Home > Capital Bank > Performance and Condition Ratios
Capital Bank, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1478% | 460 |
| Cost of funding earning assets | 0.6339% | 1,340 |
| Net interest margin | 4.5139% | 583 |
| Noninterest income to average assets | 0.5438% | 2,756 |
| Noninterest expense to average assets | 2.7809% | 2,795 |
| Loan and lease loss provision to assets | 0.2648% | 630 |
| Net operating income to assets | 2.1452% | 241 |
| Return on assets (ROA) | 2.1421% | 245 |
| Pretax return on assets | 1.8428% | 800 |
| Return on Equity (ROE) | 22.0320% | 139 |
| Retained earnings to average equity (ytd only) | 22.0320% | 39 |
| Net charge-offs to loans | 0.1670% | 1,241 |
| Credit loss provision to net charge-offs | 193.2258% | 1,380 |
| Earnings coverage of net charge-offs (x) | 15.4001% | 2,229 |
| Efficiency ratio | 56.8510% | 4,629 |
| Assets per employee ($millions) | 8.7922% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 2,351 |
| Loan loss allowance to noncurrent loans | 1,277.8626% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0903% | 4,786 |
| Noncurrent loans to loans | 0.1018% | 4,655 |
| Net loans and leases to total assets | 87.5592% | 170 |
| Net loans and leases to deposits | 105.2072% | 446 |
| Net loans and leases to core deposits | 105.8287% | 1,284 |
| Total domestic deposits to total assets | 83.2255% | 3,385 |
| Equity capital to assets | 11.4923% | 2,382 |
| Core capital (leverage) ratio | 10.9379% | 2,516 |
| Tier 1 risk-based capital ratio | 11.5844% | 4,895 |
| Total risk-based capital ratio | 12.7711% | 4,841 |
| Memoranda: | ||
| Average total assets | $301,570,500 | 2,176 |
| Average earning assets | $290,472,500 | 2,108 |
| Average equity | $29,320,250 | 2,423 |
| Average total loans | $247,490,000 | 1,837 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9794% | 579 |
| Cost of funding earning assets | 0.5904% | 1,510 |
| Net interest margin | 4.3890% | 717 |
| Noninterest income to average assets | 0.5567% | 2,674 |
| Noninterest expense to average assets | 2.5313% | 3,653 |
| Loan and lease loss provision to assets | 0.1513% | 1,334 |
| Net operating income to assets | 1.2293% | 1,507 |
| Return on assets (ROA) | 1.2293% | 1,541 |
| Pretax return on assets | 2.1102% | 432 |
| Return on Equity (ROE) | 13.4172% | 944 |
| Retained earnings to average equity (ytd only) | 13.4172% | 226 |
| Net charge-offs to loans | -0.0008% | 4,130 |
| Credit loss provision to net charge-offs | -23,100.0000% | 5,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8150% | 5,108 |
| Assets per employee ($millions) | 8.4821% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 2,399 |
| Loan loss allowance to noncurrent loans | 2,455.9701% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 5,063 |
| Noncurrent loans to loans | 0.0530% | 4,922 |
| Net loans and leases to total assets | 81.6719% | 714 |
| Net loans and leases to deposits | 96.0071% | 1,082 |
| Net loans and leases to core deposits | 96.6283% | 1,917 |
| Total domestic deposits to total assets | 85.0686% | 2,781 |
| Equity capital to assets | 9.5787% | 4,338 |
| Core capital (leverage) ratio | 9.5177% | 4,118 |
| Tier 1 risk-based capital ratio | 10.6316% | 5,409 |
| Total risk-based capital ratio | 11.8540% | 5,348 |
| Memoranda: | ||
| Average total assets | $305,380,000 | 2,163 |
| Average earning assets | $294,736,330 | 2,090 |
| Average equity | $27,979,000 | 2,507 |
| Average total loans | $244,188,670 | 1,860 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8648% | 670 |
| Cost of funding earning assets | 0.5718% | 1,566 |
| Net interest margin | 4.2931% | 802 |
| Noninterest income to average assets | 0.6837% | 2,028 |
| Noninterest expense to average assets | 2.5606% | 3,622 |
| Loan and lease loss provision to assets | 0.1794% | 969 |
| Net operating income to assets | 1.2155% | 1,473 |
| Return on assets (ROA) | 1.2155% | 1,508 |
| Pretax return on assets | 2.0839% | 425 |
| Return on Equity (ROE) | 13.5752% | 887 |
| Retained earnings to average equity (ytd only) | 13.5752% | 326 |
| Net charge-offs to loans | -0.0017% | 3,994 |
| Credit loss provision to net charge-offs | -13,700.0000% | 4,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0817% | 5,197 |
| Assets per employee ($millions) | 8.4771% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 2,540 |
| Loan loss allowance to noncurrent loans | 6,148.0769% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 5,281 |
| Noncurrent loans to loans | 0.0211% | 5,137 |
| Net loans and leases to total assets | 79.5619% | 893 |
| Net loans and leases to deposits | 89.7346% | 1,569 |
| Net loans and leases to core deposits | 90.2909% | 2,328 |
| Total domestic deposits to total assets | 88.6636% | 1,339 |
| Equity capital to assets | 9.1210% | 4,688 |
| Core capital (leverage) ratio | 9.1486% | 4,544 |
| Tier 1 risk-based capital ratio | 10.5987% | 5,501 |
| Total risk-based capital ratio | 11.8438% | 5,421 |
| Memoranda: | ||
| Average total assets | $305,392,000 | 2,175 |
| Average earning assets | $294,521,500 | 2,106 |
| Average equity | $27,344,000 | 2,556 |
| Average total loans | $239,942,500 | 1,891 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9755% | 623 |
| Cost of funding earning assets | 0.5221% | 1,926 |
| Net interest margin | 4.4533% | 678 |
| Noninterest income to average assets | 0.3067% | 4,547 |
| Noninterest expense to average assets | 2.5836% | 3,733 |
| Loan and lease loss provision to assets | 0.1210% | 2,041 |
| Net operating income to assets | 1.1000% | 1,905 |
| Return on assets (ROA) | 1.1000% | 1,992 |
| Pretax return on assets | 1.9023% | 618 |
| Return on Equity (ROE) | 11.8560% | 1,287 |
| Retained earnings to average equity (ytd only) | 11.5541% | 249 |
| Net charge-offs to loans | 0.0014% | 4,233 |
| Credit loss provision to net charge-offs | 11,666.6667% | 36 |
| Earnings coverage of net charge-offs (x) | 1,950.3333% | 25 |
| Efficiency ratio | 56.0802% | 5,064 |
| Assets per employee ($millions) | 8.9885% | 424 |
| Cash dividends to net income (ytd only)* | 2.5464% | 4,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 2,500 |
| Loan loss allowance to noncurrent loans | 5,882.6923% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 5,325 |
| Noncurrent loans to loans | 0.0222% | 5,181 |
| Net loans and leases to total assets | 75.5298% | 1,598 |
| Net loans and leases to deposits | 84.5659% | 2,351 |
| Net loans and leases to core deposits | 85.0849% | 2,922 |
| Total domestic deposits to total assets | 89.3148% | 947 |
| Equity capital to assets | 8.7867% | 5,030 |
| Core capital (leverage) ratio | 8.8192% | 4,947 |
| Tier 1 risk-based capital ratio | 10.8137% | 5,427 |
| Total risk-based capital ratio | 12.0638% | 5,330 |
| Memoranda: | ||
| Average total assets | $289,170,200 | 2,229 |
| Average earning assets | $279,231,000 | 2,160 |
| Average equity | $26,830,400 | 2,581 |
| Average total loans | $217,887,800 | 1,984 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9535% | 651 |
| Cost of funding earning assets | 0.5100% | 2,017 |
| Net interest margin | 4.4435% | 712 |
| Noninterest income to average assets | 0.3358% | 4,381 |
| Noninterest expense to average assets | 2.7325% | 3,245 |
| Loan and lease loss provision to assets | 0.1403% | 1,672 |
| Net operating income to assets | 1.0112% | 2,379 |
| Return on assets (ROA) | 1.0112% | 2,515 |
| Pretax return on assets | 1.7544% | 987 |
| Return on Equity (ROE) | 10.7460% | 1,766 |
| Retained earnings to average equity (ytd only) | 10.3434% | 508 |
| Net charge-offs to loans | 0.0019% | 3,870 |
| Credit loss provision to net charge-offs | 10,000.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 1,350.3000% | 45 |
| Efficiency ratio | 59.0519% | 4,682 |
| Assets per employee ($millions) | 8.3568% | 510 |
| Cash dividends to net income (ytd only)* | 3.7466% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 2,636 |
| Loan loss allowance to noncurrent loans | 5,786.5385% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 5,445 |
| Noncurrent loans to loans | 0.0226% | 5,296 |
| Net loans and leases to total assets | 77.5168% | 1,282 |
| Net loans and leases to deposits | 88.8652% | 1,911 |
| Net loans and leases to core deposits | 89.4482% | 2,630 |
| Total domestic deposits to total assets | 87.2296% | 1,787 |
| Equity capital to assets | 8.7576% | 5,357 |
| Core capital (leverage) ratio | 9.0693% | 4,754 |
| Tier 1 risk-based capital ratio | 10.4258% | 5,645 |
| Total risk-based capital ratio | 11.6750% | 5,575 |
| Memoranda: | ||
| Average total assets | $285,060,500 | 2,255 |
| Average earning assets | $275,301,000 | 2,187 |
| Average equity | $26,824,750 | 2,597 |
| Average total loans | $213,888,500 | 2,020 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9023% | 720 |
| Cost of funding earning assets | 0.4925% | 2,165 |
| Net interest margin | 4.4098% | 750 |
| Noninterest income to average assets | 0.3567% | 4,218 |
| Noninterest expense to average assets | 2.7057% | 3,374 |
| Loan and lease loss provision to assets | 0.1769% | 1,237 |
| Net operating income to assets | 1.0022% | 2,390 |
| Return on assets (ROA) | 1.0022% | 2,522 |
| Pretax return on assets | 1.7326% | 1,019 |
| Return on Equity (ROE) | 10.4011% | 1,887 |
| Retained earnings to average equity (ytd only) | 9.8061% | 639 |
| Net charge-offs to loans | -0.0019% | 4,372 |
| Credit loss provision to net charge-offs | -12,500.0000% | 5,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6260% | 4,823 |
| Assets per employee ($millions) | 7.4979% | 700 |
| Cash dividends to net income (ytd only)* | 5.7203% | 3,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 2,465 |
| Loan loss allowance to noncurrent loans | 5,700.0000% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 5,521 |
| Noncurrent loans to loans | 0.0240% | 5,376 |
| Net loans and leases to total assets | 79.3369% | 1,012 |
| Net loans and leases to deposits | 89.0185% | 1,866 |
| Net loans and leases to core deposits | 89.6374% | 2,573 |
| Total domestic deposits to total assets | 89.1240% | 866 |
| Equity capital to assets | 10.3588% | 3,779 |
| Core capital (leverage) ratio | 10.3424% | 3,142 |
| Tier 1 risk-based capital ratio | 12.1236% | 4,758 |
| Total risk-based capital ratio | 13.3745% | 4,671 |
| Memoranda: | ||
| Average total assets | $282,584,330 | 2,287 |
| Average earning assets | $272,890,670 | 2,219 |
| Average equity | $27,228,000 | 2,579 |
| Average total loans | $208,605,670 | 2,067 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6313% | 1,181 |
| Cost of funding earning assets | 0.4613% | 2,452 |
| Net interest margin | 4.1701% | 1,171 |
| Noninterest income to average assets | 0.4292% | 3,624 |
| Noninterest expense to average assets | 2.5378% | 3,952 |
| Loan and lease loss provision to assets | 0.2769% | 600 |
| Net operating income to assets | 0.9511% | 2,505 |
| Return on assets (ROA) | 0.9511% | 2,623 |
| Pretax return on assets | 1.6448% | 1,195 |
| Return on Equity (ROE) | 10.2303% | 1,886 |
| Retained earnings to average equity (ytd only) | 10.0665% | 833 |
| Net charge-offs to loans | -0.0039% | 4,227 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9078% | 5,104 |
| Assets per employee ($millions) | 8.3108% | 507 |
| Cash dividends to net income (ytd only)* | 1.6012% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 2,541 |
| Loan loss allowance to noncurrent loans | 5,603.8462% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 5,575 |
| Noncurrent loans to loans | 0.0245% | 5,398 |
| Net loans and leases to total assets | 71.8723% | 2,061 |
| Net loans and leases to deposits | 88.0482% | 1,822 |
| Net loans and leases to core deposits | 88.6678% | 2,493 |
| Total domestic deposits to total assets | 81.6283% | 4,321 |
| Equity capital to assets | 9.3562% | 4,830 |
| Core capital (leverage) ratio | 10.1427% | 3,376 |
| Tier 1 risk-based capital ratio | 12.1277% | 4,829 |
| Total risk-based capital ratio | 13.3787% | 4,732 |
| Memoranda: | ||
| Average total assets | $288,914,000 | 2,254 |
| Average earning assets | $279,228,000 | 2,188 |
| Average equity | $26,861,500 | 2,605 |
| Average total loans | $204,351,500 | 2,103 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6044% | 1,322 |
| Cost of funding earning assets | 0.4968% | 2,181 |
| Net interest margin | 4.1075% | 1,396 |
| Noninterest income to average assets | 0.6934% | 2,236 |
| Noninterest expense to average assets | 2.6812% | 3,648 |
| Loan and lease loss provision to assets | 0.0336% | 3,681 |
| Net operating income to assets | 1.1249% | 1,818 |
| Return on assets (ROA) | 1.1249% | 1,885 |
| Pretax return on assets | 1.9467% | 605 |
| Return on Equity (ROE) | 12.0875% | 1,280 |
| Retained earnings to average equity (ytd only) | 11.9632% | 252 |
| Net charge-offs to loans | 0.0238% | 3,784 |
| Credit loss provision to net charge-offs | 204.5455% | 1,365 |
| Earnings coverage of net charge-offs (x) | 120.5909% | 501 |
| Efficiency ratio | 57.5180% | 5,193 |
| Assets per employee ($millions) | 8.4397% | 474 |
| Cash dividends to net income (ytd only)* | 1.0285% | 4,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3785% | 2,520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 67.6133% | 2,770 |
| Net loans and leases to deposits | 82.6132% | 2,522 |
| Net loans and leases to core deposits | 83.1998% | 3,032 |
| Total domestic deposits to total assets | 81.8432% | 4,204 |
| Equity capital to assets | 9.2378% | 4,859 |
| Core capital (leverage) ratio | 9.9734% | 3,547 |
| Tier 1 risk-based capital ratio | 12.7014% | 4,507 |
| Total risk-based capital ratio | 13.9521% | 4,410 |
| Memoranda: | ||
| Average total assets | $267,936,600 | 2,360 |
| Average earning assets | $258,841,400 | 2,272 |
| Average equity | $24,934,800 | 2,698 |
| Average total loans | $185,210,000 | 2,192 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6572% | 1,190 |
| Cost of funding earning assets | 0.5014% | 2,195 |
| Net interest margin | 4.1558% | 1,265 |
| Noninterest income to average assets | 0.7933% | 1,825 |
| Noninterest expense to average assets | 2.7438% | 3,411 |
| Loan and lease loss provision to assets | 0.0456% | 3,293 |
| Net operating income to assets | 1.1652% | 1,776 |
| Return on assets (ROA) | 1.1652% | 1,845 |
| Pretax return on assets | 2.0178% | 580 |
| Return on Equity (ROE) | 12.4955% | 1,240 |
| Retained earnings to average equity (ytd only) | 12.3706% | 328 |
| Net charge-offs to loans | 0.0388% | 3,114 |
| Credit loss provision to net charge-offs | 169.8113% | 1,532 |
| Earnings coverage of net charge-offs (x) | 76.8544% | 766 |
| Efficiency ratio | 57.0766% | 5,217 |
| Assets per employee ($millions) | 8.2446% | 485 |
| Cash dividends to net income (ytd only)* | 1.0001% | 3,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4385% | 2,416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 66.0703% | 2,996 |
| Net loans and leases to deposits | 79.5175% | 2,933 |
| Net loans and leases to core deposits | 79.9997% | 3,427 |
| Total domestic deposits to total assets | 83.0890% | 3,785 |
| Equity capital to assets | 9.1954% | 5,119 |
| Core capital (leverage) ratio | 10.0388% | 3,567 |
| Tier 1 risk-based capital ratio | 13.1669% | 4,340 |
| Total risk-based capital ratio | 14.4190% | 4,260 |
| Memoranda: | ||
| Average total assets | $263,183,000 | 2,416 |
| Average earning assets | $254,195,250 | 2,324 |
| Average equity | $24,541,500 | 2,751 |
| Average total loans | $182,330,250 | 2,226 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6753% | 1,122 |
| Cost of funding earning assets | 0.5110% | 2,156 |
| Net interest margin | 4.1643% | 1,190 |
| Noninterest income to average assets | 0.6206% | 2,627 |
| Noninterest expense to average assets | 2.7001% | 3,594 |
| Loan and lease loss provision to assets | 0.0699% | 2,708 |
| Net operating income to assets | 1.0821% | 2,007 |
| Return on assets (ROA) | 1.0821% | 2,111 |
| Pretax return on assets | 1.8767% | 769 |
| Return on Equity (ROE) | 11.5458% | 1,512 |
| Retained earnings to average equity (ytd only) | 11.4215% | 454 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1077% | 5,211 |
| Assets per employee ($millions) | 7.9794% | 525 |
| Cash dividends to net income (ytd only)* | 1.0768% | 3,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5161% | 2,223 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 67.9866% | 2,646 |
| Net loans and leases to deposits | 78.7766% | 2,928 |
| Net loans and leases to core deposits | 79.3545% | 3,459 |
| Total domestic deposits to total assets | 86.3030% | 2,527 |
| Equity capital to assets | 9.4356% | 4,729 |
| Core capital (leverage) ratio | 9.9005% | 3,740 |
| Tier 1 risk-based capital ratio | 12.8940% | 4,578 |
| Total risk-based capital ratio | 14.1465% | 4,494 |
| Memoranda: | ||
| Average total assets | $257,472,330 | 2,475 |
| Average earning assets | $248,926,330 | 2,376 |
| Average equity | $24,130,000 | 2,796 |
| Average total loans | $180,471,000 | 2,256 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6305% | 1,163 |
| Cost of funding earning assets | 0.5103% | 2,199 |
| Net interest margin | 4.1201% | 1,227 |
| Noninterest income to average assets | 0.5186% | 3,161 |
| Noninterest expense to average assets | 2.4483% | 4,453 |
| Loan and lease loss provision to assets | 0.1414% | 1,449 |
| Net operating income to assets | 1.1031% | 1,862 |
| Return on assets (ROA) | 1.1031% | 1,965 |
| Pretax return on assets | 1.9124% | 701 |
| Return on Equity (ROE) | 11.8122% | 1,396 |
| Retained earnings to average equity (ytd only) | 11.6776% | 615 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3805% | 5,647 |
| Assets per employee ($millions) | 8.0194% | 542 |
| Cash dividends to net income (ytd only)* | 1.1396% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5163% | 2,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 69.7547% | 2,174 |
| Net loans and leases to deposits | 80.8877% | 2,461 |
| Net loans and leases to core deposits | 81.4964% | 3,007 |
| Total domestic deposits to total assets | 86.2366% | 2,808 |
| Equity capital to assets | 9.4158% | 4,844 |
| Core capital (leverage) ratio | 9.6494% | 4,078 |
| Tier 1 risk-based capital ratio | 12.7658% | 4,746 |
| Total risk-based capital ratio | 14.0190% | 4,660 |
| Memoranda: | ||
| Average total assets | $254,548,000 | 2,516 |
| Average earning assets | $246,109,000 | 2,413 |
| Average equity | $23,772,000 | 2,857 |
| Average total loans | $179,817,000 | 2,275 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3504% | 413 |
| Cost of funding earning assets | 0.4711% | 2,970 |
| Net interest margin | 4.8793% | 370 |
| Noninterest income to average assets | 0.9684% | 1,294 |
| Noninterest expense to average assets | 3.0961% | 2,528 |
| Loan and lease loss provision to assets | 0.1692% | 1,541 |
| Net operating income to assets | 1.3927% | 1,097 |
| Return on assets (ROA) | 1.3936% | 1,127 |
| Pretax return on assets | 2.4090% | 226 |
| Return on Equity (ROE) | 13.8604% | 955 |
| Retained earnings to average equity (ytd only) | 13.7182% | 193 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5765% | 5,800 |
| Assets per employee ($millions) | 8.1443% | 513 |
| Cash dividends to net income (ytd only)* | 1.0258% | 4,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 2,482 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 69.3957% | 2,325 |
| Net loans and leases to deposits | 83.3144% | 2,293 |
| Net loans and leases to core deposits | 83.9737% | 2,903 |
| Total domestic deposits to total assets | 83.2937% | 3,981 |
| Equity capital to assets | 9.2608% | 4,995 |
| Core capital (leverage) ratio | 9.9818% | 3,592 |
| Tier 1 risk-based capital ratio | 13.4342% | 4,452 |
| Total risk-based capital ratio | 14.6881% | 4,386 |
| Memoranda: | ||
| Average total assets | $216,856,000 | 2,815 |
| Average earning assets | $209,085,600 | 2,719 |
| Average equity | $21,803,200 | 2,972 |
| Average total loans | $167,697,400 | 2,343 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4975% | 319 |
| Cost of funding earning assets | 0.4529% | 3,211 |
| Net interest margin | 5.0447% | 273 |
| Noninterest income to average assets | 1.1092% | 989 |
| Noninterest expense to average assets | 3.2924% | 1,916 |
| Loan and lease loss provision to assets | 0.1872% | 1,299 |
| Net operating income to assets | 1.4401% | 1,050 |
| Return on assets (ROA) | 1.4413% | 1,085 |
| Pretax return on assets | 2.4883% | 214 |
| Return on Equity (ROE) | 14.0002% | 984 |
| Retained earnings to average equity (ytd only) | 13.8569% | 261 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1854% | 5,727 |
| Assets per employee ($millions) | 7.7876% | 565 |
| Cash dividends to net income (ytd only)* | 1.0233% | 3,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 2,711 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 70.4880% | 2,115 |
| Net loans and leases to deposits | 86.2979% | 1,876 |
| Net loans and leases to core deposits | 86.6715% | 2,586 |
| Total domestic deposits to total assets | 81.6798% | 4,596 |
| Equity capital to assets | 9.3556% | 4,970 |
| Core capital (leverage) ratio | 10.5691% | 2,958 |
| Tier 1 risk-based capital ratio | 13.1900% | 4,736 |
| Total risk-based capital ratio | 14.4432% | 4,670 |
| Memoranda: | ||
| Average total assets | $207,951,500 | 2,922 |
| Average earning assets | $200,205,500 | 2,825 |
| Average equity | $21,408,750 | 3,012 |
| Average total loans | $165,153,750 | 2,393 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6466% | 244 |
| Cost of funding earning assets | 0.4516% | 3,313 |
| Net interest margin | 5.1950% | 206 |
| Noninterest income to average assets | 1.1433% | 903 |
| Noninterest expense to average assets | 3.3497% | 1,802 |
| Loan and lease loss provision to assets | 0.2886% | 693 |
| Net operating income to assets | 1.4442% | 973 |
| Return on assets (ROA) | 1.4462% | 1,011 |
| Pretax return on assets | 2.5000% | 208 |
| Return on Equity (ROE) | 13.5419% | 1,046 |
| Retained earnings to average equity (ytd only) | 13.3896% | 302 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5967% | 5,860 |
| Assets per employee ($millions) | 6.9310% | 825 |
| Cash dividends to net income (ytd only)* | 1.1244% | 3,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 2,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 81.6150% | 503 |
| Net loans and leases to deposits | 102.8965% | 404 |
| Net loans and leases to core deposits | 103.9885% | 1,019 |
| Total domestic deposits to total assets | 79.3176% | 5,383 |
| Equity capital to assets | 10.4627% | 3,486 |
| Core capital (leverage) ratio | 10.6357% | 2,778 |
| Tier 1 risk-based capital ratio | 12.6492% | 5,123 |
| Total risk-based capital ratio | 13.9025% | 5,058 |
| Memoranda: | ||
| Average total assets | $196,796,330 | 3,072 |
| Average earning assets | $189,105,000 | 2,965 |
| Average equity | $21,016,330 | 3,050 |
| Average total loans | $162,618,000 | 2,419 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5926% | 258 |
| Cost of funding earning assets | 0.4424% | 3,510 |
| Net interest margin | 5.1502% | 205 |
| Noninterest income to average assets | 1.1463% | 849 |
| Noninterest expense to average assets | 3.2401% | 2,101 |
| Loan and lease loss provision to assets | 0.3179% | 582 |
| Net operating income to assets | 1.4642% | 869 |
| Return on assets (ROA) | 1.4642% | 898 |
| Pretax return on assets | 2.5310% | 212 |
| Return on Equity (ROE) | 13.5613% | 1,020 |
| Retained earnings to average equity (ytd only) | 13.4063% | 441 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2120% | 6,071 |
| Assets per employee ($millions) | 7.4673% | 643 |
| Cash dividends to net income (ytd only)* | 1.1429% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5074% | 3,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 79.4314% | 612 |
| Net loans and leases to deposits | 100.5027% | 420 |
| Net loans and leases to core deposits | 101.6051% | 1,009 |
| Total domestic deposits to total assets | 79.0341% | 5,680 |
| Equity capital to assets | 10.4197% | 3,329 |
| Core capital (leverage) ratio | 11.2916% | 2,145 |
| Tier 1 risk-based capital ratio | 12.9728% | 5,020 |
| Total risk-based capital ratio | 14.2263% | 4,948 |
| Memoranda: | ||
| Average total assets | $191,229,500 | 3,150 |
| Average earning assets | $183,528,500 | 3,055 |
| Average equity | $20,647,000 | 3,103 |
| Average total loans | $157,784,500 | 2,490 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7372% | 256 |
| Cost of funding earning assets | 0.4983% | 3,634 |
| Net interest margin | 5.2389% | 204 |
| Noninterest income to average assets | 1.3844% | 731 |
| Noninterest expense to average assets | 3.5429% | 1,563 |
| Loan and lease loss provision to assets | 0.6632% | 357 |
| Net operating income to assets | 1.2759% | 1,315 |
| Return on assets (ROA) | 1.2759% | 1,367 |
| Pretax return on assets | 2.2246% | 303 |
| Return on Equity (ROE) | 10.9300% | 1,789 |
| Retained earnings to average equity (ytd only) | 10.7645% | 453 |
| Net charge-offs to loans | 0.0775% | 4,131 |
| Credit loss provision to net charge-offs | 1,085.7143% | 234 |
| Earnings coverage of net charge-offs (x) | 47.2755% | 831 |
| Efficiency ratio | 55.0935% | 6,039 |
| Assets per employee ($millions) | 6.4586% | 1,004 |
| Cash dividends to net income (ytd only)* | 1.5144% | 4,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 3,173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 83.3168% | 302 |
| Net loans and leases to deposits | 100.5640% | 455 |
| Net loans and leases to core deposits | 102.2726% | 1,005 |
| Total domestic deposits to total assets | 82.8496% | 4,591 |
| Equity capital to assets | 11.2176% | 2,415 |
| Core capital (leverage) ratio | 11.5778% | 1,904 |
| Tier 1 risk-based capital ratio | 13.4150% | 4,710 |
| Total risk-based capital ratio | 14.6686% | 4,656 |
| Memoranda: | ||
| Average total assets | $160,435,400 | 3,556 |
| Average earning assets | $154,535,000 | 3,423 |
| Average equity | $18,728,200 | 3,308 |
| Average total loans | $126,483,400 | 2,908 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6529% | 294 |
| Cost of funding earning assets | 0.5027% | 3,742 |
| Net interest margin | 5.1502% | 234 |
| Noninterest income to average assets | 1.5545% | 608 |
| Noninterest expense to average assets | 3.7518% | 1,161 |
| Loan and lease loss provision to assets | 0.7802% | 254 |
| Net operating income to assets | 1.1373% | 1,861 |
| Return on assets (ROA) | 1.1373% | 1,933 |
| Pretax return on assets | 1.9914% | 584 |
| Return on Equity (ROE) | 9.6333% | 2,334 |
| Retained earnings to average equity (ytd only) | 9.4661% | 916 |
| Net charge-offs to loans | 0.1090% | 3,447 |
| Credit loss provision to net charge-offs | 927.5510% | 331 |
| Earnings coverage of net charge-offs (x) | 32.9499% | 1,154 |
| Efficiency ratio | 57.5132% | 5,746 |
| Assets per employee ($millions) | 6.6765% | 860 |
| Cash dividends to net income (ytd only)* | 1.7361% | 3,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 3,468 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 81.2887% | 424 |
| Net loans and leases to deposits | 92.5815% | 937 |
| Net loans and leases to core deposits | 94.4764% | 1,530 |
| Total domestic deposits to total assets | 87.8023% | 2,246 |
| Equity capital to assets | 11.2754% | 2,491 |
| Core capital (leverage) ratio | 11.8392% | 1,784 |
| Tier 1 risk-based capital ratio | 14.0970% | 4,358 |
| Total risk-based capital ratio | 15.3506% | 4,303 |
| Memoranda: | ||
| Average total assets | $155,334,000 | 3,661 |
| Average earning assets | $149,867,500 | 3,535 |
| Average equity | $18,338,750 | 3,395 |
| Average total loans | $119,861,750 | 3,062 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4743% | 391 |
| Cost of funding earning assets | 0.5157% | 3,744 |
| Net interest margin | 4.9586% | 331 |
| Noninterest income to average assets | 1.9390% | 467 |
| Noninterest expense to average assets | 4.0737% | 798 |
| Loan and lease loss provision to assets | 0.7035% | 330 |
| Net operating income to assets | 1.1122% | 1,883 |
| Return on assets (ROA) | 1.1122% | 2,003 |
| Pretax return on assets | 1.9551% | 659 |
| Return on Equity (ROE) | 9.2596% | 2,514 |
| Retained earnings to average equity (ytd only) | 9.0811% | 1,095 |
| Net charge-offs to loans | -0.0982% | 6,501 |
| Credit loss provision to net charge-offs | -954.5455% | 6,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5096% | 5,401 |
| Assets per employee ($millions) | 6.2760% | 1,030 |
| Cash dividends to net income (ytd only)* | 1.9277% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5291% | 3,448 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 78.5601% | 688 |
| Net loans and leases to deposits | 90.0273% | 1,143 |
| Net loans and leases to core deposits | 92.2522% | 1,682 |
| Total domestic deposits to total assets | 87.2625% | 2,683 |
| Equity capital to assets | 11.8395% | 2,016 |
| Core capital (leverage) ratio | 12.1491% | 1,536 |
| Tier 1 risk-based capital ratio | 15.5092% | 3,475 |
| Total risk-based capital ratio | 16.7636% | 3,427 |
| Memoranda: | ||
| Average total assets | $149,248,670 | 3,790 |
| Average earning assets | $144,273,330 | 3,658 |
| Average equity | $17,927,330 | 3,499 |
| Average total loans | $112,064,670 | 3,228 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1881% | 614 |
| Cost of funding earning assets | 0.5239% | 3,850 |
| Net interest margin | 4.6642% | 507 |
| Noninterest income to average assets | 2.0134% | 431 |
| Noninterest expense to average assets | 3.9058% | 993 |
| Loan and lease loss provision to assets | 0.9352% | 203 |
| Net operating income to assets | 0.9600% | 2,401 |
| Return on assets (ROA) | 0.9600% | 2,532 |
| Pretax return on assets | 1.7026% | 1,069 |
| Return on Equity (ROE) | 7.9305% | 3,015 |
| Retained earnings to average equity (ytd only) | 7.7487% | 1,842 |
| Net charge-offs to loans | -0.2123% | 6,696 |
| Credit loss provision to net charge-offs | -607.1429% | 5,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6889% | 5,630 |
| Assets per employee ($millions) | 5.9458% | 1,290 |
| Cash dividends to net income (ytd only)* | 2.2923% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5184% | 3,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 75.4420% | 907 |
| Net loans and leases to deposits | 86.3519% | 1,315 |
| Net loans and leases to core deposits | 88.7886% | 1,829 |
| Total domestic deposits to total assets | 87.3658% | 2,714 |
| Equity capital to assets | 11.9837% | 2,059 |
| Core capital (leverage) ratio | 12.4426% | 1,359 |
| Tier 1 risk-based capital ratio | 16.6834% | 2,913 |
| Total risk-based capital ratio | 17.8930% | 2,899 |
| Memoranda: | ||
| Average total assets | $145,423,500 | 3,888 |
| Average earning assets | $141,245,000 | 3,744 |
| Average equity | $17,603,000 | 3,579 |
| Average total loans | $105,510,000 | 3,390 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7718% | 2,313 |
| Cost of funding earning assets | 0.6289% | 4,107 |
| Net interest margin | 4.1429% | 1,847 |
| Noninterest income to average assets | 1.5406% | 664 |
| Noninterest expense to average assets | 3.6516% | 1,501 |
| Loan and lease loss provision to assets | 0.3580% | 1,865 |
| Net operating income to assets | 0.8663% | 2,976 |
| Return on assets (ROA) | 0.8663% | 3,218 |
| Pretax return on assets | 1.5477% | 1,528 |
| Return on Equity (ROE) | 6.9658% | 3,659 |
| Retained earnings to average equity (ytd only) | 6.7001% | 1,718 |
| Net charge-offs to loans | 0.1627% | 4,077 |
| Credit loss provision to net charge-offs | 342.1053% | 714 |
| Earnings coverage of net charge-offs (x) | 18.2105% | 1,454 |
| Efficiency ratio | 65.7086% | 4,559 |
| Assets per employee ($millions) | 6.7716% | 865 |
| Cash dividends to net income (ytd only)* | 3.8147% | 4,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 4,300 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 67.3811% | 2,298 |
| Net loans and leases to deposits | 77.1022% | 2,640 |
| Net loans and leases to core deposits | 80.2355% | 2,973 |
| Total domestic deposits to total assets | 87.3920% | 2,579 |
| Equity capital to assets | 12.2311% | 1,901 |
| Core capital (leverage) ratio | 12.9313% | 1,138 |
| Tier 1 risk-based capital ratio | 18.7811% | 2,018 |
| Total risk-based capital ratio | 20.0334% | 1,979 |
| Memoranda: | ||
| Average total assets | $127,094,000 | 4,208 |
| Average earning assets | $123,223,400 | 4,035 |
| Average equity | $15,805,800 | 3,808 |
| Average total loans | $81,739,400 | 3,980 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5940% | 3,230 |
| Cost of funding earning assets | 0.6588% | 4,114 |
| Net interest margin | 3.9352% | 2,778 |
| Noninterest income to average assets | 1.4564% | 704 |
| Noninterest expense to average assets | 3.8253% | 1,166 |
| Loan and lease loss provision to assets | 0.3136% | 2,104 |
| Net operating income to assets | 0.6703% | 4,040 |
| Return on assets (ROA) | 0.6703% | 4,311 |
| Pretax return on assets | 1.1342% | 3,211 |
| Return on Equity (ROE) | 5.3647% | 4,657 |
| Retained earnings to average equity (ytd only) | 5.0705% | 3,321 |
| Net charge-offs to loans | 0.2277% | 3,354 |
| Credit loss provision to net charge-offs | 218.0451% | 1,276 |
| Earnings coverage of net charge-offs (x) | 10.0676% | 2,230 |
| Efficiency ratio | 72.5446% | 3,224 |
| Assets per employee ($millions) | 5.9455% | 1,284 |
| Cash dividends to net income (ytd only)* | 5.4836% | 3,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 4,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 66.5245% | 2,556 |
| Net loans and leases to deposits | 76.7807% | 2,858 |
| Net loans and leases to core deposits | 80.0232% | 3,206 |
| Total domestic deposits to total assets | 86.6422% | 2,888 |
| Equity capital to assets | 12.1667% | 2,138 |
| Core capital (leverage) ratio | 12.6351% | 1,348 |
| Tier 1 risk-based capital ratio | 18.6908% | 2,105 |
| Total risk-based capital ratio | 19.9422% | 2,069 |
| Memoranda: | ||
| Average total assets | $123,316,750 | 4,324 |
| Average earning assets | $119,602,250 | 4,160 |
| Average equity | $15,409,000 | 3,909 |
| Average total loans | $77,886,500 | 4,140 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2520% | 4,756 |
| Cost of funding earning assets | 0.6976% | 4,032 |
| Net interest margin | 3.5544% | 4,447 |
| Noninterest income to average assets | 1.0958% | 1,195 |
| Noninterest expense to average assets | 3.7046% | 1,359 |
| Loan and lease loss provision to assets | 0.0993% | 4,288 |
| Net operating income to assets | 0.4387% | 5,083 |
| Return on assets (ROA) | 0.4387% | 5,308 |
| Pretax return on assets | 0.7416% | 4,700 |
| Return on Equity (ROE) | 3.4775% | 5,491 |
| Retained earnings to average equity (ytd only) | 3.1363% | 4,539 |
| Net charge-offs to loans | 0.0215% | 5,096 |
| Credit loss provision to net charge-offs | 750.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 63.5000% | 609 |
| Efficiency ratio | 81.5004% | 1,963 |
| Assets per employee ($millions) | 6.1061% | 1,165 |
| Cash dividends to net income (ytd only)* | 9.8113% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 5,113 |
| Loan loss allowance to noncurrent loans | 811.4504% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 6,540 |
| Noncurrent loans to loans | 0.1543% | 6,274 |
| Net loans and leases to total assets | 65.3859% | 2,792 |
| Net loans and leases to deposits | 75.0407% | 3,120 |
| Net loans and leases to core deposits | 79.0375% | 3,361 |
| Total domestic deposits to total assets | 87.1339% | 2,693 |
| Equity capital to assets | 12.0855% | 2,083 |
| Core capital (leverage) ratio | 12.7927% | 1,218 |
| Tier 1 risk-based capital ratio | 19.3502% | 1,887 |
| Total risk-based capital ratio | 20.6010% | 1,858 |
| Memoranda: | ||
| Average total assets | $120,822,330 | 4,405 |
| Average earning assets | $117,263,000 | 4,233 |
| Average equity | $15,240,670 | 3,934 |
| Average total loans | $74,454,670 | 4,265 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2992% | 4,738 |
| Cost of funding earning assets | 0.7400% | 3,943 |
| Net interest margin | 3.5592% | 4,448 |
| Noninterest income to average assets | 0.8163% | 2,080 |
| Noninterest expense to average assets | 3.6646% | 1,437 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3552% | 5,454 |
| Return on assets (ROA) | 0.3552% | 5,631 |
| Pretax return on assets | 0.6011% | 5,117 |
| Return on Equity (ROE) | 2.7527% | 5,805 |
| Retained earnings to average equity (ytd only) | 2.3292% | 5,098 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9087% | 1,495 |
| Assets per employee ($millions) | 5.9139% | 1,334 |
| Cash dividends to net income (ytd only)* | 15.3846% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4688% | 4,298 |
| Loan loss allowance to noncurrent loans | 732.6087% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.1167% | 6,593 |
| Noncurrent loans to loans | 0.2005% | 6,281 |
| Net loans and leases to total assets | 57.3412% | 4,157 |
| Net loans and leases to deposits | 66.2732% | 4,331 |
| Net loans and leases to core deposits | 70.3336% | 4,362 |
| Total domestic deposits to total assets | 86.5224% | 3,230 |
| Equity capital to assets | 12.8663% | 1,502 |
| Core capital (leverage) ratio | 13.2368% | 1,046 |
| Tier 1 risk-based capital ratio | 22.7397% | 1,166 |
| Total risk-based capital ratio | 23.9930% | 1,147 |
| Memoranda: | ||
| Average total assets | $117,119,500 | 4,512 |
| Average earning assets | $113,509,000 | 4,346 |
| Average equity | $15,112,500 | 3,968 |
| Average total loans | $69,229,000 | 4,472 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5123% | 5,024 |
| Cost of funding earning assets | 0.9053% | 4,076 |
| Net interest margin | 3.6069% | 4,705 |
| Noninterest income to average assets | 2.3596% | 293 |
| Noninterest expense to average assets | 3.6513% | 1,636 |
| Loan and lease loss provision to assets | 1.1943% | 738 |
| Net operating income to assets | 0.9114% | 2,552 |
| Return on assets (ROA) | 0.9114% | 2,669 |
| Pretax return on assets | 1.0257% | 3,139 |
| Return on Equity (ROE) | 7.7334% | 3,039 |
| Retained earnings to average equity (ytd only) | 7.7334% | 1,177 |
| Net charge-offs to loans | 1.7422% | 863 |
| Credit loss provision to net charge-offs | 107.5949% | 3,142 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,282 |
| Efficiency ratio | 62.1889% | 5,429 |
| Assets per employee ($millions) | 6.4423% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4521% | 4,225 |
| Loan loss allowance to noncurrent loans | 324.0385% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.2691% | 6,294 |
| Noncurrent loans to loans | 0.4481% | 5,810 |
| Net loans and leases to total assets | 59.1699% | 4,159 |
| Net loans and leases to deposits | 68.3297% | 4,394 |
| Net loans and leases to core deposits | 72.6159% | 4,421 |
| Total domestic deposits to total assets | 86.5946% | 2,979 |
| Equity capital to assets | 12.9414% | 1,522 |
| Core capital (leverage) ratio | 13.0136% | 1,132 |
| Tier 1 risk-based capital ratio | 22.7351% | 1,128 |
| Total risk-based capital ratio | 23.9920% | 1,109 |
| Memoranda: | ||
| Average total assets | $106,755,400 | 4,713 |
| Average earning assets | $103,939,000 | 4,542 |
| Average equity | $12,581,800 | 4,423 |
| Average total loans | $68,019,200 | 4,557 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5688% | 5,005 |
| Cost of funding earning assets | 0.9161% | 4,295 |
| Net interest margin | 3.6527% | 4,552 |
| Noninterest income to average assets | 2.5210% | 262 |
| Noninterest expense to average assets | 3.8191% | 1,278 |
| Loan and lease loss provision to assets | 1.2445% | 617 |
| Net operating income to assets | 1.0199% | 2,248 |
| Return on assets (ROA) | 1.0199% | 2,408 |
| Pretax return on assets | 1.0199% | 3,330 |
| Return on Equity (ROE) | 8.8957% | 2,648 |
| Retained earnings to average equity (ytd only) | 8.8957% | 1,183 |
| Net charge-offs to loans | 1.9974% | 635 |
| Credit loss provision to net charge-offs | 96.2488% | 3,564 |
| Earnings coverage of net charge-offs (x) | 1.7512% | 4,340 |
| Efficiency ratio | 62.7780% | 5,280 |
| Assets per employee ($millions) | 6.4389% | 973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 4,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 55.5341% | 4,912 |
| Net loans and leases to deposits | 64.1446% | 5,150 |
| Net loans and leases to core deposits | 68.3393% | 5,142 |
| Total domestic deposits to total assets | 86.5764% | 2,892 |
| Equity capital to assets | 12.7645% | 1,746 |
| Core capital (leverage) ratio | 14.1227% | 876 |
| Tier 1 risk-based capital ratio | 23.7731% | 1,039 |
| Total risk-based capital ratio | 25.0250% | 1,025 |
| Memoranda: | ||
| Average total assets | $104,454,000 | 4,804 |
| Average earning assets | $101,876,500 | 4,616 |
| Average equity | $11,975,500 | 4,576 |
| Average total loans | $67,617,750 | 4,608 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7665% | 4,225 |
| Cost of funding earning assets | 0.9460% | 4,350 |
| Net interest margin | 3.8205% | 3,688 |
| Noninterest income to average assets | 2.7226% | 241 |
| Noninterest expense to average assets | 3.8991% | 1,194 |
| Loan and lease loss provision to assets | 1.4905% | 475 |
| Net operating income to assets | 1.0572% | 2,015 |
| Return on assets (ROA) | 1.0572% | 2,109 |
| Pretax return on assets | 1.0572% | 3,018 |
| Return on Equity (ROE) | 9.6412% | 2,250 |
| Retained earnings to average equity (ytd only) | 9.6412% | 927 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4809% | 5,801 |
| Assets per employee ($millions) | 6.2314% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4277% | 1,549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 63.3976% | 3,600 |
| Net loans and leases to deposits | 71.5081% | 4,203 |
| Net loans and leases to core deposits | 76.2547% | 4,279 |
| Total domestic deposits to total assets | 88.6579% | 1,744 |
| Equity capital to assets | 10.7256% | 3,258 |
| Core capital (leverage) ratio | 11.0798% | 2,187 |
| Tier 1 risk-based capital ratio | 18.0181% | 2,166 |
| Total risk-based capital ratio | 19.2858% | 2,119 |
| Memoranda: | ||
| Average total assets | $100,638,670 | 4,946 |
| Average earning assets | $98,102,000 | 4,754 |
| Average equity | $11,036,000 | 4,794 |
| Average total loans | $68,408,000 | 4,633 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6877% | 4,574 |
| Cost of funding earning assets | 0.9501% | 4,562 |
| Net interest margin | 3.7376% | 3,903 |
| Noninterest income to average assets | 2.6125% | 254 |
| Noninterest expense to average assets | 3.7554% | 1,431 |
| Loan and lease loss provision to assets | 1.4287% | 455 |
| Net operating income to assets | 1.0736% | 1,937 |
| Return on assets (ROA) | 1.0736% | 1,986 |
| Pretax return on assets | 1.0736% | 2,855 |
| Return on Equity (ROE) | 9.6753% | 2,221 |
| Retained earnings to average equity (ytd only) | 9.6753% | 1,191 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0130% | 5,982 |
| Assets per employee ($millions) | 6.4058% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8214% | 2,946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 66.8436% | 2,802 |
| Net loans and leases to deposits | 76.2909% | 3,372 |
| Net loans and leases to core deposits | 81.3426% | 3,550 |
| Total domestic deposits to total assets | 87.6167% | 2,596 |
| Equity capital to assets | 10.7666% | 2,908 |
| Core capital (leverage) ratio | 11.7608% | 1,699 |
| Tier 1 risk-based capital ratio | 16.9374% | 2,504 |
| Total risk-based capital ratio | 18.1963% | 2,473 |
| Memoranda: | ||
| Average total assets | $97,991,500 | 5,057 |
| Average earning assets | $95,569,000 | 4,864 |
| Average equity | $10,873,000 | 4,823 |
| Average total loans | $68,197,000 | 4,680 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8476% | 5,241 |
| Cost of funding earning assets | 1.2604% | 4,145 |
| Net interest margin | 3.5871% | 4,876 |
| Noninterest income to average assets | 1.0883% | 1,266 |
| Noninterest expense to average assets | 4.1001% | 1,021 |
| Loan and lease loss provision to assets | 0.3604% | 3,961 |
| Net operating income to assets | 0.1098% | 5,565 |
| Return on assets (ROA) | 0.1098% | 5,708 |
| Pretax return on assets | 0.1122% | 5,678 |
| Return on Equity (ROE) | 0.9002% | 5,726 |
| Retained earnings to average equity (ytd only) | 0.9002% | 5,100 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6660% | 1,343 |
| Assets per employee ($millions) | 6.2327% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 4,598 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 70.2663% | 2,478 |
| Net loans and leases to deposits | 83.1418% | 2,595 |
| Net loans and leases to core deposits | 90.6985% | 2,664 |
| Total domestic deposits to total assets | 84.5139% | 4,102 |
| Equity capital to assets | 11.4568% | 2,299 |
| Core capital (leverage) ratio | 11.0584% | 2,119 |
| Tier 1 risk-based capital ratio | 17.1119% | 2,310 |
| Total risk-based capital ratio | 18.3648% | 2,277 |
| Memoranda: | ||
| Average total assets | $83,802,800 | 5,472 |
| Average earning assets | $81,401,800 | 5,295 |
| Average equity | $10,220,000 | 5,072 |
| Average total loans | $60,905,400 | 5,032 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8297% | 5,550 |
| Cost of funding earning assets | 1.3015% | 4,207 |
| Net interest margin | 3.5282% | 5,189 |
| Noninterest income to average assets | 0.3440% | 5,418 |
| Noninterest expense to average assets | 4.1532% | 876 |
| Loan and lease loss provision to assets | 0.4948% | 2,993 |
| Net operating income to assets | -0.8814% | 6,831 |
| Return on assets (ROA) | -0.8814% | 6,875 |
| Pretax return on assets | -0.8798% | 6,789 |
| Return on Equity (ROE) | -7.1041% | 6,792 |
| Retained earnings to average equity (ytd only) | -7.1041% | 6,720 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2174% | 519 |
| Assets per employee ($millions) | 6.1955% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3662% | 4,640 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 67.0759% | 3,440 |
| Net loans and leases to deposits | 83.2126% | 2,866 |
| Net loans and leases to core deposits | 90.9988% | 2,951 |
| Total domestic deposits to total assets | 80.6079% | 5,513 |
| Equity capital to assets | 10.1102% | 4,001 |
| Core capital (leverage) ratio | 10.8232% | 2,394 |
| Tier 1 risk-based capital ratio | 15.4713% | 3,013 |
| Total risk-based capital ratio | 16.7233% | 2,982 |
| Memoranda: | ||
| Average total assets | $81,381,000 | 5,622 |
| Average earning assets | $78,980,750 | 5,437 |
| Average equity | $10,097,250 | 5,160 |
| Average total loans | $59,478,500 | 5,171 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9873% | 4,997 |
| Cost of funding earning assets | 1.3803% | 4,002 |
| Net interest margin | 3.6070% | 4,781 |
| Noninterest income to average assets | 0.2306% | 6,264 |
| Noninterest expense to average assets | 4.4921% | 581 |
| Loan and lease loss provision to assets | 0.8004% | 1,806 |
| Net operating income to assets | -1.5742% | 7,178 |
| Return on assets (ROA) | -1.5742% | 7,189 |
| Pretax return on assets | -1.5716% | 7,103 |
| Return on Equity (ROE) | -11.7364% | 7,032 |
| Retained earnings to average equity (ytd only) | -11.7364% | 6,989 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.7265% | 409 |
| Assets per employee ($millions) | 5.3522% | 1,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 4,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 72.4458% | 2,288 |
| Net loans and leases to deposits | 83.6579% | 2,938 |
| Net loans and leases to core deposits | 90.1337% | 3,236 |
| Total domestic deposits to total assets | 86.5978% | 2,753 |
| Equity capital to assets | 11.5969% | 2,359 |
| Core capital (leverage) ratio | 11.8738% | 1,716 |
| Tier 1 risk-based capital ratio | 17.8840% | 1,986 |
| Total risk-based capital ratio | 19.1338% | 1,955 |
| Memoranda: | ||
| Average total assets | $75,465,330 | 5,822 |
| Average earning assets | $73,025,670 | 5,673 |
| Average equity | $10,122,330 | 5,164 |
| Average total loans | $56,834,000 | 5,319 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8880% | 5,524 |
| Cost of funding earning assets | 1.3991% | 4,178 |
| Net interest margin | 3.4889% | 5,206 |
| Noninterest income to average assets | 0.2558% | 6,103 |
| Noninterest expense to average assets | 4.6433% | 493 |
| Loan and lease loss provision to assets | 0.7957% | 1,592 |
| Net operating income to assets | -1.8244% | 7,418 |
| Return on assets (ROA) | -1.8244% | 7,421 |
| Pretax return on assets | -1.8244% | 7,360 |
| Return on Equity (ROE) | -12.5661% | 7,240 |
| Retained earnings to average equity (ytd only) | -12.5661% | 7,104 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.4591% | 350 |
| Assets per employee ($millions) | 5.4675% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 5,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 72.0800% | 2,426 |
| Net loans and leases to deposits | 82.6021% | 3,176 |
| Net loans and leases to core deposits | 86.9210% | 3,768 |
| Total domestic deposits to total assets | 87.2618% | 2,490 |
| Equity capital to assets | 12.2846% | 1,886 |
| Core capital (leverage) ratio | 14.6313% | 819 |
| Tier 1 risk-based capital ratio | 20.0350% | 1,514 |
| Total risk-based capital ratio | 21.2878% | 1,487 |
| Memoranda: | ||
| Average total assets | $70,380,500 | 6,036 |
| Average earning assets | $67,757,500 | 5,915 |
| Average equity | $10,218,000 | 5,172 |
| Average total loans | $53,771,000 | 5,502 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0456% | 6,288 |
| Cost of funding earning assets | 1.4957% | 5,529 |
| Net interest margin | 3.5499% | 4,747 |
| Noninterest income to average assets | 0.1475% | 7,000 |
| Noninterest expense to average assets | 6.7457% | 225 |
| Loan and lease loss provision to assets | 0.8512% | 2,609 |
| Net operating income to assets | -4.0878% | 7,621 |
| Return on assets (ROA) | -4.0878% | 7,619 |
| Pretax return on assets | -4.0878% | 7,549 |
| Return on Equity (ROE) | -16.2205% | 7,002 |
| Retained earnings to average equity (ytd only) | -16.2205% | 6,950 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 192.2380% | 159 |
| Assets per employee ($millions) | 3.9165% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 4,774 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 80.0861% | 980 |
| Net loans and leases to deposits | 97.8882% | 1,114 |
| Net loans and leases to core deposits | 146.6889% | 595 |
| Total domestic deposits to total assets | 81.8138% | 5,028 |
| Equity capital to assets | 17.6363% | 481 |
| Core capital (leverage) ratio | 19.5731% | 299 |
| Tier 1 risk-based capital ratio | 24.9039% | 852 |
| Total risk-based capital ratio | 26.1561% | 829 |
| Memoranda: | ||
| Average total assets | $44,057,400 | 6,941 |
| Average earning assets | $41,719,200 | 6,872 |
| Average equity | $11,103,200 | 4,996 |
| Average total loans | $33,877,200 | 6,405 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8786% | 6,933 |
| Cost of funding earning assets | 1.5572% | 5,601 |
| Net interest margin | 3.3214% | 5,557 |
| Noninterest income to average assets | 0.0924% | 7,442 |
| Noninterest expense to average assets | 7.2237% | 194 |
| Loan and lease loss provision to assets | 0.9673% | 1,984 |
| Net operating income to assets | -4.9721% | 7,837 |
| Return on assets (ROA) | -4.9721% | 7,836 |
| Pretax return on assets | -4.9721% | 7,805 |
| Return on Equity (ROE) | -17.7872% | 7,303 |
| Retained earnings to average equity (ytd only) | -17.7872% | 7,266 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 224.4103% | 112 |
| Assets per employee ($millions) | 3.7427% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 4,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 87.0024% | 274 |
| Net loans and leases to deposits | 112.3106% | 378 |
| Net loans and leases to core deposits | 166.7428% | 298 |
| Total domestic deposits to total assets | 77.4658% | 6,225 |
| Equity capital to assets | 21.8292% | 251 |
| Core capital (leverage) ratio | 23.1193% | 205 |
| Tier 1 risk-based capital ratio | 26.6759% | 777 |
| Total risk-based capital ratio | 27.9267% | 753 |
| Memoranda: | ||
| Average total assets | $40,384,750 | 7,127 |
| Average earning assets | $38,015,500 | 7,068 |
| Average equity | $11,288,750 | 4,988 |
| Average total loans | $30,429,500 | 6,658 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5526% | 7,583 |
| Cost of funding earning assets | 1.5687% | 5,844 |
| Net interest margin | 2.9839% | 6,598 |
| Noninterest income to average assets | 0.0850% | 7,551 |
| Noninterest expense to average assets | 7.6379% | 178 |
| Loan and lease loss provision to assets | 0.7973% | 2,098 |
| Net operating income to assets | -5.5597% | 7,978 |
| Return on assets (ROA) | -5.5597% | 7,970 |
| Pretax return on assets | -5.5597% | 7,924 |
| Return on Equity (ROE) | -18.1734% | 7,461 |
| Retained earnings to average equity (ytd only) | -18.1734% | 7,400 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 265.6192% | 102 |
| Assets per employee ($millions) | 3.5830% | 4,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 4,895 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 75.1302% | 2,410 |
| Net loans and leases to deposits | 102.1213% | 1,066 |
| Net loans and leases to core deposits | 147.7181% | 710 |
| Total domestic deposits to total assets | 73.5696% | 7,028 |
| Equity capital to assets | 25.6977% | 188 |
| Core capital (leverage) ratio | 27.5172% | 167 |
| Tier 1 risk-based capital ratio | 31.9215% | 502 |
| Total risk-based capital ratio | 33.1032% | 494 |
| Memoranda: | ||
| Average total assets | $37,628,000 | 7,307 |
| Average earning assets | $35,188,670 | 7,253 |
| Average equity | $11,511,330 | 4,948 |
| Average total loans | $26,283,330 | 6,950 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3914% | 7,804 |
| Cost of funding earning assets | 1.5211% | 6,342 |
| Net interest margin | 2.8704% | 6,831 |
| Noninterest income to average assets | 0.1145% | 7,457 |
| Noninterest expense to average assets | 8.1387% | 149 |
| Loan and lease loss provision to assets | 0.6525% | 1,934 |
| Net operating income to assets | -5.9982% | 8,089 |
| Return on assets (ROA) | -5.9982% | 8,080 |
| Pretax return on assets | -5.9982% | 8,050 |
| Return on Equity (ROE) | -17.8497% | 7,705 |
| Retained earnings to average equity (ytd only) | -17.8497% | 7,578 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 291.3934% | 89 |
| Assets per employee ($millions) | 3.9571% | 3,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 4,885 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 63.3292% | 5,101 |
| Net loans and leases to deposits | 90.3617% | 2,873 |
| Net loans and leases to core deposits | 131.3417% | 1,580 |
| Total domestic deposits to total assets | 70.0842% | 7,417 |
| Equity capital to assets | 29.1577% | 153 |
| Core capital (leverage) ratio | 35.2359% | 114 |
| Tier 1 risk-based capital ratio | 42.2730% | 283 |
| Total risk-based capital ratio | 43.4381% | 283 |
| Memoranda: | ||
| Average total assets | $34,944,000 | 7,450 |
| Average earning assets | $32,609,000 | 7,415 |
| Average equity | $11,742,500 | 4,914 |
| Average total loans | $23,076,500 | 7,178 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1833% | 8,164 |
| Cost of funding earning assets | 0.4871% | 8,193 |
| Net interest margin | 2.6962% | 7,503 |
| Noninterest income to average assets | 0.1130% | 7,558 |
| Noninterest expense to average assets | 8.4769% | 200 |
| Loan and lease loss provision to assets | 1.1031% | 1,316 |
| Net operating income to assets | -6.9940% | 8,195 |
| Return on assets (ROA) | -6.9940% | 8,191 |
| Pretax return on assets | -6.9895% | 8,162 |
| Return on Equity (ROE) | -12.2639% | 7,440 |
| Retained earnings to average equity (ytd only) | -12.2639% | 7,263 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 327.2251% | 88 |
| Assets per employee ($millions) | 3.7896% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 4,754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 67.7772% | 4,497 |
| Net loans and leases to deposits | 113.4309% | 642 |
| Net loans and leases to core deposits | 156.4608% | 657 |
| Total domestic deposits to total assets | 59.7520% | 7,976 |
| Equity capital to assets | 39.4069% | 105 |
| Core capital (leverage) ratio | 47.8742% | 85 |
| Tier 1 risk-based capital ratio | 49.1222% | 225 |
| Total risk-based capital ratio | 50.1912% | 224 |
| Memoranda: | ||
| Average total assets | $22,119,000 | 7,942 |
| Average earning assets | $20,325,000 | 7,919 |
| Average equity | $12,614,250 | 4,671 |
| Average total loans | $11,181,000 | 7,879 |