Home > Northern Michigan Bank & Trust > Performance and Condition Ratios
Northern Michigan Bank & Trust, Performance and Condition Ratios
| 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 | 4.6819% | 1,180 |
| Cost of funding earning assets | 0.2816% | 4,299 |
| Net interest margin | 4.4002% | 731 |
| Noninterest income to average assets | 1.2000% | 722 |
| Noninterest expense to average assets | 3.5911% | 882 |
| Loan and lease loss provision to assets | 0.2591% | 654 |
| Net operating income to assets | 1.0005% | 2,548 |
| Return on assets (ROA) | 1.0005% | 2,602 |
| Pretax return on assets | 1.0005% | 3,693 |
| Return on Equity (ROE) | 7.4228% | 3,429 |
| Retained earnings to average equity (ytd only) | 4.5398% | 3,195 |
| Net charge-offs to loans | 0.0573% | 2,317 |
| Credit loss provision to net charge-offs | 684.9315% | 487 |
| Earnings coverage of net charge-offs (x) | 33.3017% | 1,468 |
| Efficiency ratio | 70.7755% | 2,402 |
| Assets per employee ($millions) | 3.5375% | 4,674 |
| Cash dividends to net income (ytd only)* | 38.8402% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5079% | 5,455 |
| Loan loss allowance to noncurrent loans | 22.8344% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 1.7465% | 809 |
| Noncurrent loans to loans | 2.2243% | 732 |
| Net loans and leases to total assets | 66.6738% | 3,017 |
| Net loans and leases to deposits | 78.3020% | 3,133 |
| Net loans and leases to core deposits | 83.7103% | 3,152 |
| Total domestic deposits to total assets | 85.1495% | 2,660 |
| Equity capital to assets | 13.5165% | 1,151 |
| Core capital (leverage) ratio | 9.5323% | 4,121 |
| Tier 1 risk-based capital ratio | 12.7010% | 4,203 |
| Total risk-based capital ratio | 13.1865% | 4,548 |
| Memoranda: | ||
| Average total assets | $257,332,500 | 2,453 |
| Average earning assets | $213,499,500 | 2,652 |
| Average equity | $34,685,000 | 2,111 |
| Average total loans | $169,806,500 | 2,441 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6474% | 1,159 |
| Cost of funding earning assets | 0.2543% | 4,502 |
| Net interest margin | 4.3930% | 714 |
| Noninterest income to average assets | 1.2703% | 643 |
| Noninterest expense to average assets | 3.6537% | 814 |
| Loan and lease loss provision to assets | 0.2970% | 522 |
| Net operating income to assets | 0.9380% | 2,731 |
| Return on assets (ROA) | 0.9380% | 2,788 |
| Pretax return on assets | 0.9380% | 3,802 |
| Return on Equity (ROE) | 6.9661% | 3,570 |
| Retained earnings to average equity (ytd only) | 5.0795% | 2,661 |
| Net charge-offs to loans | 0.0679% | 1,957 |
| Credit loss provision to net charge-offs | 666.6667% | 519 |
| Earnings coverage of net charge-offs (x) | 27.7193% | 1,531 |
| Efficiency ratio | 71.4743% | 2,445 |
| Assets per employee ($millions) | 3.6390% | 4,522 |
| Cash dividends to net income (ytd only)* | 27.0833% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4603% | 5,556 |
| Loan loss allowance to noncurrent loans | 26.7323% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 1.3305% | 1,219 |
| Noncurrent loans to loans | 1.7218% | 1,054 |
| Net loans and leases to total assets | 64.9606% | 3,260 |
| Net loans and leases to deposits | 76.1205% | 3,328 |
| Net loans and leases to core deposits | 80.8110% | 3,362 |
| Total domestic deposits to total assets | 85.3392% | 2,678 |
| Equity capital to assets | 13.3681% | 1,201 |
| Core capital (leverage) ratio | 9.6522% | 3,961 |
| Tier 1 risk-based capital ratio | 12.6221% | 4,230 |
| Total risk-based capital ratio | 13.0555% | 4,647 |
| Memoranda: | ||
| Average total assets | $255,851,330 | 2,480 |
| Average earning assets | $210,742,000 | 2,692 |
| Average equity | $34,452,330 | 2,117 |
| Average total loans | $167,933,000 | 2,465 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5309% | 1,298 |
| Cost of funding earning assets | 0.1717% | 5,223 |
| Net interest margin | 4.3592% | 689 |
| Noninterest income to average assets | 1.4701% | 500 |
| Noninterest expense to average assets | 3.7662% | 705 |
| Loan and lease loss provision to assets | 0.4114% | 268 |
| Net operating income to assets | 0.9083% | 2,720 |
| Return on assets (ROA) | 0.9083% | 2,772 |
| Pretax return on assets | 0.9083% | 3,736 |
| Return on Equity (ROE) | 6.7201% | 3,535 |
| Retained earnings to average equity (ytd only) | 6.7201% | 1,965 |
| Net charge-offs to loans | 0.0793% | 1,542 |
| Credit loss provision to net charge-offs | 787.8788% | 401 |
| Earnings coverage of net charge-offs (x) | 25.2727% | 1,336 |
| Efficiency ratio | 70.8774% | 2,764 |
| Assets per employee ($millions) | 3.6069% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4133% | 5,677 |
| Loan loss allowance to noncurrent loans | 28.5301% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 1.1739% | 1,500 |
| Noncurrent loans to loans | 1.4486% | 1,390 |
| Net loans and leases to total assets | 65.9486% | 2,981 |
| Net loans and leases to deposits | 77.5153% | 3,028 |
| Net loans and leases to core deposits | 82.3230% | 3,063 |
| Total domestic deposits to total assets | 85.0782% | 3,056 |
| Equity capital to assets | 13.6865% | 1,011 |
| Core capital (leverage) ratio | 9.6028% | 3,995 |
| Tier 1 risk-based capital ratio | 12.0090% | 4,711 |
| Total risk-based capital ratio | 12.3772% | 5,138 |
| Memoranda: | ||
| Average total assets | $252,774,500 | 2,521 |
| Average earning assets | $209,673,500 | 2,725 |
| Average equity | $34,166,000 | 2,136 |
| Average total loans | $166,406,000 | 2,500 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8850% | 3,628 |
| Cost of funding earning assets | 0.0987% | 5,710 |
| Net interest margin | 3.7864% | 2,366 |
| Noninterest income to average assets | 0.9103% | 1,378 |
| Noninterest expense to average assets | 2.9901% | 2,381 |
| Loan and lease loss provision to assets | 0.2472% | 851 |
| Net operating income to assets | 0.9326% | 2,667 |
| Return on assets (ROA) | 0.9326% | 2,776 |
| Pretax return on assets | 0.9326% | 3,721 |
| Return on Equity (ROE) | 7.5287% | 3,204 |
| Retained earnings to average equity (ytd only) | 6.3217% | 1,553 |
| Net charge-offs to loans | 0.2157% | 1,282 |
| Credit loss provision to net charge-offs | 172.2222% | 1,614 |
| Earnings coverage of net charge-offs (x) | 8.2194% | 2,899 |
| Efficiency ratio | 68.4643% | 3,166 |
| Assets per employee ($millions) | 3.3298% | 5,001 |
| Cash dividends to net income (ytd only)* | 16.0325% | 3,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2802% | 5,806 |
| Loan loss allowance to noncurrent loans | 17.5227% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 1.7742% | 839 |
| Noncurrent loans to loans | 1.5989% | 1,231 |
| Net loans and leases to total assets | 65.2589% | 3,184 |
| Net loans and leases to deposits | 76.4673% | 3,265 |
| Net loans and leases to core deposits | 81.2065% | 3,293 |
| Total domestic deposits to total assets | 85.3422% | 2,905 |
| Equity capital to assets | 13.3467% | 1,113 |
| Core capital (leverage) ratio | 9.5455% | 4,025 |
| Tier 1 risk-based capital ratio | 12.1732% | 4,599 |
| Total risk-based capital ratio | 12.4228% | 5,131 |
| Memoranda: | ||
| Average total assets | $250,798,200 | 2,501 |
| Average earning assets | $215,905,600 | 2,643 |
| Average equity | $31,067,600 | 2,288 |
| Average total loans | $166,901,400 | 2,445 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6464% | 4,417 |
| Cost of funding earning assets | 0.0956% | 5,787 |
| Net interest margin | 3.5508% | 3,266 |
| Noninterest income to average assets | 0.8371% | 1,617 |
| Noninterest expense to average assets | 2.7547% | 3,161 |
| Loan and lease loss provision to assets | 0.2344% | 835 |
| Net operating income to assets | 0.9367% | 2,720 |
| Return on assets (ROA) | 0.9367% | 2,847 |
| Pretax return on assets | 0.9367% | 3,857 |
| Return on Equity (ROE) | 7.7127% | 3,180 |
| Retained earnings to average equity (ytd only) | 6.0675% | 2,150 |
| Net charge-offs to loans | 0.2591% | 904 |
| Credit loss provision to net charge-offs | 135.3846% | 1,918 |
| Earnings coverage of net charge-offs (x) | 6.7631% | 2,968 |
| Efficiency ratio | 66.9517% | 3,434 |
| Assets per employee ($millions) | 3.5878% | 4,660 |
| Cash dividends to net income (ytd only)* | 21.3312% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2044% | 5,890 |
| Loan loss allowance to noncurrent loans | 6.0638% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 2.6738% | 484 |
| Noncurrent loans to loans | 3.3705% | 400 |
| Net loans and leases to total assets | 66.4925% | 3,043 |
| Net loans and leases to deposits | 78.1739% | 3,167 |
| Net loans and leases to core deposits | 83.1604% | 3,201 |
| Total domestic deposits to total assets | 85.0572% | 2,778 |
| Equity capital to assets | 13.5484% | 1,227 |
| Core capital (leverage) ratio | 9.1906% | 4,606 |
| Tier 1 risk-based capital ratio | 11.2967% | 5,201 |
| Total risk-based capital ratio | 11.4724% | 5,666 |
| Memoranda: | ||
| Average total assets | $250,231,250 | 2,510 |
| Average earning assets | $217,670,750 | 2,629 |
| Average equity | $30,390,500 | 2,342 |
| Average total loans | $167,223,750 | 2,445 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4569% | 1,647 |
| Cost of funding earning assets | 0.2109% | 5,032 |
| Net interest margin | 4.2460% | 1,024 |
| Noninterest income to average assets | 1.1348% | 872 |
| Noninterest expense to average assets | 3.5597% | 1,069 |
| Loan and lease loss provision to assets | 0.4586% | 306 |
| Net operating income to assets | 0.8379% | 3,138 |
| Return on assets (ROA) | 0.8315% | 3,303 |
| Pretax return on assets | 0.8315% | 4,186 |
| Return on Equity (ROE) | 7.1264% | 3,471 |
| Retained earnings to average equity (ytd only) | 4.5543% | 3,014 |
| Net charge-offs to loans | 0.2656% | 906 |
| Credit loss provision to net charge-offs | 258.1081% | 1,073 |
| Earnings coverage of net charge-offs (x) | 7.2973% | 2,636 |
| Efficiency ratio | 71.0613% | 2,809 |
| Assets per employee ($millions) | 3.7135% | 4,421 |
| Cash dividends to net income (ytd only)* | 36.0924% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1441% | 5,986 |
| Loan loss allowance to noncurrent loans | 6.0870% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 2.1103% | 758 |
| Noncurrent loans to loans | 2.3678% | 760 |
| Net loans and leases to total assets | 67.2194% | 2,910 |
| Net loans and leases to deposits | 78.7223% | 3,084 |
| Net loans and leases to core deposits | 83.8683% | 3,096 |
| Total domestic deposits to total assets | 85.3880% | 2,693 |
| Equity capital to assets | 13.2525% | 1,352 |
| Core capital (leverage) ratio | 8.8098% | 5,043 |
| Tier 1 risk-based capital ratio | 11.0213% | 5,412 |
| Total risk-based capital ratio | 11.1490% | 5,834 |
| Memoranda: | ||
| Average total assets | $249,907,670 | 2,531 |
| Average earning assets | $219,029,330 | 2,626 |
| Average equity | $29,159,330 | 2,435 |
| Average total loans | $167,187,000 | 2,447 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2070% | 2,445 |
| Cost of funding earning assets | 0.3648% | 3,454 |
| Net interest margin | 3.8422% | 2,137 |
| Noninterest income to average assets | 1.1736% | 798 |
| Noninterest expense to average assets | 3.5983% | 1,020 |
| Loan and lease loss provision to assets | 0.6148% | 175 |
| Net operating income to assets | 0.4500% | 4,831 |
| Return on assets (ROA) | 0.4368% | 4,954 |
| Pretax return on assets | 0.4368% | 5,232 |
| Return on Equity (ROE) | 4.9130% | 4,521 |
| Retained earnings to average equity (ytd only) | 4.9130% | 2,993 |
| Net charge-offs to loans | 0.0238% | 2,459 |
| Credit loss provision to net charge-offs | 3,730.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 64.6000% | 738 |
| Efficiency ratio | 77.1651% | 2,014 |
| Assets per employee ($millions) | 3.6107% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8558% | 1,040 |
| Loan loss allowance to noncurrent loans | 80.4238% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 2.1578% | 775 |
| Noncurrent loans to loans | 2.3075% | 866 |
| Net loans and leases to total assets | 69.6914% | 2,393 |
| Net loans and leases to deposits | 77.5639% | 3,048 |
| Net loans and leases to core deposits | 83.2150% | 3,017 |
| Total domestic deposits to total assets | 89.8503% | 656 |
| Equity capital to assets | 9.0576% | 5,116 |
| Core capital (leverage) ratio | 8.7355% | 5,143 |
| Tier 1 risk-based capital ratio | 11.2859% | 5,353 |
| Total risk-based capital ratio | 12.5416% | 5,252 |
| Memoranda: | ||
| Average total assets | $242,669,500 | 2,599 |
| Average earning assets | $220,395,000 | 2,616 |
| Average equity | $21,575,500 | 3,056 |
| Average total loans | $168,351,000 | 2,419 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2548% | 2,373 |
| Cost of funding earning assets | 0.4180% | 2,965 |
| Net interest margin | 3.8369% | 2,249 |
| Noninterest income to average assets | 1.0970% | 977 |
| Noninterest expense to average assets | 3.6321% | 1,067 |
| Loan and lease loss provision to assets | 0.1470% | 1,602 |
| Net operating income to assets | 0.7357% | 3,643 |
| Return on assets (ROA) | 0.7418% | 3,710 |
| Pretax return on assets | 0.7418% | 4,395 |
| Return on Equity (ROE) | 8.8114% | 2,556 |
| Retained earnings to average equity (ytd only) | 7.3645% | 1,141 |
| Net charge-offs to loans | 0.4799% | 559 |
| Credit loss provision to net charge-offs | 47.0130% | 3,450 |
| Earnings coverage of net charge-offs (x) | 2.8234% | 3,818 |
| Efficiency ratio | 80.4496% | 1,614 |
| Assets per employee ($millions) | 3.3345% | 5,093 |
| Cash dividends to net income (ytd only)* | 16.4204% | 3,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7130% | 1,327 |
| Loan loss allowance to noncurrent loans | 85.1417% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.8988% | 963 |
| Noncurrent loans to loans | 2.0119% | 1,032 |
| Net loans and leases to total assets | 66.5896% | 2,898 |
| Net loans and leases to deposits | 73.8502% | 3,509 |
| Net loans and leases to core deposits | 79.2840% | 3,417 |
| Total domestic deposits to total assets | 90.1685% | 560 |
| Equity capital to assets | 8.7252% | 5,367 |
| Core capital (leverage) ratio | 8.4879% | 5,449 |
| Tier 1 risk-based capital ratio | 11.3507% | 5,346 |
| Total risk-based capital ratio | 12.6040% | 5,237 |
| Memoranda: | ||
| Average total assets | $246,301,000 | 2,535 |
| Average earning assets | $219,397,400 | 2,592 |
| Average equity | $20,734,600 | 3,102 |
| Average total loans | $160,447,600 | 2,461 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2282% | 2,494 |
| Cost of funding earning assets | 0.4296% | 2,910 |
| Net interest margin | 3.7986% | 2,392 |
| Noninterest income to average assets | 1.1124% | 976 |
| Noninterest expense to average assets | 3.6077% | 1,107 |
| Loan and lease loss provision to assets | 0.1306% | 1,724 |
| Net operating income to assets | 0.7438% | 3,712 |
| Return on assets (ROA) | 0.7438% | 3,804 |
| Pretax return on assets | 0.7438% | 4,526 |
| Return on Equity (ROE) | 8.9152% | 2,622 |
| Retained earnings to average equity (ytd only) | 7.6860% | 1,379 |
| Net charge-offs to loans | 0.6443% | 347 |
| Credit loss provision to net charge-offs | 31.4286% | 3,261 |
| Earnings coverage of net charge-offs (x) | 2.1039% | 3,731 |
| Efficiency ratio | 80.4913% | 1,583 |
| Assets per employee ($millions) | 3.2469% | 5,223 |
| Cash dividends to net income (ytd only)* | 13.7882% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6749% | 1,537 |
| Loan loss allowance to noncurrent loans | 62.4423% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 2.6306% | 630 |
| Noncurrent loans to loans | 2.6824% | 721 |
| Net loans and leases to total assets | 65.2082% | 3,129 |
| Net loans and leases to deposits | 72.4512% | 3,713 |
| Net loans and leases to core deposits | 79.1356% | 3,496 |
| Total domestic deposits to total assets | 90.0029% | 564 |
| Equity capital to assets | 8.7340% | 5,556 |
| Core capital (leverage) ratio | 8.2642% | 5,738 |
| Tier 1 risk-based capital ratio | 11.2719% | 5,505 |
| Total risk-based capital ratio | 12.5251% | 5,404 |
| Memoranda: | ||
| Average total assets | $247,021,000 | 2,550 |
| Average earning assets | $219,128,500 | 2,611 |
| Average equity | $20,608,500 | 3,137 |
| Average total loans | $159,330,000 | 2,483 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2816% | 2,231 |
| Cost of funding earning assets | 0.4404% | 2,835 |
| Net interest margin | 3.8412% | 2,168 |
| Noninterest income to average assets | 1.0814% | 1,027 |
| Noninterest expense to average assets | 3.6327% | 1,072 |
| Loan and lease loss provision to assets | 0.0983% | 2,180 |
| Net operating income to assets | 0.7309% | 3,731 |
| Return on assets (ROA) | 0.7309% | 3,845 |
| Pretax return on assets | 0.7309% | 4,557 |
| Return on Equity (ROE) | 8.8972% | 2,603 |
| Retained earnings to average equity (ytd only) | 8.8972% | 958 |
| Net charge-offs to loans | 0.8247% | 253 |
| Credit loss provision to net charge-offs | 18.6544% | 3,030 |
| Earnings coverage of net charge-offs (x) | 1.5734% | 3,488 |
| Efficiency ratio | 81.4159% | 1,571 |
| Assets per employee ($millions) | 3.2453% | 5,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6826% | 1,646 |
| Loan loss allowance to noncurrent loans | 32.8829% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 4.2531% | 296 |
| Noncurrent loans to loans | 5.1171% | 214 |
| Net loans and leases to total assets | 63.1555% | 3,392 |
| Net loans and leases to deposits | 70.7815% | 3,845 |
| Net loans and leases to core deposits | 77.9720% | 3,573 |
| Total domestic deposits to total assets | 89.2261% | 1,037 |
| Equity capital to assets | 8.2564% | 5,852 |
| Core capital (leverage) ratio | 8.1705% | 5,812 |
| Tier 1 risk-based capital ratio | 10.9279% | 5,748 |
| Total risk-based capital ratio | 12.1806% | 5,662 |
| Memoranda: | ||
| Average total assets | $248,188,000 | 2,561 |
| Average earning assets | $218,421,000 | 2,636 |
| Average equity | $20,388,330 | 3,175 |
| Average total loans | $158,606,670 | 2,495 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2316% | 2,342 |
| Cost of funding earning assets | 0.4497% | 2,771 |
| Net interest margin | 3.7819% | 2,290 |
| Noninterest income to average assets | 1.0544% | 1,012 |
| Noninterest expense to average assets | 3.6161% | 1,119 |
| Loan and lease loss provision to assets | 0.1941% | 961 |
| Net operating income to assets | 0.5903% | 4,327 |
| Return on assets (ROA) | 0.5903% | 4,424 |
| Pretax return on assets | 0.5903% | 4,939 |
| Return on Equity (ROE) | 7.2040% | 3,402 |
| Retained earnings to average equity (ytd only) | 7.2040% | 1,920 |
| Net charge-offs to loans | 0.4821% | 517 |
| Credit loss provision to net charge-offs | 63.1579% | 1,968 |
| Earnings coverage of net charge-offs (x) | 2.5526% | 2,738 |
| Efficiency ratio | 82.1757% | 1,592 |
| Assets per employee ($millions) | 3.2350% | 5,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9236% | 1,237 |
| Loan loss allowance to noncurrent loans | 33.5242% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 4.3634% | 313 |
| Noncurrent loans to loans | 5.7378% | 198 |
| Net loans and leases to total assets | 62.3276% | 3,316 |
| Net loans and leases to deposits | 69.5737% | 3,795 |
| Net loans and leases to core deposits | 76.9526% | 3,496 |
| Total domestic deposits to total assets | 89.5851% | 950 |
| Equity capital to assets | 8.3000% | 5,871 |
| Core capital (leverage) ratio | 8.0281% | 5,929 |
| Tier 1 risk-based capital ratio | 10.1195% | 6,134 |
| Total risk-based capital ratio | 11.5168% | 6,039 |
| Memoranda: | ||
| Average total assets | $247,336,500 | 2,582 |
| Average earning assets | $218,831,500 | 2,653 |
| Average equity | $20,266,500 | 3,207 |
| Average total loans | $157,649,500 | 2,518 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2855% | 2,661 |
| Cost of funding earning assets | 0.5584% | 2,147 |
| Net interest margin | 3.7271% | 2,892 |
| Noninterest income to average assets | 1.0663% | 1,071 |
| Noninterest expense to average assets | 3.7823% | 1,013 |
| Loan and lease loss provision to assets | 0.2016% | 1,257 |
| Net operating income to assets | 0.3872% | 5,259 |
| Return on assets (ROA) | 0.4741% | 5,004 |
| Pretax return on assets | 0.4741% | 5,314 |
| Return on Equity (ROE) | 5.8867% | 4,207 |
| Retained earnings to average equity (ytd only) | 3.6916% | 3,589 |
| Net charge-offs to loans | 0.0562% | 3,708 |
| Credit loss provision to net charge-offs | 533.3333% | 496 |
| Earnings coverage of net charge-offs (x) | 15.5778% | 2,073 |
| Efficiency ratio | 86.5296% | 1,116 |
| Assets per employee ($millions) | 3.0697% | 5,604 |
| Cash dividends to net income (ytd only)* | 37.2896% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9841% | 1,137 |
| Loan loss allowance to noncurrent loans | 34.5114% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 4.4169% | 355 |
| Noncurrent loans to loans | 5.7491% | 211 |
| Net loans and leases to total assets | 62.6620% | 3,415 |
| Net loans and leases to deposits | 69.6806% | 3,958 |
| Net loans and leases to core deposits | 76.1610% | 3,696 |
| Total domestic deposits to total assets | 89.9274% | 767 |
| Equity capital to assets | 8.0862% | 6,016 |
| Core capital (leverage) ratio | 7.8980% | 6,055 |
| Tier 1 risk-based capital ratio | 10.4153% | 6,134 |
| Total risk-based capital ratio | 11.6708% | 6,076 |
| Memoranda: | ||
| Average total assets | $238,111,800 | 2,632 |
| Average earning assets | $211,131,800 | 2,698 |
| Average equity | $19,178,800 | 3,263 |
| Average total loans | $160,067,800 | 2,424 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3241% | 2,524 |
| Cost of funding earning assets | 0.5832% | 1,993 |
| Net interest margin | 3.7409% | 2,856 |
| Noninterest income to average assets | 1.0791% | 1,047 |
| Noninterest expense to average assets | 3.7068% | 1,108 |
| Loan and lease loss provision to assets | 0.2032% | 1,162 |
| Net operating income to assets | 0.4814% | 4,939 |
| Return on assets (ROA) | 0.5982% | 4,540 |
| Pretax return on assets | 0.5982% | 5,038 |
| Return on Equity (ROE) | 7.4349% | 3,475 |
| Retained earnings to average equity (ytd only) | 4.4820% | 3,462 |
| Net charge-offs to loans | 0.0763% | 3,110 |
| Credit loss provision to net charge-offs | 391.3043% | 716 |
| Earnings coverage of net charge-offs (x) | 13.1851% | 2,250 |
| Efficiency ratio | 84.4107% | 1,344 |
| Assets per employee ($millions) | 3.0225% | 5,703 |
| Cash dividends to net income (ytd only)* | 39.7170% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9232% | 1,403 |
| Loan loss allowance to noncurrent loans | 25.9516% | 5,827 |
| Noncurrent assets plus other real estate owned to assets | 4.9546% | 352 |
| Noncurrent loans to loans | 7.4108% | 151 |
| Net loans and leases to total assets | 62.3436% | 3,432 |
| Net loans and leases to deposits | 68.6873% | 4,056 |
| Net loans and leases to core deposits | 75.6136% | 3,795 |
| Total domestic deposits to total assets | 90.7644% | 433 |
| Equity capital to assets | 7.9784% | 6,143 |
| Core capital (leverage) ratio | 8.0186% | 6,055 |
| Tier 1 risk-based capital ratio | 10.4861% | 6,212 |
| Total risk-based capital ratio | 11.7414% | 6,157 |
| Memoranda: | ||
| Average total assets | $236,245,250 | 2,660 |
| Average earning assets | $209,178,750 | 2,735 |
| Average equity | $19,009,000 | 3,300 |
| Average total loans | $160,835,000 | 2,438 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3227% | 2,508 |
| Cost of funding earning assets | 0.5994% | 1,902 |
| Net interest margin | 3.7232% | 2,864 |
| Noninterest income to average assets | 1.1029% | 972 |
| Noninterest expense to average assets | 3.8177% | 947 |
| Loan and lease loss provision to assets | 0.2057% | 1,161 |
| Net operating income to assets | 0.4062% | 5,198 |
| Return on assets (ROA) | 0.5784% | 4,561 |
| Pretax return on assets | 0.5784% | 5,026 |
| Return on Equity (ROE) | 7.1678% | 3,532 |
| Retained earnings to average equity (ytd only) | 5.8298% | 2,429 |
| Net charge-offs to loans | 0.0123% | 3,996 |
| Credit loss provision to net charge-offs | 2,400.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 71.4000% | 725 |
| Efficiency ratio | 86.1869% | 1,256 |
| Assets per employee ($millions) | 2.8393% | 5,974 |
| Cash dividends to net income (ytd only)* | 18.6667% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8463% | 1,713 |
| Loan loss allowance to noncurrent loans | 25.7988% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 4.9983% | 360 |
| Noncurrent loans to loans | 7.1566% | 167 |
| Net loans and leases to total assets | 65.8678% | 2,763 |
| Net loans and leases to deposits | 72.6564% | 3,484 |
| Net loans and leases to core deposits | 80.1153% | 3,197 |
| Total domestic deposits to total assets | 90.6566% | 525 |
| Equity capital to assets | 8.1912% | 6,034 |
| Core capital (leverage) ratio | 8.0071% | 6,096 |
| Tier 1 risk-based capital ratio | 10.2759% | 6,314 |
| Total risk-based capital ratio | 11.5305% | 6,270 |
| Memoranda: | ||
| Average total assets | $233,385,670 | 2,695 |
| Average earning assets | $208,528,330 | 2,752 |
| Average equity | $18,834,330 | 3,308 |
| Average total loans | $162,571,670 | 2,420 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3737% | 2,256 |
| Cost of funding earning assets | 0.6089% | 1,904 |
| Net interest margin | 3.7649% | 2,615 |
| Noninterest income to average assets | 1.1073% | 910 |
| Noninterest expense to average assets | 3.9926% | 766 |
| Loan and lease loss provision to assets | 0.2079% | 1,112 |
| Net operating income to assets | 0.2929% | 5,519 |
| Return on assets (ROA) | 0.5389% | 4,581 |
| Pretax return on assets | 0.5389% | 5,050 |
| Return on Equity (ROE) | 6.7303% | 3,617 |
| Retained earnings to average equity (ytd only) | 6.7303% | 2,175 |
| Net charge-offs to loans | -0.0024% | 4,722 |
| Credit loss provision to net charge-offs | -12,000.0000% | 5,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8546% | 1,147 |
| Assets per employee ($millions) | 2.8108% | 6,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7673% | 2,137 |
| Loan loss allowance to noncurrent loans | 29.6027% | 5,863 |
| Noncurrent assets plus other real estate owned to assets | 4.3602% | 513 |
| Noncurrent loans to loans | 5.9699% | 305 |
| Net loans and leases to total assets | 67.8089% | 2,256 |
| Net loans and leases to deposits | 74.7114% | 2,990 |
| Net loans and leases to core deposits | 83.9974% | 2,515 |
| Total domestic deposits to total assets | 90.7610% | 660 |
| Equity capital to assets | 8.1438% | 5,947 |
| Core capital (leverage) ratio | 8.0618% | 6,076 |
| Tier 1 risk-based capital ratio | 10.1734% | 6,431 |
| Total risk-based capital ratio | 11.4273% | 6,396 |
| Memoranda: | ||
| Average total assets | $230,829,000 | 2,737 |
| Average earning assets | $207,604,500 | 2,770 |
| Average equity | $18,483,500 | 3,355 |
| Average total loans | $163,833,000 | 2,409 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 1,753 |
| Cost of funding earning assets | 0.7116% | 1,733 |
| Net interest margin | 3.9251% | 2,201 |
| Noninterest income to average assets | 1.2012% | 975 |
| Noninterest expense to average assets | 3.9818% | 888 |
| Loan and lease loss provision to assets | 0.1873% | 1,967 |
| Net operating income to assets | 0.5146% | 4,670 |
| Return on assets (ROA) | 0.5525% | 4,623 |
| Pretax return on assets | 0.5525% | 5,040 |
| Return on Equity (ROE) | 6.8136% | 3,668 |
| Retained earnings to average equity (ytd only) | 0.7792% | 5,487 |
| Net charge-offs to loans | 0.3759% | 1,791 |
| Credit loss provision to net charge-offs | 70.4918% | 3,296 |
| Earnings coverage of net charge-offs (x) | 2.6410% | 4,116 |
| Efficiency ratio | 85.0140% | 1,516 |
| Assets per employee ($millions) | 2.7186% | 6,197 |
| Cash dividends to net income (ytd only)* | 88.5647% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6354% | 2,626 |
| Loan loss allowance to noncurrent loans | 26.1316% | 6,049 |
| Noncurrent assets plus other real estate owned to assets | 4.8024% | 505 |
| Noncurrent loans to loans | 6.2583% | 315 |
| Net loans and leases to total assets | 71.7718% | 1,720 |
| Net loans and leases to deposits | 78.8642% | 2,604 |
| Net loans and leases to core deposits | 88.0824% | 2,241 |
| Total domestic deposits to total assets | 91.0069% | 564 |
| Equity capital to assets | 7.8681% | 6,104 |
| Core capital (leverage) ratio | 7.7543% | 6,273 |
| Tier 1 risk-based capital ratio | 9.4703% | 6,606 |
| Total risk-based capital ratio | 10.7230% | 6,591 |
| Memoranda: | ||
| Average total assets | $229,518,600 | 2,722 |
| Average earning assets | $203,637,200 | 2,789 |
| Average equity | $18,609,800 | 3,326 |
| Average total loans | $162,287,000 | 2,388 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6890% | 1,625 |
| Cost of funding earning assets | 0.7369% | 1,687 |
| Net interest margin | 3.9522% | 2,104 |
| Noninterest income to average assets | 1.1847% | 1,044 |
| Noninterest expense to average assets | 3.7370% | 1,189 |
| Loan and lease loss provision to assets | 0.2495% | 1,434 |
| Net operating income to assets | 0.6742% | 3,989 |
| Return on assets (ROA) | 0.7217% | 3,876 |
| Pretax return on assets | 0.7217% | 4,601 |
| Return on Equity (ROE) | 8.8365% | 2,722 |
| Retained earnings to average equity (ytd only) | 1.9392% | 5,162 |
| Net charge-offs to loans | 0.5054% | 1,274 |
| Credit loss provision to net charge-offs | 70.3764% | 3,062 |
| Earnings coverage of net charge-offs (x) | 2.6055% | 3,970 |
| Efficiency ratio | 80.1818% | 2,066 |
| Assets per employee ($millions) | 2.6703% | 6,306 |
| Cash dividends to net income (ytd only)* | 78.0542% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6817% | 2,688 |
| Loan loss allowance to noncurrent loans | 26.5678% | 6,092 |
| Noncurrent assets plus other real estate owned to assets | 4.8460% | 592 |
| Noncurrent loans to loans | 6.3297% | 377 |
| Net loans and leases to total assets | 70.1664% | 1,935 |
| Net loans and leases to deposits | 77.2913% | 2,775 |
| Net loans and leases to core deposits | 86.5947% | 2,334 |
| Total domestic deposits to total assets | 90.7817% | 621 |
| Equity capital to assets | 8.0305% | 6,133 |
| Core capital (leverage) ratio | 7.8094% | 6,326 |
| Tier 1 risk-based capital ratio | 9.6776% | 6,661 |
| Total risk-based capital ratio | 10.9303% | 6,641 |
| Memoranda: | ||
| Average total assets | $229,807,250 | 2,736 |
| Average earning assets | $202,112,250 | 2,824 |
| Average equity | $18,770,250 | 3,339 |
| Average total loans | $161,202,250 | 2,419 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6895% | 1,596 |
| Cost of funding earning assets | 0.7597% | 1,648 |
| Net interest margin | 3.9298% | 2,113 |
| Noninterest income to average assets | 1.3001% | 918 |
| Noninterest expense to average assets | 3.7391% | 1,187 |
| Loan and lease loss provision to assets | 0.2080% | 1,818 |
| Net operating income to assets | 0.7827% | 3,390 |
| Return on assets (ROA) | 0.8537% | 3,171 |
| Pretax return on assets | 0.8537% | 4,104 |
| Return on Equity (ROE) | 10.3950% | 2,043 |
| Retained earnings to average equity (ytd only) | 3.5565% | 4,054 |
| Net charge-offs to loans | 0.7431% | 870 |
| Credit loss provision to net charge-offs | 40.1338% | 3,413 |
| Earnings coverage of net charge-offs (x) | 1.9114% | 3,885 |
| Efficiency ratio | 79.0544% | 2,289 |
| Assets per employee ($millions) | 2.7152% | 6,276 |
| Cash dividends to net income (ytd only)* | 65.7868% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 3,308 |
| Loan loss allowance to noncurrent loans | 26.1365% | 6,145 |
| Noncurrent assets plus other real estate owned to assets | 4.6267% | 694 |
| Noncurrent loans to loans | 5.9723% | 482 |
| Net loans and leases to total assets | 69.5970% | 1,951 |
| Net loans and leases to deposits | 76.5852% | 2,787 |
| Net loans and leases to core deposits | 86.1365% | 2,321 |
| Total domestic deposits to total assets | 90.8753% | 589 |
| Equity capital to assets | 8.0164% | 6,185 |
| Core capital (leverage) ratio | 7.8070% | 6,304 |
| Tier 1 risk-based capital ratio | 9.6000% | 6,709 |
| Total risk-based capital ratio | 10.8516% | 6,690 |
| Memoranda: | ||
| Average total assets | $230,752,330 | 2,732 |
| Average earning assets | $201,385,330 | 2,850 |
| Average equity | $18,951,330 | 3,337 |
| Average total loans | $160,942,330 | 2,425 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7129% | 1,500 |
| Cost of funding earning assets | 0.7905% | 1,584 |
| Net interest margin | 3.9224% | 2,044 |
| Noninterest income to average assets | 1.2777% | 933 |
| Noninterest expense to average assets | 3.7342% | 1,197 |
| Loan and lease loss provision to assets | 0.2080% | 1,785 |
| Net operating income to assets | 0.7333% | 3,520 |
| Return on assets (ROA) | 0.7715% | 3,460 |
| Pretax return on assets | 0.7715% | 4,290 |
| Return on Equity (ROE) | 9.2822% | 2,360 |
| Retained earnings to average equity (ytd only) | 2.5031% | 4,774 |
| Net charge-offs to loans | -0.0025% | 5,173 |
| Credit loss provision to net charge-offs | -12,000.0000% | 5,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8665% | 2,352 |
| Assets per employee ($millions) | 2.7784% | 6,306 |
| Cash dividends to net income (ytd only)* | 73.0337% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8760% | 2,376 |
| Loan loss allowance to noncurrent loans | 30.8272% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 4.6306% | 808 |
| Noncurrent loans to loans | 6.0857% | 542 |
| Net loans and leases to total assets | 67.8163% | 2,048 |
| Net loans and leases to deposits | 74.7101% | 2,816 |
| Net loans and leases to core deposits | 85.1199% | 2,204 |
| Total domestic deposits to total assets | 90.7726% | 631 |
| Equity capital to assets | 8.1900% | 6,257 |
| Core capital (leverage) ratio | 7.7111% | 6,346 |
| Tier 1 risk-based capital ratio | 9.5612% | 6,754 |
| Total risk-based capital ratio | 10.8160% | 6,738 |
| Memoranda: | ||
| Average total assets | $230,733,500 | 2,769 |
| Average earning assets | $199,879,000 | 2,905 |
| Average equity | $19,176,500 | 3,351 |
| Average total loans | $159,828,500 | 2,449 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1917% | 1,132 |
| Cost of funding earning assets | 0.9415% | 1,695 |
| Net interest margin | 4.2502% | 1,519 |
| Noninterest income to average assets | 1.2980% | 910 |
| Noninterest expense to average assets | 3.7416% | 1,341 |
| Loan and lease loss provision to assets | 0.2140% | 3,006 |
| Net operating income to assets | 1.0541% | 2,106 |
| Return on assets (ROA) | 1.0559% | 2,293 |
| Pretax return on assets | 1.0559% | 3,338 |
| Return on Equity (ROE) | 12.5078% | 1,359 |
| Retained earnings to average equity (ytd only) | 5.2028% | 2,574 |
| Net charge-offs to loans | 0.1304% | 4,372 |
| Credit loss provision to net charge-offs | 236.4532% | 1,049 |
| Earnings coverage of net charge-offs (x) | 14.0099% | 1,774 |
| Efficiency ratio | 74.6862% | 2,951 |
| Assets per employee ($millions) | 2.7153% | 6,409 |
| Cash dividends to net income (ytd only)* | 58.4037% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8344% | 2,483 |
| Loan loss allowance to noncurrent loans | 34.8238% | 5,864 |
| Noncurrent assets plus other real estate owned to assets | 4.1068% | 1,032 |
| Noncurrent loans to loans | 5.2677% | 728 |
| Net loans and leases to total assets | 68.1566% | 2,158 |
| Net loans and leases to deposits | 75.3020% | 2,903 |
| Net loans and leases to core deposits | 86.0746% | 2,308 |
| Total domestic deposits to total assets | 90.5110% | 698 |
| Equity capital to assets | 8.4350% | 6,099 |
| Core capital (leverage) ratio | 7.8039% | 6,338 |
| Tier 1 risk-based capital ratio | 9.7305% | 6,761 |
| Total risk-based capital ratio | 10.9853% | 6,741 |
| Memoranda: | ||
| Average total assets | $224,263,200 | 2,793 |
| Average earning assets | $195,851,800 | 2,883 |
| Average equity | $18,932,200 | 3,344 |
| Average total loans | $155,722,200 | 2,493 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3002% | 1,015 |
| Cost of funding earning assets | 0.9651% | 1,759 |
| Net interest margin | 4.3351% | 1,386 |
| Noninterest income to average assets | 1.2228% | 997 |
| Noninterest expense to average assets | 3.6260% | 1,509 |
| Loan and lease loss provision to assets | 0.2149% | 2,916 |
| Net operating income to assets | 1.1768% | 1,811 |
| Return on assets (ROA) | 1.1780% | 2,001 |
| Pretax return on assets | 1.1780% | 3,070 |
| Return on Equity (ROE) | 13.9514% | 1,123 |
| Retained earnings to average equity (ytd only) | 6.6469% | 2,307 |
| Net charge-offs to loans | 0.0370% | 5,130 |
| Credit loss provision to net charge-offs | 837.2093% | 334 |
| Earnings coverage of net charge-offs (x) | 54.2111% | 711 |
| Efficiency ratio | 72.2632% | 3,274 |
| Assets per employee ($millions) | 2.6509% | 6,549 |
| Cash dividends to net income (ytd only)* | 52.3569% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8919% | 2,506 |
| Loan loss allowance to noncurrent loans | 138.7842% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 1.4604% | 3,411 |
| Noncurrent loans to loans | 1.3632% | 3,744 |
| Net loans and leases to total assets | 68.5850% | 2,195 |
| Net loans and leases to deposits | 76.1287% | 2,965 |
| Net loans and leases to core deposits | 86.4535% | 2,403 |
| Total domestic deposits to total assets | 90.0909% | 798 |
| Equity capital to assets | 8.7347% | 6,080 |
| Core capital (leverage) ratio | 7.8893% | 6,409 |
| Tier 1 risk-based capital ratio | 9.9359% | 6,811 |
| Total risk-based capital ratio | 11.1908% | 6,794 |
| Memoranda: | ||
| Average total assets | $223,307,750 | 2,821 |
| Average earning assets | $195,483,750 | 2,918 |
| Average equity | $18,855,500 | 3,384 |
| Average total loans | $155,062,750 | 2,533 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3028% | 1,050 |
| Cost of funding earning assets | 0.9701% | 1,935 |
| Net interest margin | 4.3327% | 1,387 |
| Noninterest income to average assets | 1.1704% | 1,041 |
| Noninterest expense to average assets | 3.6060% | 1,569 |
| Loan and lease loss provision to assets | 0.2147% | 2,924 |
| Net operating income to assets | 1.1623% | 1,847 |
| Return on assets (ROA) | 1.1641% | 2,035 |
| Pretax return on assets | 1.1641% | 3,065 |
| Return on Equity (ROE) | 13.9463% | 1,136 |
| Retained earnings to average equity (ytd only) | 6.6247% | 2,314 |
| Net charge-offs to loans | 0.0542% | 4,649 |
| Credit loss provision to net charge-offs | 571.4286% | 545 |
| Earnings coverage of net charge-offs (x) | 36.6429% | 938 |
| Efficiency ratio | 72.3649% | 3,366 |
| Assets per employee ($millions) | 2.6572% | 6,590 |
| Cash dividends to net income (ytd only)* | 52.4981% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8089% | 2,825 |
| Loan loss allowance to noncurrent loans | 139.4179% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 1.5004% | 3,451 |
| Noncurrent loans to loans | 1.2975% | 3,979 |
| Net loans and leases to total assets | 68.7266% | 2,156 |
| Net loans and leases to deposits | 76.0783% | 2,980 |
| Net loans and leases to core deposits | 85.8481% | 2,446 |
| Total domestic deposits to total assets | 90.3367% | 744 |
| Equity capital to assets | 8.5419% | 6,168 |
| Core capital (leverage) ratio | 7.8332% | 6,422 |
| Tier 1 risk-based capital ratio | 9.5794% | 6,915 |
| Total risk-based capital ratio | 10.8334% | 6,904 |
| Memoranda: | ||
| Average total assets | $223,519,000 | 2,834 |
| Average earning assets | $196,690,000 | 2,914 |
| Average equity | $18,657,330 | 3,405 |
| Average total loans | $154,861,670 | 2,538 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3102% | 1,075 |
| Cost of funding earning assets | 0.9949% | 2,010 |
| Net interest margin | 4.3153% | 1,422 |
| Noninterest income to average assets | 1.0676% | 1,265 |
| Noninterest expense to average assets | 3.6517% | 1,462 |
| Loan and lease loss provision to assets | 0.2146% | 2,805 |
| Net operating income to assets | 1.0175% | 2,409 |
| Return on assets (ROA) | 1.0175% | 2,602 |
| Pretax return on assets | 1.0175% | 3,617 |
| Return on Equity (ROE) | 12.3340% | 1,570 |
| Retained earnings to average equity (ytd only) | 4.9206% | 3,603 |
| Net charge-offs to loans | 0.0675% | 3,810 |
| Credit loss provision to net charge-offs | 461.5385% | 703 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,002 |
| Efficiency ratio | 74.7711% | 2,980 |
| Assets per employee ($millions) | 2.7174% | 6,607 |
| Cash dividends to net income (ytd only)* | 60.1054% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7534% | 3,151 |
| Loan loss allowance to noncurrent loans | 170.0187% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 1.5474% | 3,542 |
| Noncurrent loans to loans | 1.0313% | 4,626 |
| Net loans and leases to total assets | 68.4488% | 2,029 |
| Net loans and leases to deposits | 75.4935% | 2,890 |
| Net loans and leases to core deposits | 85.7823% | 2,316 |
| Total domestic deposits to total assets | 90.6685% | 708 |
| Equity capital to assets | 8.2787% | 6,286 |
| Core capital (leverage) ratio | 7.5657% | 6,587 |
| Tier 1 risk-based capital ratio | 9.2697% | 6,998 |
| Total risk-based capital ratio | 10.5228% | 6,997 |
| Memoranda: | ||
| Average total assets | $223,675,500 | 2,850 |
| Average earning assets | $197,809,500 | 2,922 |
| Average equity | $18,453,000 | 3,433 |
| Average total loans | $154,178,500 | 2,570 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2357% | 1,928 |
| Cost of funding earning assets | 1.1258% | 2,495 |
| Net interest margin | 4.1099% | 2,390 |
| Noninterest income to average assets | 1.1648% | 970 |
| Noninterest expense to average assets | 3.6255% | 1,692 |
| Loan and lease loss provision to assets | 0.2731% | 3,488 |
| Net operating income to assets | 0.9354% | 2,466 |
| Return on assets (ROA) | 0.9354% | 2,586 |
| Pretax return on assets | 0.9354% | 3,488 |
| Return on Equity (ROE) | 10.7968% | 1,764 |
| Retained earnings to average equity (ytd only) | -9.8038% | 6,695 |
| Net charge-offs to loans | 0.2297% | 4,345 |
| Credit loss provision to net charge-offs | 173.4104% | 1,522 |
| Earnings coverage of net charge-offs (x) | 7.6734% | 2,292 |
| Efficiency ratio | 75.0000% | 3,058 |
| Assets per employee ($millions) | 2.7051% | 6,604 |
| Cash dividends to net income (ytd only)* | 190.8029% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7164% | 3,138 |
| Loan loss allowance to noncurrent loans | 145.8380% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 1.6942% | 3,408 |
| Noncurrent loans to loans | 1.1769% | 4,408 |
| Net loans and leases to total assets | 67.0239% | 2,582 |
| Net loans and leases to deposits | 73.8839% | 3,520 |
| Net loans and leases to core deposits | 85.5968% | 2,684 |
| Total domestic deposits to total assets | 90.7151% | 621 |
| Equity capital to assets | 8.2213% | 6,416 |
| Core capital (leverage) ratio | 7.4788% | 6,660 |
| Tier 1 risk-based capital ratio | 9.4579% | 6,969 |
| Total risk-based capital ratio | 10.7109% | 6,961 |
| Memoranda: | ||
| Average total assets | $219,694,800 | 2,840 |
| Average earning assets | $196,134,600 | 2,903 |
| Average equity | $19,033,400 | 3,274 |
| Average total loans | $150,628,000 | 2,634 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2879% | 1,907 |
| Cost of funding earning assets | 1.1477% | 2,646 |
| Net interest margin | 4.1402% | 2,307 |
| Noninterest income to average assets | 1.1540% | 985 |
| Noninterest expense to average assets | 3.5223% | 1,884 |
| Loan and lease loss provision to assets | 0.1373% | 4,721 |
| Net operating income to assets | 1.2058% | 1,637 |
| Return on assets (ROA) | 1.2058% | 1,743 |
| Pretax return on assets | 1.2058% | 2,609 |
| Return on Equity (ROE) | 13.7383% | 1,097 |
| Retained earnings to average equity (ytd only) | -8.7742% | 6,809 |
| Net charge-offs to loans | 0.3431% | 3,384 |
| Credit loss provision to net charge-offs | 58.2902% | 4,844 |
| Earnings coverage of net charge-offs (x) | 5.7021% | 2,716 |
| Efficiency ratio | 72.3943% | 3,476 |
| Assets per employee ($millions) | 2.8354% | 6,427 |
| Cash dividends to net income (ytd only)* | 163.8666% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4348% | 4,396 |
| Loan loss allowance to noncurrent loans | 111.5986% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 1.7581% | 3,461 |
| Noncurrent loans to loans | 1.2857% | 4,382 |
| Net loans and leases to total assets | 67.8691% | 2,506 |
| Net loans and leases to deposits | 75.2844% | 3,458 |
| Net loans and leases to core deposits | 89.5539% | 2,305 |
| Total domestic deposits to total assets | 90.1503% | 787 |
| Equity capital to assets | 8.4796% | 6,314 |
| Core capital (leverage) ratio | 7.8477% | 6,528 |
| Tier 1 risk-based capital ratio | 9.7282% | 7,019 |
| Total risk-based capital ratio | 10.9779% | 7,016 |
| Memoranda: | ||
| Average total assets | $218,487,000 | 2,859 |
| Average earning assets | $195,864,000 | 2,919 |
| Average equity | $19,177,000 | 3,262 |
| Average total loans | $150,006,500 | 2,661 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2574% | 2,037 |
| Cost of funding earning assets | 1.1637% | 2,820 |
| Net interest margin | 4.0938% | 2,433 |
| Noninterest income to average assets | 1.1622% | 942 |
| Noninterest expense to average assets | 3.5716% | 1,807 |
| Loan and lease loss provision to assets | 0.1385% | 4,572 |
| Net operating income to assets | 1.1447% | 1,740 |
| Return on assets (ROA) | 1.1447% | 1,817 |
| Pretax return on assets | 1.1447% | 2,684 |
| Return on Equity (ROE) | 12.8912% | 1,224 |
| Retained earnings to average equity (ytd only) | -14.4610% | 7,022 |
| Net charge-offs to loans | 0.2840% | 3,456 |
| Credit loss provision to net charge-offs | 71.0900% | 4,032 |
| Earnings coverage of net charge-offs (x) | 6.5877% | 2,370 |
| Efficiency ratio | 73.5691% | 3,448 |
| Assets per employee ($millions) | 2.7585% | 6,543 |
| Cash dividends to net income (ytd only)* | 212.1774% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5160% | 4,060 |
| Loan loss allowance to noncurrent loans | 89.8951% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 1.9245% | 3,343 |
| Noncurrent loans to loans | 1.6864% | 3,899 |
| Net loans and leases to total assets | 68.9506% | 2,425 |
| Net loans and leases to deposits | 76.4974% | 3,377 |
| Net loans and leases to core deposits | 91.1772% | 2,229 |
| Total domestic deposits to total assets | 90.1346% | 905 |
| Equity capital to assets | 8.5498% | 6,131 |
| Core capital (leverage) ratio | 7.8467% | 6,461 |
| Tier 1 risk-based capital ratio | 9.7603% | 7,045 |
| Total risk-based capital ratio | 11.0110% | 7,039 |
| Memoranda: | ||
| Average total assets | $216,650,670 | 2,891 |
| Average earning assets | $195,419,000 | 2,933 |
| Average equity | $19,238,000 | 3,239 |
| Average total loans | $148,596,330 | 2,706 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2744% | 1,959 |
| Cost of funding earning assets | 1.1803% | 2,944 |
| Net interest margin | 4.0941% | 2,289 |
| Noninterest income to average assets | 1.1573% | 970 |
| Noninterest expense to average assets | 3.6368% | 1,687 |
| Loan and lease loss provision to assets | 0.1389% | 4,269 |
| Net operating income to assets | 1.0684% | 1,953 |
| Return on assets (ROA) | 1.0684% | 2,003 |
| Pretax return on assets | 1.0684% | 2,874 |
| Return on Equity (ROE) | 11.8111% | 1,511 |
| Retained earnings to average equity (ytd only) | 5.0560% | 3,152 |
| Net charge-offs to loans | 0.2837% | 2,930 |
| Credit loss provision to net charge-offs | 72.1154% | 3,312 |
| Earnings coverage of net charge-offs (x) | 6.2692% | 2,130 |
| Efficiency ratio | 75.0765% | 3,319 |
| Assets per employee ($millions) | 2.7917% | 6,553 |
| Cash dividends to net income (ytd only)* | 57.1924% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6133% | 3,678 |
| Loan loss allowance to noncurrent loans | 94.8625% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 1.7791% | 3,605 |
| Noncurrent loans to loans | 1.7006% | 3,941 |
| Net loans and leases to total assets | 65.6773% | 3,097 |
| Net loans and leases to deposits | 73.2202% | 3,886 |
| Net loans and leases to core deposits | 86.1400% | 2,853 |
| Total domestic deposits to total assets | 89.6983% | 1,357 |
| Equity capital to assets | 9.0778% | 5,081 |
| Core capital (leverage) ratio | 8.7200% | 5,053 |
| Tier 1 risk-based capital ratio | 11.0756% | 6,454 |
| Total risk-based capital ratio | 12.3271% | 6,433 |
| Memoranda: | ||
| Average total assets | $216,014,000 | 2,923 |
| Average earning assets | $194,523,000 | 2,950 |
| Average equity | $19,541,000 | 3,181 |
| Average total loans | $146,608,000 | 2,764 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5520% | 2,076 |
| Cost of funding earning assets | 1.4311% | 3,065 |
| Net interest margin | 4.1209% | 2,478 |
| Noninterest income to average assets | 1.1535% | 1,111 |
| Noninterest expense to average assets | 3.6963% | 1,708 |
| Loan and lease loss provision to assets | 0.1675% | 5,542 |
| Net operating income to assets | 1.0144% | 1,984 |
| Return on assets (ROA) | 1.0604% | 1,931 |
| Pretax return on assets | 1.0604% | 2,736 |
| Return on Equity (ROE) | 11.8703% | 1,339 |
| Retained earnings to average equity (ytd only) | 5.9325% | 1,852 |
| Net charge-offs to loans | 0.1334% | 5,575 |
| Credit loss provision to net charge-offs | 180.0000% | 1,837 |
| Earnings coverage of net charge-offs (x) | 12.7000% | 1,478 |
| Efficiency ratio | 75.7726% | 3,081 |
| Assets per employee ($millions) | 2.6454% | 6,776 |
| Cash dividends to net income (ytd only)* | 50.0219% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6049% | 3,552 |
| Loan loss allowance to noncurrent loans | 84.8712% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 1.8770% | 3,515 |
| Noncurrent loans to loans | 1.8910% | 3,696 |
| Net loans and leases to total assets | 67.8958% | 3,007 |
| Net loans and leases to deposits | 75.9110% | 3,853 |
| Net loans and leases to core deposits | 88.8154% | 2,928 |
| Total domestic deposits to total assets | 89.4412% | 1,416 |
| Equity capital to assets | 9.0140% | 5,122 |
| Core capital (leverage) ratio | 8.6286% | 5,142 |
| Tier 1 risk-based capital ratio | 10.8276% | 6,466 |
| Total risk-based capital ratio | 12.0791% | 6,436 |
| Memoranda: | ||
| Average total assets | $214,915,800 | 2,927 |
| Average earning assets | $194,254,200 | 2,947 |
| Average equity | $19,199,200 | 3,257 |
| Average total loans | $149,959,600 | 2,770 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5349% | 2,309 |
| Cost of funding earning assets | 1.4847% | 3,067 |
| Net interest margin | 4.0502% | 2,856 |
| Noninterest income to average assets | 1.1028% | 1,162 |
| Noninterest expense to average assets | 3.5298% | 1,965 |
| Loan and lease loss provision to assets | 0.1767% | 5,270 |
| Net operating income to assets | 1.0526% | 2,065 |
| Return on assets (ROA) | 1.1140% | 1,952 |
| Pretax return on assets | 1.1140% | 2,783 |
| Return on Equity (ROE) | 12.4982% | 1,385 |
| Retained earnings to average equity (ytd only) | 6.5517% | 2,064 |
| Net charge-offs to loans | 0.1613% | 5,031 |
| Credit loss provision to net charge-offs | 156.5934% | 2,448 |
| Earnings coverage of net charge-offs (x) | 10.8956% | 1,841 |
| Efficiency ratio | 74.1696% | 3,297 |
| Assets per employee ($millions) | 2.5860% | 6,963 |
| Cash dividends to net income (ytd only)* | 47.5792% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5464% | 3,748 |
| Loan loss allowance to noncurrent loans | 71.6363% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.9259% | 3,577 |
| Noncurrent loans to loans | 2.1587% | 3,498 |
| Net loans and leases to total assets | 69.5346% | 2,844 |
| Net loans and leases to deposits | 77.7958% | 3,863 |
| Net loans and leases to core deposits | 91.2072% | 2,920 |
| Total domestic deposits to total assets | 89.3810% | 1,188 |
| Equity capital to assets | 9.3990% | 4,987 |
| Core capital (leverage) ratio | 8.5302% | 5,452 |
| Tier 1 risk-based capital ratio | 10.6819% | 6,647 |
| Total risk-based capital ratio | 11.9334% | 6,633 |
| Memoranda: | ||
| Average total assets | $215,075,500 | 2,977 |
| Average earning assets | $194,156,250 | 2,989 |
| Average equity | $19,170,250 | 3,296 |
| Average total loans | $150,485,000 | 2,804 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4521% | 2,740 |
| Cost of funding earning assets | 1.5206% | 3,129 |
| Net interest margin | 3.9314% | 3,315 |
| Noninterest income to average assets | 1.0422% | 1,243 |
| Noninterest expense to average assets | 3.4764% | 2,078 |
| Loan and lease loss provision to assets | 0.1944% | 4,936 |
| Net operating income to assets | 0.9154% | 2,497 |
| Return on assets (ROA) | 1.0070% | 2,243 |
| Pretax return on assets | 1.0070% | 3,085 |
| Return on Equity (ROE) | 11.5031% | 1,598 |
| Retained earnings to average equity (ytd only) | 5.4767% | 2,627 |
| Net charge-offs to loans | 0.0995% | 5,154 |
| Credit loss provision to net charge-offs | 280.0000% | 1,325 |
| Earnings coverage of net charge-offs (x) | 15.9867% | 1,428 |
| Efficiency ratio | 75.8022% | 3,105 |
| Assets per employee ($millions) | 2.5821% | 6,980 |
| Cash dividends to net income (ytd only)* | 52.3897% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5348% | 3,742 |
| Loan loss allowance to noncurrent loans | 49.5672% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 2.4635% | 2,919 |
| Noncurrent loans to loans | 3.0964% | 2,593 |
| Net loans and leases to total assets | 71.1449% | 2,624 |
| Net loans and leases to deposits | 79.3170% | 3,731 |
| Net loans and leases to core deposits | 92.3717% | 2,933 |
| Total domestic deposits to total assets | 89.6970% | 1,073 |
| Equity capital to assets | 9.0571% | 5,355 |
| Core capital (leverage) ratio | 8.4823% | 5,438 |
| Tier 1 risk-based capital ratio | 10.3170% | 6,822 |
| Total risk-based capital ratio | 11.5684% | 6,806 |
| Memoranda: | ||
| Average total assets | $216,082,670 | 2,982 |
| Average earning assets | $194,788,330 | 3,010 |
| Average equity | $18,916,670 | 3,311 |
| Average total loans | $150,724,330 | 2,822 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3848% | 3,112 |
| Cost of funding earning assets | 1.5750% | 3,105 |
| Net interest margin | 3.8097% | 3,758 |
| Noninterest income to average assets | 1.0281% | 1,214 |
| Noninterest expense to average assets | 3.4546% | 2,092 |
| Loan and lease loss provision to assets | 0.1558% | 4,973 |
| Net operating income to assets | 0.8577% | 2,718 |
| Return on assets (ROA) | 0.8577% | 2,807 |
| Pretax return on assets | 0.8577% | 3,635 |
| Return on Equity (ROE) | 9.9646% | 2,118 |
| Retained earnings to average equity (ytd only) | 3.8964% | 3,804 |
| Net charge-offs to loans | 0.1898% | 3,784 |
| Credit loss provision to net charge-offs | 119.7183% | 2,916 |
| Earnings coverage of net charge-offs (x) | 7.7887% | 2,039 |
| Efficiency ratio | 77.3175% | 3,014 |
| Assets per employee ($millions) | 2.6961% | 6,871 |
| Cash dividends to net income (ytd only)* | 60.8974% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4945% | 3,934 |
| Loan loss allowance to noncurrent loans | 75.8515% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.6029% | 4,089 |
| Noncurrent loans to loans | 1.9704% | 3,830 |
| Net loans and leases to total assets | 68.9146% | 3,174 |
| Net loans and leases to deposits | 76.6714% | 4,289 |
| Net loans and leases to core deposits | 91.3028% | 3,202 |
| Total domestic deposits to total assets | 89.8831% | 1,048 |
| Equity capital to assets | 8.9037% | 5,407 |
| Core capital (leverage) ratio | 8.1123% | 6,054 |
| Tier 1 risk-based capital ratio | 10.2666% | 6,824 |
| Total risk-based capital ratio | 11.5174% | 6,826 |
| Memoranda: | ||
| Average total assets | $218,257,000 | 3,012 |
| Average earning assets | $197,074,000 | 3,034 |
| Average equity | $18,786,500 | 3,350 |
| Average total loans | $149,593,500 | 2,910 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9927% | 1,903 |
| Cost of funding earning assets | 2.0532% | 2,706 |
| Net interest margin | 3.9395% | 3,121 |
| Noninterest income to average assets | 1.2541% | 960 |
| Noninterest expense to average assets | 3.7811% | 1,735 |
| Loan and lease loss provision to assets | 0.2443% | 5,430 |
| Net operating income to assets | 0.7762% | 2,618 |
| Return on assets (ROA) | 0.7837% | 2,682 |
| Pretax return on assets | 0.7837% | 3,297 |
| Return on Equity (ROE) | 9.2802% | 1,929 |
| Retained earnings to average equity (ytd only) | 3.3836% | 2,799 |
| Net charge-offs to loans | 0.2605% | 4,994 |
| Credit loss provision to net charge-offs | 130.5970% | 3,898 |
| Earnings coverage of net charge-offs (x) | 5.4552% | 2,594 |
| Efficiency ratio | 78.7459% | 3,083 |
| Assets per employee ($millions) | 2.8657% | 6,528 |
| Cash dividends to net income (ytd only)* | 63.5392% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4736% | 3,869 |
| Loan loss allowance to noncurrent loans | 77.4047% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 1.4603% | 4,218 |
| Noncurrent loans to loans | 1.9037% | 3,798 |
| Net loans and leases to total assets | 66.1968% | 4,107 |
| Net loans and leases to deposits | 73.4463% | 5,128 |
| Net loans and leases to core deposits | 103.4981% | 3,628 |
| Total domestic deposits to total assets | 90.1294% | 903 |
| Equity capital to assets | 8.3253% | 6,158 |
| Core capital (leverage) ratio | 7.8084% | 6,441 |
| Tier 1 risk-based capital ratio | 9.9607% | 6,908 |
| Total risk-based capital ratio | 11.2111% | 6,885 |
| Memoranda: | ||
| Average total assets | $214,886,800 | 3,019 |
| Average earning assets | $193,502,800 | 3,056 |
| Average equity | $18,146,200 | 3,486 |
| Average total loans | $154,320,200 | 2,857 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1450% | 1,507 |
| Cost of funding earning assets | 2.1339% | 2,733 |
| Net interest margin | 4.0111% | 2,763 |
| Noninterest income to average assets | 1.1990% | 1,073 |
| Noninterest expense to average assets | 3.7857% | 1,620 |
| Loan and lease loss provision to assets | 0.2538% | 4,921 |
| Net operating income to assets | 0.7728% | 2,924 |
| Return on assets (ROA) | 0.7828% | 2,945 |
| Pretax return on assets | 0.7828% | 3,593 |
| Return on Equity (ROE) | 9.2360% | 2,183 |
| Retained earnings to average equity (ytd only) | 3.3202% | 3,449 |
| Net charge-offs to loans | 0.3570% | 3,858 |
| Credit loss provision to net charge-offs | 97.3558% | 5,244 |
| Earnings coverage of net charge-offs (x) | 3.9375% | 3,326 |
| Efficiency ratio | 78.6663% | 3,054 |
| Assets per employee ($millions) | 2.6449% | 6,955 |
| Cash dividends to net income (ytd only)* | 64.0513% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 4,132 |
| Loan loss allowance to noncurrent loans | 59.4000% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 1.8047% | 3,648 |
| Noncurrent loans to loans | 2.2996% | 3,266 |
| Net loans and leases to total assets | 69.2205% | 3,669 |
| Net loans and leases to deposits | 76.8617% | 4,913 |
| Net loans and leases to core deposits | 109.2057% | 3,326 |
| Total domestic deposits to total assets | 90.0585% | 747 |
| Equity capital to assets | 8.5435% | 6,195 |
| Core capital (leverage) ratio | 8.0851% | 6,211 |
| Tier 1 risk-based capital ratio | 9.9784% | 7,005 |
| Total risk-based capital ratio | 11.1849% | 6,990 |
| Memoranda: | ||
| Average total assets | $212,727,750 | 3,058 |
| Average earning assets | $191,631,750 | 3,094 |
| Average equity | $18,030,500 | 3,536 |
| Average total loans | $155,355,750 | 2,864 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3084% | 1,188 |
| Cost of funding earning assets | 2.1981% | 2,801 |
| Net interest margin | 4.1103% | 2,284 |
| Noninterest income to average assets | 1.2501% | 980 |
| Noninterest expense to average assets | 3.8137% | 1,635 |
| Loan and lease loss provision to assets | 0.2366% | 4,698 |
| Net operating income to assets | 0.9000% | 2,458 |
| Return on assets (ROA) | 0.9151% | 2,492 |
| Pretax return on assets | 0.9151% | 3,290 |
| Return on Equity (ROE) | 10.8260% | 1,748 |
| Retained earnings to average equity (ytd only) | 4.8924% | 2,572 |
| Net charge-offs to loans | 0.5281% | 2,745 |
| Credit loss provision to net charge-offs | 60.5327% | 5,579 |
| Earnings coverage of net charge-offs (x) | 2.9080% | 3,650 |
| Efficiency ratio | 77.0407% | 3,506 |
| Assets per employee ($millions) | 2.5928% | 7,068 |
| Cash dividends to net income (ytd only)* | 54.8087% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 4,656 |
| Loan loss allowance to noncurrent loans | 89.2130% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 1.2107% | 4,511 |
| Noncurrent loans to loans | 1.3931% | 4,425 |
| Net loans and leases to total assets | 72.0194% | 3,223 |
| Net loans and leases to deposits | 80.0367% | 4,543 |
| Net loans and leases to core deposits | 113.7847% | 2,934 |
| Total domestic deposits to total assets | 89.9830% | 839 |
| Equity capital to assets | 8.4799% | 6,078 |
| Core capital (leverage) ratio | 8.1024% | 6,164 |
| Tier 1 risk-based capital ratio | 9.8833% | 7,057 |
| Total risk-based capital ratio | 10.9917% | 7,134 |
| Memoranda: | ||
| Average total assets | $211,344,330 | 3,093 |
| Average earning assets | $190,253,000 | 3,136 |
| Average equity | $17,864,330 | 3,570 |
| Average total loans | $156,406,670 | 2,881 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4173% | 1,031 |
| Cost of funding earning assets | 2.2663% | 2,856 |
| Net interest margin | 4.1510% | 2,087 |
| Noninterest income to average assets | 1.1713% | 1,069 |
| Noninterest expense to average assets | 3.7549% | 1,553 |
| Loan and lease loss provision to assets | 0.2373% | 4,084 |
| Net operating income to assets | 0.9169% | 2,626 |
| Return on assets (ROA) | 0.9473% | 2,656 |
| Pretax return on assets | 0.9473% | 3,543 |
| Return on Equity (ROE) | 11.2248% | 1,905 |
| Retained earnings to average equity (ytd only) | 5.2637% | 2,982 |
| Net charge-offs to loans | 0.2801% | 2,997 |
| Credit loss provision to net charge-offs | 113.6364% | 3,415 |
| Earnings coverage of net charge-offs (x) | 5.5273% | 2,657 |
| Efficiency ratio | 76.4888% | 3,403 |
| Assets per employee ($millions) | 2.6018% | 7,100 |
| Cash dividends to net income (ytd only)* | 53.1062% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 3,776 |
| Loan loss allowance to noncurrent loans | 72.7116% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 1.6223% | 3,484 |
| Noncurrent loans to loans | 1.8620% | 3,475 |
| Net loans and leases to total assets | 72.7780% | 3,057 |
| Net loans and leases to deposits | 80.8272% | 4,484 |
| Net loans and leases to core deposits | 117.0577% | 2,676 |
| Total domestic deposits to total assets | 90.0415% | 782 |
| Equity capital to assets | 8.5525% | 5,989 |
| Core capital (leverage) ratio | 8.0903% | 6,310 |
| Tier 1 risk-based capital ratio | 9.7923% | 7,150 |
| Total risk-based capital ratio | 11.0063% | 7,108 |
| Memoranda: | ||
| Average total assets | $210,712,500 | 3,108 |
| Average earning assets | $189,737,000 | 3,158 |
| Average equity | $17,782,000 | 3,599 |
| Average total loans | $157,087,000 | 2,893 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7797% | 1,752 |
| Cost of funding earning assets | 2.6681% | 3,323 |
| Net interest margin | 4.1116% | 2,661 |
| Noninterest income to average assets | 1.1501% | 1,164 |
| Noninterest expense to average assets | 3.7914% | 1,768 |
| Loan and lease loss provision to assets | 0.0840% | 6,337 |
| Net operating income to assets | 1.0181% | 2,483 |
| Return on assets (ROA) | 1.0181% | 2,371 |
| Pretax return on assets | 1.0181% | 3,321 |
| Return on Equity (ROE) | 12.3389% | 1,500 |
| Retained earnings to average equity (ytd only) | 4.2587% | 2,475 |
| Net charge-offs to loans | 0.1886% | 4,301 |
| Credit loss provision to net charge-offs | 59.2334% | 6,240 |
| Earnings coverage of net charge-offs (x) | 7.7700% | 3,027 |
| Efficiency ratio | 77.4770% | 2,997 |
| Assets per employee ($millions) | 2.6010% | 6,999 |
| Cash dividends to net income (ytd only)* | 65.4854% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 3,664 |
| Loan loss allowance to noncurrent loans | 120.3224% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.8653% | 4,684 |
| Noncurrent loans to loans | 1.0946% | 4,371 |
| Net loans and leases to total assets | 74.3322% | 3,027 |
| Net loans and leases to deposits | 82.6567% | 4,627 |
| Net loans and leases to core deposits | 119.6960% | 2,717 |
| Total domestic deposits to total assets | 89.9288% | 672 |
| Equity capital to assets | 8.3254% | 6,379 |
| Core capital (leverage) ratio | 8.1935% | 6,180 |
| Tier 1 risk-based capital ratio | 9.4436% | 7,370 |
| Total risk-based capital ratio | 10.6223% | 7,367 |
| Memoranda: | ||
| Average total assets | $202,327,800 | 3,112 |
| Average earning assets | $184,211,600 | 3,133 |
| Average equity | $16,695,200 | 3,788 |
| Average total loans | $152,138,000 | 2,890 |