Home > Intercontinental Bank > Performance and Condition Ratios
Intercontinental Bank, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3700% | 5,069 |
| Cost of funding earning assets | 0.7780% | 1,236 |
| Net interest margin | 2.5920% | 5,282 |
| Noninterest income to average assets | 0.4146% | 3,393 |
| Noninterest expense to average assets | 2.1013% | 4,603 |
| Loan and lease loss provision to assets | 0.0193% | 3,514 |
| Net operating income to assets | 0.4605% | 4,839 |
| Return on assets (ROA) | 0.4595% | 4,841 |
| Pretax return on assets | 0.6148% | 4,716 |
| Return on Equity (ROE) | 3.5814% | 4,911 |
| Retained earnings to average equity (ytd only) | 3.5814% | 3,809 |
| Net charge-offs to loans | 0.0026% | 3,109 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 495.0000% | 178 |
| Efficiency ratio | 76.7824% | 1,341 |
| Assets per employee ($millions) | 7.6638% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6875% | 4,965 |
| Loan loss allowance to noncurrent loans | 467.5214% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 4,630 |
| Noncurrent loans to loans | 0.1471% | 4,239 |
| Net loans and leases to total assets | 51.5485% | 4,502 |
| Net loans and leases to deposits | 59.6760% | 4,549 |
| Net loans and leases to core deposits | 102.8160% | 1,504 |
| Total domestic deposits to total assets | 86.3807% | 2,108 |
| Equity capital to assets | 13.0478% | 1,272 |
| Core capital (leverage) ratio | 13.2982% | 1,137 |
| Tier 1 risk-based capital ratio | 24.1201% | 823 |
| Total risk-based capital ratio | 24.7532% | 855 |
| Memoranda: | ||
| Average total assets | $155,811,670 | 3,371 |
| Average earning assets | $139,585,670 | 3,415 |
| Average equity | $19,992,330 | 3,131 |
| Average total loans | $78,303,670 | 3,745 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2889% | 5,154 |
| Cost of funding earning assets | 0.7506% | 1,187 |
| Net interest margin | 2.5383% | 5,364 |
| Noninterest income to average assets | 0.3947% | 3,508 |
| Noninterest expense to average assets | 2.1187% | 4,619 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3998% | 4,927 |
| Return on assets (ROA) | 0.3998% | 4,927 |
| Pretax return on assets | 0.5322% | 4,822 |
| Return on Equity (ROE) | 3.1417% | 4,990 |
| Retained earnings to average equity (ytd only) | 3.1417% | 3,949 |
| Net charge-offs to loans | 0.0103% | 2,379 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 104.5000% | 596 |
| Efficiency ratio | 79.9232% | 1,144 |
| Assets per employee ($millions) | 7.4917% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6646% | 5,090 |
| Loan loss allowance to noncurrent loans | 590.0000% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 4,823 |
| Noncurrent loans to loans | 0.1126% | 4,462 |
| Net loans and leases to total assets | 48.1552% | 4,687 |
| Net loans and leases to deposits | 55.0945% | 4,740 |
| Net loans and leases to core deposits | 95.0196% | 2,054 |
| Total domestic deposits to total assets | 87.4048% | 1,950 |
| Equity capital to assets | 12.0716% | 1,728 |
| Core capital (leverage) ratio | 13.1153% | 1,132 |
| Tier 1 risk-based capital ratio | 22.4738% | 993 |
| Total risk-based capital ratio | 23.0520% | 1,061 |
| Memoranda: | ||
| Average total assets | $157,080,000 | 3,394 |
| Average earning assets | $139,621,500 | 3,454 |
| Average equity | $19,989,000 | 3,158 |
| Average total loans | $77,676,500 | 3,787 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1677% | 5,228 |
| Cost of funding earning assets | 0.6487% | 1,298 |
| Net interest margin | 2.5190% | 5,397 |
| Noninterest income to average assets | 0.5302% | 2,820 |
| Noninterest expense to average assets | 2.0526% | 4,872 |
| Loan and lease loss provision to assets | -0.0605% | 5,414 |
| Net operating income to assets | 0.4114% | 4,655 |
| Return on assets (ROA) | 0.4164% | 4,662 |
| Pretax return on assets | 0.7993% | 4,246 |
| Return on Equity (ROE) | 3.1886% | 4,778 |
| Retained earnings to average equity (ytd only) | 3.1886% | 3,393 |
| Net charge-offs to loans | -0.1829% | 5,511 |
| Credit loss provision to net charge-offs | 69.6970% | 3,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7414% | 1,934 |
| Assets per employee ($millions) | 6.7883% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7064% | 5,058 |
| Loan loss allowance to noncurrent loans | 720.2703% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 4,885 |
| Noncurrent loans to loans | 0.0981% | 4,553 |
| Net loans and leases to total assets | 50.1671% | 4,635 |
| Net loans and leases to deposits | 58.3861% | 4,670 |
| Net loans and leases to core deposits | 100.1685% | 1,699 |
| Total domestic deposits to total assets | 85.9230% | 2,477 |
| Equity capital to assets | 13.4469% | 1,082 |
| Core capital (leverage) ratio | 13.3556% | 1,016 |
| Tier 1 risk-based capital ratio | 23.3848% | 870 |
| Total risk-based capital ratio | 23.9933% | 921 |
| Memoranda: | ||
| Average total assets | $152,005,000 | 3,445 |
| Average earning assets | $135,965,800 | 3,507 |
| Average equity | $19,851,800 | 3,163 |
| Average total loans | $72,164,600 | 3,913 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1295% | 5,304 |
| Cost of funding earning assets | 0.6331% | 1,344 |
| Net interest margin | 2.4963% | 5,473 |
| Noninterest income to average assets | 0.5712% | 2,623 |
| Noninterest expense to average assets | 2.0174% | 4,917 |
| Loan and lease loss provision to assets | -0.0803% | 5,562 |
| Net operating income to assets | 0.5362% | 4,631 |
| Return on assets (ROA) | 0.5362% | 4,663 |
| Pretax return on assets | 0.8585% | 4,187 |
| Return on Equity (ROE) | 4.1358% | 4,816 |
| Retained earnings to average equity (ytd only) | 4.1358% | 3,446 |
| Net charge-offs to loans | -0.2785% | 5,596 |
| Credit loss provision to net charge-offs | 61.7450% | 2,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1649% | 2,184 |
| Assets per employee ($millions) | 7.2172% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7310% | 5,072 |
| Loan loss allowance to noncurrent loans | 275.0000% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 4,589 |
| Noncurrent loans to loans | 0.2658% | 4,007 |
| Net loans and leases to total assets | 49.2811% | 4,753 |
| Net loans and leases to deposits | 57.3783% | 4,798 |
| Net loans and leases to core deposits | 95.6339% | 2,116 |
| Total domestic deposits to total assets | 85.8882% | 2,352 |
| Equity capital to assets | 13.3187% | 1,243 |
| Core capital (leverage) ratio | 13.1730% | 1,140 |
| Tier 1 risk-based capital ratio | 22.2678% | 1,016 |
| Total risk-based capital ratio | 22.8663% | 1,081 |
| Memoranda: | ||
| Average total assets | $152,670,500 | 3,465 |
| Average earning assets | $136,036,750 | 3,534 |
| Average equity | $19,794,250 | 3,188 |
| Average total loans | $71,342,250 | 3,961 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0717% | 5,371 |
| Cost of funding earning assets | 0.6229% | 1,317 |
| Net interest margin | 2.4488% | 5,535 |
| Noninterest income to average assets | 0.5907% | 2,507 |
| Noninterest expense to average assets | 2.0073% | 4,962 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4705% | 4,790 |
| Return on assets (ROA) | 0.4705% | 4,817 |
| Pretax return on assets | 0.7514% | 4,428 |
| Return on Equity (ROE) | 3.6616% | 4,931 |
| Retained earnings to average equity (ytd only) | 3.6616% | 3,524 |
| Net charge-offs to loans | 0.0457% | 2,297 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 35.9375% | 1,343 |
| Efficiency ratio | 72.7617% | 2,221 |
| Assets per employee ($millions) | 7.3458% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6495% | 5,300 |
| Loan loss allowance to noncurrent loans | 287.8788% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 4,769 |
| Noncurrent loans to loans | 0.2256% | 4,220 |
| Net loans and leases to total assets | 47.1039% | 4,877 |
| Net loans and leases to deposits | 54.4929% | 4,934 |
| Net loans and leases to core deposits | 89.2030% | 2,597 |
| Total domestic deposits to total assets | 86.4405% | 2,178 |
| Equity capital to assets | 12.9164% | 1,413 |
| Core capital (leverage) ratio | 13.0215% | 1,169 |
| Tier 1 risk-based capital ratio | 21.8154% | 1,072 |
| Total risk-based capital ratio | 22.3303% | 1,145 |
| Memoranda: | ||
| Average total assets | $153,040,330 | 3,479 |
| Average earning assets | $135,493,000 | 3,566 |
| Average equity | $19,663,670 | 3,191 |
| Average total loans | $70,042,670 | 4,015 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0678% | 5,397 |
| Cost of funding earning assets | 0.6231% | 1,226 |
| Net interest margin | 2.4447% | 5,587 |
| Noninterest income to average assets | 0.5826% | 2,496 |
| Noninterest expense to average assets | 2.0206% | 5,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4514% | 4,771 |
| Return on assets (ROA) | 0.4514% | 4,791 |
| Pretax return on assets | 0.7138% | 4,410 |
| Return on Equity (ROE) | 3.5222% | 4,954 |
| Retained earnings to average equity (ytd only) | 3.5222% | 3,682 |
| Net charge-offs to loans | 0.0584% | 1,747 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 27.2000% | 1,280 |
| Efficiency ratio | 73.8964% | 2,250 |
| Assets per employee ($millions) | 7.3760% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6930% | 5,326 |
| Loan loss allowance to noncurrent loans | 204.2918% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 4,653 |
| Noncurrent loans to loans | 0.3392% | 3,881 |
| Net loans and leases to total assets | 44.0370% | 5,036 |
| Net loans and leases to deposits | 50.7821% | 5,081 |
| Net loans and leases to core deposits | 84.0422% | 2,895 |
| Total domestic deposits to total assets | 86.7176% | 2,349 |
| Equity capital to assets | 12.6833% | 1,416 |
| Core capital (leverage) ratio | 13.1033% | 1,099 |
| Tier 1 risk-based capital ratio | 22.2872% | 1,054 |
| Total risk-based capital ratio | 22.8248% | 1,119 |
| Memoranda: | ||
| Average total assets | $152,430,000 | 3,522 |
| Average earning assets | $134,167,500 | 3,623 |
| Average equity | $19,533,000 | 3,222 |
| Average total loans | $68,495,000 | 4,083 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7962% | 5,644 |
| Cost of funding earning assets | 0.4888% | 2,173 |
| Net interest margin | 2.3074% | 5,708 |
| Noninterest income to average assets | 0.7007% | 2,165 |
| Noninterest expense to average assets | 2.1049% | 4,991 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4182% | 4,881 |
| Return on assets (ROA) | 0.4410% | 4,906 |
| Pretax return on assets | 0.7034% | 4,473 |
| Return on Equity (ROE) | 3.3817% | 5,049 |
| Retained earnings to average equity (ytd only) | 3.3817% | 3,518 |
| Net charge-offs to loans | 0.0217% | 3,613 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 76.5385% | 736 |
| Efficiency ratio | 75.9138% | 1,994 |
| Assets per employee ($millions) | 7.1411% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7218% | 5,319 |
| Loan loss allowance to noncurrent loans | 246.5000% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 4,779 |
| Noncurrent loans to loans | 0.2928% | 4,099 |
| Net loans and leases to total assets | 45.2172% | 5,057 |
| Net loans and leases to deposits | 52.2488% | 5,107 |
| Net loans and leases to core deposits | 89.3270% | 2,569 |
| Total domestic deposits to total assets | 86.5420% | 2,357 |
| Equity capital to assets | 12.9499% | 1,278 |
| Core capital (leverage) ratio | 13.6186% | 927 |
| Tier 1 risk-based capital ratio | 22.2827% | 1,042 |
| Total risk-based capital ratio | 22.8418% | 1,112 |
| Memoranda: | ||
| Average total assets | $148,986,000 | 3,538 |
| Average earning assets | $133,787,000 | 3,592 |
| Average equity | $19,428,200 | 3,223 |
| Average total loans | $59,779,000 | 4,305 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7432% | 5,743 |
| Cost of funding earning assets | 0.4755% | 2,315 |
| Net interest margin | 2.2677% | 5,794 |
| Noninterest income to average assets | 0.7144% | 2,111 |
| Noninterest expense to average assets | 2.0393% | 5,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4507% | 4,872 |
| Return on assets (ROA) | 0.4616% | 4,907 |
| Pretax return on assets | 0.7314% | 4,524 |
| Return on Equity (ROE) | 3.5339% | 5,072 |
| Retained earnings to average equity (ytd only) | 3.5339% | 3,782 |
| Net charge-offs to loans | 0.0301% | 3,054 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 61.3179% | 940 |
| Efficiency ratio | 74.0560% | 2,276 |
| Assets per employee ($millions) | 6.8220% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8106% | 5,161 |
| Loan loss allowance to noncurrent loans | 16,366.6667% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 5,539 |
| Noncurrent loans to loans | 0.0050% | 5,402 |
| Net loans and leases to total assets | 41.9383% | 5,295 |
| Net loans and leases to deposits | 49.0045% | 5,345 |
| Net loans and leases to core deposits | 74.3479% | 3,971 |
| Total domestic deposits to total assets | 85.5804% | 2,564 |
| Equity capital to assets | 13.7733% | 1,130 |
| Core capital (leverage) ratio | 13.2543% | 1,086 |
| Tier 1 risk-based capital ratio | 23.4392% | 955 |
| Total risk-based capital ratio | 24.0315% | 1,018 |
| Memoranda: | ||
| Average total assets | $148,741,750 | 3,560 |
| Average earning assets | $133,758,750 | 3,612 |
| Average equity | $19,430,250 | 3,243 |
| Average total loans | $57,648,250 | 4,390 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6874% | 5,848 |
| Cost of funding earning assets | 0.4676% | 2,397 |
| Net interest margin | 2.2197% | 5,894 |
| Noninterest income to average assets | 0.7173% | 2,060 |
| Noninterest expense to average assets | 1.9925% | 5,286 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4634% | 4,826 |
| Return on assets (ROA) | 0.4795% | 4,866 |
| Pretax return on assets | 0.7678% | 4,401 |
| Return on Equity (ROE) | 3.7352% | 5,009 |
| Retained earnings to average equity (ytd only) | 3.7352% | 3,519 |
| Net charge-offs to loans | 0.0212% | 3,071 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 93.1667% | 614 |
| Efficiency ratio | 72.8509% | 2,541 |
| Assets per employee ($millions) | 7.0580% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8480% | 5,135 |
| Loan loss allowance to noncurrent loans | 3,125.0000% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 5,572 |
| Noncurrent loans to loans | 0.0271% | 5,361 |
| Net loans and leases to total assets | 39.4423% | 5,447 |
| Net loans and leases to deposits | 46.6092% | 5,477 |
| Net loans and leases to core deposits | 71.5653% | 4,219 |
| Total domestic deposits to total assets | 84.6234% | 3,035 |
| Equity capital to assets | 13.2372% | 1,363 |
| Core capital (leverage) ratio | 13.0235% | 1,140 |
| Tier 1 risk-based capital ratio | 23.2518% | 986 |
| Total risk-based capital ratio | 23.8524% | 1,047 |
| Memoranda: | ||
| Average total assets | $150,568,000 | 3,554 |
| Average earning assets | $136,862,330 | 3,583 |
| Average equity | $19,329,670 | 3,263 |
| Average total loans | $56,673,330 | 4,449 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5885% | 5,938 |
| Cost of funding earning assets | 0.4514% | 2,566 |
| Net interest margin | 2.1371% | 5,980 |
| Noninterest income to average assets | 0.6880% | 2,098 |
| Noninterest expense to average assets | 1.9428% | 5,450 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4477% | 4,842 |
| Return on assets (ROA) | 0.4798% | 4,806 |
| Pretax return on assets | 0.7671% | 4,316 |
| Return on Equity (ROE) | 3.7947% | 4,962 |
| Retained earnings to average equity (ytd only) | 3.7947% | 3,598 |
| Net charge-offs to loans | 0.0216% | 2,498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 90.6667% | 577 |
| Efficiency ratio | 73.0426% | 2,633 |
| Assets per employee ($millions) | 7.0250% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8648% | 5,171 |
| Loan loss allowance to noncurrent loans | 651.9481% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 5,413 |
| Noncurrent loans to loans | 0.1326% | 4,945 |
| Net loans and leases to total assets | 39.0097% | 5,508 |
| Net loans and leases to deposits | 45.2305% | 5,547 |
| Net loans and leases to core deposits | 71.0517% | 4,150 |
| Total domestic deposits to total assets | 86.2464% | 2,573 |
| Equity capital to assets | 13.1469% | 1,341 |
| Core capital (leverage) ratio | 12.5054% | 1,336 |
| Tier 1 risk-based capital ratio | 23.0144% | 1,012 |
| Total risk-based capital ratio | 23.6179% | 1,086 |
| Memoranda: | ||
| Average total assets | $151,742,500 | 3,560 |
| Average earning assets | $140,004,500 | 3,560 |
| Average equity | $19,184,500 | 3,284 |
| Average total loans | $55,529,500 | 4,510 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4018% | 6,028 |
| Cost of funding earning assets | 0.4747% | 2,400 |
| Net interest margin | 1.9271% | 6,059 |
| Noninterest income to average assets | 0.7226% | 2,097 |
| Noninterest expense to average assets | 1.9826% | 5,491 |
| Loan and lease loss provision to assets | -0.1241% | 5,889 |
| Net operating income to assets | 0.3412% | 5,240 |
| Return on assets (ROA) | 0.3491% | 5,312 |
| Pretax return on assets | 0.5748% | 4,924 |
| Return on Equity (ROE) | 2.9752% | 5,312 |
| Retained earnings to average equity (ytd only) | 2.9752% | 3,948 |
| Net charge-offs to loans | -0.3448% | 6,032 |
| Credit loss provision to net charge-offs | 137.2414% | 1,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8954% | 1,426 |
| Assets per employee ($millions) | 7.4267% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9621% | 4,802 |
| Loan loss allowance to noncurrent loans | 331.1688% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 5,218 |
| Noncurrent loans to loans | 0.2905% | 4,419 |
| Net loans and leases to total assets | 33.6612% | 5,787 |
| Net loans and leases to deposits | 38.7293% | 5,815 |
| Net loans and leases to core deposits | 58.0904% | 5,095 |
| Total domestic deposits to total assets | 86.9140% | 2,185 |
| Equity capital to assets | 12.1659% | 1,837 |
| Core capital (leverage) ratio | 11.7129% | 1,811 |
| Tier 1 risk-based capital ratio | 22.6599% | 1,058 |
| Total risk-based capital ratio | 23.2620% | 1,124 |
| Memoranda: | ||
| Average total assets | $160,393,000 | 3,426 |
| Average earning assets | $141,352,200 | 3,523 |
| Average equity | $18,822,200 | 3,275 |
| Average total loans | $42,051,200 | 4,930 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4152% | 6,117 |
| Cost of funding earning assets | 0.4884% | 2,328 |
| Net interest margin | 1.9269% | 6,150 |
| Noninterest income to average assets | 0.7224% | 2,137 |
| Noninterest expense to average assets | 1.9624% | 5,547 |
| Loan and lease loss provision to assets | -0.2254% | 6,118 |
| Net operating income to assets | 0.3898% | 5,197 |
| Return on assets (ROA) | 0.4004% | 5,256 |
| Pretax return on assets | 0.6695% | 4,780 |
| Return on Equity (ROE) | 3.4425% | 5,235 |
| Retained earnings to average equity (ytd only) | 3.4425% | 4,020 |
| Net charge-offs to loans | -0.5020% | 6,152 |
| Credit loss provision to net charge-offs | 184.4595% | 1,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1071% | 1,380 |
| Assets per employee ($millions) | 7.8501% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 4,766 |
| Loan loss allowance to noncurrent loans | 645.5882% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 5,616 |
| Noncurrent loans to loans | 0.1544% | 5,021 |
| Net loans and leases to total assets | 26.4423% | 6,056 |
| Net loans and leases to deposits | 30.2344% | 6,074 |
| Net loans and leases to core deposits | 43.6836% | 5,799 |
| Total domestic deposits to total assets | 87.4579% | 1,817 |
| Equity capital to assets | 11.6194% | 2,405 |
| Core capital (leverage) ratio | 11.4055% | 2,116 |
| Tier 1 risk-based capital ratio | 23.3434% | 1,018 |
| Total risk-based capital ratio | 23.8794% | 1,083 |
| Memoranda: | ||
| Average total assets | $161,501,250 | 3,443 |
| Average earning assets | $139,775,250 | 3,576 |
| Average equity | $18,784,250 | 3,311 |
| Average total loans | $39,312,000 | 5,098 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3959% | 6,197 |
| Cost of funding earning assets | 0.4951% | 2,294 |
| Net interest margin | 1.9009% | 6,227 |
| Noninterest income to average assets | 0.7295% | 2,097 |
| Noninterest expense to average assets | 1.9765% | 5,572 |
| Loan and lease loss provision to assets | -0.3404% | 6,244 |
| Net operating income to assets | 0.4402% | 5,005 |
| Return on assets (ROA) | 0.4402% | 5,101 |
| Pretax return on assets | 0.7357% | 4,541 |
| Return on Equity (ROE) | 3.7834% | 5,105 |
| Retained earnings to average equity (ytd only) | 3.7834% | 3,600 |
| Net charge-offs to loans | -0.7896% | 6,251 |
| Credit loss provision to net charge-offs | 183.2215% | 1,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3333% | 1,337 |
| Assets per employee ($millions) | 7.8600% | 560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 4,196 |
| Loan loss allowance to noncurrent loans | 773.6842% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 5,729 |
| Noncurrent loans to loans | 0.1455% | 5,164 |
| Net loans and leases to total assets | 23.4631% | 6,167 |
| Net loans and leases to deposits | 26.8062% | 6,183 |
| Net loans and leases to core deposits | 38.4290% | 6,008 |
| Total domestic deposits to total assets | 87.5287% | 1,891 |
| Equity capital to assets | 11.4801% | 2,435 |
| Core capital (leverage) ratio | 11.4271% | 2,051 |
| Tier 1 risk-based capital ratio | 24.3313% | 925 |
| Total risk-based capital ratio | 24.8952% | 976 |
| Memoranda: | ||
| Average total assets | $160,384,000 | 3,482 |
| Average earning assets | $138,567,330 | 3,623 |
| Average equity | $18,660,670 | 3,342 |
| Average total loans | $37,739,330 | 5,193 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4319% | 6,248 |
| Cost of funding earning assets | 0.5032% | 2,255 |
| Net interest margin | 1.9288% | 6,292 |
| Noninterest income to average assets | 0.7466% | 1,933 |
| Noninterest expense to average assets | 1.9412% | 5,687 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2911% | 5,450 |
| Return on assets (ROA) | 0.2911% | 5,544 |
| Pretax return on assets | 0.4935% | 5,193 |
| Return on Equity (ROE) | 2.4843% | 5,540 |
| Retained earnings to average equity (ytd only) | 2.4843% | 4,443 |
| Net charge-offs to loans | 1.7502% | 102 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.2037% | 2,954 |
| Efficiency ratio | 79.7297% | 1,928 |
| Assets per employee ($millions) | 7.6542% | 633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 4,446 |
| Loan loss allowance to noncurrent loans | 117.4927% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2134% | 5,094 |
| Noncurrent loans to loans | 0.9467% | 2,882 |
| Net loans and leases to total assets | 22.2897% | 6,245 |
| Net loans and leases to deposits | 25.4146% | 6,259 |
| Net loans and leases to core deposits | 37.6186% | 6,055 |
| Total domestic deposits to total assets | 87.7042% | 1,984 |
| Equity capital to assets | 11.6413% | 2,345 |
| Core capital (leverage) ratio | 11.8548% | 1,735 |
| Tier 1 risk-based capital ratio | 27.0358% | 709 |
| Total risk-based capital ratio | 27.6170% | 741 |
| Memoranda: | ||
| Average total assets | $158,046,500 | 3,537 |
| Average earning assets | $138,327,000 | 3,647 |
| Average equity | $18,516,500 | 3,382 |
| Average total loans | $37,024,500 | 5,248 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4226% | 6,346 |
| Cost of funding earning assets | 0.5011% | 2,668 |
| Net interest margin | 1.9215% | 6,387 |
| Noninterest income to average assets | 0.8978% | 1,508 |
| Noninterest expense to average assets | 2.0388% | 5,697 |
| Loan and lease loss provision to assets | 0.6798% | 187 |
| Net operating income to assets | -0.1217% | 6,168 |
| Return on assets (ROA) | -0.0983% | 6,162 |
| Pretax return on assets | -0.1259% | 6,154 |
| Return on Equity (ROE) | -0.8815% | 6,163 |
| Retained earnings to average equity (ytd only) | -0.8815% | 5,905 |
| Net charge-offs to loans | 2.2128% | 78 |
| Credit loss provision to net charge-offs | 138.7218% | 1,709 |
| Earnings coverage of net charge-offs (x) | 1.0689% | 4,500 |
| Efficiency ratio | 79.5591% | 1,999 |
| Assets per employee ($millions) | 7.3979% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4940% | 2,513 |
| Loan loss allowance to noncurrent loans | 223.3202% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 5,371 |
| Noncurrent loans to loans | 0.6690% | 3,676 |
| Net loans and leases to total assets | 23.9793% | 6,314 |
| Net loans and leases to deposits | 27.3352% | 6,328 |
| Net loans and leases to core deposits | 41.3766% | 6,063 |
| Total domestic deposits to total assets | 87.7230% | 1,912 |
| Equity capital to assets | 11.7930% | 2,176 |
| Core capital (leverage) ratio | 11.3160% | 2,117 |
| Tier 1 risk-based capital ratio | 25.6385% | 789 |
| Total risk-based capital ratio | 26.4159% | 809 |
| Memoranda: | ||
| Average total assets | $162,839,800 | 3,449 |
| Average earning assets | $141,090,800 | 3,587 |
| Average equity | $18,151,800 | 3,382 |
| Average total loans | $36,062,200 | 5,327 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4332% | 6,426 |
| Cost of funding earning assets | 0.4798% | 2,956 |
| Net interest margin | 1.9533% | 6,461 |
| Noninterest income to average assets | 0.9139% | 1,477 |
| Noninterest expense to average assets | 1.9646% | 5,832 |
| Loan and lease loss provision to assets | 0.9811% | 116 |
| Net operating income to assets | -0.2244% | 6,275 |
| Return on assets (ROA) | -0.2016% | 6,272 |
| Pretax return on assets | -0.3189% | 6,302 |
| Return on Equity (ROE) | -1.8332% | 6,273 |
| Retained earnings to average equity (ytd only) | -1.8332% | 6,052 |
| Net charge-offs to loans | 3.3722% | 25 |
| Credit loss provision to net charge-offs | 134.5172% | 1,734 |
| Earnings coverage of net charge-offs (x) | 0.8590% | 4,297 |
| Efficiency ratio | 75.8201% | 2,525 |
| Assets per employee ($millions) | 8.1801% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5474% | 2,509 |
| Loan loss allowance to noncurrent loans | 248.6842% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 5,626 |
| Noncurrent loans to loans | 0.6222% | 4,058 |
| Net loans and leases to total assets | 22.0505% | 6,419 |
| Net loans and leases to deposits | 25.0154% | 6,437 |
| Net loans and leases to core deposits | 38.1799% | 6,230 |
| Total domestic deposits to total assets | 88.1475% | 1,688 |
| Equity capital to assets | 11.0836% | 2,874 |
| Core capital (leverage) ratio | 11.7176% | 1,901 |
| Tier 1 risk-based capital ratio | 25.0351% | 880 |
| Total risk-based capital ratio | 25.8006% | 916 |
| Memoranda: | ||
| Average total assets | $164,711,000 | 3,443 |
| Average earning assets | $141,429,750 | 3,604 |
| Average equity | $18,109,500 | 3,404 |
| Average total loans | $35,623,250 | 5,394 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4839% | 6,480 |
| Cost of funding earning assets | 0.4724% | 3,092 |
| Net interest margin | 2.0115% | 6,517 |
| Noninterest income to average assets | 0.9123% | 1,456 |
| Noninterest expense to average assets | 1.8658% | 6,054 |
| Loan and lease loss provision to assets | 1.4684% | 58 |
| Net operating income to assets | -0.4228% | 6,422 |
| Return on assets (ROA) | -0.4034% | 6,417 |
| Pretax return on assets | -0.6736% | 6,465 |
| Return on Equity (ROE) | -3.6792% | 6,404 |
| Retained earnings to average equity (ytd only) | -3.6792% | 6,150 |
| Net charge-offs to loans | 5.1128% | 10 |
| Credit loss provision to net charge-offs | 134.3681% | 1,574 |
| Earnings coverage of net charge-offs (x) | 0.6996% | 3,994 |
| Efficiency ratio | 70.9351% | 3,510 |
| Assets per employee ($millions) | 7.7698% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6173% | 2,398 |
| Loan loss allowance to noncurrent loans | 265.7277% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.4389% | 4,692 |
| Noncurrent loans to loans | 0.6086% | 4,201 |
| Net loans and leases to total assets | 22.1569% | 6,483 |
| Net loans and leases to deposits | 25.3195% | 6,501 |
| Net loans and leases to core deposits | 35.0457% | 6,351 |
| Total domestic deposits to total assets | 87.5093% | 2,194 |
| Equity capital to assets | 11.7230% | 2,226 |
| Core capital (leverage) ratio | 11.4188% | 2,072 |
| Tier 1 risk-based capital ratio | 27.8774% | 652 |
| Total risk-based capital ratio | 28.7321% | 660 |
| Memoranda: | ||
| Average total assets | $165,080,670 | 3,457 |
| Average earning assets | $140,987,000 | 3,632 |
| Average equity | $18,101,670 | 3,410 |
| Average total loans | $35,283,670 | 5,448 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4112% | 6,572 |
| Cost of funding earning assets | 0.4557% | 3,368 |
| Net interest margin | 1.9555% | 6,602 |
| Noninterest income to average assets | 0.9063% | 1,368 |
| Noninterest expense to average assets | 1.7537% | 6,278 |
| Loan and lease loss provision to assets | 0.4873% | 313 |
| Net operating income to assets | 0.2142% | 5,759 |
| Return on assets (ROA) | 0.2142% | 5,815 |
| Pretax return on assets | 0.3319% | 5,647 |
| Return on Equity (ROE) | 2.0173% | 5,779 |
| Retained earnings to average equity (ytd only) | 2.0173% | 4,798 |
| Net charge-offs to loans | 2.2469% | 109 |
| Credit loss provision to net charge-offs | 104.0201% | 1,603 |
| Earnings coverage of net charge-offs (x) | 1.7487% | 3,024 |
| Efficiency ratio | 68.1610% | 4,157 |
| Assets per employee ($millions) | 8.7904% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7732% | 6,153 |
| Loan loss allowance to noncurrent loans | 60.1367% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 0.5437% | 4,516 |
| Noncurrent loans to loans | 1.2858% | 2,883 |
| Net loans and leases to total assets | 20.2848% | 6,570 |
| Net loans and leases to deposits | 22.9707% | 6,591 |
| Net loans and leases to core deposits | 31.6047% | 6,466 |
| Total domestic deposits to total assets | 88.3072% | 2,052 |
| Equity capital to assets | 10.9013% | 2,821 |
| Core capital (leverage) ratio | 11.3186% | 2,116 |
| Tier 1 risk-based capital ratio | 28.4179% | 615 |
| Total risk-based capital ratio | 28.8152% | 661 |
| Memoranda: | ||
| Average total assets | $169,923,000 | 3,410 |
| Average earning assets | $144,824,500 | 3,609 |
| Average equity | $18,044,000 | 3,423 |
| Average total loans | $35,427,000 | 5,488 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3441% | 6,662 |
| Cost of funding earning assets | 0.4314% | 4,304 |
| Net interest margin | 1.9127% | 6,664 |
| Noninterest income to average assets | 1.0641% | 1,246 |
| Noninterest expense to average assets | 1.8865% | 6,207 |
| Loan and lease loss provision to assets | 0.1843% | 2,000 |
| Net operating income to assets | 0.4676% | 4,880 |
| Return on assets (ROA) | 0.4919% | 4,903 |
| Pretax return on assets | 0.7221% | 4,455 |
| Return on Equity (ROE) | 4.5473% | 4,865 |
| Retained earnings to average equity (ytd only) | 4.5473% | 2,926 |
| Net charge-offs to loans | 0.9655% | 616 |
| Credit loss provision to net charge-offs | 95.9119% | 2,604 |
| Earnings coverage of net charge-offs (x) | 4.5314% | 3,540 |
| Efficiency ratio | 68.4199% | 4,124 |
| Assets per employee ($millions) | 8.6415% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6973% | 6,349 |
| Loan loss allowance to noncurrent loans | 53.7815% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5468% | 4,588 |
| Noncurrent loans to loans | 1.2966% | 2,965 |
| Net loans and leases to total assets | 21.0931% | 6,654 |
| Net loans and leases to deposits | 23.7288% | 6,670 |
| Net loans and leases to core deposits | 32.5543% | 6,552 |
| Total domestic deposits to total assets | 88.8925% | 1,699 |
| Equity capital to assets | 10.3461% | 3,345 |
| Core capital (leverage) ratio | 10.9801% | 2,406 |
| Tier 1 risk-based capital ratio | 26.6992% | 714 |
| Total risk-based capital ratio | 27.0629% | 767 |
| Memoranda: | ||
| Average total assets | $165,490,000 | 3,480 |
| Average earning assets | $146,494,600 | 3,566 |
| Average equity | $17,900,600 | 3,432 |
| Average total loans | $32,937,400 | 5,625 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2576% | 6,764 |
| Cost of funding earning assets | 0.4259% | 4,543 |
| Net interest margin | 1.8317% | 6,762 |
| Noninterest income to average assets | 1.0127% | 1,418 |
| Noninterest expense to average assets | 1.9528% | 6,092 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4477% | 5,032 |
| Return on assets (ROA) | 0.4652% | 5,097 |
| Pretax return on assets | 0.7194% | 4,614 |
| Return on Equity (ROE) | 4.2518% | 5,101 |
| Retained earnings to average equity (ytd only) | 4.2518% | 3,657 |
| Net charge-offs to loans | 0.0584% | 4,072 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 60.7022% | 750 |
| Efficiency ratio | 73.8220% | 3,099 |
| Assets per employee ($millions) | 8.1530% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7466% | 6,378 |
| Loan loss allowance to noncurrent loans | 42.2886% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 0.8414% | 4,013 |
| Noncurrent loans to loans | 1.7654% | 2,552 |
| Net loans and leases to total assets | 20.7911% | 6,738 |
| Net loans and leases to deposits | 23.6009% | 6,755 |
| Net loans and leases to core deposits | 30.6997% | 6,674 |
| Total domestic deposits to total assets | 88.0946% | 2,068 |
| Equity capital to assets | 10.9592% | 2,796 |
| Core capital (leverage) ratio | 11.4920% | 2,051 |
| Tier 1 risk-based capital ratio | 27.5241% | 663 |
| Total risk-based capital ratio | 27.9025% | 718 |
| Memoranda: | ||
| Average total assets | $163,655,250 | 3,536 |
| Average earning assets | $145,872,750 | 3,610 |
| Average equity | $17,905,500 | 3,476 |
| Average total loans | $31,994,000 | 5,721 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2103% | 6,814 |
| Cost of funding earning assets | 0.4207% | 4,748 |
| Net interest margin | 1.7896% | 6,816 |
| Noninterest income to average assets | 0.9679% | 1,608 |
| Noninterest expense to average assets | 1.7723% | 6,421 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5161% | 4,729 |
| Return on assets (ROA) | 0.5383% | 4,790 |
| Pretax return on assets | 0.8239% | 4,227 |
| Return on Equity (ROE) | 4.9226% | 4,767 |
| Retained earnings to average equity (ytd only) | 4.9226% | 3,102 |
| Net charge-offs to loans | -0.1279% | 6,566 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1758% | 3,982 |
| Assets per employee ($millions) | 8.1748% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8797% | 6,192 |
| Loan loss allowance to noncurrent loans | 30.0416% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 0.9511% | 3,883 |
| Noncurrent loans to loans | 2.9282% | 1,528 |
| Net loans and leases to total assets | 19.9173% | 6,793 |
| Net loans and leases to deposits | 22.5107% | 6,816 |
| Net loans and leases to core deposits | 29.3907% | 6,729 |
| Total domestic deposits to total assets | 88.4792% | 1,928 |
| Equity capital to assets | 10.7116% | 3,040 |
| Core capital (leverage) ratio | 12.0082% | 1,609 |
| Tier 1 risk-based capital ratio | 26.8044% | 708 |
| Total risk-based capital ratio | 27.2250% | 760 |
| Memoranda: | ||
| Average total assets | $163,853,670 | 3,562 |
| Average earning assets | $145,952,000 | 3,631 |
| Average equity | $17,917,330 | 3,501 |
| Average total loans | $31,273,000 | 5,791 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2181% | 6,889 |
| Cost of funding earning assets | 0.4221% | 4,891 |
| Net interest margin | 1.7960% | 6,891 |
| Noninterest income to average assets | 0.9388% | 1,640 |
| Noninterest expense to average assets | 1.7777% | 6,464 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5097% | 4,608 |
| Return on assets (ROA) | 0.5097% | 4,757 |
| Pretax return on assets | 0.7901% | 4,203 |
| Return on Equity (ROE) | 4.6138% | 4,783 |
| Retained earnings to average equity (ytd only) | 4.6138% | 3,469 |
| Net charge-offs to loans | -0.3281% | 6,793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2308% | 4,105 |
| Assets per employee ($millions) | 7.9722% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8859% | 6,295 |
| Loan loss allowance to noncurrent loans | 41.5254% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 0.8160% | 4,334 |
| Noncurrent loans to loans | 2.1334% | 2,458 |
| Net loans and leases to total assets | 20.6299% | 6,841 |
| Net loans and leases to deposits | 23.5273% | 6,869 |
| Net loans and leases to core deposits | 28.8287% | 6,784 |
| Total domestic deposits to total assets | 87.6853% | 2,527 |
| Equity capital to assets | 11.4248% | 2,488 |
| Core capital (leverage) ratio | 10.8519% | 2,401 |
| Tier 1 risk-based capital ratio | 26.3736% | 756 |
| Total risk-based capital ratio | 26.7999% | 821 |
| Memoranda: | ||
| Average total assets | $164,032,500 | 3,591 |
| Average earning assets | $148,777,500 | 3,614 |
| Average equity | $18,119,500 | 3,509 |
| Average total loans | $30,483,000 | 5,871 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5691% | 6,913 |
| Cost of funding earning assets | 0.5905% | 4,435 |
| Net interest margin | 1.9786% | 6,940 |
| Noninterest income to average assets | 1.0717% | 1,358 |
| Noninterest expense to average assets | 1.9792% | 6,368 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5188% | 4,609 |
| Return on assets (ROA) | 0.5358% | 4,800 |
| Pretax return on assets | 0.8772% | 4,002 |
| Return on Equity (ROE) | 4.9100% | 4,718 |
| Retained earnings to average equity (ytd only) | 4.9100% | 2,759 |
| Net charge-offs to loans | 0.0041% | 5,921 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1,373.0000% | 20 |
| Efficiency ratio | 69.9431% | 3,832 |
| Assets per employee ($millions) | 8.0296% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 6,067 |
| Loan loss allowance to noncurrent loans | 44.0262% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 0.7146% | 4,697 |
| Noncurrent loans to loans | 2.1995% | 2,467 |
| Net loans and leases to total assets | 16.3146% | 6,971 |
| Net loans and leases to deposits | 18.4362% | 6,987 |
| Net loans and leases to core deposits | 22.8113% | 6,952 |
| Total domestic deposits to total assets | 88.4920% | 1,904 |
| Equity capital to assets | 10.6884% | 3,297 |
| Core capital (leverage) ratio | 10.6666% | 2,580 |
| Tier 1 risk-based capital ratio | 28.7416% | 576 |
| Total risk-based capital ratio | 29.1716% | 618 |
| Memoranda: | ||
| Average total assets | $161,427,600 | 3,599 |
| Average earning assets | $143,432,800 | 3,673 |
| Average equity | $17,617,200 | 3,519 |
| Average total loans | $24,320,800 | 6,230 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6645% | 7,008 |
| Cost of funding earning assets | 0.6344% | 4,321 |
| Net interest margin | 2.0301% | 7,028 |
| Noninterest income to average assets | 0.9881% | 1,537 |
| Noninterest expense to average assets | 1.9829% | 6,377 |
| Loan and lease loss provision to assets | 0.0033% | 5,759 |
| Net operating income to assets | 0.5467% | 4,634 |
| Return on assets (ROA) | 0.5655% | 4,814 |
| Pretax return on assets | 0.8311% | 4,377 |
| Return on Equity (ROE) | 5.1533% | 4,746 |
| Retained earnings to average equity (ytd only) | 5.1533% | 3,254 |
| Net charge-offs to loans | 0.0057% | 5,672 |
| Credit loss provision to net charge-offs | 400.0000% | 672 |
| Earnings coverage of net charge-offs (x) | 968.3985% | 40 |
| Efficiency ratio | 71.0778% | 3,494 |
| Assets per employee ($millions) | 7.6333% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 5,427 |
| Loan loss allowance to noncurrent loans | 44.6809% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 0.7253% | 4,869 |
| Noncurrent loans to loans | 2.6196% | 2,173 |
| Net loans and leases to total assets | 13.7263% | 7,091 |
| Net loans and leases to deposits | 15.5132% | 7,101 |
| Net loans and leases to core deposits | 19.4967% | 7,082 |
| Total domestic deposits to total assets | 88.4817% | 1,734 |
| Equity capital to assets | 10.6953% | 3,612 |
| Core capital (leverage) ratio | 11.1329% | 2,270 |
| Tier 1 risk-based capital ratio | 34.0687% | 385 |
| Total risk-based capital ratio | 34.5914% | 396 |
| Memoranda: | ||
| Average total assets | $159,629,000 | 3,666 |
| Average earning assets | $141,661,250 | 3,741 |
| Average equity | $17,515,750 | 3,567 |
| Average total loans | $23,456,250 | 6,355 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7803% | 7,049 |
| Cost of funding earning assets | 0.6855% | 4,140 |
| Net interest margin | 2.0949% | 7,076 |
| Noninterest income to average assets | 0.9716% | 1,542 |
| Noninterest expense to average assets | 1.9750% | 6,485 |
| Loan and lease loss provision to assets | 0.0255% | 5,346 |
| Net operating income to assets | 0.5959% | 4,386 |
| Return on assets (ROA) | 0.6120% | 4,569 |
| Pretax return on assets | 0.8683% | 4,206 |
| Return on Equity (ROE) | 5.5276% | 4,570 |
| Retained earnings to average equity (ytd only) | 5.5276% | 2,977 |
| Net charge-offs to loans | 0.0170% | 5,174 |
| Credit loss provision to net charge-offs | 1,000.0000% | 319 |
| Earnings coverage of net charge-offs (x) | 341.5000% | 122 |
| Efficiency ratio | 69.3996% | 3,866 |
| Assets per employee ($millions) | 6.8796% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 4,663 |
| Loan loss allowance to noncurrent loans | 139.8058% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.5372% | 5,420 |
| Noncurrent loans to loans | 0.9665% | 4,579 |
| Net loans and leases to total assets | 13.8929% | 7,155 |
| Net loans and leases to deposits | 15.9004% | 7,165 |
| Net loans and leases to core deposits | 20.4818% | 7,137 |
| Total domestic deposits to total assets | 87.3744% | 2,550 |
| Equity capital to assets | 11.6616% | 2,442 |
| Core capital (leverage) ratio | 11.1728% | 2,145 |
| Tier 1 risk-based capital ratio | 35.7007% | 323 |
| Total risk-based capital ratio | 36.2851% | 338 |
| Memoranda: | ||
| Average total assets | $156,861,000 | 3,721 |
| Average earning assets | $140,342,330 | 3,780 |
| Average equity | $17,367,330 | 3,590 |
| Average total loans | $23,500,330 | 6,391 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8159% | 7,105 |
| Cost of funding earning assets | 0.7551% | 3,824 |
| Net interest margin | 2.0608% | 7,144 |
| Noninterest income to average assets | 0.9523% | 1,560 |
| Noninterest expense to average assets | 1.9046% | 6,637 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5413% | 4,645 |
| Return on assets (ROA) | 0.5413% | 4,855 |
| Pretax return on assets | 0.8395% | 4,269 |
| Return on Equity (ROE) | 5.0157% | 4,776 |
| Retained earnings to average equity (ytd only) | 5.0157% | 3,547 |
| Net charge-offs to loans | 0.0325% | 4,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 167.5000% | 216 |
| Efficiency ratio | 69.4064% | 3,914 |
| Assets per employee ($millions) | 7.0965% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 5,204 |
| Loan loss allowance to noncurrent loans | 262.7451% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4541% | 5,721 |
| Noncurrent loans to loans | 0.4795% | 5,712 |
| Net loans and leases to total assets | 13.4540% | 7,215 |
| Net loans and leases to deposits | 15.2902% | 7,227 |
| Net loans and leases to core deposits | 19.7824% | 7,198 |
| Total domestic deposits to total assets | 87.9916% | 2,325 |
| Equity capital to assets | 11.1053% | 2,794 |
| Core capital (leverage) ratio | 10.5388% | 2,707 |
| Tier 1 risk-based capital ratio | 35.8888% | 318 |
| Total risk-based capital ratio | 36.4438% | 329 |
| Memoranda: | ||
| Average total assets | $159,616,000 | 3,694 |
| Average earning assets | $138,782,500 | 3,841 |
| Average equity | $17,226,000 | 3,610 |
| Average total loans | $24,593,000 | 6,395 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9720% | 7,179 |
| Cost of funding earning assets | 0.8290% | 4,635 |
| Net interest margin | 2.1430% | 7,193 |
| Noninterest income to average assets | 0.8512% | 1,840 |
| Noninterest expense to average assets | 2.0241% | 6,636 |
| Loan and lease loss provision to assets | 0.0466% | 5,991 |
| Net operating income to assets | 0.5325% | 4,298 |
| Return on assets (ROA) | 0.5468% | 4,436 |
| Pretax return on assets | 0.8392% | 3,826 |
| Return on Equity (ROE) | 4.9159% | 4,433 |
| Retained earnings to average equity (ytd only) | 4.9159% | 2,703 |
| Net charge-offs to loans | 0.0753% | 5,566 |
| Credit loss provision to net charge-offs | 411.7647% | 560 |
| Earnings coverage of net charge-offs (x) | 76.2941% | 396 |
| Efficiency ratio | 70.0876% | 3,943 |
| Assets per employee ($millions) | 7.7670% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 6,343 |
| Loan loss allowance to noncurrent loans | 586.9565% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.4003% | 5,971 |
| Noncurrent loans to loans | 0.1648% | 6,422 |
| Net loans and leases to total assets | 16.9477% | 7,241 |
| Net loans and leases to deposits | 19.9697% | 7,253 |
| Net loans and leases to core deposits | 26.0356% | 7,197 |
| Total domestic deposits to total assets | 84.8671% | 3,916 |
| Equity capital to assets | 10.4924% | 3,548 |
| Core capital (leverage) ratio | 10.3635% | 2,892 |
| Tier 1 risk-based capital ratio | 36.4182% | 301 |
| Total risk-based capital ratio | 36.9906% | 308 |
| Memoranda: | ||
| Average total assets | $150,140,400 | 3,797 |
| Average earning assets | $142,699,200 | 3,696 |
| Average equity | $16,701,000 | 3,623 |
| Average total loans | $22,584,200 | 6,527 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9860% | 7,264 |
| Cost of funding earning assets | 0.8473% | 4,794 |
| Net interest margin | 2.1388% | 7,276 |
| Noninterest income to average assets | 0.7942% | 2,081 |
| Noninterest expense to average assets | 2.0540% | 6,586 |
| Loan and lease loss provision to assets | 0.0091% | 6,321 |
| Net operating income to assets | 0.5312% | 4,401 |
| Return on assets (ROA) | 0.5509% | 4,497 |
| Pretax return on assets | 0.8368% | 3,993 |
| Return on Equity (ROE) | 4.8760% | 4,580 |
| Retained earnings to average equity (ytd only) | 4.8760% | 3,257 |
| Net charge-offs to loans | 0.1129% | 4,882 |
| Credit loss provision to net charge-offs | 55.5556% | 4,904 |
| Earnings coverage of net charge-offs (x) | 49.9433% | 645 |
| Efficiency ratio | 71.5686% | 3,644 |
| Assets per employee ($millions) | 7.9048% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8073% | 6,809 |
| Loan loss allowance to noncurrent loans | 1,393.3333% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.3747% | 6,139 |
| Noncurrent loans to loans | 0.0579% | 6,788 |
| Net loans and leases to total assets | 15.4705% | 7,336 |
| Net loans and leases to deposits | 17.9070% | 7,345 |
| Net loans and leases to core deposits | 23.2546% | 7,302 |
| Total domestic deposits to total assets | 86.3934% | 2,987 |
| Equity capital to assets | 10.1807% | 4,116 |
| Core capital (leverage) ratio | 10.9454% | 2,437 |
| Tier 1 risk-based capital ratio | 33.2808% | 409 |
| Total risk-based capital ratio | 33.6904% | 433 |
| Memoranda: | ||
| Average total assets | $146,898,500 | 3,869 |
| Average earning assets | $142,570,750 | 3,725 |
| Average equity | $16,597,750 | 3,646 |
| Average total loans | $21,252,000 | 6,664 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1627% | 7,296 |
| Cost of funding earning assets | 0.8931% | 4,729 |
| Net interest margin | 2.2695% | 7,288 |
| Noninterest income to average assets | 0.7571% | 2,228 |
| Noninterest expense to average assets | 2.1390% | 6,522 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5713% | 4,206 |
| Return on assets (ROA) | 0.5992% | 4,207 |
| Pretax return on assets | 0.8567% | 3,805 |
| Return on Equity (ROE) | 5.1040% | 4,401 |
| Retained earnings to average equity (ytd only) | 5.1040% | 2,937 |
| Net charge-offs to loans | 0.1725% | 4,135 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 33.7647% | 850 |
| Efficiency ratio | 72.3640% | 3,659 |
| Assets per employee ($millions) | 6.3920% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0276% | 6,225 |
| Loan loss allowance to noncurrent loans | 104.7120% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.5675% | 5,785 |
| Noncurrent loans to loans | 0.9813% | 5,021 |
| Net loans and leases to total assets | 13.6982% | 7,423 |
| Net loans and leases to deposits | 15.7777% | 7,433 |
| Net loans and leases to core deposits | 19.9198% | 7,406 |
| Total domestic deposits to total assets | 86.8202% | 2,843 |
| Equity capital to assets | 11.8856% | 2,180 |
| Core capital (leverage) ratio | 11.8421% | 1,696 |
| Tier 1 risk-based capital ratio | 37.6942% | 286 |
| Total risk-based capital ratio | 38.1453% | 295 |
| Memoranda: | ||
| Average total assets | $140,531,330 | 4,017 |
| Average earning assets | $136,151,330 | 3,855 |
| Average equity | $16,497,000 | 3,652 |
| Average total loans | $19,706,000 | 6,809 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1598% | 7,355 |
| Cost of funding earning assets | 0.8864% | 5,023 |
| Net interest margin | 2.2734% | 7,324 |
| Noninterest income to average assets | 0.7545% | 2,241 |
| Noninterest expense to average assets | 2.0871% | 6,671 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5410% | 4,312 |
| Return on assets (ROA) | 0.5410% | 4,390 |
| Pretax return on assets | 0.8656% | 3,639 |
| Return on Equity (ROE) | 4.6374% | 4,583 |
| Retained earnings to average equity (ytd only) | 4.6374% | 3,404 |
| Net charge-offs to loans | -0.1412% | 7,183 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6847% | 4,119 |
| Assets per employee ($millions) | 7.2745% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 6,179 |
| Loan loss allowance to noncurrent loans | 476.5957% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 5,946 |
| Noncurrent loans to loans | 0.2231% | 6,534 |
| Net loans and leases to total assets | 15.0787% | 7,475 |
| Net loans and leases to deposits | 17.5142% | 7,482 |
| Net loans and leases to core deposits | 21.6245% | 7,456 |
| Total domestic deposits to total assets | 86.0941% | 3,468 |
| Equity capital to assets | 11.9263% | 1,961 |
| Core capital (leverage) ratio | 11.5795% | 1,803 |
| Tier 1 risk-based capital ratio | 34.0171% | 376 |
| Total risk-based capital ratio | 34.4793% | 391 |
| Memoranda: | ||
| Average total assets | $140,485,000 | 4,058 |
| Average earning assets | $135,830,500 | 3,902 |
| Average equity | $16,388,500 | 3,658 |
| Average total loans | $19,827,500 | 6,850 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0724% | 7,485 |
| Cost of funding earning assets | 1.0071% | 5,657 |
| Net interest margin | 2.0653% | 7,441 |
| Noninterest income to average assets | 1.1042% | 1,217 |
| Noninterest expense to average assets | 2.1577% | 6,713 |
| Loan and lease loss provision to assets | 0.1026% | 6,115 |
| Net operating income to assets | 0.5359% | 3,946 |
| Return on assets (ROA) | 0.6506% | 3,582 |
| Pretax return on assets | 1.0152% | 2,879 |
| Return on Equity (ROE) | 6.0030% | 3,608 |
| Retained earnings to average equity (ytd only) | 6.0030% | 1,814 |
| Net charge-offs to loans | 0.6824% | 2,963 |
| Credit loss provision to net charge-offs | 130.4348% | 3,040 |
| Earnings coverage of net charge-offs (x) | 11.9304% | 1,553 |
| Efficiency ratio | 69.6863% | 4,242 |
| Assets per employee ($millions) | 7.5134% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 5,651 |
| Loan loss allowance to noncurrent loans | 55.3571% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 0.7853% | 5,441 |
| Noncurrent loans to loans | 2.1087% | 3,425 |
| Net loans and leases to total assets | 12.8703% | 7,575 |
| Net loans and leases to deposits | 15.2218% | 7,583 |
| Net loans and leases to core deposits | 19.2533% | 7,554 |
| Total domestic deposits to total assets | 84.5519% | 4,084 |
| Equity capital to assets | 11.4133% | 2,335 |
| Core capital (leverage) ratio | 11.3576% | 1,922 |
| Tier 1 risk-based capital ratio | 34.3553% | 358 |
| Total risk-based capital ratio | 34.8129% | 375 |
| Memoranda: | ||
| Average total assets | $146,175,000 | 3,943 |
| Average earning assets | $140,995,800 | 3,795 |
| Average equity | $15,842,200 | 3,801 |
| Average total loans | $16,851,200 | 7,077 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1100% | 7,612 |
| Cost of funding earning assets | 1.0248% | 5,827 |
| Net interest margin | 2.0853% | 7,554 |
| Noninterest income to average assets | 1.1127% | 1,135 |
| Noninterest expense to average assets | 2.0594% | 6,935 |
| Loan and lease loss provision to assets | 0.1043% | 5,992 |
| Net operating income to assets | 0.6013% | 3,877 |
| Return on assets (ROA) | 0.6964% | 3,590 |
| Pretax return on assets | 1.1072% | 2,802 |
| Return on Equity (ROE) | 6.5099% | 3,569 |
| Retained earnings to average equity (ytd only) | 6.5099% | 2,086 |
| Net charge-offs to loans | 0.9096% | 2,180 |
| Credit loss provision to net charge-offs | 102.6786% | 4,191 |
| Earnings coverage of net charge-offs (x) | 10.4643% | 1,879 |
| Efficiency ratio | 65.9599% | 4,867 |
| Assets per employee ($millions) | 7.2123% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 6,314 |
| Loan loss allowance to noncurrent loans | 135.0365% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.6350% | 5,859 |
| Noncurrent loans to loans | 0.7543% | 5,695 |
| Net loans and leases to total assets | 12.4627% | 7,680 |
| Net loans and leases to deposits | 14.6173% | 7,690 |
| Net loans and leases to core deposits | 18.5076% | 7,663 |
| Total domestic deposits to total assets | 85.2599% | 3,487 |
| Equity capital to assets | 11.1684% | 2,802 |
| Core capital (leverage) ratio | 11.1255% | 2,175 |
| Tier 1 risk-based capital ratio | 33.0333% | 408 |
| Total risk-based capital ratio | 33.4126% | 422 |
| Memoranda: | ||
| Average total assets | $147,030,000 | 3,981 |
| Average earning assets | $141,689,000 | 3,841 |
| Average equity | $15,729,500 | 3,854 |
| Average total loans | $16,416,500 | 7,193 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2387% | 7,669 |
| Cost of funding earning assets | 1.0431% | 5,953 |
| Net interest margin | 2.1956% | 7,586 |
| Noninterest income to average assets | 1.1017% | 1,093 |
| Noninterest expense to average assets | 2.0357% | 7,040 |
| Loan and lease loss provision to assets | 0.1284% | 5,594 |
| Net operating income to assets | 0.6618% | 3,574 |
| Return on assets (ROA) | 0.7016% | 3,556 |
| Pretax return on assets | 1.1138% | 2,736 |
| Return on Equity (ROE) | 6.6527% | 3,466 |
| Retained earnings to average equity (ytd only) | 6.6527% | 1,991 |
| Net charge-offs to loans | 1.0736% | 1,752 |
| Credit loss provision to net charge-offs | 111.7647% | 3,629 |
| Earnings coverage of net charge-offs (x) | 10.2706% | 1,913 |
| Efficiency ratio | 63.3039% | 5,465 |
| Assets per employee ($millions) | 7.4235% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 6,016 |
| Loan loss allowance to noncurrent loans | 175.2294% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 5,997 |
| Noncurrent loans to loans | 0.6187% | 6,011 |
| Net loans and leases to total assets | 11.7385% | 7,751 |
| Net loans and leases to deposits | 13.8192% | 7,760 |
| Net loans and leases to core deposits | 17.6055% | 7,737 |
| Total domestic deposits to total assets | 84.9430% | 3,661 |
| Equity capital to assets | 10.6830% | 3,185 |
| Core capital (leverage) ratio | 10.6327% | 2,513 |
| Tier 1 risk-based capital ratio | 30.8262% | 464 |
| Total risk-based capital ratio | 31.1974% | 499 |
| Memoranda: | ||
| Average total assets | $147,958,000 | 3,999 |
| Average earning assets | $142,464,670 | 3,854 |
| Average equity | $15,602,670 | 3,870 |
| Average total loans | $15,834,670 | 7,270 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3061% | 7,753 |
| Cost of funding earning assets | 1.0560% | 6,108 |
| Net interest margin | 2.2501% | 7,623 |
| Noninterest income to average assets | 1.0914% | 1,058 |
| Noninterest expense to average assets | 2.0474% | 7,065 |
| Loan and lease loss provision to assets | 0.1489% | 5,059 |
| Net operating income to assets | 0.6659% | 3,584 |
| Return on assets (ROA) | 0.7231% | 3,453 |
| Pretax return on assets | 1.1483% | 2,558 |
| Return on Equity (ROE) | 6.9021% | 3,395 |
| Retained earnings to average equity (ytd only) | 6.9021% | 2,177 |
| Net charge-offs to loans | 0.0535% | 4,869 |
| Credit loss provision to net charge-offs | 2,750.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 223.0000% | 152 |
| Efficiency ratio | 62.8952% | 5,680 |
| Assets per employee ($millions) | 7.4050% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5737% | 3,560 |
| Loan loss allowance to noncurrent loans | 139.8810% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.6394% | 5,921 |
| Noncurrent loans to loans | 1.1250% | 5,114 |
| Net loans and leases to total assets | 9.9244% | 7,859 |
| Net loans and leases to deposits | 11.6144% | 7,866 |
| Net loans and leases to core deposits | 14.6135% | 7,846 |
| Total domestic deposits to total assets | 85.4490% | 3,440 |
| Equity capital to assets | 10.5381% | 3,209 |
| Core capital (leverage) ratio | 10.6571% | 2,490 |
| Tier 1 risk-based capital ratio | 30.4610% | 501 |
| Total risk-based capital ratio | 30.9197% | 522 |
| Memoranda: | ||
| Average total assets | $147,702,500 | 4,047 |
| Average earning assets | $142,041,000 | 3,918 |
| Average equity | $15,473,500 | 3,930 |
| Average total loans | $14,942,500 | 7,405 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6141% | 7,811 |
| Cost of funding earning assets | 1.3781% | 6,023 |
| Net interest margin | 2.2360% | 7,629 |
| Noninterest income to average assets | 1.1714% | 1,119 |
| Noninterest expense to average assets | 2.1756% | 7,043 |
| Loan and lease loss provision to assets | 0.1153% | 6,491 |
| Net operating income to assets | 0.6255% | 3,233 |
| Return on assets (ROA) | 0.6772% | 3,079 |
| Pretax return on assets | 1.0791% | 2,309 |
| Return on Equity (ROE) | 6.2975% | 3,080 |
| Retained earnings to average equity (ytd only) | 6.2975% | 1,229 |
| Net charge-offs to loans | 0.5297% | 3,665 |
| Credit loss provision to net charge-offs | 168.4211% | 2,551 |
| Earnings coverage of net charge-offs (x) | 16.2737% | 1,258 |
| Efficiency ratio | 66.1410% | 5,372 |
| Assets per employee ($millions) | 7.3653% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 5,256 |
| Loan loss allowance to noncurrent loans | 242.6667% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.5797% | 6,009 |
| Noncurrent loans to loans | 0.5016% | 6,249 |
| Net loans and leases to total assets | 10.0268% | 7,933 |
| Net loans and leases to deposits | 12.2066% | 7,939 |
| Net loans and leases to core deposits | 19.8917% | 7,922 |
| Total domestic deposits to total assets | 82.1425% | 4,885 |
| Equity capital to assets | 10.4138% | 3,268 |
| Core capital (leverage) ratio | 10.3102% | 2,779 |
| Tier 1 risk-based capital ratio | 29.6970% | 541 |
| Total risk-based capital ratio | 30.0494% | 576 |
| Memoranda: | ||
| Average total assets | $138,813,800 | 4,148 |
| Average earning assets | $131,484,800 | 4,056 |
| Average equity | $14,926,600 | 4,073 |
| Average total loans | $17,934,400 | 7,317 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7172% | 7,887 |
| Cost of funding earning assets | 1.4368% | 6,097 |
| Net interest margin | 2.2803% | 7,666 |
| Noninterest income to average assets | 1.1978% | 1,078 |
| Noninterest expense to average assets | 2.0981% | 7,201 |
| Loan and lease loss provision to assets | 0.0585% | 6,778 |
| Net operating income to assets | 0.7437% | 3,047 |
| Return on assets (ROA) | 0.7774% | 2,967 |
| Pretax return on assets | 1.2456% | 2,123 |
| Return on Equity (ROE) | 7.1687% | 2,994 |
| Retained earnings to average equity (ytd only) | 7.1687% | 1,439 |
| Net charge-offs to loans | 0.1856% | 4,905 |
| Credit loss provision to net charge-offs | 230.7692% | 1,893 |
| Earnings coverage of net charge-offs (x) | 49.3401% | 648 |
| Efficiency ratio | 62.6383% | 5,993 |
| Assets per employee ($millions) | 7.3851% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 6,655 |
| Loan loss allowance to noncurrent loans | 15.3455% | 7,317 |
| Noncurrent assets plus other real estate owned to assets | 0.6662% | 5,810 |
| Noncurrent loans to loans | 6.0279% | 976 |
| Net loans and leases to total assets | 10.9498% | 8,012 |
| Net loans and leases to deposits | 13.5833% | 8,020 |
| Net loans and leases to core deposits | 22.8229% | 7,981 |
| Total domestic deposits to total assets | 80.6122% | 5,214 |
| Equity capital to assets | 10.2890% | 3,748 |
| Core capital (leverage) ratio | 10.4423% | 2,837 |
| Tier 1 risk-based capital ratio | 28.3135% | 666 |
| Total risk-based capital ratio | 28.5949% | 706 |
| Memoranda: | ||
| Average total assets | $136,691,000 | 4,217 |
| Average earning assets | $128,984,000 | 4,126 |
| Average equity | $14,823,250 | 4,128 |
| Average total loans | $18,680,000 | 7,341 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9271% | 7,929 |
| Cost of funding earning assets | 1.4841% | 6,201 |
| Net interest margin | 2.4430% | 7,533 |
| Noninterest income to average assets | 1.2299% | 1,023 |
| Noninterest expense to average assets | 2.1365% | 7,200 |
| Loan and lease loss provision to assets | 0.0752% | 6,439 |
| Net operating income to assets | 0.8358% | 2,719 |
| Return on assets (ROA) | 0.8811% | 2,641 |
| Pretax return on assets | 1.4103% | 1,695 |
| Return on Equity (ROE) | 7.9735% | 2,779 |
| Retained earnings to average equity (ytd only) | 7.9735% | 1,216 |
| Net charge-offs to loans | 0.1952% | 4,320 |
| Credit loss provision to net charge-offs | 263.1579% | 1,772 |
| Earnings coverage of net charge-offs (x) | 49.5263% | 687 |
| Efficiency ratio | 60.1609% | 6,524 |
| Assets per employee ($millions) | 7.0929% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9074% | 6,734 |
| Loan loss allowance to noncurrent loans | 15.1951% | 7,361 |
| Noncurrent assets plus other real estate owned to assets | 0.6866% | 5,696 |
| Noncurrent loans to loans | 5.9718% | 916 |
| Net loans and leases to total assets | 11.3931% | 8,098 |
| Net loans and leases to deposits | 14.3578% | 8,111 |
| Net loans and leases to core deposits | 24.5429% | 8,064 |
| Total domestic deposits to total assets | 79.3512% | 5,706 |
| Equity capital to assets | 10.5641% | 3,323 |
| Core capital (leverage) ratio | 10.9629% | 2,434 |
| Tier 1 risk-based capital ratio | 27.8002% | 731 |
| Total risk-based capital ratio | 28.0748% | 769 |
| Memoranda: | ||
| Average total assets | $133,021,000 | 4,327 |
| Average earning assets | $126,404,000 | 4,218 |
| Average equity | $14,698,670 | 4,158 |
| Average total loans | $19,465,330 | 7,362 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2655% | 7,869 |
| Cost of funding earning assets | 1.5580% | 6,203 |
| Net interest margin | 2.7075% | 7,187 |
| Noninterest income to average assets | 1.2130% | 976 |
| Noninterest expense to average assets | 2.2395% | 6,724 |
| Loan and lease loss provision to assets | 0.1244% | 5,367 |
| Net operating income to assets | 0.8766% | 2,811 |
| Return on assets (ROA) | 0.9642% | 2,589 |
| Pretax return on assets | 1.5427% | 1,550 |
| Return on Equity (ROE) | 8.5194% | 2,919 |
| Retained earnings to average equity (ytd only) | 8.5194% | 1,626 |
| Net charge-offs to loans | 0.0190% | 5,300 |
| Credit loss provision to net charge-offs | 4,000.0000% | 178 |
| Earnings coverage of net charge-offs (x) | 492.0000% | 60 |
| Efficiency ratio | 59.4059% | 6,496 |
| Assets per employee ($millions) | 6.7127% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7670% | 7,259 |
| Loan loss allowance to noncurrent loans | 17.2757% | 7,300 |
| Noncurrent assets plus other real estate owned to assets | 0.6726% | 5,482 |
| Noncurrent loans to loans | 4.4397% | 1,302 |
| Net loans and leases to total assets | 15.0334% | 8,125 |
| Net loans and leases to deposits | 17.9591% | 8,141 |
| Net loans and leases to core deposits | 30.2037% | 8,088 |
| Total domestic deposits to total assets | 83.7092% | 3,839 |
| Equity capital to assets | 10.9568% | 3,004 |
| Core capital (leverage) ratio | 11.0527% | 2,463 |
| Tier 1 risk-based capital ratio | 27.2796% | 800 |
| Total risk-based capital ratio | 27.5689% | 849 |
| Memoranda: | ||
| Average total assets | $128,602,500 | 4,441 |
| Average earning assets | $121,439,500 | 4,350 |
| Average equity | $14,555,000 | 4,214 |
| Average total loans | $21,043,000 | 7,309 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8372% | 7,933 |
| Cost of funding earning assets | 2.2918% | 5,194 |
| Net interest margin | 2.5454% | 7,700 |
| Noninterest income to average assets | 1.4801% | 644 |
| Noninterest expense to average assets | 2.3791% | 6,471 |
| Loan and lease loss provision to assets | 0.4261% | 3,151 |
| Net operating income to assets | 0.7403% | 3,715 |
| Return on assets (ROA) | 0.7642% | 3,439 |
| Pretax return on assets | 1.1072% | 3,006 |
| Return on Equity (ROE) | 6.7937% | 3,624 |
| Retained earnings to average equity (ytd only) | 6.7937% | 1,226 |
| Net charge-offs to loans | 3.1965% | 267 |
| Credit loss provision to net charge-offs | 75.4286% | 5,984 |
| Earnings coverage of net charge-offs (x) | 2.6529% | 4,754 |
| Efficiency ratio | 61.3528% | 6,096 |
| Assets per employee ($millions) | 6.1476% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5380% | 7,782 |
| Loan loss allowance to noncurrent loans | 14.2857% | 7,418 |
| Noncurrent assets plus other real estate owned to assets | 0.6661% | 5,225 |
| Noncurrent loans to loans | 3.7660% | 1,324 |
| Net loans and leases to total assets | 17.5924% | 8,174 |
| Net loans and leases to deposits | 21.2919% | 8,188 |
| Net loans and leases to core deposits | 44.0037% | 7,997 |
| Total domestic deposits to total assets | 82.6248% | 3,936 |
| Equity capital to assets | 11.7120% | 2,494 |
| Core capital (leverage) ratio | 11.4560% | 2,282 |
| Tier 1 risk-based capital ratio | 27.9054% | 764 |
| Total risk-based capital ratio | 28.1321% | 815 |
| Memoranda: | ||
| Average total assets | $123,914,600 | 4,423 |
| Average earning assets | $116,721,000 | 4,348 |
| Average equity | $13,939,400 | 4,352 |
| Average total loans | $21,898,800 | 7,198 |