Home > Reelfoot Bank > Performance and Condition Ratios
Reelfoot Bank, Performance and Condition Ratios
| 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 | 4.3426% | 2,003 |
| Cost of funding earning assets | 0.4356% | 2,653 |
| Net interest margin | 3.9070% | 1,941 |
| Noninterest income to average assets | 0.9041% | 1,402 |
| Noninterest expense to average assets | 3.2961% | 1,586 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6938% | 3,811 |
| Return on assets (ROA) | 0.7197% | 3,808 |
| Pretax return on assets | 0.9384% | 3,701 |
| Return on Equity (ROE) | 6.7249% | 3,631 |
| Retained earnings to average equity (ytd only) | 5.1041% | 2,282 |
| Net charge-offs to loans | -0.0391% | 5,325 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4625% | 1,631 |
| Assets per employee ($millions) | 2.9318% | 5,400 |
| Cash dividends to net income (ytd only)* | 24.1007% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9621% | 180 |
| Loan loss allowance to noncurrent loans | 100.8715% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.5591% | 1,043 |
| Noncurrent loans to loans | 2.9365% | 474 |
| Net loans and leases to total assets | 49.7448% | 4,785 |
| Net loans and leases to deposits | 56.3243% | 4,897 |
| Net loans and leases to core deposits | 58.1735% | 4,953 |
| Total domestic deposits to total assets | 88.3186% | 1,478 |
| Equity capital to assets | 10.7487% | 2,871 |
| Core capital (leverage) ratio | 10.9075% | 2,436 |
| Tier 1 risk-based capital ratio | 18.2703% | 1,784 |
| Total risk-based capital ratio | 19.5352% | 1,744 |
| Memoranda: | ||
| Average total assets | $154,514,400 | 3,452 |
| Average earning assets | $130,381,400 | 3,643 |
| Average equity | $16,535,600 | 3,621 |
| Average total loans | $81,908,200 | 3,763 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3967% | 1,869 |
| Cost of funding earning assets | 0.4328% | 2,705 |
| Net interest margin | 3.9639% | 1,767 |
| Noninterest income to average assets | 0.8979% | 1,412 |
| Noninterest expense to average assets | 3.3662% | 1,421 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5510% | 4,493 |
| Return on assets (ROA) | 0.5797% | 4,488 |
| Pretax return on assets | 0.9400% | 3,846 |
| Return on Equity (ROE) | 5.4224% | 4,343 |
| Retained earnings to average equity (ytd only) | 4.1995% | 3,338 |
| Net charge-offs to loans | -0.2044% | 5,769 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9909% | 1,561 |
| Assets per employee ($millions) | 2.9958% | 5,397 |
| Cash dividends to net income (ytd only)* | 22.5519% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9664% | 195 |
| Loan loss allowance to noncurrent loans | 106.0273% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 1.4542% | 1,254 |
| Noncurrent loans to loans | 2.7978% | 573 |
| Net loans and leases to total assets | 49.6498% | 4,846 |
| Net loans and leases to deposits | 56.2490% | 4,978 |
| Net loans and leases to core deposits | 58.1643% | 5,044 |
| Total domestic deposits to total assets | 88.2679% | 1,254 |
| Equity capital to assets | 10.6551% | 3,403 |
| Core capital (leverage) ratio | 10.8702% | 2,603 |
| Tier 1 risk-based capital ratio | 17.3154% | 2,125 |
| Total risk-based capital ratio | 18.5806% | 2,083 |
| Memoranda: | ||
| Average total assets | $155,029,000 | 3,466 |
| Average earning assets | $131,550,750 | 3,644 |
| Average equity | $16,572,750 | 3,647 |
| Average total loans | $82,846,750 | 3,762 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3299% | 2,052 |
| Cost of funding earning assets | 0.4312% | 2,726 |
| Net interest margin | 3.8988% | 1,983 |
| Noninterest income to average assets | 0.8844% | 1,420 |
| Noninterest expense to average assets | 3.3672% | 1,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5413% | 4,514 |
| Return on assets (ROA) | 0.5696% | 4,528 |
| Pretax return on assets | 0.9247% | 3,859 |
| Return on Equity (ROE) | 5.3227% | 4,368 |
| Retained earnings to average equity (ytd only) | 4.4721% | 3,069 |
| Net charge-offs to loans | -0.3118% | 5,894 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2713% | 1,597 |
| Assets per employee ($millions) | 2.6443% | 5,712 |
| Cash dividends to net income (ytd only)* | 15.9817% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9252% | 214 |
| Loan loss allowance to noncurrent loans | 121.0738% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 1.3236% | 1,522 |
| Noncurrent loans to loans | 2.4161% | 742 |
| Net loans and leases to total assets | 52.2110% | 4,656 |
| Net loans and leases to deposits | 59.2822% | 4,839 |
| Net loans and leases to core deposits | 61.6230% | 4,903 |
| Total domestic deposits to total assets | 88.0720% | 1,393 |
| Equity capital to assets | 10.9246% | 3,144 |
| Core capital (leverage) ratio | 10.7690% | 2,679 |
| Tier 1 risk-based capital ratio | 17.1531% | 2,164 |
| Total risk-based capital ratio | 18.4180% | 2,123 |
| Memoranda: | ||
| Average total assets | $153,779,330 | 3,499 |
| Average earning assets | $132,657,670 | 3,649 |
| Average equity | $16,457,670 | 3,668 |
| Average total loans | $83,381,330 | 3,770 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2826% | 2,193 |
| Cost of funding earning assets | 0.4307% | 2,765 |
| Net interest margin | 3.8519% | 2,095 |
| Noninterest income to average assets | 0.9040% | 1,303 |
| Noninterest expense to average assets | 3.3328% | 1,521 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5459% | 4,442 |
| Return on assets (ROA) | 0.5559% | 4,492 |
| Pretax return on assets | 0.9092% | 3,808 |
| Return on Equity (ROE) | 5.2486% | 4,361 |
| Retained earnings to average equity (ytd only) | 4.5128% | 3,231 |
| Net charge-offs to loans | -0.6299% | 6,014 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8568% | 1,773 |
| Assets per employee ($millions) | 2.7674% | 5,696 |
| Cash dividends to net income (ytd only)* | 14.0187% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9255% | 237 |
| Loan loss allowance to noncurrent loans | 123.9097% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 1.2822% | 1,683 |
| Noncurrent loans to loans | 2.3610% | 833 |
| Net loans and leases to total assets | 51.7087% | 4,652 |
| Net loans and leases to deposits | 58.4766% | 4,823 |
| Net loans and leases to core deposits | 60.8722% | 4,880 |
| Total domestic deposits to total assets | 88.4263% | 1,389 |
| Equity capital to assets | 10.6626% | 3,301 |
| Core capital (leverage) ratio | 10.6795% | 2,757 |
| Tier 1 risk-based capital ratio | 17.1290% | 2,243 |
| Total risk-based capital ratio | 18.3938% | 2,203 |
| Memoranda: | ||
| Average total assets | $153,984,000 | 3,520 |
| Average earning assets | $132,817,500 | 3,668 |
| Average equity | $16,309,000 | 3,694 |
| Average total loans | $83,827,500 | 3,763 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3289% | 2,122 |
| Cost of funding earning assets | 0.4375% | 2,760 |
| Net interest margin | 3.8914% | 2,060 |
| Noninterest income to average assets | 0.9370% | 1,345 |
| Noninterest expense to average assets | 3.5258% | 1,250 |
| Loan and lease loss provision to assets | 0.0234% | 3,914 |
| Net operating income to assets | 0.5335% | 4,569 |
| Return on assets (ROA) | 0.5626% | 4,543 |
| Pretax return on assets | 0.8453% | 4,040 |
| Return on Equity (ROE) | 5.3451% | 4,349 |
| Retained earnings to average equity (ytd only) | 4.3397% | 2,893 |
| Net charge-offs to loans | -0.3410% | 6,031 |
| Credit loss provision to net charge-offs | -12.5000% | 4,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0345% | 1,532 |
| Assets per employee ($millions) | 2.5499% | 5,863 |
| Cash dividends to net income (ytd only)* | 18.8095% | 3,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6825% | 323 |
| Loan loss allowance to noncurrent loans | 95.9647% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.5804% | 1,255 |
| Noncurrent loans to loans | 2.7953% | 613 |
| Net loans and leases to total assets | 54.1341% | 4,489 |
| Net loans and leases to deposits | 61.1773% | 4,692 |
| Net loans and leases to core deposits | 63.8239% | 4,744 |
| Total domestic deposits to total assets | 88.4873% | 1,388 |
| Equity capital to assets | 10.5192% | 3,338 |
| Core capital (leverage) ratio | 10.7656% | 2,639 |
| Tier 1 risk-based capital ratio | 16.6583% | 2,404 |
| Total risk-based capital ratio | 17.9218% | 2,357 |
| Memoranda: | ||
| Average total assets | $149,299,000 | 3,579 |
| Average earning assets | $130,980,200 | 3,682 |
| Average equity | $15,715,200 | 3,726 |
| Average total loans | $82,119,400 | 3,772 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3300% | 2,140 |
| Cost of funding earning assets | 0.4412% | 2,785 |
| Net interest margin | 3.8889% | 2,072 |
| Noninterest income to average assets | 0.9516% | 1,313 |
| Noninterest expense to average assets | 3.5216% | 1,250 |
| Loan and lease loss provision to assets | 0.0315% | 3,609 |
| Net operating income to assets | 0.5053% | 4,767 |
| Return on assets (ROA) | 0.5410% | 4,722 |
| Pretax return on assets | 0.8761% | 4,062 |
| Return on Equity (ROE) | 5.1384% | 4,561 |
| Retained earnings to average equity (ytd only) | 4.0458% | 3,581 |
| Net charge-offs to loans | -0.1557% | 5,926 |
| Credit loss provision to net charge-offs | -36.8421% | 4,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5219% | 1,576 |
| Assets per employee ($millions) | 2.6127% | 5,900 |
| Cash dividends to net income (ytd only)* | 21.2621% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5451% | 410 |
| Loan loss allowance to noncurrent loans | 116.7501% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.2718% | 1,838 |
| Noncurrent loans to loans | 2.1799% | 1,019 |
| Net loans and leases to total assets | 53.9450% | 4,571 |
| Net loans and leases to deposits | 61.2971% | 4,770 |
| Net loans and leases to core deposits | 64.0347% | 4,815 |
| Total domestic deposits to total assets | 88.0058% | 1,549 |
| Equity capital to assets | 10.7009% | 3,359 |
| Core capital (leverage) ratio | 10.8289% | 2,671 |
| Tier 1 risk-based capital ratio | 17.0508% | 2,358 |
| Total risk-based capital ratio | 18.3119% | 2,303 |
| Memoranda: | ||
| Average total assets | $148,374,750 | 3,627 |
| Average earning assets | $130,557,250 | 3,715 |
| Average equity | $15,620,500 | 3,780 |
| Average total loans | $81,372,750 | 3,821 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3124% | 2,130 |
| Cost of funding earning assets | 0.4412% | 2,825 |
| Net interest margin | 3.8712% | 2,073 |
| Noninterest income to average assets | 0.9528% | 1,292 |
| Noninterest expense to average assets | 3.4955% | 1,303 |
| Loan and lease loss provision to assets | 0.0472% | 3,178 |
| Net operating income to assets | 0.5025% | 4,759 |
| Return on assets (ROA) | 0.5560% | 4,642 |
| Pretax return on assets | 0.9042% | 3,942 |
| Return on Equity (ROE) | 5.3109% | 4,477 |
| Retained earnings to average equity (ytd only) | 3.6480% | 3,703 |
| Net charge-offs to loans | -0.2715% | 6,098 |
| Credit loss provision to net charge-offs | -31.8182% | 4,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1114% | 1,740 |
| Assets per employee ($millions) | 2.4953% | 6,032 |
| Cash dividends to net income (ytd only)* | 31.3107% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5983% | 432 |
| Loan loss allowance to noncurrent loans | 112.7535% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 1.4148% | 1,771 |
| Noncurrent loans to loans | 2.3044% | 1,019 |
| Net loans and leases to total assets | 53.8006% | 4,577 |
| Net loans and leases to deposits | 60.8342% | 4,788 |
| Net loans and leases to core deposits | 63.5596% | 4,841 |
| Total domestic deposits to total assets | 88.4381% | 1,428 |
| Equity capital to assets | 10.4106% | 3,548 |
| Core capital (leverage) ratio | 10.6140% | 2,834 |
| Tier 1 risk-based capital ratio | 17.5878% | 2,189 |
| Total risk-based capital ratio | 18.8509% | 2,139 |
| Memoranda: | ||
| Average total assets | $148,192,330 | 3,654 |
| Average earning assets | $130,554,330 | 3,740 |
| Average equity | $15,515,330 | 3,810 |
| Average total loans | $81,019,000 | 3,847 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3167% | 2,040 |
| Cost of funding earning assets | 0.4468% | 2,801 |
| Net interest margin | 3.8699% | 1,998 |
| Noninterest income to average assets | 0.9201% | 1,327 |
| Noninterest expense to average assets | 3.4410% | 1,421 |
| Loan and lease loss provision to assets | 0.0942% | 2,111 |
| Net operating income to assets | 0.4582% | 4,840 |
| Return on assets (ROA) | 0.5650% | 4,527 |
| Pretax return on assets | 0.9309% | 3,778 |
| Return on Equity (ROE) | 5.3813% | 4,339 |
| Retained earnings to average equity (ytd only) | 5.3813% | 2,842 |
| Net charge-offs to loans | -0.1781% | 6,023 |
| Credit loss provision to net charge-offs | -97.2222% | 4,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0375% | 1,895 |
| Assets per employee ($millions) | 2.6051% | 6,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5199% | 517 |
| Loan loss allowance to noncurrent loans | 93.8334% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.6021% | 1,598 |
| Noncurrent loans to loans | 2.6855% | 880 |
| Net loans and leases to total assets | 53.1183% | 4,543 |
| Net loans and leases to deposits | 60.2367% | 4,729 |
| Net loans and leases to core deposits | 62.7907% | 4,794 |
| Total domestic deposits to total assets | 88.1826% | 1,716 |
| Equity capital to assets | 10.6746% | 3,340 |
| Core capital (leverage) ratio | 10.6363% | 2,811 |
| Tier 1 risk-based capital ratio | 17.5266% | 2,288 |
| Total risk-based capital ratio | 18.7890% | 2,243 |
| Memoranda: | ||
| Average total assets | $148,676,000 | 3,674 |
| Average earning assets | $129,822,000 | 3,784 |
| Average equity | $15,609,500 | 3,815 |
| Average total loans | $80,868,000 | 3,867 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4431% | 2,095 |
| Cost of funding earning assets | 0.4814% | 2,866 |
| Net interest margin | 3.9617% | 2,005 |
| Noninterest income to average assets | 1.3597% | 659 |
| Noninterest expense to average assets | 3.4950% | 1,495 |
| Loan and lease loss provision to assets | 0.2748% | 782 |
| Net operating income to assets | 0.7532% | 3,618 |
| Return on assets (ROA) | 0.7749% | 3,591 |
| Pretax return on assets | 1.0883% | 3,129 |
| Return on Equity (ROE) | 8.0826% | 3,085 |
| Retained earnings to average equity (ytd only) | 7.9410% | 1,043 |
| Net charge-offs to loans | -0.7437% | 6,431 |
| Credit loss provision to net charge-offs | -69.2308% | 5,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3963% | 3,138 |
| Assets per employee ($millions) | 2.5665% | 6,126 |
| Cash dividends to net income (ytd only)* | 1.7513% | 4,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4350% | 599 |
| Loan loss allowance to noncurrent loans | 71.6679% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 1.9730% | 1,301 |
| Noncurrent loans to loans | 3.3977% | 618 |
| Net loans and leases to total assets | 52.9709% | 4,688 |
| Net loans and leases to deposits | 59.8152% | 4,917 |
| Net loans and leases to core deposits | 62.3651% | 4,974 |
| Total domestic deposits to total assets | 88.5576% | 1,490 |
| Equity capital to assets | 10.3239% | 3,694 |
| Core capital (leverage) ratio | 10.4061% | 3,056 |
| Tier 1 risk-based capital ratio | 17.2371% | 2,406 |
| Total risk-based capital ratio | 18.4987% | 2,360 |
| Memoranda: | ||
| Average total assets | $147,381,800 | 3,674 |
| Average earning assets | $129,009,600 | 3,788 |
| Average equity | $14,129,200 | 4,003 |
| Average total loans | $78,658,400 | 3,911 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4197% | 2,158 |
| Cost of funding earning assets | 0.4805% | 2,951 |
| Net interest margin | 3.9392% | 2,080 |
| Noninterest income to average assets | 1.4538% | 594 |
| Noninterest expense to average assets | 3.5080% | 1,445 |
| Loan and lease loss provision to assets | 0.2721% | 767 |
| Net operating income to assets | 0.7881% | 3,476 |
| Return on assets (ROA) | 0.7881% | 3,583 |
| Pretax return on assets | 1.1382% | 3,038 |
| Return on Equity (ROE) | 8.3841% | 2,993 |
| Retained earnings to average equity (ytd only) | 8.1911% | 1,272 |
| Net charge-offs to loans | -0.7186% | 6,497 |
| Credit loss provision to net charge-offs | -71.2589% | 5,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3258% | 3,291 |
| Assets per employee ($millions) | 2.5042% | 6,225 |
| Cash dividends to net income (ytd only)* | 2.3018% | 3,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0690% | 1,136 |
| Loan loss allowance to noncurrent loans | 115.0305% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 1.1636% | 2,620 |
| Noncurrent loans to loans | 1.7986% | 1,803 |
| Net loans and leases to total assets | 55.3694% | 4,411 |
| Net loans and leases to deposits | 62.5464% | 4,691 |
| Net loans and leases to core deposits | 65.2783% | 4,773 |
| Total domestic deposits to total assets | 88.5253% | 1,486 |
| Equity capital to assets | 10.0619% | 4,092 |
| Core capital (leverage) ratio | 10.4360% | 3,111 |
| Tier 1 risk-based capital ratio | 16.7154% | 2,719 |
| Total risk-based capital ratio | 17.9727% | 2,671 |
| Memoranda: | ||
| Average total assets | $147,012,500 | 3,704 |
| Average earning assets | $129,297,000 | 3,800 |
| Average equity | $13,819,500 | 4,073 |
| Average total loans | $78,118,000 | 3,959 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4520% | 1,987 |
| Cost of funding earning assets | 0.4862% | 2,964 |
| Net interest margin | 3.9658% | 1,915 |
| Noninterest income to average assets | 1.5284% | 527 |
| Noninterest expense to average assets | 3.4850% | 1,507 |
| Loan and lease loss provision to assets | 0.2642% | 788 |
| Net operating income to assets | 0.8835% | 2,895 |
| Return on assets (ROA) | 0.8835% | 2,983 |
| Pretax return on assets | 1.2276% | 2,547 |
| Return on Equity (ROE) | 9.6203% | 2,312 |
| Retained earnings to average equity (ytd only) | 9.3252% | 878 |
| Net charge-offs to loans | 0.1954% | 1,854 |
| Credit loss provision to net charge-offs | 260.0000% | 965 |
| Earnings coverage of net charge-offs (x) | 14.6800% | 1,898 |
| Efficiency ratio | 70.0245% | 3,657 |
| Assets per employee ($millions) | 2.5092% | 6,288 |
| Cash dividends to net income (ytd only)* | 3.0675% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 3,267 |
| Loan loss allowance to noncurrent loans | 75.4639% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 1.1564% | 2,766 |
| Noncurrent loans to loans | 1.8754% | 1,832 |
| Net loans and leases to total assets | 52.5568% | 4,688 |
| Net loans and leases to deposits | 59.0820% | 4,940 |
| Net loans and leases to core deposits | 61.6413% | 4,999 |
| Total domestic deposits to total assets | 88.9557% | 1,380 |
| Equity capital to assets | 9.7690% | 4,408 |
| Core capital (leverage) ratio | 10.1944% | 3,347 |
| Tier 1 risk-based capital ratio | 16.9899% | 2,624 |
| Total risk-based capital ratio | 18.2288% | 2,587 |
| Memoranda: | ||
| Average total assets | $147,603,000 | 3,717 |
| Average earning assets | $128,346,330 | 3,847 |
| Average equity | $13,554,670 | 4,125 |
| Average total loans | $76,784,670 | 4,013 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4142% | 2,087 |
| Cost of funding earning assets | 0.4912% | 2,999 |
| Net interest margin | 3.9231% | 2,001 |
| Noninterest income to average assets | 1.8299% | 390 |
| Noninterest expense to average assets | 3.4930% | 1,500 |
| Loan and lease loss provision to assets | 0.2422% | 904 |
| Net operating income to assets | 1.1572% | 1,605 |
| Return on assets (ROA) | 1.1572% | 1,677 |
| Pretax return on assets | 1.4693% | 1,517 |
| Return on Equity (ROE) | 13.0071% | 1,159 |
| Retained earnings to average equity (ytd only) | 13.0071% | 484 |
| Net charge-offs to loans | 0.3561% | 1,005 |
| Credit loss provision to net charge-offs | 132.3529% | 1,364 |
| Earnings coverage of net charge-offs (x) | 9.3529% | 1,939 |
| Efficiency ratio | 67.1148% | 4,345 |
| Assets per employee ($millions) | 2.5625% | 6,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 4,081 |
| Loan loss allowance to noncurrent loans | 121.0654% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 0.7273% | 3,942 |
| Noncurrent loans to loans | 1.0817% | 3,256 |
| Net loans and leases to total assets | 50.7055% | 4,828 |
| Net loans and leases to deposits | 56.5284% | 5,073 |
| Net loans and leases to core deposits | 58.9125% | 5,134 |
| Total domestic deposits to total assets | 89.6990% | 1,244 |
| Equity capital to assets | 9.1679% | 4,914 |
| Core capital (leverage) ratio | 9.8881% | 3,734 |
| Tier 1 risk-based capital ratio | 16.7567% | 2,786 |
| Total risk-based capital ratio | 17.8846% | 2,808 |
| Memoranda: | ||
| Average total assets | $148,638,500 | 3,720 |
| Average earning assets | $127,859,500 | 3,894 |
| Average equity | $13,223,500 | 4,198 |
| Average total loans | $76,384,500 | 4,051 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4611% | 2,356 |
| Cost of funding earning assets | 0.5516% | 3,093 |
| Net interest margin | 3.9095% | 2,257 |
| Noninterest income to average assets | 1.0157% | 1,358 |
| Noninterest expense to average assets | 3.3805% | 1,924 |
| Loan and lease loss provision to assets | 1.1438% | 149 |
| Net operating income to assets | -0.0557% | 6,258 |
| Return on assets (ROA) | -0.0549% | 6,290 |
| Pretax return on assets | -0.1582% | 6,329 |
| Return on Equity (ROE) | -0.5938% | 6,301 |
| Retained earnings to average equity (ytd only) | -1.1594% | 6,085 |
| Net charge-offs to loans | 2.9388% | 85 |
| Credit loss provision to net charge-offs | 77.4336% | 3,109 |
| Earnings coverage of net charge-offs (x) | 0.6664% | 4,865 |
| Efficiency ratio | 77.4483% | 2,550 |
| Assets per employee ($millions) | 2.5629% | 6,357 |
| Cash dividends to net income (ytd only)* | -95.2381% | 6,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 4,242 |
| Loan loss allowance to noncurrent loans | 136.9748% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.6680% | 4,237 |
| Noncurrent loans to loans | 0.9345% | 3,655 |
| Net loans and leases to total assets | 50.7427% | 4,996 |
| Net loans and leases to deposits | 56.2601% | 5,280 |
| Net loans and leases to core deposits | 58.4010% | 5,355 |
| Total domestic deposits to total assets | 90.1931% | 975 |
| Equity capital to assets | 8.6250% | 5,455 |
| Core capital (leverage) ratio | 9.5599% | 4,174 |
| Tier 1 risk-based capital ratio | 16.2459% | 2,989 |
| Total risk-based capital ratio | 17.3472% | 3,009 |
| Memoranda: | ||
| Average total assets | $152,995,600 | 3,657 |
| Average earning assets | $131,065,600 | 3,823 |
| Average equity | $14,145,200 | 4,038 |
| Average total loans | $76,901,600 | 4,031 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3933% | 2,616 |
| Cost of funding earning assets | 0.5642% | 3,130 |
| Net interest margin | 3.8291% | 2,542 |
| Noninterest income to average assets | 1.0263% | 1,382 |
| Noninterest expense to average assets | 3.3609% | 1,918 |
| Loan and lease loss provision to assets | 0.1298% | 2,667 |
| Net operating income to assets | 0.5008% | 4,787 |
| Return on assets (ROA) | 0.5019% | 4,947 |
| Pretax return on assets | 0.8143% | 4,242 |
| Return on Equity (ROE) | 5.3419% | 4,541 |
| Retained earnings to average equity (ytd only) | 4.6051% | 3,392 |
| Net charge-offs to loans | 0.6664% | 906 |
| Credit loss provision to net charge-offs | 38.9610% | 3,725 |
| Earnings coverage of net charge-offs (x) | 2.8286% | 3,891 |
| Efficiency ratio | 78.1017% | 2,407 |
| Assets per employee ($millions) | 2.5912% | 6,389 |
| Cash dividends to net income (ytd only)* | 13.7927% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6103% | 2,963 |
| Loan loss allowance to noncurrent loans | 42.5034% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 2.2377% | 1,774 |
| Noncurrent loans to loans | 3.7887% | 961 |
| Net loans and leases to total assets | 51.8348% | 4,891 |
| Net loans and leases to deposits | 58.0301% | 5,188 |
| Net loans and leases to core deposits | 60.2705% | 5,275 |
| Total domestic deposits to total assets | 89.3240% | 1,396 |
| Equity capital to assets | 9.3076% | 4,795 |
| Core capital (leverage) ratio | 9.8892% | 3,830 |
| Tier 1 risk-based capital ratio | 16.8550% | 2,768 |
| Total risk-based capital ratio | 18.1071% | 2,724 |
| Memoranda: | ||
| Average total assets | $154,082,000 | 3,672 |
| Average earning assets | $131,863,250 | 3,840 |
| Average equity | $14,476,250 | 4,019 |
| Average total loans | $77,025,250 | 4,056 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 2,610 |
| Cost of funding earning assets | 0.5734% | 3,182 |
| Net interest margin | 3.8145% | 2,494 |
| Noninterest income to average assets | 1.0051% | 1,523 |
| Noninterest expense to average assets | 3.3160% | 2,033 |
| Loan and lease loss provision to assets | 0.1152% | 2,886 |
| Net operating income to assets | 0.4977% | 4,810 |
| Return on assets (ROA) | 0.4993% | 4,976 |
| Pretax return on assets | 0.8130% | 4,262 |
| Return on Equity (ROE) | 5.2992% | 4,566 |
| Retained earnings to average equity (ytd only) | 4.2121% | 3,613 |
| Net charge-offs to loans | 0.3100% | 1,945 |
| Credit loss provision to net charge-offs | 75.6303% | 2,710 |
| Earnings coverage of net charge-offs (x) | 6.0756% | 2,776 |
| Efficiency ratio | 78.1769% | 2,430 |
| Assets per employee ($millions) | 2.7938% | 6,173 |
| Cash dividends to net income (ytd only)* | 20.5128% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8932% | 2,129 |
| Loan loss allowance to noncurrent loans | 53.9970% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 1.8495% | 2,345 |
| Noncurrent loans to loans | 3.5062% | 1,213 |
| Net loans and leases to total assets | 46.6582% | 5,459 |
| Net loans and leases to deposits | 51.7261% | 5,705 |
| Net loans and leases to core deposits | 53.5185% | 5,794 |
| Total domestic deposits to total assets | 90.2024% | 906 |
| Equity capital to assets | 8.6189% | 5,647 |
| Core capital (leverage) ratio | 9.8438% | 3,729 |
| Tier 1 risk-based capital ratio | 16.8122% | 2,781 |
| Total risk-based capital ratio | 18.0669% | 2,754 |
| Memoranda: | ||
| Average total assets | $156,210,670 | 3,668 |
| Average earning assets | $132,545,670 | 3,855 |
| Average equity | $14,719,330 | 4,001 |
| Average total loans | $76,763,330 | 4,080 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4500% | 2,346 |
| Cost of funding earning assets | 0.6067% | 3,046 |
| Net interest margin | 3.8433% | 2,308 |
| Noninterest income to average assets | 1.0385% | 1,370 |
| Noninterest expense to average assets | 3.4443% | 1,734 |
| Loan and lease loss provision to assets | 0.1174% | 2,770 |
| Net operating income to assets | 0.4481% | 4,920 |
| Return on assets (ROA) | 0.4514% | 5,064 |
| Pretax return on assets | 0.7384% | 4,417 |
| Return on Equity (ROE) | 4.5840% | 4,799 |
| Retained earnings to average equity (ytd only) | 4.5840% | 3,487 |
| Net charge-offs to loans | 0.0052% | 4,060 |
| Credit loss provision to net charge-offs | 4,500.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 326.0000% | 116 |
| Efficiency ratio | 80.1944% | 2,310 |
| Assets per employee ($millions) | 2.6535% | 6,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0097% | 2,018 |
| Loan loss allowance to noncurrent loans | 57.0790% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 2.0441% | 2,291 |
| Noncurrent loans to loans | 3.5209% | 1,359 |
| Net loans and leases to total assets | 48.5364% | 5,171 |
| Net loans and leases to deposits | 54.4616% | 5,399 |
| Net loans and leases to core deposits | 56.4516% | 5,482 |
| Total domestic deposits to total assets | 89.1204% | 1,613 |
| Equity capital to assets | 9.8231% | 4,393 |
| Core capital (leverage) ratio | 9.7330% | 3,750 |
| Tier 1 risk-based capital ratio | 17.0799% | 2,710 |
| Total risk-based capital ratio | 18.3363% | 2,681 |
| Memoranda: | ||
| Average total assets | $153,296,000 | 3,755 |
| Average earning assets | $129,888,500 | 3,942 |
| Average equity | $15,096,000 | 3,977 |
| Average total loans | $76,613,000 | 4,117 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 2,506 |
| Cost of funding earning assets | 0.8266% | 2,447 |
| Net interest margin | 3.8960% | 2,845 |
| Noninterest income to average assets | 1.1546% | 1,171 |
| Noninterest expense to average assets | 3.1689% | 2,718 |
| Loan and lease loss provision to assets | 0.1172% | 4,158 |
| Net operating income to assets | 0.8478% | 3,057 |
| Return on assets (ROA) | 0.8538% | 3,270 |
| Pretax return on assets | 1.2074% | 2,782 |
| Return on Equity (ROE) | 9.0584% | 2,615 |
| Retained earnings to average equity (ytd only) | 7.7387% | 1,216 |
| Net charge-offs to loans | 0.0954% | 4,715 |
| Credit loss provision to net charge-offs | 243.2432% | 1,014 |
| Earnings coverage of net charge-offs (x) | 27.3108% | 1,073 |
| Efficiency ratio | 70.6549% | 3,684 |
| Assets per employee ($millions) | 2.6326% | 6,505 |
| Cash dividends to net income (ytd only)* | 14.5690% | 3,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9326% | 2,191 |
| Loan loss allowance to noncurrent loans | 56.8590% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 2.0100% | 2,441 |
| Noncurrent loans to loans | 3.3989% | 1,482 |
| Net loans and leases to total assets | 49.4515% | 5,247 |
| Net loans and leases to deposits | 55.6725% | 5,477 |
| Net loans and leases to core deposits | 57.7253% | 5,575 |
| Total domestic deposits to total assets | 88.8257% | 1,692 |
| Equity capital to assets | 9.8724% | 4,347 |
| Core capital (leverage) ratio | 9.5255% | 4,070 |
| Tier 1 risk-based capital ratio | 16.9860% | 2,660 |
| Total risk-based capital ratio | 18.2421% | 2,624 |
| Memoranda: | ||
| Average total assets | $153,553,600 | 3,719 |
| Average earning assets | $131,261,600 | 3,864 |
| Average equity | $14,472,800 | 4,069 |
| Average total loans | $77,585,800 | 4,106 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7462% | 2,596 |
| Cost of funding earning assets | 0.8780% | 2,329 |
| Net interest margin | 3.8682% | 3,036 |
| Noninterest income to average assets | 1.2286% | 988 |
| Noninterest expense to average assets | 3.1926% | 2,588 |
| Loan and lease loss provision to assets | 0.1171% | 4,091 |
| Net operating income to assets | 0.8546% | 3,191 |
| Return on assets (ROA) | 0.8619% | 3,411 |
| Pretax return on assets | 1.2339% | 2,856 |
| Return on Equity (ROE) | 9.2533% | 2,696 |
| Retained earnings to average equity (ytd only) | 7.4752% | 1,862 |
| Net charge-offs to loans | 0.0206% | 5,384 |
| Credit loss provision to net charge-offs | 1,125.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 128.8300% | 341 |
| Efficiency ratio | 70.4285% | 3,607 |
| Assets per employee ($millions) | 2.7728% | 6,390 |
| Cash dividends to net income (ytd only)* | 19.2153% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9335% | 2,379 |
| Loan loss allowance to noncurrent loans | 141.5804% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.8739% | 4,536 |
| Noncurrent loans to loans | 1.3656% | 3,741 |
| Net loans and leases to total assets | 49.1605% | 5,421 |
| Net loans and leases to deposits | 55.3133% | 5,686 |
| Net loans and leases to core deposits | 57.8314% | 5,744 |
| Total domestic deposits to total assets | 88.8765% | 1,498 |
| Equity capital to assets | 9.5547% | 5,136 |
| Core capital (leverage) ratio | 9.2819% | 4,618 |
| Tier 1 risk-based capital ratio | 16.3912% | 3,067 |
| Total risk-based capital ratio | 17.6476% | 3,029 |
| Memoranda: | ||
| Average total assets | $153,769,750 | 3,756 |
| Average earning assets | $131,358,250 | 3,907 |
| Average equity | $14,322,500 | 4,139 |
| Average total loans | $77,733,500 | 4,145 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8006% | 2,507 |
| Cost of funding earning assets | 0.9221% | 2,245 |
| Net interest margin | 3.8785% | 3,005 |
| Noninterest income to average assets | 0.9565% | 1,591 |
| Noninterest expense to average assets | 3.1344% | 2,807 |
| Loan and lease loss provision to assets | 0.1174% | 4,054 |
| Net operating income to assets | 0.6193% | 4,282 |
| Return on assets (ROA) | 0.6277% | 4,487 |
| Pretax return on assets | 1.0217% | 3,622 |
| Return on Equity (ROE) | 6.7979% | 3,890 |
| Retained earnings to average equity (ytd only) | 4.0986% | 3,879 |
| Net charge-offs to loans | 0.0154% | 5,207 |
| Credit loss provision to net charge-offs | 1,500.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 143.8333% | 314 |
| Efficiency ratio | 73.5681% | 3,149 |
| Assets per employee ($millions) | 2.6950% | 6,533 |
| Cash dividends to net income (ytd only)* | 39.7089% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9040% | 2,549 |
| Loan loss allowance to noncurrent loans | 188.4319% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.8424% | 4,706 |
| Noncurrent loans to loans | 1.0105% | 4,489 |
| Net loans and leases to total assets | 49.1674% | 5,461 |
| Net loans and leases to deposits | 55.1525% | 5,748 |
| Net loans and leases to core deposits | 57.1316% | 5,853 |
| Total domestic deposits to total assets | 89.1481% | 1,420 |
| Equity capital to assets | 9.3429% | 5,263 |
| Core capital (leverage) ratio | 9.0120% | 4,896 |
| Tier 1 risk-based capital ratio | 15.9418% | 3,190 |
| Total risk-based capital ratio | 17.1977% | 3,155 |
| Memoranda: | ||
| Average total assets | $153,268,000 | 3,783 |
| Average earning assets | $130,567,000 | 3,946 |
| Average equity | $14,151,330 | 4,169 |
| Average total loans | $77,698,330 | 4,164 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7520% | 2,841 |
| Cost of funding earning assets | 0.9657% | 2,189 |
| Net interest margin | 3.7863% | 3,455 |
| Noninterest income to average assets | 0.9406% | 1,596 |
| Noninterest expense to average assets | 3.1066% | 2,895 |
| Loan and lease loss provision to assets | 0.1176% | 3,874 |
| Net operating income to assets | 0.5807% | 4,439 |
| Return on assets (ROA) | 0.5957% | 4,577 |
| Pretax return on assets | 0.9667% | 3,808 |
| Return on Equity (ROE) | 6.4906% | 4,046 |
| Retained earnings to average equity (ytd only) | 6.4906% | 2,691 |
| Net charge-offs to loans | 0.0359% | 4,190 |
| Credit loss provision to net charge-offs | 642.8571% | 533 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 565 |
| Efficiency ratio | 74.5455% | 3,013 |
| Assets per employee ($millions) | 2.7575% | 6,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8487% | 2,847 |
| Loan loss allowance to noncurrent loans | 213.5338% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.8004% | 4,944 |
| Noncurrent loans to loans | 0.8658% | 4,939 |
| Net loans and leases to total assets | 48.8214% | 5,450 |
| Net loans and leases to deposits | 54.4517% | 5,765 |
| Net loans and leases to core deposits | 56.4372% | 5,869 |
| Total domestic deposits to total assets | 89.6600% | 1,264 |
| Equity capital to assets | 9.0765% | 5,390 |
| Core capital (leverage) ratio | 8.9593% | 4,903 |
| Tier 1 risk-based capital ratio | 15.8019% | 3,280 |
| Total risk-based capital ratio | 17.0569% | 3,248 |
| Memoranda: | ||
| Average total assets | $153,095,000 | 3,820 |
| Average earning assets | $130,472,000 | 3,979 |
| Average equity | $14,051,000 | 4,189 |
| Average total loans | $78,050,500 | 4,181 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2159% | 2,002 |
| Cost of funding earning assets | 1.1990% | 2,029 |
| Net interest margin | 4.0169% | 2,804 |
| Noninterest income to average assets | 1.0804% | 1,141 |
| Noninterest expense to average assets | 3.3845% | 2,282 |
| Loan and lease loss provision to assets | 0.1206% | 5,094 |
| Net operating income to assets | 0.6092% | 3,955 |
| Return on assets (ROA) | 0.6383% | 3,990 |
| Pretax return on assets | 0.9773% | 3,329 |
| Return on Equity (ROE) | 7.0952% | 3,359 |
| Retained earnings to average equity (ytd only) | 5.5690% | 2,259 |
| Net charge-offs to loans | 0.1501% | 4,943 |
| Credit loss provision to net charge-offs | 146.3415% | 1,956 |
| Earnings coverage of net charge-offs (x) | 12.7805% | 1,594 |
| Efficiency ratio | 76.2717% | 2,843 |
| Assets per employee ($millions) | 2.6626% | 6,655 |
| Cash dividends to net income (ytd only)* | 21.5110% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7429% | 3,049 |
| Loan loss allowance to noncurrent loans | 235.8362% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.9363% | 4,734 |
| Noncurrent loans to loans | 0.7390% | 5,221 |
| Net loans and leases to total assets | 51.3336% | 5,416 |
| Net loans and leases to deposits | 57.5271% | 5,752 |
| Net loans and leases to core deposits | 59.4086% | 5,893 |
| Total domestic deposits to total assets | 89.2337% | 1,402 |
| Equity capital to assets | 9.2811% | 5,170 |
| Core capital (leverage) ratio | 8.8331% | 5,053 |
| Tier 1 risk-based capital ratio | 15.3967% | 3,390 |
| Total risk-based capital ratio | 16.6505% | 3,342 |
| Memoranda: | ||
| Average total assets | $149,296,200 | 3,817 |
| Average earning assets | $124,773,400 | 4,043 |
| Average equity | $13,431,600 | 4,253 |
| Average total loans | $81,961,600 | 4,083 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2783% | 1,949 |
| Cost of funding earning assets | 1.2343% | 2,091 |
| Net interest margin | 4.0440% | 2,718 |
| Noninterest income to average assets | 1.1335% | 1,029 |
| Noninterest expense to average assets | 3.4786% | 1,997 |
| Loan and lease loss provision to assets | 0.1211% | 4,921 |
| Net operating income to assets | 0.5620% | 4,261 |
| Return on assets (ROA) | 0.5981% | 4,274 |
| Pretax return on assets | 0.9721% | 3,512 |
| Return on Equity (ROE) | 6.7027% | 3,664 |
| Retained earnings to average equity (ytd only) | 4.6426% | 3,417 |
| Net charge-offs to loans | 0.1985% | 4,208 |
| Credit loss provision to net charge-offs | 109.7561% | 3,010 |
| Earnings coverage of net charge-offs (x) | 9.3981% | 2,055 |
| Efficiency ratio | 77.0407% | 2,672 |
| Assets per employee ($millions) | 2.6150% | 6,762 |
| Cash dividends to net income (ytd only)* | 30.7351% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6299% | 3,530 |
| Loan loss allowance to noncurrent loans | 228.5470% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.9481% | 4,854 |
| Noncurrent loans to loans | 0.7132% | 5,450 |
| Net loans and leases to total assets | 53.2023% | 5,291 |
| Net loans and leases to deposits | 59.8592% | 5,647 |
| Net loans and leases to core deposits | 61.8164% | 5,829 |
| Total domestic deposits to total assets | 88.8791% | 1,496 |
| Equity capital to assets | 9.1752% | 5,548 |
| Core capital (leverage) ratio | 8.8719% | 5,155 |
| Tier 1 risk-based capital ratio | 14.7472% | 3,805 |
| Total risk-based capital ratio | 16.0000% | 3,781 |
| Memoranda: | ||
| Average total assets | $148,677,750 | 3,846 |
| Average earning assets | $124,330,250 | 4,076 |
| Average equity | $13,268,000 | 4,294 |
| Average total loans | $82,629,250 | 4,102 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2568% | 2,041 |
| Cost of funding earning assets | 1.2532% | 2,234 |
| Net interest margin | 4.0036% | 2,818 |
| Noninterest income to average assets | 1.1200% | 1,031 |
| Noninterest expense to average assets | 3.6430% | 1,643 |
| Loan and lease loss provision to assets | 0.1219% | 4,758 |
| Net operating income to assets | 0.4450% | 4,744 |
| Return on assets (ROA) | 0.4970% | 4,651 |
| Pretax return on assets | 0.8153% | 3,968 |
| Return on Equity (ROE) | 5.6237% | 4,143 |
| Retained earnings to average equity (ytd only) | 2.4824% | 4,702 |
| Net charge-offs to loans | 0.2125% | 3,866 |
| Credit loss provision to net charge-offs | 102.2727% | 3,024 |
| Earnings coverage of net charge-offs (x) | 7.1818% | 2,261 |
| Efficiency ratio | 80.9753% | 2,246 |
| Assets per employee ($millions) | 2.4764% | 6,940 |
| Cash dividends to net income (ytd only)* | 55.8583% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6185% | 3,627 |
| Loan loss allowance to noncurrent loans | 268.0808% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.9086% | 5,057 |
| Noncurrent loans to loans | 0.6037% | 5,707 |
| Net loans and leases to total assets | 54.2881% | 5,250 |
| Net loans and leases to deposits | 60.8473% | 5,633 |
| Net loans and leases to core deposits | 62.8665% | 5,821 |
| Total domestic deposits to total assets | 89.2203% | 1,404 |
| Equity capital to assets | 9.0406% | 5,517 |
| Core capital (leverage) ratio | 8.6610% | 5,280 |
| Tier 1 risk-based capital ratio | 14.5262% | 3,768 |
| Total risk-based capital ratio | 15.7787% | 3,744 |
| Memoranda: | ||
| Average total assets | $147,680,330 | 3,887 |
| Average earning assets | $124,638,330 | 4,105 |
| Average equity | $13,052,000 | 4,331 |
| Average total loans | $82,829,330 | 4,130 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0682% | 2,785 |
| Cost of funding earning assets | 1.2529% | 2,485 |
| Net interest margin | 3.8153% | 3,536 |
| Noninterest income to average assets | 1.0406% | 1,216 |
| Noninterest expense to average assets | 3.6189% | 1,729 |
| Loan and lease loss provision to assets | 0.1223% | 4,481 |
| Net operating income to assets | 0.3613% | 5,117 |
| Return on assets (ROA) | 0.3613% | 5,201 |
| Pretax return on assets | 0.5923% | 4,715 |
| Return on Equity (ROE) | 4.1364% | 4,828 |
| Retained earnings to average equity (ytd only) | 4.1364% | 3,682 |
| Net charge-offs to loans | 0.2883% | 2,907 |
| Credit loss provision to net charge-offs | 75.0000% | 3,253 |
| Earnings coverage of net charge-offs (x) | 4.3833% | 2,492 |
| Efficiency ratio | 83.5110% | 2,017 |
| Assets per employee ($millions) | 2.4641% | 7,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5880% | 3,783 |
| Loan loss allowance to noncurrent loans | 199.6951% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.8658% | 5,170 |
| Noncurrent loans to loans | 0.7952% | 5,439 |
| Net loans and leases to total assets | 54.9122% | 5,177 |
| Net loans and leases to deposits | 61.1432% | 5,604 |
| Net loans and leases to core deposits | 63.1640% | 5,815 |
| Total domestic deposits to total assets | 89.8091% | 1,278 |
| Equity capital to assets | 8.7523% | 5,569 |
| Core capital (leverage) ratio | 8.7345% | 5,027 |
| Tier 1 risk-based capital ratio | 14.4936% | 3,742 |
| Total risk-based capital ratio | 15.7462% | 3,702 |
| Memoranda: | ||
| Average total assets | $147,228,000 | 3,927 |
| Average earning assets | $127,066,000 | 4,083 |
| Average equity | $12,861,500 | 4,375 |
| Average total loans | $83,248,500 | 4,154 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6868% | 1,618 |
| Cost of funding earning assets | 1.4856% | 2,730 |
| Net interest margin | 4.2012% | 2,182 |
| Noninterest income to average assets | 1.2244% | 1,006 |
| Noninterest expense to average assets | 3.9328% | 1,261 |
| Loan and lease loss provision to assets | 0.2486% | 4,812 |
| Net operating income to assets | 0.3758% | 4,656 |
| Return on assets (ROA) | 0.3916% | 4,728 |
| Pretax return on assets | 0.5856% | 4,370 |
| Return on Equity (ROE) | 4.3611% | 4,363 |
| Retained earnings to average equity (ytd only) | 2.5382% | 4,095 |
| Net charge-offs to loans | 0.1118% | 5,759 |
| Credit loss provision to net charge-offs | 378.9474% | 662 |
| Earnings coverage of net charge-offs (x) | 12.3579% | 1,515 |
| Efficiency ratio | 82.9087% | 2,062 |
| Assets per employee ($millions) | 2.3647% | 7,161 |
| Cash dividends to net income (ytd only)* | 41.7989% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5774% | 3,669 |
| Loan loss allowance to noncurrent loans | 290.5702% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.8130% | 5,374 |
| Noncurrent loans to loans | 0.5429% | 5,965 |
| Net loans and leases to total assets | 56.3922% | 5,280 |
| Net loans and leases to deposits | 62.8830% | 5,758 |
| Net loans and leases to core deposits | 64.9769% | 5,983 |
| Total domestic deposits to total assets | 89.6780% | 1,283 |
| Equity capital to assets | 8.7191% | 5,553 |
| Core capital (leverage) ratio | 8.5117% | 5,340 |
| Tier 1 risk-based capital ratio | 14.2063% | 3,737 |
| Total risk-based capital ratio | 15.4592% | 3,688 |
| Memoranda: | ||
| Average total assets | $144,806,000 | 3,972 |
| Average earning assets | $121,297,400 | 4,204 |
| Average equity | $13,001,400 | 4,362 |
| Average total loans | $85,004,000 | 4,184 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7559% | 1,527 |
| Cost of funding earning assets | 1.5184% | 2,857 |
| Net interest margin | 4.2376% | 2,074 |
| Noninterest income to average assets | 1.2598% | 867 |
| Noninterest expense to average assets | 3.9263% | 1,166 |
| Loan and lease loss provision to assets | 0.2494% | 4,595 |
| Net operating income to assets | 0.3688% | 4,892 |
| Return on assets (ROA) | 0.3888% | 4,982 |
| Pretax return on assets | 0.6290% | 4,491 |
| Return on Equity (ROE) | 4.2993% | 4,644 |
| Retained earnings to average equity (ytd only) | 1.8791% | 5,018 |
| Net charge-offs to loans | 0.1126% | 5,412 |
| Credit loss provision to net charge-offs | 375.0000% | 831 |
| Earnings coverage of net charge-offs (x) | 12.7358% | 1,656 |
| Efficiency ratio | 82.2562% | 2,036 |
| Assets per employee ($millions) | 2.3646% | 7,242 |
| Cash dividends to net income (ytd only)* | 56.2941% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4703% | 4,101 |
| Loan loss allowance to noncurrent loans | 262.0833% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.8780% | 5,341 |
| Noncurrent loans to loans | 0.5610% | 6,081 |
| Net loans and leases to total assets | 56.5916% | 5,467 |
| Net loans and leases to deposits | 63.4810% | 5,973 |
| Net loans and leases to core deposits | 65.1796% | 6,196 |
| Total domestic deposits to total assets | 89.1474% | 1,313 |
| Equity capital to assets | 8.8884% | 5,722 |
| Core capital (leverage) ratio | 8.6387% | 5,285 |
| Tier 1 risk-based capital ratio | 13.8151% | 3,970 |
| Total risk-based capital ratio | 15.0663% | 3,933 |
| Memoranda: | ||
| Average total assets | $144,355,250 | 4,028 |
| Average earning assets | $119,688,250 | 4,291 |
| Average equity | $13,056,000 | 4,423 |
| Average total loans | $85,254,750 | 4,249 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7160% | 1,701 |
| Cost of funding earning assets | 1.5222% | 3,119 |
| Net interest margin | 4.1939% | 2,173 |
| Noninterest income to average assets | 1.3024% | 751 |
| Noninterest expense to average assets | 3.9267% | 1,144 |
| Loan and lease loss provision to assets | 0.2521% | 4,402 |
| Net operating income to assets | 0.3918% | 4,788 |
| Return on assets (ROA) | 0.4187% | 4,826 |
| Pretax return on assets | 0.6806% | 4,311 |
| Return on Equity (ROE) | 4.6020% | 4,490 |
| Retained earnings to average equity (ytd only) | 4.6020% | 3,143 |
| Net charge-offs to loans | 0.1151% | 5,025 |
| Credit loss provision to net charge-offs | 367.3469% | 992 |
| Earnings coverage of net charge-offs (x) | 12.9796% | 1,625 |
| Efficiency ratio | 81.5116% | 2,234 |
| Assets per employee ($millions) | 2.3393% | 7,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 4,532 |
| Loan loss allowance to noncurrent loans | 326.3014% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.8311% | 5,458 |
| Noncurrent loans to loans | 0.4226% | 6,398 |
| Net loans and leases to total assets | 59.6989% | 5,121 |
| Net loans and leases to deposits | 67.3130% | 5,645 |
| Net loans and leases to core deposits | 69.1995% | 5,953 |
| Total domestic deposits to total assets | 88.6885% | 1,611 |
| Equity capital to assets | 9.3836% | 4,883 |
| Core capital (leverage) ratio | 8.9123% | 4,737 |
| Tier 1 risk-based capital ratio | 14.1305% | 3,646 |
| Total risk-based capital ratio | 15.3764% | 3,609 |
| Memoranda: | ||
| Average total assets | $142,817,330 | 4,075 |
| Average earning assets | $119,698,330 | 4,319 |
| Average equity | $12,994,330 | 4,442 |
| Average total loans | $85,152,330 | 4,288 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7083% | 1,745 |
| Cost of funding earning assets | 1.5728% | 3,120 |
| Net interest margin | 4.1355% | 2,296 |
| Noninterest income to average assets | 1.2402% | 799 |
| Noninterest expense to average assets | 3.8382% | 1,265 |
| Loan and lease loss provision to assets | 0.2520% | 4,027 |
| Net operating income to assets | 0.3442% | 5,104 |
| Return on assets (ROA) | 0.3639% | 5,128 |
| Pretax return on assets | 0.5963% | 4,617 |
| Return on Equity (ROE) | 4.0636% | 4,867 |
| Retained earnings to average equity (ytd only) | 4.0636% | 3,716 |
| Net charge-offs to loans | 0.3643% | 2,958 |
| Credit loss provision to net charge-offs | 116.8831% | 2,980 |
| Earnings coverage of net charge-offs (x) | 3.7922% | 2,783 |
| Efficiency ratio | 82.4414% | 2,216 |
| Assets per employee ($millions) | 2.2594% | 7,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 5,006 |
| Loan loss allowance to noncurrent loans | 280.8901% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.9927% | 5,159 |
| Noncurrent loans to loans | 0.4578% | 6,378 |
| Net loans and leases to total assets | 57.8621% | 5,461 |
| Net loans and leases to deposits | 64.7256% | 5,967 |
| Net loans and leases to core deposits | 66.5116% | 6,247 |
| Total domestic deposits to total assets | 89.3960% | 1,301 |
| Equity capital to assets | 9.0507% | 5,208 |
| Core capital (leverage) ratio | 8.8237% | 4,829 |
| Tier 1 risk-based capital ratio | 14.1971% | 3,534 |
| Total risk-based capital ratio | 15.4137% | 3,526 |
| Memoranda: | ||
| Average total assets | $142,878,000 | 4,141 |
| Average earning assets | $118,003,000 | 4,423 |
| Average equity | $12,796,500 | 4,523 |
| Average total loans | $84,539,000 | 4,366 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0332% | 1,739 |
| Cost of funding earning assets | 1.8975% | 3,475 |
| Net interest margin | 4.1357% | 2,297 |
| Noninterest income to average assets | 1.3709% | 783 |
| Noninterest expense to average assets | 4.0150% | 1,343 |
| Loan and lease loss provision to assets | 0.2783% | 5,192 |
| Net operating income to assets | 0.4482% | 3,934 |
| Return on assets (ROA) | 0.5174% | 3,753 |
| Pretax return on assets | 0.6972% | 3,587 |
| Return on Equity (ROE) | 5.8867% | 3,259 |
| Retained earnings to average equity (ytd only) | 5.8867% | 1,395 |
| Net charge-offs to loans | 0.3361% | 4,552 |
| Credit loss provision to net charge-offs | 134.4828% | 3,696 |
| Earnings coverage of net charge-offs (x) | 4.2621% | 3,007 |
| Efficiency ratio | 81.9878% | 2,600 |
| Assets per employee ($millions) | 2.2764% | 7,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 5,127 |
| Loan loss allowance to noncurrent loans | 213.2797% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 1.1150% | 4,860 |
| Noncurrent loans to loans | 0.5803% | 6,084 |
| Net loans and leases to total assets | 58.9782% | 5,492 |
| Net loans and leases to deposits | 65.9969% | 6,046 |
| Net loans and leases to core deposits | 79.2013% | 6,167 |
| Total domestic deposits to total assets | 89.3651% | 1,285 |
| Equity capital to assets | 8.8625% | 5,337 |
| Core capital (leverage) ratio | 8.6831% | 4,950 |
| Tier 1 risk-based capital ratio | 13.6978% | 3,687 |
| Total risk-based capital ratio | 14.8695% | 3,683 |
| Memoranda: | ||
| Average total assets | $140,125,400 | 4,123 |
| Average earning assets | $119,472,800 | 4,326 |
| Average equity | $12,315,800 | 4,676 |
| Average total loans | $86,283,000 | 4,321 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0327% | 1,911 |
| Cost of funding earning assets | 1.9436% | 3,650 |
| Net interest margin | 4.0891% | 2,447 |
| Noninterest income to average assets | 1.3495% | 834 |
| Noninterest expense to average assets | 4.0391% | 1,225 |
| Loan and lease loss provision to assets | 0.2584% | 4,888 |
| Net operating income to assets | 0.3451% | 4,621 |
| Return on assets (ROA) | 0.4039% | 4,486 |
| Pretax return on assets | 0.6518% | 4,014 |
| Return on Equity (ROE) | 4.6054% | 4,114 |
| Retained earnings to average equity (ytd only) | 4.6054% | 2,699 |
| Net charge-offs to loans | 0.2746% | 4,330 |
| Credit loss provision to net charge-offs | 151.6854% | 3,160 |
| Earnings coverage of net charge-offs (x) | 4.8033% | 3,005 |
| Efficiency ratio | 83.1527% | 2,409 |
| Assets per employee ($millions) | 2.1425% | 7,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 5,150 |
| Loan loss allowance to noncurrent loans | 94.0125% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 1.1640% | 4,751 |
| Noncurrent loans to loans | 1.2699% | 4,817 |
| Net loans and leases to total assets | 61.5698% | 5,316 |
| Net loans and leases to deposits | 68.9720% | 6,030 |
| Net loans and leases to core deposits | 83.5988% | 6,070 |
| Total domestic deposits to total assets | 89.2679% | 1,074 |
| Equity capital to assets | 8.8694% | 5,677 |
| Core capital (leverage) ratio | 8.5867% | 5,318 |
| Tier 1 risk-based capital ratio | 13.1499% | 4,086 |
| Total risk-based capital ratio | 14.2943% | 4,097 |
| Memoranda: | ||
| Average total assets | $139,303,250 | 4,151 |
| Average earning assets | $119,501,750 | 4,356 |
| Average equity | $12,217,250 | 4,740 |
| Average total loans | $86,443,000 | 4,353 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1019% | 1,785 |
| Cost of funding earning assets | 2.0171% | 3,693 |
| Net interest margin | 4.0848% | 2,375 |
| Noninterest income to average assets | 1.3333% | 862 |
| Noninterest expense to average assets | 4.0851% | 1,207 |
| Loan and lease loss provision to assets | 0.2597% | 4,502 |
| Net operating income to assets | 0.2945% | 4,920 |
| Return on assets (ROA) | 0.3333% | 4,864 |
| Pretax return on assets | 0.5411% | 4,495 |
| Return on Equity (ROE) | 3.8153% | 4,573 |
| Retained earnings to average equity (ytd only) | 3.8153% | 3,172 |
| Net charge-offs to loans | 0.3004% | 3,685 |
| Credit loss provision to net charge-offs | 139.5349% | 3,347 |
| Earnings coverage of net charge-offs (x) | 3.9767% | 3,258 |
| Efficiency ratio | 84.6591% | 2,400 |
| Assets per employee ($millions) | 2.1048% | 7,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1872% | 5,035 |
| Loan loss allowance to noncurrent loans | 84.1799% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 1.2007% | 4,539 |
| Noncurrent loans to loans | 1.4104% | 4,388 |
| Net loans and leases to total assets | 60.5717% | 5,590 |
| Net loans and leases to deposits | 67.6314% | 6,234 |
| Net loans and leases to core deposits | 82.1271% | 6,224 |
| Total domestic deposits to total assets | 89.5615% | 1,016 |
| Equity capital to assets | 8.6735% | 5,792 |
| Core capital (leverage) ratio | 8.5606% | 5,333 |
| Tier 1 risk-based capital ratio | 13.3553% | 3,896 |
| Total risk-based capital ratio | 14.4900% | 3,888 |
| Memoranda: | ||
| Average total assets | $138,602,000 | 4,202 |
| Average earning assets | $118,488,000 | 4,403 |
| Average equity | $12,109,000 | 4,782 |
| Average total loans | $85,885,330 | 4,402 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1641% | 1,712 |
| Cost of funding earning assets | 2.0849% | 3,718 |
| Net interest margin | 4.0792% | 2,361 |
| Noninterest income to average assets | 1.3695% | 762 |
| Noninterest expense to average assets | 4.0652% | 1,103 |
| Loan and lease loss provision to assets | 0.2600% | 3,880 |
| Net operating income to assets | 0.3427% | 5,103 |
| Return on assets (ROA) | 0.4074% | 5,007 |
| Pretax return on assets | 0.6616% | 4,551 |
| Return on Equity (ROE) | 4.6462% | 4,634 |
| Retained earnings to average equity (ytd only) | 4.6462% | 3,337 |
| Net charge-offs to loans | 0.0742% | 4,443 |
| Credit loss provision to net charge-offs | 562.5000% | 1,000 |
| Earnings coverage of net charge-offs (x) | 17.7500% | 1,496 |
| Efficiency ratio | 83.2052% | 2,389 |
| Assets per employee ($millions) | 2.0762% | 7,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 4,750 |
| Loan loss allowance to noncurrent loans | 67.7800% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 1.4133% | 3,824 |
| Noncurrent loans to loans | 1.7822% | 3,589 |
| Net loans and leases to total assets | 60.8484% | 5,520 |
| Net loans and leases to deposits | 68.2115% | 6,163 |
| Net loans and leases to core deposits | 83.3629% | 6,108 |
| Total domestic deposits to total assets | 89.2055% | 1,140 |
| Equity capital to assets | 8.8270% | 5,577 |
| Core capital (leverage) ratio | 8.5605% | 5,410 |
| Tier 1 risk-based capital ratio | 13.2473% | 4,027 |
| Total risk-based capital ratio | 14.4083% | 3,999 |
| Memoranda: | ||
| Average total assets | $138,444,000 | 4,223 |
| Average earning assets | $119,337,000 | 4,403 |
| Average equity | $12,139,000 | 4,801 |
| Average total loans | $86,250,000 | 4,418 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8716% | 1,486 |
| Cost of funding earning assets | 2.7711% | 2,827 |
| Net interest margin | 4.1005% | 2,710 |
| Noninterest income to average assets | 1.7114% | 465 |
| Noninterest expense to average assets | 4.5373% | 862 |
| Loan and lease loss provision to assets | 0.3631% | 3,511 |
| Net operating income to assets | 0.2052% | 5,833 |
| Return on assets (ROA) | 0.2691% | 5,467 |
| Pretax return on assets | 0.3918% | 5,279 |
| Return on Equity (ROE) | 2.9490% | 5,254 |
| Retained earnings to average equity (ytd only) | -12.9836% | 7,328 |
| Net charge-offs to loans | 0.1719% | 4,486 |
| Credit loss provision to net charge-offs | 344.2177% | 1,318 |
| Earnings coverage of net charge-offs (x) | 6.2789% | 3,399 |
| Efficiency ratio | 87.2619% | 1,743 |
| Assets per employee ($millions) | 2.0876% | 7,835 |
| Cash dividends to net income (ytd only)* | 540.2667% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 5,230 |
| Loan loss allowance to noncurrent loans | 71.9101% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 1.3812% | 3,425 |
| Noncurrent loans to loans | 1.5377% | 3,488 |
| Net loans and leases to total assets | 62.3167% | 5,574 |
| Net loans and leases to deposits | 69.5724% | 6,319 |
| Net loans and leases to core deposits | 85.1963% | 6,194 |
| Total domestic deposits to total assets | 89.5711% | 821 |
| Equity capital to assets | 8.7088% | 5,796 |
| Core capital (leverage) ratio | 8.3470% | 5,857 |
| Tier 1 risk-based capital ratio | 13.0828% | 4,067 |
| Total risk-based capital ratio | 14.1592% | 4,083 |
| Memoranda: | ||
| Average total assets | $139,357,400 | 4,090 |
| Average earning assets | $118,545,400 | 4,298 |
| Average equity | $12,716,000 | 4,643 |
| Average total loans | $85,530,000 | 4,344 |