Home > Peoples Community Bank > Performance and Condition Ratios
Peoples Community Bank, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7948% | 2,054 |
| Cost of funding earning assets | 1.1419% | 1,185 |
| Net interest margin | 3.6529% | 2,959 |
| Noninterest income to average assets | 0.3861% | 3,378 |
| Noninterest expense to average assets | 4.1781% | 433 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.4757% | 5,051 |
| Return on assets (ROA) | -0.4568% | 5,056 |
| Pretax return on assets | -0.5542% | 5,057 |
| Return on Equity (ROE) | -4.8047% | 5,074 |
| Retained earnings to average equity (ytd only) | -4.8047% | 4,974 |
| Net charge-offs to loans | 0.7069% | 237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | -1.0817% | 3,658 |
| Efficiency ratio | 116.0330% | 85 |
| Assets per employee ($millions) | 4.8093% | 2,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1463% | 363 |
| Loan loss allowance to noncurrent loans | 281.7647% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.6571% | 1,943 |
| Noncurrent loans to loans | 0.7617% | 1,992 |
| Net loans and leases to total assets | 68.1130% | 2,667 |
| Net loans and leases to deposits | 76.2888% | 3,151 |
| Net loans and leases to core deposits | 81.8860% | 3,132 |
| Total domestic deposits to total assets | 89.2832% | 564 |
| Equity capital to assets | 9.1807% | 4,586 |
| Core capital (leverage) ratio | 9.0620% | 4,477 |
| Tier 1 risk-based capital ratio | 13.7447% | 3,392 |
| Total risk-based capital ratio | 15.0065% | 3,293 |
| Memoranda: | ||
| Average total assets | $195,042,400 | 2,879 |
| Average earning assets | $171,644,200 | 2,965 |
| Average equity | $18,544,200 | 3,271 |
| Average total loans | $147,267,600 | 2,652 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9056% | 1,802 |
| Cost of funding earning assets | 1.1549% | 1,154 |
| Net interest margin | 3.7507% | 2,748 |
| Noninterest income to average assets | 0.4408% | 3,075 |
| Noninterest expense to average assets | 2.8293% | 2,473 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7186% | 3,954 |
| Return on assets (ROA) | 0.7208% | 4,009 |
| Pretax return on assets | 0.8911% | 3,899 |
| Return on Equity (ROE) | 7.5173% | 3,500 |
| Retained earnings to average equity (ytd only) | 7.5173% | 1,613 |
| Net charge-offs to loans | 0.8800% | 172 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1.3119% | 3,308 |
| Efficiency ratio | 76.1041% | 1,319 |
| Assets per employee ($millions) | 4.0813% | 3,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0586% | 417 |
| Loan loss allowance to noncurrent loans | 405.1318% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.5031% | 2,515 |
| Noncurrent loans to loans | 0.5081% | 2,771 |
| Net loans and leases to total assets | 72.4481% | 2,096 |
| Net loans and leases to deposits | 81.7000% | 2,724 |
| Net loans and leases to core deposits | 87.3910% | 2,790 |
| Total domestic deposits to total assets | 88.6758% | 755 |
| Equity capital to assets | 10.2549% | 3,774 |
| Core capital (leverage) ratio | 10.1139% | 3,517 |
| Tier 1 risk-based capital ratio | 14.8871% | 2,907 |
| Total risk-based capital ratio | 16.1491% | 2,829 |
| Memoranda: | ||
| Average total assets | $195,710,500 | 2,901 |
| Average earning assets | $170,984,500 | 2,997 |
| Average equity | $18,765,000 | 3,275 |
| Average total loans | $150,608,750 | 2,639 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9257% | 1,680 |
| Cost of funding earning assets | 1.1481% | 1,146 |
| Net interest margin | 3.7776% | 2,658 |
| Noninterest income to average assets | 0.4436% | 2,994 |
| Noninterest expense to average assets | 2.7339% | 2,807 |
| Loan and lease loss provision to assets | 0.3553% | 362 |
| Net operating income to assets | 0.5723% | 4,378 |
| Return on assets (ROA) | 0.5756% | 4,404 |
| Pretax return on assets | 0.7056% | 4,317 |
| Return on Equity (ROE) | 6.1420% | 4,005 |
| Retained earnings to average equity (ytd only) | 6.1420% | 2,218 |
| Net charge-offs to loans | 0.4013% | 417 |
| Credit loss provision to net charge-offs | 113.6364% | 1,814 |
| Earnings coverage of net charge-offs (x) | 3.3799% | 2,850 |
| Efficiency ratio | 72.1210% | 1,903 |
| Assets per employee ($millions) | 4.3081% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6825% | 179 |
| Loan loss allowance to noncurrent loans | 200.7610% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 1.0167% | 1,369 |
| Noncurrent loans to loans | 1.3362% | 1,166 |
| Net loans and leases to total assets | 74.0482% | 1,881 |
| Net loans and leases to deposits | 82.9555% | 2,622 |
| Net loans and leases to core deposits | 87.6380% | 2,837 |
| Total domestic deposits to total assets | 89.2625% | 561 |
| Equity capital to assets | 9.8229% | 4,117 |
| Core capital (leverage) ratio | 9.7980% | 3,830 |
| Tier 1 risk-based capital ratio | 14.2162% | 3,200 |
| Total risk-based capital ratio | 15.4870% | 3,105 |
| Memoranda: | ||
| Average total assets | $197,007,330 | 2,898 |
| Average earning assets | $174,554,670 | 2,978 |
| Average equity | $18,463,000 | 3,298 |
| Average total loans | $153,514,670 | 2,622 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6842% | 2,281 |
| Cost of funding earning assets | 1.1605% | 1,014 |
| Net interest margin | 3.5238% | 3,525 |
| Noninterest income to average assets | 0.4371% | 2,930 |
| Noninterest expense to average assets | 2.7133% | 2,870 |
| Loan and lease loss provision to assets | 0.4029% | 285 |
| Net operating income to assets | 0.4106% | 4,708 |
| Return on assets (ROA) | 0.4089% | 4,725 |
| Pretax return on assets | 0.4995% | 4,686 |
| Return on Equity (ROE) | 4.4682% | 4,480 |
| Retained earnings to average equity (ytd only) | 4.4682% | 3,136 |
| Net charge-offs to loans | 0.0511% | 1,554 |
| Credit loss provision to net charge-offs | 1,000.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 22.4500% | 1,500 |
| Efficiency ratio | 75.0000% | 1,608 |
| Assets per employee ($millions) | 4.4640% | 3,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6594% | 203 |
| Loan loss allowance to noncurrent loans | 246.9843% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.8441% | 1,682 |
| Noncurrent loans to loans | 1.0767% | 1,545 |
| Net loans and leases to total assets | 76.3112% | 1,428 |
| Net loans and leases to deposits | 85.0844% | 2,242 |
| Net loans and leases to core deposits | 89.8717% | 2,516 |
| Total domestic deposits to total assets | 89.6888% | 565 |
| Equity capital to assets | 9.3917% | 4,352 |
| Core capital (leverage) ratio | 9.3071% | 4,356 |
| Tier 1 risk-based capital ratio | 13.4431% | 3,637 |
| Total risk-based capital ratio | 14.7137% | 3,532 |
| Memoranda: | ||
| Average total assets | $198,579,500 | 2,916 |
| Average earning assets | $179,240,500 | 2,957 |
| Average equity | $18,173,000 | 3,337 |
| Average total loans | $156,517,500 | 2,616 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6121% | 2,106 |
| Cost of funding earning assets | 0.9222% | 1,018 |
| Net interest margin | 3.6899% | 3,071 |
| Noninterest income to average assets | 0.4285% | 3,253 |
| Noninterest expense to average assets | 2.7806% | 2,752 |
| Loan and lease loss provision to assets | 0.8792% | 109 |
| Net operating income to assets | 0.1521% | 5,145 |
| Return on assets (ROA) | 0.1521% | 5,136 |
| Pretax return on assets | 0.1592% | 5,141 |
| Return on Equity (ROE) | 1.6341% | 5,088 |
| Retained earnings to average equity (ytd only) | -1.1183% | 5,089 |
| Net charge-offs to loans | 0.3223% | 604 |
| Credit loss provision to net charge-offs | 342.5197% | 916 |
| Earnings coverage of net charge-offs (x) | 4.0453% | 3,342 |
| Efficiency ratio | 72.8103% | 1,794 |
| Assets per employee ($millions) | 4.0272% | 3,861 |
| Cash dividends to net income (ytd only)* | 168.4385% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1469% | 368 |
| Loan loss allowance to noncurrent loans | 453.9177% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 3,043 |
| Noncurrent loans to loans | 0.4730% | 2,852 |
| Net loans and leases to total assets | 77.3692% | 1,381 |
| Net loans and leases to deposits | 85.6977% | 2,316 |
| Net loans and leases to core deposits | 91.1991% | 2,478 |
| Total domestic deposits to total assets | 90.2815% | 389 |
| Equity capital to assets | 9.1956% | 4,409 |
| Core capital (leverage) ratio | 9.2291% | 4,426 |
| Tier 1 risk-based capital ratio | 13.4723% | 3,561 |
| Total risk-based capital ratio | 14.7363% | 3,463 |
| Memoranda: | ||
| Average total assets | $197,910,000 | 2,893 |
| Average earning assets | $181,846,400 | 2,898 |
| Average equity | $18,420,000 | 3,252 |
| Average total loans | $157,595,000 | 2,550 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6338% | 1,890 |
| Cost of funding earning assets | 0.8492% | 1,123 |
| Net interest margin | 3.7846% | 2,702 |
| Noninterest income to average assets | 0.4337% | 3,261 |
| Noninterest expense to average assets | 2.7735% | 2,733 |
| Loan and lease loss provision to assets | 0.0677% | 2,622 |
| Net operating income to assets | 0.8857% | 3,599 |
| Return on assets (ROA) | 0.8857% | 3,600 |
| Pretax return on assets | 1.0725% | 3,493 |
| Return on Equity (ROE) | 9.4873% | 2,858 |
| Retained earnings to average equity (ytd only) | 8.2987% | 1,517 |
| Net charge-offs to loans | 0.0483% | 2,136 |
| Credit loss provision to net charge-offs | 175.4386% | 1,528 |
| Earnings coverage of net charge-offs (x) | 29.5607% | 1,626 |
| Efficiency ratio | 70.8679% | 2,061 |
| Assets per employee ($millions) | 4.3973% | 3,275 |
| Cash dividends to net income (ytd only)* | 12.5286% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 1,791 |
| Loan loss allowance to noncurrent loans | 412.7778% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 3,624 |
| Noncurrent loans to loans | 0.3337% | 3,470 |
| Net loans and leases to total assets | 77.2127% | 1,464 |
| Net loans and leases to deposits | 87.0464% | 2,256 |
| Net loans and leases to core deposits | 91.3461% | 2,540 |
| Total domestic deposits to total assets | 88.7029% | 957 |
| Equity capital to assets | 9.4730% | 4,104 |
| Core capital (leverage) ratio | 10.0650% | 3,566 |
| Tier 1 risk-based capital ratio | 13.9224% | 3,411 |
| Total risk-based capital ratio | 15.1756% | 3,319 |
| Memoranda: | ||
| Average total assets | $197,048,000 | 2,926 |
| Average earning assets | $181,187,000 | 2,934 |
| Average equity | $18,396,000 | 3,271 |
| Average total loans | $157,192,000 | 2,568 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5601% | 1,901 |
| Cost of funding earning assets | 0.7915% | 1,164 |
| Net interest margin | 3.7686% | 2,680 |
| Noninterest income to average assets | 0.3972% | 3,507 |
| Noninterest expense to average assets | 2.7817% | 2,718 |
| Loan and lease loss provision to assets | 0.0258% | 3,403 |
| Net operating income to assets | 0.9080% | 3,425 |
| Return on assets (ROA) | 0.9080% | 3,432 |
| Pretax return on assets | 1.0875% | 3,362 |
| Return on Equity (ROE) | 9.7767% | 2,674 |
| Retained earnings to average equity (ytd only) | 8.5546% | 1,376 |
| Net charge-offs to loans | 0.0051% | 2,985 |
| Credit loss provision to net charge-offs | 625.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 269.7500% | 333 |
| Efficiency ratio | 71.4172% | 2,099 |
| Assets per employee ($millions) | 4.2394% | 3,518 |
| Cash dividends to net income (ytd only)* | 12.5000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 2,014 |
| Loan loss allowance to noncurrent loans | 947.2103% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 4,292 |
| Noncurrent loans to loans | 0.1409% | 4,267 |
| Net loans and leases to total assets | 80.2076% | 986 |
| Net loans and leases to deposits | 91.6928% | 1,622 |
| Net loans and leases to core deposits | 96.3347% | 2,033 |
| Total domestic deposits to total assets | 87.4742% | 1,656 |
| Equity capital to assets | 9.4913% | 4,114 |
| Core capital (leverage) ratio | 9.9890% | 3,590 |
| Tier 1 risk-based capital ratio | 13.2000% | 3,792 |
| Total risk-based capital ratio | 14.4519% | 3,705 |
| Memoranda: | ||
| Average total assets | $193,840,000 | 2,961 |
| Average earning assets | $179,909,670 | 2,967 |
| Average equity | $18,002,000 | 3,328 |
| Average total loans | $155,654,000 | 2,598 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4679% | 1,961 |
| Cost of funding earning assets | 0.7363% | 1,257 |
| Net interest margin | 3.7316% | 2,680 |
| Noninterest income to average assets | 0.3428% | 3,855 |
| Noninterest expense to average assets | 2.7956% | 2,702 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8423% | 3,539 |
| Return on assets (ROA) | 0.8423% | 3,555 |
| Pretax return on assets | 1.0116% | 3,494 |
| Return on Equity (ROE) | 9.1779% | 2,816 |
| Retained earnings to average equity (ytd only) | 7.9096% | 1,877 |
| Net charge-offs to loans | -0.0080% | 4,167 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4297% | 1,979 |
| Assets per employee ($millions) | 4.2138% | 3,629 |
| Cash dividends to net income (ytd only)* | 13.8191% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 1,857 |
| Loan loss allowance to noncurrent loans | 1,489.1156% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.1021% | 4,573 |
| Noncurrent loans to loans | 0.0937% | 4,554 |
| Net loans and leases to total assets | 79.7732% | 968 |
| Net loans and leases to deposits | 88.9716% | 1,816 |
| Net loans and leases to core deposits | 93.0044% | 2,212 |
| Total domestic deposits to total assets | 89.6614% | 807 |
| Equity capital to assets | 9.7654% | 3,823 |
| Core capital (leverage) ratio | 10.4610% | 2,995 |
| Tier 1 risk-based capital ratio | 13.9197% | 3,418 |
| Total risk-based capital ratio | 15.1734% | 3,337 |
| Memoranda: | ||
| Average total assets | $189,014,000 | 3,045 |
| Average earning assets | $175,472,500 | 3,037 |
| Average equity | $17,346,000 | 3,428 |
| Average total loans | $150,769,500 | 2,676 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4038% | 2,018 |
| Cost of funding earning assets | 0.6829% | 1,120 |
| Net interest margin | 3.7209% | 2,719 |
| Noninterest income to average assets | 0.4776% | 3,144 |
| Noninterest expense to average assets | 2.9262% | 2,370 |
| Loan and lease loss provision to assets | 0.0139% | 4,010 |
| Net operating income to assets | 0.4649% | 4,474 |
| Return on assets (ROA) | 0.4720% | 4,484 |
| Pretax return on assets | 0.9574% | 3,708 |
| Return on Equity (ROE) | 5.4560% | 3,985 |
| Retained earnings to average equity (ytd only) | 4.0470% | 2,753 |
| Net charge-offs to loans | 0.1693% | 1,459 |
| Credit loss provision to net charge-offs | 10.5932% | 3,662 |
| Earnings coverage of net charge-offs (x) | 7.3093% | 3,056 |
| Efficiency ratio | 75.2936% | 1,719 |
| Assets per employee ($millions) | 3.7590% | 4,345 |
| Cash dividends to net income (ytd only)* | 25.8255% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5105% | 1,374 |
| Loan loss allowance to noncurrent loans | 1,410.3226% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 4,574 |
| Noncurrent loans to loans | 0.1071% | 4,505 |
| Net loans and leases to total assets | 77.3838% | 1,368 |
| Net loans and leases to deposits | 85.6158% | 2,310 |
| Net loans and leases to core deposits | 91.2364% | 2,433 |
| Total domestic deposits to total assets | 90.3850% | 436 |
| Equity capital to assets | 8.5580% | 5,078 |
| Core capital (leverage) ratio | 8.7560% | 4,896 |
| Tier 1 risk-based capital ratio | 12.3306% | 4,306 |
| Total risk-based capital ratio | 13.5857% | 4,217 |
| Memoranda: | ||
| Average total assets | $179,652,600 | 3,121 |
| Average earning assets | $164,585,600 | 3,147 |
| Average equity | $15,542,400 | 3,653 |
| Average total loans | $139,431,000 | 2,792 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3767% | 2,027 |
| Cost of funding earning assets | 0.6657% | 1,144 |
| Net interest margin | 3.7110% | 2,715 |
| Noninterest income to average assets | 0.4399% | 3,404 |
| Noninterest expense to average assets | 2.9255% | 2,318 |
| Loan and lease loss provision to assets | 0.0187% | 3,770 |
| Net operating income to assets | 0.6339% | 4,256 |
| Return on assets (ROA) | 0.6446% | 4,269 |
| Pretax return on assets | 0.9037% | 4,033 |
| Return on Equity (ROE) | 7.4296% | 3,427 |
| Retained earnings to average equity (ytd only) | 6.0091% | 2,234 |
| Net charge-offs to loans | 0.1545% | 1,316 |
| Credit loss provision to net charge-offs | 15.6250% | 3,188 |
| Earnings coverage of net charge-offs (x) | 7.5937% | 2,859 |
| Efficiency ratio | 76.3250% | 1,538 |
| Assets per employee ($millions) | 3.9663% | 4,047 |
| Cash dividends to net income (ytd only)* | 19.1189% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6535% | 1,121 |
| Loan loss allowance to noncurrent loans | 4,350.0000% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 4,683 |
| Noncurrent loans to loans | 0.0380% | 4,951 |
| Net loans and leases to total assets | 73.7383% | 1,956 |
| Net loans and leases to deposits | 81.8128% | 2,794 |
| Net loans and leases to core deposits | 87.1241% | 2,864 |
| Total domestic deposits to total assets | 90.1306% | 433 |
| Equity capital to assets | 8.7228% | 5,133 |
| Core capital (leverage) ratio | 8.8762% | 4,896 |
| Tier 1 risk-based capital ratio | 12.9011% | 4,077 |
| Total risk-based capital ratio | 14.1579% | 3,979 |
| Memoranda: | ||
| Average total assets | $178,518,000 | 3,163 |
| Average earning assets | $163,223,750 | 3,190 |
| Average equity | $15,487,250 | 3,692 |
| Average total loans | $138,108,750 | 2,823 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3247% | 2,051 |
| Cost of funding earning assets | 0.6563% | 1,111 |
| Net interest margin | 3.6684% | 2,760 |
| Noninterest income to average assets | 0.4390% | 3,428 |
| Noninterest expense to average assets | 2.9231% | 2,352 |
| Loan and lease loss provision to assets | 0.0282% | 3,435 |
| Net operating income to assets | 0.5937% | 4,335 |
| Return on assets (ROA) | 0.6083% | 4,309 |
| Pretax return on assets | 0.8453% | 4,110 |
| Return on Equity (ROE) | 7.0252% | 3,542 |
| Retained earnings to average equity (ytd only) | 5.5915% | 2,360 |
| Net charge-offs to loans | 0.2844% | 713 |
| Credit loss provision to net charge-offs | 12.6904% | 2,829 |
| Earnings coverage of net charge-offs (x) | 3.8376% | 2,998 |
| Efficiency ratio | 77.4059% | 1,541 |
| Assets per employee ($millions) | 3.8361% | 4,218 |
| Cash dividends to net income (ytd only)* | 20.4082% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5677% | 1,341 |
| Loan loss allowance to noncurrent loans | 2,680.7229% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 4,599 |
| Noncurrent loans to loans | 0.0585% | 4,892 |
| Net loans and leases to total assets | 77.4876% | 1,317 |
| Net loans and leases to deposits | 86.3978% | 2,177 |
| Net loans and leases to core deposits | 90.9148% | 2,442 |
| Total domestic deposits to total assets | 89.6870% | 650 |
| Equity capital to assets | 8.6890% | 5,155 |
| Core capital (leverage) ratio | 8.7704% | 4,982 |
| Tier 1 risk-based capital ratio | 12.3487% | 4,389 |
| Total risk-based capital ratio | 13.6043% | 4,273 |
| Memoranda: | ||
| Average total assets | $177,206,670 | 3,191 |
| Average earning assets | $161,215,330 | 3,223 |
| Average equity | $15,344,670 | 3,716 |
| Average total loans | $138,545,330 | 2,829 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3928% | 1,663 |
| Cost of funding earning assets | 0.6521% | 1,068 |
| Net interest margin | 3.7407% | 2,351 |
| Noninterest income to average assets | 0.4873% | 3,062 |
| Noninterest expense to average assets | 2.8578% | 2,588 |
| Loan and lease loss provision to assets | 0.0569% | 2,669 |
| Net operating income to assets | 0.6740% | 3,817 |
| Return on assets (ROA) | 0.6740% | 3,856 |
| Pretax return on assets | 0.9427% | 3,617 |
| Return on Equity (ROE) | 7.7977% | 3,021 |
| Retained earnings to average equity (ytd only) | 6.3488% | 2,165 |
| Net charge-offs to loans | -0.0029% | 4,059 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0850% | 2,219 |
| Assets per employee ($millions) | 3.7500% | 4,417 |
| Cash dividends to net income (ytd only)* | 18.5811% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7532% | 1,050 |
| Loan loss allowance to noncurrent loans | 380.9748% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.4356% | 3,448 |
| Noncurrent loans to loans | 0.4602% | 3,450 |
| Net loans and leases to total assets | 75.4338% | 1,509 |
| Net loans and leases to deposits | 86.2528% | 2,010 |
| Net loans and leases to core deposits | 90.5109% | 2,312 |
| Total domestic deposits to total assets | 87.4566% | 2,011 |
| Equity capital to assets | 8.5139% | 5,231 |
| Core capital (leverage) ratio | 8.8782% | 4,871 |
| Tier 1 risk-based capital ratio | 12.6638% | 4,285 |
| Total risk-based capital ratio | 13.9223% | 4,186 |
| Memoranda: | ||
| Average total assets | $175,662,000 | 3,239 |
| Average earning assets | $158,259,000 | 3,293 |
| Average equity | $15,184,000 | 3,763 |
| Average total loans | $136,852,000 | 2,867 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4923% | 1,555 |
| Cost of funding earning assets | 0.5919% | 1,394 |
| Net interest margin | 3.9005% | 1,966 |
| Noninterest income to average assets | 0.5741% | 2,792 |
| Noninterest expense to average assets | 3.1027% | 2,030 |
| Loan and lease loss provision to assets | 0.0602% | 3,172 |
| Net operating income to assets | 0.7151% | 3,712 |
| Return on assets (ROA) | 0.7679% | 3,565 |
| Pretax return on assets | 1.0525% | 3,288 |
| Return on Equity (ROE) | 8.6520% | 2,589 |
| Retained earnings to average equity (ytd only) | 7.1942% | 1,154 |
| Net charge-offs to loans | 0.1255% | 1,991 |
| Credit loss provision to net charge-offs | 59.5238% | 3,256 |
| Earnings coverage of net charge-offs (x) | 10.2917% | 2,655 |
| Efficiency ratio | 74.8874% | 2,150 |
| Assets per employee ($millions) | 3.7245% | 4,441 |
| Cash dividends to net income (ytd only)* | 16.8495% | 3,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7690% | 1,003 |
| Loan loss allowance to noncurrent loans | 2,471.1340% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.2522% | 4,296 |
| Noncurrent loans to loans | 0.0716% | 4,953 |
| Net loans and leases to total assets | 77.6909% | 1,251 |
| Net loans and leases to deposits | 87.4137% | 2,000 |
| Net loans and leases to core deposits | 91.2571% | 2,366 |
| Total domestic deposits to total assets | 88.8773% | 1,170 |
| Equity capital to assets | 8.7804% | 5,040 |
| Core capital (leverage) ratio | 9.0298% | 4,704 |
| Tier 1 risk-based capital ratio | 12.7351% | 4,253 |
| Total risk-based capital ratio | 13.9941% | 4,131 |
| Memoranda: | ||
| Average total assets | $166,176,000 | 3,329 |
| Average earning assets | $152,058,800 | 3,343 |
| Average equity | $14,748,000 | 3,844 |
| Average total loans | $133,871,400 | 2,865 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5048% | 1,523 |
| Cost of funding earning assets | 0.5800% | 1,484 |
| Net interest margin | 3.9248% | 1,896 |
| Noninterest income to average assets | 0.4569% | 3,507 |
| Noninterest expense to average assets | 3.1050% | 2,012 |
| Loan and lease loss provision to assets | 0.0809% | 2,588 |
| Net operating income to assets | 0.6095% | 4,255 |
| Return on assets (ROA) | 0.6784% | 4,095 |
| Pretax return on assets | 0.9517% | 3,806 |
| Return on Equity (ROE) | 7.6231% | 3,229 |
| Retained earnings to average equity (ytd only) | 6.5601% | 1,871 |
| Net charge-offs to loans | 0.0360% | 2,909 |
| Credit loss provision to net charge-offs | 277.7778% | 1,101 |
| Earnings coverage of net charge-offs (x) | 32.1381% | 1,423 |
| Efficiency ratio | 76.8461% | 1,854 |
| Assets per employee ($millions) | 3.7884% | 4,324 |
| Cash dividends to net income (ytd only)* | 13.9455% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8766% | 885 |
| Loan loss allowance to noncurrent loans | 216.7095% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.8095% | 2,516 |
| Noncurrent loans to loans | 0.8659% | 2,522 |
| Net loans and leases to total assets | 77.5690% | 1,274 |
| Net loans and leases to deposits | 87.4266% | 2,090 |
| Net loans and leases to core deposits | 92.2477% | 2,351 |
| Total domestic deposits to total assets | 88.7246% | 1,036 |
| Equity capital to assets | 8.8381% | 5,296 |
| Core capital (leverage) ratio | 8.8152% | 5,039 |
| Tier 1 risk-based capital ratio | 12.7557% | 4,306 |
| Total risk-based capital ratio | 14.0162% | 4,210 |
| Memoranda: | ||
| Average total assets | $164,888,750 | 3,362 |
| Average earning assets | $150,561,000 | 3,378 |
| Average equity | $14,674,250 | 3,884 |
| Average total loans | $133,464,000 | 2,875 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5026% | 1,499 |
| Cost of funding earning assets | 0.5725% | 1,530 |
| Net interest margin | 3.9302% | 1,880 |
| Noninterest income to average assets | 0.4588% | 3,462 |
| Noninterest expense to average assets | 3.1332% | 1,965 |
| Loan and lease loss provision to assets | 0.0859% | 2,428 |
| Net operating income to assets | 0.5809% | 4,350 |
| Return on assets (ROA) | 0.6612% | 4,134 |
| Pretax return on assets | 0.9226% | 3,865 |
| Return on Equity (ROE) | 7.4123% | 3,309 |
| Retained earnings to average equity (ytd only) | 6.3397% | 1,940 |
| Net charge-offs to loans | 0.0556% | 2,400 |
| Credit loss provision to net charge-offs | 189.1892% | 1,353 |
| Earnings coverage of net charge-offs (x) | 19.7568% | 1,757 |
| Efficiency ratio | 77.7473% | 1,828 |
| Assets per employee ($millions) | 3.7520% | 4,356 |
| Cash dividends to net income (ytd only)* | 14.4712% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8107% | 1,064 |
| Loan loss allowance to noncurrent loans | 571.6247% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.3937% | 3,918 |
| Noncurrent loans to loans | 0.3168% | 4,229 |
| Net loans and leases to total assets | 82.0504% | 623 |
| Net loans and leases to deposits | 93.8757% | 1,299 |
| Net loans and leases to core deposits | 98.3990% | 1,770 |
| Total domestic deposits to total assets | 87.4032% | 1,713 |
| Equity capital to assets | 8.9715% | 5,259 |
| Core capital (leverage) ratio | 8.9679% | 4,868 |
| Tier 1 risk-based capital ratio | 12.6096% | 4,440 |
| Total risk-based capital ratio | 13.8700% | 4,337 |
| Memoranda: | ||
| Average total assets | $163,025,670 | 3,400 |
| Average earning assets | $148,135,000 | 3,432 |
| Average equity | $14,543,330 | 3,921 |
| Average total loans | $133,029,670 | 2,885 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5068% | 1,488 |
| Cost of funding earning assets | 0.5681% | 1,557 |
| Net interest margin | 3.9387% | 1,816 |
| Noninterest income to average assets | 0.4025% | 3,810 |
| Noninterest expense to average assets | 3.1285% | 2,021 |
| Loan and lease loss provision to assets | 0.0494% | 2,942 |
| Net operating income to assets | 0.5828% | 4,261 |
| Return on assets (ROA) | 0.6766% | 3,956 |
| Pretax return on assets | 0.9309% | 3,722 |
| Return on Equity (ROE) | 7.6061% | 3,126 |
| Retained earnings to average equity (ytd only) | 6.5235% | 2,125 |
| Net charge-offs to loans | -0.0123% | 4,620 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5980% | 1,816 |
| Assets per employee ($millions) | 3.7007% | 4,471 |
| Cash dividends to net income (ytd only)* | 14.2336% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9018% | 968 |
| Loan loss allowance to noncurrent loans | 449.2780% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.4938% | 3,628 |
| Noncurrent loans to loans | 0.4233% | 3,926 |
| Net loans and leases to total assets | 78.8481% | 971 |
| Net loans and leases to deposits | 90.2521% | 1,552 |
| Net loans and leases to core deposits | 94.6619% | 1,923 |
| Total domestic deposits to total assets | 87.3643% | 2,020 |
| Equity capital to assets | 8.9430% | 5,226 |
| Core capital (leverage) ratio | 8.9901% | 4,873 |
| Tier 1 risk-based capital ratio | 12.6383% | 4,497 |
| Total risk-based capital ratio | 13.8996% | 4,397 |
| Memoranda: | ||
| Average total assets | $161,993,500 | 3,424 |
| Average earning assets | $147,157,000 | 3,458 |
| Average equity | $14,409,500 | 3,949 |
| Average total loans | $130,567,000 | 2,926 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3841% | 1,955 |
| Cost of funding earning assets | 0.5573% | 1,701 |
| Net interest margin | 3.8267% | 2,280 |
| Noninterest income to average assets | 0.4795% | 3,464 |
| Noninterest expense to average assets | 3.1561% | 2,074 |
| Loan and lease loss provision to assets | 0.2120% | 984 |
| Net operating income to assets | 0.4522% | 4,880 |
| Return on assets (ROA) | 0.5530% | 4,580 |
| Pretax return on assets | 0.7226% | 4,463 |
| Return on Equity (ROE) | 6.3635% | 3,862 |
| Retained earnings to average equity (ytd only) | 4.9072% | 2,491 |
| Net charge-offs to loans | 0.1761% | 1,628 |
| Credit loss provision to net charge-offs | 153.1532% | 1,743 |
| Earnings coverage of net charge-offs (x) | 5.8063% | 3,325 |
| Efficiency ratio | 79.7040% | 1,716 |
| Assets per employee ($millions) | 3.8370% | 4,231 |
| Cash dividends to net income (ytd only)* | 22.8861% | 3,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8924% | 968 |
| Loan loss allowance to noncurrent loans | 530.1075% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.4437% | 3,841 |
| Noncurrent loans to loans | 0.3570% | 4,175 |
| Net loans and leases to total assets | 79.2963% | 947 |
| Net loans and leases to deposits | 90.5606% | 1,546 |
| Net loans and leases to core deposits | 95.3002% | 1,908 |
| Total domestic deposits to total assets | 87.5617% | 1,863 |
| Equity capital to assets | 8.8468% | 5,269 |
| Core capital (leverage) ratio | 8.7091% | 5,204 |
| Tier 1 risk-based capital ratio | 12.5175% | 4,624 |
| Total risk-based capital ratio | 13.7784% | 4,514 |
| Memoranda: | ||
| Average total assets | $160,388,200 | 3,427 |
| Average earning assets | $145,869,600 | 3,461 |
| Average equity | $13,938,800 | 3,987 |
| Average total loans | $126,054,200 | 2,952 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3373% | 2,117 |
| Cost of funding earning assets | 0.5585% | 1,730 |
| Net interest margin | 3.7788% | 2,464 |
| Noninterest income to average assets | 0.3620% | 4,342 |
| Noninterest expense to average assets | 3.0920% | 2,243 |
| Loan and lease loss provision to assets | 0.1498% | 1,453 |
| Net operating income to assets | 0.3917% | 5,194 |
| Return on assets (ROA) | 0.5102% | 4,843 |
| Pretax return on assets | 0.7008% | 4,678 |
| Return on Equity (ROE) | 5.8972% | 4,198 |
| Retained earnings to average equity (ytd only) | 4.7717% | 3,072 |
| Net charge-offs to loans | 0.2379% | 1,104 |
| Credit loss provision to net charge-offs | 80.7175% | 2,602 |
| Earnings coverage of net charge-offs (x) | 3.7085% | 3,464 |
| Efficiency ratio | 81.7922% | 1,422 |
| Assets per employee ($millions) | 3.4682% | 4,854 |
| Cash dividends to net income (ytd only)* | 19.0870% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7796% | 1,305 |
| Loan loss allowance to noncurrent loans | 264.5235% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.7491% | 3,033 |
| Noncurrent loans to loans | 0.6728% | 3,308 |
| Net loans and leases to total assets | 78.0116% | 1,096 |
| Net loans and leases to deposits | 88.9046% | 1,781 |
| Net loans and leases to core deposits | 92.6735% | 2,200 |
| Total domestic deposits to total assets | 87.7475% | 1,686 |
| Equity capital to assets | 8.6213% | 5,629 |
| Core capital (leverage) ratio | 8.6856% | 5,365 |
| Tier 1 risk-based capital ratio | 12.7297% | 4,595 |
| Total risk-based capital ratio | 13.9894% | 4,491 |
| Memoranda: | ||
| Average total assets | $160,196,500 | 3,455 |
| Average earning assets | $144,911,500 | 3,503 |
| Average equity | $13,859,250 | 4,045 |
| Average total loans | $125,004,000 | 2,994 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3442% | 2,028 |
| Cost of funding earning assets | 0.5577% | 1,757 |
| Net interest margin | 3.7865% | 2,375 |
| Noninterest income to average assets | 0.3529% | 4,437 |
| Noninterest expense to average assets | 3.1081% | 2,225 |
| Loan and lease loss provision to assets | 0.1507% | 1,411 |
| Net operating income to assets | 0.3680% | 5,239 |
| Return on assets (ROA) | 0.5111% | 4,833 |
| Pretax return on assets | 0.6781% | 4,724 |
| Return on Equity (ROE) | 5.9008% | 4,176 |
| Retained earnings to average equity (ytd only) | 4.7700% | 3,009 |
| Net charge-offs to loans | 0.3465% | 757 |
| Credit loss provision to net charge-offs | 56.0748% | 2,638 |
| Earnings coverage of net charge-offs (x) | 2.3738% | 3,354 |
| Efficiency ratio | 82.9702% | 1,374 |
| Assets per employee ($millions) | 3.4240% | 4,944 |
| Cash dividends to net income (ytd only)* | 19.1646% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8028% | 1,364 |
| Loan loss allowance to noncurrent loans | 2,531.4607% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 4,763 |
| Noncurrent loans to loans | 0.0712% | 5,450 |
| Net loans and leases to total assets | 76.2568% | 1,331 |
| Net loans and leases to deposits | 86.8910% | 1,953 |
| Net loans and leases to core deposits | 91.4468% | 2,203 |
| Total domestic deposits to total assets | 87.7615% | 1,766 |
| Equity capital to assets | 8.5959% | 5,603 |
| Core capital (leverage) ratio | 8.6857% | 5,339 |
| Tier 1 risk-based capital ratio | 12.8237% | 4,609 |
| Total risk-based capital ratio | 14.0830% | 4,525 |
| Memoranda: | ||
| Average total assets | $159,260,670 | 3,497 |
| Average earning assets | $142,719,330 | 3,558 |
| Average equity | $13,794,670 | 4,084 |
| Average total loans | $123,516,670 | 3,028 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2911% | 2,127 |
| Cost of funding earning assets | 0.5567% | 1,785 |
| Net interest margin | 3.7344% | 2,494 |
| Noninterest income to average assets | 0.3282% | 4,565 |
| Noninterest expense to average assets | 3.0828% | 2,326 |
| Loan and lease loss provision to assets | 0.1515% | 1,344 |
| Net operating income to assets | 0.3545% | 5,239 |
| Return on assets (ROA) | 0.5656% | 4,524 |
| Pretax return on assets | 0.7423% | 4,460 |
| Return on Equity (ROE) | 6.5043% | 3,761 |
| Retained earnings to average equity (ytd only) | 5.3719% | 2,850 |
| Net charge-offs to loans | -0.0033% | 4,408 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3447% | 1,448 |
| Assets per employee ($millions) | 3.4723% | 4,943 |
| Cash dividends to net income (ytd only)* | 17.4107% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9490% | 1,190 |
| Loan loss allowance to noncurrent loans | 565.2582% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.3669% | 4,542 |
| Noncurrent loans to loans | 0.3448% | 4,554 |
| Net loans and leases to total assets | 75.8444% | 1,233 |
| Net loans and leases to deposits | 86.4900% | 1,773 |
| Net loans and leases to core deposits | 90.8575% | 2,047 |
| Total domestic deposits to total assets | 87.6915% | 1,991 |
| Equity capital to assets | 8.6786% | 5,592 |
| Core capital (leverage) ratio | 8.6740% | 5,348 |
| Tier 1 risk-based capital ratio | 13.2406% | 4,470 |
| Total risk-based capital ratio | 14.5027% | 4,380 |
| Memoranda: | ||
| Average total assets | $158,428,000 | 3,530 |
| Average earning assets | $142,993,000 | 3,578 |
| Average equity | $13,775,500 | 4,115 |
| Average total loans | $122,790,000 | 3,041 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3011% | 2,603 |
| Cost of funding earning assets | 0.5717% | 2,029 |
| Net interest margin | 3.7294% | 2,884 |
| Noninterest income to average assets | 0.4250% | 4,006 |
| Noninterest expense to average assets | 3.2059% | 2,199 |
| Loan and lease loss provision to assets | 0.0644% | 3,222 |
| Net operating income to assets | 0.4225% | 5,141 |
| Return on assets (ROA) | 0.5267% | 4,785 |
| Pretax return on assets | 0.6941% | 4,646 |
| Return on Equity (ROE) | 6.2145% | 4,045 |
| Retained earnings to average equity (ytd only) | 4.7254% | 2,816 |
| Net charge-offs to loans | 0.0506% | 3,820 |
| Credit loss provision to net charge-offs | 178.5714% | 1,361 |
| Earnings coverage of net charge-offs (x) | 17.2321% | 1,943 |
| Efficiency ratio | 83.7651% | 1,443 |
| Assets per employee ($millions) | 3.3432% | 5,187 |
| Cash dividends to net income (ytd only)* | 23.9609% | 3,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9233% | 1,260 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 5,625 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 76.1674% | 1,240 |
| Net loans and leases to deposits | 86.8796% | 1,861 |
| Net loans and leases to core deposits | 90.7547% | 2,205 |
| Total domestic deposits to total assets | 87.6700% | 1,943 |
| Equity capital to assets | 8.7120% | 5,571 |
| Core capital (leverage) ratio | 8.5736% | 5,475 |
| Tier 1 risk-based capital ratio | 12.8675% | 4,811 |
| Total risk-based capital ratio | 14.1296% | 4,720 |
| Memoranda: | ||
| Average total assets | $155,306,800 | 3,560 |
| Average earning assets | $141,686,000 | 3,573 |
| Average equity | $13,162,800 | 4,160 |
| Average total loans | $110,633,200 | 3,204 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2650% | 2,761 |
| Cost of funding earning assets | 0.5780% | 2,033 |
| Net interest margin | 3.6870% | 3,080 |
| Noninterest income to average assets | 0.4236% | 4,070 |
| Noninterest expense to average assets | 3.1729% | 2,256 |
| Loan and lease loss provision to assets | 0.0431% | 3,536 |
| Net operating income to assets | 0.4247% | 5,157 |
| Return on assets (ROA) | 0.5519% | 4,745 |
| Pretax return on assets | 0.7388% | 4,561 |
| Return on Equity (ROE) | 6.5585% | 3,932 |
| Retained earnings to average equity (ytd only) | 5.3613% | 2,840 |
| Net charge-offs to loans | 0.0396% | 3,712 |
| Credit loss provision to net charge-offs | 156.2500% | 1,531 |
| Earnings coverage of net charge-offs (x) | 22.2165% | 1,638 |
| Efficiency ratio | 83.8262% | 1,411 |
| Assets per employee ($millions) | 3.3697% | 5,102 |
| Cash dividends to net income (ytd only)* | 18.2531% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0445% | 1,175 |
| Loan loss allowance to noncurrent loans | 5,660.9756% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 5,688 |
| Noncurrent loans to loans | 0.0361% | 5,878 |
| Net loans and leases to total assets | 70.2161% | 2,162 |
| Net loans and leases to deposits | 79.9431% | 2,698 |
| Net loans and leases to core deposits | 83.8112% | 2,899 |
| Total domestic deposits to total assets | 87.8326% | 1,847 |
| Equity capital to assets | 8.4761% | 5,814 |
| Core capital (leverage) ratio | 8.5265% | 5,634 |
| Tier 1 risk-based capital ratio | 13.2469% | 4,696 |
| Total risk-based capital ratio | 14.5086% | 4,631 |
| Memoranda: | ||
| Average total assets | $154,851,250 | 3,589 |
| Average earning assets | $141,176,000 | 3,612 |
| Average equity | $13,031,250 | 4,214 |
| Average total loans | $107,784,500 | 3,290 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3030% | 2,572 |
| Cost of funding earning assets | 0.5869% | 2,013 |
| Net interest margin | 3.7161% | 2,898 |
| Noninterest income to average assets | 0.4334% | 3,999 |
| Noninterest expense to average assets | 3.1742% | 2,270 |
| Loan and lease loss provision to assets | 0.0651% | 2,965 |
| Net operating income to assets | 0.4269% | 5,104 |
| Return on assets (ROA) | 0.5948% | 4,474 |
| Pretax return on assets | 0.7965% | 4,281 |
| Return on Equity (ROE) | 7.0851% | 3,583 |
| Retained earnings to average equity (ytd only) | 5.8758% | 2,398 |
| Net charge-offs to loans | 0.0189% | 3,841 |
| Credit loss provision to net charge-offs | 500.0000% | 577 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 923 |
| Efficiency ratio | 83.2707% | 1,594 |
| Assets per employee ($millions) | 3.0241% | 5,724 |
| Cash dividends to net income (ytd only)* | 17.0678% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1490% | 1,089 |
| Loan loss allowance to noncurrent loans | 1,920.4918% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 5,540 |
| Noncurrent loans to loans | 0.1119% | 5,680 |
| Net loans and leases to total assets | 69.1738% | 2,203 |
| Net loans and leases to deposits | 78.9302% | 2,667 |
| Net loans and leases to core deposits | 82.8449% | 2,875 |
| Total domestic deposits to total assets | 87.6392% | 2,122 |
| Equity capital to assets | 8.5879% | 5,724 |
| Core capital (leverage) ratio | 8.5981% | 5,533 |
| Tier 1 risk-based capital ratio | 13.7883% | 4,399 |
| Total risk-based capital ratio | 15.0530% | 4,336 |
| Memoranda: | ||
| Average total assets | $153,677,000 | 3,626 |
| Average earning assets | $139,717,000 | 3,657 |
| Average equity | $12,900,330 | 4,240 |
| Average total loans | $105,871,000 | 3,338 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2332% | 2,752 |
| Cost of funding earning assets | 0.5928% | 2,038 |
| Net interest margin | 3.6404% | 3,099 |
| Noninterest income to average assets | 0.3390% | 4,663 |
| Noninterest expense to average assets | 3.1942% | 2,257 |
| Loan and lease loss provision to assets | 0.1304% | 1,864 |
| Net operating income to assets | 0.2419% | 5,687 |
| Return on assets (ROA) | 0.4407% | 5,032 |
| Pretax return on assets | 0.5711% | 4,931 |
| Return on Equity (ROE) | 5.3111% | 4,383 |
| Retained earnings to average equity (ytd only) | 4.0855% | 3,667 |
| Net charge-offs to loans | 0.0384% | 2,847 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,480 |
| Efficiency ratio | 87.8136% | 1,245 |
| Assets per employee ($millions) | 3.0470% | 5,781 |
| Cash dividends to net income (ytd only)* | 23.0769% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1833% | 1,189 |
| Loan loss allowance to noncurrent loans | 546.1538% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.3919% | 4,969 |
| Noncurrent loans to loans | 0.3998% | 4,935 |
| Net loans and leases to total assets | 67.5498% | 2,292 |
| Net loans and leases to deposits | 76.7360% | 2,721 |
| Net loans and leases to core deposits | 80.3495% | 2,929 |
| Total domestic deposits to total assets | 88.0288% | 2,223 |
| Equity capital to assets | 8.3257% | 5,804 |
| Core capital (leverage) ratio | 8.5001% | 5,644 |
| Tier 1 risk-based capital ratio | 13.7033% | 4,538 |
| Total risk-based capital ratio | 14.9684% | 4,483 |
| Memoranda: | ||
| Average total assets | $153,401,000 | 3,660 |
| Average earning assets | $138,996,500 | 3,687 |
| Average equity | $12,728,000 | 4,287 |
| Average total loans | $104,292,000 | 3,381 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4327% | 2,460 |
| Cost of funding earning assets | 0.6946% | 1,858 |
| Net interest margin | 3.7381% | 2,903 |
| Noninterest income to average assets | 0.4336% | 4,206 |
| Noninterest expense to average assets | 3.1692% | 2,517 |
| Loan and lease loss provision to assets | 0.1971% | 1,881 |
| Net operating income to assets | 0.3431% | 5,365 |
| Return on assets (ROA) | 0.4908% | 4,911 |
| Pretax return on assets | 0.6143% | 4,826 |
| Return on Equity (ROE) | 5.7938% | 4,216 |
| Retained earnings to average equity (ytd only) | 4.3666% | 3,071 |
| Net charge-offs to loans | 0.5765% | 1,145 |
| Credit loss provision to net charge-offs | 52.0833% | 3,765 |
| Earnings coverage of net charge-offs (x) | 1.6563% | 4,501 |
| Efficiency ratio | 83.4891% | 1,687 |
| Assets per employee ($millions) | 3.0281% | 5,790 |
| Cash dividends to net income (ytd only)* | 24.6319% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2741% | 1,075 |
| Loan loss allowance to noncurrent loans | 875.6654% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.7899% | 3,910 |
| Noncurrent loans to loans | 0.2597% | 5,403 |
| Net loans and leases to total assets | 65.3662% | 2,798 |
| Net loans and leases to deposits | 74.2377% | 3,226 |
| Net loans and leases to core deposits | 78.2961% | 3,318 |
| Total domestic deposits to total assets | 88.0499% | 2,147 |
| Equity capital to assets | 8.2679% | 5,807 |
| Core capital (leverage) ratio | 8.3718% | 5,810 |
| Tier 1 risk-based capital ratio | 13.7484% | 4,482 |
| Total risk-based capital ratio | 15.0134% | 4,414 |
| Memoranda: | ||
| Average total assets | $152,213,200 | 3,671 |
| Average earning assets | $136,912,800 | 3,710 |
| Average equity | $12,893,200 | 4,287 |
| Average total loans | $99,920,000 | 3,444 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4157% | 2,541 |
| Cost of funding earning assets | 0.7094% | 1,890 |
| Net interest margin | 3.7063% | 3,006 |
| Noninterest income to average assets | 0.4286% | 4,311 |
| Noninterest expense to average assets | 3.1081% | 2,626 |
| Loan and lease loss provision to assets | 0.1968% | 1,851 |
| Net operating income to assets | 0.3417% | 5,459 |
| Return on assets (ROA) | 0.5301% | 4,824 |
| Pretax return on assets | 0.7147% | 4,638 |
| Return on Equity (ROE) | 6.2215% | 4,064 |
| Retained earnings to average equity (ytd only) | 5.0203% | 3,066 |
| Net charge-offs to loans | 0.0910% | 3,659 |
| Credit loss provision to net charge-offs | 330.8824% | 782 |
| Earnings coverage of net charge-offs (x) | 11.0447% | 2,284 |
| Efficiency ratio | 82.5511% | 1,751 |
| Assets per employee ($millions) | 2.8889% | 6,025 |
| Cash dividends to net income (ytd only)* | 19.3074% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6825% | 758 |
| Loan loss allowance to noncurrent loans | 158.2418% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 1.4774% | 2,721 |
| Noncurrent loans to loans | 1.6952% | 2,648 |
| Net loans and leases to total assets | 64.8288% | 2,846 |
| Net loans and leases to deposits | 73.6061% | 3,295 |
| Net loans and leases to core deposits | 76.4156% | 3,577 |
| Total domestic deposits to total assets | 88.0753% | 2,084 |
| Equity capital to assets | 8.2287% | 5,979 |
| Core capital (leverage) ratio | 8.3579% | 5,906 |
| Tier 1 risk-based capital ratio | 13.5632% | 4,718 |
| Total risk-based capital ratio | 14.8331% | 4,664 |
| Memoranda: | ||
| Average total assets | $152,415,500 | 3,698 |
| Average earning assets | $137,205,250 | 3,748 |
| Average equity | $12,987,000 | 4,312 |
| Average total loans | $99,582,500 | 3,486 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3670% | 2,693 |
| Cost of funding earning assets | 0.7133% | 1,974 |
| Net interest margin | 3.6536% | 3,164 |
| Noninterest income to average assets | 0.4481% | 4,173 |
| Noninterest expense to average assets | 3.0936% | 2,679 |
| Loan and lease loss provision to assets | 0.1971% | 1,928 |
| Net operating income to assets | 0.3445% | 5,426 |
| Return on assets (ROA) | 0.5993% | 4,469 |
| Pretax return on assets | 0.8135% | 4,258 |
| Return on Equity (ROE) | 6.9532% | 3,625 |
| Retained earnings to average equity (ytd only) | 5.7638% | 2,577 |
| Net charge-offs to loans | -0.0061% | 5,668 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2789% | 1,845 |
| Assets per employee ($millions) | 2.9005% | 6,019 |
| Cash dividends to net income (ytd only)* | 17.1053% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7223% | 775 |
| Loan loss allowance to noncurrent loans | 138.3992% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 1.5840% | 2,738 |
| Noncurrent loans to loans | 1.9670% | 2,435 |
| Net loans and leases to total assets | 63.5033% | 3,004 |
| Net loans and leases to deposits | 72.0917% | 3,437 |
| Net loans and leases to core deposits | 76.0416% | 3,536 |
| Total domestic deposits to total assets | 88.0868% | 2,186 |
| Equity capital to assets | 8.2535% | 6,013 |
| Core capital (leverage) ratio | 8.3289% | 5,851 |
| Tier 1 risk-based capital ratio | 13.4995% | 4,773 |
| Total risk-based capital ratio | 14.7701% | 4,713 |
| Memoranda: | ||
| Average total assets | $152,183,670 | 3,730 |
| Average earning assets | $137,944,670 | 3,756 |
| Average equity | $13,116,330 | 4,321 |
| Average total loans | $98,778,000 | 3,524 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4018% | 2,517 |
| Cost of funding earning assets | 0.7120% | 2,117 |
| Net interest margin | 3.6898% | 2,895 |
| Noninterest income to average assets | 0.5099% | 3,710 |
| Noninterest expense to average assets | 3.0513% | 2,833 |
| Loan and lease loss provision to assets | 0.1981% | 1,873 |
| Net operating income to assets | 0.4774% | 4,785 |
| Return on assets (ROA) | 0.8586% | 2,996 |
| Pretax return on assets | 1.1571% | 2,738 |
| Return on Equity (ROE) | 9.7521% | 2,158 |
| Retained earnings to average equity (ytd only) | 8.5818% | 1,526 |
| Net charge-offs to loans | -0.0082% | 5,378 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4114% | 2,548 |
| Assets per employee ($millions) | 3.0398% | 5,909 |
| Cash dividends to net income (ytd only)* | 12.0000% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6904% | 923 |
| Loan loss allowance to noncurrent loans | 123.3627% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 1.6880% | 2,760 |
| Noncurrent loans to loans | 2.1809% | 2,410 |
| Net loans and leases to total assets | 61.9646% | 3,070 |
| Net loans and leases to deposits | 70.6147% | 3,373 |
| Net loans and leases to core deposits | 74.3054% | 3,538 |
| Total domestic deposits to total assets | 87.7503% | 2,486 |
| Equity capital to assets | 8.6285% | 5,882 |
| Core capital (leverage) ratio | 8.4926% | 5,607 |
| Tier 1 risk-based capital ratio | 13.8654% | 4,603 |
| Total risk-based capital ratio | 15.1351% | 4,545 |
| Memoranda: | ||
| Average total assets | $151,411,000 | 3,782 |
| Average earning assets | $138,762,500 | 3,781 |
| Average equity | $13,330,500 | 4,324 |
| Average total loans | $97,989,500 | 3,566 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7106% | 2,552 |
| Cost of funding earning assets | 0.8439% | 2,336 |
| Net interest margin | 3.8668% | 2,961 |
| Noninterest income to average assets | 0.3916% | 4,674 |
| Noninterest expense to average assets | 3.2073% | 2,583 |
| Loan and lease loss provision to assets | 0.3147% | 2,174 |
| Net operating income to assets | 0.2795% | 5,542 |
| Return on assets (ROA) | 0.4518% | 5,122 |
| Pretax return on assets | 0.5833% | 5,043 |
| Return on Equity (ROE) | 4.9384% | 4,702 |
| Retained earnings to average equity (ytd only) | 3.5929% | 3,681 |
| Net charge-offs to loans | 0.0352% | 5,432 |
| Credit loss provision to net charge-offs | 1,406.2500% | 177 |
| Earnings coverage of net charge-offs (x) | 30.1250% | 1,008 |
| Efficiency ratio | 82.6306% | 1,793 |
| Assets per employee ($millions) | 2.8978% | 6,155 |
| Cash dividends to net income (ytd only)* | 27.2446% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6517% | 971 |
| Loan loss allowance to noncurrent loans | 118.5202% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 1.7944% | 2,718 |
| Noncurrent loans to loans | 2.2373% | 2,422 |
| Net loans and leases to total assets | 64.0632% | 2,889 |
| Net loans and leases to deposits | 70.6834% | 3,607 |
| Net loans and leases to core deposits | 73.9986% | 3,779 |
| Total domestic deposits to total assets | 90.6340% | 646 |
| Equity capital to assets | 8.9884% | 5,537 |
| Core capital (leverage) ratio | 8.4460% | 5,699 |
| Tier 1 risk-based capital ratio | 14.0360% | 4,364 |
| Total risk-based capital ratio | 15.3070% | 4,300 |
| Memoranda: | ||
| Average total assets | $142,986,600 | 3,893 |
| Average earning assets | $129,048,600 | 3,922 |
| Average equity | $13,081,200 | 4,343 |
| Average total loans | $91,008,200 | 3,723 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7818% | 2,457 |
| Cost of funding earning assets | 0.8664% | 2,419 |
| Net interest margin | 3.9154% | 2,856 |
| Noninterest income to average assets | 0.4288% | 4,419 |
| Noninterest expense to average assets | 3.1859% | 2,611 |
| Loan and lease loss provision to assets | 0.2116% | 2,948 |
| Net operating income to assets | 0.4203% | 5,161 |
| Return on assets (ROA) | 0.6470% | 4,417 |
| Pretax return on assets | 0.8360% | 4,357 |
| Return on Equity (ROE) | 7.0397% | 3,786 |
| Retained earnings to average equity (ytd only) | 5.8425% | 2,797 |
| Net charge-offs to loans | 0.0507% | 4,947 |
| Credit loss provision to net charge-offs | 661.7647% | 410 |
| Earnings coverage of net charge-offs (x) | 23.5599% | 1,308 |
| Efficiency ratio | 80.8785% | 1,958 |
| Assets per employee ($millions) | 2.8956% | 6,224 |
| Cash dividends to net income (ytd only)* | 17.0062% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6491% | 1,034 |
| Loan loss allowance to noncurrent loans | 107.2503% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 1.9036% | 2,779 |
| Noncurrent loans to loans | 2.4700% | 2,331 |
| Net loans and leases to total assets | 59.6993% | 3,841 |
| Net loans and leases to deposits | 66.2990% | 4,433 |
| Net loans and leases to core deposits | 69.5031% | 4,559 |
| Total domestic deposits to total assets | 90.0455% | 827 |
| Equity capital to assets | 9.2569% | 5,520 |
| Core capital (leverage) ratio | 8.6764% | 5,504 |
| Tier 1 risk-based capital ratio | 14.7081% | 4,040 |
| Total risk-based capital ratio | 15.9764% | 3,994 |
| Memoranda: | ||
| Average total assets | $141,785,750 | 3,958 |
| Average earning assets | $127,118,500 | 3,995 |
| Average equity | $13,030,500 | 4,390 |
| Average total loans | $89,445,750 | 3,810 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8955% | 2,128 |
| Cost of funding earning assets | 0.8762% | 2,595 |
| Net interest margin | 4.0194% | 2,418 |
| Noninterest income to average assets | 0.4361% | 4,391 |
| Noninterest expense to average assets | 3.2119% | 2,551 |
| Loan and lease loss provision to assets | 0.2131% | 2,944 |
| Net operating income to assets | 0.4662% | 4,969 |
| Return on assets (ROA) | 0.6535% | 4,351 |
| Pretax return on assets | 0.8353% | 4,330 |
| Return on Equity (ROE) | 7.1281% | 3,716 |
| Retained earnings to average equity (ytd only) | 5.9194% | 2,754 |
| Net charge-offs to loans | 0.0112% | 5,297 |
| Credit loss provision to net charge-offs | 3,000.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 113.8000% | 380 |
| Efficiency ratio | 79.8940% | 2,200 |
| Assets per employee ($millions) | 2.8540% | 6,312 |
| Cash dividends to net income (ytd only)* | 16.9565% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6038% | 1,146 |
| Loan loss allowance to noncurrent loans | 104.3439% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 1.9797% | 2,799 |
| Noncurrent loans to loans | 2.4954% | 2,414 |
| Net loans and leases to total assets | 60.4457% | 3,744 |
| Net loans and leases to deposits | 66.9596% | 4,370 |
| Net loans and leases to core deposits | 71.9411% | 4,303 |
| Total domestic deposits to total assets | 90.2719% | 780 |
| Equity capital to assets | 9.3048% | 5,310 |
| Core capital (leverage) ratio | 8.8495% | 5,131 |
| Tier 1 risk-based capital ratio | 14.5827% | 4,040 |
| Total risk-based capital ratio | 15.8513% | 3,995 |
| Memoranda: | ||
| Average total assets | $140,788,000 | 3,996 |
| Average earning assets | $125,542,670 | 4,042 |
| Average equity | $12,906,670 | 4,411 |
| Average total loans | $89,666,330 | 3,815 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9580% | 2,045 |
| Cost of funding earning assets | 0.8893% | 2,770 |
| Net interest margin | 4.0686% | 2,217 |
| Noninterest income to average assets | 0.4606% | 4,221 |
| Noninterest expense to average assets | 3.2181% | 2,543 |
| Loan and lease loss provision to assets | 0.2145% | 2,806 |
| Net operating income to assets | 0.5538% | 4,567 |
| Return on assets (ROA) | 0.7552% | 3,838 |
| Pretax return on assets | 0.9440% | 3,889 |
| Return on Equity (ROE) | 8.3012% | 3,141 |
| Retained earnings to average equity (ytd only) | 7.0749% | 2,397 |
| Net charge-offs to loans | 0.1507% | 3,190 |
| Credit loss provision to net charge-offs | 220.5882% | 1,256 |
| Earnings coverage of net charge-offs (x) | 9.3235% | 1,855 |
| Efficiency ratio | 78.0166% | 2,489 |
| Assets per employee ($millions) | 2.7949% | 6,504 |
| Cash dividends to net income (ytd only)* | 14.7727% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4534% | 1,422 |
| Loan loss allowance to noncurrent loans | 99.9093% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.9120% | 3,031 |
| Noncurrent loans to loans | 2.4556% | 2,654 |
| Net loans and leases to total assets | 62.6501% | 3,133 |
| Net loans and leases to deposits | 69.4816% | 3,805 |
| Net loans and leases to core deposits | 71.8874% | 4,169 |
| Total domestic deposits to total assets | 90.1679% | 995 |
| Equity capital to assets | 9.1344% | 5,320 |
| Core capital (leverage) ratio | 8.7419% | 5,223 |
| Tier 1 risk-based capital ratio | 14.3164% | 4,228 |
| Total risk-based capital ratio | 15.5824% | 4,189 |
| Memoranda: | ||
| Average total assets | $139,832,000 | 4,036 |
| Average earning assets | $125,939,000 | 4,060 |
| Average equity | $12,721,000 | 4,460 |
| Average total loans | $90,218,500 | 3,826 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1642% | 2,207 |
| Cost of funding earning assets | 0.9940% | 3,424 |
| Net interest margin | 4.1702% | 2,155 |
| Noninterest income to average assets | 0.3281% | 5,194 |
| Noninterest expense to average assets | 3.3307% | 2,419 |
| Loan and lease loss provision to assets | 0.4314% | 2,443 |
| Net operating income to assets | 0.2806% | 5,324 |
| Return on assets (ROA) | 0.3834% | 5,108 |
| Pretax return on assets | 0.4564% | 5,111 |
| Return on Equity (ROE) | 4.2818% | 4,726 |
| Retained earnings to average equity (ytd only) | 2.9973% | 4,094 |
| Net charge-offs to loans | 0.1477% | 4,964 |
| Credit loss provision to net charge-offs | 433.3333% | 524 |
| Earnings coverage of net charge-offs (x) | 7.6889% | 2,288 |
| Efficiency ratio | 81.3141% | 2,118 |
| Assets per employee ($millions) | 2.9770% | 6,139 |
| Cash dividends to net income (ytd only)* | 30.0000% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3830% | 1,488 |
| Loan loss allowance to noncurrent loans | 93.7121% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 2.1327% | 2,817 |
| Noncurrent loans to loans | 2.5429% | 2,583 |
| Net loans and leases to total assets | 63.2678% | 3,337 |
| Net loans and leases to deposits | 70.0656% | 4,084 |
| Net loans and leases to core deposits | 72.3730% | 4,458 |
| Total domestic deposits to total assets | 90.2979% | 814 |
| Equity capital to assets | 9.0603% | 5,481 |
| Core capital (leverage) ratio | 8.5393% | 5,496 |
| Tier 1 risk-based capital ratio | 13.9240% | 4,376 |
| Total risk-based capital ratio | 15.1900% | 4,328 |
| Memoranda: | ||
| Average total assets | $135,618,000 | 4,059 |
| Average earning assets | $122,536,800 | 4,081 |
| Average equity | $12,144,400 | 4,522 |
| Average total loans | $91,387,400 | 3,822 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2132% | 2,158 |
| Cost of funding earning assets | 1.0165% | 3,559 |
| Net interest margin | 4.1967% | 2,112 |
| Noninterest income to average assets | 0.4301% | 4,438 |
| Noninterest expense to average assets | 3.4665% | 2,031 |
| Loan and lease loss provision to assets | 0.2973% | 3,146 |
| Net operating income to assets | 0.3245% | 5,309 |
| Return on assets (ROA) | 0.4430% | 5,008 |
| Pretax return on assets | 0.6154% | 4,758 |
| Return on Equity (ROE) | 4.9619% | 4,546 |
| Retained earnings to average equity (ytd only) | 3.6631% | 4,147 |
| Net charge-offs to loans | 0.1733% | 4,414 |
| Credit loss provision to net charge-offs | 252.1008% | 1,138 |
| Earnings coverage of net charge-offs (x) | 6.3446% | 2,569 |
| Efficiency ratio | 82.2478% | 1,942 |
| Assets per employee ($millions) | 3.0268% | 6,054 |
| Cash dividends to net income (ytd only)* | 26.1749% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0651% | 2,159 |
| Loan loss allowance to noncurrent loans | 79.5961% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 2.2947% | 2,791 |
| Noncurrent loans to loans | 2.5945% | 2,672 |
| Net loans and leases to total assets | 64.4419% | 3,221 |
| Net loans and leases to deposits | 71.3360% | 4,089 |
| Net loans and leases to core deposits | 73.6822% | 4,505 |
| Total domestic deposits to total assets | 90.3357% | 702 |
| Equity capital to assets | 9.0969% | 5,642 |
| Core capital (leverage) ratio | 8.7687% | 5,313 |
| Tier 1 risk-based capital ratio | 14.0698% | 4,303 |
| Total risk-based capital ratio | 15.3326% | 4,268 |
| Memoranda: | ||
| Average total assets | $134,543,000 | 4,108 |
| Average earning assets | $121,330,250 | 4,125 |
| Average equity | $12,011,250 | 4,569 |
| Average total loans | $91,563,250 | 3,851 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2886% | 1,924 |
| Cost of funding earning assets | 1.0327% | 3,724 |
| Net interest margin | 4.2560% | 1,819 |
| Noninterest income to average assets | 0.4677% | 4,135 |
| Noninterest expense to average assets | 3.6216% | 1,699 |
| Loan and lease loss provision to assets | 0.2256% | 3,657 |
| Net operating income to assets | 0.3511% | 5,172 |
| Return on assets (ROA) | 0.3640% | 5,251 |
| Pretax return on assets | 0.4677% | 5,174 |
| Return on Equity (ROE) | 4.1041% | 4,880 |
| Retained earnings to average equity (ytd only) | 2.7813% | 4,512 |
| Net charge-offs to loans | 0.1617% | 4,206 |
| Credit loss provision to net charge-offs | 202.7027% | 1,491 |
| Earnings coverage of net charge-offs (x) | 6.0811% | 2,475 |
| Efficiency ratio | 84.2547% | 1,789 |
| Assets per employee ($millions) | 2.8255% | 6,427 |
| Cash dividends to net income (ytd only)* | 32.2314% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9209% | 2,608 |
| Loan loss allowance to noncurrent loans | 76.8602% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 2.3727% | 2,780 |
| Noncurrent loans to loans | 2.4992% | 2,889 |
| Net loans and leases to total assets | 67.2757% | 2,773 |
| Net loans and leases to deposits | 74.2614% | 3,761 |
| Net loans and leases to core deposits | 76.7513% | 4,220 |
| Total domestic deposits to total assets | 90.5931% | 680 |
| Equity capital to assets | 8.9461% | 5,655 |
| Core capital (leverage) ratio | 8.8838% | 4,908 |
| Tier 1 risk-based capital ratio | 13.6942% | 4,389 |
| Total risk-based capital ratio | 14.9547% | 4,355 |
| Memoranda: | ||
| Average total assets | $132,979,330 | 4,163 |
| Average earning assets | $119,690,330 | 4,192 |
| Average equity | $11,793,000 | 4,616 |
| Average total loans | $91,545,330 | 3,900 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3464% | 1,731 |
| Cost of funding earning assets | 1.0382% | 3,931 |
| Net interest margin | 4.3082% | 1,538 |
| Noninterest income to average assets | 0.4557% | 4,228 |
| Noninterest expense to average assets | 3.6732% | 1,591 |
| Loan and lease loss provision to assets | 0.2279% | 3,381 |
| Net operating income to assets | 0.3240% | 5,291 |
| Return on assets (ROA) | 0.3494% | 5,259 |
| Pretax return on assets | 0.4588% | 5,151 |
| Return on Equity (ROE) | 3.9577% | 4,927 |
| Retained earnings to average equity (ytd only) | 2.6155% | 4,597 |
| Net charge-offs to loans | -0.0396% | 6,815 |
| Credit loss provision to net charge-offs | -833.3333% | 6,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9017% | 1,856 |
| Assets per employee ($millions) | 2.6185% | 6,818 |
| Cash dividends to net income (ytd only)* | 33.9130% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9735% | 2,482 |
| Loan loss allowance to noncurrent loans | 77.2375% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 2.6987% | 2,551 |
| Noncurrent loans to loans | 2.5551% | 2,934 |
| Net loans and leases to total assets | 66.7633% | 2,820 |
| Net loans and leases to deposits | 73.5120% | 3,845 |
| Net loans and leases to core deposits | 75.4926% | 4,361 |
| Total domestic deposits to total assets | 90.8196% | 711 |
| Equity capital to assets | 8.7596% | 5,560 |
| Core capital (leverage) ratio | 8.9288% | 4,727 |
| Tier 1 risk-based capital ratio | 13.8072% | 4,208 |
| Total risk-based capital ratio | 15.0675% | 4,179 |
| Memoranda: | ||
| Average total assets | $131,657,000 | 4,221 |
| Average earning assets | $118,286,000 | 4,252 |
| Average equity | $11,623,000 | 4,641 |
| Average total loans | $90,803,500 | 3,953 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6767% | 1,653 |
| Cost of funding earning assets | 1.3546% | 3,543 |
| Net interest margin | 4.3221% | 1,746 |
| Noninterest income to average assets | 0.3653% | 5,186 |
| Noninterest expense to average assets | 3.5403% | 2,072 |
| Loan and lease loss provision to assets | 1.2672% | 1,227 |
| Net operating income to assets | -0.2996% | 6,215 |
| Return on assets (ROA) | -0.2996% | 6,257 |
| Pretax return on assets | -0.5538% | 6,360 |
| Return on Equity (ROE) | -3.1124% | 6,286 |
| Retained earnings to average equity (ytd only) | -4.5588% | 6,256 |
| Net charge-offs to loans | 1.0652% | 2,080 |
| Credit loss provision to net charge-offs | 164.4670% | 2,100 |
| Earnings coverage of net charge-offs (x) | 0.9259% | 5,182 |
| Efficiency ratio | 83.2291% | 2,027 |
| Assets per employee ($millions) | 2.5445% | 6,944 |
| Cash dividends to net income (ytd only)* | -46.4752% | 7,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8874% | 2,599 |
| Loan loss allowance to noncurrent loans | 95.0556% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 2.2039% | 3,091 |
| Noncurrent loans to loans | 1.9856% | 3,586 |
| Net loans and leases to total assets | 68.5387% | 2,855 |
| Net loans and leases to deposits | 75.5429% | 3,911 |
| Net loans and leases to core deposits | 77.9175% | 4,468 |
| Total domestic deposits to total assets | 90.7281% | 731 |
| Equity capital to assets | 8.8989% | 5,282 |
| Core capital (leverage) ratio | 8.9184% | 4,663 |
| Tier 1 risk-based capital ratio | 13.8153% | 3,987 |
| Total risk-based capital ratio | 15.0751% | 3,962 |
| Memoranda: | ||
| Average total assets | $127,841,400 | 4,320 |
| Average earning assets | $115,014,400 | 4,344 |
| Average equity | $12,305,800 | 4,524 |
| Average total loans | $92,470,600 | 3,993 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7222% | 1,635 |
| Cost of funding earning assets | 1.4116% | 3,511 |
| Net interest margin | 4.3105% | 1,816 |
| Noninterest income to average assets | 0.3549% | 5,326 |
| Noninterest expense to average assets | 3.4934% | 2,045 |
| Loan and lease loss provision to assets | 0.9841% | 1,518 |
| Net operating income to assets | -0.1445% | 6,236 |
| Return on assets (ROA) | -0.1445% | 6,322 |
| Pretax return on assets | -0.2450% | 6,357 |
| Return on Equity (ROE) | -1.4726% | 6,336 |
| Retained earnings to average equity (ytd only) | -2.9557% | 6,343 |
| Net charge-offs to loans | 0.5696% | 3,044 |
| Credit loss provision to net charge-offs | 236.7758% | 1,423 |
| Earnings coverage of net charge-offs (x) | 1.7783% | 4,386 |
| Efficiency ratio | 82.5377% | 2,002 |
| Assets per employee ($millions) | 2.4463% | 7,140 |
| Cash dividends to net income (ytd only)* | -100.7228% | 7,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7512% | 2,982 |
| Loan loss allowance to noncurrent loans | 57.4521% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 3.0100% | 2,411 |
| Noncurrent loans to loans | 3.0481% | 2,622 |
| Net loans and leases to total assets | 71.4032% | 2,382 |
| Net loans and leases to deposits | 79.6032% | 3,523 |
| Net loans and leases to core deposits | 82.0961% | 4,233 |
| Total domestic deposits to total assets | 89.6989% | 1,020 |
| Equity capital to assets | 9.8876% | 4,307 |
| Core capital (leverage) ratio | 9.4366% | 4,007 |
| Tier 1 risk-based capital ratio | 14.4466% | 3,538 |
| Total risk-based capital ratio | 15.7047% | 3,505 |
| Memoranda: | ||
| Average total assets | $127,359,500 | 4,382 |
| Average earning assets | $114,569,500 | 4,413 |
| Average equity | $12,495,250 | 4,551 |
| Average total loans | $92,925,000 | 4,055 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7173% | 1,699 |
| Cost of funding earning assets | 1.4733% | 3,410 |
| Net interest margin | 4.2440% | 1,990 |
| Noninterest income to average assets | 0.3312% | 5,513 |
| Noninterest expense to average assets | 3.3263% | 2,482 |
| Loan and lease loss provision to assets | 0.8320% | 1,748 |
| Net operating income to assets | 0.0220% | 6,050 |
| Return on assets (ROA) | 0.0220% | 6,147 |
| Pretax return on assets | -0.0016% | 6,159 |
| Return on Equity (ROE) | 0.2246% | 6,145 |
| Retained earnings to average equity (ytd only) | -1.3635% | 6,041 |
| Net charge-offs to loans | 0.2278% | 4,235 |
| Credit loss provision to net charge-offs | 500.0000% | 733 |
| Earnings coverage of net charge-offs (x) | 4.9906% | 2,787 |
| Efficiency ratio | 80.0227% | 2,441 |
| Assets per employee ($millions) | 2.4968% | 7,107 |
| Cash dividends to net income (ytd only)* | 707.1429% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5677% | 3,592 |
| Loan loss allowance to noncurrent loans | 144.3696% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 1.8526% | 3,687 |
| Noncurrent loans to loans | 1.0859% | 5,151 |
| Net loans and leases to total assets | 73.9634% | 1,916 |
| Net loans and leases to deposits | 82.3492% | 3,210 |
| Net loans and leases to core deposits | 84.9114% | 4,005 |
| Total domestic deposits to total assets | 89.8167% | 1,010 |
| Equity capital to assets | 9.8346% | 4,223 |
| Core capital (leverage) ratio | 9.5346% | 3,769 |
| Tier 1 risk-based capital ratio | 13.8624% | 3,829 |
| Total risk-based capital ratio | 15.1176% | 3,786 |
| Memoranda: | ||
| Average total assets | $127,409,330 | 4,416 |
| Average earning assets | $114,844,000 | 4,437 |
| Average equity | $12,467,670 | 4,561 |
| Average total loans | $93,083,000 | 4,079 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6402% | 1,990 |
| Cost of funding earning assets | 1.5332% | 3,358 |
| Net interest margin | 4.1070% | 2,409 |
| Noninterest income to average assets | 0.4488% | 4,481 |
| Noninterest expense to average assets | 3.1825% | 2,932 |
| Loan and lease loss provision to assets | 0.2825% | 3,768 |
| Net operating income to assets | 0.5210% | 4,283 |
| Return on assets (ROA) | 0.5210% | 4,424 |
| Pretax return on assets | 0.6999% | 4,234 |
| Return on Equity (ROE) | 5.3376% | 4,190 |
| Retained earnings to average equity (ytd only) | 3.4405% | 4,092 |
| Net charge-offs to loans | 0.0654% | 4,755 |
| Credit loss provision to net charge-offs | 600.0000% | 717 |
| Earnings coverage of net charge-offs (x) | 20.8667% | 1,144 |
| Efficiency ratio | 76.4130% | 3,147 |
| Assets per employee ($millions) | 2.5919% | 7,055 |
| Cash dividends to net income (ytd only)* | 35.5422% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 5,112 |
| Loan loss allowance to noncurrent loans | 139.5152% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 1.6559% | 3,989 |
| Noncurrent loans to loans | 0.9079% | 5,496 |
| Net loans and leases to total assets | 70.6448% | 2,771 |
| Net loans and leases to deposits | 78.7510% | 3,890 |
| Net loans and leases to core deposits | 81.0144% | 4,621 |
| Total domestic deposits to total assets | 89.7065% | 1,135 |
| Equity capital to assets | 9.8706% | 4,032 |
| Core capital (leverage) ratio | 9.6804% | 3,541 |
| Tier 1 risk-based capital ratio | 14.6097% | 3,311 |
| Total risk-based capital ratio | 15.8616% | 3,277 |
| Memoranda: | ||
| Average total assets | $127,446,000 | 4,472 |
| Average earning assets | $115,316,000 | 4,487 |
| Average equity | $12,440,000 | 4,604 |
| Average total loans | $91,783,500 | 4,165 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1968% | 1,246 |
| Cost of funding earning assets | 1.8468% | 3,751 |
| Net interest margin | 4.3500% | 1,573 |
| Noninterest income to average assets | 0.5616% | 3,931 |
| Noninterest expense to average assets | 3.6602% | 2,004 |
| Loan and lease loss provision to assets | 0.2116% | 5,650 |
| Net operating income to assets | 0.4461% | 3,944 |
| Return on assets (ROA) | 0.4461% | 4,066 |
| Pretax return on assets | 0.6262% | 3,821 |
| Return on Equity (ROE) | 4.2573% | 3,980 |
| Retained earnings to average equity (ytd only) | 1.7435% | 3,868 |
| Net charge-offs to loans | 0.2724% | 4,913 |
| Credit loss provision to net charge-offs | 95.7692% | 5,786 |
| Earnings coverage of net charge-offs (x) | 3.7923% | 3,197 |
| Efficiency ratio | 81.3751% | 2,687 |
| Assets per employee ($millions) | 2.9066% | 6,444 |
| Cash dividends to net income (ytd only)* | 59.0476% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 5,581 |
| Loan loss allowance to noncurrent loans | 417.0543% | 802 |
| Noncurrent assets plus other real estate owned to assets | 1.2010% | 4,697 |
| Noncurrent loans to loans | 0.2783% | 6,732 |
| Net loans and leases to total assets | 71.6395% | 2,851 |
| Net loans and leases to deposits | 79.6902% | 4,048 |
| Net loans and leases to core deposits | 89.6056% | 5,173 |
| Total domestic deposits to total assets | 89.8975% | 1,014 |
| Equity capital to assets | 9.6521% | 4,213 |
| Core capital (leverage) ratio | 9.8754% | 3,235 |
| Tier 1 risk-based capital ratio | 14.2060% | 3,375 |
| Total risk-based capital ratio | 15.4489% | 3,337 |
| Memoranda: | ||
| Average total assets | $117,698,600 | 4,641 |
| Average earning assets | $106,506,000 | 4,667 |
| Average equity | $12,331,800 | 4,665 |
| Average total loans | $95,438,000 | 4,077 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3448% | 1,038 |
| Cost of funding earning assets | 1.8936% | 3,915 |
| Net interest margin | 4.4512% | 1,312 |
| Noninterest income to average assets | 0.5303% | 4,236 |
| Noninterest expense to average assets | 3.5662% | 2,107 |
| Loan and lease loss provision to assets | 0.1447% | 5,910 |
| Net operating income to assets | 0.5882% | 3,643 |
| Return on assets (ROA) | 0.5882% | 3,709 |
| Pretax return on assets | 0.8476% | 3,389 |
| Return on Equity (ROE) | 5.4938% | 3,742 |
| Retained earnings to average equity (ytd only) | 2.8767% | 3,721 |
| Net charge-offs to loans | 0.2150% | 4,687 |
| Credit loss provision to net charge-offs | 80.6452% | 5,743 |
| Earnings coverage of net charge-offs (x) | 5.5291% | 2,795 |
| Efficiency ratio | 78.2322% | 3,129 |
| Assets per employee ($millions) | 2.6037% | 7,039 |
| Cash dividends to net income (ytd only)* | 47.6377% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 5,535 |
| Loan loss allowance to noncurrent loans | 104.6535% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 1.3785% | 4,336 |
| Noncurrent loans to loans | 1.0802% | 5,146 |
| Net loans and leases to total assets | 77.1859% | 1,745 |
| Net loans and leases to deposits | 86.7905% | 3,168 |
| Net loans and leases to core deposits | 99.1335% | 4,469 |
| Total domestic deposits to total assets | 88.9336% | 1,228 |
| Equity capital to assets | 10.4310% | 3,583 |
| Core capital (leverage) ratio | 10.5221% | 2,774 |
| Tier 1 risk-based capital ratio | 14.6130% | 3,219 |
| Total risk-based capital ratio | 15.8625% | 3,168 |
| Memoranda: | ||
| Average total assets | $115,151,000 | 4,715 |
| Average earning assets | $104,209,000 | 4,763 |
| Average equity | $12,328,750 | 4,707 |
| Average total loans | $96,123,750 | 4,079 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4107% | 987 |
| Cost of funding earning assets | 1.9399% | 4,061 |
| Net interest margin | 4.4708% | 1,244 |
| Noninterest income to average assets | 0.5334% | 4,157 |
| Noninterest expense to average assets | 3.5489% | 2,196 |
| Loan and lease loss provision to assets | 0.1232% | 5,878 |
| Net operating income to assets | 0.6302% | 3,551 |
| Return on assets (ROA) | 0.6302% | 3,658 |
| Pretax return on assets | 0.9101% | 3,303 |
| Return on Equity (ROE) | 5.8335% | 3,733 |
| Retained earnings to average equity (ytd only) | 3.1123% | 3,583 |
| Net charge-offs to loans | 0.2412% | 3,986 |
| Credit loss provision to net charge-offs | 59.8291% | 5,595 |
| Earnings coverage of net charge-offs (x) | 5.0171% | 2,932 |
| Efficiency ratio | 77.4491% | 3,430 |
| Assets per employee ($millions) | 2.5282% | 7,197 |
| Cash dividends to net income (ytd only)* | 46.6480% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0816% | 5,721 |
| Loan loss allowance to noncurrent loans | 91.5493% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 1.3861% | 4,189 |
| Noncurrent loans to loans | 1.1815% | 4,859 |
| Net loans and leases to total assets | 81.7827% | 991 |
| Net loans and leases to deposits | 92.1109% | 2,451 |
| Net loans and leases to core deposits | 105.9438% | 3,851 |
| Total domestic deposits to total assets | 88.7872% | 1,381 |
| Equity capital to assets | 10.6238% | 3,275 |
| Core capital (leverage) ratio | 10.7036% | 2,663 |
| Tier 1 risk-based capital ratio | 14.6189% | 3,177 |
| Total risk-based capital ratio | 15.8541% | 3,131 |
| Memoranda: | ||
| Average total assets | $113,612,000 | 4,782 |
| Average earning assets | $102,890,000 | 4,817 |
| Average equity | $12,274,000 | 4,746 |
| Average total loans | $96,998,000 | 4,096 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5910% | 719 |
| Cost of funding earning assets | 2.0210% | 4,028 |
| Net interest margin | 4.5700% | 995 |
| Noninterest income to average assets | 0.5629% | 3,808 |
| Noninterest expense to average assets | 3.3954% | 2,373 |
| Loan and lease loss provision to assets | 0.0891% | 5,823 |
| Net operating income to assets | 0.8195% | 3,049 |
| Return on assets (ROA) | 0.8195% | 3,200 |
| Pretax return on assets | 1.2114% | 2,589 |
| Return on Equity (ROE) | 7.5203% | 3,372 |
| Retained earnings to average equity (ytd only) | 4.7738% | 3,249 |
| Net charge-offs to loans | 0.2997% | 2,915 |
| Credit loss provision to net charge-offs | 34.2466% | 4,898 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,773 |
| Efficiency ratio | 72.3065% | 4,135 |
| Assets per employee ($millions) | 2.6080% | 7,077 |
| Cash dividends to net income (ytd only)* | 36.5217% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 5,667 |
| Loan loss allowance to noncurrent loans | 152.3460% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 1.1459% | 4,387 |
| Noncurrent loans to loans | 0.7043% | 5,652 |
| Net loans and leases to total assets | 83.4733% | 777 |
| Net loans and leases to deposits | 94.1767% | 2,244 |
| Net loans and leases to core deposits | 108.8153% | 3,580 |
| Total domestic deposits to total assets | 88.6348% | 1,405 |
| Equity capital to assets | 10.7264% | 3,263 |
| Core capital (leverage) ratio | 11.0889% | 2,439 |
| Tier 1 risk-based capital ratio | 14.6242% | 3,244 |
| Total risk-based capital ratio | 15.8606% | 3,184 |
| Memoranda: | ||
| Average total assets | $112,270,000 | 4,841 |
| Average earning assets | $101,532,500 | 4,873 |
| Average equity | $12,233,500 | 4,776 |
| Average total loans | $97,422,000 | 4,102 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0175% | 1,094 |
| Cost of funding earning assets | 2.2717% | 5,280 |
| Net interest margin | 4.7458% | 875 |
| Noninterest income to average assets | 0.4680% | 4,895 |
| Noninterest expense to average assets | 3.8739% | 1,612 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6570% | 4,076 |
| Return on assets (ROA) | 0.6570% | 3,924 |
| Pretax return on assets | 0.9641% | 3,505 |
| Return on Equity (ROE) | 6.0126% | 3,936 |
| Retained earnings to average equity (ytd only) | 3.2350% | 3,135 |
| Net charge-offs to loans | 0.0041% | 6,932 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 265.2500% | 188 |
| Efficiency ratio | 80.0714% | 2,591 |
| Assets per employee ($millions) | 2.4951% | 7,208 |
| Cash dividends to net income (ytd only)* | 46.1964% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 5,205 |
| Loan loss allowance to noncurrent loans | 407.1161% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 6,607 |
| Noncurrent loans to loans | 0.2724% | 6,559 |
| Net loans and leases to total assets | 88.2890% | 341 |
| Net loans and leases to deposits | 100.9814% | 1,710 |
| Net loans and leases to core deposits | 118.8263% | 2,808 |
| Total domestic deposits to total assets | 87.4310% | 1,736 |
| Equity capital to assets | 11.0743% | 2,974 |
| Core capital (leverage) ratio | 10.8214% | 2,731 |
| Tier 1 risk-based capital ratio | 14.4630% | 3,316 |
| Total risk-based capital ratio | 15.7131% | 3,227 |
| Memoranda: | ||
| Average total assets | $110,045,200 | 4,782 |
| Average earning assets | $101,332,400 | 4,768 |
| Average equity | $12,024,800 | 4,818 |
| Average total loans | $97,079,000 | 4,030 |