Home > Lawson Bank > Performance and Condition Ratios
Lawson Bank, Performance and Condition Ratios
| 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 | 3.4687% | 4,923 |
| Cost of funding earning assets | 0.1532% | 5,249 |
| Net interest margin | 3.3155% | 4,147 |
| Noninterest income to average assets | 0.5955% | 2,280 |
| Noninterest expense to average assets | 2.6517% | 3,189 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0067% | 2,831 |
| Return on assets (ROA) | 0.5001% | 4,699 |
| Pretax return on assets | 0.4277% | 4,989 |
| Return on Equity (ROE) | 4.8172% | 4,546 |
| Retained earnings to average equity (ytd only) | 4.8172% | 3,253 |
| Net charge-offs to loans | 0.0354% | 1,814 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 56.8000% | 871 |
| Efficiency ratio | 73.9450% | 1,904 |
| Assets per employee ($millions) | 4.0008% | 3,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6822% | 989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 3,229 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 44.2495% | 4,884 |
| Net loans and leases to deposits | 49.3201% | 4,987 |
| Net loans and leases to core deposits | 49.5486% | 5,054 |
| Total domestic deposits to total assets | 89.7189% | 776 |
| Equity capital to assets | 10.2593% | 3,325 |
| Core capital (leverage) ratio | 10.5084% | 2,932 |
| Tier 1 risk-based capital ratio | 18.4621% | 1,706 |
| Total risk-based capital ratio | 19.7130% | 1,665 |
| Memoranda: | ||
| Average total assets | $121,582,000 | 3,875 |
| Average earning assets | $109,667,500 | 3,919 |
| Average equity | $12,621,500 | 4,027 |
| Average total loans | $56,501,000 | 4,292 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5378% | 4,720 |
| Cost of funding earning assets | 0.1619% | 5,198 |
| Net interest margin | 3.3760% | 3,921 |
| Noninterest income to average assets | 0.6112% | 2,398 |
| Noninterest expense to average assets | 2.8958% | 2,471 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7120% | 3,549 |
| Return on assets (ROA) | 0.3791% | 4,768 |
| Pretax return on assets | 0.3799% | 5,113 |
| Return on Equity (ROE) | 3.6736% | 4,616 |
| Retained earnings to average equity (ytd only) | 0.0320% | 4,996 |
| Net charge-offs to loans | -0.0201% | 4,959 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2472% | 1,082 |
| Assets per employee ($millions) | 3.8432% | 4,218 |
| Cash dividends to net income (ytd only)* | 99.1285% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6508% | 1,035 |
| Loan loss allowance to noncurrent loans | 279.2899% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.6765% | 2,287 |
| Noncurrent loans to loans | 0.5911% | 2,743 |
| Net loans and leases to total assets | 47.2041% | 4,816 |
| Net loans and leases to deposits | 52.7704% | 4,947 |
| Net loans and leases to core deposits | 53.5416% | 5,018 |
| Total domestic deposits to total assets | 89.4519% | 795 |
| Equity capital to assets | 10.5078% | 3,164 |
| Core capital (leverage) ratio | 10.2333% | 3,148 |
| Tier 1 risk-based capital ratio | 15.8563% | 2,490 |
| Total risk-based capital ratio | 17.0445% | 2,458 |
| Memoranda: | ||
| Average total assets | $121,073,400 | 3,877 |
| Average earning assets | $107,495,200 | 3,956 |
| Average equity | $12,494,600 | 4,058 |
| Average total loans | $54,720,800 | 4,339 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5080% | 4,797 |
| Cost of funding earning assets | 0.1635% | 5,232 |
| Net interest margin | 3.3445% | 4,033 |
| Noninterest income to average assets | 0.6055% | 2,447 |
| Noninterest expense to average assets | 2.8738% | 2,497 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6954% | 4,006 |
| Return on assets (ROA) | 0.6954% | 4,073 |
| Pretax return on assets | 0.6932% | 4,624 |
| Return on Equity (ROE) | 6.7687% | 3,779 |
| Retained earnings to average equity (ytd only) | 6.7687% | 1,811 |
| Net charge-offs to loans | -0.0148% | 4,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5658% | 1,040 |
| Assets per employee ($millions) | 4.0485% | 3,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6880% | 1,054 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3729% | 3,535 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 43.6216% | 5,049 |
| Net loans and leases to deposits | 48.7359% | 5,169 |
| Net loans and leases to core deposits | 49.4155% | 5,217 |
| Total domestic deposits to total assets | 89.5061% | 654 |
| Equity capital to assets | 10.4341% | 3,438 |
| Core capital (leverage) ratio | 10.7658% | 2,677 |
| Tier 1 risk-based capital ratio | 15.5894% | 2,676 |
| Total risk-based capital ratio | 16.6971% | 2,673 |
| Memoranda: | ||
| Average total assets | $121,556,750 | 3,910 |
| Average earning assets | $107,638,250 | 4,001 |
| Average equity | $12,488,500 | 4,100 |
| Average total loans | $54,105,250 | 4,394 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4460% | 4,887 |
| Cost of funding earning assets | 0.1643% | 5,248 |
| Net interest margin | 3.2818% | 4,163 |
| Noninterest income to average assets | 0.6005% | 2,454 |
| Noninterest expense to average assets | 2.9557% | 2,250 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5489% | 4,528 |
| Return on assets (ROA) | 0.5489% | 4,567 |
| Pretax return on assets | 0.5356% | 4,943 |
| Return on Equity (ROE) | 5.3718% | 4,325 |
| Retained earnings to average equity (ytd only) | 5.3718% | 2,480 |
| Net charge-offs to loans | -0.0187% | 4,760 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6594% | 789 |
| Assets per employee ($millions) | 3.8784% | 4,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7085% | 1,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5157% | 3,047 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 44.8852% | 4,999 |
| Net loans and leases to deposits | 50.2463% | 5,128 |
| Net loans and leases to core deposits | 50.9777% | 5,186 |
| Total domestic deposits to total assets | 89.3304% | 796 |
| Equity capital to assets | 10.6131% | 3,210 |
| Core capital (leverage) ratio | 10.7224% | 2,683 |
| Tier 1 risk-based capital ratio | 16.0719% | 2,470 |
| Total risk-based capital ratio | 17.2382% | 2,454 |
| Memoranda: | ||
| Average total assets | $120,241,670 | 3,956 |
| Average earning assets | $105,918,670 | 4,046 |
| Average equity | $12,286,330 | 4,144 |
| Average total loans | $53,578,330 | 4,434 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3971% | 4,926 |
| Cost of funding earning assets | 0.1645% | 5,272 |
| Net interest margin | 3.2326% | 4,236 |
| Noninterest income to average assets | 0.5954% | 2,442 |
| Noninterest expense to average assets | 3.0404% | 2,051 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4092% | 4,922 |
| Return on assets (ROA) | 0.4092% | 4,945 |
| Pretax return on assets | 0.3659% | 5,214 |
| Return on Equity (ROE) | 4.0832% | 4,755 |
| Retained earnings to average equity (ytd only) | 4.0832% | 3,416 |
| Net charge-offs to loans | -0.0151% | 4,599 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2578% | 593 |
| Assets per employee ($millions) | 3.5665% | 4,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7612% | 1,031 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6078% | 2,816 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 43.0564% | 5,098 |
| Net loans and leases to deposits | 47.9105% | 5,226 |
| Net loans and leases to core deposits | 48.7225% | 5,272 |
| Total domestic deposits to total assets | 89.8682% | 718 |
| Equity capital to assets | 10.0897% | 3,647 |
| Core capital (leverage) ratio | 10.5616% | 2,830 |
| Tier 1 risk-based capital ratio | 16.9226% | 2,206 |
| Total risk-based capital ratio | 18.1680% | 2,168 |
| Memoranda: | ||
| Average total assets | $120,248,000 | 3,993 |
| Average earning assets | $104,558,500 | 4,115 |
| Average equity | $12,049,500 | 4,206 |
| Average total loans | $52,916,000 | 4,486 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5105% | 4,754 |
| Cost of funding earning assets | 0.1723% | 5,269 |
| Net interest margin | 3.3382% | 4,034 |
| Noninterest income to average assets | 0.5212% | 3,092 |
| Noninterest expense to average assets | 2.9392% | 2,530 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5405% | 4,477 |
| Return on assets (ROA) | 0.5769% | 4,417 |
| Pretax return on assets | 0.5890% | 4,821 |
| Return on Equity (ROE) | 5.8061% | 4,074 |
| Retained earnings to average equity (ytd only) | 0.3086% | 5,194 |
| Net charge-offs to loans | -0.0191% | 5,112 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1923% | 992 |
| Assets per employee ($millions) | 3.6132% | 4,593 |
| Cash dividends to net income (ytd only)* | 94.6853% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7728% | 994 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6181% | 2,878 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 43.4029% | 5,153 |
| Net loans and leases to deposits | 48.2275% | 5,284 |
| Net loans and leases to core deposits | 50.3566% | 5,293 |
| Total domestic deposits to total assets | 89.9961% | 627 |
| Equity capital to assets | 9.9502% | 3,769 |
| Core capital (leverage) ratio | 9.9881% | 3,494 |
| Tier 1 risk-based capital ratio | 17.3125% | 2,058 |
| Total risk-based capital ratio | 18.5619% | 2,017 |
| Memoranda: | ||
| Average total assets | $123,945,000 | 3,928 |
| Average earning assets | $110,269,000 | 4,002 |
| Average equity | $12,314,600 | 4,206 |
| Average total loans | $52,397,200 | 4,512 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4952% | 4,815 |
| Cost of funding earning assets | 0.1693% | 5,352 |
| Net interest margin | 3.3259% | 4,111 |
| Noninterest income to average assets | 0.5157% | 3,147 |
| Noninterest expense to average assets | 2.8547% | 2,808 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6250% | 4,186 |
| Return on assets (ROA) | 0.7907% | 3,551 |
| Pretax return on assets | 0.8003% | 4,308 |
| Return on Equity (ROE) | 7.9608% | 3,028 |
| Retained earnings to average equity (ytd only) | 5.2786% | 2,645 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8515% | 1,211 |
| Assets per employee ($millions) | 3.7823% | 4,337 |
| Cash dividends to net income (ytd only)* | 33.6932% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7228% | 1,165 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5731% | 3,189 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 40.9434% | 5,337 |
| Net loans and leases to deposits | 45.6712% | 5,463 |
| Net loans and leases to core deposits | 48.6806% | 5,429 |
| Total domestic deposits to total assets | 89.6483% | 605 |
| Equity capital to assets | 10.2848% | 3,819 |
| Core capital (leverage) ratio | 10.2144% | 3,319 |
| Tier 1 risk-based capital ratio | 18.2118% | 1,859 |
| Total risk-based capital ratio | 19.4624% | 1,829 |
| Memoranda: | ||
| Average total assets | $125,122,750 | 3,930 |
| Average earning assets | $111,807,500 | 3,998 |
| Average equity | $12,427,250 | 4,219 |
| Average total loans | $52,325,250 | 4,544 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5192% | 4,813 |
| Cost of funding earning assets | 0.1697% | 5,414 |
| Net interest margin | 3.3495% | 4,058 |
| Noninterest income to average assets | 0.5130% | 3,107 |
| Noninterest expense to average assets | 2.8847% | 2,728 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6163% | 4,202 |
| Return on assets (ROA) | 0.6163% | 4,326 |
| Pretax return on assets | 0.6211% | 4,837 |
| Return on Equity (ROE) | 6.2824% | 3,912 |
| Retained earnings to average equity (ytd only) | 6.2824% | 1,965 |
| Net charge-offs to loans | -0.0154% | 4,847 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2826% | 1,239 |
| Assets per employee ($millions) | 3.6899% | 4,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7530% | 1,176 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5875% | 3,264 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 41.4571% | 5,359 |
| Net loans and leases to deposits | 46.2957% | 5,490 |
| Net loans and leases to core deposits | 49.4307% | 5,457 |
| Total domestic deposits to total assets | 89.5484% | 656 |
| Equity capital to assets | 10.3814% | 3,755 |
| Core capital (leverage) ratio | 10.2560% | 3,263 |
| Tier 1 risk-based capital ratio | 18.1357% | 1,894 |
| Total risk-based capital ratio | 19.3860% | 1,863 |
| Memoranda: | ||
| Average total assets | $123,964,670 | 3,978 |
| Average earning assets | $110,762,330 | 4,043 |
| Average equity | $12,161,000 | 4,292 |
| Average total loans | $51,908,670 | 4,590 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5764% | 4,686 |
| Cost of funding earning assets | 0.1815% | 5,362 |
| Net interest margin | 3.3948% | 3,890 |
| Noninterest income to average assets | 0.5064% | 3,070 |
| Noninterest expense to average assets | 3.0125% | 2,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5356% | 4,483 |
| Return on assets (ROA) | 0.5356% | 4,592 |
| Pretax return on assets | 0.5291% | 5,011 |
| Return on Equity (ROE) | 5.6268% | 4,161 |
| Retained earnings to average equity (ytd only) | 5.6268% | 2,565 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0596% | 1,057 |
| Assets per employee ($millions) | 3.7048% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8143% | 1,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5851% | 3,311 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 39.6558% | 5,465 |
| Net loans and leases to deposits | 43.8587% | 5,596 |
| Net loans and leases to core deposits | 47.2883% | 5,541 |
| Total domestic deposits to total assets | 90.4171% | 457 |
| Equity capital to assets | 9.5440% | 4,631 |
| Core capital (leverage) ratio | 10.2046% | 3,308 |
| Tier 1 risk-based capital ratio | 18.0476% | 1,969 |
| Total risk-based capital ratio | 19.2989% | 1,937 |
| Memoranda: | ||
| Average total assets | $123,219,500 | 4,022 |
| Average earning assets | $110,167,000 | 4,090 |
| Average equity | $11,729,500 | 4,377 |
| Average total loans | $51,394,000 | 4,634 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5787% | 4,730 |
| Cost of funding earning assets | 0.1793% | 5,463 |
| Net interest margin | 3.3994% | 3,917 |
| Noninterest income to average assets | 0.6234% | 2,599 |
| Noninterest expense to average assets | 2.8811% | 2,926 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7373% | 3,637 |
| Return on assets (ROA) | 0.7373% | 3,735 |
| Pretax return on assets | 0.7553% | 4,350 |
| Return on Equity (ROE) | 8.3207% | 2,792 |
| Retained earnings to average equity (ytd only) | 8.3207% | 819 |
| Net charge-offs to loans | -0.0539% | 5,577 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2296% | 1,788 |
| Assets per employee ($millions) | 3.5434% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7799% | 1,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6117% | 3,233 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 42.3233% | 5,390 |
| Net loans and leases to deposits | 46.7905% | 5,529 |
| Net loans and leases to core deposits | 50.6235% | 5,469 |
| Total domestic deposits to total assets | 90.4528% | 449 |
| Equity capital to assets | 9.4933% | 4,558 |
| Core capital (leverage) ratio | 10.1114% | 3,373 |
| Tier 1 risk-based capital ratio | 17.2888% | 2,188 |
| Total risk-based capital ratio | 18.5391% | 2,139 |
| Memoranda: | ||
| Average total assets | $122,072,200 | 4,034 |
| Average earning assets | $108,194,400 | 4,092 |
| Average equity | $10,816,400 | 4,520 |
| Average total loans | $50,128,600 | 4,665 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5221% | 4,931 |
| Cost of funding earning assets | 0.1845% | 5,507 |
| Net interest margin | 3.3376% | 4,188 |
| Noninterest income to average assets | 0.5411% | 3,097 |
| Noninterest expense to average assets | 2.8087% | 3,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6728% | 4,018 |
| Return on assets (ROA) | 0.6728% | 4,130 |
| Pretax return on assets | 0.6859% | 4,728 |
| Return on Equity (ROE) | 7.7287% | 3,217 |
| Retained earnings to average equity (ytd only) | 7.7287% | 1,364 |
| Net charge-offs to loans | -0.0564% | 5,582 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3738% | 1,607 |
| Assets per employee ($millions) | 3.7361% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8094% | 1,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1891% | 1,986 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 40.3630% | 5,572 |
| Net loans and leases to deposits | 44.3810% | 5,710 |
| Net loans and leases to core deposits | 48.0347% | 5,653 |
| Total domestic deposits to total assets | 90.9466% | 254 |
| Equity capital to assets | 8.9520% | 5,356 |
| Core capital (leverage) ratio | 9.8574% | 3,824 |
| Tier 1 risk-based capital ratio | 17.4089% | 2,212 |
| Total risk-based capital ratio | 18.6585% | 2,167 |
| Memoranda: | ||
| Average total assets | $122,471,500 | 4,075 |
| Average earning assets | $108,380,000 | 4,136 |
| Average equity | $10,661,250 | 4,594 |
| Average total loans | $49,682,500 | 4,728 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4983% | 4,984 |
| Cost of funding earning assets | 0.1835% | 5,585 |
| Net interest margin | 3.3148% | 4,244 |
| Noninterest income to average assets | 0.5221% | 3,211 |
| Noninterest expense to average assets | 2.8004% | 3,237 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6367% | 4,187 |
| Return on assets (ROA) | 0.6367% | 4,297 |
| Pretax return on assets | 0.6481% | 4,827 |
| Return on Equity (ROE) | 7.3842% | 3,384 |
| Retained earnings to average equity (ytd only) | 7.3842% | 1,529 |
| Net charge-offs to loans | -0.0567% | 5,589 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2055% | 1,594 |
| Assets per employee ($millions) | 3.5609% | 4,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7811% | 1,409 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1763% | 2,156 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 40.2630% | 5,613 |
| Net loans and leases to deposits | 44.0613% | 5,763 |
| Net loans and leases to core deposits | 47.6313% | 5,703 |
| Total domestic deposits to total assets | 91.3795% | 217 |
| Equity capital to assets | 8.5507% | 5,641 |
| Core capital (leverage) ratio | 9.6336% | 4,096 |
| Tier 1 risk-based capital ratio | 17.3223% | 2,276 |
| Total risk-based capital ratio | 18.5719% | 2,241 |
| Memoranda: | ||
| Average total assets | $122,198,330 | 4,113 |
| Average earning assets | $107,881,000 | 4,189 |
| Average equity | $10,536,000 | 4,643 |
| Average total loans | $49,349,670 | 4,774 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5144% | 4,917 |
| Cost of funding earning assets | 0.1873% | 5,625 |
| Net interest margin | 3.3270% | 4,100 |
| Noninterest income to average assets | 0.5323% | 3,074 |
| Noninterest expense to average assets | 2.7707% | 3,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6910% | 3,843 |
| Return on assets (ROA) | 0.6910% | 3,971 |
| Pretax return on assets | 0.6976% | 4,601 |
| Return on Equity (ROE) | 7.9805% | 2,968 |
| Retained earnings to average equity (ytd only) | 7.9805% | 1,579 |
| Net charge-offs to loans | -0.0330% | 5,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8856% | 1,910 |
| Assets per employee ($millions) | 3.7883% | 4,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8287% | 1,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1727% | 2,289 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 38.6472% | 5,683 |
| Net loans and leases to deposits | 42.2650% | 5,820 |
| Net loans and leases to core deposits | 45.6693% | 5,769 |
| Total domestic deposits to total assets | 91.4401% | 243 |
| Equity capital to assets | 8.5039% | 5,739 |
| Core capital (leverage) ratio | 9.8009% | 3,891 |
| Tier 1 risk-based capital ratio | 17.8985% | 2,173 |
| Total risk-based capital ratio | 19.1490% | 2,130 |
| Memoranda: | ||
| Average total assets | $120,981,000 | 4,171 |
| Average earning assets | $106,761,500 | 4,239 |
| Average equity | $10,475,500 | 4,696 |
| Average total loans | $48,479,000 | 4,831 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5827% | 5,127 |
| Cost of funding earning assets | 0.1997% | 5,748 |
| Net interest margin | 3.3830% | 4,262 |
| Noninterest income to average assets | 0.4256% | 4,002 |
| Noninterest expense to average assets | 2.8636% | 3,255 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5777% | 4,467 |
| Return on assets (ROA) | 0.5777% | 4,551 |
| Pretax return on assets | 0.5893% | 4,977 |
| Return on Equity (ROE) | 6.9179% | 3,681 |
| Retained earnings to average equity (ytd only) | 2.8767% | 4,187 |
| Net charge-offs to loans | -0.0288% | 5,783 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9321% | 1,536 |
| Assets per employee ($millions) | 3.3414% | 5,196 |
| Cash dividends to net income (ytd only)* | 58.4173% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8788% | 1,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3750% | 2,029 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 40.0576% | 5,740 |
| Net loans and leases to deposits | 43.9655% | 5,878 |
| Net loans and leases to core deposits | 47.7850% | 5,822 |
| Total domestic deposits to total assets | 91.1115% | 333 |
| Equity capital to assets | 8.8244% | 5,460 |
| Core capital (leverage) ratio | 9.6617% | 4,024 |
| Tier 1 risk-based capital ratio | 18.4078% | 2,012 |
| Total risk-based capital ratio | 19.6583% | 1,983 |
| Memoranda: | ||
| Average total assets | $120,303,600 | 4,173 |
| Average earning assets | $107,656,400 | 4,231 |
| Average equity | $10,046,400 | 4,743 |
| Average total loans | $48,588,400 | 4,867 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5483% | 5,279 |
| Cost of funding earning assets | 0.2016% | 5,812 |
| Net interest margin | 3.3467% | 4,439 |
| Noninterest income to average assets | 0.4336% | 3,996 |
| Noninterest expense to average assets | 2.8396% | 3,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5811% | 4,535 |
| Return on assets (ROA) | 0.5811% | 4,620 |
| Pretax return on assets | 0.5910% | 5,058 |
| Return on Equity (ROE) | 7.0553% | 3,685 |
| Retained earnings to average equity (ytd only) | 7.0553% | 1,790 |
| Net charge-offs to loans | -0.0301% | 5,742 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7719% | 1,521 |
| Assets per employee ($millions) | 3.4293% | 4,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8767% | 1,512 |
| Loan loss allowance to noncurrent loans | 3,311.1111% | 186 |
| Noncurrent assets plus other real estate owned to assets | 1.3464% | 2,289 |
| Noncurrent loans to loans | 0.0567% | 5,788 |
| Net loans and leases to total assets | 38.9447% | 5,886 |
| Net loans and leases to deposits | 42.7146% | 6,026 |
| Net loans and leases to core deposits | 46.3132% | 5,946 |
| Total domestic deposits to total assets | 91.1743% | 313 |
| Equity capital to assets | 8.7299% | 5,619 |
| Core capital (leverage) ratio | 9.9114% | 3,800 |
| Tier 1 risk-based capital ratio | 18.8219% | 1,950 |
| Total risk-based capital ratio | 20.0750% | 1,919 |
| Memoranda: | ||
| Average total assets | $121,142,250 | 4,195 |
| Average earning assets | $108,482,500 | 4,256 |
| Average equity | $9,978,000 | 4,793 |
| Average total loans | $48,799,500 | 4,907 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5816% | 5,200 |
| Cost of funding earning assets | 0.2089% | 5,839 |
| Net interest margin | 3.3727% | 4,301 |
| Noninterest income to average assets | 0.4197% | 4,098 |
| Noninterest expense to average assets | 2.8573% | 3,323 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5563% | 4,563 |
| Return on assets (ROA) | 0.5563% | 4,671 |
| Pretax return on assets | 0.5645% | 5,077 |
| Return on Equity (ROE) | 6.8900% | 3,678 |
| Retained earnings to average equity (ytd only) | 6.8900% | 1,818 |
| Net charge-offs to loans | -0.0163% | 5,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5017% | 1,570 |
| Assets per employee ($millions) | 3.3624% | 5,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8146% | 1,811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3127% | 2,484 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 39.6479% | 5,848 |
| Net loans and leases to deposits | 43.3197% | 6,012 |
| Net loans and leases to core deposits | 46.9227% | 5,954 |
| Total domestic deposits to total assets | 91.5240% | 260 |
| Equity capital to assets | 8.4025% | 5,881 |
| Core capital (leverage) ratio | 9.6698% | 4,083 |
| Tier 1 risk-based capital ratio | 17.7330% | 2,339 |
| Total risk-based capital ratio | 18.9844% | 2,308 |
| Memoranda: | ||
| Average total assets | $121,515,000 | 4,206 |
| Average earning assets | $108,163,670 | 4,286 |
| Average equity | $9,811,330 | 4,844 |
| Average total loans | $49,187,000 | 4,918 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6040% | 5,156 |
| Cost of funding earning assets | 0.2220% | 5,832 |
| Net interest margin | 3.3820% | 4,211 |
| Noninterest income to average assets | 0.4501% | 3,794 |
| Noninterest expense to average assets | 2.8551% | 3,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5980% | 4,210 |
| Return on assets (ROA) | 0.5980% | 4,288 |
| Pretax return on assets | 0.5980% | 4,838 |
| Return on Equity (ROE) | 7.5585% | 3,166 |
| Retained earnings to average equity (ytd only) | 7.5585% | 1,787 |
| Net charge-offs to loans | -0.0162% | 5,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6832% | 1,839 |
| Assets per employee ($millions) | 3.2836% | 5,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8040% | 2,026 |
| Loan loss allowance to noncurrent loans | 3,048.2759% | 195 |
| Noncurrent assets plus other real estate owned to assets | 1.3417% | 2,635 |
| Noncurrent loans to loans | 0.0592% | 5,976 |
| Net loans and leases to total assets | 39.6067% | 5,834 |
| Net loans and leases to deposits | 43.1135% | 6,019 |
| Net loans and leases to core deposits | 46.6649% | 5,954 |
| Total domestic deposits to total assets | 91.8661% | 283 |
| Equity capital to assets | 8.0672% | 6,007 |
| Core capital (leverage) ratio | 9.4278% | 4,378 |
| Tier 1 risk-based capital ratio | 17.4655% | 2,485 |
| Total risk-based capital ratio | 18.7160% | 2,458 |
| Memoranda: | ||
| Average total assets | $121,748,500 | 4,242 |
| Average earning assets | $108,103,000 | 4,313 |
| Average equity | $9,631,500 | 4,903 |
| Average total loans | $49,340,500 | 4,954 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8679% | 4,582 |
| Cost of funding earning assets | 0.2829% | 5,743 |
| Net interest margin | 3.5850% | 3,524 |
| Noninterest income to average assets | 0.1944% | 5,925 |
| Noninterest expense to average assets | 2.7479% | 3,917 |
| Loan and lease loss provision to assets | 0.0847% | 3,419 |
| Net operating income to assets | 0.5033% | 4,720 |
| Return on assets (ROA) | 0.5033% | 4,850 |
| Pretax return on assets | 0.5202% | 5,142 |
| Return on Equity (ROE) | 5.8560% | 4,172 |
| Retained earnings to average equity (ytd only) | 2.0458% | 4,784 |
| Net charge-offs to loans | 0.2576% | 2,424 |
| Credit loss provision to net charge-offs | 75.5396% | 3,154 |
| Earnings coverage of net charge-offs (x) | 5.3957% | 3,312 |
| Efficiency ratio | 81.9581% | 1,880 |
| Assets per employee ($millions) | 3.0501% | 5,762 |
| Cash dividends to net income (ytd only)* | 65.0641% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7754% | 2,145 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3090% | 2,802 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 39.9951% | 5,964 |
| Net loans and leases to deposits | 43.3819% | 6,153 |
| Net loans and leases to core deposits | 47.3840% | 6,071 |
| Total domestic deposits to total assets | 92.1929% | 249 |
| Equity capital to assets | 7.7554% | 6,155 |
| Core capital (leverage) ratio | 9.1721% | 4,756 |
| Tier 1 risk-based capital ratio | 17.1409% | 2,544 |
| Total risk-based capital ratio | 18.3910% | 2,523 |
| Memoranda: | ||
| Average total assets | $123,986,200 | 4,183 |
| Average earning assets | $109,233,800 | 4,282 |
| Average equity | $10,655,800 | 4,709 |
| Average total loans | $53,963,400 | 4,811 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9201% | 4,427 |
| Cost of funding earning assets | 0.2971% | 5,760 |
| Net interest margin | 3.6230% | 3,346 |
| Noninterest income to average assets | 0.1253% | 6,393 |
| Noninterest expense to average assets | 2.6799% | 4,097 |
| Loan and lease loss provision to assets | 0.0803% | 3,452 |
| Net operating income to assets | 0.5291% | 4,670 |
| Return on assets (ROA) | 0.5291% | 4,830 |
| Pretax return on assets | 0.5516% | 5,203 |
| Return on Equity (ROE) | 6.0127% | 4,179 |
| Retained earnings to average equity (ytd only) | 6.0127% | 2,396 |
| Net charge-offs to loans | -0.1381% | 6,575 |
| Credit loss provision to net charge-offs | -131.5789% | 5,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9185% | 1,979 |
| Assets per employee ($millions) | 3.0569% | 5,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0224% | 1,670 |
| Loan loss allowance to noncurrent loans | 117.0950% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 1.5416% | 2,621 |
| Noncurrent loans to loans | 1.7271% | 2,605 |
| Net loans and leases to total assets | 41.5231% | 5,932 |
| Net loans and leases to deposits | 45.2711% | 6,141 |
| Net loans and leases to core deposits | 49.4540% | 6,043 |
| Total domestic deposits to total assets | 91.7211% | 310 |
| Equity capital to assets | 8.1620% | 6,035 |
| Core capital (leverage) ratio | 9.4949% | 4,414 |
| Tier 1 risk-based capital ratio | 17.0050% | 2,701 |
| Total risk-based capital ratio | 18.2625% | 2,664 |
| Memoranda: | ||
| Average total assets | $124,481,500 | 4,214 |
| Average earning assets | $109,484,500 | 4,320 |
| Average equity | $10,954,250 | 4,694 |
| Average total loans | $55,034,750 | 4,821 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9596% | 4,265 |
| Cost of funding earning assets | 0.3202% | 5,660 |
| Net interest margin | 3.6394% | 3,211 |
| Noninterest income to average assets | 0.1070% | 6,506 |
| Noninterest expense to average assets | 2.6514% | 4,213 |
| Loan and lease loss provision to assets | 0.0319% | 4,291 |
| Net operating income to assets | 0.6069% | 4,244 |
| Return on assets (ROA) | 0.6069% | 4,425 |
| Pretax return on assets | 0.6373% | 4,886 |
| Return on Equity (ROE) | 6.7382% | 3,747 |
| Retained earnings to average equity (ytd only) | 6.7382% | 2,013 |
| Net charge-offs to loans | -0.3030% | 6,759 |
| Credit loss provision to net charge-offs | -23.5294% | 5,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8461% | 2,182 |
| Assets per employee ($millions) | 3.1094% | 5,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8189% | 2,371 |
| Loan loss allowance to noncurrent loans | 3,781.4815% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.8901% | 4,014 |
| Noncurrent loans to loans | 0.0481% | 6,244 |
| Net loans and leases to total assets | 44.3104% | 5,712 |
| Net loans and leases to deposits | 48.3731% | 5,958 |
| Net loans and leases to core deposits | 53.0209% | 5,815 |
| Total domestic deposits to total assets | 91.6012% | 343 |
| Equity capital to assets | 8.3200% | 5,950 |
| Core capital (leverage) ratio | 9.2660% | 4,602 |
| Tier 1 risk-based capital ratio | 16.0109% | 3,185 |
| Total risk-based capital ratio | 17.2622% | 3,127 |
| Memoranda: | ||
| Average total assets | $125,217,330 | 4,238 |
| Average earning assets | $110,567,000 | 4,320 |
| Average equity | $11,279,000 | 4,667 |
| Average total loans | $56,106,330 | 4,817 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9532% | 4,287 |
| Cost of funding earning assets | 0.3767% | 5,313 |
| Net interest margin | 3.5766% | 3,355 |
| Noninterest income to average assets | 0.1242% | 6,479 |
| Noninterest expense to average assets | 2.6075% | 4,382 |
| Loan and lease loss provision to assets | 0.0637% | 3,565 |
| Net operating income to assets | 0.5794% | 4,315 |
| Return on assets (ROA) | 0.5794% | 4,467 |
| Pretax return on assets | 0.6272% | 4,850 |
| Return on Equity (ROE) | 6.1986% | 3,939 |
| Retained earnings to average equity (ytd only) | 6.1986% | 2,569 |
| Net charge-offs to loans | -0.5562% | 6,865 |
| Credit loss provision to net charge-offs | -25.6410% | 4,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0541% | 2,462 |
| Assets per employee ($millions) | 2.9827% | 6,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8456% | 2,461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9435% | 4,044 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 43.0903% | 5,752 |
| Net loans and leases to deposits | 47.8038% | 5,933 |
| Net loans and leases to core deposits | 53.3873% | 5,716 |
| Total domestic deposits to total assets | 90.1400% | 968 |
| Equity capital to assets | 9.3387% | 5,080 |
| Core capital (leverage) ratio | 9.0036% | 4,881 |
| Tier 1 risk-based capital ratio | 16.0748% | 3,219 |
| Total risk-based capital ratio | 17.3262% | 3,177 |
| Memoranda: | ||
| Average total assets | $125,638,500 | 4,269 |
| Average earning assets | $111,504,000 | 4,345 |
| Average equity | $11,744,500 | 4,622 |
| Average total loans | $56,093,500 | 4,855 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4431% | 3,642 |
| Cost of funding earning assets | 0.5078% | 5,163 |
| Net interest margin | 3.9353% | 2,669 |
| Noninterest income to average assets | 0.4607% | 4,170 |
| Noninterest expense to average assets | 2.8102% | 3,984 |
| Loan and lease loss provision to assets | 0.2105% | 3,040 |
| Net operating income to assets | 0.9341% | 2,627 |
| Return on assets (ROA) | 0.9341% | 2,871 |
| Pretax return on assets | 0.9428% | 3,771 |
| Return on Equity (ROE) | 9.9636% | 2,184 |
| Retained earnings to average equity (ytd only) | 2.3384% | 4,585 |
| Net charge-offs to loans | 0.4306% | 2,514 |
| Credit loss provision to net charge-offs | 108.6066% | 2,708 |
| Earnings coverage of net charge-offs (x) | 5.9508% | 2,908 |
| Efficiency ratio | 70.9018% | 3,638 |
| Assets per employee ($millions) | 3.0001% | 6,014 |
| Cash dividends to net income (ytd only)* | 76.5306% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6017% | 3,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0428% | 3,947 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 44.6616% | 5,761 |
| Net loans and leases to deposits | 49.4751% | 5,995 |
| Net loans and leases to core deposits | 55.2003% | 5,778 |
| Total domestic deposits to total assets | 90.2709% | 818 |
| Equity capital to assets | 9.3569% | 5,062 |
| Core capital (leverage) ratio | 8.8634% | 5,076 |
| Tier 1 risk-based capital ratio | 15.4546% | 3,457 |
| Total risk-based capital ratio | 16.7050% | 3,418 |
| Memoranda: | ||
| Average total assets | $125,897,800 | 4,230 |
| Average earning assets | $112,061,200 | 4,290 |
| Average equity | $11,803,000 | 4,610 |
| Average total loans | $56,666,600 | 4,844 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5506% | 3,424 |
| Cost of funding earning assets | 0.5325% | 5,225 |
| Net interest margin | 4.0181% | 2,432 |
| Noninterest income to average assets | 0.4883% | 3,995 |
| Noninterest expense to average assets | 2.7445% | 4,196 |
| Loan and lease loss provision to assets | 0.2277% | 2,783 |
| Net operating income to assets | 1.0677% | 2,229 |
| Return on assets (ROA) | 1.0677% | 2,434 |
| Pretax return on assets | 1.0889% | 3,393 |
| Return on Equity (ROE) | 11.3835% | 1,827 |
| Retained earnings to average equity (ytd only) | 11.3835% | 633 |
| Net charge-offs to loans | 0.2217% | 3,393 |
| Credit loss provision to net charge-offs | 228.7234% | 1,209 |
| Earnings coverage of net charge-offs (x) | 13.2234% | 1,930 |
| Efficiency ratio | 67.5796% | 4,157 |
| Assets per employee ($millions) | 3.1225% | 5,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8073% | 2,774 |
| Loan loss allowance to noncurrent loans | 647.1338% | 615 |
| Noncurrent assets plus other real estate owned to assets | 1.2746% | 3,739 |
| Noncurrent loans to loans | 0.2793% | 5,933 |
| Net loans and leases to total assets | 44.1961% | 5,949 |
| Net loans and leases to deposits | 49.6962% | 6,134 |
| Net loans and leases to core deposits | 56.6380% | 5,842 |
| Total domestic deposits to total assets | 88.9326% | 1,470 |
| Equity capital to assets | 10.1179% | 4,325 |
| Core capital (leverage) ratio | 9.3013% | 4,584 |
| Tier 1 risk-based capital ratio | 16.2340% | 3,141 |
| Total risk-based capital ratio | 17.4979% | 3,101 |
| Memoranda: | ||
| Average total assets | $125,871,500 | 4,272 |
| Average earning assets | $111,923,500 | 4,342 |
| Average equity | $11,806,250 | 4,653 |
| Average total loans | $56,535,500 | 4,901 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5648% | 3,504 |
| Cost of funding earning assets | 0.5603% | 5,225 |
| Net interest margin | 4.0044% | 2,487 |
| Noninterest income to average assets | 0.4992% | 3,926 |
| Noninterest expense to average assets | 2.7227% | 4,316 |
| Loan and lease loss provision to assets | 0.2932% | 2,234 |
| Net operating income to assets | 1.0175% | 2,390 |
| Return on assets (ROA) | 1.0175% | 2,615 |
| Pretax return on assets | 1.0397% | 3,559 |
| Return on Equity (ROE) | 11.1368% | 1,943 |
| Retained earnings to average equity (ytd only) | 11.1368% | 723 |
| Net charge-offs to loans | 0.3602% | 2,572 |
| Credit loss provision to net charge-offs | 181.3725% | 1,558 |
| Earnings coverage of net charge-offs (x) | 8.2451% | 2,331 |
| Efficiency ratio | 67.1356% | 4,301 |
| Assets per employee ($millions) | 3.2413% | 5,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7454% | 3,045 |
| Loan loss allowance to noncurrent loans | 6,106.2500% | 104 |
| Noncurrent assets plus other real estate owned to assets | 1.1199% | 4,151 |
| Noncurrent loans to loans | 0.0286% | 6,617 |
| Net loans and leases to total assets | 42.4200% | 6,163 |
| Net loans and leases to deposits | 47.2139% | 6,362 |
| Net loans and leases to core deposits | 54.2344% | 6,080 |
| Total domestic deposits to total assets | 89.8466% | 1,017 |
| Equity capital to assets | 9.4446% | 5,138 |
| Core capital (leverage) ratio | 8.9167% | 5,026 |
| Tier 1 risk-based capital ratio | 15.1628% | 3,657 |
| Total risk-based capital ratio | 16.4217% | 3,619 |
| Memoranda: | ||
| Average total assets | $126,196,000 | 4,288 |
| Average earning assets | $112,075,670 | 4,363 |
| Average equity | $11,529,330 | 4,705 |
| Average total loans | $56,642,000 | 4,923 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5900% | 3,550 |
| Cost of funding earning assets | 0.6147% | 5,013 |
| Net interest margin | 3.9754% | 2,608 |
| Noninterest income to average assets | 0.4885% | 3,989 |
| Noninterest expense to average assets | 2.7927% | 4,063 |
| Loan and lease loss provision to assets | 0.0964% | 4,144 |
| Net operating income to assets | 1.0959% | 2,106 |
| Return on assets (ROA) | 1.0959% | 2,302 |
| Pretax return on assets | 1.1119% | 3,277 |
| Return on Equity (ROE) | 12.2096% | 1,612 |
| Retained earnings to average equity (ytd only) | 12.2096% | 796 |
| Net charge-offs to loans | 0.2247% | 2,799 |
| Credit loss provision to net charge-offs | 93.7500% | 2,477 |
| Earnings coverage of net charge-offs (x) | 11.7500% | 1,651 |
| Efficiency ratio | 69.7992% | 3,851 |
| Assets per employee ($millions) | 3.2244% | 5,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5539% | 3,924 |
| Loan loss allowance to noncurrent loans | 223.0000% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 1.3685% | 3,830 |
| Noncurrent loans to loans | 0.6968% | 5,274 |
| Net loans and leases to total assets | 43.8162% | 6,033 |
| Net loans and leases to deposits | 48.6305% | 6,257 |
| Net loans and leases to core deposits | 56.0118% | 5,901 |
| Total domestic deposits to total assets | 90.1004% | 1,028 |
| Equity capital to assets | 9.0746% | 5,394 |
| Core capital (leverage) ratio | 9.0281% | 4,792 |
| Tier 1 risk-based capital ratio | 15.3390% | 3,534 |
| Total risk-based capital ratio | 16.5589% | 3,509 |
| Memoranda: | ||
| Average total assets | $124,468,500 | 4,349 |
| Average earning assets | $109,977,500 | 4,438 |
| Average equity | $11,171,500 | 4,784 |
| Average total loans | $56,975,500 | 4,945 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7039% | 4,232 |
| Cost of funding earning assets | 0.7930% | 4,916 |
| Net interest margin | 3.9109% | 3,287 |
| Noninterest income to average assets | 0.7946% | 2,091 |
| Noninterest expense to average assets | 3.0773% | 3,284 |
| Loan and lease loss provision to assets | 0.3373% | 3,000 |
| Net operating income to assets | 0.8531% | 2,805 |
| Return on assets (ROA) | 0.8539% | 2,956 |
| Pretax return on assets | 0.8818% | 3,669 |
| Return on Equity (ROE) | 9.8047% | 2,123 |
| Retained earnings to average equity (ytd only) | 4.1183% | 3,254 |
| Net charge-offs to loans | 0.8087% | 2,134 |
| Credit loss provision to net charge-offs | 84.8861% | 4,245 |
| Earnings coverage of net charge-offs (x) | 3.0663% | 3,674 |
| Efficiency ratio | 71.6392% | 3,652 |
| Assets per employee ($millions) | 2.7898% | 6,471 |
| Cash dividends to net income (ytd only)* | 57.9961% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5828% | 3,647 |
| Loan loss allowance to noncurrent loans | 99.4444% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 2.4750% | 2,454 |
| Noncurrent loans to loans | 1.5916% | 3,776 |
| Net loans and leases to total assets | 46.3914% | 5,983 |
| Net loans and leases to deposits | 51.5086% | 6,254 |
| Net loans and leases to core deposits | 59.2314% | 5,912 |
| Total domestic deposits to total assets | 90.0652% | 961 |
| Equity capital to assets | 8.8686% | 5,712 |
| Core capital (leverage) ratio | 9.0227% | 4,740 |
| Tier 1 risk-based capital ratio | 15.0583% | 3,602 |
| Total risk-based capital ratio | 16.2975% | 3,569 |
| Memoranda: | ||
| Average total assets | $121,566,800 | 4,355 |
| Average earning assets | $108,825,000 | 4,425 |
| Average equity | $10,586,800 | 4,886 |
| Average total loans | $59,723,200 | 4,873 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7162% | 4,376 |
| Cost of funding earning assets | 0.8326% | 4,927 |
| Net interest margin | 3.8837% | 3,464 |
| Noninterest income to average assets | 0.9019% | 1,645 |
| Noninterest expense to average assets | 2.9887% | 3,593 |
| Loan and lease loss provision to assets | 0.3717% | 2,625 |
| Net operating income to assets | 1.0079% | 2,290 |
| Return on assets (ROA) | 1.0079% | 2,443 |
| Pretax return on assets | 1.0396% | 3,252 |
| Return on Equity (ROE) | 11.6260% | 1,639 |
| Retained earnings to average equity (ytd only) | 11.6260% | 537 |
| Net charge-offs to loans | 0.8967% | 1,783 |
| Credit loss provision to net charge-offs | 83.5381% | 4,017 |
| Earnings coverage of net charge-offs (x) | 3.1720% | 3,551 |
| Efficiency ratio | 67.9255% | 4,338 |
| Assets per employee ($millions) | 3.0151% | 6,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 4,020 |
| Loan loss allowance to noncurrent loans | 72.6027% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 2.7089% | 2,394 |
| Noncurrent loans to loans | 2.0886% | 3,259 |
| Net loans and leases to total assets | 48.5199% | 5,891 |
| Net loans and leases to deposits | 54.7175% | 6,144 |
| Net loans and leases to core deposits | 63.9750% | 5,613 |
| Total domestic deposits to total assets | 88.6735% | 1,649 |
| Equity capital to assets | 9.7635% | 4,680 |
| Core capital (leverage) ratio | 9.2750% | 4,494 |
| Tier 1 risk-based capital ratio | 15.8718% | 3,180 |
| Total risk-based capital ratio | 17.1168% | 3,139 |
| Memoranda: | ||
| Average total assets | $121,968,000 | 4,364 |
| Average earning assets | $109,859,000 | 4,420 |
| Average equity | $10,573,750 | 4,904 |
| Average total loans | $60,517,250 | 4,888 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7020% | 4,530 |
| Cost of funding earning assets | 0.8707% | 4,896 |
| Net interest margin | 3.8313% | 3,637 |
| Noninterest income to average assets | 0.5228% | 3,678 |
| Noninterest expense to average assets | 3.0027% | 3,629 |
| Loan and lease loss provision to assets | 0.0980% | 5,092 |
| Net operating income to assets | 0.8658% | 2,793 |
| Return on assets (ROA) | 0.8658% | 2,882 |
| Pretax return on assets | 0.8871% | 3,669 |
| Return on Equity (ROE) | 10.4194% | 1,976 |
| Retained earnings to average equity (ytd only) | 10.4194% | 763 |
| Net charge-offs to loans | 0.0033% | 5,839 |
| Credit loss provision to net charge-offs | 6,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 603.0000% | 51 |
| Efficiency ratio | 75.2970% | 3,140 |
| Assets per employee ($millions) | 3.0183% | 6,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6698% | 3,421 |
| Loan loss allowance to noncurrent loans | 203.7698% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 2.1778% | 3,013 |
| Noncurrent loans to loans | 0.8195% | 5,292 |
| Net loans and leases to total assets | 48.8691% | 5,968 |
| Net loans and leases to deposits | 54.5857% | 6,263 |
| Net loans and leases to core deposits | 65.3674% | 5,576 |
| Total domestic deposits to total assets | 89.5274% | 1,225 |
| Equity capital to assets | 8.8306% | 5,781 |
| Core capital (leverage) ratio | 8.8320% | 5,000 |
| Tier 1 risk-based capital ratio | 15.0172% | 3,486 |
| Total risk-based capital ratio | 16.2825% | 3,449 |
| Memoranda: | ||
| Average total assets | $122,423,330 | 4,378 |
| Average earning assets | $110,719,000 | 4,420 |
| Average equity | $10,173,330 | 5,001 |
| Average total loans | $60,884,000 | 4,917 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6195% | 4,860 |
| Cost of funding earning assets | 0.9253% | 4,742 |
| Net interest margin | 3.6941% | 4,140 |
| Noninterest income to average assets | 0.5322% | 3,630 |
| Noninterest expense to average assets | 3.0716% | 3,375 |
| Loan and lease loss provision to assets | 0.0986% | 4,775 |
| Net operating income to assets | 0.7096% | 3,479 |
| Return on assets (ROA) | 0.7096% | 3,547 |
| Pretax return on assets | 0.7195% | 4,225 |
| Return on Equity (ROE) | 8.8199% | 2,547 |
| Retained earnings to average equity (ytd only) | 8.8199% | 1,441 |
| Net charge-offs to loans | 0.0924% | 4,017 |
| Credit loss provision to net charge-offs | 214.2857% | 1,400 |
| Earnings coverage of net charge-offs (x) | 17.7857% | 1,211 |
| Efficiency ratio | 78.9696% | 2,698 |
| Assets per employee ($millions) | 2.9690% | 6,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 3,558 |
| Loan loss allowance to noncurrent loans | 2,978.7879% | 157 |
| Noncurrent assets plus other real estate owned to assets | 1.7835% | 3,601 |
| Noncurrent loans to loans | 0.0552% | 6,905 |
| Net loans and leases to total assets | 47.1772% | 6,170 |
| Net loans and leases to deposits | 52.1936% | 6,459 |
| Net loans and leases to core deposits | 62.2292% | 5,905 |
| Total domestic deposits to total assets | 90.3888% | 907 |
| Equity capital to assets | 8.0073% | 6,487 |
| Core capital (leverage) ratio | 8.7490% | 4,999 |
| Tier 1 risk-based capital ratio | 14.5030% | 3,736 |
| Total risk-based capital ratio | 15.7663% | 3,691 |
| Memoranda: | ||
| Average total assets | $121,759,500 | 4,426 |
| Average earning assets | $110,661,500 | 4,451 |
| Average equity | $9,796,000 | 5,097 |
| Average total loans | $60,574,500 | 4,983 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0342% | 4,394 |
| Cost of funding earning assets | 1.0685% | 5,325 |
| Net interest margin | 3.9657% | 3,176 |
| Noninterest income to average assets | 0.5495% | 3,830 |
| Noninterest expense to average assets | 3.1901% | 3,131 |
| Loan and lease loss provision to assets | 0.2935% | 4,452 |
| Net operating income to assets | 0.7312% | 3,095 |
| Return on assets (ROA) | 0.7312% | 3,218 |
| Pretax return on assets | 0.6757% | 4,064 |
| Return on Equity (ROE) | 8.3126% | 2,576 |
| Retained earnings to average equity (ytd only) | 5.8683% | 1,899 |
| Net charge-offs to loans | 0.4620% | 3,773 |
| Credit loss provision to net charge-offs | 114.2857% | 3,796 |
| Earnings coverage of net charge-offs (x) | 3.7741% | 3,193 |
| Efficiency ratio | 76.6974% | 2,929 |
| Assets per employee ($millions) | 2.7633% | 6,584 |
| Cash dividends to net income (ytd only)* | 29.4049% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5782% | 3,666 |
| Loan loss allowance to noncurrent loans | 413.6752% | 752 |
| Noncurrent assets plus other real estate owned to assets | 1.8970% | 3,485 |
| Noncurrent loans to loans | 0.3815% | 6,279 |
| Net loans and leases to total assets | 50.8067% | 6,069 |
| Net loans and leases to deposits | 56.4587% | 6,405 |
| Net loans and leases to core deposits | 65.0402% | 5,973 |
| Total domestic deposits to total assets | 89.9891% | 1,108 |
| Equity capital to assets | 8.0853% | 6,401 |
| Core capital (leverage) ratio | 8.6362% | 5,133 |
| Tier 1 risk-based capital ratio | 14.1092% | 3,799 |
| Total risk-based capital ratio | 15.3705% | 3,751 |
| Memoranda: | ||
| Average total assets | $117,207,800 | 4,547 |
| Average earning assets | $106,690,400 | 4,542 |
| Average equity | $10,309,600 | 5,038 |
| Average total loans | $65,153,800 | 4,864 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0558% | 4,566 |
| Cost of funding earning assets | 1.0896% | 5,489 |
| Net interest margin | 3.9663% | 3,254 |
| Noninterest income to average assets | 0.5491% | 3,794 |
| Noninterest expense to average assets | 3.2030% | 2,920 |
| Loan and lease loss provision to assets | 0.3756% | 3,634 |
| Net operating income to assets | 0.6746% | 3,529 |
| Return on assets (ROA) | 0.6746% | 3,688 |
| Pretax return on assets | 0.5856% | 4,649 |
| Return on Equity (ROE) | 7.5151% | 3,098 |
| Retained earnings to average equity (ytd only) | 7.5151% | 1,594 |
| Net charge-offs to loans | 0.5445% | 3,121 |
| Credit loss provision to net charge-offs | 121.8519% | 3,374 |
| Earnings coverage of net charge-offs (x) | 3.1185% | 3,581 |
| Efficiency ratio | 76.9189% | 2,773 |
| Assets per employee ($millions) | 2.6913% | 6,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5216% | 3,856 |
| Loan loss allowance to noncurrent loans | 57.2093% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 1.7328% | 3,843 |
| Noncurrent loans to loans | 2.6598% | 2,971 |
| Net loans and leases to total assets | 53.7781% | 5,881 |
| Net loans and leases to deposits | 60.9331% | 6,223 |
| Net loans and leases to core deposits | 71.0130% | 5,639 |
| Total domestic deposits to total assets | 88.2577% | 1,824 |
| Equity capital to assets | 9.2401% | 5,244 |
| Core capital (leverage) ratio | 8.6383% | 5,286 |
| Tier 1 risk-based capital ratio | 13.9248% | 3,895 |
| Total risk-based capital ratio | 15.1886% | 3,842 |
| Memoranda: | ||
| Average total assets | $116,804,500 | 4,616 |
| Average earning assets | $106,461,750 | 4,607 |
| Average equity | $10,485,250 | 5,056 |
| Average total loans | $66,108,000 | 4,898 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1172% | 4,363 |
| Cost of funding earning assets | 1.1151% | 5,597 |
| Net interest margin | 4.0021% | 3,007 |
| Noninterest income to average assets | 0.5453% | 3,747 |
| Noninterest expense to average assets | 3.2666% | 2,669 |
| Loan and lease loss provision to assets | 0.1307% | 5,577 |
| Net operating income to assets | 0.9117% | 2,511 |
| Return on assets (ROA) | 0.9117% | 2,615 |
| Pretax return on assets | 0.7844% | 3,932 |
| Return on Equity (ROE) | 10.2584% | 2,006 |
| Retained earnings to average equity (ytd only) | 10.2584% | 789 |
| Net charge-offs to loans | 0.3094% | 3,770 |
| Credit loss provision to net charge-offs | 73.7864% | 4,865 |
| Earnings coverage of net charge-offs (x) | 5.1650% | 2,735 |
| Efficiency ratio | 78.1160% | 2,711 |
| Assets per employee ($millions) | 2.6821% | 6,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 4,621 |
| Loan loss allowance to noncurrent loans | 199.5556% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.4872% | 6,235 |
| Noncurrent loans to loans | 0.6824% | 5,885 |
| Net loans and leases to total assets | 53.8938% | 5,999 |
| Net loans and leases to deposits | 61.3248% | 6,287 |
| Net loans and leases to core deposits | 72.5660% | 5,614 |
| Total domestic deposits to total assets | 87.8825% | 2,061 |
| Equity capital to assets | 8.8373% | 5,695 |
| Core capital (leverage) ratio | 8.6090% | 5,218 |
| Tier 1 risk-based capital ratio | 13.1213% | 4,345 |
| Total risk-based capital ratio | 14.2586% | 4,389 |
| Memoranda: | ||
| Average total assets | $116,266,670 | 4,649 |
| Average earning assets | $105,644,670 | 4,653 |
| Average equity | $10,333,000 | 5,108 |
| Average total loans | $66,588,330 | 4,916 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2180% | 3,924 |
| Cost of funding earning assets | 1.1907% | 5,455 |
| Net interest margin | 4.0273% | 2,755 |
| Noninterest income to average assets | 0.6137% | 3,177 |
| Noninterest expense to average assets | 3.2020% | 2,853 |
| Loan and lease loss provision to assets | 0.0526% | 6,143 |
| Net operating income to assets | 0.9574% | 2,335 |
| Return on assets (ROA) | 0.9574% | 2,400 |
| Pretax return on assets | 0.9890% | 3,130 |
| Return on Equity (ROE) | 10.7412% | 1,858 |
| Retained earnings to average equity (ytd only) | 10.7412% | 977 |
| Net charge-offs to loans | 0.5679% | 2,381 |
| Credit loss provision to net charge-offs | 15.7895% | 4,985 |
| Earnings coverage of net charge-offs (x) | 3.1263% | 3,010 |
| Efficiency ratio | 75.4545% | 3,311 |
| Assets per employee ($millions) | 2.7819% | 6,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 5,109 |
| Loan loss allowance to noncurrent loans | 212.8463% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 5,968 |
| Noncurrent loans to loans | 0.5954% | 6,121 |
| Net loans and leases to total assets | 56.3484% | 5,696 |
| Net loans and leases to deposits | 63.8021% | 6,069 |
| Net loans and leases to core deposits | 74.9812% | 5,388 |
| Total domestic deposits to total assets | 88.3175% | 1,894 |
| Equity capital to assets | 8.8282% | 5,494 |
| Core capital (leverage) ratio | 8.7214% | 4,985 |
| Tier 1 risk-based capital ratio | 13.3706% | 4,072 |
| Total risk-based capital ratio | 14.4887% | 4,126 |
| Memoranda: | ||
| Average total assets | $114,053,500 | 4,765 |
| Average earning assets | $102,797,500 | 4,788 |
| Average equity | $10,166,500 | 5,191 |
| Average total loans | $66,910,500 | 4,971 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6897% | 3,154 |
| Cost of funding earning assets | 1.4953% | 5,531 |
| Net interest margin | 4.1944% | 2,083 |
| Noninterest income to average assets | 0.6106% | 3,545 |
| Noninterest expense to average assets | 3.4695% | 2,456 |
| Loan and lease loss provision to assets | 0.3747% | 4,536 |
| Net operating income to assets | 0.4452% | 3,948 |
| Return on assets (ROA) | 0.4728% | 3,951 |
| Pretax return on assets | 0.5098% | 4,156 |
| Return on Equity (ROE) | 5.2687% | 3,548 |
| Retained earnings to average equity (ytd only) | 5.2687% | 1,690 |
| Net charge-offs to loans | 0.4047% | 4,204 |
| Credit loss provision to net charge-offs | 146.7391% | 3,220 |
| Earnings coverage of net charge-offs (x) | 3.3478% | 3,381 |
| Efficiency ratio | 80.2311% | 2,853 |
| Assets per employee ($millions) | 2.6492% | 6,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 4,358 |
| Loan loss allowance to noncurrent loans | 152.8926% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.6085% | 5,933 |
| Noncurrent loans to loans | 0.9011% | 5,506 |
| Net loans and leases to total assets | 59.5087% | 5,414 |
| Net loans and leases to deposits | 69.8494% | 5,625 |
| Net loans and leases to core deposits | 88.2064% | 5,305 |
| Total domestic deposits to total assets | 85.1958% | 3,459 |
| Equity capital to assets | 9.0036% | 5,143 |
| Core capital (leverage) ratio | 8.9616% | 4,487 |
| Tier 1 risk-based capital ratio | 13.0717% | 4,096 |
| Total risk-based capital ratio | 14.3015% | 4,056 |
| Memoranda: | ||
| Average total assets | $108,086,000 | 4,875 |
| Average earning assets | $95,699,000 | 4,955 |
| Average equity | $9,698,800 | 5,381 |
| Average total loans | $68,206,000 | 4,932 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7523% | 3,089 |
| Cost of funding earning assets | 1.5392% | 5,672 |
| Net interest margin | 4.2131% | 2,000 |
| Noninterest income to average assets | 0.6363% | 3,448 |
| Noninterest expense to average assets | 3.5019% | 2,280 |
| Loan and lease loss provision to assets | 0.4412% | 3,704 |
| Net operating income to assets | 0.4051% | 4,377 |
| Return on assets (ROA) | 0.4051% | 4,482 |
| Pretax return on assets | 0.4213% | 4,737 |
| Return on Equity (ROE) | 4.5188% | 4,154 |
| Retained earnings to average equity (ytd only) | 4.5188% | 2,747 |
| Net charge-offs to loans | 0.5024% | 3,217 |
| Credit loss provision to net charge-offs | 137.5969% | 3,598 |
| Earnings coverage of net charge-offs (x) | 2.6899% | 3,882 |
| Efficiency ratio | 80.2392% | 2,807 |
| Assets per employee ($millions) | 2.5991% | 7,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 4,202 |
| Loan loss allowance to noncurrent loans | 233.1593% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.7606% | 5,604 |
| Noncurrent loans to loans | 0.5790% | 6,161 |
| Net loans and leases to total assets | 58.3894% | 5,832 |
| Net loans and leases to deposits | 66.5341% | 6,255 |
| Net loans and leases to core deposits | 82.0252% | 6,185 |
| Total domestic deposits to total assets | 87.7586% | 1,771 |
| Equity capital to assets | 8.9486% | 5,558 |
| Core capital (leverage) ratio | 8.7629% | 5,030 |
| Tier 1 risk-based capital ratio | 13.1293% | 4,102 |
| Total risk-based capital ratio | 14.3446% | 4,061 |
| Memoranda: | ||
| Average total assets | $107,291,000 | 4,928 |
| Average earning assets | $94,939,000 | 5,009 |
| Average equity | $9,619,000 | 5,451 |
| Average total loans | $68,473,000 | 4,969 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7791% | 3,142 |
| Cost of funding earning assets | 1.5809% | 5,806 |
| Net interest margin | 4.1982% | 2,006 |
| Noninterest income to average assets | 0.6522% | 3,331 |
| Noninterest expense to average assets | 3.5822% | 2,113 |
| Loan and lease loss provision to assets | 0.4820% | 3,118 |
| Net operating income to assets | 0.3232% | 4,790 |
| Return on assets (ROA) | 0.3232% | 4,912 |
| Pretax return on assets | 0.3478% | 5,073 |
| Return on Equity (ROE) | 3.6032% | 4,663 |
| Retained earnings to average equity (ytd only) | 3.6032% | 3,293 |
| Net charge-offs to loans | 0.6383% | 2,445 |
| Credit loss provision to net charge-offs | 115.3846% | 4,010 |
| Earnings coverage of net charge-offs (x) | 1.9864% | 4,097 |
| Efficiency ratio | 81.1911% | 2,854 |
| Assets per employee ($millions) | 2.3888% | 7,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 4,703 |
| Loan loss allowance to noncurrent loans | 269.4805% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.7861% | 5,435 |
| Noncurrent loans to loans | 0.4584% | 6,379 |
| Net loans and leases to total assets | 61.7310% | 5,400 |
| Net loans and leases to deposits | 67.9476% | 6,194 |
| Net loans and leases to core deposits | 84.8548% | 6,023 |
| Total domestic deposits to total assets | 90.8509% | 509 |
| Equity capital to assets | 8.7612% | 5,660 |
| Core capital (leverage) ratio | 8.6902% | 5,104 |
| Tier 1 risk-based capital ratio | 12.8308% | 4,263 |
| Total risk-based capital ratio | 13.9528% | 4,271 |
| Memoranda: | ||
| Average total assets | $105,801,330 | 4,992 |
| Average earning assets | $94,756,000 | 5,048 |
| Average equity | $9,491,670 | 5,515 |
| Average total loans | $69,247,670 | 4,987 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8159% | 3,223 |
| Cost of funding earning assets | 1.5796% | 6,116 |
| Net interest margin | 4.2363% | 1,790 |
| Noninterest income to average assets | 0.6327% | 3,330 |
| Noninterest expense to average assets | 3.5597% | 1,955 |
| Loan and lease loss provision to assets | 0.5717% | 2,198 |
| Net operating income to assets | 0.2858% | 5,347 |
| Return on assets (ROA) | 0.2858% | 5,518 |
| Pretax return on assets | 0.3240% | 5,607 |
| Return on Equity (ROE) | 3.1484% | 5,306 |
| Retained earnings to average equity (ytd only) | 3.1484% | 4,121 |
| Net charge-offs to loans | 0.7342% | 1,716 |
| Credit loss provision to net charge-offs | 116.2791% | 3,351 |
| Earnings coverage of net charge-offs (x) | 1.8217% | 3,816 |
| Efficiency ratio | 79.8973% | 2,842 |
| Assets per employee ($millions) | 2.3390% | 7,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 4,989 |
| Loan loss allowance to noncurrent loans | 495.1515% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.7175% | 5,366 |
| Noncurrent loans to loans | 0.2362% | 6,858 |
| Net loans and leases to total assets | 64.1594% | 4,958 |
| Net loans and leases to deposits | 72.9666% | 5,620 |
| Net loans and leases to core deposits | 91.5278% | 5,397 |
| Total domestic deposits to total assets | 87.9298% | 1,775 |
| Equity capital to assets | 8.9223% | 5,447 |
| Core capital (leverage) ratio | 8.8969% | 4,863 |
| Tier 1 risk-based capital ratio | 12.7487% | 4,346 |
| Total risk-based capital ratio | 13.8573% | 4,390 |
| Memoranda: | ||
| Average total assets | $104,953,500 | 5,044 |
| Average earning assets | $94,705,500 | 5,064 |
| Average equity | $9,528,500 | 5,527 |
| Average total loans | $70,277,000 | 4,974 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2859% | 4,044 |
| Cost of funding earning assets | 1.9887% | 6,444 |
| Net interest margin | 4.2972% | 1,984 |
| Noninterest income to average assets | 0.3212% | 6,155 |
| Noninterest expense to average assets | 4.0161% | 1,396 |
| Loan and lease loss provision to assets | 0.2187% | 4,700 |
| Net operating income to assets | 0.0404% | 6,257 |
| Return on assets (ROA) | 0.0404% | 6,118 |
| Pretax return on assets | 0.0463% | 6,058 |
| Return on Equity (ROE) | 0.4278% | 6,102 |
| Retained earnings to average equity (ytd only) | -7.9307% | 6,881 |
| Net charge-offs to loans | 0.4020% | 2,801 |
| Credit loss provision to net charge-offs | 81.6176% | 5,867 |
| Earnings coverage of net charge-offs (x) | 0.9890% | 5,633 |
| Efficiency ratio | 93.8090% | 1,288 |
| Assets per employee ($millions) | 2.2242% | 7,668 |
| Cash dividends to net income (ytd only)* | 1,953.6585% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 5,089 |
| Loan loss allowance to noncurrent loans | 229.3948% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.7643% | 4,930 |
| Noncurrent loans to loans | 0.4908% | 5,879 |
| Net loans and leases to total assets | 68.3289% | 4,408 |
| Net loans and leases to deposits | 79.8821% | 5,066 |
| Net loans and leases to core deposits | 97.5647% | 5,091 |
| Total domestic deposits to total assets | 85.5372% | 2,612 |
| Equity capital to assets | 9.2434% | 5,014 |
| Core capital (leverage) ratio | 9.1684% | 4,489 |
| Tier 1 risk-based capital ratio | 12.6272% | 4,347 |
| Total risk-based capital ratio | 13.7056% | 4,368 |
| Memoranda: | ||
| Average total assets | $101,490,600 | 5,006 |
| Average earning assets | $93,526,600 | 4,980 |
| Average equity | $9,583,000 | 5,542 |
| Average total loans | $67,669,000 | 4,959 |