Home > Hamlin National Bank > Performance and Condition Ratios
Hamlin National Bank, Performance and Condition Ratios
| 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 | 3.2729% | 5,143 |
| Cost of funding earning assets | 0.3016% | 4,025 |
| Net interest margin | 2.9712% | 4,958 |
| Noninterest income to average assets | 0.5533% | 2,643 |
| Noninterest expense to average assets | 2.7339% | 3,018 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5672% | 4,297 |
| Return on assets (ROA) | 0.6370% | 4,033 |
| Pretax return on assets | 0.6370% | 4,637 |
| Return on Equity (ROE) | 3.7271% | 4,873 |
| Retained earnings to average equity (ytd only) | -1.7139% | 5,146 |
| Net charge-offs to loans | 0.5241% | 346 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.6522% | 2,565 |
| Efficiency ratio | 82.8169% | 1,085 |
| Assets per employee ($millions) | 3.6719% | 4,553 |
| Cash dividends to net income (ytd only)* | 145.9854% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6994% | 5,311 |
| Loan loss allowance to noncurrent loans | 19.9836% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 1.3798% | 1,214 |
| Noncurrent loans to loans | 3.4999% | 349 |
| Net loans and leases to total assets | 39.1496% | 5,284 |
| Net loans and leases to deposits | 47.4443% | 5,246 |
| Net loans and leases to core deposits | 50.1723% | 5,217 |
| Total domestic deposits to total assets | 82.5171% | 4,005 |
| Equity capital to assets | 16.7011% | 409 |
| Core capital (leverage) ratio | 17.0389% | 360 |
| Tier 1 risk-based capital ratio | 31.5979% | 430 |
| Total risk-based capital ratio | 32.1192% | 449 |
| Memoranda: | ||
| Average total assets | $86,031,000 | 4,602 |
| Average earning assets | $79,563,000 | 4,586 |
| Average equity | $14,703,000 | 3,817 |
| Average total loans | $35,110,000 | 4,996 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3912% | 5,001 |
| Cost of funding earning assets | 0.2951% | 4,122 |
| Net interest margin | 3.0961% | 4,733 |
| Noninterest income to average assets | 0.8329% | 1,638 |
| Noninterest expense to average assets | 3.0070% | 2,330 |
| Loan and lease loss provision to assets | 0.7410% | 157 |
| Net operating income to assets | -0.0579% | 5,669 |
| Return on assets (ROA) | 0.5311% | 4,598 |
| Pretax return on assets | 0.5311% | 4,963 |
| Return on Equity (ROE) | 3.0201% | 5,156 |
| Retained earnings to average equity (ytd only) | -0.2710% | 5,347 |
| Net charge-offs to loans | 2.1746% | 65 |
| Credit loss provision to net charge-offs | 87.1829% | 2,851 |
| Earnings coverage of net charge-offs (x) | 0.8037% | 4,074 |
| Efficiency ratio | 81.4883% | 1,262 |
| Assets per employee ($millions) | 3.2283% | 5,121 |
| Cash dividends to net income (ytd only)* | 108.9744% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8146% | 5,069 |
| Loan loss allowance to noncurrent loans | 21.9105% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 1.5714% | 1,031 |
| Noncurrent loans to loans | 3.7180% | 305 |
| Net loans and leases to total assets | 41.9212% | 5,236 |
| Net loans and leases to deposits | 51.3177% | 5,156 |
| Net loans and leases to core deposits | 54.7615% | 5,111 |
| Total domestic deposits to total assets | 81.6896% | 4,153 |
| Equity capital to assets | 17.4990% | 337 |
| Core capital (leverage) ratio | 17.3964% | 326 |
| Tier 1 risk-based capital ratio | 31.7917% | 417 |
| Total risk-based capital ratio | 32.4128% | 429 |
| Memoranda: | ||
| Average total assets | $88,126,800 | 4,579 |
| Average earning assets | $81,327,200 | 4,559 |
| Average equity | $15,496,200 | 3,755 |
| Average total loans | $34,442,400 | 5,056 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4265% | 4,964 |
| Cost of funding earning assets | 0.2930% | 4,179 |
| Net interest margin | 3.1335% | 4,689 |
| Noninterest income to average assets | 0.6952% | 2,191 |
| Noninterest expense to average assets | 2.9634% | 2,421 |
| Loan and lease loss provision to assets | 0.9479% | 108 |
| Net operating income to assets | -0.3215% | 5,830 |
| Return on assets (ROA) | 0.4545% | 4,941 |
| Pretax return on assets | 0.4545% | 5,220 |
| Return on Equity (ROE) | 2.5819% | 5,334 |
| Retained earnings to average equity (ytd only) | -0.0510% | 5,361 |
| Net charge-offs to loans | 0.1560% | 1,444 |
| Credit loss provision to net charge-offs | 1,585.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 10.4753% | 2,569 |
| Efficiency ratio | 82.5489% | 1,124 |
| Assets per employee ($millions) | 3.2030% | 5,176 |
| Cash dividends to net income (ytd only)* | 101.9737% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8859% | 215 |
| Loan loss allowance to noncurrent loans | 42.0713% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 2.8272% | 437 |
| Noncurrent loans to loans | 6.8595% | 88 |
| Net loans and leases to total assets | 38.0946% | 5,462 |
| Net loans and leases to deposits | 46.7153% | 5,427 |
| Net loans and leases to core deposits | 49.7598% | 5,394 |
| Total domestic deposits to total assets | 81.5464% | 4,094 |
| Equity capital to assets | 17.5505% | 386 |
| Core capital (leverage) ratio | 16.6883% | 389 |
| Tier 1 risk-based capital ratio | 31.2392% | 436 |
| Total risk-based capital ratio | 32.4987% | 434 |
| Memoranda: | ||
| Average total assets | $89,174,500 | 4,599 |
| Average earning assets | $82,376,750 | 4,576 |
| Average equity | $15,698,250 | 3,759 |
| Average total loans | $34,184,000 | 5,109 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4898% | 4,892 |
| Cost of funding earning assets | 0.2916% | 4,232 |
| Net interest margin | 3.1982% | 4,544 |
| Noninterest income to average assets | 0.7661% | 1,859 |
| Noninterest expense to average assets | 2.8244% | 2,944 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8882% | 2,920 |
| Return on assets (ROA) | 1.7231% | 584 |
| Pretax return on assets | 1.7231% | 1,038 |
| Return on Equity (ROE) | 9.7784% | 2,146 |
| Retained earnings to average equity (ytd only) | 7.7623% | 1,265 |
| Net charge-offs to loans | 0.1401% | 1,484 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,917 |
| Efficiency ratio | 76.0766% | 2,067 |
| Assets per employee ($millions) | 3.2927% | 5,076 |
| Cash dividends to net income (ytd only)* | 20.6186% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 4,164 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 0.7435% | 2,749 |
| Noncurrent loans to loans | 1.5909% | 1,351 |
| Net loans and leases to total assets | 37.9852% | 5,515 |
| Net loans and leases to deposits | 46.8845% | 5,467 |
| Net loans and leases to core deposits | 49.8745% | 5,438 |
| Total domestic deposits to total assets | 81.0186% | 4,270 |
| Equity capital to assets | 18.1040% | 332 |
| Core capital (leverage) ratio | 18.2981% | 272 |
| Tier 1 risk-based capital ratio | 32.7676% | 392 |
| Total risk-based capital ratio | 33.5078% | 401 |
| Memoranda: | ||
| Average total assets | $90,072,000 | 4,615 |
| Average earning assets | $82,985,330 | 4,606 |
| Average equity | $15,871,670 | 3,754 |
| Average total loans | $34,270,670 | 5,165 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5430% | 4,776 |
| Cost of funding earning assets | 0.2877% | 4,299 |
| Net interest margin | 3.2553% | 4,380 |
| Noninterest income to average assets | 0.5295% | 2,937 |
| Noninterest expense to average assets | 2.6871% | 3,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8383% | 3,040 |
| Return on assets (ROA) | 1.6634% | 656 |
| Pretax return on assets | 1.6634% | 1,145 |
| Return on Equity (ROE) | 9.5685% | 2,172 |
| Retained earnings to average equity (ytd only) | 9.5685% | 961 |
| Net charge-offs to loans | -0.1165% | 5,695 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2203% | 2,150 |
| Assets per employee ($millions) | 3.3392% | 5,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 3,721 |
| Loan loss allowance to noncurrent loans | 74.8106% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 0.5856% | 3,306 |
| Noncurrent loans to loans | 1.5483% | 1,510 |
| Net loans and leases to total assets | 37.3873% | 5,582 |
| Net loans and leases to deposits | 45.9431% | 5,505 |
| Net loans and leases to core deposits | 48.6358% | 5,490 |
| Total domestic deposits to total assets | 81.3773% | 4,385 |
| Equity capital to assets | 17.7575% | 349 |
| Core capital (leverage) ratio | 17.7403% | 311 |
| Tier 1 risk-based capital ratio | 32.6742% | 404 |
| Total risk-based capital ratio | 33.4819% | 414 |
| Memoranda: | ||
| Average total assets | $90,656,500 | 4,643 |
| Average earning assets | $83,432,000 | 4,634 |
| Average equity | $15,760,000 | 3,769 |
| Average total loans | $34,340,000 | 5,203 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5921% | 4,700 |
| Cost of funding earning assets | 0.3020% | 4,224 |
| Net interest margin | 3.2901% | 4,328 |
| Noninterest income to average assets | 0.5451% | 3,042 |
| Noninterest expense to average assets | 2.7694% | 3,353 |
| Loan and lease loss provision to assets | 0.0963% | 2,384 |
| Net operating income to assets | 0.6999% | 3,809 |
| Return on assets (ROA) | 0.8443% | 3,206 |
| Pretax return on assets | 0.8443% | 4,045 |
| Return on Equity (ROE) | 4.9577% | 4,528 |
| Retained earnings to average equity (ytd only) | -4.8717% | 5,913 |
| Net charge-offs to loans | 0.3022% | 998 |
| Credit loss provision to net charge-offs | 88.4615% | 2,786 |
| Earnings coverage of net charge-offs (x) | 7.3173% | 3,094 |
| Efficiency ratio | 77.6702% | 2,017 |
| Assets per employee ($millions) | 3.2555% | 5,216 |
| Cash dividends to net income (ytd only)* | 198.2652% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 3,958 |
| Loan loss allowance to noncurrent loans | 81.0924% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 0.5222% | 3,552 |
| Noncurrent loans to loans | 1.3766% | 1,704 |
| Net loans and leases to total assets | 37.5091% | 5,643 |
| Net loans and leases to deposits | 45.8983% | 5,572 |
| Net loans and leases to core deposits | 48.4285% | 5,550 |
| Total domestic deposits to total assets | 81.7221% | 4,251 |
| Equity capital to assets | 17.0152% | 411 |
| Core capital (leverage) ratio | 16.2839% | 434 |
| Tier 1 risk-based capital ratio | 23.4534% | 962 |
| Total risk-based capital ratio | 24.0637% | 1,023 |
| Memoranda: | ||
| Average total assets | $95,578,800 | 4,548 |
| Average earning assets | $87,748,400 | 4,543 |
| Average equity | $16,277,600 | 3,633 |
| Average total loans | $34,419,600 | 5,208 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4941% | 4,994 |
| Cost of funding earning assets | 0.3049% | 4,278 |
| Net interest margin | 3.1892% | 4,706 |
| Noninterest income to average assets | 0.5337% | 3,144 |
| Noninterest expense to average assets | 2.6381% | 3,753 |
| Loan and lease loss provision to assets | 0.0993% | 2,195 |
| Net operating income to assets | 0.7240% | 3,797 |
| Return on assets (ROA) | 0.9143% | 2,979 |
| Pretax return on assets | 0.9143% | 3,937 |
| Return on Equity (ROE) | 5.3674% | 4,459 |
| Retained earnings to average equity (ytd only) | -2.7282% | 5,916 |
| Net charge-offs to loans | 0.3917% | 658 |
| Credit loss provision to net charge-offs | 71.2871% | 2,744 |
| Earnings coverage of net charge-offs (x) | 5.9110% | 3,133 |
| Efficiency ratio | 76.2151% | 2,211 |
| Assets per employee ($millions) | 3.2084% | 5,271 |
| Cash dividends to net income (ytd only)* | 150.8292% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0869% | 4,302 |
| Loan loss allowance to noncurrent loans | 75.1527% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 0.5707% | 3,582 |
| Noncurrent loans to loans | 1.4462% | 1,735 |
| Net loans and leases to total assets | 36.0922% | 5,778 |
| Net loans and leases to deposits | 44.1439% | 5,716 |
| Net loans and leases to core deposits | 46.9659% | 5,697 |
| Total domestic deposits to total assets | 81.7604% | 4,239 |
| Equity capital to assets | 17.3583% | 396 |
| Core capital (leverage) ratio | 16.3221% | 449 |
| Tier 1 risk-based capital ratio | 31.1730% | 465 |
| Total risk-based capital ratio | 31.9253% | 483 |
| Memoranda: | ||
| Average total assets | $96,685,000 | 4,572 |
| Average earning assets | $88,756,000 | 4,581 |
| Average equity | $16,469,500 | 3,629 |
| Average total loans | $34,380,250 | 5,268 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4455% | 5,122 |
| Cost of funding earning assets | 0.3102% | 4,277 |
| Net interest margin | 3.1353% | 4,866 |
| Noninterest income to average assets | 0.5087% | 3,320 |
| Noninterest expense to average assets | 2.6333% | 3,805 |
| Loan and lease loss provision to assets | 0.1471% | 1,459 |
| Net operating income to assets | 0.5986% | 4,350 |
| Return on assets (ROA) | 0.7212% | 3,903 |
| Pretax return on assets | 0.7212% | 4,594 |
| Return on Equity (ROE) | 4.2593% | 4,921 |
| Retained earnings to average equity (ytd only) | 4.2593% | 3,315 |
| Net charge-offs to loans | 0.6778% | 337 |
| Credit loss provision to net charge-offs | 61.5385% | 2,576 |
| Earnings coverage of net charge-offs (x) | 3.1197% | 3,241 |
| Efficiency ratio | 77.9323% | 2,085 |
| Assets per employee ($millions) | 3.0974% | 5,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0532% | 4,590 |
| Loan loss allowance to noncurrent loans | 26.3868% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 1.3893% | 1,808 |
| Noncurrent loans to loans | 3.9915% | 391 |
| Net loans and leases to total assets | 34.4404% | 5,887 |
| Net loans and leases to deposits | 41.9657% | 5,837 |
| Net loans and leases to core deposits | 44.1815% | 5,831 |
| Total domestic deposits to total assets | 82.0679% | 4,279 |
| Equity capital to assets | 17.0749% | 410 |
| Core capital (leverage) ratio | 16.5406% | 409 |
| Tier 1 risk-based capital ratio | 32.6489% | 437 |
| Total risk-based capital ratio | 33.3681% | 450 |
| Memoranda: | ||
| Average total assets | $97,898,330 | 4,596 |
| Average earning assets | $89,624,000 | 4,606 |
| Average equity | $16,575,670 | 3,627 |
| Average total loans | $34,523,330 | 5,311 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4621% | 5,058 |
| Cost of funding earning assets | 0.3083% | 4,346 |
| Net interest margin | 3.1538% | 4,773 |
| Noninterest income to average assets | 0.4978% | 3,299 |
| Noninterest expense to average assets | 2.6710% | 3,693 |
| Loan and lease loss provision to assets | 0.0890% | 2,207 |
| Net operating income to assets | 0.6354% | 4,113 |
| Return on assets (ROA) | 0.8782% | 2,978 |
| Pretax return on assets | 0.8782% | 3,974 |
| Return on Equity (ROE) | 5.2082% | 4,430 |
| Retained earnings to average equity (ytd only) | 5.2082% | 2,945 |
| Net charge-offs to loans | 0.8439% | 282 |
| Credit loss provision to net charge-offs | 29.7297% | 2,281 |
| Earnings coverage of net charge-offs (x) | 2.4189% | 2,763 |
| Efficiency ratio | 78.6651% | 2,093 |
| Assets per employee ($millions) | 3.1428% | 5,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0168% | 4,934 |
| Loan loss allowance to noncurrent loans | 23.2371% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 1.5203% | 1,712 |
| Noncurrent loans to loans | 4.3757% | 364 |
| Net loans and leases to total assets | 33.4918% | 5,940 |
| Net loans and leases to deposits | 40.6721% | 5,891 |
| Net loans and leases to core deposits | 42.1459% | 5,904 |
| Total domestic deposits to total assets | 82.3458% | 4,400 |
| Equity capital to assets | 16.8349% | 452 |
| Core capital (leverage) ratio | 15.9907% | 467 |
| Tier 1 risk-based capital ratio | 29.8833% | 544 |
| Total risk-based capital ratio | 30.5358% | 568 |
| Memoranda: | ||
| Average total assets | $98,838,500 | 4,605 |
| Average earning assets | $90,811,500 | 4,621 |
| Average equity | $16,666,000 | 3,634 |
| Average total loans | $35,074,500 | 5,327 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8349% | 4,373 |
| Cost of funding earning assets | 0.3189% | 4,594 |
| Net interest margin | 3.5160% | 3,733 |
| Noninterest income to average assets | 0.6498% | 2,548 |
| Noninterest expense to average assets | 2.8868% | 3,186 |
| Loan and lease loss provision to assets | 0.1433% | 1,854 |
| Net operating income to assets | 0.8238% | 3,261 |
| Return on assets (ROA) | 1.0029% | 2,448 |
| Pretax return on assets | 1.0029% | 3,484 |
| Return on Equity (ROE) | 6.2176% | 4,040 |
| Retained earnings to average equity (ytd only) | 3.1722% | 3,979 |
| Net charge-offs to loans | 1.3439% | 189 |
| Credit loss provision to net charge-offs | 28.6299% | 3,853 |
| Earnings coverage of net charge-offs (x) | 1.9325% | 4,302 |
| Efficiency ratio | 74.9071% | 2,675 |
| Assets per employee ($millions) | 3.0346% | 5,650 |
| Cash dividends to net income (ytd only)* | 48.9796% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 4,530 |
| Loan loss allowance to noncurrent loans | 27.9298% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 1.5087% | 1,804 |
| Noncurrent loans to loans | 3.9452% | 478 |
| Net loans and leases to total assets | 36.7866% | 5,909 |
| Net loans and leases to deposits | 44.7381% | 5,854 |
| Net loans and leases to core deposits | 46.4187% | 5,871 |
| Total domestic deposits to total assets | 82.2266% | 4,338 |
| Equity capital to assets | 16.8898% | 433 |
| Core capital (leverage) ratio | 15.9894% | 468 |
| Tier 1 risk-based capital ratio | 30.8269% | 481 |
| Total risk-based capital ratio | 31.6120% | 490 |
| Memoranda: | ||
| Average total assets | $97,721,200 | 4,656 |
| Average earning assets | $89,050,600 | 4,676 |
| Average equity | $15,761,800 | 3,713 |
| Average total loans | $36,386,200 | 5,316 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8231% | 4,458 |
| Cost of funding earning assets | 0.3217% | 4,653 |
| Net interest margin | 3.5014% | 3,824 |
| Noninterest income to average assets | 0.6784% | 2,432 |
| Noninterest expense to average assets | 2.7054% | 3,806 |
| Loan and lease loss provision to assets | 0.1907% | 1,269 |
| Net operating income to assets | 0.9699% | 2,595 |
| Return on assets (ROA) | 1.1620% | 1,883 |
| Pretax return on assets | 1.1620% | 2,939 |
| Return on Equity (ROE) | 7.2895% | 3,560 |
| Retained earnings to average equity (ytd only) | 5.7512% | 2,570 |
| Net charge-offs to loans | 1.6679% | 130 |
| Credit loss provision to net charge-offs | 30.7018% | 3,444 |
| Earnings coverage of net charge-offs (x) | 1.8684% | 4,058 |
| Efficiency ratio | 69.9789% | 3,509 |
| Assets per employee ($millions) | 3.0653% | 5,657 |
| Cash dividends to net income (ytd only)* | 21.1017% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 4,201 |
| Loan loss allowance to noncurrent loans | 23.3099% | 5,880 |
| Noncurrent assets plus other real estate owned to assets | 2.0063% | 1,426 |
| Noncurrent loans to loans | 5.1632% | 337 |
| Net loans and leases to total assets | 36.0689% | 6,027 |
| Net loans and leases to deposits | 43.7211% | 5,984 |
| Net loans and leases to core deposits | 45.3444% | 5,984 |
| Total domestic deposits to total assets | 82.4977% | 4,299 |
| Equity capital to assets | 16.6266% | 477 |
| Core capital (leverage) ratio | 16.1491% | 457 |
| Tier 1 risk-based capital ratio | 31.2327% | 469 |
| Total risk-based capital ratio | 32.0847% | 481 |
| Memoranda: | ||
| Average total assets | $97,875,000 | 4,699 |
| Average earning assets | $89,104,500 | 4,726 |
| Average equity | $15,602,000 | 3,749 |
| Average total loans | $36,452,750 | 5,365 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8181% | 4,454 |
| Cost of funding earning assets | 0.3244% | 4,709 |
| Net interest margin | 3.4937% | 3,809 |
| Noninterest income to average assets | 0.7423% | 2,081 |
| Noninterest expense to average assets | 2.7341% | 3,747 |
| Loan and lease loss provision to assets | 0.2863% | 700 |
| Net operating income to assets | 0.8936% | 2,847 |
| Return on assets (ROA) | 1.1820% | 1,721 |
| Pretax return on assets | 1.1820% | 2,753 |
| Return on Equity (ROE) | 7.5229% | 3,358 |
| Retained earnings to average equity (ytd only) | 5.1802% | 2,846 |
| Net charge-offs to loans | 0.7636% | 500 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 4.1214% | 3,169 |
| Efficiency ratio | 69.8537% | 3,679 |
| Assets per employee ($millions) | 3.1823% | 5,457 |
| Cash dividends to net income (ytd only)* | 31.1419% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0825% | 1,218 |
| Loan loss allowance to noncurrent loans | 28.3169% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 2.7947% | 935 |
| Noncurrent loans to loans | 7.3541% | 159 |
| Net loans and leases to total assets | 35.6047% | 6,068 |
| Net loans and leases to deposits | 42.9531% | 6,031 |
| Net loans and leases to core deposits | 44.5301% | 6,046 |
| Total domestic deposits to total assets | 82.8920% | 4,351 |
| Equity capital to assets | 16.2190% | 514 |
| Core capital (leverage) ratio | 15.8648% | 496 |
| Tier 1 risk-based capital ratio | 30.6026% | 498 |
| Total risk-based capital ratio | 31.8563% | 493 |
| Memoranda: | ||
| Average total assets | $97,803,330 | 4,736 |
| Average earning assets | $88,788,330 | 4,763 |
| Average equity | $15,366,330 | 3,791 |
| Average total loans | $36,666,670 | 5,393 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1686% | 2,995 |
| Cost of funding earning assets | 0.3280% | 4,759 |
| Net interest margin | 3.8406% | 2,301 |
| Noninterest income to average assets | 0.8790% | 1,456 |
| Noninterest expense to average assets | 2.8260% | 3,465 |
| Loan and lease loss provision to assets | 0.1027% | 2,211 |
| Net operating income to assets | 1.4130% | 965 |
| Return on assets (ROA) | 1.9429% | 390 |
| Pretax return on assets | 1.9429% | 598 |
| Return on Equity (ROE) | 12.5718% | 1,269 |
| Retained earnings to average equity (ytd only) | 12.5718% | 537 |
| Net charge-offs to loans | 0.1727% | 1,682 |
| Credit loss provision to net charge-offs | 156.2500% | 1,223 |
| Earnings coverage of net charge-offs (x) | 23.0625% | 1,224 |
| Efficiency ratio | 65.0899% | 4,674 |
| Assets per employee ($millions) | 3.1940% | 5,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1060% | 1,315 |
| Loan loss allowance to noncurrent loans | 40.3631% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 2.0119% | 1,692 |
| Noncurrent loans to loans | 5.2177% | 408 |
| Net loans and leases to total assets | 35.4913% | 6,096 |
| Net loans and leases to deposits | 42.4998% | 6,052 |
| Net loans and leases to core deposits | 44.2426% | 6,067 |
| Total domestic deposits to total assets | 83.5092% | 4,448 |
| Equity capital to assets | 15.6171% | 584 |
| Core capital (leverage) ratio | 15.9546% | 485 |
| Tier 1 risk-based capital ratio | 30.6690% | 497 |
| Total risk-based capital ratio | 31.9212% | 491 |
| Memoranda: | ||
| Average total assets | $97,380,000 | 4,788 |
| Average earning assets | $87,799,000 | 4,830 |
| Average equity | $15,049,500 | 3,854 |
| Average total loans | $37,064,500 | 5,419 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5725% | 1,952 |
| Cost of funding earning assets | 0.3798% | 4,837 |
| Net interest margin | 4.1927% | 1,372 |
| Noninterest income to average assets | 0.8081% | 2,048 |
| Noninterest expense to average assets | 3.1038% | 2,721 |
| Loan and lease loss provision to assets | 0.2893% | 1,181 |
| Net operating income to assets | 1.1900% | 1,613 |
| Return on assets (ROA) | 1.1511% | 1,822 |
| Pretax return on assets | 1.1511% | 2,767 |
| Return on Equity (ROE) | 7.1678% | 3,480 |
| Retained earnings to average equity (ytd only) | 3.8919% | 3,432 |
| Net charge-offs to loans | 0.7771% | 810 |
| Credit loss provision to net charge-offs | 90.1639% | 2,751 |
| Earnings coverage of net charge-offs (x) | 4.6098% | 3,514 |
| Efficiency ratio | 67.7227% | 4,254 |
| Assets per employee ($millions) | 2.9921% | 5,846 |
| Cash dividends to net income (ytd only)* | 45.7038% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9512% | 1,670 |
| Loan loss allowance to noncurrent loans | 43.6513% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 1.9092% | 1,892 |
| Noncurrent loans to loans | 4.4701% | 592 |
| Net loans and leases to total assets | 39.1511% | 6,023 |
| Net loans and leases to deposits | 47.4470% | 5,931 |
| Net loans and leases to core deposits | 50.3499% | 5,909 |
| Total domestic deposits to total assets | 82.5154% | 4,706 |
| Equity capital to assets | 15.2861% | 625 |
| Core capital (leverage) ratio | 15.8790% | 483 |
| Tier 1 risk-based capital ratio | 29.1920% | 541 |
| Total risk-based capital ratio | 30.4444% | 533 |
| Memoranda: | ||
| Average total assets | $95,043,600 | 4,866 |
| Average earning assets | $85,577,400 | 4,894 |
| Average equity | $15,262,600 | 3,818 |
| Average total loans | $39,248,000 | 5,380 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6327% | 1,792 |
| Cost of funding earning assets | 0.3675% | 5,123 |
| Net interest margin | 4.2652% | 1,172 |
| Noninterest income to average assets | 0.8025% | 2,133 |
| Noninterest expense to average assets | 2.8868% | 3,355 |
| Loan and lease loss provision to assets | 0.1054% | 2,998 |
| Net operating income to assets | 1.6598% | 669 |
| Return on assets (ROA) | 1.6401% | 739 |
| Pretax return on assets | 1.6401% | 1,245 |
| Return on Equity (ROE) | 10.0910% | 2,144 |
| Retained earnings to average equity (ytd only) | 8.3616% | 1,264 |
| Net charge-offs to loans | 0.2835% | 2,122 |
| Credit loss provision to net charge-offs | 89.2857% | 2,652 |
| Earnings coverage of net charge-offs (x) | 14.9520% | 1,902 |
| Efficiency ratio | 62.0544% | 5,131 |
| Assets per employee ($millions) | 3.0029% | 5,846 |
| Cash dividends to net income (ytd only)* | 17.1380% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9755% | 1,782 |
| Loan loss allowance to noncurrent loans | 35.8042% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 2.3560% | 1,666 |
| Noncurrent loans to loans | 5.5174% | 496 |
| Net loans and leases to total assets | 39.6580% | 6,052 |
| Net loans and leases to deposits | 47.8408% | 5,971 |
| Net loans and leases to core deposits | 50.7470% | 5,969 |
| Total domestic deposits to total assets | 82.8959% | 4,621 |
| Equity capital to assets | 16.1509% | 526 |
| Core capital (leverage) ratio | 16.2969% | 454 |
| Tier 1 risk-based capital ratio | 27.1852% | 687 |
| Total risk-based capital ratio | 28.4356% | 674 |
| Memoranda: | ||
| Average total assets | $94,867,750 | 4,910 |
| Average earning assets | $85,621,750 | 4,938 |
| Average equity | $15,419,250 | 3,844 |
| Average total loans | $39,502,000 | 5,418 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9575% | 984 |
| Cost of funding earning assets | 0.3759% | 5,178 |
| Net interest margin | 4.5816% | 615 |
| Noninterest income to average assets | 0.6691% | 2,801 |
| Noninterest expense to average assets | 2.8097% | 3,642 |
| Loan and lease loss provision to assets | 0.1588% | 2,337 |
| Net operating income to assets | 1.8040% | 514 |
| Return on assets (ROA) | 1.6663% | 728 |
| Pretax return on assets | 1.6663% | 1,195 |
| Return on Equity (ROE) | 10.2303% | 2,115 |
| Retained earnings to average equity (ytd only) | 10.2303% | 798 |
| Net charge-offs to loans | 0.5087% | 1,292 |
| Credit loss provision to net charge-offs | 74.2574% | 2,737 |
| Earnings coverage of net charge-offs (x) | 9.1782% | 2,313 |
| Efficiency ratio | 58.8731% | 5,617 |
| Assets per employee ($millions) | 2.9486% | 5,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0356% | 1,778 |
| Loan loss allowance to noncurrent loans | 51.0190% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 3.0607% | 1,324 |
| Noncurrent loans to loans | 3.9899% | 976 |
| Net loans and leases to total assets | 38.3039% | 6,161 |
| Net loans and leases to deposits | 45.9459% | 6,109 |
| Net loans and leases to core deposits | 49.0980% | 6,074 |
| Total domestic deposits to total assets | 83.3672% | 4,563 |
| Equity capital to assets | 15.6620% | 589 |
| Core capital (leverage) ratio | 16.4471% | 420 |
| Tier 1 risk-based capital ratio | 29.7557% | 535 |
| Total risk-based capital ratio | 31.0084% | 528 |
| Memoranda: | ||
| Average total assets | $94,459,000 | 4,953 |
| Average earning assets | $84,599,330 | 4,996 |
| Average equity | $15,385,670 | 3,871 |
| Average total loans | $39,710,330 | 5,434 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3669% | 2,632 |
| Cost of funding earning assets | 0.3734% | 5,337 |
| Net interest margin | 3.9936% | 1,816 |
| Noninterest income to average assets | 0.6137% | 3,061 |
| Noninterest expense to average assets | 3.2885% | 2,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9015% | 2,649 |
| Return on assets (ROA) | 0.8507% | 3,040 |
| Pretax return on assets | 0.8507% | 3,948 |
| Return on Equity (ROE) | 5.1244% | 4,500 |
| Retained earnings to average equity (ytd only) | 5.1244% | 3,155 |
| Net charge-offs to loans | 0.1556% | 2,464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 13.3125% | 1,537 |
| Efficiency ratio | 78.4848% | 2,538 |
| Assets per employee ($millions) | 2.9488% | 6,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8689% | 2,391 |
| Loan loss allowance to noncurrent loans | 39.0657% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 3.5650% | 1,184 |
| Noncurrent loans to loans | 4.7839% | 824 |
| Net loans and leases to total assets | 42.3460% | 5,821 |
| Net loans and leases to deposits | 51.4207% | 5,673 |
| Net loans and leases to core deposits | 54.9900% | 5,603 |
| Total domestic deposits to total assets | 82.3522% | 5,075 |
| Equity capital to assets | 16.6792% | 468 |
| Core capital (leverage) ratio | 15.7366% | 486 |
| Tier 1 risk-based capital ratio | 27.0690% | 700 |
| Total risk-based capital ratio | 28.3200% | 685 |
| Memoranda: | ||
| Average total assets | $94,510,500 | 4,990 |
| Average earning assets | $84,636,000 | 5,023 |
| Average equity | $15,689,500 | 3,876 |
| Average total loans | $41,119,000 | 5,410 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6015% | 2,997 |
| Cost of funding earning assets | 0.4016% | 5,909 |
| Net interest margin | 4.1999% | 1,663 |
| Noninterest income to average assets | 0.6681% | 2,887 |
| Noninterest expense to average assets | 5.0913% | 355 |
| Loan and lease loss provision to assets | -1.5513% | 7,077 |
| Net operating income to assets | 0.8056% | 3,260 |
| Return on assets (ROA) | 0.9215% | 2,942 |
| Pretax return on assets | 0.9215% | 3,853 |
| Return on Equity (ROE) | 5.6784% | 4,326 |
| Retained earnings to average equity (ytd only) | 2.2370% | 4,666 |
| Net charge-offs to loans | -0.7337% | 7,019 |
| Credit loss provision to net charge-offs | 462.9630% | 523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.1585% | 234 |
| Assets per employee ($millions) | 2.9581% | 6,074 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8715% | 2,380 |
| Loan loss allowance to noncurrent loans | 39.4416% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 4.0800% | 1,038 |
| Noncurrent loans to loans | 4.7449% | 869 |
| Net loans and leases to total assets | 43.0402% | 5,898 |
| Net loans and leases to deposits | 52.2066% | 5,788 |
| Net loans and leases to core deposits | 55.8058% | 5,726 |
| Total domestic deposits to total assets | 82.4421% | 4,948 |
| Equity capital to assets | 16.5226% | 475 |
| Core capital (leverage) ratio | 15.4001% | 519 |
| Tier 1 risk-based capital ratio | 26.3383% | 741 |
| Total risk-based capital ratio | 27.5905% | 733 |
| Memoranda: | ||
| Average total assets | $96,694,200 | 4,919 |
| Average earning assets | $84,668,000 | 4,995 |
| Average equity | $15,691,000 | 3,829 |
| Average total loans | $44,161,200 | 5,324 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6243% | 3,114 |
| Cost of funding earning assets | 0.4135% | 6,039 |
| Net interest margin | 4.2108% | 1,703 |
| Noninterest income to average assets | 0.6927% | 2,744 |
| Noninterest expense to average assets | 3.2563% | 2,404 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1097% | 2,051 |
| Return on assets (ROA) | 1.1522% | 2,093 |
| Pretax return on assets | 1.1522% | 3,152 |
| Return on Equity (ROE) | 7.1319% | 3,736 |
| Retained earnings to average equity (ytd only) | 6.2828% | 2,499 |
| Net charge-offs to loans | -0.6396% | 7,106 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5837% | 2,893 |
| Assets per employee ($millions) | 2.7425% | 6,441 |
| Cash dividends to net income (ytd only)* | 11.9048% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5996% | 193 |
| Loan loss allowance to noncurrent loans | 91.9813% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 6.2174% | 625 |
| Noncurrent loans to loans | 5.0005% | 903 |
| Net loans and leases to total assets | 46.8460% | 5,675 |
| Net loans and leases to deposits | 57.3054% | 5,505 |
| Net loans and leases to core deposits | 61.2387% | 5,431 |
| Total domestic deposits to total assets | 81.7479% | 5,103 |
| Equity capital to assets | 17.1301% | 440 |
| Core capital (leverage) ratio | 15.6789% | 515 |
| Tier 1 risk-based capital ratio | 24.6890% | 936 |
| Total risk-based capital ratio | 25.9678% | 927 |
| Memoranda: | ||
| Average total assets | $97,203,250 | 4,954 |
| Average earning assets | $84,795,500 | 5,048 |
| Average equity | $15,703,750 | 3,861 |
| Average total loans | $44,822,000 | 5,352 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6830% | 2,994 |
| Cost of funding earning assets | 0.4356% | 6,066 |
| Net interest margin | 4.2474% | 1,613 |
| Noninterest income to average assets | 0.5942% | 3,288 |
| Noninterest expense to average assets | 3.0510% | 3,078 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2192% | 1,649 |
| Return on assets (ROA) | 1.2827% | 1,644 |
| Pretax return on assets | 1.2827% | 2,620 |
| Return on Equity (ROE) | 8.0997% | 3,214 |
| Retained earnings to average equity (ytd only) | 6.8058% | 2,212 |
| Net charge-offs to loans | 0.0182% | 5,160 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 148.7500% | 301 |
| Efficiency ratio | 71.4491% | 3,527 |
| Assets per employee ($millions) | 2.8095% | 6,387 |
| Cash dividends to net income (ytd only)* | 15.9744% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2759% | 283 |
| Loan loss allowance to noncurrent loans | 82.3057% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 6.2318% | 674 |
| Noncurrent loans to loans | 5.1951% | 926 |
| Net loans and leases to total assets | 44.3712% | 5,983 |
| Net loans and leases to deposits | 53.6818% | 5,903 |
| Net loans and leases to core deposits | 57.2125% | 5,847 |
| Total domestic deposits to total assets | 82.6560% | 4,887 |
| Equity capital to assets | 16.1368% | 552 |
| Core capital (leverage) ratio | 14.8596% | 622 |
| Tier 1 risk-based capital ratio | 24.6601% | 934 |
| Total risk-based capital ratio | 25.9343% | 919 |
| Memoranda: | ||
| Average total assets | $97,608,000 | 4,967 |
| Average earning assets | $84,475,000 | 5,090 |
| Average equity | $15,457,330 | 3,900 |
| Average total loans | $44,051,000 | 5,427 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6344% | 3,344 |
| Cost of funding earning assets | 0.4554% | 6,116 |
| Net interest margin | 4.1790% | 1,818 |
| Noninterest income to average assets | 0.6376% | 3,007 |
| Noninterest expense to average assets | 3.0233% | 3,171 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2381% | 1,637 |
| Return on assets (ROA) | 1.3245% | 1,552 |
| Pretax return on assets | 1.3245% | 2,442 |
| Return on Equity (ROE) | 8.4448% | 3,086 |
| Retained earnings to average equity (ytd only) | 8.4448% | 1,802 |
| Net charge-offs to loans | 0.3974% | 2,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,126 |
| Efficiency ratio | 70.9459% | 3,630 |
| Assets per employee ($millions) | 2.9711% | 6,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1694% | 323 |
| Loan loss allowance to noncurrent loans | 63.6667% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 7.6923% | 516 |
| Noncurrent loans to loans | 6.5488% | 726 |
| Net loans and leases to total assets | 44.7749% | 5,920 |
| Net loans and leases to deposits | 53.8412% | 5,824 |
| Net loans and leases to core deposits | 57.3661% | 5,772 |
| Total domestic deposits to total assets | 83.1610% | 4,859 |
| Equity capital to assets | 15.6784% | 625 |
| Core capital (leverage) ratio | 15.0307% | 595 |
| Tier 1 risk-based capital ratio | 24.0085% | 1,002 |
| Total risk-based capital ratio | 25.2814% | 988 |
| Memoranda: | ||
| Average total assets | $97,245,000 | 5,012 |
| Average earning assets | $84,325,500 | 5,129 |
| Average equity | $15,252,000 | 3,945 |
| Average total loans | $43,286,000 | 5,494 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8687% | 3,504 |
| Cost of funding earning assets | 0.5804% | 6,186 |
| Net interest margin | 4.2883% | 1,738 |
| Noninterest income to average assets | 0.7750% | 2,198 |
| Noninterest expense to average assets | 3.5532% | 1,854 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9803% | 2,283 |
| Return on assets (ROA) | 1.0479% | 2,154 |
| Pretax return on assets | 1.0479% | 3,041 |
| Return on Equity (ROE) | 6.5298% | 3,626 |
| Retained earnings to average equity (ytd only) | 2.2446% | 4,613 |
| Net charge-offs to loans | 0.8390% | 2,067 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 2.3085% | 4,064 |
| Efficiency ratio | 78.3771% | 2,544 |
| Assets per employee ($millions) | 2.9225% | 6,242 |
| Cash dividends to net income (ytd only)* | 65.6250% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7912% | 199 |
| Loan loss allowance to noncurrent loans | 65.7133% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 7.6106% | 562 |
| Noncurrent loans to loans | 7.2911% | 599 |
| Net loans and leases to total assets | 40.2399% | 6,535 |
| Net loans and leases to deposits | 48.4036% | 6,471 |
| Net loans and leases to core deposits | 51.4899% | 6,454 |
| Total domestic deposits to total assets | 83.1343% | 4,692 |
| Equity capital to assets | 15.6899% | 633 |
| Core capital (leverage) ratio | 14.7864% | 652 |
| Tier 1 risk-based capital ratio | 25.2569% | 847 |
| Total risk-based capital ratio | 26.5337% | 822 |
| Memoranda: | ||
| Average total assets | $91,607,600 | 5,144 |
| Average earning assets | $80,289,000 | 5,220 |
| Average equity | $14,701,800 | 3,969 |
| Average total loans | $46,367,200 | 5,407 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0598% | 2,806 |
| Cost of funding earning assets | 0.6113% | 6,237 |
| Net interest margin | 4.4485% | 1,281 |
| Noninterest income to average assets | 0.8333% | 1,912 |
| Noninterest expense to average assets | 3.3569% | 2,324 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3835% | 1,194 |
| Return on assets (ROA) | 1.4749% | 1,079 |
| Pretax return on assets | 1.4749% | 1,722 |
| Return on Equity (ROE) | 9.1358% | 2,540 |
| Retained earnings to average equity (ytd only) | 6.3493% | 2,329 |
| Net charge-offs to loans | 0.9574% | 1,680 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 2.7347% | 3,761 |
| Efficiency ratio | 70.8152% | 3,783 |
| Assets per employee ($millions) | 2.6903% | 6,660 |
| Cash dividends to net income (ytd only)* | 30.5003% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3881% | 287 |
| Loan loss allowance to noncurrent loans | 35.9403% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 6.8414% | 738 |
| Noncurrent loans to loans | 12.2094% | 226 |
| Net loans and leases to total assets | 44.9722% | 6,246 |
| Net loans and leases to deposits | 54.3323% | 6,186 |
| Net loans and leases to core deposits | 57.7926% | 6,145 |
| Total domestic deposits to total assets | 82.7725% | 4,769 |
| Equity capital to assets | 15.9761% | 629 |
| Core capital (leverage) ratio | 15.9346% | 511 |
| Tier 1 risk-based capital ratio | 25.3145% | 883 |
| Total risk-based capital ratio | 26.5917% | 872 |
| Memoranda: | ||
| Average total assets | $90,398,500 | 5,214 |
| Average earning assets | $79,395,750 | 5,288 |
| Average equity | $14,594,250 | 4,004 |
| Average total loans | $47,768,500 | 5,394 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1439% | 2,492 |
| Cost of funding earning assets | 0.6210% | 6,359 |
| Net interest margin | 4.5229% | 1,079 |
| Noninterest income to average assets | 0.9519% | 1,460 |
| Noninterest expense to average assets | 3.2409% | 2,762 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6726% | 633 |
| Return on assets (ROA) | 1.7949% | 544 |
| Pretax return on assets | 1.7949% | 891 |
| Return on Equity (ROE) | 11.0759% | 1,771 |
| Retained earnings to average equity (ytd only) | 8.9083% | 1,143 |
| Net charge-offs to loans | 0.8329% | 1,840 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 3.6535% | 3,094 |
| Efficiency ratio | 65.9594% | 4,882 |
| Assets per employee ($millions) | 2.4377% | 6,983 |
| Cash dividends to net income (ytd only)* | 19.5707% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3887% | 306 |
| Loan loss allowance to noncurrent loans | 37.5570% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 8.7104% | 492 |
| Noncurrent loans to loans | 11.6853% | 275 |
| Net loans and leases to total assets | 53.1262% | 5,411 |
| Net loans and leases to deposits | 65.2869% | 5,101 |
| Net loans and leases to core deposits | 69.3408% | 5,145 |
| Total domestic deposits to total assets | 81.3736% | 5,392 |
| Equity capital to assets | 17.0004% | 482 |
| Core capital (leverage) ratio | 16.3029% | 472 |
| Tier 1 risk-based capital ratio | 24.5935% | 944 |
| Total risk-based capital ratio | 25.8732% | 921 |
| Memoranda: | ||
| Average total assets | $88,247,670 | 5,305 |
| Average earning assets | $77,295,670 | 5,387 |
| Average equity | $14,301,330 | 4,062 |
| Average total loans | $48,506,330 | 5,419 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9035% | 3,575 |
| Cost of funding earning assets | 0.6162% | 6,540 |
| Net interest margin | 4.2873% | 1,598 |
| Noninterest income to average assets | 1.1933% | 904 |
| Noninterest expense to average assets | 3.0827% | 3,325 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8533% | 445 |
| Return on assets (ROA) | 1.9301% | 406 |
| Pretax return on assets | 1.9301% | 635 |
| Return on Equity (ROE) | 12.2065% | 1,406 |
| Retained earnings to average equity (ytd only) | 12.2065% | 708 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4542% | 5,605 |
| Assets per employee ($millions) | 2.6391% | 6,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8720% | 222 |
| Loan loss allowance to noncurrent loans | 35.3509% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 9.9824% | 418 |
| Noncurrent loans to loans | 13.7817% | 192 |
| Net loans and leases to total assets | 50.9640% | 5,716 |
| Net loans and leases to deposits | 61.6535% | 5,552 |
| Net loans and leases to core deposits | 65.7489% | 5,538 |
| Total domestic deposits to total assets | 82.6620% | 5,041 |
| Equity capital to assets | 15.8869% | 595 |
| Core capital (leverage) ratio | 16.2199% | 463 |
| Tier 1 risk-based capital ratio | 24.4332% | 931 |
| Total risk-based capital ratio | 25.7165% | 910 |
| Memoranda: | ||
| Average total assets | $88,493,000 | 5,339 |
| Average earning assets | $77,251,500 | 5,436 |
| Average equity | $13,992,500 | 4,112 |
| Average total loans | $48,378,500 | 5,467 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7470% | 1,412 |
| Cost of funding earning assets | 0.6312% | 7,059 |
| Net interest margin | 5.1157% | 342 |
| Noninterest income to average assets | 0.8925% | 1,878 |
| Noninterest expense to average assets | 3.6875% | 1,730 |
| Loan and lease loss provision to assets | 0.6184% | 2,663 |
| Net operating income to assets | 1.1168% | 1,653 |
| Return on assets (ROA) | 1.2659% | 1,319 |
| Pretax return on assets | 1.2659% | 2,027 |
| Return on Equity (ROE) | 7.3407% | 2,954 |
| Retained earnings to average equity (ytd only) | -0.0070% | 5,589 |
| Net charge-offs to loans | 0.6696% | 3,002 |
| Credit loss provision to net charge-offs | 146.5517% | 2,509 |
| Earnings coverage of net charge-offs (x) | 4.1121% | 3,059 |
| Efficiency ratio | 68.0009% | 4,565 |
| Assets per employee ($millions) | 2.5664% | 6,911 |
| Cash dividends to net income (ytd only)* | 100.0958% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8104% | 216 |
| Loan loss allowance to noncurrent loans | 36.7430% | 5,859 |
| Noncurrent assets plus other real estate owned to assets | 9.5464% | 448 |
| Noncurrent loans to loans | 13.0921% | 233 |
| Net loans and leases to total assets | 53.1115% | 5,765 |
| Net loans and leases to deposits | 64.1830% | 5,608 |
| Net loans and leases to core deposits | 68.5593% | 5,604 |
| Total domestic deposits to total assets | 82.7500% | 4,910 |
| Equity capital to assets | 15.7349% | 632 |
| Core capital (leverage) ratio | 16.6119% | 435 |
| Tier 1 risk-based capital ratio | 24.4162% | 897 |
| Total risk-based capital ratio | 25.7010% | 878 |
| Memoranda: | ||
| Average total assets | $82,468,000 | 5,510 |
| Average earning assets | $73,030,000 | 5,568 |
| Average equity | $14,222,000 | 4,099 |
| Average total loans | $51,974,800 | 5,402 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0442% | 856 |
| Cost of funding earning assets | 0.6379% | 7,208 |
| Net interest margin | 5.4064% | 205 |
| Noninterest income to average assets | 0.9450% | 1,631 |
| Noninterest expense to average assets | 3.3779% | 2,362 |
| Loan and lease loss provision to assets | 0.6267% | 2,427 |
| Net operating income to assets | 1.7653% | 550 |
| Return on assets (ROA) | 1.9670% | 383 |
| Pretax return on assets | 1.9670% | 665 |
| Return on Equity (ROE) | 11.1442% | 1,740 |
| Retained earnings to average equity (ytd only) | 2.8255% | 4,448 |
| Net charge-offs to loans | 0.3334% | 3,990 |
| Credit loss provision to net charge-offs | 289.3939% | 1,112 |
| Earnings coverage of net charge-offs (x) | 11.0452% | 1,822 |
| Efficiency ratio | 58.5442% | 6,181 |
| Assets per employee ($millions) | 2.4170% | 7,177 |
| Cash dividends to net income (ytd only)* | 74.6452% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7556% | 208 |
| Loan loss allowance to noncurrent loans | 34.2688% | 6,042 |
| Noncurrent assets plus other real estate owned to assets | 8.9804% | 510 |
| Noncurrent loans to loans | 13.8773% | 192 |
| Net loans and leases to total assets | 59.2219% | 5,062 |
| Net loans and leases to deposits | 73.4268% | 4,608 |
| Net loans and leases to core deposits | 78.3351% | 4,769 |
| Total domestic deposits to total assets | 80.6544% | 5,497 |
| Equity capital to assets | 17.7101% | 441 |
| Core capital (leverage) ratio | 17.4360% | 391 |
| Tier 1 risk-based capital ratio | 24.3662% | 908 |
| Total risk-based capital ratio | 25.6518% | 887 |
| Memoranda: | ||
| Average total assets | $81,270,500 | 5,624 |
| Average earning assets | $72,530,250 | 5,650 |
| Average equity | $14,345,000 | 4,125 |
| Average total loans | $52,797,000 | 5,451 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1376% | 701 |
| Cost of funding earning assets | 0.6484% | 7,297 |
| Net interest margin | 5.4892% | 175 |
| Noninterest income to average assets | 0.7855% | 2,204 |
| Noninterest expense to average assets | 3.4681% | 2,102 |
| Loan and lease loss provision to assets | 0.6299% | 2,273 |
| Net operating income to assets | 1.5809% | 760 |
| Return on assets (ROA) | 1.8847% | 456 |
| Pretax return on assets | 1.8847% | 762 |
| Return on Equity (ROE) | 10.6898% | 1,863 |
| Retained earnings to average equity (ytd only) | 0.3923% | 5,608 |
| Net charge-offs to loans | 0.2361% | 4,189 |
| Credit loss provision to net charge-offs | 404.7619% | 898 |
| Earnings coverage of net charge-offs (x) | 14.2063% | 1,539 |
| Efficiency ratio | 61.0700% | 5,838 |
| Assets per employee ($millions) | 2.3353% | 7,318 |
| Cash dividends to net income (ytd only)* | 96.3303% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4981% | 255 |
| Loan loss allowance to noncurrent loans | 109.4645% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 3.0036% | 2,372 |
| Noncurrent loans to loans | 4.1092% | 1,827 |
| Net loans and leases to total assets | 61.5900% | 4,763 |
| Net loans and leases to deposits | 75.7129% | 4,379 |
| Net loans and leases to core deposits | 78.8139% | 4,834 |
| Total domestic deposits to total assets | 81.3468% | 5,273 |
| Equity capital to assets | 17.2144% | 500 |
| Core capital (leverage) ratio | 16.9220% | 452 |
| Tier 1 risk-based capital ratio | 24.2396% | 917 |
| Total risk-based capital ratio | 25.5247% | 892 |
| Memoranda: | ||
| Average total assets | $80,967,670 | 5,670 |
| Average earning assets | $72,178,330 | 5,701 |
| Average equity | $14,275,330 | 4,143 |
| Average total loans | $53,363,330 | 5,453 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2461% | 582 |
| Cost of funding earning assets | 0.6484% | 7,443 |
| Net interest margin | 5.5977% | 154 |
| Noninterest income to average assets | 0.8091% | 1,975 |
| Noninterest expense to average assets | 3.3207% | 2,463 |
| Loan and lease loss provision to assets | 0.6205% | 2,048 |
| Net operating income to assets | 1.8813% | 420 |
| Return on assets (ROA) | 1.8813% | 458 |
| Pretax return on assets | 1.8813% | 759 |
| Return on Equity (ROE) | 10.5439% | 1,926 |
| Retained earnings to average equity (ytd only) | 10.5439% | 1,024 |
| Net charge-offs to loans | 0.5662% | 2,386 |
| Credit loss provision to net charge-offs | 164.4737% | 2,207 |
| Earnings coverage of net charge-offs (x) | 6.6316% | 2,192 |
| Efficiency ratio | 57.0332% | 6,625 |
| Assets per employee ($millions) | 2.3560% | 7,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2827% | 294 |
| Loan loss allowance to noncurrent loans | 110.7853% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 2.9874% | 2,406 |
| Noncurrent loans to loans | 3.8657% | 2,047 |
| Net loans and leases to total assets | 62.1917% | 4,722 |
| Net loans and leases to deposits | 77.2648% | 4,172 |
| Net loans and leases to core deposits | 80.5257% | 4,702 |
| Total domestic deposits to total assets | 80.4916% | 5,617 |
| Equity capital to assets | 18.2201% | 402 |
| Core capital (leverage) ratio | 17.7349% | 383 |
| Tier 1 risk-based capital ratio | 24.9987% | 866 |
| Total risk-based capital ratio | 26.2808% | 837 |
| Memoranda: | ||
| Average total assets | $80,584,500 | 5,750 |
| Average earning assets | $72,172,500 | 5,770 |
| Average equity | $14,378,000 | 4,149 |
| Average total loans | $53,689,500 | 5,506 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2060% | 1,224 |
| Cost of funding earning assets | 0.7607% | 7,609 |
| Net interest margin | 5.4454% | 197 |
| Noninterest income to average assets | 0.8561% | 2,155 |
| Noninterest expense to average assets | 3.3999% | 2,681 |
| Loan and lease loss provision to assets | 1.7976% | 1,258 |
| Net operating income to assets | 0.5649% | 3,467 |
| Return on assets (ROA) | 0.9649% | 2,015 |
| Pretax return on assets | 0.9649% | 2,715 |
| Return on Equity (ROE) | 5.7480% | 3,312 |
| Retained earnings to average equity (ytd only) | 2.6824% | 3,272 |
| Net charge-offs to loans | 1.7054% | 1,479 |
| Credit loss provision to net charge-offs | 167.9781% | 2,562 |
| Earnings coverage of net charge-offs (x) | 2.2077% | 4,068 |
| Efficiency ratio | 59.0014% | 6,616 |
| Assets per employee ($millions) | 2.3843% | 7,374 |
| Cash dividends to net income (ytd only)* | 53.3333% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9399% | 377 |
| Loan loss allowance to noncurrent loans | 100.1838% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 3.1678% | 2,187 |
| Noncurrent loans to loans | 3.9326% | 1,892 |
| Net loans and leases to total assets | 65.5671% | 4,263 |
| Net loans and leases to deposits | 80.8113% | 3,837 |
| Net loans and leases to core deposits | 90.8100% | 5,043 |
| Total domestic deposits to total assets | 81.1361% | 5,301 |
| Equity capital to assets | 17.4687% | 507 |
| Core capital (leverage) ratio | 17.0959% | 481 |
| Tier 1 risk-based capital ratio | 23.6006% | 984 |
| Total risk-based capital ratio | 24.8816% | 963 |
| Memoranda: | ||
| Average total assets | $85,502,000 | 5,543 |
| Average earning assets | $77,038,200 | 5,558 |
| Average equity | $14,352,800 | 4,177 |
| Average total loans | $53,654,600 | 5,521 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2042% | 1,370 |
| Cost of funding earning assets | 0.8020% | 7,691 |
| Net interest margin | 5.4022% | 212 |
| Noninterest income to average assets | 0.8174% | 2,347 |
| Noninterest expense to average assets | 3.2405% | 3,154 |
| Loan and lease loss provision to assets | 1.1130% | 1,753 |
| Net operating income to assets | 1.3377% | 1,147 |
| Return on assets (ROA) | 1.7087% | 582 |
| Pretax return on assets | 1.7087% | 956 |
| Return on Equity (ROE) | 10.2770% | 1,825 |
| Retained earnings to average equity (ytd only) | 7.5920% | 1,272 |
| Net charge-offs to loans | 1.0319% | 1,911 |
| Credit loss provision to net charge-offs | 175.4854% | 2,631 |
| Earnings coverage of net charge-offs (x) | 3.8641% | 3,359 |
| Efficiency ratio | 56.9381% | 6,882 |
| Assets per employee ($millions) | 2.2611% | 7,540 |
| Cash dividends to net income (ytd only)* | 26.1264% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3548% | 479 |
| Loan loss allowance to noncurrent loans | 123.5294% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 2.4472% | 2,812 |
| Noncurrent loans to loans | 2.7158% | 2,786 |
| Net loans and leases to total assets | 66.1466% | 4,397 |
| Net loans and leases to deposits | 82.3675% | 3,942 |
| Net loans and leases to core deposits | 93.1088% | 5,120 |
| Total domestic deposits to total assets | 80.3066% | 5,330 |
| Equity capital to assets | 18.3100% | 484 |
| Core capital (leverage) ratio | 17.6694% | 483 |
| Tier 1 risk-based capital ratio | 23.8340% | 1,014 |
| Total risk-based capital ratio | 25.1068% | 990 |
| Memoranda: | ||
| Average total assets | $86,611,250 | 5,532 |
| Average earning assets | $78,139,250 | 5,554 |
| Average equity | $14,400,750 | 4,211 |
| Average total loans | $53,235,250 | 5,582 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1956% | 1,472 |
| Cost of funding earning assets | 0.8428% | 7,767 |
| Net interest margin | 5.3528% | 227 |
| Noninterest income to average assets | 0.7923% | 2,449 |
| Noninterest expense to average assets | 3.3209% | 2,881 |
| Loan and lease loss provision to assets | 0.9779% | 1,725 |
| Net operating income to assets | 1.3243% | 1,180 |
| Return on assets (ROA) | 1.6118% | 731 |
| Pretax return on assets | 1.6118% | 1,181 |
| Return on Equity (ROE) | 10.0049% | 2,022 |
| Retained earnings to average equity (ytd only) | 7.3351% | 1,453 |
| Net charge-offs to loans | 1.5722% | 1,202 |
| Credit loss provision to net charge-offs | 104.8544% | 4,385 |
| Earnings coverage of net charge-offs (x) | 2.4684% | 3,830 |
| Efficiency ratio | 59.0580% | 6,684 |
| Assets per employee ($millions) | 2.3891% | 7,443 |
| Cash dividends to net income (ytd only)* | 26.6854% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1043% | 519 |
| Loan loss allowance to noncurrent loans | 181.1711% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 1.9574% | 3,254 |
| Noncurrent loans to loans | 1.7135% | 3,938 |
| Net loans and leases to total assets | 60.6357% | 5,577 |
| Net loans and leases to deposits | 74.9833% | 5,324 |
| Net loans and leases to core deposits | 85.1824% | 5,994 |
| Total domestic deposits to total assets | 80.8657% | 5,124 |
| Equity capital to assets | 17.6534% | 586 |
| Core capital (leverage) ratio | 16.1865% | 722 |
| Tier 1 risk-based capital ratio | 24.2933% | 1,001 |
| Total risk-based capital ratio | 25.5608% | 982 |
| Memoranda: | ||
| Average total assets | $88,349,000 | 5,521 |
| Average earning assets | $79,733,670 | 5,541 |
| Average equity | $14,233,000 | 4,257 |
| Average total loans | $52,410,000 | 5,660 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2539% | 1,431 |
| Cost of funding earning assets | 0.8927% | 7,823 |
| Net interest margin | 5.3611% | 217 |
| Noninterest income to average assets | 0.7486% | 2,608 |
| Noninterest expense to average assets | 3.0857% | 3,430 |
| Loan and lease loss provision to assets | 0.7442% | 1,730 |
| Net operating income to assets | 1.7800% | 551 |
| Return on assets (ROA) | 1.8105% | 576 |
| Pretax return on assets | 1.8105% | 960 |
| Return on Equity (ROE) | 11.7353% | 1,749 |
| Retained earnings to average equity (ytd only) | 11.7353% | 841 |
| Net charge-offs to loans | 0.8421% | 1,547 |
| Credit loss provision to net charge-offs | 152.6786% | 2,733 |
| Earnings coverage of net charge-offs (x) | 5.1786% | 2,731 |
| Efficiency ratio | 55.0039% | 7,102 |
| Assets per employee ($millions) | 2.5278% | 7,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1011% | 449 |
| Loan loss allowance to noncurrent loans | 167.7386% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 1.5747% | 3,568 |
| Noncurrent loans to loans | 1.8488% | 3,494 |
| Net loans and leases to total assets | 55.5214% | 6,304 |
| Net loans and leases to deposits | 67.0057% | 6,275 |
| Net loans and leases to core deposits | 74.4965% | 6,776 |
| Total domestic deposits to total assets | 82.8606% | 4,212 |
| Equity capital to assets | 15.9020% | 886 |
| Core capital (leverage) ratio | 14.9202% | 990 |
| Tier 1 risk-based capital ratio | 23.1502% | 1,174 |
| Total risk-based capital ratio | 24.4173% | 1,149 |
| Memoranda: | ||
| Average total assets | $91,908,000 | 5,424 |
| Average earning assets | $83,340,500 | 5,449 |
| Average equity | $14,179,500 | 4,298 |
| Average total loans | $53,198,500 | 5,665 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5216% | 2,852 |
| Cost of funding earning assets | 1.7396% | 7,162 |
| Net interest margin | 4.7820% | 804 |
| Noninterest income to average assets | 0.6996% | 3,125 |
| Noninterest expense to average assets | 2.8859% | 4,498 |
| Loan and lease loss provision to assets | 1.0171% | 1,445 |
| Net operating income to assets | 1.1067% | 2,121 |
| Return on assets (ROA) | 1.1920% | 1,728 |
| Pretax return on assets | 1.1920% | 2,671 |
| Return on Equity (ROE) | 8.3288% | 2,929 |
| Retained earnings to average equity (ytd only) | 1.7822% | 4,131 |
| Net charge-offs to loans | 1.4723% | 788 |
| Credit loss provision to net charge-offs | 123.3586% | 4,352 |
| Earnings coverage of net charge-offs (x) | 2.5758% | 4,797 |
| Efficiency ratio | 57.6060% | 6,764 |
| Assets per employee ($millions) | 2.3799% | 7,435 |
| Cash dividends to net income (ytd only)* | 78.6026% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8716% | 483 |
| Loan loss allowance to noncurrent loans | 229.7935% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 1.2358% | 3,748 |
| Noncurrent loans to loans | 1.2497% | 4,014 |
| Net loans and leases to total assets | 56.7764% | 6,351 |
| Net loans and leases to deposits | 67.9208% | 6,470 |
| Net loans and leases to core deposits | 82.3481% | 6,428 |
| Total domestic deposits to total assets | 83.5921% | 3,537 |
| Equity capital to assets | 14.9631% | 1,169 |
| Core capital (leverage) ratio | 14.4044% | 1,163 |
| Tier 1 risk-based capital ratio | 21.5594% | 1,381 |
| Total risk-based capital ratio | 22.8255% | 1,341 |
| Memoranda: | ||
| Average total assets | $96,054,600 | 5,169 |
| Average earning assets | $86,574,000 | 5,200 |
| Average equity | $13,747,400 | 4,393 |
| Average total loans | $53,792,200 | 5,536 |