.0598% | 5,600 |
| Return on assets (ROA) | -0.0598% | 5,623 |
| Pretax return on assets | -0.2134% | 5,721 |
| Return on Equity (ROE) | -0.6414% | 5,643 |
| Retained earnings to average equity (ytd only) | -0.6414% | 5,149 |
| Net charge-offs to loans | 0.6238% | 3,340 |
| Credit loss provision to net charge-offs | 99.8113% | 5,588 |
| Earnings coverage of net charge-offs (x) | 0.5604% | 5,546 |
| Efficiency ratio | 93.2592% | 1,464 |
| Assets per employee ($millions) | 2.9521% | 6,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 4,417 |
| Loan loss allowance to noncurrent loans | 43.5888% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 4.2352% | 1,547 |
| Noncurrent loans to loans | 3.1274% | 2,451 |
| Net loans and leases to total assets | 77.0694% | 1,569 |
| Net loans and leases to deposits | 91.0908% | 2,031 |
| Net loans and leases to core deposits | 116.3072% | 2,286 |
| Total domestic deposits to total assets | 84.6072% | 3,757 |
| Equity capital to assets | 9.7349% | 4,096 |
| Core capital (leverage) ratio | 9.4173% | 3,815 |
| Tier 1 risk-based capital ratio | 11.5680% | 5,330 |
| Total risk-based capital ratio | 12.8180% | 5,284 |
| Memoranda: | ||
| Average total assets | $108,715,800 | 4,855 |
| Average earning assets | $91,414,600 | 5,079 |
| Average equity | $10,133,400 | 5,260 |
| Average total loans | $84,966,600 | 4,358 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9117% | 2,398 |
| Cost of funding earning assets | 1.9701% | 3,517 |
| Net interest margin | 3.9416% | 3,078 |
| Noninterest income to average assets | 0.7061% | 2,978 |
| Noninterest expense to average assets | 3.5355% | 2,182 |
| Loan and lease loss provision to assets | 0.5976% | 2,999 |
| Net operating income to assets | -0.0927% | 5,880 |
| Return on assets (ROA) | -0.0927% | 5,915 |
| Pretax return on assets | -0.1012% | 5,847 |
| Return on Equity (ROE) | -1.0052% | 5,930 |
| Retained earnings to average equity (ytd only) | -1.0052% | 5,490 |
| Net charge-offs to loans | 0.7474% | 2,493 |
| Credit loss provision to net charge-offs | 102.2965% | 4,971 |
| Earnings coverage of net charge-offs (x) | 0.8497% | 5,210 |
| Efficiency ratio | 87.6891% | 1,900 |
| Assets per employee ($millions) | 3.0830% | 5,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 4,357 |
| Loan loss allowance to noncurrent loans | 91.0828% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 2.5489% | 2,721 |
| Noncurrent loans to loans | 1.4542% | 4,496 |
| Net loans and leases to total assets | 76.7878% | 1,823 |
| Net loans and leases to deposits | 92.5705% | 2,142 |
| Net loans and leases to core deposits | 123.7707% | 1,925 |
| Total domestic deposits to total assets | 82.9506% | 4,249 |
| Equity capital to assets | 9.3388% | 4,970 |
| Core capital (leverage) ratio | 9.3403% | 4,125 |
| Tier 1 risk-based capital ratio | 11.1502% | 5,813 |
| Total risk-based capital ratio | 12.3920% | 5,766 |
| Memoranda: | ||
| Average total assets | $109,325,500 | 4,871 |
| Average earning assets | $92,243,750 | 5,093 |
| Average equity | $10,080,250 | 5,315 |
| Average total loans | $85,448,500 | 4,382 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8931% | 2,615 |
| Cost of funding earning assets | 2.0991% | 3,268 |
| Net interest margin | 3.7940% | 3,577 |
| Noninterest income to average assets | 0.7759% | 2,546 |
| Noninterest expense to average assets | 3.4899% | 2,368 |
| Loan and lease loss provision to assets | 0.7925% | 2,108 |
| Net operating income to assets | -0.2721% | 6,295 |
| Return on assets (ROA) | -0.2721% | 6,309 |
| Pretax return on assets | -0.2960% | 6,233 |
| Return on Equity (ROE) | -2.9643% | 6,358 |
| Retained earnings to average equity (ytd only) | -2.9643% | 5,967 |
| Net charge-offs to loans | 1.1040% | 1,640 |
| Credit loss provision to net charge-offs | 91.7021% | 4,871 |
| Earnings coverage of net charge-offs (x) | 0.5745% | 5,137 |
| Efficiency ratio | 87.5461% | 2,069 |
| Assets per employee ($millions) | 3.0105% | 6,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 4,374 |
| Loan loss allowance to noncurrent loans | 34.5122% | 6,146 |
| Noncurrent assets plus other real estate owned to assets | 3.6779% | 1,677 |
| Noncurrent loans to loans | 3.7211% | 1,869 |
| Net loans and leases to total assets | 77.5229% | 1,857 |
| Net loans and leases to deposits | 93.8035% | 2,119 |
| Net loans and leases to core deposits | 120.6950% | 2,303 |
| Total domestic deposits to total assets | 82.6439% | 4,402 |
| Equity capital to assets | 9.4485% | 4,678 |
| Core capital (leverage) ratio | 9.3906% | 4,038 |
| Tier 1 risk-based capital ratio | 11.2953% | 5,601 |
| Total risk-based capital ratio | 12.5069% | 5,549 |
| Memoranda: | ||
| Average total assets | $108,771,000 | 4,918 |
| Average earning assets | $92,040,330 | 5,120 |
| Average equity | $9,985,330 | 5,361 |
| Average total loans | $85,141,330 | 4,426 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8838% | 2,876 |
| Cost of funding earning assets | 2.2798% | 2,792 |
| Net interest margin | 3.6040% | 4,304 |
| Noninterest income to average assets | 0.7378% | 2,667 |
| Noninterest expense to average assets | 3.4689% | 2,175 |
| Loan and lease loss provision to assets | 1.5050% | 833 |
| Net operating income to assets | -1.0572% | 7,287 |
| Return on assets (ROA) | -1.0572% | 7,298 |
| Pretax return on assets | -1.1490% | 7,226 |
| Return on Equity (ROE) | -11.6859% | 7,455 |
| Retained earnings to average equity (ytd only) | -11.6859% | 7,247 |
| Net charge-offs to loans | 0.0517% | 4,748 |
| Credit loss provision to net charge-offs | 3,727.2727% | 191 |
| Earnings coverage of net charge-offs (x) | 8.8182% | 2,141 |
| Efficiency ratio | 90.6910% | 1,673 |
| Assets per employee ($millions) | 3.1500% | 5,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8404% | 1,756 |
| Loan loss allowance to noncurrent loans | 96.5952% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 2.1778% | 2,628 |
| Noncurrent loans to loans | 1.9053% | 3,403 |
| Net loans and leases to total assets | 74.1150% | 2,722 |
| Net loans and leases to deposits | 89.0341% | 3,097 |
| Net loans and leases to core deposits | 105.1743% | 4,007 |
| Total domestic deposits to total assets | 83.2434% | 4,021 |
| Equity capital to assets | 9.1683% | 5,123 |
| Core capital (leverage) ratio | 9.1306% | 4,500 |
| Tier 1 risk-based capital ratio | 11.2272% | 5,669 |
| Total risk-based capital ratio | 12.9371% | 5,136 |
| Memoranda: | ||
| Average total assets | $108,968,000 | 4,928 |
| Average earning assets | $93,341,500 | 5,109 |
| Average equity | $9,858,000 | 5,432 |
| Average total loans | $85,157,000 | 4,452 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6026% | 2,482 |
| Cost of funding earning assets | 3.0351% | 1,730 |
| Net interest margin | 3.5675% | 5,026 |
| Noninterest income to average assets | 0.8716% | 2,097 |
| Noninterest expense to average assets | 3.5627% | 2,230 |
| Loan and lease loss provision to assets | 0.4451% | 3,065 |
| Net operating income to assets | 0.1108% | 6,081 |
| Return on assets (ROA) | 0.1108% | 5,918 |
| Pretax return on assets | 0.0652% | 6,017 |
| Return on Equity (ROE) | 1.2513% | 5,844 |
| Retained earnings to average equity (ytd only) | -0.5888% | 5,465 |
| Net charge-offs to loans | 0.1444% | 4,768 |
| Credit loss provision to net charge-offs | 388.6179% | 1,142 |
| Earnings coverage of net charge-offs (x) | 4.4553% | 3,979 |
| Efficiency ratio | 87.4714% | 1,725 |
| Assets per employee ($millions) | 2.9913% | 6,071 |
| Cash dividends to net income (ytd only)* | 147.0588% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 3,781 |
| Loan loss allowance to noncurrent loans | 71.3745% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 1.9455% | 2,526 |
| Noncurrent loans to loans | 1.8215% | 3,031 |
| Net loans and leases to total assets | 79.8044% | 1,707 |
| Net loans and leases to deposits | 97.7168% | 2,169 |
| Net loans and leases to core deposits | 116.5164% | 3,065 |
| Total domestic deposits to total assets | 81.6691% | 4,332 |
| Equity capital to assets | 8.9222% | 5,468 |
| Core capital (leverage) ratio | 8.7260% | 5,158 |
| Tier 1 risk-based capital ratio | 10.4482% | 6,265 |
| Total risk-based capital ratio | 11.6810% | 6,155 |
| Memoranda: | ||
| Average total assets | $107,389,000 | 4,849 |
| Average earning assets | $96,371,200 | 4,905 |
| Average equity | $9,510,400 | 5,569 |
| Average total loans | $85,204,200 | 4,359 |