Home > Farmers Bank of Lincoln > Performance and Condition Ratios
Farmers Bank of Lincoln, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5252% | 1,845 |
| Cost of funding earning assets | 0.9779% | 1,051 |
| Net interest margin | 3.5473% | 2,646 |
| Noninterest income to average assets | 0.3434% | 3,415 |
| Noninterest expense to average assets | 2.2664% | 3,606 |
| Loan and lease loss provision to assets | 0.0242% | 3,947 |
| Net operating income to assets | 1.3677% | 1,186 |
| Return on assets (ROA) | 1.3677% | 1,277 |
| Pretax return on assets | 1.3677% | 1,811 |
| Return on Equity (ROE) | 12.5684% | 1,203 |
| Retained earnings to average equity (ytd only) | 5.6168% | 2,228 |
| Net charge-offs to loans | 0.0287% | 2,143 |
| Credit loss provision to net charge-offs | 123.0769% | 2,264 |
| Earnings coverage of net charge-offs (x) | 70.7692% | 878 |
| Efficiency ratio | 61.9520% | 3,137 |
| Assets per employee ($millions) | 6.0436% | 2,148 |
| Cash dividends to net income (ytd only)* | 55.3097% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 2,605 |
| Loan loss allowance to noncurrent loans | 308.8571% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.5381% | 2,204 |
| Noncurrent loans to loans | 0.3826% | 3,041 |
| Net loans and leases to total assets | 65.0353% | 2,748 |
| Net loans and leases to deposits | 73.9628% | 3,076 |
| Net loans and leases to core deposits | 77.7777% | 3,130 |
| Total domestic deposits to total assets | 87.9298% | 1,216 |
| Equity capital to assets | 10.5991% | 2,667 |
| Core capital (leverage) ratio | 10.6394% | 2,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3404% | 865 |
| Memoranda: | ||
| Average total assets | $132,191,000 | 3,575 |
| Average earning assets | $123,530,333 | 3,557 |
| Average equity | $14,385,333 | 3,718 |
| Average total loans | $90,469,667 | 3,401 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7689% | 1,505 |
| Cost of funding earning assets | 1.0879% | 1,084 |
| Net interest margin | 3.6809% | 2,394 |
| Noninterest income to average assets | 0.4473% | 2,804 |
| Noninterest expense to average assets | 2.3543% | 3,639 |
| Loan and lease loss provision to assets | 0.0062% | 3,674 |
| Net operating income to assets | 1.5126% | 759 |
| Return on assets (ROA) | 1.5126% | 829 |
| Pretax return on assets | 1.5126% | 1,272 |
| Return on Equity (ROE) | 13.7072% | 759 |
| Retained earnings to average equity (ytd only) | 6.6707% | 1,658 |
| Net charge-offs to loans | -0.0044% | 3,825 |
| Credit loss provision to net charge-offs | -200.0000% | 3,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7859% | 3,643 |
| Assets per employee ($millions) | 5.7379% | 1,901 |
| Cash dividends to net income (ytd only)* | 51.3347% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 2,699 |
| Loan loss allowance to noncurrent loans | 255.5556% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.6085% | 2,181 |
| Noncurrent loans to loans | 0.4673% | 2,849 |
| Net loans and leases to total assets | 67.7765% | 2,575 |
| Net loans and leases to deposits | 77.4847% | 2,934 |
| Net loans and leases to core deposits | 81.5079% | 3,063 |
| Total domestic deposits to total assets | 87.4708% | 1,349 |
| Equity capital to assets | 10.7690% | 3,078 |
| Core capital (leverage) ratio | 11.0710% | 2,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1094% | 853 |
| Memoranda: | ||
| Average total assets | $128,785,000 | 3,597 |
| Average earning assets | $119,861,000 | 3,581 |
| Average equity | $14,211,500 | 3,748 |
| Average total loans | $89,963,500 | 3,399 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9049% | 1,738 |
| Cost of funding earning assets | 1.1710% | 1,093 |
| Net interest margin | 3.7338% | 2,716 |
| Noninterest income to average assets | 0.4214% | 3,168 |
| Noninterest expense to average assets | 2.4062% | 3,677 |
| Loan and lease loss provision to assets | 0.0120% | 3,776 |
| Net operating income to assets | 1.4716% | 1,120 |
| Return on assets (ROA) | 1.4724% | 1,184 |
| Pretax return on assets | 1.4724% | 1,895 |
| Return on Equity (ROE) | 13.2847% | 1,081 |
| Retained earnings to average equity (ytd only) | 4.8242% | 2,519 |
| Net charge-offs to loans | 0.0189% | 3,050 |
| Credit loss provision to net charge-offs | 88.2353% | 2,672 |
| Earnings coverage of net charge-offs (x) | 109.3529% | 632 |
| Efficiency ratio | 61.8588% | 3,406 |
| Assets per employee ($millions) | 5.2333% | 2,310 |
| Cash dividends to net income (ytd only)* | 63.6856% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2058% | 2,403 |
| Loan loss allowance to noncurrent loans | 764.5390% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.4459% | 2,617 |
| Noncurrent loans to loans | 0.1577% | 3,896 |
| Net loans and leases to total assets | 70.3212% | 2,344 |
| Net loans and leases to deposits | 81.1828% | 2,645 |
| Net loans and leases to core deposits | 85.3732% | 2,841 |
| Total domestic deposits to total assets | 86.6208% | 1,794 |
| Equity capital to assets | 11.3147% | 2,690 |
| Core capital (leverage) ratio | 11.2665% | 2,279 |
| Tier 1 risk-based capital ratio | 18.7147% | 1,587 |
| Total risk-based capital ratio | 19.9672% | 1,550 |
| Memoranda: | ||
| Average total assets | $125,302,800 | 3,624 |
| Average earning assets | $116,394,800 | 3,617 |
| Average equity | $13,888,200 | 3,767 |
| Average total loans | $89,969,400 | 3,399 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8878% | 1,851 |
| Cost of funding earning assets | 1.1833% | 1,076 |
| Net interest margin | 3.7045% | 2,908 |
| Noninterest income to average assets | 0.3961% | 3,343 |
| Noninterest expense to average assets | 2.3934% | 3,705 |
| Loan and lease loss provision to assets | 0.0160% | 3,590 |
| Net operating income to assets | 1.4299% | 1,387 |
| Return on assets (ROA) | 1.4309% | 1,437 |
| Pretax return on assets | 1.4309% | 2,187 |
| Return on Equity (ROE) | 12.9782% | 1,282 |
| Retained earnings to average equity (ytd only) | 6.4601% | 2,138 |
| Net charge-offs to loans | 0.0207% | 2,696 |
| Credit loss provision to net charge-offs | 107.1429% | 2,130 |
| Earnings coverage of net charge-offs (x) | 96.9802% | 769 |
| Efficiency ratio | 62.3405% | 3,274 |
| Assets per employee ($millions) | 5.2518% | 2,287 |
| Cash dividends to net income (ytd only)* | 50.2232% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 2,561 |
| Loan loss allowance to noncurrent loans | 9,827.2727% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.3102% | 3,300 |
| Noncurrent loans to loans | 0.0121% | 4,629 |
| Net loans and leases to total assets | 71.2638% | 2,281 |
| Net loans and leases to deposits | 81.8970% | 2,695 |
| Net loans and leases to core deposits | 86.3085% | 2,882 |
| Total domestic deposits to total assets | 87.0163% | 1,503 |
| Equity capital to assets | 11.2739% | 2,855 |
| Core capital (leverage) ratio | 11.2848% | 2,395 |
| Tier 1 risk-based capital ratio | 18.5425% | 1,677 |
| Total risk-based capital ratio | 19.7940% | 1,647 |
| Memoranda: | ||
| Average total assets | $125,229,000 | 3,659 |
| Average earning assets | $116,396,250 | 3,646 |
| Average equity | $13,807,500 | 3,815 |
| Average total loans | $90,111,750 | 3,437 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8435% | 1,920 |
| Cost of funding earning assets | 1.1799% | 1,048 |
| Net interest margin | 3.6636% | 3,056 |
| Noninterest income to average assets | 0.3505% | 3,594 |
| Noninterest expense to average assets | 2.4168% | 3,697 |
| Loan and lease loss provision to assets | 0.0240% | 3,329 |
| Net operating income to assets | 1.3188% | 1,699 |
| Return on assets (ROA) | 1.3188% | 1,763 |
| Pretax return on assets | 1.3188% | 2,483 |
| Return on Equity (ROE) | 12.0527% | 1,559 |
| Retained earnings to average equity (ytd only) | 5.4705% | 2,532 |
| Net charge-offs to loans | 0.0312% | 2,231 |
| Credit loss provision to net charge-offs | 107.1429% | 1,866 |
| Earnings coverage of net charge-offs (x) | 59.9286% | 984 |
| Efficiency ratio | 64.2827% | 3,088 |
| Assets per employee ($millions) | 5.2190% | 2,237 |
| Cash dividends to net income (ytd only)* | 54.6117% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 2,571 |
| Loan loss allowance to noncurrent loans | 4,913.6364% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.3209% | 3,251 |
| Noncurrent loans to loans | 0.0243% | 4,604 |
| Net loans and leases to total assets | 71.5476% | 2,274 |
| Net loans and leases to deposits | 83.1620% | 2,583 |
| Net loans and leases to core deposits | 87.7093% | 2,827 |
| Total domestic deposits to total assets | 86.0341% | 2,019 |
| Equity capital to assets | 11.0998% | 2,946 |
| Core capital (leverage) ratio | 11.0154% | 2,584 |
| Tier 1 risk-based capital ratio | 18.1335% | 1,771 |
| Total risk-based capital ratio | 19.3860% | 1,724 |
| Memoranda: | ||
| Average total assets | $124,957,670 | 3,691 |
| Average earning assets | $116,279,670 | 3,673 |
| Average equity | $13,673,330 | 3,833 |
| Average total loans | $89,847,670 | 3,461 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7705% | 1,989 |
| Cost of funding earning assets | 1.1754% | 974 |
| Net interest margin | 3.5951% | 3,263 |
| Noninterest income to average assets | 0.4295% | 2,982 |
| Noninterest expense to average assets | 2.3748% | 3,833 |
| Loan and lease loss provision to assets | 0.0160% | 3,229 |
| Net operating income to assets | 1.3813% | 1,430 |
| Return on assets (ROA) | 1.3813% | 1,462 |
| Pretax return on assets | 1.3813% | 2,150 |
| Return on Equity (ROE) | 12.7153% | 1,319 |
| Retained earnings to average equity (ytd only) | 6.0774% | 2,430 |
| Net charge-offs to loans | 0.0134% | 2,223 |
| Credit loss provision to net charge-offs | 166.6667% | 1,164 |
| Earnings coverage of net charge-offs (x) | 145.3333% | 515 |
| Efficiency ratio | 62.9567% | 3,387 |
| Assets per employee ($millions) | 5.4856% | 1,993 |
| Cash dividends to net income (ytd only)* | 52.2042% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 2,522 |
| Loan loss allowance to noncurrent loans | 8,323.0769% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.3614% | 3,152 |
| Noncurrent loans to loans | 0.0145% | 4,718 |
| Net loans and leases to total assets | 69.9950% | 2,482 |
| Net loans and leases to deposits | 82.2394% | 2,588 |
| Net loans and leases to core deposits | 86.4693% | 2,832 |
| Total domestic deposits to total assets | 85.1112% | 2,643 |
| Equity capital to assets | 10.8497% | 2,997 |
| Core capital (leverage) ratio | 10.9108% | 2,655 |
| Tier 1 risk-based capital ratio | 18.3179% | 1,712 |
| Total risk-based capital ratio | 19.5707% | 1,657 |
| Memoranda: | ||
| Average total assets | $124,809,000 | 3,724 |
| Average earning assets | $116,047,000 | 3,712 |
| Average equity | $13,558,500 | 3,862 |
| Average total loans | $89,422,500 | 3,502 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7733% | 1,604 |
| Cost of funding earning assets | 0.8720% | 1,209 |
| Net interest margin | 3.9013% | 2,320 |
| Noninterest income to average assets | 0.4580% | 3,060 |
| Noninterest expense to average assets | 2.4006% | 3,875 |
| Loan and lease loss provision to assets | 0.0344% | 3,507 |
| Net operating income to assets | 1.6180% | 832 |
| Return on assets (ROA) | 1.6180% | 828 |
| Pretax return on assets | 1.6180% | 1,412 |
| Return on Equity (ROE) | 14.8348% | 864 |
| Retained earnings to average equity (ytd only) | 5.9370% | 2,227 |
| Net charge-offs to loans | -0.0011% | 4,193 |
| Credit loss provision to net charge-offs | -4,100.0000% | 4,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2301% | 3,981 |
| Assets per employee ($millions) | 5.3673% | 2,093 |
| Cash dividends to net income (ytd only)* | 59.9793% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 2,529 |
| Loan loss allowance to noncurrent loans | 12,000.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 3,090 |
| Noncurrent loans to loans | 0.0101% | 4,762 |
| Net loans and leases to total assets | 71.5850% | 2,330 |
| Net loans and leases to deposits | 85.6441% | 2,323 |
| Net loans and leases to core deposits | 89.8618% | 2,583 |
| Total domestic deposits to total assets | 83.5843% | 3,131 |
| Equity capital to assets | 10.8774% | 2,813 |
| Core capital (leverage) ratio | 10.9562% | 2,568 |
| Tier 1 risk-based capital ratio | 17.7920% | 1,815 |
| Total risk-based capital ratio | 19.0447% | 1,769 |
| Memoranda: | ||
| Average total assets | $119,220,800 | 3,801 |
| Average earning assets | $109,861,600 | 3,806 |
| Average equity | $13,003,200 | 3,882 |
| Average total loans | $88,079,200 | 3,512 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7212% | 1,616 |
| Cost of funding earning assets | 0.7860% | 1,402 |
| Net interest margin | 3.9351% | 2,175 |
| Noninterest income to average assets | 0.4378% | 3,240 |
| Noninterest expense to average assets | 2.3842% | 3,889 |
| Loan and lease loss provision to assets | 0.0384% | 3,237 |
| Net operating income to assets | 1.6361% | 878 |
| Return on assets (ROA) | 1.6361% | 885 |
| Pretax return on assets | 1.6361% | 1,464 |
| Return on Equity (ROE) | 14.9902% | 878 |
| Retained earnings to average equity (ytd only) | 5.8927% | 2,710 |
| Net charge-offs to loans | -0.0015% | 4,058 |
| Credit loss provision to net charge-offs | -3,400.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7434% | 4,001 |
| Assets per employee ($millions) | 5.2041% | 2,216 |
| Cash dividends to net income (ytd only)* | 60.6893% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 2,640 |
| Loan loss allowance to noncurrent loans | 8,253.8462% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.3810% | 3,163 |
| Noncurrent loans to loans | 0.0145% | 4,852 |
| Net loans and leases to total assets | 73.9864% | 1,984 |
| Net loans and leases to deposits | 89.6962% | 1,939 |
| Net loans and leases to core deposits | 93.3703% | 2,364 |
| Total domestic deposits to total assets | 82.4855% | 3,465 |
| Equity capital to assets | 11.0155% | 2,648 |
| Core capital (leverage) ratio | 11.2017% | 2,414 |
| Tier 1 risk-based capital ratio | 17.6042% | 1,895 |
| Total risk-based capital ratio | 18.8559% | 1,856 |
| Memoranda: | ||
| Average total assets | $118,163,750 | 3,857 |
| Average earning assets | $108,727,250 | 3,863 |
| Average equity | $12,897,000 | 3,925 |
| Average total loans | $87,736,250 | 3,552 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6565% | 1,624 |
| Cost of funding earning assets | 0.7406% | 1,425 |
| Net interest margin | 3.9159% | 2,153 |
| Noninterest income to average assets | 0.4233% | 3,332 |
| Noninterest expense to average assets | 2.3884% | 3,930 |
| Loan and lease loss provision to assets | 0.0391% | 3,124 |
| Net operating income to assets | 1.5911% | 933 |
| Return on assets (ROA) | 1.5911% | 942 |
| Pretax return on assets | 1.5911% | 1,529 |
| Return on Equity (ROE) | 14.6239% | 930 |
| Retained earnings to average equity (ytd only) | 4.8121% | 3,177 |
| Net charge-offs to loans | -0.0046% | 4,081 |
| Credit loss provision to net charge-offs | -1,150.0000% | 4,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4332% | 4,022 |
| Assets per employee ($millions) | 5.1432% | 2,248 |
| Cash dividends to net income (ytd only)* | 67.0940% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 2,685 |
| Loan loss allowance to noncurrent loans | 7,086.6667% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.3872% | 3,198 |
| Noncurrent loans to loans | 0.0170% | 4,868 |
| Net loans and leases to total assets | 73.7214% | 1,992 |
| Net loans and leases to deposits | 85.8871% | 2,328 |
| Net loans and leases to core deposits | 90.9042% | 2,497 |
| Total domestic deposits to total assets | 85.8353% | 2,351 |
| Equity capital to assets | 10.9532% | 2,679 |
| Core capital (leverage) ratio | 11.0115% | 2,517 |
| Tier 1 risk-based capital ratio | 17.5748% | 1,922 |
| Total risk-based capital ratio | 18.8265% | 1,877 |
| Memoranda: | ||
| Average total assets | $117,653,330 | 3,897 |
| Average earning assets | $108,022,000 | 3,912 |
| Average equity | $12,801,000 | 3,960 |
| Average total loans | $87,104,670 | 3,582 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5947% | 1,590 |
| Cost of funding earning assets | 0.7298% | 1,291 |
| Net interest margin | 3.8650% | 2,176 |
| Noninterest income to average assets | 0.4500% | 3,110 |
| Noninterest expense to average assets | 2.4784% | 3,716 |
| Loan and lease loss provision to assets | 0.0511% | 2,754 |
| Net operating income to assets | 1.4591% | 1,174 |
| Return on assets (ROA) | 1.4591% | 1,178 |
| Pretax return on assets | 1.4591% | 1,807 |
| Return on Equity (ROE) | 13.4559% | 1,145 |
| Retained earnings to average equity (ytd only) | 4.0871% | 3,567 |
| Net charge-offs to loans | -0.0092% | 4,215 |
| Credit loss provision to net charge-offs | -750.0000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1368% | 3,757 |
| Assets per employee ($millions) | 5.3898% | 2,046 |
| Cash dividends to net income (ytd only)* | 69.6262% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 2,758 |
| Loan loss allowance to noncurrent loans | 6,205.8824% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.4301% | 3,119 |
| Noncurrent loans to loans | 0.0195% | 4,905 |
| Net loans and leases to total assets | 72.7162% | 2,058 |
| Net loans and leases to deposits | 85.4134% | 2,243 |
| Net loans and leases to core deposits | 89.9310% | 2,453 |
| Total domestic deposits to total assets | 85.1344% | 2,889 |
| Equity capital to assets | 10.7728% | 2,800 |
| Core capital (leverage) ratio | 10.8571% | 2,577 |
| Tier 1 risk-based capital ratio | 17.4595% | 1,987 |
| Total risk-based capital ratio | 18.7120% | 1,940 |
| Memoranda: | ||
| Average total assets | $117,333,000 | 3,944 |
| Average earning assets | $107,427,000 | 3,961 |
| Average equity | $12,723,000 | 4,010 |
| Average total loans | $86,521,500 | 3,623 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4602% | 1,843 |
| Cost of funding earning assets | 0.6335% | 1,397 |
| Net interest margin | 3.8267% | 2,333 |
| Noninterest income to average assets | 0.5319% | 2,811 |
| Noninterest expense to average assets | 2.3563% | 4,192 |
| Loan and lease loss provision to assets | 0.0482% | 3,260 |
| Net operating income to assets | 1.6527% | 582 |
| Return on assets (ROA) | 1.6527% | 598 |
| Pretax return on assets | 1.6527% | 1,146 |
| Return on Equity (ROE) | 15.3864% | 562 |
| Retained earnings to average equity (ytd only) | 6.4368% | 1,310 |
| Net charge-offs to loans | 0.0250% | 3,310 |
| Credit loss provision to net charge-offs | 261.9048% | 1,067 |
| Earnings coverage of net charge-offs (x) | 92.4286% | 683 |
| Efficiency ratio | 58.0778% | 4,519 |
| Assets per employee ($millions) | 4.8371% | 2,688 |
| Cash dividends to net income (ytd only)* | 58.1654% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 2,714 |
| Loan loss allowance to noncurrent loans | 5,190.0000% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.4591% | 3,033 |
| Noncurrent loans to loans | 0.0233% | 4,912 |
| Net loans and leases to total assets | 72.9830% | 2,098 |
| Net loans and leases to deposits | 87.4708% | 2,084 |
| Net loans and leases to core deposits | 92.3032% | 2,345 |
| Total domestic deposits to total assets | 83.4370% | 3,411 |
| Equity capital to assets | 10.9157% | 2,716 |
| Core capital (leverage) ratio | 11.2147% | 2,150 |
| Tier 1 risk-based capital ratio | 17.6731% | 1,897 |
| Total risk-based capital ratio | 18.9248% | 1,846 |
| Memoranda: | ||
| Average total assets | $114,118,600 | 3,995 |
| Average earning assets | $105,129,000 | 4,001 |
| Average equity | $12,257,600 | 4,100 |
| Average total loans | $84,095,800 | 3,655 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4330% | 1,851 |
| Cost of funding earning assets | 0.6147% | 1,433 |
| Net interest margin | 3.8183% | 2,330 |
| Noninterest income to average assets | 0.5269% | 2,855 |
| Noninterest expense to average assets | 2.3363% | 4,196 |
| Loan and lease loss provision to assets | 0.0469% | 3,166 |
| Net operating income to assets | 1.6639% | 621 |
| Return on assets (ROA) | 1.6639% | 639 |
| Pretax return on assets | 1.6639% | 1,204 |
| Return on Equity (ROE) | 15.5555% | 584 |
| Retained earnings to average equity (ytd only) | 5.9458% | 2,279 |
| Net charge-offs to loans | 0.0287% | 2,858 |
| Credit loss provision to net charge-offs | 222.2222% | 1,246 |
| Earnings coverage of net charge-offs (x) | 80.9979% | 803 |
| Efficiency ratio | 57.7269% | 4,540 |
| Assets per employee ($millions) | 4.9259% | 2,544 |
| Cash dividends to net income (ytd only)* | 61.7771% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 2,905 |
| Loan loss allowance to noncurrent loans | 1,738.9831% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.4704% | 3,161 |
| Noncurrent loans to loans | 0.0693% | 4,799 |
| Net loans and leases to total assets | 74.2445% | 1,878 |
| Net loans and leases to deposits | 87.6912% | 2,105 |
| Net loans and leases to core deposits | 92.8371% | 2,365 |
| Total domestic deposits to total assets | 84.6658% | 2,855 |
| Equity capital to assets | 11.0163% | 2,848 |
| Core capital (leverage) ratio | 11.0352% | 2,420 |
| Tier 1 risk-based capital ratio | 17.4835% | 2,015 |
| Total risk-based capital ratio | 18.7366% | 1,960 |
| Memoranda: | ||
| Average total assets | $113,625,750 | 4,043 |
| Average earning assets | $104,756,750 | 4,053 |
| Average equity | $12,154,000 | 4,149 |
| Average total loans | $83,678,750 | 3,692 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3656% | 1,926 |
| Cost of funding earning assets | 0.5931% | 1,493 |
| Net interest margin | 3.7725% | 2,393 |
| Noninterest income to average assets | 0.5152% | 2,928 |
| Noninterest expense to average assets | 2.3089% | 4,320 |
| Loan and lease loss provision to assets | 0.0440% | 3,114 |
| Net operating income to assets | 1.6406% | 636 |
| Return on assets (ROA) | 1.6406% | 658 |
| Pretax return on assets | 1.6406% | 1,223 |
| Return on Equity (ROE) | 15.4919% | 598 |
| Retained earnings to average equity (ytd only) | 5.8447% | 2,202 |
| Net charge-offs to loans | 0.0216% | 2,791 |
| Credit loss provision to net charge-offs | 277.7778% | 1,013 |
| Earnings coverage of net charge-offs (x) | 106.4444% | 626 |
| Efficiency ratio | 57.8159% | 4,618 |
| Assets per employee ($millions) | 4.9369% | 2,466 |
| Cash dividends to net income (ytd only)* | 62.2722% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 2,984 |
| Loan loss allowance to noncurrent loans | 6,000.0000% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.4888% | 3,135 |
| Noncurrent loans to loans | 0.0201% | 5,086 |
| Net loans and leases to total assets | 73.6986% | 1,929 |
| Net loans and leases to deposits | 86.1718% | 2,195 |
| Net loans and leases to core deposits | 91.5570% | 2,370 |
| Total domestic deposits to total assets | 85.5252% | 2,605 |
| Equity capital to assets | 10.8218% | 3,012 |
| Core capital (leverage) ratio | 10.8183% | 2,585 |
| Tier 1 risk-based capital ratio | 17.3913% | 2,042 |
| Total risk-based capital ratio | 18.6443% | 1,999 |
| Memoranda: | ||
| Average total assets | $113,735,670 | 4,066 |
| Average earning assets | $104,864,330 | 4,074 |
| Average equity | $12,045,000 | 4,179 |
| Average total loans | $83,191,000 | 3,716 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2784% | 2,019 |
| Cost of funding earning assets | 0.5910% | 1,435 |
| Net interest margin | 3.6873% | 2,526 |
| Noninterest income to average assets | 0.4744% | 3,157 |
| Noninterest expense to average assets | 2.3017% | 4,402 |
| Loan and lease loss provision to assets | 0.0176% | 3,347 |
| Net operating income to assets | 1.5532% | 745 |
| Return on assets (ROA) | 1.5532% | 766 |
| Pretax return on assets | 1.5532% | 1,370 |
| Return on Equity (ROE) | 14.8279% | 670 |
| Retained earnings to average equity (ytd only) | 2.7509% | 4,033 |
| Net charge-offs to loans | 0.0437% | 1,958 |
| Credit loss provision to net charge-offs | 55.5556% | 1,939 |
| Earnings coverage of net charge-offs (x) | 49.6667% | 900 |
| Efficiency ratio | 59.4374% | 4,539 |
| Assets per employee ($millions) | 4.9770% | 2,479 |
| Cash dividends to net income (ytd only)* | 81.4480% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 3,087 |
| Loan loss allowance to noncurrent loans | 1,388.8889% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.6333% | 2,737 |
| Noncurrent loans to loans | 0.0869% | 4,848 |
| Net loans and leases to total assets | 71.4751% | 2,143 |
| Net loans and leases to deposits | 83.3069% | 2,363 |
| Net loans and leases to core deposits | 88.4434% | 2,505 |
| Total domestic deposits to total assets | 85.7974% | 2,757 |
| Equity capital to assets | 10.4646% | 3,217 |
| Core capital (leverage) ratio | 10.9647% | 2,394 |
| Tier 1 risk-based capital ratio | 17.2823% | 2,102 |
| Total risk-based capital ratio | 18.5353% | 2,046 |
| Memoranda: | ||
| Average total assets | $113,829,000 | 4,098 |
| Average earning assets | $104,900,000 | 4,107 |
| Average equity | $11,923,500 | 4,227 |
| Average total loans | $82,434,500 | 3,753 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3695% | 1,915 |
| Cost of funding earning assets | 0.5890% | 1,415 |
| Net interest margin | 3.7804% | 2,389 |
| Noninterest income to average assets | 0.4977% | 3,255 |
| Noninterest expense to average assets | 2.3398% | 4,457 |
| Loan and lease loss provision to assets | 0.0594% | 3,198 |
| Net operating income to assets | 1.5812% | 712 |
| Return on assets (ROA) | 1.5812% | 740 |
| Pretax return on assets | 1.5812% | 1,339 |
| Return on Equity (ROE) | 15.4908% | 564 |
| Retained earnings to average equity (ytd only) | 8.8872% | 611 |
| Net charge-offs to loans | 0.0273% | 3,488 |
| Credit loss provision to net charge-offs | 300.0000% | 977 |
| Earnings coverage of net charge-offs (x) | 82.8636% | 698 |
| Efficiency ratio | 58.7836% | 4,748 |
| Assets per employee ($millions) | 5.1448% | 2,237 |
| Cash dividends to net income (ytd only)* | 42.6295% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 2,980 |
| Loan loss allowance to noncurrent loans | 717.1429% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.6238% | 2,860 |
| Noncurrent loans to loans | 0.1706% | 4,554 |
| Net loans and leases to total assets | 71.6043% | 2,221 |
| Net loans and leases to deposits | 84.0761% | 2,403 |
| Net loans and leases to core deposits | 89.8027% | 2,522 |
| Total domestic deposits to total assets | 85.1660% | 2,976 |
| Equity capital to assets | 10.4854% | 3,173 |
| Core capital (leverage) ratio | 11.0033% | 2,328 |
| Tier 1 risk-based capital ratio | 17.2642% | 2,070 |
| Total risk-based capital ratio | 18.5172% | 2,028 |
| Memoranda: | ||
| Average total assets | $111,120,800 | 4,144 |
| Average earning assets | $102,369,000 | 4,156 |
| Average equity | $11,342,200 | 4,369 |
| Average total loans | $80,558,200 | 3,792 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3644% | 1,961 |
| Cost of funding earning assets | 0.5871% | 1,436 |
| Net interest margin | 3.7774% | 2,419 |
| Noninterest income to average assets | 0.4906% | 3,319 |
| Noninterest expense to average assets | 2.3109% | 4,508 |
| Loan and lease loss provision to assets | 0.0675% | 2,871 |
| Net operating income to assets | 1.5948% | 739 |
| Return on assets (ROA) | 1.5948% | 778 |
| Pretax return on assets | 1.5948% | 1,392 |
| Return on Equity (ROE) | 15.7345% | 577 |
| Retained earnings to average equity (ytd only) | 9.1220% | 783 |
| Net charge-offs to loans | 0.0366% | 2,897 |
| Credit loss provision to net charge-offs | 254.5455% | 1,185 |
| Earnings coverage of net charge-offs (x) | 62.6874% | 924 |
| Efficiency ratio | 58.1614% | 4,791 |
| Assets per employee ($millions) | 4.8736% | 2,535 |
| Cash dividends to net income (ytd only)* | 42.0253% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 3,198 |
| Loan loss allowance to noncurrent loans | 1,227.1605% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.5959% | 3,123 |
| Noncurrent loans to loans | 0.0983% | 4,949 |
| Net loans and leases to total assets | 72.6269% | 2,084 |
| Net loans and leases to deposits | 85.5289% | 2,313 |
| Net loans and leases to core deposits | 91.9657% | 2,382 |
| Total domestic deposits to total assets | 84.9151% | 2,840 |
| Equity capital to assets | 10.3683% | 3,722 |
| Core capital (leverage) ratio | 10.8475% | 2,626 |
| Tier 1 risk-based capital ratio | 16.7461% | 2,322 |
| Total risk-based capital ratio | 17.9982% | 2,269 |
| Memoranda: | ||
| Average total assets | $110,604,500 | 4,179 |
| Average earning assets | $101,973,000 | 4,191 |
| Average equity | $11,210,750 | 4,433 |
| Average total loans | $80,185,250 | 3,819 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3303% | 2,051 |
| Cost of funding earning assets | 0.5910% | 1,389 |
| Net interest margin | 3.7393% | 2,555 |
| Noninterest income to average assets | 0.4741% | 3,373 |
| Noninterest expense to average assets | 2.2905% | 4,637 |
| Loan and lease loss provision to assets | 0.0563% | 3,014 |
| Net operating income to assets | 1.5748% | 768 |
| Return on assets (ROA) | 1.5748% | 809 |
| Pretax return on assets | 1.5748% | 1,441 |
| Return on Equity (ROE) | 15.6588% | 583 |
| Retained earnings to average equity (ytd only) | 8.7595% | 920 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4067% | 4,844 |
| Assets per employee ($millions) | 4.8630% | 2,462 |
| Cash dividends to net income (ytd only)* | 44.0600% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 3,251 |
| Loan loss allowance to noncurrent loans | 423.5043% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.6679% | 3,000 |
| Noncurrent loans to loans | 0.2880% | 4,343 |
| Net loans and leases to total assets | 71.7577% | 2,211 |
| Net loans and leases to deposits | 84.7842% | 2,373 |
| Net loans and leases to core deposits | 91.1932% | 2,421 |
| Total domestic deposits to total assets | 84.6357% | 3,032 |
| Equity capital to assets | 10.1538% | 4,021 |
| Core capital (leverage) ratio | 10.7874% | 2,668 |
| Tier 1 risk-based capital ratio | 16.4878% | 2,436 |
| Total risk-based capital ratio | 17.7394% | 2,379 |
| Memoranda: | ||
| Average total assets | $110,108,670 | 4,224 |
| Average earning assets | $101,516,330 | 4,239 |
| Average equity | $11,073,670 | 4,482 |
| Average total loans | $79,446,000 | 3,857 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3224% | 2,057 |
| Cost of funding earning assets | 0.6249% | 1,186 |
| Net interest margin | 3.6975% | 2,678 |
| Noninterest income to average assets | 0.3662% | 4,104 |
| Noninterest expense to average assets | 2.3215% | 4,605 |
| Loan and lease loss provision to assets | 0.0183% | 3,450 |
| Net operating income to assets | 1.4281% | 985 |
| Return on assets (ROA) | 1.4281% | 1,031 |
| Pretax return on assets | 1.4281% | 1,808 |
| Return on Equity (ROE) | 14.2700% | 792 |
| Retained earnings to average equity (ytd only) | 6.6593% | 2,054 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6132% | 4,505 |
| Assets per employee ($millions) | 5.0466% | 2,294 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 3,335 |
| Loan loss allowance to noncurrent loans | 1,855.7692% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.5828% | 3,317 |
| Noncurrent loans to loans | 0.0661% | 5,212 |
| Net loans and leases to total assets | 70.0401% | 2,335 |
| Net loans and leases to deposits | 80.2175% | 2,762 |
| Net loans and leases to core deposits | 87.9561% | 2,570 |
| Total domestic deposits to total assets | 87.3128% | 2,044 |
| Equity capital to assets | 9.9338% | 4,168 |
| Core capital (leverage) ratio | 10.5380% | 2,916 |
| Tier 1 risk-based capital ratio | 16.6795% | 2,406 |
| Total risk-based capital ratio | 17.9320% | 2,351 |
| Memoranda: | ||
| Average total assets | $109,238,000 | 4,276 |
| Average earning assets | $100,499,500 | 4,288 |
| Average equity | $10,932,000 | 4,524 |
| Average total loans | $78,543,000 | 3,897 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3565% | 2,038 |
| Cost of funding earning assets | 0.6292% | 1,182 |
| Net interest margin | 3.7274% | 2,655 |
| Noninterest income to average assets | 0.4244% | 3,859 |
| Noninterest expense to average assets | 2.3983% | 4,521 |
| Loan and lease loss provision to assets | 0.0330% | 3,706 |
| Net operating income to assets | 1.4571% | 937 |
| Return on assets (ROA) | 1.4571% | 965 |
| Pretax return on assets | 1.4571% | 1,690 |
| Return on Equity (ROE) | 14.7697% | 722 |
| Retained earnings to average equity (ytd only) | 8.6420% | 744 |
| Net charge-offs to loans | 0.0339% | 3,529 |
| Credit loss provision to net charge-offs | 134.6154% | 1,945 |
| Earnings coverage of net charge-offs (x) | 60.7692% | 860 |
| Efficiency ratio | 61.6784% | 4,660 |
| Assets per employee ($millions) | 4.8841% | 2,491 |
| Cash dividends to net income (ytd only)* | 41.4887% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 3,326 |
| Loan loss allowance to noncurrent loans | 2,042.5532% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.8553% | 2,529 |
| Noncurrent loans to loans | 0.0600% | 5,278 |
| Net loans and leases to total assets | 72.0319% | 2,045 |
| Net loans and leases to deposits | 84.1047% | 2,347 |
| Net loans and leases to core deposits | 91.9676% | 2,228 |
| Total domestic deposits to total assets | 85.6456% | 2,788 |
| Equity capital to assets | 10.0837% | 3,874 |
| Core capital (leverage) ratio | 10.7297% | 2,678 |
| Tier 1 risk-based capital ratio | 16.3449% | 2,549 |
| Total risk-based capital ratio | 17.5975% | 2,505 |
| Memoranda: | ||
| Average total assets | $106,035,200 | 4,332 |
| Average earning assets | $98,541,600 | 4,325 |
| Average equity | $10,460,600 | 4,574 |
| Average total loans | $76,669,800 | 3,920 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3284% | 2,143 |
| Cost of funding earning assets | 0.6328% | 1,192 |
| Net interest margin | 3.6956% | 2,790 |
| Noninterest income to average assets | 0.3848% | 4,187 |
| Noninterest expense to average assets | 2.3794% | 4,571 |
| Loan and lease loss provision to assets | 0.0378% | 3,455 |
| Net operating income to assets | 1.4155% | 1,073 |
| Return on assets (ROA) | 1.4155% | 1,118 |
| Pretax return on assets | 1.4155% | 1,946 |
| Return on Equity (ROE) | 14.4300% | 823 |
| Retained earnings to average equity (ytd only) | 8.3468% | 1,113 |
| Net charge-offs to loans | 0.0420% | 3,045 |
| Credit loss provision to net charge-offs | 125.0000% | 1,923 |
| Earnings coverage of net charge-offs (x) | 47.9988% | 1,088 |
| Efficiency ratio | 62.0803% | 4,558 |
| Assets per employee ($millions) | 4.7886% | 2,577 |
| Cash dividends to net income (ytd only)* | 42.1569% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 3,443 |
| Loan loss allowance to noncurrent loans | 1,840.3846% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.8771% | 2,688 |
| Noncurrent loans to loans | 0.0673% | 5,347 |
| Net loans and leases to total assets | 72.4876% | 1,984 |
| Net loans and leases to deposits | 84.0858% | 2,402 |
| Net loans and leases to core deposits | 92.0493% | 2,260 |
| Total domestic deposits to total assets | 86.2068% | 2,434 |
| Equity capital to assets | 10.1491% | 3,995 |
| Core capital (leverage) ratio | 10.2424% | 3,315 |
| Tier 1 risk-based capital ratio | 16.5320% | 2,556 |
| Total risk-based capital ratio | 17.7842% | 2,518 |
| Memoranda: | ||
| Average total assets | $105,681,250 | 4,387 |
| Average earning assets | $98,601,500 | 4,369 |
| Average equity | $10,367,000 | 4,641 |
| Average total loans | $76,247,500 | 3,971 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2891% | 2,206 |
| Cost of funding earning assets | 0.6341% | 1,204 |
| Net interest margin | 3.6550% | 2,894 |
| Noninterest income to average assets | 0.3497% | 4,456 |
| Noninterest expense to average assets | 2.3745% | 4,640 |
| Loan and lease loss provision to assets | 0.0567% | 2,965 |
| Net operating income to assets | 1.3290% | 1,241 |
| Return on assets (ROA) | 1.3290% | 1,288 |
| Pretax return on assets | 1.3290% | 2,248 |
| Return on Equity (ROE) | 13.7055% | 960 |
| Retained earnings to average equity (ytd only) | 7.7593% | 1,363 |
| Net charge-offs to loans | 0.0158% | 3,390 |
| Credit loss provision to net charge-offs | 500.0000% | 619 |
| Earnings coverage of net charge-offs (x) | 122.1667% | 516 |
| Efficiency ratio | 63.1473% | 4,490 |
| Assets per employee ($millions) | 4.6481% | 2,750 |
| Cash dividends to net income (ytd only)* | 43.3855% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 3,328 |
| Loan loss allowance to noncurrent loans | 750.0000% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.9887% | 2,550 |
| Noncurrent loans to loans | 0.1713% | 5,084 |
| Net loans and leases to total assets | 70.0731% | 2,299 |
| Net loans and leases to deposits | 81.0536% | 2,660 |
| Net loans and leases to core deposits | 88.3231% | 2,522 |
| Total domestic deposits to total assets | 86.4527% | 2,456 |
| Equity capital to assets | 9.7318% | 4,369 |
| Core capital (leverage) ratio | 9.8902% | 3,752 |
| Tier 1 risk-based capital ratio | 16.3611% | 2,678 |
| Total risk-based capital ratio | 17.6147% | 2,636 |
| Memoranda: | ||
| Average total assets | $105,792,000 | 4,425 |
| Average earning assets | $98,715,000 | 4,405 |
| Average equity | $10,258,670 | 4,692 |
| Average total loans | $75,889,330 | 4,002 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2860% | 2,142 |
| Cost of funding earning assets | 0.6362% | 1,197 |
| Net interest margin | 3.6499% | 2,817 |
| Noninterest income to average assets | 0.4523% | 3,622 |
| Noninterest expense to average assets | 2.3452% | 4,754 |
| Loan and lease loss provision to assets | 0.0570% | 2,789 |
| Net operating income to assets | 1.4520% | 934 |
| Return on assets (ROA) | 1.4520% | 997 |
| Pretax return on assets | 1.4520% | 1,717 |
| Return on Equity (ROE) | 15.0010% | 711 |
| Retained earnings to average equity (ytd only) | 9.6210% | 1,015 |
| Net charge-offs to loans | 0.0053% | 3,137 |
| Credit loss provision to net charge-offs | 1,500.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 397.0000% | 139 |
| Efficiency ratio | 60.8481% | 4,983 |
| Assets per employee ($millions) | 4.6988% | 2,769 |
| Cash dividends to net income (ytd only)* | 35.8639% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 3,580 |
| Loan loss allowance to noncurrent loans | 1,122.0930% | 485 |
| Noncurrent assets plus other real estate owned to assets | 1.0188% | 2,586 |
| Noncurrent loans to loans | 0.1132% | 5,358 |
| Net loans and leases to total assets | 69.4185% | 2,217 |
| Net loans and leases to deposits | 80.4491% | 2,515 |
| Net loans and leases to core deposits | 87.7799% | 2,351 |
| Total domestic deposits to total assets | 86.2888% | 2,774 |
| Equity capital to assets | 9.5483% | 4,695 |
| Core capital (leverage) ratio | 9.8880% | 3,767 |
| Tier 1 risk-based capital ratio | 15.9946% | 2,926 |
| Total risk-based capital ratio | 17.2476% | 2,856 |
| Memoranda: | ||
| Average total assets | $105,234,500 | 4,474 |
| Average earning assets | $98,086,000 | 4,452 |
| Average equity | $10,186,000 | 4,740 |
| Average total loans | $75,890,000 | 4,028 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4547% | 2,049 |
| Cost of funding earning assets | 0.6701% | 1,265 |
| Net interest margin | 3.7846% | 2,679 |
| Noninterest income to average assets | 0.4056% | 4,144 |
| Noninterest expense to average assets | 2.5308% | 4,451 |
| Loan and lease loss provision to assets | 0.1484% | 1,771 |
| Net operating income to assets | 1.2298% | 1,498 |
| Return on assets (ROA) | 1.2298% | 1,551 |
| Pretax return on assets | 1.2298% | 2,532 |
| Return on Equity (ROE) | 12.6777% | 1,216 |
| Retained earnings to average equity (ytd only) | 3.8859% | 3,452 |
| Net charge-offs to loans | 0.1679% | 2,355 |
| Credit loss provision to net charge-offs | 120.0000% | 1,999 |
| Earnings coverage of net charge-offs (x) | 11.1440% | 2,536 |
| Efficiency ratio | 64.7431% | 4,448 |
| Assets per employee ($millions) | 4.4520% | 3,117 |
| Cash dividends to net income (ytd only)* | 69.3484% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 3,697 |
| Loan loss allowance to noncurrent loans | 1,940.8163% | 336 |
| Noncurrent assets plus other real estate owned to assets | 1.0391% | 2,662 |
| Noncurrent loans to loans | 0.0646% | 5,619 |
| Net loans and leases to total assets | 73.0900% | 1,739 |
| Net loans and leases to deposits | 85.2735% | 2,068 |
| Net loans and leases to core deposits | 93.2855% | 1,968 |
| Total domestic deposits to total assets | 85.7125% | 2,978 |
| Equity capital to assets | 9.8177% | 4,327 |
| Core capital (leverage) ratio | 9.9834% | 3,587 |
| Tier 1 risk-based capital ratio | 14.9594% | 3,506 |
| Total risk-based capital ratio | 16.2110% | 3,446 |
| Memoranda: | ||
| Average total assets | $101,073,200 | 4,577 |
| Average earning assets | $93,564,200 | 4,565 |
| Average equity | $9,804,600 | 4,789 |
| Average total loans | $74,444,400 | 4,043 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4360% | 2,093 |
| Cost of funding earning assets | 0.6771% | 1,280 |
| Net interest margin | 3.7589% | 2,778 |
| Noninterest income to average assets | 0.3626% | 4,529 |
| Noninterest expense to average assets | 2.4722% | 4,609 |
| Loan and lease loss provision to assets | 0.1588% | 1,571 |
| Net operating income to assets | 1.2070% | 1,660 |
| Return on assets (ROA) | 1.2070% | 1,724 |
| Pretax return on assets | 1.2070% | 2,747 |
| Return on Equity (ROE) | 12.4811% | 1,344 |
| Retained earnings to average equity (ytd only) | 2.9287% | 4,511 |
| Net charge-offs to loans | 0.0108% | 4,358 |
| Credit loss provision to net charge-offs | 2,000.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 171.9963% | 361 |
| Efficiency ratio | 64.4138% | 4,479 |
| Assets per employee ($millions) | 4.3749% | 3,171 |
| Cash dividends to net income (ytd only)* | 76.5348% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 3,169 |
| Loan loss allowance to noncurrent loans | 152.0468% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 1.4112% | 2,186 |
| Noncurrent loans to loans | 0.9218% | 3,259 |
| Net loans and leases to total assets | 72.7090% | 1,727 |
| Net loans and leases to deposits | 84.8393% | 2,053 |
| Net loans and leases to core deposits | 92.9998% | 1,954 |
| Total domestic deposits to total assets | 85.7021% | 3,014 |
| Equity capital to assets | 9.8566% | 4,346 |
| Core capital (leverage) ratio | 9.6613% | 4,135 |
| Tier 1 risk-based capital ratio | 15.0526% | 3,556 |
| Total risk-based capital ratio | 16.3074% | 3,488 |
| Memoranda: | ||
| Average total assets | $100,742,250 | 4,628 |
| Average earning assets | $93,144,500 | 4,620 |
| Average equity | $9,742,500 | 4,840 |
| Average total loans | $74,107,250 | 4,084 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4225% | 2,097 |
| Cost of funding earning assets | 0.6751% | 1,341 |
| Net interest margin | 3.7474% | 2,773 |
| Noninterest income to average assets | 0.4644% | 3,754 |
| Noninterest expense to average assets | 2.4508% | 4,737 |
| Loan and lease loss provision to assets | 0.0893% | 2,536 |
| Net operating income to assets | 1.3832% | 1,101 |
| Return on assets (ROA) | 1.3832% | 1,144 |
| Pretax return on assets | 1.3832% | 1,956 |
| Return on Equity (ROE) | 14.3949% | 890 |
| Retained earnings to average equity (ytd only) | 2.7881% | 4,426 |
| Net charge-offs to loans | 0.0108% | 4,042 |
| Credit loss provision to net charge-offs | 1,125.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 185.5000% | 341 |
| Efficiency ratio | 62.4684% | 4,949 |
| Assets per employee ($millions) | 4.4403% | 3,020 |
| Cash dividends to net income (ytd only)* | 80.6313% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 3,907 |
| Loan loss allowance to noncurrent loans | 138.7374% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 1.4825% | 2,202 |
| Noncurrent loans to loans | 0.9295% | 3,391 |
| Net loans and leases to total assets | 72.4787% | 1,651 |
| Net loans and leases to deposits | 85.2865% | 1,891 |
| Net loans and leases to core deposits | 94.3604% | 1,743 |
| Total domestic deposits to total assets | 84.9826% | 3,519 |
| Equity capital to assets | 9.6213% | 4,599 |
| Core capital (leverage) ratio | 9.6069% | 4,165 |
| Tier 1 risk-based capital ratio | 14.8689% | 3,703 |
| Total risk-based capital ratio | 16.1215% | 3,648 |
| Memoranda: | ||
| Average total assets | $100,782,000 | 4,670 |
| Average earning assets | $93,025,000 | 4,660 |
| Average equity | $9,684,000 | 4,868 |
| Average total loans | $74,075,670 | 4,099 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4186% | 2,067 |
| Cost of funding earning assets | 0.6815% | 1,352 |
| Net interest margin | 3.7372% | 2,721 |
| Noninterest income to average assets | 0.4675% | 3,652 |
| Noninterest expense to average assets | 2.4933% | 4,646 |
| Loan and lease loss provision to assets | 0.0999% | 2,260 |
| Net operating income to assets | 1.3146% | 1,178 |
| Return on assets (ROA) | 1.3146% | 1,222 |
| Pretax return on assets | 1.3146% | 2,049 |
| Return on Equity (ROE) | 13.6898% | 1,002 |
| Retained earnings to average equity (ytd only) | -3.3704% | 6,003 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8037% | 4,888 |
| Assets per employee ($millions) | 4.4113% | 3,129 |
| Cash dividends to net income (ytd only)* | 124.6201% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 4,161 |
| Loan loss allowance to noncurrent loans | 115.2727% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.4429% | 2,461 |
| Noncurrent loans to loans | 1.1218% | 3,181 |
| Net loans and leases to total assets | 71.5481% | 1,644 |
| Net loans and leases to deposits | 84.4555% | 1,777 |
| Net loans and leases to core deposits | 92.2061% | 1,712 |
| Total domestic deposits to total assets | 84.7170% | 3,991 |
| Equity capital to assets | 9.4363% | 4,582 |
| Core capital (leverage) ratio | 9.4684% | 4,328 |
| Tier 1 risk-based capital ratio | 14.7656% | 3,842 |
| Total risk-based capital ratio | 16.0190% | 3,787 |
| Memoranda: | ||
| Average total assets | $100,109,000 | 4,733 |
| Average earning assets | $92,155,000 | 4,723 |
| Average equity | $9,613,000 | 4,906 |
| Average total loans | $73,619,500 | 4,144 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6186% | 1,807 |
| Cost of funding earning assets | 0.7168% | 1,698 |
| Net interest margin | 3.9018% | 2,274 |
| Noninterest income to average assets | 0.4373% | 4,178 |
| Noninterest expense to average assets | 2.4828% | 4,822 |
| Loan and lease loss provision to assets | 0.0720% | 3,670 |
| Net operating income to assets | 1.5063% | 814 |
| Return on assets (ROA) | 1.5063% | 851 |
| Pretax return on assets | 1.5063% | 1,425 |
| Return on Equity (ROE) | 15.2481% | 716 |
| Retained earnings to average equity (ytd only) | 2.5309% | 4,453 |
| Net charge-offs to loans | 0.0391% | 4,681 |
| Credit loss provision to net charge-offs | 250.0000% | 904 |
| Earnings coverage of net charge-offs (x) | 54.7857% | 742 |
| Efficiency ratio | 61.1350% | 5,342 |
| Assets per employee ($millions) | 4.4890% | 2,921 |
| Cash dividends to net income (ytd only)* | 83.4016% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 4,365 |
| Loan loss allowance to noncurrent loans | 236.8286% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 1.0429% | 3,334 |
| Noncurrent loans to loans | 0.5306% | 4,666 |
| Net loans and leases to total assets | 73.6844% | 1,402 |
| Net loans and leases to deposits | 88.3753% | 1,423 |
| Net loans and leases to core deposits | 97.7684% | 1,319 |
| Total domestic deposits to total assets | 83.3767% | 4,404 |
| Equity capital to assets | 9.7733% | 4,071 |
| Core capital (leverage) ratio | 9.8299% | 3,805 |
| Tier 1 risk-based capital ratio | 14.7953% | 3,787 |
| Total risk-based capital ratio | 16.0468% | 3,729 |
| Memoranda: | ||
| Average total assets | $97,190,600 | 4,809 |
| Average earning assets | $90,265,000 | 4,766 |
| Average equity | $9,601,200 | 4,949 |
| Average total loans | $71,600,000 | 4,202 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6106% | 1,865 |
| Cost of funding earning assets | 0.7321% | 1,727 |
| Net interest margin | 3.8785% | 2,348 |
| Noninterest income to average assets | 0.4325% | 4,282 |
| Noninterest expense to average assets | 2.4642% | 4,826 |
| Loan and lease loss provision to assets | 0.0758% | 3,541 |
| Net operating income to assets | 1.4972% | 903 |
| Return on assets (ROA) | 1.4972% | 947 |
| Pretax return on assets | 1.4972% | 1,617 |
| Return on Equity (ROE) | 15.1150% | 783 |
| Retained earnings to average equity (ytd only) | 0.4310% | 5,801 |
| Net charge-offs to loans | 0.0281% | 4,561 |
| Credit loss provision to net charge-offs | 366.6667% | 716 |
| Earnings coverage of net charge-offs (x) | 76.1315% | 620 |
| Efficiency ratio | 61.0372% | 5,280 |
| Assets per employee ($millions) | 4.2377% | 3,352 |
| Cash dividends to net income (ytd only)* | 97.1476% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 4,508 |
| Loan loss allowance to noncurrent loans | 162.6761% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 1.0814% | 3,497 |
| Noncurrent loans to loans | 0.7858% | 4,277 |
| Net loans and leases to total assets | 73.2166% | 1,414 |
| Net loans and leases to deposits | 86.9685% | 1,494 |
| Net loans and leases to core deposits | 97.0529% | 1,309 |
| Total domestic deposits to total assets | 84.1875% | 4,116 |
| Equity capital to assets | 9.6781% | 4,325 |
| Core capital (leverage) ratio | 9.6376% | 4,190 |
| Tier 1 risk-based capital ratio | 14.8620% | 3,839 |
| Total risk-based capital ratio | 16.1143% | 3,795 |
| Memoranda: | ||
| Average total assets | $96,798,500 | 4,860 |
| Average earning assets | $89,964,500 | 4,813 |
| Average equity | $9,588,500 | 5,008 |
| Average total loans | $71,076,000 | 4,260 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5861% | 1,893 |
| Cost of funding earning assets | 0.7503% | 1,709 |
| Net interest margin | 3.8359% | 2,422 |
| Noninterest income to average assets | 0.4411% | 4,240 |
| Noninterest expense to average assets | 2.4478% | 4,906 |
| Loan and lease loss provision to assets | 0.0725% | 3,590 |
| Net operating income to assets | 1.4890% | 920 |
| Return on assets (ROA) | 1.4890% | 990 |
| Pretax return on assets | 1.4890% | 1,652 |
| Return on Equity (ROE) | 14.9165% | 824 |
| Retained earnings to average equity (ytd only) | 3.7343% | 3,928 |
| Net charge-offs to loans | 0.0283% | 4,297 |
| Credit loss provision to net charge-offs | 350.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 75.4000% | 602 |
| Efficiency ratio | 61.0537% | 5,323 |
| Assets per employee ($millions) | 4.2797% | 3,208 |
| Cash dividends to net income (ytd only)* | 74.9652% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 4,634 |
| Loan loss allowance to noncurrent loans | 288.5714% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.9204% | 3,947 |
| Noncurrent loans to loans | 0.4408% | 5,160 |
| Net loans and leases to total assets | 71.6789% | 1,627 |
| Net loans and leases to deposits | 83.5682% | 1,859 |
| Net loans and leases to core deposits | 95.0261% | 1,441 |
| Total domestic deposits to total assets | 85.7729% | 3,491 |
| Equity capital to assets | 9.6615% | 4,367 |
| Core capital (leverage) ratio | 9.7325% | 3,893 |
| Tier 1 risk-based capital ratio | 15.3549% | 3,560 |
| Total risk-based capital ratio | 16.6077% | 3,518 |
| Memoranda: | ||
| Average total assets | $96,575,670 | 4,904 |
| Average earning assets | $89,836,000 | 4,852 |
| Average equity | $9,640,330 | 5,023 |
| Average total loans | $70,672,670 | 4,287 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6057% | 1,809 |
| Cost of funding earning assets | 0.7654% | 1,746 |
| Net interest margin | 3.8403% | 2,318 |
| Noninterest income to average assets | 0.4600% | 4,049 |
| Noninterest expense to average assets | 2.5134% | 4,707 |
| Loan and lease loss provision to assets | 0.0836% | 3,256 |
| Net operating income to assets | 1.4303% | 984 |
| Return on assets (ROA) | 1.4303% | 1,063 |
| Pretax return on assets | 1.4303% | 1,770 |
| Return on Equity (ROE) | 14.0951% | 944 |
| Retained earnings to average equity (ytd only) | 8.3664% | 1,619 |
| Net charge-offs to loans | 0.0285% | 3,630 |
| Credit loss provision to net charge-offs | 400.0000% | 633 |
| Earnings coverage of net charge-offs (x) | 72.4000% | 505 |
| Efficiency ratio | 62.4091% | 5,251 |
| Assets per employee ($millions) | 4.6658% | 2,710 |
| Cash dividends to net income (ytd only)* | 40.6433% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 4,812 |
| Loan loss allowance to noncurrent loans | 278.8820% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.9328% | 4,064 |
| Noncurrent loans to loans | 0.4577% | 5,274 |
| Net loans and leases to total assets | 70.8783% | 1,535 |
| Net loans and leases to deposits | 83.0877% | 1,695 |
| Net loans and leases to core deposits | 93.3905% | 1,386 |
| Total domestic deposits to total assets | 85.3055% | 3,897 |
| Equity capital to assets | 9.9937% | 4,160 |
| Core capital (leverage) ratio | 9.9516% | 3,453 |
| Tier 1 risk-based capital ratio | 15.8640% | 3,344 |
| Total risk-based capital ratio | 17.1169% | 3,304 |
| Memoranda: | ||
| Average total assets | $95,647,500 | 4,955 |
| Average earning assets | $88,847,000 | 4,914 |
| Average equity | $9,705,500 | 5,066 |
| Average total loans | $70,277,000 | 4,335 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0127% | 1,528 |
| Cost of funding earning assets | 0.9363% | 1,728 |
| Net interest margin | 4.0764% | 2,099 |
| Noninterest income to average assets | 0.4098% | 4,529 |
| Noninterest expense to average assets | 2.5415% | 4,956 |
| Loan and lease loss provision to assets | 0.0629% | 4,977 |
| Net operating income to assets | 1.5678% | 799 |
| Return on assets (ROA) | 1.5678% | 876 |
| Pretax return on assets | 1.5678% | 1,465 |
| Return on Equity (ROE) | 15.4122% | 744 |
| Retained earnings to average equity (ytd only) | 5.5531% | 2,346 |
| Net charge-offs to loans | 0.0320% | 5,467 |
| Credit loss provision to net charge-offs | 263.6364% | 911 |
| Earnings coverage of net charge-offs (x) | 68.3636% | 531 |
| Efficiency ratio | 60.9148% | 5,399 |
| Assets per employee ($millions) | 4.6657% | 2,687 |
| Cash dividends to net income (ytd only)* | 63.9696% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 4,830 |
| Loan loss allowance to noncurrent loans | 496.0674% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.7748% | 4,522 |
| Noncurrent loans to loans | 0.2535% | 5,845 |
| Net loans and leases to total assets | 74.2930% | 1,154 |
| Net loans and leases to deposits | 87.9558% | 1,279 |
| Net loans and leases to core deposits | 100.5453% | 995 |
| Total domestic deposits to total assets | 84.4663% | 4,095 |
| Equity capital to assets | 10.3083% | 3,748 |
| Core capital (leverage) ratio | 10.0193% | 3,373 |
| Tier 1 risk-based capital ratio | 15.5604% | 3,391 |
| Total risk-based capital ratio | 16.8128% | 3,352 |
| Memoranda: | ||
| Average total assets | $92,229,400 | 5,019 |
| Average earning assets | $85,123,400 | 4,986 |
| Average equity | $9,382,200 | 5,132 |
| Average total loans | $68,730,200 | 4,400 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0362% | 1,591 |
| Cost of funding earning assets | 0.9714% | 1,731 |
| Net interest margin | 4.0648% | 2,233 |
| Noninterest income to average assets | 0.4248% | 4,441 |
| Noninterest expense to average assets | 2.5156% | 5,033 |
| Loan and lease loss provision to assets | 0.0623% | 4,932 |
| Net operating income to assets | 1.5963% | 853 |
| Return on assets (ROA) | 1.5963% | 952 |
| Pretax return on assets | 1.5963% | 1,585 |
| Return on Equity (ROE) | 15.7456% | 777 |
| Retained earnings to average equity (ytd only) | 2.5170% | 5,063 |
| Net charge-offs to loans | 0.0312% | 5,208 |
| Credit loss provision to net charge-offs | 268.7500% | 1,014 |
| Earnings coverage of net charge-offs (x) | 71.5096% | 577 |
| Efficiency ratio | 60.2640% | 5,455 |
| Assets per employee ($millions) | 4.2082% | 3,454 |
| Cash dividends to net income (ytd only)* | 84.0146% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 4,960 |
| Loan loss allowance to noncurrent loans | 616.1972% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.8760% | 4,532 |
| Noncurrent loans to loans | 0.2057% | 6,095 |
| Net loans and leases to total assets | 73.6066% | 1,303 |
| Net loans and leases to deposits | 87.0429% | 1,478 |
| Net loans and leases to core deposits | 99.5835% | 1,155 |
| Total domestic deposits to total assets | 84.5636% | 3,949 |
| Equity capital to assets | 10.0680% | 4,395 |
| Core capital (leverage) ratio | 9.1009% | 4,914 |
| Tier 1 risk-based capital ratio | 14.9794% | 3,864 |
| Total risk-based capital ratio | 16.2312% | 3,811 |
| Memoranda: | ||
| Average total assets | $91,958,500 | 5,080 |
| Average earning assets | $84,823,000 | 5,047 |
| Average equity | $9,323,000 | 5,194 |
| Average total loans | $68,360,750 | 4,454 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0549% | 1,649 |
| Cost of funding earning assets | 0.9996% | 1,763 |
| Net interest margin | 4.0553% | 2,269 |
| Noninterest income to average assets | 0.3945% | 4,692 |
| Noninterest expense to average assets | 2.5024% | 5,128 |
| Loan and lease loss provision to assets | 0.0937% | 4,383 |
| Net operating income to assets | 1.5389% | 934 |
| Return on assets (ROA) | 1.5389% | 1,047 |
| Pretax return on assets | 1.5389% | 1,752 |
| Return on Equity (ROE) | 15.1443% | 914 |
| Retained earnings to average equity (ytd only) | 6.3709% | 2,459 |
| Net charge-offs to loans | 0.0264% | 5,014 |
| Credit loss provision to net charge-offs | 477.7778% | 633 |
| Earnings coverage of net charge-offs (x) | 83.2222% | 493 |
| Efficiency ratio | 60.5166% | 5,494 |
| Assets per employee ($millions) | 4.2346% | 3,392 |
| Cash dividends to net income (ytd only)* | 57.9320% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 5,009 |
| Loan loss allowance to noncurrent loans | 303.0928% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.7471% | 4,928 |
| Noncurrent loans to loans | 0.4209% | 5,692 |
| Net loans and leases to total assets | 73.2724% | 1,358 |
| Net loans and leases to deposits | 87.7516% | 1,393 |
| Net loans and leases to core deposits | 100.4444% | 1,067 |
| Total domestic deposits to total assets | 83.4997% | 4,529 |
| Equity capital to assets | 10.1329% | 4,145 |
| Core capital (leverage) ratio | 9.3273% | 4,415 |
| Tier 1 risk-based capital ratio | 15.3606% | 3,536 |
| Total risk-based capital ratio | 16.6138% | 3,489 |
| Memoranda: | ||
| Average total assets | $91,751,330 | 5,115 |
| Average earning assets | $84,630,330 | 5,086 |
| Average equity | $9,323,670 | 5,200 |
| Average total loans | $68,141,000 | 4,484 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1253% | 1,509 |
| Cost of funding earning assets | 1.0690% | 1,564 |
| Net interest margin | 4.0564% | 2,270 |
| Noninterest income to average assets | 0.5448% | 3,595 |
| Noninterest expense to average assets | 2.5613% | 4,954 |
| Loan and lease loss provision to assets | 0.0703% | 4,525 |
| Net operating income to assets | 1.6475% | 799 |
| Return on assets (ROA) | 1.6475% | 891 |
| Pretax return on assets | 1.6475% | 1,439 |
| Return on Equity (ROE) | 16.1891% | 775 |
| Retained earnings to average equity (ytd only) | 10.7064% | 1,108 |
| Net charge-offs to loans | 0.0473% | 4,044 |
| Credit loss provision to net charge-offs | 200.0000% | 1,332 |
| Earnings coverage of net charge-offs (x) | 48.8750% | 644 |
| Efficiency ratio | 59.8563% | 5,635 |
| Assets per employee ($millions) | 4.1671% | 3,648 |
| Cash dividends to net income (ytd only)* | 33.8667% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 5,179 |
| Loan loss allowance to noncurrent loans | 807.5472% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.6523% | 5,259 |
| Noncurrent loans to loans | 0.1568% | 6,366 |
| Net loans and leases to total assets | 72.8274% | 1,252 |
| Net loans and leases to deposits | 86.2565% | 1,387 |
| Net loans and leases to core deposits | 98.3516% | 1,105 |
| Total domestic deposits to total assets | 84.4312% | 4,311 |
| Equity capital to assets | 10.2163% | 3,834 |
| Core capital (leverage) ratio | 9.3878% | 4,212 |
| Tier 1 risk-based capital ratio | 15.5848% | 3,399 |
| Total risk-based capital ratio | 16.8375% | 3,365 |
| Memoranda: | ||
| Average total assets | $91,046,000 | 5,175 |
| Average earning assets | $83,819,000 | 5,151 |
| Average equity | $9,265,500 | 5,226 |
| Average total loans | $67,639,500 | 4,532 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2312% | 1,945 |
| Cost of funding earning assets | 1.2942% | 1,510 |
| Net interest margin | 3.9370% | 3,169 |
| Noninterest income to average assets | 0.4906% | 3,920 |
| Noninterest expense to average assets | 2.6138% | 5,044 |
| Loan and lease loss provision to assets | 0.0843% | 5,554 |
| Net operating income to assets | 1.4367% | 954 |
| Return on assets (ROA) | 1.4367% | 1,035 |
| Pretax return on assets | 1.4367% | 1,662 |
| Return on Equity (ROE) | 14.8504% | 776 |
| Retained earnings to average equity (ytd only) | 4.8218% | 2,769 |
| Net charge-offs to loans | 0.1097% | 5,271 |
| Credit loss provision to net charge-offs | 105.4795% | 3,246 |
| Earnings coverage of net charge-offs (x) | 19.0274% | 1,186 |
| Efficiency ratio | 63.2150% | 5,257 |
| Assets per employee ($millions) | 3.9311% | 4,006 |
| Cash dividends to net income (ytd only)* | 67.5305% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 5,149 |
| Loan loss allowance to noncurrent loans | 931.8681% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.8107% | 5,009 |
| Noncurrent loans to loans | 0.1345% | 6,473 |
| Net loans and leases to total assets | 73.8915% | 1,291 |
| Net loans and leases to deposits | 89.9010% | 1,165 |
| Net loans and leases to core deposits | 103.0192% | 963 |
| Total domestic deposits to total assets | 82.1921% | 5,064 |
| Equity capital to assets | 10.1366% | 3,988 |
| Core capital (leverage) ratio | 9.8859% | 3,473 |
| Tier 1 risk-based capital ratio | 14.9891% | 3,647 |
| Total risk-based capital ratio | 16.2411% | 3,604 |
| Memoranda: | ||
| Average total assets | $91,322,000 | 5,152 |
| Average earning assets | $84,531,000 | 5,106 |
| Average equity | $8,834,800 | 5,327 |
| Average total loans | $66,543,200 | 4,609 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2282% | 2,098 |
| Cost of funding earning assets | 1.3393% | 1,503 |
| Net interest margin | 3.8889% | 3,437 |
| Noninterest income to average assets | 0.4762% | 4,075 |
| Noninterest expense to average assets | 2.5909% | 5,116 |
| Loan and lease loss provision to assets | 0.0932% | 5,300 |
| Net operating income to assets | 1.3952% | 1,165 |
| Return on assets (ROA) | 1.3952% | 1,243 |
| Pretax return on assets | 1.3952% | 1,954 |
| Return on Equity (ROE) | 14.5940% | 925 |
| Retained earnings to average equity (ytd only) | 1.0969% | 5,584 |
| Net charge-offs to loans | 0.1489% | 4,578 |
| Credit loss provision to net charge-offs | 86.4865% | 3,900 |
| Earnings coverage of net charge-offs (x) | 13.8114% | 1,584 |
| Efficiency ratio | 63.5130% | 5,153 |
| Assets per employee ($millions) | 3.9291% | 4,008 |
| Cash dividends to net income (ytd only)* | 92.4841% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 5,239 |
| Loan loss allowance to noncurrent loans | 8,340.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.6307% | 5,559 |
| Noncurrent loans to loans | 0.0150% | 6,910 |
| Net loans and leases to total assets | 72.8251% | 1,543 |
| Net loans and leases to deposits | 87.1036% | 1,540 |
| Net loans and leases to core deposits | 99.5417% | 1,293 |
| Total domestic deposits to total assets | 83.6074% | 4,427 |
| Equity capital to assets | 9.7510% | 4,702 |
| Core capital (leverage) ratio | 9.4222% | 4,268 |
| Tier 1 risk-based capital ratio | 14.6431% | 3,877 |
| Total risk-based capital ratio | 15.8948% | 3,851 |
| Memoranda: | ||
| Average total assets | $91,548,750 | 5,179 |
| Average earning assets | $84,819,500 | 5,129 |
| Average equity | $8,752,250 | 5,373 |
| Average total loans | $66,264,750 | 4,664 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1817% | 2,338 |
| Cost of funding earning assets | 1.3699% | 1,549 |
| Net interest margin | 3.8118% | 3,722 |
| Noninterest income to average assets | 0.4916% | 3,933 |
| Noninterest expense to average assets | 2.5386% | 5,401 |
| Loan and lease loss provision to assets | 0.1022% | 5,033 |
| Net operating income to assets | 1.3857% | 1,113 |
| Return on assets (ROA) | 1.3857% | 1,182 |
| Pretax return on assets | 1.3857% | 1,837 |
| Return on Equity (ROE) | 14.5895% | 875 |
| Retained earnings to average equity (ytd only) | 5.6113% | 2,638 |
| Net charge-offs to loans | 0.1149% | 4,553 |
| Credit loss provision to net charge-offs | 123.6842% | 2,464 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,275 |
| Efficiency ratio | 63.0470% | 5,401 |
| Assets per employee ($millions) | 4.0170% | 3,717 |
| Cash dividends to net income (ytd only)* | 61.5385% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 5,088 |
| Loan loss allowance to noncurrent loans | 361.0169% | 886 |
| Noncurrent assets plus other real estate owned to assets | 1.0824% | 4,719 |
| Noncurrent loans to loans | 0.3582% | 6,194 |
| Net loans and leases to total assets | 70.3824% | 2,139 |
| Net loans and leases to deposits | 84.4660% | 2,038 |
| Net loans and leases to core deposits | 97.8144% | 1,518 |
| Total domestic deposits to total assets | 83.3263% | 4,618 |
| Equity capital to assets | 9.6568% | 4,592 |
| Core capital (leverage) ratio | 9.3038% | 4,246 |
| Tier 1 risk-based capital ratio | 14.7992% | 3,613 |
| Total risk-based capital ratio | 16.0525% | 3,583 |
| Memoranda: | ||
| Average total assets | $91,941,670 | 5,212 |
| Average earning assets | $85,261,670 | 5,146 |
| Average equity | $8,732,330 | 5,400 |
| Average total loans | $66,137,670 | 4,725 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2207% | 2,155 |
| Cost of funding earning assets | 1.3900% | 1,665 |
| Net interest margin | 3.8307% | 3,463 |
| Noninterest income to average assets | 0.5059% | 3,836 |
| Noninterest expense to average assets | 2.5775% | 5,303 |
| Loan and lease loss provision to assets | 0.0654% | 5,178 |
| Net operating income to assets | 1.4087% | 1,047 |
| Return on assets (ROA) | 1.4087% | 1,084 |
| Pretax return on assets | 1.4087% | 1,705 |
| Return on Equity (ROE) | 14.9580% | 827 |
| Retained earnings to average equity (ytd only) | 9.7250% | 1,173 |
| Net charge-offs to loans | 0.0543% | 4,394 |
| Credit loss provision to net charge-offs | 166.6667% | 1,724 |
| Earnings coverage of net charge-offs (x) | 37.5556% | 715 |
| Efficiency ratio | 63.6168% | 5,428 |
| Assets per employee ($millions) | 4.2365% | 3,375 |
| Cash dividends to net income (ytd only)* | 34.9845% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2793% | 5,236 |
| Loan loss allowance to noncurrent loans | 293.1034% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.9731% | 4,952 |
| Noncurrent loans to loans | 0.4365% | 6,134 |
| Net loans and leases to total assets | 70.3725% | 2,058 |
| Net loans and leases to deposits | 84.6039% | 1,939 |
| Net loans and leases to core deposits | 98.3358% | 1,490 |
| Total domestic deposits to total assets | 83.1788% | 4,863 |
| Equity capital to assets | 9.3934% | 4,586 |
| Core capital (leverage) ratio | 9.3719% | 4,013 |
| Tier 1 risk-based capital ratio | 14.5195% | 3,724 |
| Total risk-based capital ratio | 15.7711% | 3,688 |
| Memoranda: | ||
| Average total assets | $91,717,000 | 5,249 |
| Average earning assets | $84,893,000 | 5,191 |
| Average equity | $8,637,500 | 5,425 |
| Average total loans | $66,267,000 | 4,756 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5083% | 2,246 |
| Cost of funding earning assets | 1.6222% | 1,943 |
| Net interest margin | 3.8861% | 3,556 |
| Noninterest income to average assets | 0.5075% | 4,111 |
| Noninterest expense to average assets | 2.6452% | 5,239 |
| Loan and lease loss provision to assets | 0.1420% | 5,764 |
| Net operating income to assets | 1.3199% | 1,124 |
| Return on assets (ROA) | 1.3199% | 1,193 |
| Pretax return on assets | 1.3199% | 1,885 |
| Return on Equity (ROE) | 14.3157% | 827 |
| Retained earnings to average equity (ytd only) | 4.6565% | 2,635 |
| Net charge-offs to loans | 0.0929% | 5,920 |
| Credit loss provision to net charge-offs | 211.4754% | 1,447 |
| Earnings coverage of net charge-offs (x) | 21.7705% | 955 |
| Efficiency ratio | 64.4063% | 5,280 |
| Assets per employee ($millions) | 3.9230% | 3,957 |
| Cash dividends to net income (ytd only)* | 67.4729% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 5,133 |
| Loan loss allowance to noncurrent loans | 1,094.8052% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.7802% | 5,452 |
| Noncurrent loans to loans | 0.1165% | 6,853 |
| Net loans and leases to total assets | 72.3163% | 2,025 |
| Net loans and leases to deposits | 87.2643% | 1,897 |
| Net loans and leases to core deposits | 102.9374% | 1,393 |
| Total domestic deposits to total assets | 82.8704% | 4,852 |
| Equity capital to assets | 9.4425% | 4,479 |
| Core capital (leverage) ratio | 9.1402% | 4,284 |
| Tier 1 risk-based capital ratio | 14.1551% | 3,764 |
| Total risk-based capital ratio | 15.4074% | 3,720 |
| Memoranda: | ||
| Average total assets | $90,842,400 | 5,263 |
| Average earning assets | $84,145,000 | 5,209 |
| Average equity | $8,375,400 | 5,593 |
| Average total loans | $65,631,200 | 4,839 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4998% | 2,433 |
| Cost of funding earning assets | 1.6550% | 2,075 |
| Net interest margin | 3.8448% | 3,776 |
| Noninterest income to average assets | 0.4366% | 4,661 |
| Noninterest expense to average assets | 2.6228% | 5,235 |
| Loan and lease loss provision to assets | 0.1832% | 5,213 |
| Net operating income to assets | 1.1912% | 1,613 |
| Return on assets (ROA) | 1.1912% | 1,705 |
| Pretax return on assets | 1.1912% | 2,522 |
| Return on Equity (ROE) | 12.9984% | 1,247 |
| Retained earnings to average equity (ytd only) | 0.0639% | 5,752 |
| Net charge-offs to loans | 0.0794% | 5,730 |
| Credit loss provision to net charge-offs | 320.5128% | 986 |
| Earnings coverage of net charge-offs (x) | 24.0508% | 1,040 |
| Efficiency ratio | 65.6158% | 4,944 |
| Assets per employee ($millions) | 4.1644% | 3,515 |
| Cash dividends to net income (ytd only)* | 99.5083% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3035% | 4,948 |
| Loan loss allowance to noncurrent loans | 917.0213% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.9562% | 5,177 |
| Noncurrent loans to loans | 0.1421% | 6,891 |
| Net loans and leases to total assets | 71.2386% | 2,420 |
| Net loans and leases to deposits | 86.1393% | 2,308 |
| Net loans and leases to core deposits | 101.2897% | 1,722 |
| Total domestic deposits to total assets | 82.7017% | 4,715 |
| Equity capital to assets | 9.0716% | 5,487 |
| Core capital (leverage) ratio | 8.7103% | 5,164 |
| Tier 1 risk-based capital ratio | 13.6775% | 4,065 |
| Total risk-based capital ratio | 14.9305% | 4,022 |
| Memoranda: | ||
| Average total assets | $90,995,500 | 5,323 |
| Average earning assets | $84,267,250 | 5,258 |
| Average equity | $8,339,250 | 5,680 |
| Average total loans | $65,515,500 | 4,924 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4869% | 2,581 |
| Cost of funding earning assets | 1.6791% | 2,232 |
| Net interest margin | 3.8078% | 3,864 |
| Noninterest income to average assets | 0.4119% | 4,811 |
| Noninterest expense to average assets | 2.6237% | 5,233 |
| Loan and lease loss provision to assets | 0.1983% | 4,885 |
| Net operating income to assets | 1.1169% | 1,795 |
| Return on assets (ROA) | 1.1169% | 1,862 |
| Pretax return on assets | 1.1169% | 2,724 |
| Return on Equity (ROE) | 12.1456% | 1,416 |
| Retained earnings to average equity (ytd only) | 4.0725% | 3,491 |
| Net charge-offs to loans | 0.1102% | 5,062 |
| Credit loss provision to net charge-offs | 250.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 16.5833% | 1,393 |
| Efficiency ratio | 66.6107% | 4,862 |
| Assets per employee ($millions) | 3.9984% | 3,774 |
| Cash dividends to net income (ytd only)* | 66.4694% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 5,200 |
| Loan loss allowance to noncurrent loans | 263.4921% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.8895% | 5,337 |
| Noncurrent loans to loans | 0.4735% | 6,305 |
| Net loans and leases to total assets | 71.4388% | 2,554 |
| Net loans and leases to deposits | 86.0564% | 2,494 |
| Net loans and leases to core deposits | 101.3186% | 1,886 |
| Total domestic deposits to total assets | 83.0140% | 4,570 |
| Equity capital to assets | 9.1568% | 5,205 |
| Core capital (leverage) ratio | 8.8810% | 4,787 |
| Tier 1 risk-based capital ratio | 13.8984% | 3,801 |
| Total risk-based capital ratio | 15.1507% | 3,761 |
| Memoranda: | ||
| Average total assets | $90,788,670 | 5,361 |
| Average earning assets | $84,091,330 | 5,292 |
| Average equity | $8,348,670 | 5,686 |
| Average total loans | $65,311,330 | 4,967 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4805% | 2,686 |
| Cost of funding earning assets | 1.7262% | 2,262 |
| Net interest margin | 3.7544% | 3,987 |
| Noninterest income to average assets | 0.3725% | 5,161 |
| Noninterest expense to average assets | 2.4789% | 5,809 |
| Loan and lease loss provision to assets | 0.1996% | 4,510 |
| Net operating income to assets | 1.1663% | 1,628 |
| Return on assets (ROA) | 1.1663% | 1,707 |
| Pretax return on assets | 1.1663% | 2,488 |
| Return on Equity (ROE) | 12.6556% | 1,338 |
| Retained earnings to average equity (ytd only) | 7.8436% | 1,772 |
| Net charge-offs to loans | 0.0865% | 4,556 |
| Credit loss provision to net charge-offs | 321.4286% | 1,234 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,103 |
| Efficiency ratio | 64.4752% | 5,397 |
| Assets per employee ($millions) | 4.0002% | 3,874 |
| Cash dividends to net income (ytd only)* | 38.0228% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 5,251 |
| Loan loss allowance to noncurrent loans | 727.0270% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.6097% | 5,996 |
| Noncurrent loans to loans | 0.1713% | 6,991 |
| Net loans and leases to total assets | 69.5571% | 3,043 |
| Net loans and leases to deposits | 83.8522% | 2,961 |
| Net loans and leases to core deposits | 98.5039% | 2,296 |
| Total domestic deposits to total assets | 82.9520% | 4,653 |
| Equity capital to assets | 9.1006% | 5,133 |
| Core capital (leverage) ratio | 9.0895% | 4,395 |
| Tier 1 risk-based capital ratio | 14.3989% | 3,440 |
| Total risk-based capital ratio | 15.6519% | 3,401 |
| Memoranda: | ||
| Average total assets | $90,201,000 | 5,445 |
| Average earning assets | $83,422,500 | 5,383 |
| Average equity | $8,312,500 | 5,736 |
| Average total loans | $64,703,000 | 5,053 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9485% | 2,052 |
| Cost of funding earning assets | 2.1008% | 2,457 |
| Net interest margin | 3.8477% | 3,494 |
| Noninterest income to average assets | 0.5023% | 4,386 |
| Noninterest expense to average assets | 2.7261% | 5,267 |
| Loan and lease loss provision to assets | 0.1480% | 6,182 |
| Net operating income to assets | 1.1888% | 1,271 |
| Return on assets (ROA) | 1.1888% | 1,322 |
| Pretax return on assets | 1.1888% | 1,985 |
| Return on Equity (ROE) | 13.0102% | 957 |
| Retained earnings to average equity (ytd only) | 10.1148% | 361 |
| Net charge-offs to loans | 0.0537% | 6,563 |
| Credit loss provision to net charge-offs | 373.5294% | 851 |
| Earnings coverage of net charge-offs (x) | 33.7353% | 689 |
| Efficiency ratio | 67.0970% | 5,164 |
| Assets per employee ($millions) | 3.6832% | 4,556 |
| Cash dividends to net income (ytd only)* | 22.2549% | 3,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 5,354 |
| Loan loss allowance to noncurrent loans | 263.9456% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.8869% | 5,328 |
| Noncurrent loans to loans | 0.4551% | 6,358 |
| Net loans and leases to total assets | 72.2049% | 2,703 |
| Net loans and leases to deposits | 87.9535% | 2,562 |
| Net loans and leases to core deposits | 113.8710% | 2,510 |
| Total domestic deposits to total assets | 82.0944% | 4,905 |
| Equity capital to assets | 9.3352% | 4,658 |
| Core capital (leverage) ratio | 9.1624% | 4,178 |
| Tier 1 risk-based capital ratio | 14.1928% | 3,385 |
| Total risk-based capital ratio | 15.4440% | 3,341 |
| Memoranda: | ||
| Average total assets | $85,800,600 | 5,533 |
| Average earning assets | $79,398,000 | 5,477 |
| Average equity | $7,840,000 | 5,984 |
| Average total loans | $63,262,400 | 5,123 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9837% | 2,105 |
| Cost of funding earning assets | 2.1590% | 2,605 |
| Net interest margin | 3.8247% | 3,552 |
| Noninterest income to average assets | 0.5026% | 4,462 |
| Noninterest expense to average assets | 2.7777% | 4,988 |
| Loan and lease loss provision to assets | 0.1284% | 6,069 |
| Net operating income to assets | 1.1415% | 1,605 |
| Return on assets (ROA) | 1.1415% | 1,678 |
| Pretax return on assets | 1.1415% | 2,444 |
| Return on Equity (ROE) | 12.5628% | 1,217 |
| Retained earnings to average equity (ytd only) | 8.6509% | 930 |
| Net charge-offs to loans | 0.0466% | 6,259 |
| Credit loss provision to net charge-offs | 372.7273% | 1,085 |
| Earnings coverage of net charge-offs (x) | 36.8670% | 796 |
| Efficiency ratio | 68.6267% | 4,859 |
| Assets per employee ($millions) | 3.7800% | 4,227 |
| Cash dividends to net income (ytd only)* | 31.1385% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 5,440 |
| Loan loss allowance to noncurrent loans | 195.0131% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 1.0087% | 5,060 |
| Noncurrent loans to loans | 0.5871% | 6,136 |
| Net loans and leases to total assets | 73.7834% | 2,594 |
| Net loans and leases to deposits | 90.0576% | 2,571 |
| Net loans and leases to core deposits | 116.2902% | 2,592 |
| Total domestic deposits to total assets | 81.9291% | 4,700 |
| Equity capital to assets | 9.1970% | 5,171 |
| Core capital (leverage) ratio | 9.0869% | 4,517 |
| Tier 1 risk-based capital ratio | 13.6099% | 3,771 |
| Total risk-based capital ratio | 14.8603% | 3,713 |
| Memoranda: | ||
| Average total assets | $85,151,500 | 5,584 |
| Average earning assets | $78,923,250 | 5,526 |
| Average equity | $7,737,000 | 6,070 |
| Average total loans | $62,927,250 | 5,171 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0242% | 2,078 |
| Cost of funding earning assets | 2.2220% | 2,695 |
| Net interest margin | 3.8022% | 3,542 |
| Noninterest income to average assets | 0.5062% | 4,395 |
| Noninterest expense to average assets | 2.8502% | 4,735 |
| Loan and lease loss provision to assets | 0.0993% | 6,180 |
| Net operating income to assets | 1.0739% | 1,858 |
| Return on assets (ROA) | 1.0739% | 1,936 |
| Pretax return on assets | 1.0739% | 2,720 |
| Return on Equity (ROE) | 11.8682% | 1,457 |
| Retained earnings to average equity (ytd only) | 7.6856% | 1,323 |
| Net charge-offs to loans | 0.0321% | 6,007 |
| Credit loss provision to net charge-offs | 420.0000% | 1,100 |
| Earnings coverage of net charge-offs (x) | 49.6000% | 686 |
| Efficiency ratio | 70.8407% | 4,618 |
| Assets per employee ($millions) | 3.4993% | 4,818 |
| Cash dividends to net income (ytd only)* | 35.2423% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 5,355 |
| Loan loss allowance to noncurrent loans | 357.5000% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.8287% | 5,328 |
| Noncurrent loans to loans | 0.3178% | 6,715 |
| Net loans and leases to total assets | 74.0885% | 2,679 |
| Net loans and leases to deposits | 88.2467% | 3,132 |
| Net loans and leases to core deposits | 113.6270% | 2,955 |
| Total domestic deposits to total assets | 83.9561% | 3,797 |
| Equity capital to assets | 9.2139% | 4,994 |
| Core capital (leverage) ratio | 8.5899% | 5,281 |
| Tier 1 risk-based capital ratio | 13.4562% | 3,839 |
| Total risk-based capital ratio | 14.6997% | 3,787 |
| Memoranda: | ||
| Average total assets | $84,555,000 | 5,628 |
| Average earning assets | $78,217,330 | 5,590 |
| Average equity | $7,650,670 | 6,131 |
| Average total loans | $62,272,670 | 5,247 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9971% | 2,382 |
| Cost of funding earning assets | 2.2105% | 3,116 |
| Net interest margin | 3.7866% | 3,505 |
| Noninterest income to average assets | 0.5186% | 4,148 |
| Noninterest expense to average assets | 2.5836% | 5,523 |
| Loan and lease loss provision to assets | 0.0990% | 5,696 |
| Net operating income to assets | 1.3248% | 1,325 |
| Return on assets (ROA) | 1.3248% | 1,429 |
| Pretax return on assets | 1.3248% | 2,196 |
| Return on Equity (ROE) | 14.7759% | 1,021 |
| Retained earnings to average equity (ytd only) | 14.7759% | 441 |
| Net charge-offs to loans | -0.0065% | 7,210 |
| Credit loss provision to net charge-offs | -2,100.0000% | 6,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4706% | 5,599 |
| Assets per employee ($millions) | 3.7128% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 5,244 |
| Loan loss allowance to noncurrent loans | 449.0446% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.7126% | 5,375 |
| Noncurrent loans to loans | 0.2522% | 6,815 |
| Net loans and leases to total assets | 69.0616% | 3,897 |
| Net loans and leases to deposits | 83.2123% | 4,104 |
| Net loans and leases to core deposits | 106.0050% | 3,916 |
| Total domestic deposits to total assets | 82.9944% | 4,153 |
| Equity capital to assets | 8.6930% | 5,776 |
| Core capital (leverage) ratio | 8.8842% | 4,877 |
| Tier 1 risk-based capital ratio | 13.2458% | 4,028 |
| Total risk-based capital ratio | 14.4878% | 3,948 |
| Memoranda: | ||
| Average total assets | $84,841,500 | 5,648 |
| Average earning assets | $78,171,000 | 5,617 |
| Average equity | $7,607,000 | 6,184 |
| Average total loans | $61,941,000 | 5,291 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7870% | 1,727 |
| Cost of funding earning assets | 2.8245% | 2,608 |
| Net interest margin | 3.9625% | 3,299 |
| Noninterest income to average assets | 0.6026% | 3,828 |
| Noninterest expense to average assets | 2.7353% | 5,112 |
| Loan and lease loss provision to assets | 0.0971% | 6,144 |
| Net operating income to assets | 1.4031% | 1,219 |
| Return on assets (ROA) | 1.4031% | 1,177 |
| Pretax return on assets | 1.4031% | 1,966 |
| Return on Equity (ROE) | 15.4740% | 855 |
| Retained earnings to average equity (ytd only) | 4.2152% | 2,496 |
| Net charge-offs to loans | 0.0368% | 6,289 |
| Credit loss provision to net charge-offs | 354.5455% | 1,264 |
| Earnings coverage of net charge-offs (x) | 54.7727% | 719 |
| Efficiency ratio | 64.5797% | 5,428 |
| Assets per employee ($millions) | 3.5033% | 4,649 |
| Cash dividends to net income (ytd only)* | 72.7595% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 5,217 |
| Loan loss allowance to noncurrent loans | 1,552.2727% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.4877% | 5,749 |
| Noncurrent loans to loans | 0.0714% | 7,218 |
| Net loans and leases to total assets | 75.6494% | 2,719 |
| Net loans and leases to deposits | 92.0452% | 3,129 |
| Net loans and leases to core deposits | 123.3528% | 2,374 |
| Total domestic deposits to total assets | 82.1872% | 4,126 |
| Equity capital to assets | 9.2682% | 4,975 |
| Core capital (leverage) ratio | 9.0515% | 4,671 |
| Tier 1 risk-based capital ratio | 13.1879% | 3,999 |
| Total risk-based capital ratio | 14.4325% | 3,921 |
| Memoranda: | ||
| Average total assets | $80,321,600 | 5,692 |
| Average earning assets | $73,640,800 | 5,677 |
| Average equity | $7,283,200 | 6,357 |
| Average total loans | $59,803,800 | 5,276 |