Home > First State Bank of Claremont > Performance and Condition Ratios
First State Bank of Claremont, 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 | 3.3962% | 4,540 |
| Cost of funding earning assets | 0.2915% | 4,510 |
| Net interest margin | 3.1047% | 3,893 |
| Noninterest income to average assets | -1.0241% | 5,060 |
| Noninterest expense to average assets | 2.8521% | 1,967 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -1.1141% | 4,971 |
| Return on assets (ROA) | -1.0908% | 4,967 |
| Pretax return on assets | -1.0107% | 4,948 |
| Return on Equity (ROE) | -8.9655% | 4,977 |
| Retained earnings to average equity (ytd only) | -12.8039% | 4,959 |
| Net charge-offs to loans | -0.0081% | 4,150 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.8807% | 38 |
| Assets per employee ($millions) | 5.1098% | 3,053 |
| Cash dividends to net income (ytd only)* | -42.8135% | 5,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0807% | 388 |
| Loan loss allowance to noncurrent loans | 48.8174% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 1.7238% | 483 |
| Noncurrent loans to loans | 4.2623% | 144 |
| Net loans and leases to total assets | 39.6017% | 4,623 |
| Net loans and leases to deposits | 44.8125% | 4,684 |
| Net loans and leases to core deposits | 44.8125% | 4,740 |
| Total domestic deposits to total assets | 88.3721% | 1,005 |
| Equity capital to assets | 11.4942% | 1,976 |
| Core capital (leverage) ratio | 11.0568% | 1,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0171% | 503 |
| Memoranda: | ||
| Average total assets | $59,956,333 | 4,542 |
| Average earning assets | $54,884,333 | 4,541 |
| Average equity | $7,294,667 | 4,540 |
| Average total loans | $24,613,000 | 4,674 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7475% | 4,302 |
| Cost of funding earning assets | 0.3359% | 4,559 |
| Net interest margin | 3.4116% | 3,262 |
| Noninterest income to average assets | -2.1931% | 5,109 |
| Noninterest expense to average assets | 0.1147% | 5,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7625% | 3,045 |
| Return on assets (ROA) | 0.7625% | 3,123 |
| Pretax return on assets | 0.7760% | 3,474 |
| Return on Equity (ROE) | 6.0933% | 3,286 |
| Retained earnings to average equity (ytd only) | 2.3187% | 3,327 |
| Net charge-offs to loans | -0.0163% | 4,256 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.8788% | 5,101 |
| Assets per employee ($millions) | 4.9875% | 2,662 |
| Cash dividends to net income (ytd only)* | 61.9469% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2064% | 372 |
| Loan loss allowance to noncurrent loans | 157.3171% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.5480% | 2,347 |
| Noncurrent loans to loans | 1.4025% | 1,133 |
| Net loans and leases to total assets | 38.2122% | 4,722 |
| Net loans and leases to deposits | 44.8159% | 4,748 |
| Net loans and leases to core deposits | 45.8951% | 4,777 |
| Total domestic deposits to total assets | 85.2648% | 2,304 |
| Equity capital to assets | 12.5230% | 1,715 |
| Core capital (leverage) ratio | 11.8680% | 1,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5345% | 471 |
| Memoranda: | ||
| Average total assets | $59,275,500 | 4,566 |
| Average earning assets | $53,582,500 | 4,574 |
| Average equity | $7,418,000 | 4,562 |
| Average total loans | $24,520,000 | 4,708 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1666% | 3,891 |
| Cost of funding earning assets | 0.2695% | 4,804 |
| Net interest margin | 3.8971% | 2,180 |
| Noninterest income to average assets | 0.7645% | 1,567 |
| Noninterest expense to average assets | 3.2235% | 1,467 |
| Loan and lease loss provision to assets | 0.2304% | 831 |
| Net operating income to assets | 0.7781% | 3,618 |
| Return on assets (ROA) | 0.7781% | 3,696 |
| Pretax return on assets | 0.7901% | 3,990 |
| Return on Equity (ROE) | 6.4456% | 3,761 |
| Retained earnings to average equity (ytd only) | 2.4878% | 3,788 |
| Net charge-offs to loans | 1.4423% | 100 |
| Credit loss provision to net charge-offs | 33.7500% | 3,247 |
| Earnings coverage of net charge-offs (x) | 1.4950% | 3,531 |
| Efficiency ratio | 75.9550% | 1,377 |
| Assets per employee ($millions) | 4.8918% | 2,716 |
| Cash dividends to net income (ytd only)* | 61.4035% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0114% | 450 |
| Loan loss allowance to noncurrent loans | 225.3275% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 2,844 |
| Noncurrent loans to loans | 0.8926% | 1,722 |
| Net loans and leases to total assets | 42.8238% | 4,648 |
| Net loans and leases to deposits | 50.6304% | 4,662 |
| Net loans and leases to core deposits | 52.7555% | 4,685 |
| Total domestic deposits to total assets | 84.5812% | 2,650 |
| Equity capital to assets | 12.5057% | 1,813 |
| Core capital (leverage) ratio | 11.8860% | 1,852 |
| Tier 1 risk-based capital ratio | 21.2744% | 1,119 |
| Total risk-based capital ratio | 22.5287% | 1,099 |
| Memoranda: | ||
| Average total assets | $58,601,800 | 4,618 |
| Average earning assets | $52,320,600 | 4,636 |
| Average equity | $7,074,600 | 4,631 |
| Average total loans | $27,733,000 | 4,691 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2322% | 3,852 |
| Cost of funding earning assets | 0.2553% | 4,914 |
| Net interest margin | 3.9769% | 2,031 |
| Noninterest income to average assets | 0.6487% | 1,992 |
| Noninterest expense to average assets | 2.9749% | 2,046 |
| Loan and lease loss provision to assets | 0.3073% | 476 |
| Net operating income to assets | 0.8877% | 3,392 |
| Return on assets (ROA) | 0.8877% | 3,467 |
| Pretax return on assets | 0.9127% | 3,833 |
| Return on Equity (ROE) | 7.4199% | 3,543 |
| Retained earnings to average equity (ytd only) | 3.4245% | 3,700 |
| Net charge-offs to loans | 1.8830% | 63 |
| Credit loss provision to net charge-offs | 33.8346% | 2,893 |
| Earnings coverage of net charge-offs (x) | 1.3434% | 3,305 |
| Efficiency ratio | 70.9170% | 1,978 |
| Assets per employee ($millions) | 4.8056% | 2,784 |
| Cash dividends to net income (ytd only)* | 53.8453% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9251% | 537 |
| Loan loss allowance to noncurrent loans | 155.2553% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.5775% | 2,274 |
| Noncurrent loans to loans | 1.2399% | 1,254 |
| Net loans and leases to total assets | 45.6743% | 4,618 |
| Net loans and leases to deposits | 53.9601% | 4,634 |
| Net loans and leases to core deposits | 55.6709% | 4,696 |
| Total domestic deposits to total assets | 84.6446% | 2,559 |
| Equity capital to assets | 12.7387% | 1,761 |
| Core capital (leverage) ratio | 12.3739% | 1,641 |
| Tier 1 risk-based capital ratio | 20.6486% | 1,246 |
| Total risk-based capital ratio | 21.9026% | 1,217 |
| Memoranda: | ||
| Average total assets | $58,577,000 | 4,681 |
| Average earning assets | $52,233,000 | 4,704 |
| Average equity | $7,008,000 | 4,697 |
| Average total loans | $28,252,750 | 4,743 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2046% | 3,914 |
| Cost of funding earning assets | 0.2325% | 5,004 |
| Net interest margin | 3.9720% | 2,008 |
| Noninterest income to average assets | 0.9918% | 885 |
| Noninterest expense to average assets | 3.3729% | 1,146 |
| Loan and lease loss provision to assets | 0.3057% | 448 |
| Net operating income to assets | 0.8356% | 3,521 |
| Return on assets (ROA) | 0.8356% | 3,581 |
| Pretax return on assets | 0.8526% | 3,965 |
| Return on Equity (ROE) | 7.1353% | 3,622 |
| Retained earnings to average equity (ytd only) | 3.0745% | 3,683 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4378% | 1,591 |
| Assets per employee ($millions) | 4.8701% | 2,636 |
| Cash dividends to net income (ytd only)* | 56.9106% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0995% | 121 |
| Loan loss allowance to noncurrent loans | 140.2576% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 1.0626% | 1,290 |
| Noncurrent loans to loans | 2.2099% | 609 |
| Net loans and leases to total assets | 46.5940% | 4,621 |
| Net loans and leases to deposits | 54.7976% | 4,644 |
| Net loans and leases to core deposits | 54.7976% | 4,756 |
| Total domestic deposits to total assets | 85.0293% | 2,458 |
| Equity capital to assets | 12.3441% | 1,944 |
| Core capital (leverage) ratio | 12.3696% | 1,599 |
| Tier 1 risk-based capital ratio | 19.9191% | 1,363 |
| Total risk-based capital ratio | 21.1833% | 1,335 |
| Memoranda: | ||
| Average total assets | $58,880,330 | 4,712 |
| Average earning assets | $52,466,670 | 4,736 |
| Average equity | $6,895,330 | 4,739 |
| Average total loans | $28,718,330 | 4,771 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1755% | 3,941 |
| Cost of funding earning assets | 0.2210% | 5,065 |
| Net interest margin | 3.9545% | 2,006 |
| Noninterest income to average assets | 1.6514% | 324 |
| Noninterest expense to average assets | 4.0406% | 511 |
| Loan and lease loss provision to assets | 0.3046% | 420 |
| Net operating income to assets | 0.8460% | 3,467 |
| Return on assets (ROA) | 0.8460% | 3,507 |
| Pretax return on assets | 0.8190% | 3,999 |
| Return on Equity (ROE) | 7.4228% | 3,491 |
| Retained earnings to average equity (ytd only) | 3.2660% | 3,618 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2438% | 1,240 |
| Assets per employee ($millions) | 4.9093% | 2,631 |
| Cash dividends to net income (ytd only)* | 56.0000% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0711% | 126 |
| Loan loss allowance to noncurrent loans | 137.6667% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 1.0185% | 1,374 |
| Noncurrent loans to loans | 2.2308% | 630 |
| Net loans and leases to total assets | 44.2532% | 4,739 |
| Net loans and leases to deposits | 51.6054% | 4,761 |
| Net loans and leases to core deposits | 51.6054% | 4,848 |
| Total domestic deposits to total assets | 85.7531% | 2,386 |
| Equity capital to assets | 11.4936% | 2,405 |
| Core capital (leverage) ratio | 11.8387% | 1,875 |
| Tier 1 risk-based capital ratio | 20.2079% | 1,305 |
| Total risk-based capital ratio | 21.4712% | 1,268 |
| Memoranda: | ||
| Average total assets | $59,100,000 | 4,759 |
| Average earning assets | $52,496,500 | 4,787 |
| Average equity | $6,736,000 | 4,797 |
| Average total loans | $29,027,000 | 4,812 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2085% | 3,422 |
| Cost of funding earning assets | 0.1990% | 5,006 |
| Net interest margin | 4.0096% | 1,955 |
| Noninterest income to average assets | 0.0358% | 5,298 |
| Noninterest expense to average assets | 2.7466% | 2,870 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8610% | 3,573 |
| Return on assets (ROA) | 0.8610% | 3,569 |
| Pretax return on assets | 0.8968% | 3,907 |
| Return on Equity (ROE) | 7.6615% | 3,590 |
| Retained earnings to average equity (ytd only) | 4.4755% | 3,064 |
| Net charge-offs to loans | 0.7542% | 209 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 2.2575% | 3,541 |
| Efficiency ratio | 75.3861% | 1,442 |
| Assets per employee ($millions) | 4.9408% | 2,571 |
| Cash dividends to net income (ytd only)* | 41.5842% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5066% | 234 |
| Loan loss allowance to noncurrent loans | 107.5758% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.2245% | 1,060 |
| Noncurrent loans to loans | 2.3301% | 539 |
| Net loans and leases to total assets | 51.2355% | 4,442 |
| Net loans and leases to deposits | 59.2699% | 4,516 |
| Net loans and leases to core deposits | 59.2699% | 4,660 |
| Total domestic deposits to total assets | 86.4444% | 2,038 |
| Equity capital to assets | 11.3023% | 2,412 |
| Core capital (leverage) ratio | 12.0204% | 1,724 |
| Tier 1 risk-based capital ratio | 17.9636% | 1,763 |
| Total risk-based capital ratio | 19.2241% | 1,720 |
| Memoranda: | ||
| Average total assets | $58,655,200 | 4,787 |
| Average earning assets | $52,774,000 | 4,803 |
| Average equity | $6,591,400 | 4,812 |
| Average total loans | $30,895,000 | 4,795 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1608% | 3,430 |
| Cost of funding earning assets | 0.1996% | 5,019 |
| Net interest margin | 3.9613% | 2,087 |
| Noninterest income to average assets | 0.5630% | 2,507 |
| Noninterest expense to average assets | 3.1819% | 1,564 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9459% | 3,318 |
| Return on assets (ROA) | 0.9459% | 3,329 |
| Pretax return on assets | 0.9550% | 3,866 |
| Return on Equity (ROE) | 8.4296% | 3,368 |
| Retained earnings to average equity (ytd only) | 5.5859% | 2,896 |
| Net charge-offs to loans | 0.0346% | 2,394 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 52.3571% | 1,144 |
| Efficiency ratio | 76.9146% | 1,239 |
| Assets per employee ($millions) | 4.3012% | 3,419 |
| Cash dividends to net income (ytd only)* | 33.7345% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1084% | 123 |
| Loan loss allowance to noncurrent loans | 107.5855% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 1.6740% | 740 |
| Noncurrent loans to loans | 2.8892% | 392 |
| Net loans and leases to total assets | 56.1370% | 4,209 |
| Net loans and leases to deposits | 65.5371% | 4,235 |
| Net loans and leases to core deposits | 65.5371% | 4,427 |
| Total domestic deposits to total assets | 85.6568% | 2,344 |
| Equity capital to assets | 11.7071% | 2,097 |
| Core capital (leverage) ratio | 12.1665% | 1,683 |
| Tier 1 risk-based capital ratio | 16.9856% | 2,114 |
| Total risk-based capital ratio | 18.2502% | 2,056 |
| Memoranda: | ||
| Average total assets | $58,496,750 | 4,840 |
| Average earning assets | $52,776,500 | 4,857 |
| Average equity | $6,564,000 | 4,868 |
| Average total loans | $30,829,250 | 4,852 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2057% | 3,096 |
| Cost of funding earning assets | 0.1983% | 5,039 |
| Net interest margin | 4.0074% | 1,832 |
| Noninterest income to average assets | 0.5391% | 2,640 |
| Noninterest expense to average assets | 3.1470% | 1,671 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0007% | 3,017 |
| Return on assets (ROA) | 1.0007% | 3,014 |
| Pretax return on assets | 1.0007% | 3,659 |
| Return on Equity (ROE) | 9.0411% | 2,996 |
| Retained earnings to average equity (ytd only) | 6.9102% | 2,109 |
| Net charge-offs to loans | 0.0528% | 1,848 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 37.1250% | 1,346 |
| Efficiency ratio | 75.8733% | 1,441 |
| Assets per employee ($millions) | 4.5152% | 3,109 |
| Cash dividends to net income (ytd only)* | 23.5690% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2974% | 106 |
| Loan loss allowance to noncurrent loans | 161.6372% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 1.0614% | 1,400 |
| Noncurrent loans to loans | 2.0400% | 728 |
| Net loans and leases to total assets | 50.3118% | 4,587 |
| Net loans and leases to deposits | 58.2784% | 4,626 |
| Net loans and leases to core deposits | 58.2784% | 4,781 |
| Total domestic deposits to total assets | 86.3300% | 2,127 |
| Equity capital to assets | 11.2542% | 2,399 |
| Core capital (leverage) ratio | 11.6579% | 1,937 |
| Tier 1 risk-based capital ratio | 17.5190% | 1,938 |
| Total risk-based capital ratio | 18.7849% | 1,887 |
| Memoranda: | ||
| Average total assets | $59,357,330 | 4,881 |
| Average earning assets | $53,451,330 | 4,908 |
| Average equity | $6,570,000 | 4,912 |
| Average total loans | $30,307,000 | 4,921 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1055% | 3,220 |
| Cost of funding earning assets | 0.1941% | 5,047 |
| Net interest margin | 3.9114% | 1,998 |
| Noninterest income to average assets | 0.2547% | 4,475 |
| Noninterest expense to average assets | 3.1230% | 1,762 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6769% | 4,183 |
| Return on assets (ROA) | 0.6769% | 4,185 |
| Pretax return on assets | 0.6434% | 4,580 |
| Return on Equity (ROE) | 6.1661% | 4,101 |
| Retained earnings to average equity (ytd only) | 6.1661% | 2,638 |
| Net charge-offs to loans | 0.1060% | 1,141 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,820 |
| Efficiency ratio | 82.9181% | 867 |
| Assets per employee ($millions) | 4.6438% | 2,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5189% | 88 |
| Loan loss allowance to noncurrent loans | 2,097.9167% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 4,691 |
| Noncurrent loans to loans | 0.1677% | 4,223 |
| Net loans and leases to total assets | 45.7354% | 4,804 |
| Net loans and leases to deposits | 52.5494% | 4,861 |
| Net loans and leases to core deposits | 52.5494% | 4,965 |
| Total domestic deposits to total assets | 87.0331% | 2,107 |
| Equity capital to assets | 10.7804% | 2,791 |
| Core capital (leverage) ratio | 10.9944% | 2,446 |
| Tier 1 risk-based capital ratio | 18.0833% | 1,816 |
| Total risk-based capital ratio | 19.3513% | 1,753 |
| Memoranda: | ||
| Average total assets | $59,687,000 | 4,934 |
| Average earning assets | $53,587,000 | 4,962 |
| Average equity | $6,552,000 | 4,968 |
| Average total loans | $30,191,000 | 4,971 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0298% | 3,308 |
| Cost of funding earning assets | 0.1997% | 4,953 |
| Net interest margin | 3.8301% | 2,316 |
| Noninterest income to average assets | 0.5277% | 2,832 |
| Noninterest expense to average assets | 3.0530% | 2,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9314% | 2,543 |
| Return on assets (ROA) | 0.9344% | 2,560 |
| Pretax return on assets | 0.9608% | 3,697 |
| Return on Equity (ROE) | 9.3042% | 2,177 |
| Retained earnings to average equity (ytd only) | 6.5995% | 1,230 |
| Net charge-offs to loans | 0.3800% | 664 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 4.9360% | 3,396 |
| Efficiency ratio | 76.1223% | 1,599 |
| Assets per employee ($millions) | 4.5388% | 3,131 |
| Cash dividends to net income (ytd only)* | 29.0698% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1953% | 115 |
| Loan loss allowance to noncurrent loans | 8,458.3333% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 5,055 |
| Noncurrent loans to loans | 0.0378% | 4,841 |
| Net loans and leases to total assets | 52.1142% | 4,512 |
| Net loans and leases to deposits | 60.1785% | 4,556 |
| Net loans and leases to core deposits | 60.1785% | 4,750 |
| Total domestic deposits to total assets | 86.5994% | 2,191 |
| Equity capital to assets | 11.1787% | 2,452 |
| Core capital (leverage) ratio | 10.8088% | 2,529 |
| Tier 1 risk-based capital ratio | 16.4356% | 2,291 |
| Total risk-based capital ratio | 17.7015% | 2,219 |
| Memoranda: | ||
| Average total assets | $64,428,800 | 4,868 |
| Average earning assets | $58,588,800 | 4,891 |
| Average equity | $6,470,200 | 5,028 |
| Average total loans | $32,896,800 | 4,927 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9348% | 3,573 |
| Cost of funding earning assets | 0.1997% | 4,980 |
| Net interest margin | 3.7351% | 2,636 |
| Noninterest income to average assets | 0.5229% | 2,881 |
| Noninterest expense to average assets | 2.9834% | 2,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9203% | 2,924 |
| Return on assets (ROA) | 0.9242% | 2,966 |
| Pretax return on assets | 0.9546% | 3,845 |
| Return on Equity (ROE) | 9.4425% | 2,386 |
| Retained earnings to average equity (ytd only) | 9.4425% | 724 |
| Net charge-offs to loans | 0.4219% | 495 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.4666% | 3,218 |
| Efficiency ratio | 75.8372% | 1,614 |
| Assets per employee ($millions) | 4.6461% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1203% | 139 |
| Loan loss allowance to noncurrent loans | 3,568.9655% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 4,992 |
| Noncurrent loans to loans | 0.0874% | 4,721 |
| Net loans and leases to total assets | 53.2045% | 4,477 |
| Net loans and leases to deposits | 61.2819% | 4,570 |
| Net loans and leases to core deposits | 61.2819% | 4,749 |
| Total domestic deposits to total assets | 86.8193% | 1,947 |
| Equity capital to assets | 11.1840% | 2,689 |
| Core capital (leverage) ratio | 10.5445% | 2,938 |
| Tier 1 risk-based capital ratio | 16.1450% | 2,440 |
| Total risk-based capital ratio | 17.4134% | 2,382 |
| Memoranda: | ||
| Average total assets | $65,784,750 | 4,901 |
| Average earning assets | $60,077,250 | 4,909 |
| Average equity | $6,438,750 | 5,089 |
| Average total loans | $33,179,750 | 4,966 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8033% | 3,881 |
| Cost of funding earning assets | 0.2012% | 4,969 |
| Net interest margin | 3.6021% | 3,031 |
| Noninterest income to average assets | 0.5120% | 2,949 |
| Noninterest expense to average assets | 2.9032% | 2,417 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8672% | 3,087 |
| Return on assets (ROA) | 0.8701% | 3,120 |
| Pretax return on assets | 0.8967% | 3,948 |
| Return on Equity (ROE) | 9.2842% | 2,372 |
| Retained earnings to average equity (ytd only) | 9.2842% | 764 |
| Net charge-offs to loans | 2.1396% | 73 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 0.8507% | 3,340 |
| Efficiency ratio | 76.4614% | 1,646 |
| Assets per employee ($millions) | 5.1296% | 2,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4773% | 290 |
| Loan loss allowance to noncurrent loans | 1,377.1930% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 4,854 |
| Noncurrent loans to loans | 0.1799% | 4,398 |
| Net loans and leases to total assets | 46.3418% | 4,933 |
| Net loans and leases to deposits | 52.4322% | 5,042 |
| Net loans and leases to core deposits | 52.4322% | 5,134 |
| Total domestic deposits to total assets | 88.3842% | 1,262 |
| Equity capital to assets | 9.9483% | 3,971 |
| Core capital (leverage) ratio | 9.6996% | 3,897 |
| Tier 1 risk-based capital ratio | 16.1115% | 2,454 |
| Total risk-based capital ratio | 17.3733% | 2,400 |
| Memoranda: | ||
| Average total assets | $67,580,000 | 4,910 |
| Average earning assets | $61,630,670 | 4,906 |
| Average equity | $6,333,330 | 5,137 |
| Average total loans | $33,183,000 | 5,003 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7840% | 3,816 |
| Cost of funding earning assets | 0.2012% | 4,969 |
| Net interest margin | 3.5828% | 2,950 |
| Noninterest income to average assets | 0.5116% | 2,903 |
| Noninterest expense to average assets | 2.9341% | 2,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7997% | 3,223 |
| Return on assets (ROA) | 0.7997% | 3,278 |
| Pretax return on assets | 0.8232% | 4,019 |
| Return on Equity (ROE) | 8.7983% | 2,514 |
| Retained earnings to average equity (ytd only) | 8.7983% | 1,145 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0908% | 1,614 |
| Assets per employee ($millions) | 5.3418% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6772% | 104 |
| Loan loss allowance to noncurrent loans | 1,373.4940% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 4,157 |
| Noncurrent loans to loans | 0.2677% | 4,154 |
| Net loans and leases to total assets | 43.0016% | 5,102 |
| Net loans and leases to deposits | 48.0707% | 5,217 |
| Net loans and leases to core deposits | 48.3204% | 5,287 |
| Total domestic deposits to total assets | 89.4548% | 920 |
| Equity capital to assets | 9.0605% | 4,751 |
| Core capital (leverage) ratio | 9.1132% | 4,600 |
| Tier 1 risk-based capital ratio | 15.6145% | 2,706 |
| Total risk-based capital ratio | 16.8840% | 2,638 |
| Memoranda: | ||
| Average total assets | $68,027,500 | 4,949 |
| Average earning assets | $61,627,500 | 4,959 |
| Average equity | $6,183,000 | 5,207 |
| Average total loans | $33,930,500 | 5,031 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3501% | 1,979 |
| Cost of funding earning assets | 0.2142% | 4,892 |
| Net interest margin | 4.1359% | 1,284 |
| Noninterest income to average assets | 0.2880% | 4,679 |
| Noninterest expense to average assets | 2.7116% | 3,312 |
| Loan and lease loss provision to assets | 1.6872% | 51 |
| Net operating income to assets | -0.3322% | 5,750 |
| Return on assets (ROA) | -0.3322% | 5,759 |
| Pretax return on assets | -0.3502% | 5,752 |
| Return on Equity (ROE) | -2.9455% | 5,754 |
| Retained earnings to average equity (ytd only) | -8.0240% | 5,754 |
| Net charge-offs to loans | 1.0992% | 165 |
| Credit loss provision to net charge-offs | 246.6507% | 1,175 |
| Earnings coverage of net charge-offs (x) | 1.9545% | 3,915 |
| Efficiency ratio | 66.9766% | 3,445 |
| Assets per employee ($millions) | 5.1239% | 2,259 |
| Cash dividends to net income (ytd only)* | -172.4138% | 5,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0929% | 157 |
| Loan loss allowance to noncurrent loans | 272.7273% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.6275% | 2,843 |
| Noncurrent loans to loans | 1.1341% | 1,810 |
| Net loans and leases to total assets | 53.6233% | 4,468 |
| Net loans and leases to deposits | 60.0097% | 4,666 |
| Net loans and leases to core deposits | 60.3341% | 4,848 |
| Total domestic deposits to total assets | 89.3576% | 922 |
| Equity capital to assets | 9.1186% | 4,686 |
| Core capital (leverage) ratio | 9.8099% | 3,732 |
| Tier 1 risk-based capital ratio | 13.6339% | 3,685 |
| Total risk-based capital ratio | 14.9016% | 3,578 |
| Memoranda: | ||
| Average total assets | $61,108,000 | 5,114 |
| Average earning assets | $55,562,000 | 5,137 |
| Average equity | $6,891,800 | 5,113 |
| Average total loans | $38,027,000 | 4,947 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4133% | 1,820 |
| Cost of funding earning assets | 0.2189% | 4,885 |
| Net interest margin | 4.1944% | 1,133 |
| Noninterest income to average assets | 0.2656% | 4,874 |
| Noninterest expense to average assets | 2.7433% | 3,200 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2857% | 1,340 |
| Return on assets (ROA) | 1.2857% | 1,446 |
| Pretax return on assets | 1.3281% | 2,319 |
| Return on Equity (ROE) | 10.8223% | 1,738 |
| Retained earnings to average equity (ytd only) | 4.9039% | 2,895 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3794% | 3,342 |
| Assets per employee ($millions) | 4.4662% | 3,136 |
| Cash dividends to net income (ytd only)* | 54.6876% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 2,640 |
| Loan loss allowance to noncurrent loans | 74.5403% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 1.2177% | 1,631 |
| Noncurrent loans to loans | 1.7554% | 1,185 |
| Net loans and leases to total assets | 68.4619% | 2,729 |
| Net loans and leases to deposits | 79.7628% | 2,996 |
| Net loans and leases to core deposits | 80.2783% | 3,420 |
| Total domestic deposits to total assets | 85.8319% | 2,438 |
| Equity capital to assets | 12.4940% | 1,784 |
| Core capital (leverage) ratio | 12.6406% | 1,338 |
| Tier 1 risk-based capital ratio | 14.5834% | 3,242 |
| Total risk-based capital ratio | 15.6760% | 3,251 |
| Memoranda: | ||
| Average total assets | $59,732,250 | 5,192 |
| Average earning assets | $54,198,250 | 5,211 |
| Average equity | $7,096,250 | 5,124 |
| Average total loans | $38,319,000 | 4,982 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4467% | 1,685 |
| Cost of funding earning assets | 0.2203% | 4,934 |
| Net interest margin | 4.2264% | 1,067 |
| Noninterest income to average assets | 0.1493% | 5,555 |
| Noninterest expense to average assets | 2.7036% | 3,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2208% | 1,530 |
| Return on assets (ROA) | 1.2208% | 1,627 |
| Pretax return on assets | 1.2639% | 2,546 |
| Return on Equity (ROE) | 10.4491% | 1,870 |
| Retained earnings to average equity (ytd only) | 4.4863% | 3,061 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1438% | 3,316 |
| Assets per employee ($millions) | 4.7626% | 2,610 |
| Cash dividends to net income (ytd only)* | 57.0652% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 2,431 |
| Loan loss allowance to noncurrent loans | 335.6688% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.2536% | 4,485 |
| Noncurrent loans to loans | 0.4083% | 3,891 |
| Net loans and leases to total assets | 61.2479% | 3,719 |
| Net loans and leases to deposits | 70.4825% | 3,940 |
| Net loans and leases to core deposits | 70.9042% | 4,258 |
| Total domestic deposits to total assets | 86.8980% | 1,962 |
| Equity capital to assets | 11.6161% | 2,429 |
| Core capital (leverage) ratio | 11.2766% | 2,170 |
| Tier 1 risk-based capital ratio | 14.6884% | 3,210 |
| Total risk-based capital ratio | 15.8060% | 3,220 |
| Memoranda: | ||
| Average total assets | $60,289,670 | 5,236 |
| Average earning assets | $54,467,000 | 5,261 |
| Average equity | $7,043,670 | 5,185 |
| Average total loans | $37,666,670 | 5,051 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3812% | 1,856 |
| Cost of funding earning assets | 0.2231% | 4,969 |
| Net interest margin | 4.1580% | 1,198 |
| Noninterest income to average assets | -0.0067% | 6,087 |
| Noninterest expense to average assets | 2.5556% | 3,892 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1433% | 1,737 |
| Return on assets (ROA) | 1.1433% | 1,857 |
| Pretax return on assets | 1.1971% | 2,711 |
| Return on Equity (ROE) | 9.7568% | 2,091 |
| Retained earnings to average equity (ytd only) | 3.7305% | 3,624 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1004% | 3,455 |
| Assets per employee ($millions) | 4.7715% | 2,641 |
| Cash dividends to net income (ytd only)* | 61.7647% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 2,257 |
| Loan loss allowance to noncurrent loans | 458.2609% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 4,823 |
| Noncurrent loans to loans | 0.3136% | 4,307 |
| Net loans and leases to total assets | 58.2734% | 4,017 |
| Net loans and leases to deposits | 66.6931% | 4,184 |
| Net loans and leases to core deposits | 67.0892% | 4,466 |
| Total domestic deposits to total assets | 87.3755% | 2,014 |
| Equity capital to assets | 11.2526% | 2,673 |
| Core capital (leverage) ratio | 10.8908% | 2,522 |
| Tier 1 risk-based capital ratio | 14.9528% | 3,184 |
| Total risk-based capital ratio | 16.1080% | 3,161 |
| Memoranda: | ||
| Average total assets | $59,477,500 | 5,299 |
| Average earning assets | $53,775,500 | 5,322 |
| Average equity | $6,969,500 | 5,239 |
| Average total loans | $37,276,000 | 5,102 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5388% | 1,488 |
| Cost of funding earning assets | 0.2227% | 5,070 |
| Net interest margin | 4.3161% | 937 |
| Noninterest income to average assets | 0.2201% | 5,280 |
| Noninterest expense to average assets | 2.6161% | 3,861 |
| Loan and lease loss provision to assets | 0.6092% | 173 |
| Net operating income to assets | 0.8208% | 3,244 |
| Return on assets (ROA) | 0.8208% | 3,322 |
| Pretax return on assets | 0.8652% | 3,972 |
| Return on Equity (ROE) | 6.8503% | 3,594 |
| Retained earnings to average equity (ytd only) | 0.8687% | 5,171 |
| Net charge-offs to loans | 0.7035% | 340 |
| Credit loss provision to net charge-offs | 130.7692% | 2,000 |
| Earnings coverage of net charge-offs (x) | 3.1648% | 3,761 |
| Efficiency ratio | 63.9549% | 4,273 |
| Assets per employee ($millions) | 4.3788% | 3,257 |
| Cash dividends to net income (ytd only)* | 87.3181% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3913% | 2,467 |
| Loan loss allowance to noncurrent loans | 775.0000% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 5,116 |
| Noncurrent loans to loans | 0.1795% | 4,775 |
| Net loans and leases to total assets | 65.6144% | 3,040 |
| Net loans and leases to deposits | 76.1550% | 3,230 |
| Net loans and leases to core deposits | 76.1550% | 3,740 |
| Total domestic deposits to total assets | 86.1590% | 2,566 |
| Equity capital to assets | 12.2249% | 1,795 |
| Core capital (leverage) ratio | 11.4741% | 1,978 |
| Tier 1 risk-based capital ratio | 15.5575% | 2,904 |
| Total risk-based capital ratio | 16.7677% | 2,860 |
| Memoranda: | ||
| Average total assets | $58,599,000 | 5,351 |
| Average earning assets | $52,547,400 | 5,370 |
| Average equity | $7,021,600 | 5,238 |
| Average total loans | $38,803,800 | 5,059 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4569% | 1,737 |
| Cost of funding earning assets | 0.2215% | 5,167 |
| Net interest margin | 4.2354% | 1,091 |
| Noninterest income to average assets | 0.1130% | 5,903 |
| Noninterest expense to average assets | 2.6161% | 3,814 |
| Loan and lease loss provision to assets | 0.0565% | 3,060 |
| Net operating income to assets | 1.1793% | 1,719 |
| Return on assets (ROA) | 1.1793% | 1,790 |
| Pretax return on assets | 1.2425% | 2,638 |
| Return on Equity (ROE) | 9.8899% | 2,145 |
| Retained earnings to average equity (ytd only) | 3.9218% | 3,672 |
| Net charge-offs to loans | 0.7173% | 295 |
| Credit loss provision to net charge-offs | 11.9048% | 3,436 |
| Earnings coverage of net charge-offs (x) | 2.7381% | 3,608 |
| Efficiency ratio | 66.8205% | 3,749 |
| Assets per employee ($millions) | 4.3405% | 3,258 |
| Cash dividends to net income (ytd only)* | 60.3451% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6448% | 5,827 |
| Loan loss allowance to noncurrent loans | 76.5579% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 0.5972% | 3,482 |
| Noncurrent loans to loans | 0.8422% | 2,866 |
| Net loans and leases to total assets | 70.4551% | 2,320 |
| Net loans and leases to deposits | 82.2081% | 2,620 |
| Net loans and leases to core deposits | 82.2081% | 3,230 |
| Total domestic deposits to total assets | 85.7034% | 2,691 |
| Equity capital to assets | 12.6148% | 1,681 |
| Core capital (leverage) ratio | 11.9863% | 1,680 |
| Tier 1 risk-based capital ratio | 15.0470% | 3,270 |
| Total risk-based capital ratio | 15.6081% | 3,568 |
| Memoranda: | ||
| Average total assets | $59,017,500 | 5,407 |
| Average earning assets | $52,980,250 | 5,429 |
| Average equity | $7,037,250 | 5,303 |
| Average total loans | $39,035,250 | 5,104 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2805% | 2,238 |
| Cost of funding earning assets | 0.2187% | 5,268 |
| Net interest margin | 4.0618% | 1,467 |
| Noninterest income to average assets | 0.3674% | 4,313 |
| Noninterest expense to average assets | 2.8690% | 3,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1089% | 1,914 |
| Return on assets (ROA) | 1.1089% | 2,001 |
| Pretax return on assets | 1.1590% | 2,942 |
| Return on Equity (ROE) | 9.4717% | 2,314 |
| Retained earnings to average equity (ytd only) | 3.4806% | 3,825 |
| Net charge-offs to loans | 1.0850% | 183 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.6524% | 3,476 |
| Efficiency ratio | 71.2272% | 3,125 |
| Assets per employee ($millions) | 4.5034% | 2,985 |
| Cash dividends to net income (ytd only)* | 63.2530% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6005% | 5,976 |
| Loan loss allowance to noncurrent loans | 37.7634% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 1.0539% | 2,402 |
| Noncurrent loans to loans | 1.5900% | 1,650 |
| Net loans and leases to total assets | 65.8838% | 2,970 |
| Net loans and leases to deposits | 76.3797% | 3,221 |
| Net loans and leases to core deposits | 76.3797% | 3,724 |
| Total domestic deposits to total assets | 86.2582% | 2,554 |
| Equity capital to assets | 12.0234% | 2,007 |
| Core capital (leverage) ratio | 11.3730% | 2,096 |
| Tier 1 risk-based capital ratio | 15.6971% | 3,000 |
| Total risk-based capital ratio | 16.2331% | 3,305 |
| Memoranda: | ||
| Average total assets | $59,881,330 | 5,453 |
| Average earning assets | $53,966,000 | 5,463 |
| Average equity | $7,010,330 | 5,357 |
| Average total loans | $38,709,330 | 5,156 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3060% | 2,080 |
| Cost of funding earning assets | 0.2208% | 5,312 |
| Net interest margin | 4.0852% | 1,319 |
| Noninterest income to average assets | 0.5219% | 3,143 |
| Noninterest expense to average assets | 2.9133% | 2,861 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2221% | 1,484 |
| Return on assets (ROA) | 1.2221% | 1,574 |
| Pretax return on assets | 1.2750% | 2,374 |
| Return on Equity (ROE) | 10.5775% | 1,773 |
| Retained earnings to average equity (ytd only) | 4.5740% | 3,281 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5584% | 3,564 |
| Assets per employee ($millions) | 4.9462% | 2,427 |
| Cash dividends to net income (ytd only)* | 56.7568% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 4,055 |
| Loan loss allowance to noncurrent loans | 28.3974% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 2.4867% | 865 |
| Noncurrent loans to loans | 4.1751% | 399 |
| Net loans and leases to total assets | 57.4190% | 4,034 |
| Net loans and leases to deposits | 65.5837% | 4,192 |
| Net loans and leases to core deposits | 65.5837% | 4,562 |
| Total domestic deposits to total assets | 87.5507% | 2,072 |
| Equity capital to assets | 10.9361% | 3,042 |
| Core capital (leverage) ratio | 10.5625% | 2,894 |
| Tier 1 risk-based capital ratio | 16.0166% | 2,911 |
| Total risk-based capital ratio | 17.0625% | 2,944 |
| Memoranda: | ||
| Average total assets | $60,550,000 | 5,490 |
| Average earning assets | $54,343,000 | 5,506 |
| Average equity | $6,996,000 | 5,403 |
| Average total loans | $38,662,000 | 5,190 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6794% | 1,357 |
| Cost of funding earning assets | 0.2352% | 5,465 |
| Net interest margin | 4.4442% | 826 |
| Noninterest income to average assets | 0.2396% | 5,412 |
| Noninterest expense to average assets | 2.5979% | 4,228 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5779% | 738 |
| Return on assets (ROA) | 1.5779% | 776 |
| Pretax return on assets | 1.6515% | 1,094 |
| Return on Equity (ROE) | 13.4776% | 1,047 |
| Retained earnings to average equity (ytd only) | 7.3381% | 1,255 |
| Net charge-offs to loans | -0.0157% | 5,655 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1357% | 5,045 |
| Assets per employee ($millions) | 4.3692% | 3,238 |
| Cash dividends to net income (ytd only)* | 45.5531% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 4,498 |
| Loan loss allowance to noncurrent loans | 117.5066% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.7324% | 3,378 |
| Noncurrent loans to loans | 0.9434% | 2,965 |
| Net loans and leases to total assets | 69.5734% | 2,295 |
| Net loans and leases to deposits | 80.8697% | 2,612 |
| Net loans and leases to core deposits | 80.8697% | 3,205 |
| Total domestic deposits to total assets | 86.0314% | 2,821 |
| Equity capital to assets | 12.2537% | 1,824 |
| Core capital (leverage) ratio | 11.2929% | 2,141 |
| Tier 1 risk-based capital ratio | 14.6915% | 3,663 |
| Total risk-based capital ratio | 15.6744% | 3,755 |
| Memoranda: | ||
| Average total assets | $58,431,400 | 5,587 |
| Average earning assets | $52,720,400 | 5,600 |
| Average equity | $6,841,000 | 5,451 |
| Average total loans | $38,269,400 | 5,244 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5777% | 1,622 |
| Cost of funding earning assets | 0.2379% | 5,533 |
| Net interest margin | 4.3398% | 973 |
| Noninterest income to average assets | 0.1428% | 6,063 |
| Noninterest expense to average assets | 2.6331% | 4,087 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3641% | 1,214 |
| Return on assets (ROA) | 1.3641% | 1,251 |
| Pretax return on assets | 1.4367% | 1,866 |
| Return on Equity (ROE) | 11.7842% | 1,536 |
| Retained earnings to average equity (ytd only) | 5.6181% | 2,655 |
| Net charge-offs to loans | -0.0176% | 5,579 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6993% | 4,432 |
| Assets per employee ($millions) | 4.3500% | 3,210 |
| Cash dividends to net income (ytd only)* | 52.3254% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 4,841 |
| Loan loss allowance to noncurrent loans | 107.8049% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.7940% | 3,440 |
| Noncurrent loans to loans | 1.0021% | 3,062 |
| Net loans and leases to total assets | 71.5721% | 1,922 |
| Net loans and leases to deposits | 82.9572% | 2,299 |
| Net loans and leases to core deposits | 82.9572% | 3,009 |
| Total domestic deposits to total assets | 86.2759% | 2,716 |
| Equity capital to assets | 11.9576% | 2,093 |
| Core capital (leverage) ratio | 11.1723% | 2,336 |
| Tier 1 risk-based capital ratio | 13.6444% | 4,450 |
| Total risk-based capital ratio | 14.5875% | 4,588 |
| Memoranda: | ||
| Average total assets | $58,839,500 | 5,638 |
| Average earning assets | $53,241,750 | 5,655 |
| Average equity | $6,811,250 | 5,510 |
| Average total loans | $37,846,750 | 5,305 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3860% | 2,226 |
| Cost of funding earning assets | 0.2369% | 5,613 |
| Net interest margin | 4.1491% | 1,387 |
| Noninterest income to average assets | 0.2718% | 5,258 |
| Noninterest expense to average assets | 2.6140% | 4,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3523% | 1,180 |
| Return on assets (ROA) | 1.3523% | 1,225 |
| Pretax return on assets | 1.4194% | 1,820 |
| Return on Equity (ROE) | 11.8049% | 1,479 |
| Retained earnings to average equity (ytd only) | 5.6535% | 2,544 |
| Net charge-offs to loans | -0.0217% | 5,578 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8087% | 4,565 |
| Assets per employee ($millions) | 4.5402% | 2,864 |
| Cash dividends to net income (ytd only)* | 52.1092% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 4,738 |
| Loan loss allowance to noncurrent loans | 114.2487% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.7201% | 3,823 |
| Noncurrent loans to loans | 0.9934% | 3,249 |
| Net loans and leases to total assets | 65.0842% | 2,895 |
| Net loans and leases to deposits | 74.7514% | 3,235 |
| Net loans and leases to core deposits | 74.7514% | 3,751 |
| Total domestic deposits to total assets | 87.0675% | 2,420 |
| Equity capital to assets | 11.3009% | 2,613 |
| Core capital (leverage) ratio | 10.3093% | 3,203 |
| Tier 1 risk-based capital ratio | 13.7895% | 4,397 |
| Total risk-based capital ratio | 14.7560% | 4,519 |
| Memoranda: | ||
| Average total assets | $59,602,670 | 5,671 |
| Average earning assets | $54,036,000 | 5,687 |
| Average equity | $6,827,670 | 5,532 |
| Average total loans | $36,823,670 | 5,379 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1573% | 3,045 |
| Cost of funding earning assets | 0.2350% | 5,712 |
| Net interest margin | 3.9222% | 2,004 |
| Noninterest income to average assets | 0.2404% | 5,436 |
| Noninterest expense to average assets | 2.5913% | 4,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1487% | 1,636 |
| Return on assets (ROA) | 1.1487% | 1,704 |
| Pretax return on assets | 1.2155% | 2,415 |
| Return on Equity (ROE) | 9.9616% | 2,055 |
| Retained earnings to average equity (ytd only) | 3.8804% | 3,791 |
| Net charge-offs to loans | -0.0112% | 5,092 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0702% | 4,169 |
| Assets per employee ($millions) | 4.8955% | 2,379 |
| Cash dividends to net income (ytd only)* | 61.0465% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 4,316 |
| Loan loss allowance to noncurrent loans | 103.7915% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 0.7244% | 3,952 |
| Noncurrent loans to loans | 1.2168% | 3,012 |
| Net loans and leases to total assets | 53.8065% | 4,445 |
| Net loans and leases to deposits | 61.3982% | 4,612 |
| Net loans and leases to core deposits | 61.3982% | 4,934 |
| Total domestic deposits to total assets | 87.6353% | 2,434 |
| Equity capital to assets | 10.9002% | 2,824 |
| Core capital (leverage) ratio | 10.3925% | 3,055 |
| Tier 1 risk-based capital ratio | 15.1714% | 3,623 |
| Total risk-based capital ratio | 16.1849% | 3,700 |
| Memoranda: | ||
| Average total assets | $59,893,000 | 5,714 |
| Average earning assets | $54,459,000 | 5,725 |
| Average equity | $6,906,500 | 5,539 |
| Average total loans | $35,808,000 | 5,469 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4216% | 2,503 |
| Cost of funding earning assets | 0.2697% | 5,836 |
| Net interest margin | 4.1520% | 1,491 |
| Noninterest income to average assets | 0.6547% | 2,783 |
| Noninterest expense to average assets | 2.9944% | 3,072 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3318% | 1,177 |
| Return on assets (ROA) | 1.3318% | 1,218 |
| Pretax return on assets | 1.3815% | 1,859 |
| Return on Equity (ROE) | 11.3451% | 1,658 |
| Retained earnings to average equity (ytd only) | 3.8839% | 3,440 |
| Net charge-offs to loans | 0.0253% | 4,915 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 89.5556% | 503 |
| Efficiency ratio | 68.4293% | 4,121 |
| Assets per employee ($millions) | 4.3188% | 3,236 |
| Cash dividends to net income (ytd only)* | 65.7658% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 4,740 |
| Loan loss allowance to noncurrent loans | 633.3333% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 5,729 |
| Noncurrent loans to loans | 0.1868% | 5,639 |
| Net loans and leases to total assets | 65.0067% | 2,866 |
| Net loans and leases to deposits | 75.5402% | 3,026 |
| Net loans and leases to core deposits | 75.5402% | 3,659 |
| Total domestic deposits to total assets | 86.0557% | 3,235 |
| Equity capital to assets | 12.2469% | 1,656 |
| Core capital (leverage) ratio | 10.9460% | 2,440 |
| Tier 1 risk-based capital ratio | 14.7155% | 3,830 |
| Total risk-based capital ratio | 15.7077% | 3,923 |
| Memoranda: | ||
| Average total assets | $58,343,000 | 5,799 |
| Average earning assets | $52,288,600 | 5,828 |
| Average equity | $6,848,800 | 5,607 |
| Average total loans | $35,572,600 | 5,512 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3049% | 2,970 |
| Cost of funding earning assets | 0.2765% | 5,917 |
| Net interest margin | 4.0284% | 1,848 |
| Noninterest income to average assets | 0.4777% | 3,950 |
| Noninterest expense to average assets | 2.5311% | 4,619 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4761% | 937 |
| Return on assets (ROA) | 1.4761% | 986 |
| Pretax return on assets | 1.5418% | 1,494 |
| Return on Equity (ROE) | 12.7055% | 1,315 |
| Retained earnings to average equity (ytd only) | 6.2944% | 2,237 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1456% | 5,116 |
| Assets per employee ($millions) | 4.4234% | 3,008 |
| Cash dividends to net income (ytd only)* | 50.4607% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 4,923 |
| Loan loss allowance to noncurrent loans | 1,061.9048% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 6,025 |
| Noncurrent loans to loans | 0.1118% | 5,994 |
| Net loans and leases to total assets | 64.5433% | 2,911 |
| Net loans and leases to deposits | 74.4937% | 3,157 |
| Net loans and leases to core deposits | 74.4937% | 3,786 |
| Total domestic deposits to total assets | 86.6427% | 2,891 |
| Equity capital to assets | 12.0809% | 1,869 |
| Core capital (leverage) ratio | 11.1458% | 2,346 |
| Tier 1 risk-based capital ratio | 14.6262% | 3,999 |
| Total risk-based capital ratio | 15.6254% | 4,118 |
| Memoranda: | ||
| Average total assets | $58,892,500 | 5,848 |
| Average earning assets | $52,558,500 | 5,883 |
| Average equity | $6,842,000 | 5,684 |
| Average total loans | $35,232,000 | 5,576 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1805% | 3,445 |
| Cost of funding earning assets | 0.2843% | 5,951 |
| Net interest margin | 3.8963% | 2,223 |
| Noninterest income to average assets | 0.3774% | 4,686 |
| Noninterest expense to average assets | 2.4699% | 4,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3006% | 1,320 |
| Return on assets (ROA) | 1.3006% | 1,406 |
| Pretax return on assets | 1.3714% | 2,035 |
| Return on Equity (ROE) | 11.3413% | 1,706 |
| Retained earnings to average equity (ytd only) | 4.9067% | 3,114 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2982% | 4,828 |
| Assets per employee ($millions) | 4.9459% | 2,170 |
| Cash dividends to net income (ytd only)* | 56.7358% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 4,352 |
| Loan loss allowance to noncurrent loans | 1,393.7500% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 6,123 |
| Noncurrent loans to loans | 0.0956% | 6,111 |
| Net loans and leases to total assets | 55.6537% | 4,351 |
| Net loans and leases to deposits | 63.7295% | 4,542 |
| Net loans and leases to core deposits | 63.7295% | 4,925 |
| Total domestic deposits to total assets | 87.3279% | 2,637 |
| Equity capital to assets | 11.4758% | 2,321 |
| Core capital (leverage) ratio | 10.3358% | 3,062 |
| Tier 1 risk-based capital ratio | 15.2924% | 3,602 |
| Total risk-based capital ratio | 16.3642% | 3,668 |
| Memoranda: | ||
| Average total assets | $59,355,330 | 5,868 |
| Average earning assets | $52,768,330 | 5,909 |
| Average equity | $6,807,000 | 5,734 |
| Average total loans | $34,455,670 | 5,642 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2993% | 2,892 |
| Cost of funding earning assets | 0.2841% | 6,078 |
| Net interest margin | 4.0152% | 1,727 |
| Noninterest income to average assets | 0.2965% | 5,331 |
| Noninterest expense to average assets | 2.5877% | 4,441 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1523% | 1,662 |
| Return on assets (ROA) | 1.1523% | 1,769 |
| Pretax return on assets | 1.2332% | 2,455 |
| Return on Equity (ROE) | 10.0514% | 2,043 |
| Retained earnings to average equity (ytd only) | 3.5856% | 4,090 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7249% | 4,363 |
| Assets per employee ($millions) | 5.3776% | 1,769 |
| Cash dividends to net income (ytd only)* | 64.3275% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 4,132 |
| Loan loss allowance to noncurrent loans | 602.7027% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 6,045 |
| Noncurrent loans to loans | 0.2356% | 5,827 |
| Net loans and leases to total assets | 47.9816% | 5,228 |
| Net loans and leases to deposits | 54.2677% | 5,412 |
| Net loans and leases to core deposits | 54.2677% | 5,647 |
| Total domestic deposits to total assets | 88.4164% | 2,055 |
| Equity capital to assets | 10.5391% | 3,502 |
| Core capital (leverage) ratio | 10.2621% | 3,058 |
| Tier 1 risk-based capital ratio | 15.2294% | 3,692 |
| Total risk-based capital ratio | 16.3165% | 3,746 |
| Memoranda: | ||
| Average total assets | $59,357,500 | 5,919 |
| Average earning assets | $52,101,500 | 5,983 |
| Average equity | $6,805,000 | 5,790 |
| Average total loans | $34,945,000 | 5,666 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2720% | 981 |
| Cost of funding earning assets | 0.3494% | 6,218 |
| Net interest margin | 4.9226% | 434 |
| Noninterest income to average assets | 0.1813% | 6,100 |
| Noninterest expense to average assets | 3.2682% | 2,430 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2763% | 1,379 |
| Return on assets (ROA) | 1.2763% | 1,525 |
| Pretax return on assets | 1.3361% | 2,270 |
| Return on Equity (ROE) | 10.1922% | 2,090 |
| Retained earnings to average equity (ytd only) | 3.6561% | 3,646 |
| Net charge-offs to loans | 0.0054% | 5,892 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 357.5000% | 114 |
| Efficiency ratio | 70.9821% | 3,626 |
| Assets per employee ($millions) | 3.8703% | 4,229 |
| Cash dividends to net income (ytd only)* | 64.1288% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 5,308 |
| Loan loss allowance to noncurrent loans | 14,866.6667% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 6,415 |
| Noncurrent loans to loans | 0.0078% | 6,555 |
| Net loans and leases to total assets | 70.1960% | 1,809 |
| Net loans and leases to deposits | 81.4943% | 2,073 |
| Net loans and leases to core deposits | 81.4943% | 2,823 |
| Total domestic deposits to total assets | 86.1361% | 3,281 |
| Equity capital to assets | 12.5664% | 1,659 |
| Core capital (leverage) ratio | 11.4106% | 1,931 |
| Tier 1 risk-based capital ratio | 13.7941% | 4,539 |
| Total risk-based capital ratio | 14.7901% | 4,672 |
| Memoranda: | ||
| Average total assets | $53,515,400 | 6,102 |
| Average earning assets | $48,084,200 | 6,121 |
| Average equity | $6,701,200 | 5,847 |
| Average total loans | $37,276,600 | 5,621 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1949% | 1,208 |
| Cost of funding earning assets | 0.3515% | 6,366 |
| Net interest margin | 4.8435% | 530 |
| Noninterest income to average assets | 0.1774% | 6,246 |
| Noninterest expense to average assets | 3.2765% | 2,339 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2196% | 1,668 |
| Return on assets (ROA) | 1.2196% | 1,842 |
| Pretax return on assets | 1.2746% | 2,693 |
| Return on Equity (ROE) | 9.7487% | 2,473 |
| Retained earnings to average equity (ytd only) | 3.1762% | 4,634 |
| Net charge-offs to loans | 0.0072% | 5,633 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 254.6742% | 180 |
| Efficiency ratio | 71.9934% | 3,332 |
| Assets per employee ($millions) | 3.9320% | 4,010 |
| Cash dividends to net income (ytd only)* | 67.4187% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 5,723 |
| Loan loss allowance to noncurrent loans | 11,150.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 6,545 |
| Noncurrent loans to loans | 0.0099% | 6,644 |
| Net loans and leases to total assets | 72.9472% | 1,400 |
| Net loans and leases to deposits | 94.2253% | 775 |
| Net loans and leases to core deposits | 94.2253% | 1,566 |
| Total domestic deposits to total assets | 77.4179% | 6,175 |
| Equity capital to assets | 12.2729% | 2,061 |
| Core capital (leverage) ratio | 11.5507% | 1,948 |
| Tier 1 risk-based capital ratio | 12.9997% | 5,251 |
| Total risk-based capital ratio | 13.9531% | 5,444 |
| Memoranda: | ||
| Average total assets | $53,348,250 | 6,177 |
| Average earning assets | $48,173,750 | 6,190 |
| Average equity | $6,674,250 | 5,920 |
| Average total loans | $36,975,500 | 5,708 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1115% | 1,473 |
| Cost of funding earning assets | 0.3436% | 6,538 |
| Net interest margin | 4.7679% | 595 |
| Noninterest income to average assets | 0.1781% | 6,292 |
| Noninterest expense to average assets | 3.2360% | 2,476 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2050% | 1,697 |
| Return on assets (ROA) | 1.2050% | 1,896 |
| Pretax return on assets | 1.2542% | 2,710 |
| Return on Equity (ROE) | 9.5682% | 2,544 |
| Retained earnings to average equity (ytd only) | 2.9788% | 4,657 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0675% | 3,421 |
| Assets per employee ($millions) | 3.6832% | 4,554 |
| Cash dividends to net income (ytd only)* | 68.8679% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 5,344 |
| Loan loss allowance to noncurrent loans | 1,493.3333% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 6,670 |
| Noncurrent loans to loans | 0.0804% | 6,462 |
| Net loans and leases to total assets | 71.4593% | 1,649 |
| Net loans and leases to deposits | 85.2233% | 1,699 |
| Net loans and leases to core deposits | 85.2233% | 2,528 |
| Total domestic deposits to total assets | 83.8495% | 4,377 |
| Equity capital to assets | 12.9681% | 1,540 |
| Core capital (leverage) ratio | 11.3595% | 2,003 |
| Tier 1 risk-based capital ratio | 13.9173% | 4,510 |
| Total risk-based capital ratio | 14.9544% | 4,638 |
| Memoranda: | ||
| Average total assets | $52,781,670 | 6,238 |
| Average earning assets | $47,735,670 | 6,240 |
| Average equity | $6,647,000 | 5,946 |
| Average total loans | $35,766,670 | 5,798 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0020% | 1,880 |
| Cost of funding earning assets | 0.3467% | 6,656 |
| Net interest margin | 4.6553% | 743 |
| Noninterest income to average assets | 0.1873% | 6,257 |
| Noninterest expense to average assets | 3.1991% | 2,604 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1463% | 1,893 |
| Return on assets (ROA) | 1.1463% | 2,075 |
| Pretax return on assets | 1.2137% | 2,865 |
| Return on Equity (ROE) | 9.2349% | 2,716 |
| Retained earnings to average equity (ytd only) | 2.6558% | 4,927 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4958% | 3,343 |
| Assets per employee ($millions) | 3.9841% | 4,050 |
| Cash dividends to net income (ytd only)* | 71.2418% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 4,995 |
| Loan loss allowance to noncurrent loans | 2,793.7500% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 6,836 |
| Noncurrent loans to loans | 0.0467% | 6,634 |
| Net loans and leases to total assets | 60.5794% | 3,536 |
| Net loans and leases to deposits | 69.6113% | 3,785 |
| Net loans and leases to core deposits | 69.6113% | 4,479 |
| Total domestic deposits to total assets | 87.0254% | 2,945 |
| Equity capital to assets | 11.8900% | 2,120 |
| Core capital (leverage) ratio | 10.9899% | 2,263 |
| Tier 1 risk-based capital ratio | 14.0604% | 4,431 |
| Total risk-based capital ratio | 15.1174% | 4,535 |
| Memoranda: | ||
| Average total assets | $53,390,000 | 6,250 |
| Average earning assets | $48,460,500 | 6,262 |
| Average equity | $6,627,000 | 5,991 |
| Average total loans | $35,002,000 | 5,870 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4107% | 1,392 |
| Cost of funding earning assets | 0.4822% | 6,606 |
| Net interest margin | 4.9285% | 477 |
| Noninterest income to average assets | 0.2280% | 5,900 |
| Noninterest expense to average assets | 3.3400% | 2,390 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3211% | 1,192 |
| Return on assets (ROA) | 1.3211% | 1,290 |
| Pretax return on assets | 1.3486% | 1,954 |
| Return on Equity (ROE) | 10.5076% | 1,873 |
| Retained earnings to average equity (ytd only) | 3.6589% | 3,607 |
| Net charge-offs to loans | -0.0654% | 7,086 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2369% | 3,743 |
| Assets per employee ($millions) | 3.6430% | 4,680 |
| Cash dividends to net income (ytd only)* | 65.1786% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 5,155 |
| Loan loss allowance to noncurrent loans | 2,240.0000% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 6,871 |
| Noncurrent loans to loans | 0.0559% | 6,681 |
| Net loans and leases to total assets | 69.2502% | 2,165 |
| Net loans and leases to deposits | 80.7273% | 2,406 |
| Net loans and leases to core deposits | 80.7273% | 3,355 |
| Total domestic deposits to total assets | 85.7829% | 3,440 |
| Equity capital to assets | 12.9838% | 1,489 |
| Core capital (leverage) ratio | 11.4480% | 1,933 |
| Tier 1 risk-based capital ratio | 13.8049% | 4,475 |
| Total risk-based capital ratio | 14.8542% | 4,589 |
| Memoranda: | ||
| Average total assets | $50,868,400 | 6,341 |
| Average earning assets | $46,038,400 | 6,330 |
| Average equity | $6,395,400 | 6,041 |
| Average total loans | $35,192,800 | 5,904 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3642% | 1,633 |
| Cost of funding earning assets | 0.4966% | 6,706 |
| Net interest margin | 4.8676% | 547 |
| Noninterest income to average assets | 0.2151% | 6,069 |
| Noninterest expense to average assets | 3.2759% | 2,572 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2983% | 1,377 |
| Return on assets (ROA) | 1.2983% | 1,473 |
| Pretax return on assets | 1.3350% | 2,170 |
| Return on Equity (ROE) | 10.4118% | 2,066 |
| Retained earnings to average equity (ytd only) | 3.5127% | 4,239 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0466% | 3,734 |
| Assets per employee ($millions) | 3.7001% | 4,538 |
| Cash dividends to net income (ytd only)* | 66.2626% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 5,780 |
| Loan loss allowance to noncurrent loans | 1,847.8261% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 6,937 |
| Noncurrent loans to loans | 0.0610% | 6,780 |
| Net loans and leases to total assets | 71.9812% | 1,704 |
| Net loans and leases to deposits | 89.7941% | 1,240 |
| Net loans and leases to core deposits | 89.7941% | 2,279 |
| Total domestic deposits to total assets | 80.1625% | 5,688 |
| Equity capital to assets | 12.6658% | 1,810 |
| Core capital (leverage) ratio | 11.4723% | 2,037 |
| Tier 1 risk-based capital ratio | 13.0752% | 5,039 |
| Total risk-based capital ratio | 14.0307% | 5,252 |
| Memoranda: | ||
| Average total assets | $50,835,000 | 6,398 |
| Average earning assets | $45,908,000 | 6,388 |
| Average equity | $6,338,750 | 6,100 |
| Average total loans | $35,049,250 | 5,970 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2413% | 2,092 |
| Cost of funding earning assets | 0.5145% | 6,798 |
| Net interest margin | 4.7268% | 689 |
| Noninterest income to average assets | 0.2138% | 6,141 |
| Noninterest expense to average assets | 3.2982% | 2,572 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1720% | 1,655 |
| Return on assets (ROA) | 1.1720% | 1,738 |
| Pretax return on assets | 1.1720% | 2,590 |
| Return on Equity (ROE) | 9.4498% | 2,324 |
| Retained earnings to average equity (ytd only) | 2.4582% | 4,722 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7821% | 3,397 |
| Assets per employee ($millions) | 3.4883% | 4,971 |
| Cash dividends to net income (ytd only)* | 73.9865% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 5,479 |
| Loan loss allowance to noncurrent loans | 8,500.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 7,102 |
| Noncurrent loans to loans | 0.0143% | 6,968 |
| Net loans and leases to total assets | 70.6344% | 2,085 |
| Net loans and leases to deposits | 82.3879% | 2,393 |
| Net loans and leases to core deposits | 82.3879% | 3,450 |
| Total domestic deposits to total assets | 85.7339% | 3,478 |
| Equity capital to assets | 13.0662% | 1,489 |
| Core capital (leverage) ratio | 11.2712% | 2,065 |
| Tier 1 risk-based capital ratio | 13.7588% | 4,328 |
| Total risk-based capital ratio | 14.7814% | 4,489 |
| Memoranda: | ||
| Average total assets | $50,513,000 | 6,469 |
| Average earning assets | $45,485,000 | 6,458 |
| Average equity | $6,264,670 | 6,154 |
| Average total loans | $34,161,670 | 6,061 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1552% | 2,408 |
| Cost of funding earning assets | 0.5303% | 6,864 |
| Net interest margin | 4.6249% | 826 |
| Noninterest income to average assets | 0.2181% | 6,170 |
| Noninterest expense to average assets | 3.3962% | 2,291 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0516% | 1,995 |
| Return on assets (ROA) | 1.0516% | 2,047 |
| Pretax return on assets | 0.9659% | 3,262 |
| Return on Equity (ROE) | 8.7006% | 2,605 |
| Retained earnings to average equity (ytd only) | 1.6757% | 5,113 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8571% | 2,866 |
| Assets per employee ($millions) | 3.8228% | 4,249 |
| Cash dividends to net income (ytd only)* | 80.7407% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 5,098 |
| Loan loss allowance to noncurrent loans | 5,312.5000% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 7,154 |
| Noncurrent loans to loans | 0.0246% | 7,001 |
| Net loans and leases to total assets | 59.9936% | 4,259 |
| Net loans and leases to deposits | 68.7331% | 4,567 |
| Net loans and leases to core deposits | 68.7331% | 5,200 |
| Total domestic deposits to total assets | 87.2849% | 2,773 |
| Equity capital to assets | 11.6482% | 2,164 |
| Core capital (leverage) ratio | 10.9532% | 2,232 |
| Tier 1 risk-based capital ratio | 14.3349% | 3,843 |
| Total risk-based capital ratio | 15.4119% | 3,933 |
| Memoranda: | ||
| Average total assets | $51,351,500 | 6,482 |
| Average earning assets | $46,012,000 | 6,492 |
| Average equity | $6,206,500 | 6,180 |
| Average total loans | $33,782,500 | 6,138 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8422% | 1,168 |
| Cost of funding earning assets | 0.8261% | 6,457 |
| Net interest margin | 5.0162% | 418 |
| Noninterest income to average assets | 0.2626% | 5,912 |
| Noninterest expense to average assets | 3.3642% | 2,542 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.3267% | 1,111 |
| Return on assets (ROA) | 1.3461% | 1,136 |
| Pretax return on assets | 1.4267% | 1,573 |
| Return on Equity (ROE) | 10.6721% | 1,701 |
| Retained earnings to average equity (ytd only) | 3.5082% | 3,408 |
| Net charge-offs to loans | 0.1653% | 5,345 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 11.9298% | 1,554 |
| Efficiency ratio | 70.5245% | 4,068 |
| Assets per employee ($millions) | 3.5131% | 4,909 |
| Cash dividends to net income (ytd only)* | 67.1275% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 5,448 |
| Loan loss allowance to noncurrent loans | 14,166.6667% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 7,249 |
| Noncurrent loans to loans | 0.0086% | 7,141 |
| Net loans and leases to total assets | 70.3623% | 2,445 |
| Net loans and leases to deposits | 81.6511% | 2,875 |
| Net loans and leases to core deposits | 81.6511% | 3,957 |
| Total domestic deposits to total assets | 86.1744% | 3,263 |
| Equity capital to assets | 12.5630% | 1,596 |
| Core capital (leverage) ratio | 11.1415% | 2,054 |
| Tier 1 risk-based capital ratio | 13.7380% | 4,030 |
| Total risk-based capital ratio | 14.7765% | 4,145 |
| Memoranda: | ||
| Average total assets | $48,362,400 | 6,594 |
| Average earning assets | $43,459,400 | 6,602 |
| Average equity | $6,100,000 | 6,329 |
| Average total loans | $34,485,000 | 6,184 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9159% | 1,099 |
| Cost of funding earning assets | 0.8694% | 6,509 |
| Net interest margin | 5.0464% | 391 |
| Noninterest income to average assets | 0.2686% | 5,971 |
| Noninterest expense to average assets | 3.3418% | 2,451 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3935% | 1,117 |
| Return on assets (ROA) | 1.4203% | 1,142 |
| Pretax return on assets | 1.4701% | 1,689 |
| Return on Equity (ROE) | 11.2492% | 1,712 |
| Retained earnings to average equity (ytd only) | 4.0786% | 3,601 |
| Net charge-offs to loans | 0.0078% | 6,558 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 260.1685% | 126 |
| Efficiency ratio | 69.8495% | 4,097 |
| Assets per employee ($millions) | 3.4611% | 5,076 |
| Cash dividends to net income (ytd only)* | 63.7431% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 4,748 |
| Loan loss allowance to noncurrent loans | 960.0000% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.1032% | 7,100 |
| Noncurrent loans to loans | 0.1397% | 6,897 |
| Net loans and leases to total assets | 72.8738% | 2,043 |
| Net loans and leases to deposits | 84.9680% | 2,524 |
| Net loans and leases to core deposits | 84.9680% | 3,806 |
| Total domestic deposits to total assets | 85.7662% | 3,209 |
| Equity capital to assets | 12.9316% | 1,614 |
| Core capital (leverage) ratio | 11.6355% | 1,855 |
| Tier 1 risk-based capital ratio | 13.6498% | 4,080 |
| Total risk-based capital ratio | 14.8231% | 4,091 |
| Memoranda: | ||
| Average total assets | $48,157,000 | 6,681 |
| Average earning assets | $43,092,000 | 6,696 |
| Average equity | $6,080,250 | 6,425 |
| Average total loans | $34,348,250 | 6,276 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7852% | 1,461 |
| Cost of funding earning assets | 0.8680% | 6,700 |
| Net interest margin | 4.9172% | 516 |
| Noninterest income to average assets | 0.2539% | 6,095 |
| Noninterest expense to average assets | 3.3293% | 2,465 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3276% | 1,241 |
| Return on assets (ROA) | 1.3276% | 1,318 |
| Pretax return on assets | 1.3567% | 1,927 |
| Return on Equity (ROE) | 10.6009% | 1,893 |
| Retained earnings to average equity (ytd only) | 3.2899% | 4,007 |
| Net charge-offs to loans | 0.0118% | 6,179 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 163.0000% | 217 |
| Efficiency ratio | 71.0480% | 3,978 |
| Assets per employee ($millions) | 3.4371% | 5,082 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 4,628 |
| Loan loss allowance to noncurrent loans | 1,066.6667% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 7,166 |
| Noncurrent loans to loans | 0.1275% | 7,011 |
| Net loans and leases to total assets | 72.3732% | 2,309 |
| Net loans and leases to deposits | 87.9156% | 2,185 |
| Net loans and leases to core deposits | 87.9156% | 3,556 |
| Total domestic deposits to total assets | 82.3213% | 4,859 |
| Equity capital to assets | 12.6995% | 1,685 |
| Core capital (leverage) ratio | 11.4350% | 1,946 |
| Tier 1 risk-based capital ratio | 13.5862% | 4,011 |
| Total risk-based capital ratio | 14.7745% | 4,014 |
| Memoranda: | ||
| Average total assets | $48,057,670 | 6,727 |
| Average earning assets | $43,317,670 | 6,729 |
| Average equity | $6,018,330 | 6,462 |
| Average total loans | $33,867,330 | 6,341 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8567% | 1,309 |
| Cost of funding earning assets | 0.9125% | 6,721 |
| Net interest margin | 4.9442% | 468 |
| Noninterest income to average assets | 0.2332% | 6,290 |
| Noninterest expense to average assets | 3.2649% | 2,657 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3493% | 1,185 |
| Return on assets (ROA) | 1.3493% | 1,256 |
| Pretax return on assets | 1.3909% | 1,802 |
| Return on Equity (ROE) | 10.8506% | 1,823 |
| Retained earnings to average equity (ytd only) | 3.4829% | 4,058 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1252% | 4,276 |
| Assets per employee ($millions) | 3.6825% | 4,618 |
| Cash dividends to net income (ytd only)* | 67.9012% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 4,080 |
| Loan loss allowance to noncurrent loans | 491.8367% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.2047% | 6,952 |
| Noncurrent loans to loans | 0.2986% | 6,725 |
| Net loans and leases to total assets | 67.5614% | 3,496 |
| Net loans and leases to deposits | 78.3029% | 3,980 |
| Net loans and leases to core deposits | 78.3029% | 4,989 |
| Total domestic deposits to total assets | 86.2822% | 2,993 |
| Equity capital to assets | 12.5460% | 1,730 |
| Core capital (leverage) ratio | 11.3094% | 2,027 |
| Tier 1 risk-based capital ratio | 14.1679% | 3,551 |
| Total risk-based capital ratio | 15.4175% | 3,523 |
| Memoranda: | ||
| Average total assets | $48,026,500 | 6,804 |
| Average earning assets | $42,959,500 | 6,824 |
| Average equity | $5,972,000 | 6,527 |
| Average total loans | $33,148,000 | 6,456 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4300% | 774 |
| Cost of funding earning assets | 1.1519% | 6,817 |
| Net interest margin | 5.2781% | 251 |
| Noninterest income to average assets | 0.5704% | 3,858 |
| Noninterest expense to average assets | 3.5712% | 2,217 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.5880% | 565 |
| Return on assets (ROA) | 1.5901% | 598 |
| Pretax return on assets | 1.6441% | 875 |
| Return on Equity (ROE) | 12.9701% | 965 |
| Retained earnings to average equity (ytd only) | 7.1723% | 908 |
| Net charge-offs to loans | 0.0748% | 6,364 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 30.4000% | 751 |
| Efficiency ratio | 68.5039% | 4,921 |
| Assets per employee ($millions) | 3.4415% | 5,153 |
| Cash dividends to net income (ytd only)* | 44.7011% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 4,030 |
| Loan loss allowance to noncurrent loans | 2,095.6522% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 7,386 |
| Noncurrent loans to loans | 0.0687% | 7,253 |
| Net loans and leases to total assets | 68.4689% | 3,596 |
| Net loans and leases to deposits | 79.2110% | 4,134 |
| Net loans and leases to core deposits | 93.0893% | 4,772 |
| Total domestic deposits to total assets | 86.4386% | 2,796 |
| Equity capital to assets | 12.3244% | 1,836 |
| Core capital (leverage) ratio | 11.3003% | 2,040 |
| Tier 1 risk-based capital ratio | 13.7784% | 3,644 |
| Total risk-based capital ratio | 15.0151% | 3,594 |
| Memoranda: | ||
| Average total assets | $46,287,000 | 6,856 |
| Average earning assets | $40,715,200 | 6,919 |
| Average equity | $5,674,600 | 6,717 |
| Average total loans | $33,404,800 | 6,435 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5752% | 643 |
| Cost of funding earning assets | 1.1973% | 6,898 |
| Net interest margin | 5.3779% | 220 |
| Noninterest income to average assets | 0.3754% | 5,506 |
| Noninterest expense to average assets | 3.6699% | 1,887 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.3795% | 1,069 |
| Return on assets (ROA) | 1.3824% | 1,123 |
| Pretax return on assets | 1.4144% | 1,658 |
| Return on Equity (ROE) | 11.2916% | 1,548 |
| Retained earnings to average equity (ytd only) | 5.2299% | 2,355 |
| Net charge-offs to loans | 0.0998% | 5,671 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 19.4014% | 1,291 |
| Efficiency ratio | 72.2222% | 4,204 |
| Assets per employee ($millions) | 3.2858% | 5,438 |
| Cash dividends to net income (ytd only)* | 53.6838% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3892% | 4,005 |
| Loan loss allowance to noncurrent loans | 1,506.2500% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 7,386 |
| Noncurrent loans to loans | 0.0922% | 7,255 |
| Net loans and leases to total assets | 74.3788% | 2,418 |
| Net loans and leases to deposits | 86.3601% | 3,249 |
| Net loans and leases to core deposits | 99.1136% | 4,473 |
| Total domestic deposits to total assets | 86.1264% | 2,630 |
| Equity capital to assets | 12.5802% | 1,893 |
| Core capital (leverage) ratio | 11.4200% | 2,113 |
| Tier 1 risk-based capital ratio | 13.2561% | 4,015 |
| Total risk-based capital ratio | 14.4915% | 3,970 |
| Memoranda: | ||
| Average total assets | $45,813,500 | 6,928 |
| Average earning assets | $40,089,000 | 6,998 |
| Average equity | $5,608,750 | 6,815 |
| Average total loans | $33,388,250 | 6,490 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6202% | 638 |
| Cost of funding earning assets | 1.2397% | 6,993 |
| Net interest margin | 5.3805% | 217 |
| Noninterest income to average assets | 0.4197% | 5,121 |
| Noninterest expense to average assets | 3.4054% | 2,612 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.6743% | 590 |
| Return on assets (ROA) | 1.6743% | 650 |
| Pretax return on assets | 1.7005% | 1,017 |
| Return on Equity (ROE) | 13.8035% | 1,026 |
| Retained earnings to average equity (ytd only) | 7.2081% | 1,502 |
| Net charge-offs to loans | -0.0061% | 7,547 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6952% | 5,420 |
| Assets per employee ($millions) | 3.2406% | 5,476 |
| Cash dividends to net income (ytd only)* | 47.7807% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5161% | 3,102 |
| Loan loss allowance to noncurrent loans | 1,302.5641% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0860% | 7,367 |
| Noncurrent loans to loans | 0.1164% | 7,229 |
| Net loans and leases to total assets | 72.7341% | 3,020 |
| Net loans and leases to deposits | 84.2043% | 3,842 |
| Net loans and leases to core deposits | 96.4121% | 4,855 |
| Total domestic deposits to total assets | 86.3781% | 2,584 |
| Equity capital to assets | 12.4140% | 1,966 |
| Core capital (leverage) ratio | 11.2872% | 2,207 |
| Tier 1 risk-based capital ratio | 13.6044% | 3,756 |
| Total risk-based capital ratio | 14.8556% | 3,677 |
| Memoranda: | ||
| Average total assets | $45,751,000 | 6,992 |
| Average earning assets | $39,847,670 | 7,060 |
| Average equity | $5,549,330 | 6,881 |
| Average total loans | $32,952,000 | 6,556 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7819% | 497 |
| Cost of funding earning assets | 1.2822% | 7,072 |
| Net interest margin | 5.4996% | 177 |
| Noninterest income to average assets | 0.2351% | 6,583 |
| Noninterest expense to average assets | 3.3955% | 2,372 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6020% | 784 |
| Return on assets (ROA) | 1.6020% | 861 |
| Pretax return on assets | 1.6194% | 1,362 |
| Return on Equity (ROE) | 13.3624% | 1,301 |
| Retained earnings to average equity (ytd only) | 8.0610% | 1,791 |
| Net charge-offs to loans | -0.0122% | 7,318 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7083% | 5,022 |
| Assets per employee ($millions) | 3.2994% | 5,325 |
| Cash dividends to net income (ytd only)* | 39.6739% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5931% | 2,548 |
| Loan loss allowance to noncurrent loans | 1,751.7241% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 7,411 |
| Noncurrent loans to loans | 0.0909% | 7,262 |
| Net loans and leases to total assets | 67.9353% | 4,157 |
| Net loans and leases to deposits | 78.4324% | 4,855 |
| Net loans and leases to core deposits | 89.9811% | 5,555 |
| Total domestic deposits to total assets | 86.6164% | 2,400 |
| Equity capital to assets | 12.1366% | 2,175 |
| Core capital (leverage) ratio | 11.0464% | 2,468 |
| Tier 1 risk-based capital ratio | 13.8793% | 3,650 |
| Total risk-based capital ratio | 15.1311% | 3,578 |
| Memoranda: | ||
| Average total assets | $45,942,500 | 7,030 |
| Average earning assets | $39,930,000 | 7,098 |
| Average equity | $5,508,000 | 6,943 |
| Average total loans | $32,675,000 | 6,605 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4843% | 423 |
| Cost of funding earning assets | 1.7084% | 7,242 |
| Net interest margin | 5.7759% | 137 |
| Noninterest income to average assets | 0.3192% | 6,174 |
| Noninterest expense to average assets | 3.8777% | 1,601 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2303% | 1,684 |
| Return on assets (ROA) | 1.2303% | 1,628 |
| Pretax return on assets | 1.6014% | 1,378 |
| Return on Equity (ROE) | 9.0396% | 2,634 |
| Retained earnings to average equity (ytd only) | 3.4709% | 2,980 |
| Net charge-offs to loans | 0.0889% | 5,470 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 23.7308% | 1,406 |
| Efficiency ratio | 70.7721% | 4,185 |
| Assets per employee ($millions) | 3.0463% | 5,940 |
| Cash dividends to net income (ytd only)* | 61.6034% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 2,604 |
| Loan loss allowance to noncurrent loans | 25,350.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 7,636 |
| Noncurrent loans to loans | 0.0060% | 7,534 |
| Net loans and leases to total assets | 72.1211% | 3,560 |
| Net loans and leases to deposits | 83.9041% | 4,433 |
| Net loans and leases to core deposits | 99.6794% | 4,852 |
| Total domestic deposits to total assets | 85.9566% | 2,421 |
| Equity capital to assets | 11.8396% | 2,394 |
| Core capital (leverage) ratio | 10.6423% | 2,871 |
| Tier 1 risk-based capital ratio | 13.0154% | 4,103 |
| Total risk-based capital ratio | 14.2657% | 4,016 |
| Memoranda: | ||
| Average total assets | $38,528,000 | 7,279 |
| Average earning assets | $34,418,800 | 7,309 |
| Average equity | $5,243,600 | 7,067 |
| Average total loans | $29,244,400 | 6,757 |