Home > Wells Federal Bank > Performance and Condition Ratios
Wells Federal Bank, Performance and Condition Ratios
| 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 | 4.0293% | 3,093 |
| Cost of funding earning assets | 0.1353% | 5,419 |
| Net interest margin | 3.8939% | 1,951 |
| Noninterest income to average assets | 1.2485% | 667 |
| Noninterest expense to average assets | 3.2944% | 1,382 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0550% | 2,185 |
| Return on assets (ROA) | 1.0580% | 2,213 |
| Pretax return on assets | 1.6205% | 1,279 |
| Return on Equity (ROE) | 10.8602% | 1,695 |
| Retained earnings to average equity (ytd only) | -13.7665% | 5,695 |
| Net charge-offs to loans | -0.0610% | 5,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0909% | 3,165 |
| Assets per employee ($millions) | 3.3316% | 4,950 |
| Cash dividends to net income (ytd only)* | 226.7616% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 4,219 |
| Loan loss allowance to noncurrent loans | 119.0563% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 1.2483% | 1,346 |
| Noncurrent loans to loans | 0.8311% | 2,323 |
| Net loans and leases to total assets | 73.8890% | 1,890 |
| Net loans and leases to deposits | 82.1031% | 2,688 |
| Net loans and leases to core deposits | 82.2856% | 3,228 |
| Total domestic deposits to total assets | 89.9954% | 540 |
| Equity capital to assets | 9.6080% | 4,305 |
| Core capital (leverage) ratio | 9.6124% | 4,007 |
| Tier 1 risk-based capital ratio | 12.7363% | 4,160 |
| Total risk-based capital ratio | 13.7833% | 4,182 |
| Memoranda: | ||
| Average total assets | $265,600,670 | 2,403 |
| Average earning assets | $249,772,670 | 2,379 |
| Average equity | $25,874,330 | 2,638 |
| Average total loans | $200,149,000 | 2,165 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1120% | 2,612 |
| Cost of funding earning assets | 0.1350% | 5,461 |
| Net interest margin | 3.9769% | 1,532 |
| Noninterest income to average assets | 1.2190% | 695 |
| Noninterest expense to average assets | 3.1968% | 1,616 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1001% | 1,870 |
| Return on assets (ROA) | 1.1058% | 1,882 |
| Pretax return on assets | 1.7636% | 874 |
| Return on Equity (ROE) | 11.2737% | 1,474 |
| Retained earnings to average equity (ytd only) | -37.7276% | 5,810 |
| Net charge-offs to loans | -0.1833% | 5,604 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5643% | 3,736 |
| Assets per employee ($millions) | 3.1268% | 5,247 |
| Cash dividends to net income (ytd only)* | 434.6521% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 4,332 |
| Loan loss allowance to noncurrent loans | 92.7180% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.4426% | 1,141 |
| Noncurrent loans to loans | 1.0715% | 1,912 |
| Net loans and leases to total assets | 74.9550% | 1,584 |
| Net loans and leases to deposits | 82.9450% | 2,400 |
| Net loans and leases to core deposits | 83.1295% | 2,986 |
| Total domestic deposits to total assets | 90.3671% | 527 |
| Equity capital to assets | 9.3236% | 4,483 |
| Core capital (leverage) ratio | 9.3304% | 4,303 |
| Tier 1 risk-based capital ratio | 12.4006% | 4,449 |
| Total risk-based capital ratio | 13.4634% | 4,472 |
| Memoranda: | ||
| Average total assets | $265,137,000 | 2,428 |
| Average earning assets | $248,834,500 | 2,408 |
| Average equity | $26,007,500 | 2,640 |
| Average total loans | $200,772,000 | 2,174 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8893% | 3,604 |
| Cost of funding earning assets | 0.1401% | 5,484 |
| Net interest margin | 3.7492% | 2,512 |
| Noninterest income to average assets | 1.3258% | 650 |
| Noninterest expense to average assets | 3.3454% | 1,479 |
| Loan and lease loss provision to assets | 0.0148% | 4,075 |
| Net operating income to assets | 0.9546% | 2,558 |
| Return on assets (ROA) | 0.9550% | 2,664 |
| Pretax return on assets | 1.4921% | 1,604 |
| Return on Equity (ROE) | 9.5648% | 2,157 |
| Retained earnings to average equity (ytd only) | -6.1783% | 5,712 |
| Net charge-offs to loans | 0.0606% | 2,844 |
| Credit loss provision to net charge-offs | 33.0579% | 3,560 |
| Earnings coverage of net charge-offs (x) | 33.5372% | 1,335 |
| Efficiency ratio | 68.9542% | 3,083 |
| Assets per employee ($millions) | 3.1117% | 5,250 |
| Cash dividends to net income (ytd only)* | 164.5939% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 4,570 |
| Loan loss allowance to noncurrent loans | 111.5205% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.2926% | 1,364 |
| Noncurrent loans to loans | 0.8536% | 2,396 |
| Net loans and leases to total assets | 75.0197% | 1,690 |
| Net loans and leases to deposits | 83.8814% | 2,434 |
| Net loans and leases to core deposits | 84.0705% | 3,018 |
| Total domestic deposits to total assets | 89.4354% | 888 |
| Equity capital to assets | 10.2969% | 3,389 |
| Core capital (leverage) ratio | 10.2840% | 3,127 |
| Tier 1 risk-based capital ratio | 13.6132% | 3,698 |
| Total risk-based capital ratio | 14.6290% | 3,748 |
| Memoranda: | ||
| Average total assets | $269,416,400 | 2,366 |
| Average earning assets | $253,363,600 | 2,334 |
| Average equity | $26,900,800 | 2,577 |
| Average total loans | $199,533,400 | 2,127 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8747% | 3,675 |
| Cost of funding earning assets | 0.1413% | 5,536 |
| Net interest margin | 3.7334% | 2,581 |
| Noninterest income to average assets | 1.3375% | 656 |
| Noninterest expense to average assets | 3.3519% | 1,452 |
| Loan and lease loss provision to assets | 0.0197% | 3,849 |
| Net operating income to assets | 0.9521% | 2,642 |
| Return on assets (ROA) | 0.9528% | 2,781 |
| Pretax return on assets | 1.4823% | 1,766 |
| Return on Equity (ROE) | 9.6155% | 2,219 |
| Retained earnings to average equity (ytd only) | -11.4401% | 5,857 |
| Net charge-offs to loans | -0.0482% | 5,356 |
| Credit loss provision to net charge-offs | -55.5556% | 4,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0691% | 3,031 |
| Assets per employee ($millions) | 3.0113% | 5,382 |
| Cash dividends to net income (ytd only)* | 218.9766% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 4,115 |
| Loan loss allowance to noncurrent loans | 112.0000% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.3015% | 1,476 |
| Noncurrent loans to loans | 0.9383% | 2,366 |
| Net loans and leases to total assets | 74.6137% | 1,771 |
| Net loans and leases to deposits | 83.3983% | 2,558 |
| Net loans and leases to core deposits | 83.6785% | 3,158 |
| Total domestic deposits to total assets | 89.4667% | 685 |
| Equity capital to assets | 10.1265% | 4,003 |
| Core capital (leverage) ratio | 9.9426% | 3,641 |
| Tier 1 risk-based capital ratio | 13.5399% | 3,839 |
| Total risk-based capital ratio | 14.6733% | 3,814 |
| Memoranda: | ||
| Average total assets | $270,646,500 | 2,367 |
| Average earning assets | $254,846,750 | 2,331 |
| Average equity | $26,817,250 | 2,598 |
| Average total loans | $199,334,000 | 2,130 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8278% | 3,857 |
| Cost of funding earning assets | 0.1412% | 5,605 |
| Net interest margin | 3.6867% | 2,745 |
| Noninterest income to average assets | 1.2696% | 707 |
| Noninterest expense to average assets | 3.3772% | 1,415 |
| Loan and lease loss provision to assets | 0.0294% | 3,545 |
| Net operating income to assets | 0.8432% | 3,119 |
| Return on assets (ROA) | 0.8432% | 3,249 |
| Pretax return on assets | 1.3320% | 2,277 |
| Return on Equity (ROE) | 8.5710% | 2,712 |
| Retained earnings to average equity (ytd only) | -23.0201% | 5,984 |
| Net charge-offs to loans | -0.0743% | 5,517 |
| Credit loss provision to net charge-offs | -54.0541% | 4,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2715% | 2,775 |
| Assets per employee ($millions) | 3.0050% | 5,426 |
| Cash dividends to net income (ytd only)* | 368.5814% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 4,184 |
| Loan loss allowance to noncurrent loans | 107.6293% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.3004% | 1,554 |
| Noncurrent loans to loans | 0.9823% | 2,314 |
| Net loans and leases to total assets | 71.9400% | 2,183 |
| Net loans and leases to deposits | 80.0128% | 2,929 |
| Net loans and leases to core deposits | 80.3566% | 3,429 |
| Total domestic deposits to total assets | 89.9107% | 525 |
| Equity capital to assets | 9.5434% | 4,723 |
| Core capital (leverage) ratio | 9.4757% | 4,236 |
| Tier 1 risk-based capital ratio | 13.2795% | 4,029 |
| Total risk-based capital ratio | 14.4273% | 4,010 |
| Memoranda: | ||
| Average total assets | $272,529,670 | 2,357 |
| Average earning assets | $256,438,670 | 2,327 |
| Average equity | $26,811,330 | 2,607 |
| Average total loans | $199,170,670 | 2,134 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7927% | 3,969 |
| Cost of funding earning assets | 0.1392% | 5,684 |
| Net interest margin | 3.6535% | 2,876 |
| Noninterest income to average assets | 1.2820% | 667 |
| Noninterest expense to average assets | 3.3066% | 1,585 |
| Loan and lease loss provision to assets | 0.0294% | 3,265 |
| Net operating income to assets | 0.8748% | 2,877 |
| Return on assets (ROA) | 0.8748% | 2,991 |
| Pretax return on assets | 1.3805% | 1,961 |
| Return on Equity (ROE) | 8.7601% | 2,535 |
| Retained earnings to average equity (ytd only) | -53.5915% | 6,081 |
| Net charge-offs to loans | -0.1244% | 5,715 |
| Credit loss provision to net charge-offs | -32.2581% | 4,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1060% | 3,105 |
| Assets per employee ($millions) | 2.9940% | 5,515 |
| Cash dividends to net income (ytd only)* | 711.7647% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 4,352 |
| Loan loss allowance to noncurrent loans | 101.9704% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.3590% | 1,560 |
| Noncurrent loans to loans | 1.0265% | 2,332 |
| Net loans and leases to total assets | 72.6257% | 1,934 |
| Net loans and leases to deposits | 80.5326% | 2,726 |
| Net loans and leases to core deposits | 80.8831% | 3,245 |
| Total domestic deposits to total assets | 90.1817% | 532 |
| Equity capital to assets | 9.4286% | 4,740 |
| Core capital (leverage) ratio | 9.3165% | 4,472 |
| Tier 1 risk-based capital ratio | 12.9284% | 4,307 |
| Total risk-based capital ratio | 14.0554% | 4,303 |
| Memoranda: | ||
| Average total assets | $272,066,000 | 2,368 |
| Average earning assets | $255,755,000 | 2,341 |
| Average equity | $27,168,500 | 2,586 |
| Average total loans | $199,342,500 | 2,138 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 3,439 |
| Cost of funding earning assets | 0.1870% | 5,384 |
| Net interest margin | 3.7810% | 2,442 |
| Noninterest income to average assets | 2.3992% | 279 |
| Noninterest expense to average assets | 3.4465% | 1,394 |
| Loan and lease loss provision to assets | 0.0270% | 3,841 |
| Net operating income to assets | 1.9342% | 389 |
| Return on assets (ROA) | 1.9342% | 398 |
| Pretax return on assets | 2.4362% | 229 |
| Return on Equity (ROE) | 18.8554% | 320 |
| Retained earnings to average equity (ytd only) | 12.8361% | 213 |
| Net charge-offs to loans | 0.1256% | 2,123 |
| Credit loss provision to net charge-offs | 29.1667% | 3,667 |
| Earnings coverage of net charge-offs (x) | 26.5958% | 1,579 |
| Efficiency ratio | 58.3192% | 5,108 |
| Assets per employee ($millions) | 3.0862% | 5,437 |
| Cash dividends to net income (ytd only)* | 31.9234% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 4,676 |
| Loan loss allowance to noncurrent loans | 96.2712% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.3460% | 1,564 |
| Noncurrent loans to loans | 1.0278% | 2,280 |
| Net loans and leases to total assets | 72.4245% | 1,978 |
| Net loans and leases to deposits | 81.2999% | 2,679 |
| Net loans and leases to core deposits | 81.6513% | 3,184 |
| Total domestic deposits to total assets | 89.0831% | 1,078 |
| Equity capital to assets | 10.5328% | 3,320 |
| Core capital (leverage) ratio | 10.4798% | 2,953 |
| Tier 1 risk-based capital ratio | 14.5551% | 3,411 |
| Total risk-based capital ratio | 15.5621% | 3,458 |
| Memoranda: | ||
| Average total assets | $259,131,800 | 2,430 |
| Average earning assets | $240,600,400 | 2,420 |
| Average equity | $26,581,200 | 2,586 |
| Average total loans | $191,081,000 | 2,147 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9693% | 3,464 |
| Cost of funding earning assets | 0.1974% | 5,399 |
| Net interest margin | 3.7719% | 2,487 |
| Noninterest income to average assets | 2.7852% | 232 |
| Noninterest expense to average assets | 3.3729% | 1,525 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.3715% | 193 |
| Return on assets (ROA) | 2.3715% | 203 |
| Pretax return on assets | 2.9054% | 131 |
| Return on Equity (ROE) | 23.2871% | 154 |
| Retained earnings to average equity (ytd only) | 15.0802% | 162 |
| Net charge-offs to loans | 0.0233% | 3,472 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 168.5411% | 423 |
| Efficiency ratio | 53.7233% | 5,542 |
| Assets per employee ($millions) | 3.0851% | 5,447 |
| Cash dividends to net income (ytd only)* | 35.2423% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 4,437 |
| Loan loss allowance to noncurrent loans | 90.1187% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 1.6144% | 1,371 |
| Noncurrent loans to loans | 1.1721% | 2,182 |
| Net loans and leases to total assets | 74.1625% | 1,711 |
| Net loans and leases to deposits | 83.3812% | 2,473 |
| Net loans and leases to core deposits | 83.7495% | 3,073 |
| Total domestic deposits to total assets | 88.9439% | 1,051 |
| Equity capital to assets | 10.6243% | 3,444 |
| Core capital (leverage) ratio | 9.9457% | 3,713 |
| Tier 1 risk-based capital ratio | 11.3729% | 5,446 |
| Total risk-based capital ratio | 12.2446% | 5,561 |
| Memoranda: | ||
| Average total assets | $255,246,000 | 2,484 |
| Average earning assets | $236,374,500 | 2,469 |
| Average equity | $25,993,750 | 2,643 |
| Average total loans | $188,621,250 | 2,183 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9457% | 3,507 |
| Cost of funding earning assets | 0.1947% | 5,488 |
| Net interest margin | 3.7510% | 2,512 |
| Noninterest income to average assets | 1.3498% | 676 |
| Noninterest expense to average assets | 3.3636% | 1,540 |
| Loan and lease loss provision to assets | 0.0558% | 2,989 |
| Net operating income to assets | 0.8602% | 3,081 |
| Return on assets (ROA) | 0.8602% | 3,185 |
| Pretax return on assets | 1.3864% | 2,041 |
| Return on Equity (ROE) | 8.5795% | 2,758 |
| Retained earnings to average equity (ytd only) | -4.1426% | 5,982 |
| Net charge-offs to loans | 0.0477% | 2,751 |
| Credit loss provision to net charge-offs | 159.0909% | 1,472 |
| Earnings coverage of net charge-offs (x) | 41.1136% | 1,115 |
| Efficiency ratio | 69.9900% | 3,331 |
| Assets per employee ($millions) | 3.0868% | 5,490 |
| Cash dividends to net income (ytd only)* | 148.2854% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 3,849 |
| Loan loss allowance to noncurrent loans | 117.9903% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 2.0198% | 1,085 |
| Noncurrent loans to loans | 1.0081% | 2,631 |
| Net loans and leases to total assets | 72.5620% | 1,887 |
| Net loans and leases to deposits | 80.7371% | 2,691 |
| Net loans and leases to core deposits | 81.0241% | 3,278 |
| Total domestic deposits to total assets | 89.8744% | 713 |
| Equity capital to assets | 10.0368% | 4,000 |
| Core capital (leverage) ratio | 9.9459% | 3,688 |
| Tier 1 risk-based capital ratio | 14.5134% | 3,627 |
| Total risk-based capital ratio | 15.7838% | 3,545 |
| Memoranda: | ||
| Average total assets | $250,860,000 | 2,545 |
| Average earning assets | $231,138,330 | 2,531 |
| Average equity | $25,153,000 | 2,710 |
| Average total loans | $184,435,000 | 2,228 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0298% | 3,125 |
| Cost of funding earning assets | 0.2016% | 5,496 |
| Net interest margin | 3.8283% | 2,138 |
| Noninterest income to average assets | 1.2528% | 727 |
| Noninterest expense to average assets | 3.3620% | 1,571 |
| Loan and lease loss provision to assets | 0.1114% | 1,854 |
| Net operating income to assets | 0.8182% | 3,165 |
| Return on assets (ROA) | 0.8182% | 3,294 |
| Pretax return on assets | 1.3165% | 2,213 |
| Return on Equity (ROE) | 8.1646% | 2,875 |
| Retained earnings to average equity (ytd only) | -17.2504% | 6,246 |
| Net charge-offs to loans | -0.0519% | 5,538 |
| Credit loss provision to net charge-offs | -291.6667% | 4,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1894% | 3,458 |
| Assets per employee ($millions) | 3.1776% | 5,444 |
| Cash dividends to net income (ytd only)* | 311.2840% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 3,809 |
| Loan loss allowance to noncurrent loans | 173.7654% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 1.9261% | 1,255 |
| Noncurrent loans to loans | 0.7052% | 3,511 |
| Net loans and leases to total assets | 72.3133% | 1,757 |
| Net loans and leases to deposits | 80.4824% | 2,511 |
| Net loans and leases to core deposits | 80.7674% | 3,077 |
| Total domestic deposits to total assets | 89.8498% | 814 |
| Equity capital to assets | 9.8403% | 4,336 |
| Core capital (leverage) ratio | 9.7498% | 3,958 |
| Tier 1 risk-based capital ratio | 14.1706% | 3,901 |
| Total risk-based capital ratio | 15.4424% | 3,813 |
| Memoranda: | ||
| Average total assets | $251,275,500 | 2,549 |
| Average earning assets | $232,168,500 | 2,533 |
| Average equity | $25,182,000 | 2,728 |
| Average total loans | $184,847,500 | 2,230 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8838% | 4,189 |
| Cost of funding earning assets | 0.2629% | 5,188 |
| Net interest margin | 3.6208% | 3,331 |
| Noninterest income to average assets | 1.2501% | 779 |
| Noninterest expense to average assets | 3.5680% | 1,362 |
| Loan and lease loss provision to assets | 0.2111% | 1,182 |
| Net operating income to assets | 0.5516% | 4,591 |
| Return on assets (ROA) | 0.5530% | 4,679 |
| Pretax return on assets | 0.8108% | 4,216 |
| Return on Equity (ROE) | 5.4333% | 4,436 |
| Retained earnings to average equity (ytd only) | -0.4588% | 5,844 |
| Net charge-offs to loans | 0.0492% | 3,843 |
| Credit loss provision to net charge-offs | 604.6512% | 437 |
| Earnings coverage of net charge-offs (x) | 29.2093% | 1,364 |
| Efficiency ratio | 77.7699% | 2,238 |
| Assets per employee ($millions) | 3.0304% | 5,658 |
| Cash dividends to net income (ytd only)* | 108.4435% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 4,223 |
| Loan loss allowance to noncurrent loans | 212.1927% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 1.8567% | 1,396 |
| Noncurrent loans to loans | 0.5470% | 4,022 |
| Net loans and leases to total assets | 73.0583% | 1,745 |
| Net loans and leases to deposits | 81.5458% | 2,532 |
| Net loans and leases to core deposits | 81.9400% | 3,117 |
| Total domestic deposits to total assets | 89.5917% | 927 |
| Equity capital to assets | 10.2027% | 3,849 |
| Core capital (leverage) ratio | 9.8996% | 3,712 |
| Tier 1 risk-based capital ratio | 13.5756% | 4,367 |
| Total risk-based capital ratio | 14.7449% | 4,356 |
| Memoranda: | ||
| Average total assets | $246,303,000 | 2,558 |
| Average earning assets | $227,046,200 | 2,553 |
| Average equity | $25,067,800 | 2,652 |
| Average total loans | $174,669,600 | 2,284 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8013% | 4,539 |
| Cost of funding earning assets | 0.2722% | 5,185 |
| Net interest margin | 3.5291% | 3,719 |
| Noninterest income to average assets | 1.2326% | 799 |
| Noninterest expense to average assets | 3.5825% | 1,324 |
| Loan and lease loss provision to assets | 0.2286% | 981 |
| Net operating income to assets | 0.4989% | 4,879 |
| Return on assets (ROA) | 0.5001% | 4,939 |
| Pretax return on assets | 0.6824% | 4,756 |
| Return on Equity (ROE) | 4.9171% | 4,757 |
| Retained earnings to average equity (ytd only) | -2.9856% | 6,143 |
| Net charge-offs to loans | 0.0807% | 3,045 |
| Credit loss provision to net charge-offs | 403.8462% | 689 |
| Earnings coverage of net charge-offs (x) | 16.0676% | 2,007 |
| Efficiency ratio | 79.7553% | 1,954 |
| Assets per employee ($millions) | 2.8856% | 5,867 |
| Cash dividends to net income (ytd only)* | 160.7182% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1251% | 4,637 |
| Loan loss allowance to noncurrent loans | 145.2991% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 2.2299% | 1,231 |
| Noncurrent loans to loans | 0.7743% | 3,647 |
| Net loans and leases to total assets | 71.4121% | 1,948 |
| Net loans and leases to deposits | 79.6660% | 2,745 |
| Net loans and leases to core deposits | 80.0498% | 3,305 |
| Total domestic deposits to total assets | 89.6394% | 915 |
| Equity capital to assets | 10.0380% | 4,119 |
| Core capital (leverage) ratio | 10.0311% | 3,635 |
| Tier 1 risk-based capital ratio | 13.6614% | 4,439 |
| Total risk-based capital ratio | 14.8219% | 4,436 |
| Memoranda: | ||
| Average total assets | $244,998,500 | 2,582 |
| Average earning assets | $226,265,750 | 2,577 |
| Average equity | $24,919,250 | 2,677 |
| Average total loans | $171,858,250 | 2,323 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7929% | 4,553 |
| Cost of funding earning assets | 0.2804% | 5,175 |
| Net interest margin | 3.5125% | 3,733 |
| Noninterest income to average assets | 1.2017% | 811 |
| Noninterest expense to average assets | 3.6768% | 1,177 |
| Loan and lease loss provision to assets | 0.2634% | 796 |
| Net operating income to assets | 0.2997% | 5,566 |
| Return on assets (ROA) | 0.3013% | 5,630 |
| Pretax return on assets | 0.5021% | 5,271 |
| Return on Equity (ROE) | 2.9486% | 5,544 |
| Retained earnings to average equity (ytd only) | -8.9504% | 6,398 |
| Net charge-offs to loans | 0.1304% | 2,360 |
| Credit loss provision to net charge-offs | 290.9091% | 880 |
| Earnings coverage of net charge-offs (x) | 8.4273% | 2,498 |
| Efficiency ratio | 82.8142% | 1,651 |
| Assets per employee ($millions) | 2.8247% | 5,998 |
| Cash dividends to net income (ytd only)* | 403.5519% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 4,722 |
| Loan loss allowance to noncurrent loans | 302.1875% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 2.0033% | 1,599 |
| Noncurrent loans to loans | 0.3765% | 4,864 |
| Net loans and leases to total assets | 69.9895% | 2,088 |
| Net loans and leases to deposits | 78.1694% | 2,779 |
| Net loans and leases to core deposits | 78.6597% | 3,357 |
| Total domestic deposits to total assets | 89.5357% | 1,065 |
| Equity capital to assets | 10.2627% | 3,744 |
| Core capital (leverage) ratio | 9.8868% | 3,764 |
| Tier 1 risk-based capital ratio | 14.4084% | 3,986 |
| Total risk-based capital ratio | 15.6109% | 3,954 |
| Memoranda: | ||
| Average total assets | $242,982,330 | 2,610 |
| Average earning assets | $223,999,670 | 2,603 |
| Average equity | $24,825,670 | 2,680 |
| Average total loans | $168,705,000 | 2,347 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7590% | 4,641 |
| Cost of funding earning assets | 0.2846% | 5,223 |
| Net interest margin | 3.4743% | 3,808 |
| Noninterest income to average assets | 1.3059% | 659 |
| Noninterest expense to average assets | 3.5169% | 1,457 |
| Loan and lease loss provision to assets | 0.2782% | 737 |
| Net operating income to assets | 0.4240% | 5,026 |
| Return on assets (ROA) | 0.4271% | 5,081 |
| Pretax return on assets | 0.7119% | 4,452 |
| Return on Equity (ROE) | 4.1897% | 4,932 |
| Retained earnings to average equity (ytd only) | -19.5200% | 6,524 |
| Net charge-offs to loans | 0.1618% | 1,746 |
| Credit loss provision to net charge-offs | 250.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 8.8529% | 1,986 |
| Efficiency ratio | 78.1170% | 2,460 |
| Assets per employee ($millions) | 2.8845% | 5,994 |
| Cash dividends to net income (ytd only)* | 565.9004% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0930% | 5,149 |
| Loan loss allowance to noncurrent loans | 229.9748% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 2.1127% | 1,584 |
| Noncurrent loans to loans | 0.4753% | 4,738 |
| Net loans and leases to total assets | 67.3906% | 2,322 |
| Net loans and leases to deposits | 75.1692% | 2,923 |
| Net loans and leases to core deposits | 75.5435% | 3,459 |
| Total domestic deposits to total assets | 89.6519% | 1,278 |
| Equity capital to assets | 9.9684% | 3,880 |
| Core capital (leverage) ratio | 9.8854% | 3,737 |
| Tier 1 risk-based capital ratio | 14.3253% | 4,111 |
| Total risk-based capital ratio | 15.4609% | 4,133 |
| Memoranda: | ||
| Average total assets | $244,422,000 | 2,603 |
| Average earning assets | $224,849,000 | 2,609 |
| Average equity | $24,918,000 | 2,652 |
| Average total loans | $168,067,000 | 2,366 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7472% | 4,987 |
| Cost of funding earning assets | 0.3520% | 5,111 |
| Net interest margin | 3.3952% | 4,289 |
| Noninterest income to average assets | 1.5043% | 623 |
| Noninterest expense to average assets | 3.5450% | 1,555 |
| Loan and lease loss provision to assets | 0.2601% | 1,373 |
| Net operating income to assets | 0.4935% | 4,758 |
| Return on assets (ROA) | 0.4945% | 4,897 |
| Pretax return on assets | 0.8204% | 4,073 |
| Return on Equity (ROE) | 4.7941% | 4,721 |
| Retained earnings to average equity (ytd only) | -0.1300% | 5,898 |
| Net charge-offs to loans | 0.4057% | 1,660 |
| Credit loss provision to net charge-offs | 97.8593% | 2,538 |
| Earnings coverage of net charge-offs (x) | 4.0596% | 3,684 |
| Efficiency ratio | 76.6675% | 2,682 |
| Assets per employee ($millions) | 2.9357% | 5,928 |
| Cash dividends to net income (ytd only)* | 102.7116% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 5,466 |
| Loan loss allowance to noncurrent loans | 128.3693% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 2.3323% | 1,500 |
| Noncurrent loans to loans | 0.7943% | 3,993 |
| Net loans and leases to total assets | 68.6830% | 2,226 |
| Net loans and leases to deposits | 76.9273% | 2,865 |
| Net loans and leases to core deposits | 77.3143% | 3,450 |
| Total domestic deposits to total assets | 89.2830% | 1,438 |
| Equity capital to assets | 10.4223% | 3,259 |
| Core capital (leverage) ratio | 10.3588% | 3,076 |
| Tier 1 risk-based capital ratio | 14.9047% | 3,724 |
| Total risk-based capital ratio | 15.9559% | 3,780 |
| Memoranda: | ||
| Average total assets | $246,095,400 | 2,568 |
| Average earning assets | $226,112,800 | 2,556 |
| Average equity | $25,385,200 | 2,597 |
| Average total loans | $161,207,200 | 2,409 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7146% | 5,122 |
| Cost of funding earning assets | 0.3628% | 5,162 |
| Net interest margin | 3.3518% | 4,456 |
| Noninterest income to average assets | 1.5565% | 607 |
| Noninterest expense to average assets | 3.4075% | 1,808 |
| Loan and lease loss provision to assets | 0.2243% | 1,617 |
| Net operating income to assets | 0.5974% | 4,357 |
| Return on assets (ROA) | 0.5988% | 4,477 |
| Pretax return on assets | 1.0123% | 3,463 |
| Return on Equity (ROE) | 5.8201% | 4,276 |
| Retained earnings to average equity (ytd only) | -0.7459% | 6,091 |
| Net charge-offs to loans | 0.4346% | 1,476 |
| Credit loss provision to net charge-offs | 79.9615% | 2,856 |
| Earnings coverage of net charge-offs (x) | 4.4008% | 3,451 |
| Efficiency ratio | 73.4078% | 3,156 |
| Assets per employee ($millions) | 2.9333% | 5,953 |
| Cash dividends to net income (ytd only)* | 112.8159% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 5,605 |
| Loan loss allowance to noncurrent loans | 147.8733% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 2.4607% | 1,572 |
| Noncurrent loans to loans | 0.6953% | 4,464 |
| Net loans and leases to total assets | 64.6040% | 2,901 |
| Net loans and leases to deposits | 72.3335% | 3,470 |
| Net loans and leases to core deposits | 72.7814% | 3,997 |
| Total domestic deposits to total assets | 89.3140% | 1,399 |
| Equity capital to assets | 10.4108% | 3,378 |
| Core capital (leverage) ratio | 10.2665% | 3,290 |
| Tier 1 risk-based capital ratio | 15.5846% | 3,418 |
| Total risk-based capital ratio | 16.6137% | 3,488 |
| Memoranda: | ||
| Average total assets | $246,704,250 | 2,575 |
| Average earning assets | $227,097,250 | 2,553 |
| Average equity | $25,382,750 | 2,626 |
| Average total loans | $159,239,750 | 2,448 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7070% | 5,122 |
| Cost of funding earning assets | 0.3751% | 5,186 |
| Net interest margin | 3.3319% | 4,439 |
| Noninterest income to average assets | 1.6046% | 615 |
| Noninterest expense to average assets | 3.4780% | 1,658 |
| Loan and lease loss provision to assets | 0.3027% | 1,188 |
| Net operating income to assets | 0.5125% | 4,755 |
| Return on assets (ROA) | 0.5125% | 4,917 |
| Pretax return on assets | 0.8855% | 3,966 |
| Return on Equity (ROE) | 5.0010% | 4,734 |
| Retained earnings to average equity (ytd only) | -4.8435% | 6,451 |
| Net charge-offs to loans | 0.3916% | 1,650 |
| Credit loss provision to net charge-offs | 120.1923% | 1,853 |
| Earnings coverage of net charge-offs (x) | 4.7179% | 3,055 |
| Efficiency ratio | 74.5373% | 3,022 |
| Assets per employee ($millions) | 2.9191% | 5,989 |
| Cash dividends to net income (ytd only)* | 196.8504% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 5,206 |
| Loan loss allowance to noncurrent loans | 67.3019% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 2.9618% | 1,378 |
| Noncurrent loans to loans | 1.7190% | 2,737 |
| Net loans and leases to total assets | 62.0125% | 3,282 |
| Net loans and leases to deposits | 69.3834% | 3,803 |
| Net loans and leases to core deposits | 69.8045% | 4,294 |
| Total domestic deposits to total assets | 89.3767% | 1,397 |
| Equity capital to assets | 10.0921% | 3,802 |
| Core capital (leverage) ratio | 9.8489% | 3,723 |
| Tier 1 risk-based capital ratio | 15.3296% | 3,578 |
| Total risk-based capital ratio | 16.4591% | 3,608 |
| Memoranda: | ||
| Average total assets | $247,783,000 | 2,573 |
| Average earning assets | $227,674,670 | 2,559 |
| Average equity | $25,394,670 | 2,642 |
| Average total loans | $159,345,000 | 2,451 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7679% | 4,932 |
| Cost of funding earning assets | 0.3877% | 5,219 |
| Net interest margin | 3.3802% | 4,192 |
| Noninterest income to average assets | 1.7350% | 530 |
| Noninterest expense to average assets | 3.5782% | 1,459 |
| Loan and lease loss provision to assets | 0.6058% | 417 |
| Net operating income to assets | 0.3893% | 5,169 |
| Return on assets (ROA) | 0.3893% | 5,315 |
| Pretax return on assets | 0.6494% | 4,781 |
| Return on Equity (ROE) | 3.7698% | 5,210 |
| Retained earnings to average equity (ytd only) | -15.7832% | 6,766 |
| Net charge-offs to loans | 0.5832% | 1,045 |
| Credit loss provision to net charge-offs | 159.5745% | 1,301 |
| Earnings coverage of net charge-offs (x) | 3.3064% | 2,794 |
| Efficiency ratio | 74.0307% | 3,258 |
| Assets per employee ($millions) | 2.9531% | 6,066 |
| Cash dividends to net income (ytd only)* | 518.6722% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 5,159 |
| Loan loss allowance to noncurrent loans | 75.7258% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 3.1213% | 1,414 |
| Noncurrent loans to loans | 1.5916% | 3,151 |
| Net loans and leases to total assets | 61.3258% | 3,203 |
| Net loans and leases to deposits | 68.3615% | 3,732 |
| Net loans and leases to core deposits | 68.7695% | 4,214 |
| Total domestic deposits to total assets | 89.7082% | 1,226 |
| Equity capital to assets | 9.9735% | 4,182 |
| Core capital (leverage) ratio | 9.8317% | 3,622 |
| Tier 1 risk-based capital ratio | 15.0849% | 3,781 |
| Total risk-based capital ratio | 16.2538% | 3,792 |
| Memoranda: | ||
| Average total assets | $247,612,500 | 2,606 |
| Average earning assets | $226,971,000 | 2,597 |
| Average equity | $25,571,500 | 2,653 |
| Average total loans | $161,183,000 | 2,430 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3610% | 3,980 |
| Cost of funding earning assets | 0.5629% | 4,706 |
| Net interest margin | 3.7981% | 3,234 |
| Noninterest income to average assets | 1.9360% | 457 |
| Noninterest expense to average assets | 3.8153% | 1,228 |
| Loan and lease loss provision to assets | 0.3428% | 1,956 |
| Net operating income to assets | 0.6701% | 3,882 |
| Return on assets (ROA) | 0.6701% | 4,152 |
| Pretax return on assets | 1.1153% | 3,101 |
| Return on Equity (ROE) | 6.3392% | 3,994 |
| Retained earnings to average equity (ytd only) | 1.1273% | 5,313 |
| Net charge-offs to loans | 1.1248% | 927 |
| Credit loss provision to net charge-offs | 44.1640% | 4,835 |
| Earnings coverage of net charge-offs (x) | 1.8785% | 4,486 |
| Efficiency ratio | 72.3495% | 3,352 |
| Assets per employee ($millions) | 2.8731% | 6,206 |
| Cash dividends to net income (ytd only)* | 82.2168% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 5,789 |
| Loan loss allowance to noncurrent loans | 43.1909% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 3.1223% | 1,506 |
| Noncurrent loans to loans | 2.4161% | 2,206 |
| Net loans and leases to total assets | 67.4882% | 2,283 |
| Net loans and leases to deposits | 75.7820% | 2,834 |
| Net loans and leases to core deposits | 76.2377% | 3,495 |
| Total domestic deposits to total assets | 89.0557% | 1,524 |
| Equity capital to assets | 10.6908% | 3,291 |
| Core capital (leverage) ratio | 10.3627% | 2,933 |
| Tier 1 risk-based capital ratio | 15.2198% | 3,602 |
| Total risk-based capital ratio | 16.2609% | 3,667 |
| Memoranda: | ||
| Average total assets | $245,039,800 | 2,574 |
| Average earning assets | $215,318,800 | 2,675 |
| Average equity | $25,902,400 | 2,579 |
| Average total loans | $169,098,600 | 2,320 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4784% | 3,725 |
| Cost of funding earning assets | 0.5979% | 4,675 |
| Net interest margin | 3.8804% | 2,981 |
| Noninterest income to average assets | 1.8968% | 450 |
| Noninterest expense to average assets | 3.5332% | 1,685 |
| Loan and lease loss provision to assets | 0.3561% | 1,831 |
| Net operating income to assets | 0.8291% | 3,310 |
| Return on assets (ROA) | 0.8291% | 3,551 |
| Pretax return on assets | 1.3841% | 2,284 |
| Return on Equity (ROE) | 7.8654% | 3,342 |
| Retained earnings to average equity (ytd only) | 0.9026% | 5,808 |
| Net charge-offs to loans | 1.1916% | 824 |
| Credit loss provision to net charge-offs | 43.1773% | 4,548 |
| Earnings coverage of net charge-offs (x) | 2.1101% | 4,213 |
| Efficiency ratio | 67.0000% | 4,247 |
| Assets per employee ($millions) | 2.9228% | 6,178 |
| Cash dividends to net income (ytd only)* | 88.5249% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 5,385 |
| Loan loss allowance to noncurrent loans | 41.4989% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 3.1691% | 1,626 |
| Noncurrent loans to loans | 2.8391% | 1,979 |
| Net loans and leases to total assets | 67.0052% | 2,456 |
| Net loans and leases to deposits | 75.5670% | 3,046 |
| Net loans and leases to core deposits | 76.0237% | 3,724 |
| Total domestic deposits to total assets | 88.6699% | 1,612 |
| Equity capital to assets | 10.7225% | 3,584 |
| Core capital (leverage) ratio | 10.3569% | 3,093 |
| Tier 1 risk-based capital ratio | 15.4439% | 3,571 |
| Total risk-based capital ratio | 16.6231% | 3,568 |
| Memoranda: | ||
| Average total assets | $245,247,250 | 2,599 |
| Average earning assets | $213,406,500 | 2,718 |
| Average equity | $25,851,000 | 2,606 |
| Average total loans | $169,735,500 | 2,343 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5711% | 3,475 |
| Cost of funding earning assets | 0.6373% | 4,552 |
| Net interest margin | 3.9338% | 2,771 |
| Noninterest income to average assets | 1.7527% | 500 |
| Noninterest expense to average assets | 3.5778% | 1,627 |
| Loan and lease loss provision to assets | 0.2844% | 2,305 |
| Net operating income to assets | 0.7898% | 3,433 |
| Return on assets (ROA) | 0.7898% | 3,689 |
| Pretax return on assets | 1.3115% | 2,515 |
| Return on Equity (ROE) | 7.5357% | 3,485 |
| Retained earnings to average equity (ytd only) | -2.9305% | 6,454 |
| Net charge-offs to loans | 0.0502% | 4,703 |
| Credit loss provision to net charge-offs | 813.9535% | 394 |
| Earnings coverage of net charge-offs (x) | 45.6744% | 789 |
| Efficiency ratio | 69.1534% | 3,904 |
| Assets per employee ($millions) | 3.0042% | 6,062 |
| Cash dividends to net income (ytd only)* | 138.8889% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8784% | 2,619 |
| Loan loss allowance to noncurrent loans | 66.7024% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 3.2447% | 1,677 |
| Noncurrent loans to loans | 2.8162% | 2,125 |
| Net loans and leases to total assets | 64.3138% | 2,966 |
| Net loans and leases to deposits | 72.2054% | 3,584 |
| Net loans and leases to core deposits | 72.7028% | 4,212 |
| Total domestic deposits to total assets | 89.0707% | 1,463 |
| Equity capital to assets | 10.0733% | 4,228 |
| Core capital (leverage) ratio | 10.0038% | 3,414 |
| Tier 1 risk-based capital ratio | 14.6096% | 4,029 |
| Total risk-based capital ratio | 15.8693% | 3,984 |
| Memoranda: | ||
| Average total assets | $246,132,000 | 2,590 |
| Average earning assets | $214,040,000 | 2,715 |
| Average equity | $25,797,330 | 2,596 |
| Average total loans | $171,484,670 | 2,333 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6586% | 3,220 |
| Cost of funding earning assets | 0.6549% | 4,679 |
| Net interest margin | 4.0037% | 2,489 |
| Noninterest income to average assets | 1.7101% | 512 |
| Noninterest expense to average assets | 3.5569% | 1,652 |
| Loan and lease loss provision to assets | 0.3292% | 1,904 |
| Net operating income to assets | 0.8114% | 3,327 |
| Return on assets (ROA) | 0.8114% | 3,563 |
| Pretax return on assets | 1.3760% | 2,262 |
| Return on Equity (ROE) | 7.5887% | 3,456 |
| Retained earnings to average equity (ytd only) | 7.5887% | 2,131 |
| Net charge-offs to loans | -0.0160% | 6,106 |
| Credit loss provision to net charge-offs | -2,857.1429% | 6,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5946% | 4,252 |
| Assets per employee ($millions) | 3.0070% | 6,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7271% | 3,243 |
| Loan loss allowance to noncurrent loans | 117.2777% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 2.6723% | 2,210 |
| Noncurrent loans to loans | 1.4726% | 3,913 |
| Net loans and leases to total assets | 69.3930% | 1,863 |
| Net loans and leases to deposits | 78.0223% | 2,501 |
| Net loans and leases to core deposits | 78.5799% | 3,250 |
| Total domestic deposits to total assets | 88.9399% | 1,736 |
| Equity capital to assets | 10.6310% | 3,345 |
| Core capital (leverage) ratio | 10.4337% | 2,831 |
| Tier 1 risk-based capital ratio | 14.0968% | 4,401 |
| Total risk-based capital ratio | 15.2911% | 4,407 |
| Memoranda: | ||
| Average total assets | $243,023,000 | 2,634 |
| Average earning assets | $215,600,500 | 2,697 |
| Average equity | $25,986,000 | 2,573 |
| Average total loans | $174,525,500 | 2,314 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0093% | 2,841 |
| Cost of funding earning assets | 0.8642% | 4,362 |
| Net interest margin | 4.1451% | 2,246 |
| Noninterest income to average assets | 0.8718% | 1,767 |
| Noninterest expense to average assets | 3.4069% | 2,219 |
| Loan and lease loss provision to assets | 0.5862% | 1,765 |
| Net operating income to assets | 0.4358% | 4,712 |
| Return on assets (ROA) | 0.6571% | 3,896 |
| Pretax return on assets | 1.0216% | 3,159 |
| Return on Equity (ROE) | 6.2417% | 3,755 |
| Retained earnings to average equity (ytd only) | 2.8310% | 4,225 |
| Net charge-offs to loans | 0.8891% | 1,955 |
| Credit loss provision to net charge-offs | 88.5822% | 4,078 |
| Earnings coverage of net charge-offs (x) | 1.9072% | 4,344 |
| Efficiency ratio | 72.9706% | 3,395 |
| Assets per employee ($millions) | 2.9204% | 6,251 |
| Cash dividends to net income (ytd only)* | 54.6431% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 6,375 |
| Loan loss allowance to noncurrent loans | 79.2239% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 2.7615% | 2,200 |
| Noncurrent loans to loans | 1.2078% | 4,359 |
| Net loans and leases to total assets | 72.3529% | 1,583 |
| Net loans and leases to deposits | 81.3075% | 2,305 |
| Net loans and leases to core deposits | 82.1019% | 3,160 |
| Total domestic deposits to total assets | 88.9867% | 1,544 |
| Equity capital to assets | 10.7564% | 3,236 |
| Core capital (leverage) ratio | 10.5267% | 2,692 |
| Tier 1 risk-based capital ratio | 14.4028% | 4,041 |
| Total risk-based capital ratio | 15.4075% | 4,165 |
| Memoranda: | ||
| Average total assets | $240,890,400 | 2,623 |
| Average earning assets | $220,670,800 | 2,602 |
| Average equity | $25,361,800 | 2,540 |
| Average total loans | $179,273,000 | 2,260 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0082% | 3,046 |
| Cost of funding earning assets | 0.9058% | 4,355 |
| Net interest margin | 4.1024% | 2,463 |
| Noninterest income to average assets | 0.8611% | 1,796 |
| Noninterest expense to average assets | 3.3509% | 2,348 |
| Loan and lease loss provision to assets | 0.4880% | 2,036 |
| Net operating income to assets | 0.4780% | 4,644 |
| Return on assets (ROA) | 0.6499% | 4,044 |
| Pretax return on assets | 1.0506% | 3,209 |
| Return on Equity (ROE) | 6.2067% | 3,922 |
| Retained earnings to average equity (ytd only) | 3.4094% | 4,310 |
| Net charge-offs to loans | 0.6742% | 2,225 |
| Credit loss provision to net charge-offs | 96.8202% | 3,538 |
| Earnings coverage of net charge-offs (x) | 2.5197% | 3,872 |
| Efficiency ratio | 72.5152% | 3,454 |
| Assets per employee ($millions) | 3.0169% | 6,072 |
| Cash dividends to net income (ytd only)* | 45.0681% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0396% | 6,087 |
| Loan loss allowance to noncurrent loans | 40.9274% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 3.9593% | 1,547 |
| Noncurrent loans to loans | 2.5402% | 2,731 |
| Net loans and leases to total assets | 72.0557% | 1,689 |
| Net loans and leases to deposits | 81.0244% | 2,519 |
| Net loans and leases to core deposits | 81.5216% | 3,405 |
| Total domestic deposits to total assets | 88.9308% | 1,462 |
| Equity capital to assets | 10.6424% | 3,524 |
| Core capital (leverage) ratio | 10.4134% | 2,980 |
| Tier 1 risk-based capital ratio | 14.2141% | 4,187 |
| Total risk-based capital ratio | 15.2988% | 4,293 |
| Memoranda: | ||
| Average total assets | $241,244,250 | 2,634 |
| Average earning assets | $221,100,000 | 2,616 |
| Average equity | $25,262,500 | 2,544 |
| Average total loans | $180,356,000 | 2,261 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0676% | 2,847 |
| Cost of funding earning assets | 0.9596% | 4,253 |
| Net interest margin | 4.1079% | 2,379 |
| Noninterest income to average assets | 0.8341% | 1,870 |
| Noninterest expense to average assets | 3.4377% | 2,161 |
| Loan and lease loss provision to assets | 0.4204% | 2,332 |
| Net operating income to assets | 0.4500% | 4,720 |
| Return on assets (ROA) | 0.6045% | 4,182 |
| Pretax return on assets | 0.9834% | 3,295 |
| Return on Equity (ROE) | 5.8038% | 4,062 |
| Retained earnings to average equity (ytd only) | 3.1447% | 4,273 |
| Net charge-offs to loans | 0.6036% | 2,317 |
| Credit loss provision to net charge-offs | 92.3497% | 3,393 |
| Earnings coverage of net charge-offs (x) | 2.5537% | 3,551 |
| Efficiency ratio | 74.7296% | 3,238 |
| Assets per employee ($millions) | 2.9242% | 6,247 |
| Cash dividends to net income (ytd only)* | 45.8162% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 6,223 |
| Loan loss allowance to noncurrent loans | 62.8116% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 3.0444% | 2,210 |
| Noncurrent loans to loans | 1.6371% | 3,954 |
| Net loans and leases to total assets | 71.9378% | 1,797 |
| Net loans and leases to deposits | 80.6651% | 2,672 |
| Net loans and leases to core deposits | 81.5459% | 3,573 |
| Total domestic deposits to total assets | 89.1808% | 1,429 |
| Equity capital to assets | 10.4406% | 3,589 |
| Core capital (leverage) ratio | 10.3469% | 2,886 |
| Tier 1 risk-based capital ratio | 14.2082% | 4,010 |
| Total risk-based capital ratio | 15.2866% | 4,115 |
| Memoranda: | ||
| Average total assets | $241,207,330 | 2,647 |
| Average earning assets | $221,132,330 | 2,636 |
| Average equity | $25,121,330 | 2,545 |
| Average total loans | $181,895,670 | 2,259 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2069% | 2,202 |
| Cost of funding earning assets | 1.0286% | 3,997 |
| Net interest margin | 4.1782% | 1,969 |
| Noninterest income to average assets | 0.8218% | 1,949 |
| Noninterest expense to average assets | 3.4601% | 2,118 |
| Loan and lease loss provision to assets | 0.3593% | 2,400 |
| Net operating income to assets | 0.4973% | 4,498 |
| Return on assets (ROA) | 0.6687% | 3,736 |
| Pretax return on assets | 1.0879% | 2,801 |
| Return on Equity (ROE) | 6.4289% | 3,660 |
| Retained earnings to average equity (ytd only) | 6.4289% | 2,405 |
| Net charge-offs to loans | 1.0464% | 1,306 |
| Credit loss provision to net charge-offs | 44.7205% | 3,856 |
| Earnings coverage of net charge-offs (x) | 1.4679% | 3,608 |
| Efficiency ratio | 74.5787% | 3,409 |
| Assets per employee ($millions) | 3.1909% | 5,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8850% | 6,735 |
| Loan loss allowance to noncurrent loans | 46.8179% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 3.4868% | 1,956 |
| Noncurrent loans to loans | 1.8904% | 3,709 |
| Net loans and leases to total assets | 73.3782% | 1,444 |
| Net loans and leases to deposits | 82.1539% | 2,335 |
| Net loans and leases to core deposits | 83.2461% | 3,271 |
| Total domestic deposits to total assets | 89.3181% | 1,582 |
| Equity capital to assets | 10.3974% | 3,281 |
| Core capital (leverage) ratio | 10.3079% | 2,799 |
| Tier 1 risk-based capital ratio | 13.5441% | 4,398 |
| Total risk-based capital ratio | 14.4357% | 4,651 |
| Memoranda: | ||
| Average total assets | $240,457,500 | 2,662 |
| Average earning assets | $219,710,000 | 2,664 |
| Average equity | $25,012,000 | 2,543 |
| Average total loans | $184,637,500 | 2,249 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5274% | 2,173 |
| Cost of funding earning assets | 1.5678% | 2,258 |
| Net interest margin | 3.9596% | 3,214 |
| Noninterest income to average assets | 0.9887% | 1,543 |
| Noninterest expense to average assets | 3.4286% | 2,356 |
| Loan and lease loss provision to assets | 0.3896% | 3,777 |
| Net operating income to assets | 0.5086% | 4,055 |
| Return on assets (ROA) | 0.7748% | 3,030 |
| Pretax return on assets | 1.2114% | 2,185 |
| Return on Equity (ROE) | 7.9030% | 2,738 |
| Retained earnings to average equity (ytd only) | 1.9219% | 4,515 |
| Net charge-offs to loans | 0.2375% | 4,861 |
| Credit loss provision to net charge-offs | 212.1475% | 1,442 |
| Earnings coverage of net charge-offs (x) | 6.4534% | 2,356 |
| Efficiency ratio | 74.3136% | 3,331 |
| Assets per employee ($millions) | 3.0961% | 5,890 |
| Cash dividends to net income (ytd only)* | 75.6812% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9782% | 6,465 |
| Loan loss allowance to noncurrent loans | 77.5920% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 3.3636% | 2,084 |
| Noncurrent loans to loans | 1.2607% | 4,606 |
| Net loans and leases to total assets | 78.8073% | 834 |
| Net loans and leases to deposits | 88.1217% | 1,768 |
| Net loans and leases to core deposits | 89.7281% | 2,806 |
| Total domestic deposits to total assets | 89.4301% | 1,421 |
| Equity capital to assets | 10.4063% | 3,265 |
| Core capital (leverage) ratio | 10.3149% | 2,755 |
| Tier 1 risk-based capital ratio | 12.8522% | 4,726 |
| Total risk-based capital ratio | 13.8524% | 4,924 |
| Memoranda: | ||
| Average total assets | $251,036,400 | 2,539 |
| Average earning assets | $229,818,600 | 2,526 |
| Average equity | $24,611,000 | 2,593 |
| Average total loans | $194,102,800 | 2,209 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4869% | 2,483 |
| Cost of funding earning assets | 1.6874% | 1,936 |
| Net interest margin | 3.7995% | 3,975 |
| Noninterest income to average assets | 0.9226% | 1,718 |
| Noninterest expense to average assets | 3.1796% | 3,001 |
| Loan and lease loss provision to assets | 0.2649% | 4,461 |
| Net operating income to assets | 0.5957% | 3,892 |
| Return on assets (ROA) | 0.7931% | 3,193 |
| Pretax return on assets | 1.2683% | 2,266 |
| Return on Equity (ROE) | 8.2078% | 2,821 |
| Retained earnings to average equity (ytd only) | 2.7631% | 4,499 |
| Net charge-offs to loans | 0.2473% | 4,456 |
| Credit loss provision to net charge-offs | 139.5028% | 2,855 |
| Earnings coverage of net charge-offs (x) | 6.4503% | 2,524 |
| Efficiency ratio | 72.1924% | 3,659 |
| Assets per employee ($millions) | 2.7542% | 6,679 |
| Cash dividends to net income (ytd only)* | 66.3360% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7658% | 7,069 |
| Loan loss allowance to noncurrent loans | 47.5305% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 3.6542% | 1,949 |
| Noncurrent loans to loans | 1.6111% | 4,228 |
| Net loans and leases to total assets | 80.1495% | 725 |
| Net loans and leases to deposits | 91.2972% | 1,538 |
| Net loans and leases to core deposits | 93.2563% | 2,625 |
| Total domestic deposits to total assets | 87.7896% | 2,100 |
| Equity capital to assets | 10.4179% | 3,618 |
| Core capital (leverage) ratio | 10.3247% | 2,884 |
| Tier 1 risk-based capital ratio | 13.0904% | 4,507 |
| Total risk-based capital ratio | 13.8761% | 4,854 |
| Memoranda: | ||
| Average total assets | $254,194,750 | 2,544 |
| Average earning assets | $232,935,000 | 2,532 |
| Average equity | $24,561,500 | 2,642 |
| Average total loans | $195,194,750 | 2,235 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4202% | 2,892 |
| Cost of funding earning assets | 1.7557% | 1,839 |
| Net interest margin | 3.6644% | 4,523 |
| Noninterest income to average assets | 0.9735% | 1,451 |
| Noninterest expense to average assets | 3.1314% | 3,181 |
| Loan and lease loss provision to assets | 0.2934% | 4,036 |
| Net operating income to assets | 0.5628% | 4,025 |
| Return on assets (ROA) | 0.6848% | 3,614 |
| Pretax return on assets | 1.1056% | 2,770 |
| Return on Equity (ROE) | 7.2623% | 3,192 |
| Retained earnings to average equity (ytd only) | 2.1124% | 4,802 |
| Net charge-offs to loans | 0.2370% | 4,182 |
| Credit loss provision to net charge-offs | 163.7931% | 2,408 |
| Earnings coverage of net charge-offs (x) | 6.7457% | 2,408 |
| Efficiency ratio | 72.1580% | 3,792 |
| Assets per employee ($millions) | 3.0087% | 6,126 |
| Cash dividends to net income (ytd only)* | 70.9132% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7661% | 7,102 |
| Loan loss allowance to noncurrent loans | 31.2526% | 6,280 |
| Noncurrent assets plus other real estate owned to assets | 4.1269% | 1,647 |
| Noncurrent loans to loans | 2.4514% | 3,196 |
| Net loans and leases to total assets | 77.1277% | 1,271 |
| Net loans and leases to deposits | 89.9638% | 1,864 |
| Net loans and leases to core deposits | 92.3018% | 2,942 |
| Total domestic deposits to total assets | 85.7320% | 3,244 |
| Equity capital to assets | 9.8500% | 4,204 |
| Core capital (leverage) ratio | 9.7956% | 3,412 |
| Tier 1 risk-based capital ratio | 12.7331% | 4,661 |
| Total risk-based capital ratio | 13.5079% | 5,046 |
| Memoranda: | ||
| Average total assets | $259,054,330 | 2,518 |
| Average earning assets | $237,963,000 | 2,503 |
| Average equity | $24,427,670 | 2,648 |
| Average total loans | $195,748,670 | 2,257 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3248% | 3,422 |
| Cost of funding earning assets | 1.8278% | 1,759 |
| Net interest margin | 3.4970% | 5,171 |
| Noninterest income to average assets | 0.8782% | 1,706 |
| Noninterest expense to average assets | 3.0487% | 3,486 |
| Loan and lease loss provision to assets | 0.1896% | 4,600 |
| Net operating income to assets | 0.5347% | 4,212 |
| Return on assets (ROA) | 0.5900% | 4,083 |
| Pretax return on assets | 0.9389% | 3,317 |
| Return on Equity (ROE) | 6.3921% | 3,678 |
| Retained earnings to average equity (ytd only) | 0.8380% | 5,481 |
| Net charge-offs to loans | 0.0183% | 5,327 |
| Credit loss provision to net charge-offs | 1,388.8889% | 357 |
| Earnings coverage of net charge-offs (x) | 76.3333% | 404 |
| Efficiency ratio | 74.5273% | 3,484 |
| Assets per employee ($millions) | 3.1215% | 5,947 |
| Cash dividends to net income (ytd only)* | 86.8895% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7482% | 7,246 |
| Loan loss allowance to noncurrent loans | 34.5852% | 6,080 |
| Noncurrent assets plus other real estate owned to assets | 3.8481% | 1,799 |
| Noncurrent loans to loans | 2.1635% | 3,577 |
| Net loans and leases to total assets | 73.6076% | 2,056 |
| Net loans and leases to deposits | 90.6449% | 1,810 |
| Net loans and leases to core deposits | 92.7453% | 3,009 |
| Total domestic deposits to total assets | 81.2043% | 5,376 |
| Equity capital to assets | 9.2992% | 4,832 |
| Core capital (leverage) ratio | 9.2489% | 4,141 |
| Tier 1 risk-based capital ratio | 12.3929% | 4,836 |
| Total risk-based capital ratio | 13.1377% | 5,262 |
| Memoranda: | ||
| Average total assets | $263,718,500 | 2,530 |
| Average earning assets | $242,262,500 | 2,515 |
| Average equity | $24,342,500 | 2,689 |
| Average total loans | $196,575,500 | 2,310 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8157% | 2,592 |
| Cost of funding earning assets | 2.2865% | 1,707 |
| Net interest margin | 3.5292% | 4,822 |
| Noninterest income to average assets | 1.1509% | 1,162 |
| Noninterest expense to average assets | 3.0482% | 3,952 |
| Loan and lease loss provision to assets | 0.3768% | 4,524 |
| Net operating income to assets | 0.6058% | 3,306 |
| Return on assets (ROA) | 0.8610% | 2,376 |
| Pretax return on assets | 1.3605% | 1,530 |
| Return on Equity (ROE) | 9.3005% | 1,923 |
| Retained earnings to average equity (ytd only) | 2.0894% | 3,641 |
| Net charge-offs to loans | 0.3522% | 4,470 |
| Credit loss provision to net charge-offs | 132.9715% | 3,757 |
| Earnings coverage of net charge-offs (x) | 4.7232% | 2,839 |
| Efficiency ratio | 69.4863% | 4,733 |
| Assets per employee ($millions) | 3.1575% | 5,834 |
| Cash dividends to net income (ytd only)* | 77.5346% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6739% | 7,425 |
| Loan loss allowance to noncurrent loans | 28.9576% | 6,550 |
| Noncurrent assets plus other real estate owned to assets | 3.6519% | 1,821 |
| Noncurrent loans to loans | 2.3272% | 3,261 |
| Net loans and leases to total assets | 74.4082% | 2,164 |
| Net loans and leases to deposits | 93.3668% | 1,681 |
| Net loans and leases to core deposits | 110.3806% | 2,853 |
| Total domestic deposits to total assets | 79.6945% | 5,777 |
| Equity capital to assets | 9.1625% | 4,897 |
| Core capital (leverage) ratio | 9.1205% | 4,241 |
| Tier 1 risk-based capital ratio | 12.0450% | 4,908 |
| Total risk-based capital ratio | 12.7138% | 5,397 |
| Memoranda: | ||
| Average total assets | $260,052,400 | 2,515 |
| Average earning assets | $238,439,200 | 2,516 |
| Average equity | $24,074,000 | 2,718 |
| Average total loans | $209,268,600 | 2,208 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9452% | 2,250 |
| Cost of funding earning assets | 2.3776% | 1,709 |
| Net interest margin | 3.5676% | 4,604 |
| Noninterest income to average assets | 1.1439% | 1,200 |
| Noninterest expense to average assets | 2.9942% | 4,066 |
| Loan and lease loss provision to assets | 0.4303% | 3,751 |
| Net operating income to assets | 0.6189% | 3,536 |
| Return on assets (ROA) | 0.9213% | 2,413 |
| Pretax return on assets | 1.4639% | 1,507 |
| Return on Equity (ROE) | 9.9261% | 1,941 |
| Retained earnings to average equity (ytd only) | 2.2761% | 4,056 |
| Net charge-offs to loans | 0.3549% | 3,870 |
| Credit loss provision to net charge-offs | 148.0496% | 3,266 |
| Earnings coverage of net charge-offs (x) | 4.8918% | 2,981 |
| Efficiency ratio | 67.8063% | 5,019 |
| Assets per employee ($millions) | 3.0667% | 5,997 |
| Cash dividends to net income (ytd only)* | 77.0695% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6758% | 7,426 |
| Loan loss allowance to noncurrent loans | 21.9457% | 6,986 |
| Noncurrent assets plus other real estate owned to assets | 4.3498% | 1,417 |
| Noncurrent loans to loans | 3.0793% | 2,456 |
| Net loans and leases to total assets | 77.9974% | 1,573 |
| Net loans and leases to deposits | 99.8663% | 1,115 |
| Net loans and leases to core deposits | 117.4996% | 2,472 |
| Total domestic deposits to total assets | 78.1018% | 6,056 |
| Equity capital to assets | 9.4126% | 4,870 |
| Core capital (leverage) ratio | 9.3555% | 4,105 |
| Tier 1 risk-based capital ratio | 12.0477% | 4,931 |
| Total risk-based capital ratio | 12.7378% | 5,388 |
| Memoranda: | ||
| Average total assets | $258,757,250 | 2,540 |
| Average earning assets | $237,316,000 | 2,549 |
| Average equity | $24,017,000 | 2,753 |
| Average total loans | $211,912,250 | 2,202 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9674% | 2,315 |
| Cost of funding earning assets | 2.4311% | 1,844 |
| Net interest margin | 3.5362% | 4,633 |
| Noninterest income to average assets | 1.3097% | 896 |
| Noninterest expense to average assets | 2.9312% | 4,376 |
| Loan and lease loss provision to assets | 0.5865% | 2,684 |
| Net operating income to assets | 0.6394% | 3,509 |
| Return on assets (ROA) | 1.0118% | 2,157 |
| Pretax return on assets | 1.6215% | 1,166 |
| Return on Equity (ROE) | 10.9522% | 1,711 |
| Retained earnings to average equity (ytd only) | 3.4419% | 3,404 |
| Net charge-offs to loans | 0.4165% | 3,131 |
| Credit loss provision to net charge-offs | 169.6429% | 2,716 |
| Earnings coverage of net charge-offs (x) | 4.7031% | 3,031 |
| Efficiency ratio | 64.3184% | 5,848 |
| Assets per employee ($millions) | 3.1328% | 5,768 |
| Cash dividends to net income (ytd only)* | 68.5736% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6641% | 7,505 |
| Loan loss allowance to noncurrent loans | 21.3689% | 7,050 |
| Noncurrent assets plus other real estate owned to assets | 4.7592% | 1,160 |
| Noncurrent loans to loans | 3.1075% | 2,306 |
| Net loans and leases to total assets | 81.9900% | 960 |
| Net loans and leases to deposits | 109.0288% | 602 |
| Net loans and leases to core deposits | 126.4796% | 1,825 |
| Total domestic deposits to total assets | 75.2003% | 6,719 |
| Equity capital to assets | 9.3994% | 4,750 |
| Core capital (leverage) ratio | 9.3736% | 4,068 |
| Tier 1 risk-based capital ratio | 11.7792% | 5,123 |
| Total risk-based capital ratio | 12.4682% | 5,585 |
| Memoranda: | ||
| Average total assets | $259,142,670 | 2,550 |
| Average earning assets | $237,994,670 | 2,538 |
| Average equity | $23,940,330 | 2,761 |
| Average total loans | $215,120,000 | 2,196 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0483% | 2,159 |
| Cost of funding earning assets | 2.4063% | 2,265 |
| Net interest margin | 3.6420% | 4,133 |
| Noninterest income to average assets | 1.2218% | 963 |
| Noninterest expense to average assets | 2.9231% | 4,078 |
| Loan and lease loss provision to assets | 0.5917% | 2,130 |
| Net operating income to assets | 0.6641% | 3,736 |
| Return on assets (ROA) | 1.0359% | 2,309 |
| Pretax return on assets | 1.6398% | 1,317 |
| Return on Equity (ROE) | 11.3099% | 1,880 |
| Retained earnings to average equity (ytd only) | 4.7153% | 3,289 |
| Net charge-offs to loans | 0.0609% | 4,607 |
| Credit loss provision to net charge-offs | 1,166.6667% | 544 |
| Earnings coverage of net charge-offs (x) | 32.5455% | 1,000 |
| Efficiency ratio | 63.9113% | 5,707 |
| Assets per employee ($millions) | 3.2589% | 5,427 |
| Cash dividends to net income (ytd only)* | 58.3086% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6836% | 7,491 |
| Loan loss allowance to noncurrent loans | 27.3879% | 6,735 |
| Noncurrent assets plus other real estate owned to assets | 3.5314% | 1,518 |
| Noncurrent loans to loans | 2.4958% | 2,634 |
| Net loans and leases to total assets | 78.7271% | 1,637 |
| Net loans and leases to deposits | 108.7408% | 688 |
| Net loans and leases to core deposits | 124.9230% | 2,000 |
| Total domestic deposits to total assets | 72.3989% | 7,152 |
| Equity capital to assets | 8.9840% | 5,375 |
| Core capital (leverage) ratio | 8.9596% | 4,779 |
| Tier 1 risk-based capital ratio | 11.5893% | 5,319 |
| Total risk-based capital ratio | 12.2906% | 5,777 |
| Memoranda: | ||
| Average total assets | $260,269,000 | 2,545 |
| Average earning assets | $239,540,000 | 2,538 |
| Average equity | $23,837,500 | 2,788 |
| Average total loans | $216,664,000 | 2,204 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4740% | 3,093 |
| Cost of funding earning assets | 2.9465% | 2,072 |
| Net interest margin | 3.5274% | 5,198 |
| Noninterest income to average assets | 0.8564% | 2,187 |
| Noninterest expense to average assets | 3.0089% | 4,054 |
| Loan and lease loss provision to assets | 0.3939% | 3,332 |
| Net operating income to assets | 0.4483% | 4,958 |
| Return on assets (ROA) | 0.5621% | 4,327 |
| Pretax return on assets | 0.8875% | 3,764 |
| Return on Equity (ROE) | 6.0149% | 3,935 |
| Retained earnings to average equity (ytd only) | 1.7319% | 4,175 |
| Net charge-offs to loans | 0.2454% | 3,817 |
| Credit loss provision to net charge-offs | 185.3659% | 2,675 |
| Earnings coverage of net charge-offs (x) | 5.1932% | 3,725 |
| Efficiency ratio | 73.1653% | 3,720 |
| Assets per employee ($millions) | 3.0891% | 5,807 |
| Cash dividends to net income (ytd only)* | 71.2057% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4948% | 7,859 |
| Loan loss allowance to noncurrent loans | 20.2513% | 7,230 |
| Noncurrent assets plus other real estate owned to assets | 3.6782% | 1,185 |
| Noncurrent loans to loans | 2.4434% | 2,242 |
| Net loans and leases to total assets | 87.0094% | 472 |
| Net loans and leases to deposits | 118.8127% | 418 |
| Net loans and leases to core deposits | 135.9613% | 1,488 |
| Total domestic deposits to total assets | 73.2324% | 6,789 |
| Equity capital to assets | 9.3432% | 4,879 |
| Core capital (leverage) ratio | 9.3354% | 4,249 |
| Tier 1 risk-based capital ratio | 11.2421% | 5,496 |
| Total risk-based capital ratio | 11.7632% | 6,080 |
| Memoranda: | ||
| Average total assets | $250,825,600 | 2,557 |
| Average earning assets | $231,527,600 | 2,540 |
| Average equity | $23,441,800 | 2,796 |
| Average total loans | $217,231,600 | 2,156 |