Home > River Valley Financial Bank > Performance and Condition Ratios
River Valley Financial Bank, Performance and Condition Ratios
| 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 | 4.3513% | 2,055 |
| Cost of funding earning assets | 0.6439% | 1,107 |
| Net interest margin | 3.7074% | 2,725 |
| Noninterest income to average assets | 0.8020% | 1,781 |
| Noninterest expense to average assets | 2.8361% | 3,090 |
| Loan and lease loss provision to assets | 0.0588% | 3,136 |
| Net operating income to assets | 1.0261% | 2,228 |
| Return on assets (ROA) | 1.0471% | 2,222 |
| Pretax return on assets | 1.3851% | 1,957 |
| Return on Equity (ROE) | 10.6239% | 1,746 |
| Retained earnings to average equity (ytd only) | 10.6239% | 386 |
| Net charge-offs to loans | 0.4445% | 619 |
| Credit loss provision to net charge-offs | 20.2957% | 3,745 |
| Earnings coverage of net charge-offs (x) | 4.8858% | 3,471 |
| Efficiency ratio | 66.3872% | 3,841 |
| Assets per employee ($millions) | 3.9775% | 3,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8410% | 5,295 |
| Loan loss allowance to noncurrent loans | 50.7834% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 1.2755% | 1,677 |
| Noncurrent loans to loans | 1.6561% | 1,376 |
| Net loans and leases to total assets | 64.3023% | 3,228 |
| Net loans and leases to deposits | 79.6908% | 2,855 |
| Net loans and leases to core deposits | 83.6293% | 2,995 |
| Total domestic deposits to total assets | 80.6897% | 4,571 |
| Equity capital to assets | 10.3359% | 3,584 |
| Core capital (leverage) ratio | 9.9587% | 3,561 |
| Tier 1 risk-based capital ratio | 14.7771% | 3,287 |
| Total risk-based capital ratio | 15.5825% | 3,444 |
| Memoranda: | ||
| Average total assets | $513,314,000 | 1,308 |
| Average earning assets | $477,720,600 | 1,293 |
| Average equity | $50,593,400 | 1,468 |
| Average total loans | $334,758,000 | 1,333 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3922% | 1,943 |
| Cost of funding earning assets | 0.6493% | 1,097 |
| Net interest margin | 3.7429% | 2,601 |
| Noninterest income to average assets | 0.7905% | 1,838 |
| Noninterest expense to average assets | 2.8541% | 2,993 |
| Loan and lease loss provision to assets | 0.0773% | 2,639 |
| Net operating income to assets | 1.0244% | 2,357 |
| Return on assets (ROA) | 1.0487% | 2,323 |
| Pretax return on assets | 1.3714% | 2,132 |
| Return on Equity (ROE) | 10.7721% | 1,793 |
| Retained earnings to average equity (ytd only) | 10.7721% | 507 |
| Net charge-offs to loans | 0.2291% | 1,144 |
| Credit loss provision to net charge-offs | 51.6522% | 3,018 |
| Earnings coverage of net charge-offs (x) | 9.4678% | 2,695 |
| Efficiency ratio | 66.5123% | 3,800 |
| Assets per employee ($millions) | 3.8816% | 4,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 4,124 |
| Loan loss allowance to noncurrent loans | 50.4398% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 1.5381% | 1,450 |
| Noncurrent loans to loans | 2.2163% | 989 |
| Net loans and leases to total assets | 64.3412% | 3,250 |
| Net loans and leases to deposits | 79.7386% | 2,914 |
| Net loans and leases to core deposits | 83.8867% | 3,053 |
| Total domestic deposits to total assets | 80.6902% | 4,552 |
| Equity capital to assets | 10.1597% | 3,986 |
| Core capital (leverage) ratio | 9.8024% | 3,899 |
| Tier 1 risk-based capital ratio | 14.6359% | 3,480 |
| Total risk-based capital ratio | 15.7221% | 3,501 |
| Memoranda: | ||
| Average total assets | $512,374,500 | 1,319 |
| Average earning assets | $476,404,250 | 1,305 |
| Average equity | $49,880,750 | 1,497 |
| Average total loans | $334,620,250 | 1,342 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4552% | 1,678 |
| Cost of funding earning assets | 0.6523% | 1,088 |
| Net interest margin | 3.8029% | 2,296 |
| Noninterest income to average assets | 0.7900% | 1,820 |
| Noninterest expense to average assets | 2.8206% | 3,159 |
| Loan and lease loss provision to assets | 0.0773% | 2,579 |
| Net operating income to assets | 1.0639% | 2,085 |
| Return on assets (ROA) | 1.0984% | 2,052 |
| Pretax return on assets | 1.4700% | 1,729 |
| Return on Equity (ROE) | 11.4493% | 1,539 |
| Retained earnings to average equity (ytd only) | 11.4493% | 450 |
| Net charge-offs to loans | 0.3152% | 839 |
| Credit loss provision to net charge-offs | 37.5000% | 2,844 |
| Earnings coverage of net charge-offs (x) | 7.2841% | 2,684 |
| Efficiency ratio | 64.9566% | 4,201 |
| Assets per employee ($millions) | 4.0230% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 4,367 |
| Loan loss allowance to noncurrent loans | 43.8021% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 1.7323% | 1,361 |
| Noncurrent loans to loans | 2.4914% | 898 |
| Net loans and leases to total assets | 64.1809% | 3,243 |
| Net loans and leases to deposits | 79.8064% | 2,817 |
| Net loans and leases to core deposits | 83.7354% | 3,003 |
| Total domestic deposits to total assets | 80.4207% | 4,773 |
| Equity capital to assets | 9.6010% | 4,535 |
| Core capital (leverage) ratio | 9.5840% | 4,155 |
| Tier 1 risk-based capital ratio | 13.9645% | 3,953 |
| Total risk-based capital ratio | 15.0122% | 3,994 |
| Memoranda: | ||
| Average total assets | $512,374,000 | 1,329 |
| Average earning assets | $475,849,000 | 1,315 |
| Average equity | $49,155,670 | 1,527 |
| Average total loans | $335,028,330 | 1,341 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5360% | 1,362 |
| Cost of funding earning assets | 0.6501% | 1,118 |
| Net interest margin | 3.8859% | 1,945 |
| Noninterest income to average assets | 0.7189% | 2,078 |
| Noninterest expense to average assets | 2.8506% | 3,070 |
| Loan and lease loss provision to assets | 0.0778% | 2,400 |
| Net operating income to assets | 1.0397% | 2,080 |
| Return on assets (ROA) | 1.0945% | 1,998 |
| Pretax return on assets | 1.4662% | 1,671 |
| Return on Equity (ROE) | 11.4132% | 1,513 |
| Retained earnings to average equity (ytd only) | 11.4132% | 659 |
| Net charge-offs to loans | 0.5387% | 462 |
| Credit loss provision to net charge-offs | 22.0000% | 2,343 |
| Earnings coverage of net charge-offs (x) | 4.1600% | 2,525 |
| Efficiency ratio | 65.6545% | 4,216 |
| Assets per employee ($millions) | 3.9140% | 4,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 4,522 |
| Loan loss allowance to noncurrent loans | 40.1076% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 2.1905% | 1,051 |
| Noncurrent loans to loans | 2.7434% | 854 |
| Net loans and leases to total assets | 64.5295% | 3,023 |
| Net loans and leases to deposits | 81.2028% | 2,423 |
| Net loans and leases to core deposits | 85.2418% | 2,626 |
| Total domestic deposits to total assets | 79.4670% | 5,182 |
| Equity capital to assets | 9.7996% | 4,387 |
| Core capital (leverage) ratio | 9.4062% | 4,421 |
| Tier 1 risk-based capital ratio | 13.3596% | 4,389 |
| Total risk-based capital ratio | 14.3848% | 4,454 |
| Memoranda: | ||
| Average total assets | $509,078,000 | 1,342 |
| Average earning assets | $471,960,500 | 1,334 |
| Average equity | $48,820,500 | 1,543 |
| Average total loans | $334,166,500 | 1,348 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4436% | 2,093 |
| Cost of funding earning assets | 0.6996% | 1,115 |
| Net interest margin | 3.7440% | 2,833 |
| Noninterest income to average assets | 0.6507% | 2,543 |
| Noninterest expense to average assets | 2.6818% | 3,932 |
| Loan and lease loss provision to assets | 0.0905% | 2,657 |
| Net operating income to assets | 0.9976% | 2,390 |
| Return on assets (ROA) | 1.0653% | 2,165 |
| Pretax return on assets | 1.4327% | 1,775 |
| Return on Equity (ROE) | 11.9193% | 1,437 |
| Retained earnings to average equity (ytd only) | 9.9902% | 520 |
| Net charge-offs to loans | 0.2932% | 1,494 |
| Credit loss provision to net charge-offs | 46.8980% | 3,550 |
| Earnings coverage of net charge-offs (x) | 7.4217% | 3,034 |
| Efficiency ratio | 64.7320% | 4,450 |
| Assets per employee ($millions) | 3.9791% | 4,005 |
| Cash dividends to net income (ytd only)* | 16.1843% | 3,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 4,060 |
| Loan loss allowance to noncurrent loans | 35.9548% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 2.3800% | 985 |
| Noncurrent loans to loans | 3.3118% | 641 |
| Net loans and leases to total assets | 65.2489% | 3,012 |
| Net loans and leases to deposits | 80.9321% | 2,609 |
| Net loans and leases to core deposits | 85.1734% | 2,767 |
| Total domestic deposits to total assets | 80.6218% | 4,851 |
| Equity capital to assets | 9.3805% | 4,871 |
| Core capital (leverage) ratio | 9.0988% | 4,828 |
| Tier 1 risk-based capital ratio | 13.3073% | 4,539 |
| Total risk-based capital ratio | 14.4638% | 4,501 |
| Memoranda: | ||
| Average total assets | $492,991,200 | 1,351 |
| Average earning assets | $455,954,800 | 1,347 |
| Average equity | $44,063,000 | 1,638 |
| Average total loans | $324,299,000 | 1,348 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4172% | 2,169 |
| Cost of funding earning assets | 0.7118% | 1,096 |
| Net interest margin | 3.7054% | 3,003 |
| Noninterest income to average assets | 0.6371% | 2,640 |
| Noninterest expense to average assets | 2.7257% | 3,728 |
| Loan and lease loss provision to assets | 0.0946% | 2,473 |
| Net operating income to assets | 0.9363% | 2,750 |
| Return on assets (ROA) | 0.9864% | 2,581 |
| Pretax return on assets | 1.3090% | 2,345 |
| Return on Equity (ROE) | 11.1803% | 1,723 |
| Retained earnings to average equity (ytd only) | 8.5529% | 1,141 |
| Net charge-offs to loans | 0.3805% | 1,049 |
| Credit loss provision to net charge-offs | 37.8408% | 3,322 |
| Earnings coverage of net charge-offs (x) | 5.3457% | 3,286 |
| Efficiency ratio | 66.6107% | 4,114 |
| Assets per employee ($millions) | 3.9094% | 4,066 |
| Cash dividends to net income (ytd only)* | 23.5002% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 4,176 |
| Loan loss allowance to noncurrent loans | 33.4920% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 2.5641% | 1,007 |
| Noncurrent loans to loans | 3.6083% | 651 |
| Net loans and leases to total assets | 63.8651% | 3,192 |
| Net loans and leases to deposits | 77.4528% | 3,011 |
| Net loans and leases to core deposits | 81.5342% | 3,149 |
| Total domestic deposits to total assets | 82.4568% | 4,314 |
| Equity capital to assets | 9.0287% | 5,322 |
| Core capital (leverage) ratio | 8.8698% | 5,236 |
| Tier 1 risk-based capital ratio | 13.2432% | 4,701 |
| Total risk-based capital ratio | 14.4230% | 4,682 |
| Memoranda: | ||
| Average total assets | $488,906,250 | 1,374 |
| Average earning assets | $451,982,500 | 1,370 |
| Average equity | $43,134,250 | 1,674 |
| Average total loans | $321,289,250 | 1,367 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4459% | 2,010 |
| Cost of funding earning assets | 0.7323% | 1,010 |
| Net interest margin | 3.7135% | 2,906 |
| Noninterest income to average assets | 0.5928% | 2,849 |
| Noninterest expense to average assets | 2.7530% | 3,692 |
| Loan and lease loss provision to assets | 0.0819% | 2,669 |
| Net operating income to assets | 0.9008% | 2,796 |
| Return on assets (ROA) | 0.9777% | 2,499 |
| Pretax return on assets | 1.2890% | 2,301 |
| Return on Equity (ROE) | 11.1729% | 1,684 |
| Retained earnings to average equity (ytd only) | 7.1573% | 1,688 |
| Net charge-offs to loans | 0.5924% | 681 |
| Credit loss provision to net charge-offs | 20.9081% | 3,190 |
| Earnings coverage of net charge-offs (x) | 3.2429% | 3,359 |
| Efficiency ratio | 67.4203% | 4,127 |
| Assets per employee ($millions) | 3.7055% | 4,448 |
| Cash dividends to net income (ytd only)* | 35.9408% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 4,568 |
| Loan loss allowance to noncurrent loans | 27.5128% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 3.1021% | 819 |
| Noncurrent loans to loans | 4.2519% | 542 |
| Net loans and leases to total assets | 65.4575% | 2,840 |
| Net loans and leases to deposits | 78.9259% | 2,668 |
| Net loans and leases to core deposits | 84.3431% | 2,700 |
| Total domestic deposits to total assets | 82.9354% | 4,324 |
| Equity capital to assets | 9.0530% | 5,247 |
| Core capital (leverage) ratio | 8.8848% | 5,186 |
| Tier 1 risk-based capital ratio | 13.1883% | 4,794 |
| Total risk-based capital ratio | 14.3480% | 4,785 |
| Memoranda: | ||
| Average total assets | $483,769,670 | 1,386 |
| Average earning assets | $446,796,670 | 1,378 |
| Average equity | $42,334,670 | 1,693 |
| Average total loans | $319,711,670 | 1,362 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4270% | 2,035 |
| Cost of funding earning assets | 0.7580% | 938 |
| Net interest margin | 3.6690% | 2,995 |
| Noninterest income to average assets | 0.6899% | 2,223 |
| Noninterest expense to average assets | 2.7490% | 3,757 |
| Loan and lease loss provision to assets | 0.1441% | 1,694 |
| Net operating income to assets | 0.9044% | 2,627 |
| Return on assets (ROA) | 0.9591% | 2,434 |
| Pretax return on assets | 1.2565% | 2,260 |
| Return on Equity (ROE) | 11.1535% | 1,637 |
| Retained earnings to average equity (ytd only) | 6.3377% | 2,359 |
| Net charge-offs to loans | 0.6123% | 606 |
| Credit loss provision to net charge-offs | 35.6557% | 2,349 |
| Earnings coverage of net charge-offs (x) | 3.2869% | 2,707 |
| Efficiency ratio | 66.4026% | 4,463 |
| Assets per employee ($millions) | 4.0292% | 3,891 |
| Cash dividends to net income (ytd only)* | 43.1779% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 3,982 |
| Loan loss allowance to noncurrent loans | 31.6775% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 2.9998% | 955 |
| Noncurrent loans to loans | 4.1822% | 620 |
| Net loans and leases to total assets | 64.6373% | 2,783 |
| Net loans and leases to deposits | 77.5208% | 2,623 |
| Net loans and leases to core deposits | 83.0750% | 2,636 |
| Total domestic deposits to total assets | 83.3806% | 4,483 |
| Equity capital to assets | 8.7482% | 5,395 |
| Core capital (leverage) ratio | 8.8400% | 5,208 |
| Tier 1 risk-based capital ratio | 13.2189% | 4,883 |
| Total risk-based capital ratio | 14.4701% | 4,818 |
| Memoranda: | ||
| Average total assets | $482,944,500 | 1,398 |
| Average earning assets | $445,901,000 | 1,385 |
| Average equity | $41,529,500 | 1,719 |
| Average total loans | $318,815,000 | 1,370 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5713% | 1,958 |
| Cost of funding earning assets | 0.8837% | 803 |
| Net interest margin | 3.6877% | 3,107 |
| Noninterest income to average assets | 0.7481% | 2,300 |
| Noninterest expense to average assets | 2.6675% | 4,217 |
| Loan and lease loss provision to assets | 0.1943% | 1,909 |
| Net operating income to assets | 0.9484% | 2,573 |
| Return on assets (ROA) | 0.9805% | 2,489 |
| Pretax return on assets | 1.3356% | 2,029 |
| Return on Equity (ROE) | 11.4944% | 1,597 |
| Retained earnings to average equity (ytd only) | 6.6073% | 1,620 |
| Net charge-offs to loans | -0.0045% | 5,916 |
| Credit loss provision to net charge-offs | -6,657.1429% | 6,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1104% | 5,039 |
| Assets per employee ($millions) | 3.8284% | 4,205 |
| Cash dividends to net income (ytd only)* | 42.5170% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 3,629 |
| Loan loss allowance to noncurrent loans | 32.9775% | 5,860 |
| Noncurrent assets plus other real estate owned to assets | 2.8672% | 1,123 |
| Noncurrent loans to loans | 4.2616% | 651 |
| Net loans and leases to total assets | 65.5908% | 2,754 |
| Net loans and leases to deposits | 79.8393% | 2,476 |
| Net loans and leases to core deposits | 85.8276% | 2,465 |
| Total domestic deposits to total assets | 82.1536% | 4,820 |
| Equity capital to assets | 8.4499% | 5,637 |
| Core capital (leverage) ratio | 8.6853% | 5,433 |
| Tier 1 risk-based capital ratio | 12.7906% | 5,121 |
| Total risk-based capital ratio | 14.0425% | 5,065 |
| Memoranda: | ||
| Average total assets | $479,767,400 | 1,386 |
| Average earning assets | $443,042,400 | 1,367 |
| Average equity | $40,924,200 | 1,711 |
| Average total loans | $309,811,000 | 1,370 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6040% | 1,890 |
| Cost of funding earning assets | 0.8978% | 822 |
| Net interest margin | 3.7062% | 3,008 |
| Noninterest income to average assets | 0.7013% | 2,599 |
| Noninterest expense to average assets | 2.6170% | 4,334 |
| Loan and lease loss provision to assets | 0.1826% | 1,993 |
| Net operating income to assets | 0.9519% | 2,586 |
| Return on assets (ROA) | 0.9910% | 2,508 |
| Pretax return on assets | 1.3795% | 1,997 |
| Return on Equity (ROE) | 11.5901% | 1,628 |
| Retained earnings to average equity (ytd only) | 6.7080% | 2,028 |
| Net charge-offs to loans | -0.0521% | 6,324 |
| Credit loss provision to net charge-offs | -546.6667% | 6,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2858% | 5,098 |
| Assets per employee ($millions) | 3.9856% | 3,862 |
| Cash dividends to net income (ytd only)* | 42.1230% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 4,127 |
| Loan loss allowance to noncurrent loans | 31.4288% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 2.9423% | 1,262 |
| Noncurrent loans to loans | 4.2979% | 788 |
| Net loans and leases to total assets | 65.1834% | 2,770 |
| Net loans and leases to deposits | 81.0866% | 2,254 |
| Net loans and leases to core deposits | 87.1375% | 2,268 |
| Total domestic deposits to total assets | 80.3874% | 5,393 |
| Equity capital to assets | 8.3028% | 5,912 |
| Core capital (leverage) ratio | 8.5035% | 5,768 |
| Tier 1 risk-based capital ratio | 12.7478% | 5,299 |
| Total risk-based capital ratio | 13.9990% | 5,235 |
| Memoranda: | ||
| Average total assets | $479,113,500 | 1,391 |
| Average earning assets | $442,559,500 | 1,382 |
| Average equity | $40,965,000 | 1,719 |
| Average total loans | $307,036,500 | 1,379 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5443% | 2,047 |
| Cost of funding earning assets | 0.9216% | 812 |
| Net interest margin | 3.6227% | 3,273 |
| Noninterest income to average assets | 0.7962% | 2,203 |
| Noninterest expense to average assets | 2.5712% | 4,488 |
| Loan and lease loss provision to assets | 0.2668% | 1,391 |
| Net operating income to assets | 0.9351% | 2,641 |
| Return on assets (ROA) | 0.9934% | 2,495 |
| Pretax return on assets | 1.3836% | 1,992 |
| Return on Equity (ROE) | 11.5056% | 1,637 |
| Retained earnings to average equity (ytd only) | 6.6468% | 2,067 |
| Net charge-offs to loans | 0.1092% | 3,265 |
| Credit loss provision to net charge-offs | 385.4545% | 679 |
| Earnings coverage of net charge-offs (x) | 22.6727% | 1,360 |
| Efficiency ratio | 60.9017% | 5,350 |
| Assets per employee ($millions) | 3.9947% | 3,815 |
| Cash dividends to net income (ytd only)* | 42.2297% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3517% | 4,261 |
| Loan loss allowance to noncurrent loans | 27.7179% | 6,099 |
| Noncurrent assets plus other real estate owned to assets | 3.3877% | 1,148 |
| Noncurrent loans to loans | 4.8767% | 682 |
| Net loans and leases to total assets | 61.9625% | 3,289 |
| Net loans and leases to deposits | 75.4909% | 2,947 |
| Net loans and leases to core deposits | 80.5524% | 2,973 |
| Total domestic deposits to total assets | 82.0795% | 5,032 |
| Equity capital to assets | 8.3763% | 5,889 |
| Core capital (leverage) ratio | 8.5286% | 5,634 |
| Tier 1 risk-based capital ratio | 13.1982% | 4,996 |
| Total risk-based capital ratio | 14.4491% | 4,934 |
| Memoranda: | ||
| Average total assets | $476,735,330 | 1,400 |
| Average earning assets | $440,109,000 | 1,388 |
| Average equity | $41,162,670 | 1,715 |
| Average total loans | $302,284,330 | 1,393 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4799% | 2,236 |
| Cost of funding earning assets | 0.9324% | 838 |
| Net interest margin | 3.5474% | 3,488 |
| Noninterest income to average assets | 0.7532% | 2,323 |
| Noninterest expense to average assets | 2.5671% | 4,507 |
| Loan and lease loss provision to assets | 0.2664% | 1,330 |
| Net operating income to assets | 0.8631% | 2,847 |
| Return on assets (ROA) | 0.9107% | 2,748 |
| Pretax return on assets | 1.2626% | 2,362 |
| Return on Equity (ROE) | 10.3932% | 1,911 |
| Retained earnings to average equity (ytd only) | 5.6125% | 2,892 |
| Net charge-offs to loans | -0.0026% | 5,180 |
| Credit loss provision to net charge-offs | -15,900.0000% | 5,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5364% | 5,229 |
| Assets per employee ($millions) | 4.3061% | 3,324 |
| Cash dividends to net income (ytd only)* | 45.9982% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 4,704 |
| Loan loss allowance to noncurrent loans | 29.2911% | 6,053 |
| Noncurrent assets plus other real estate owned to assets | 3.1504% | 1,394 |
| Noncurrent loans to loans | 4.4341% | 952 |
| Net loans and leases to total assets | 61.2011% | 3,224 |
| Net loans and leases to deposits | 74.7232% | 2,813 |
| Net loans and leases to core deposits | 79.9433% | 2,816 |
| Total domestic deposits to total assets | 81.9037% | 5,225 |
| Equity capital to assets | 8.6886% | 5,823 |
| Core capital (leverage) ratio | 8.2508% | 5,878 |
| Tier 1 risk-based capital ratio | 13.0431% | 5,187 |
| Total risk-based capital ratio | 14.2938% | 5,142 |
| Memoranda: | ||
| Average total assets | $477,420,500 | 1,406 |
| Average earning assets | $440,996,000 | 1,402 |
| Average equity | $41,835,000 | 1,713 |
| Average total loans | $304,134,500 | 1,393 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.1940% | 17 |
| Cost of funding earning assets | 3.2233% | 3 |
| Net interest margin | 8.9706% | 27 |
| Noninterest income to average assets | 2.5244% | 316 |
| Noninterest expense to average assets | 7.1305% | 142 |
| Loan and lease loss provision to assets | 0.8591% | 538 |
| Net operating income to assets | 2.1759% | 266 |
| Return on assets (ROA) | 2.6655% | 138 |
| Pretax return on assets | 3.3667% | 111 |
| Return on Equity (ROE) | 29.1320% | 74 |
| Retained earnings to average equity (ytd only) | 15.5443% | 137 |
| Net charge-offs to loans | 1.6992% | 488 |
| Credit loss provision to net charge-offs | 75.8924% | 3,978 |
| Earnings coverage of net charge-offs (x) | 3.1856% | 3,841 |
| Efficiency ratio | 65.6091% | 4,580 |
| Assets per employee ($millions) | 3.8419% | 4,284 |
| Cash dividends to net income (ytd only)* | 46.6418% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 5,335 |
| Loan loss allowance to noncurrent loans | 32.8479% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 2.6367% | 1,842 |
| Noncurrent loans to loans | 3.5088% | 1,420 |
| Net loans and leases to total assets | 64.6817% | 2,779 |
| Net loans and leases to deposits | 79.2948% | 2,370 |
| Net loans and leases to core deposits | 85.0663% | 2,416 |
| Total domestic deposits to total assets | 81.5712% | 5,235 |
| Equity capital to assets | 8.8384% | 5,700 |
| Core capital (leverage) ratio | 8.2879% | 5,898 |
| Tier 1 risk-based capital ratio | 12.5537% | 5,434 |
| Total risk-based capital ratio | 13.6979% | 5,464 |
| Memoranda: | ||
| Average total assets | $160,871,400 | 3,613 |
| Average earning assets | $147,269,600 | 3,602 |
| Average equity | $14,719,200 | 4,024 |
| Average total loans | $107,165,800 | 3,351 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1414% | 1,326 |
| Cost of funding earning assets | 0.8436% | 2,600 |
| Net interest margin | 4.2978% | 1,468 |
| Noninterest income to average assets | 0.2250% | 5,944 |
| Noninterest expense to average assets | 3.1906% | 2,596 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5610% | 4,568 |
| Return on assets (ROA) | 0.5610% | 4,830 |
| Pretax return on assets | 0.9242% | 4,012 |
| Return on Equity (ROE) | 5.8476% | 4,408 |
| Retained earnings to average equity (ytd only) | 5.8476% | 2,791 |
| Net charge-offs to loans | 0.4236% | 2,398 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.1945% | 3,753 |
| Efficiency ratio | 77.5391% | 2,451 |
| Assets per employee ($millions) | 2.9263% | 6,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9721% | 2,254 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 3.7043% | 1,332 |
| Noncurrent loans to loans | 3.9443% | 1,309 |
| Net loans and leases to total assets | 61.1500% | 3,545 |
| Net loans and leases to deposits | 67.8570% | 4,207 |
| Net loans and leases to core deposits | 87.3946% | 2,293 |
| Total domestic deposits to total assets | 90.1161% | 787 |
| Equity capital to assets | 9.2722% | 5,506 |
| Core capital (leverage) ratio | 9.5854% | 4,137 |
| Tier 1 risk-based capital ratio | 14.9259% | 3,902 |
| Total risk-based capital ratio | 16.1850% | 3,846 |
| Memoranda: | ||
| Average total assets | $82,950,750 | 5,326 |
| Average earning assets | $75,075,500 | 5,325 |
| Average equity | $7,957,500 | 5,572 |
| Average total loans | $56,652,250 | 4,897 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3308% | 989 |
| Cost of funding earning assets | 0.8907% | 2,477 |
| Net interest margin | 4.4401% | 1,107 |
| Noninterest income to average assets | 0.2065% | 6,083 |
| Noninterest expense to average assets | 3.2851% | 2,347 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5655% | 4,514 |
| Return on assets (ROA) | 0.5655% | 4,795 |
| Pretax return on assets | 0.9295% | 3,963 |
| Return on Equity (ROE) | 5.8252% | 4,410 |
| Retained earnings to average equity (ytd only) | 5.8252% | 2,814 |
| Net charge-offs to loans | 0.5866% | 1,852 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 2.2500% | 3,870 |
| Efficiency ratio | 77.9463% | 2,460 |
| Assets per employee ($millions) | 2.8000% | 6,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9752% | 2,298 |
| Loan loss allowance to noncurrent loans | 66.7482% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 3.5012% | 1,522 |
| Noncurrent loans to loans | 2.9592% | 2,014 |
| Net loans and leases to total assets | 66.7393% | 2,518 |
| Net loans and leases to deposits | 74.5167% | 3,207 |
| Net loans and leases to core deposits | 89.6686% | 2,019 |
| Total domestic deposits to total assets | 89.5629% | 1,187 |
| Equity capital to assets | 9.8693% | 4,517 |
| Core capital (leverage) ratio | 9.5764% | 4,040 |
| Tier 1 risk-based capital ratio | 14.8861% | 3,842 |
| Total risk-based capital ratio | 16.1458% | 3,788 |
| Memoranda: | ||
| Average total assets | $81,338,000 | 5,402 |
| Average earning assets | $73,422,330 | 5,419 |
| Average equity | $7,896,670 | 5,604 |
| Average total loans | $57,282,000 | 4,903 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4774% | 787 |
| Cost of funding earning assets | 0.9138% | 2,579 |
| Net interest margin | 4.5636% | 884 |
| Noninterest income to average assets | 0.5258% | 3,732 |
| Noninterest expense to average assets | 3.1840% | 2,656 |
| Loan and lease loss provision to assets | 0.3685% | 1,713 |
| Net operating income to assets | 0.6633% | 4,063 |
| Return on assets (ROA) | 0.6633% | 4,276 |
| Pretax return on assets | 1.0957% | 3,339 |
| Return on Equity (ROE) | 6.8895% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.8895% | 2,484 |
| Net charge-offs to loans | 1.1325% | 910 |
| Credit loss provision to net charge-offs | 45.4545% | 3,356 |
| Earnings coverage of net charge-offs (x) | 1.8061% | 3,436 |
| Efficiency ratio | 68.4989% | 4,072 |
| Assets per employee ($millions) | 2.5810% | 6,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0572% | 2,196 |
| Loan loss allowance to noncurrent loans | 82.7562% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 3.0572% | 1,906 |
| Noncurrent loans to loans | 2.4858% | 2,622 |
| Net loans and leases to total assets | 67.5021% | 2,201 |
| Net loans and leases to deposits | 75.0141% | 2,974 |
| Net loans and leases to core deposits | 92.8349% | 1,567 |
| Total domestic deposits to total assets | 89.9858% | 1,097 |
| Equity capital to assets | 9.5638% | 4,704 |
| Core capital (leverage) ratio | 9.5426% | 3,990 |
| Tier 1 risk-based capital ratio | 14.3231% | 4,225 |
| Total risk-based capital ratio | 15.5844% | 4,187 |
| Memoranda: | ||
| Average total assets | $81,406,500 | 5,429 |
| Average earning assets | $73,539,000 | 5,453 |
| Average equity | $7,838,000 | 5,644 |
| Average total loans | $58,280,500 | 4,891 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9474% | 472 |
| Cost of funding earning assets | 1.1625% | 2,266 |
| Net interest margin | 4.7849% | 649 |
| Noninterest income to average assets | 0.4459% | 4,256 |
| Noninterest expense to average assets | 3.2285% | 2,774 |
| Loan and lease loss provision to assets | 0.4693% | 2,251 |
| Net operating income to assets | 0.6242% | 3,864 |
| Return on assets (ROA) | 0.6849% | 3,750 |
| Pretax return on assets | 1.1271% | 2,731 |
| Return on Equity (ROE) | 7.4218% | 3,190 |
| Retained earnings to average equity (ytd only) | 7.4218% | 1,304 |
| Net charge-offs to loans | 0.6168% | 2,605 |
| Credit loss provision to net charge-offs | 100.7937% | 3,460 |
| Earnings coverage of net charge-offs (x) | 3.2249% | 3,603 |
| Efficiency ratio | 68.2552% | 4,306 |
| Assets per employee ($millions) | 2.4309% | 6,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1127% | 1,971 |
| Loan loss allowance to noncurrent loans | 73.9003% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 3.3134% | 1,793 |
| Noncurrent loans to loans | 2.8589% | 2,285 |
| Net loans and leases to total assets | 72.7724% | 1,501 |
| Net loans and leases to deposits | 80.9243% | 2,371 |
| Net loans and leases to core deposits | 97.7856% | 1,348 |
| Total domestic deposits to total assets | 89.9265% | 1,028 |
| Equity capital to assets | 9.6946% | 4,606 |
| Core capital (leverage) ratio | 9.4376% | 4,129 |
| Tier 1 risk-based capital ratio | 13.8239% | 4,464 |
| Total risk-based capital ratio | 15.0861% | 4,407 |
| Memoranda: | ||
| Average total assets | $81,182,600 | 5,432 |
| Average earning assets | $72,687,000 | 5,457 |
| Average equity | $7,491,400 | 5,722 |
| Average total loans | $61,281,600 | 4,819 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9434% | 517 |
| Cost of funding earning assets | 1.2111% | 2,247 |
| Net interest margin | 4.7323% | 708 |
| Noninterest income to average assets | 0.4552% | 4,258 |
| Noninterest expense to average assets | 3.2521% | 2,655 |
| Loan and lease loss provision to assets | 0.4356% | 2,297 |
| Net operating income to assets | 0.5978% | 4,095 |
| Return on assets (ROA) | 0.6648% | 3,972 |
| Pretax return on assets | 1.0955% | 3,037 |
| Return on Equity (ROE) | 7.2954% | 3,381 |
| Retained earnings to average equity (ytd only) | 7.2954% | 1,811 |
| Net charge-offs to loans | 0.5965% | 2,472 |
| Credit loss provision to net charge-offs | 96.3768% | 3,562 |
| Earnings coverage of net charge-offs (x) | 3.1558% | 3,556 |
| Efficiency ratio | 69.5135% | 4,036 |
| Assets per employee ($millions) | 2.4879% | 6,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0232% | 2,270 |
| Loan loss allowance to noncurrent loans | 93.8346% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 2.8367% | 2,289 |
| Noncurrent loans to loans | 2.1562% | 3,170 |
| Net loans and leases to total assets | 73.6109% | 1,391 |
| Net loans and leases to deposits | 81.4974% | 2,448 |
| Net loans and leases to core deposits | 102.4200% | 1,077 |
| Total domestic deposits to total assets | 90.3230% | 710 |
| Equity capital to assets | 9.3128% | 5,360 |
| Core capital (leverage) ratio | 9.2691% | 4,504 |
| Tier 1 risk-based capital ratio | 13.2812% | 4,888 |
| Total risk-based capital ratio | 14.5427% | 4,855 |
| Memoranda: | ||
| Average total assets | $81,423,250 | 5,460 |
| Average earning assets | $72,662,000 | 5,493 |
| Average equity | $7,420,000 | 5,774 |
| Average total loans | $61,692,500 | 4,842 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9648% | 508 |
| Cost of funding earning assets | 1.2437% | 2,299 |
| Net interest margin | 4.7211% | 695 |
| Noninterest income to average assets | 0.4286% | 4,435 |
| Noninterest expense to average assets | 3.2169% | 2,841 |
| Loan and lease loss provision to assets | 0.4458% | 2,201 |
| Net operating income to assets | 0.5920% | 4,096 |
| Return on assets (ROA) | 0.6724% | 3,796 |
| Pretax return on assets | 1.1084% | 2,817 |
| Return on Equity (ROE) | 7.4340% | 3,223 |
| Retained earnings to average equity (ytd only) | 7.4340% | 1,684 |
| Net charge-offs to loans | 0.7067% | 2,098 |
| Credit loss provision to net charge-offs | 83.0275% | 3,685 |
| Earnings coverage of net charge-offs (x) | 2.6606% | 3,504 |
| Efficiency ratio | 69.2471% | 4,277 |
| Assets per employee ($millions) | 2.4445% | 6,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0121% | 2,336 |
| Loan loss allowance to noncurrent loans | 94.0678% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 2.9305% | 2,289 |
| Noncurrent loans to loans | 2.1389% | 3,301 |
| Net loans and leases to total assets | 73.7123% | 1,473 |
| Net loans and leases to deposits | 81.5578% | 2,513 |
| Net loans and leases to core deposits | 102.5525% | 1,147 |
| Total domestic deposits to total assets | 90.3804% | 773 |
| Equity capital to assets | 9.2911% | 5,149 |
| Core capital (leverage) ratio | 8.9753% | 4,763 |
| Tier 1 risk-based capital ratio | 13.2443% | 4,733 |
| Total risk-based capital ratio | 14.5034% | 4,703 |
| Memoranda: | ||
| Average total assets | $81,197,000 | 5,514 |
| Average earning assets | $72,526,000 | 5,538 |
| Average equity | $7,344,670 | 5,822 |
| Average total loans | $61,695,330 | 4,879 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9391% | 543 |
| Cost of funding earning assets | 1.2469% | 2,525 |
| Net interest margin | 4.6922% | 720 |
| Noninterest income to average assets | 0.4272% | 4,481 |
| Noninterest expense to average assets | 3.2163% | 2,836 |
| Loan and lease loss provision to assets | 0.5450% | 1,587 |
| Net operating income to assets | 0.5223% | 4,393 |
| Return on assets (ROA) | 0.6825% | 3,666 |
| Pretax return on assets | 1.1294% | 2,648 |
| Return on Equity (ROE) | 7.6484% | 3,072 |
| Retained earnings to average equity (ytd only) | 7.6484% | 1,864 |
| Net charge-offs to loans | 0.8103% | 1,611 |
| Credit loss provision to net charge-offs | 88.0952% | 2,972 |
| Earnings coverage of net charge-offs (x) | 2.3016% | 3,158 |
| Efficiency ratio | 69.3122% | 4,414 |
| Assets per employee ($millions) | 2.5172% | 6,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0005% | 2,416 |
| Loan loss allowance to noncurrent loans | 102.8974% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 2.7580% | 2,505 |
| Noncurrent loans to loans | 1.9442% | 3,645 |
| Net loans and leases to total assets | 73.3014% | 1,456 |
| Net loans and leases to deposits | 80.6138% | 2,595 |
| Net loans and leases to core deposits | 99.7968% | 1,356 |
| Total domestic deposits to total assets | 90.9291% | 664 |
| Equity capital to assets | 8.8265% | 5,453 |
| Core capital (leverage) ratio | 8.8679% | 4,824 |
| Tier 1 risk-based capital ratio | 12.6355% | 5,131 |
| Total risk-based capital ratio | 13.8972% | 5,095 |
| Memoranda: | ||
| Average total assets | $81,461,000 | 5,547 |
| Average earning assets | $73,142,000 | 5,568 |
| Average equity | $7,269,500 | 5,854 |
| Average total loans | $62,201,000 | 4,897 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0620% | 755 |
| Cost of funding earning assets | 1.5661% | 2,265 |
| Net interest margin | 4.4958% | 1,235 |
| Noninterest income to average assets | 0.5093% | 4,100 |
| Noninterest expense to average assets | 4.2502% | 856 |
| Loan and lease loss provision to assets | 0.7207% | 2,277 |
| Net operating income to assets | -0.6824% | 6,503 |
| Return on assets (ROA) | -0.6824% | 6,542 |
| Pretax return on assets | -0.4265% | 6,265 |
| Return on Equity (ROE) | -7.1429% | 6,564 |
| Retained earnings to average equity (ytd only) | -7.1429% | 6,464 |
| Net charge-offs to loans | 0.4618% | 3,774 |
| Credit loss provision to net charge-offs | 204.5614% | 1,519 |
| Earnings coverage of net charge-offs (x) | 0.8351% | 5,294 |
| Efficiency ratio | 69.5865% | 4,270 |
| Assets per employee ($millions) | 2.4198% | 7,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0203% | 2,254 |
| Loan loss allowance to noncurrent loans | 74.2183% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 2.7751% | 2,520 |
| Noncurrent loans to loans | 2.7221% | 2,796 |
| Net loans and leases to total assets | 76.4032% | 1,205 |
| Net loans and leases to deposits | 86.0655% | 2,083 |
| Net loans and leases to core deposits | 109.3583% | 958 |
| Total domestic deposits to total assets | 88.7733% | 1,784 |
| Equity capital to assets | 9.0252% | 5,102 |
| Core capital (leverage) ratio | 9.0175% | 4,514 |
| Tier 1 risk-based capital ratio | 12.5732% | 4,955 |
| Total risk-based capital ratio | 13.8354% | 4,936 |
| Memoranda: | ||
| Average total assets | $80,890,600 | 5,572 |
| Average earning assets | $72,600,400 | 5,581 |
| Average equity | $7,728,000 | 5,796 |
| Average total loans | $61,714,000 | 4,998 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0089% | 915 |
| Cost of funding earning assets | 1.6381% | 2,169 |
| Net interest margin | 4.3708% | 1,613 |
| Noninterest income to average assets | 0.4748% | 4,382 |
| Noninterest expense to average assets | 3.1529% | 3,097 |
| Loan and lease loss provision to assets | 0.7032% | 2,178 |
| Net operating income to assets | 0.3319% | 5,039 |
| Return on assets (ROA) | 0.3319% | 5,209 |
| Pretax return on assets | 0.5422% | 4,788 |
| Return on Equity (ROE) | 3.4274% | 5,039 |
| Retained earnings to average equity (ytd only) | 3.4274% | 4,042 |
| Net charge-offs to loans | 0.2100% | 4,684 |
| Credit loss provision to net charge-offs | 441.2371% | 683 |
| Earnings coverage of net charge-offs (x) | 7.8144% | 2,261 |
| Efficiency ratio | 71.6847% | 3,764 |
| Assets per employee ($millions) | 2.4437% | 7,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0794% | 2,049 |
| Loan loss allowance to noncurrent loans | 70.3926% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 2.5197% | 2,847 |
| Noncurrent loans to loans | 2.9540% | 2,698 |
| Net loans and leases to total assets | 75.3866% | 1,514 |
| Net loans and leases to deposits | 85.8187% | 2,384 |
| Net loans and leases to core deposits | 109.4303% | 1,068 |
| Total domestic deposits to total assets | 87.8440% | 2,054 |
| Equity capital to assets | 9.9178% | 4,269 |
| Core capital (leverage) ratio | 8.8511% | 4,922 |
| Tier 1 risk-based capital ratio | 12.3246% | 5,151 |
| Total risk-based capital ratio | 13.5874% | 5,108 |
| Memoranda: | ||
| Average total assets | $81,149,750 | 5,632 |
| Average earning assets | $72,845,750 | 5,641 |
| Average equity | $7,858,250 | 5,838 |
| Average total loans | $61,575,250 | 5,076 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8876% | 1,219 |
| Cost of funding earning assets | 1.7043% | 2,103 |
| Net interest margin | 4.1833% | 2,207 |
| Noninterest income to average assets | 0.5116% | 4,018 |
| Noninterest expense to average assets | 3.1161% | 3,236 |
| Loan and lease loss provision to assets | 0.9666% | 1,507 |
| Net operating income to assets | 0.1353% | 5,769 |
| Return on assets (ROA) | 0.1353% | 5,879 |
| Pretax return on assets | 0.2140% | 5,740 |
| Return on Equity (ROE) | 1.4081% | 5,831 |
| Retained earnings to average equity (ytd only) | 1.4081% | 5,175 |
| Net charge-offs to loans | 0.2996% | 3,817 |
| Credit loss provision to net charge-offs | 427.1739% | 853 |
| Earnings coverage of net charge-offs (x) | 5.2174% | 2,720 |
| Efficiency ratio | 72.5243% | 3,736 |
| Assets per employee ($millions) | 2.3149% | 7,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0353% | 2,104 |
| Loan loss allowance to noncurrent loans | 61.5422% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 2.8562% | 2,530 |
| Noncurrent loans to loans | 3.3072% | 2,422 |
| Net loans and leases to total assets | 77.1158% | 1,273 |
| Net loans and leases to deposits | 87.9955% | 2,166 |
| Net loans and leases to core deposits | 109.3014% | 1,212 |
| Total domestic deposits to total assets | 87.6361% | 2,189 |
| Equity capital to assets | 9.9549% | 4,072 |
| Core capital (leverage) ratio | 8.5740% | 5,288 |
| Tier 1 risk-based capital ratio | 12.1819% | 5,145 |
| Total risk-based capital ratio | 13.4446% | 5,108 |
| Memoranda: | ||
| Average total assets | $81,318,670 | 5,659 |
| Average earning assets | $73,578,330 | 5,657 |
| Average equity | $7,811,670 | 5,868 |
| Average total loans | $61,405,330 | 5,114 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6645% | 1,907 |
| Cost of funding earning assets | 1.7295% | 2,236 |
| Net interest margin | 3.9350% | 3,175 |
| Noninterest income to average assets | 0.3921% | 4,981 |
| Noninterest expense to average assets | 3.0305% | 3,564 |
| Loan and lease loss provision to assets | 0.1840% | 4,669 |
| Net operating income to assets | 0.4744% | 4,512 |
| Return on assets (ROA) | 0.4744% | 4,643 |
| Pretax return on assets | 0.7794% | 3,953 |
| Return on Equity (ROE) | 5.0256% | 4,344 |
| Retained earnings to average equity (ytd only) | 5.0256% | 3,144 |
| Net charge-offs to loans | 0.1178% | 4,269 |
| Credit loss provision to net charge-offs | 211.1111% | 1,764 |
| Earnings coverage of net charge-offs (x) | 11.0556% | 1,683 |
| Efficiency ratio | 75.8788% | 3,238 |
| Assets per employee ($millions) | 2.4901% | 7,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6079% | 3,405 |
| Loan loss allowance to noncurrent loans | 45.3074% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 3.0168% | 2,378 |
| Noncurrent loans to loans | 3.5489% | 2,250 |
| Net loans and leases to total assets | 72.9786% | 2,206 |
| Net loans and leases to deposits | 82.7727% | 3,145 |
| Net loans and leases to core deposits | 103.9883% | 1,741 |
| Total domestic deposits to total assets | 88.1675% | 1,961 |
| Equity capital to assets | 9.5738% | 4,416 |
| Core capital (leverage) ratio | 8.4739% | 5,417 |
| Tier 1 risk-based capital ratio | 12.3892% | 4,840 |
| Total risk-based capital ratio | 13.6455% | 4,786 |
| Memoranda: | ||
| Average total assets | $82,625,500 | 5,676 |
| Average earning assets | $75,629,500 | 5,647 |
| Average equity | $7,800,000 | 5,909 |
| Average total loans | $61,130,500 | 5,202 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6144% | 544 |
| Cost of funding earning assets | 2.2981% | 1,670 |
| Net interest margin | 4.3163% | 1,670 |
| Noninterest income to average assets | 0.4491% | 4,817 |
| Noninterest expense to average assets | 3.2303% | 3,274 |
| Loan and lease loss provision to assets | 0.2551% | 5,357 |
| Net operating income to assets | 0.5517% | 3,516 |
| Return on assets (ROA) | 0.5508% | 3,611 |
| Pretax return on assets | 0.8968% | 2,935 |
| Return on Equity (ROE) | 5.3872% | 3,477 |
| Retained earnings to average equity (ytd only) | 5.3872% | 1,629 |
| Net charge-offs to loans | 0.1334% | 5,866 |
| Credit loss provision to net charge-offs | 235.0000% | 1,544 |
| Earnings coverage of net charge-offs (x) | 10.6250% | 1,664 |
| Efficiency ratio | 73.6924% | 3,962 |
| Assets per employee ($millions) | 2.6800% | 6,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5657% | 3,410 |
| Loan loss allowance to noncurrent loans | 40.2178% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 3.3871% | 2,001 |
| Noncurrent loans to loans | 3.8931% | 1,905 |
| Net loans and leases to total assets | 72.6453% | 2,594 |
| Net loans and leases to deposits | 84.6561% | 3,147 |
| Net loans and leases to core deposits | 147.2168% | 578 |
| Total domestic deposits to total assets | 85.8123% | 3,105 |
| Equity capital to assets | 9.3080% | 4,689 |
| Core capital (leverage) ratio | 8.3976% | 5,446 |
| Tier 1 risk-based capital ratio | 12.1016% | 4,847 |
| Total risk-based capital ratio | 13.3573% | 4,813 |
| Memoranda: | ||
| Average total assets | $73,708,000 | 5,897 |
| Average earning assets | $67,186,600 | 5,895 |
| Average equity | $7,536,400 | 6,074 |
| Average total loans | $59,984,400 | 5,252 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8004% | 413 |
| Cost of funding earning assets | 2.4119% | 1,589 |
| Net interest margin | 4.3886% | 1,467 |
| Noninterest income to average assets | 0.4671% | 4,771 |
| Noninterest expense to average assets | 3.2377% | 3,164 |
| Loan and lease loss provision to assets | 0.2821% | 4,722 |
| Net operating income to assets | 0.5785% | 3,689 |
| Return on assets (ROA) | 0.5773% | 3,761 |
| Pretax return on assets | 0.9397% | 3,097 |
| Return on Equity (ROE) | 5.5026% | 3,733 |
| Retained earnings to average equity (ytd only) | 5.5026% | 2,202 |
| Net charge-offs to loans | 0.1363% | 5,336 |
| Credit loss provision to net charge-offs | 247.5410% | 1,745 |
| Earnings coverage of net charge-offs (x) | 10.7379% | 1,930 |
| Efficiency ratio | 72.5712% | 4,135 |
| Assets per employee ($millions) | 2.3456% | 7,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 3,439 |
| Loan loss allowance to noncurrent loans | 33.7034% | 6,182 |
| Noncurrent assets plus other real estate owned to assets | 3.8596% | 1,668 |
| Noncurrent loans to loans | 4.4508% | 1,577 |
| Net loans and leases to total assets | 77.4796% | 1,671 |
| Net loans and leases to deposits | 91.4405% | 2,327 |
| Net loans and leases to core deposits | 161.0583% | 366 |
| Total domestic deposits to total assets | 84.7323% | 3,353 |
| Equity capital to assets | 9.5774% | 4,644 |
| Core capital (leverage) ratio | 8.9056% | 4,801 |
| Tier 1 risk-based capital ratio | 11.9491% | 5,019 |
| Total risk-based capital ratio | 13.2050% | 4,948 |
| Memoranda: | ||
| Average total assets | $71,365,250 | 6,000 |
| Average earning assets | $64,955,250 | 6,006 |
| Average equity | $7,487,250 | 6,157 |
| Average total loans | $59,652,250 | 5,302 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0122% | 309 |
| Cost of funding earning assets | 2.4862% | 1,664 |
| Net interest margin | 4.5260% | 1,105 |
| Noninterest income to average assets | 0.4433% | 4,907 |
| Noninterest expense to average assets | 3.2259% | 3,251 |
| Loan and lease loss provision to assets | 0.1808% | 5,241 |
| Net operating income to assets | 0.7029% | 3,240 |
| Return on assets (ROA) | 0.7029% | 3,347 |
| Pretax return on assets | 1.1463% | 2,479 |
| Return on Equity (ROE) | 6.4811% | 3,448 |
| Retained earnings to average equity (ytd only) | 6.4811% | 1,807 |
| Net charge-offs to loans | 0.1023% | 5,138 |
| Credit loss provision to net charge-offs | 206.6667% | 2,209 |
| Earnings coverage of net charge-offs (x) | 15.1667% | 1,610 |
| Efficiency ratio | 70.8520% | 4,616 |
| Assets per employee ($millions) | 2.1498% | 7,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4874% | 3,264 |
| Loan loss allowance to noncurrent loans | 62.1660% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 2.4089% | 2,690 |
| Noncurrent loans to loans | 2.3927% | 3,017 |
| Net loans and leases to total assets | 82.5245% | 862 |
| Net loans and leases to deposits | 106.8629% | 714 |
| Net loans and leases to core deposits | 168.7720% | 331 |
| Total domestic deposits to total assets | 77.2246% | 6,274 |
| Equity capital to assets | 10.6477% | 3,253 |
| Core capital (leverage) ratio | 9.7350% | 3,594 |
| Tier 1 risk-based capital ratio | 12.5534% | 4,481 |
| Total risk-based capital ratio | 13.8089% | 4,397 |
| Memoranda: | ||
| Average total assets | $68,570,330 | 6,129 |
| Average earning assets | $62,262,670 | 6,136 |
| Average equity | $7,437,000 | 6,204 |
| Average total loans | $58,626,000 | 5,396 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9080% | 399 |
| Cost of funding earning assets | 2.5185% | 1,851 |
| Net interest margin | 4.3895% | 1,372 |
| Noninterest income to average assets | 0.4571% | 4,705 |
| Noninterest expense to average assets | 3.1165% | 3,313 |
| Loan and lease loss provision to assets | 0.2493% | 3,976 |
| Net operating income to assets | 0.7480% | 3,360 |
| Return on assets (ROA) | 0.7480% | 3,535 |
| Pretax return on assets | 1.1160% | 2,929 |
| Return on Equity (ROE) | 6.8307% | 3,655 |
| Retained earnings to average equity (ytd only) | 6.8307% | 2,273 |
| Net charge-offs to loans | 0.1237% | 3,982 |
| Credit loss provision to net charge-offs | 233.3333% | 1,969 |
| Earnings coverage of net charge-offs (x) | 12.7778% | 1,776 |
| Efficiency ratio | 69.5364% | 4,673 |
| Assets per employee ($millions) | 2.0787% | 7,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 3,142 |
| Loan loss allowance to noncurrent loans | 62.9950% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 2.3120% | 2,488 |
| Noncurrent loans to loans | 2.3333% | 2,819 |
| Net loans and leases to total assets | 85.5054% | 498 |
| Net loans and leases to deposits | 111.6281% | 536 |
| Net loans and leases to core deposits | 176.7782% | 272 |
| Total domestic deposits to total assets | 76.5984% | 6,382 |
| Equity capital to assets | 10.8735% | 3,102 |
| Core capital (leverage) ratio | 9.9313% | 3,481 |
| Tier 1 risk-based capital ratio | 12.3823% | 4,632 |
| Total risk-based capital ratio | 13.6369% | 4,553 |
| Memoranda: | ||
| Average total assets | $67,383,000 | 6,202 |
| Average earning assets | $61,783,500 | 6,182 |
| Average equity | $7,378,500 | 6,266 |
| Average total loans | $58,223,500 | 5,438 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6844% | 290 |
| Cost of funding earning assets | 3.1598% | 1,319 |
| Net interest margin | 4.5246% | 1,360 |
| Noninterest income to average assets | 0.4677% | 4,899 |
| Noninterest expense to average assets | 2.9715% | 4,182 |
| Loan and lease loss provision to assets | 0.2315% | 4,584 |
| Net operating income to assets | 0.9265% | 2,892 |
| Return on assets (ROA) | 0.9275% | 2,740 |
| Pretax return on assets | 1.3905% | 1,999 |
| Return on Equity (ROE) | 7.4062% | 3,319 |
| Retained earnings to average equity (ytd only) | -5.1680% | 6,535 |
| Net charge-offs to loans | 0.2153% | 4,058 |
| Credit loss provision to net charge-offs | 123.5294% | 4,342 |
| Earnings coverage of net charge-offs (x) | 8.6471% | 2,844 |
| Efficiency ratio | 64.7119% | 5,391 |
| Assets per employee ($millions) | 2.2056% | 7,697 |
| Cash dividends to net income (ytd only)* | 169.7793% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 2,712 |
| Loan loss allowance to noncurrent loans | 125.1101% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 1.1002% | 4,080 |
| Noncurrent loans to loans | 1.1965% | 4,118 |
| Net loans and leases to total assets | 84.7313% | 778 |
| Net loans and leases to deposits | 113.6276% | 631 |
| Net loans and leases to core deposits | 179.9551% | 285 |
| Total domestic deposits to total assets | 74.5693% | 6,543 |
| Equity capital to assets | 11.0295% | 3,019 |
| Core capital (leverage) ratio | 9.9348% | 3,512 |
| Tier 1 risk-based capital ratio | 12.6049% | 4,362 |
| Total risk-based capital ratio | 13.8599% | 4,269 |
| Memoranda: | ||
| Average total assets | $63,503,200 | 6,250 |
| Average earning assets | $57,883,400 | 6,265 |
| Average equity | $7,952,800 | 6,101 |
| Average total loans | $55,270,600 | 5,484 |