Home > The First National Bank of Nash > Performance and Condition Ratios
The First National Bank of Nash, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4704% | 6,002 |
| Cost of funding earning assets | 0.0858% | 6,016 |
| Net interest margin | 2.3846% | 5,899 |
| Noninterest income to average assets | 0.3278% | 4,557 |
| Noninterest expense to average assets | 2.2287% | 4,983 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1748% | 5,634 |
| Return on assets (ROA) | 0.1748% | 5,683 |
| Pretax return on assets | 0.2240% | 5,658 |
| Return on Equity (ROE) | 2.2580% | 5,507 |
| Retained earnings to average equity (ytd only) | 2.2580% | 4,436 |
| Net charge-offs to loans | 0.3664% | 795 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.0500% | 3,984 |
| Efficiency ratio | 90.8686% | 640 |
| Assets per employee ($millions) | 4.2445% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3245% | 6,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 27.1410% | 5,957 |
| Net loans and leases to deposits | 29.6506% | 5,995 |
| Net loans and leases to core deposits | 29.6506% | 6,009 |
| Total domestic deposits to total assets | 91.5361% | 172 |
| Equity capital to assets | 8.4050% | 5,625 |
| Core capital (leverage) ratio | 7.9384% | 5,865 |
| Tier 1 risk-based capital ratio | 18.6927% | 1,778 |
| Total risk-based capital ratio | 18.8892% | 2,027 |
| Memoranda: | ||
| Average total assets | $18,306,600 | 6,113 |
| Average earning assets | $16,313,000 | 6,105 |
| Average equity | $1,417,200 | 6,154 |
| Average total loans | $5,458,000 | 6,109 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5046% | 6,091 |
| Cost of funding earning assets | 0.0803% | 6,119 |
| Net interest margin | 2.4244% | 5,963 |
| Noninterest income to average assets | 0.2790% | 4,949 |
| Noninterest expense to average assets | 2.0745% | 5,330 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2861% | 5,495 |
| Return on assets (ROA) | 0.2861% | 5,570 |
| Pretax return on assets | 0.3648% | 5,537 |
| Return on Equity (ROE) | 3.7696% | 5,118 |
| Retained earnings to average equity (ytd only) | 3.7696% | 3,790 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0440% | 1,082 |
| Assets per employee ($millions) | 4.5998% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6958% | 5,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 27.1482% | 6,045 |
| Net loans and leases to deposits | 29.4638% | 6,083 |
| Net loans and leases to core deposits | 29.4638% | 6,097 |
| Total domestic deposits to total assets | 92.1409% | 87 |
| Equity capital to assets | 7.7993% | 6,019 |
| Core capital (leverage) ratio | 7.6139% | 6,029 |
| Tier 1 risk-based capital ratio | 17.3729% | 2,226 |
| Total risk-based capital ratio | 17.7966% | 2,510 |
| Memoranda: | ||
| Average total assets | $18,638,750 | 6,195 |
| Average earning assets | $16,608,750 | 6,186 |
| Average equity | $1,414,750 | 6,241 |
| Average total loans | $5,666,750 | 6,192 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5552% | 6,137 |
| Cost of funding earning assets | 0.0844% | 6,182 |
| Net interest margin | 2.4709% | 5,991 |
| Noninterest income to average assets | 0.2671% | 5,044 |
| Noninterest expense to average assets | 2.1049% | 5,332 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2671% | 5,537 |
| Return on assets (ROA) | 0.2671% | 5,623 |
| Pretax return on assets | 0.3526% | 5,565 |
| Return on Equity (ROE) | 3.5511% | 5,203 |
| Retained earnings to average equity (ytd only) | 3.5511% | 3,768 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6522% | 1,086 |
| Assets per employee ($millions) | 4.5858% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5900% | 5,989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 32.1485% | 5,970 |
| Net loans and leases to deposits | 34.8584% | 6,067 |
| Net loans and leases to core deposits | 34.8584% | 6,096 |
| Total domestic deposits to total assets | 92.2259% | 105 |
| Equity capital to assets | 7.7414% | 6,065 |
| Core capital (leverage) ratio | 7.7245% | 6,032 |
| Tier 1 risk-based capital ratio | 15.7568% | 2,974 |
| Total risk-based capital ratio | 16.1451% | 3,349 |
| Memoranda: | ||
| Average total assets | $18,718,670 | 6,271 |
| Average earning assets | $16,593,330 | 6,262 |
| Average equity | $1,408,000 | 6,317 |
| Average total loans | $5,879,000 | 6,264 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5462% | 6,205 |
| Cost of funding earning assets | 0.0721% | 6,289 |
| Net interest margin | 2.4741% | 6,050 |
| Noninterest income to average assets | 0.2750% | 4,975 |
| Noninterest expense to average assets | 2.0945% | 5,395 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2962% | 5,433 |
| Return on assets (ROA) | 0.2962% | 5,530 |
| Pretax return on assets | 0.3597% | 5,516 |
| Return on Equity (ROE) | 3.9943% | 4,986 |
| Retained earnings to average equity (ytd only) | 3.9943% | 3,607 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3448% | 1,237 |
| Assets per employee ($millions) | 4.6043% | 2,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5819% | 6,085 |
| Loan loss allowance to noncurrent loans | 1,750.0000% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 5,911 |
| Noncurrent loans to loans | 0.0333% | 5,662 |
| Net loans and leases to total assets | 32.4700% | 5,983 |
| Net loans and leases to deposits | 35.1930% | 6,084 |
| Net loans and leases to core deposits | 35.1930% | 6,119 |
| Total domestic deposits to total assets | 92.2626% | 122 |
| Equity capital to assets | 7.6505% | 6,140 |
| Core capital (leverage) ratio | 7.6059% | 6,113 |
| Tier 1 risk-based capital ratio | 20.5513% | 1,520 |
| Total risk-based capital ratio | 21.0618% | 1,626 |
| Memoranda: | ||
| Average total assets | $18,906,500 | 6,338 |
| Average earning assets | $16,652,500 | 6,326 |
| Average equity | $1,402,000 | 6,385 |
| Average total loans | $5,852,500 | 6,331 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2607% | 6,391 |
| Cost of funding earning assets | 0.0763% | 6,381 |
| Net interest margin | 2.1845% | 6,314 |
| Noninterest income to average assets | 0.3314% | 4,739 |
| Noninterest expense to average assets | 2.0649% | 5,650 |
| Loan and lease loss provision to assets | 0.0306% | 3,994 |
| Net operating income to assets | 0.2192% | 5,730 |
| Return on assets (ROA) | 0.2192% | 5,790 |
| Pretax return on assets | 0.2804% | 5,739 |
| Return on Equity (ROE) | 3.1096% | 5,434 |
| Retained earnings to average equity (ytd only) | 3.1096% | 4,024 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9099% | 1,090 |
| Assets per employee ($millions) | 4.8490% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6151% | 6,124 |
| 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 | 29.1555% | 6,201 |
| Net loans and leases to deposits | 31.4674% | 6,270 |
| Net loans and leases to core deposits | 31.4674% | 6,289 |
| Total domestic deposits to total assets | 92.6531% | 87 |
| Equity capital to assets | 7.1922% | 6,305 |
| Core capital (leverage) ratio | 7.1608% | 6,283 |
| Tier 1 risk-based capital ratio | 15.7788% | 3,077 |
| Total risk-based capital ratio | 16.1746% | 3,465 |
| Memoranda: | ||
| Average total assets | $19,613,600 | 6,418 |
| Average earning assets | $18,357,000 | 6,392 |
| Average equity | $1,382,800 | 6,473 |
| Average total loans | $5,617,200 | 6,423 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2704% | 6,469 |
| Cost of funding earning assets | 0.0714% | 6,477 |
| Net interest margin | 2.1990% | 6,391 |
| Noninterest income to average assets | 0.3186% | 4,884 |
| Noninterest expense to average assets | 1.9524% | 5,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3457% | 5,441 |
| Return on assets (ROA) | 0.3457% | 5,511 |
| Pretax return on assets | 0.4542% | 5,456 |
| Return on Equity (ROE) | 4.9284% | 4,747 |
| Retained earnings to average equity (ytd only) | 4.9284% | 3,130 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1268% | 1,739 |
| Assets per employee ($millions) | 4.7705% | 2,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6179% | 6,201 |
| 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 | 24.4419% | 6,379 |
| Net loans and leases to deposits | 26.4264% | 6,422 |
| Net loans and leases to core deposits | 26.4264% | 6,430 |
| Total domestic deposits to total assets | 92.4903% | 110 |
| Equity capital to assets | 7.3525% | 6,330 |
| Core capital (leverage) ratio | 6.6207% | 6,428 |
| Tier 1 risk-based capital ratio | 17.5704% | 2,370 |
| Total risk-based capital ratio | 17.9336% | 2,692 |
| Memoranda: | ||
| Average total assets | $19,668,000 | 6,494 |
| Average earning assets | $18,675,000 | 6,463 |
| Average equity | $1,379,750 | 6,551 |
| Average total loans | $5,599,000 | 6,501 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2889% | 6,533 |
| Cost of funding earning assets | 0.0742% | 6,535 |
| Net interest margin | 2.2147% | 6,443 |
| Noninterest income to average assets | 0.3021% | 4,992 |
| Noninterest expense to average assets | 1.9030% | 5,995 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4028% | 5,211 |
| Return on assets (ROA) | 0.4028% | 5,290 |
| Pretax return on assets | 0.5034% | 5,266 |
| Return on Equity (ROE) | 5.8309% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.8309% | 2,428 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0795% | 2,158 |
| Assets per employee ($millions) | 5.1203% | 2,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4869% | 6,430 |
| 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 | 28.9390% | 6,336 |
| Net loans and leases to deposits | 31.0819% | 6,408 |
| Net loans and leases to core deposits | 31.0819% | 6,432 |
| Total domestic deposits to total assets | 93.1058% | 76 |
| Equity capital to assets | 6.7965% | 6,470 |
| Core capital (leverage) ratio | 6.8316% | 6,453 |
| Tier 1 risk-based capital ratio | 14.9694% | 3,657 |
| Total risk-based capital ratio | 15.2812% | 4,178 |
| Memoranda: | ||
| Average total assets | $19,863,330 | 6,558 |
| Average earning assets | $18,874,000 | 6,526 |
| Average equity | $1,372,000 | 6,615 |
| Average total loans | $5,901,000 | 6,561 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3117% | 6,598 |
| Cost of funding earning assets | 0.0648% | 6,639 |
| Net interest margin | 2.2469% | 6,504 |
| Noninterest income to average assets | 0.3068% | 4,904 |
| Noninterest expense to average assets | 1.9228% | 6,027 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4296% | 5,013 |
| Return on assets (ROA) | 0.4296% | 5,071 |
| Pretax return on assets | 0.5114% | 5,135 |
| Return on Equity (ROE) | 6.1674% | 3,934 |
| Retained earnings to average equity (ytd only) | 6.1674% | 2,450 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9916% | 2,341 |
| Assets per employee ($millions) | 4.8993% | 2,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4899% | 6,514 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 30.0556% | 6,350 |
| Net loans and leases to deposits | 32.3466% | 6,428 |
| Net loans and leases to core deposits | 32.3466% | 6,455 |
| Total domestic deposits to total assets | 92.9173% | 123 |
| Equity capital to assets | 7.0011% | 6,445 |
| Core capital (leverage) ratio | 6.9525% | 6,481 |
| Tier 1 risk-based capital ratio | 15.0869% | 3,664 |
| Total risk-based capital ratio | 15.4058% | 4,172 |
| Memoranda: | ||
| Average total assets | $19,554,500 | 6,629 |
| Average earning assets | $18,514,500 | 6,601 |
| Average equity | $1,362,000 | 6,680 |
| Average total loans | $5,873,500 | 6,632 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4125% | 6,644 |
| Cost of funding earning assets | 0.1018% | 6,667 |
| Net interest margin | 2.3108% | 6,517 |
| Noninterest income to average assets | 0.3262% | 4,998 |
| Noninterest expense to average assets | 2.2774% | 5,435 |
| Loan and lease loss provision to assets | 0.0281% | 4,553 |
| Net operating income to assets | 0.1518% | 5,939 |
| Return on assets (ROA) | 0.1518% | 6,003 |
| Pretax return on assets | 0.1912% | 5,959 |
| Return on Equity (ROE) | 2.1104% | 5,804 |
| Retained earnings to average equity (ytd only) | 2.1104% | 4,740 |
| Net charge-offs to loans | 0.0391% | 4,680 |
| Credit loss provision to net charge-offs | 250.0000% | 904 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,600 |
| Efficiency ratio | 91.2162% | 932 |
| Assets per employee ($millions) | 4.8780% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4976% | 6,574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 29.7202% | 6,466 |
| Net loans and leases to deposits | 31.9539% | 6,539 |
| Net loans and leases to core deposits | 31.9539% | 6,563 |
| Total domestic deposits to total assets | 93.0094% | 135 |
| Equity capital to assets | 6.9291% | 6,474 |
| Core capital (leverage) ratio | 7.2975% | 6,446 |
| Tier 1 risk-based capital ratio | 15.0893% | 3,618 |
| Total risk-based capital ratio | 15.4129% | 4,127 |
| Memoranda: | ||
| Average total assets | $17,783,200 | 6,730 |
| Average earning assets | $16,704,400 | 6,706 |
| Average equity | $1,279,400 | 6,779 |
| Average total loans | $5,109,800 | 6,732 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4449% | 6,714 |
| Cost of funding earning assets | 0.1149% | 6,734 |
| Net interest margin | 2.3301% | 6,569 |
| Noninterest income to average assets | 0.3151% | 5,182 |
| Noninterest expense to average assets | 2.2131% | 5,572 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2305% | 5,835 |
| Return on assets (ROA) | 0.2305% | 5,919 |
| Pretax return on assets | 0.2843% | 5,909 |
| Return on Equity (ROE) | 3.1715% | 5,540 |
| Retained earnings to average equity (ytd only) | 3.1715% | 4,415 |
| Net charge-offs to loans | 0.0542% | 4,131 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 18.4757% | 1,678 |
| Efficiency ratio | 88.6154% | 1,117 |
| Assets per employee ($millions) | 4.4540% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4303% | 6,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 31.1742% | 6,485 |
| Net loans and leases to deposits | 33.7773% | 6,574 |
| Net loans and leases to core deposits | 33.7773% | 6,614 |
| Total domestic deposits to total assets | 92.2934% | 206 |
| Equity capital to assets | 7.6055% | 6,351 |
| Core capital (leverage) ratio | 7.7155% | 6,370 |
| Tier 1 risk-based capital ratio | 16.1194% | 3,122 |
| Total risk-based capital ratio | 16.4049% | 3,612 |
| Memoranda: | ||
| Average total assets | $17,351,000 | 6,813 |
| Average earning assets | $16,251,000 | 6,794 |
| Average equity | $1,261,250 | 6,859 |
| Average total loans | $4,930,250 | 6,812 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4004% | 6,771 |
| Cost of funding earning assets | 0.1237% | 6,772 |
| Net interest margin | 2.2767% | 6,638 |
| Noninterest income to average assets | 0.3140% | 5,188 |
| Noninterest expense to average assets | 2.2796% | 5,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1512% | 6,022 |
| Return on assets (ROA) | 0.1512% | 6,131 |
| Pretax return on assets | 0.1745% | 6,117 |
| Return on Equity (ROE) | 2.1138% | 5,913 |
| Retained earnings to average equity (ytd only) | 2.1138% | 4,922 |
| Net charge-offs to loans | 0.0424% | 4,084 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,781 |
| Efficiency ratio | 92.8910% | 827 |
| Assets per employee ($millions) | 4.3013% | 3,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4330% | 6,751 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 6,549 |
| Noncurrent loans to loans | 0.0173% | 6,369 |
| Net loans and leases to total assets | 33.4147% | 6,444 |
| Net loans and leases to deposits | 36.2576% | 6,551 |
| Net loans and leases to core deposits | 36.2576% | 6,596 |
| Total domestic deposits to total assets | 92.1593% | 225 |
| Equity capital to assets | 7.7768% | 6,325 |
| Core capital (leverage) ratio | 7.8535% | 6,277 |
| Tier 1 risk-based capital ratio | 15.8794% | 3,275 |
| Total risk-based capital ratio | 16.1761% | 3,795 |
| Memoranda: | ||
| Average total assets | $17,196,000 | 6,867 |
| Average earning assets | $16,164,000 | 6,842 |
| Average equity | $1,230,000 | 6,909 |
| Average total loans | $4,714,330 | 6,866 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3033% | 6,868 |
| Cost of funding earning assets | 0.1238% | 6,851 |
| Net interest margin | 2.1795% | 6,769 |
| Noninterest income to average assets | 0.3025% | 5,278 |
| Noninterest expense to average assets | 2.2802% | 5,473 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0465% | 6,260 |
| Return on assets (ROA) | 0.0465% | 6,344 |
| Pretax return on assets | 0.0698% | 6,305 |
| Return on Equity (ROE) | 0.6803% | 6,287 |
| Retained earnings to average equity (ytd only) | 0.6803% | 5,554 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0297% | 680 |
| Assets per employee ($millions) | 4.5193% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5972% | 6,710 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 23.9420% | 6,776 |
| Net loans and leases to deposits | 25.8743% | 6,821 |
| Net loans and leases to core deposits | 25.8743% | 6,838 |
| Total domestic deposits to total assets | 92.5319% | 172 |
| Equity capital to assets | 7.3408% | 6,639 |
| Core capital (leverage) ratio | 7.7214% | 6,340 |
| Tier 1 risk-based capital ratio | 17.7954% | 2,447 |
| Total risk-based capital ratio | 18.1440% | 2,777 |
| Memoranda: | ||
| Average total assets | $17,191,500 | 6,939 |
| Average earning assets | $16,150,500 | 6,913 |
| Average equity | $1,176,000 | 6,982 |
| Average total loans | $4,184,500 | 6,945 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6435% | 6,894 |
| Cost of funding earning assets | 0.1988% | 6,841 |
| Net interest margin | 2.4447% | 6,745 |
| Noninterest income to average assets | 0.4224% | 4,437 |
| Noninterest expense to average assets | 2.5778% | 4,824 |
| Loan and lease loss provision to assets | -0.3106% | 7,014 |
| Net operating income to assets | 0.4286% | 4,972 |
| Return on assets (ROA) | 0.4286% | 5,219 |
| Pretax return on assets | 0.4472% | 5,435 |
| Return on Equity (ROE) | 6.8088% | 3,757 |
| Retained earnings to average equity (ytd only) | 6.8088% | 1,667 |
| Net charge-offs to loans | 0.0224% | 5,591 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,669 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,278 |
| Efficiency ratio | 94.9657% | 752 |
| Assets per employee ($millions) | 4.0765% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6476% | 6,704 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 24.4634% | 6,850 |
| Net loans and leases to deposits | 26.1454% | 6,902 |
| Net loans and leases to core deposits | 26.1454% | 6,909 |
| Total domestic deposits to total assets | 93.5668% | 90 |
| Equity capital to assets | 6.2860% | 6,866 |
| Core capital (leverage) ratio | 5.9833% | 6,860 |
| Tier 1 risk-based capital ratio | 15.0713% | 3,681 |
| Total risk-based capital ratio | 15.4536% | 4,202 |
| Memoranda: | ||
| Average total assets | $16,098,800 | 7,007 |
| Average earning assets | $15,093,800 | 6,989 |
| Average equity | $1,013,400 | 7,062 |
| Average total loans | $4,468,600 | 7,014 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6841% | 7,003 |
| Cost of funding earning assets | 0.2126% | 6,926 |
| Net interest margin | 2.4715% | 6,843 |
| Noninterest income to average assets | 0.4487% | 4,305 |
| Noninterest expense to average assets | 2.4843% | 5,131 |
| Loan and lease loss provision to assets | -0.4155% | 7,137 |
| Net operating income to assets | 0.6564% | 4,109 |
| Return on assets (ROA) | 0.6564% | 4,375 |
| Pretax return on assets | 0.6979% | 4,869 |
| Return on Equity (ROE) | 10.4236% | 2,167 |
| Retained earnings to average equity (ytd only) | 10.4236% | 805 |
| Net charge-offs to loans | 0.0290% | 5,258 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,666 |
| Earnings coverage of net charge-offs (x) | 34.0827% | 991 |
| Efficiency ratio | 89.7898% | 1,059 |
| Assets per employee ($millions) | 4.1500% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6048% | 6,861 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 25.7410% | 6,926 |
| Net loans and leases to deposits | 27.5003% | 6,989 |
| Net loans and leases to core deposits | 27.5003% | 6,998 |
| Total domestic deposits to total assets | 93.6024% | 82 |
| Equity capital to assets | 6.2289% | 6,971 |
| Core capital (leverage) ratio | 6.4335% | 6,898 |
| Tier 1 risk-based capital ratio | 14.5695% | 4,136 |
| Total risk-based capital ratio | 14.9359% | 4,714 |
| Memoranda: | ||
| Average total assets | $16,047,000 | 7,103 |
| Average earning assets | $15,051,000 | 7,084 |
| Average equity | $1,010,500 | 7,158 |
| Average total loans | $4,582,000 | 7,104 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7945% | 7,044 |
| Cost of funding earning assets | 0.2295% | 6,971 |
| Net interest margin | 2.5650% | 6,844 |
| Noninterest income to average assets | 0.5295% | 3,729 |
| Noninterest expense to average assets | 2.5469% | 4,973 |
| Loan and lease loss provision to assets | -0.6304% | 7,214 |
| Net operating income to assets | 0.9708% | 2,583 |
| Return on assets (ROA) | 0.9708% | 2,825 |
| Pretax return on assets | 1.0087% | 3,669 |
| Return on Equity (ROE) | 15.3590% | 872 |
| Retained earnings to average equity (ytd only) | 15.3590% | 262 |
| Net charge-offs to loans | 0.0428% | 4,777 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,563 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,068 |
| Efficiency ratio | 87.0690% | 1,330 |
| Assets per employee ($millions) | 3.9893% | 3,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6078% | 6,923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 26.6466% | 6,963 |
| Net loans and leases to deposits | 28.5369% | 7,034 |
| Net loans and leases to core deposits | 28.5369% | 7,048 |
| Total domestic deposits to total assets | 93.3759% | 101 |
| Equity capital to assets | 6.4736% | 6,984 |
| Core capital (leverage) ratio | 6.7929% | 6,868 |
| Tier 1 risk-based capital ratio | 14.8847% | 3,843 |
| Total risk-based capital ratio | 15.2594% | 4,402 |
| Memoranda: | ||
| Average total assets | $15,862,670 | 7,166 |
| Average earning assets | $14,815,000 | 7,150 |
| Average equity | $1,002,670 | 7,215 |
| Average total loans | $4,676,330 | 7,162 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0014% | 7,048 |
| Cost of funding earning assets | 0.2704% | 6,946 |
| Net interest margin | 2.7310% | 6,738 |
| Noninterest income to average assets | 0.3288% | 5,230 |
| Noninterest expense to average assets | 2.4786% | 5,219 |
| Loan and lease loss provision to assets | -1.2646% | 7,289 |
| Net operating income to assets | 1.6187% | 834 |
| Return on assets (ROA) | 1.6187% | 934 |
| Pretax return on assets | 1.6692% | 1,382 |
| Return on Equity (ROE) | 25.9241% | 165 |
| Retained earnings to average equity (ytd only) | 25.9241% | 85 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9649% | 1,487 |
| Assets per employee ($millions) | 3.9923% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5972% | 6,986 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 28.1420% | 6,974 |
| Net loans and leases to deposits | 30.1206% | 7,054 |
| Net loans and leases to core deposits | 30.1206% | 7,074 |
| Total domestic deposits to total assets | 93.4310% | 118 |
| Equity capital to assets | 6.3811% | 7,033 |
| Core capital (leverage) ratio | 6.2824% | 6,999 |
| Tier 1 risk-based capital ratio | 14.2458% | 4,280 |
| Total risk-based capital ratio | 14.6232% | 4,911 |
| Memoranda: | ||
| Average total assets | $15,815,500 | 7,229 |
| Average earning assets | $14,793,000 | 7,212 |
| Average equity | $987,500 | 7,276 |
| Average total loans | $4,875,500 | 7,220 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3676% | 7,070 |
| Cost of funding earning assets | 0.3871% | 6,924 |
| Net interest margin | 2.9805% | 6,560 |
| Noninterest income to average assets | 0.4589% | 4,154 |
| Noninterest expense to average assets | 2.9467% | 3,786 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2294% | 5,491 |
| Return on assets (ROA) | 0.2294% | 5,635 |
| Pretax return on assets | 0.2724% | 5,629 |
| Return on Equity (ROE) | 3.3841% | 5,129 |
| Retained earnings to average equity (ytd only) | 3.3841% | 3,814 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5367% | 1,076 |
| Assets per employee ($millions) | 3.9155% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4723% | 4,139 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 32.9013% | 6,917 |
| Net loans and leases to deposits | 35.1213% | 7,023 |
| Net loans and leases to core deposits | 35.1213% | 7,055 |
| Total domestic deposits to total assets | 93.6790% | 105 |
| Equity capital to assets | 6.1039% | 7,085 |
| Core capital (leverage) ratio | 5.8268% | 7,072 |
| Tier 1 risk-based capital ratio | 12.5641% | 5,397 |
| Total risk-based capital ratio | 13.5760% | 5,572 |
| Memoranda: | ||
| Average total assets | $13,947,600 | 7,301 |
| Average earning assets | $12,917,400 | 7,284 |
| Average equity | $945,600 | 7,334 |
| Average total loans | $4,845,600 | 7,272 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4296% | 7,125 |
| Cost of funding earning assets | 0.4287% | 6,945 |
| Net interest margin | 3.0008% | 6,580 |
| Noninterest income to average assets | 0.4537% | 4,268 |
| Noninterest expense to average assets | 2.7714% | 4,459 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3748% | 5,105 |
| Return on assets (ROA) | 0.3748% | 5,291 |
| Pretax return on assets | 0.4438% | 5,331 |
| Return on Equity (ROE) | 5.3733% | 4,353 |
| Retained earnings to average equity (ytd only) | 5.3733% | 2,930 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1963% | 1,513 |
| Assets per employee ($millions) | 3.9288% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6502% | 3,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 29.2014% | 7,109 |
| Net loans and leases to deposits | 31.1816% | 7,189 |
| Net loans and leases to core deposits | 31.1816% | 7,213 |
| Total domestic deposits to total assets | 93.6494% | 100 |
| Equity capital to assets | 6.1152% | 7,174 |
| Core capital (leverage) ratio | 6.1461% | 7,115 |
| Tier 1 risk-based capital ratio | 13.4368% | 4,784 |
| Total risk-based capital ratio | 14.5134% | 4,878 |
| Memoranda: | ||
| Average total assets | $13,519,000 | 7,383 |
| Average earning assets | $12,440,500 | 7,366 |
| Average equity | $943,000 | 7,410 |
| Average total loans | $4,749,500 | 7,345 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7033% | 7,014 |
| Cost of funding earning assets | 0.4801% | 6,917 |
| Net interest margin | 3.2232% | 6,087 |
| Noninterest income to average assets | 0.4849% | 3,978 |
| Noninterest expense to average assets | 2.9405% | 3,861 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4067% | 4,911 |
| Return on assets (ROA) | 0.4067% | 5,073 |
| Pretax return on assets | 0.4849% | 5,116 |
| Return on Equity (ROE) | 5.5496% | 4,186 |
| Retained earnings to average equity (ytd only) | 5.5496% | 2,666 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8447% | 1,615 |
| Assets per employee ($millions) | 3.5128% | 4,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5527% | 3,893 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 34.7449% | 7,025 |
| Net loans and leases to deposits | 37.3499% | 7,139 |
| Net loans and leases to core deposits | 37.3499% | 7,188 |
| Total domestic deposits to total assets | 93.0254% | 131 |
| Equity capital to assets | 6.7540% | 7,148 |
| Core capital (leverage) ratio | 7.0322% | 6,989 |
| Tier 1 risk-based capital ratio | 13.4305% | 4,585 |
| Total risk-based capital ratio | 14.5202% | 4,688 |
| Memoranda: | ||
| Average total assets | $12,787,000 | 7,461 |
| Average earning assets | $11,665,330 | 7,447 |
| Average equity | $937,000 | 7,484 |
| Average total loans | $4,777,330 | 7,418 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0117% | 6,678 |
| Cost of funding earning assets | 0.5470% | 6,813 |
| Net interest margin | 3.4646% | 5,163 |
| Noninterest income to average assets | 0.4278% | 4,476 |
| Noninterest expense to average assets | 2.9947% | 3,665 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5265% | 4,371 |
| Return on assets (ROA) | 0.5265% | 4,454 |
| Pretax return on assets | 0.5594% | 4,831 |
| Return on Equity (ROE) | 6.8743% | 3,451 |
| Retained earnings to average equity (ytd only) | 6.8743% | 2,202 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2593% | 1,923 |
| Assets per employee ($millions) | 3.1750% | 5,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6283% | 3,616 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 36.6299% | 6,972 |
| Net loans and leases to deposits | 39.6691% | 7,117 |
| Net loans and leases to core deposits | 39.6691% | 7,175 |
| Total domestic deposits to total assets | 92.3386% | 204 |
| Equity capital to assets | 7.3937% | 6,926 |
| Core capital (leverage) ratio | 7.6298% | 6,623 |
| Tier 1 risk-based capital ratio | 14.2662% | 3,896 |
| Total risk-based capital ratio | 15.4360% | 3,917 |
| Memoranda: | ||
| Average total assets | $12,155,000 | 7,526 |
| Average earning assets | $10,968,000 | 7,513 |
| Average equity | $931,000 | 7,542 |
| Average total loans | $4,686,500 | 7,478 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2392% | 6,876 |
| Cost of funding earning assets | 0.8514% | 6,364 |
| Net interest margin | 3.3878% | 5,679 |
| Noninterest income to average assets | 0.5098% | 4,097 |
| Noninterest expense to average assets | 3.4314% | 2,353 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1457% | 5,455 |
| Return on assets (ROA) | 0.1457% | 5,609 |
| Pretax return on assets | 0.1699% | 5,554 |
| Return on Equity (ROE) | 1.9565% | 5,395 |
| Retained earnings to average equity (ytd only) | 1.9565% | 4,499 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2809% | 997 |
| Assets per employee ($millions) | 2.9025% | 6,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6581% | 3,366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 39.3368% | 7,002 |
| Net loans and leases to deposits | 42.8826% | 7,153 |
| Net loans and leases to core deposits | 42.8826% | 7,236 |
| Total domestic deposits to total assets | 91.7313% | 340 |
| Equity capital to assets | 7.9500% | 6,542 |
| Core capital (leverage) ratio | 7.4743% | 6,723 |
| Tier 1 risk-based capital ratio | 14.6229% | 3,462 |
| Total risk-based capital ratio | 15.8428% | 3,444 |
| Memoranda: | ||
| Average total assets | $12,356,600 | 7,606 |
| Average earning assets | $11,275,800 | 7,592 |
| Average equity | $920,000 | 7,637 |
| Average total loans | $4,717,800 | 7,560 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1886% | 7,105 |
| Cost of funding earning assets | 0.8794% | 6,477 |
| Net interest margin | 3.3092% | 5,987 |
| Noninterest income to average assets | 0.4783% | 4,342 |
| Noninterest expense to average assets | 3.2102% | 2,889 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.2657% | 5,295 |
| Return on assets (ROA) | 0.2657% | 5,455 |
| Pretax return on assets | 0.3082% | 5,482 |
| Return on Equity (ROE) | 3.6258% | 4,948 |
| Retained earnings to average equity (ytd only) | 3.6258% | 3,894 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2387% | 1,193 |
| Assets per employee ($millions) | 3.1710% | 5,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6283% | 3,411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 36.6761% | 7,235 |
| Net loans and leases to deposits | 39.7437% | 7,380 |
| Net loans and leases to core deposits | 39.7437% | 7,432 |
| Total domestic deposits to total assets | 92.2816% | 151 |
| Equity capital to assets | 7.3321% | 7,212 |
| Core capital (leverage) ratio | 7.3062% | 7,000 |
| Tier 1 risk-based capital ratio | 14.1037% | 3,764 |
| Total risk-based capital ratio | 15.2715% | 3,785 |
| Memoranda: | ||
| Average total assets | $12,543,250 | 7,705 |
| Average earning assets | $11,523,000 | 7,688 |
| Average equity | $919,250 | 7,740 |
| Average total loans | $4,736,250 | 7,659 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2614% | 7,101 |
| Cost of funding earning assets | 0.9082% | 6,543 |
| Net interest margin | 3.3532% | 5,823 |
| Noninterest income to average assets | 0.4801% | 4,286 |
| Noninterest expense to average assets | 3.2009% | 2,900 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3041% | 5,167 |
| Return on assets (ROA) | 0.3041% | 5,325 |
| Pretax return on assets | 0.3521% | 5,365 |
| Return on Equity (ROE) | 4.1500% | 4,712 |
| Retained earnings to average equity (ytd only) | 4.1500% | 3,429 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0901% | 1,328 |
| Assets per employee ($millions) | 3.2325% | 5,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6449% | 3,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 35.6071% | 7,366 |
| Net loans and leases to deposits | 38.5175% | 7,481 |
| Net loans and leases to core deposits | 38.5175% | 7,525 |
| Total domestic deposits to total assets | 92.4439% | 156 |
| Equity capital to assets | 7.1462% | 7,292 |
| Core capital (leverage) ratio | 7.3153% | 6,985 |
| Tier 1 risk-based capital ratio | 13.9535% | 3,766 |
| Total risk-based capital ratio | 15.1163% | 3,788 |
| Memoranda: | ||
| Average total assets | $12,496,330 | 7,773 |
| Average earning assets | $11,451,670 | 7,755 |
| Average equity | $915,670 | 7,808 |
| Average total loans | $4,738,670 | 7,728 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4201% | 6,964 |
| Cost of funding earning assets | 0.8840% | 6,830 |
| Net interest margin | 3.5361% | 5,012 |
| Noninterest income to average assets | 0.4886% | 4,139 |
| Noninterest expense to average assets | 3.2249% | 2,776 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4560% | 4,593 |
| Return on assets (ROA) | 0.4560% | 4,715 |
| Pretax return on assets | 0.5212% | 4,889 |
| Return on Equity (ROE) | 6.1437% | 3,806 |
| Retained earnings to average equity (ytd only) | 6.1437% | 2,556 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0870% | 1,787 |
| Assets per employee ($millions) | 3.1330% | 5,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6221% | 3,357 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 37.2646% | 7,376 |
| Net loans and leases to deposits | 40.4084% | 7,509 |
| Net loans and leases to core deposits | 40.4084% | 7,564 |
| Total domestic deposits to total assets | 92.2199% | 203 |
| Equity capital to assets | 7.3332% | 7,195 |
| Core capital (leverage) ratio | 7.5769% | 6,766 |
| Tier 1 risk-based capital ratio | 13.9708% | 3,670 |
| Total risk-based capital ratio | 15.1414% | 3,696 |
| Memoranda: | ||
| Average total assets | $12,279,500 | 7,876 |
| Average earning assets | $11,312,000 | 7,860 |
| Average equity | $911,500 | 7,901 |
| Average total loans | $4,767,500 | 7,829 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9993% | 6,436 |
| Cost of funding earning assets | 1.1830% | 6,719 |
| Net interest margin | 3.8163% | 3,637 |
| Noninterest income to average assets | 0.4973% | 4,436 |
| Noninterest expense to average assets | 3.6768% | 1,960 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3197% | 4,454 |
| Return on assets (ROA) | 0.3197% | 4,542 |
| Pretax return on assets | 0.3730% | 4,570 |
| Return on Equity (ROE) | 3.9517% | 4,108 |
| Retained earnings to average equity (ytd only) | 2.5247% | 3,381 |
| Net charge-offs to loans | -0.0211% | 7,791 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7895% | 1,648 |
| Assets per employee ($millions) | 3.0068% | 6,210 |
| Cash dividends to net income (ytd only)* | 36.1111% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6082% | 3,255 |
| Loan loss allowance to noncurrent loans | 2,566.6667% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 7,462 |
| Noncurrent loans to loans | 0.0627% | 7,270 |
| Net loans and leases to total assets | 39.1702% | 7,392 |
| Net loans and leases to deposits | 42.6026% | 7,553 |
| Net loans and leases to core deposits | 51.0511% | 7,559 |
| Total domestic deposits to total assets | 91.9431% | 275 |
| Equity capital to assets | 7.5164% | 7,021 |
| Core capital (leverage) ratio | 7.5992% | 6,683 |
| Tier 1 risk-based capital ratio | 13.9377% | 3,540 |
| Total risk-based capital ratio | 15.1249% | 3,531 |
| Memoranda: | ||
| Average total assets | $11,259,800 | 7,956 |
| Average earning assets | $10,481,400 | 7,936 |
| Average equity | $911,000 | 7,989 |
| Average total loans | $4,746,400 | 7,900 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1211% | 6,198 |
| Cost of funding earning assets | 1.2353% | 6,778 |
| Net interest margin | 3.8859% | 3,281 |
| Noninterest income to average assets | 0.4578% | 4,845 |
| Noninterest expense to average assets | 3.3128% | 2,862 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6384% | 3,457 |
| Return on assets (ROA) | 0.6384% | 3,527 |
| Pretax return on assets | 0.7830% | 3,592 |
| Return on Equity (ROE) | 7.7414% | 2,755 |
| Retained earnings to average equity (ytd only) | 7.7414% | 1,219 |
| Net charge-offs to loans | -0.0281% | 7,797 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8824% | 2,724 |
| Assets per employee ($millions) | 2.8805% | 6,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7096% | 2,591 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 38.4221% | 7,533 |
| Net loans and leases to deposits | 42.0698% | 7,674 |
| Net loans and leases to core deposits | 50.8675% | 7,666 |
| Total domestic deposits to total assets | 91.3296% | 294 |
| Equity capital to assets | 8.1149% | 6,728 |
| Core capital (leverage) ratio | 7.9412% | 6,454 |
| Tier 1 risk-based capital ratio | 15.4011% | 2,865 |
| Total risk-based capital ratio | 16.6529% | 2,810 |
| Memoranda: | ||
| Average total assets | $11,068,000 | 8,042 |
| Average earning assets | $10,362,000 | 8,020 |
| Average equity | $912,750 | 8,072 |
| Average total loans | $4,736,000 | 7,975 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2002% | 6,076 |
| Cost of funding earning assets | 1.2707% | 6,895 |
| Net interest margin | 3.9295% | 2,979 |
| Noninterest income to average assets | 0.4763% | 4,663 |
| Noninterest expense to average assets | 3.3160% | 2,891 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7145% | 3,190 |
| Return on assets (ROA) | 0.7145% | 3,297 |
| Pretax return on assets | 0.8427% | 3,529 |
| Return on Equity (ROE) | 8.6156% | 2,507 |
| Retained earnings to average equity (ytd only) | 8.6156% | 1,031 |
| Net charge-offs to loans | -0.0416% | 7,822 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7357% | 3,092 |
| Assets per employee ($millions) | 2.8763% | 6,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5711% | 2,865 |
| Loan loss allowance to noncurrent loans | 2,566.6667% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 7,557 |
| Noncurrent loans to loans | 0.0612% | 7,376 |
| Net loans and leases to total assets | 41.9296% | 7,450 |
| Net loans and leases to deposits | 45.8555% | 7,640 |
| Net loans and leases to core deposits | 55.9759% | 7,590 |
| Total domestic deposits to total assets | 91.4385% | 332 |
| Equity capital to assets | 8.0052% | 6,746 |
| Core capital (leverage) ratio | 8.2891% | 5,819 |
| Tier 1 risk-based capital ratio | 14.6005% | 3,190 |
| Total risk-based capital ratio | 15.8212% | 3,146 |
| Memoranda: | ||
| Average total assets | $10,916,670 | 8,135 |
| Average earning assets | $10,230,330 | 8,109 |
| Average equity | $905,330 | 8,163 |
| Average total loans | $4,813,330 | 8,063 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4059% | 5,396 |
| Cost of funding earning assets | 1.2814% | 7,076 |
| Net interest margin | 4.1245% | 2,196 |
| Noninterest income to average assets | 0.3766% | 5,417 |
| Noninterest expense to average assets | 3.3890% | 2,391 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7531% | 3,335 |
| Return on assets (ROA) | 0.7531% | 3,511 |
| Pretax return on assets | 0.8661% | 3,841 |
| Return on Equity (ROE) | 8.9136% | 2,756 |
| Retained earnings to average equity (ytd only) | 8.9136% | 1,510 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6460% | 2,872 |
| Assets per employee ($millions) | 2.6638% | 6,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5781% | 2,611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 44.4862% | 7,304 |
| Net loans and leases to deposits | 48.8761% | 7,540 |
| Net loans and leases to core deposits | 57.8331% | 7,533 |
| Total domestic deposits to total assets | 91.0183% | 410 |
| Equity capital to assets | 8.4655% | 6,125 |
| Core capital (leverage) ratio | 8.5709% | 5,391 |
| Tier 1 risk-based capital ratio | 15.1775% | 2,983 |
| Total risk-based capital ratio | 16.4227% | 2,938 |
| Memoranda: | ||
| Average total assets | $10,622,500 | 8,184 |
| Average earning assets | $9,989,000 | 8,161 |
| Average equity | $897,500 | 8,216 |
| Average total loans | $4,769,500 | 8,117 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1667% | 4,686 |
| Cost of funding earning assets | 1.6749% | 7,318 |
| Net interest margin | 4.4918% | 1,447 |
| Noninterest income to average assets | 0.5777% | 4,024 |
| Noninterest expense to average assets | 4.5402% | 858 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1926% | 5,871 |
| Return on assets (ROA) | 0.1926% | 5,690 |
| Pretax return on assets | 0.2230% | 5,679 |
| Return on Equity (ROE) | 2.0856% | 5,588 |
| Retained earnings to average equity (ytd only) | -0.6586% | 5,495 |
| Net charge-offs to loans | -1.5005% | 8,237 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3191% | 1,199 |
| Assets per employee ($millions) | 2.6475% | 6,894 |
| Cash dividends to net income (ytd only)* | 131.5789% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6091% | 2,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 43.8810% | 7,479 |
| Net loans and leases to deposits | 48.3408% | 7,698 |
| Net loans and leases to core deposits | 57.2784% | 7,694 |
| Total domestic deposits to total assets | 90.7743% | 397 |
| Equity capital to assets | 8.4325% | 6,200 |
| Core capital (leverage) ratio | 8.1505% | 6,251 |
| Tier 1 risk-based capital ratio | 14.8980% | 3,093 |
| Total risk-based capital ratio | 16.1424% | 3,016 |
| Memoranda: | ||
| Average total assets | $9,867,400 | 8,250 |
| Average earning assets | $9,194,600 | 8,228 |
| Average equity | $911,000 | 8,277 |
| Average total loans | $4,931,600 | 8,165 |