Home > Capaha Bank, SB > Performance and Condition Ratios
Capaha Bank, SB, Performance and Condition Ratios
| 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 | 4.1673% | 2,392 |
| Cost of funding earning assets | 0.5104% | 2,004 |
| Net interest margin | 3.6569% | 2,667 |
| Noninterest income to average assets | 0.9758% | 1,047 |
| Noninterest expense to average assets | 3.2860% | 1,414 |
| Loan and lease loss provision to assets | 0.1175% | 1,625 |
| Net operating income to assets | 0.5736% | 4,264 |
| Return on assets (ROA) | 0.5736% | 4,309 |
| Pretax return on assets | 0.8683% | 3,873 |
| Return on Equity (ROE) | 5.7286% | 4,030 |
| Retained earnings to average equity (ytd only) | 2.4267% | 4,176 |
| Net charge-offs to loans | 0.2766% | 655 |
| Credit loss provision to net charge-offs | 53.6364% | 1,955 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,380 |
| Efficiency ratio | 76.9231% | 1,768 |
| Assets per employee ($millions) | 3.1747% | 5,193 |
| Cash dividends to net income (ytd only)* | 57.6389% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7596% | 1,034 |
| Loan loss allowance to noncurrent loans | 97.0732% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.4130% | 1,177 |
| Noncurrent loans to loans | 1.8126% | 1,034 |
| Net loans and leases to total assets | 76.5561% | 1,321 |
| Net loans and leases to deposits | 85.6283% | 2,078 |
| Net loans and leases to core deposits | 97.6392% | 1,688 |
| Total domestic deposits to total assets | 89.4051% | 943 |
| Equity capital to assets | 9.9349% | 3,836 |
| Core capital (leverage) ratio | 10.1231% | 3,348 |
| Tier 1 risk-based capital ratio | 10.4071% | 5,583 |
| Total risk-based capital ratio | 11.6595% | 5,505 |
| Memoranda: | ||
| Average total assets | $200,852,000 | 2,991 |
| Average earning assets | $181,028,000 | 3,018 |
| Average equity | $20,109,500 | 3,155 |
| Average total loans | $159,064,500 | 2,591 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4005% | 1,822 |
| Cost of funding earning assets | 0.4691% | 2,365 |
| Net interest margin | 3.9314% | 1,849 |
| Noninterest income to average assets | 1.0513% | 1,022 |
| Noninterest expense to average assets | 3.3707% | 1,422 |
| Loan and lease loss provision to assets | 0.5000% | 280 |
| Net operating income to assets | 0.4847% | 4,691 |
| Return on assets (ROA) | 0.4847% | 4,767 |
| Pretax return on assets | 0.7187% | 4,428 |
| Return on Equity (ROE) | 4.7420% | 4,540 |
| Retained earnings to average equity (ytd only) | 1.4380% | 4,689 |
| Net charge-offs to loans | -0.0203% | 5,131 |
| Credit loss provision to net charge-offs | -3,071.8750% | 5,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1464% | 2,405 |
| Assets per employee ($millions) | 3.1019% | 5,262 |
| Cash dividends to net income (ytd only)* | 69.6747% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7754% | 987 |
| Loan loss allowance to noncurrent loans | 4,234.3284% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 5,233 |
| Noncurrent loans to loans | 0.0419% | 5,082 |
| Net loans and leases to total assets | 79.0632% | 1,035 |
| Net loans and leases to deposits | 88.5687% | 1,861 |
| Net loans and leases to core deposits | 102.6728% | 1,397 |
| Total domestic deposits to total assets | 89.2676% | 970 |
| Equity capital to assets | 10.0911% | 3,619 |
| Core capital (leverage) ratio | 10.1923% | 3,233 |
| Tier 1 risk-based capital ratio | 10.4132% | 5,612 |
| Total risk-based capital ratio | 11.6661% | 5,550 |
| Memoranda: | ||
| Average total assets | $196,606,000 | 2,994 |
| Average earning assets | $176,932,800 | 3,045 |
| Average equity | $20,097,200 | 3,159 |
| Average total loans | $157,578,600 | 2,548 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4027% | 1,852 |
| Cost of funding earning assets | 0.4585% | 2,473 |
| Net interest margin | 3.9442% | 1,838 |
| Noninterest income to average assets | 1.0503% | 1,029 |
| Noninterest expense to average assets | 3.3964% | 1,348 |
| Loan and lease loss provision to assets | 0.1149% | 2,012 |
| Net operating income to assets | 0.7111% | 3,784 |
| Return on assets (ROA) | 0.7111% | 3,922 |
| Pretax return on assets | 1.0891% | 3,277 |
| Return on Equity (ROE) | 6.9339% | 3,596 |
| Retained earnings to average equity (ytd only) | 3.6327% | 3,713 |
| Net charge-offs to loans | -0.0306% | 5,171 |
| Credit loss provision to net charge-offs | -469.4444% | 5,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4299% | 2,375 |
| Assets per employee ($millions) | 2.9387% | 5,439 |
| Cash dividends to net income (ytd only)* | 47.6098% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 2,821 |
| Loan loss allowance to noncurrent loans | 2,815.2778% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 5,333 |
| Noncurrent loans to loans | 0.0453% | 5,180 |
| Net loans and leases to total assets | 80.9730% | 766 |
| Net loans and leases to deposits | 94.7848% | 1,170 |
| Net loans and leases to core deposits | 111.5018% | 834 |
| Total domestic deposits to total assets | 85.4283% | 2,632 |
| Equity capital to assets | 10.5351% | 3,525 |
| Core capital (leverage) ratio | 10.6223% | 2,852 |
| Tier 1 risk-based capital ratio | 10.6777% | 5,533 |
| Total risk-based capital ratio | 11.7403% | 5,544 |
| Memoranda: | ||
| Average total assets | $196,127,250 | 3,008 |
| Average earning assets | $176,525,250 | 3,059 |
| Average equity | $20,113,250 | 3,182 |
| Average total loans | $157,024,750 | 2,562 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3808% | 1,882 |
| Cost of funding earning assets | 0.4516% | 2,549 |
| Net interest margin | 3.9291% | 1,884 |
| Noninterest income to average assets | 0.9632% | 1,208 |
| Noninterest expense to average assets | 3.3660% | 1,447 |
| Loan and lease loss provision to assets | 0.1504% | 1,523 |
| Net operating income to assets | 0.6441% | 4,075 |
| Return on assets (ROA) | 0.6441% | 4,216 |
| Pretax return on assets | 0.9825% | 3,650 |
| Return on Equity (ROE) | 6.3379% | 3,882 |
| Retained earnings to average equity (ytd only) | 3.0190% | 3,993 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3677% | 2,308 |
| Assets per employee ($millions) | 3.0177% | 5,408 |
| Cash dividends to net income (ytd only)* | 52.3659% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 2,924 |
| Loan loss allowance to noncurrent loans | 975.2475% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.1046% | 5,094 |
| Noncurrent loans to loans | 0.1307% | 4,915 |
| Net loans and leases to total assets | 78.9816% | 1,069 |
| Net loans and leases to deposits | 92.6849% | 1,434 |
| Net loans and leases to core deposits | 108.0956% | 1,035 |
| Total domestic deposits to total assets | 85.2152% | 2,777 |
| Equity capital to assets | 10.4509% | 3,692 |
| Core capital (leverage) ratio | 10.1119% | 3,433 |
| Tier 1 risk-based capital ratio | 10.8178% | 5,517 |
| Total risk-based capital ratio | 11.8771% | 5,532 |
| Memoranda: | ||
| Average total assets | $196,852,670 | 3,015 |
| Average earning assets | $177,138,000 | 3,070 |
| Average equity | $20,006,670 | 3,195 |
| Average total loans | $156,341,330 | 2,572 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3309% | 2,027 |
| Cost of funding earning assets | 0.4438% | 2,651 |
| Net interest margin | 3.8871% | 1,974 |
| Noninterest income to average assets | 0.8917% | 1,334 |
| Noninterest expense to average assets | 3.3173% | 1,560 |
| Loan and lease loss provision to assets | 0.1711% | 1,202 |
| Net operating income to assets | 0.5978% | 4,184 |
| Return on assets (ROA) | 0.5978% | 4,302 |
| Pretax return on assets | 0.9119% | 3,794 |
| Return on Equity (ROE) | 5.9645% | 4,000 |
| Retained earnings to average equity (ytd only) | 2.6308% | 4,193 |
| Net charge-offs to loans | 0.0127% | 2,700 |
| Credit loss provision to net charge-offs | 1,700.0000% | 240 |
| Earnings coverage of net charge-offs (x) | 107.6000% | 515 |
| Efficiency ratio | 74.9314% | 2,336 |
| Assets per employee ($millions) | 3.2051% | 5,275 |
| Cash dividends to net income (ytd only)* | 55.8923% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 3,428 |
| Loan loss allowance to noncurrent loans | 1,599.1597% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 5,370 |
| Noncurrent loans to loans | 0.0756% | 5,174 |
| Net loans and leases to total assets | 76.9908% | 1,248 |
| Net loans and leases to deposits | 86.0666% | 2,055 |
| Net loans and leases to core deposits | 98.9145% | 1,571 |
| Total domestic deposits to total assets | 89.4549% | 859 |
| Equity capital to assets | 9.9052% | 4,206 |
| Core capital (leverage) ratio | 10.0553% | 3,468 |
| Tier 1 risk-based capital ratio | 10.5542% | 5,727 |
| Total risk-based capital ratio | 11.5614% | 5,752 |
| Memoranda: | ||
| Average total assets | $198,713,500 | 3,001 |
| Average earning assets | $179,361,500 | 3,056 |
| Average equity | $19,918,000 | 3,211 |
| Average total loans | $157,258,000 | 2,560 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3575% | 2,034 |
| Cost of funding earning assets | 0.4372% | 2,763 |
| Net interest margin | 3.9203% | 1,965 |
| Noninterest income to average assets | 1.1302% | 928 |
| Noninterest expense to average assets | 3.3197% | 1,680 |
| Loan and lease loss provision to assets | 0.1259% | 1,915 |
| Net operating income to assets | 0.7883% | 3,386 |
| Return on assets (ROA) | 0.7883% | 3,466 |
| Pretax return on assets | 1.2100% | 2,617 |
| Return on Equity (ROE) | 7.8157% | 3,056 |
| Retained earnings to average equity (ytd only) | 4.4060% | 2,843 |
| Net charge-offs to loans | 0.1713% | 1,661 |
| Credit loss provision to net charge-offs | 93.4615% | 2,694 |
| Earnings coverage of net charge-offs (x) | 9.9192% | 2,758 |
| Efficiency ratio | 70.8611% | 3,088 |
| Assets per employee ($millions) | 3.0547% | 5,472 |
| Cash dividends to net income (ytd only)* | 43.6268% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 3,706 |
| Loan loss allowance to noncurrent loans | 1,469.3548% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 5,392 |
| Noncurrent loans to loans | 0.0789% | 5,189 |
| Net loans and leases to total assets | 79.4504% | 929 |
| Net loans and leases to deposits | 89.0208% | 1,744 |
| Net loans and leases to core deposits | 103.0204% | 1,292 |
| Total domestic deposits to total assets | 89.2493% | 1,000 |
| Equity capital to assets | 10.1456% | 3,811 |
| Core capital (leverage) ratio | 9.9968% | 3,513 |
| Tier 1 risk-based capital ratio | 10.4846% | 5,781 |
| Total risk-based capital ratio | 11.4490% | 5,825 |
| Memoranda: | ||
| Average total assets | $193,061,600 | 3,012 |
| Average earning assets | $173,610,000 | 3,072 |
| Average equity | $19,473,600 | 3,221 |
| Average total loans | $151,816,600 | 2,572 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3455% | 2,090 |
| Cost of funding earning assets | 0.4405% | 2,791 |
| Net interest margin | 3.9050% | 2,017 |
| Noninterest income to average assets | 1.1383% | 926 |
| Noninterest expense to average assets | 3.3705% | 1,533 |
| Loan and lease loss provision to assets | 0.0104% | 4,062 |
| Net operating income to assets | 0.8210% | 3,331 |
| Return on assets (ROA) | 0.8210% | 3,416 |
| Pretax return on assets | 1.2644% | 2,535 |
| Return on Equity (ROE) | 8.1512% | 2,992 |
| Retained earnings to average equity (ytd only) | 4.7256% | 3,108 |
| Net charge-offs to loans | 0.0089% | 3,853 |
| Credit loss provision to net charge-offs | 150.0000% | 1,674 |
| Earnings coverage of net charge-offs (x) | 184.0413% | 388 |
| Efficiency ratio | 72.1104% | 2,858 |
| Assets per employee ($millions) | 3.0977% | 5,435 |
| Cash dividends to net income (ytd only)* | 42.0251% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 3,660 |
| Loan loss allowance to noncurrent loans | 250.8844% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.3827% | 4,232 |
| Noncurrent loans to loans | 0.4784% | 3,926 |
| Net loans and leases to total assets | 79.0378% | 952 |
| Net loans and leases to deposits | 88.6905% | 1,810 |
| Net loans and leases to core deposits | 103.1124% | 1,296 |
| Total domestic deposits to total assets | 89.1164% | 966 |
| Equity capital to assets | 10.2556% | 3,867 |
| Core capital (leverage) ratio | 10.2358% | 3,323 |
| Tier 1 risk-based capital ratio | 10.6969% | 5,801 |
| Total risk-based capital ratio | 11.7015% | 5,834 |
| Memoranda: | ||
| Average total assets | $192,451,250 | 3,047 |
| Average earning assets | $172,832,250 | 3,099 |
| Average equity | $19,383,250 | 3,259 |
| Average total loans | $150,483,250 | 2,601 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2877% | 2,210 |
| Cost of funding earning assets | 0.4505% | 2,720 |
| Net interest margin | 3.8371% | 2,183 |
| Noninterest income to average assets | 1.1580% | 895 |
| Noninterest expense to average assets | 3.4074% | 1,461 |
| Loan and lease loss provision to assets | -0.1049% | 6,092 |
| Net operating income to assets | 0.8402% | 3,172 |
| Return on assets (ROA) | 0.8402% | 3,277 |
| Pretax return on assets | 1.2961% | 2,379 |
| Return on Equity (ROE) | 8.3927% | 2,852 |
| Retained earnings to average equity (ytd only) | 4.9485% | 2,887 |
| Net charge-offs to loans | -0.0776% | 5,695 |
| Credit loss provision to net charge-offs | 174.1379% | 1,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6450% | 2,729 |
| Assets per employee ($millions) | 2.7743% | 5,836 |
| Cash dividends to net income (ytd only)* | 41.0383% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 3,787 |
| Loan loss allowance to noncurrent loans | 359.9198% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 4,790 |
| Noncurrent loans to loans | 0.3335% | 4,489 |
| Net loans and leases to total assets | 79.5416% | 865 |
| Net loans and leases to deposits | 89.5137% | 1,656 |
| Net loans and leases to core deposits | 102.5789% | 1,290 |
| Total domestic deposits to total assets | 88.8597% | 1,212 |
| Equity capital to assets | 10.4780% | 3,464 |
| Core capital (leverage) ratio | 10.0845% | 3,485 |
| Tier 1 risk-based capital ratio | 10.8069% | 5,798 |
| Total risk-based capital ratio | 11.8064% | 5,846 |
| Memoranda: | ||
| Average total assets | $192,581,670 | 3,071 |
| Average earning assets | $172,681,330 | 3,127 |
| Average equity | $19,278,670 | 3,290 |
| Average total loans | $149,429,670 | 2,626 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2073% | 2,428 |
| Cost of funding earning assets | 0.4465% | 2,807 |
| Net interest margin | 3.7608% | 2,388 |
| Noninterest income to average assets | 1.1718% | 834 |
| Noninterest expense to average assets | 3.3031% | 1,714 |
| Loan and lease loss provision to assets | -0.3858% | 6,332 |
| Net operating income to assets | 1.0391% | 2,084 |
| Return on assets (ROA) | 1.0391% | 2,232 |
| Pretax return on assets | 1.6250% | 1,208 |
| Return on Equity (ROE) | 10.6152% | 1,764 |
| Retained earnings to average equity (ytd only) | 7.1533% | 1,945 |
| Net charge-offs to loans | -0.3241% | 6,166 |
| Credit loss provision to net charge-offs | 156.1983% | 1,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2697% | 3,126 |
| Assets per employee ($millions) | 2.7945% | 5,888 |
| Cash dividends to net income (ytd only)* | 32.6130% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 3,893 |
| Loan loss allowance to noncurrent loans | 106.3664% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.8635% | 2,925 |
| Noncurrent loans to loans | 1.1409% | 2,492 |
| Net loans and leases to total assets | 74.7670% | 1,393 |
| Net loans and leases to deposits | 83.8729% | 2,097 |
| Net loans and leases to core deposits | 96.9757% | 1,551 |
| Total domestic deposits to total assets | 89.1432% | 1,175 |
| Equity capital to assets | 10.0457% | 4,094 |
| Core capital (leverage) ratio | 9.8250% | 3,854 |
| Tier 1 risk-based capital ratio | 10.9544% | 5,826 |
| Total risk-based capital ratio | 11.9605% | 5,860 |
| Memoranda: | ||
| Average total assets | $195,935,000 | 3,051 |
| Average earning assets | $175,601,500 | 3,110 |
| Average equity | $19,180,000 | 3,322 |
| Average total loans | $149,322,500 | 2,628 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2910% | 2,640 |
| Cost of funding earning assets | 0.4563% | 3,108 |
| Net interest margin | 3.8347% | 2,494 |
| Noninterest income to average assets | 1.0684% | 1,062 |
| Noninterest expense to average assets | 3.3509% | 1,800 |
| Loan and lease loss provision to assets | -0.1627% | 6,244 |
| Net operating income to assets | 0.8400% | 3,176 |
| Return on assets (ROA) | 0.8400% | 3,267 |
| Pretax return on assets | 1.3086% | 2,212 |
| Return on Equity (ROE) | 8.8801% | 2,648 |
| Retained earnings to average equity (ytd only) | 5.2782% | 2,415 |
| Net charge-offs to loans | 0.1297% | 2,720 |
| Credit loss provision to net charge-offs | -168.6170% | 5,598 |
| Earnings coverage of net charge-offs (x) | 11.8777% | 2,444 |
| Efficiency ratio | 74.0614% | 2,824 |
| Assets per employee ($millions) | 2.8848% | 5,849 |
| Cash dividends to net income (ytd only)* | 40.5620% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 3,975 |
| Loan loss allowance to noncurrent loans | 114.1527% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.8093% | 3,182 |
| Noncurrent loans to loans | 1.0549% | 2,713 |
| Net loans and leases to total assets | 75.7946% | 1,298 |
| Net loans and leases to deposits | 84.3617% | 2,170 |
| Net loans and leases to core deposits | 96.9521% | 1,640 |
| Total domestic deposits to total assets | 89.8448% | 802 |
| Equity capital to assets | 9.5403% | 4,669 |
| Core capital (leverage) ratio | 9.3461% | 4,469 |
| Tier 1 risk-based capital ratio | 10.8864% | 5,952 |
| Total risk-based capital ratio | 11.9487% | 5,964 |
| Memoranda: | ||
| Average total assets | $194,871,800 | 3,054 |
| Average earning assets | $174,223,600 | 3,110 |
| Average equity | $18,434,400 | 3,355 |
| Average total loans | $144,895,400 | 2,643 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2661% | 2,758 |
| Cost of funding earning assets | 0.4550% | 3,189 |
| Net interest margin | 3.8110% | 2,572 |
| Noninterest income to average assets | 0.9878% | 1,258 |
| Noninterest expense to average assets | 3.3961% | 1,680 |
| Loan and lease loss provision to assets | -0.2071% | 6,397 |
| Net operating income to assets | 0.7739% | 3,545 |
| Return on assets (ROA) | 0.7739% | 3,653 |
| Pretax return on assets | 1.2038% | 2,766 |
| Return on Equity (ROE) | 8.1985% | 3,095 |
| Retained earnings to average equity (ytd only) | 4.5693% | 3,394 |
| Net charge-offs to loans | 0.1735% | 2,060 |
| Credit loss provision to net charge-offs | -161.8280% | 5,520 |
| Earnings coverage of net charge-offs (x) | 7.7904% | 2,896 |
| Efficiency ratio | 76.8400% | 2,368 |
| Assets per employee ($millions) | 2.9170% | 5,824 |
| Cash dividends to net income (ytd only)* | 44.2665% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 4,140 |
| Loan loss allowance to noncurrent loans | 281.3636% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.3279% | 4,960 |
| Noncurrent loans to loans | 0.4325% | 4,605 |
| Net loans and leases to total assets | 74.9006% | 1,377 |
| Net loans and leases to deposits | 83.1205% | 2,273 |
| Net loans and leases to core deposits | 95.4852% | 1,719 |
| Total domestic deposits to total assets | 90.1109% | 679 |
| Equity capital to assets | 9.2601% | 5,068 |
| Core capital (leverage) ratio | 9.6250% | 4,197 |
| Tier 1 risk-based capital ratio | 10.8725% | 6,053 |
| Total risk-based capital ratio | 11.9644% | 6,076 |
| Memoranda: | ||
| Average total assets | $193,827,000 | 3,081 |
| Average earning assets | $173,176,500 | 3,148 |
| Average equity | $18,295,500 | 3,386 |
| Average total loans | $142,942,000 | 2,687 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2272% | 2,856 |
| Cost of funding earning assets | 0.4576% | 3,235 |
| Net interest margin | 3.7696% | 2,668 |
| Noninterest income to average assets | 0.9282% | 1,400 |
| Noninterest expense to average assets | 3.4179% | 1,641 |
| Loan and lease loss provision to assets | -0.3522% | 6,547 |
| Net operating income to assets | 0.7818% | 3,415 |
| Return on assets (ROA) | 0.7818% | 3,517 |
| Pretax return on assets | 1.2208% | 2,570 |
| Return on Equity (ROE) | 8.2282% | 2,969 |
| Retained earnings to average equity (ytd only) | 4.5761% | 3,253 |
| Net charge-offs to loans | 0.1961% | 1,848 |
| Credit loss provision to net charge-offs | -245.9854% | 5,432 |
| Earnings coverage of net charge-offs (x) | 6.0657% | 2,827 |
| Efficiency ratio | 79.2490% | 2,129 |
| Assets per employee ($millions) | 2.6808% | 6,147 |
| Cash dividends to net income (ytd only)* | 44.3850% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 3,975 |
| Loan loss allowance to noncurrent loans | 143.5150% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.6944% | 3,900 |
| Noncurrent loans to loans | 0.8910% | 3,471 |
| Net loans and leases to total assets | 76.9350% | 1,059 |
| Net loans and leases to deposits | 85.8327% | 1,831 |
| Net loans and leases to core deposits | 97.1463% | 1,513 |
| Total domestic deposits to total assets | 89.6337% | 1,001 |
| Equity capital to assets | 9.8243% | 4,319 |
| Core capital (leverage) ratio | 9.7123% | 4,017 |
| Tier 1 risk-based capital ratio | 11.1802% | 5,970 |
| Total risk-based capital ratio | 12.3243% | 5,958 |
| Memoranda: | ||
| Average total assets | $191,345,330 | 3,134 |
| Average earning assets | $170,468,670 | 3,197 |
| Average equity | $18,181,330 | 3,406 |
| Average total loans | $139,719,000 | 2,736 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0906% | 3,318 |
| Cost of funding earning assets | 0.4579% | 3,339 |
| Net interest margin | 3.6327% | 3,133 |
| Noninterest income to average assets | 0.8448% | 1,585 |
| Noninterest expense to average assets | 3.2797% | 1,990 |
| Loan and lease loss provision to assets | -0.1408% | 6,523 |
| Net operating income to assets | 0.6067% | 4,170 |
| Return on assets (ROA) | 0.6067% | 4,247 |
| Pretax return on assets | 0.9421% | 3,548 |
| Return on Equity (ROE) | 6.4916% | 3,755 |
| Retained earnings to average equity (ytd only) | 2.8138% | 4,403 |
| Net charge-offs to loans | 0.4426% | 821 |
| Credit loss provision to net charge-offs | -45.0331% | 4,742 |
| Earnings coverage of net charge-offs (x) | 2.5629% | 2,852 |
| Efficiency ratio | 79.8579% | 2,230 |
| Assets per employee ($millions) | 2.6439% | 6,253 |
| Cash dividends to net income (ytd only)* | 56.6553% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 2,656 |
| Loan loss allowance to noncurrent loans | 79.2615% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.3520% | 2,612 |
| Noncurrent loans to loans | 2.0302% | 1,838 |
| Net loans and leases to total assets | 65.5237% | 2,630 |
| Net loans and leases to deposits | 72.4888% | 3,273 |
| Net loans and leases to core deposits | 80.3668% | 2,927 |
| Total domestic deposits to total assets | 90.3915% | 864 |
| Equity capital to assets | 9.1375% | 4,960 |
| Core capital (leverage) ratio | 9.3743% | 4,472 |
| Tier 1 risk-based capital ratio | 12.0333% | 5,625 |
| Total risk-based capital ratio | 13.2852% | 5,553 |
| Memoranda: | ||
| Average total assets | $193,189,500 | 3,127 |
| Average earning assets | $172,103,000 | 3,193 |
| Average equity | $18,054,000 | 3,421 |
| Average total loans | $136,456,500 | 2,791 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6020% | 1,872 |
| Cost of funding earning assets | 0.5094% | 3,507 |
| Net interest margin | 4.0925% | 1,667 |
| Noninterest income to average assets | 1.1365% | 1,086 |
| Noninterest expense to average assets | 3.7634% | 1,197 |
| Loan and lease loss provision to assets | 0.1716% | 2,142 |
| Net operating income to assets | 0.5467% | 4,520 |
| Return on assets (ROA) | 0.5467% | 4,651 |
| Pretax return on assets | 0.8386% | 4,003 |
| Return on Equity (ROE) | 5.6714% | 4,289 |
| Retained earnings to average equity (ytd only) | 1.9539% | 4,843 |
| Net charge-offs to loans | 0.0638% | 4,317 |
| Credit loss provision to net charge-offs | 365.5172% | 627 |
| Earnings coverage of net charge-offs (x) | 21.5172% | 1,490 |
| Efficiency ratio | 78.3857% | 2,406 |
| Assets per employee ($millions) | 2.4114% | 6,455 |
| Cash dividends to net income (ytd only)* | 65.5479% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6641% | 2,521 |
| Loan loss allowance to noncurrent loans | 145.0495% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.8592% | 3,741 |
| Noncurrent loans to loans | 1.1472% | 3,246 |
| Net loans and leases to total assets | 73.6445% | 1,411 |
| Net loans and leases to deposits | 81.8777% | 2,193 |
| Net loans and leases to core deposits | 91.3669% | 1,866 |
| Total domestic deposits to total assets | 89.9445% | 1,102 |
| Equity capital to assets | 9.5642% | 4,328 |
| Core capital (leverage) ratio | 9.3157% | 4,525 |
| Tier 1 risk-based capital ratio | 11.4417% | 5,937 |
| Total risk-based capital ratio | 12.6952% | 5,874 |
| Memoranda: | ||
| Average total assets | $185,310,400 | 3,218 |
| Average earning assets | $164,690,800 | 3,282 |
| Average equity | $17,861,600 | 3,439 |
| Average total loans | $136,311,200 | 2,756 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6091% | 1,873 |
| Cost of funding earning assets | 0.5119% | 3,650 |
| Net interest margin | 4.0972% | 1,642 |
| Noninterest income to average assets | 1.2032% | 1,009 |
| Noninterest expense to average assets | 3.7663% | 1,133 |
| Loan and lease loss provision to assets | 0.2362% | 1,525 |
| Net operating income to assets | 0.5525% | 4,576 |
| Return on assets (ROA) | 0.5525% | 4,721 |
| Pretax return on assets | 0.8479% | 4,103 |
| Return on Equity (ROE) | 5.7206% | 4,332 |
| Retained earnings to average equity (ytd only) | 1.9966% | 5,131 |
| Net charge-offs to loans | 0.0898% | 3,675 |
| Credit loss provision to net charge-offs | 359.3407% | 734 |
| Earnings coverage of net charge-offs (x) | 16.4945% | 1,803 |
| Efficiency ratio | 77.2037% | 2,523 |
| Assets per employee ($millions) | 2.3604% | 6,565 |
| Cash dividends to net income (ytd only)* | 65.0980% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7092% | 2,601 |
| Loan loss allowance to noncurrent loans | 446.5779% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.3949% | 5,234 |
| Noncurrent loans to loans | 0.3827% | 5,253 |
| Net loans and leases to total assets | 73.3730% | 1,386 |
| Net loans and leases to deposits | 81.7520% | 2,168 |
| Net loans and leases to core deposits | 91.6863% | 1,794 |
| Total domestic deposits to total assets | 89.7507% | 1,138 |
| Equity capital to assets | 9.7355% | 4,259 |
| Core capital (leverage) ratio | 9.7127% | 4,085 |
| Tier 1 risk-based capital ratio | 11.7999% | 5,903 |
| Total risk-based capital ratio | 13.0535% | 5,852 |
| Memoranda: | ||
| Average total assets | $184,616,500 | 3,257 |
| Average earning assets | $164,336,000 | 3,315 |
| Average equity | $17,829,750 | 3,487 |
| Average total loans | $135,174,250 | 2,782 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5709% | 1,946 |
| Cost of funding earning assets | 0.5210% | 3,697 |
| Net interest margin | 4.0499% | 1,693 |
| Noninterest income to average assets | 1.2620% | 971 |
| Noninterest expense to average assets | 3.6886% | 1,265 |
| Loan and lease loss provision to assets | 0.2847% | 1,278 |
| Net operating income to assets | 0.5769% | 4,415 |
| Return on assets (ROA) | 0.5769% | 4,589 |
| Pretax return on assets | 0.8897% | 3,948 |
| Return on Equity (ROE) | 5.9893% | 4,185 |
| Retained earnings to average equity (ytd only) | 2.2586% | 4,844 |
| Net charge-offs to loans | 0.0833% | 3,535 |
| Credit loss provision to net charge-offs | 469.6429% | 586 |
| Earnings coverage of net charge-offs (x) | 19.3750% | 1,507 |
| Efficiency ratio | 75.4062% | 2,876 |
| Assets per employee ($millions) | 2.3830% | 6,590 |
| Cash dividends to net income (ytd only)* | 62.2889% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6707% | 2,896 |
| Loan loss allowance to noncurrent loans | 188.4647% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.7134% | 4,442 |
| Noncurrent loans to loans | 0.8865% | 4,155 |
| Net loans and leases to total assets | 76.3994% | 942 |
| Net loans and leases to deposits | 85.3176% | 1,644 |
| Net loans and leases to core deposits | 95.2615% | 1,420 |
| Total domestic deposits to total assets | 89.5470% | 1,297 |
| Equity capital to assets | 9.9740% | 3,951 |
| Core capital (leverage) ratio | 9.6151% | 4,055 |
| Tier 1 risk-based capital ratio | 11.7661% | 5,943 |
| Total risk-based capital ratio | 13.0195% | 5,896 |
| Memoranda: | ||
| Average total assets | $184,785,330 | 3,269 |
| Average earning assets | $164,301,000 | 3,335 |
| Average equity | $17,798,330 | 3,517 |
| Average total loans | $134,420,330 | 2,798 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4583% | 2,321 |
| Cost of funding earning assets | 0.5318% | 3,755 |
| Net interest margin | 3.9265% | 2,025 |
| Noninterest income to average assets | 1.2416% | 992 |
| Noninterest expense to average assets | 3.5545% | 1,506 |
| Loan and lease loss provision to assets | 0.2279% | 1,613 |
| Net operating income to assets | 0.6134% | 4,149 |
| Return on assets (ROA) | 0.6134% | 4,311 |
| Pretax return on assets | 0.9499% | 3,566 |
| Return on Equity (ROE) | 6.4776% | 3,774 |
| Retained earnings to average equity (ytd only) | 2.7440% | 4,640 |
| Net charge-offs to loans | 0.0091% | 3,972 |
| Credit loss provision to net charge-offs | 3,566.6667% | 80 |
| Earnings coverage of net charge-offs (x) | 184.3333% | 219 |
| Efficiency ratio | 74.6625% | 3,145 |
| Assets per employee ($millions) | 2.4421% | 6,630 |
| Cash dividends to net income (ytd only)* | 57.6389% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 2,999 |
| Loan loss allowance to noncurrent loans | 320.8394% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 5,416 |
| Noncurrent loans to loans | 0.5306% | 5,114 |
| Net loans and leases to total assets | 68.0812% | 1,995 |
| Net loans and leases to deposits | 75.5751% | 2,700 |
| Net loans and leases to core deposits | 83.8411% | 2,338 |
| Total domestic deposits to total assets | 90.0842% | 992 |
| Equity capital to assets | 9.4888% | 4,866 |
| Core capital (leverage) ratio | 9.3828% | 4,272 |
| Tier 1 risk-based capital ratio | 12.4357% | 5,620 |
| Total risk-based capital ratio | 13.6899% | 5,564 |
| Memoranda: | ||
| Average total assets | $187,816,000 | 3,252 |
| Average earning assets | $166,968,500 | 3,325 |
| Average equity | $17,784,500 | 3,554 |
| Average total loans | $132,198,500 | 2,861 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8795% | 1,908 |
| Cost of funding earning assets | 0.6521% | 3,900 |
| Net interest margin | 4.2274% | 1,585 |
| Noninterest income to average assets | 1.7367% | 540 |
| Noninterest expense to average assets | 3.6169% | 1,571 |
| Loan and lease loss provision to assets | 0.3335% | 2,031 |
| Net operating income to assets | 0.9765% | 2,441 |
| Return on assets (ROA) | 0.9765% | 2,667 |
| Pretax return on assets | 1.5319% | 1,588 |
| Return on Equity (ROE) | 10.4223% | 1,993 |
| Retained earnings to average equity (ytd only) | 6.5702% | 1,780 |
| Net charge-offs to loans | 0.2170% | 3,656 |
| Credit loss provision to net charge-offs | 213.6842% | 1,189 |
| Earnings coverage of net charge-offs (x) | 11.9509% | 1,982 |
| Efficiency ratio | 65.5644% | 4,588 |
| Assets per employee ($millions) | 2.4362% | 6,671 |
| Cash dividends to net income (ytd only)* | 36.9602% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5750% | 3,421 |
| Loan loss allowance to noncurrent loans | 316.7916% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.3790% | 5,557 |
| Noncurrent loans to loans | 0.4972% | 5,291 |
| Net loans and leases to total assets | 70.3906% | 1,765 |
| Net loans and leases to deposits | 78.1715% | 2,503 |
| Net loans and leases to core deposits | 86.7450% | 2,223 |
| Total domestic deposits to total assets | 90.0463% | 925 |
| Equity capital to assets | 9.4494% | 4,935 |
| Core capital (leverage) ratio | 9.2773% | 4,456 |
| Tier 1 risk-based capital ratio | 11.9682% | 5,812 |
| Total risk-based capital ratio | 13.2204% | 5,761 |
| Memoranda: | ||
| Average total assets | $182,586,000 | 3,280 |
| Average earning assets | $161,778,400 | 3,354 |
| Average equity | $17,107,600 | 3,611 |
| Average total loans | $131,362,200 | 2,857 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8891% | 2,050 |
| Cost of funding earning assets | 0.6639% | 4,076 |
| Net interest margin | 4.2252% | 1,664 |
| Noninterest income to average assets | 1.5977% | 582 |
| Noninterest expense to average assets | 3.5800% | 1,592 |
| Loan and lease loss provision to assets | 0.3287% | 1,997 |
| Net operating income to assets | 0.9183% | 2,892 |
| Return on assets (ROA) | 0.9183% | 3,118 |
| Pretax return on assets | 1.4419% | 2,106 |
| Return on Equity (ROE) | 9.8230% | 2,435 |
| Retained earnings to average equity (ytd only) | 5.9457% | 2,730 |
| Net charge-offs to loans | 0.0296% | 5,240 |
| Credit loss provision to net charge-offs | 1,541.3793% | 178 |
| Earnings coverage of net charge-offs (x) | 83.0253% | 495 |
| Efficiency ratio | 66.4972% | 4,360 |
| Assets per employee ($millions) | 2.4192% | 6,766 |
| Cash dividends to net income (ytd only)* | 39.4718% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6578% | 3,298 |
| Loan loss allowance to noncurrent loans | 127.2046% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.9819% | 4,323 |
| Noncurrent loans to loans | 1.3033% | 3,861 |
| Net loans and leases to total assets | 70.2809% | 1,858 |
| Net loans and leases to deposits | 77.8674% | 2,680 |
| Net loans and leases to core deposits | 86.4558% | 2,402 |
| Total domestic deposits to total assets | 90.2572% | 698 |
| Equity capital to assets | 9.3337% | 5,429 |
| Core capital (leverage) ratio | 9.5565% | 4,186 |
| Tier 1 risk-based capital ratio | 11.9967% | 5,934 |
| Total risk-based capital ratio | 13.2501% | 5,923 |
| Memoranda: | ||
| Average total assets | $181,335,250 | 3,325 |
| Average earning assets | $161,061,000 | 3,401 |
| Average equity | $16,953,000 | 3,668 |
| Average total loans | $130,663,250 | 2,905 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9092% | 2,073 |
| Cost of funding earning assets | 0.6904% | 4,092 |
| Net interest margin | 4.2189% | 1,702 |
| Noninterest income to average assets | 1.5460% | 615 |
| Noninterest expense to average assets | 3.6085% | 1,565 |
| Loan and lease loss provision to assets | 0.3217% | 2,050 |
| Net operating income to assets | 0.8593% | 3,094 |
| Return on assets (ROA) | 0.8593% | 3,360 |
| Pretax return on assets | 1.3501% | 2,386 |
| Return on Equity (ROE) | 9.1859% | 2,722 |
| Retained earnings to average equity (ytd only) | 5.2950% | 3,096 |
| Net charge-offs to loans | 0.0323% | 4,921 |
| Credit loss provision to net charge-offs | 1,376.1905% | 240 |
| Earnings coverage of net charge-offs (x) | 71.5238% | 561 |
| Efficiency ratio | 67.9174% | 4,135 |
| Assets per employee ($millions) | 2.3762% | 6,844 |
| Cash dividends to net income (ytd only)* | 42.3575% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5624% | 3,732 |
| Loan loss allowance to noncurrent loans | 106.9683% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 1.1318% | 4,127 |
| Noncurrent loans to loans | 1.4606% | 3,716 |
| Net loans and leases to total assets | 72.7224% | 1,439 |
| Net loans and leases to deposits | 80.7411% | 2,272 |
| Net loans and leases to core deposits | 88.2065% | 2,185 |
| Total domestic deposits to total assets | 90.0686% | 886 |
| Equity capital to assets | 9.5572% | 4,970 |
| Core capital (leverage) ratio | 9.4549% | 4,210 |
| Tier 1 risk-based capital ratio | 12.4059% | 5,638 |
| Total risk-based capital ratio | 13.6589% | 5,618 |
| Memoranda: | ||
| Average total assets | $179,686,670 | 3,359 |
| Average earning assets | $159,048,000 | 3,442 |
| Average equity | $16,808,330 | 3,680 |
| Average total loans | $129,842,000 | 2,931 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8670% | 2,365 |
| Cost of funding earning assets | 0.7028% | 4,255 |
| Net interest margin | 4.1642% | 1,871 |
| Noninterest income to average assets | 1.5120% | 629 |
| Noninterest expense to average assets | 3.4896% | 1,782 |
| Loan and lease loss provision to assets | 0.2971% | 2,099 |
| Net operating income to assets | 0.8898% | 2,966 |
| Return on assets (ROA) | 0.8912% | 3,186 |
| Pretax return on assets | 1.4056% | 2,177 |
| Return on Equity (ROE) | 9.6308% | 2,546 |
| Retained earnings to average equity (ytd only) | 5.7737% | 3,094 |
| Net charge-offs to loans | 0.0714% | 3,782 |
| Credit loss provision to net charge-offs | 582.6087% | 585 |
| Earnings coverage of net charge-offs (x) | 33.3478% | 852 |
| Efficiency ratio | 66.8091% | 4,399 |
| Assets per employee ($millions) | 4.0688% | 3,862 |
| Cash dividends to net income (ytd only)* | 40.0498% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4887% | 4,217 |
| Loan loss allowance to noncurrent loans | 113.5684% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 1.3774% | 3,813 |
| Noncurrent loans to loans | 1.3108% | 4,149 |
| Net loans and leases to total assets | 68.6685% | 1,997 |
| Net loans and leases to deposits | 75.9556% | 2,801 |
| Net loans and leases to core deposits | 82.7432% | 2,721 |
| Total domestic deposits to total assets | 90.4062% | 862 |
| Equity capital to assets | 9.1853% | 5,256 |
| Core capital (leverage) ratio | 9.3325% | 4,313 |
| Tier 1 risk-based capital ratio | 12.6434% | 5,487 |
| Total risk-based capital ratio | 13.8960% | 5,450 |
| Memoranda: | ||
| Average total assets | $180,424,000 | 3,371 |
| Average earning assets | $159,359,500 | 3,447 |
| Average equity | $16,696,500 | 3,690 |
| Average total loans | $128,934,500 | 2,960 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2139% | 2,006 |
| Cost of funding earning assets | 0.8526% | 4,456 |
| Net interest margin | 4.3614% | 1,509 |
| Noninterest income to average assets | 1.0209% | 1,303 |
| Noninterest expense to average assets | 3.5578% | 1,842 |
| Loan and lease loss provision to assets | 0.3647% | 2,811 |
| Net operating income to assets | 0.6159% | 3,913 |
| Return on assets (ROA) | 0.6181% | 4,095 |
| Pretax return on assets | 0.9591% | 3,394 |
| Return on Equity (ROE) | 6.7860% | 3,494 |
| Retained earnings to average equity (ytd only) | 3.0537% | 4,056 |
| Net charge-offs to loans | 0.1997% | 4,541 |
| Credit loss provision to net charge-offs | 247.7099% | 977 |
| Earnings coverage of net charge-offs (x) | 8.9695% | 2,057 |
| Efficiency ratio | 72.4718% | 3,483 |
| Assets per employee ($millions) | 2.6530% | 6,661 |
| Cash dividends to net income (ytd only)* | 55.0000% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 4,586 |
| Loan loss allowance to noncurrent loans | 90.3079% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.6489% | 3,479 |
| Noncurrent loans to loans | 1.5210% | 3,866 |
| Net loans and leases to total assets | 72.2640% | 1,599 |
| Net loans and leases to deposits | 80.0087% | 2,516 |
| Net loans and leases to core deposits | 86.3814% | 2,586 |
| Total domestic deposits to total assets | 90.3202% | 801 |
| Equity capital to assets | 9.3248% | 5,116 |
| Core capital (leverage) ratio | 8.8903% | 4,962 |
| Tier 1 risk-based capital ratio | 12.3484% | 5,585 |
| Total risk-based capital ratio | 13.5996% | 5,550 |
| Memoranda: | ||
| Average total assets | $177,975,800 | 3,365 |
| Average earning assets | $157,404,800 | 3,449 |
| Average equity | $16,209,800 | 3,688 |
| Average total loans | $131,189,600 | 2,966 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2324% | 2,088 |
| Cost of funding earning assets | 0.8622% | 4,690 |
| Net interest margin | 4.3702% | 1,492 |
| Noninterest income to average assets | 0.9519% | 1,480 |
| Noninterest expense to average assets | 3.6000% | 1,709 |
| Loan and lease loss provision to assets | 0.3580% | 2,718 |
| Net operating income to assets | 0.5570% | 4,284 |
| Return on assets (ROA) | 0.5579% | 4,457 |
| Pretax return on assets | 0.8672% | 3,889 |
| Return on Equity (ROE) | 6.1625% | 3,945 |
| Retained earnings to average equity (ytd only) | 1.1498% | 5,557 |
| Net charge-offs to loans | 0.2293% | 4,001 |
| Credit loss provision to net charge-offs | 211.5044% | 1,374 |
| Earnings coverage of net charge-offs (x) | 7.2300% | 2,392 |
| Efficiency ratio | 74.1655% | 3,143 |
| Assets per employee ($millions) | 2.5691% | 6,816 |
| Cash dividends to net income (ytd only)* | 81.3422% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 5,214 |
| Loan loss allowance to noncurrent loans | 82.7414% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.6315% | 3,639 |
| Noncurrent loans to loans | 1.5182% | 4,006 |
| Net loans and leases to total assets | 72.2985% | 1,646 |
| Net loans and leases to deposits | 79.9137% | 2,666 |
| Net loans and leases to core deposits | 87.9367% | 2,504 |
| Total domestic deposits to total assets | 90.4707% | 651 |
| Equity capital to assets | 9.0466% | 5,694 |
| Core capital (leverage) ratio | 8.9328% | 5,041 |
| Tier 1 risk-based capital ratio | 11.9527% | 5,928 |
| Total risk-based capital ratio | 13.1913% | 5,919 |
| Memoranda: | ||
| Average total assets | $178,032,000 | 3,381 |
| Average earning assets | $157,731,750 | 3,470 |
| Average equity | $16,118,500 | 3,716 |
| Average total loans | $131,427,250 | 2,982 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2636% | 2,014 |
| Cost of funding earning assets | 0.8739% | 4,873 |
| Net interest margin | 4.3897% | 1,398 |
| Noninterest income to average assets | 0.9750% | 1,395 |
| Noninterest expense to average assets | 3.6003% | 1,743 |
| Loan and lease loss provision to assets | 0.3551% | 2,655 |
| Net operating income to assets | 0.5798% | 4,160 |
| Return on assets (ROA) | 0.5805% | 4,283 |
| Pretax return on assets | 0.9051% | 3,597 |
| Return on Equity (ROE) | 6.4101% | 3,744 |
| Retained earnings to average equity (ytd only) | 2.6387% | 4,614 |
| Net charge-offs to loans | 0.0868% | 4,783 |
| Credit loss provision to net charge-offs | 552.6316% | 558 |
| Earnings coverage of net charge-offs (x) | 19.5965% | 1,210 |
| Efficiency ratio | 73.6256% | 3,436 |
| Assets per employee ($millions) | 2.5551% | 6,854 |
| Cash dividends to net income (ytd only)* | 58.8350% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 5,255 |
| Loan loss allowance to noncurrent loans | 87.4605% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.6739% | 3,668 |
| Noncurrent loans to loans | 1.4408% | 4,256 |
| Net loans and leases to total assets | 73.7786% | 1,460 |
| Net loans and leases to deposits | 81.6229% | 2,503 |
| Net loans and leases to core deposits | 89.7946% | 2,400 |
| Total domestic deposits to total assets | 90.3896% | 763 |
| Equity capital to assets | 9.2428% | 5,214 |
| Core capital (leverage) ratio | 9.3181% | 4,225 |
| Tier 1 risk-based capital ratio | 12.0758% | 5,726 |
| Total risk-based capital ratio | 13.3261% | 5,690 |
| Memoranda: | ||
| Average total assets | $177,431,000 | 3,406 |
| Average earning assets | $157,004,000 | 3,505 |
| Average equity | $16,068,330 | 3,720 |
| Average total loans | $131,345,670 | 3,015 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2482% | 2,057 |
| Cost of funding earning assets | 0.9344% | 4,693 |
| Net interest margin | 4.3139% | 1,521 |
| Noninterest income to average assets | 0.9798% | 1,388 |
| Noninterest expense to average assets | 3.6944% | 1,547 |
| Loan and lease loss provision to assets | 0.3506% | 2,458 |
| Net operating income to assets | 0.4840% | 4,557 |
| Return on assets (ROA) | 0.4854% | 4,630 |
| Pretax return on assets | 0.7551% | 4,079 |
| Return on Equity (ROE) | 5.4152% | 4,192 |
| Retained earnings to average equity (ytd only) | 1.6296% | 5,140 |
| Net charge-offs to loans | 0.0945% | 3,997 |
| Credit loss provision to net charge-offs | 503.2258% | 710 |
| Earnings coverage of net charge-offs (x) | 15.8387% | 1,296 |
| Efficiency ratio | 76.5340% | 3,066 |
| Assets per employee ($millions) | 2.3575% | 7,137 |
| Cash dividends to net income (ytd only)* | 69.9074% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 5,736 |
| Loan loss allowance to noncurrent loans | 63.5720% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 2.3210% | 2,928 |
| Noncurrent loans to loans | 1.8507% | 3,755 |
| Net loans and leases to total assets | 73.5202% | 1,418 |
| Net loans and leases to deposits | 81.2460% | 2,486 |
| Net loans and leases to core deposits | 83.9947% | 3,161 |
| Total domestic deposits to total assets | 90.4909% | 846 |
| Equity capital to assets | 9.1749% | 4,911 |
| Core capital (leverage) ratio | 8.8082% | 4,915 |
| Tier 1 risk-based capital ratio | 12.0170% | 5,677 |
| Total risk-based capital ratio | 13.1737% | 5,748 |
| Memoranda: | ||
| Average total assets | $177,997,000 | 3,415 |
| Average earning assets | $157,539,000 | 3,510 |
| Average equity | $15,955,000 | 3,734 |
| Average total loans | $131,153,000 | 3,044 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4384% | 2,509 |
| Cost of funding earning assets | 1.2183% | 4,432 |
| Net interest margin | 4.2201% | 2,098 |
| Noninterest income to average assets | 1.0066% | 1,484 |
| Noninterest expense to average assets | 3.6387% | 1,825 |
| Loan and lease loss provision to assets | 0.7769% | 2,114 |
| Net operating income to assets | 0.2077% | 5,248 |
| Return on assets (ROA) | 0.2872% | 5,138 |
| Pretax return on assets | 0.4333% | 4,841 |
| Return on Equity (ROE) | 3.2723% | 4,836 |
| Retained earnings to average equity (ytd only) | 0.3402% | 5,411 |
| Net charge-offs to loans | 0.9547% | 2,272 |
| Credit loss provision to net charge-offs | 110.0769% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.5438% | 4,588 |
| Efficiency ratio | 76.4841% | 2,968 |
| Assets per employee ($millions) | 2.4205% | 7,109 |
| Cash dividends to net income (ytd only)* | 89.6030% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 6,120 |
| Loan loss allowance to noncurrent loans | 61.8711% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 2.2100% | 3,081 |
| Noncurrent loans to loans | 1.7099% | 3,939 |
| Net loans and leases to total assets | 72.2254% | 2,049 |
| Net loans and leases to deposits | 79.4616% | 3,261 |
| Net loans and leases to core deposits | 82.3813% | 3,844 |
| Total domestic deposits to total assets | 90.8935% | 653 |
| Equity capital to assets | 8.7606% | 5,497 |
| Core capital (leverage) ratio | 8.4243% | 5,492 |
| Tier 1 risk-based capital ratio | 11.6415% | 5,782 |
| Total risk-based capital ratio | 12.6752% | 5,964 |
| Memoranda: | ||
| Average total assets | $184,187,200 | 3,308 |
| Average earning assets | $162,436,000 | 3,405 |
| Average equity | $16,166,200 | 3,729 |
| Average total loans | $136,162,000 | 3,011 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4566% | 2,619 |
| Cost of funding earning assets | 1.2410% | 4,619 |
| Net interest margin | 4.2156% | 2,168 |
| Noninterest income to average assets | 0.9831% | 1,507 |
| Noninterest expense to average assets | 3.5942% | 1,810 |
| Loan and lease loss provision to assets | 0.9182% | 1,646 |
| Net operating income to assets | 0.1271% | 5,701 |
| Return on assets (ROA) | 0.2344% | 5,569 |
| Pretax return on assets | 0.3477% | 5,377 |
| Return on Equity (ROE) | 2.6696% | 5,361 |
| Retained earnings to average equity (ytd only) | 0.0246% | 5,769 |
| Net charge-offs to loans | 1.2480% | 1,631 |
| Credit loss provision to net charge-offs | 99.2206% | 4,397 |
| Earnings coverage of net charge-offs (x) | 1.1949% | 4,870 |
| Efficiency ratio | 76.0129% | 2,949 |
| Assets per employee ($millions) | 2.4518% | 7,131 |
| Cash dividends to net income (ytd only)* | 99.0769% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 6,645 |
| Loan loss allowance to noncurrent loans | 66.7549% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.9680% | 3,512 |
| Noncurrent loans to loans | 1.3922% | 4,533 |
| Net loans and leases to total assets | 72.1407% | 2,225 |
| Net loans and leases to deposits | 79.2484% | 3,589 |
| Net loans and leases to core deposits | 82.3639% | 4,189 |
| Total domestic deposits to total assets | 91.0311% | 442 |
| Equity capital to assets | 8.6206% | 6,130 |
| Core capital (leverage) ratio | 8.5028% | 5,502 |
| Tier 1 risk-based capital ratio | 11.3723% | 6,040 |
| Total risk-based capital ratio | 12.2842% | 6,324 |
| Memoranda: | ||
| Average total assets | $184,849,000 | 3,350 |
| Average earning assets | $162,977,500 | 3,443 |
| Average equity | $16,231,750 | 3,765 |
| Average total loans | $137,072,500 | 3,034 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4683% | 2,659 |
| Cost of funding earning assets | 1.2645% | 4,748 |
| Net interest margin | 4.2038% | 2,145 |
| Noninterest income to average assets | 0.9384% | 1,552 |
| Noninterest expense to average assets | 3.6929% | 1,567 |
| Loan and lease loss provision to assets | 0.3244% | 3,800 |
| Net operating income to assets | 0.4061% | 4,729 |
| Return on assets (ROA) | 0.4068% | 4,886 |
| Pretax return on assets | 0.6227% | 4,497 |
| Return on Equity (ROE) | 4.6046% | 4,489 |
| Retained earnings to average equity (ytd only) | 2.5172% | 4,555 |
| Net charge-offs to loans | 0.0494% | 5,693 |
| Credit loss provision to net charge-offs | 879.4118% | 428 |
| Earnings coverage of net charge-offs (x) | 25.6471% | 1,027 |
| Efficiency ratio | 79.1394% | 2,555 |
| Assets per employee ($millions) | 2.3421% | 7,307 |
| Cash dividends to net income (ytd only)* | 45.3333% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 5,827 |
| Loan loss allowance to noncurrent loans | 33.8624% | 6,116 |
| Noncurrent assets plus other real estate owned to assets | 3.1963% | 2,218 |
| Noncurrent loans to loans | 3.3196% | 2,412 |
| Net loans and leases to total assets | 73.9575% | 1,918 |
| Net loans and leases to deposits | 81.5671% | 3,331 |
| Net loans and leases to core deposits | 86.0423% | 3,825 |
| Total domestic deposits to total assets | 90.6707% | 617 |
| Equity capital to assets | 8.9856% | 5,471 |
| Core capital (leverage) ratio | 8.8207% | 4,880 |
| Tier 1 risk-based capital ratio | 11.5040% | 5,766 |
| Total risk-based capital ratio | 12.6142% | 5,875 |
| Memoranda: | ||
| Average total assets | $184,354,330 | 3,381 |
| Average earning assets | $162,280,670 | 3,476 |
| Average equity | $16,288,000 | 3,756 |
| Average total loans | $137,535,670 | 3,056 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4013% | 3,029 |
| Cost of funding earning assets | 1.3215% | 4,678 |
| Net interest margin | 4.0798% | 2,529 |
| Noninterest income to average assets | 0.8402% | 1,842 |
| Noninterest expense to average assets | 3.5488% | 1,850 |
| Loan and lease loss provision to assets | 0.3046% | 3,604 |
| Net operating income to assets | 0.3766% | 4,943 |
| Return on assets (ROA) | 0.3780% | 5,068 |
| Pretax return on assets | 0.5767% | 4,694 |
| Return on Equity (ROE) | 4.3145% | 4,754 |
| Retained earnings to average equity (ytd only) | 2.6380% | 4,563 |
| Net charge-offs to loans | 0.1102% | 4,325 |
| Credit loss provision to net charge-offs | 371.0526% | 1,100 |
| Earnings coverage of net charge-offs (x) | 10.7105% | 1,718 |
| Efficiency ratio | 79.6585% | 2,623 |
| Assets per employee ($millions) | 2.5015% | 7,190 |
| Cash dividends to net income (ytd only)* | 38.8571% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 6,363 |
| Loan loss allowance to noncurrent loans | 42.5519% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 3.0598% | 2,334 |
| Noncurrent loans to loans | 2.3960% | 3,274 |
| Net loans and leases to total assets | 72.0617% | 2,433 |
| Net loans and leases to deposits | 79.6147% | 3,724 |
| Net loans and leases to core deposits | 83.3559% | 4,288 |
| Total domestic deposits to total assets | 90.5131% | 728 |
| Equity capital to assets | 8.7943% | 5,562 |
| Core capital (leverage) ratio | 8.4467% | 5,473 |
| Tier 1 risk-based capital ratio | 11.4606% | 5,712 |
| Total risk-based capital ratio | 12.8192% | 5,584 |
| Memoranda: | ||
| Average total assets | $185,190,500 | 3,425 |
| Average earning assets | $162,851,000 | 3,512 |
| Average equity | $16,224,500 | 3,794 |
| Average total loans | $137,982,000 | 3,107 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5745% | 3,733 |
| Cost of funding earning assets | 1.8307% | 3,830 |
| Net interest margin | 3.7438% | 3,934 |
| Noninterest income to average assets | 1.1262% | 1,215 |
| Noninterest expense to average assets | 3.7089% | 1,893 |
| Loan and lease loss provision to assets | 0.3262% | 4,858 |
| Net operating income to assets | 0.3150% | 4,475 |
| Return on assets (ROA) | 0.3150% | 4,559 |
| Pretax return on assets | 0.4717% | 4,276 |
| Return on Equity (ROE) | 4.1242% | 4,033 |
| Retained earnings to average equity (ytd only) | 1.6761% | 3,912 |
| Net charge-offs to loans | 0.8217% | 2,769 |
| Credit loss provision to net charge-offs | 50.5350% | 6,738 |
| Earnings coverage of net charge-offs (x) | 1.2362% | 4,886 |
| Efficiency ratio | 81.8128% | 2,630 |
| Assets per employee ($millions) | 2.4378% | 7,302 |
| Cash dividends to net income (ytd only)* | 59.3592% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9002% | 6,809 |
| Loan loss allowance to noncurrent loans | 70.6111% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 2.2891% | 3,022 |
| Noncurrent loans to loans | 1.2748% | 4,797 |
| Net loans and leases to total assets | 75.5248% | 1,914 |
| Net loans and leases to deposits | 83.2909% | 3,403 |
| Net loans and leases to core deposits | 89.3765% | 5,191 |
| Total domestic deposits to total assets | 90.6759% | 669 |
| Equity capital to assets | 8.7277% | 5,552 |
| Core capital (leverage) ratio | 8.5492% | 5,201 |
| Tier 1 risk-based capital ratio | 10.8748% | 6,036 |
| Total risk-based capital ratio | 12.1044% | 6,032 |
| Memoranda: | ||
| Average total assets | $188,251,600 | 3,308 |
| Average earning assets | $169,987,200 | 3,347 |
| Average equity | $14,378,600 | 4,175 |
| Average total loans | $147,858,800 | 2,956 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5479% | 4,171 |
| Cost of funding earning assets | 1.9586% | 3,572 |
| Net interest margin | 3.5893% | 4,519 |
| Noninterest income to average assets | 1.1153% | 1,271 |
| Noninterest expense to average assets | 3.6987% | 1,823 |
| Loan and lease loss provision to assets | 0.2088% | 5,312 |
| Net operating income to assets | 0.3175% | 4,731 |
| Return on assets (ROA) | 0.3175% | 4,838 |
| Pretax return on assets | 0.4748% | 4,595 |
| Return on Equity (ROE) | 4.3069% | 4,247 |
| Retained earnings to average equity (ytd only) | 1.5888% | 4,424 |
| Net charge-offs to loans | 0.1311% | 5,387 |
| Credit loss provision to net charge-offs | 201.3605% | 2,215 |
| Earnings coverage of net charge-offs (x) | 6.5917% | 2,574 |
| Efficiency ratio | 83.9182% | 2,308 |
| Assets per employee ($millions) | 2.3682% | 7,421 |
| Cash dividends to net income (ytd only)* | 63.1111% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 3,966 |
| Loan loss allowance to noncurrent loans | 32.2740% | 6,287 |
| Noncurrent assets plus other real estate owned to assets | 3.8076% | 1,698 |
| Noncurrent loans to loans | 4.3271% | 1,650 |
| Net loans and leases to total assets | 79.2825% | 1,327 |
| Net loans and leases to deposits | 87.7329% | 3,016 |
| Net loans and leases to core deposits | 94.2647% | 4,993 |
| Total domestic deposits to total assets | 90.3680% | 631 |
| Equity capital to assets | 8.9458% | 5,564 |
| Core capital (leverage) ratio | 8.2838% | 5,864 |
| Tier 1 risk-based capital ratio | 10.9326% | 6,008 |
| Total risk-based capital ratio | 12.5352% | 5,591 |
| Memoranda: | ||
| Average total assets | $188,996,250 | 3,323 |
| Average earning assets | $172,026,250 | 3,343 |
| Average equity | $13,930,750 | 4,310 |
| Average total loans | $149,524,000 | 2,961 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5050% | 4,598 |
| Cost of funding earning assets | 2.0464% | 3,540 |
| Net interest margin | 3.4587% | 4,970 |
| Noninterest income to average assets | 1.0417% | 1,460 |
| Noninterest expense to average assets | 3.6604% | 1,918 |
| Loan and lease loss provision to assets | 0.1583% | 5,489 |
| Net operating income to assets | 0.2531% | 5,073 |
| Return on assets (ROA) | 0.2531% | 5,167 |
| Pretax return on assets | 0.3708% | 5,017 |
| Return on Equity (ROE) | 3.6798% | 4,629 |
| Retained earnings to average equity (ytd only) | 0.2877% | 5,102 |
| Net charge-offs to loans | 0.0291% | 6,062 |
| Credit loss provision to net charge-offs | 690.9091% | 679 |
| Earnings coverage of net charge-offs (x) | 23.0909% | 1,197 |
| Efficiency ratio | 86.8722% | 2,134 |
| Assets per employee ($millions) | 2.5416% | 7,170 |
| Cash dividends to net income (ytd only)* | 92.1811% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3391% | 4,043 |
| Loan loss allowance to noncurrent loans | 33.9035% | 6,199 |
| Noncurrent assets plus other real estate owned to assets | 3.4033% | 1,840 |
| Noncurrent loans to loans | 3.9499% | 1,724 |
| Net loans and leases to total assets | 76.3588% | 2,094 |
| Net loans and leases to deposits | 83.7509% | 3,929 |
| Net loans and leases to core deposits | 89.8227% | 5,550 |
| Total domestic deposits to total assets | 91.1738% | 413 |
| Equity capital to assets | 6.8150% | 7,701 |
| Core capital (leverage) ratio | 6.6672% | 7,715 |
| Tier 1 risk-based capital ratio | 8.5461% | 7,841 |
| Total risk-based capital ratio | 11.8274% | 6,256 |
| Memoranda: | ||
| Average total assets | $192,000,670 | 3,322 |
| Average earning assets | $174,748,670 | 3,333 |
| Average equity | $13,207,330 | 4,490 |
| Average total loans | $151,126,670 | 2,960 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4884% | 4,975 |
| Cost of funding earning assets | 2.1457% | 3,434 |
| Net interest margin | 3.3427% | 5,355 |
| Noninterest income to average assets | 1.0386% | 1,378 |
| Noninterest expense to average assets | 3.5503% | 1,970 |
| Loan and lease loss provision to assets | 0.1609% | 4,876 |
| Net operating income to assets | 0.2508% | 5,483 |
| Return on assets (ROA) | 0.2508% | 5,647 |
| Pretax return on assets | 0.3678% | 5,488 |
| Return on Equity (ROE) | 3.6284% | 5,119 |
| Retained earnings to average equity (ytd only) | 0.1209% | 5,612 |
| Net charge-offs to loans | 0.0237% | 5,225 |
| Credit loss provision to net charge-offs | 855.5556% | 715 |
| Earnings coverage of net charge-offs (x) | 28.1111% | 1,113 |
| Efficiency ratio | 86.5266% | 2,013 |
| Assets per employee ($millions) | 2.4625% | 7,353 |
| Cash dividends to net income (ytd only)* | 96.6667% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 4,103 |
| Loan loss allowance to noncurrent loans | 54.0541% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 2.4579% | 2,331 |
| Noncurrent loans to loans | 2.3969% | 2,753 |
| Net loans and leases to total assets | 76.9437% | 2,050 |
| Net loans and leases to deposits | 84.3764% | 3,914 |
| Net loans and leases to core deposits | 89.9120% | 5,560 |
| Total domestic deposits to total assets | 91.1911% | 356 |
| Equity capital to assets | 6.8732% | 7,736 |
| Core capital (leverage) ratio | 6.5792% | 7,847 |
| Tier 1 risk-based capital ratio | 8.4137% | 7,957 |
| Total risk-based capital ratio | 11.6666% | 6,389 |
| Memoranda: | ||
| Average total assets | $191,419,500 | 3,344 |
| Average earning assets | $174,112,000 | 3,364 |
| Average equity | $13,229,000 | 4,528 |
| Average total loans | $151,940,500 | 2,973 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6507% | 2,242 |
| Cost of funding earning assets | 2.7530% | 2,910 |
| Net interest margin | 3.8977% | 3,574 |
| Noninterest income to average assets | 0.9271% | 1,869 |
| Noninterest expense to average assets | 3.6255% | 2,087 |
| Loan and lease loss provision to assets | 0.1399% | 5,566 |
| Net operating income to assets | 0.3830% | 5,218 |
| Return on assets (ROA) | 0.3830% | 5,031 |
| Pretax return on assets | 0.6411% | 4,570 |
| Return on Equity (ROE) | 5.2258% | 4,272 |
| Retained earnings to average equity (ytd only) | 1.4529% | 4,348 |
| Net charge-offs to loans | 0.1135% | 5,129 |
| Credit loss provision to net charge-offs | 145.9302% | 3,616 |
| Earnings coverage of net charge-offs (x) | 8.1453% | 2,931 |
| Efficiency ratio | 79.3143% | 2,705 |
| Assets per employee ($millions) | 2.4774% | 7,243 |
| Cash dividends to net income (ytd only)* | 72.1980% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 4,426 |
| Loan loss allowance to noncurrent loans | 105.5838% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 1.5234% | 3,169 |
| Noncurrent loans to loans | 1.1502% | 4,237 |
| Net loans and leases to total assets | 79.8261% | 1,700 |
| Net loans and leases to deposits | 90.2147% | 3,418 |
| Net loans and leases to core deposits | 95.6538% | 5,284 |
| Total domestic deposits to total assets | 88.4845% | 1,260 |
| Equity capital to assets | 6.9490% | 7,760 |
| Core capital (leverage) ratio | 6.6803% | 7,866 |
| Tier 1 risk-based capital ratio | 8.0602% | 8,078 |
| Total risk-based capital ratio | 11.1793% | 6,698 |
| Memoranda: | ||
| Average total assets | $179,367,400 | 3,412 |
| Average earning assets | $160,118,800 | 3,472 |
| Average equity | $13,146,200 | 4,533 |
| Average total loans | $151,518,400 | 2,899 |