Home > First Bank of Newton > Performance and Condition Ratios
First Bank of Newton, Performance and Condition Ratios
| 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 | 5.1732% | 1,098 |
| Cost of funding earning assets | 0.8128% | 2,642 |
| Net interest margin | 4.3604% | 1,034 |
| Noninterest income to average assets | 0.5201% | 2,605 |
| Noninterest expense to average assets | 3.2453% | 1,379 |
| Loan and lease loss provision to assets | 0.4277% | 305 |
| Net operating income to assets | 0.5975% | 4,297 |
| Return on assets (ROA) | 0.5975% | 4,347 |
| Pretax return on assets | 0.6389% | 4,469 |
| Return on Equity (ROE) | 5.6533% | 4,146 |
| Retained earnings to average equity (ytd only) | -0.0385% | 4,762 |
| Net charge-offs to loans | 0.1739% | 974 |
| Credit loss provision to net charge-offs | 297.1698% | 957 |
| Earnings coverage of net charge-offs (x) | 7.4104% | 2,743 |
| Efficiency ratio | 73.4215% | 1,650 |
| Assets per employee ($millions) | 4.5968% | 3,056 |
| Cash dividends to net income (ytd only)* | 100.6818% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0368% | 5,196 |
| Loan loss allowance to noncurrent loans | 2.5517% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 1.2978% | 935 |
| Noncurrent loans to loans | 1.4428% | 1,057 |
| Net loans and leases to total assets | 77.8616% | 1,167 |
| Net loans and leases to deposits | 90.1401% | 1,681 |
| Net loans and leases to core deposits | 94.4748% | 2,138 |
| Total domestic deposits to total assets | 86.3784% | 1,834 |
| Equity capital to assets | 12.4860% | 1,918 |
| Core capital (leverage) ratio | 9.5415% | 4,125 |
| Tier 1 risk-based capital ratio | 12.0795% | 4,379 |
| Total risk-based capital ratio | 12.1180% | 4,861 |
| Memoranda: | ||
| Average total assets | $196,383,500 | 2,893 |
| Average earning assets | $170,774,250 | 3,001 |
| Average equity | $20,754,250 | 3,082 |
| Average total loans | $162,556,000 | 2,507 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9900% | 1,511 |
| Cost of funding earning assets | 0.7827% | 2,726 |
| Net interest margin | 4.2073% | 1,345 |
| Noninterest income to average assets | 0.5226% | 2,554 |
| Noninterest expense to average assets | 2.9780% | 2,064 |
| Loan and lease loss provision to assets | 0.3600% | 354 |
| Net operating income to assets | 0.9176% | 3,216 |
| Return on assets (ROA) | 0.9176% | 3,276 |
| Pretax return on assets | 0.9114% | 3,812 |
| Return on Equity (ROE) | 9.2654% | 2,747 |
| Retained earnings to average equity (ytd only) | 3.8329% | 3,329 |
| Net charge-offs to loans | 0.1875% | 883 |
| Credit loss provision to net charge-offs | 227.2727% | 1,099 |
| Earnings coverage of net charge-offs (x) | 8.0260% | 2,443 |
| Efficiency ratio | 70.0799% | 2,213 |
| Assets per employee ($millions) | 4.0577% | 3,795 |
| Cash dividends to net income (ytd only)* | 58.6323% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3931% | 1,643 |
| Loan loss allowance to noncurrent loans | 98.8860% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 1.2820% | 1,002 |
| Noncurrent loans to loans | 1.4088% | 1,101 |
| Net loans and leases to total assets | 82.1620% | 585 |
| Net loans and leases to deposits | 91.5300% | 1,555 |
| Net loans and leases to core deposits | 95.7152% | 2,099 |
| Total domestic deposits to total assets | 89.7650% | 399 |
| Equity capital to assets | 9.7662% | 4,176 |
| Core capital (leverage) ratio | 10.0102% | 3,572 |
| Tier 1 risk-based capital ratio | 13.3635% | 3,650 |
| Total risk-based capital ratio | 14.6333% | 3,538 |
| Memoranda: | ||
| Average total assets | $194,425,000 | 2,917 |
| Average earning assets | $172,225,330 | 2,999 |
| Average equity | $19,254,330 | 3,223 |
| Average total loans | $164,228,000 | 2,493 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8224% | 1,843 |
| Cost of funding earning assets | 0.7385% | 2,846 |
| Net interest margin | 4.0839% | 1,596 |
| Noninterest income to average assets | 0.5369% | 2,357 |
| Noninterest expense to average assets | 2.9591% | 2,110 |
| Loan and lease loss provision to assets | 0.2601% | 550 |
| Net operating income to assets | 1.0342% | 2,727 |
| Return on assets (ROA) | 1.0342% | 2,765 |
| Pretax return on assets | 0.9655% | 3,564 |
| Return on Equity (ROE) | 10.3690% | 2,208 |
| Retained earnings to average equity (ytd only) | 5.1532% | 2,841 |
| Net charge-offs to loans | 0.1125% | 1,061 |
| Credit loss provision to net charge-offs | 271.7391% | 883 |
| Earnings coverage of net charge-offs (x) | 12.8043% | 1,854 |
| Efficiency ratio | 70.7111% | 2,237 |
| Assets per employee ($millions) | 3.7633% | 4,252 |
| Cash dividends to net income (ytd only)* | 50.3018% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 1,899 |
| Loan loss allowance to noncurrent loans | 113.7662% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 1.2080% | 1,105 |
| Noncurrent loans to loans | 1.1809% | 1,408 |
| Net loans and leases to total assets | 85.4713% | 238 |
| Net loans and leases to deposits | 95.9011% | 976 |
| Net loans and leases to core deposits | 100.3056% | 1,593 |
| Total domestic deposits to total assets | 89.1245% | 803 |
| Equity capital to assets | 10.2548% | 3,570 |
| Core capital (leverage) ratio | 10.2289% | 3,352 |
| Tier 1 risk-based capital ratio | 13.7278% | 3,479 |
| Total risk-based capital ratio | 14.9969% | 3,378 |
| Memoranda: | ||
| Average total assets | $192,223,500 | 2,973 |
| Average earning assets | $171,699,000 | 3,035 |
| Average equity | $19,172,500 | 3,242 |
| Average total loans | $163,507,500 | 2,525 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6260% | 2,062 |
| Cost of funding earning assets | 0.5973% | 2,742 |
| Net interest margin | 4.0287% | 1,896 |
| Noninterest income to average assets | 0.5054% | 2,811 |
| Noninterest expense to average assets | 2.8914% | 2,384 |
| Loan and lease loss provision to assets | 0.0778% | 2,572 |
| Net operating income to assets | 1.1839% | 2,247 |
| Return on assets (ROA) | 1.1839% | 2,242 |
| Pretax return on assets | 1.2389% | 2,744 |
| Return on Equity (ROE) | 12.2743% | 1,619 |
| Retained earnings to average equity (ytd only) | 5.4224% | 2,521 |
| Net charge-offs to loans | 0.0964% | 1,799 |
| Credit loss provision to net charge-offs | 94.9367% | 2,639 |
| Earnings coverage of net charge-offs (x) | 16.0759% | 2,278 |
| Efficiency ratio | 68.7115% | 2,431 |
| Assets per employee ($millions) | 3.8486% | 4,105 |
| Cash dividends to net income (ytd only)* | 55.8231% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 2,109 |
| Loan loss allowance to noncurrent loans | 220.8159% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.7000% | 1,978 |
| Noncurrent loans to loans | 0.5829% | 2,542 |
| Net loans and leases to total assets | 82.4767% | 595 |
| Net loans and leases to deposits | 91.7404% | 1,583 |
| Net loans and leases to core deposits | 95.8484% | 2,075 |
| Total domestic deposits to total assets | 89.9022% | 509 |
| Equity capital to assets | 9.7050% | 3,944 |
| Core capital (leverage) ratio | 10.0739% | 3,493 |
| Tier 1 risk-based capital ratio | 13.3197% | 3,650 |
| Total risk-based capital ratio | 14.5881% | 3,529 |
| Memoranda: | ||
| Average total assets | $192,914,000 | 2,934 |
| Average earning assets | $177,303,400 | 2,953 |
| Average equity | $18,608,000 | 3,228 |
| Average total loans | $163,855,000 | 2,489 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5471% | 2,135 |
| Cost of funding earning assets | 0.5735% | 2,674 |
| Net interest margin | 3.9736% | 2,036 |
| Noninterest income to average assets | 0.5172% | 2,758 |
| Noninterest expense to average assets | 2.9044% | 2,292 |
| Loan and lease loss provision to assets | 0.1041% | 1,928 |
| Net operating income to assets | 1.1454% | 2,456 |
| Return on assets (ROA) | 1.1454% | 2,471 |
| Pretax return on assets | 1.2023% | 2,972 |
| Return on Equity (ROE) | 11.8931% | 1,827 |
| Retained earnings to average equity (ytd only) | 6.6745% | 2,291 |
| Net charge-offs to loans | 0.0855% | 1,654 |
| Credit loss provision to net charge-offs | 142.8571% | 1,770 |
| Earnings coverage of net charge-offs (x) | 17.9234% | 2,085 |
| Efficiency ratio | 68.9746% | 2,361 |
| Assets per employee ($millions) | 3.5957% | 4,440 |
| Cash dividends to net income (ytd only)* | 43.8787% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 1,985 |
| Loan loss allowance to noncurrent loans | 232.9386% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.7910% | 1,876 |
| Noncurrent loans to loans | 0.5684% | 2,674 |
| Net loans and leases to total assets | 86.2545% | 240 |
| Net loans and leases to deposits | 97.3160% | 1,014 |
| Net loans and leases to core deposits | 102.6614% | 1,548 |
| Total domestic deposits to total assets | 88.6334% | 987 |
| Equity capital to assets | 10.1435% | 3,499 |
| Core capital (leverage) ratio | 10.0410% | 3,590 |
| Tier 1 risk-based capital ratio | 13.5026% | 3,627 |
| Total risk-based capital ratio | 14.7720% | 3,529 |
| Memoranda: | ||
| Average total assets | $192,072,250 | 2,971 |
| Average earning assets | $178,540,250 | 2,960 |
| Average equity | $18,497,750 | 3,259 |
| Average total loans | $163,819,500 | 2,508 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4468% | 2,271 |
| Cost of funding earning assets | 0.5502% | 2,604 |
| Net interest margin | 3.8966% | 2,209 |
| Noninterest income to average assets | 0.4934% | 2,900 |
| Noninterest expense to average assets | 2.9210% | 2,287 |
| Loan and lease loss provision to assets | 0.0258% | 3,401 |
| Net operating income to assets | 1.1199% | 2,520 |
| Return on assets (ROA) | 1.1199% | 2,521 |
| Pretax return on assets | 1.1797% | 3,008 |
| Return on Equity (ROE) | 11.8310% | 1,787 |
| Retained earnings to average equity (ytd only) | 6.6515% | 2,229 |
| Net charge-offs to loans | 0.0244% | 2,373 |
| Credit loss provision to net charge-offs | 125.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 58.4000% | 1,014 |
| Efficiency ratio | 70.7854% | 2,196 |
| Assets per employee ($millions) | 4.0813% | 3,759 |
| Cash dividends to net income (ytd only)* | 43.7788% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 2,205 |
| Loan loss allowance to noncurrent loans | 301.7045% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.5559% | 2,565 |
| Noncurrent loans to loans | 0.4284% | 3,166 |
| Net loans and leases to total assets | 82.8091% | 608 |
| Net loans and leases to deposits | 91.9298% | 1,590 |
| Net loans and leases to core deposits | 97.8149% | 1,905 |
| Total domestic deposits to total assets | 90.0786% | 546 |
| Equity capital to assets | 9.5202% | 4,078 |
| Core capital (leverage) ratio | 9.7556% | 3,837 |
| Tier 1 risk-based capital ratio | 13.2251% | 3,777 |
| Total risk-based capital ratio | 14.4937% | 3,688 |
| Memoranda: | ||
| Average total assets | $193,770,670 | 2,964 |
| Average earning assets | $180,670,000 | 2,955 |
| Average equity | $18,341,670 | 3,297 |
| Average total loans | $163,946,000 | 2,517 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3472% | 2,362 |
| Cost of funding earning assets | 0.4995% | 2,799 |
| Net interest margin | 3.8477% | 2,236 |
| Noninterest income to average assets | 0.5438% | 2,558 |
| Noninterest expense to average assets | 3.0056% | 2,047 |
| Loan and lease loss provision to assets | 0.0519% | 2,735 |
| Net operating income to assets | 1.0794% | 2,525 |
| Return on assets (ROA) | 1.0794% | 2,542 |
| Pretax return on assets | 1.1479% | 2,974 |
| Return on Equity (ROE) | 11.4364% | 1,794 |
| Retained earnings to average equity (ytd only) | 6.4880% | 2,508 |
| Net charge-offs to loans | 0.0195% | 2,107 |
| Credit loss provision to net charge-offs | 312.5000% | 791 |
| Earnings coverage of net charge-offs (x) | 72.2500% | 754 |
| Efficiency ratio | 71.4709% | 2,267 |
| Assets per employee ($millions) | 3.6345% | 4,495 |
| Cash dividends to net income (ytd only)* | 43.2692% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 2,146 |
| Loan loss allowance to noncurrent loans | 236.2832% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.7111% | 2,190 |
| Noncurrent loans to loans | 0.5590% | 2,858 |
| Net loans and leases to total assets | 84.4401% | 394 |
| Net loans and leases to deposits | 94.6553% | 1,173 |
| Net loans and leases to core deposits | 100.3130% | 1,662 |
| Total domestic deposits to total assets | 89.2080% | 1,005 |
| Equity capital to assets | 9.7015% | 3,881 |
| Core capital (leverage) ratio | 9.2542% | 4,377 |
| Tier 1 risk-based capital ratio | 13.3912% | 3,723 |
| Total risk-based capital ratio | 14.6453% | 3,637 |
| Memoranda: | ||
| Average total assets | $192,706,000 | 3,009 |
| Average earning assets | $183,384,000 | 2,959 |
| Average equity | $18,187,500 | 3,339 |
| Average total loans | $163,745,500 | 2,535 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2472% | 2,507 |
| Cost of funding earning assets | 0.2690% | 4,408 |
| Net interest margin | 3.9782% | 1,818 |
| Noninterest income to average assets | 0.5440% | 2,755 |
| Noninterest expense to average assets | 2.8748% | 2,535 |
| Loan and lease loss provision to assets | 0.2074% | 974 |
| Net operating income to assets | 1.2139% | 1,473 |
| Return on assets (ROA) | 1.2139% | 1,502 |
| Pretax return on assets | 1.2735% | 2,452 |
| Return on Equity (ROE) | 13.3240% | 879 |
| Retained earnings to average equity (ytd only) | 6.2095% | 1,433 |
| Net charge-offs to loans | 0.1540% | 1,569 |
| Credit loss provision to net charge-offs | 160.6426% | 1,663 |
| Earnings coverage of net charge-offs (x) | 11.4699% | 2,573 |
| Efficiency ratio | 66.0000% | 3,262 |
| Assets per employee ($millions) | 3.8514% | 4,200 |
| Cash dividends to net income (ytd only)* | 53.3960% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 2,330 |
| Loan loss allowance to noncurrent loans | 205.7282% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.7728% | 2,021 |
| Noncurrent loans to loans | 0.6213% | 2,674 |
| Net loans and leases to total assets | 83.3169% | 513 |
| Net loans and leases to deposits | 96.9847% | 993 |
| Net loans and leases to core deposits | 100.9039% | 1,642 |
| Total domestic deposits to total assets | 85.9072% | 2,482 |
| Equity capital to assets | 9.1844% | 4,544 |
| Core capital (leverage) ratio | 9.2947% | 4,301 |
| Tier 1 risk-based capital ratio | 12.7512% | 4,058 |
| Total risk-based capital ratio | 14.0044% | 3,955 |
| Memoranda: | ||
| Average total assets | $192,847,800 | 2,986 |
| Average earning assets | $184,781,800 | 2,914 |
| Average equity | $17,569,800 | 3,419 |
| Average total loans | $161,739,600 | 2,528 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2188% | 2,547 |
| Cost of funding earning assets | 0.2617% | 4,469 |
| Net interest margin | 3.9571% | 1,841 |
| Noninterest income to average assets | 0.5362% | 2,797 |
| Noninterest expense to average assets | 2.8610% | 2,529 |
| Loan and lease loss provision to assets | 0.2257% | 819 |
| Net operating income to assets | 1.1891% | 1,740 |
| Return on assets (ROA) | 1.1891% | 1,772 |
| Pretax return on assets | 1.2517% | 2,695 |
| Return on Equity (ROE) | 13.0792% | 1,038 |
| Retained earnings to average equity (ytd only) | 7.7314% | 1,330 |
| Net charge-offs to loans | 0.1568% | 1,299 |
| Credit loss provision to net charge-offs | 171.9577% | 1,519 |
| Earnings coverage of net charge-offs (x) | 11.2541% | 2,516 |
| Efficiency ratio | 65.9462% | 3,220 |
| Assets per employee ($millions) | 3.5603% | 4,637 |
| Cash dividends to net income (ytd only)* | 40.8878% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 2,405 |
| Loan loss allowance to noncurrent loans | 214.2566% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.7096% | 2,380 |
| Noncurrent loans to loans | 0.6026% | 2,900 |
| Net loans and leases to total assets | 85.2525% | 316 |
| Net loans and leases to deposits | 97.9750% | 919 |
| Net loans and leases to core deposits | 101.6068% | 1,573 |
| Total domestic deposits to total assets | 87.0146% | 1,870 |
| Equity capital to assets | 9.5184% | 4,425 |
| Core capital (leverage) ratio | 9.5105% | 4,151 |
| Tier 1 risk-based capital ratio | 13.0021% | 4,008 |
| Total risk-based capital ratio | 14.2552% | 3,913 |
| Memoranda: | ||
| Average total assets | $191,954,750 | 3,023 |
| Average earning assets | $184,441,500 | 2,944 |
| Average equity | $17,452,250 | 3,468 |
| Average total loans | $160,732,000 | 2,557 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1824% | 2,539 |
| Cost of funding earning assets | 0.2608% | 4,459 |
| Net interest margin | 3.9216% | 1,860 |
| Noninterest income to average assets | 0.5605% | 2,653 |
| Noninterest expense to average assets | 2.8274% | 2,661 |
| Loan and lease loss provision to assets | 0.2590% | 636 |
| Net operating income to assets | 1.1604% | 1,737 |
| Return on assets (ROA) | 1.1604% | 1,778 |
| Pretax return on assets | 1.2288% | 2,663 |
| Return on Equity (ROE) | 12.9610% | 1,043 |
| Retained earnings to average equity (ytd only) | 7.7534% | 1,255 |
| Net charge-offs to loans | 0.1825% | 1,092 |
| Credit loss provision to net charge-offs | 171.2329% | 1,401 |
| Earnings coverage of net charge-offs (x) | 9.8356% | 2,391 |
| Efficiency ratio | 65.5222% | 3,430 |
| Assets per employee ($millions) | 3.6593% | 4,495 |
| Cash dividends to net income (ytd only)* | 40.1786% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 2,481 |
| Loan loss allowance to noncurrent loans | 460.4444% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 3,767 |
| Noncurrent loans to loans | 0.2795% | 4,039 |
| Net loans and leases to total assets | 81.9441% | 671 |
| Net loans and leases to deposits | 93.1510% | 1,347 |
| Net loans and leases to core deposits | 96.9445% | 1,893 |
| Total domestic deposits to total assets | 87.9691% | 1,470 |
| Equity capital to assets | 9.0847% | 4,820 |
| Core capital (leverage) ratio | 9.1821% | 4,513 |
| Tier 1 risk-based capital ratio | 12.3094% | 4,419 |
| Total risk-based capital ratio | 13.5621% | 4,310 |
| Memoranda: | ||
| Average total assets | $193,040,670 | 3,033 |
| Average earning assets | $184,820,670 | 2,958 |
| Average equity | $17,282,670 | 3,500 |
| Average total loans | $159,985,000 | 2,568 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1441% | 2,497 |
| Cost of funding earning assets | 0.2669% | 4,389 |
| Net interest margin | 3.8772% | 1,863 |
| Noninterest income to average assets | 0.5379% | 2,720 |
| Noninterest expense to average assets | 2.7997% | 2,794 |
| Loan and lease loss provision to assets | 0.2077% | 786 |
| Net operating income to assets | 1.1548% | 1,645 |
| Return on assets (ROA) | 1.1548% | 1,681 |
| Pretax return on assets | 1.2420% | 2,444 |
| Return on Equity (ROE) | 12.9948% | 999 |
| Retained earnings to average equity (ytd only) | 7.7361% | 1,561 |
| Net charge-offs to loans | 0.1931% | 890 |
| Credit loss provision to net charge-offs | 129.8701% | 1,317 |
| Earnings coverage of net charge-offs (x) | 9.0649% | 2,016 |
| Efficiency ratio | 65.8847% | 3,519 |
| Assets per employee ($millions) | 3.7480% | 4,421 |
| Cash dividends to net income (ytd only)* | 40.4676% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 2,864 |
| Loan loss allowance to noncurrent loans | 444.4196% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.3756% | 3,698 |
| Noncurrent loans to loans | 0.2801% | 4,113 |
| Net loans and leases to total assets | 82.6465% | 497 |
| Net loans and leases to deposits | 93.9708% | 1,111 |
| Net loans and leases to core deposits | 97.2615% | 1,725 |
| Total domestic deposits to total assets | 87.9492% | 1,743 |
| Equity capital to assets | 9.0401% | 4,771 |
| Core capital (leverage) ratio | 9.0181% | 4,713 |
| Tier 1 risk-based capital ratio | 12.1273% | 4,634 |
| Total risk-based capital ratio | 13.3793% | 4,529 |
| Memoranda: | ||
| Average total assets | $192,590,000 | 3,059 |
| Average earning assets | $184,358,500 | 2,996 |
| Average equity | $17,114,500 | 3,533 |
| Average total loans | $159,479,500 | 2,584 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1508% | 2,657 |
| Cost of funding earning assets | 0.2507% | 4,558 |
| Net interest margin | 3.9001% | 1,968 |
| Noninterest income to average assets | 0.5376% | 2,989 |
| Noninterest expense to average assets | 2.8653% | 2,793 |
| Loan and lease loss provision to assets | 0.2110% | 1,073 |
| Net operating income to assets | 1.1306% | 1,771 |
| Return on assets (ROA) | 1.1306% | 1,866 |
| Pretax return on assets | 1.1712% | 2,800 |
| Return on Equity (ROE) | 13.1102% | 969 |
| Retained earnings to average equity (ytd only) | 6.7478% | 1,336 |
| Net charge-offs to loans | 0.1633% | 1,648 |
| Credit loss provision to net charge-offs | 163.2653% | 1,695 |
| Earnings coverage of net charge-offs (x) | 10.6939% | 2,616 |
| Efficiency ratio | 67.4575% | 3,354 |
| Assets per employee ($millions) | 3.5932% | 4,618 |
| Cash dividends to net income (ytd only)* | 48.5301% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 2,889 |
| Loan loss allowance to noncurrent loans | 329.0970% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.4525% | 3,452 |
| Noncurrent loans to loans | 0.3761% | 3,778 |
| Net loans and leases to total assets | 80.9262% | 752 |
| Net loans and leases to deposits | 96.1555% | 982 |
| Net loans and leases to core deposits | 99.4484% | 1,668 |
| Total domestic deposits to total assets | 84.1618% | 3,369 |
| Equity capital to assets | 8.7352% | 5,073 |
| Core capital (leverage) ratio | 8.8173% | 4,951 |
| Tier 1 risk-based capital ratio | 11.8554% | 4,818 |
| Total risk-based capital ratio | 13.1068% | 4,720 |
| Memoranda: | ||
| Average total assets | $189,546,800 | 3,061 |
| Average earning assets | $180,302,800 | 3,013 |
| Average equity | $16,346,000 | 3,648 |
| Average total loans | $150,042,600 | 2,643 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1248% | 2,783 |
| Cost of funding earning assets | 0.2467% | 4,634 |
| Net interest margin | 3.8780% | 2,058 |
| Noninterest income to average assets | 0.5257% | 3,072 |
| Noninterest expense to average assets | 2.8460% | 2,841 |
| Loan and lease loss provision to assets | 0.1946% | 1,107 |
| Net operating income to assets | 1.1364% | 1,856 |
| Return on assets (ROA) | 1.1364% | 1,964 |
| Pretax return on assets | 1.1774% | 2,928 |
| Return on Equity (ROE) | 13.2217% | 989 |
| Retained earnings to average equity (ytd only) | 6.5120% | 1,907 |
| Net charge-offs to loans | 0.1542% | 1,459 |
| Credit loss provision to net charge-offs | 160.8187% | 1,694 |
| Earnings coverage of net charge-offs (x) | 11.3394% | 2,491 |
| Efficiency ratio | 67.4719% | 3,322 |
| Assets per employee ($millions) | 3.6529% | 4,568 |
| Cash dividends to net income (ytd only)* | 50.7472% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 2,991 |
| Loan loss allowance to noncurrent loans | 211.5894% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.6260% | 3,035 |
| Noncurrent loans to loans | 0.5882% | 3,243 |
| Net loans and leases to total assets | 80.0857% | 884 |
| Net loans and leases to deposits | 94.6880% | 1,181 |
| Net loans and leases to core deposits | 98.2002% | 1,791 |
| Total domestic deposits to total assets | 84.5785% | 2,996 |
| Equity capital to assets | 8.7587% | 5,354 |
| Core capital (leverage) ratio | 8.8878% | 4,955 |
| Tier 1 risk-based capital ratio | 10.9083% | 5,420 |
| Total risk-based capital ratio | 12.1586% | 5,333 |
| Memoranda: | ||
| Average total assets | $188,425,750 | 3,085 |
| Average earning assets | $179,400,000 | 3,029 |
| Average equity | $16,195,250 | 3,699 |
| Average total loans | $147,805,750 | 2,676 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0756% | 2,970 |
| Cost of funding earning assets | 0.2442% | 4,715 |
| Net interest margin | 3.8314% | 2,208 |
| Noninterest income to average assets | 0.5119% | 3,112 |
| Noninterest expense to average assets | 2.8225% | 2,951 |
| Loan and lease loss provision to assets | 0.1596% | 1,425 |
| Net operating income to assets | 1.1345% | 1,826 |
| Return on assets (ROA) | 1.1345% | 1,942 |
| Pretax return on assets | 1.1697% | 2,906 |
| Return on Equity (ROE) | 13.2851% | 961 |
| Retained earnings to average equity (ytd only) | 5.9322% | 2,154 |
| Net charge-offs to loans | 0.0178% | 3,146 |
| Credit loss provision to net charge-offs | 1,153.8462% | 331 |
| Earnings coverage of net charge-offs (x) | 96.0769% | 602 |
| Efficiency ratio | 67.9826% | 3,351 |
| Assets per employee ($millions) | 3.5006% | 4,750 |
| Cash dividends to net income (ytd only)* | 55.3471% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 2,676 |
| Loan loss allowance to noncurrent loans | 142.9619% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 1.0057% | 2,132 |
| Noncurrent loans to loans | 0.9232% | 2,427 |
| Net loans and leases to total assets | 77.1260% | 1,312 |
| Net loans and leases to deposits | 90.5630% | 1,690 |
| Net loans and leases to core deposits | 93.9188% | 2,174 |
| Total domestic deposits to total assets | 85.1628% | 2,794 |
| Equity capital to assets | 8.6340% | 5,518 |
| Core capital (leverage) ratio | 8.6175% | 5,246 |
| Tier 1 risk-based capital ratio | 11.0860% | 5,371 |
| Total risk-based capital ratio | 12.3365% | 5,294 |
| Memoranda: | ||
| Average total assets | $187,918,000 | 3,111 |
| Average earning assets | $178,527,000 | 3,058 |
| Average equity | $16,048,000 | 3,725 |
| Average total loans | $145,728,000 | 2,701 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0372% | 3,082 |
| Cost of funding earning assets | 0.2426% | 4,775 |
| Net interest margin | 3.7946% | 2,304 |
| Noninterest income to average assets | 0.4910% | 3,187 |
| Noninterest expense to average assets | 2.8309% | 2,954 |
| Loan and lease loss provision to assets | 0.1601% | 1,300 |
| Net operating income to assets | 1.0739% | 1,996 |
| Return on assets (ROA) | 1.0739% | 2,108 |
| Pretax return on assets | 1.1059% | 3,071 |
| Return on Equity (ROE) | 12.6449% | 1,116 |
| Retained earnings to average equity (ytd only) | 3.4692% | 3,764 |
| Net charge-offs to loans | 0.0525% | 2,002 |
| Credit loss provision to net charge-offs | 394.7368% | 717 |
| Earnings coverage of net charge-offs (x) | 31.2105% | 1,163 |
| Efficiency ratio | 69.0985% | 3,284 |
| Assets per employee ($millions) | 3.6496% | 4,561 |
| Cash dividends to net income (ytd only)* | 72.5646% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 2,933 |
| Loan loss allowance to noncurrent loans | 132.6473% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 1.0675% | 2,070 |
| Noncurrent loans to loans | 0.9759% | 2,433 |
| Net loans and leases to total assets | 76.5623% | 1,313 |
| Net loans and leases to deposits | 88.2320% | 1,805 |
| Net loans and leases to core deposits | 92.3721% | 2,150 |
| Total domestic deposits to total assets | 86.7739% | 2,315 |
| Equity capital to assets | 8.5869% | 5,505 |
| Core capital (leverage) ratio | 8.5978% | 5,293 |
| Tier 1 risk-based capital ratio | 11.0384% | 5,481 |
| Total risk-based capital ratio | 12.2891% | 5,393 |
| Memoranda: | ||
| Average total assets | $187,361,500 | 3,120 |
| Average earning assets | $178,043,500 | 3,073 |
| Average equity | $15,911,500 | 3,747 |
| Average total loans | $144,721,000 | 2,718 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0429% | 3,148 |
| Cost of funding earning assets | 0.2509% | 4,778 |
| Net interest margin | 3.7919% | 2,402 |
| Noninterest income to average assets | 0.5522% | 2,999 |
| Noninterest expense to average assets | 2.9115% | 2,818 |
| Loan and lease loss provision to assets | 0.1390% | 1,705 |
| Net operating income to assets | 1.0565% | 2,101 |
| Return on assets (ROA) | 1.0565% | 2,182 |
| Pretax return on assets | 1.1066% | 3,019 |
| Return on Equity (ROE) | 12.5313% | 1,170 |
| Retained earnings to average equity (ytd only) | 8.5675% | 759 |
| Net charge-offs to loans | 0.1074% | 2,312 |
| Credit loss provision to net charge-offs | 174.8252% | 1,552 |
| Earnings coverage of net charge-offs (x) | 15.6643% | 2,188 |
| Efficiency ratio | 70.0375% | 3,222 |
| Assets per employee ($millions) | 3.6268% | 4,599 |
| Cash dividends to net income (ytd only)* | 31.6316% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 3,172 |
| Loan loss allowance to noncurrent loans | 123.1658% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 1.0897% | 2,018 |
| Noncurrent loans to loans | 1.0147% | 2,312 |
| Net loans and leases to total assets | 75.9596% | 1,427 |
| Net loans and leases to deposits | 87.8152% | 1,899 |
| Net loans and leases to core deposits | 92.9050% | 2,140 |
| Total domestic deposits to total assets | 86.4994% | 2,378 |
| Equity capital to assets | 8.3991% | 5,628 |
| Core capital (leverage) ratio | 8.5050% | 5,427 |
| Tier 1 risk-based capital ratio | 10.9553% | 5,544 |
| Total risk-based capital ratio | 12.2050% | 5,450 |
| Memoranda: | ||
| Average total assets | $179,838,200 | 3,176 |
| Average earning assets | $170,968,200 | 3,117 |
| Average equity | $15,162,000 | 3,814 |
| Average total loans | $133,193,200 | 2,841 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0598% | 3,101 |
| Cost of funding earning assets | 0.2519% | 4,866 |
| Net interest margin | 3.8078% | 2,354 |
| Noninterest income to average assets | 0.5111% | 3,289 |
| Noninterest expense to average assets | 2.9518% | 2,666 |
| Loan and lease loss provision to assets | 0.0938% | 2,288 |
| Net operating income to assets | 1.0590% | 2,177 |
| Return on assets (ROA) | 1.0590% | 2,272 |
| Pretax return on assets | 1.0845% | 3,290 |
| Return on Equity (ROE) | 12.5482% | 1,233 |
| Retained earnings to average equity (ytd only) | 8.5374% | 1,046 |
| Net charge-offs to loans | -0.0021% | 4,704 |
| Credit loss provision to net charge-offs | -6,250.0000% | 5,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4701% | 2,967 |
| Assets per employee ($millions) | 3.4689% | 4,851 |
| Cash dividends to net income (ytd only)* | 31.9632% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2958% | 3,118 |
| Loan loss allowance to noncurrent loans | 194.5860% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.6978% | 3,162 |
| Noncurrent loans to loans | 0.6659% | 3,332 |
| Net loans and leases to total assets | 75.9433% | 1,392 |
| Net loans and leases to deposits | 84.8505% | 2,301 |
| Net loans and leases to core deposits | 91.1669% | 2,339 |
| Total domestic deposits to total assets | 89.5025% | 772 |
| Equity capital to assets | 8.4312% | 5,746 |
| Core capital (leverage) ratio | 8.6051% | 5,459 |
| Tier 1 risk-based capital ratio | 11.2020% | 5,548 |
| Total risk-based capital ratio | 12.4537% | 5,444 |
| Memoranda: | ||
| Average total assets | $177,650,000 | 3,231 |
| Average earning assets | $168,840,000 | 3,167 |
| Average equity | $14,992,500 | 3,876 |
| Average total loans | $130,225,000 | 2,904 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0297% | 3,157 |
| Cost of funding earning assets | 0.2534% | 4,901 |
| Net interest margin | 3.7763% | 2,419 |
| Noninterest income to average assets | 0.5126% | 3,286 |
| Noninterest expense to average assets | 2.9889% | 2,589 |
| Loan and lease loss provision to assets | 0.0854% | 2,406 |
| Net operating income to assets | 0.9990% | 2,395 |
| Return on assets (ROA) | 0.9990% | 2,503 |
| Pretax return on assets | 1.0206% | 3,495 |
| Return on Equity (ROE) | 11.8330% | 1,422 |
| Retained earnings to average equity (ytd only) | 7.7717% | 1,356 |
| Net charge-offs to loans | 0.0016% | 3,853 |
| Credit loss provision to net charge-offs | 7,500.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 971.0000% | 60 |
| Efficiency ratio | 72.9903% | 2,841 |
| Assets per employee ($millions) | 3.4545% | 4,881 |
| Cash dividends to net income (ytd only)* | 34.3216% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 2,919 |
| Loan loss allowance to noncurrent loans | 448.3627% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.4609% | 4,087 |
| Noncurrent loans to loans | 0.3040% | 4,598 |
| Net loans and leases to total assets | 71.7156% | 2,042 |
| Net loans and leases to deposits | 81.1831% | 2,645 |
| Net loans and leases to core deposits | 83.2829% | 3,049 |
| Total domestic deposits to total assets | 88.3381% | 1,474 |
| Equity capital to assets | 8.4154% | 5,748 |
| Core capital (leverage) ratio | 8.5967% | 5,443 |
| Tier 1 risk-based capital ratio | 11.6112% | 5,401 |
| Total risk-based capital ratio | 12.8624% | 5,313 |
| Memoranda: | ||
| Average total assets | $175,582,330 | 3,275 |
| Average earning assets | $166,564,330 | 3,213 |
| Average equity | $14,823,000 | 3,919 |
| Average total loans | $126,481,000 | 2,975 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9064% | 3,577 |
| Cost of funding earning assets | 0.2549% | 4,968 |
| Net interest margin | 3.6515% | 2,809 |
| Noninterest income to average assets | 0.5117% | 3,215 |
| Noninterest expense to average assets | 2.8671% | 3,013 |
| Loan and lease loss provision to assets | 0.1152% | 1,793 |
| Net operating income to assets | 0.9703% | 2,390 |
| Return on assets (ROA) | 0.9703% | 2,526 |
| Pretax return on assets | 0.9956% | 3,526 |
| Return on Equity (ROE) | 11.4745% | 1,492 |
| Retained earnings to average equity (ytd only) | 7.3590% | 1,829 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0742% | 3,161 |
| Assets per employee ($millions) | 3.2870% | 5,257 |
| Cash dividends to net income (ytd only)* | 35.8670% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 2,921 |
| Loan loss allowance to noncurrent loans | 242.2069% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.6963% | 3,400 |
| Noncurrent loans to loans | 0.5777% | 3,850 |
| Net loans and leases to total assets | 69.7110% | 2,181 |
| Net loans and leases to deposits | 76.3170% | 3,020 |
| Net loans and leases to core deposits | 78.1081% | 3,369 |
| Total domestic deposits to total assets | 91.3441% | 265 |
| Equity capital to assets | 8.3444% | 5,842 |
| Core capital (leverage) ratio | 8.6253% | 5,400 |
| Tier 1 risk-based capital ratio | 11.7477% | 5,410 |
| Total risk-based capital ratio | 12.9993% | 5,310 |
| Memoranda: | ||
| Average total assets | $173,555,500 | 3,312 |
| Average earning assets | $164,754,500 | 3,256 |
| Average equity | $14,676,000 | 3,965 |
| Average total loans | $124,418,000 | 3,004 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0735% | 3,425 |
| Cost of funding earning assets | 0.3164% | 4,617 |
| Net interest margin | 3.7570% | 2,784 |
| Noninterest income to average assets | 0.5855% | 2,948 |
| Noninterest expense to average assets | 3.0051% | 2,829 |
| Loan and lease loss provision to assets | 0.1663% | 1,575 |
| Net operating income to assets | 0.9255% | 2,747 |
| Return on assets (ROA) | 0.9255% | 2,840 |
| Pretax return on assets | 0.9618% | 3,640 |
| Return on Equity (ROE) | 10.9023% | 1,748 |
| Retained earnings to average equity (ytd only) | 6.6269% | 1,581 |
| Net charge-offs to loans | 0.2531% | 1,691 |
| Credit loss provision to net charge-offs | 93.2203% | 2,575 |
| Earnings coverage of net charge-offs (x) | 6.3220% | 3,228 |
| Efficiency ratio | 72.7060% | 3,087 |
| Assets per employee ($millions) | 3.2003% | 5,435 |
| Cash dividends to net income (ytd only)* | 39.2157% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 3,026 |
| Loan loss allowance to noncurrent loans | 363.7527% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.5813% | 3,846 |
| Noncurrent loans to loans | 0.3802% | 4,500 |
| Net loans and leases to total assets | 71.7152% | 1,952 |
| Net loans and leases to deposits | 78.6793% | 2,883 |
| Net loans and leases to core deposits | 80.3497% | 3,252 |
| Total domestic deposits to total assets | 91.1487% | 320 |
| Equity capital to assets | 8.5730% | 5,665 |
| Core capital (leverage) ratio | 8.4430% | 5,618 |
| Tier 1 risk-based capital ratio | 11.2682% | 5,783 |
| Total risk-based capital ratio | 12.5189% | 5,703 |
| Memoranda: | ||
| Average total assets | $165,317,600 | 3,409 |
| Average earning assets | $156,108,200 | 3,339 |
| Average equity | $14,033,800 | 4,017 |
| Average total loans | $116,552,400 | 3,106 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0567% | 3,532 |
| Cost of funding earning assets | 0.3305% | 4,556 |
| Net interest margin | 3.7262% | 2,919 |
| Noninterest income to average assets | 0.5723% | 3,052 |
| Noninterest expense to average assets | 2.9939% | 2,819 |
| Loan and lease loss provision to assets | 0.2029% | 1,163 |
| Net operating income to assets | 0.8540% | 3,150 |
| Return on assets (ROA) | 0.8540% | 3,251 |
| Pretax return on assets | 0.8995% | 3,988 |
| Return on Equity (ROE) | 10.0858% | 2,176 |
| Retained earnings to average equity (ytd only) | 5.7716% | 2,556 |
| Net charge-offs to loans | 0.3610% | 1,112 |
| Credit loss provision to net charge-offs | 80.3859% | 2,585 |
| Earnings coverage of net charge-offs (x) | 4.3665% | 3,481 |
| Efficiency ratio | 73.0876% | 2,974 |
| Assets per employee ($millions) | 2.9396% | 5,798 |
| Cash dividends to net income (ytd only)* | 42.7761% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 3,118 |
| Loan loss allowance to noncurrent loans | 419.3955% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.5874% | 4,083 |
| Noncurrent loans to loans | 0.3365% | 4,888 |
| Net loans and leases to total assets | 70.6457% | 2,087 |
| Net loans and leases to deposits | 77.6545% | 2,989 |
| Net loans and leases to core deposits | 79.2068% | 3,412 |
| Total domestic deposits to total assets | 90.9744% | 373 |
| Equity capital to assets | 8.6338% | 5,691 |
| Core capital (leverage) ratio | 8.4151% | 5,743 |
| Tier 1 risk-based capital ratio | 11.5693% | 5,756 |
| Total risk-based capital ratio | 12.8204% | 5,677 |
| Memoranda: | ||
| Average total assets | $164,243,500 | 3,453 |
| Average earning assets | $155,329,500 | 3,374 |
| Average equity | $13,907,000 | 4,057 |
| Average total loans | $114,854,250 | 3,146 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0054% | 3,712 |
| Cost of funding earning assets | 0.3392% | 4,547 |
| Net interest margin | 3.6663% | 3,087 |
| Noninterest income to average assets | 0.5886% | 2,875 |
| Noninterest expense to average assets | 2.9735% | 2,926 |
| Loan and lease loss provision to assets | 0.1828% | 1,339 |
| Net operating income to assets | 0.8530% | 3,057 |
| Return on assets (ROA) | 0.8530% | 3,158 |
| Pretax return on assets | 0.8969% | 3,899 |
| Return on Equity (ROE) | 10.1413% | 2,088 |
| Retained earnings to average equity (ytd only) | 5.7950% | 2,448 |
| Net charge-offs to loans | 0.2337% | 1,641 |
| Credit loss provision to net charge-offs | 112.7820% | 1,786 |
| Earnings coverage of net charge-offs (x) | 6.6617% | 2,740 |
| Efficiency ratio | 73.3614% | 3,095 |
| Assets per employee ($millions) | 2.9730% | 5,791 |
| Cash dividends to net income (ytd only)* | 42.8571% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5159% | 2,825 |
| Loan loss allowance to noncurrent loans | 227.8431% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.6337% | 4,073 |
| Noncurrent loans to loans | 0.6653% | 4,045 |
| Net loans and leases to total assets | 68.0161% | 2,412 |
| Net loans and leases to deposits | 74.5006% | 3,267 |
| Net loans and leases to core deposits | 75.4442% | 3,683 |
| Total domestic deposits to total assets | 91.2960% | 313 |
| Equity capital to assets | 8.4157% | 5,871 |
| Core capital (leverage) ratio | 8.3275% | 5,818 |
| Tier 1 risk-based capital ratio | 11.7631% | 5,659 |
| Total risk-based capital ratio | 13.0157% | 5,597 |
| Memoranda: | ||
| Average total assets | $164,118,000 | 3,477 |
| Average earning assets | $155,090,330 | 3,393 |
| Average equity | $13,805,000 | 4,082 |
| Average total loans | $113,818,330 | 3,177 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9631% | 3,841 |
| Cost of funding earning assets | 0.3532% | 4,507 |
| Net interest margin | 3.6099% | 3,213 |
| Noninterest income to average assets | 0.5401% | 3,109 |
| Noninterest expense to average assets | 2.9730% | 2,972 |
| Loan and lease loss provision to assets | 0.1227% | 1,961 |
| Net operating income to assets | 0.8151% | 3,080 |
| Return on assets (ROA) | 0.8151% | 3,152 |
| Pretax return on assets | 0.8568% | 3,873 |
| Return on Equity (ROE) | 9.6920% | 2,157 |
| Retained earnings to average equity (ytd only) | 5.3131% | 2,913 |
| Net charge-offs to loans | 0.1872% | 1,605 |
| Credit loss provision to net charge-offs | 94.3396% | 1,758 |
| Earnings coverage of net charge-offs (x) | 7.5283% | 2,111 |
| Efficiency ratio | 75.2174% | 2,926 |
| Assets per employee ($millions) | 3.1431% | 5,613 |
| Cash dividends to net income (ytd only)* | 45.1807% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5400% | 2,972 |
| Loan loss allowance to noncurrent loans | 277.4557% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.6333% | 4,230 |
| Noncurrent loans to loans | 0.5550% | 4,499 |
| Net loans and leases to total assets | 67.4019% | 2,317 |
| Net loans and leases to deposits | 73.8407% | 3,087 |
| Net loans and leases to core deposits | 74.7912% | 3,558 |
| Total domestic deposits to total assets | 91.2801% | 455 |
| Equity capital to assets | 8.4391% | 5,706 |
| Core capital (leverage) ratio | 8.1360% | 6,008 |
| Tier 1 risk-based capital ratio | 12.1548% | 5,539 |
| Total risk-based capital ratio | 13.4079% | 5,466 |
| Memoranda: | ||
| Average total assets | $162,933,500 | 3,516 |
| Average earning assets | $154,022,000 | 3,435 |
| Average equity | $13,702,000 | 4,106 |
| Average total loans | $113,237,000 | 3,199 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1798% | 3,415 |
| Cost of funding earning assets | 0.3796% | 4,841 |
| Net interest margin | 3.8003% | 2,657 |
| Noninterest income to average assets | 0.5814% | 3,200 |
| Noninterest expense to average assets | 2.9479% | 3,207 |
| Loan and lease loss provision to assets | 0.2072% | 1,787 |
| Net operating income to assets | 0.9754% | 2,439 |
| Return on assets (ROA) | 0.9754% | 2,506 |
| Pretax return on assets | 1.0328% | 3,217 |
| Return on Equity (ROE) | 11.6023% | 1,555 |
| Retained earnings to average equity (ytd only) | 6.9842% | 1,442 |
| Net charge-offs to loans | 0.2787% | 2,306 |
| Credit loss provision to net charge-offs | 107.6159% | 2,229 |
| Earnings coverage of net charge-offs (x) | 6.4404% | 3,065 |
| Efficiency ratio | 70.3912% | 3,773 |
| Assets per employee ($millions) | 3.0079% | 5,826 |
| Cash dividends to net income (ytd only)* | 39.8039% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5063% | 3,146 |
| Loan loss allowance to noncurrent loans | 295.5479% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.6144% | 4,397 |
| Noncurrent loans to loans | 0.5097% | 4,722 |
| Net loans and leases to total assets | 69.4856% | 2,097 |
| Net loans and leases to deposits | 76.0367% | 2,959 |
| Net loans and leases to core deposits | 77.0195% | 3,486 |
| Total domestic deposits to total assets | 91.3843% | 444 |
| Equity capital to assets | 8.3799% | 5,711 |
| Core capital (leverage) ratio | 8.1741% | 5,998 |
| Tier 1 risk-based capital ratio | 11.7449% | 5,780 |
| Total risk-based capital ratio | 12.9978% | 5,709 |
| Memoranda: | ||
| Average total assets | $156,859,400 | 3,603 |
| Average earning assets | $148,858,200 | 3,527 |
| Average equity | $13,187,000 | 4,228 |
| Average total loans | $108,346,200 | 3,280 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1837% | 3,446 |
| Cost of funding earning assets | 0.3771% | 5,028 |
| Net interest margin | 3.8066% | 2,614 |
| Noninterest income to average assets | 0.5694% | 3,338 |
| Noninterest expense to average assets | 2.8867% | 3,356 |
| Loan and lease loss provision to assets | 0.1930% | 1,889 |
| Net operating income to assets | 1.0394% | 2,228 |
| Return on assets (ROA) | 1.0394% | 2,311 |
| Pretax return on assets | 1.1080% | 3,082 |
| Return on Equity (ROE) | 12.3535% | 1,382 |
| Retained earnings to average equity (ytd only) | 7.6241% | 1,578 |
| Net charge-offs to loans | 0.2872% | 2,100 |
| Credit loss provision to net charge-offs | 97.8261% | 2,440 |
| Earnings coverage of net charge-offs (x) | 6.5956% | 2,942 |
| Efficiency ratio | 68.9330% | 3,924 |
| Assets per employee ($millions) | 2.9229% | 5,974 |
| Cash dividends to net income (ytd only)* | 38.2837% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5366% | 3,297 |
| Loan loss allowance to noncurrent loans | 269.0967% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.5968% | 4,649 |
| Noncurrent loans to loans | 0.5710% | 4,777 |
| Net loans and leases to total assets | 68.9380% | 2,153 |
| Net loans and leases to deposits | 75.6054% | 3,014 |
| Net loans and leases to core deposits | 76.4753% | 3,567 |
| Total domestic deposits to total assets | 91.1814% | 467 |
| Equity capital to assets | 8.5139% | 5,722 |
| Core capital (leverage) ratio | 8.3387% | 5,933 |
| Tier 1 risk-based capital ratio | 12.1556% | 5,679 |
| Total risk-based capital ratio | 13.4093% | 5,616 |
| Memoranda: | ||
| Average total assets | $155,468,000 | 3,658 |
| Average earning assets | $147,775,250 | 3,579 |
| Average equity | $13,081,000 | 4,297 |
| Average total loans | $106,785,750 | 3,331 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1912% | 3,407 |
| Cost of funding earning assets | 0.3793% | 5,146 |
| Net interest margin | 3.8119% | 2,509 |
| Noninterest income to average assets | 0.5573% | 3,455 |
| Noninterest expense to average assets | 2.8213% | 3,603 |
| Loan and lease loss provision to assets | 0.1940% | 1,957 |
| Net operating income to assets | 1.0952% | 1,940 |
| Return on assets (ROA) | 1.0952% | 2,057 |
| Pretax return on assets | 1.1676% | 2,813 |
| Return on Equity (ROE) | 13.0690% | 1,230 |
| Retained earnings to average equity (ytd only) | 8.3938% | 1,336 |
| Net charge-offs to loans | 0.4150% | 1,563 |
| Credit loss provision to net charge-offs | 68.4932% | 2,852 |
| Earnings coverage of net charge-offs (x) | 4.8082% | 3,028 |
| Efficiency ratio | 67.4498% | 4,273 |
| Assets per employee ($millions) | 2.9512% | 5,927 |
| Cash dividends to net income (ytd only)* | 35.7733% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5180% | 3,503 |
| Loan loss allowance to noncurrent loans | 311.8321% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.5296% | 4,938 |
| Noncurrent loans to loans | 0.4868% | 5,044 |
| Net loans and leases to total assets | 66.5182% | 2,504 |
| Net loans and leases to deposits | 72.7353% | 3,350 |
| Net loans and leases to core deposits | 73.5589% | 3,863 |
| Total domestic deposits to total assets | 91.4524% | 396 |
| Equity capital to assets | 8.3041% | 5,970 |
| Core capital (leverage) ratio | 8.2903% | 5,893 |
| Tier 1 risk-based capital ratio | 12.5184% | 5,481 |
| Total risk-based capital ratio | 13.7718% | 5,423 |
| Memoranda: | ||
| Average total assets | $154,678,670 | 3,692 |
| Average earning assets | $147,118,000 | 3,608 |
| Average equity | $12,962,000 | 4,350 |
| Average total loans | $105,545,330 | 3,372 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2407% | 3,146 |
| Cost of funding earning assets | 0.3928% | 5,178 |
| Net interest margin | 3.8479% | 2,288 |
| Noninterest income to average assets | 0.5724% | 3,290 |
| Noninterest expense to average assets | 2.8227% | 3,622 |
| Loan and lease loss provision to assets | 0.1969% | 1,884 |
| Net operating income to assets | 1.1186% | 1,787 |
| Return on assets (ROA) | 1.1186% | 1,897 |
| Pretax return on assets | 1.2052% | 2,548 |
| Return on Equity (ROE) | 13.2855% | 1,102 |
| Retained earnings to average equity (ytd only) | 8.5140% | 1,557 |
| Net charge-offs to loans | -0.0498% | 6,138 |
| Credit loss provision to net charge-offs | -576.9231% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8117% | 4,520 |
| Assets per employee ($millions) | 2.9720% | 6,040 |
| Cash dividends to net income (ytd only)* | 35.9155% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7160% | 2,940 |
| Loan loss allowance to noncurrent loans | 249.0960% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.6360% | 4,786 |
| Noncurrent loans to loans | 0.6889% | 4,747 |
| Net loans and leases to total assets | 67.6759% | 2,076 |
| Net loans and leases to deposits | 74.1805% | 2,893 |
| Net loans and leases to core deposits | 75.0796% | 3,459 |
| Total domestic deposits to total assets | 91.2313% | 433 |
| Equity capital to assets | 8.5516% | 5,968 |
| Core capital (leverage) ratio | 8.4960% | 5,598 |
| Tier 1 risk-based capital ratio | 12.6917% | 5,437 |
| Total risk-based capital ratio | 13.9479% | 5,384 |
| Memoranda: | ||
| Average total assets | $152,334,500 | 3,767 |
| Average earning assets | $144,598,500 | 3,678 |
| Average equity | $12,826,000 | 4,412 |
| Average total loans | $104,497,000 | 3,408 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 2,859 |
| Cost of funding earning assets | 0.4922% | 5,276 |
| Net interest margin | 4.1445% | 1,841 |
| Noninterest income to average assets | 0.6673% | 2,895 |
| Noninterest expense to average assets | 2.9346% | 3,521 |
| Loan and lease loss provision to assets | 0.3303% | 2,059 |
| Net operating income to assets | 1.3041% | 1,286 |
| Return on assets (ROA) | 1.3041% | 1,433 |
| Pretax return on assets | 1.3464% | 2,224 |
| Return on Equity (ROE) | 16.2885% | 620 |
| Retained earnings to average equity (ytd only) | 10.3474% | 536 |
| Net charge-offs to loans | 0.3195% | 3,042 |
| Credit loss provision to net charge-offs | 153.3742% | 1,763 |
| Earnings coverage of net charge-offs (x) | 7.7853% | 2,528 |
| Efficiency ratio | 63.6390% | 4,950 |
| Assets per employee ($millions) | 3.1244% | 5,801 |
| Cash dividends to net income (ytd only)* | 36.4742% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6277% | 3,190 |
| Loan loss allowance to noncurrent loans | 209.9877% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.7616% | 4,564 |
| Noncurrent loans to loans | 0.7752% | 4,632 |
| Net loans and leases to total assets | 67.2269% | 2,332 |
| Net loans and leases to deposits | 73.4484% | 3,180 |
| Net loans and leases to core deposits | 73.7885% | 3,812 |
| Total domestic deposits to total assets | 91.5294% | 333 |
| Equity capital to assets | 8.2890% | 6,209 |
| Core capital (leverage) ratio | 8.2800% | 5,907 |
| Tier 1 risk-based capital ratio | 12.6166% | 5,384 |
| Total risk-based capital ratio | 13.8723% | 5,332 |
| Memoranda: | ||
| Average total assets | $151,367,400 | 3,751 |
| Average earning assets | $144,047,600 | 3,663 |
| Average equity | $12,119,000 | 4,545 |
| Average total loans | $102,041,400 | 3,467 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6439% | 3,043 |
| Cost of funding earning assets | 0.5109% | 5,368 |
| Net interest margin | 4.1330% | 1,960 |
| Noninterest income to average assets | 0.6837% | 2,792 |
| Noninterest expense to average assets | 2.9071% | 3,570 |
| Loan and lease loss provision to assets | 0.3092% | 2,137 |
| Net operating income to assets | 1.3480% | 1,332 |
| Return on assets (ROA) | 1.3480% | 1,478 |
| Pretax return on assets | 1.3975% | 2,244 |
| Return on Equity (ROE) | 16.9888% | 615 |
| Retained earnings to average equity (ytd only) | 11.3110% | 639 |
| Net charge-offs to loans | -0.0316% | 6,587 |
| Credit loss provision to net charge-offs | -1,458.3333% | 6,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0098% | 4,975 |
| Assets per employee ($millions) | 2.9889% | 6,071 |
| Cash dividends to net income (ytd only)* | 33.4205% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8515% | 2,642 |
| Loan loss allowance to noncurrent loans | 349.8162% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.6611% | 5,025 |
| Noncurrent loans to loans | 0.5293% | 5,386 |
| Net loans and leases to total assets | 67.5033% | 2,368 |
| Net loans and leases to deposits | 73.8536% | 3,302 |
| Net loans and leases to core deposits | 74.3680% | 3,927 |
| Total domestic deposits to total assets | 91.4016% | 310 |
| Equity capital to assets | 8.3321% | 6,399 |
| Core capital (leverage) ratio | 8.1381% | 6,198 |
| Tier 1 risk-based capital ratio | 12.6160% | 5,549 |
| Total risk-based capital ratio | 13.8835% | 5,493 |
| Memoranda: | ||
| Average total assets | $150,935,500 | 3,801 |
| Average earning assets | $143,524,500 | 3,705 |
| Average equity | $11,976,250 | 4,618 |
| Average total loans | $101,395,750 | 3,530 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6868% | 2,970 |
| Cost of funding earning assets | 0.5283% | 5,436 |
| Net interest margin | 4.1585% | 1,870 |
| Noninterest income to average assets | 0.7356% | 2,492 |
| Noninterest expense to average assets | 2.8382% | 3,873 |
| Loan and lease loss provision to assets | 0.3632% | 1,818 |
| Net operating income to assets | 1.4396% | 1,106 |
| Return on assets (ROA) | 1.4396% | 1,243 |
| Pretax return on assets | 1.4845% | 1,897 |
| Return on Equity (ROE) | 18.4470% | 457 |
| Retained earnings to average equity (ytd only) | 12.3544% | 525 |
| Net charge-offs to loans | -0.0317% | 6,541 |
| Credit loss provision to net charge-offs | -1,718.7500% | 6,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5693% | 5,488 |
| Assets per employee ($millions) | 3.0466% | 5,966 |
| Cash dividends to net income (ytd only)* | 33.0275% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7998% | 2,858 |
| Loan loss allowance to noncurrent loans | 284.3750% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.7897% | 4,818 |
| Noncurrent loans to loans | 0.6329% | 5,240 |
| Net loans and leases to total assets | 65.1892% | 2,814 |
| Net loans and leases to deposits | 71.0080% | 3,764 |
| Net loans and leases to core deposits | 71.4901% | 4,357 |
| Total domestic deposits to total assets | 91.8054% | 256 |
| Equity capital to assets | 7.9865% | 6,574 |
| Core capital (leverage) ratio | 8.0279% | 6,244 |
| Tier 1 risk-based capital ratio | 12.6197% | 5,479 |
| Total risk-based capital ratio | 13.8582% | 5,474 |
| Memoranda: | ||
| Average total assets | $151,432,000 | 3,815 |
| Average earning assets | $143,851,670 | 3,722 |
| Average equity | $11,817,670 | 4,648 |
| Average total loans | $100,933,000 | 3,547 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6879% | 3,095 |
| Cost of funding earning assets | 0.5463% | 5,516 |
| Net interest margin | 4.1416% | 1,962 |
| Noninterest income to average assets | 0.9114% | 1,700 |
| Noninterest expense to average assets | 2.8321% | 3,890 |
| Loan and lease loss provision to assets | 0.3312% | 1,892 |
| Net operating income to assets | 1.6558% | 785 |
| Return on assets (ROA) | 1.6558% | 877 |
| Pretax return on assets | 1.6850% | 1,344 |
| Return on Equity (ROE) | 21.4712% | 296 |
| Retained earnings to average equity (ytd only) | 14.2569% | 538 |
| Net charge-offs to loans | -0.0595% | 6,600 |
| Credit loss provision to net charge-offs | -833.3333% | 5,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4153% | 5,859 |
| Assets per employee ($millions) | 2.8943% | 6,357 |
| Cash dividends to net income (ytd only)* | 33.6000% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6936% | 3,374 |
| Loan loss allowance to noncurrent loans | 208.1047% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.9539% | 4,598 |
| Noncurrent loans to loans | 0.8138% | 5,046 |
| Net loans and leases to total assets | 65.6320% | 2,539 |
| Net loans and leases to deposits | 71.4934% | 3,511 |
| Net loans and leases to core deposits | 72.2521% | 4,112 |
| Total domestic deposits to total assets | 91.8014% | 306 |
| Equity capital to assets | 8.0285% | 6,506 |
| Core capital (leverage) ratio | 7.8869% | 6,343 |
| Tier 1 risk-based capital ratio | 12.5100% | 5,593 |
| Total risk-based capital ratio | 13.7356% | 5,582 |
| Memoranda: | ||
| Average total assets | $150,982,000 | 3,849 |
| Average earning assets | $143,518,500 | 3,756 |
| Average equity | $11,643,500 | 4,692 |
| Average total loans | $100,837,500 | 3,575 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8079% | 3,773 |
| Cost of funding earning assets | 0.6869% | 5,622 |
| Net interest margin | 4.1209% | 2,348 |
| Noninterest income to average assets | 0.6502% | 2,884 |
| Noninterest expense to average assets | 3.0488% | 3,401 |
| Loan and lease loss provision to assets | 0.3620% | 2,835 |
| Net operating income to assets | 1.0831% | 1,886 |
| Return on assets (ROA) | 1.0831% | 2,015 |
| Pretax return on assets | 1.1604% | 2,610 |
| Return on Equity (ROE) | 14.3342% | 860 |
| Retained earnings to average equity (ytd only) | 7.9472% | 1,099 |
| Net charge-offs to loans | 0.1956% | 4,578 |
| Credit loss provision to net charge-offs | 276.3158% | 864 |
| Earnings coverage of net charge-offs (x) | 11.6211% | 1,702 |
| Efficiency ratio | 66.6968% | 4,624 |
| Assets per employee ($millions) | 3.0871% | 5,921 |
| Cash dividends to net income (ytd only)* | 44.5576% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4827% | 4,098 |
| Loan loss allowance to noncurrent loans | 167.4699% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 1.0094% | 4,593 |
| Noncurrent loans to loans | 0.8853% | 4,919 |
| Net loans and leases to total assets | 65.8212% | 2,822 |
| Net loans and leases to deposits | 71.2007% | 3,917 |
| Net loans and leases to core deposits | 71.9235% | 4,543 |
| Total domestic deposits to total assets | 92.4446% | 186 |
| Equity capital to assets | 7.4090% | 6,852 |
| Core capital (leverage) ratio | 7.8123% | 6,428 |
| Tier 1 risk-based capital ratio | 11.6971% | 6,027 |
| Total risk-based capital ratio | 12.9153% | 6,031 |
| Memoranda: | ||
| Average total assets | $145,041,200 | 3,890 |
| Average earning assets | $138,002,600 | 3,785 |
| Average equity | $10,959,800 | 4,791 |
| Average total loans | $97,130,800 | 3,696 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8501% | 3,781 |
| Cost of funding earning assets | 0.7254% | 5,622 |
| Net interest margin | 4.1247% | 2,379 |
| Noninterest income to average assets | 0.6596% | 2,829 |
| Noninterest expense to average assets | 3.0419% | 3,391 |
| Loan and lease loss provision to assets | 0.3503% | 2,771 |
| Net operating income to assets | 1.1099% | 1,933 |
| Return on assets (ROA) | 1.1099% | 2,072 |
| Pretax return on assets | 1.1930% | 2,659 |
| Return on Equity (ROE) | 14.6112% | 919 |
| Retained earnings to average equity (ytd only) | 7.8468% | 1,567 |
| Net charge-offs to loans | 0.0028% | 6,159 |
| Credit loss provision to net charge-offs | 18,750.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 824.9476% | 38 |
| Efficiency ratio | 66.3407% | 4,652 |
| Assets per employee ($millions) | 2.8327% | 6,429 |
| Cash dividends to net income (ytd only)* | 46.2966% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6317% | 3,521 |
| Loan loss allowance to noncurrent loans | 152.1359% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 1.1706% | 4,448 |
| Noncurrent loans to loans | 1.0725% | 4,769 |
| Net loans and leases to total assets | 66.6975% | 2,741 |
| Net loans and leases to deposits | 73.0711% | 3,796 |
| Net loans and leases to core deposits | 73.8884% | 4,461 |
| Total domestic deposits to total assets | 91.2776% | 354 |
| Equity capital to assets | 7.9098% | 6,749 |
| Core capital (leverage) ratio | 7.4751% | 6,776 |
| Tier 1 risk-based capital ratio | 11.8550% | 6,000 |
| Total risk-based capital ratio | 13.0487% | 6,029 |
| Memoranda: | ||
| Average total assets | $142,713,250 | 3,951 |
| Average earning assets | $135,828,000 | 3,840 |
| Average equity | $10,840,750 | 4,844 |
| Average total loans | $95,632,000 | 3,768 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8042% | 4,088 |
| Cost of funding earning assets | 0.7405% | 5,733 |
| Net interest margin | 4.0637% | 2,554 |
| Noninterest income to average assets | 0.6500% | 2,841 |
| Noninterest expense to average assets | 3.0572% | 3,400 |
| Loan and lease loss provision to assets | 0.3495% | 2,685 |
| Net operating income to assets | 1.0163% | 2,159 |
| Return on assets (ROA) | 1.0163% | 2,255 |
| Pretax return on assets | 1.1099% | 2,813 |
| Return on Equity (ROE) | 13.5634% | 1,072 |
| Retained earnings to average equity (ytd only) | 6.1007% | 2,359 |
| Net charge-offs to loans | 0.0021% | 5,856 |
| Credit loss provision to net charge-offs | 25,000.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 1,044.0000% | 20 |
| Efficiency ratio | 67.6880% | 4,572 |
| Assets per employee ($millions) | 2.8891% | 6,325 |
| Cash dividends to net income (ytd only)* | 55.0206% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4947% | 4,156 |
| Loan loss allowance to noncurrent loans | 131.3012% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 1.2682% | 4,363 |
| Noncurrent loans to loans | 1.1383% | 4,753 |
| Net loans and leases to total assets | 65.8348% | 3,067 |
| Net loans and leases to deposits | 71.3677% | 4,222 |
| Net loans and leases to core deposits | 72.4850% | 4,758 |
| Total domestic deposits to total assets | 92.2474% | 193 |
| Equity capital to assets | 7.5401% | 6,929 |
| Core capital (leverage) ratio | 7.2373% | 6,900 |
| Tier 1 risk-based capital ratio | 11.1129% | 6,438 |
| Total risk-based capital ratio | 12.2648% | 6,504 |
| Memoranda: | ||
| Average total assets | $143,072,670 | 3,973 |
| Average earning assets | $136,131,330 | 3,856 |
| Average equity | $10,720,000 | 4,863 |
| Average total loans | $95,498,000 | 3,809 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7894% | 4,106 |
| Cost of funding earning assets | 0.7477% | 5,869 |
| Net interest margin | 4.0417% | 2,506 |
| Noninterest income to average assets | 0.6377% | 2,913 |
| Noninterest expense to average assets | 3.0144% | 3,581 |
| Loan and lease loss provision to assets | 0.2809% | 2,907 |
| Net operating income to assets | 1.0900% | 1,872 |
| Return on assets (ROA) | 1.0900% | 1,917 |
| Pretax return on assets | 1.1996% | 2,369 |
| Return on Equity (ROE) | 14.5947% | 884 |
| Retained earnings to average equity (ytd only) | 5.1909% | 3,063 |
| Net charge-offs to loans | -0.0084% | 6,325 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0625% | 4,842 |
| Assets per employee ($millions) | 3.0494% | 6,054 |
| Cash dividends to net income (ytd only)* | 64.4330% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 4,830 |
| Loan loss allowance to noncurrent loans | 83.7209% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.4729% | 4,044 |
| Noncurrent loans to loans | 1.6307% | 4,032 |
| Net loans and leases to total assets | 65.3328% | 3,167 |
| Net loans and leases to deposits | 70.7780% | 4,227 |
| Net loans and leases to core deposits | 76.1260% | 4,285 |
| Total domestic deposits to total assets | 92.3067% | 212 |
| Equity capital to assets | 7.4679% | 6,882 |
| Core capital (leverage) ratio | 7.3834% | 6,805 |
| Tier 1 risk-based capital ratio | 10.9805% | 6,522 |
| Total risk-based capital ratio | 12.1244% | 6,568 |
| Memoranda: | ||
| Average total assets | $142,382,000 | 4,024 |
| Average earning assets | $135,883,500 | 3,900 |
| Average equity | $10,634,000 | 4,885 |
| Average total loans | $94,975,000 | 3,857 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2306% | 3,458 |
| Cost of funding earning assets | 0.9289% | 6,034 |
| Net interest margin | 4.3017% | 1,817 |
| Noninterest income to average assets | 0.6369% | 3,235 |
| Noninterest expense to average assets | 3.0686% | 3,596 |
| Loan and lease loss provision to assets | 0.2847% | 4,522 |
| Net operating income to assets | 1.3251% | 1,113 |
| Return on assets (ROA) | 1.3251% | 1,182 |
| Pretax return on assets | 1.3799% | 1,711 |
| Return on Equity (ROE) | 18.3430% | 356 |
| Retained earnings to average equity (ytd only) | 8.3933% | 870 |
| Net charge-offs to loans | 0.1609% | 5,376 |
| Credit loss provision to net charge-offs | 263.1579% | 1,066 |
| Earnings coverage of net charge-offs (x) | 15.3882% | 1,284 |
| Efficiency ratio | 64.8324% | 5,195 |
| Assets per employee ($millions) | 2.9468% | 6,218 |
| Cash dividends to net income (ytd only)* | 54.2427% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 5,216 |
| Loan loss allowance to noncurrent loans | 99.5000% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 1.1086% | 4,792 |
| Noncurrent loans to loans | 1.2629% | 4,602 |
| Net loans and leases to total assets | 66.3337% | 3,398 |
| Net loans and leases to deposits | 71.8080% | 4,552 |
| Net loans and leases to core deposits | 73.9560% | 4,983 |
| Total domestic deposits to total assets | 92.3765% | 204 |
| Equity capital to assets | 7.4694% | 6,896 |
| Core capital (leverage) ratio | 7.2822% | 6,852 |
| Tier 1 risk-based capital ratio | 10.8108% | 6,477 |
| Total risk-based capital ratio | 12.0326% | 6,471 |
| Memoranda: | ||
| Average total assets | $140,521,400 | 4,044 |
| Average earning assets | $133,807,600 | 3,933 |
| Average equity | $10,151,000 | 5,090 |
| Average total loans | $94,446,200 | 3,940 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2566% | 3,546 |
| Cost of funding earning assets | 0.9647% | 6,111 |
| Net interest margin | 4.2919% | 1,873 |
| Noninterest income to average assets | 0.6044% | 3,413 |
| Noninterest expense to average assets | 3.1078% | 3,302 |
| Loan and lease loss provision to assets | 0.1140% | 5,893 |
| Net operating income to assets | 1.4028% | 1,099 |
| Return on assets (ROA) | 1.4028% | 1,170 |
| Pretax return on assets | 1.4626% | 1,712 |
| Return on Equity (ROE) | 19.5865% | 331 |
| Retained earnings to average equity (ytd only) | 9.5013% | 912 |
| Net charge-offs to loans | 0.0580% | 5,936 |
| Credit loss provision to net charge-offs | 292.6829% | 1,093 |
| Earnings coverage of net charge-offs (x) | 40.4599% | 679 |
| Efficiency ratio | 66.3421% | 4,787 |
| Assets per employee ($millions) | 2.8875% | 6,406 |
| Cash dividends to net income (ytd only)* | 51.4906% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 6,015 |
| Loan loss allowance to noncurrent loans | 154.8338% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.7280% | 5,655 |
| Noncurrent loans to loans | 0.6981% | 5,817 |
| Net loans and leases to total assets | 66.2984% | 3,621 |
| Net loans and leases to deposits | 71.8087% | 4,867 |
| Net loans and leases to core deposits | 78.6522% | 4,719 |
| Total domestic deposits to total assets | 92.3264% | 145 |
| Equity capital to assets | 7.3718% | 7,197 |
| Core capital (leverage) ratio | 7.3023% | 7,003 |
| Tier 1 risk-based capital ratio | 11.0344% | 6,342 |
| Total risk-based capital ratio | 12.1187% | 6,469 |
| Memoranda: | ||
| Average total assets | $140,290,750 | 4,103 |
| Average earning assets | $133,365,250 | 4,000 |
| Average equity | $10,047,500 | 5,178 |
| Average total loans | $94,303,000 | 4,012 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1695% | 4,098 |
| Cost of funding earning assets | 0.9981% | 6,152 |
| Net interest margin | 4.1714% | 2,255 |
| Noninterest income to average assets | 0.5762% | 3,503 |
| Noninterest expense to average assets | 3.0752% | 3,412 |
| Loan and lease loss provision to assets | 0.0572% | 6,384 |
| Net operating income to assets | 1.3425% | 1,208 |
| Return on assets (ROA) | 1.3425% | 1,277 |
| Pretax return on assets | 1.4111% | 1,811 |
| Return on Equity (ROE) | 18.9315% | 387 |
| Retained earnings to average equity (ytd only) | 8.8508% | 1,152 |
| Net charge-offs to loans | 0.0680% | 5,464 |
| Credit loss provision to net charge-offs | 125.0000% | 3,227 |
| Earnings coverage of net charge-offs (x) | 32.0938% | 876 |
| Efficiency ratio | 67.6841% | 4,634 |
| Assets per employee ($millions) | 2.9081% | 6,338 |
| Cash dividends to net income (ytd only)* | 53.2481% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 6,361 |
| Loan loss allowance to noncurrent loans | 190.8000% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.5705% | 6,050 |
| Noncurrent loans to loans | 0.5290% | 6,200 |
| Net loans and leases to total assets | 65.6641% | 3,907 |
| Net loans and leases to deposits | 70.8741% | 5,153 |
| Net loans and leases to core deposits | 73.0139% | 5,551 |
| Total domestic deposits to total assets | 92.6489% | 134 |
| Equity capital to assets | 7.1245% | 7,302 |
| Core capital (leverage) ratio | 7.1716% | 7,087 |
| Tier 1 risk-based capital ratio | 10.9387% | 6,306 |
| Total risk-based capital ratio | 11.9666% | 6,499 |
| Memoranda: | ||
| Average total assets | $139,892,330 | 4,141 |
| Average earning assets | $133,049,330 | 4,038 |
| Average equity | $9,920,000 | 5,224 |
| Average total loans | $94,128,000 | 4,057 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1483% | 4,308 |
| Cost of funding earning assets | 1.0455% | 6,148 |
| Net interest margin | 4.1029% | 2,424 |
| Noninterest income to average assets | 0.5282% | 3,826 |
| Noninterest expense to average assets | 3.0882% | 3,317 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2439% | 1,416 |
| Return on assets (ROA) | 1.2439% | 1,489 |
| Pretax return on assets | 1.3363% | 1,947 |
| Return on Equity (ROE) | 17.5847% | 551 |
| Retained earnings to average equity (ytd only) | 7.3847% | 1,982 |
| Net charge-offs to loans | 0.0043% | 5,564 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 463.0000% | 59 |
| Efficiency ratio | 69.7978% | 4,349 |
| Assets per employee ($millions) | 2.8327% | 6,566 |
| Cash dividends to net income (ytd only)* | 58.0046% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 6,417 |
| Loan loss allowance to noncurrent loans | 393.7500% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.4035% | 6,465 |
| Noncurrent loans to loans | 0.2561% | 6,820 |
| Net loans and leases to total assets | 66.8458% | 3,668 |
| Net loans and leases to deposits | 72.1629% | 5,030 |
| Net loans and leases to core deposits | 73.1045% | 5,597 |
| Total domestic deposits to total assets | 92.6318% | 151 |
| Equity capital to assets | 7.1290% | 7,317 |
| Core capital (leverage) ratio | 6.9949% | 7,254 |
| Tier 1 risk-based capital ratio | 10.5236% | 6,612 |
| Total risk-based capital ratio | 11.5286% | 6,814 |
| Memoranda: | ||
| Average total assets | $138,591,000 | 4,218 |
| Average earning assets | $131,615,500 | 4,121 |
| Average equity | $9,804,000 | 5,291 |
| Average total loans | $93,931,000 | 4,125 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7256% | 2,983 |
| Cost of funding earning assets | 1.4752% | 5,612 |
| Net interest margin | 4.2504% | 1,894 |
| Noninterest income to average assets | 0.5529% | 3,998 |
| Noninterest expense to average assets | 3.2250% | 3,297 |
| Loan and lease loss provision to assets | 0.2084% | 5,676 |
| Net operating income to assets | 1.1363% | 1,423 |
| Return on assets (ROA) | 1.1363% | 1,448 |
| Pretax return on assets | 1.1608% | 2,059 |
| Return on Equity (ROE) | 16.0913% | 546 |
| Retained earnings to average equity (ytd only) | 5.4586% | 1,601 |
| Net charge-offs to loans | 0.1192% | 5,984 |
| Credit loss provision to net charge-offs | 241.3793% | 1,476 |
| Earnings coverage of net charge-offs (x) | 15.8621% | 1,281 |
| Efficiency ratio | 70.1976% | 4,582 |
| Assets per employee ($millions) | 2.7676% | 6,719 |
| Cash dividends to net income (ytd only)* | 66.0773% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 6,346 |
| Loan loss allowance to noncurrent loans | 334.2756% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.4509% | 6,327 |
| Noncurrent loans to loans | 0.3006% | 6,677 |
| Net loans and leases to total assets | 67.3419% | 3,848 |
| Net loans and leases to deposits | 72.5641% | 5,251 |
| Net loans and leases to core deposits | 81.3707% | 5,970 |
| Total domestic deposits to total assets | 92.8033% | 151 |
| Equity capital to assets | 7.0190% | 7,358 |
| Core capital (leverage) ratio | 6.9804% | 7,256 |
| Tier 1 risk-based capital ratio | 10.0387% | 6,839 |
| Total risk-based capital ratio | 11.0164% | 7,037 |
| Memoranda: | ||
| Average total assets | $134,388,200 | 4,253 |
| Average earning assets | $127,777,600 | 4,139 |
| Average equity | $9,489,600 | 5,447 |
| Average total loans | $97,315,000 | 4,025 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8310% | 2,746 |
| Cost of funding earning assets | 1.5398% | 5,671 |
| Net interest margin | 4.2912% | 1,752 |
| Noninterest income to average assets | 0.5478% | 4,101 |
| Noninterest expense to average assets | 3.2096% | 3,270 |
| Loan and lease loss provision to assets | 0.1999% | 5,389 |
| Net operating income to assets | 1.2035% | 1,459 |
| Return on assets (ROA) | 1.2035% | 1,514 |
| Pretax return on assets | 1.2274% | 2,173 |
| Return on Equity (ROE) | 17.0165% | 549 |
| Retained earnings to average equity (ytd only) | 6.9959% | 1,512 |
| Net charge-offs to loans | 0.1373% | 5,328 |
| Credit loss provision to net charge-offs | 198.0198% | 2,264 |
| Earnings coverage of net charge-offs (x) | 14.1389% | 1,623 |
| Efficiency ratio | 69.2175% | 4,742 |
| Assets per employee ($millions) | 2.7476% | 6,741 |
| Cash dividends to net income (ytd only)* | 58.8872% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 6,638 |
| Loan loss allowance to noncurrent loans | 91.4849% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 1.1008% | 4,879 |
| Noncurrent loans to loans | 1.0151% | 5,276 |
| Net loans and leases to total assets | 69.8076% | 3,563 |
| Net loans and leases to deposits | 75.4760% | 5,128 |
| Net loans and leases to core deposits | 86.4854% | 5,820 |
| Total domestic deposits to total assets | 92.4898% | 119 |
| Equity capital to assets | 7.1982% | 7,491 |
| Core capital (leverage) ratio | 7.0813% | 7,370 |
| Tier 1 risk-based capital ratio | 10.0262% | 6,951 |
| Total risk-based capital ratio | 10.9376% | 7,204 |
| Memoranda: | ||
| Average total assets | $133,389,750 | 4,292 |
| Average earning assets | $127,110,000 | 4,179 |
| Average equity | $9,433,750 | 5,510 |
| Average total loans | $98,110,000 | 4,039 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9251% | 2,477 |
| Cost of funding earning assets | 1.5916% | 5,773 |
| Net interest margin | 4.3335% | 1,563 |
| Noninterest income to average assets | 0.5309% | 4,176 |
| Noninterest expense to average assets | 3.2517% | 3,149 |
| Loan and lease loss provision to assets | 0.2707% | 4,414 |
| Net operating income to assets | 1.1280% | 1,671 |
| Return on assets (ROA) | 1.1280% | 1,753 |
| Pretax return on assets | 1.1446% | 2,484 |
| Return on Equity (ROE) | 16.0462% | 686 |
| Retained earnings to average equity (ytd only) | 7.2957% | 1,469 |
| Net charge-offs to loans | 0.1976% | 4,299 |
| Credit loss provision to net charge-offs | 183.6735% | 2,498 |
| Earnings coverage of net charge-offs (x) | 9.6020% | 2,101 |
| Efficiency ratio | 69.6745% | 4,849 |
| Assets per employee ($millions) | 2.7616% | 6,716 |
| Cash dividends to net income (ytd only)* | 54.5333% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8752% | 6,875 |
| Loan loss allowance to noncurrent loans | 63.5762% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 1.3782% | 4,203 |
| Noncurrent loans to loans | 1.3766% | 4,462 |
| Net loans and leases to total assets | 72.3175% | 3,132 |
| Net loans and leases to deposits | 78.0520% | 4,862 |
| Net loans and leases to core deposits | 87.0161% | 5,805 |
| Total domestic deposits to total assets | 92.6530% | 125 |
| Equity capital to assets | 7.0477% | 7,584 |
| Core capital (leverage) ratio | 6.9692% | 7,561 |
| Tier 1 risk-based capital ratio | 9.7738% | 7,163 |
| Total risk-based capital ratio | 10.6593% | 7,434 |
| Memoranda: | ||
| Average total assets | $132,976,330 | 4,328 |
| Average earning assets | $126,917,000 | 4,207 |
| Average equity | $9,348,000 | 5,562 |
| Average total loans | $99,192,330 | 4,036 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0366% | 2,210 |
| Cost of funding earning assets | 1.6892% | 5,641 |
| Net interest margin | 4.3473% | 1,472 |
| Noninterest income to average assets | 0.4734% | 4,562 |
| Noninterest expense to average assets | 3.3717% | 2,441 |
| Loan and lease loss provision to assets | 0.2731% | 3,775 |
| Net operating income to assets | 0.9893% | 2,355 |
| Return on assets (ROA) | 0.9893% | 2,491 |
| Pretax return on assets | 0.9681% | 3,473 |
| Return on Equity (ROE) | 14.0920% | 1,148 |
| Retained earnings to average equity (ytd only) | 5.0575% | 3,087 |
| Net charge-offs to loans | 0.4144% | 2,445 |
| Credit loss provision to net charge-offs | 87.3786% | 4,054 |
| Earnings coverage of net charge-offs (x) | 3.9709% | 3,012 |
| Efficiency ratio | 73.0921% | 3,992 |
| Assets per employee ($millions) | 2.7535% | 6,761 |
| Cash dividends to net income (ytd only)* | 64.1104% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7873% | 7,203 |
| Loan loss allowance to noncurrent loans | 65.6704% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 1.1051% | 4,476 |
| Noncurrent loans to loans | 1.1989% | 4,572 |
| Net loans and leases to total assets | 71.8240% | 3,283 |
| Net loans and leases to deposits | 77.4150% | 5,024 |
| Net loans and leases to core deposits | 89.5155% | 5,603 |
| Total domestic deposits to total assets | 92.7779% | 100 |
| Equity capital to assets | 6.9019% | 7,724 |
| Core capital (leverage) ratio | 7.0626% | 7,593 |
| Tier 1 risk-based capital ratio | 9.9035% | 7,036 |
| Total risk-based capital ratio | 10.7214% | 7,399 |
| Memoranda: | ||
| Average total assets | $131,804,500 | 4,376 |
| Average earning assets | $125,502,000 | 4,254 |
| Average equity | $9,253,500 | 5,616 |
| Average total loans | $99,426,500 | 4,052 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7634% | 1,810 |
| Cost of funding earning assets | 2.5800% | 3,791 |
| Net interest margin | 4.1834% | 2,377 |
| Noninterest income to average assets | 0.5890% | 3,929 |
| Noninterest expense to average assets | 3.0724% | 3,812 |
| Loan and lease loss provision to assets | 0.4820% | 2,891 |
| Net operating income to assets | 0.9252% | 2,896 |
| Return on assets (ROA) | 0.9252% | 2,747 |
| Pretax return on assets | 0.9814% | 3,445 |
| Return on Equity (ROE) | 13.2089% | 1,279 |
| Retained earnings to average equity (ytd only) | 2.2647% | 3,801 |
| Net charge-offs to loans | 0.5420% | 2,198 |
| Credit loss provision to net charge-offs | 115.6648% | 4,668 |
| Earnings coverage of net charge-offs (x) | 3.5118% | 4,331 |
| Efficiency ratio | 67.7376% | 4,770 |
| Assets per employee ($millions) | 2.5233% | 7,166 |
| Cash dividends to net income (ytd only)* | 82.8548% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7729% | 7,195 |
| Loan loss allowance to noncurrent loans | 75.1923% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 0.8353% | 4,760 |
| Noncurrent loans to loans | 1.0279% | 4,532 |
| Net loans and leases to total assets | 78.0152% | 2,132 |
| Net loans and leases to deposits | 84.2398% | 4,389 |
| Net loans and leases to core deposits | 93.9414% | 5,448 |
| Total domestic deposits to total assets | 92.6109% | 76 |
| Equity capital to assets | 7.1451% | 7,657 |
| Core capital (leverage) ratio | 6.9309% | 7,739 |
| Tier 1 risk-based capital ratio | 9.9555% | 6,789 |
| Total risk-based capital ratio | 10.8022% | 7,164 |
| Memoranda: | ||
| Average total assets | $131,752,400 | 4,236 |
| Average earning assets | $124,301,400 | 4,167 |
| Average equity | $9,228,600 | 5,661 |
| Average total loans | $101,284,200 | 3,912 |