Home > The Carson National Bank of Auburn > Performance and Condition Ratios
The Carson National Bank of Auburn, 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 | 2.5855% | 6,053 |
| Cost of funding earning assets | 0.3456% | 3,800 |
| Net interest margin | 2.2399% | 6,064 |
| Noninterest income to average assets | 0.1210% | 5,871 |
| Noninterest expense to average assets | 1.4147% | 6,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7173% | 3,834 |
| Return on assets (ROA) | 0.7173% | 3,933 |
| Pretax return on assets | 0.8492% | 4,179 |
| Return on Equity (ROE) | 5.7951% | 4,246 |
| Retained earnings to average equity (ytd only) | 4.3353% | 3,390 |
| Net charge-offs to loans | -0.0276% | 5,322 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4900% | 4,496 |
| Assets per employee ($millions) | 8.4947% | 444 |
| Cash dividends to net income (ytd only)* | 25.1889% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 4,073 |
| Loan loss allowance to noncurrent loans | 4,000.0000% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 5,767 |
| Noncurrent loans to loans | 0.0282% | 5,513 |
| Net loans and leases to total assets | 32.1260% | 5,918 |
| Net loans and leases to deposits | 37.2277% | 5,948 |
| Net loans and leases to core deposits | 42.8213% | 5,830 |
| Total domestic deposits to total assets | 86.2960% | 2,389 |
| Equity capital to assets | 12.2194% | 1,941 |
| Core capital (leverage) ratio | 12.1932% | 1,571 |
| Tier 1 risk-based capital ratio | 25.2900% | 828 |
| Total risk-based capital ratio | 26.1060% | 858 |
| Memoranda: | ||
| Average total assets | $73,797,000 | 5,057 |
| Average earning assets | $70,597,750 | 4,983 |
| Average equity | $9,134,000 | 4,882 |
| Average total loans | $24,184,250 | 5,651 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5563% | 6,136 |
| Cost of funding earning assets | 0.3509% | 3,798 |
| Net interest margin | 2.2054% | 6,143 |
| Noninterest income to average assets | 0.1234% | 5,933 |
| Noninterest expense to average assets | 1.4017% | 6,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7132% | 3,827 |
| Return on assets (ROA) | 0.7132% | 3,945 |
| Pretax return on assets | 0.8421% | 4,155 |
| Return on Equity (ROE) | 5.7366% | 4,261 |
| Retained earnings to average equity (ytd only) | 3.5302% | 3,778 |
| Net charge-offs to loans | -0.0417% | 5,470 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4694% | 4,606 |
| Assets per employee ($millions) | 8.2048% | 483 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 3,855 |
| Loan loss allowance to noncurrent loans | 3,971.4286% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 5,857 |
| Noncurrent loans to loans | 0.0299% | 5,636 |
| Net loans and leases to total assets | 31.3029% | 6,001 |
| Net loans and leases to deposits | 36.3010% | 6,026 |
| Net loans and leases to core deposits | 41.9700% | 5,896 |
| Total domestic deposits to total assets | 86.2316% | 2,565 |
| Equity capital to assets | 12.3248% | 1,788 |
| Core capital (leverage) ratio | 12.1003% | 1,597 |
| Tier 1 risk-based capital ratio | 27.3745% | 682 |
| Total risk-based capital ratio | 28.2712% | 693 |
| Memoranda: | ||
| Average total assets | $72,912,000 | 5,131 |
| Average earning assets | $70,100,670 | 5,042 |
| Average equity | $9,064,670 | 4,933 |
| Average total loans | $23,965,330 | 5,711 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5252% | 6,212 |
| Cost of funding earning assets | 0.3509% | 3,853 |
| Net interest margin | 2.1743% | 6,218 |
| Noninterest income to average assets | 0.1159% | 6,015 |
| Noninterest expense to average assets | 1.4576% | 6,203 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6515% | 4,041 |
| Return on assets (ROA) | 0.6515% | 4,160 |
| Pretax return on assets | 0.7454% | 4,445 |
| Return on Equity (ROE) | 5.2175% | 4,421 |
| Retained earnings to average equity (ytd only) | 0.7959% | 5,138 |
| Net charge-offs to loans | -0.0825% | 5,765 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1654% | 4,132 |
| Assets per employee ($millions) | 7.3108% | 737 |
| Cash dividends to net income (ytd only)* | 84.7458% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2161% | 3,868 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 31.5547% | 6,017 |
| Net loans and leases to deposits | 36.6938% | 6,032 |
| Net loans and leases to core deposits | 42.1090% | 5,906 |
| Total domestic deposits to total assets | 85.9947% | 2,943 |
| Equity capital to assets | 12.4569% | 1,721 |
| Core capital (leverage) ratio | 12.2215% | 1,494 |
| Tier 1 risk-based capital ratio | 26.9167% | 721 |
| Total risk-based capital ratio | 27.8127% | 730 |
| Memoranda: | ||
| Average total assets | $72,446,500 | 5,184 |
| Average earning assets | $69,539,000 | 5,104 |
| Average equity | $9,046,500 | 4,978 |
| Average total loans | $24,251,500 | 5,740 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6859% | 6,268 |
| Cost of funding earning assets | 0.3774% | 3,938 |
| Net interest margin | 2.3085% | 6,264 |
| Noninterest income to average assets | 0.1478% | 5,956 |
| Noninterest expense to average assets | 1.6128% | 6,226 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6586% | 4,096 |
| Return on assets (ROA) | 0.6586% | 4,196 |
| Pretax return on assets | 0.7473% | 4,452 |
| Return on Equity (ROE) | 5.3549% | 4,482 |
| Retained earnings to average equity (ytd only) | 4.2107% | 3,200 |
| Net charge-offs to loans | 0.0788% | 3,366 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 27.9474% | 1,415 |
| Efficiency ratio | 68.3363% | 3,840 |
| Assets per employee ($millions) | 7.9761% | 538 |
| Cash dividends to net income (ytd only)* | 21.3675% | 3,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 4,512 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 34.6479% | 6,011 |
| Net loans and leases to deposits | 41.0768% | 5,996 |
| Net loans and leases to core deposits | 46.0635% | 5,889 |
| Total domestic deposits to total assets | 84.3491% | 3,571 |
| Equity capital to assets | 12.5179% | 1,639 |
| Core capital (leverage) ratio | 12.6663% | 1,272 |
| Tier 1 risk-based capital ratio | 23.7224% | 983 |
| Total risk-based capital ratio | 24.5001% | 1,022 |
| Memoranda: | ||
| Average total assets | $71,057,800 | 5,254 |
| Average earning assets | $68,095,400 | 5,167 |
| Average equity | $8,739,600 | 5,039 |
| Average total loans | $24,123,800 | 5,818 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6846% | 6,338 |
| Cost of funding earning assets | 0.3782% | 4,041 |
| Net interest margin | 2.3064% | 6,339 |
| Noninterest income to average assets | 0.1486% | 6,023 |
| Noninterest expense to average assets | 1.6441% | 6,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6396% | 4,261 |
| Return on assets (ROA) | 0.6396% | 4,358 |
| Pretax return on assets | 0.7186% | 4,638 |
| Return on Equity (ROE) | 5.2238% | 4,615 |
| Retained earnings to average equity (ytd only) | 3.6874% | 4,016 |
| Net charge-offs to loans | 0.2011% | 1,855 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 10.6108% | 2,523 |
| Efficiency ratio | 69.5860% | 3,582 |
| Assets per employee ($millions) | 7.0902% | 781 |
| Cash dividends to net income (ytd only)* | 29.4119% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 4,615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 32.2290% | 6,175 |
| Net loans and leases to deposits | 37.8729% | 6,189 |
| Net loans and leases to core deposits | 42.0867% | 6,112 |
| Total domestic deposits to total assets | 85.0977% | 3,303 |
| Equity capital to assets | 12.5229% | 1,682 |
| Core capital (leverage) ratio | 12.4507% | 1,432 |
| Tier 1 risk-based capital ratio | 24.3464% | 949 |
| Total risk-based capital ratio | 25.1086% | 984 |
| Memoranda: | ||
| Average total assets | $70,876,000 | 5,319 |
| Average earning assets | $68,041,750 | 5,225 |
| Average equity | $8,678,000 | 5,095 |
| Average total loans | $23,867,250 | 5,891 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6579% | 6,418 |
| Cost of funding earning assets | 0.3826% | 4,069 |
| Net interest margin | 2.2753% | 6,424 |
| Noninterest income to average assets | 0.1496% | 6,061 |
| Noninterest expense to average assets | 1.6933% | 6,275 |
| Loan and lease loss provision to assets | 0.1016% | 2,326 |
| Net operating income to assets | 0.5136% | 4,750 |
| Return on assets (ROA) | 0.5136% | 4,846 |
| Pretax return on assets | 0.5362% | 5,172 |
| Return on Equity (ROE) | 4.2272% | 5,047 |
| Retained earnings to average equity (ytd only) | 1.9045% | 4,931 |
| Net charge-offs to loans | 0.8624% | 431 |
| Credit loss provision to net charge-offs | 34.6154% | 2,990 |
| Earnings coverage of net charge-offs (x) | 2.1731% | 3,616 |
| Efficiency ratio | 72.6392% | 3,218 |
| Assets per employee ($millions) | 7.1175% | 758 |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 5,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 33.3502% | 6,183 |
| Net loans and leases to deposits | 39.1532% | 6,185 |
| Net loans and leases to core deposits | 42.6940% | 6,122 |
| Total domestic deposits to total assets | 85.1788% | 3,416 |
| Equity capital to assets | 12.2740% | 1,794 |
| Core capital (leverage) ratio | 11.8725% | 1,732 |
| Tier 1 risk-based capital ratio | 23.4262% | 1,055 |
| Total risk-based capital ratio | 24.0854% | 1,121 |
| Memoranda: | ||
| Average total assets | $70,867,330 | 5,361 |
| Average earning assets | $67,948,330 | 5,271 |
| Average equity | $8,611,000 | 5,132 |
| Average total loans | $24,119,000 | 5,924 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6520% | 6,496 |
| Cost of funding earning assets | 0.3916% | 4,070 |
| Net interest margin | 2.2604% | 6,497 |
| Noninterest income to average assets | 0.1358% | 6,164 |
| Noninterest expense to average assets | 1.7818% | 6,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4921% | 4,726 |
| Return on assets (ROA) | 0.4921% | 4,807 |
| Pretax return on assets | 0.5091% | 5,143 |
| Return on Equity (ROE) | 4.0709% | 4,998 |
| Retained earnings to average equity (ytd only) | -0.6083% | 5,664 |
| Net charge-offs to loans | -0.1488% | 6,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7778% | 2,504 |
| Assets per employee ($millions) | 5.9934% | 1,307 |
| Cash dividends to net income (ytd only)* | 114.9425% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 3,467 |
| Loan loss allowance to noncurrent loans | 280.5310% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.1571% | 5,773 |
| Noncurrent loans to loans | 0.5094% | 4,640 |
| Net loans and leases to total assets | 30.4042% | 6,339 |
| Net loans and leases to deposits | 35.2143% | 6,342 |
| Net loans and leases to core deposits | 38.3074% | 6,305 |
| Total domestic deposits to total assets | 86.3406% | 3,188 |
| Equity capital to assets | 11.9186% | 1,927 |
| Core capital (leverage) ratio | 11.7911% | 1,767 |
| Tier 1 risk-based capital ratio | 24.6724% | 921 |
| Total risk-based capital ratio | 25.5996% | 942 |
| Memoranda: | ||
| Average total assets | $70,713,500 | 5,416 |
| Average earning assets | $67,422,000 | 5,337 |
| Average equity | $8,548,500 | 5,166 |
| Average total loans | $24,190,000 | 5,971 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6766% | 6,557 |
| Cost of funding earning assets | 0.4503% | 4,110 |
| Net interest margin | 2.2264% | 6,565 |
| Noninterest income to average assets | 0.1384% | 6,247 |
| Noninterest expense to average assets | 1.6087% | 6,512 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5814% | 4,351 |
| Return on assets (ROA) | 0.5814% | 4,465 |
| Pretax return on assets | 0.6513% | 4,697 |
| Return on Equity (ROE) | 4.9227% | 4,667 |
| Retained earnings to average equity (ytd only) | 4.9227% | 2,651 |
| Net charge-offs to loans | 0.2478% | 2,485 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 8.1754% | 2,712 |
| Efficiency ratio | 71.1812% | 3,632 |
| Assets per employee ($millions) | 6.3187% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 4,777 |
| Loan loss allowance to noncurrent loans | 272.5664% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 5,827 |
| Noncurrent loans to loans | 0.4314% | 4,916 |
| Net loans and leases to total assets | 37.2457% | 6,139 |
| Net loans and leases to deposits | 43.5612% | 6,145 |
| Net loans and leases to core deposits | 47.6820% | 6,052 |
| Total domestic deposits to total assets | 85.5020% | 3,506 |
| Equity capital to assets | 12.2651% | 1,641 |
| Core capital (leverage) ratio | 11.9517% | 1,642 |
| Tier 1 risk-based capital ratio | 22.4410% | 1,182 |
| Total risk-based capital ratio | 23.2592% | 1,233 |
| Memoranda: | ||
| Average total assets | $71,548,200 | 5,428 |
| Average earning assets | $68,182,400 | 5,346 |
| Average equity | $8,450,600 | 5,227 |
| Average total loans | $23,003,400 | 6,080 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6232% | 6,655 |
| Cost of funding earning assets | 0.4556% | 4,211 |
| Net interest margin | 2.1676% | 6,666 |
| Noninterest income to average assets | 0.1351% | 6,347 |
| Noninterest expense to average assets | 1.5968% | 6,558 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5532% | 4,570 |
| Return on assets (ROA) | 0.5532% | 4,716 |
| Pretax return on assets | 0.6069% | 4,987 |
| Return on Equity (ROE) | 4.7279% | 4,860 |
| Retained earnings to average equity (ytd only) | 4.7279% | 3,286 |
| Net charge-offs to loans | -0.0360% | 6,209 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4601% | 3,323 |
| Assets per employee ($millions) | 6.5916% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6057% | 2,980 |
| Loan loss allowance to noncurrent loans | 242.4837% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.2110% | 5,810 |
| Noncurrent loans to loans | 0.6622% | 4,546 |
| Net loans and leases to total assets | 31.3538% | 6,481 |
| Net loans and leases to deposits | 36.3738% | 6,496 |
| Net loans and leases to core deposits | 39.6201% | 6,459 |
| Total domestic deposits to total assets | 86.1988% | 3,138 |
| Equity capital to assets | 11.6842% | 2,140 |
| Core capital (leverage) ratio | 11.6857% | 1,898 |
| Tier 1 risk-based capital ratio | 23.4037% | 1,082 |
| Total risk-based capital ratio | 24.4459% | 1,093 |
| Memoranda: | ||
| Average total assets | $72,058,750 | 5,470 |
| Average earning assets | $68,770,000 | 5,387 |
| Average equity | $8,432,000 | 5,289 |
| Average total loans | $22,205,250 | 6,175 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6155% | 6,700 |
| Cost of funding earning assets | 0.4641% | 4,268 |
| Net interest margin | 2.1514% | 6,708 |
| Noninterest income to average assets | 0.1335% | 6,388 |
| Noninterest expense to average assets | 1.5686% | 6,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5590% | 4,505 |
| Return on assets (ROA) | 0.5590% | 4,677 |
| Pretax return on assets | 0.6147% | 4,972 |
| Return on Equity (ROE) | 4.7751% | 4,845 |
| Retained earnings to average equity (ytd only) | 4.7751% | 3,203 |
| Net charge-offs to loans | -0.0365% | 6,146 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8471% | 3,499 |
| Assets per employee ($millions) | 6.5429% | 885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7297% | 2,671 |
| Loan loss allowance to noncurrent loans | 241.1765% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.2126% | 5,862 |
| Noncurrent loans to loans | 0.7172% | 4,492 |
| Net loans and leases to total assets | 29.1280% | 6,607 |
| Net loans and leases to deposits | 33.6398% | 6,623 |
| Net loans and leases to core deposits | 36.4173% | 6,590 |
| Total domestic deposits to total assets | 86.5878% | 3,067 |
| Equity capital to assets | 11.5198% | 2,273 |
| Core capital (leverage) ratio | 11.4680% | 1,958 |
| Tier 1 risk-based capital ratio | 25.6840% | 804 |
| Total risk-based capital ratio | 26.8351% | 796 |
| Memoranda: | ||
| Average total assets | $71,909,000 | 5,512 |
| Average earning assets | $68,513,330 | 5,436 |
| Average equity | $8,418,670 | 5,332 |
| Average total loans | $21,905,330 | 6,227 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6612% | 6,752 |
| Cost of funding earning assets | 0.4748% | 4,329 |
| Net interest margin | 2.1864% | 6,764 |
| Noninterest income to average assets | 0.1280% | 6,456 |
| Noninterest expense to average assets | 1.5972% | 6,669 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5509% | 4,451 |
| Return on assets (ROA) | 0.5509% | 4,604 |
| Pretax return on assets | 0.6066% | 4,920 |
| Return on Equity (ROE) | 4.6684% | 4,755 |
| Retained earnings to average equity (ytd only) | 4.6684% | 3,433 |
| Net charge-offs to loans | -0.0360% | 5,982 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4747% | 3,524 |
| Assets per employee ($millions) | 6.5942% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8160% | 2,565 |
| Loan loss allowance to noncurrent loans | 242.1053% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.2096% | 5,940 |
| Noncurrent loans to loans | 0.7501% | 4,628 |
| Net loans and leases to total assets | 27.4291% | 6,685 |
| Net loans and leases to deposits | 31.8295% | 6,694 |
| Net loans and leases to core deposits | 34.1697% | 6,667 |
| Total domestic deposits to total assets | 86.1751% | 3,437 |
| Equity capital to assets | 11.7169% | 2,242 |
| Core capital (leverage) ratio | 11.3864% | 1,954 |
| Tier 1 risk-based capital ratio | 27.1785% | 691 |
| Total risk-based capital ratio | 28.4086% | 681 |
| Memoranda: | ||
| Average total assets | $71,877,500 | 5,564 |
| Average earning assets | $68,239,500 | 5,484 |
| Average equity | $8,482,500 | 5,365 |
| Average total loans | $22,191,500 | 6,265 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0465% | 6,750 |
| Cost of funding earning assets | 0.5907% | 4,432 |
| Net interest margin | 2.4557% | 6,737 |
| Noninterest income to average assets | 0.1405% | 6,332 |
| Noninterest expense to average assets | 1.7247% | 6,700 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6234% | 4,123 |
| Return on assets (ROA) | 0.6359% | 4,326 |
| Pretax return on assets | 0.7197% | 4,595 |
| Return on Equity (ROE) | 5.3349% | 4,514 |
| Retained earnings to average equity (ytd only) | 2.9532% | 4,148 |
| Net charge-offs to loans | -0.1566% | 6,903 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9696% | 3,627 |
| Assets per employee ($millions) | 6.4745% | 1,019 |
| Cash dividends to net income (ytd only)* | 44.6429% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5133% | 3,693 |
| Loan loss allowance to noncurrent loans | 207.3864% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.2471% | 5,931 |
| Noncurrent loans to loans | 0.7297% | 4,720 |
| Net loans and leases to total assets | 33.3535% | 6,575 |
| Net loans and leases to deposits | 39.1819% | 6,588 |
| Net loans and leases to core deposits | 42.1469% | 6,540 |
| Total domestic deposits to total assets | 85.1248% | 3,807 |
| Equity capital to assets | 11.8873% | 2,122 |
| Core capital (leverage) ratio | 11.4699% | 1,900 |
| Tier 1 risk-based capital ratio | 22.8825% | 1,126 |
| Total risk-based capital ratio | 23.9224% | 1,138 |
| Memoranda: | ||
| Average total assets | $70,448,000 | 5,620 |
| Average earning assets | $65,682,600 | 5,563 |
| Average equity | $8,397,600 | 5,390 |
| Average total loans | $22,354,400 | 6,329 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0742% | 6,864 |
| Cost of funding earning assets | 0.6079% | 4,567 |
| Net interest margin | 2.4663% | 6,849 |
| Noninterest income to average assets | 0.1328% | 6,474 |
| Noninterest expense to average assets | 1.6511% | 6,827 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6696% | 4,045 |
| Return on assets (ROA) | 0.6794% | 4,274 |
| Pretax return on assets | 0.7876% | 4,543 |
| Return on Equity (ROE) | 5.6956% | 4,488 |
| Retained earnings to average equity (ytd only) | 4.1046% | 4,013 |
| Net charge-offs to loans | -0.2008% | 6,991 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0219% | 4,062 |
| Assets per employee ($millions) | 6.4844% | 963 |
| Cash dividends to net income (ytd only)* | 27.9330% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6498% | 3,330 |
| Loan loss allowance to noncurrent loans | 238.8158% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 6,177 |
| Noncurrent loans to loans | 0.6908% | 5,057 |
| Net loans and leases to total assets | 30.3387% | 6,804 |
| Net loans and leases to deposits | 35.5436% | 6,825 |
| Net loans and leases to core deposits | 38.5664% | 6,789 |
| Total domestic deposits to total assets | 85.3564% | 3,588 |
| Equity capital to assets | 11.9350% | 2,319 |
| Core capital (leverage) ratio | 11.4521% | 2,022 |
| Tier 1 risk-based capital ratio | 23.3386% | 1,124 |
| Total risk-based capital ratio | 24.3920% | 1,131 |
| Memoranda: | ||
| Average total assets | $70,255,250 | 5,687 |
| Average earning assets | $65,360,000 | 5,630 |
| Average equity | $8,380,500 | 5,447 |
| Average total loans | $21,913,250 | 6,427 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0697% | 6,949 |
| Cost of funding earning assets | 0.6176% | 4,740 |
| Net interest margin | 2.4521% | 6,928 |
| Noninterest income to average assets | 0.1345% | 6,515 |
| Noninterest expense to average assets | 1.6825% | 6,852 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6489% | 4,116 |
| Return on assets (ROA) | 0.6638% | 4,307 |
| Pretax return on assets | 0.7640% | 4,589 |
| Return on Equity (ROE) | 5.5660% | 4,544 |
| Retained earnings to average equity (ytd only) | 3.1669% | 4,511 |
| Net charge-offs to loans | -0.2833% | 7,062 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2580% | 3,886 |
| Assets per employee ($millions) | 6.5090% | 950 |
| Cash dividends to net income (ytd only)* | 43.1034% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6915% | 3,257 |
| Loan loss allowance to noncurrent loans | 235.9477% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 6,245 |
| Noncurrent loans to loans | 0.7169% | 5,074 |
| Net loans and leases to total assets | 29.3035% | 6,891 |
| Net loans and leases to deposits | 34.2446% | 6,914 |
| Net loans and leases to core deposits | 37.1266% | 6,888 |
| Total domestic deposits to total assets | 85.5710% | 3,580 |
| Equity capital to assets | 11.7460% | 2,370 |
| Core capital (leverage) ratio | 11.1267% | 2,179 |
| Tier 1 risk-based capital ratio | 23.6080% | 1,065 |
| Total risk-based capital ratio | 24.6846% | 1,065 |
| Memoranda: | ||
| Average total assets | $69,897,670 | 5,734 |
| Average earning assets | $65,412,670 | 5,664 |
| Average equity | $8,336,330 | 5,468 |
| Average total loans | $21,883,330 | 6,475 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1458% | 6,981 |
| Cost of funding earning assets | 0.6464% | 4,763 |
| Net interest margin | 2.4994% | 6,952 |
| Noninterest income to average assets | 0.1448% | 6,516 |
| Noninterest expense to average assets | 1.7669% | 6,831 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6360% | 4,193 |
| Return on assets (ROA) | 0.6662% | 4,261 |
| Pretax return on assets | 0.7647% | 4,552 |
| Return on Equity (ROE) | 5.5425% | 4,528 |
| Retained earnings to average equity (ytd only) | 0.7229% | 5,771 |
| Net charge-offs to loans | -0.6500% | 7,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7657% | 3,664 |
| Assets per employee ($millions) | 6.4697% | 999 |
| Cash dividends to net income (ytd only)* | 86.9565% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7981% | 3,001 |
| Loan loss allowance to noncurrent loans | 228.7500% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 6,322 |
| Noncurrent loans to loans | 0.7860% | 5,099 |
| Net loans and leases to total assets | 28.0875% | 6,978 |
| Net loans and leases to deposits | 32.7067% | 6,992 |
| Net loans and leases to core deposits | 35.4553% | 6,959 |
| Total domestic deposits to total assets | 85.8769% | 3,604 |
| Equity capital to assets | 11.6515% | 2,301 |
| Core capital (leverage) ratio | 11.3733% | 1,987 |
| Tier 1 risk-based capital ratio | 23.9931% | 1,006 |
| Total risk-based capital ratio | 25.1192% | 1,012 |
| Memoranda: | ||
| Average total assets | $69,047,000 | 5,799 |
| Average earning assets | $64,975,500 | 5,721 |
| Average equity | $8,299,500 | 5,497 |
| Average total loans | $22,154,000 | 6,502 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4656% | 7,010 |
| Cost of funding earning assets | 0.7781% | 5,013 |
| Net interest margin | 2.6874% | 6,933 |
| Noninterest income to average assets | 0.1863% | 6,166 |
| Noninterest expense to average assets | 1.7357% | 7,027 |
| Loan and lease loss provision to assets | 0.4241% | 2,470 |
| Net operating income to assets | 0.5395% | 4,277 |
| Return on assets (ROA) | 0.5468% | 4,437 |
| Pretax return on assets | 0.5710% | 4,778 |
| Return on Equity (ROE) | 4.5202% | 4,621 |
| Retained earnings to average equity (ytd only) | 2.9550% | 4,134 |
| Net charge-offs to loans | 1.3193% | 1,248 |
| Credit loss provision to net charge-offs | 88.8889% | 4,059 |
| Earnings coverage of net charge-offs (x) | 2.0698% | 4,229 |
| Efficiency ratio | 63.7375% | 5,173 |
| Assets per employee ($millions) | 6.0843% | 1,171 |
| Cash dividends to net income (ytd only)* | 34.6260% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3777% | 4,569 |
| Loan loss allowance to noncurrent loans | 206.2500% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 6,372 |
| Noncurrent loans to loans | 0.6680% | 5,368 |
| Net loans and leases to total assets | 35.2967% | 6,800 |
| Net loans and leases to deposits | 42.3632% | 6,790 |
| Net loans and leases to core deposits | 46.0541% | 6,736 |
| Total domestic deposits to total assets | 83.3191% | 4,615 |
| Equity capital to assets | 12.4120% | 1,849 |
| Core capital (leverage) ratio | 11.6506% | 1,790 |
| Tier 1 risk-based capital ratio | 22.5329% | 1,158 |
| Total risk-based capital ratio | 23.4882% | 1,178 |
| Memoranda: | ||
| Average total assets | $66,025,200 | 5,863 |
| Average earning assets | $62,327,600 | 5,794 |
| Average equity | $7,986,400 | 5,572 |
| Average total loans | $23,876,600 | 6,470 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4768% | 7,095 |
| Cost of funding earning assets | 0.7965% | 5,174 |
| Net interest margin | 2.6803% | 7,005 |
| Noninterest income to average assets | 0.1925% | 6,213 |
| Noninterest expense to average assets | 1.7001% | 7,098 |
| Loan and lease loss provision to assets | 0.5187% | 1,909 |
| Net operating income to assets | 0.4904% | 4,579 |
| Return on assets (ROA) | 0.4904% | 4,769 |
| Pretax return on assets | 0.4964% | 5,174 |
| Return on Equity (ROE) | 4.0811% | 4,961 |
| Retained earnings to average equity (ytd only) | 1.9731% | 5,150 |
| Net charge-offs to loans | 1.6263% | 863 |
| Credit loss provision to net charge-offs | 87.9725% | 3,850 |
| Earnings coverage of net charge-offs (x) | 1.7216% | 4,362 |
| Efficiency ratio | 62.6119% | 5,312 |
| Assets per employee ($millions) | 6.1640% | 1,114 |
| Cash dividends to net income (ytd only)* | 51.6519% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 4,301 |
| Loan loss allowance to noncurrent loans | 185.3933% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 6,404 |
| Noncurrent loans to loans | 0.7865% | 5,306 |
| Net loans and leases to total assets | 32.8919% | 6,999 |
| Net loans and leases to deposits | 38.7854% | 7,011 |
| Net loans and leases to core deposits | 42.0396% | 6,983 |
| Total domestic deposits to total assets | 84.8047% | 3,867 |
| Equity capital to assets | 12.1586% | 2,139 |
| Core capital (leverage) ratio | 11.5875% | 1,965 |
| Tier 1 risk-based capital ratio | 23.4225% | 1,086 |
| Total risk-based capital ratio | 24.4309% | 1,105 |
| Memoranda: | ||
| Average total assets | $65,799,750 | 5,918 |
| Average earning assets | $61,932,500 | 5,847 |
| Average equity | $7,906,250 | 5,631 |
| Average total loans | $23,857,500 | 6,539 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4890% | 7,163 |
| Cost of funding earning assets | 0.8079% | 5,316 |
| Net interest margin | 2.6811% | 7,049 |
| Noninterest income to average assets | 0.1996% | 6,240 |
| Noninterest expense to average assets | 1.7349% | 7,148 |
| Loan and lease loss provision to assets | 0.7861% | 1,175 |
| Net operating income to assets | 0.3040% | 5,362 |
| Return on assets (ROA) | 0.3040% | 5,495 |
| Pretax return on assets | 0.2057% | 5,926 |
| Return on Equity (ROE) | 2.5405% | 5,588 |
| Retained earnings to average equity (ytd only) | -0.6672% | 5,995 |
| Net charge-offs to loans | 2.3984% | 515 |
| Credit loss provision to net charge-offs | 87.9725% | 3,516 |
| Earnings coverage of net charge-offs (x) | 1.1100% | 4,446 |
| Efficiency ratio | 63.6261% | 5,316 |
| Assets per employee ($millions) | 6.1745% | 1,079 |
| Cash dividends to net income (ytd only)* | 126.2626% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4801% | 4,221 |
| Loan loss allowance to noncurrent loans | 183.3333% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 6,468 |
| Noncurrent loans to loans | 0.8073% | 5,307 |
| Net loans and leases to total assets | 32.3415% | 7,105 |
| Net loans and leases to deposits | 37.8020% | 7,125 |
| Net loans and leases to core deposits | 40.1829% | 7,122 |
| Total domestic deposits to total assets | 85.5549% | 3,592 |
| Equity capital to assets | 11.7463% | 2,289 |
| Core capital (leverage) ratio | 11.1841% | 2,125 |
| Tier 1 risk-based capital ratio | 23.2483% | 1,085 |
| Total risk-based capital ratio | 24.2683% | 1,101 |
| Memoranda: | ||
| Average total assets | $65,131,670 | 5,982 |
| Average earning assets | $61,392,670 | 5,916 |
| Average equity | $7,793,670 | 5,674 |
| Average total loans | $24,266,000 | 6,575 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5675% | 7,164 |
| Cost of funding earning assets | 0.8253% | 5,427 |
| Net interest margin | 2.7422% | 6,975 |
| Noninterest income to average assets | 0.2008% | 6,288 |
| Noninterest expense to average assets | 1.8262% | 7,107 |
| Loan and lease loss provision to assets | 0.6589% | 1,297 |
| Net operating income to assets | 0.3640% | 5,103 |
| Return on assets (ROA) | 0.3640% | 5,187 |
| Pretax return on assets | 0.3012% | 5,643 |
| Return on Equity (ROE) | 3.0124% | 5,364 |
| Retained earnings to average equity (ytd only) | -3.4798% | 6,363 |
| Net charge-offs to loans | 2.2177% | 547 |
| Credit loss provision to net charge-offs | 75.0000% | 3,253 |
| Earnings coverage of net charge-offs (x) | 1.0929% | 3,844 |
| Efficiency ratio | 65.5405% | 5,119 |
| Assets per employee ($millions) | 5.9949% | 1,191 |
| Cash dividends to net income (ytd only)* | 215.5172% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 4,631 |
| Loan loss allowance to noncurrent loans | 108.1967% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.4625% | 6,060 |
| Noncurrent loans to loans | 1.3005% | 4,527 |
| Net loans and leases to total assets | 35.0631% | 7,050 |
| Net loans and leases to deposits | 40.8718% | 7,064 |
| Net loans and leases to core deposits | 43.5098% | 7,053 |
| Total domestic deposits to total assets | 85.7879% | 3,643 |
| Equity capital to assets | 11.6402% | 2,169 |
| Core capital (leverage) ratio | 11.6324% | 1,782 |
| Tier 1 risk-based capital ratio | 22.7552% | 1,116 |
| Total risk-based capital ratio | 23.7590% | 1,124 |
| Memoranda: | ||
| Average total assets | $63,738,000 | 6,069 |
| Average earning assets | $60,097,500 | 5,994 |
| Average equity | $7,701,500 | 5,706 |
| Average total loans | $25,251,000 | 6,576 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1005% | 7,047 |
| Cost of funding earning assets | 1.0404% | 5,480 |
| Net interest margin | 3.0601% | 6,619 |
| Noninterest income to average assets | 0.2032% | 6,331 |
| Noninterest expense to average assets | 2.0068% | 7,011 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8992% | 2,388 |
| Return on assets (ROA) | 0.8992% | 2,522 |
| Pretax return on assets | 1.0804% | 2,657 |
| Return on Equity (ROE) | 7.0524% | 3,092 |
| Retained earnings to average equity (ytd only) | 5.7242% | 1,978 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0027% | 5,164 |
| Assets per employee ($millions) | 5.5938% | 1,502 |
| Cash dividends to net income (ytd only)* | 18.8324% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 4,750 |
| Loan loss allowance to noncurrent loans | 119.2810% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.4973% | 6,035 |
| Noncurrent loans to loans | 1.1312% | 4,849 |
| Net loans and leases to total assets | 43.3677% | 6,760 |
| Net loans and leases to deposits | 51.0444% | 6,804 |
| Net loans and leases to core deposits | 54.8950% | 6,758 |
| Total domestic deposits to total assets | 84.9607% | 3,865 |
| Equity capital to assets | 12.5577% | 1,597 |
| Core capital (leverage) ratio | 12.1538% | 1,458 |
| Tier 1 risk-based capital ratio | 21.9700% | 1,179 |
| Total risk-based capital ratio | 23.0324% | 1,183 |
| Memoranda: | ||
| Average total assets | $59,049,800 | 6,239 |
| Average earning assets | $55,652,400 | 6,147 |
| Average equity | $7,529,400 | 5,864 |
| Average total loans | $26,032,000 | 6,615 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1912% | 7,101 |
| Cost of funding earning assets | 1.0794% | 5,552 |
| Net interest margin | 3.1118% | 6,584 |
| Noninterest income to average assets | 0.2008% | 6,463 |
| Noninterest expense to average assets | 1.9921% | 7,062 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9219% | 2,530 |
| Return on assets (ROA) | 0.9219% | 2,666 |
| Pretax return on assets | 1.1295% | 2,734 |
| Return on Equity (ROE) | 7.2012% | 3,256 |
| Retained earnings to average equity (ytd only) | 5.4187% | 2,698 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8158% | 5,277 |
| Assets per employee ($millions) | 5.5422% | 1,595 |
| Cash dividends to net income (ytd only)* | 24.7526% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4924% | 4,000 |
| Loan loss allowance to noncurrent loans | 119.2810% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.5019% | 6,176 |
| Noncurrent loans to loans | 1.2511% | 4,763 |
| Net loans and leases to total assets | 39.5200% | 7,100 |
| Net loans and leases to deposits | 46.7535% | 7,142 |
| Net loans and leases to core deposits | 50.3185% | 7,113 |
| Total domestic deposits to total assets | 84.5286% | 3,857 |
| Equity capital to assets | 12.7469% | 1,718 |
| Core capital (leverage) ratio | 12.3685% | 1,472 |
| Tier 1 risk-based capital ratio | 23.1059% | 1,051 |
| Total risk-based capital ratio | 24.2425% | 1,042 |
| Memoranda: | ||
| Average total assets | $58,429,250 | 6,329 |
| Average earning assets | $54,843,250 | 6,247 |
| Average equity | $7,480,000 | 5,953 |
| Average total loans | $25,777,500 | 6,715 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2439% | 7,122 |
| Cost of funding earning assets | 1.1045% | 5,646 |
| Net interest margin | 3.1394% | 6,493 |
| Noninterest income to average assets | 0.1980% | 6,487 |
| Noninterest expense to average assets | 2.0214% | 7,072 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9134% | 2,504 |
| Return on assets (ROA) | 0.9134% | 2,608 |
| Pretax return on assets | 1.1184% | 2,719 |
| Return on Equity (ROE) | 7.1245% | 3,244 |
| Retained earnings to average equity (ytd only) | 4.4155% | 3,266 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3805% | 5,262 |
| Assets per employee ($millions) | 5.0598% | 2,109 |
| Cash dividends to net income (ytd only)* | 38.0228% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3465% | 4,696 |
| Loan loss allowance to noncurrent loans | 120.0658% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.5007% | 6,209 |
| Noncurrent loans to loans | 1.1215% | 5,081 |
| Net loans and leases to total assets | 44.0437% | 6,916 |
| Net loans and leases to deposits | 51.8306% | 6,988 |
| Net loans and leases to core deposits | 55.4790% | 6,967 |
| Total domestic deposits to total assets | 84.9762% | 3,641 |
| Equity capital to assets | 12.4067% | 1,860 |
| Core capital (leverage) ratio | 12.1908% | 1,546 |
| Tier 1 risk-based capital ratio | 20.5848% | 1,412 |
| Total risk-based capital ratio | 21.6170% | 1,420 |
| Memoranda: | ||
| Average total assets | $57,584,330 | 6,410 |
| Average earning assets | $53,959,670 | 6,326 |
| Average equity | $7,383,000 | 6,005 |
| Average total loans | $26,217,330 | 6,733 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3016% | 7,130 |
| Cost of funding earning assets | 1.1002% | 5,912 |
| Net interest margin | 3.2013% | 6,289 |
| Noninterest income to average assets | 0.1928% | 6,585 |
| Noninterest expense to average assets | 2.0922% | 6,962 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8926% | 2,577 |
| Return on assets (ROA) | 0.8926% | 2,650 |
| Pretax return on assets | 1.0925% | 2,759 |
| Return on Equity (ROE) | 6.8418% | 3,422 |
| Retained earnings to average equity (ytd only) | 1.3684% | 5,262 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6951% | 5,184 |
| Assets per employee ($millions) | 4.8438% | 2,445 |
| Cash dividends to net income (ytd only)* | 80.0000% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 4,488 |
| Loan loss allowance to noncurrent loans | 120.8609% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.5196% | 6,197 |
| Noncurrent loans to loans | 1.1465% | 5,079 |
| Net loans and leases to total assets | 44.6891% | 6,936 |
| Net loans and leases to deposits | 52.6971% | 7,000 |
| Net loans and leases to core deposits | 56.2690% | 6,978 |
| Total domestic deposits to total assets | 84.8037% | 3,758 |
| Equity capital to assets | 12.5314% | 1,741 |
| Core capital (leverage) ratio | 12.6101% | 1,367 |
| Tier 1 risk-based capital ratio | 20.8582% | 1,364 |
| Total risk-based capital ratio | 21.9243% | 1,373 |
| Memoranda: | ||
| Average total assets | $56,018,000 | 6,534 |
| Average earning assets | $52,353,000 | 6,464 |
| Average equity | $7,308,000 | 6,082 |
| Average total loans | $25,772,500 | 6,836 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6848% | 7,162 |
| Cost of funding earning assets | 1.2842% | 6,364 |
| Net interest margin | 3.4007% | 5,361 |
| Noninterest income to average assets | -0.1591% | 7,839 |
| Noninterest expense to average assets | 2.2351% | 6,902 |
| Loan and lease loss provision to assets | 0.1994% | 5,744 |
| Net operating income to assets | 0.5827% | 3,392 |
| Return on assets (ROA) | 0.5827% | 3,468 |
| Pretax return on assets | 0.6096% | 3,879 |
| Return on Equity (ROE) | 4.2489% | 3,987 |
| Retained earnings to average equity (ytd only) | 4.2489% | 2,248 |
| Net charge-offs to loans | 0.0498% | 6,603 |
| Credit loss provision to net charge-offs | 866.6667% | 338 |
| Earnings coverage of net charge-offs (x) | 35.1667% | 670 |
| Efficiency ratio | 73.4257% | 4,013 |
| Assets per employee ($millions) | 4.4925% | 2,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4482% | 3,987 |
| Loan loss allowance to noncurrent loans | 124.1497% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 6,082 |
| Noncurrent loans to loans | 1.1665% | 4,994 |
| Net loans and leases to total assets | 46.0749% | 6,962 |
| Net loans and leases to deposits | 53.7815% | 7,065 |
| Net loans and leases to core deposits | 64.7355% | 7,044 |
| Total domestic deposits to total assets | 85.6706% | 3,186 |
| Equity capital to assets | 13.6004% | 1,277 |
| Core capital (leverage) ratio | 13.2770% | 1,169 |
| Tier 1 risk-based capital ratio | 22.1672% | 1,130 |
| Total risk-based capital ratio | 23.3041% | 1,118 |
| Memoranda: | ||
| Average total assets | $52,168,800 | 6,631 |
| Average earning assets | $49,137,200 | 6,559 |
| Average equity | $7,154,800 | 6,218 |
| Average total loans | $24,117,400 | 6,966 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6936% | 7,296 |
| Cost of funding earning assets | 1.3250% | 6,474 |
| Net interest margin | 3.3686% | 5,384 |
| Noninterest income to average assets | -0.2912% | 8,014 |
| Noninterest expense to average assets | 2.2035% | 6,965 |
| Loan and lease loss provision to assets | 0.2680% | 4,820 |
| Net operating income to assets | 0.4484% | 4,202 |
| Return on assets (ROA) | 0.4484% | 4,303 |
| Pretax return on assets | 0.4149% | 4,759 |
| Return on Equity (ROE) | 3.2626% | 4,675 |
| Retained earnings to average equity (ytd only) | 3.2626% | 3,490 |
| Net charge-offs to loans | 0.9282% | 2,111 |
| Credit loss provision to net charge-offs | 62.6506% | 6,129 |
| Earnings coverage of net charge-offs (x) | 1.5963% | 4,606 |
| Efficiency ratio | 76.3393% | 3,445 |
| Assets per employee ($millions) | 4.3272% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 6,868 |
| Loan loss allowance to noncurrent loans | 48.5057% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 0.8377% | 5,414 |
| Noncurrent loans to loans | 1.8005% | 3,910 |
| Net loans and leases to total assets | 46.1214% | 7,104 |
| Net loans and leases to deposits | 54.1980% | 7,199 |
| Net loans and leases to core deposits | 66.2251% | 7,151 |
| Total domestic deposits to total assets | 85.0980% | 3,176 |
| Equity capital to assets | 14.0084% | 1,303 |
| Core capital (leverage) ratio | 13.1200% | 1,347 |
| Tier 1 risk-based capital ratio | 22.7069% | 1,146 |
| Total risk-based capital ratio | 23.3927% | 1,187 |
| Memoranda: | ||
| Average total assets | $51,733,500 | 6,697 |
| Average earning assets | $48,802,500 | 6,620 |
| Average equity | $7,110,500 | 6,285 |
| Average total loans | $23,845,750 | 7,041 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6882% | 7,407 |
| Cost of funding earning assets | 1.3712% | 6,580 |
| Net interest margin | 3.3171% | 5,486 |
| Noninterest income to average assets | -0.5535% | 8,123 |
| Noninterest expense to average assets | 2.2180% | 7,012 |
| Loan and lease loss provision to assets | 0.4026% | 3,512 |
| Net operating income to assets | 0.1587% | 5,397 |
| Return on assets (ROA) | 0.1587% | 5,491 |
| Pretax return on assets | -0.0464% | 5,931 |
| Return on Equity (ROE) | 1.1621% | 5,587 |
| Retained earnings to average equity (ytd only) | 1.1621% | 4,690 |
| Net charge-offs to loans | 1.4742% | 1,286 |
| Credit loss provision to net charge-offs | 59.4286% | 5,601 |
| Earnings coverage of net charge-offs (x) | 0.5257% | 5,179 |
| Efficiency ratio | 86.1654% | 2,215 |
| Assets per employee ($millions) | 4.3698% | 2,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8321% | 7,045 |
| Loan loss allowance to noncurrent loans | 50.6297% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 0.7571% | 5,507 |
| Noncurrent loans to loans | 1.6434% | 4,031 |
| Net loans and leases to total assets | 45.6844% | 7,218 |
| Net loans and leases to deposits | 53.3434% | 7,319 |
| Net loans and leases to core deposits | 64.7775% | 7,262 |
| Total domestic deposits to total assets | 85.6421% | 2,944 |
| Equity capital to assets | 13.5112% | 1,490 |
| Core capital (leverage) ratio | 13.1361% | 1,388 |
| Tier 1 risk-based capital ratio | 22.4163% | 1,198 |
| Total risk-based capital ratio | 23.0737% | 1,249 |
| Memoranda: | ||
| Average total assets | $51,669,330 | 6,765 |
| Average earning assets | $48,717,670 | 6,681 |
| Average equity | $7,056,000 | 6,350 |
| Average total loans | $23,741,000 | 7,103 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7311% | 7,459 |
| Cost of funding earning assets | 1.4027% | 6,725 |
| Net interest margin | 3.3284% | 5,406 |
| Noninterest income to average assets | -0.8580% | 8,210 |
| Noninterest expense to average assets | 2.1683% | 6,957 |
| Loan and lease loss provision to assets | 0.8268% | 1,569 |
| Net operating income to assets | -0.2964% | 6,674 |
| Return on assets (ROA) | -0.2964% | 6,750 |
| Pretax return on assets | -0.7254% | 6,984 |
| Return on Equity (ROE) | -2.1586% | 6,680 |
| Retained earnings to average equity (ytd only) | -2.1586% | 6,132 |
| Net charge-offs to loans | 2.9915% | 425 |
| Credit loss provision to net charge-offs | 60.2273% | 4,512 |
| Earnings coverage of net charge-offs (x) | 0.0739% | 4,921 |
| Efficiency ratio | 95.5326% | 1,342 |
| Assets per employee ($millions) | 4.3241% | 3,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9047% | 6,729 |
| Loan loss allowance to noncurrent loans | 48.7981% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 1.3182% | 4,031 |
| Noncurrent loans to loans | 1.8540% | 3,485 |
| Net loans and leases to total assets | 42.8511% | 7,419 |
| Net loans and leases to deposits | 50.0473% | 7,490 |
| Net loans and leases to core deposits | 63.9323% | 7,321 |
| Total domestic deposits to total assets | 85.6212% | 2,911 |
| Equity capital to assets | 13.5347% | 1,522 |
| Core capital (leverage) ratio | 13.5939% | 1,300 |
| Tier 1 risk-based capital ratio | 22.5838% | 1,231 |
| Total risk-based capital ratio | 23.2605% | 1,271 |
| Memoranda: | ||
| Average total assets | $51,285,000 | 6,807 |
| Average earning assets | $48,191,500 | 6,739 |
| Average equity | $7,041,500 | 6,390 |
| Average total loans | $23,533,000 | 7,153 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3661% | 7,511 |
| Cost of funding earning assets | 1.9536% | 6,556 |
| Net interest margin | 3.4125% | 5,606 |
| Noninterest income to average assets | 0.2416% | 6,715 |
| Noninterest expense to average assets | 2.1082% | 7,218 |
| Loan and lease loss provision to assets | 1.5021% | 898 |
| Net operating income to assets | 0.0745% | 6,168 |
| Return on assets (ROA) | 0.0745% | 6,018 |
| Pretax return on assets | -0.1470% | 6,319 |
| Return on Equity (ROE) | 0.5222% | 6,064 |
| Retained earnings to average equity (ytd only) | -0.8892% | 5,568 |
| Net charge-offs to loans | 2.9215% | 306 |
| Credit loss provision to net charge-offs | 106.1166% | 5,047 |
| Earnings coverage of net charge-offs (x) | 0.9573% | 5,652 |
| Efficiency ratio | 60.8721% | 6,187 |
| Assets per employee ($millions) | 4.2234% | 3,075 |
| Cash dividends to net income (ytd only)* | 270.2703% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 5,210 |
| Loan loss allowance to noncurrent loans | 48.8372% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 1.9100% | 2,568 |
| Noncurrent loans to loans | 2.2698% | 2,431 |
| Net loans and leases to total assets | 48.0555% | 7,184 |
| Net loans and leases to deposits | 56.3695% | 7,291 |
| Net loans and leases to core deposits | 69.8672% | 7,195 |
| Total domestic deposits to total assets | 85.2509% | 2,726 |
| Equity capital to assets | 13.9303% | 1,448 |
| Core capital (leverage) ratio | 13.5554% | 1,369 |
| Tier 1 risk-based capital ratio | 21.4720% | 1,399 |
| Total risk-based capital ratio | 22.3325% | 1,420 |
| Memoranda: | ||
| Average total assets | $49,663,000 | 6,788 |
| Average earning assets | $46,886,600 | 6,719 |
| Average equity | $7,084,800 | 6,430 |
| Average total loans | $24,063,200 | 7,074 |