Home > Southern Community Bank > Performance and Condition Ratios
Southern Community Bank, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7557% | 1,174 |
| Cost of funding earning assets | 0.8190% | 877 |
| Net interest margin | 3.9367% | 1,911 |
| Noninterest income to average assets | 0.5447% | 2,550 |
| Noninterest expense to average assets | 2.5393% | 3,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1866% | 2,067 |
| Return on assets (ROA) | 1.1866% | 2,079 |
| Pretax return on assets | 1.6441% | 1,259 |
| Return on Equity (ROE) | 10.7005% | 2,083 |
| Retained earnings to average equity (ytd only) | 6.9902% | 2,281 |
| Net charge-offs to loans | 0.0803% | 1,327 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 25.6154% | 1,341 |
| Efficiency ratio | 60.7002% | 3,981 |
| Assets per employee ($millions) | 5.7812% | 1,701 |
| Cash dividends to net income (ytd only)* | 34.6741% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 3,574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3076% | 3,608 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 79.8123% | 964 |
| Net loans and leases to deposits | 92.2726% | 1,422 |
| Net loans and leases to core deposits | 107.2321% | 1,167 |
| Total domestic deposits to total assets | 86.4963% | 2,318 |
| Equity capital to assets | 11.4188% | 2,201 |
| Core capital (leverage) ratio | 10.7124% | 2,726 |
| Tier 1 risk-based capital ratio | 12.6440% | 4,144 |
| Total risk-based capital ratio | 13.6420% | 4,206 |
| Memoranda: | ||
| Average total assets | $243,054,500 | 2,566 |
| Average earning assets | $224,654,500 | 2,572 |
| Average equity | $26,952,000 | 2,558 |
| Average total loans | $194,217,000 | 2,241 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7646% | 1,044 |
| Cost of funding earning assets | 0.7722% | 725 |
| Net interest margin | 3.9924% | 1,773 |
| Noninterest income to average assets | 0.5228% | 2,861 |
| Noninterest expense to average assets | 2.4275% | 3,995 |
| Loan and lease loss provision to assets | 0.0639% | 2,948 |
| Net operating income to assets | 1.0428% | 2,081 |
| Return on assets (ROA) | 1.0400% | 2,125 |
| Pretax return on assets | 1.6757% | 1,078 |
| Return on Equity (ROE) | 9.9270% | 1,921 |
| Retained earnings to average equity (ytd only) | 8.4785% | 626 |
| Net charge-offs to loans | 0.0841% | 2,255 |
| Credit loss provision to net charge-offs | 96.9325% | 2,661 |
| Earnings coverage of net charge-offs (x) | 26.4417% | 1,678 |
| Efficiency ratio | 58.1919% | 4,501 |
| Assets per employee ($millions) | 5.6609% | 1,779 |
| Cash dividends to net income (ytd only)* | 14.5914% | 3,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 3,616 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3268% | 3,565 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 78.3461% | 1,242 |
| Net loans and leases to deposits | 90.3636% | 1,733 |
| Net loans and leases to core deposits | 104.9494% | 1,347 |
| Total domestic deposits to total assets | 86.7010% | 2,149 |
| Equity capital to assets | 10.7749% | 2,870 |
| Core capital (leverage) ratio | 10.2717% | 3,102 |
| Tier 1 risk-based capital ratio | 11.7563% | 4,683 |
| Total risk-based capital ratio | 12.7247% | 4,760 |
| Memoranda: | ||
| Average total assets | $247,125,600 | 2,507 |
| Average earning assets | $225,852,200 | 2,541 |
| Average equity | $25,889,000 | 2,613 |
| Average total loans | $193,919,200 | 2,211 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7416% | 1,054 |
| Cost of funding earning assets | 0.7625% | 712 |
| Net interest margin | 3.9791% | 1,781 |
| Noninterest income to average assets | 0.5141% | 2,943 |
| Noninterest expense to average assets | 2.4283% | 3,940 |
| Loan and lease loss provision to assets | 0.0595% | 2,890 |
| Net operating income to assets | 1.0212% | 2,465 |
| Return on assets (ROA) | 1.0185% | 2,518 |
| Pretax return on assets | 1.6499% | 1,245 |
| Return on Equity (ROE) | 9.7925% | 2,211 |
| Retained earnings to average equity (ytd only) | 9.7925% | 628 |
| Net charge-offs to loans | 0.0214% | 3,048 |
| Credit loss provision to net charge-offs | 354.8387% | 857 |
| Earnings coverage of net charge-offs (x) | 102.2637% | 678 |
| Efficiency ratio | 58.6270% | 4,414 |
| Assets per employee ($millions) | 5.5424% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 3,466 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4310% | 3,304 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 79.4054% | 1,067 |
| Net loans and leases to deposits | 92.1635% | 1,547 |
| Net loans and leases to core deposits | 106.8558% | 1,210 |
| Total domestic deposits to total assets | 86.1571% | 2,247 |
| Equity capital to assets | 10.9405% | 2,923 |
| Core capital (leverage) ratio | 9.9255% | 3,658 |
| Tier 1 risk-based capital ratio | 11.6777% | 4,840 |
| Total risk-based capital ratio | 12.6912% | 4,884 |
| Memoranda: | ||
| Average total assets | $246,637,500 | 2,530 |
| Average earning assets | $224,867,500 | 2,569 |
| Average equity | $25,651,750 | 2,653 |
| Average total loans | $193,094,500 | 2,230 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7091% | 1,040 |
| Cost of funding earning assets | 0.7423% | 712 |
| Net interest margin | 3.9669% | 1,722 |
| Noninterest income to average assets | 0.5195% | 2,902 |
| Noninterest expense to average assets | 2.4067% | 4,032 |
| Loan and lease loss provision to assets | 0.0848% | 2,291 |
| Net operating income to assets | 0.9969% | 2,441 |
| Return on assets (ROA) | 0.9969% | 2,489 |
| Pretax return on assets | 1.6158% | 1,297 |
| Return on Equity (ROE) | 9.7515% | 2,146 |
| Retained earnings to average equity (ytd only) | 9.7515% | 631 |
| Net charge-offs to loans | 0.0312% | 2,577 |
| Credit loss provision to net charge-offs | 350.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 70.1667% | 839 |
| Efficiency ratio | 58.5956% | 4,518 |
| Assets per employee ($millions) | 5.7304% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1025% | 3,570 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4375% | 3,364 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 76.6656% | 1,435 |
| Net loans and leases to deposits | 87.8918% | 1,999 |
| Net loans and leases to core deposits | 102.5877% | 1,462 |
| Total domestic deposits to total assets | 87.2273% | 1,845 |
| Equity capital to assets | 10.3372% | 3,530 |
| Core capital (leverage) ratio | 9.8935% | 3,664 |
| Tier 1 risk-based capital ratio | 11.3547% | 5,049 |
| Total risk-based capital ratio | 12.3639% | 5,087 |
| Memoranda: | ||
| Average total assets | $247,561,670 | 2,535 |
| Average earning assets | $223,905,330 | 2,589 |
| Average equity | $25,309,000 | 2,680 |
| Average total loans | $192,192,330 | 2,239 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6863% | 961 |
| Cost of funding earning assets | 0.7477% | 663 |
| Net interest margin | 3.9386% | 1,645 |
| Noninterest income to average assets | 0.5219% | 2,827 |
| Noninterest expense to average assets | 2.3794% | 4,180 |
| Loan and lease loss provision to assets | 0.1386% | 1,371 |
| Net operating income to assets | 0.9475% | 2,534 |
| Return on assets (ROA) | 0.9475% | 2,594 |
| Pretax return on assets | 1.5346% | 1,431 |
| Return on Equity (ROE) | 9.3215% | 2,266 |
| Retained earnings to average equity (ytd only) | 9.3215% | 978 |
| Net charge-offs to loans | 0.0399% | 2,019 |
| Credit loss provision to net charge-offs | 447.3684% | 610 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 856 |
| Efficiency ratio | 58.7123% | 4,630 |
| Assets per employee ($millions) | 5.5798% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 3,701 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4493% | 3,397 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 78.3250% | 1,083 |
| Net loans and leases to deposits | 89.9104% | 1,545 |
| Net loans and leases to core deposits | 103.5330% | 1,250 |
| Total domestic deposits to total assets | 87.1145% | 2,152 |
| Equity capital to assets | 10.2884% | 3,420 |
| Core capital (leverage) ratio | 9.6499% | 3,927 |
| Tier 1 risk-based capital ratio | 11.1239% | 5,248 |
| Total risk-based capital ratio | 12.1398% | 5,291 |
| Memoranda: | ||
| Average total assets | $245,273,000 | 2,577 |
| Average earning assets | $219,876,000 | 2,642 |
| Average equity | $24,931,500 | 2,717 |
| Average total loans | $190,559,000 | 2,271 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6743% | 1,106 |
| Cost of funding earning assets | 0.7721% | 569 |
| Net interest margin | 3.9022% | 1,956 |
| Noninterest income to average assets | 0.5632% | 2,849 |
| Noninterest expense to average assets | 2.5932% | 3,694 |
| Loan and lease loss provision to assets | 0.2863% | 676 |
| Net operating income to assets | 0.7723% | 3,443 |
| Return on assets (ROA) | 0.7715% | 3,544 |
| Pretax return on assets | 1.2053% | 2,643 |
| Return on Equity (ROE) | 8.3014% | 2,781 |
| Retained earnings to average equity (ytd only) | 8.3014% | 759 |
| Net charge-offs to loans | 0.1548% | 1,718 |
| Credit loss provision to net charge-offs | 239.2593% | 1,212 |
| Earnings coverage of net charge-offs (x) | 12.4778% | 2,444 |
| Efficiency ratio | 63.4638% | 4,031 |
| Assets per employee ($millions) | 5.4453% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 3,627 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4501% | 3,464 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 75.3343% | 1,626 |
| Net loans and leases to deposits | 85.9762% | 2,174 |
| Net loans and leases to core deposits | 100.4970% | 1,581 |
| Total domestic deposits to total assets | 87.6223% | 1,821 |
| Equity capital to assets | 10.0409% | 3,683 |
| Core capital (leverage) ratio | 9.6338% | 3,926 |
| Tier 1 risk-based capital ratio | 11.3101% | 5,168 |
| Total risk-based capital ratio | 12.3386% | 5,190 |
| Memoranda: | ||
| Average total assets | $225,669,200 | 2,707 |
| Average earning assets | $203,731,800 | 2,755 |
| Average equity | $20,972,400 | 3,069 |
| Average total loans | $174,453,400 | 2,369 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5969% | 1,296 |
| Cost of funding earning assets | 0.7675% | 587 |
| Net interest margin | 3.8295% | 2,229 |
| Noninterest income to average assets | 0.5700% | 2,813 |
| Noninterest expense to average assets | 2.6288% | 3,570 |
| Loan and lease loss provision to assets | 0.1926% | 1,121 |
| Net operating income to assets | 0.7980% | 3,373 |
| Return on assets (ROA) | 0.7976% | 3,515 |
| Pretax return on assets | 1.2396% | 2,659 |
| Return on Equity (ROE) | 8.7781% | 2,620 |
| Retained earnings to average equity (ytd only) | 8.7781% | 887 |
| Net charge-offs to loans | 0.1136% | 1,811 |
| Credit loss provision to net charge-offs | 218.4932% | 1,347 |
| Earnings coverage of net charge-offs (x) | 16.2536% | 2,126 |
| Efficiency ratio | 64.7242% | 3,807 |
| Assets per employee ($millions) | 5.1108% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 4,403 |
| Loan loss allowance to noncurrent loans | 442.6887% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.6265% | 3,030 |
| Noncurrent loans to loans | 0.2260% | 4,460 |
| Net loans and leases to total assets | 78.9985% | 1,040 |
| Net loans and leases to deposits | 89.1079% | 1,874 |
| Net loans and leases to core deposits | 102.3126% | 1,465 |
| Total domestic deposits to total assets | 88.6549% | 1,072 |
| Equity capital to assets | 8.8572% | 5,276 |
| Core capital (leverage) ratio | 8.1638% | 5,597 |
| Tier 1 risk-based capital ratio | 9.3167% | 5,897 |
| Total risk-based capital ratio | 10.2413% | 5,922 |
| Memoranda: | ||
| Average total assets | $220,827,250 | 2,757 |
| Average earning assets | $201,346,500 | 2,788 |
| Average equity | $20,064,500 | 3,186 |
| Average total loans | $171,397,500 | 2,398 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5671% | 1,339 |
| Cost of funding earning assets | 0.7661% | 584 |
| Net interest margin | 3.8010% | 2,315 |
| Noninterest income to average assets | 0.5517% | 2,892 |
| Noninterest expense to average assets | 2.6630% | 3,510 |
| Loan and lease loss provision to assets | 0.1583% | 1,438 |
| Net operating income to assets | 0.7127% | 3,730 |
| Return on assets (ROA) | 0.7127% | 3,883 |
| Pretax return on assets | 1.1746% | 2,882 |
| Return on Equity (ROE) | 7.7732% | 3,105 |
| Retained earnings to average equity (ytd only) | 7.7732% | 1,258 |
| Net charge-offs to loans | 0.1783% | 1,270 |
| Credit loss provision to net charge-offs | 115.5405% | 1,912 |
| Earnings coverage of net charge-offs (x) | 9.7297% | 2,388 |
| Efficiency ratio | 66.6435% | 3,582 |
| Assets per employee ($millions) | 5.1198% | 2,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 4,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5834% | 3,273 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 74.1389% | 1,815 |
| Net loans and leases to deposits | 83.9799% | 2,471 |
| Net loans and leases to core deposits | 96.6448% | 1,923 |
| Total domestic deposits to total assets | 88.2817% | 1,285 |
| Equity capital to assets | 8.7907% | 5,410 |
| Core capital (leverage) ratio | 8.0819% | 5,681 |
| Tier 1 risk-based capital ratio | 9.5495% | 5,941 |
| Total risk-based capital ratio | 10.4476% | 5,979 |
| Memoranda: | ||
| Average total assets | $216,070,330 | 2,816 |
| Average earning assets | $195,791,330 | 2,861 |
| Average equity | $19,811,670 | 3,217 |
| Average total loans | $165,996,330 | 2,461 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5994% | 1,266 |
| Cost of funding earning assets | 0.7355% | 673 |
| Net interest margin | 3.8639% | 2,056 |
| Noninterest income to average assets | 0.6261% | 2,383 |
| Noninterest expense to average assets | 2.7744% | 3,171 |
| Loan and lease loss provision to assets | 0.1379% | 1,520 |
| Net operating income to assets | 0.7448% | 3,513 |
| Return on assets (ROA) | 0.7448% | 3,619 |
| Pretax return on assets | 1.2043% | 2,683 |
| Return on Equity (ROE) | 7.9424% | 2,949 |
| Retained earnings to average equity (ytd only) | 7.9424% | 1,482 |
| Net charge-offs to loans | 0.2925% | 729 |
| Credit loss provision to net charge-offs | 60.5042% | 1,979 |
| Earnings coverage of net charge-offs (x) | 5.8908% | 2,284 |
| Efficiency ratio | 67.3953% | 3,560 |
| Assets per employee ($millions) | 5.0291% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 4,623 |
| Loan loss allowance to noncurrent loans | 364.1758% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.6681% | 3,055 |
| Noncurrent loans to loans | 0.2741% | 4,454 |
| Net loans and leases to total assets | 72.6300% | 1,933 |
| Net loans and leases to deposits | 82.7085% | 2,466 |
| Net loans and leases to core deposits | 96.1138% | 1,783 |
| Total domestic deposits to total assets | 87.8145% | 1,736 |
| Equity capital to assets | 8.7433% | 5,386 |
| Core capital (leverage) ratio | 9.1340% | 4,687 |
| Tier 1 risk-based capital ratio | 9.7512% | 5,962 |
| Total risk-based capital ratio | 10.6498% | 5,998 |
| Memoranda: | ||
| Average total assets | $208,909,500 | 2,905 |
| Average earning assets | $188,721,000 | 2,948 |
| Average equity | $19,591,000 | 3,244 |
| Average total loans | $162,726,000 | 2,500 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7380% | 1,030 |
| Cost of funding earning assets | 0.7214% | 729 |
| Net interest margin | 4.0166% | 1,662 |
| Noninterest income to average assets | 0.7916% | 1,820 |
| Noninterest expense to average assets | 3.2712% | 1,787 |
| Loan and lease loss provision to assets | 0.2926% | 593 |
| Net operating income to assets | 0.5335% | 4,568 |
| Return on assets (ROA) | 0.5713% | 4,504 |
| Pretax return on assets | 0.8651% | 3,974 |
| Return on Equity (ROE) | 5.5015% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.5015% | 2,082 |
| Net charge-offs to loans | 0.0184% | 3,908 |
| Credit loss provision to net charge-offs | 2,024.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 76.1200% | 725 |
| Efficiency ratio | 74.8280% | 2,452 |
| Assets per employee ($millions) | 4.5597% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 4,217 |
| Loan loss allowance to noncurrent loans | 434.6939% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.6830% | 3,002 |
| Noncurrent loans to loans | 0.2459% | 4,553 |
| Net loans and leases to total assets | 82.3575% | 561 |
| Net loans and leases to deposits | 95.0052% | 1,113 |
| Net loans and leases to core deposits | 107.1954% | 1,034 |
| Total domestic deposits to total assets | 86.6873% | 2,280 |
| Equity capital to assets | 10.1275% | 3,833 |
| Core capital (leverage) ratio | 9.2061% | 4,609 |
| Tier 1 risk-based capital ratio | 10.1543% | 5,910 |
| Total risk-based capital ratio | 11.1379% | 5,940 |
| Memoranda: | ||
| Average total assets | $172,932,400 | 3,260 |
| Average earning assets | $154,135,600 | 3,343 |
| Average equity | $17,958,600 | 3,387 |
| Average total loans | $135,623,000 | 2,790 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6971% | 1,107 |
| Cost of funding earning assets | 0.7096% | 801 |
| Net interest margin | 3.9875% | 1,738 |
| Noninterest income to average assets | 0.8358% | 1,668 |
| Noninterest expense to average assets | 3.3640% | 1,549 |
| Loan and lease loss provision to assets | 0.1719% | 1,231 |
| Net operating income to assets | 0.5151% | 4,735 |
| Return on assets (ROA) | 0.5181% | 4,816 |
| Pretax return on assets | 0.8398% | 4,208 |
| Return on Equity (ROE) | 4.9546% | 4,648 |
| Retained earnings to average equity (ytd only) | 4.9546% | 2,945 |
| Net charge-offs to loans | 0.0072% | 3,919 |
| Credit loss provision to net charge-offs | 3,100.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 181.6313% | 395 |
| Efficiency ratio | 76.9621% | 2,096 |
| Assets per employee ($millions) | 4.0974% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 4,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6018% | 3,466 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 78.8659% | 979 |
| Net loans and leases to deposits | 91.1735% | 1,504 |
| Net loans and leases to core deposits | 102.8604% | 1,314 |
| Total domestic deposits to total assets | 86.5010% | 2,279 |
| Equity capital to assets | 9.9347% | 4,249 |
| Core capital (leverage) ratio | 9.2624% | 4,639 |
| Tier 1 risk-based capital ratio | 9.9290% | 6,065 |
| Total risk-based capital ratio | 10.8178% | 6,107 |
| Memoranda: | ||
| Average total assets | $168,288,250 | 3,361 |
| Average earning assets | $149,196,000 | 3,442 |
| Average equity | $17,599,500 | 3,466 |
| Average total loans | $129,672,250 | 2,909 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6584% | 1,150 |
| Cost of funding earning assets | 0.6947% | 866 |
| Net interest margin | 3.9637% | 1,766 |
| Noninterest income to average assets | 0.8339% | 1,656 |
| Noninterest expense to average assets | 3.3733% | 1,526 |
| Loan and lease loss provision to assets | 0.0450% | 3,212 |
| Net operating income to assets | 0.5611% | 4,515 |
| Return on assets (ROA) | 0.5673% | 4,591 |
| Pretax return on assets | 0.9191% | 3,888 |
| Return on Equity (ROE) | 5.3270% | 4,465 |
| Retained earnings to average equity (ytd only) | 5.3270% | 2,654 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9466% | 2,082 |
| Assets per employee ($millions) | 3.8650% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 4,891 |
| Loan loss allowance to noncurrent loans | 18,000.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.6421% | 3,491 |
| Noncurrent loans to loans | 0.0055% | 5,751 |
| Net loans and leases to total assets | 73.7624% | 1,698 |
| Net loans and leases to deposits | 86.1155% | 2,038 |
| Net loans and leases to core deposits | 94.3598% | 1,925 |
| Total domestic deposits to total assets | 85.6551% | 2,852 |
| Equity capital to assets | 10.3892% | 3,574 |
| Core capital (leverage) ratio | 9.6187% | 4,112 |
| Tier 1 risk-based capital ratio | 11.0837% | 5,668 |
| Total risk-based capital ratio | 11.9665% | 5,773 |
| Memoranda: | ||
| Average total assets | $164,288,670 | 3,431 |
| Average earning assets | $144,814,330 | 3,528 |
| Average equity | $17,495,670 | 3,501 |
| Average total loans | $125,023,670 | 3,000 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6972% | 1,039 |
| Cost of funding earning assets | 0.6876% | 911 |
| Net interest margin | 4.0096% | 1,523 |
| Noninterest income to average assets | 0.7807% | 1,784 |
| Noninterest expense to average assets | 3.3258% | 1,656 |
| Loan and lease loss provision to assets | 0.0917% | 2,167 |
| Net operating income to assets | 0.5400% | 4,511 |
| Return on assets (ROA) | 0.5527% | 4,578 |
| Pretax return on assets | 0.8947% | 3,913 |
| Return on Equity (ROE) | 5.1236% | 4,467 |
| Retained earnings to average equity (ytd only) | 5.1236% | 2,987 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4827% | 2,271 |
| Assets per employee ($millions) | 3.8525% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 5,028 |
| Loan loss allowance to noncurrent loans | 260.8696% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.7046% | 3,374 |
| Noncurrent loans to loans | 0.3832% | 4,446 |
| Net loans and leases to total assets | 77.1279% | 1,040 |
| Net loans and leases to deposits | 88.0998% | 1,599 |
| Net loans and leases to core deposits | 98.3133% | 1,448 |
| Total domestic deposits to total assets | 87.5460% | 2,076 |
| Equity capital to assets | 10.8440% | 3,145 |
| Core capital (leverage) ratio | 9.7787% | 3,915 |
| Tier 1 risk-based capital ratio | 11.3816% | 5,615 |
| Total risk-based capital ratio | 12.3022% | 5,706 |
| Memoranda: | ||
| Average total assets | $161,402,500 | 3,488 |
| Average earning assets | $141,359,500 | 3,601 |
| Average equity | $17,409,500 | 3,534 |
| Average total loans | $124,185,000 | 3,011 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6833% | 1,348 |
| Cost of funding earning assets | 0.6633% | 1,312 |
| Net interest margin | 4.0200% | 1,841 |
| Noninterest income to average assets | 0.7253% | 2,191 |
| Noninterest expense to average assets | 3.5871% | 1,334 |
| Loan and lease loss provision to assets | 0.1309% | 2,002 |
| Net operating income to assets | 0.3552% | 5,365 |
| Return on assets (ROA) | 0.3623% | 5,421 |
| Pretax return on assets | 0.5695% | 5,033 |
| Return on Equity (ROE) | 3.2438% | 5,400 |
| Retained earnings to average equity (ytd only) | 2.1076% | 4,727 |
| Net charge-offs to loans | 0.0256% | 4,316 |
| Credit loss provision to net charge-offs | 686.2069% | 385 |
| Earnings coverage of net charge-offs (x) | 36.1379% | 1,170 |
| Efficiency ratio | 83.8844% | 1,421 |
| Assets per employee ($millions) | 3.7442% | 4,457 |
| Cash dividends to net income (ytd only)* | 35.0272% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 5,063 |
| Loan loss allowance to noncurrent loans | 150.2457% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.8845% | 2,995 |
| Noncurrent loans to loans | 0.6655% | 3,684 |
| Net loans and leases to total assets | 75.2113% | 1,380 |
| Net loans and leases to deposits | 85.7130% | 2,021 |
| Net loans and leases to core deposits | 94.2416% | 1,898 |
| Total domestic deposits to total assets | 87.7479% | 1,897 |
| Equity capital to assets | 10.7285% | 3,203 |
| Core capital (leverage) ratio | 9.8434% | 3,778 |
| Tier 1 risk-based capital ratio | 12.2869% | 5,167 |
| Total risk-based capital ratio | 13.2656% | 5,259 |
| Memoranda: | ||
| Average total assets | $152,074,800 | 3,602 |
| Average earning assets | $134,327,800 | 3,692 |
| Average equity | $16,986,200 | 3,526 |
| Average total loans | $113,462,000 | 3,150 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6801% | 1,354 |
| Cost of funding earning assets | 0.6552% | 1,422 |
| Net interest margin | 4.0249% | 1,808 |
| Noninterest income to average assets | 0.7759% | 1,986 |
| Noninterest expense to average assets | 3.7478% | 1,042 |
| Loan and lease loss provision to assets | 0.1183% | 2,093 |
| Net operating income to assets | 0.3000% | 5,579 |
| Return on assets (ROA) | 0.3097% | 5,626 |
| Pretax return on assets | 0.4885% | 5,352 |
| Return on Equity (ROE) | 2.7431% | 5,638 |
| Retained earnings to average equity (ytd only) | 1.2218% | 5,406 |
| Net charge-offs to loans | -0.0024% | 5,199 |
| Credit loss provision to net charge-offs | -6,650.0000% | 6,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3646% | 1,149 |
| Assets per employee ($millions) | 3.4431% | 4,966 |
| Cash dividends to net income (ytd only)* | 55.4602% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 4,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4227% | 4,649 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 71.5683% | 1,923 |
| Net loans and leases to deposits | 81.8513% | 2,447 |
| Net loans and leases to core deposits | 89.0452% | 2,319 |
| Total domestic deposits to total assets | 87.4371% | 2,071 |
| Equity capital to assets | 10.9881% | 2,968 |
| Core capital (leverage) ratio | 10.0277% | 3,642 |
| Tier 1 risk-based capital ratio | 13.0832% | 4,809 |
| Total risk-based capital ratio | 14.1091% | 4,868 |
| Memoranda: | ||
| Average total assets | $149,843,250 | 3,662 |
| Average earning assets | $132,672,000 | 3,736 |
| Average equity | $16,914,500 | 3,553 |
| Average total loans | $111,249,000 | 3,214 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6980% | 1,283 |
| Cost of funding earning assets | 0.6492% | 1,521 |
| Net interest margin | 4.0488% | 1,665 |
| Noninterest income to average assets | 0.7466% | 2,061 |
| Noninterest expense to average assets | 3.7409% | 1,068 |
| Loan and lease loss provision to assets | 0.1769% | 1,386 |
| Net operating income to assets | 0.2686% | 5,671 |
| Return on assets (ROA) | 0.2835% | 5,687 |
| Pretax return on assets | 0.4388% | 5,455 |
| Return on Equity (ROE) | 2.4885% | 5,700 |
| Retained earnings to average equity (ytd only) | 2.4885% | 4,621 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3240% | 1,240 |
| Assets per employee ($millions) | 3.5617% | 4,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9929% | 5,386 |
| Loan loss allowance to noncurrent loans | 438.8889% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 4,164 |
| Noncurrent loans to loans | 0.2262% | 5,324 |
| Net loans and leases to total assets | 77.1554% | 1,028 |
| Net loans and leases to deposits | 88.2632% | 1,562 |
| Net loans and leases to core deposits | 94.5252% | 1,734 |
| Total domestic deposits to total assets | 87.4151% | 2,239 |
| Equity capital to assets | 11.1556% | 2,728 |
| Core capital (leverage) ratio | 10.4142% | 3,068 |
| Tier 1 risk-based capital ratio | 12.6759% | 5,100 |
| Total risk-based capital ratio | 13.6637% | 5,207 |
| Memoranda: | ||
| Average total assets | $148,144,330 | 3,709 |
| Average earning assets | $131,248,330 | 3,779 |
| Average equity | $16,877,670 | 3,557 |
| Average total loans | $110,973,330 | 3,220 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6847% | 1,297 |
| Cost of funding earning assets | 0.6449% | 1,620 |
| Net interest margin | 4.0398% | 1,630 |
| Noninterest income to average assets | 0.7031% | 2,153 |
| Noninterest expense to average assets | 3.9659% | 790 |
| Loan and lease loss provision to assets | 0.0934% | 2,362 |
| Net operating income to assets | 0.1349% | 5,956 |
| Return on assets (ROA) | 0.1648% | 5,933 |
| Pretax return on assets | 0.2692% | 5,783 |
| Return on Equity (ROE) | 1.4308% | 5,943 |
| Retained earnings to average equity (ytd only) | 1.4308% | 5,043 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6235% | 835 |
| Assets per employee ($millions) | 3.3000% | 5,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 5,509 |
| Loan loss allowance to noncurrent loans | 5,435.0000% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.2114% | 5,579 |
| Noncurrent loans to loans | 0.0185% | 6,111 |
| Net loans and leases to total assets | 73.8618% | 1,293 |
| Net loans and leases to deposits | 84.9294% | 1,733 |
| Net loans and leases to core deposits | 89.5876% | 1,949 |
| Total domestic deposits to total assets | 86.9684% | 2,830 |
| Equity capital to assets | 11.5970% | 2,173 |
| Core capital (leverage) ratio | 10.5432% | 2,879 |
| Tier 1 risk-based capital ratio | 13.4905% | 4,686 |
| Total risk-based capital ratio | 14.4645% | 4,822 |
| Memoranda: | ||
| Average total assets | $145,640,500 | 3,773 |
| Average earning assets | $129,017,000 | 3,860 |
| Average equity | $16,774,000 | 3,579 |
| Average total loans | $106,785,000 | 3,323 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5952% | 1,893 |
| Cost of funding earning assets | 0.7321% | 1,613 |
| Net interest margin | 3.8631% | 2,419 |
| Noninterest income to average assets | 1.0546% | 1,266 |
| Noninterest expense to average assets | 3.9552% | 913 |
| Loan and lease loss provision to assets | 0.3175% | 1,042 |
| Net operating income to assets | 0.1644% | 5,907 |
| Return on assets (ROA) | 0.1625% | 5,980 |
| Pretax return on assets | 0.2311% | 5,887 |
| Return on Equity (ROE) | 1.4045% | 6,007 |
| Retained earnings to average equity (ytd only) | 0.5156% | 5,607 |
| Net charge-offs to loans | 0.3597% | 1,878 |
| Credit loss provision to net charge-offs | 126.8493% | 1,860 |
| Earnings coverage of net charge-offs (x) | 2.2027% | 4,291 |
| Efficiency ratio | 87.7663% | 1,243 |
| Assets per employee ($millions) | 3.1081% | 5,655 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 5,563 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2971% | 5,376 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 71.3185% | 1,788 |
| Net loans and leases to deposits | 82.8090% | 2,091 |
| Net loans and leases to core deposits | 86.4997% | 2,392 |
| Total domestic deposits to total assets | 86.1240% | 3,187 |
| Equity capital to assets | 11.4383% | 2,216 |
| Core capital (leverage) ratio | 10.5238% | 2,895 |
| Tier 1 risk-based capital ratio | 13.5660% | 4,603 |
| Total risk-based capital ratio | 14.5186% | 4,749 |
| Memoranda: | ||
| Average total assets | $145,834,800 | 3,772 |
| Average earning assets | $130,308,600 | 3,841 |
| Average equity | $16,874,000 | 3,579 |
| Average total loans | $101,486,000 | 3,414 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5865% | 1,949 |
| Cost of funding earning assets | 0.7358% | 1,700 |
| Net interest margin | 3.8507% | 2,462 |
| Noninterest income to average assets | 1.1213% | 1,163 |
| Noninterest expense to average assets | 4.0683% | 793 |
| Loan and lease loss provision to assets | 0.2195% | 1,658 |
| Net operating income to assets | 0.1744% | 5,977 |
| Return on assets (ROA) | 0.1738% | 6,049 |
| Pretax return on assets | 0.2790% | 5,916 |
| Return on Equity (ROE) | 1.4976% | 6,077 |
| Retained earnings to average equity (ytd only) | 0.3153% | 5,839 |
| Net charge-offs to loans | 0.2904% | 2,082 |
| Credit loss provision to net charge-offs | 109.5890% | 2,146 |
| Earnings coverage of net charge-offs (x) | 2.4932% | 4,004 |
| Efficiency ratio | 89.0669% | 1,081 |
| Assets per employee ($millions) | 3.2084% | 5,480 |
| Cash dividends to net income (ytd only)* | 78.9484% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9564% | 5,897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3006% | 5,524 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 70.0028% | 1,968 |
| Net loans and leases to deposits | 81.7732% | 2,165 |
| Net loans and leases to core deposits | 84.8372% | 2,562 |
| Total domestic deposits to total assets | 85.6060% | 3,449 |
| Equity capital to assets | 11.5328% | 2,281 |
| Core capital (leverage) ratio | 10.3145% | 3,219 |
| Tier 1 risk-based capital ratio | 13.8123% | 4,564 |
| Total risk-based capital ratio | 14.7140% | 4,731 |
| Memoranda: | ||
| Average total assets | $145,773,500 | 3,815 |
| Average earning assets | $130,465,500 | 3,873 |
| Average equity | $16,915,250 | 3,611 |
| Average total loans | $100,548,750 | 3,462 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5501% | 2,027 |
| Cost of funding earning assets | 0.7303% | 1,841 |
| Net interest margin | 3.8198% | 2,478 |
| Noninterest income to average assets | 1.1064% | 1,240 |
| Noninterest expense to average assets | 4.1097% | 765 |
| Loan and lease loss provision to assets | 0.1928% | 1,970 |
| Net operating income to assets | 0.1364% | 6,051 |
| Return on assets (ROA) | 0.1286% | 6,171 |
| Pretax return on assets | 0.2038% | 6,080 |
| Return on Equity (ROE) | 1.1057% | 6,186 |
| Retained earnings to average equity (ytd only) | 1.1057% | 5,458 |
| Net charge-offs to loans | 0.6257% | 1,054 |
| Credit loss provision to net charge-offs | 45.0479% | 3,321 |
| Earnings coverage of net charge-offs (x) | 0.9553% | 4,211 |
| Efficiency ratio | 90.9504% | 987 |
| Assets per employee ($millions) | 3.2894% | 5,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7951% | 6,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0728% | 3,589 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 66.0026% | 2,595 |
| Net loans and leases to deposits | 76.5390% | 2,796 |
| Net loans and leases to core deposits | 80.0274% | 3,019 |
| Total domestic deposits to total assets | 86.2339% | 3,242 |
| Equity capital to assets | 11.3631% | 2,414 |
| Core capital (leverage) ratio | 10.2246% | 3,194 |
| Tier 1 risk-based capital ratio | 14.0307% | 4,401 |
| Total risk-based capital ratio | 14.7630% | 4,719 |
| Memoranda: | ||
| Average total assets | $146,238,000 | 3,834 |
| Average earning assets | $130,634,670 | 3,894 |
| Average equity | $17,003,330 | 3,621 |
| Average total loans | $100,049,670 | 3,492 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6192% | 1,773 |
| Cost of funding earning assets | 0.6800% | 2,390 |
| Net interest margin | 3.9392% | 1,983 |
| Noninterest income to average assets | 0.9962% | 1,470 |
| Noninterest expense to average assets | 3.8694% | 1,034 |
| Loan and lease loss provision to assets | 0.3440% | 961 |
| Net operating income to assets | 0.1617% | 6,001 |
| Return on assets (ROA) | 0.1459% | 6,153 |
| Pretax return on assets | 0.2972% | 5,859 |
| Return on Equity (ROE) | 1.2401% | 6,161 |
| Retained earnings to average equity (ytd only) | 1.2401% | 5,351 |
| Net charge-offs to loans | 0.1031% | 2,833 |
| Credit loss provision to net charge-offs | 480.7692% | 545 |
| Earnings coverage of net charge-offs (x) | 9.3077% | 1,852 |
| Efficiency ratio | 85.3155% | 1,607 |
| Assets per employee ($millions) | 3.3667% | 5,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 5,778 |
| Loan loss allowance to noncurrent loans | 40.8369% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 1.8264% | 2,575 |
| Noncurrent loans to loans | 2.5821% | 1,999 |
| Net loans and leases to total assets | 68.3178% | 1,953 |
| Net loans and leases to deposits | 79.7483% | 2,110 |
| Net loans and leases to core deposits | 82.3293% | 2,531 |
| Total domestic deposits to total assets | 85.6668% | 3,700 |
| Equity capital to assets | 11.8140% | 2,164 |
| Core capital (leverage) ratio | 10.5665% | 2,691 |
| Tier 1 risk-based capital ratio | 14.7199% | 4,021 |
| Total risk-based capital ratio | 15.7569% | 4,137 |
| Memoranda: | ||
| Average total assets | $145,345,500 | 3,890 |
| Average earning assets | $130,585,500 | 3,927 |
| Average equity | $17,095,000 | 3,655 |
| Average total loans | $100,833,500 | 3,484 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7562% | 2,379 |
| Cost of funding earning assets | 0.8732% | 2,108 |
| Net interest margin | 3.8830% | 2,904 |
| Noninterest income to average assets | 0.9972% | 1,543 |
| Noninterest expense to average assets | 3.5448% | 1,730 |
| Loan and lease loss provision to assets | 0.0998% | 4,396 |
| Net operating income to assets | 0.4825% | 4,756 |
| Return on assets (ROA) | 0.4968% | 4,954 |
| Pretax return on assets | 0.7663% | 4,427 |
| Return on Equity (ROE) | 4.1423% | 5,083 |
| Retained earnings to average equity (ytd only) | 2.6565% | 4,364 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7699% | 2,041 |
| Assets per employee ($millions) | 3.1047% | 5,836 |
| Cash dividends to net income (ytd only)* | 35.8680% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9389% | 6,163 |
| Loan loss allowance to noncurrent loans | 238.7500% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 5,826 |
| Noncurrent loans to loans | 0.3933% | 5,513 |
| Net loans and leases to total assets | 69.0472% | 2,023 |
| Net loans and leases to deposits | 80.8615% | 2,168 |
| Net loans and leases to core deposits | 84.0486% | 2,544 |
| Total domestic deposits to total assets | 85.3895% | 3,664 |
| Equity capital to assets | 11.7097% | 2,263 |
| Core capital (leverage) ratio | 10.8233% | 2,413 |
| Tier 1 risk-based capital ratio | 14.4745% | 4,054 |
| Total risk-based capital ratio | 15.4016% | 4,232 |
| Memoranda: | ||
| Average total assets | $140,290,200 | 3,945 |
| Average earning assets | $122,534,400 | 4,054 |
| Average equity | $16,826,400 | 3,654 |
| Average total loans | $93,300,000 | 3,668 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7344% | 2,647 |
| Cost of funding earning assets | 0.8979% | 2,181 |
| Net interest margin | 3.8364% | 3,180 |
| Noninterest income to average assets | 0.9715% | 1,592 |
| Noninterest expense to average assets | 3.4954% | 1,770 |
| Loan and lease loss provision to assets | 0.1104% | 4,189 |
| Net operating income to assets | 0.4398% | 5,080 |
| Return on assets (ROA) | 0.4589% | 5,248 |
| Pretax return on assets | 0.7219% | 4,787 |
| Return on Equity (ROE) | 3.8023% | 5,368 |
| Retained earnings to average equity (ytd only) | 1.8136% | 5,429 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3268% | 1,895 |
| Assets per employee ($millions) | 3.0987% | 5,854 |
| Cash dividends to net income (ytd only)* | 52.3018% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 6,250 |
| Loan loss allowance to noncurrent loans | 60.5075% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 1.0677% | 4,152 |
| Noncurrent loans to loans | 1.5679% | 3,438 |
| Net loans and leases to total assets | 66.6701% | 2,528 |
| Net loans and leases to deposits | 78.0084% | 2,658 |
| Net loans and leases to core deposits | 80.7157% | 3,118 |
| Total domestic deposits to total assets | 85.4653% | 3,529 |
| Equity capital to assets | 11.6185% | 2,627 |
| Core capital (leverage) ratio | 10.8545% | 2,542 |
| Tier 1 risk-based capital ratio | 15.0232% | 3,835 |
| Total risk-based capital ratio | 15.9743% | 3,997 |
| Memoranda: | ||
| Average total assets | $138,882,250 | 4,008 |
| Average earning assets | $120,421,000 | 4,143 |
| Average equity | $16,761,250 | 3,696 |
| Average total loans | $91,197,500 | 3,754 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7619% | 2,670 |
| Cost of funding earning assets | 0.8965% | 2,431 |
| Net interest margin | 3.8654% | 3,062 |
| Noninterest income to average assets | 0.9383% | 1,653 |
| Noninterest expense to average assets | 3.3155% | 2,267 |
| Loan and lease loss provision to assets | 0.0790% | 4,617 |
| Net operating income to assets | 0.5421% | 4,616 |
| Return on assets (ROA) | 0.5431% | 4,891 |
| Pretax return on assets | 0.8461% | 4,294 |
| Return on Equity (ROE) | 4.4410% | 5,064 |
| Retained earnings to average equity (ytd only) | 4.4410% | 3,645 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2113% | 2,428 |
| Assets per employee ($millions) | 3.8682% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9072% | 6,436 |
| Loan loss allowance to noncurrent loans | 790.0000% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 6,552 |
| Noncurrent loans to loans | 0.1148% | 6,372 |
| Net loans and leases to total assets | 64.5722% | 2,916 |
| Net loans and leases to deposits | 76.2359% | 2,952 |
| Net loans and leases to core deposits | 80.0925% | 3,205 |
| Total domestic deposits to total assets | 84.7005% | 4,001 |
| Equity capital to assets | 11.5163% | 2,576 |
| Core capital (leverage) ratio | 11.4225% | 1,951 |
| Tier 1 risk-based capital ratio | 15.1862% | 3,642 |
| Total risk-based capital ratio | 16.0759% | 3,839 |
| Memoranda: | ||
| Average total assets | $136,630,330 | 4,061 |
| Average earning assets | $116,675,000 | 4,247 |
| Average equity | $16,708,000 | 3,699 |
| Average total loans | $88,921,000 | 3,833 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8945% | 2,262 |
| Cost of funding earning assets | 0.8329% | 3,200 |
| Net interest margin | 4.0615% | 2,251 |
| Noninterest income to average assets | 0.9677% | 1,516 |
| Noninterest expense to average assets | 3.1891% | 2,640 |
| Loan and lease loss provision to assets | 0.0791% | 4,410 |
| Net operating income to assets | 0.6553% | 4,104 |
| Return on assets (ROA) | 0.6573% | 4,306 |
| Pretax return on assets | 1.0559% | 3,480 |
| Return on Equity (ROE) | 5.2054% | 4,690 |
| Retained earnings to average equity (ytd only) | 5.2054% | 3,433 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8028% | 3,126 |
| Assets per employee ($millions) | 4.0952% | 3,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 6,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 6,847 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 60.3413% | 3,586 |
| Net loans and leases to deposits | 72.1504% | 3,416 |
| Net loans and leases to core deposits | 74.9023% | 3,761 |
| Total domestic deposits to total assets | 83.6327% | 4,664 |
| Equity capital to assets | 11.3479% | 2,578 |
| Core capital (leverage) ratio | 12.9466% | 1,147 |
| Tier 1 risk-based capital ratio | 15.8865% | 3,225 |
| Total risk-based capital ratio | 16.7967% | 3,397 |
| Memoranda: | ||
| Average total assets | $131,449,500 | 4,205 |
| Average earning assets | $108,530,500 | 4,468 |
| Average equity | $16,598,000 | 3,714 |
| Average total loans | $85,489,000 | 3,954 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0576% | 2,620 |
| Cost of funding earning assets | 1.0635% | 2,928 |
| Net interest margin | 3.9940% | 2,915 |
| Noninterest income to average assets | 1.0842% | 1,131 |
| Noninterest expense to average assets | 3.6262% | 1,691 |
| Loan and lease loss provision to assets | 0.1150% | 5,161 |
| Net operating income to assets | 0.6932% | 3,520 |
| Return on assets (ROA) | 0.7500% | 3,427 |
| Pretax return on assets | 1.0968% | 2,852 |
| Return on Equity (ROE) | 5.2580% | 4,273 |
| Retained earnings to average equity (ytd only) | 5.2580% | 2,481 |
| Net charge-offs to loans | 0.0370% | 5,948 |
| Credit loss provision to net charge-offs | 457.1429% | 493 |
| Earnings coverage of net charge-offs (x) | 44.8571% | 613 |
| Efficiency ratio | 76.2705% | 2,844 |
| Assets per employee ($millions) | 3.6085% | 4,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 6,204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 6,897 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 69.5950% | 2,115 |
| Net loans and leases to deposits | 87.4622% | 1,458 |
| Net loans and leases to core deposits | 91.7867% | 1,909 |
| Total domestic deposits to total assets | 79.5715% | 5,852 |
| Equity capital to assets | 14.2599% | 984 |
| Core capital (leverage) ratio | 14.3487% | 744 |
| Tier 1 risk-based capital ratio | 19.5694% | 1,734 |
| Total risk-based capital ratio | 20.5641% | 1,781 |
| Memoranda: | ||
| Average total assets | $111,327,600 | 4,610 |
| Average earning assets | $102,302,400 | 4,578 |
| Average equity | $15,880,600 | 3,746 |
| Average total loans | $75,737,200 | 4,285 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0259% | 2,964 |
| Cost of funding earning assets | 1.0913% | 3,035 |
| Net interest margin | 3.9346% | 3,211 |
| Noninterest income to average assets | 1.0989% | 1,101 |
| Noninterest expense to average assets | 3.6387% | 1,632 |
| Loan and lease loss provision to assets | 0.1426% | 4,658 |
| Net operating income to assets | 0.6793% | 3,718 |
| Return on assets (ROA) | 0.7531% | 3,532 |
| Pretax return on assets | 1.0566% | 3,184 |
| Return on Equity (ROE) | 5.2792% | 4,404 |
| Retained earnings to average equity (ytd only) | 5.2792% | 3,005 |
| Net charge-offs to loans | 0.0502% | 5,481 |
| Credit loss provision to net charge-offs | 421.4286% | 670 |
| Earnings coverage of net charge-offs (x) | 32.3592% | 884 |
| Efficiency ratio | 76.8641% | 2,696 |
| Assets per employee ($millions) | 3.7350% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 6,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 6,955 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 70.8014% | 1,930 |
| Net loans and leases to deposits | 91.7569% | 1,033 |
| Net loans and leases to core deposits | 94.9664% | 1,702 |
| Total domestic deposits to total assets | 77.1620% | 6,350 |
| Equity capital to assets | 14.6087% | 956 |
| Core capital (leverage) ratio | 14.2645% | 827 |
| Tier 1 risk-based capital ratio | 19.7247% | 1,753 |
| Total risk-based capital ratio | 20.7283% | 1,794 |
| Memoranda: | ||
| Average total assets | $110,291,750 | 4,666 |
| Average earning assets | $101,897,000 | 4,615 |
| Average equity | $15,734,250 | 3,784 |
| Average total loans | $74,377,250 | 4,373 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9597% | 3,356 |
| Cost of funding earning assets | 1.1249% | 3,071 |
| Net interest margin | 3.8349% | 3,622 |
| Noninterest income to average assets | 1.0173% | 1,281 |
| Noninterest expense to average assets | 3.4966% | 1,989 |
| Loan and lease loss provision to assets | 0.1039% | 5,010 |
| Net operating income to assets | 0.6847% | 3,629 |
| Return on assets (ROA) | 0.7073% | 3,616 |
| Pretax return on assets | 0.9717% | 3,355 |
| Return on Equity (ROE) | 4.9991% | 4,451 |
| Retained earnings to average equity (ytd only) | 4.9991% | 3,008 |
| Net charge-offs to loans | 0.0193% | 5,571 |
| Credit loss provision to net charge-offs | 814.2857% | 406 |
| Earnings coverage of net charge-offs (x) | 81.8571% | 417 |
| Efficiency ratio | 76.9972% | 2,861 |
| Assets per employee ($millions) | 3.8050% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 6,321 |
| Loan loss allowance to noncurrent loans | 742.7184% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 6,588 |
| Noncurrent loans to loans | 0.1350% | 6,640 |
| Net loans and leases to total assets | 68.4541% | 2,524 |
| Net loans and leases to deposits | 86.2951% | 1,748 |
| Net loans and leases to core deposits | 90.5565% | 2,303 |
| Total domestic deposits to total assets | 79.3256% | 5,999 |
| Equity capital to assets | 14.4430% | 959 |
| Core capital (leverage) ratio | 14.1764% | 830 |
| Tier 1 risk-based capital ratio | 19.9432% | 1,617 |
| Total risk-based capital ratio | 20.9221% | 1,649 |
| Memoranda: | ||
| Average total assets | $109,705,670 | 4,706 |
| Average earning assets | $100,811,670 | 4,687 |
| Average equity | $15,522,670 | 3,816 |
| Average total loans | $72,457,000 | 4,489 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8668% | 3,738 |
| Cost of funding earning assets | 1.1925% | 2,869 |
| Net interest margin | 3.6743% | 4,229 |
| Noninterest income to average assets | 1.0568% | 1,177 |
| Noninterest expense to average assets | 3.5397% | 1,905 |
| Loan and lease loss provision to assets | 0.0146% | 5,734 |
| Net operating income to assets | 0.6271% | 3,885 |
| Return on assets (ROA) | 0.6546% | 3,805 |
| Pretax return on assets | 0.8740% | 3,600 |
| Return on Equity (ROE) | 4.6750% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.6750% | 3,391 |
| Net charge-offs to loans | 0.0454% | 4,487 |
| Credit loss provision to net charge-offs | 50.0000% | 3,744 |
| Earnings coverage of net charge-offs (x) | 29.1250% | 845 |
| Efficiency ratio | 80.5995% | 2,420 |
| Assets per employee ($millions) | 3.7872% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 6,337 |
| Loan loss allowance to noncurrent loans | 100.9957% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.7102% | 5,515 |
| Noncurrent loans to loans | 1.0050% | 5,043 |
| Net loans and leases to total assets | 63.0422% | 3,643 |
| Net loans and leases to deposits | 79.0154% | 2,890 |
| Net loans and leases to core deposits | 80.4709% | 3,674 |
| Total domestic deposits to total assets | 79.7848% | 5,997 |
| Equity capital to assets | 14.0593% | 993 |
| Core capital (leverage) ratio | 14.1572% | 817 |
| Tier 1 risk-based capital ratio | 20.7470% | 1,442 |
| Total risk-based capital ratio | 21.7065% | 1,468 |
| Memoranda: | ||
| Average total assets | $109,386,500 | 4,749 |
| Average earning assets | $99,285,500 | 4,759 |
| Average equity | $15,315,500 | 3,845 |
| Average total loans | $70,535,500 | 4,602 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0109% | 4,505 |
| Cost of funding earning assets | 1.6595% | 1,782 |
| Net interest margin | 3.3514% | 5,783 |
| Noninterest income to average assets | 1.0288% | 1,418 |
| Noninterest expense to average assets | 3.5052% | 2,156 |
| Loan and lease loss provision to assets | 0.1208% | 5,953 |
| Net operating income to assets | 0.8159% | 2,728 |
| Return on assets (ROA) | 0.9258% | 2,418 |
| Pretax return on assets | 0.5763% | 4,397 |
| Return on Equity (ROE) | 6.2252% | 3,499 |
| Retained earnings to average equity (ytd only) | 6.2252% | 1,705 |
| Net charge-offs to loans | 0.0750% | 6,052 |
| Credit loss provision to net charge-offs | 239.2157% | 1,209 |
| Earnings coverage of net charge-offs (x) | 11.6275% | 1,587 |
| Efficiency ratio | 85.6521% | 1,730 |
| Assets per employee ($millions) | 3.7567% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0053% | 6,365 |
| Loan loss allowance to noncurrent loans | 112.7760% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.5985% | 5,827 |
| Noncurrent loans to loans | 0.8914% | 5,275 |
| Net loans and leases to total assets | 64.6271% | 3,744 |
| Net loans and leases to deposits | 78.6954% | 3,392 |
| Net loans and leases to core deposits | 82.3023% | 3,864 |
| Total domestic deposits to total assets | 82.1231% | 5,152 |
| Equity capital to assets | 13.9428% | 1,053 |
| Core capital (leverage) ratio | 14.1029% | 825 |
| Tier 1 risk-based capital ratio | 19.8692% | 1,511 |
| Total risk-based capital ratio | 20.8042% | 1,553 |
| Memoranda: | ||
| Average total assets | $100,992,800 | 4,955 |
| Average earning assets | $92,318,800 | 4,934 |
| Average equity | $15,019,600 | 3,937 |
| Average total loans | $68,043,200 | 4,747 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9967% | 4,829 |
| Cost of funding earning assets | 1.7508% | 1,623 |
| Net interest margin | 3.2460% | 6,188 |
| Noninterest income to average assets | 0.9885% | 1,492 |
| Noninterest expense to average assets | 3.4704% | 2,114 |
| Loan and lease loss provision to assets | 0.1360% | 5,669 |
| Net operating income to assets | 0.9346% | 2,479 |
| Return on assets (ROA) | 1.0895% | 2,033 |
| Pretax return on assets | 0.5131% | 4,882 |
| Return on Equity (ROE) | 7.2020% | 3,254 |
| Retained earnings to average equity (ytd only) | 7.2020% | 1,752 |
| Net charge-offs to loans | 0.0832% | 5,696 |
| Credit loss provision to net charge-offs | 240.4762% | 1,406 |
| Earnings coverage of net charge-offs (x) | 8.7379% | 2,119 |
| Efficiency ratio | 87.5340% | 1,491 |
| Assets per employee ($millions) | 3.5841% | 4,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 6,376 |
| Loan loss allowance to noncurrent loans | 111.7647% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.6225% | 5,886 |
| Noncurrent loans to loans | 0.8984% | 5,447 |
| Net loans and leases to total assets | 66.6805% | 3,531 |
| Net loans and leases to deposits | 82.0813% | 3,090 |
| Net loans and leases to core deposits | 84.2096% | 3,906 |
| Total domestic deposits to total assets | 81.2371% | 5,288 |
| Equity capital to assets | 14.7096% | 964 |
| Core capital (leverage) ratio | 14.5294% | 814 |
| Tier 1 risk-based capital ratio | 20.4149% | 1,462 |
| Total risk-based capital ratio | 21.3676% | 1,489 |
| Memoranda: | ||
| Average total assets | $99,004,750 | 5,078 |
| Average earning assets | $90,777,250 | 5,044 |
| Average equity | $14,977,000 | 3,988 |
| Average total loans | $67,273,250 | 4,850 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9318% | 5,262 |
| Cost of funding earning assets | 1.8007% | 1,639 |
| Net interest margin | 3.1311% | 6,515 |
| Noninterest income to average assets | 0.9552% | 1,500 |
| Noninterest expense to average assets | 3.4593% | 2,123 |
| Loan and lease loss provision to assets | 0.1705% | 5,166 |
| Net operating income to assets | 1.2736% | 1,377 |
| Return on assets (ROA) | 1.3640% | 1,232 |
| Pretax return on assets | 0.3020% | 5,496 |
| Return on Equity (ROE) | 8.9289% | 2,498 |
| Retained earnings to average equity (ytd only) | 8.9289% | 1,124 |
| Net charge-offs to loans | 0.1236% | 4,952 |
| Credit loss provision to net charge-offs | 202.4390% | 1,930 |
| Earnings coverage of net charge-offs (x) | 4.5366% | 2,924 |
| Efficiency ratio | 90.0535% | 1,329 |
| Assets per employee ($millions) | 4.0173% | 3,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 6,376 |
| Loan loss allowance to noncurrent loans | 109.9359% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.6931% | 5,763 |
| Noncurrent loans to loans | 0.9141% | 5,450 |
| Net loans and leases to total assets | 64.6983% | 4,109 |
| Net loans and leases to deposits | 80.4146% | 3,531 |
| Net loans and leases to core deposits | 81.7512% | 4,452 |
| Total domestic deposits to total assets | 80.4559% | 5,574 |
| Equity capital to assets | 14.5475% | 998 |
| Core capital (leverage) ratio | 14.5233% | 814 |
| Tier 1 risk-based capital ratio | 20.6104% | 1,405 |
| Total risk-based capital ratio | 21.5581% | 1,432 |
| Memoranda: | ||
| Average total assets | $97,360,000 | 5,158 |
| Average earning assets | $89,743,670 | 5,103 |
| Average equity | $14,873,000 | 4,016 |
| Average total loans | $66,361,000 | 4,923 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0086% | 4,987 |
| Cost of funding earning assets | 1.8179% | 1,809 |
| Net interest margin | 3.1907% | 6,318 |
| Noninterest income to average assets | 0.8783% | 1,705 |
| Noninterest expense to average assets | 3.4749% | 2,051 |
| Loan and lease loss provision to assets | 0.1407% | 5,142 |
| Net operating income to assets | 2.5668% | 138 |
| Return on assets (ROA) | 2.5668% | 151 |
| Pretax return on assets | 0.1961% | 5,884 |
| Return on Equity (ROE) | 16.3676% | 676 |
| Retained earnings to average equity (ytd only) | 16.3676% | 316 |
| Net charge-offs to loans | 0.0428% | 4,995 |
| Credit loss provision to net charge-offs | 471.4286% | 893 |
| Earnings coverage of net charge-offs (x) | 11.2857% | 1,659 |
| Efficiency ratio | 91.1633% | 1,338 |
| Assets per employee ($millions) | 3.9735% | 3,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 6,439 |
| Loan loss allowance to noncurrent loans | 139.0041% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.5033% | 6,235 |
| Noncurrent loans to loans | 0.7230% | 5,877 |
| Net loans and leases to total assets | 66.4378% | 3,766 |
| Net loans and leases to deposits | 83.4119% | 3,041 |
| Net loans and leases to core deposits | 85.2104% | 4,008 |
| Total domestic deposits to total assets | 79.6503% | 5,901 |
| Equity capital to assets | 15.1251% | 849 |
| Core capital (leverage) ratio | 15.8880% | 600 |
| Tier 1 risk-based capital ratio | 21.0567% | 1,333 |
| Total risk-based capital ratio | 22.0064% | 1,358 |
| Memoranda: | ||
| Average total assets | $93,814,500 | 5,325 |
| Average earning assets | $86,252,000 | 5,298 |
| Average equity | $14,712,000 | 4,077 |
| Average total loans | $65,409,500 | 5,021 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5639% | 3,790 |
| Cost of funding earning assets | 2.2051% | 2,006 |
| Net interest margin | 3.3588% | 5,528 |
| Noninterest income to average assets | 0.6809% | 3,080 |
| Noninterest expense to average assets | 3.2501% | 3,193 |
| Loan and lease loss provision to assets | 0.1635% | 6,055 |
| Net operating income to assets | 0.3322% | 4,405 |
| Return on assets (ROA) | 0.3322% | 4,495 |
| Pretax return on assets | 0.3322% | 4,679 |
| Return on Equity (ROE) | 1.8752% | 4,951 |
| Retained earnings to average equity (ytd only) | 1.8752% | 3,780 |
| Net charge-offs to loans | 0.1269% | 5,923 |
| Credit loss provision to net charge-offs | 177.7778% | 2,349 |
| Earnings coverage of net charge-offs (x) | 5.3889% | 2,617 |
| Efficiency ratio | 86.7667% | 2,027 |
| Assets per employee ($millions) | 4.6469% | 2,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 6,355 |
| Loan loss allowance to noncurrent loans | 133.6100% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.5459% | 6,081 |
| Noncurrent loans to loans | 0.7514% | 5,758 |
| Net loans and leases to total assets | 71.9292% | 2,764 |
| Net loans and leases to deposits | 92.9770% | 1,736 |
| Net loans and leases to core deposits | 130.5520% | 1,250 |
| Total domestic deposits to total assets | 77.3624% | 6,376 |
| Equity capital to assets | 16.3086% | 656 |
| Core capital (leverage) ratio | 16.7348% | 520 |
| Tier 1 risk-based capital ratio | 21.1642% | 1,266 |
| Total risk-based capital ratio | 22.1207% | 1,284 |
| Memoranda: | ||
| Average total assets | $78,275,000 | 5,776 |
| Average earning assets | $71,424,200 | 5,770 |
| Average equity | $13,865,000 | 4,293 |
| Average total loans | $56,750,400 | 5,391 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6465% | 3,593 |
| Cost of funding earning assets | 2.3069% | 1,959 |
| Net interest margin | 3.3397% | 5,492 |
| Noninterest income to average assets | 0.6933% | 3,066 |
| Noninterest expense to average assets | 3.2237% | 3,221 |
| Loan and lease loss provision to assets | 0.1584% | 5,765 |
| Net operating income to assets | 0.3555% | 4,572 |
| Return on assets (ROA) | 0.3555% | 4,668 |
| Pretax return on assets | 0.3555% | 4,914 |
| Return on Equity (ROE) | 1.9614% | 5,174 |
| Retained earnings to average equity (ytd only) | 1.9614% | 4,230 |
| Net charge-offs to loans | 0.1724% | 5,012 |
| Credit loss provision to net charge-offs | 126.7606% | 3,964 |
| Earnings coverage of net charge-offs (x) | 4.1128% | 3,257 |
| Efficiency ratio | 86.2524% | 2,034 |
| Assets per employee ($millions) | 4.2709% | 3,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 6,236 |
| Loan loss allowance to noncurrent loans | 165.8470% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.4510% | 6,328 |
| Noncurrent loans to loans | 0.6083% | 6,090 |
| Net loans and leases to total assets | 73.4014% | 2,687 |
| Net loans and leases to deposits | 97.2775% | 1,404 |
| Net loans and leases to core deposits | 130.8502% | 1,381 |
| Total domestic deposits to total assets | 75.4557% | 6,686 |
| Equity capital to assets | 17.6568% | 546 |
| Core capital (leverage) ratio | 17.6130% | 487 |
| Tier 1 risk-based capital ratio | 22.4285% | 1,177 |
| Total risk-based capital ratio | 23.3901% | 1,190 |
| Memoranda: | ||
| Average total assets | $75,771,000 | 5,881 |
| Average earning assets | $69,067,000 | 5,880 |
| Average equity | $13,731,500 | 4,352 |
| Average total loans | $54,900,250 | 5,520 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6884% | 3,610 |
| Cost of funding earning assets | 2.4150% | 1,905 |
| Net interest margin | 3.2734% | 5,643 |
| Noninterest income to average assets | 0.7164% | 2,890 |
| Noninterest expense to average assets | 3.3388% | 2,828 |
| Loan and lease loss provision to assets | 0.1081% | 6,077 |
| Net operating income to assets | 0.2487% | 5,086 |
| Return on assets (ROA) | 0.2487% | 5,188 |
| Pretax return on assets | 0.2487% | 5,331 |
| Return on Equity (ROE) | 1.3597% | 5,516 |
| Retained earnings to average equity (ytd only) | 1.3597% | 4,581 |
| Net charge-offs to loans | 0.2785% | 3,803 |
| Credit loss provision to net charge-offs | 54.0541% | 5,697 |
| Earnings coverage of net charge-offs (x) | 1.7838% | 4,219 |
| Efficiency ratio | 90.3438% | 1,776 |
| Assets per employee ($millions) | 4.2197% | 3,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 6,090 |
| Loan loss allowance to noncurrent loans | 151.3661% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.4565% | 6,300 |
| Noncurrent loans to loans | 0.6726% | 5,903 |
| Net loans and leases to total assets | 67.1839% | 4,319 |
| Net loans and leases to deposits | 89.9337% | 2,842 |
| Net loans and leases to core deposits | 121.8146% | 2,223 |
| Total domestic deposits to total assets | 74.7038% | 6,822 |
| Equity capital to assets | 17.5319% | 602 |
| Core capital (leverage) ratio | 17.6780% | 546 |
| Tier 1 risk-based capital ratio | 24.0299% | 1,032 |
| Total risk-based capital ratio | 24.9778% | 1,045 |
| Memoranda: | ||
| Average total assets | $73,979,000 | 5,979 |
| Average earning assets | $67,329,670 | 5,973 |
| Average equity | $13,532,670 | 4,415 |
| Average total loans | $53,143,670 | 5,631 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9082% | 2,758 |
| Cost of funding earning assets | 2.5330% | 1,789 |
| Net interest margin | 3.3752% | 5,234 |
| Noninterest income to average assets | 0.7618% | 2,529 |
| Noninterest expense to average assets | 3.5496% | 1,971 |
| Loan and lease loss provision to assets | 0.1185% | 5,450 |
| Net operating income to assets | 0.1467% | 5,832 |
| Return on assets (ROA) | 0.1467% | 6,001 |
| Pretax return on assets | 0.1467% | 6,058 |
| Return on Equity (ROE) | 0.7837% | 6,192 |
| Retained earnings to average equity (ytd only) | 0.7837% | 5,345 |
| Net charge-offs to loans | 0.0609% | 4,606 |
| Credit loss provision to net charge-offs | 262.5000% | 1,800 |
| Earnings coverage of net charge-offs (x) | 5.8750% | 2,593 |
| Efficiency ratio | 93.0473% | 1,495 |
| Assets per employee ($millions) | 4.0563% | 3,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 5,259 |
| Loan loss allowance to noncurrent loans | 120.9256% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.6449% | 5,552 |
| Noncurrent loans to loans | 0.9346% | 5,130 |
| Net loans and leases to total assets | 68.2211% | 4,081 |
| Net loans and leases to deposits | 92.6207% | 2,493 |
| Net loans and leases to core deposits | 124.9329% | 1,999 |
| Total domestic deposits to total assets | 73.6564% | 6,941 |
| Equity capital to assets | 18.2548% | 574 |
| Core capital (leverage) ratio | 18.8331% | 466 |
| Tier 1 risk-based capital ratio | 23.9238% | 1,093 |
| Total risk-based capital ratio | 24.9525% | 1,091 |
| Memoranda: | ||
| Average total assets | $70,881,500 | 6,099 |
| Average earning assets | $64,114,000 | 6,106 |
| Average equity | $13,271,000 | 4,517 |
| Average total loans | $52,506,500 | 5,691 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4414% | 3,220 |
| Cost of funding earning assets | 2.8415% | 2,517 |
| Net interest margin | 3.5999% | 4,886 |
| Noninterest income to average assets | 1.0271% | 1,504 |
| Noninterest expense to average assets | 3.9642% | 1,469 |
| Loan and lease loss provision to assets | 0.1525% | 5,408 |
| Net operating income to assets | 0.1847% | 5,893 |
| Return on assets (ROA) | 0.1847% | 5,721 |
| Pretax return on assets | 0.1847% | 5,765 |
| Return on Equity (ROE) | 0.9373% | 5,938 |
| Retained earnings to average equity (ytd only) | 0.9373% | 4,667 |
| Net charge-offs to loans | 0.0270% | 6,453 |
| Credit loss provision to net charge-offs | 750.0000% | 560 |
| Earnings coverage of net charge-offs (x) | 16.5833% | 1,837 |
| Efficiency ratio | 92.1592% | 1,375 |
| Assets per employee ($millions) | 3.4049% | 4,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1344% | 5,026 |
| Loan loss allowance to noncurrent loans | 163.7883% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.5549% | 5,515 |
| Noncurrent loans to loans | 0.6926% | 5,306 |
| Net loans and leases to total assets | 79.2141% | 1,834 |
| Net loans and leases to deposits | 98.5405% | 2,045 |
| Net loans and leases to core deposits | 132.3673% | 1,700 |
| Total domestic deposits to total assets | 80.3874% | 4,872 |
| Equity capital to assets | 19.2803% | 522 |
| Core capital (leverage) ratio | 19.4449% | 476 |
| Tier 1 risk-based capital ratio | 22.8871% | 1,209 |
| Total risk-based capital ratio | 23.9682% | 1,197 |
| Memoranda: | ||
| Average total assets | $59,003,800 | 6,416 |
| Average earning assets | $53,668,200 | 6,429 |
| Average equity | $11,629,200 | 4,934 |
| Average total loans | $44,439,200 | 5,952 |