Home > Parkway Bank > Performance and Condition Ratios
Parkway Bank, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5842% | 1,371 |
| Cost of funding earning assets | 0.6123% | 1,328 |
| Net interest margin | 3.9719% | 1,798 |
| Noninterest income to average assets | 0.2385% | 5,226 |
| Noninterest expense to average assets | 2.8114% | 3,145 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6998% | 3,900 |
| Return on assets (ROA) | 0.7041% | 3,993 |
| Pretax return on assets | 0.9917% | 3,641 |
| Return on Equity (ROE) | 6.0082% | 4,147 |
| Retained earnings to average equity (ytd only) | 2.4102% | 4,670 |
| Net charge-offs to loans | -0.0143% | 5,094 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0431% | 2,546 |
| Assets per employee ($millions) | 3.7101% | 4,426 |
| Cash dividends to net income (ytd only)* | 59.8838% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5462% | 1,977 |
| Loan loss allowance to noncurrent loans | 472.6415% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 1.1807% | 2,002 |
| Noncurrent loans to loans | 0.3271% | 4,436 |
| Net loans and leases to total assets | 71.6520% | 2,112 |
| Net loans and leases to deposits | 88.4165% | 1,845 |
| Net loans and leases to core deposits | 90.1939% | 2,447 |
| Total domestic deposits to total assets | 81.0392% | 4,463 |
| Equity capital to assets | 11.5479% | 2,464 |
| Core capital (leverage) ratio | 9.6211% | 4,144 |
| Tier 1 risk-based capital ratio | 11.9615% | 5,104 |
| Total risk-based capital ratio | 13.2327% | 5,013 |
| Memoranda: | ||
| Average total assets | $130,277,750 | 3,921 |
| Average earning assets | $116,717,500 | 3,989 |
| Average equity | $15,267,750 | 3,825 |
| Average total loans | $93,072,500 | 3,554 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6446% | 1,177 |
| Cost of funding earning assets | 0.6029% | 1,395 |
| Net interest margin | 4.0417% | 1,519 |
| Noninterest income to average assets | 0.2384% | 5,253 |
| Noninterest expense to average assets | 2.7837% | 3,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7650% | 3,561 |
| Return on assets (ROA) | 0.7695% | 3,641 |
| Pretax return on assets | 1.0729% | 3,285 |
| Return on Equity (ROE) | 6.5327% | 3,864 |
| Retained earnings to average equity (ytd only) | 3.1284% | 4,059 |
| Net charge-offs to loans | -0.0044% | 4,704 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2959% | 2,962 |
| Assets per employee ($millions) | 3.6609% | 4,514 |
| Cash dividends to net income (ytd only)* | 52.1127% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5849% | 1,956 |
| Loan loss allowance to noncurrent loans | 462.8483% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 1.2011% | 2,106 |
| Noncurrent loans to loans | 0.3424% | 4,462 |
| Net loans and leases to total assets | 70.4405% | 2,254 |
| Net loans and leases to deposits | 90.8748% | 1,498 |
| Net loans and leases to core deposits | 93.0462% | 2,058 |
| Total domestic deposits to total assets | 77.5138% | 5,373 |
| Equity capital to assets | 11.6062% | 2,326 |
| Core capital (leverage) ratio | 9.7868% | 3,880 |
| Tier 1 risk-based capital ratio | 11.9675% | 5,177 |
| Total risk-based capital ratio | 13.2395% | 5,058 |
| Memoranda: | ||
| Average total assets | $129,182,000 | 3,974 |
| Average earning assets | $115,446,000 | 4,042 |
| Average equity | $15,215,670 | 3,851 |
| Average total loans | $91,695,000 | 3,601 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7554% | 935 |
| Cost of funding earning assets | 0.5966% | 1,460 |
| Net interest margin | 4.1588% | 1,149 |
| Noninterest income to average assets | 0.2409% | 5,245 |
| Noninterest expense to average assets | 2.8215% | 3,171 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7914% | 3,313 |
| Return on assets (ROA) | 0.7914% | 3,445 |
| Pretax return on assets | 1.1261% | 2,967 |
| Return on Equity (ROE) | 6.6686% | 3,671 |
| Retained earnings to average equity (ytd only) | 3.1630% | 4,087 |
| Net charge-offs to loans | -0.0044% | 4,467 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4739% | 3,254 |
| Assets per employee ($millions) | 3.7174% | 4,481 |
| Cash dividends to net income (ytd only)* | 52.5692% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6123% | 2,007 |
| Loan loss allowance to noncurrent loans | 451.3595% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 1.4542% | 1,816 |
| Noncurrent loans to loans | 0.3572% | 4,527 |
| Net loans and leases to total assets | 70.0702% | 2,135 |
| Net loans and leases to deposits | 86.9242% | 1,730 |
| Net loans and leases to core deposits | 88.7270% | 2,249 |
| Total domestic deposits to total assets | 80.6107% | 4,912 |
| Equity capital to assets | 11.7472% | 2,243 |
| Core capital (leverage) ratio | 9.6794% | 4,038 |
| Tier 1 risk-based capital ratio | 12.2189% | 5,097 |
| Total risk-based capital ratio | 13.4716% | 5,008 |
| Memoranda: | ||
| Average total assets | $127,877,000 | 4,030 |
| Average earning assets | $113,976,500 | 4,100 |
| Average equity | $15,175,500 | 3,891 |
| Average total loans | $90,377,500 | 3,635 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5397% | 1,726 |
| Cost of funding earning assets | 0.5861% | 1,893 |
| Net interest margin | 3.9536% | 2,036 |
| Noninterest income to average assets | 0.2643% | 5,240 |
| Noninterest expense to average assets | 2.9658% | 2,948 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5373% | 4,651 |
| Return on assets (ROA) | 0.5804% | 4,541 |
| Pretax return on assets | 0.7865% | 4,308 |
| Return on Equity (ROE) | 4.7949% | 4,767 |
| Retained earnings to average equity (ytd only) | 1.6161% | 5,012 |
| Net charge-offs to loans | 0.0730% | 3,442 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 14.7705% | 2,130 |
| Efficiency ratio | 80.2845% | 1,883 |
| Assets per employee ($millions) | 3.5899% | 4,739 |
| Cash dividends to net income (ytd only)* | 66.2953% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6948% | 1,784 |
| Loan loss allowance to noncurrent loans | 447.0060% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 2.2603% | 1,069 |
| Noncurrent loans to loans | 0.3791% | 4,505 |
| Net loans and leases to total assets | 68.9246% | 2,408 |
| Net loans and leases to deposits | 86.0272% | 1,985 |
| Net loans and leases to core deposits | 87.8850% | 2,513 |
| Total domestic deposits to total assets | 80.1195% | 4,983 |
| Equity capital to assets | 11.9916% | 2,021 |
| Core capital (leverage) ratio | 10.0565% | 3,489 |
| Tier 1 risk-based capital ratio | 12.4226% | 5,077 |
| Total risk-based capital ratio | 13.6757% | 4,996 |
| Memoranda: | ||
| Average total assets | $123,712,200 | 4,107 |
| Average earning assets | $107,320,000 | 4,241 |
| Average equity | $14,974,200 | 3,843 |
| Average total loans | $83,592,400 | 3,777 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5720% | 1,636 |
| Cost of funding earning assets | 0.5854% | 1,964 |
| Net interest margin | 3.9866% | 1,920 |
| Noninterest income to average assets | 0.2921% | 5,104 |
| Noninterest expense to average assets | 2.9289% | 3,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5875% | 4,495 |
| Return on assets (ROA) | 0.6167% | 4,461 |
| Pretax return on assets | 0.8439% | 4,208 |
| Return on Equity (ROE) | 5.0831% | 4,682 |
| Retained earnings to average equity (ytd only) | 1.9262% | 5,094 |
| Net charge-offs to loans | 0.1083% | 2,720 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 11.0897% | 2,470 |
| Efficiency ratio | 78.4638% | 2,113 |
| Assets per employee ($millions) | 3.5155% | 4,832 |
| Cash dividends to net income (ytd only)* | 62.1056% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7781% | 1,740 |
| Loan loss allowance to noncurrent loans | 237.1611% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 2.3228% | 1,172 |
| Noncurrent loans to loans | 0.7498% | 3,726 |
| Net loans and leases to total assets | 66.7571% | 2,731 |
| Net loans and leases to deposits | 82.4732% | 2,364 |
| Net loans and leases to core deposits | 83.7292% | 2,915 |
| Total domestic deposits to total assets | 80.9441% | 4,836 |
| Equity capital to assets | 12.2412% | 1,877 |
| Core capital (leverage) ratio | 10.2477% | 3,343 |
| Tier 1 risk-based capital ratio | 12.4688% | 5,189 |
| Total risk-based capital ratio | 13.7226% | 5,120 |
| Memoranda: | ||
| Average total assets | $123,228,750 | 4,151 |
| Average earning assets | $106,354,750 | 4,296 |
| Average equity | $14,951,000 | 3,867 |
| Average total loans | $82,467,000 | 3,834 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6184% | 1,483 |
| Cost of funding earning assets | 0.5843% | 2,029 |
| Net interest margin | 4.0340% | 1,709 |
| Noninterest income to average assets | 0.3212% | 4,849 |
| Noninterest expense to average assets | 2.9151% | 3,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6967% | 3,857 |
| Return on assets (ROA) | 0.7284% | 3,783 |
| Pretax return on assets | 0.9295% | 3,767 |
| Return on Equity (ROE) | 6.0212% | 4,136 |
| Retained earnings to average equity (ytd only) | 2.8296% | 4,404 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6311% | 2,514 |
| Assets per employee ($millions) | 3.6079% | 4,640 |
| Cash dividends to net income (ytd only)* | 53.0067% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8531% | 1,695 |
| Loan loss allowance to noncurrent loans | 196.4602% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 2.4880% | 1,143 |
| Noncurrent loans to loans | 0.9432% | 3,358 |
| Net loans and leases to total assets | 67.0971% | 2,562 |
| Net loans and leases to deposits | 84.3144% | 2,004 |
| Net loans and leases to core deposits | 85.1888% | 2,590 |
| Total domestic deposits to total assets | 79.5797% | 5,333 |
| Equity capital to assets | 12.2690% | 1,797 |
| Core capital (leverage) ratio | 10.0266% | 3,577 |
| Tier 1 risk-based capital ratio | 12.3107% | 5,354 |
| Total risk-based capital ratio | 13.5649% | 5,271 |
| Memoranda: | ||
| Average total assets | $123,290,670 | 4,176 |
| Average earning assets | $106,444,670 | 4,316 |
| Average equity | $14,914,000 | 3,870 |
| Average total loans | $82,080,330 | 3,851 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7080% | 1,240 |
| Cost of funding earning assets | 0.5777% | 2,171 |
| Net interest margin | 4.1303% | 1,390 |
| Noninterest income to average assets | 0.3916% | 4,260 |
| Noninterest expense to average assets | 2.8770% | 3,294 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9158% | 2,571 |
| Return on assets (ROA) | 0.9158% | 2,642 |
| Pretax return on assets | 1.0776% | 3,005 |
| Return on Equity (ROE) | 7.6249% | 3,134 |
| Retained earnings to average equity (ytd only) | 4.2301% | 3,593 |
| Net charge-offs to loans | 0.0296% | 2,991 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 55.5000% | 697 |
| Efficiency ratio | 72.7496% | 3,349 |
| Assets per employee ($millions) | 3.3911% | 5,170 |
| Cash dividends to net income (ytd only)* | 44.5230% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8839% | 1,803 |
| Loan loss allowance to noncurrent loans | 186.5060% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 2.4644% | 1,302 |
| Noncurrent loans to loans | 1.0101% | 3,401 |
| Net loans and leases to total assets | 64.2573% | 2,849 |
| Net loans and leases to deposits | 78.8790% | 2,439 |
| Net loans and leases to core deposits | 79.9173% | 2,981 |
| Total domestic deposits to total assets | 81.4632% | 5,106 |
| Equity capital to assets | 11.9089% | 1,932 |
| Core capital (leverage) ratio | 9.9219% | 3,674 |
| Tier 1 risk-based capital ratio | 12.5950% | 5,260 |
| Total risk-based capital ratio | 13.8495% | 5,195 |
| Memoranda: | ||
| Average total assets | $123,602,500 | 4,201 |
| Average earning assets | $106,626,000 | 4,348 |
| Average equity | $14,846,000 | 3,888 |
| Average total loans | $81,190,500 | 3,899 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7665% | 1,388 |
| Cost of funding earning assets | 0.6411% | 2,287 |
| Net interest margin | 4.1254% | 1,578 |
| Noninterest income to average assets | 0.0919% | 6,414 |
| Noninterest expense to average assets | 2.9768% | 3,116 |
| Loan and lease loss provision to assets | 0.2506% | 1,442 |
| Net operating income to assets | 1.2153% | 1,508 |
| Return on assets (ROA) | 1.2328% | 1,506 |
| Pretax return on assets | 0.4293% | 5,411 |
| Return on Equity (ROE) | 10.2102% | 2,027 |
| Retained earnings to average equity (ytd only) | 6.1289% | 1,898 |
| Net charge-offs to loans | 0.5768% | 1,142 |
| Credit loss provision to net charge-offs | 64.5161% | 3,440 |
| Earnings coverage of net charge-offs (x) | 1.7054% | 4,484 |
| Efficiency ratio | 81.7994% | 1,904 |
| Assets per employee ($millions) | 3.2902% | 5,312 |
| Cash dividends to net income (ytd only)* | 39.9729% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9374% | 1,690 |
| Loan loss allowance to noncurrent loans | 132.2553% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 3.0615% | 1,020 |
| Noncurrent loans to loans | 1.4649% | 2,692 |
| Net loans and leases to total assets | 64.6119% | 2,937 |
| Net loans and leases to deposits | 79.6839% | 2,496 |
| Net loans and leases to core deposits | 80.7697% | 3,039 |
| Total domestic deposits to total assets | 81.0853% | 5,148 |
| Equity capital to assets | 12.1164% | 1,732 |
| Core capital (leverage) ratio | 9.8470% | 3,777 |
| Tier 1 risk-based capital ratio | 12.5515% | 5,255 |
| Total risk-based capital ratio | 13.8067% | 5,204 |
| Memoranda: | ||
| Average total assets | $119,727,400 | 4,284 |
| Average earning assets | $102,947,200 | 4,441 |
| Average equity | $14,456,200 | 3,978 |
| Average total loans | $80,618,400 | 3,919 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8477% | 1,245 |
| Cost of funding earning assets | 0.6494% | 2,362 |
| Net interest margin | 4.1983% | 1,340 |
| Noninterest income to average assets | 0.2404% | 5,714 |
| Noninterest expense to average assets | 3.0395% | 2,857 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5746% | 785 |
| Return on assets (ROA) | 1.5902% | 809 |
| Pretax return on assets | 0.8242% | 4,204 |
| Return on Equity (ROE) | 13.1821% | 1,198 |
| Retained earnings to average equity (ytd only) | 9.3536% | 948 |
| Net charge-offs to loans | 0.1239% | 3,302 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 9.6398% | 2,458 |
| Efficiency ratio | 78.9887% | 2,263 |
| Assets per employee ($millions) | 3.4381% | 4,976 |
| Cash dividends to net income (ytd only)* | 29.0435% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9241% | 1,927 |
| Loan loss allowance to noncurrent loans | 134.6437% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 3.1299% | 1,161 |
| Noncurrent loans to loans | 1.4290% | 3,019 |
| Net loans and leases to total assets | 67.7043% | 2,335 |
| Net loans and leases to deposits | 83.3713% | 1,955 |
| Net loans and leases to core deposits | 84.5310% | 2,593 |
| Total domestic deposits to total assets | 81.2082% | 5,166 |
| Equity capital to assets | 12.0439% | 1,890 |
| Core capital (leverage) ratio | 10.3278% | 3,202 |
| Tier 1 risk-based capital ratio | 12.4241% | 5,502 |
| Total risk-based capital ratio | 13.6797% | 5,436 |
| Memoranda: | ||
| Average total assets | $119,225,250 | 4,335 |
| Average earning assets | $102,452,500 | 4,489 |
| Average equity | $14,382,750 | 4,040 |
| Average total loans | $80,720,500 | 3,952 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9069% | 1,079 |
| Cost of funding earning assets | 0.6686% | 2,330 |
| Net interest margin | 4.2383% | 1,172 |
| Noninterest income to average assets | 0.1903% | 6,070 |
| Noninterest expense to average assets | 3.0363% | 2,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8054% | 3,262 |
| Return on assets (ROA) | 0.8054% | 3,415 |
| Pretax return on assets | 0.8054% | 4,295 |
| Return on Equity (ROE) | 6.6723% | 3,791 |
| Retained earnings to average equity (ytd only) | 3.1532% | 4,315 |
| Net charge-offs to loans | 0.0329% | 4,227 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 36.4615% | 991 |
| Efficiency ratio | 79.0358% | 2,291 |
| Assets per employee ($millions) | 3.3226% | 5,225 |
| Cash dividends to net income (ytd only)* | 52.7426% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0654% | 1,707 |
| Loan loss allowance to noncurrent loans | 166.1149% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 2.8751% | 1,431 |
| Noncurrent loans to loans | 1.2433% | 3,471 |
| Net loans and leases to total assets | 67.6312% | 2,315 |
| Net loans and leases to deposits | 83.6790% | 1,838 |
| Net loans and leases to core deposits | 85.2837% | 2,406 |
| Total domestic deposits to total assets | 80.8222% | 5,393 |
| Equity capital to assets | 11.8333% | 2,024 |
| Core capital (leverage) ratio | 10.3669% | 3,027 |
| Tier 1 risk-based capital ratio | 12.7578% | 5,319 |
| Total risk-based capital ratio | 14.0150% | 5,251 |
| Memoranda: | ||
| Average total assets | $117,709,670 | 4,398 |
| Average earning assets | $101,409,000 | 4,535 |
| Average equity | $14,208,000 | 4,110 |
| Average total loans | $79,146,330 | 4,005 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9978% | 890 |
| Cost of funding earning assets | 0.6975% | 2,242 |
| Net interest margin | 4.3003% | 972 |
| Noninterest income to average assets | 0.2398% | 5,746 |
| Noninterest expense to average assets | 3.0662% | 2,785 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8702% | 2,807 |
| Return on assets (ROA) | 0.8702% | 2,952 |
| Pretax return on assets | 0.8702% | 3,871 |
| Return on Equity (ROE) | 7.1373% | 3,417 |
| Retained earnings to average equity (ytd only) | 4.0745% | 3,775 |
| Net charge-offs to loans | -0.1240% | 6,528 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8938% | 2,622 |
| Assets per employee ($millions) | 3.4368% | 5,119 |
| Cash dividends to net income (ytd only)* | 42.9134% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2340% | 1,515 |
| Loan loss allowance to noncurrent loans | 136.0656% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 3.5961% | 1,166 |
| Noncurrent loans to loans | 1.6418% | 3,079 |
| Net loans and leases to total assets | 65.2803% | 2,498 |
| Net loans and leases to deposits | 81.1343% | 1,938 |
| Net loans and leases to core deposits | 82.6776% | 2,495 |
| Total domestic deposits to total assets | 80.4596% | 5,649 |
| Equity capital to assets | 12.2336% | 1,880 |
| Core capital (leverage) ratio | 10.4381% | 2,859 |
| Tier 1 risk-based capital ratio | 13.1316% | 5,120 |
| Total risk-based capital ratio | 14.3895% | 5,070 |
| Memoranda: | ||
| Average total assets | $116,758,500 | 4,466 |
| Average earning assets | $100,364,000 | 4,614 |
| Average equity | $14,235,000 | 4,152 |
| Average total loans | $77,419,000 | 4,082 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0740% | 1,367 |
| Cost of funding earning assets | 0.9319% | 1,751 |
| Net interest margin | 4.1421% | 1,849 |
| Noninterest income to average assets | 0.3153% | 5,196 |
| Noninterest expense to average assets | 3.1711% | 2,710 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9620% | 2,491 |
| Return on assets (ROA) | 1.0632% | 2,263 |
| Pretax return on assets | 0.7833% | 4,354 |
| Return on Equity (ROE) | 9.1940% | 2,536 |
| Retained earnings to average equity (ytd only) | 4.6590% | 2,933 |
| Net charge-offs to loans | -0.1080% | 6,835 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2976% | 1,827 |
| Assets per employee ($millions) | 3.3333% | 5,353 |
| Cash dividends to net income (ytd only)* | 49.3259% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2378% | 1,487 |
| Loan loss allowance to noncurrent loans | 125.5661% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 3.7714% | 1,172 |
| Noncurrent loans to loans | 1.7822% | 2,943 |
| Net loans and leases to total assets | 64.3678% | 2,832 |
| Net loans and leases to deposits | 83.1831% | 1,856 |
| Net loans and leases to core deposits | 85.0734% | 2,415 |
| Total domestic deposits to total assets | 77.3809% | 6,180 |
| Equity capital to assets | 12.1500% | 1,947 |
| Core capital (leverage) ratio | 10.2984% | 3,017 |
| Tier 1 risk-based capital ratio | 13.1524% | 4,999 |
| Total risk-based capital ratio | 14.4100% | 4,938 |
| Memoranda: | ||
| Average total assets | $118,603,800 | 4,390 |
| Average earning assets | $101,300,600 | 4,568 |
| Average equity | $13,715,400 | 4,223 |
| Average total loans | $75,945,000 | 4,157 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0845% | 1,461 |
| Cost of funding earning assets | 0.9621% | 1,773 |
| Net interest margin | 4.1224% | 2,015 |
| Noninterest income to average assets | 0.3661% | 4,903 |
| Noninterest expense to average assets | 3.1528% | 2,709 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7344% | 3,756 |
| Return on assets (ROA) | 0.8016% | 3,687 |
| Pretax return on assets | 0.8016% | 4,477 |
| Return on Equity (ROE) | 7.0192% | 3,805 |
| Retained earnings to average equity (ytd only) | 2.3528% | 5,156 |
| Net charge-offs to loans | -0.1232% | 6,906 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1060% | 1,916 |
| Assets per employee ($millions) | 3.2757% | 5,491 |
| Cash dividends to net income (ytd only)* | 66.4806% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2231% | 1,665 |
| Loan loss allowance to noncurrent loans | 163.9769% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 3.4971% | 1,435 |
| Noncurrent loans to loans | 1.3558% | 3,756 |
| Net loans and leases to total assets | 63.6637% | 3,082 |
| Net loans and leases to deposits | 82.5728% | 2,042 |
| Net loans and leases to core deposits | 85.2420% | 2,557 |
| Total domestic deposits to total assets | 77.1000% | 6,215 |
| Equity capital to assets | 11.7480% | 2,487 |
| Core capital (leverage) ratio | 10.1143% | 3,388 |
| Tier 1 risk-based capital ratio | 12.7298% | 5,457 |
| Total risk-based capital ratio | 13.9875% | 5,411 |
| Memoranda: | ||
| Average total assets | $119,088,000 | 4,421 |
| Average earning assets | $101,718,250 | 4,600 |
| Average equity | $13,600,500 | 4,280 |
| Average total loans | $75,727,500 | 4,206 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0749% | 1,583 |
| Cost of funding earning assets | 0.9969% | 1,781 |
| Net interest margin | 4.0779% | 2,179 |
| Noninterest income to average assets | 0.3766% | 4,827 |
| Noninterest expense to average assets | 3.1454% | 2,764 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7098% | 3,820 |
| Return on assets (ROA) | 0.7282% | 3,989 |
| Pretax return on assets | 0.7282% | 4,743 |
| Return on Equity (ROE) | 6.4368% | 4,077 |
| Retained earnings to average equity (ytd only) | 1.2578% | 5,570 |
| Net charge-offs to loans | -0.2123% | 7,008 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5892% | 1,947 |
| Assets per employee ($millions) | 3.4790% | 5,029 |
| Cash dividends to net income (ytd only)* | 80.4598% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3080% | 1,579 |
| Loan loss allowance to noncurrent loans | 245.9885% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 3.2084% | 1,700 |
| Noncurrent loans to loans | 0.9382% | 4,635 |
| Net loans and leases to total assets | 61.4431% | 3,544 |
| Net loans and leases to deposits | 79.4816% | 2,456 |
| Net loans and leases to core deposits | 82.2847% | 2,926 |
| Total domestic deposits to total assets | 77.3048% | 6,279 |
| Equity capital to assets | 11.5551% | 2,537 |
| Core capital (leverage) ratio | 9.7651% | 3,760 |
| Tier 1 risk-based capital ratio | 12.7722% | 5,360 |
| Total risk-based capital ratio | 14.0301% | 5,327 |
| Memoranda: | ||
| Average total assets | $119,475,330 | 4,435 |
| Average earning assets | $101,914,000 | 4,628 |
| Average equity | $13,516,000 | 4,296 |
| Average total loans | $75,375,670 | 4,242 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0430% | 1,743 |
| Cost of funding earning assets | 1.0383% | 1,756 |
| Net interest margin | 4.0048% | 2,484 |
| Noninterest income to average assets | 0.3198% | 5,318 |
| Noninterest expense to average assets | 3.1315% | 2,812 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6063% | 4,320 |
| Return on assets (ROA) | 0.6063% | 4,531 |
| Pretax return on assets | 0.6063% | 5,095 |
| Return on Equity (ROE) | 5.4167% | 4,584 |
| Retained earnings to average equity (ytd only) | -1.6964% | 6,238 |
| Net charge-offs to loans | -0.5167% | 7,151 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7790% | 1,712 |
| Assets per employee ($millions) | 3.4995% | 5,118 |
| Cash dividends to net income (ytd only)* | 131.3187% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2825% | 1,709 |
| Loan loss allowance to noncurrent loans | 431.5920% | 784 |
| Noncurrent assets plus other real estate owned to assets | 3.5099% | 1,634 |
| Noncurrent loans to loans | 0.5289% | 5,607 |
| Net loans and leases to total assets | 60.6445% | 3,525 |
| Net loans and leases to deposits | 77.4302% | 2,605 |
| Net loans and leases to core deposits | 80.0220% | 3,068 |
| Total domestic deposits to total assets | 78.3215% | 6,218 |
| Equity capital to assets | 10.9503% | 2,960 |
| Core capital (leverage) ratio | 9.4799% | 4,083 |
| Tier 1 risk-based capital ratio | 12.2156% | 5,814 |
| Total risk-based capital ratio | 13.4731% | 5,783 |
| Memoranda: | ||
| Average total assets | $120,070,500 | 4,448 |
| Average earning assets | $102,478,000 | 4,643 |
| Average equity | $13,440,000 | 4,316 |
| Average total loans | $75,866,000 | 4,244 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3596% | 1,533 |
| Cost of funding earning assets | 1.2476% | 1,749 |
| Net interest margin | 4.1121% | 2,380 |
| Noninterest income to average assets | 0.3698% | 4,860 |
| Noninterest expense to average assets | 3.4833% | 2,022 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3326% | 5,139 |
| Return on assets (ROA) | 0.4544% | 4,830 |
| Pretax return on assets | 0.4225% | 5,223 |
| Return on Equity (ROE) | 4.0193% | 4,834 |
| Retained earnings to average equity (ytd only) | 4.0193% | 3,331 |
| Net charge-offs to loans | 0.6031% | 2,643 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 0.7768% | 5,215 |
| Efficiency ratio | 92.0548% | 1,042 |
| Assets per employee ($millions) | 3.2683% | 5,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1619% | 1,878 |
| Loan loss allowance to noncurrent loans | 405.1980% | 829 |
| Noncurrent assets plus other real estate owned to assets | 3.9767% | 1,444 |
| Noncurrent loans to loans | 0.5336% | 5,648 |
| Net loans and leases to total assets | 62.9628% | 3,413 |
| Net loans and leases to deposits | 81.3534% | 2,300 |
| Net loans and leases to core deposits | 84.4653% | 2,821 |
| Total domestic deposits to total assets | 77.3942% | 6,284 |
| Equity capital to assets | 11.4465% | 2,549 |
| Core capital (leverage) ratio | 9.8290% | 3,548 |
| Tier 1 risk-based capital ratio | 12.6016% | 5,369 |
| Total risk-based capital ratio | 13.8585% | 5,356 |
| Memoranda: | ||
| Average total assets | $115,752,200 | 4,503 |
| Average earning assets | $96,107,600 | 4,744 |
| Average equity | $13,086,800 | 4,326 |
| Average total loans | $74,288,200 | 4,338 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3624% | 1,642 |
| Cost of funding earning assets | 1.2852% | 1,784 |
| Net interest margin | 4.0771% | 2,565 |
| Noninterest income to average assets | 0.4742% | 4,093 |
| Noninterest expense to average assets | 3.5404% | 1,830 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2984% | 5,400 |
| Return on assets (ROA) | 0.4014% | 5,179 |
| Pretax return on assets | 0.4014% | 5,467 |
| Return on Equity (ROE) | 3.5613% | 5,197 |
| Retained earnings to average equity (ytd only) | 3.5613% | 4,209 |
| Net charge-offs to loans | 0.0577% | 5,391 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 8.0616% | 2,245 |
| Efficiency ratio | 92.2266% | 1,016 |
| Assets per employee ($millions) | 3.4856% | 5,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6661% | 1,170 |
| Loan loss allowance to noncurrent loans | 211.6495% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 4.8798% | 1,188 |
| Noncurrent loans to loans | 1.2597% | 4,431 |
| Net loans and leases to total assets | 63.2450% | 3,467 |
| Net loans and leases to deposits | 81.3783% | 2,467 |
| Net loans and leases to core deposits | 84.1069% | 3,051 |
| Total domestic deposits to total assets | 77.7173% | 6,244 |
| Equity capital to assets | 11.2472% | 2,914 |
| Core capital (leverage) ratio | 9.8977% | 3,578 |
| Tier 1 risk-based capital ratio | 12.4153% | 5,563 |
| Total risk-based capital ratio | 13.6775% | 5,540 |
| Memoranda: | ||
| Average total assets | $115,275,250 | 4,546 |
| Average earning assets | $95,130,000 | 4,814 |
| Average equity | $12,991,500 | 4,352 |
| Average total loans | $73,930,500 | 4,388 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3649% | 1,672 |
| Cost of funding earning assets | 1.3680% | 1,558 |
| Net interest margin | 3.9969% | 2,853 |
| Noninterest income to average assets | 0.5272% | 3,650 |
| Noninterest expense to average assets | 3.4677% | 2,070 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3293% | 5,249 |
| Return on assets (ROA) | 0.4536% | 4,841 |
| Pretax return on assets | 0.4536% | 5,214 |
| Return on Equity (ROE) | 4.0221% | 4,935 |
| Retained earnings to average equity (ytd only) | 4.0221% | 3,640 |
| Net charge-offs to loans | 0.0905% | 4,763 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 5.6970% | 2,551 |
| Efficiency ratio | 91.3284% | 1,146 |
| Assets per employee ($millions) | 3.4201% | 5,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7283% | 1,148 |
| Loan loss allowance to noncurrent loans | 178.1250% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 6.9975% | 729 |
| Noncurrent loans to loans | 1.5317% | 4,119 |
| Net loans and leases to total assets | 62.9144% | 3,696 |
| Net loans and leases to deposits | 81.0664% | 2,606 |
| Net loans and leases to core deposits | 83.8366% | 3,238 |
| Total domestic deposits to total assets | 77.6085% | 6,355 |
| Equity capital to assets | 11.2362% | 2,731 |
| Core capital (leverage) ratio | 9.8532% | 3,448 |
| Tier 1 risk-based capital ratio | 12.3551% | 5,472 |
| Total risk-based capital ratio | 13.6179% | 5,440 |
| Memoranda: | ||
| Average total assets | $114,197,330 | 4,604 |
| Average earning assets | $93,421,670 | 4,900 |
| Average equity | $12,879,000 | 4,368 |
| Average total loans | $72,906,000 | 4,465 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3788% | 1,648 |
| Cost of funding earning assets | 1.4543% | 1,364 |
| Net interest margin | 3.9245% | 3,027 |
| Noninterest income to average assets | 0.5515% | 3,502 |
| Noninterest expense to average assets | 3.4466% | 2,150 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3005% | 5,397 |
| Return on assets (ROA) | 0.5303% | 4,434 |
| Pretax return on assets | 0.5303% | 4,925 |
| Return on Equity (ROE) | 4.6928% | 4,557 |
| Retained earnings to average equity (ytd only) | 4.6928% | 3,379 |
| Net charge-offs to loans | -0.0056% | 6,255 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9811% | 1,168 |
| Assets per employee ($millions) | 3.3504% | 5,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8376% | 1,074 |
| Loan loss allowance to noncurrent loans | 81.6438% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 9.1429% | 471 |
| Noncurrent loans to loans | 3.4756% | 2,144 |
| Net loans and leases to total assets | 62.7026% | 3,718 |
| Net loans and leases to deposits | 80.9913% | 2,527 |
| Net loans and leases to core deposits | 84.1377% | 3,145 |
| Total domestic deposits to total assets | 77.4189% | 6,464 |
| Equity capital to assets | 11.2576% | 2,447 |
| Core capital (leverage) ratio | 9.9175% | 3,249 |
| Tier 1 risk-based capital ratio | 12.2872% | 5,449 |
| Total risk-based capital ratio | 13.5505% | 5,429 |
| Memoranda: | ||
| Average total assets | $113,153,500 | 4,662 |
| Average earning assets | $92,139,500 | 4,967 |
| Average equity | $12,785,500 | 4,386 |
| Average total loans | $71,753,000 | 4,551 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6850% | 1,625 |
| Cost of funding earning assets | 1.7237% | 1,492 |
| Net interest margin | 3.9612% | 3,208 |
| Noninterest income to average assets | 0.5134% | 4,067 |
| Noninterest expense to average assets | 3.6884% | 1,729 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1093% | 5,567 |
| Return on assets (ROA) | 0.2851% | 5,143 |
| Pretax return on assets | 0.2309% | 5,409 |
| Return on Equity (ROE) | 2.5640% | 5,144 |
| Retained earnings to average equity (ytd only) | 2.5640% | 4,070 |
| Net charge-offs to loans | 1.5865% | 1,375 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 0.0563% | 6,059 |
| Efficiency ratio | 98.5280% | 852 |
| Assets per employee ($millions) | 3.4058% | 5,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9789% | 887 |
| Loan loss allowance to noncurrent loans | 90.8497% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 9.4178% | 461 |
| Noncurrent loans to loans | 3.2789% | 2,316 |
| Net loans and leases to total assets | 60.4201% | 4,600 |
| Net loans and leases to deposits | 78.2206% | 3,480 |
| Net loans and leases to core deposits | 81.7706% | 3,937 |
| Total domestic deposits to total assets | 77.2432% | 6,439 |
| Equity capital to assets | 11.3415% | 2,383 |
| Core capital (leverage) ratio | 9.7018% | 3,429 |
| Tier 1 risk-based capital ratio | 12.5987% | 4,937 |
| Total risk-based capital ratio | 13.8632% | 4,907 |
| Memoranda: | ||
| Average total assets | $114,332,600 | 4,604 |
| Average earning assets | $93,228,400 | 4,908 |
| Average equity | $12,714,600 | 4,426 |
| Average total loans | $70,534,200 | 4,667 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7011% | 1,714 |
| Cost of funding earning assets | 1.7604% | 1,586 |
| Net interest margin | 3.9407% | 3,357 |
| Noninterest income to average assets | 0.5446% | 3,832 |
| Noninterest expense to average assets | 3.5894% | 1,820 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.1707% | 5,586 |
| Return on assets (ROA) | 0.2148% | 5,627 |
| Pretax return on assets | 0.2148% | 5,696 |
| Return on Equity (ROE) | 1.9412% | 5,630 |
| Retained earnings to average equity (ytd only) | 1.9412% | 4,985 |
| Net charge-offs to loans | 1.8018% | 1,076 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 0.1539% | 5,869 |
| Efficiency ratio | 95.4602% | 929 |
| Assets per employee ($millions) | 3.2843% | 5,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1668% | 722 |
| Loan loss allowance to noncurrent loans | 240.2778% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 8.0590% | 622 |
| Noncurrent loans to loans | 1.3180% | 4,661 |
| Net loans and leases to total assets | 59.8250% | 4,944 |
| Net loans and leases to deposits | 77.3235% | 3,950 |
| Net loans and leases to core deposits | 82.0566% | 4,239 |
| Total domestic deposits to total assets | 77.3697% | 6,400 |
| Equity capital to assets | 11.2238% | 2,755 |
| Core capital (leverage) ratio | 9.5084% | 3,891 |
| Tier 1 risk-based capital ratio | 12.3045% | 5,178 |
| Total risk-based capital ratio | 13.5707% | 5,134 |
| Memoranda: | ||
| Average total assets | $114,817,500 | 4,660 |
| Average earning assets | $93,687,500 | 4,960 |
| Average equity | $12,706,500 | 4,498 |
| Average total loans | $70,669,500 | 4,726 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7043% | 1,744 |
| Cost of funding earning assets | 1.7718% | 1,758 |
| Net interest margin | 3.9325% | 3,312 |
| Noninterest income to average assets | 0.5524% | 3,692 |
| Noninterest expense to average assets | 3.5967% | 1,793 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1812% | 5,627 |
| Return on assets (ROA) | 0.2474% | 5,529 |
| Pretax return on assets | 0.2474% | 5,665 |
| Return on Equity (ROE) | 2.2466% | 5,560 |
| Retained earnings to average equity (ytd only) | 2.2466% | 4,725 |
| Net charge-offs to loans | 1.3919% | 1,370 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 0.2118% | 5,513 |
| Efficiency ratio | 95.2030% | 1,002 |
| Assets per employee ($millions) | 3.1743% | 5,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7660% | 446 |
| Loan loss allowance to noncurrent loans | 80.1004% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 8.6721% | 526 |
| Noncurrent loans to loans | 4.7016% | 1,512 |
| Net loans and leases to total assets | 60.6668% | 4,937 |
| Net loans and leases to deposits | 78.2410% | 3,924 |
| Net loans and leases to core deposits | 83.6424% | 4,179 |
| Total domestic deposits to total assets | 77.5384% | 6,380 |
| Equity capital to assets | 11.1582% | 2,722 |
| Core capital (leverage) ratio | 9.4783% | 3,850 |
| Tier 1 risk-based capital ratio | 12.5788% | 4,788 |
| Total risk-based capital ratio | 13.8527% | 4,736 |
| Memoranda: | ||
| Average total assets | $114,772,670 | 4,684 |
| Average earning assets | $94,139,000 | 4,987 |
| Average equity | $12,641,330 | 4,513 |
| Average total loans | $70,553,000 | 4,777 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6971% | 1,792 |
| Cost of funding earning assets | 1.7968% | 1,888 |
| Net interest margin | 3.9003% | 3,321 |
| Noninterest income to average assets | 0.5773% | 3,437 |
| Noninterest expense to average assets | 3.3976% | 2,243 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3651% | 4,997 |
| Return on assets (ROA) | 0.3651% | 5,121 |
| Pretax return on assets | 0.3651% | 5,398 |
| Return on Equity (ROE) | 3.3369% | 5,190 |
| Retained earnings to average equity (ytd only) | 3.3369% | 4,151 |
| Net charge-offs to loans | 2.0341% | 842 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.2958% | 4,778 |
| Efficiency ratio | 90.2957% | 1,405 |
| Assets per employee ($millions) | 3.1986% | 5,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9983% | 381 |
| Loan loss allowance to noncurrent loans | 59.4657% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 10.0471% | 394 |
| Noncurrent loans to loans | 6.7237% | 915 |
| Net loans and leases to total assets | 59.4070% | 5,221 |
| Net loans and leases to deposits | 76.3434% | 4,349 |
| Net loans and leases to core deposits | 83.6494% | 4,256 |
| Total domestic deposits to total assets | 77.8155% | 6,364 |
| Equity capital to assets | 10.9859% | 2,777 |
| Core capital (leverage) ratio | 9.5166% | 3,742 |
| Tier 1 risk-based capital ratio | 12.4946% | 4,760 |
| Total risk-based capital ratio | 13.7701% | 4,683 |
| Memoranda: | ||
| Average total assets | $115,021,500 | 4,738 |
| Average earning assets | $93,942,500 | 5,049 |
| Average equity | $12,586,500 | 4,565 |
| Average total loans | $69,809,500 | 4,870 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6638% | 3,284 |
| Cost of funding earning assets | 2.3655% | 1,408 |
| Net interest margin | 3.2983% | 5,755 |
| Noninterest income to average assets | 0.2267% | 6,494 |
| Noninterest expense to average assets | 4.0917% | 1,245 |
| Loan and lease loss provision to assets | 2.8169% | 649 |
| Net operating income to assets | -3.8924% | 7,584 |
| Return on assets (ROA) | -3.8284% | 7,575 |
| Pretax return on assets | -3.8284% | 7,486 |
| Return on Equity (ROE) | -37.1505% | 7,528 |
| Retained earnings to average equity (ytd only) | -37.1505% | 7,515 |
| Net charge-offs to loans | 2.1232% | 1,142 |
| Credit loss provision to net charge-offs | 202.0250% | 1,924 |
| Earnings coverage of net charge-offs (x) | -0.7713% | 6,834 |
| Efficiency ratio | 135.6553% | 420 |
| Assets per employee ($millions) | 3.1915% | 5,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6867% | 211 |
| Loan loss allowance to noncurrent loans | 67.2262% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 10.9805% | 305 |
| Noncurrent loans to loans | 6.9715% | 805 |
| Net loans and leases to total assets | 56.7127% | 5,869 |
| Net loans and leases to deposits | 72.8476% | 5,215 |
| Net loans and leases to core deposits | 90.8749% | 5,038 |
| Total domestic deposits to total assets | 77.8511% | 6,255 |
| Equity capital to assets | 10.8995% | 2,777 |
| Core capital (leverage) ratio | 9.2457% | 4,062 |
| Tier 1 risk-based capital ratio | 12.5915% | 4,454 |
| Total risk-based capital ratio | 13.8730% | 4,363 |
| Memoranda: | ||
| Average total assets | $120,414,600 | 4,551 |
| Average earning assets | $101,839,200 | 4,791 |
| Average equity | $12,409,000 | 4,654 |
| Average total loans | $79,079,600 | 4,548 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6197% | 3,744 |
| Cost of funding earning assets | 2.4489% | 1,450 |
| Net interest margin | 3.1708% | 6,117 |
| Noninterest income to average assets | 0.1905% | 6,856 |
| Noninterest expense to average assets | 4.0034% | 1,271 |
| Loan and lease loss provision to assets | 3.7133% | 346 |
| Net operating income to assets | -4.8189% | 7,823 |
| Return on assets (ROA) | -4.7346% | 7,819 |
| Pretax return on assets | -4.7346% | 7,780 |
| Return on Equity (ROE) | -46.5774% | 7,806 |
| Retained earnings to average equity (ytd only) | -46.5774% | 7,800 |
| Net charge-offs to loans | 2.2456% | 849 |
| Credit loss provision to net charge-offs | 246.3326% | 1,760 |
| Earnings coverage of net charge-offs (x) | -0.7335% | 6,575 |
| Efficiency ratio | 138.1564% | 400 |
| Assets per employee ($millions) | 3.1529% | 5,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7391% | 166 |
| Loan loss allowance to noncurrent loans | 39.8454% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 12.8820% | 187 |
| Noncurrent loans to loans | 11.8936% | 280 |
| Net loans and leases to total assets | 60.4111% | 5,519 |
| Net loans and leases to deposits | 77.5516% | 4,812 |
| Net loans and leases to core deposits | 94.3314% | 4,987 |
| Total domestic deposits to total assets | 77.8980% | 6,114 |
| Equity capital to assets | 10.9464% | 3,065 |
| Core capital (leverage) ratio | 9.1691% | 4,382 |
| Tier 1 risk-based capital ratio | 12.4468% | 4,588 |
| Total risk-based capital ratio | 13.7309% | 4,511 |
| Memoranda: | ||
| Average total assets | $121,794,500 | 4,548 |
| Average earning assets | $103,988,750 | 4,769 |
| Average equity | $12,380,500 | 4,685 |
| Average total loans | $81,758,500 | 4,493 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5020% | 4,617 |
| Cost of funding earning assets | 2.5196% | 1,545 |
| Net interest margin | 2.9823% | 6,603 |
| Noninterest income to average assets | 0.2364% | 6,591 |
| Noninterest expense to average assets | 4.0710% | 1,228 |
| Loan and lease loss provision to assets | 5.0880% | 195 |
| Net operating income to assets | -6.3657% | 8,016 |
| Return on assets (ROA) | -6.3041% | 8,002 |
| Pretax return on assets | -6.3041% | 7,964 |
| Return on Equity (ROE) | -63.5557% | 7,995 |
| Retained earnings to average equity (ytd only) | -63.5557% | 7,992 |
| Net charge-offs to loans | 1.7759% | 1,068 |
| Credit loss provision to net charge-offs | 419.4927% | 1,102 |
| Earnings coverage of net charge-offs (x) | -1.0534% | 6,240 |
| Efficiency ratio | 145.7391% | 391 |
| Assets per employee ($millions) | 3.2979% | 5,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9094% | 135 |
| Loan loss allowance to noncurrent loans | 25.5224% | 6,809 |
| Noncurrent assets plus other real estate owned to assets | 16.4174% | 83 |
| Noncurrent loans to loans | 19.2358% | 61 |
| Net loans and leases to total assets | 61.6515% | 5,414 |
| Net loans and leases to deposits | 78.5460% | 4,777 |
| Net loans and leases to core deposits | 95.9394% | 4,908 |
| Total domestic deposits to total assets | 78.4909% | 5,955 |
| Equity capital to assets | 10.7635% | 3,151 |
| Core capital (leverage) ratio | 9.8202% | 3,492 |
| Tier 1 risk-based capital ratio | 12.5573% | 4,477 |
| Total risk-based capital ratio | 13.8455% | 4,368 |
| Memoranda: | ||
| Average total assets | $123,506,330 | 4,544 |
| Average earning assets | $105,889,670 | 4,727 |
| Average equity | $12,250,670 | 4,750 |
| Average total loans | $84,351,000 | 4,449 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5727% | 4,511 |
| Cost of funding earning assets | 2.6882% | 1,306 |
| Net interest margin | 2.8845% | 6,787 |
| Noninterest income to average assets | 0.1738% | 7,063 |
| Noninterest expense to average assets | 3.8375% | 1,406 |
| Loan and lease loss provision to assets | 9.6420% | 49 |
| Net operating income to assets | -10.8460% | 8,178 |
| Return on assets (ROA) | -10.8428% | 8,171 |
| Pretax return on assets | -10.8428% | 8,163 |
| Return on Equity (ROE) | -114.0825% | 8,162 |
| Retained earnings to average equity (ytd only) | -114.0825% | 8,158 |
| Net charge-offs to loans | 3.0585% | 415 |
| Credit loss provision to net charge-offs | 450.3759% | 1,177 |
| Earnings coverage of net charge-offs (x) | -0.5624% | 5,277 |
| Efficiency ratio | 145.7213% | 381 |
| Assets per employee ($millions) | 3.1136% | 5,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6309% | 137 |
| Loan loss allowance to noncurrent loans | 34.8695% | 6,225 |
| Noncurrent assets plus other real estate owned to assets | 12.6619% | 130 |
| Noncurrent loans to loans | 13.2807% | 138 |
| Net loans and leases to total assets | 66.5083% | 4,460 |
| Net loans and leases to deposits | 82.6645% | 4,180 |
| Net loans and leases to core deposits | 104.2183% | 4,116 |
| Total domestic deposits to total assets | 80.4557% | 5,192 |
| Equity capital to assets | 8.5508% | 5,993 |
| Core capital (leverage) ratio | 6.5947% | 7,840 |
| Tier 1 risk-based capital ratio | 8.9019% | 7,841 |
| Total risk-based capital ratio | 10.1878% | 7,865 |
| Memoranda: | ||
| Average total assets | $124,248,000 | 4,534 |
| Average earning assets | $105,945,000 | 4,749 |
| Average equity | $11,809,000 | 4,899 |
| Average total loans | $86,970,000 | 4,393 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6470% | 2,261 |
| Cost of funding earning assets | 3.2680% | 1,008 |
| Net interest margin | 3.3790% | 5,749 |
| Noninterest income to average assets | 0.4335% | 5,184 |
| Noninterest expense to average assets | 3.7551% | 1,843 |
| Loan and lease loss provision to assets | 0.8691% | 1,715 |
| Net operating income to assets | -1.1217% | 7,302 |
| Return on assets (ROA) | -1.1217% | 7,242 |
| Pretax return on assets | -1.2010% | 7,117 |
| Return on Equity (ROE) | -11.4933% | 7,389 |
| Retained earnings to average equity (ytd only) | -11.4933% | 7,207 |
| Net charge-offs to loans | 2.5602% | 366 |
| Credit loss provision to net charge-offs | 46.5265% | 6,385 |
| Earnings coverage of net charge-offs (x) | -0.1776% | 6,363 |
| Efficiency ratio | 109.6926% | 713 |
| Assets per employee ($millions) | 3.0274% | 5,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6308% | 2,125 |
| Loan loss allowance to noncurrent loans | 21.8494% | 7,148 |
| Noncurrent assets plus other real estate owned to assets | 8.0704% | 286 |
| Noncurrent loans to loans | 7.4637% | 386 |
| Net loans and leases to total assets | 69.0874% | 4,234 |
| Net loans and leases to deposits | 86.8983% | 3,974 |
| Net loans and leases to core deposits | 116.7268% | 3,039 |
| Total domestic deposits to total assets | 79.5038% | 5,202 |
| Equity capital to assets | 10.3710% | 3,643 |
| Core capital (leverage) ratio | 8.5325% | 5,512 |
| Tier 1 risk-based capital ratio | 11.0181% | 5,711 |
| Total risk-based capital ratio | 12.2708% | 5,609 |
| Memoranda: | ||
| Average total assets | $142,553,800 | 4,034 |
| Average earning assets | $126,132,800 | 4,126 |
| Average equity | $13,912,400 | 4,360 |
| Average total loans | $104,015,600 | 3,847 |