Home > Home City Federal Savings Bank of Springfield > Performance and Condition Ratios
Home City Federal Savings Bank of Springfield, 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 | 4.7328% | 1,591 |
| Cost of funding earning assets | 1.0759% | 438 |
| Net interest margin | 3.6569% | 3,181 |
| Noninterest income to average assets | 0.3015% | 4,133 |
| Noninterest expense to average assets | 2.1919% | 4,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2044% | 2,225 |
| Return on assets (ROA) | 1.2044% | 2,223 |
| Pretax return on assets | 1.5227% | 1,829 |
| Return on Equity (ROE) | 10.2823% | 2,488 |
| Retained earnings to average equity (ytd only) | 3.4728% | 4,029 |
| Net charge-offs to loans | 0.0219% | 2,699 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 79.5397% | 879 |
| Efficiency ratio | 59.0079% | 3,963 |
| Assets per employee ($millions) | 6.2961% | 1,292 |
| Cash dividends to net income (ytd only)* | 66.2253% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 2,888 |
| Loan loss allowance to noncurrent loans | 1,489.5652% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 4,573 |
| Noncurrent loans to loans | 0.0774% | 4,530 |
| Net loans and leases to total assets | 86.3514% | 231 |
| Net loans and leases to deposits | 122.8967% | 82 |
| Net loans and leases to core deposits | 133.7762% | 275 |
| Total domestic deposits to total assets | 70.2634% | 5,202 |
| Equity capital to assets | 11.4903% | 2,267 |
| Core capital (leverage) ratio | 11.7824% | 1,929 |
| Tier 1 risk-based capital ratio | 17.0654% | 2,082 |
| Total risk-based capital ratio | 18.3175% | 2,022 |
| Memoranda: | ||
| Average total assets | $167,160,500 | 3,225 |
| Average earning assets | $156,013,250 | 3,207 |
| Average equity | $19,580,000 | 3,145 |
| Average total loans | $145,793,250 | 2,711 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6930% | 1,523 |
| Cost of funding earning assets | 1.0485% | 366 |
| Net interest margin | 3.6445% | 3,137 |
| Noninterest income to average assets | 0.3116% | 4,089 |
| Noninterest expense to average assets | 2.1370% | 4,525 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2442% | 2,005 |
| Return on assets (ROA) | 1.2442% | 2,004 |
| Pretax return on assets | 1.5751% | 1,582 |
| Return on Equity (ROE) | 10.5534% | 2,308 |
| Retained earnings to average equity (ytd only) | 10.5534% | 775 |
| Net charge-offs to loans | 0.0235% | 2,400 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 838 |
| Efficiency ratio | 57.5689% | 4,298 |
| Assets per employee ($millions) | 5.9230% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 2,816 |
| Loan loss allowance to noncurrent loans | 1,139.0728% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 4,479 |
| Noncurrent loans to loans | 0.1039% | 4,447 |
| Net loans and leases to total assets | 86.5712% | 223 |
| Net loans and leases to deposits | 122.1033% | 89 |
| Net loans and leases to core deposits | 133.1065% | 276 |
| Total domestic deposits to total assets | 70.8999% | 5,236 |
| Equity capital to assets | 12.1047% | 1,782 |
| Core capital (leverage) ratio | 12.1656% | 1,609 |
| Tier 1 risk-based capital ratio | 17.8795% | 1,832 |
| Total risk-based capital ratio | 19.1326% | 1,795 |
| Memoranda: | ||
| Average total assets | $166,215,330 | 3,251 |
| Average earning assets | $155,081,670 | 3,231 |
| Average equity | $19,595,670 | 3,165 |
| Average total loans | $144,888,670 | 2,731 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6435% | 1,454 |
| Cost of funding earning assets | 0.9998% | 366 |
| Net interest margin | 3.6437% | 3,010 |
| Noninterest income to average assets | 0.2909% | 4,222 |
| Noninterest expense to average assets | 2.1058% | 4,646 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2476% | 1,814 |
| Return on assets (ROA) | 1.2476% | 1,827 |
| Pretax return on assets | 1.5841% | 1,437 |
| Return on Equity (ROE) | 10.7254% | 2,078 |
| Retained earnings to average equity (ytd only) | 10.7254% | 960 |
| Net charge-offs to loans | -0.0111% | 4,288 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0684% | 4,456 |
| Assets per employee ($millions) | 5.9870% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 2,809 |
| Loan loss allowance to noncurrent loans | 1,036.3095% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 4,274 |
| Noncurrent loans to loans | 0.1157% | 4,448 |
| Net loans and leases to total assets | 85.5842% | 293 |
| Net loans and leases to deposits | 120.0033% | 115 |
| Net loans and leases to core deposits | 130.5970% | 329 |
| Total domestic deposits to total assets | 71.3182% | 5,320 |
| Equity capital to assets | 11.6771% | 2,007 |
| Core capital (leverage) ratio | 11.8849% | 1,728 |
| Tier 1 risk-based capital ratio | 17.6948% | 1,921 |
| Total risk-based capital ratio | 18.9485% | 1,870 |
| Memoranda: | ||
| Average total assets | $166,400,500 | 3,288 |
| Average earning assets | $155,227,000 | 3,262 |
| Average equity | $19,356,000 | 3,214 |
| Average total loans | $144,686,000 | 2,750 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6202% | 1,371 |
| Cost of funding earning assets | 0.9386% | 302 |
| Net interest margin | 3.6817% | 2,873 |
| Noninterest income to average assets | 0.4889% | 3,067 |
| Noninterest expense to average assets | 2.1681% | 4,605 |
| Loan and lease loss provision to assets | -0.4895% | 5,648 |
| Net operating income to assets | 1.5586% | 707 |
| Return on assets (ROA) | 1.5586% | 719 |
| Pretax return on assets | 2.2262% | 304 |
| Return on Equity (ROE) | 14.1591% | 737 |
| Retained earnings to average equity (ytd only) | 14.1591% | 102 |
| Net charge-offs to loans | 0.0518% | 2,762 |
| Credit loss provision to net charge-offs | -1,095.8904% | 5,075 |
| Earnings coverage of net charge-offs (x) | 38.8767% | 1,290 |
| Efficiency ratio | 55.5242% | 4,811 |
| Assets per employee ($millions) | 6.3525% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 2,743 |
| Loan loss allowance to noncurrent loans | 584.8485% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 3,925 |
| Noncurrent loans to loans | 0.2060% | 4,087 |
| Net loans and leases to total assets | 86.2313% | 240 |
| Net loans and leases to deposits | 119.8099% | 116 |
| Net loans and leases to core deposits | 128.3388% | 378 |
| Total domestic deposits to total assets | 71.9735% | 5,322 |
| Equity capital to assets | 11.5866% | 2,126 |
| Core capital (leverage) ratio | 11.6050% | 1,866 |
| Tier 1 risk-based capital ratio | 17.2611% | 2,009 |
| Total risk-based capital ratio | 18.5145% | 1,959 |
| Memoranda: | ||
| Average total assets | $163,417,200 | 3,307 |
| Average earning assets | $151,616,000 | 3,301 |
| Average equity | $17,988,400 | 3,362 |
| Average total loans | $140,850,600 | 2,767 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5984% | 1,372 |
| Cost of funding earning assets | 0.9313% | 291 |
| Net interest margin | 3.6670% | 2,879 |
| Noninterest income to average assets | 0.5686% | 2,631 |
| Noninterest expense to average assets | 2.1916% | 4,536 |
| Loan and lease loss provision to assets | -0.6545% | 5,720 |
| Net operating income to assets | 1.7171% | 561 |
| Return on assets (ROA) | 1.7171% | 573 |
| Pretax return on assets | 2.4297% | 238 |
| Return on Equity (ROE) | 15.8102% | 546 |
| Retained earnings to average equity (ytd only) | 15.8102% | 94 |
| Net charge-offs to loans | 0.0305% | 2,820 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | 67.8055% | 915 |
| Efficiency ratio | 55.2485% | 4,820 |
| Assets per employee ($millions) | 6.1837% | 1,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 2,747 |
| Loan loss allowance to noncurrent loans | 750.2110% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 3,599 |
| Noncurrent loans to loans | 0.1638% | 4,408 |
| Net loans and leases to total assets | 85.5751% | 287 |
| Net loans and leases to deposits | 118.2121% | 124 |
| Net loans and leases to core deposits | 126.7719% | 392 |
| Total domestic deposits to total assets | 72.3912% | 5,353 |
| Equity capital to assets | 11.2116% | 2,659 |
| Core capital (leverage) ratio | 11.2126% | 2,262 |
| Tier 1 risk-based capital ratio | 16.4178% | 2,347 |
| Total risk-based capital ratio | 17.6709% | 2,297 |
| Memoranda: | ||
| Average total assets | $162,980,250 | 3,343 |
| Average earning assets | $151,035,250 | 3,342 |
| Average equity | $17,701,250 | 3,433 |
| Average total loans | $140,023,000 | 2,798 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5495% | 1,394 |
| Cost of funding earning assets | 0.9035% | 297 |
| Net interest margin | 3.6460% | 2,852 |
| Noninterest income to average assets | 0.7077% | 1,952 |
| Noninterest expense to average assets | 2.2554% | 4,450 |
| Loan and lease loss provision to assets | -0.9898% | 5,777 |
| Net operating income to assets | 2.0303% | 290 |
| Return on assets (ROA) | 2.0303% | 298 |
| Pretax return on assets | 2.8171% | 138 |
| Return on Equity (ROE) | 18.9034% | 267 |
| Retained earnings to average equity (ytd only) | 18.9034% | 69 |
| Net charge-offs to loans | 0.0578% | 2,100 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,948 |
| Earnings coverage of net charge-offs (x) | 36.9250% | 1,314 |
| Efficiency ratio | 55.2424% | 4,901 |
| Assets per employee ($millions) | 6.1593% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 2,752 |
| Loan loss allowance to noncurrent loans | 696.8504% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.3692% | 3,639 |
| Noncurrent loans to loans | 0.1781% | 4,408 |
| Net loans and leases to total assets | 84.7061% | 374 |
| Net loans and leases to deposits | 118.9311% | 105 |
| Net loans and leases to core deposits | 127.4282% | 357 |
| Total domestic deposits to total assets | 71.2228% | 5,498 |
| Equity capital to assets | 10.9758% | 2,833 |
| Core capital (leverage) ratio | 11.1013% | 2,313 |
| Tier 1 risk-based capital ratio | 16.3353% | 2,378 |
| Total risk-based capital ratio | 17.5891% | 2,324 |
| Memoranda: | ||
| Average total assets | $161,653,330 | 3,376 |
| Average earning assets | $149,641,670 | 3,376 |
| Average equity | $17,362,000 | 3,484 |
| Average total loans | $138,479,000 | 2,830 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5394% | 1,279 |
| Cost of funding earning assets | 0.8703% | 332 |
| Net interest margin | 3.6691% | 2,609 |
| Noninterest income to average assets | 0.2661% | 4,641 |
| Noninterest expense to average assets | 1.6067% | 5,551 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5641% | 725 |
| Return on assets (ROA) | 1.5641% | 745 |
| Pretax return on assets | 2.0461% | 466 |
| Return on Equity (ROE) | 14.7312% | 684 |
| Retained earnings to average equity (ytd only) | 14.7312% | 246 |
| Net charge-offs to loans | -0.0235% | 4,824 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9863% | 5,595 |
| Assets per employee ($millions) | 5.8157% | 1,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8815% | 814 |
| Loan loss allowance to noncurrent loans | 715.3005% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 4,053 |
| Noncurrent loans to loans | 0.2630% | 4,169 |
| Net loans and leases to total assets | 83.8399% | 385 |
| Net loans and leases to deposits | 118.4744% | 102 |
| Net loans and leases to core deposits | 126.6327% | 309 |
| Total domestic deposits to total assets | 70.7662% | 5,603 |
| Equity capital to assets | 10.5785% | 3,094 |
| Core capital (leverage) ratio | 10.8524% | 2,538 |
| Tier 1 risk-based capital ratio | 15.9051% | 2,590 |
| Total risk-based capital ratio | 17.1693% | 2,531 |
| Memoranda: | ||
| Average total assets | $159,329,000 | 3,443 |
| Average earning assets | $147,067,500 | 3,437 |
| Average equity | $16,916,500 | 3,557 |
| Average total loans | $136,399,500 | 2,869 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5734% | 1,348 |
| Cost of funding earning assets | 0.8702% | 345 |
| Net interest margin | 3.7031% | 2,681 |
| Noninterest income to average assets | 0.4467% | 3,569 |
| Noninterest expense to average assets | 2.2594% | 4,633 |
| Loan and lease loss provision to assets | 0.0453% | 3,477 |
| Net operating income to assets | 1.0626% | 2,076 |
| Return on assets (ROA) | 1.0630% | 2,176 |
| Pretax return on assets | 1.5531% | 1,420 |
| Return on Equity (ROE) | 9.8452% | 2,027 |
| Retained earnings to average equity (ytd only) | 0.8514% | 4,983 |
| Net charge-offs to loans | 0.0599% | 2,852 |
| Credit loss provision to net charge-offs | 88.6076% | 2,825 |
| Earnings coverage of net charge-offs (x) | 31.2405% | 1,394 |
| Efficiency ratio | 58.5767% | 4,780 |
| Assets per employee ($millions) | 5.7711% | 1,644 |
| Cash dividends to net income (ytd only)* | 91.3520% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9528% | 724 |
| Loan loss allowance to noncurrent loans | 625.8993% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 3,410 |
| Noncurrent loans to loans | 0.3120% | 4,025 |
| Net loans and leases to total assets | 84.1021% | 377 |
| Net loans and leases to deposits | 112.5775% | 179 |
| Net loans and leases to core deposits | 119.6798% | 490 |
| Total domestic deposits to total assets | 74.7059% | 5,381 |
| Equity capital to assets | 10.6579% | 2,970 |
| Core capital (leverage) ratio | 10.6982% | 2,657 |
| Tier 1 risk-based capital ratio | 15.4097% | 2,787 |
| Total risk-based capital ratio | 16.6739% | 2,714 |
| Memoranda: | ||
| Average total assets | $154,466,000 | 3,453 |
| Average earning assets | $142,258,800 | 3,474 |
| Average equity | $16,678,200 | 3,594 |
| Average total loans | $131,959,600 | 2,888 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5628% | 1,376 |
| Cost of funding earning assets | 0.8684% | 346 |
| Net interest margin | 3.6944% | 2,737 |
| Noninterest income to average assets | 0.4273% | 3,717 |
| Noninterest expense to average assets | 2.2941% | 4,546 |
| Loan and lease loss provision to assets | 0.0606% | 3,041 |
| Net operating income to assets | 0.9914% | 2,477 |
| Return on assets (ROA) | 0.9914% | 2,618 |
| Pretax return on assets | 1.4767% | 1,782 |
| Return on Equity (ROE) | 9.1517% | 2,423 |
| Retained earnings to average equity (ytd only) | 5.1588% | 2,722 |
| Net charge-offs to loans | 0.0740% | 2,263 |
| Credit loss provision to net charge-offs | 95.8904% | 2,440 |
| Earnings coverage of net charge-offs (x) | 24.3426% | 1,676 |
| Efficiency ratio | 59.8781% | 4,558 |
| Assets per employee ($millions) | 5.5697% | 1,784 |
| Cash dividends to net income (ytd only)* | 43.6301% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9638% | 768 |
| Loan loss allowance to noncurrent loans | 320.9816% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 3,175 |
| Noncurrent loans to loans | 0.6118% | 3,183 |
| Net loans and leases to total assets | 83.7404% | 429 |
| Net loans and leases to deposits | 114.1077% | 183 |
| Net loans and leases to core deposits | 121.4274% | 468 |
| Total domestic deposits to total assets | 73.3872% | 5,489 |
| Equity capital to assets | 11.0182% | 2,991 |
| Core capital (leverage) ratio | 10.9721% | 2,476 |
| Tier 1 risk-based capital ratio | 15.9581% | 2,642 |
| Total risk-based capital ratio | 17.2223% | 2,573 |
| Memoranda: | ||
| Average total assets | $154,127,750 | 3,477 |
| Average earning assets | $142,013,500 | 3,493 |
| Average equity | $16,696,000 | 3,623 |
| Average total loans | $131,535,250 | 2,908 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5593% | 1,357 |
| Cost of funding earning assets | 0.8610% | 356 |
| Net interest margin | 3.6983% | 2,704 |
| Noninterest income to average assets | 0.3270% | 4,442 |
| Noninterest expense to average assets | 2.3254% | 4,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9471% | 2,634 |
| Return on assets (ROA) | 0.9471% | 2,780 |
| Pretax return on assets | 1.4096% | 1,986 |
| Return on Equity (ROE) | 8.7942% | 2,589 |
| Retained earnings to average equity (ytd only) | 2.7459% | 4,155 |
| Net charge-offs to loans | 0.0718% | 2,157 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 23.0213% | 1,606 |
| Efficiency ratio | 62.2602% | 4,305 |
| Assets per employee ($millions) | 5.5233% | 1,779 |
| Cash dividends to net income (ytd only)* | 68.7758% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9451% | 831 |
| Loan loss allowance to noncurrent loans | 410.2073% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.5289% | 3,443 |
| Noncurrent loans to loans | 0.4742% | 3,663 |
| Net loans and leases to total assets | 83.8380% | 435 |
| Net loans and leases to deposits | 115.6814% | 152 |
| Net loans and leases to core deposits | 122.9067% | 438 |
| Total domestic deposits to total assets | 72.4732% | 5,641 |
| Equity capital to assets | 10.8430% | 3,242 |
| Core capital (leverage) ratio | 10.7746% | 2,675 |
| Tier 1 risk-based capital ratio | 15.8787% | 2,700 |
| Total risk-based capital ratio | 17.1426% | 2,633 |
| Memoranda: | ||
| Average total assets | $153,520,000 | 3,501 |
| Average earning assets | $141,470,000 | 3,516 |
| Average equity | $16,533,670 | 3,656 |
| Average total loans | $130,977,000 | 2,920 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5853% | 1,303 |
| Cost of funding earning assets | 0.8546% | 380 |
| Net interest margin | 3.7307% | 2,552 |
| Noninterest income to average assets | 0.3504% | 4,224 |
| Noninterest expense to average assets | 2.3641% | 4,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9519% | 2,503 |
| Return on assets (ROA) | 0.9519% | 2,621 |
| Pretax return on assets | 1.4227% | 1,830 |
| Return on Equity (ROE) | 8.8694% | 2,489 |
| Retained earnings to average equity (ytd only) | -3.3138% | 5,503 |
| Net charge-offs to loans | 0.0031% | 3,013 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 544.0000% | 97 |
| Efficiency ratio | 62.4309% | 4,383 |
| Assets per employee ($millions) | 5.6627% | 1,695 |
| Cash dividends to net income (ytd only)* | 137.3626% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0092% | 809 |
| Loan loss allowance to noncurrent loans | 427.7778% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.5252% | 3,500 |
| Noncurrent loans to loans | 0.4697% | 3,770 |
| Net loans and leases to total assets | 83.5107% | 413 |
| Net loans and leases to deposits | 114.8705% | 137 |
| Net loans and leases to core deposits | 122.0448% | 411 |
| Total domestic deposits to total assets | 72.6999% | 5,731 |
| Equity capital to assets | 10.7219% | 3,228 |
| Core capital (leverage) ratio | 10.6785% | 2,760 |
| Tier 1 risk-based capital ratio | 16.1020% | 2,632 |
| Total risk-based capital ratio | 17.3678% | 2,579 |
| Memoranda: | ||
| Average total assets | $152,953,500 | 3,539 |
| Average earning assets | $140,886,500 | 3,543 |
| Average equity | $16,416,000 | 3,674 |
| Average total loans | $130,350,500 | 2,929 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5802% | 1,385 |
| Cost of funding earning assets | 0.8516% | 366 |
| Net interest margin | 3.7286% | 2,652 |
| Noninterest income to average assets | 0.3147% | 4,641 |
| Noninterest expense to average assets | 2.3650% | 4,601 |
| Loan and lease loss provision to assets | 0.0331% | 3,704 |
| Net operating income to assets | 0.9217% | 2,749 |
| Return on assets (ROA) | 0.9203% | 2,847 |
| Pretax return on assets | 1.3422% | 2,123 |
| Return on Equity (ROE) | 8.8260% | 2,540 |
| Retained earnings to average equity (ytd only) | 8.8260% | 697 |
| Net charge-offs to loans | -0.0258% | 5,349 |
| Credit loss provision to net charge-offs | -151.5152% | 5,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1979% | 4,409 |
| Assets per employee ($millions) | 5.2763% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0084% | 790 |
| Loan loss allowance to noncurrent loans | 369.9153% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.5875% | 3,324 |
| Noncurrent loans to loans | 0.5429% | 3,536 |
| Net loans and leases to total assets | 83.5100% | 436 |
| Net loans and leases to deposits | 116.1961% | 141 |
| Net loans and leases to core deposits | 123.2287% | 402 |
| Total domestic deposits to total assets | 71.8699% | 5,804 |
| Equity capital to assets | 10.7435% | 3,082 |
| Core capital (leverage) ratio | 10.7642% | 2,645 |
| Tier 1 risk-based capital ratio | 15.6463% | 2,858 |
| Total risk-based capital ratio | 16.9108% | 2,784 |
| Memoranda: | ||
| Average total assets | $151,249,600 | 3,550 |
| Average earning assets | $139,034,000 | 3,550 |
| Average equity | $15,771,600 | 3,715 |
| Average total loans | $127,661,800 | 2,923 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5773% | 1,388 |
| Cost of funding earning assets | 0.8441% | 390 |
| Net interest margin | 3.7333% | 2,635 |
| Noninterest income to average assets | 0.2953% | 4,828 |
| Noninterest expense to average assets | 2.3508% | 4,649 |
| Loan and lease loss provision to assets | 0.0265% | 3,735 |
| Net operating income to assets | 0.9036% | 2,946 |
| Return on assets (ROA) | 0.9018% | 3,039 |
| Pretax return on assets | 1.3447% | 2,230 |
| Return on Equity (ROE) | 8.7151% | 2,725 |
| Retained earnings to average equity (ytd only) | 8.7151% | 997 |
| Net charge-offs to loans | 0.0325% | 3,269 |
| Credit loss provision to net charge-offs | 96.7742% | 2,354 |
| Earnings coverage of net charge-offs (x) | 50.1319% | 1,050 |
| Efficiency ratio | 63.1142% | 4,388 |
| Assets per employee ($millions) | 4.9979% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9545% | 987 |
| Loan loss allowance to noncurrent loans | 352.5730% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.6069% | 3,450 |
| Noncurrent loans to loans | 0.5544% | 3,670 |
| Net loans and leases to total assets | 84.8104% | 324 |
| Net loans and leases to deposits | 116.3708% | 147 |
| Net loans and leases to core deposits | 123.2916% | 395 |
| Total domestic deposits to total assets | 72.8795% | 5,799 |
| Equity capital to assets | 10.7518% | 3,299 |
| Core capital (leverage) ratio | 10.7907% | 2,728 |
| Tier 1 risk-based capital ratio | 15.9252% | 2,833 |
| Total risk-based capital ratio | 17.1905% | 2,768 |
| Memoranda: | ||
| Average total assets | $150,808,500 | 3,587 |
| Average earning assets | $138,534,000 | 3,594 |
| Average equity | $15,604,750 | 3,785 |
| Average total loans | $126,977,000 | 2,958 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 1,389 |
| Cost of funding earning assets | 0.8387% | 407 |
| Net interest margin | 3.7179% | 2,633 |
| Noninterest income to average assets | 0.3653% | 4,329 |
| Noninterest expense to average assets | 2.3746% | 4,639 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9398% | 2,689 |
| Return on assets (ROA) | 0.9398% | 2,811 |
| Pretax return on assets | 1.4057% | 1,959 |
| Return on Equity (ROE) | 9.2013% | 2,434 |
| Retained earnings to average equity (ytd only) | 9.2013% | 859 |
| Net charge-offs to loans | -0.0428% | 5,484 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8151% | 4,542 |
| Assets per employee ($millions) | 4.8098% | 2,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0134% | 966 |
| Loan loss allowance to noncurrent loans | 360.9859% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 3,486 |
| Noncurrent loans to loans | 0.5577% | 3,778 |
| Net loans and leases to total assets | 83.6569% | 398 |
| Net loans and leases to deposits | 115.1064% | 160 |
| Net loans and leases to core deposits | 123.2194% | 386 |
| Total domestic deposits to total assets | 72.6779% | 5,898 |
| Equity capital to assets | 10.5880% | 3,341 |
| Core capital (leverage) ratio | 10.5321% | 2,915 |
| Tier 1 risk-based capital ratio | 15.7992% | 2,955 |
| Total risk-based capital ratio | 17.0652% | 2,909 |
| Memoranda: | ||
| Average total assets | $151,098,670 | 3,615 |
| Average earning assets | $138,787,000 | 3,617 |
| Average equity | $15,432,670 | 3,824 |
| Average total loans | $126,070,000 | 2,983 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4969% | 1,468 |
| Cost of funding earning assets | 0.8272% | 432 |
| Net interest margin | 3.6696% | 2,736 |
| Noninterest income to average assets | 0.3077% | 4,726 |
| Noninterest expense to average assets | 2.3774% | 4,663 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8652% | 2,930 |
| Return on assets (ROA) | 0.8652% | 3,046 |
| Pretax return on assets | 1.3018% | 2,277 |
| Return on Equity (ROE) | 8.6264% | 2,637 |
| Retained earnings to average equity (ytd only) | 8.6264% | 1,333 |
| Net charge-offs to loans | -0.0319% | 5,288 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6176% | 4,375 |
| Assets per employee ($millions) | 5.0876% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0108% | 1,055 |
| Loan loss allowance to noncurrent loans | 610.5516% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.4396% | 4,277 |
| Noncurrent loans to loans | 0.3293% | 4,614 |
| Net loans and leases to total assets | 81.2910% | 539 |
| Net loans and leases to deposits | 112.2976% | 179 |
| Net loans and leases to core deposits | 119.2289% | 427 |
| Total domestic deposits to total assets | 72.3889% | 6,020 |
| Equity capital to assets | 10.1181% | 3,989 |
| Core capital (leverage) ratio | 10.1568% | 3,393 |
| Tier 1 risk-based capital ratio | 15.4598% | 3,168 |
| Total risk-based capital ratio | 16.7251% | 3,096 |
| Memoranda: | ||
| Average total assets | $152,096,500 | 3,621 |
| Average earning assets | $139,741,000 | 3,628 |
| Average equity | $15,255,500 | 3,880 |
| Average total loans | $125,456,000 | 2,992 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6140% | 1,519 |
| Cost of funding earning assets | 0.8479% | 514 |
| Net interest margin | 3.7660% | 2,750 |
| Noninterest income to average assets | 0.2631% | 5,248 |
| Noninterest expense to average assets | 2.2854% | 5,147 |
| Loan and lease loss provision to assets | 0.2991% | 689 |
| Net operating income to assets | 0.7550% | 3,600 |
| Return on assets (ROA) | 0.8885% | 3,011 |
| Pretax return on assets | 1.3256% | 2,156 |
| Return on Equity (ROE) | 8.8010% | 2,680 |
| Retained earnings to average equity (ytd only) | 5.4341% | 2,304 |
| Net charge-offs to loans | -0.0042% | 5,445 |
| Credit loss provision to net charge-offs | -8,800.0000% | 6,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5864% | 4,973 |
| Assets per employee ($millions) | 5.4131% | 1,845 |
| Cash dividends to net income (ytd only)* | 38.2555% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0403% | 1,041 |
| Loan loss allowance to noncurrent loans | 603.8095% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.4447% | 4,336 |
| Noncurrent loans to loans | 0.3379% | 4,639 |
| Net loans and leases to total assets | 80.3333% | 701 |
| Net loans and leases to deposits | 112.4276% | 184 |
| Net loans and leases to core deposits | 120.2881% | 403 |
| Total domestic deposits to total assets | 71.4534% | 6,120 |
| Equity capital to assets | 9.9415% | 4,187 |
| Core capital (leverage) ratio | 9.9646% | 3,626 |
| Tier 1 risk-based capital ratio | 15.4730% | 3,237 |
| Total risk-based capital ratio | 16.7392% | 3,166 |
| Memoranda: | ||
| Average total assets | $147,107,600 | 3,678 |
| Average earning assets | $134,677,800 | 3,685 |
| Average equity | $14,850,600 | 3,869 |
| Average total loans | $120,291,600 | 3,033 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6297% | 1,489 |
| Cost of funding earning assets | 0.8645% | 500 |
| Net interest margin | 3.7653% | 2,758 |
| Noninterest income to average assets | 0.2840% | 5,172 |
| Noninterest expense to average assets | 2.3489% | 4,967 |
| Loan and lease loss provision to assets | 0.3470% | 510 |
| Net operating income to assets | 0.6984% | 3,948 |
| Return on assets (ROA) | 0.8776% | 3,129 |
| Pretax return on assets | 1.3005% | 2,374 |
| Return on Equity (ROE) | 8.6596% | 2,868 |
| Retained earnings to average equity (ytd only) | 8.6596% | 1,115 |
| Net charge-offs to loans | 0.0011% | 4,672 |
| Credit loss provision to net charge-offs | 38,000.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 1,514.7519% | 37 |
| Efficiency ratio | 62.9929% | 4,725 |
| Assets per employee ($millions) | 5.4580% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0524% | 1,161 |
| Loan loss allowance to noncurrent loans | 620.6030% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.5469% | 4,218 |
| Noncurrent loans to loans | 0.3307% | 4,911 |
| Net loans and leases to total assets | 79.9905% | 713 |
| Net loans and leases to deposits | 106.6239% | 306 |
| Net loans and leases to core deposits | 115.3473% | 537 |
| Total domestic deposits to total assets | 75.0212% | 5,921 |
| Equity capital to assets | 10.3023% | 3,784 |
| Core capital (leverage) ratio | 10.3532% | 3,208 |
| Tier 1 risk-based capital ratio | 16.1899% | 2,964 |
| Total risk-based capital ratio | 17.4569% | 2,910 |
| Memoranda: | ||
| Average total assets | $145,993,000 | 3,730 |
| Average earning assets | $133,568,750 | 3,727 |
| Average equity | $14,796,250 | 3,895 |
| Average total loans | $119,291,000 | 3,071 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6082% | 1,510 |
| Cost of funding earning assets | 0.8562% | 543 |
| Net interest margin | 3.7521% | 2,750 |
| Noninterest income to average assets | 0.3023% | 4,989 |
| Noninterest expense to average assets | 2.3225% | 5,100 |
| Loan and lease loss provision to assets | 0.3023% | 648 |
| Net operating income to assets | 0.7475% | 3,582 |
| Return on assets (ROA) | 0.8616% | 3,103 |
| Pretax return on assets | 1.2808% | 2,332 |
| Return on Equity (ROE) | 8.5494% | 2,814 |
| Retained earnings to average equity (ytd only) | 8.5494% | 1,129 |
| Net charge-offs to loans | 0.0135% | 3,969 |
| Credit loss provision to net charge-offs | 2,750.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 128.5000% | 466 |
| Efficiency ratio | 62.1781% | 4,983 |
| Assets per employee ($millions) | 5.7665% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9107% | 1,558 |
| Loan loss allowance to noncurrent loans | 231.9235% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.9371% | 3,204 |
| Noncurrent loans to loans | 0.8238% | 3,643 |
| Net loans and leases to total assets | 78.8573% | 809 |
| Net loans and leases to deposits | 105.7930% | 311 |
| Net loans and leases to core deposits | 113.4482% | 558 |
| Total domestic deposits to total assets | 74.5393% | 6,059 |
| Equity capital to assets | 10.0021% | 4,104 |
| Core capital (leverage) ratio | 9.9527% | 3,675 |
| Tier 1 risk-based capital ratio | 15.8470% | 3,176 |
| Total risk-based capital ratio | 17.1936% | 3,060 |
| Memoranda: | ||
| Average total assets | $145,535,670 | 3,752 |
| Average earning assets | $133,153,000 | 3,755 |
| Average equity | $14,667,670 | 3,914 |
| Average total loans | $118,938,670 | 3,084 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6826% | 1,300 |
| Cost of funding earning assets | 0.8247% | 651 |
| Net interest margin | 3.8579% | 2,239 |
| Noninterest income to average assets | 0.3098% | 4,886 |
| Noninterest expense to average assets | 2.3162% | 5,155 |
| Loan and lease loss provision to assets | 0.1674% | 1,447 |
| Net operating income to assets | 0.9023% | 2,638 |
| Return on assets (ROA) | 0.9042% | 2,698 |
| Pretax return on assets | 1.3534% | 1,902 |
| Return on Equity (ROE) | 8.9358% | 2,493 |
| Retained earnings to average equity (ytd only) | 8.9358% | 1,268 |
| Net charge-offs to loans | -0.0339% | 5,629 |
| Credit loss provision to net charge-offs | -600.0000% | 5,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4076% | 5,348 |
| Assets per employee ($millions) | 5.3003% | 1,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8263% | 1,966 |
| Loan loss allowance to noncurrent loans | 416.3776% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.6415% | 4,215 |
| Noncurrent loans to loans | 0.4386% | 4,831 |
| Net loans and leases to total assets | 81.1749% | 437 |
| Net loans and leases to deposits | 108.9798% | 168 |
| Net loans and leases to core deposits | 116.9459% | 385 |
| Total domestic deposits to total assets | 74.4862% | 6,201 |
| Equity capital to assets | 10.2783% | 3,507 |
| Core capital (leverage) ratio | 10.2225% | 3,258 |
| Tier 1 risk-based capital ratio | 15.7917% | 3,274 |
| Total risk-based capital ratio | 17.2024% | 3,143 |
| Memoranda: | ||
| Average total assets | $143,339,000 | 3,820 |
| Average earning assets | $130,953,000 | 3,819 |
| Average equity | $14,503,500 | 3,949 |
| Average total loans | $118,141,500 | 3,110 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8467% | 1,206 |
| Cost of funding earning assets | 0.9453% | 591 |
| Net interest margin | 3.9015% | 2,276 |
| Noninterest income to average assets | 0.2226% | 5,742 |
| Noninterest expense to average assets | 2.3636% | 5,190 |
| Loan and lease loss provision to assets | 0.2991% | 1,128 |
| Net operating income to assets | 0.7747% | 3,421 |
| Return on assets (ROA) | 0.7881% | 3,456 |
| Pretax return on assets | 1.1394% | 2,809 |
| Return on Equity (ROE) | 8.1147% | 2,975 |
| Retained earnings to average equity (ytd only) | 4.5336% | 2,944 |
| Net charge-offs to loans | 0.2848% | 2,267 |
| Credit loss provision to net charge-offs | 126.8437% | 1,861 |
| Earnings coverage of net charge-offs (x) | 6.0177% | 3,151 |
| Efficiency ratio | 62.4862% | 5,124 |
| Assets per employee ($millions) | 5.3174% | 1,827 |
| Cash dividends to net income (ytd only)* | 44.1306% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7727% | 2,153 |
| Loan loss allowance to noncurrent loans | 300.8633% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.8149% | 3,850 |
| Noncurrent loans to loans | 0.5892% | 4,513 |
| Net loans and leases to total assets | 80.7015% | 525 |
| Net loans and leases to deposits | 108.5306% | 191 |
| Net loans and leases to core deposits | 117.3841% | 383 |
| Total domestic deposits to total assets | 74.3583% | 6,254 |
| Equity capital to assets | 9.9588% | 3,826 |
| Core capital (leverage) ratio | 9.9570% | 3,633 |
| Tier 1 risk-based capital ratio | 15.4394% | 3,410 |
| Total risk-based capital ratio | 16.8175% | 3,286 |
| Memoranda: | ||
| Average total assets | $143,762,000 | 3,818 |
| Average earning assets | $131,181,600 | 3,819 |
| Average equity | $13,962,400 | 4,080 |
| Average total loans | $119,044,400 | 3,061 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8704% | 1,190 |
| Cost of funding earning assets | 0.9653% | 592 |
| Net interest margin | 3.9051% | 2,257 |
| Noninterest income to average assets | 0.2995% | 5,303 |
| Noninterest expense to average assets | 2.3605% | 5,149 |
| Loan and lease loss provision to assets | 0.3060% | 1,109 |
| Net operating income to assets | 0.8013% | 3,336 |
| Return on assets (ROA) | 0.8187% | 3,380 |
| Pretax return on assets | 1.2220% | 2,611 |
| Return on Equity (ROE) | 8.4829% | 2,887 |
| Retained earnings to average equity (ytd only) | 3.6794% | 4,082 |
| Net charge-offs to loans | 0.2950% | 2,059 |
| Credit loss provision to net charge-offs | 125.0000% | 1,879 |
| Earnings coverage of net charge-offs (x) | 6.1364% | 3,037 |
| Efficiency ratio | 61.1138% | 5,260 |
| Assets per employee ($millions) | 5.3769% | 1,762 |
| Cash dividends to net income (ytd only)* | 56.6253% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7469% | 2,464 |
| Loan loss allowance to noncurrent loans | 342.0530% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.7997% | 4,105 |
| Noncurrent loans to loans | 0.5107% | 4,914 |
| Net loans and leases to total assets | 80.0413% | 542 |
| Net loans and leases to deposits | 106.7622% | 219 |
| Net loans and leases to core deposits | 115.2881% | 417 |
| Total domestic deposits to total assets | 74.9716% | 6,281 |
| Equity capital to assets | 9.6490% | 4,357 |
| Core capital (leverage) ratio | 9.6714% | 4,141 |
| Tier 1 risk-based capital ratio | 15.1535% | 3,654 |
| Total risk-based capital ratio | 16.4559% | 3,583 |
| Memoranda: | ||
| Average total assets | $143,809,750 | 3,849 |
| Average earning assets | $131,210,750 | 3,861 |
| Average equity | $13,878,500 | 4,139 |
| Average total loans | $119,316,750 | 3,072 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8998% | 1,098 |
| Cost of funding earning assets | 0.9858% | 578 |
| Net interest margin | 3.9140% | 2,173 |
| Noninterest income to average assets | 0.3334% | 5,031 |
| Noninterest expense to average assets | 2.3941% | 5,071 |
| Loan and lease loss provision to assets | 0.3767% | 862 |
| Net operating income to assets | 0.7701% | 3,465 |
| Return on assets (ROA) | 0.7966% | 3,470 |
| Pretax return on assets | 1.1691% | 2,809 |
| Return on Equity (ROE) | 8.2542% | 2,963 |
| Retained earnings to average equity (ytd only) | 1.0264% | 5,494 |
| Net charge-offs to loans | 0.3844% | 1,681 |
| Credit loss provision to net charge-offs | 117.3913% | 1,890 |
| Earnings coverage of net charge-offs (x) | 4.6957% | 3,063 |
| Efficiency ratio | 61.3734% | 5,268 |
| Assets per employee ($millions) | 5.5161% | 1,572 |
| Cash dividends to net income (ytd only)* | 87.5657% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7268% | 2,682 |
| Loan loss allowance to noncurrent loans | 338.3085% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.7419% | 4,358 |
| Noncurrent loans to loans | 0.5104% | 4,992 |
| Net loans and leases to total assets | 80.9509% | 446 |
| Net loans and leases to deposits | 105.8149% | 224 |
| Net loans and leases to core deposits | 113.0765% | 459 |
| Total domestic deposits to total assets | 76.5024% | 6,197 |
| Equity capital to assets | 9.5287% | 4,551 |
| Core capital (leverage) ratio | 9.5703% | 4,124 |
| Tier 1 risk-based capital ratio | 14.7715% | 3,927 |
| Total risk-based capital ratio | 16.0698% | 3,864 |
| Memoranda: | ||
| Average total assets | $143,354,670 | 3,887 |
| Average earning assets | $130,658,330 | 3,892 |
| Average equity | $13,835,330 | 4,183 |
| Average total loans | $119,667,000 | 3,076 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9446% | 983 |
| Cost of funding earning assets | 1.0631% | 448 |
| Net interest margin | 3.8816% | 2,173 |
| Noninterest income to average assets | 0.3879% | 4,556 |
| Noninterest expense to average assets | 2.4253% | 5,030 |
| Loan and lease loss provision to assets | 0.3349% | 1,003 |
| Net operating income to assets | 0.7815% | 3,268 |
| Return on assets (ROA) | 0.7815% | 3,405 |
| Pretax return on assets | 1.1638% | 2,708 |
| Return on Equity (ROE) | 8.0460% | 2,949 |
| Retained earnings to average equity (ytd only) | 8.0460% | 1,738 |
| Net charge-offs to loans | 0.3587% | 1,566 |
| Credit loss provision to net charge-offs | 111.1111% | 1,681 |
| Earnings coverage of net charge-offs (x) | 4.9722% | 2,432 |
| Efficiency ratio | 61.8065% | 5,333 |
| Assets per employee ($millions) | 5.7553% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6963% | 3,027 |
| Loan loss allowance to noncurrent loans | 253.0818% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.8778% | 4,187 |
| Noncurrent loans to loans | 0.6703% | 4,778 |
| Net loans and leases to total assets | 81.0353% | 347 |
| Net loans and leases to deposits | 103.8477% | 233 |
| Net loans and leases to core deposits | 111.6638% | 445 |
| Total domestic deposits to total assets | 78.0328% | 6,109 |
| Equity capital to assets | 9.7781% | 4,456 |
| Core capital (leverage) ratio | 9.6984% | 3,796 |
| Tier 1 risk-based capital ratio | 15.0454% | 3,806 |
| Total risk-based capital ratio | 16.3512% | 3,726 |
| Memoranda: | ||
| Average total assets | $143,322,500 | 3,925 |
| Average earning assets | $130,565,500 | 3,929 |
| Average equity | $13,920,000 | 4,213 |
| Average total loans | $120,431,000 | 3,081 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1816% | 1,151 |
| Cost of funding earning assets | 1.2900% | 390 |
| Net interest margin | 3.8916% | 2,867 |
| Noninterest income to average assets | 0.2209% | 5,859 |
| Noninterest expense to average assets | 2.2775% | 5,750 |
| Loan and lease loss provision to assets | 0.3858% | 1,691 |
| Net operating income to assets | 0.7316% | 3,598 |
| Return on assets (ROA) | 0.7316% | 3,843 |
| Pretax return on assets | 1.1040% | 3,143 |
| Return on Equity (ROE) | 7.8071% | 3,182 |
| Retained earnings to average equity (ytd only) | 6.3101% | 1,918 |
| Net charge-offs to loans | 0.0443% | 5,294 |
| Credit loss provision to net charge-offs | 1,037.7358% | 249 |
| Earnings coverage of net charge-offs (x) | 40.0755% | 800 |
| Efficiency ratio | 60.4543% | 5,477 |
| Assets per employee ($millions) | 5.4908% | 1,691 |
| Cash dividends to net income (ytd only)* | 19.1755% | 3,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6359% | 3,159 |
| Loan loss allowance to noncurrent loans | 224.4669% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 1.0696% | 3,890 |
| Noncurrent loans to loans | 0.7288% | 4,722 |
| Net loans and leases to total assets | 84.2339% | 204 |
| Net loans and leases to deposits | 109.2106% | 169 |
| Net loans and leases to core deposits | 115.6377% | 371 |
| Total domestic deposits to total assets | 77.1298% | 6,209 |
| Equity capital to assets | 9.6461% | 4,662 |
| Core capital (leverage) ratio | 9.5771% | 3,999 |
| Tier 1 risk-based capital ratio | 14.3965% | 4,097 |
| Total risk-based capital ratio | 15.6779% | 4,030 |
| Memoranda: | ||
| Average total assets | $142,566,400 | 3,907 |
| Average earning assets | $129,922,400 | 3,898 |
| Average equity | $13,359,600 | 4,282 |
| Average total loans | $119,735,400 | 3,080 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1962% | 1,202 |
| Cost of funding earning assets | 1.3267% | 392 |
| Net interest margin | 3.8694% | 3,029 |
| Noninterest income to average assets | 0.2124% | 6,021 |
| Noninterest expense to average assets | 2.2443% | 5,834 |
| Loan and lease loss provision to assets | 0.3649% | 1,783 |
| Net operating income to assets | 0.7662% | 3,622 |
| Return on assets (ROA) | 0.7662% | 3,874 |
| Pretax return on assets | 1.1311% | 3,228 |
| Return on Equity (ROE) | 8.2371% | 3,170 |
| Retained earnings to average equity (ytd only) | 6.2256% | 2,543 |
| Net charge-offs to loans | 0.0302% | 5,228 |
| Credit loss provision to net charge-offs | 1,444.4444% | 192 |
| Earnings coverage of net charge-offs (x) | 59.2208% | 656 |
| Efficiency ratio | 60.0050% | 5,497 |
| Assets per employee ($millions) | 5.2467% | 1,884 |
| Cash dividends to net income (ytd only)* | 24.4201% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5323% | 3,808 |
| Loan loss allowance to noncurrent loans | 107.3648% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 1.6194% | 3,158 |
| Noncurrent loans to loans | 1.4272% | 3,658 |
| Net loans and leases to total assets | 84.6472% | 195 |
| Net loans and leases to deposits | 109.5067% | 165 |
| Net loans and leases to core deposits | 115.9702% | 387 |
| Total domestic deposits to total assets | 77.2986% | 6,190 |
| Equity capital to assets | 9.5531% | 5,139 |
| Core capital (leverage) ratio | 9.4924% | 4,283 |
| Tier 1 risk-based capital ratio | 14.1690% | 4,399 |
| Total risk-based capital ratio | 15.4300% | 4,359 |
| Memoranda: | ||
| Average total assets | $142,517,500 | 3,947 |
| Average earning assets | $129,939,000 | 3,937 |
| Average equity | $13,256,750 | 4,351 |
| Average total loans | $119,105,750 | 3,135 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2034% | 1,242 |
| Cost of funding earning assets | 1.3585% | 410 |
| Net interest margin | 3.8449% | 3,155 |
| Noninterest income to average assets | 0.1471% | 6,461 |
| Noninterest expense to average assets | 2.2044% | 5,997 |
| Loan and lease loss provision to assets | 0.3781% | 1,735 |
| Net operating income to assets | 0.7241% | 3,732 |
| Return on assets (ROA) | 0.7241% | 4,010 |
| Pretax return on assets | 1.0686% | 3,428 |
| Return on Equity (ROE) | 7.8544% | 3,321 |
| Retained earnings to average equity (ytd only) | 7.8544% | 1,698 |
| Net charge-offs to loans | 0.0592% | 4,592 |
| Credit loss provision to net charge-offs | 771.4286% | 408 |
| Earnings coverage of net charge-offs (x) | 29.5143% | 1,084 |
| Efficiency ratio | 60.3759% | 5,517 |
| Assets per employee ($millions) | 5.2247% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 4,208 |
| Loan loss allowance to noncurrent loans | 114.7952% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 1.6482% | 3,249 |
| Noncurrent loans to loans | 1.2716% | 4,013 |
| Net loans and leases to total assets | 83.1689% | 258 |
| Net loans and leases to deposits | 105.6735% | 237 |
| Net loans and leases to core deposits | 111.5917% | 518 |
| Total domestic deposits to total assets | 78.7036% | 6,019 |
| Equity capital to assets | 9.5211% | 5,028 |
| Core capital (leverage) ratio | 9.4601% | 4,197 |
| Tier 1 risk-based capital ratio | 14.1446% | 4,345 |
| Total risk-based capital ratio | 15.4185% | 4,293 |
| Memoranda: | ||
| Average total assets | $142,803,000 | 3,956 |
| Average earning assets | $130,146,000 | 3,957 |
| Average equity | $13,164,670 | 4,363 |
| Average total loans | $118,215,000 | 3,176 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2129% | 1,287 |
| Cost of funding earning assets | 1.3704% | 468 |
| Net interest margin | 3.8425% | 3,172 |
| Noninterest income to average assets | 0.1559% | 6,458 |
| Noninterest expense to average assets | 2.2607% | 5,877 |
| Loan and lease loss provision to assets | 0.3341% | 1,873 |
| Net operating income to assets | 0.7183% | 3,791 |
| Return on assets (ROA) | 0.7183% | 4,015 |
| Pretax return on assets | 1.0663% | 3,452 |
| Return on Equity (ROE) | 7.9193% | 3,320 |
| Retained earnings to average equity (ytd only) | 7.9193% | 2,015 |
| Net charge-offs to loans | 0.1562% | 3,157 |
| Credit loss provision to net charge-offs | 260.8696% | 1,109 |
| Earnings coverage of net charge-offs (x) | 10.9348% | 1,713 |
| Efficiency ratio | 61.7490% | 5,317 |
| Assets per employee ($millions) | 5.3189% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 4,861 |
| Loan loss allowance to noncurrent loans | 122.2481% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 1.3885% | 3,789 |
| Noncurrent loans to loans | 1.0915% | 4,506 |
| Net loans and leases to total assets | 81.1962% | 323 |
| Net loans and leases to deposits | 103.4503% | 269 |
| Net loans and leases to core deposits | 109.3435% | 556 |
| Total domestic deposits to total assets | 78.4881% | 6,191 |
| Equity capital to assets | 9.1596% | 5,280 |
| Core capital (leverage) ratio | 9.1060% | 4,675 |
| Tier 1 risk-based capital ratio | 13.6955% | 4,683 |
| Total risk-based capital ratio | 14.9648% | 4,655 |
| Memoranda: | ||
| Average total assets | $143,671,500 | 3,979 |
| Average earning assets | $131,060,500 | 3,966 |
| Average equity | $13,031,500 | 4,403 |
| Average total loans | $117,792,000 | 3,200 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2627% | 1,825 |
| Cost of funding earning assets | 1.6549% | 389 |
| Net interest margin | 3.6077% | 4,701 |
| Noninterest income to average assets | 0.3737% | 4,838 |
| Noninterest expense to average assets | 2.2711% | 6,112 |
| Loan and lease loss provision to assets | 0.5141% | 2,050 |
| Net operating income to assets | 0.5952% | 4,024 |
| Return on assets (ROA) | 0.6410% | 3,973 |
| Pretax return on assets | 0.9452% | 3,444 |
| Return on Equity (ROE) | 7.2109% | 3,300 |
| Retained earnings to average equity (ytd only) | 4.8179% | 2,776 |
| Net charge-offs to loans | 0.6424% | 2,540 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 2.7076% | 3,859 |
| Efficiency ratio | 62.0015% | 5,460 |
| Assets per employee ($millions) | 5.3235% | 1,810 |
| Cash dividends to net income (ytd only)* | 33.1858% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 5,015 |
| Loan loss allowance to noncurrent loans | 119.5704% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 1.3476% | 3,983 |
| Noncurrent loans to loans | 1.0707% | 4,568 |
| Net loans and leases to total assets | 80.6344% | 430 |
| Net loans and leases to deposits | 101.8275% | 386 |
| Net loans and leases to core deposits | 109.0629% | 650 |
| Total domestic deposits to total assets | 79.1872% | 5,949 |
| Equity capital to assets | 8.9812% | 5,572 |
| Core capital (leverage) ratio | 8.9356% | 4,884 |
| Tier 1 risk-based capital ratio | 13.6951% | 4,559 |
| Total risk-based capital ratio | 14.7588% | 4,653 |
| Memoranda: | ||
| Average total assets | $141,033,000 | 3,959 |
| Average earning assets | $128,584,800 | 3,959 |
| Average equity | $12,536,600 | 4,435 |
| Average total loans | $112,866,000 | 3,315 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3003% | 1,855 |
| Cost of funding earning assets | 1.7320% | 348 |
| Net interest margin | 3.5683% | 4,908 |
| Noninterest income to average assets | 0.2726% | 5,667 |
| Noninterest expense to average assets | 2.3140% | 5,991 |
| Loan and lease loss provision to assets | 0.4322% | 2,315 |
| Net operating income to assets | 0.5199% | 4,459 |
| Return on assets (ROA) | 0.5804% | 4,356 |
| Pretax return on assets | 0.8692% | 3,882 |
| Return on Equity (ROE) | 6.5468% | 3,743 |
| Retained earnings to average equity (ytd only) | 4.1359% | 3,788 |
| Net charge-offs to loans | 0.6014% | 2,456 |
| Credit loss provision to net charge-offs | 90.2778% | 3,762 |
| Earnings coverage of net charge-offs (x) | 2.5298% | 3,866 |
| Efficiency ratio | 65.6427% | 4,785 |
| Assets per employee ($millions) | 5.0643% | 2,109 |
| Cash dividends to net income (ytd only)* | 36.8244% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 5,031 |
| Loan loss allowance to noncurrent loans | 92.3761% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 1.4810% | 3,895 |
| Noncurrent loans to loans | 1.4023% | 4,189 |
| Net loans and leases to total assets | 81.0262% | 425 |
| Net loans and leases to deposits | 101.7850% | 398 |
| Net loans and leases to core deposits | 110.2715% | 662 |
| Total domestic deposits to total assets | 79.6052% | 5,846 |
| Equity capital to assets | 9.2975% | 5,386 |
| Core capital (leverage) ratio | 9.2450% | 4,552 |
| Tier 1 risk-based capital ratio | 14.0407% | 4,328 |
| Total risk-based capital ratio | 15.0965% | 4,422 |
| Memoranda: | ||
| Average total assets | $140,357,750 | 3,985 |
| Average earning assets | $127,939,750 | 3,997 |
| Average equity | $12,443,500 | 4,464 |
| Average total loans | $111,732,000 | 3,372 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2356% | 2,120 |
| Cost of funding earning assets | 1.8071% | 303 |
| Net interest margin | 3.4284% | 5,450 |
| Noninterest income to average assets | 0.2896% | 5,561 |
| Noninterest expense to average assets | 2.3085% | 6,098 |
| Loan and lease loss provision to assets | 0.3815% | 2,509 |
| Net operating income to assets | 0.4931% | 4,531 |
| Return on assets (ROA) | 0.4931% | 4,670 |
| Pretax return on assets | 0.7276% | 4,285 |
| Return on Equity (ROE) | 5.6501% | 4,138 |
| Retained earnings to average equity (ytd only) | 3.2217% | 4,216 |
| Net charge-offs to loans | 0.6203% | 2,286 |
| Credit loss provision to net charge-offs | 78.0347% | 3,828 |
| Earnings coverage of net charge-offs (x) | 2.2688% | 3,695 |
| Efficiency ratio | 67.5486% | 4,599 |
| Assets per employee ($millions) | 5.1391% | 1,947 |
| Cash dividends to net income (ytd only)* | 42.9799% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2780% | 5,163 |
| Loan loss allowance to noncurrent loans | 79.7652% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.5387% | 3,896 |
| Noncurrent loans to loans | 1.6022% | 3,991 |
| Net loans and leases to total assets | 79.4443% | 596 |
| Net loans and leases to deposits | 98.4346% | 572 |
| Net loans and leases to core deposits | 106.9071% | 874 |
| Total domestic deposits to total assets | 80.7077% | 5,623 |
| Equity capital to assets | 9.0036% | 5,576 |
| Core capital (leverage) ratio | 8.9767% | 4,762 |
| Tier 1 risk-based capital ratio | 13.7380% | 4,354 |
| Total risk-based capital ratio | 14.7905% | 4,482 |
| Memoranda: | ||
| Average total assets | $141,565,000 | 4,001 |
| Average earning assets | $129,155,330 | 4,010 |
| Average equity | $12,353,670 | 4,463 |
| Average total loans | $111,560,670 | 3,420 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2107% | 2,187 |
| Cost of funding earning assets | 1.8892% | 263 |
| Net interest margin | 3.3215% | 5,703 |
| Noninterest income to average assets | 0.2938% | 5,568 |
| Noninterest expense to average assets | 2.2578% | 6,288 |
| Loan and lease loss provision to assets | 0.3497% | 2,464 |
| Net operating income to assets | 0.4868% | 4,540 |
| Return on assets (ROA) | 0.4868% | 4,623 |
| Pretax return on assets | 0.7162% | 4,239 |
| Return on Equity (ROE) | 5.6659% | 4,080 |
| Retained earnings to average equity (ytd only) | 3.2237% | 4,240 |
| Net charge-offs to loans | 1.0438% | 1,309 |
| Credit loss provision to net charge-offs | 42.9553% | 3,889 |
| Earnings coverage of net charge-offs (x) | 1.3093% | 3,694 |
| Efficiency ratio | 67.9293% | 4,669 |
| Assets per employee ($millions) | 5.3896% | 1,674 |
| Cash dividends to net income (ytd only)* | 43.1034% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 5,632 |
| Loan loss allowance to noncurrent loans | 71.4209% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 1.7855% | 3,595 |
| Noncurrent loans to loans | 1.6811% | 3,961 |
| Net loans and leases to total assets | 78.5128% | 678 |
| Net loans and leases to deposits | 99.6179% | 491 |
| Net loans and leases to core deposits | 110.3843% | 701 |
| Total domestic deposits to total assets | 78.8140% | 6,235 |
| Equity capital to assets | 8.8111% | 5,473 |
| Core capital (leverage) ratio | 8.8098% | 4,912 |
| Tier 1 risk-based capital ratio | 13.8092% | 4,205 |
| Total risk-based capital ratio | 14.8607% | 4,319 |
| Memoranda: | ||
| Average total assets | $142,970,000 | 4,014 |
| Average earning assets | $130,423,000 | 4,018 |
| Average equity | $12,284,000 | 4,488 |
| Average total loans | $111,511,000 | 3,454 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4702% | 2,401 |
| Cost of funding earning assets | 2.3977% | 154 |
| Net interest margin | 3.0725% | 6,592 |
| Noninterest income to average assets | 0.3467% | 5,324 |
| Noninterest expense to average assets | 2.1747% | 6,682 |
| Loan and lease loss provision to assets | 0.3757% | 3,869 |
| Net operating income to assets | 0.4039% | 4,522 |
| Return on assets (ROA) | 0.4039% | 4,658 |
| Pretax return on assets | 0.5397% | 4,502 |
| Return on Equity (ROE) | 4.9147% | 4,104 |
| Retained earnings to average equity (ytd only) | 4.9147% | 2,465 |
| Net charge-offs to loans | 0.8346% | 2,547 |
| Credit loss provision to net charge-offs | 57.2479% | 6,131 |
| Earnings coverage of net charge-offs (x) | 1.3950% | 4,717 |
| Efficiency ratio | 70.3770% | 4,097 |
| Assets per employee ($millions) | 5.2075% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3460% | 4,775 |
| Loan loss allowance to noncurrent loans | 57.5862% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 2.2797% | 2,993 |
| Noncurrent loans to loans | 2.3373% | 3,181 |
| Net loans and leases to total assets | 75.5517% | 1,361 |
| Net loans and leases to deposits | 101.9480% | 488 |
| Net loans and leases to core deposits | 113.4930% | 747 |
| Total domestic deposits to total assets | 74.1081% | 6,880 |
| Equity capital to assets | 8.3815% | 6,031 |
| Core capital (leverage) ratio | 8.3808% | 5,576 |
| Tier 1 risk-based capital ratio | 13.3634% | 4,318 |
| Total risk-based capital ratio | 14.4198% | 4,427 |
| Memoranda: | ||
| Average total assets | $145,074,800 | 3,967 |
| Average earning assets | $129,538,200 | 4,026 |
| Average equity | $11,923,400 | 4,632 |
| Average total loans | $114,072,400 | 3,448 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5631% | 2,200 |
| Cost of funding earning assets | 2.4742% | 157 |
| Net interest margin | 3.0889% | 6,639 |
| Noninterest income to average assets | 0.3294% | 5,523 |
| Noninterest expense to average assets | 2.1689% | 6,687 |
| Loan and lease loss provision to assets | 0.3267% | 3,973 |
| Net operating income to assets | 0.3957% | 4,768 |
| Return on assets (ROA) | 0.3957% | 4,949 |
| Pretax return on assets | 0.5761% | 4,676 |
| Return on Equity (ROE) | 4.8386% | 4,379 |
| Retained earnings to average equity (ytd only) | 4.8386% | 3,093 |
| Net charge-offs to loans | 0.8476% | 2,330 |
| Credit loss provision to net charge-offs | 48.6968% | 5,902 |
| Earnings coverage of net charge-offs (x) | 1.3457% | 4,734 |
| Efficiency ratio | 70.6111% | 3,956 |
| Assets per employee ($millions) | 5.4630% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 4,590 |
| Loan loss allowance to noncurrent loans | 52.9108% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 2.4393% | 2,932 |
| Noncurrent loans to loans | 2.6024% | 3,023 |
| Net loans and leases to total assets | 74.5854% | 1,669 |
| Net loans and leases to deposits | 104.0439% | 427 |
| Net loans and leases to core deposits | 114.7292% | 805 |
| Total domestic deposits to total assets | 71.6865% | 7,164 |
| Equity capital to assets | 8.1789% | 6,633 |
| Core capital (leverage) ratio | 8.1782% | 6,074 |
| Tier 1 risk-based capital ratio | 12.9236% | 4,634 |
| Total risk-based capital ratio | 13.9810% | 4,770 |
| Memoranda: | ||
| Average total assets | $144,891,000 | 4,023 |
| Average earning assets | $128,629,250 | 4,095 |
| Average equity | $11,849,000 | 4,721 |
| Average total loans | $114,674,250 | 3,487 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6976% | 1,774 |
| Cost of funding earning assets | 2.5400% | 151 |
| Net interest margin | 3.1576% | 6,438 |
| Noninterest income to average assets | 0.2958% | 5,780 |
| Noninterest expense to average assets | 2.1302% | 6,817 |
| Loan and lease loss provision to assets | 0.3749% | 3,468 |
| Net operating income to assets | 0.3833% | 4,834 |
| Return on assets (ROA) | 0.3833% | 4,996 |
| Pretax return on assets | 0.5666% | 4,683 |
| Return on Equity (ROE) | 4.6870% | 4,445 |
| Retained earnings to average equity (ytd only) | 4.6870% | 3,094 |
| Net charge-offs to loans | 0.8400% | 2,150 |
| Credit loss provision to net charge-offs | 55.5556% | 5,306 |
| Earnings coverage of net charge-offs (x) | 1.3951% | 4,442 |
| Efficiency ratio | 69.3490% | 4,306 |
| Assets per employee ($millions) | 5.3490% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 3,991 |
| Loan loss allowance to noncurrent loans | 48.3172% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 2.9275% | 2,456 |
| Noncurrent loans to loans | 3.0772% | 2,616 |
| Net loans and leases to total assets | 77.7174% | 1,161 |
| Net loans and leases to deposits | 110.4354% | 262 |
| Net loans and leases to core deposits | 121.8951% | 636 |
| Total domestic deposits to total assets | 70.3736% | 7,304 |
| Equity capital to assets | 8.2467% | 6,484 |
| Core capital (leverage) ratio | 8.2454% | 5,863 |
| Tier 1 risk-based capital ratio | 12.3967% | 4,952 |
| Total risk-based capital ratio | 13.6532% | 4,923 |
| Memoranda: | ||
| Average total assets | $144,020,670 | 4,057 |
| Average earning assets | $126,614,670 | 4,167 |
| Average equity | $11,777,330 | 4,737 |
| Average total loans | $115,715,330 | 3,489 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7614% | 1,593 |
| Cost of funding earning assets | 2.5394% | 205 |
| Net interest margin | 3.2220% | 6,223 |
| Noninterest income to average assets | 0.2809% | 5,892 |
| Noninterest expense to average assets | 2.1332% | 6,854 |
| Loan and lease loss provision to assets | 0.4033% | 2,947 |
| Net operating income to assets | 0.3922% | 4,868 |
| Return on assets (ROA) | 0.3922% | 5,012 |
| Pretax return on assets | 0.6063% | 4,576 |
| Return on Equity (ROE) | 4.8160% | 4,464 |
| Retained earnings to average equity (ytd only) | 4.8160% | 3,260 |
| Net charge-offs to loans | 1.4922% | 1,157 |
| Credit loss provision to net charge-offs | 33.3333% | 4,762 |
| Earnings coverage of net charge-offs (x) | 0.8345% | 4,302 |
| Efficiency ratio | 67.8761% | 4,741 |
| Assets per employee ($millions) | 5.0797% | 2,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 4,436 |
| Loan loss allowance to noncurrent loans | 61.0399% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 2.4059% | 3,026 |
| Noncurrent loans to loans | 2.2883% | 3,404 |
| Net loans and leases to total assets | 80.4051% | 782 |
| Net loans and leases to deposits | 113.2758% | 220 |
| Net loans and leases to core deposits | 125.5059% | 599 |
| Total domestic deposits to total assets | 70.9817% | 7,343 |
| Equity capital to assets | 8.2830% | 6,325 |
| Core capital (leverage) ratio | 8.2824% | 5,775 |
| Tier 1 risk-based capital ratio | 12.1581% | 5,028 |
| Total risk-based capital ratio | 13.4131% | 4,992 |
| Memoranda: | ||
| Average total assets | $143,820,000 | 4,131 |
| Average earning assets | $127,747,000 | 4,195 |
| Average equity | $11,711,000 | 4,785 |
| Average total loans | $116,605,500 | 3,528 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0670% | 1,609 |
| Cost of funding earning assets | 2.8795% | 329 |
| Net interest margin | 3.1875% | 6,141 |
| Noninterest income to average assets | 0.4729% | 4,632 |
| Noninterest expense to average assets | 2.2725% | 6,818 |
| Loan and lease loss provision to assets | 0.7091% | 2,991 |
| Net operating income to assets | 0.2801% | 4,610 |
| Return on assets (ROA) | 0.2801% | 4,701 |
| Pretax return on assets | 0.3680% | 4,584 |
| Return on Equity (ROE) | 3.4247% | 4,320 |
| Retained earnings to average equity (ytd only) | 3.4247% | 2,769 |
| Net charge-offs to loans | 0.9781% | 2,451 |
| Credit loss provision to net charge-offs | 86.2813% | 6,124 |
| Earnings coverage of net charge-offs (x) | 1.3106% | 4,817 |
| Efficiency ratio | 67.8450% | 5,031 |
| Assets per employee ($millions) | 5.1932% | 1,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6293% | 3,167 |
| Loan loss allowance to noncurrent loans | 55.4749% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 2.6945% | 2,598 |
| Noncurrent loans to loans | 2.9370% | 2,621 |
| Net loans and leases to total assets | 79.3073% | 1,133 |
| Net loans and leases to deposits | 114.9522% | 249 |
| Net loans and leases to core deposits | 173.8685% | 209 |
| Total domestic deposits to total assets | 68.9916% | 7,489 |
| Equity capital to assets | 8.0057% | 6,574 |
| Core capital (leverage) ratio | 8.0044% | 6,183 |
| Tier 1 risk-based capital ratio | 11.7626% | 5,148 |
| Total risk-based capital ratio | 13.0208% | 5,098 |
| Memoranda: | ||
| Average total assets | $141,032,200 | 4,102 |
| Average earning assets | $127,278,000 | 4,148 |
| Average equity | $11,534,000 | 4,866 |
| Average total loans | $118,494,000 | 3,511 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2061% | 1,363 |
| Cost of funding earning assets | 2.9566% | 375 |
| Net interest margin | 3.2495% | 5,837 |
| Noninterest income to average assets | 0.3297% | 5,850 |
| Noninterest expense to average assets | 2.2514% | 6,835 |
| Loan and lease loss provision to assets | 0.3763% | 4,067 |
| Net operating income to assets | 0.4173% | 4,329 |
| Return on assets (ROA) | 0.4173% | 4,426 |
| Pretax return on assets | 0.6298% | 4,086 |
| Return on Equity (ROE) | 5.0750% | 3,930 |
| Retained earnings to average equity (ytd only) | 5.0750% | 2,445 |
| Net charge-offs to loans | 0.9472% | 2,077 |
| Credit loss provision to net charge-offs | 46.8009% | 6,358 |
| Earnings coverage of net charge-offs (x) | 1.2512% | 4,836 |
| Efficiency ratio | 69.1138% | 4,762 |
| Assets per employee ($millions) | 5.0699% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 4,025 |
| Loan loss allowance to noncurrent loans | 70.8661% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 2.2894% | 2,993 |
| Noncurrent loans to loans | 1.9543% | 3,701 |
| Net loans and leases to total assets | 81.2600% | 937 |
| Net loans and leases to deposits | 112.6822% | 368 |
| Net loans and leases to core deposits | 174.0708% | 233 |
| Total domestic deposits to total assets | 72.1143% | 7,195 |
| Equity capital to assets | 8.2412% | 6,580 |
| Core capital (leverage) ratio | 8.2386% | 5,948 |
| Tier 1 risk-based capital ratio | 11.7607% | 5,188 |
| Total risk-based capital ratio | 13.0158% | 5,127 |
| Memoranda: | ||
| Average total assets | $139,938,000 | 4,139 |
| Average earning assets | $126,087,500 | 4,207 |
| Average equity | $11,507,250 | 4,922 |
| Average total loans | $118,810,000 | 3,538 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2730% | 1,276 |
| Cost of funding earning assets | 3.0073% | 467 |
| Net interest margin | 3.2657% | 5,684 |
| Noninterest income to average assets | 0.4007% | 5,276 |
| Noninterest expense to average assets | 2.2648% | 6,867 |
| Loan and lease loss provision to assets | 0.2585% | 4,510 |
| Net operating income to assets | 0.5429% | 3,919 |
| Return on assets (ROA) | 0.5429% | 4,031 |
| Pretax return on assets | 0.8171% | 3,613 |
| Return on Equity (ROE) | 6.6065% | 3,388 |
| Retained earnings to average equity (ytd only) | 6.6065% | 1,746 |
| Net charge-offs to loans | 0.8910% | 1,918 |
| Credit loss provision to net charge-offs | 33.8346% | 5,979 |
| Earnings coverage of net charge-offs (x) | 1.4079% | 4,472 |
| Efficiency ratio | 67.7988% | 5,191 |
| Assets per employee ($millions) | 4.7264% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 3,506 |
| Loan loss allowance to noncurrent loans | 83.9609% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.8654% | 3,381 |
| Noncurrent loans to loans | 1.7192% | 3,927 |
| Net loans and leases to total assets | 82.6801% | 831 |
| Net loans and leases to deposits | 114.7004% | 370 |
| Net loans and leases to core deposits | 178.0385% | 239 |
| Total domestic deposits to total assets | 72.0836% | 7,231 |
| Equity capital to assets | 8.2057% | 6,481 |
| Core capital (leverage) ratio | 8.1967% | 5,988 |
| Tier 1 risk-based capital ratio | 11.5821% | 5,302 |
| Total risk-based capital ratio | 12.8379% | 5,229 |
| Memoranda: | ||
| Average total assets | $139,264,670 | 4,185 |
| Average earning assets | $125,362,000 | 4,237 |
| Average equity | $11,443,330 | 4,964 |
| Average total loans | $119,421,670 | 3,550 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3852% | 1,097 |
| Cost of funding earning assets | 3.0406% | 541 |
| Net interest margin | 3.3446% | 5,343 |
| Noninterest income to average assets | 0.4174% | 5,078 |
| Noninterest expense to average assets | 2.3130% | 6,496 |
| Loan and lease loss provision to assets | 0.3768% | 3,060 |
| Net operating income to assets | 0.4696% | 4,566 |
| Return on assets (ROA) | 0.4696% | 4,754 |
| Pretax return on assets | 0.7246% | 4,339 |
| Return on Equity (ROE) | 5.7105% | 4,166 |
| Retained earnings to average equity (ytd only) | 5.7105% | 2,775 |
| Net charge-offs to loans | 0.4312% | 2,381 |
| Credit loss provision to net charge-offs | 100.7752% | 3,696 |
| Earnings coverage of net charge-offs (x) | 2.9457% | 3,326 |
| Efficiency ratio | 67.7419% | 5,013 |
| Assets per employee ($millions) | 4.4138% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7116% | 2,105 |
| Loan loss allowance to noncurrent loans | 111.6505% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 1.6503% | 3,437 |
| Noncurrent loans to loans | 1.5330% | 3,981 |
| Net loans and leases to total assets | 86.8732% | 345 |
| Net loans and leases to deposits | 118.4951% | 324 |
| Net loans and leases to core deposits | 180.0782% | 236 |
| Total domestic deposits to total assets | 73.3137% | 6,999 |
| Equity capital to assets | 8.3478% | 6,317 |
| Core capital (leverage) ratio | 8.3310% | 5,843 |
| Tier 1 risk-based capital ratio | 11.5302% | 5,381 |
| Total risk-based capital ratio | 12.7907% | 5,264 |
| Memoranda: | ||
| Average total assets | $138,001,500 | 4,232 |
| Average earning assets | $123,661,000 | 4,292 |
| Average equity | $11,347,500 | 5,017 |
| Average total loans | $119,657,500 | 3,565 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5638% | 2,653 |
| Cost of funding earning assets | 3.8313% | 180 |
| Net interest margin | 2.7324% | 7,441 |
| Noninterest income to average assets | 0.3066% | 6,256 |
| Noninterest expense to average assets | 3.0201% | 4,012 |
| Loan and lease loss provision to assets | 0.9462% | 1,563 |
| Net operating income to assets | -0.7574% | 7,105 |
| Return on assets (ROA) | -1.1020% | 7,230 |
| Pretax return on assets | -1.7146% | 7,345 |
| Return on Equity (ROE) | -12.7084% | 7,480 |
| Retained earnings to average equity (ytd only) | -13.6929% | 7,384 |
| Net charge-offs to loans | 0.3765% | 2,961 |
| Credit loss provision to net charge-offs | 300.2257% | 1,501 |
| Earnings coverage of net charge-offs (x) | -0.7291% | 6,550 |
| Efficiency ratio | 108.2356% | 753 |
| Assets per employee ($millions) | 4.4895% | 2,634 |
| Cash dividends to net income (ytd only)* | -7.7469% | 7,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7478% | 1,773 |
| Loan loss allowance to noncurrent loans | 118.0936% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 1.6698% | 2,913 |
| Noncurrent loans to loans | 1.4800% | 3,584 |
| Net loans and leases to total assets | 83.5704% | 955 |
| Net loans and leases to deposits | 119.1420% | 403 |
| Net loans and leases to core deposits | 177.3640% | 314 |
| Total domestic deposits to total assets | 70.1436% | 7,258 |
| Equity capital to assets | 8.0998% | 6,696 |
| Core capital (leverage) ratio | 8.0741% | 6,367 |
| Tier 1 risk-based capital ratio | 11.3950% | 5,336 |
| Total risk-based capital ratio | 12.6558% | 5,232 |
| Memoranda: | ||
| Average total assets | $140,557,000 | 4,075 |
| Average earning assets | $127,762,000 | 4,089 |
| Average equity | $12,188,800 | 4,780 |
| Average total loans | $117,656,800 | 3,513 |