Home > Markesan State Bank > Performance and Condition Ratios
Markesan State Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4752% | 5,240 |
| Cost of funding earning assets | 0.2367% | 4,960 |
| Net interest margin | 1.2385% | 5,235 |
| Noninterest income to average assets | 0.0459% | 5,119 |
| Noninterest expense to average assets | 1.0599% | 5,196 |
| Loan and lease loss provision to assets | 0.5126% | 237 |
| Net operating income to assets | -0.3727% | 5,125 |
| Return on assets (ROA) | -0.3727% | 5,132 |
| Pretax return on assets | -0.3727% | 5,126 |
| Return on Equity (ROE) | -4.8089% | 5,157 |
| Retained earnings to average equity (ytd only) | -4.8089% | 5,057 |
| Net charge-offs to loans | -0.0180% | 4,558 |
| Credit loss provision to net charge-offs | -4,163.6364% | 4,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3396% | 381 |
| Assets per employee ($millions) | 3.6828% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6482% | 4,737 |
| Loan loss allowance to noncurrent loans | 2.6780% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 17.2595% | 5 |
| Noncurrent loans to loans | 24.2039% | 3 |
| Net loans and leases to total assets | 65.0655% | 3,170 |
| Net loans and leases to deposits | 70.1084% | 3,763 |
| Net loans and leases to core deposits | 72.1554% | 3,940 |
| Total domestic deposits to total assets | 92.8071% | 12 |
| Equity capital to assets | 5.1645% | 5,246 |
| Core capital (leverage) ratio | 4.3022% | 5,249 |
| Tier 1 risk-based capital ratio | 6.2732% | 5,248 |
| Total risk-based capital ratio | 6.8711% | 5,248 |
| Memoranda: | ||
| Average total assets | $119,127,500 | 3,757 |
| Average earning assets | $110,989,250 | 3,732 |
| Average equity | $9,232,750 | 4,386 |
| Average total loans | $81,675,750 | 3,607 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9452% | 1,627 |
| Cost of funding earning assets | 0.7178% | 3,065 |
| Net interest margin | 4.2275% | 1,293 |
| Noninterest income to average assets | 0.0590% | 5,139 |
| Noninterest expense to average assets | 3.3162% | 1,255 |
| Loan and lease loss provision to assets | 1.2934% | 68 |
| Net operating income to assets | -0.6114% | 5,197 |
| Return on assets (ROA) | -0.5114% | 5,198 |
| Pretax return on assets | -0.5114% | 5,193 |
| Return on Equity (ROE) | -5.9952% | 5,213 |
| Retained earnings to average equity (ytd only) | -5.9952% | 5,089 |
| Net charge-offs to loans | 4.6165% | 19 |
| Credit loss provision to net charge-offs | 40.3168% | 2,530 |
| Earnings coverage of net charge-offs (x) | 0.2126% | 3,098 |
| Efficiency ratio | 82.9438% | 736 |
| Assets per employee ($millions) | 3.7909% | 4,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8531% | 150 |
| Loan loss allowance to noncurrent loans | 12.0285% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 17.7183% | 3 |
| Noncurrent loans to loans | 23.7195% | 3 |
| Net loans and leases to total assets | 66.5248% | 3,036 |
| Net loans and leases to deposits | 74.6044% | 3,465 |
| Net loans and leases to core deposits | 75.9939% | 3,731 |
| Total domestic deposits to total assets | 89.1701% | 599 |
| Equity capital to assets | 8.7630% | 4,918 |
| Core capital (leverage) ratio | 7.8837% | 5,191 |
| Tier 1 risk-based capital ratio | 10.4619% | 5,118 |
| Total risk-based capital ratio | 11.7301% | 5,028 |
| Memoranda: | ||
| Average total assets | $122,008,670 | 3,727 |
| Average earning assets | $113,685,000 | 3,714 |
| Average equity | $10,408,330 | 4,251 |
| Average total loans | $84,782,330 | 3,573 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0883% | 1,120 |
| Cost of funding earning assets | 0.7289% | 2,893 |
| Net interest margin | 4.3595% | 990 |
| Noninterest income to average assets | 0.3831% | 3,305 |
| Noninterest expense to average assets | 3.5540% | 900 |
| Loan and lease loss provision to assets | 0.7243% | 141 |
| Net operating income to assets | 0.1674% | 5,036 |
| Return on assets (ROA) | 0.1674% | 5,042 |
| Pretax return on assets | 0.1674% | 5,058 |
| Return on Equity (ROE) | 1.9879% | 4,967 |
| Retained earnings to average equity (ytd only) | 1.9879% | 4,068 |
| Net charge-offs to loans | 6.1516% | 9 |
| Credit loss provision to net charge-offs | 16.8287% | 2,155 |
| Earnings coverage of net charge-offs (x) | 0.2072% | 2,674 |
| Efficiency ratio | 79.9421% | 1,072 |
| Assets per employee ($millions) | 3.6892% | 4,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7432% | 177 |
| Loan loss allowance to noncurrent loans | 9.8324% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 21.1371% | 2 |
| Noncurrent loans to loans | 27.8995% | 2 |
| Net loans and leases to total assets | 68.4951% | 2,694 |
| Net loans and leases to deposits | 76.8751% | 3,178 |
| Net loans and leases to core deposits | 78.4828% | 3,485 |
| Total domestic deposits to total assets | 89.0992% | 817 |
| Equity capital to assets | 8.6987% | 4,880 |
| Core capital (leverage) ratio | 7.8045% | 5,246 |
| Tier 1 risk-based capital ratio | 9.6921% | 5,318 |
| Total risk-based capital ratio | 10.9574% | 5,295 |
| Memoranda: | ||
| Average total assets | $124,254,500 | 3,732 |
| Average earning assets | $115,794,000 | 3,717 |
| Average equity | $10,463,500 | 4,265 |
| Average total loans | $86,936,500 | 3,562 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9311% | 4,208 |
| Cost of funding earning assets | 0.7494% | 1,795 |
| Net interest margin | 3.1817% | 4,516 |
| Noninterest income to average assets | 0.5007% | 2,834 |
| Noninterest expense to average assets | 3.8366% | 656 |
| Loan and lease loss provision to assets | 1.2609% | 57 |
| Net operating income to assets | -1.6716% | 5,367 |
| Return on assets (ROA) | -1.6849% | 5,365 |
| Pretax return on assets | -1.6923% | 5,359 |
| Return on Equity (ROE) | -20.4573% | 5,379 |
| Retained earnings to average equity (ytd only) | -20.4573% | 5,374 |
| Net charge-offs to loans | 2.0772% | 49 |
| Credit loss provision to net charge-offs | 83.1308% | 2,822 |
| Earnings coverage of net charge-offs (x) | -0.2756% | 3,724 |
| Efficiency ratio | 112.2304% | 74 |
| Assets per employee ($millions) | 3.5213% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9293% | 60 |
| Loan loss allowance to noncurrent loans | 14.0146% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 20.9678% | 2 |
| Noncurrent loans to loans | 28.0372% | 2 |
| Net loans and leases to total assets | 66.7924% | 3,030 |
| Net loans and leases to deposits | 74.3371% | 3,477 |
| Net loans and leases to core deposits | 75.8155% | 3,732 |
| Total domestic deposits to total assets | 89.8506% | 525 |
| Equity capital to assets | 8.1544% | 5,105 |
| Core capital (leverage) ratio | 7.3236% | 5,335 |
| Tier 1 risk-based capital ratio | 9.0569% | 5,381 |
| Total risk-based capital ratio | 10.3310% | 5,376 |
| Memoranda: | ||
| Average total assets | $135,615,200 | 3,570 |
| Average earning assets | $124,367,200 | 3,584 |
| Average equity | $11,169,600 | 4,139 |
| Average total loans | $99,028,000 | 3,318 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9250% | 4,150 |
| Cost of funding earning assets | 0.7581% | 1,545 |
| Net interest margin | 3.1669% | 4,580 |
| Noninterest income to average assets | 0.5311% | 2,667 |
| Noninterest expense to average assets | 3.8927% | 600 |
| Loan and lease loss provision to assets | 1.2576% | 61 |
| Net operating income to assets | -1.7161% | 5,440 |
| Return on assets (ROA) | -1.7132% | 5,437 |
| Pretax return on assets | -1.7229% | 5,434 |
| Return on Equity (ROE) | -20.7534% | 5,454 |
| Retained earnings to average equity (ytd only) | -20.7534% | 5,442 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.6723% | 74 |
| Assets per employee ($millions) | 3.3541% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2901% | 32 |
| Loan loss allowance to noncurrent loans | 17.0367% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 24.8480% | 1 |
| Noncurrent loans to loans | 31.0511% | 2 |
| Net loans and leases to total assets | 71.7932% | 2,361 |
| Net loans and leases to deposits | 80.1352% | 3,029 |
| Net loans and leases to core deposits | 81.7241% | 3,349 |
| Total domestic deposits to total assets | 89.5901% | 645 |
| Equity capital to assets | 8.3637% | 5,000 |
| Core capital (leverage) ratio | 7.4032% | 5,404 |
| Tier 1 risk-based capital ratio | 8.8127% | 5,459 |
| Total risk-based capital ratio | 10.1015% | 5,455 |
| Memoranda: | ||
| Average total assets | $137,827,500 | 3,573 |
| Average earning assets | $125,925,250 | 3,597 |
| Average equity | $11,377,750 | 4,140 |
| Average total loans | $101,751,750 | 3,299 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9062% | 4,063 |
| Cost of funding earning assets | 0.7622% | 1,316 |
| Net interest margin | 3.1440% | 4,633 |
| Noninterest income to average assets | 0.6087% | 2,278 |
| Noninterest expense to average assets | 4.2835% | 370 |
| Loan and lease loss provision to assets | 1.2174% | 58 |
| Net operating income to assets | -2.0214% | 5,507 |
| Return on assets (ROA) | -2.0172% | 5,501 |
| Pretax return on assets | -2.0328% | 5,500 |
| Return on Equity (ROE) | -24.5330% | 5,514 |
| Retained earnings to average equity (ytd only) | -24.5330% | 5,501 |
| Net charge-offs to loans | -0.0174% | 4,505 |
| Credit loss provision to net charge-offs | -9,555.5556% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.6616% | 61 |
| Assets per employee ($millions) | 3.4415% | 4,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7766% | 40 |
| Loan loss allowance to noncurrent loans | 15.0410% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 24.6828% | 2 |
| Noncurrent loans to loans | 31.7571% | 1 |
| Net loans and leases to total assets | 69.5118% | 2,647 |
| Net loans and leases to deposits | 77.4604% | 3,207 |
| Net loans and leases to core deposits | 79.1936% | 3,483 |
| Total domestic deposits to total assets | 89.7384% | 654 |
| Equity capital to assets | 8.3021% | 5,073 |
| Core capital (leverage) ratio | 7.6197% | 5,427 |
| Tier 1 risk-based capital ratio | 8.9204% | 5,517 |
| Total risk-based capital ratio | 10.1981% | 5,511 |
| Memoranda: | ||
| Average total assets | $141,285,000 | 3,552 |
| Average earning assets | $128,307,670 | 3,579 |
| Average equity | $11,617,000 | 4,132 |
| Average total loans | $103,464,000 | 3,274 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8579% | 4,060 |
| Cost of funding earning assets | 0.7685% | 1,103 |
| Net interest margin | 3.0893% | 4,722 |
| Noninterest income to average assets | 0.6104% | 2,210 |
| Noninterest expense to average assets | 3.3532% | 1,246 |
| Loan and lease loss provision to assets | 0.8286% | 111 |
| Net operating income to assets | -0.7316% | 5,523 |
| Return on assets (ROA) | -0.7237% | 5,519 |
| Pretax return on assets | -0.7540% | 5,522 |
| Return on Equity (ROE) | -8.8409% | 5,526 |
| Retained earnings to average equity (ytd only) | -8.8409% | 5,329 |
| Net charge-offs to loans | -0.0113% | 4,303 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0614% | 207 |
| Assets per employee ($millions) | 3.5833% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0352% | 63 |
| Loan loss allowance to noncurrent loans | 13.8948% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 22.7873% | 2 |
| Noncurrent loans to loans | 29.0414% | 1 |
| Net loans and leases to total assets | 69.9926% | 2,492 |
| Net loans and leases to deposits | 78.1924% | 3,001 |
| Net loans and leases to core deposits | 80.0704% | 3,318 |
| Total domestic deposits to total assets | 89.5133% | 882 |
| Equity capital to assets | 8.5668% | 4,930 |
| Core capital (leverage) ratio | 7.7802% | 5,454 |
| Tier 1 risk-based capital ratio | 9.3699% | 5,568 |
| Total risk-based capital ratio | 10.6469% | 5,551 |
| Memoranda: | ||
| Average total assets | $144,818,000 | 3,536 |
| Average earning assets | $131,679,000 | 3,568 |
| Average equity | $11,854,000 | 4,148 |
| Average total loans | $106,207,000 | 3,258 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0849% | 3,105 |
| Cost of funding earning assets | 0.7691% | 738 |
| Net interest margin | 3.3158% | 4,109 |
| Noninterest income to average assets | 0.3537% | 3,934 |
| Noninterest expense to average assets | 3.0482% | 2,018 |
| Loan and lease loss provision to assets | 0.7265% | 169 |
| Net operating income to assets | 0.0871% | 5,270 |
| Return on assets (ROA) | 0.1011% | 5,261 |
| Pretax return on assets | -0.3773% | 5,527 |
| Return on Equity (ROE) | 1.3012% | 5,190 |
| Retained earnings to average equity (ytd only) | 1.3012% | 4,505 |
| Net charge-offs to loans | 2.0153% | 66 |
| Credit loss provision to net charge-offs | 46.5956% | 3,370 |
| Earnings coverage of net charge-offs (x) | 0.2100% | 4,005 |
| Efficiency ratio | 90.2994% | 421 |
| Assets per employee ($millions) | 3.8520% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8579% | 67 |
| Loan loss allowance to noncurrent loans | 15.7333% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 19.7106% | 2 |
| Noncurrent loans to loans | 24.5208% | 1 |
| Net loans and leases to total assets | 71.2139% | 2,347 |
| Net loans and leases to deposits | 78.9486% | 3,019 |
| Net loans and leases to core deposits | 81.0166% | 3,333 |
| Total domestic deposits to total assets | 90.2030% | 497 |
| Equity capital to assets | 8.0397% | 5,379 |
| Core capital (leverage) ratio | 7.5626% | 5,547 |
| Tier 1 risk-based capital ratio | 8.9737% | 5,636 |
| Total risk-based capital ratio | 10.2234% | 5,626 |
| Memoranda: | ||
| Average total assets | $156,356,800 | 3,395 |
| Average earning assets | $142,498,800 | 3,417 |
| Average equity | $12,142,600 | 4,117 |
| Average total loans | $120,975,200 | 3,047 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1205% | 2,912 |
| Cost of funding earning assets | 0.7573% | 733 |
| Net interest margin | 3.3632% | 3,975 |
| Noninterest income to average assets | 0.3918% | 3,742 |
| Noninterest expense to average assets | 2.9421% | 2,276 |
| Loan and lease loss provision to assets | 0.4391% | 298 |
| Net operating income to assets | 0.0631% | 5,473 |
| Return on assets (ROA) | 0.3032% | 5,230 |
| Pretax return on assets | 0.3749% | 5,227 |
| Return on Equity (ROE) | 3.9367% | 4,872 |
| Retained earnings to average equity (ytd only) | 3.9367% | 3,580 |
| Net charge-offs to loans | 2.4829% | 56 |
| Credit loss provision to net charge-offs | 22.6284% | 3,142 |
| Earnings coverage of net charge-offs (x) | 0.2668% | 3,680 |
| Efficiency ratio | 85.0378% | 683 |
| Assets per employee ($millions) | 3.9293% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2476% | 119 |
| Loan loss allowance to noncurrent loans | 14.2895% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 19.0828% | 4 |
| Noncurrent loans to loans | 22.7270% | 1 |
| Net loans and leases to total assets | 74.2266% | 1,880 |
| Net loans and leases to deposits | 84.9365% | 2,442 |
| Net loans and leases to core deposits | 87.5260% | 2,818 |
| Total domestic deposits to total assets | 87.3906% | 1,676 |
| Equity capital to assets | 8.0728% | 5,496 |
| Core capital (leverage) ratio | 7.7978% | 5,570 |
| Tier 1 risk-based capital ratio | 8.9874% | 5,700 |
| Total risk-based capital ratio | 10.2577% | 5,701 |
| Memoranda: | ||
| Average total assets | $157,888,750 | 3,400 |
| Average earning assets | $144,025,250 | 3,427 |
| Average equity | $12,158,750 | 4,148 |
| Average total loans | $123,399,750 | 3,037 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0102% | 3,171 |
| Cost of funding earning assets | 0.7375% | 731 |
| Net interest margin | 3.2727% | 4,199 |
| Noninterest income to average assets | 0.3399% | 4,118 |
| Noninterest expense to average assets | 2.8839% | 2,478 |
| Loan and lease loss provision to assets | 0.5896% | 189 |
| Net operating income to assets | -0.1543% | 5,604 |
| Return on assets (ROA) | -0.1091% | 5,591 |
| Pretax return on assets | -0.0991% | 5,581 |
| Return on Equity (ROE) | -1.4394% | 5,603 |
| Retained earnings to average equity (ytd only) | -1.4394% | 5,282 |
| Net charge-offs to loans | 3.4258% | 38 |
| Credit loss provision to net charge-offs | 21.8910% | 2,776 |
| Earnings coverage of net charge-offs (x) | 0.1653% | 3,400 |
| Efficiency ratio | 86.6240% | 644 |
| Assets per employee ($millions) | 3.9603% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2151% | 132 |
| Loan loss allowance to noncurrent loans | 14.7582% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 19.6892% | 3 |
| Noncurrent loans to loans | 21.7855% | 1 |
| Net loans and leases to total assets | 76.3632% | 1,488 |
| Net loans and leases to deposits | 86.8633% | 2,125 |
| Net loans and leases to core deposits | 90.1926% | 2,502 |
| Total domestic deposits to total assets | 87.9119% | 1,501 |
| Equity capital to assets | 7.7617% | 5,605 |
| Core capital (leverage) ratio | 7.3914% | 5,670 |
| Tier 1 risk-based capital ratio | 8.4603% | 5,758 |
| Total risk-based capital ratio | 9.3814% | 5,759 |
| Memoranda: | ||
| Average total assets | $159,437,330 | 3,402 |
| Average earning assets | $145,630,000 | 3,420 |
| Average equity | $12,088,000 | 4,169 |
| Average total loans | $125,344,670 | 3,017 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4907% | 1,393 |
| Cost of funding earning assets | 0.6855% | 903 |
| Net interest margin | 3.8052% | 2,095 |
| Noninterest income to average assets | 0.3037% | 4,385 |
| Noninterest expense to average assets | 2.8102% | 2,760 |
| Loan and lease loss provision to assets | 0.1482% | 1,258 |
| Net operating income to assets | 0.5235% | 4,501 |
| Return on assets (ROA) | 0.5235% | 4,536 |
| Pretax return on assets | 0.8273% | 4,011 |
| Return on Equity (ROE) | 6.9588% | 3,418 |
| Retained earnings to average equity (ytd only) | 6.9588% | 1,864 |
| Net charge-offs to loans | 2.5085% | 70 |
| Credit loss provision to net charge-offs | 7.5282% | 2,241 |
| Earnings coverage of net charge-offs (x) | 0.4956% | 2,813 |
| Efficiency ratio | 74.2335% | 2,195 |
| Assets per employee ($millions) | 4.0369% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8509% | 86 |
| Loan loss allowance to noncurrent loans | 29.8055% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 12.1686% | 22 |
| Noncurrent loans to loans | 12.9202% | 19 |
| Net loans and leases to total assets | 77.0418% | 1,260 |
| Net loans and leases to deposits | 87.5244% | 1,856 |
| Net loans and leases to core deposits | 91.1724% | 2,244 |
| Total domestic deposits to total assets | 88.0232% | 1,705 |
| Equity capital to assets | 7.8571% | 5,583 |
| Core capital (leverage) ratio | 7.7096% | 5,658 |
| Tier 1 risk-based capital ratio | 9.7229% | 5,751 |
| Total risk-based capital ratio | 11.0049% | 5,730 |
| Memoranda: | ||
| Average total assets | $161,979,000 | 3,404 |
| Average earning assets | $148,218,000 | 3,422 |
| Average equity | $12,186,000 | 4,186 |
| Average total loans | $127,086,500 | 3,005 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6657% | 1,129 |
| Cost of funding earning assets | 0.5875% | 1,437 |
| Net interest margin | 4.0782% | 1,431 |
| Noninterest income to average assets | 0.2843% | 4,708 |
| Noninterest expense to average assets | 2.9086% | 2,645 |
| Loan and lease loss provision to assets | 5.0644% | 8 |
| Net operating income to assets | -3.1161% | 5,894 |
| Return on assets (ROA) | -3.1161% | 5,894 |
| Pretax return on assets | -3.9493% | 5,902 |
| Return on Equity (ROE) | -30.9779% | 5,887 |
| Retained earnings to average equity (ytd only) | -32.7370% | 5,886 |
| Net charge-offs to loans | 3.2890% | 35 |
| Credit loss provision to net charge-offs | 194.5392% | 1,454 |
| Earnings coverage of net charge-offs (x) | 0.4283% | 4,102 |
| Efficiency ratio | 72.2868% | 2,550 |
| Assets per employee ($millions) | 4.1664% | 3,671 |
| Cash dividends to net income (ytd only)* | -5.6785% | 5,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3359% | 63 |
| Loan loss allowance to noncurrent loans | 60.4330% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 7.4159% | 55 |
| Noncurrent loans to loans | 7.1747% | 72 |
| Net loans and leases to total assets | 73.5423% | 1,921 |
| Net loans and leases to deposits | 87.4456% | 1,994 |
| Net loans and leases to core deposits | 90.7087% | 2,438 |
| Total domestic deposits to total assets | 84.1007% | 3,387 |
| Equity capital to assets | 7.2587% | 5,763 |
| Core capital (leverage) ratio | 7.2252% | 5,785 |
| Tier 1 risk-based capital ratio | 9.6548% | 5,800 |
| Total risk-based capital ratio | 10.9811% | 5,768 |
| Memoranda: | ||
| Average total assets | $166,714,000 | 3,321 |
| Average earning assets | $152,860,800 | 3,341 |
| Average equity | $16,770,000 | 3,582 |
| Average total loans | $131,954,800 | 2,889 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6063% | 1,280 |
| Cost of funding earning assets | 0.5686% | 1,552 |
| Net interest margin | 4.0377% | 1,558 |
| Noninterest income to average assets | 0.2711% | 4,836 |
| Noninterest expense to average assets | 2.4158% | 4,239 |
| Loan and lease loss provision to assets | 0.9484% | 107 |
| Net operating income to assets | 0.4382% | 4,911 |
| Return on assets (ROA) | 0.4382% | 4,992 |
| Pretax return on assets | 0.6150% | 4,837 |
| Return on Equity (ROE) | 4.0731% | 4,874 |
| Retained earnings to average equity (ytd only) | 1.8805% | 4,741 |
| Net charge-offs to loans | 1.0001% | 169 |
| Credit loss provision to net charge-offs | 118.9569% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1.9609% | 3,635 |
| Efficiency ratio | 60.7114% | 4,439 |
| Assets per employee ($millions) | 4.2037% | 3,584 |
| Cash dividends to net income (ytd only)* | 53.8315% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 3,090 |
| Loan loss allowance to noncurrent loans | 16.0285% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 8.9896% | 50 |
| Noncurrent loans to loans | 7.6445% | 70 |
| Net loans and leases to total assets | 78.6713% | 1,087 |
| Net loans and leases to deposits | 100.7571% | 654 |
| Net loans and leases to core deposits | 104.7777% | 1,286 |
| Total domestic deposits to total assets | 78.0802% | 4,898 |
| Equity capital to assets | 10.7143% | 3,341 |
| Core capital (leverage) ratio | 10.7864% | 2,699 |
| Tier 1 risk-based capital ratio | 13.0731% | 4,119 |
| Total risk-based capital ratio | 14.2731% | 4,061 |
| Memoranda: | ||
| Average total assets | $166,728,750 | 3,338 |
| Average earning assets | $153,118,500 | 3,350 |
| Average equity | $17,938,250 | 3,444 |
| Average total loans | $132,914,250 | 2,888 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4863% | 1,555 |
| Cost of funding earning assets | 0.5732% | 1,521 |
| Net interest margin | 3.9131% | 1,935 |
| Noninterest income to average assets | 0.2490% | 4,989 |
| Noninterest expense to average assets | 2.3686% | 4,430 |
| Loan and lease loss provision to assets | 0.8734% | 116 |
| Net operating income to assets | 0.4138% | 4,993 |
| Return on assets (ROA) | 0.4138% | 5,077 |
| Pretax return on assets | 0.6039% | 4,875 |
| Return on Equity (ROE) | 3.8409% | 4,973 |
| Retained earnings to average equity (ytd only) | 0.5471% | 5,143 |
| Net charge-offs to loans | 1.4739% | 98 |
| Credit loss provision to net charge-offs | 74.3091% | 2,435 |
| Earnings coverage of net charge-offs (x) | 1.2569% | 3,438 |
| Efficiency ratio | 61.5890% | 4,408 |
| Assets per employee ($millions) | 4.3138% | 3,346 |
| Cash dividends to net income (ytd only)* | 85.7558% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9058% | 4,939 |
| Loan loss allowance to noncurrent loans | 11.1950% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 8.8433% | 55 |
| Noncurrent loans to loans | 8.0910% | 66 |
| Net loans and leases to total assets | 78.0974% | 1,188 |
| Net loans and leases to deposits | 99.2687% | 759 |
| Net loans and leases to core deposits | 103.0712% | 1,394 |
| Total domestic deposits to total assets | 78.6727% | 4,854 |
| Equity capital to assets | 10.6188% | 3,512 |
| Core capital (leverage) ratio | 10.8409% | 2,605 |
| Tier 1 risk-based capital ratio | 13.0119% | 4,192 |
| Total risk-based capital ratio | 13.8960% | 4,323 |
| Memoranda: | ||
| Average total assets | $166,255,330 | 3,362 |
| Average earning assets | $152,819,330 | 3,373 |
| Average equity | $17,912,330 | 3,449 |
| Average total loans | $132,577,000 | 2,894 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8603% | 752 |
| Cost of funding earning assets | 0.5525% | 1,682 |
| Net interest margin | 4.3078% | 918 |
| Noninterest income to average assets | 0.2057% | 5,265 |
| Noninterest expense to average assets | 2.4034% | 4,358 |
| Loan and lease loss provision to assets | 0.7261% | 145 |
| Net operating income to assets | 0.8399% | 3,033 |
| Return on assets (ROA) | 0.8399% | 3,166 |
| Pretax return on assets | 1.0771% | 3,179 |
| Return on Equity (ROE) | 7.7386% | 3,067 |
| Retained earnings to average equity (ytd only) | 7.7386% | 1,574 |
| Net charge-offs to loans | 1.6142% | 104 |
| Credit loss provision to net charge-offs | 56.0748% | 2,003 |
| Earnings coverage of net charge-offs (x) | 1.3925% | 2,824 |
| Efficiency ratio | 57.1346% | 5,082 |
| Assets per employee ($millions) | 4.1705% | 3,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9227% | 4,979 |
| Loan loss allowance to noncurrent loans | 15.2163% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 6.2085% | 110 |
| Noncurrent loans to loans | 6.0637% | 140 |
| Net loans and leases to total assets | 80.3460% | 765 |
| Net loans and leases to deposits | 99.0158% | 689 |
| Net loans and leases to core deposits | 104.6871% | 1,151 |
| Total domestic deposits to total assets | 81.1447% | 4,447 |
| Equity capital to assets | 11.1455% | 2,777 |
| Core capital (leverage) ratio | 10.9516% | 2,449 |
| Tier 1 risk-based capital ratio | 13.4594% | 4,000 |
| Total risk-based capital ratio | 14.3732% | 4,101 |
| Memoranda: | ||
| Average total assets | $165,263,000 | 3,383 |
| Average earning assets | $153,489,000 | 3,374 |
| Average equity | $17,936,000 | 3,448 |
| Average total loans | $132,569,500 | 2,894 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9684% | 668 |
| Cost of funding earning assets | 0.5744% | 1,560 |
| Net interest margin | 4.3940% | 807 |
| Noninterest income to average assets | 0.2647% | 4,982 |
| Noninterest expense to average assets | 2.3689% | 4,591 |
| Loan and lease loss provision to assets | 0.6740% | 152 |
| Net operating income to assets | 0.9430% | 2,645 |
| Return on assets (ROA) | 0.9430% | 2,719 |
| Pretax return on assets | 1.3462% | 2,108 |
| Return on Equity (ROE) | 8.7825% | 2,571 |
| Retained earnings to average equity (ytd only) | 5.4423% | 2,108 |
| Net charge-offs to loans | 1.1044% | 172 |
| Credit loss provision to net charge-offs | 75.0689% | 3,035 |
| Earnings coverage of net charge-offs (x) | 2.2500% | 3,941 |
| Efficiency ratio | 53.9730% | 5,524 |
| Assets per employee ($millions) | 4.4178% | 3,180 |
| Cash dividends to net income (ytd only)* | 38.0328% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 4,101 |
| Loan loss allowance to noncurrent loans | 25.4246% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 4.6248% | 200 |
| Noncurrent loans to loans | 4.2863% | 260 |
| Net loans and leases to total assets | 78.5027% | 1,057 |
| Net loans and leases to deposits | 95.1050% | 1,101 |
| Net loans and leases to core deposits | 100.4665% | 1,473 |
| Total domestic deposits to total assets | 82.5432% | 4,005 |
| Equity capital to assets | 10.5696% | 3,286 |
| Core capital (leverage) ratio | 10.7094% | 2,699 |
| Tier 1 risk-based capital ratio | 13.1221% | 4,223 |
| Total risk-based capital ratio | 14.2028% | 4,256 |
| Memoranda: | ||
| Average total assets | $161,717,800 | 3,407 |
| Average earning assets | $151,798,600 | 3,374 |
| Average equity | $17,364,000 | 3,486 |
| Average total loans | $131,475,200 | 2,865 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0308% | 579 |
| Cost of funding earning assets | 0.6000% | 1,404 |
| Net interest margin | 4.4308% | 751 |
| Noninterest income to average assets | 0.2439% | 5,186 |
| Noninterest expense to average assets | 2.4780% | 4,262 |
| Loan and lease loss provision to assets | 0.6076% | 148 |
| Net operating income to assets | 0.9456% | 2,730 |
| Return on assets (ROA) | 0.9456% | 2,835 |
| Pretax return on assets | 1.3318% | 2,277 |
| Return on Equity (ROE) | 8.7708% | 2,691 |
| Retained earnings to average equity (ytd only) | 6.5318% | 1,939 |
| Net charge-offs to loans | 0.8018% | 252 |
| Credit loss provision to net charge-offs | 92.6396% | 2,432 |
| Earnings coverage of net charge-offs (x) | 2.9569% | 3,571 |
| Efficiency ratio | 56.0957% | 5,339 |
| Assets per employee ($millions) | 4.3051% | 3,312 |
| Cash dividends to net income (ytd only)* | 25.5283% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3247% | 2,972 |
| Loan loss allowance to noncurrent loans | 39.7105% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 3.9855% | 300 |
| Noncurrent loans to loans | 3.3359% | 489 |
| Net loans and leases to total assets | 79.9557% | 827 |
| Net loans and leases to deposits | 96.1362% | 990 |
| Net loans and leases to core deposits | 101.4315% | 1,417 |
| Total domestic deposits to total assets | 83.1692% | 3,746 |
| Equity capital to assets | 10.8214% | 3,221 |
| Core capital (leverage) ratio | 10.8303% | 2,668 |
| Tier 1 risk-based capital ratio | 13.1378% | 4,356 |
| Total risk-based capital ratio | 14.3885% | 4,276 |
| Memoranda: | ||
| Average total assets | $160,178,000 | 3,456 |
| Average earning assets | $150,881,000 | 3,416 |
| Average equity | $17,269,000 | 3,521 |
| Average total loans | $131,034,000 | 2,886 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9751% | 618 |
| Cost of funding earning assets | 0.6161% | 1,307 |
| Net interest margin | 4.3591% | 819 |
| Noninterest income to average assets | 0.2653% | 5,054 |
| Noninterest expense to average assets | 2.5025% | 4,236 |
| Loan and lease loss provision to assets | 0.6162% | 145 |
| Net operating income to assets | 0.9960% | 2,407 |
| Return on assets (ROA) | 0.9960% | 2,519 |
| Pretax return on assets | 1.2664% | 2,485 |
| Return on Equity (ROE) | 9.2500% | 2,411 |
| Retained earnings to average equity (ytd only) | 5.8630% | 2,320 |
| Net charge-offs to loans | 1.1768% | 160 |
| Credit loss provision to net charge-offs | 63.8021% | 2,554 |
| Earnings coverage of net charge-offs (x) | 1.9492% | 3,423 |
| Efficiency ratio | 57.0691% | 5,330 |
| Assets per employee ($millions) | 4.2399% | 3,401 |
| Cash dividends to net income (ytd only)* | 36.6162% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 3,939 |
| Loan loss allowance to noncurrent loans | 35.5062% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 4.1672% | 306 |
| Noncurrent loans to loans | 3.3089% | 549 |
| Net loans and leases to total assets | 80.1914% | 776 |
| Net loans and leases to deposits | 96.3583% | 928 |
| Net loans and leases to core deposits | 101.8100% | 1,344 |
| Total domestic deposits to total assets | 83.2221% | 3,861 |
| Equity capital to assets | 10.7444% | 3,171 |
| Core capital (leverage) ratio | 10.7156% | 2,716 |
| Tier 1 risk-based capital ratio | 13.1143% | 4,450 |
| Total risk-based capital ratio | 14.2831% | 4,418 |
| Memoranda: | ||
| Average total assets | $159,039,670 | 3,503 |
| Average earning assets | $150,307,670 | 3,452 |
| Average equity | $17,124,330 | 3,551 |
| Average total loans | $130,526,000 | 2,901 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0346% | 549 |
| Cost of funding earning assets | 0.6513% | 1,107 |
| Net interest margin | 4.3832% | 760 |
| Noninterest income to average assets | 0.2228% | 5,362 |
| Noninterest expense to average assets | 2.5519% | 4,095 |
| Loan and lease loss provision to assets | 0.6329% | 144 |
| Net operating income to assets | 0.9468% | 2,529 |
| Return on assets (ROA) | 0.9468% | 2,665 |
| Pretax return on assets | 1.1949% | 2,690 |
| Return on Equity (ROE) | 8.7840% | 2,553 |
| Retained earnings to average equity (ytd only) | 8.7840% | 1,273 |
| Net charge-offs to loans | 2.3279% | 69 |
| Credit loss provision to net charge-offs | 32.9381% | 2,252 |
| Earnings coverage of net charge-offs (x) | 0.9513% | 2,988 |
| Efficiency ratio | 58.2659% | 5,307 |
| Assets per employee ($millions) | 4.1519% | 3,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 5,054 |
| Loan loss allowance to noncurrent loans | 32.8798% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 2.8211% | 699 |
| Noncurrent loans to loans | 3.0289% | 708 |
| Net loans and leases to total assets | 82.2264% | 441 |
| Net loans and leases to deposits | 98.2200% | 662 |
| Net loans and leases to core deposits | 102.9783% | 1,119 |
| Total domestic deposits to total assets | 83.7165% | 3,925 |
| Equity capital to assets | 10.9233% | 3,060 |
| Core capital (leverage) ratio | 10.8617% | 2,561 |
| Tier 1 risk-based capital ratio | 13.3623% | 4,387 |
| Total risk-based capital ratio | 14.3817% | 4,457 |
| Memoranda: | ||
| Average total assets | $158,001,000 | 3,541 |
| Average earning assets | $149,844,000 | 3,471 |
| Average equity | $17,031,000 | 3,586 |
| Average total loans | $130,420,000 | 2,909 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0295% | 724 |
| Cost of funding earning assets | 0.5678% | 2,065 |
| Net interest margin | 4.4617% | 798 |
| Noninterest income to average assets | 0.3023% | 4,953 |
| Noninterest expense to average assets | 2.3424% | 4,992 |
| Loan and lease loss provision to assets | 2.0161% | 28 |
| Net operating income to assets | 0.1436% | 5,890 |
| Return on assets (ROA) | 0.1436% | 5,935 |
| Pretax return on assets | 0.1828% | 5,897 |
| Return on Equity (ROE) | 1.2976% | 5,935 |
| Retained earnings to average equity (ytd only) | -1.9608% | 6,008 |
| Net charge-offs to loans | 2.2016% | 80 |
| Credit loss provision to net charge-offs | 112.2535% | 2,117 |
| Earnings coverage of net charge-offs (x) | 1.2243% | 4,464 |
| Efficiency ratio | 51.5806% | 6,009 |
| Assets per employee ($millions) | 4.2765% | 3,409 |
| Cash dividends to net income (ytd only)* | 251.1013% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 2,964 |
| Loan loss allowance to noncurrent loans | 47.3382% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 2.6607% | 841 |
| Noncurrent loans to loans | 2.9521% | 767 |
| Net loans and leases to total assets | 80.8891% | 635 |
| Net loans and leases to deposits | 92.9437% | 1,190 |
| Net loans and leases to core deposits | 98.4190% | 1,519 |
| Total domestic deposits to total assets | 87.0302% | 2,267 |
| Equity capital to assets | 10.6352% | 3,317 |
| Core capital (leverage) ratio | 10.4532% | 2,998 |
| Tier 1 risk-based capital ratio | 13.1812% | 4,601 |
| Total risk-based capital ratio | 14.4329% | 4,529 |
| Memoranda: | ||
| Average total assets | $158,127,800 | 3,516 |
| Average earning assets | $150,233,000 | 3,439 |
| Average equity | $17,493,200 | 3,457 |
| Average total loans | $128,997,200 | 2,887 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0481% | 708 |
| Cost of funding earning assets | 0.5639% | 2,160 |
| Net interest margin | 4.4843% | 764 |
| Noninterest income to average assets | 0.2758% | 5,232 |
| Noninterest expense to average assets | 2.4692% | 4,618 |
| Loan and lease loss provision to assets | 1.1427% | 88 |
| Net operating income to assets | 0.8855% | 2,983 |
| Return on assets (ROA) | 0.8855% | 3,087 |
| Pretax return on assets | 0.9293% | 3,865 |
| Return on Equity (ROE) | 7.9276% | 3,247 |
| Retained earnings to average equity (ytd only) | 5.7758% | 2,550 |
| Net charge-offs to loans | 1.3665% | 187 |
| Credit loss provision to net charge-offs | 102.6515% | 2,150 |
| Earnings coverage of net charge-offs (x) | 1.8614% | 4,061 |
| Efficiency ratio | 54.3733% | 5,787 |
| Assets per employee ($millions) | 4.3177% | 3,265 |
| Cash dividends to net income (ytd only)* | 27.1427% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1485% | 4,510 |
| Loan loss allowance to noncurrent loans | 50.4368% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 2.1245% | 1,320 |
| Noncurrent loans to loans | 2.2771% | 1,317 |
| Net loans and leases to total assets | 80.8677% | 628 |
| Net loans and leases to deposits | 95.7985% | 899 |
| Net loans and leases to core deposits | 100.7699% | 1,313 |
| Total domestic deposits to total assets | 84.4144% | 3,583 |
| Equity capital to assets | 11.2509% | 2,703 |
| Core capital (leverage) ratio | 11.2027% | 2,306 |
| Tier 1 risk-based capital ratio | 13.8730% | 4,308 |
| Total risk-based capital ratio | 15.0402% | 4,291 |
| Memoranda: | ||
| Average total assets | $158,102,500 | 3,541 |
| Average earning assets | $150,388,250 | 3,459 |
| Average equity | $17,659,500 | 3,455 |
| Average total loans | $128,795,500 | 2,897 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9783% | 785 |
| Cost of funding earning assets | 0.5696% | 2,166 |
| Net interest margin | 4.4087% | 833 |
| Noninterest income to average assets | 0.2640% | 5,314 |
| Noninterest expense to average assets | 2.5020% | 4,570 |
| Loan and lease loss provision to assets | 0.9013% | 127 |
| Net operating income to assets | 0.9851% | 2,383 |
| Return on assets (ROA) | 0.9851% | 2,462 |
| Pretax return on assets | 1.0562% | 3,254 |
| Return on Equity (ROE) | 8.8410% | 2,671 |
| Retained earnings to average equity (ytd only) | 5.5940% | 2,585 |
| Net charge-offs to loans | 0.7366% | 517 |
| Credit loss provision to net charge-offs | 150.4237% | 1,449 |
| Earnings coverage of net charge-offs (x) | 3.2669% | 3,355 |
| Efficiency ratio | 56.1059% | 5,739 |
| Assets per employee ($millions) | 4.2138% | 3,433 |
| Cash dividends to net income (ytd only)* | 36.7268% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 3,745 |
| Loan loss allowance to noncurrent loans | 53.6018% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 2.2987% | 1,301 |
| Noncurrent loans to loans | 2.4656% | 1,265 |
| Net loans and leases to total assets | 81.6037% | 506 |
| Net loans and leases to deposits | 95.2720% | 861 |
| Net loans and leases to core deposits | 99.8579% | 1,302 |
| Total domestic deposits to total assets | 85.6534% | 3,215 |
| Equity capital to assets | 11.4186% | 2,498 |
| Core capital (leverage) ratio | 11.4252% | 2,069 |
| Tier 1 risk-based capital ratio | 14.0458% | 4,233 |
| Total risk-based capital ratio | 15.2967% | 4,159 |
| Memoranda: | ||
| Average total assets | $157,551,330 | 3,571 |
| Average earning assets | $149,929,670 | 3,486 |
| Average equity | $17,554,670 | 3,469 |
| Average total loans | $128,163,330 | 2,897 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1618% | 521 |
| Cost of funding earning assets | 0.5868% | 2,103 |
| Net interest margin | 4.5750% | 583 |
| Noninterest income to average assets | 0.2753% | 5,166 |
| Noninterest expense to average assets | 2.5838% | 4,328 |
| Loan and lease loss provision to assets | 0.9598% | 116 |
| Net operating income to assets | 0.9623% | 2,344 |
| Return on assets (ROA) | 0.9623% | 2,415 |
| Pretax return on assets | 1.0835% | 2,986 |
| Return on Equity (ROE) | 8.7433% | 2,578 |
| Retained earnings to average equity (ytd only) | 8.7433% | 1,331 |
| Net charge-offs to loans | 0.1064% | 2,120 |
| Credit loss provision to net charge-offs | 1,117.6471% | 288 |
| Earnings coverage of net charge-offs (x) | 23.7941% | 1,208 |
| Efficiency ratio | 55.8406% | 5,852 |
| Assets per employee ($millions) | 4.0853% | 3,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 3,552 |
| Loan loss allowance to noncurrent loans | 77.9690% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.8307% | 1,902 |
| Noncurrent loans to loans | 1.8083% | 2,121 |
| Net loans and leases to total assets | 81.6198% | 387 |
| Net loans and leases to deposits | 93.7495% | 816 |
| Net loans and leases to core deposits | 98.6484% | 1,194 |
| Total domestic deposits to total assets | 87.0616% | 2,768 |
| Equity capital to assets | 11.3615% | 2,365 |
| Core capital (leverage) ratio | 11.0769% | 2,323 |
| Tier 1 risk-based capital ratio | 13.9613% | 4,358 |
| Total risk-based capital ratio | 15.2140% | 4,297 |
| Memoranda: | ||
| Average total assets | $158,371,000 | 3,586 |
| Average earning assets | $150,646,000 | 3,494 |
| Average equity | $17,430,500 | 3,491 |
| Average total loans | $127,778,000 | 2,909 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1832% | 665 |
| Cost of funding earning assets | 0.6555% | 2,165 |
| Net interest margin | 4.5277% | 697 |
| Noninterest income to average assets | 0.2836% | 5,326 |
| Noninterest expense to average assets | 2.4560% | 4,905 |
| Loan and lease loss provision to assets | 0.5559% | 470 |
| Net operating income to assets | 1.0120% | 2,276 |
| Return on assets (ROA) | 1.0120% | 2,338 |
| Pretax return on assets | 1.5521% | 1,293 |
| Return on Equity (ROE) | 9.5063% | 2,326 |
| Retained earnings to average equity (ytd only) | 6.0646% | 1,932 |
| Net charge-offs to loans | 0.5715% | 1,151 |
| Credit loss provision to net charge-offs | 123.2493% | 1,930 |
| Earnings coverage of net charge-offs (x) | 4.6737% | 3,494 |
| Efficiency ratio | 53.8131% | 6,153 |
| Assets per employee ($millions) | 4.2500% | 3,357 |
| Cash dividends to net income (ytd only)* | 36.2047% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 4,885 |
| Loan loss allowance to noncurrent loans | 71.5959% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 1.6118% | 2,300 |
| Noncurrent loans to loans | 1.6129% | 2,489 |
| Net loans and leases to total assets | 77.7516% | 851 |
| Net loans and leases to deposits | 88.6210% | 1,395 |
| Net loans and leases to core deposits | 93.4891% | 1,634 |
| Total domestic deposits to total assets | 87.7349% | 2,345 |
| Equity capital to assets | 10.6645% | 2,963 |
| Core capital (leverage) ratio | 10.7418% | 2,634 |
| Tier 1 risk-based capital ratio | 13.6981% | 4,522 |
| Total risk-based capital ratio | 14.8677% | 4,519 |
| Memoranda: | ||
| Average total assets | $158,305,600 | 3,587 |
| Average earning assets | $149,655,800 | 3,506 |
| Average equity | $16,852,000 | 3,581 |
| Average total loans | $124,930,400 | 2,941 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1666% | 693 |
| Cost of funding earning assets | 0.6702% | 2,174 |
| Net interest margin | 4.4964% | 746 |
| Noninterest income to average assets | 0.2573% | 5,601 |
| Noninterest expense to average assets | 2.3905% | 5,052 |
| Loan and lease loss provision to assets | 0.6095% | 395 |
| Net operating income to assets | 0.9921% | 2,407 |
| Return on assets (ROA) | 0.9921% | 2,502 |
| Pretax return on assets | 1.5110% | 1,573 |
| Return on Equity (ROE) | 9.3240% | 2,473 |
| Retained earnings to average equity (ytd only) | 7.0168% | 1,864 |
| Net charge-offs to loans | 0.1050% | 3,484 |
| Credit loss provision to net charge-offs | 734.6939% | 395 |
| Earnings coverage of net charge-offs (x) | 25.5619% | 1,382 |
| Efficiency ratio | 52.9931% | 6,181 |
| Assets per employee ($millions) | 4.1885% | 3,449 |
| Cash dividends to net income (ytd only)* | 24.7442% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 3,369 |
| Loan loss allowance to noncurrent loans | 88.0843% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 1.7385% | 2,357 |
| Noncurrent loans to loans | 1.7271% | 2,604 |
| Net loans and leases to total assets | 78.1682% | 730 |
| Net loans and leases to deposits | 89.1422% | 1,253 |
| Net loans and leases to core deposits | 94.5575% | 1,520 |
| Total domestic deposits to total assets | 87.6893% | 2,301 |
| Equity capital to assets | 10.7350% | 3,029 |
| Core capital (leverage) ratio | 10.9461% | 2,533 |
| Tier 1 risk-based capital ratio | 12.2372% | 5,612 |
| Total risk-based capital ratio | 13.4887% | 5,550 |
| Memoranda: | ||
| Average total assets | $157,507,250 | 3,632 |
| Average earning assets | $149,004,500 | 3,551 |
| Average equity | $16,759,250 | 3,636 |
| Average total loans | $124,404,250 | 2,968 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1563% | 686 |
| Cost of funding earning assets | 0.6881% | 2,155 |
| Net interest margin | 4.4682% | 756 |
| Noninterest income to average assets | 0.2561% | 5,619 |
| Noninterest expense to average assets | 2.4121% | 5,018 |
| Loan and lease loss provision to assets | 0.6116% | 413 |
| Net operating income to assets | 0.9901% | 2,376 |
| Return on assets (ROA) | 0.9901% | 2,513 |
| Pretax return on assets | 1.4603% | 1,740 |
| Return on Equity (ROE) | 9.3331% | 2,480 |
| Retained earnings to average equity (ytd only) | 5.8497% | 2,517 |
| Net charge-offs to loans | 0.0760% | 3,628 |
| Credit loss provision to net charge-offs | 1,021.2766% | 294 |
| Earnings coverage of net charge-offs (x) | 34.5957% | 1,032 |
| Efficiency ratio | 53.7937% | 6,162 |
| Assets per employee ($millions) | 4.0182% | 3,756 |
| Cash dividends to net income (ytd only)* | 37.3230% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 4,079 |
| Loan loss allowance to noncurrent loans | 83.6794% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.8292% | 2,371 |
| Noncurrent loans to loans | 1.6617% | 2,821 |
| Net loans and leases to total assets | 80.4892% | 490 |
| Net loans and leases to deposits | 92.0357% | 960 |
| Net loans and leases to core deposits | 98.8681% | 1,152 |
| Total domestic deposits to total assets | 87.4543% | 2,560 |
| Equity capital to assets | 10.9365% | 2,809 |
| Core capital (leverage) ratio | 10.8052% | 2,556 |
| Tier 1 risk-based capital ratio | 12.1788% | 5,693 |
| Total risk-based capital ratio | 13.4292% | 5,638 |
| Memoranda: | ||
| Average total assets | $156,955,670 | 3,660 |
| Average earning assets | $148,516,000 | 3,587 |
| Average equity | $16,650,330 | 3,678 |
| Average total loans | $123,760,330 | 2,995 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9935% | 899 |
| Cost of funding earning assets | 0.6978% | 2,235 |
| Net interest margin | 4.2957% | 979 |
| Noninterest income to average assets | 0.2414% | 5,731 |
| Noninterest expense to average assets | 2.4464% | 4,960 |
| Loan and lease loss provision to assets | 0.6034% | 420 |
| Net operating income to assets | 0.9102% | 2,601 |
| Return on assets (ROA) | 0.9102% | 2,751 |
| Pretax return on assets | 1.2622% | 2,363 |
| Return on Equity (ROE) | 8.7093% | 2,621 |
| Retained earnings to average equity (ytd only) | 8.7093% | 1,484 |
| Net charge-offs to loans | 0.2660% | 1,893 |
| Credit loss provision to net charge-offs | 292.6829% | 819 |
| Earnings coverage of net charge-offs (x) | 9.0488% | 1,890 |
| Efficiency ratio | 56.7347% | 5,996 |
| Assets per employee ($millions) | 4.1203% | 3,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 5,207 |
| Loan loss allowance to noncurrent loans | 50.9783% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 2.3165% | 2,006 |
| Noncurrent loans to loans | 2.3427% | 2,230 |
| Net loans and leases to total assets | 77.0952% | 710 |
| Net loans and leases to deposits | 88.7833% | 1,072 |
| Net loans and leases to core deposits | 95.7658% | 1,212 |
| Total domestic deposits to total assets | 86.8353% | 3,055 |
| Equity capital to assets | 10.7217% | 3,296 |
| Core capital (leverage) ratio | 10.4295% | 2,866 |
| Tier 1 risk-based capital ratio | 12.3601% | 5,670 |
| Total risk-based capital ratio | 13.4510% | 5,750 |
| Memoranda: | ||
| Average total assets | $159,088,500 | 3,667 |
| Average earning assets | $150,755,000 | 3,580 |
| Average equity | $16,626,000 | 3,723 |
| Average total loans | $123,324,500 | 3,022 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4133% | 740 |
| Cost of funding earning assets | 0.8071% | 2,613 |
| Net interest margin | 4.6062% | 772 |
| Noninterest income to average assets | 0.2786% | 5,471 |
| Noninterest expense to average assets | 2.6022% | 4,737 |
| Loan and lease loss provision to assets | 0.5335% | 1,084 |
| Net operating income to assets | 0.9990% | 2,338 |
| Return on assets (ROA) | 0.9990% | 2,563 |
| Pretax return on assets | 1.4713% | 1,776 |
| Return on Equity (ROE) | 9.1220% | 2,584 |
| Retained earnings to average equity (ytd only) | 5.6035% | 2,312 |
| Net charge-offs to loans | 0.2911% | 3,195 |
| Credit loss provision to net charge-offs | 233.6310% | 1,056 |
| Earnings coverage of net charge-offs (x) | 8.7798% | 2,353 |
| Efficiency ratio | 56.4833% | 6,009 |
| Assets per employee ($millions) | 4.3678% | 3,215 |
| Cash dividends to net income (ytd only)* | 38.5714% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 5,782 |
| Loan loss allowance to noncurrent loans | 53.7857% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 2.0309% | 2,415 |
| Noncurrent loans to loans | 1.9416% | 2,754 |
| Net loans and leases to total assets | 76.2232% | 884 |
| Net loans and leases to deposits | 87.5338% | 1,327 |
| Net loans and leases to core deposits | 93.7972% | 1,482 |
| Total domestic deposits to total assets | 87.0785% | 2,799 |
| Equity capital to assets | 10.1883% | 3,904 |
| Core capital (leverage) ratio | 10.5459% | 2,712 |
| Tier 1 risk-based capital ratio | 11.8176% | 5,897 |
| Total risk-based capital ratio | 12.7675% | 6,061 |
| Memoranda: | ||
| Average total assets | $147,146,800 | 3,825 |
| Average earning assets | $138,270,800 | 3,750 |
| Average equity | $16,114,800 | 3,756 |
| Average total loans | $115,438,800 | 3,178 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4778% | 716 |
| Cost of funding earning assets | 0.8390% | 2,636 |
| Net interest margin | 4.6388% | 763 |
| Noninterest income to average assets | 0.2861% | 5,497 |
| Noninterest expense to average assets | 2.5443% | 4,942 |
| Loan and lease loss provision to assets | 0.6131% | 883 |
| Net operating income to assets | 1.0255% | 2,385 |
| Return on assets (ROA) | 1.0255% | 2,604 |
| Pretax return on assets | 1.4788% | 1,961 |
| Return on Equity (ROE) | 9.1841% | 2,715 |
| Retained earnings to average equity (ytd only) | 6.8548% | 2,205 |
| Net charge-offs to loans | 0.1767% | 3,694 |
| Credit loss provision to net charge-offs | 440.0000% | 608 |
| Earnings coverage of net charge-offs (x) | 15.0130% | 1,801 |
| Efficiency ratio | 54.8788% | 6,156 |
| Assets per employee ($millions) | 4.3834% | 3,098 |
| Cash dividends to net income (ytd only)* | 25.3621% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 5,633 |
| Loan loss allowance to noncurrent loans | 46.4347% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 2.7457% | 1,923 |
| Noncurrent loans to loans | 2.4129% | 2,387 |
| Net loans and leases to total assets | 80.5925% | 461 |
| Net loans and leases to deposits | 93.6896% | 813 |
| Net loans and leases to core deposits | 101.9852% | 985 |
| Total domestic deposits to total assets | 86.0207% | 3,244 |
| Equity capital to assets | 11.0323% | 3,232 |
| Core capital (leverage) ratio | 11.0103% | 2,369 |
| Tier 1 risk-based capital ratio | 12.2999% | 5,762 |
| Total risk-based capital ratio | 13.3399% | 5,871 |
| Memoranda: | ||
| Average total assets | $143,531,750 | 3,927 |
| Average earning assets | $134,601,500 | 3,860 |
| Average equity | $16,027,250 | 3,811 |
| Average total loans | $113,178,000 | 3,252 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5911% | 585 |
| Cost of funding earning assets | 0.8473% | 2,816 |
| Net interest margin | 4.7438% | 619 |
| Noninterest income to average assets | 0.2668% | 5,668 |
| Noninterest expense to average assets | 2.5378% | 5,007 |
| Loan and lease loss provision to assets | 0.6775% | 830 |
| Net operating income to assets | 1.0868% | 2,093 |
| Return on assets (ROA) | 1.0868% | 2,315 |
| Pretax return on assets | 1.5004% | 1,845 |
| Return on Equity (ROE) | 9.6922% | 2,488 |
| Retained earnings to average equity (ytd only) | 6.1678% | 2,592 |
| Net charge-offs to loans | 0.2753% | 2,939 |
| Credit loss provision to net charge-offs | 315.7895% | 934 |
| Earnings coverage of net charge-offs (x) | 10.1513% | 2,090 |
| Efficiency ratio | 53.8162% | 6,332 |
| Assets per employee ($millions) | 4.3658% | 3,140 |
| Cash dividends to net income (ytd only)* | 36.3636% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 6,076 |
| Loan loss allowance to noncurrent loans | 202.5773% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 1.2889% | 3,849 |
| Noncurrent loans to loans | 0.5033% | 5,530 |
| Net loans and leases to total assets | 79.4444% | 568 |
| Net loans and leases to deposits | 93.2068% | 838 |
| Net loans and leases to core deposits | 101.1873% | 1,027 |
| Total domestic deposits to total assets | 85.2346% | 3,750 |
| Equity capital to assets | 11.1589% | 2,941 |
| Core capital (leverage) ratio | 11.0566% | 2,245 |
| Tier 1 risk-based capital ratio | 12.7021% | 5,414 |
| Total risk-based capital ratio | 13.6522% | 5,627 |
| Memoranda: | ||
| Average total assets | $141,697,330 | 3,978 |
| Average earning assets | $132,890,000 | 3,904 |
| Average equity | $15,889,000 | 3,825 |
| Average total loans | $110,413,330 | 3,324 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6923% | 524 |
| Cost of funding earning assets | 0.8821% | 2,820 |
| Net interest margin | 4.8102% | 552 |
| Noninterest income to average assets | 0.2648% | 5,755 |
| Noninterest expense to average assets | 2.4881% | 5,185 |
| Loan and lease loss provision to assets | 0.8540% | 537 |
| Net operating income to assets | 1.0960% | 2,104 |
| Return on assets (ROA) | 1.0960% | 2,301 |
| Pretax return on assets | 1.4092% | 2,172 |
| Return on Equity (ROE) | 9.7499% | 2,492 |
| Retained earnings to average equity (ytd only) | 9.7499% | 1,336 |
| Net charge-offs to loans | 0.3414% | 2,286 |
| Credit loss provision to net charge-offs | 326.0870% | 918 |
| Earnings coverage of net charge-offs (x) | 8.6413% | 1,935 |
| Efficiency ratio | 52.3667% | 6,505 |
| Assets per employee ($millions) | 4.2932% | 3,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 6,381 |
| Loan loss allowance to noncurrent loans | 83.5174% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.9319% | 2,997 |
| Noncurrent loans to loans | 1.1531% | 4,404 |
| Net loans and leases to total assets | 76.8685% | 712 |
| Net loans and leases to deposits | 90.3828% | 934 |
| Net loans and leases to core deposits | 98.5994% | 1,081 |
| Total domestic deposits to total assets | 85.0477% | 4,016 |
| Equity capital to assets | 11.2658% | 2,664 |
| Core capital (leverage) ratio | 11.2352% | 2,086 |
| Tier 1 risk-based capital ratio | 12.9969% | 5,222 |
| Total risk-based capital ratio | 13.8759% | 5,471 |
| Memoranda: | ||
| Average total assets | $140,509,500 | 4,021 |
| Average earning assets | $131,054,500 | 3,967 |
| Average equity | $15,795,000 | 3,845 |
| Average total loans | $107,801,500 | 3,414 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7724% | 675 |
| Cost of funding earning assets | 1.0801% | 2,806 |
| Net interest margin | 4.6923% | 769 |
| Noninterest income to average assets | 0.3035% | 5,366 |
| Noninterest expense to average assets | 2.7036% | 4,730 |
| Loan and lease loss provision to assets | 0.3284% | 3,059 |
| Net operating income to assets | 1.1234% | 1,742 |
| Return on assets (ROA) | 1.1234% | 1,864 |
| Pretax return on assets | 1.6799% | 1,035 |
| Return on Equity (ROE) | 9.8163% | 2,121 |
| Retained earnings to average equity (ytd only) | 6.0363% | 1,995 |
| Net charge-offs to loans | 0.3362% | 3,713 |
| Credit loss provision to net charge-offs | 126.8222% | 2,450 |
| Earnings coverage of net charge-offs (x) | 7.7551% | 2,272 |
| Efficiency ratio | 57.3786% | 6,131 |
| Assets per employee ($millions) | 3.6669% | 4,623 |
| Cash dividends to net income (ytd only)* | 38.5081% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8056% | 6,722 |
| Loan loss allowance to noncurrent loans | 50.1473% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 2.3568% | 2,565 |
| Noncurrent loans to loans | 1.6064% | 3,749 |
| Net loans and leases to total assets | 75.2020% | 1,061 |
| Net loans and leases to deposits | 88.6216% | 1,302 |
| Net loans and leases to core deposits | 95.1926% | 1,571 |
| Total domestic deposits to total assets | 84.8574% | 3,924 |
| Equity capital to assets | 11.2163% | 2,775 |
| Core capital (leverage) ratio | 11.1404% | 2,162 |
| Tier 1 risk-based capital ratio | 13.1219% | 4,976 |
| Total risk-based capital ratio | 13.8530% | 5,361 |
| Memoranda: | ||
| Average total assets | $132,452,000 | 4,118 |
| Average earning assets | $124,437,600 | 4,052 |
| Average equity | $15,158,400 | 3,875 |
| Average total loans | $102,018,400 | 3,573 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7607% | 760 |
| Cost of funding earning assets | 1.1177% | 2,857 |
| Net interest margin | 4.6430% | 864 |
| Noninterest income to average assets | 0.2825% | 5,586 |
| Noninterest expense to average assets | 2.6976% | 4,737 |
| Loan and lease loss provision to assets | 0.3070% | 3,077 |
| Net operating income to assets | 1.1188% | 1,907 |
| Return on assets (ROA) | 1.1188% | 2,046 |
| Pretax return on assets | 1.6502% | 1,257 |
| Return on Equity (ROE) | 9.7244% | 2,307 |
| Retained earnings to average equity (ytd only) | 7.1980% | 1,866 |
| Net charge-offs to loans | 0.0079% | 6,054 |
| Credit loss provision to net charge-offs | 5,016.6667% | 62 |
| Earnings coverage of net charge-offs (x) | 319.8250% | 116 |
| Efficiency ratio | 57.9535% | 6,016 |
| Assets per employee ($millions) | 3.7332% | 4,450 |
| Cash dividends to net income (ytd only)* | 25.9799% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 6,264 |
| Loan loss allowance to noncurrent loans | 37.4911% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 3.1273% | 2,045 |
| Noncurrent loans to loans | 2.6712% | 2,610 |
| Net loans and leases to total assets | 77.5996% | 757 |
| Net loans and leases to deposits | 91.9414% | 1,015 |
| Net loans and leases to core deposits | 99.0785% | 1,328 |
| Total domestic deposits to total assets | 84.4012% | 4,053 |
| Equity capital to assets | 11.5272% | 2,653 |
| Core capital (leverage) ratio | 11.4263% | 2,082 |
| Tier 1 risk-based capital ratio | 13.1505% | 4,989 |
| Total risk-based capital ratio | 14.0651% | 5,223 |
| Memoranda: | ||
| Average total assets | $130,729,500 | 4,188 |
| Average earning assets | $123,106,750 | 4,097 |
| Average equity | $15,040,750 | 3,912 |
| Average total loans | $101,113,250 | 3,621 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7426% | 810 |
| Cost of funding earning assets | 1.1423% | 2,955 |
| Net interest margin | 4.6003% | 907 |
| Noninterest income to average assets | 0.2826% | 5,625 |
| Noninterest expense to average assets | 2.6500% | 5,006 |
| Loan and lease loss provision to assets | 0.3258% | 2,834 |
| Net operating income to assets | 1.0702% | 1,971 |
| Return on assets (ROA) | 1.0702% | 2,057 |
| Pretax return on assets | 1.6540% | 1,150 |
| Return on Equity (ROE) | 9.3081% | 2,378 |
| Retained earnings to average equity (ytd only) | 5.4801% | 2,698 |
| Net charge-offs to loans | -0.0040% | 6,566 |
| Credit loss provision to net charge-offs | -10,550.0000% | 6,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2382% | 6,263 |
| Assets per employee ($millions) | 3.5603% | 4,781 |
| Cash dividends to net income (ytd only)* | 41.1255% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9435% | 6,536 |
| Loan loss allowance to noncurrent loans | 44.8961% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 2.8025% | 2,394 |
| Noncurrent loans to loans | 2.1014% | 3,351 |
| Net loans and leases to total assets | 79.6246% | 565 |
| Net loans and leases to deposits | 94.6373% | 827 |
| Net loans and leases to core deposits | 100.7961% | 1,271 |
| Total domestic deposits to total assets | 84.1366% | 4,289 |
| Equity capital to assets | 11.7556% | 2,280 |
| Core capital (leverage) ratio | 11.5370% | 1,892 |
| Tier 1 risk-based capital ratio | 13.3644% | 4,635 |
| Total risk-based capital ratio | 14.2442% | 4,899 |
| Memoranda: | ||
| Average total assets | $129,507,670 | 4,240 |
| Average earning assets | $122,382,670 | 4,139 |
| Average equity | $14,890,330 | 3,926 |
| Average total loans | $99,702,670 | 3,693 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6344% | 1,000 |
| Cost of funding earning assets | 1.1723% | 3,000 |
| Net interest margin | 4.4621% | 1,148 |
| Noninterest income to average assets | 0.2796% | 5,671 |
| Noninterest expense to average assets | 2.5258% | 5,464 |
| Loan and lease loss provision to assets | 0.2765% | 2,944 |
| Net operating income to assets | 1.2168% | 1,482 |
| Return on assets (ROA) | 1.2168% | 1,536 |
| Pretax return on assets | 1.6992% | 984 |
| Return on Equity (ROE) | 10.7013% | 1,833 |
| Retained earnings to average equity (ytd only) | 10.7013% | 953 |
| Net charge-offs to loans | 0.1061% | 3,897 |
| Credit loss provision to net charge-offs | 346.1538% | 944 |
| Earnings coverage of net charge-offs (x) | 24.7308% | 980 |
| Efficiency ratio | 56.1092% | 6,490 |
| Assets per employee ($millions) | 3.8886% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8313% | 6,859 |
| Loan loss allowance to noncurrent loans | 33.2660% | 6,082 |
| Noncurrent assets plus other real estate owned to assets | 2.2443% | 3,010 |
| Noncurrent loans to loans | 2.4991% | 2,985 |
| Net loans and leases to total assets | 76.5042% | 959 |
| Net loans and leases to deposits | 90.6651% | 1,163 |
| Net loans and leases to core deposits | 95.5000% | 1,712 |
| Total domestic deposits to total assets | 84.3811% | 4,333 |
| Equity capital to assets | 11.6984% | 2,124 |
| Core capital (leverage) ratio | 11.3610% | 1,923 |
| Tier 1 risk-based capital ratio | 13.7487% | 4,245 |
| Total risk-based capital ratio | 14.5156% | 4,586 |
| Memoranda: | ||
| Average total assets | $130,177,000 | 4,256 |
| Average earning assets | $123,171,500 | 4,156 |
| Average equity | $14,802,000 | 3,936 |
| Average total loans | $98,041,000 | 3,772 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9037% | 1,036 |
| Cost of funding earning assets | 1.5278% | 2,492 |
| Net interest margin | 4.3758% | 1,571 |
| Noninterest income to average assets | 0.3340% | 5,396 |
| Noninterest expense to average assets | 2.5129% | 5,742 |
| Loan and lease loss provision to assets | 0.3276% | 4,189 |
| Net operating income to assets | 1.0377% | 1,917 |
| Return on assets (ROA) | 1.0377% | 2,022 |
| Pretax return on assets | 1.5844% | 1,161 |
| Return on Equity (ROE) | 8.9510% | 2,312 |
| Retained earnings to average equity (ytd only) | 4.9743% | 2,420 |
| Net charge-offs to loans | 0.3134% | 4,454 |
| Credit loss provision to net charge-offs | 139.6552% | 2,718 |
| Earnings coverage of net charge-offs (x) | 8.1517% | 2,007 |
| Efficiency ratio | 56.7903% | 6,492 |
| Assets per employee ($millions) | 4.0009% | 3,783 |
| Cash dividends to net income (ytd only)* | 44.4271% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7818% | 7,010 |
| Loan loss allowance to noncurrent loans | 28.5231% | 6,381 |
| Noncurrent assets plus other real estate owned to assets | 2.2533% | 3,023 |
| Noncurrent loans to loans | 2.7409% | 2,777 |
| Net loans and leases to total assets | 72.9582% | 1,886 |
| Net loans and leases to deposits | 85.8436% | 2,134 |
| Net loans and leases to core deposits | 90.3274% | 2,723 |
| Total domestic deposits to total assets | 84.9897% | 3,850 |
| Equity capital to assets | 11.0521% | 2,640 |
| Core capital (leverage) ratio | 11.0675% | 2,109 |
| Tier 1 risk-based capital ratio | 13.2638% | 4,404 |
| Total risk-based capital ratio | 13.9650% | 4,825 |
| Memoranda: | ||
| Average total assets | $123,640,200 | 4,409 |
| Average earning assets | $115,589,000 | 4,329 |
| Average equity | $14,333,600 | 4,063 |
| Average total loans | $92,523,000 | 3,990 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9160% | 1,098 |
| Cost of funding earning assets | 1.5975% | 2,401 |
| Net interest margin | 4.3185% | 1,782 |
| Noninterest income to average assets | 0.3181% | 5,608 |
| Noninterest expense to average assets | 2.4956% | 5,726 |
| Loan and lease loss provision to assets | 0.3346% | 3,926 |
| Net operating income to assets | 0.9939% | 2,254 |
| Return on assets (ROA) | 0.9939% | 2,372 |
| Pretax return on assets | 1.5149% | 1,573 |
| Return on Equity (ROE) | 8.4657% | 2,704 |
| Retained earnings to average equity (ytd only) | 5.8026% | 2,475 |
| Net charge-offs to loans | 0.1926% | 4,795 |
| Credit loss provision to net charge-offs | 231.0606% | 1,482 |
| Earnings coverage of net charge-offs (x) | 12.7724% | 1,651 |
| Efficiency ratio | 57.4350% | 6,355 |
| Assets per employee ($millions) | 3.8749% | 4,089 |
| Cash dividends to net income (ytd only)* | 31.4569% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8385% | 6,921 |
| Loan loss allowance to noncurrent loans | 30.0183% | 6,326 |
| Noncurrent assets plus other real estate owned to assets | 2.7293% | 2,655 |
| Noncurrent loans to loans | 2.7933% | 2,855 |
| Net loans and leases to total assets | 75.6508% | 1,468 |
| Net loans and leases to deposits | 92.2508% | 1,414 |
| Net loans and leases to core deposits | 97.2681% | 2,124 |
| Total domestic deposits to total assets | 82.0056% | 4,987 |
| Equity capital to assets | 11.4520% | 2,573 |
| Core capital (leverage) ratio | 11.2433% | 2,104 |
| Tier 1 risk-based capital ratio | 13.1352% | 4,468 |
| Total risk-based capital ratio | 13.8885% | 4,847 |
| Memoranda: | ||
| Average total assets | $121,543,000 | 4,516 |
| Average earning assets | $113,339,000 | 4,450 |
| Average equity | $14,269,000 | 4,143 |
| Average total loans | $91,382,500 | 4,084 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9182% | 1,140 |
| Cost of funding earning assets | 1.6044% | 2,628 |
| Net interest margin | 4.3138% | 1,725 |
| Noninterest income to average assets | 0.3031% | 5,732 |
| Noninterest expense to average assets | 2.5001% | 5,719 |
| Loan and lease loss provision to assets | 0.3433% | 3,669 |
| Net operating income to assets | 0.9411% | 2,399 |
| Return on assets (ROA) | 0.9411% | 2,490 |
| Pretax return on assets | 1.4803% | 1,611 |
| Return on Equity (ROE) | 7.9468% | 2,903 |
| Retained earnings to average equity (ytd only) | 3.9169% | 3,594 |
| Net charge-offs to loans | 0.2709% | 3,987 |
| Credit loss provision to net charge-offs | 169.4215% | 2,310 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,065 |
| Efficiency ratio | 57.8234% | 6,398 |
| Assets per employee ($millions) | 3.6494% | 4,589 |
| Cash dividends to net income (ytd only)* | 50.7117% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7744% | 7,089 |
| Loan loss allowance to noncurrent loans | 31.3144% | 6,278 |
| Noncurrent assets plus other real estate owned to assets | 2.5683% | 2,824 |
| Noncurrent loans to loans | 2.4731% | 3,177 |
| Net loans and leases to total assets | 77.5594% | 1,185 |
| Net loans and leases to deposits | 95.6215% | 1,081 |
| Net loans and leases to core deposits | 100.7388% | 1,940 |
| Total domestic deposits to total assets | 81.1109% | 5,367 |
| Equity capital to assets | 11.8319% | 2,197 |
| Core capital (leverage) ratio | 11.7443% | 1,782 |
| Tier 1 risk-based capital ratio | 13.4119% | 4,130 |
| Total risk-based capital ratio | 14.1142% | 4,512 |
| Memoranda: | ||
| Average total assets | $119,433,000 | 4,577 |
| Average earning assets | $111,317,330 | 4,525 |
| Average equity | $14,144,000 | 4,168 |
| Average total loans | $89,325,000 | 4,165 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0270% | 925 |
| Cost of funding earning assets | 1.6315% | 2,764 |
| Net interest margin | 4.3954% | 1,404 |
| Noninterest income to average assets | 0.2623% | 6,054 |
| Noninterest expense to average assets | 2.4888% | 5,768 |
| Loan and lease loss provision to assets | 0.3363% | 3,373 |
| Net operating income to assets | 0.9013% | 2,537 |
| Return on assets (ROA) | 0.9013% | 2,610 |
| Pretax return on assets | 1.5235% | 1,458 |
| Return on Equity (ROE) | 7.6074% | 3,068 |
| Retained earnings to average equity (ytd only) | 7.6074% | 1,878 |
| Net charge-offs to loans | -0.0184% | 7,056 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2312% | 6,599 |
| Assets per employee ($millions) | 3.5670% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8429% | 7,019 |
| Loan loss allowance to noncurrent loans | 82.3982% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 1.4221% | 4,377 |
| Noncurrent loans to loans | 1.0229% | 5,289 |
| Net loans and leases to total assets | 74.8586% | 1,774 |
| Net loans and leases to deposits | 91.5225% | 1,678 |
| Net loans and leases to core deposits | 96.2427% | 2,558 |
| Total domestic deposits to total assets | 81.7925% | 5,161 |
| Equity capital to assets | 12.0720% | 2,003 |
| Core capital (leverage) ratio | 11.8298% | 1,732 |
| Tier 1 risk-based capital ratio | 13.9774% | 3,665 |
| Total risk-based capital ratio | 14.7299% | 3,965 |
| Memoranda: | ||
| Average total assets | $118,935,000 | 4,658 |
| Average earning assets | $110,570,000 | 4,596 |
| Average equity | $14,091,500 | 4,223 |
| Average total loans | $86,921,000 | 4,290 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4329% | 770 |
| Cost of funding earning assets | 1.8832% | 3,546 |
| Net interest margin | 4.5497% | 1,076 |
| Noninterest income to average assets | 0.3955% | 5,235 |
| Noninterest expense to average assets | 2.7715% | 5,084 |
| Loan and lease loss provision to assets | 0.2680% | 5,269 |
| Net operating income to assets | 1.1700% | 1,330 |
| Return on assets (ROA) | 1.1700% | 1,370 |
| Pretax return on assets | 1.5646% | 1,041 |
| Return on Equity (ROE) | 9.1489% | 1,977 |
| Retained earnings to average equity (ytd only) | 4.1697% | 2,298 |
| Net charge-offs to loans | 0.1396% | 5,824 |
| Credit loss provision to net charge-offs | 268.5185% | 1,299 |
| Earnings coverage of net charge-offs (x) | 18.3611% | 1,129 |
| Efficiency ratio | 60.1967% | 6,463 |
| Assets per employee ($millions) | 3.6412% | 4,667 |
| Cash dividends to net income (ytd only)* | 54.4234% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7590% | 7,236 |
| Loan loss allowance to noncurrent loans | 75.6155% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.4439% | 4,248 |
| Noncurrent loans to loans | 1.0038% | 5,312 |
| Net loans and leases to total assets | 70.1831% | 3,211 |
| Net loans and leases to deposits | 85.3286% | 3,021 |
| Net loans and leases to core deposits | 104.0506% | 3,573 |
| Total domestic deposits to total assets | 82.2503% | 4,839 |
| Equity capital to assets | 11.6287% | 2,226 |
| Core capital (leverage) ratio | 11.8790% | 1,718 |
| Tier 1 risk-based capital ratio | 11.3451% | 5,573 |
| Total risk-based capital ratio | 11.8815% | 6,242 |
| Memoranda: | ||
| Average total assets | $108,208,400 | 4,871 |
| Average earning assets | $100,095,000 | 4,844 |
| Average equity | $13,837,800 | 4,303 |
| Average total loans | $77,351,400 | 4,609 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5858% | 632 |
| Cost of funding earning assets | 1.9401% | 3,665 |
| Net interest margin | 4.6457% | 914 |
| Noninterest income to average assets | 0.4866% | 4,608 |
| Noninterest expense to average assets | 2.6965% | 5,342 |
| Loan and lease loss provision to assets | 0.3675% | 4,115 |
| Net operating income to assets | 1.3166% | 1,184 |
| Return on assets (ROA) | 1.3166% | 1,255 |
| Pretax return on assets | 1.7221% | 926 |
| Return on Equity (ROE) | 10.0355% | 1,898 |
| Retained earnings to average equity (ytd only) | 6.7032% | 1,633 |
| Net charge-offs to loans | 0.1149% | 5,531 |
| Credit loss provision to net charge-offs | 446.1538% | 885 |
| Earnings coverage of net charge-offs (x) | 25.3705% | 1,056 |
| Efficiency ratio | 56.3410% | 6,953 |
| Assets per employee ($millions) | 3.2555% | 5,503 |
| Cash dividends to net income (ytd only)* | 33.2051% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8307% | 7,023 |
| Loan loss allowance to noncurrent loans | 110.9855% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 1.4184% | 4,267 |
| Noncurrent loans to loans | 0.7485% | 5,809 |
| Net loans and leases to total assets | 74.0920% | 2,492 |
| Net loans and leases to deposits | 92.2415% | 2,197 |
| Net loans and leases to core deposits | 112.2086% | 3,002 |
| Total domestic deposits to total assets | 80.3240% | 5,319 |
| Equity capital to assets | 12.8767% | 1,745 |
| Core capital (leverage) ratio | 12.8925% | 1,412 |
| Tier 1 risk-based capital ratio | 12.5330% | 4,516 |
| Total risk-based capital ratio | 13.1536% | 4,998 |
| Memoranda: | ||
| Average total assets | $105,220,500 | 4,983 |
| Average earning assets | $97,378,750 | 4,945 |
| Average equity | $13,804,000 | 4,333 |
| Average total loans | $75,445,000 | 4,720 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5884% | 673 |
| Cost of funding earning assets | 1.9946% | 3,806 |
| Net interest margin | 4.5937% | 967 |
| Noninterest income to average assets | 0.4081% | 5,212 |
| Noninterest expense to average assets | 2.7757% | 5,062 |
| Loan and lease loss provision to assets | 0.2708% | 4,411 |
| Net operating income to assets | 1.2747% | 1,293 |
| Return on assets (ROA) | 1.2747% | 1,375 |
| Pretax return on assets | 1.6248% | 1,156 |
| Return on Equity (ROE) | 9.6526% | 2,150 |
| Retained earnings to average equity (ytd only) | 4.7457% | 2,663 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4203% | 6,631 |
| Assets per employee ($millions) | 3.0743% | 5,934 |
| Cash dividends to net income (ytd only)* | 50.8346% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7703% | 7,252 |
| Loan loss allowance to noncurrent loans | 255.5085% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 1.2877% | 4,365 |
| Noncurrent loans to loans | 0.3015% | 6,762 |
| Net loans and leases to total assets | 74.3119% | 2,621 |
| Net loans and leases to deposits | 96.0932% | 1,779 |
| Net loans and leases to core deposits | 112.6425% | 3,060 |
| Total domestic deposits to total assets | 77.3331% | 6,244 |
| Equity capital to assets | 13.1660% | 1,627 |
| Core capital (leverage) ratio | 13.0798% | 1,403 |
| Tier 1 risk-based capital ratio | 12.9042% | 4,211 |
| Total risk-based capital ratio | 13.4804% | 4,646 |
| Memoranda: | ||
| Average total assets | $103,398,000 | 5,065 |
| Average earning assets | $95,957,000 | 5,006 |
| Average equity | $13,654,330 | 4,383 |
| Average total loans | $73,027,330 | 4,839 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5439% | 794 |
| Cost of funding earning assets | 2.0541% | 3,850 |
| Net interest margin | 4.4897% | 1,147 |
| Noninterest income to average assets | 0.3267% | 5,839 |
| Noninterest expense to average assets | 2.8201% | 4,482 |
| Loan and lease loss provision to assets | 0.2528% | 3,949 |
| Net operating income to assets | 1.0152% | 2,245 |
| Return on assets (ROA) | 1.0152% | 2,388 |
| Pretax return on assets | 1.4198% | 1,912 |
| Return on Equity (ROE) | 7.6762% | 3,299 |
| Retained earnings to average equity (ytd only) | 7.6762% | 1,944 |
| Net charge-offs to loans | -0.0057% | 7,193 |
| Credit loss provision to net charge-offs | -6,500.0000% | 6,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7706% | 5,913 |
| Assets per employee ($millions) | 3.0177% | 6,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7321% | 7,355 |
| Loan loss allowance to noncurrent loans | 72.9282% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.7875% | 3,242 |
| Noncurrent loans to loans | 1.0039% | 4,988 |
| Net loans and leases to total assets | 69.7767% | 3,726 |
| Net loans and leases to deposits | 87.6656% | 3,345 |
| Net loans and leases to core deposits | 102.1488% | 4,331 |
| Total domestic deposits to total assets | 79.5942% | 5,508 |
| Equity capital to assets | 13.3846% | 1,579 |
| Core capital (leverage) ratio | 13.0779% | 1,457 |
| Tier 1 risk-based capital ratio | 13.1014% | 4,119 |
| Total risk-based capital ratio | 13.6160% | 4,570 |
| Memoranda: | ||
| Average total assets | $102,833,500 | 5,101 |
| Average earning assets | $95,417,500 | 5,042 |
| Average equity | $13,600,500 | 4,424 |
| Average total loans | $70,401,500 | 4,971 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0669% | 975 |
| Cost of funding earning assets | 2.4555% | 4,444 |
| Net interest margin | 4.6114% | 1,146 |
| Noninterest income to average assets | 0.3638% | 5,806 |
| Noninterest expense to average assets | 2.7395% | 5,092 |
| Loan and lease loss provision to assets | 0.1220% | 5,796 |
| Net operating income to assets | 1.3130% | 1,449 |
| Return on assets (ROA) | 1.3130% | 1,405 |
| Pretax return on assets | 1.7150% | 1,116 |
| Return on Equity (ROE) | 9.4585% | 2,452 |
| Retained earnings to average equity (ytd only) | 5.2717% | 1,874 |
| Net charge-offs to loans | 0.0902% | 5,452 |
| Credit loss provision to net charge-offs | 209.0909% | 2,311 |
| Earnings coverage of net charge-offs (x) | 31.4909% | 1,132 |
| Efficiency ratio | 59.8610% | 6,372 |
| Assets per employee ($millions) | 3.0313% | 5,981 |
| Cash dividends to net income (ytd only)* | 44.2649% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6727% | 7,495 |
| Loan loss allowance to noncurrent loans | 58.8535% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 1.8047% | 2,722 |
| Noncurrent loans to loans | 1.1429% | 4,259 |
| Net loans and leases to total assets | 66.1919% | 4,809 |
| Net loans and leases to deposits | 82.8506% | 4,596 |
| Net loans and leases to core deposits | 95.1969% | 5,330 |
| Total domestic deposits to total assets | 79.8931% | 5,060 |
| Equity capital to assets | 13.0676% | 1,757 |
| Core capital (leverage) ratio | 13.1866% | 1,480 |
| Tier 1 risk-based capital ratio | 12.7913% | 4,228 |
| Total risk-based capital ratio | 13.2396% | 4,719 |
| Memoranda: | ||
| Average total assets | $94,287,600 | 5,220 |
| Average earning assets | $86,133,600 | 5,228 |
| Average equity | $13,088,800 | 4,544 |
| Average total loans | $60,947,000 | 5,221 |