Home > First Trust & Savings Bank of Albany, Illinois > Performance and Condition Ratios
First Trust & Savings Bank of Albany, Illinois, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2133% | 3,893 |
| Cost of funding earning assets | 0.7242% | 3,100 |
| Net interest margin | 3.4892% | 3,594 |
| Noninterest income to average assets | 0.1341% | 4,862 |
| Noninterest expense to average assets | 1.9588% | 4,629 |
| Loan and lease loss provision to assets | -0.1944% | 5,206 |
| Net operating income to assets | 1.5864% | 966 |
| Return on assets (ROA) | 1.5864% | 1,011 |
| Pretax return on assets | 1.6065% | 1,610 |
| Return on Equity (ROE) | 10.9218% | 2,051 |
| Retained earnings to average equity (ytd only) | -2.8202% | 4,981 |
| Net charge-offs to loans | 0.0455% | 2,189 |
| Credit loss provision to net charge-offs | -621.4286% | 4,361 |
| Earnings coverage of net charge-offs (x) | 45.1418% | 1,266 |
| Efficiency ratio | 58.1087% | 3,920 |
| Assets per employee ($millions) | 5.9501% | 1,638 |
| Cash dividends to net income (ytd only)* | 125.8214% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9843% | 3,661 |
| Loan loss allowance to noncurrent loans | 109.6774% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.6920% | 1,964 |
| Noncurrent loans to loans | 0.8974% | 1,781 |
| Net loans and leases to total assets | 67.3949% | 2,877 |
| Net loans and leases to deposits | 79.6330% | 2,936 |
| Net loans and leases to core deposits | 86.8032% | 2,839 |
| Total domestic deposits to total assets | 84.6320% | 2,567 |
| Equity capital to assets | 15.0980% | 827 |
| Core capital (leverage) ratio | 13.6747% | 1,087 |
| Tier 1 risk-based capital ratio | 20.5297% | 1,277 |
| Total risk-based capital ratio | 21.5507% | 1,285 |
| Memoranda: | ||
| Average total assets | $179,017,500 | 3,055 |
| Average earning assets | $166,072,500 | 3,057 |
| Average equity | $26,002,500 | 2,645 |
| Average total loans | $123,167,500 | 2,936 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1353% | 4,080 |
| Cost of funding earning assets | 0.6938% | 3,204 |
| Net interest margin | 3.4415% | 3,767 |
| Noninterest income to average assets | 0.1281% | 4,935 |
| Noninterest expense to average assets | 1.8976% | 4,752 |
| Loan and lease loss provision to assets | -0.0949% | 5,207 |
| Net operating income to assets | 1.5035% | 1,141 |
| Return on assets (ROA) | 1.5035% | 1,193 |
| Pretax return on assets | 1.5234% | 1,778 |
| Return on Equity (ROE) | 10.4826% | 2,183 |
| Retained earnings to average equity (ytd only) | -4.1407% | 5,024 |
| Net charge-offs to loans | 0.0208% | 2,440 |
| Credit loss provision to net charge-offs | -661.5385% | 4,181 |
| Earnings coverage of net charge-offs (x) | 99.5385% | 701 |
| Efficiency ratio | 57.0528% | 4,125 |
| Assets per employee ($millions) | 6.5240% | 1,227 |
| Cash dividends to net income (ytd only)* | 139.5007% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1095% | 3,022 |
| Loan loss allowance to noncurrent loans | 128.6660% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.6722% | 2,035 |
| Noncurrent loans to loans | 0.8623% | 1,881 |
| Net loans and leases to total assets | 66.3588% | 3,059 |
| Net loans and leases to deposits | 77.5424% | 3,186 |
| Net loans and leases to core deposits | 83.8387% | 3,117 |
| Total domestic deposits to total assets | 85.5774% | 2,232 |
| Equity capital to assets | 14.2118% | 1,049 |
| Core capital (leverage) ratio | 13.6788% | 1,059 |
| Tier 1 risk-based capital ratio | 19.7917% | 1,389 |
| Total risk-based capital ratio | 20.9490% | 1,372 |
| Memoranda: | ||
| Average total assets | $181,172,330 | 3,040 |
| Average earning assets | $168,355,670 | 3,044 |
| Average equity | $25,986,000 | 2,637 |
| Average total loans | $125,074,000 | 2,925 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1437% | 4,021 |
| Cost of funding earning assets | 0.6759% | 3,173 |
| Net interest margin | 3.4678% | 3,686 |
| Noninterest income to average assets | 0.0754% | 5,155 |
| Noninterest expense to average assets | 1.8845% | 4,818 |
| Loan and lease loss provision to assets | 0.0310% | 3,003 |
| Net operating income to assets | 1.3590% | 1,490 |
| Return on assets (ROA) | 1.3590% | 1,533 |
| Pretax return on assets | 1.3790% | 2,159 |
| Return on Equity (ROE) | 9.4313% | 2,617 |
| Retained earnings to average equity (ytd only) | -0.2616% | 4,570 |
| Net charge-offs to loans | 0.0032% | 2,627 |
| Credit loss provision to net charge-offs | 1,400.0000% | 279 |
| Earnings coverage of net charge-offs (x) | 636.0000% | 109 |
| Efficiency ratio | 57.2005% | 4,186 |
| Assets per employee ($millions) | 6.3159% | 1,339 |
| Cash dividends to net income (ytd only)* | 102.7732% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 2,717 |
| Loan loss allowance to noncurrent loans | 113.6680% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 1.3243% | 973 |
| Noncurrent loans to loans | 1.0328% | 1,619 |
| Net loans and leases to total assets | 70.0680% | 2,465 |
| Net loans and leases to deposits | 82.3959% | 2,574 |
| Net loans and leases to core deposits | 89.8479% | 2,520 |
| Total domestic deposits to total assets | 85.0382% | 2,668 |
| Equity capital to assets | 14.7684% | 800 |
| Core capital (leverage) ratio | 13.5065% | 1,089 |
| Tier 1 risk-based capital ratio | 19.6072% | 1,421 |
| Total risk-based capital ratio | 20.8152% | 1,403 |
| Memoranda: | ||
| Average total assets | $180,422,500 | 3,083 |
| Average earning assets | $167,484,500 | 3,085 |
| Average equity | $25,998,500 | 2,643 |
| Average total loans | $126,321,500 | 2,947 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0172% | 3,973 |
| Cost of funding earning assets | 0.5968% | 2,746 |
| Net interest margin | 3.4204% | 3,940 |
| Noninterest income to average assets | 0.2319% | 4,523 |
| Noninterest expense to average assets | 1.9192% | 4,871 |
| Loan and lease loss provision to assets | -0.0822% | 5,246 |
| Net operating income to assets | 1.5453% | 1,006 |
| Return on assets (ROA) | 1.5453% | 998 |
| Pretax return on assets | 1.5650% | 1,568 |
| Return on Equity (ROE) | 11.0684% | 2,059 |
| Retained earnings to average equity (ytd only) | 2.3009% | 4,233 |
| Net charge-offs to loans | 0.1650% | 1,171 |
| Credit loss provision to net charge-offs | -69.4444% | 4,359 |
| Earnings coverage of net charge-offs (x) | 12.5231% | 2,523 |
| Efficiency ratio | 56.4131% | 4,356 |
| Assets per employee ($millions) | 6.8149% | 1,064 |
| Cash dividends to net income (ytd only)* | 79.2125% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 2,846 |
| Loan loss allowance to noncurrent loans | 106.5741% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.7728% | 1,808 |
| Noncurrent loans to loans | 1.0758% | 1,516 |
| Net loans and leases to total assets | 68.3697% | 2,829 |
| Net loans and leases to deposits | 79.7203% | 2,986 |
| Net loans and leases to core deposits | 86.8779% | 2,850 |
| Total domestic deposits to total assets | 85.7620% | 2,341 |
| Equity capital to assets | 14.0651% | 948 |
| Core capital (leverage) ratio | 13.5942% | 1,043 |
| Tier 1 risk-based capital ratio | 20.3050% | 1,254 |
| Total risk-based capital ratio | 21.5499% | 1,234 |
| Memoranda: | ||
| Average total assets | $182,422,400 | 3,032 |
| Average earning assets | $169,071,600 | 3,037 |
| Average equity | $25,468,800 | 2,610 |
| Average total loans | $130,932,800 | 2,867 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0543% | 3,774 |
| Cost of funding earning assets | 0.5800% | 2,633 |
| Net interest margin | 3.4744% | 3,785 |
| Noninterest income to average assets | 0.2285% | 4,601 |
| Noninterest expense to average assets | 1.9872% | 4,765 |
| Loan and lease loss provision to assets | -0.1099% | 5,357 |
| Net operating income to assets | 1.5477% | 1,070 |
| Return on assets (ROA) | 1.5477% | 1,073 |
| Pretax return on assets | 1.5675% | 1,681 |
| Return on Equity (ROE) | 11.1064% | 2,137 |
| Retained earnings to average equity (ytd only) | -0.6308% | 5,106 |
| Net charge-offs to loans | 0.0536% | 2,053 |
| Credit loss provision to net charge-offs | -283.0189% | 4,390 |
| Earnings coverage of net charge-offs (x) | 37.5498% | 1,408 |
| Efficiency ratio | 57.6866% | 4,168 |
| Assets per employee ($millions) | 6.7068% | 1,084 |
| Cash dividends to net income (ytd only)* | 105.6793% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 2,055 |
| Loan loss allowance to noncurrent loans | 68.3102% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.3894% | 963 |
| Noncurrent loans to loans | 1.9185% | 784 |
| Net loans and leases to total assets | 67.4100% | 3,019 |
| Net loans and leases to deposits | 78.4206% | 3,197 |
| Net loans and leases to core deposits | 85.8944% | 2,998 |
| Total domestic deposits to total assets | 85.9595% | 2,219 |
| Equity capital to assets | 13.8196% | 1,018 |
| Core capital (leverage) ratio | 13.3980% | 1,145 |
| Tier 1 risk-based capital ratio | 20.1194% | 1,314 |
| Total risk-based capital ratio | 21.3716% | 1,281 |
| Memoranda: | ||
| Average total assets | $182,027,750 | 3,059 |
| Average earning assets | $168,506,500 | 3,064 |
| Average equity | $25,366,000 | 2,628 |
| Average total loans | $131,851,000 | 2,876 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0336% | 3,673 |
| Cost of funding earning assets | 0.5784% | 2,373 |
| Net interest margin | 3.4552% | 3,782 |
| Noninterest income to average assets | 0.2161% | 4,730 |
| Noninterest expense to average assets | 1.9743% | 4,841 |
| Loan and lease loss provision to assets | -0.1645% | 5,461 |
| Net operating income to assets | 1.5838% | 954 |
| Return on assets (ROA) | 1.5838% | 959 |
| Pretax return on assets | 1.6036% | 1,492 |
| Return on Equity (ROE) | 11.3345% | 1,980 |
| Retained earnings to average equity (ytd only) | -0.6907% | 5,046 |
| Net charge-offs to loans | 0.0966% | 1,388 |
| Credit loss provision to net charge-offs | -230.7692% | 4,216 |
| Earnings coverage of net charge-offs (x) | 20.1846% | 1,820 |
| Efficiency ratio | 57.8406% | 4,258 |
| Assets per employee ($millions) | 6.3649% | 1,230 |
| Cash dividends to net income (ytd only)* | 106.0942% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 2,313 |
| Loan loss allowance to noncurrent loans | 62.2102% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.5599% | 839 |
| Noncurrent loans to loans | 2.0442% | 725 |
| Net loans and leases to total assets | 70.1342% | 2,560 |
| Net loans and leases to deposits | 81.8851% | 2,782 |
| Net loans and leases to core deposits | 90.6757% | 2,515 |
| Total domestic deposits to total assets | 85.6495% | 2,434 |
| Equity capital to assets | 14.1266% | 900 |
| Core capital (leverage) ratio | 13.3696% | 1,110 |
| Tier 1 risk-based capital ratio | 19.2247% | 1,496 |
| Total risk-based capital ratio | 20.4761% | 1,452 |
| Memoranda: | ||
| Average total assets | $182,342,670 | 3,071 |
| Average earning assets | $168,731,330 | 3,079 |
| Average equity | $25,479,670 | 2,632 |
| Average total loans | $134,571,670 | 2,860 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9064% | 3,911 |
| Cost of funding earning assets | 0.5949% | 2,089 |
| Net interest margin | 3.3116% | 4,159 |
| Noninterest income to average assets | 0.2451% | 4,534 |
| Noninterest expense to average assets | 2.0520% | 4,751 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2407% | 1,844 |
| Return on assets (ROA) | 1.2407% | 1,852 |
| Pretax return on assets | 1.2603% | 2,515 |
| Return on Equity (ROE) | 8.9265% | 2,941 |
| Retained earnings to average equity (ytd only) | 4.5569% | 3,379 |
| Net charge-offs to loans | 0.1588% | 888 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 10.5636% | 1,893 |
| Efficiency ratio | 61.9515% | 3,791 |
| Assets per employee ($millions) | 6.3758% | 1,270 |
| Cash dividends to net income (ytd only)* | 48.9510% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3329% | 2,087 |
| Loan loss allowance to noncurrent loans | 58.0709% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 1.8059% | 671 |
| Noncurrent loans to loans | 2.2952% | 626 |
| Net loans and leases to total assets | 73.3945% | 1,966 |
| Net loans and leases to deposits | 87.2361% | 2,026 |
| Net loans and leases to core deposits | 98.4203% | 1,810 |
| Total domestic deposits to total assets | 84.1331% | 3,271 |
| Equity capital to assets | 14.3354% | 809 |
| Core capital (leverage) ratio | 13.1056% | 1,138 |
| Tier 1 risk-based capital ratio | 18.3624% | 1,727 |
| Total risk-based capital ratio | 19.6143% | 1,694 |
| Memoranda: | ||
| Average total assets | $184,405,500 | 3,087 |
| Average earning assets | $170,796,000 | 3,087 |
| Average equity | $25,631,500 | 2,642 |
| Average total loans | $138,557,000 | 2,832 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9235% | 3,647 |
| Cost of funding earning assets | 0.6297% | 1,418 |
| Net interest margin | 3.2939% | 4,180 |
| Noninterest income to average assets | 0.2681% | 4,514 |
| Noninterest expense to average assets | 2.1959% | 4,538 |
| Loan and lease loss provision to assets | 0.0763% | 2,672 |
| Net operating income to assets | 1.0458% | 2,070 |
| Return on assets (ROA) | 1.0458% | 2,102 |
| Pretax return on assets | 1.0585% | 3,350 |
| Return on Equity (ROE) | 8.1741% | 2,716 |
| Retained earnings to average equity (ytd only) | 5.0730% | 2,080 |
| Net charge-offs to loans | 0.1331% | 1,721 |
| Credit loss provision to net charge-offs | 73.8916% | 3,031 |
| Earnings coverage of net charge-offs (x) | 10.9901% | 2,615 |
| Efficiency ratio | 65.9285% | 3,282 |
| Assets per employee ($millions) | 5.9465% | 1,553 |
| Cash dividends to net income (ytd only)* | 37.9377% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 2,401 |
| Loan loss allowance to noncurrent loans | 55.0196% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 1.8078% | 685 |
| Noncurrent loans to loans | 2.2984% | 616 |
| Net loans and leases to total assets | 74.8828% | 1,775 |
| Net loans and leases to deposits | 87.9804% | 2,022 |
| Net loans and leases to core deposits | 100.0871% | 1,705 |
| Total domestic deposits to total assets | 85.1131% | 2,794 |
| Equity capital to assets | 13.4906% | 1,070 |
| Core capital (leverage) ratio | 12.0712% | 1,567 |
| Tier 1 risk-based capital ratio | 17.2918% | 1,998 |
| Total risk-based capital ratio | 18.5429% | 1,948 |
| Memoranda: | ||
| Average total assets | $196,595,800 | 2,955 |
| Average earning assets | $182,794,400 | 2,935 |
| Average equity | $25,152,600 | 2,667 |
| Average total loans | $152,547,400 | 2,628 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9064% | 3,662 |
| Cost of funding earning assets | 0.6540% | 1,210 |
| Net interest margin | 3.2524% | 4,316 |
| Noninterest income to average assets | 0.2550% | 4,681 |
| Noninterest expense to average assets | 2.1839% | 4,560 |
| Loan and lease loss provision to assets | 0.1009% | 2,098 |
| Net operating income to assets | 0.9648% | 2,709 |
| Return on assets (ROA) | 0.9648% | 2,766 |
| Pretax return on assets | 0.9951% | 3,707 |
| Return on Equity (ROE) | 7.6408% | 3,325 |
| Retained earnings to average equity (ytd only) | 3.4847% | 3,844 |
| Net charge-offs to loans | 0.0957% | 1,833 |
| Credit loss provision to net charge-offs | 135.1351% | 1,819 |
| Earnings coverage of net charge-offs (x) | 14.6753% | 2,278 |
| Efficiency ratio | 66.5846% | 3,110 |
| Assets per employee ($millions) | 5.8617% | 1,601 |
| Cash dividends to net income (ytd only)* | 54.3932% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 2,134 |
| Loan loss allowance to noncurrent loans | 57.7932% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 1.7510% | 806 |
| Noncurrent loans to loans | 2.3295% | 678 |
| Net loans and leases to total assets | 72.6200% | 2,156 |
| Net loans and leases to deposits | 85.0070% | 2,434 |
| Net loans and leases to core deposits | 96.6360% | 2,008 |
| Total domestic deposits to total assets | 85.4283% | 2,547 |
| Equity capital to assets | 13.1206% | 1,329 |
| Core capital (leverage) ratio | 12.0057% | 1,684 |
| Tier 1 risk-based capital ratio | 16.9399% | 2,172 |
| Total risk-based capital ratio | 18.1919% | 2,129 |
| Memoranda: | ||
| Average total assets | $198,172,750 | 2,965 |
| Average earning assets | $184,309,000 | 2,946 |
| Average equity | $25,023,000 | 2,695 |
| Average total loans | $154,604,750 | 2,622 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8879% | 3,591 |
| Cost of funding earning assets | 0.6920% | 932 |
| Net interest margin | 3.1959% | 4,433 |
| Noninterest income to average assets | 0.2293% | 4,868 |
| Noninterest expense to average assets | 2.1747% | 4,616 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0022% | 2,415 |
| Return on assets (ROA) | 1.0022% | 2,455 |
| Pretax return on assets | 1.0323% | 3,438 |
| Return on Equity (ROE) | 8.0389% | 3,009 |
| Retained earnings to average equity (ytd only) | 3.3810% | 3,700 |
| Net charge-offs to loans | 0.0706% | 1,932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 18.4107% | 1,881 |
| Efficiency ratio | 67.8114% | 3,047 |
| Assets per employee ($millions) | 6.8818% | 978 |
| Cash dividends to net income (ytd only)* | 57.9421% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 2,934 |
| Loan loss allowance to noncurrent loans | 58.6607% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 1.6643% | 890 |
| Noncurrent loans to loans | 2.0693% | 805 |
| Net loans and leases to total assets | 76.9500% | 1,387 |
| Net loans and leases to deposits | 90.1582% | 1,706 |
| Net loans and leases to core deposits | 103.6352% | 1,385 |
| Total domestic deposits to total assets | 85.3500% | 2,666 |
| Equity capital to assets | 13.0754% | 1,340 |
| Core capital (leverage) ratio | 11.8874% | 1,704 |
| Tier 1 risk-based capital ratio | 16.0974% | 2,460 |
| Total risk-based capital ratio | 17.3481% | 2,407 |
| Memoranda: | ||
| Average total assets | $199,751,330 | 2,972 |
| Average earning assets | $186,114,670 | 2,948 |
| Average equity | $24,904,000 | 2,712 |
| Average total loans | $158,676,000 | 2,584 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7550% | 3,914 |
| Cost of funding earning assets | 0.8080% | 465 |
| Net interest margin | 2.9470% | 5,000 |
| Noninterest income to average assets | 0.2361% | 4,851 |
| Noninterest expense to average assets | 2.1940% | 4,660 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7615% | 3,417 |
| Return on assets (ROA) | 0.7615% | 3,469 |
| Pretax return on assets | 0.7910% | 4,138 |
| Return on Equity (ROE) | 6.2524% | 3,787 |
| Retained earnings to average equity (ytd only) | 4.4752% | 3,184 |
| Net charge-offs to loans | 0.1154% | 1,248 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 8.5532% | 2,053 |
| Efficiency ratio | 73.5003% | 2,321 |
| Assets per employee ($millions) | 5.6824% | 1,743 |
| Cash dividends to net income (ytd only)* | 28.4238% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 3,262 |
| Loan loss allowance to noncurrent loans | 44.6150% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 2.1961% | 572 |
| Noncurrent loans to loans | 2.6431% | 578 |
| Net loans and leases to total assets | 79.4211% | 914 |
| Net loans and leases to deposits | 92.8456% | 1,240 |
| Net loans and leases to core deposits | 107.7662% | 988 |
| Total domestic deposits to total assets | 85.5411% | 2,868 |
| Equity capital to assets | 12.9009% | 1,299 |
| Core capital (leverage) ratio | 11.2191% | 2,172 |
| Tier 1 risk-based capital ratio | 15.6069% | 2,711 |
| Total risk-based capital ratio | 16.8576% | 2,647 |
| Memoranda: | ||
| Average total assets | $203,282,000 | 2,955 |
| Average earning assets | $189,614,000 | 2,939 |
| Average equity | $24,758,500 | 2,730 |
| Average total loans | $162,965,500 | 2,537 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0314% | 3,089 |
| Cost of funding earning assets | 0.6539% | 1,032 |
| Net interest margin | 3.3774% | 3,901 |
| Noninterest income to average assets | 0.3227% | 4,432 |
| Noninterest expense to average assets | 2.2953% | 4,570 |
| Loan and lease loss provision to assets | 0.1001% | 2,380 |
| Net operating income to assets | 1.0406% | 2,183 |
| Return on assets (ROA) | 1.0625% | 2,179 |
| Pretax return on assets | 1.0893% | 3,144 |
| Return on Equity (ROE) | 9.7957% | 2,056 |
| Retained earnings to average equity (ytd only) | 4.6032% | 2,635 |
| Net charge-offs to loans | 0.1178% | 2,078 |
| Credit loss provision to net charge-offs | 102.7523% | 2,516 |
| Earnings coverage of net charge-offs (x) | 11.9771% | 2,497 |
| Efficiency ratio | 66.2923% | 3,545 |
| Assets per employee ($millions) | 5.7659% | 1,647 |
| Cash dividends to net income (ytd only)* | 53.0080% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 3,713 |
| Loan loss allowance to noncurrent loans | 53.9500% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 1.7484% | 864 |
| Noncurrent loans to loans | 2.0398% | 878 |
| Net loans and leases to total assets | 79.1126% | 1,027 |
| Net loans and leases to deposits | 93.1389% | 1,282 |
| Net loans and leases to core deposits | 114.6504% | 671 |
| Total domestic deposits to total assets | 84.9404% | 3,078 |
| Equity capital to assets | 11.5122% | 2,162 |
| Core capital (leverage) ratio | 10.2301% | 3,192 |
| Tier 1 risk-based capital ratio | 13.8461% | 3,548 |
| Total risk-based capital ratio | 15.0367% | 3,494 |
| Memoranda: | ||
| Average total assets | $223,715,400 | 2,725 |
| Average earning assets | $207,967,800 | 2,715 |
| Average equity | $24,265,800 | 2,780 |
| Average total loans | $185,097,000 | 2,259 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0082% | 3,207 |
| Cost of funding earning assets | 0.6494% | 1,059 |
| Net interest margin | 3.3588% | 4,003 |
| Noninterest income to average assets | 0.3040% | 4,595 |
| Noninterest expense to average assets | 2.3012% | 4,529 |
| Loan and lease loss provision to assets | 0.0943% | 2,342 |
| Net operating income to assets | 1.0030% | 2,416 |
| Return on assets (ROA) | 1.0316% | 2,409 |
| Pretax return on assets | 1.0581% | 3,399 |
| Return on Equity (ROE) | 9.6502% | 2,206 |
| Retained earnings to average equity (ytd only) | 2.7060% | 4,272 |
| Net charge-offs to loans | -0.0099% | 4,766 |
| Credit loss provision to net charge-offs | -1,142.8571% | 5,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2058% | 3,380 |
| Assets per employee ($millions) | 4.9167% | 2,469 |
| Cash dividends to net income (ytd only)* | 71.9589% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 3,670 |
| Loan loss allowance to noncurrent loans | 53.3090% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 2.4448% | 567 |
| Noncurrent loans to loans | 2.1209% | 901 |
| Net loans and leases to total assets | 82.7009% | 545 |
| Net loans and leases to deposits | 97.0486% | 948 |
| Net loans and leases to core deposits | 120.5957% | 489 |
| Total domestic deposits to total assets | 85.2160% | 2,714 |
| Equity capital to assets | 11.2575% | 2,736 |
| Core capital (leverage) ratio | 9.8110% | 3,799 |
| Tier 1 risk-based capital ratio | 12.7818% | 4,287 |
| Total risk-based capital ratio | 14.0145% | 4,211 |
| Memoranda: | ||
| Average total assets | $226,309,500 | 2,710 |
| Average earning assets | $210,231,750 | 2,702 |
| Average equity | $24,192,250 | 2,802 |
| Average total loans | $188,707,250 | 2,222 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0310% | 3,133 |
| Cost of funding earning assets | 0.6350% | 1,116 |
| Net interest margin | 3.3960% | 3,912 |
| Noninterest income to average assets | 0.2587% | 4,928 |
| Noninterest expense to average assets | 2.1800% | 4,891 |
| Loan and lease loss provision to assets | 0.0087% | 3,910 |
| Net operating income to assets | 1.2028% | 1,586 |
| Return on assets (ROA) | 1.2455% | 1,553 |
| Pretax return on assets | 1.2716% | 2,516 |
| Return on Equity (ROE) | 11.8484% | 1,372 |
| Retained earnings to average equity (ytd only) | 3.2314% | 3,834 |
| Net charge-offs to loans | -0.0167% | 4,871 |
| Credit loss provision to net charge-offs | -62.5000% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8032% | 4,058 |
| Assets per employee ($millions) | 5.0532% | 2,250 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 4,377 |
| Loan loss allowance to noncurrent loans | 46.4854% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 1.8836% | 894 |
| Noncurrent loans to loans | 2.2064% | 852 |
| Net loans and leases to total assets | 82.3758% | 587 |
| Net loans and leases to deposits | 102.3069% | 543 |
| Net loans and leases to core deposits | 128.8669% | 317 |
| Total domestic deposits to total assets | 80.5183% | 4,405 |
| Equity capital to assets | 10.9305% | 3,134 |
| Core capital (leverage) ratio | 9.6424% | 4,009 |
| Tier 1 risk-based capital ratio | 12.2168% | 4,692 |
| Total risk-based capital ratio | 13.3150% | 4,705 |
| Memoranda: | ||
| Average total assets | $229,634,330 | 2,679 |
| Average earning assets | $213,544,000 | 2,676 |
| Average equity | $24,138,330 | 2,823 |
| Average total loans | $191,290,670 | 2,201 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0349% | 3,094 |
| Cost of funding earning assets | 0.5957% | 1,355 |
| Net interest margin | 3.4392% | 3,716 |
| Noninterest income to average assets | 0.2606% | 4,866 |
| Noninterest expense to average assets | 2.0285% | 5,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3940% | 1,044 |
| Return on assets (ROA) | 1.3940% | 1,105 |
| Pretax return on assets | 1.4198% | 1,846 |
| Return on Equity (ROE) | 13.5185% | 930 |
| Retained earnings to average equity (ytd only) | 5.8696% | 2,438 |
| Net charge-offs to loans | -0.0412% | 5,232 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8265% | 4,899 |
| Assets per employee ($millions) | 5.3154% | 2,019 |
| Cash dividends to net income (ytd only)* | 56.5806% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 4,739 |
| Loan loss allowance to noncurrent loans | 57.1601% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 1.5100% | 1,348 |
| Noncurrent loans to loans | 1.7052% | 1,322 |
| Net loans and leases to total assets | 86.1016% | 213 |
| Net loans and leases to deposits | 107.4485% | 295 |
| Net loans and leases to core deposits | 137.7003% | 188 |
| Total domestic deposits to total assets | 80.1329% | 4,721 |
| Equity capital to assets | 10.8619% | 3,097 |
| Core capital (leverage) ratio | 9.5709% | 4,075 |
| Tier 1 risk-based capital ratio | 11.9794% | 4,929 |
| Total risk-based capital ratio | 13.0547% | 4,946 |
| Memoranda: | ||
| Average total assets | $233,280,500 | 2,664 |
| Average earning assets | $216,215,500 | 2,663 |
| Average equity | $24,056,000 | 2,829 |
| Average total loans | $194,409,000 | 2,167 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2345% | 2,442 |
| Cost of funding earning assets | 0.6565% | 1,032 |
| Net interest margin | 3.5780% | 3,217 |
| Noninterest income to average assets | 0.2767% | 4,906 |
| Noninterest expense to average assets | 2.0606% | 5,332 |
| Loan and lease loss provision to assets | 0.3282% | 492 |
| Net operating income to assets | 1.1774% | 1,636 |
| Return on assets (ROA) | 1.1843% | 1,687 |
| Pretax return on assets | 1.2063% | 2,637 |
| Return on Equity (ROE) | 11.6662% | 1,385 |
| Retained earnings to average equity (ytd only) | 5.5900% | 2,023 |
| Net charge-offs to loans | -0.0011% | 4,840 |
| Credit loss provision to net charge-offs | -37,250.0000% | 5,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4288% | 5,204 |
| Assets per employee ($millions) | 6.7568% | 985 |
| Cash dividends to net income (ytd only)* | 52.0833% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 4,806 |
| Loan loss allowance to noncurrent loans | 80.8290% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 0.9521% | 2,285 |
| Noncurrent loans to loans | 1.1895% | 1,983 |
| Net loans and leases to total assets | 79.2756% | 950 |
| Net loans and leases to deposits | 93.7093% | 1,229 |
| Net loans and leases to core deposits | 122.6367% | 415 |
| Total domestic deposits to total assets | 84.5974% | 3,253 |
| Equity capital to assets | 9.7741% | 4,217 |
| Core capital (leverage) ratio | 8.8025% | 5,106 |
| Tier 1 risk-based capital ratio | 11.5499% | 5,212 |
| Total risk-based capital ratio | 12.5977% | 5,243 |
| Memoranda: | ||
| Average total assets | $226,974,400 | 2,689 |
| Average earning assets | $210,058,600 | 2,680 |
| Average equity | $23,041,000 | 2,875 |
| Average total loans | $186,356,200 | 2,183 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3301% | 2,139 |
| Cost of funding earning assets | 0.6488% | 1,101 |
| Net interest margin | 3.6813% | 2,842 |
| Noninterest income to average assets | 0.2985% | 4,802 |
| Noninterest expense to average assets | 2.0833% | 5,313 |
| Loan and lease loss provision to assets | 0.4008% | 300 |
| Net operating income to assets | 1.1950% | 1,667 |
| Return on assets (ROA) | 1.1927% | 1,742 |
| Pretax return on assets | 1.2196% | 2,733 |
| Return on Equity (ROE) | 11.6312% | 1,488 |
| Retained earnings to average equity (ytd only) | 3.4649% | 3,997 |
| Net charge-offs to loans | -0.0101% | 4,991 |
| Credit loss provision to net charge-offs | -4,785.7143% | 5,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2137% | 5,327 |
| Assets per employee ($millions) | 5.8507% | 1,471 |
| Cash dividends to net income (ytd only)* | 70.2106% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9371% | 5,037 |
| Loan loss allowance to noncurrent loans | 130.7081% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.5914% | 3,509 |
| Noncurrent loans to loans | 0.7170% | 3,185 |
| Net loans and leases to total assets | 81.7116% | 612 |
| Net loans and leases to deposits | 98.5127% | 775 |
| Net loans and leases to core deposits | 135.8501% | 208 |
| Total domestic deposits to total assets | 82.9452% | 3,835 |
| Equity capital to assets | 9.8369% | 4,357 |
| Core capital (leverage) ratio | 8.7113% | 5,340 |
| Tier 1 risk-based capital ratio | 11.3632% | 5,453 |
| Total risk-based capital ratio | 12.3940% | 5,471 |
| Memoranda: | ||
| Average total assets | $222,906,750 | 2,748 |
| Average earning assets | $206,333,500 | 2,731 |
| Average equity | $22,857,500 | 2,912 |
| Average total loans | $184,268,750 | 2,212 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3943% | 1,865 |
| Cost of funding earning assets | 0.6360% | 1,191 |
| Net interest margin | 3.7583% | 2,483 |
| Noninterest income to average assets | 0.2290% | 5,326 |
| Noninterest expense to average assets | 2.1250% | 5,286 |
| Loan and lease loss provision to assets | 0.1551% | 1,371 |
| Net operating income to assets | 1.4096% | 1,072 |
| Return on assets (ROA) | 1.4060% | 1,117 |
| Pretax return on assets | 1.4334% | 1,854 |
| Return on Equity (ROE) | 13.5158% | 1,008 |
| Retained earnings to average equity (ytd only) | 4.4819% | 3,161 |
| Net charge-offs to loans | -0.1445% | 5,919 |
| Credit loss provision to net charge-offs | -129.7710% | 4,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1674% | 5,316 |
| Assets per employee ($millions) | 5.8332% | 1,471 |
| Cash dividends to net income (ytd only)* | 66.8397% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7431% | 5,725 |
| Loan loss allowance to noncurrent loans | 64.9954% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 0.9644% | 2,597 |
| Noncurrent loans to loans | 1.1433% | 2,364 |
| Net loans and leases to total assets | 83.7297% | 393 |
| Net loans and leases to deposits | 101.4438% | 576 |
| Net loans and leases to core deposits | 140.9877% | 161 |
| Total domestic deposits to total assets | 82.5380% | 4,110 |
| Equity capital to assets | 10.0671% | 3,958 |
| Core capital (leverage) ratio | 9.2017% | 4,690 |
| Tier 1 risk-based capital ratio | 11.4275% | 5,513 |
| Total risk-based capital ratio | 12.2481% | 5,629 |
| Memoranda: | ||
| Average total assets | $219,199,670 | 2,794 |
| Average earning assets | $203,445,670 | 2,781 |
| Average equity | $22,803,000 | 2,927 |
| Average total loans | $181,346,000 | 2,250 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4471% | 1,615 |
| Cost of funding earning assets | 0.6478% | 1,131 |
| Net interest margin | 3.7993% | 2,236 |
| Noninterest income to average assets | 0.1562% | 5,807 |
| Noninterest expense to average assets | 2.0944% | 5,396 |
| Loan and lease loss provision to assets | 0.0763% | 2,426 |
| Net operating income to assets | 1.5027% | 842 |
| Return on assets (ROA) | 1.4954% | 911 |
| Pretax return on assets | 1.5233% | 1,489 |
| Return on Equity (ROE) | 14.1341% | 853 |
| Retained earnings to average equity (ytd only) | 5.6958% | 2,659 |
| Net charge-offs to loans | -0.2317% | 6,087 |
| Credit loss provision to net charge-offs | -40.1961% | 4,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5829% | 5,477 |
| Assets per employee ($millions) | 5.4535% | 1,834 |
| Cash dividends to net income (ytd only)* | 59.7015% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7081% | 5,890 |
| Loan loss allowance to noncurrent loans | 78.9539% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 0.7744% | 3,174 |
| Noncurrent loans to loans | 0.8968% | 2,992 |
| Net loans and leases to total assets | 83.6016% | 334 |
| Net loans and leases to deposits | 100.9963% | 510 |
| Net loans and leases to core deposits | 133.8674% | 205 |
| Total domestic deposits to total assets | 82.7769% | 4,241 |
| Equity capital to assets | 10.7883% | 3,210 |
| Core capital (leverage) ratio | 9.3448% | 4,501 |
| Tier 1 risk-based capital ratio | 12.1832% | 5,124 |
| Total risk-based capital ratio | 12.9685% | 5,332 |
| Memoranda: | ||
| Average total assets | $215,052,500 | 2,853 |
| Average earning assets | $200,668,500 | 2,828 |
| Average equity | $22,753,500 | 2,950 |
| Average total loans | $176,066,000 | 2,303 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3444% | 2,442 |
| Cost of funding earning assets | 0.7010% | 1,104 |
| Net interest margin | 3.6434% | 3,243 |
| Noninterest income to average assets | 0.1508% | 5,940 |
| Noninterest expense to average assets | 1.8109% | 6,054 |
| Loan and lease loss provision to assets | 0.1675% | 1,560 |
| Net operating income to assets | 1.5300% | 827 |
| Return on assets (ROA) | 1.6712% | 638 |
| Pretax return on assets | 1.6879% | 1,009 |
| Return on Equity (ROE) | 16.6757% | 529 |
| Retained earnings to average equity (ytd only) | 10.8879% | 392 |
| Net charge-offs to loans | 0.1524% | 2,514 |
| Credit loss provision to net charge-offs | 148.9362% | 1,623 |
| Earnings coverage of net charge-offs (x) | 15.2298% | 2,097 |
| Efficiency ratio | 51.3921% | 6,021 |
| Assets per employee ($millions) | 5.4355% | 1,824 |
| Cash dividends to net income (ytd only)* | 34.7079% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6501% | 6,075 |
| Loan loss allowance to noncurrent loans | 57.3102% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 0.9213% | 2,912 |
| Noncurrent loans to loans | 1.1343% | 2,569 |
| Net loans and leases to total assets | 79.0778% | 874 |
| Net loans and leases to deposits | 95.5719% | 936 |
| Net loans and leases to core deposits | 114.0640% | 603 |
| Total domestic deposits to total assets | 82.7417% | 4,170 |
| Equity capital to assets | 10.3772% | 3,631 |
| Core capital (leverage) ratio | 9.2891% | 4,554 |
| Tier 1 risk-based capital ratio | 12.1938% | 5,232 |
| Total risk-based capital ratio | 12.9030% | 5,481 |
| Memoranda: | ||
| Average total assets | $208,954,400 | 2,885 |
| Average earning assets | $193,444,600 | 2,872 |
| Average equity | $20,940,600 | 3,061 |
| Average total loans | $154,244,400 | 2,509 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3531% | 2,410 |
| Cost of funding earning assets | 0.7232% | 1,031 |
| Net interest margin | 3.6299% | 3,311 |
| Noninterest income to average assets | 0.1470% | 6,037 |
| Noninterest expense to average assets | 1.7192% | 6,195 |
| Loan and lease loss provision to assets | 0.2256% | 1,000 |
| Net operating income to assets | 1.5387% | 864 |
| Return on assets (ROA) | 1.7288% | 602 |
| Pretax return on assets | 1.7495% | 980 |
| Return on Equity (ROE) | 17.4135% | 504 |
| Retained earnings to average equity (ytd only) | 9.5443% | 823 |
| Net charge-offs to loans | 0.0152% | 4,247 |
| Credit loss provision to net charge-offs | 2,058.8235% | 171 |
| Earnings coverage of net charge-offs (x) | 162.6780% | 385 |
| Efficiency ratio | 49.0889% | 6,148 |
| Assets per employee ($millions) | 6.1256% | 1,246 |
| Cash dividends to net income (ytd only)* | 45.1902% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8617% | 5,712 |
| Loan loss allowance to noncurrent loans | 65.1309% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 0.9997% | 2,953 |
| Noncurrent loans to loans | 1.3230% | 2,434 |
| Net loans and leases to total assets | 74.1906% | 1,497 |
| Net loans and leases to deposits | 89.2728% | 1,513 |
| Net loans and leases to core deposits | 108.5572% | 822 |
| Total domestic deposits to total assets | 83.1055% | 4,102 |
| Equity capital to assets | 10.3981% | 3,680 |
| Core capital (leverage) ratio | 9.0942% | 4,938 |
| Tier 1 risk-based capital ratio | 12.6434% | 5,068 |
| Total risk-based capital ratio | 13.5596% | 5,218 |
| Memoranda: | ||
| Average total assets | $206,838,000 | 2,939 |
| Average earning assets | $191,182,750 | 2,923 |
| Average equity | $20,535,250 | 3,111 |
| Average total loans | $149,541,500 | 2,585 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3100% | 2,552 |
| Cost of funding earning assets | 0.7147% | 1,115 |
| Net interest margin | 3.5953% | 3,378 |
| Noninterest income to average assets | 0.1415% | 6,114 |
| Noninterest expense to average assets | 1.6767% | 6,292 |
| Loan and lease loss provision to assets | 0.2190% | 1,061 |
| Net operating income to assets | 1.5521% | 787 |
| Return on assets (ROA) | 1.6922% | 613 |
| Pretax return on assets | 1.7125% | 994 |
| Return on Equity (ROE) | 17.3200% | 519 |
| Retained earnings to average equity (ytd only) | 8.2731% | 1,223 |
| Net charge-offs to loans | 0.0217% | 3,775 |
| Credit loss provision to net charge-offs | 1,412.5000% | 256 |
| Earnings coverage of net charge-offs (x) | 115.4375% | 501 |
| Efficiency ratio | 48.3646% | 6,272 |
| Assets per employee ($millions) | 6.0618% | 1,247 |
| Cash dividends to net income (ytd only)* | 52.2337% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8058% | 5,961 |
| Loan loss allowance to noncurrent loans | 130.6210% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.4629% | 4,606 |
| Noncurrent loans to loans | 0.6169% | 4,177 |
| Net loans and leases to total assets | 72.8634% | 1,596 |
| Net loans and leases to deposits | 87.5083% | 1,656 |
| Net loans and leases to core deposits | 107.0455% | 829 |
| Total domestic deposits to total assets | 83.2646% | 4,203 |
| Equity capital to assets | 10.2085% | 3,812 |
| Core capital (leverage) ratio | 8.8809% | 5,189 |
| Tier 1 risk-based capital ratio | 12.6804% | 5,097 |
| Total risk-based capital ratio | 13.5449% | 5,285 |
| Memoranda: | ||
| Average total assets | $206,361,000 | 2,962 |
| Average earning assets | $190,860,670 | 2,936 |
| Average equity | $20,161,670 | 3,155 |
| Average total loans | $147,435,670 | 2,619 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 2,612 |
| Cost of funding earning assets | 0.7087% | 1,196 |
| Net interest margin | 3.5664% | 3,406 |
| Noninterest income to average assets | 0.1685% | 5,967 |
| Noninterest expense to average assets | 1.7105% | 6,337 |
| Loan and lease loss provision to assets | 0.2925% | 670 |
| Net operating income to assets | 1.4515% | 896 |
| Return on assets (ROA) | 1.6969% | 595 |
| Pretax return on assets | 1.7182% | 939 |
| Return on Equity (ROE) | 17.7665% | 457 |
| Retained earnings to average equity (ytd only) | 8.6399% | 1,366 |
| Net charge-offs to loans | 0.0302% | 2,980 |
| Credit loss provision to net charge-offs | 1,372.7273% | 246 |
| Earnings coverage of net charge-offs (x) | 82.7273% | 527 |
| Efficiency ratio | 49.2471% | 6,302 |
| Assets per employee ($millions) | 5.6721% | 1,558 |
| Cash dividends to net income (ytd only)* | 51.3699% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7752% | 6,151 |
| Loan loss allowance to noncurrent loans | 135.7733% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 4,862 |
| Noncurrent loans to loans | 0.5709% | 4,449 |
| Net loans and leases to total assets | 72.0917% | 1,565 |
| Net loans and leases to deposits | 89.1208% | 1,239 |
| Net loans and leases to core deposits | 108.3081% | 663 |
| Total domestic deposits to total assets | 80.8922% | 5,262 |
| Equity capital to assets | 9.8686% | 3,998 |
| Core capital (leverage) ratio | 8.7584% | 5,315 |
| Tier 1 risk-based capital ratio | 12.5296% | 5,295 |
| Total risk-based capital ratio | 13.3534% | 5,505 |
| Memoranda: | ||
| Average total assets | $206,490,500 | 2,976 |
| Average earning assets | $191,343,000 | 2,958 |
| Average equity | $19,722,500 | 3,197 |
| Average total loans | $145,457,000 | 2,649 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 3,141 |
| Cost of funding earning assets | 0.7705% | 1,375 |
| Net interest margin | 3.4827% | 3,975 |
| Noninterest income to average assets | 0.2195% | 5,763 |
| Noninterest expense to average assets | 1.7664% | 6,376 |
| Loan and lease loss provision to assets | 0.2011% | 1,854 |
| Net operating income to assets | 1.4340% | 954 |
| Return on assets (ROA) | 1.4855% | 894 |
| Pretax return on assets | 1.5059% | 1,431 |
| Return on Equity (ROE) | 14.8487% | 796 |
| Retained earnings to average equity (ytd only) | 9.1118% | 750 |
| Net charge-offs to loans | 0.0808% | 4,086 |
| Credit loss provision to net charge-offs | 394.8454% | 578 |
| Earnings coverage of net charge-offs (x) | 32.4948% | 1,103 |
| Efficiency ratio | 50.3223% | 6,386 |
| Assets per employee ($millions) | 5.9653% | 1,293 |
| Cash dividends to net income (ytd only)* | 38.6356% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7085% | 6,334 |
| Loan loss allowance to noncurrent loans | 129.3214% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.3961% | 5,065 |
| Noncurrent loans to loans | 0.5479% | 4,620 |
| Net loans and leases to total assets | 67.7949% | 2,391 |
| Net loans and leases to deposits | 76.0396% | 2,958 |
| Net loans and leases to core deposits | 89.2900% | 2,112 |
| Total domestic deposits to total assets | 89.1574% | 1,514 |
| Equity capital to assets | 9.2410% | 4,759 |
| Core capital (leverage) ratio | 8.5157% | 5,653 |
| Tier 1 risk-based capital ratio | 12.2862% | 5,436 |
| Total risk-based capital ratio | 13.0135% | 5,697 |
| Memoranda: | ||
| Average total assets | $190,446,400 | 3,150 |
| Average earning assets | $175,092,000 | 3,147 |
| Average equity | $19,052,200 | 3,273 |
| Average total loans | $120,041,600 | 3,037 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2316% | 3,267 |
| Cost of funding earning assets | 0.7868% | 1,399 |
| Net interest margin | 3.4447% | 4,104 |
| Noninterest income to average assets | 0.2217% | 5,838 |
| Noninterest expense to average assets | 1.7755% | 6,379 |
| Loan and lease loss provision to assets | 0.1643% | 2,204 |
| Net operating income to assets | 1.4259% | 1,042 |
| Return on assets (ROA) | 1.4756% | 988 |
| Pretax return on assets | 1.4979% | 1,614 |
| Return on Equity (ROE) | 14.4410% | 900 |
| Retained earnings to average equity (ytd only) | 6.7677% | 1,990 |
| Net charge-offs to loans | 0.0326% | 4,482 |
| Credit loss provision to net charge-offs | 817.8571% | 363 |
| Earnings coverage of net charge-offs (x) | 80.2553% | 590 |
| Efficiency ratio | 50.6141% | 6,361 |
| Assets per employee ($millions) | 5.7435% | 1,409 |
| Cash dividends to net income (ytd only)* | 53.1357% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7158% | 6,421 |
| Loan loss allowance to noncurrent loans | 165.4741% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 5,487 |
| Noncurrent loans to loans | 0.4326% | 5,117 |
| Net loans and leases to total assets | 65.6983% | 2,686 |
| Net loans and leases to deposits | 74.0340% | 3,230 |
| Net loans and leases to core deposits | 89.7482% | 1,995 |
| Total domestic deposits to total assets | 88.7407% | 1,700 |
| Equity capital to assets | 9.5023% | 4,554 |
| Core capital (leverage) ratio | 8.7544% | 5,471 |
| Tier 1 risk-based capital ratio | 12.6935% | 5,331 |
| Total risk-based capital ratio | 13.4167% | 5,609 |
| Memoranda: | ||
| Average total assets | $185,861,250 | 3,243 |
| Average earning assets | $170,807,000 | 3,232 |
| Average equity | $18,991,750 | 3,315 |
| Average total loans | $114,412,750 | 3,177 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1872% | 3,423 |
| Cost of funding earning assets | 0.7948% | 1,442 |
| Net interest margin | 3.3924% | 4,211 |
| Noninterest income to average assets | 0.2397% | 5,734 |
| Noninterest expense to average assets | 1.7261% | 6,474 |
| Loan and lease loss provision to assets | 0.2441% | 1,528 |
| Net operating income to assets | 1.3643% | 1,158 |
| Return on assets (ROA) | 1.4393% | 1,085 |
| Pretax return on assets | 1.4623% | 1,734 |
| Return on Equity (ROE) | 13.7430% | 1,064 |
| Retained earnings to average equity (ytd only) | 5.1419% | 2,962 |
| Net charge-offs to loans | -0.0475% | 6,249 |
| Credit loss provision to net charge-offs | -857.6923% | 6,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0541% | 6,479 |
| Assets per employee ($millions) | 5.2585% | 1,839 |
| Cash dividends to net income (ytd only)* | 62.5856% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8278% | 6,301 |
| Loan loss allowance to noncurrent loans | 72.8839% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 0.7254% | 4,411 |
| Noncurrent loans to loans | 1.1358% | 3,664 |
| Net loans and leases to total assets | 63.3320% | 3,038 |
| Net loans and leases to deposits | 71.8964% | 3,461 |
| Net loans and leases to core deposits | 85.9944% | 2,333 |
| Total domestic deposits to total assets | 88.0880% | 2,183 |
| Equity capital to assets | 10.0663% | 3,835 |
| Core capital (leverage) ratio | 8.9384% | 5,092 |
| Tier 1 risk-based capital ratio | 13.5163% | 4,756 |
| Total risk-based capital ratio | 14.3514% | 5,016 |
| Memoranda: | ||
| Average total assets | $182,722,000 | 3,285 |
| Average earning assets | $167,845,000 | 3,286 |
| Average equity | $19,137,000 | 3,311 |
| Average total loans | $109,477,000 | 3,283 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1425% | 3,546 |
| Cost of funding earning assets | 0.7697% | 1,709 |
| Net interest margin | 3.3728% | 4,220 |
| Noninterest income to average assets | 0.1648% | 6,271 |
| Noninterest expense to average assets | 1.6017% | 6,666 |
| Loan and lease loss provision to assets | 0.0505% | 3,777 |
| Net operating income to assets | 1.5909% | 718 |
| Return on assets (ROA) | 1.6083% | 759 |
| Pretax return on assets | 1.6302% | 1,237 |
| Return on Equity (ROE) | 15.0602% | 756 |
| Retained earnings to average equity (ytd only) | 6.6660% | 2,334 |
| Net charge-offs to loans | 0.0038% | 4,089 |
| Credit loss provision to net charge-offs | 2,300.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 757.0000% | 35 |
| Efficiency ratio | 46.6353% | 6,670 |
| Assets per employee ($millions) | 5.6599% | 1,526 |
| Cash dividends to net income (ytd only)* | 55.7377% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7006% | 6,601 |
| Loan loss allowance to noncurrent loans | 41.4444% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 1.0715% | 3,788 |
| Noncurrent loans to loans | 1.6905% | 3,008 |
| Net loans and leases to total assets | 60.2596% | 3,382 |
| Net loans and leases to deposits | 70.1172% | 3,465 |
| Net loans and leases to core deposits | 81.7678% | 2,604 |
| Total domestic deposits to total assets | 85.9412% | 3,557 |
| Equity capital to assets | 11.0934% | 2,857 |
| Core capital (leverage) ratio | 8.9998% | 4,893 |
| Tier 1 risk-based capital ratio | 14.0610% | 4,466 |
| Total risk-based capital ratio | 14.7441% | 4,836 |
| Memoranda: | ||
| Average total assets | $182,058,500 | 3,322 |
| Average earning assets | $167,338,500 | 3,316 |
| Average equity | $19,442,000 | 3,320 |
| Average total loans | $105,448,000 | 3,392 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4769% | 3,496 |
| Cost of funding earning assets | 1.0584% | 1,081 |
| Net interest margin | 3.4186% | 4,821 |
| Noninterest income to average assets | 0.3706% | 4,827 |
| Noninterest expense to average assets | 1.6950% | 6,727 |
| Loan and lease loss provision to assets | 0.0327% | 5,488 |
| Net operating income to assets | 1.7483% | 559 |
| Return on assets (ROA) | 1.7543% | 619 |
| Pretax return on assets | 1.7785% | 959 |
| Return on Equity (ROE) | 15.8495% | 681 |
| Retained earnings to average equity (ytd only) | 9.9189% | 611 |
| Net charge-offs to loans | -0.0236% | 6,579 |
| Credit loss provision to net charge-offs | -245.4545% | 6,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9170% | 6,784 |
| Assets per employee ($millions) | 6.7379% | 880 |
| Cash dividends to net income (ytd only)* | 37.4180% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6933% | 6,647 |
| Loan loss allowance to noncurrent loans | 40.5830% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 0.9880% | 4,054 |
| Noncurrent loans to loans | 1.7085% | 3,053 |
| Net loans and leases to total assets | 54.9647% | 4,456 |
| Net loans and leases to deposits | 62.5457% | 4,718 |
| Net loans and leases to core deposits | 70.1248% | 4,293 |
| Total domestic deposits to total assets | 87.8793% | 2,304 |
| Equity capital to assets | 10.2936% | 3,766 |
| Core capital (leverage) ratio | 8.6345% | 5,418 |
| Tier 1 risk-based capital ratio | 13.5588% | 4,708 |
| Total risk-based capital ratio | 14.2135% | 5,072 |
| Memoranda: | ||
| Average total assets | $165,137,600 | 3,534 |
| Average earning assets | $151,174,800 | 3,528 |
| Average equity | $18,278,200 | 3,434 |
| Average total loans | $93,069,800 | 3,674 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3870% | 4,103 |
| Cost of funding earning assets | 1.0785% | 1,152 |
| Net interest margin | 3.3086% | 5,361 |
| Noninterest income to average assets | 0.6313% | 3,103 |
| Noninterest expense to average assets | 1.7255% | 6,760 |
| Loan and lease loss provision to assets | 0.0620% | 4,938 |
| Net operating income to assets | 1.8520% | 516 |
| Return on assets (ROA) | 1.8603% | 577 |
| Pretax return on assets | 1.8829% | 904 |
| Return on Equity (ROE) | 16.4655% | 673 |
| Retained earnings to average equity (ytd only) | 8.4328% | 1,431 |
| Net charge-offs to loans | -0.0369% | 6,630 |
| Credit loss provision to net charge-offs | -296.0000% | 6,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6273% | 6,875 |
| Assets per employee ($millions) | 6.1193% | 1,172 |
| Cash dividends to net income (ytd only)* | 48.7850% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8023% | 6,596 |
| Loan loss allowance to noncurrent loans | 122.2586% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 5,630 |
| Noncurrent loans to loans | 0.6563% | 5,134 |
| Net loans and leases to total assets | 55.8979% | 4,472 |
| Net loans and leases to deposits | 64.9212% | 4,605 |
| Net loans and leases to core deposits | 74.5550% | 3,904 |
| Total domestic deposits to total assets | 86.1010% | 3,195 |
| Equity capital to assets | 11.5034% | 2,734 |
| Core capital (leverage) ratio | 9.0829% | 4,941 |
| Tier 1 risk-based capital ratio | 14.4252% | 4,235 |
| Total risk-based capital ratio | 15.1796% | 4,539 |
| Memoranda: | ||
| Average total assets | $159,256,750 | 3,674 |
| Average earning assets | $145,880,750 | 3,662 |
| Average equity | $17,992,750 | 3,505 |
| Average total loans | $90,232,000 | 3,781 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5865% | 3,427 |
| Cost of funding earning assets | 1.1522% | 1,017 |
| Net interest margin | 3.4343% | 4,949 |
| Noninterest income to average assets | 0.4591% | 4,216 |
| Noninterest expense to average assets | 1.7283% | 6,818 |
| Loan and lease loss provision to assets | 0.0394% | 5,176 |
| Net operating income to assets | 1.8110% | 551 |
| Return on assets (ROA) | 1.8236% | 608 |
| Pretax return on assets | 1.8465% | 946 |
| Return on Equity (ROE) | 16.2447% | 733 |
| Retained earnings to average equity (ytd only) | 7.4766% | 1,887 |
| Net charge-offs to loans | -0.0022% | 6,096 |
| Credit loss provision to net charge-offs | -3,100.0000% | 6,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4096% | 6,909 |
| Assets per employee ($millions) | 6.0676% | 1,195 |
| Cash dividends to net income (ytd only)* | 53.9749% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7405% | 6,780 |
| Loan loss allowance to noncurrent loans | 156.3218% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.3309% | 5,930 |
| Noncurrent loans to loans | 0.4737% | 5,585 |
| Net loans and leases to total assets | 57.7800% | 4,203 |
| Net loans and leases to deposits | 67.0023% | 4,365 |
| Net loans and leases to core deposits | 77.5531% | 3,581 |
| Total domestic deposits to total assets | 86.2358% | 3,230 |
| Equity capital to assets | 11.5285% | 2,563 |
| Core capital (leverage) ratio | 9.1201% | 4,735 |
| Tier 1 risk-based capital ratio | 14.2508% | 4,269 |
| Total risk-based capital ratio | 14.9547% | 4,637 |
| Memoranda: | ||
| Average total assets | $157,268,670 | 3,712 |
| Average earning assets | $143,900,000 | 3,721 |
| Average equity | $17,655,000 | 3,547 |
| Average total loans | $89,275,330 | 3,824 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5590% | 3,679 |
| Cost of funding earning assets | 1.3775% | 458 |
| Net interest margin | 3.1815% | 5,825 |
| Noninterest income to average assets | 0.3312% | 5,209 |
| Noninterest expense to average assets | 1.6532% | 6,931 |
| Loan and lease loss provision to assets | 0.0662% | 4,588 |
| Net operating income to assets | 1.4956% | 1,030 |
| Return on assets (ROA) | 1.5208% | 1,108 |
| Pretax return on assets | 1.5437% | 1,760 |
| Return on Equity (ROE) | 13.7328% | 1,243 |
| Retained earnings to average equity (ytd only) | 5.9118% | 3,015 |
| Net charge-offs to loans | 0.0182% | 4,432 |
| Credit loss provision to net charge-offs | 650.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 155.5000% | 239 |
| Efficiency ratio | 48.2297% | 6,788 |
| Assets per employee ($millions) | 5.7680% | 1,456 |
| Cash dividends to net income (ytd only)* | 56.9514% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7694% | 6,789 |
| Loan loss allowance to noncurrent loans | 47.9256% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 0.9922% | 4,516 |
| Noncurrent loans to loans | 1.6055% | 3,706 |
| Net loans and leases to total assets | 57.6173% | 4,110 |
| Net loans and leases to deposits | 66.9324% | 4,243 |
| Net loans and leases to core deposits | 75.6251% | 3,668 |
| Total domestic deposits to total assets | 86.0829% | 3,478 |
| Equity capital to assets | 11.6819% | 2,277 |
| Core capital (leverage) ratio | 9.0675% | 4,735 |
| Tier 1 risk-based capital ratio | 14.5572% | 4,058 |
| Total risk-based capital ratio | 15.2889% | 4,411 |
| Memoranda: | ||
| Average total assets | $157,024,500 | 3,746 |
| Average earning assets | $143,452,500 | 3,759 |
| Average equity | $17,389,000 | 3,594 |
| Average total loans | $87,997,000 | 3,884 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9152% | 3,289 |
| Cost of funding earning assets | 1.1937% | 2,074 |
| Net interest margin | 3.7215% | 4,199 |
| Noninterest income to average assets | 0.3915% | 4,686 |
| Noninterest expense to average assets | 1.8095% | 6,943 |
| Loan and lease loss provision to assets | 0.0561% | 5,896 |
| Net operating income to assets | 1.8934% | 383 |
| Return on assets (ROA) | 1.8934% | 416 |
| Pretax return on assets | 1.9168% | 641 |
| Return on Equity (ROE) | 16.7754% | 497 |
| Retained earnings to average equity (ytd only) | -2.8641% | 6,256 |
| Net charge-offs to loans | 0.0900% | 5,437 |
| Credit loss provision to net charge-offs | 105.3333% | 3,251 |
| Earnings coverage of net charge-offs (x) | 37.0267% | 719 |
| Efficiency ratio | 45.0977% | 7,086 |
| Assets per employee ($millions) | 6.3108% | 1,050 |
| Cash dividends to net income (ytd only)* | 117.0732% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7288% | 6,860 |
| Loan loss allowance to noncurrent loans | 44.9688% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 0.8782% | 4,868 |
| Noncurrent loans to loans | 1.6206% | 3,728 |
| Net loans and leases to total assets | 53.7957% | 5,067 |
| Net loans and leases to deposits | 61.5205% | 5,306 |
| Net loans and leases to core deposits | 68.3451% | 4,984 |
| Total domestic deposits to total assets | 87.4435% | 2,500 |
| Equity capital to assets | 10.5185% | 3,518 |
| Core capital (leverage) ratio | 8.6027% | 5,394 |
| Tier 1 risk-based capital ratio | 13.7598% | 4,508 |
| Total risk-based capital ratio | 14.4437% | 4,897 |
| Memoranda: | ||
| Average total assets | $140,755,000 | 3,965 |
| Average earning assets | $128,254,600 | 3,965 |
| Average equity | $15,886,400 | 3,744 |
| Average total loans | $83,344,800 | 4,038 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0170% | 3,004 |
| Cost of funding earning assets | 1.2442% | 2,030 |
| Net interest margin | 3.7728% | 3,998 |
| Noninterest income to average assets | 0.3973% | 4,688 |
| Noninterest expense to average assets | 1.8212% | 6,964 |
| Loan and lease loss provision to assets | 0.0534% | 5,781 |
| Net operating income to assets | 1.9359% | 392 |
| Return on assets (ROA) | 1.9359% | 428 |
| Pretax return on assets | 1.9655% | 669 |
| Return on Equity (ROE) | 16.8043% | 590 |
| Retained earnings to average equity (ytd only) | -9.9590% | 6,855 |
| Net charge-offs to loans | 0.1057% | 4,945 |
| Credit loss provision to net charge-offs | 83.0769% | 4,032 |
| Earnings coverage of net charge-offs (x) | 31.4324% | 906 |
| Efficiency ratio | 44.6217% | 7,123 |
| Assets per employee ($millions) | 5.8550% | 1,304 |
| Cash dividends to net income (ytd only)* | 159.2654% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7543% | 6,887 |
| Loan loss allowance to noncurrent loans | 56.2667% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 0.7686% | 5,233 |
| Noncurrent loans to loans | 1.3406% | 4,288 |
| Net loans and leases to total assets | 56.8967% | 4,699 |
| Net loans and leases to deposits | 65.8772% | 4,925 |
| Net loans and leases to core deposits | 74.2780% | 4,407 |
| Total domestic deposits to total assets | 86.3678% | 3,002 |
| Equity capital to assets | 11.1796% | 2,977 |
| Core capital (leverage) ratio | 9.0100% | 4,907 |
| Tier 1 risk-based capital ratio | 13.8896% | 4,423 |
| Total risk-based capital ratio | 14.6048% | 4,805 |
| Memoranda: | ||
| Average total assets | $134,923,250 | 4,100 |
| Average earning assets | $123,125,000 | 4,095 |
| Average equity | $15,543,250 | 3,817 |
| Average total loans | $81,951,750 | 4,123 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1358% | 2,529 |
| Cost of funding earning assets | 1.2743% | 2,093 |
| Net interest margin | 3.8615% | 3,480 |
| Noninterest income to average assets | 0.4012% | 4,673 |
| Noninterest expense to average assets | 1.9252% | 6,913 |
| Loan and lease loss provision to assets | 0.0153% | 6,090 |
| Net operating income to assets | 1.9435% | 374 |
| Return on assets (ROA) | 1.9435% | 394 |
| Pretax return on assets | 1.9785% | 610 |
| Return on Equity (ROE) | 16.6867% | 584 |
| Retained earnings to average equity (ytd only) | -20.7732% | 7,145 |
| Net charge-offs to loans | 0.1328% | 4,412 |
| Credit loss provision to net charge-offs | 18.5185% | 5,150 |
| Earnings coverage of net charge-offs (x) | 24.2037% | 1,069 |
| Efficiency ratio | 46.2826% | 7,146 |
| Assets per employee ($millions) | 5.6694% | 1,425 |
| Cash dividends to net income (ytd only)* | 224.4898% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7384% | 6,972 |
| Loan loss allowance to noncurrent loans | 53.0973% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 0.8305% | 5,222 |
| Noncurrent loans to loans | 1.3906% | 4,323 |
| Net loans and leases to total assets | 59.2779% | 4,416 |
| Net loans and leases to deposits | 68.7238% | 4,601 |
| Net loans and leases to core deposits | 77.0245% | 4,187 |
| Total domestic deposits to total assets | 86.2552% | 3,180 |
| Equity capital to assets | 11.2357% | 2,732 |
| Core capital (leverage) ratio | 9.0452% | 4,650 |
| Tier 1 risk-based capital ratio | 14.0775% | 4,113 |
| Total risk-based capital ratio | 14.7914% | 4,481 |
| Memoranda: | ||
| Average total assets | $131,106,330 | 4,204 |
| Average earning assets | $119,436,330 | 4,196 |
| Average equity | $15,269,670 | 3,858 |
| Average total loans | $81,297,330 | 4,169 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2212% | 2,151 |
| Cost of funding earning assets | 1.3465% | 1,909 |
| Net interest margin | 3.8747% | 3,272 |
| Noninterest income to average assets | 0.3949% | 4,739 |
| Noninterest expense to average assets | 1.8907% | 7,003 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.9685% | 363 |
| Return on assets (ROA) | 1.9685% | 379 |
| Pretax return on assets | 2.0120% | 550 |
| Return on Equity (ROE) | 16.5919% | 615 |
| Retained earnings to average equity (ytd only) | -46.8399% | 7,387 |
| Net charge-offs to loans | 0.0197% | 4,800 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 161.7500% | 194 |
| Efficiency ratio | 45.5777% | 7,220 |
| Assets per employee ($millions) | 5.2502% | 1,823 |
| Cash dividends to net income (ytd only)* | 382.3065% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7972% | 6,927 |
| Loan loss allowance to noncurrent loans | 87.1935% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.5592% | 5,854 |
| Noncurrent loans to loans | 0.9143% | 5,210 |
| Net loans and leases to total assets | 60.6793% | 4,135 |
| Net loans and leases to deposits | 70.7532% | 4,230 |
| Net loans and leases to core deposits | 79.7149% | 3,795 |
| Total domestic deposits to total assets | 85.7620% | 3,660 |
| Equity capital to assets | 11.1242% | 2,566 |
| Core capital (leverage) ratio | 8.9882% | 4,631 |
| Tier 1 risk-based capital ratio | 14.0362% | 4,050 |
| Total risk-based capital ratio | 14.8109% | 4,350 |
| Memoranda: | ||
| Average total assets | $128,626,500 | 4,291 |
| Average earning assets | $116,449,000 | 4,291 |
| Average equity | $15,260,500 | 3,852 |
| Average total loans | $81,317,500 | 4,212 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4154% | 2,603 |
| Cost of funding earning assets | 1.1514% | 4,844 |
| Net interest margin | 4.2640% | 1,943 |
| Noninterest income to average assets | 0.3912% | 4,966 |
| Noninterest expense to average assets | 2.0484% | 6,946 |
| Loan and lease loss provision to assets | 0.1550% | 5,654 |
| Net operating income to assets | 1.9866% | 287 |
| Return on assets (ROA) | 2.0057% | 294 |
| Pretax return on assets | 2.0358% | 449 |
| Return on Equity (ROE) | 15.0250% | 714 |
| Retained earnings to average equity (ytd only) | 7.2552% | 1,224 |
| Net charge-offs to loans | 0.0538% | 6,251 |
| Credit loss provision to net charge-offs | 430.2326% | 545 |
| Earnings coverage of net charge-offs (x) | 60.2791% | 393 |
| Efficiency ratio | 45.6422% | 7,368 |
| Assets per employee ($millions) | 5.2500% | 1,805 |
| Cash dividends to net income (ytd only)* | 51.7126% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7820% | 7,009 |
| Loan loss allowance to noncurrent loans | 110.8434% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.4611% | 6,124 |
| Noncurrent loans to loans | 0.7055% | 5,636 |
| Net loans and leases to total assets | 64.8473% | 3,699 |
| Net loans and leases to deposits | 76.6554% | 3,740 |
| Net loans and leases to core deposits | 82.3178% | 3,861 |
| Total domestic deposits to total assets | 84.5959% | 4,058 |
| Equity capital to assets | 12.6350% | 1,558 |
| Core capital (leverage) ratio | 11.1867% | 2,024 |
| Tier 1 risk-based capital ratio | 15.7982% | 2,843 |
| Total risk-based capital ratio | 16.5605% | 3,052 |
| Memoranda: | ||
| Average total assets | $119,361,600 | 4,496 |
| Average earning assets | $107,175,800 | 4,529 |
| Average equity | $15,933,400 | 3,781 |
| Average total loans | $79,908,000 | 4,347 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4276% | 2,753 |
| Cost of funding earning assets | 1.1676% | 5,042 |
| Net interest margin | 4.2600% | 1,992 |
| Noninterest income to average assets | 0.3863% | 5,067 |
| Noninterest expense to average assets | 1.9880% | 7,071 |
| Loan and lease loss provision to assets | 0.1756% | 5,285 |
| Net operating income to assets | 2.0186% | 328 |
| Return on assets (ROA) | 2.0186% | 355 |
| Pretax return on assets | 2.0458% | 566 |
| Return on Equity (ROE) | 14.9086% | 876 |
| Retained earnings to average equity (ytd only) | 4.5512% | 3,306 |
| Net charge-offs to loans | 0.0538% | 5,985 |
| Credit loss provision to net charge-offs | 484.3750% | 608 |
| Earnings coverage of net charge-offs (x) | 61.2749% | 477 |
| Efficiency ratio | 44.2949% | 7,454 |
| Assets per employee ($millions) | 4.9820% | 2,201 |
| Cash dividends to net income (ytd only)* | 69.4727% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7904% | 7,025 |
| Loan loss allowance to noncurrent loans | 113.6364% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.4600% | 6,275 |
| Noncurrent loans to loans | 0.6956% | 5,819 |
| Net loans and leases to total assets | 65.6098% | 3,776 |
| Net loans and leases to deposits | 81.5105% | 3,185 |
| Net loans and leases to core deposits | 83.0975% | 4,078 |
| Total domestic deposits to total assets | 80.4924% | 5,547 |
| Equity capital to assets | 13.6850% | 1,281 |
| Core capital (leverage) ratio | 11.0198% | 2,244 |
| Tier 1 risk-based capital ratio | 15.9730% | 2,777 |
| Total risk-based capital ratio | 16.7591% | 2,959 |
| Memoranda: | ||
| Average total assets | $117,702,250 | 4,589 |
| Average earning assets | $105,631,000 | 4,619 |
| Average equity | $15,936,750 | 3,820 |
| Average total loans | $79,297,250 | 4,422 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4436% | 2,780 |
| Cost of funding earning assets | 1.1807% | 5,233 |
| Net interest margin | 4.2629% | 1,910 |
| Noninterest income to average assets | 0.3587% | 5,277 |
| Noninterest expense to average assets | 1.9884% | 7,131 |
| Loan and lease loss provision to assets | 0.1708% | 5,163 |
| Net operating income to assets | 1.9918% | 335 |
| Return on assets (ROA) | 1.9918% | 371 |
| Pretax return on assets | 2.0174% | 582 |
| Return on Equity (ROE) | 14.7645% | 897 |
| Retained earnings to average equity (ytd only) | 2.2539% | 4,719 |
| Net charge-offs to loans | 0.0630% | 5,511 |
| Credit loss provision to net charge-offs | 400.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 51.2400% | 580 |
| Efficiency ratio | 44.6217% | 7,502 |
| Assets per employee ($millions) | 4.9381% | 2,259 |
| Cash dividends to net income (ytd only)* | 84.7341% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7240% | 7,198 |
| Loan loss allowance to noncurrent loans | 150.6527% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.4118% | 6,420 |
| Noncurrent loans to loans | 0.4806% | 6,288 |
| Net loans and leases to total assets | 66.7575% | 3,676 |
| Net loans and leases to deposits | 82.2610% | 3,228 |
| Net loans and leases to core deposits | 84.4536% | 4,077 |
| Total domestic deposits to total assets | 81.1533% | 5,348 |
| Equity capital to assets | 13.3773% | 1,400 |
| Core capital (leverage) ratio | 10.9054% | 2,323 |
| Tier 1 risk-based capital ratio | 15.5290% | 2,875 |
| Total risk-based capital ratio | 16.2577% | 3,118 |
| Memoranda: | ||
| Average total assets | $117,080,000 | 4,636 |
| Average earning assets | $104,857,000 | 4,668 |
| Average equity | $15,794,670 | 3,833 |
| Average total loans | $79,371,670 | 4,461 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3665% | 3,205 |
| Cost of funding earning assets | 1.1833% | 5,491 |
| Net interest margin | 4.1832% | 2,110 |
| Noninterest income to average assets | 0.3300% | 5,502 |
| Noninterest expense to average assets | 2.0247% | 7,115 |
| Loan and lease loss provision to assets | 0.1203% | 5,384 |
| Net operating income to assets | 1.9559% | 375 |
| Return on assets (ROA) | 1.9559% | 406 |
| Pretax return on assets | 1.9766% | 635 |
| Return on Equity (ROE) | 14.4370% | 967 |
| Retained earnings to average equity (ytd only) | 1.5477% | 5,170 |
| Net charge-offs to loans | 0.0707% | 4,708 |
| Credit loss provision to net charge-offs | 250.0000% | 1,539 |
| Earnings coverage of net charge-offs (x) | 43.5714% | 635 |
| Efficiency ratio | 46.1218% | 7,549 |
| Assets per employee ($millions) | 4.7805% | 2,532 |
| Cash dividends to net income (ytd only)* | 89.2794% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6565% | 7,420 |
| Loan loss allowance to noncurrent loans | 84.0836% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.5988% | 6,015 |
| Noncurrent loans to loans | 0.7808% | 5,764 |
| Net loans and leases to total assets | 68.9805% | 3,163 |
| Net loans and leases to deposits | 86.3553% | 2,521 |
| Net loans and leases to core deposits | 88.3863% | 3,586 |
| Total domestic deposits to total assets | 79.8799% | 5,827 |
| Equity capital to assets | 13.7496% | 1,226 |
| Core capital (leverage) ratio | 10.8463% | 2,339 |
| Tier 1 risk-based capital ratio | 15.4092% | 2,911 |
| Total risk-based capital ratio | 16.0728% | 3,155 |
| Memoranda: | ||
| Average total assets | $116,363,000 | 4,713 |
| Average earning assets | $105,469,000 | 4,722 |
| Average equity | $15,765,000 | 3,875 |
| Average total loans | $79,210,500 | 4,536 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6006% | 3,608 |
| Cost of funding earning assets | 1.5020% | 5,506 |
| Net interest margin | 4.0986% | 2,452 |
| Noninterest income to average assets | 0.4762% | 4,603 |
| Noninterest expense to average assets | 2.2419% | 6,891 |
| Loan and lease loss provision to assets | 0.1182% | 6,461 |
| Net operating income to assets | 1.7843% | 369 |
| Return on assets (ROA) | 1.8042% | 371 |
| Pretax return on assets | 1.8270% | 598 |
| Return on Equity (ROE) | 13.7272% | 832 |
| Retained earnings to average equity (ytd only) | 7.6262% | 796 |
| Net charge-offs to loans | 0.1146% | 6,019 |
| Credit loss provision to net charge-offs | 155.1724% | 2,930 |
| Earnings coverage of net charge-offs (x) | 25.2759% | 881 |
| Efficiency ratio | 50.7353% | 7,493 |
| Assets per employee ($millions) | 4.9165% | 2,317 |
| Cash dividends to net income (ytd only)* | 44.4444% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6374% | 7,496 |
| Loan loss allowance to noncurrent loans | 80.3200% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.6636% | 5,805 |
| Noncurrent loans to loans | 0.7936% | 5,693 |
| Net loans and leases to total assets | 66.3198% | 4,075 |
| Net loans and leases to deposits | 79.1700% | 4,143 |
| Net loans and leases to core deposits | 86.7407% | 5,450 |
| Total domestic deposits to total assets | 83.7688% | 4,140 |
| Equity capital to assets | 13.3523% | 1,377 |
| Core capital (leverage) ratio | 10.6522% | 2,471 |
| Tier 1 risk-based capital ratio | 15.3792% | 2,768 |
| Total risk-based capital ratio | 16.0202% | 3,017 |
| Memoranda: | ||
| Average total assets | $114,232,400 | 4,716 |
| Average earning assets | $102,863,800 | 4,762 |
| Average equity | $15,014,000 | 4,054 |
| Average total loans | $75,912,200 | 4,656 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6439% | 3,609 |
| Cost of funding earning assets | 1.5751% | 5,515 |
| Net interest margin | 4.0688% | 2,516 |
| Noninterest income to average assets | 0.4672% | 4,767 |
| Noninterest expense to average assets | 2.2196% | 6,923 |
| Loan and lease loss provision to assets | 0.1236% | 6,119 |
| Net operating income to assets | 1.7677% | 485 |
| Return on assets (ROA) | 1.7677% | 511 |
| Pretax return on assets | 1.7936% | 811 |
| Return on Equity (ROE) | 13.5050% | 1,009 |
| Retained earnings to average equity (ytd only) | 5.2689% | 2,333 |
| Net charge-offs to loans | 0.1436% | 5,263 |
| Credit loss provision to net charge-offs | 129.6296% | 3,866 |
| Earnings coverage of net charge-offs (x) | 20.1106% | 1,253 |
| Efficiency ratio | 50.5548% | 7,511 |
| Assets per employee ($millions) | 4.7291% | 2,513 |
| Cash dividends to net income (ytd only)* | 60.9851% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6447% | 7,499 |
| Loan loss allowance to noncurrent loans | 73.4255% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.6828% | 5,777 |
| Noncurrent loans to loans | 0.8780% | 5,536 |
| Net loans and leases to total assets | 64.9042% | 4,673 |
| Net loans and leases to deposits | 77.2210% | 4,860 |
| Net loans and leases to core deposits | 84.9321% | 5,974 |
| Total domestic deposits to total assets | 84.0499% | 3,702 |
| Equity capital to assets | 13.4760% | 1,511 |
| Core capital (leverage) ratio | 10.4368% | 2,844 |
| Tier 1 risk-based capital ratio | 15.4955% | 2,829 |
| Total risk-based capital ratio | 16.1424% | 3,031 |
| Memoranda: | ||
| Average total assets | $113,291,750 | 4,773 |
| Average earning assets | $102,172,500 | 4,818 |
| Average equity | $14,828,750 | 4,126 |
| Average total loans | $75,201,250 | 4,729 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7633% | 3,229 |
| Cost of funding earning assets | 1.6385% | 5,566 |
| Net interest margin | 4.1248% | 2,240 |
| Noninterest income to average assets | 0.4593% | 4,785 |
| Noninterest expense to average assets | 2.2204% | 7,006 |
| Loan and lease loss provision to assets | 0.1325% | 5,770 |
| Net operating income to assets | 1.7859% | 480 |
| Return on assets (ROA) | 1.7859% | 518 |
| Pretax return on assets | 1.8106% | 833 |
| Return on Equity (ROE) | 13.7801% | 1,031 |
| Retained earnings to average equity (ytd only) | 4.4571% | 2,814 |
| Net charge-offs to loans | 0.0821% | 5,382 |
| Credit loss provision to net charge-offs | 241.9355% | 1,916 |
| Earnings coverage of net charge-offs (x) | 35.4839% | 892 |
| Efficiency ratio | 50.2333% | 7,653 |
| Assets per employee ($millions) | 4.6332% | 2,550 |
| Cash dividends to net income (ytd only)* | 67.6558% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6636% | 7,509 |
| Loan loss allowance to noncurrent loans | 222.3214% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 6,878 |
| Noncurrent loans to loans | 0.2985% | 6,766 |
| Net loans and leases to total assets | 67.0438% | 4,351 |
| Net loans and leases to deposits | 79.8146% | 4,572 |
| Net loans and leases to core deposits | 88.3796% | 5,686 |
| Total domestic deposits to total assets | 83.9994% | 3,774 |
| Equity capital to assets | 13.2280% | 1,588 |
| Core capital (leverage) ratio | 10.2986% | 2,997 |
| Tier 1 risk-based capital ratio | 15.1121% | 2,971 |
| Total risk-based capital ratio | 15.7853% | 3,163 |
| Memoranda: | ||
| Average total assets | $113,223,000 | 4,795 |
| Average earning assets | $101,677,000 | 4,852 |
| Average equity | $14,673,330 | 4,167 |
| Average total loans | $75,554,000 | 4,754 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7391% | 3,593 |
| Cost of funding earning assets | 1.7039% | 5,581 |
| Net interest margin | 4.0352% | 2,508 |
| Noninterest income to average assets | 0.3291% | 5,813 |
| Noninterest expense to average assets | 2.0449% | 7,240 |
| Loan and lease loss provision to assets | 0.0525% | 6,302 |
| Net operating income to assets | 1.8593% | 473 |
| Return on assets (ROA) | 1.8593% | 526 |
| Pretax return on assets | 1.8803% | 839 |
| Return on Equity (ROE) | 14.4929% | 1,072 |
| Retained earnings to average equity (ytd only) | 8.3791% | 1,671 |
| Net charge-offs to loans | 0.0106% | 5,484 |
| Credit loss provision to net charge-offs | 750.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 276.0000% | 149 |
| Efficiency ratio | 48.2394% | 7,716 |
| Assets per employee ($millions) | 4.6063% | 2,559 |
| Cash dividends to net income (ytd only)* | 42.1846% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6230% | 7,621 |
| Loan loss allowance to noncurrent loans | 271.5116% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.1981% | 6,939 |
| Noncurrent loans to loans | 0.2294% | 6,875 |
| Net loans and leases to total assets | 67.3864% | 4,273 |
| Net loans and leases to deposits | 81.5753% | 4,354 |
| Net loans and leases to core deposits | 93.3231% | 5,228 |
| Total domestic deposits to total assets | 82.6064% | 4,332 |
| Equity capital to assets | 13.4009% | 1,572 |
| Core capital (leverage) ratio | 10.0618% | 3,335 |
| Tier 1 risk-based capital ratio | 15.0886% | 3,021 |
| Total risk-based capital ratio | 15.7234% | 3,246 |
| Memoranda: | ||
| Average total assets | $114,236,500 | 4,794 |
| Average earning assets | $103,291,500 | 4,824 |
| Average equity | $14,655,500 | 4,198 |
| Average total loans | $75,807,000 | 4,770 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9527% | 5,799 |
| Cost of funding earning assets | 2.2557% | 5,348 |
| Net interest margin | 3.6969% | 4,484 |
| Noninterest income to average assets | 0.3646% | 5,800 |
| Noninterest expense to average assets | 2.0380% | 7,374 |
| Loan and lease loss provision to assets | 0.0267% | 7,064 |
| Net operating income to assets | 1.6067% | 826 |
| Return on assets (ROA) | 1.6067% | 789 |
| Pretax return on assets | 1.6254% | 1,325 |
| Return on Equity (ROE) | 13.3474% | 1,250 |
| Retained earnings to average equity (ytd only) | 9.4030% | 536 |
| Net charge-offs to loans | 0.1206% | 5,041 |
| Credit loss provision to net charge-offs | 34.0909% | 6,496 |
| Earnings coverage of net charge-offs (x) | 21.1136% | 1,546 |
| Efficiency ratio | 51.7108% | 7,522 |
| Assets per employee ($millions) | 5.1270% | 1,800 |
| Cash dividends to net income (ytd only)* | 29.5517% | 4,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5923% | 7,692 |
| Loan loss allowance to noncurrent loans | 140.9938% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.3138% | 6,354 |
| Noncurrent loans to loans | 0.4201% | 6,083 |
| Net loans and leases to total assets | 64.6161% | 5,148 |
| Net loans and leases to deposits | 76.2471% | 5,561 |
| Net loans and leases to core deposits | 87.6048% | 6,009 |
| Total domestic deposits to total assets | 84.7457% | 2,955 |
| Equity capital to assets | 12.2930% | 2,116 |
| Core capital (leverage) ratio | 9.6889% | 3,781 |
| Tier 1 risk-based capital ratio | 14.2571% | 3,422 |
| Total risk-based capital ratio | 14.8590% | 3,659 |
| Memoranda: | ||
| Average total assets | $112,463,200 | 4,709 |
| Average earning assets | $101,164,600 | 4,771 |
| Average equity | $13,538,200 | 4,441 |
| Average total loans | $72,957,800 | 4,774 |