Home > The First State Bank, Kiowa, Kansas > Performance and Condition Ratios
The First State Bank, Kiowa, Kansas, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4138% | 1,992 |
| Cost of funding earning assets | 0.3623% | 3,596 |
| Net interest margin | 4.0515% | 1,587 |
| Noninterest income to average assets | 0.1034% | 5,404 |
| Noninterest expense to average assets | 2.3605% | 4,179 |
| Loan and lease loss provision to assets | 1.3938% | 63 |
| Net operating income to assets | 0.1754% | 5,154 |
| Return on assets (ROA) | 0.1858% | 5,151 |
| Pretax return on assets | 0.1813% | 5,327 |
| Return on Equity (ROE) | 1.2204% | 5,201 |
| Retained earnings to average equity (ytd only) | 1.2204% | 4,535 |
| Net charge-offs to loans | 1.9501% | 70 |
| Credit loss provision to net charge-offs | 99.5717% | 2,612 |
| Earnings coverage of net charge-offs (x) | 1.1178% | 3,926 |
| Efficiency ratio | 55.9756% | 4,771 |
| Assets per employee ($millions) | 6.4235% | 1,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0514% | 486 |
| Loan loss allowance to noncurrent loans | 29.5426% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 5.5235% | 77 |
| Noncurrent loans to loans | 6.9439% | 63 |
| Net loans and leases to total assets | 69.1290% | 2,660 |
| Net loans and leases to deposits | 84.7585% | 2,405 |
| Net loans and leases to core deposits | 93.0669% | 2,280 |
| Total domestic deposits to total assets | 81.5599% | 3,983 |
| Equity capital to assets | 15.5943% | 570 |
| Core capital (leverage) ratio | 15.0469% | 610 |
| Tier 1 risk-based capital ratio | 20.4472% | 1,238 |
| Total risk-based capital ratio | 21.7046% | 1,209 |
| Memoranda: | ||
| Average total assets | $66,722,400 | 4,831 |
| Average earning assets | $62,939,000 | 4,806 |
| Average equity | $10,160,800 | 4,425 |
| Average total loans | $47,894,800 | 4,515 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4569% | 1,767 |
| Cost of funding earning assets | 0.3503% | 3,661 |
| Net interest margin | 4.1066% | 1,374 |
| Noninterest income to average assets | 0.1604% | 5,215 |
| Noninterest expense to average assets | 2.1501% | 4,635 |
| Loan and lease loss provision to assets | 0.9899% | 106 |
| Net operating income to assets | 0.8403% | 3,324 |
| Return on assets (ROA) | 0.8533% | 3,306 |
| Pretax return on assets | 0.9107% | 4,002 |
| Return on Equity (ROE) | 5.6356% | 4,276 |
| Retained earnings to average equity (ytd only) | 5.6356% | 2,464 |
| Net charge-offs to loans | 1.3323% | 125 |
| Credit loss provision to net charge-offs | 103.0928% | 2,226 |
| Earnings coverage of net charge-offs (x) | 1.9649% | 3,524 |
| Efficiency ratio | 51.8391% | 5,112 |
| Assets per employee ($millions) | 6.5939% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0733% | 496 |
| Loan loss allowance to noncurrent loans | 47.1905% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 3.6716% | 199 |
| Noncurrent loans to loans | 4.3934% | 207 |
| Net loans and leases to total assets | 67.9780% | 2,850 |
| Net loans and leases to deposits | 83.6019% | 2,603 |
| Net loans and leases to core deposits | 92.5198% | 2,395 |
| Total domestic deposits to total assets | 81.3115% | 3,967 |
| Equity capital to assets | 15.8176% | 575 |
| Core capital (leverage) ratio | 15.3855% | 598 |
| Tier 1 risk-based capital ratio | 20.9780% | 1,199 |
| Total risk-based capital ratio | 22.2350% | 1,171 |
| Memoranda: | ||
| Average total assets | $67,344,250 | 4,875 |
| Average earning assets | $63,570,500 | 4,844 |
| Average equity | $10,196,750 | 4,464 |
| Average total loans | $48,534,750 | 4,543 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 1,717 |
| Cost of funding earning assets | 0.2983% | 4,097 |
| Net interest margin | 4.1354% | 1,234 |
| Noninterest income to average assets | 0.1563% | 5,275 |
| Noninterest expense to average assets | 2.0380% | 4,896 |
| Loan and lease loss provision to assets | 0.8848% | 110 |
| Net operating income to assets | 1.0748% | 2,106 |
| Return on assets (ROA) | 1.0912% | 2,074 |
| Pretax return on assets | 1.1768% | 2,868 |
| Return on Equity (ROE) | 7.3130% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.3130% | 1,445 |
| Net charge-offs to loans | 1.1445% | 172 |
| Credit loss provision to net charge-offs | 106.0071% | 1,937 |
| Earnings coverage of net charge-offs (x) | 2.4488% | 3,161 |
| Efficiency ratio | 48.4827% | 5,378 |
| Assets per employee ($millions) | 6.1836% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9490% | 655 |
| Loan loss allowance to noncurrent loans | 57.9525% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 2.5257% | 425 |
| Noncurrent loans to loans | 3.3631% | 357 |
| Net loans and leases to total assets | 70.3367% | 2,476 |
| Net loans and leases to deposits | 87.4452% | 2,052 |
| Net loans and leases to core deposits | 90.4251% | 2,483 |
| Total domestic deposits to total assets | 80.4352% | 4,315 |
| Equity capital to assets | 15.2734% | 661 |
| Core capital (leverage) ratio | 15.1800% | 600 |
| Tier 1 risk-based capital ratio | 19.8696% | 1,390 |
| Total risk-based capital ratio | 21.1268% | 1,357 |
| Memoranda: | ||
| Average total assets | $67,812,670 | 4,904 |
| Average earning assets | $64,371,670 | 4,858 |
| Average equity | $10,119,000 | 4,493 |
| Average total loans | $49,455,330 | 4,543 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4569% | 1,478 |
| Cost of funding earning assets | 0.3347% | 3,707 |
| Net interest margin | 4.1222% | 1,166 |
| Noninterest income to average assets | 0.1300% | 5,468 |
| Noninterest expense to average assets | 2.0204% | 5,004 |
| Loan and lease loss provision to assets | 1.1815% | 68 |
| Net operating income to assets | 0.7739% | 3,344 |
| Return on assets (ROA) | 0.7739% | 3,399 |
| Pretax return on assets | 0.8566% | 3,911 |
| Return on Equity (ROE) | 5.2484% | 4,278 |
| Retained earnings to average equity (ytd only) | 5.2484% | 2,755 |
| Net charge-offs to loans | 0.8757% | 196 |
| Credit loss provision to net charge-offs | 183.4862% | 1,077 |
| Earnings coverage of net charge-offs (x) | 3.1651% | 2,506 |
| Efficiency ratio | 48.3261% | 5,452 |
| Assets per employee ($millions) | 6.0914% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0661% | 591 |
| Loan loss allowance to noncurrent loans | 135.0461% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 1.2327% | 1,412 |
| Noncurrent loans to loans | 1.5299% | 1,290 |
| Net loans and leases to total assets | 72.5110% | 2,000 |
| Net loans and leases to deposits | 90.1193% | 1,518 |
| Net loans and leases to core deposits | 93.2338% | 2,041 |
| Total domestic deposits to total assets | 80.4612% | 4,533 |
| Equity capital to assets | 15.0675% | 642 |
| Core capital (leverage) ratio | 14.2921% | 769 |
| Tier 1 risk-based capital ratio | 19.3167% | 1,533 |
| Total risk-based capital ratio | 20.5752% | 1,505 |
| Memoranda: | ||
| Average total assets | $67,709,000 | 4,960 |
| Average earning assets | $64,529,000 | 4,909 |
| Average equity | $9,984,000 | 4,546 |
| Average total loans | $49,786,000 | 4,569 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3616% | 1,949 |
| Cost of funding earning assets | 0.3016% | 4,046 |
| Net interest margin | 4.0600% | 1,470 |
| Noninterest income to average assets | 0.1232% | 5,569 |
| Noninterest expense to average assets | 1.9277% | 5,323 |
| Loan and lease loss provision to assets | 0.1553% | 1,606 |
| Net operating income to assets | 1.7644% | 477 |
| Return on assets (ROA) | 1.7644% | 496 |
| Pretax return on assets | 1.8608% | 675 |
| Return on Equity (ROE) | 11.6873% | 1,343 |
| Retained earnings to average equity (ytd only) | 1.9331% | 4,438 |
| Net charge-offs to loans | 0.0555% | 2,934 |
| Credit loss provision to net charge-offs | 386.6667% | 815 |
| Earnings coverage of net charge-offs (x) | 50.2000% | 1,003 |
| Efficiency ratio | 47.5560% | 5,590 |
| Assets per employee ($millions) | 6.3083% | 1,253 |
| Cash dividends to net income (ytd only)* | 83.4598% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 1,660 |
| Loan loss allowance to noncurrent loans | 87.8753% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.2480% | 1,429 |
| Noncurrent loans to loans | 1.7084% | 1,131 |
| Net loans and leases to total assets | 71.9560% | 2,171 |
| Net loans and leases to deposits | 94.1082% | 1,186 |
| Net loans and leases to core deposits | 97.4092% | 1,807 |
| Total domestic deposits to total assets | 76.4609% | 5,187 |
| Equity capital to assets | 15.6360% | 543 |
| Core capital (leverage) ratio | 15.4068% | 543 |
| Tier 1 risk-based capital ratio | 20.4846% | 1,289 |
| Total risk-based capital ratio | 21.7359% | 1,262 |
| Memoranda: | ||
| Average total assets | $74,700,800 | 4,834 |
| Average earning assets | $70,295,800 | 4,799 |
| Average equity | $11,277,200 | 4,383 |
| Average total loans | $54,054,400 | 4,455 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3586% | 1,980 |
| Cost of funding earning assets | 0.3124% | 3,949 |
| Net interest margin | 4.0462% | 1,535 |
| Noninterest income to average assets | 0.1385% | 5,566 |
| Noninterest expense to average assets | 1.8677% | 5,435 |
| Loan and lease loss provision to assets | 0.1596% | 1,450 |
| Net operating income to assets | 1.8063% | 486 |
| Return on assets (ROA) | 1.8063% | 514 |
| Pretax return on assets | 1.9045% | 700 |
| Return on Equity (ROE) | 12.0634% | 1,307 |
| Retained earnings to average equity (ytd only) | 12.0634% | 298 |
| Net charge-offs to loans | 0.0704% | 2,308 |
| Credit loss provision to net charge-offs | 313.7931% | 998 |
| Earnings coverage of net charge-offs (x) | 40.5816% | 1,229 |
| Efficiency ratio | 46.2087% | 5,662 |
| Assets per employee ($millions) | 6.3706% | 1,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4615% | 1,923 |
| Loan loss allowance to noncurrent loans | 102.7894% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 1.1302% | 1,787 |
| Noncurrent loans to loans | 1.4219% | 1,532 |
| Net loans and leases to total assets | 70.9077% | 2,360 |
| Net loans and leases to deposits | 92.6188% | 1,420 |
| Net loans and leases to core deposits | 95.8267% | 2,011 |
| Total domestic deposits to total assets | 76.5586% | 5,161 |
| Equity capital to assets | 17.0898% | 424 |
| Core capital (leverage) ratio | 16.1948% | 447 |
| Tier 1 risk-based capital ratio | 22.4162% | 1,073 |
| Total risk-based capital ratio | 23.6670% | 1,056 |
| Memoranda: | ||
| Average total assets | $76,028,250 | 4,845 |
| Average earning assets | $71,275,500 | 4,807 |
| Average equity | $11,384,000 | 4,398 |
| Average total loans | $54,895,000 | 4,471 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3391% | 2,020 |
| Cost of funding earning assets | 0.3188% | 3,910 |
| Net interest margin | 4.0204% | 1,583 |
| Noninterest income to average assets | 0.1410% | 5,606 |
| Noninterest expense to average assets | 1.9535% | 5,363 |
| Loan and lease loss provision to assets | 0.1692% | 1,313 |
| Net operating income to assets | 1.6638% | 624 |
| Return on assets (ROA) | 1.6638% | 663 |
| Pretax return on assets | 1.7690% | 939 |
| Return on Equity (ROE) | 11.6031% | 1,446 |
| Retained earnings to average equity (ytd only) | 11.6031% | 378 |
| Net charge-offs to loans | 0.0958% | 1,884 |
| Credit loss provision to net charge-offs | 244.4444% | 1,120 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,443 |
| Efficiency ratio | 48.8801% | 5,628 |
| Assets per employee ($millions) | 6.5645% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 2,631 |
| Loan loss allowance to noncurrent loans | 5,492.3077% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 5,527 |
| Noncurrent loans to loans | 0.0242% | 5,372 |
| Net loans and leases to total assets | 73.4081% | 1,945 |
| Net loans and leases to deposits | 92.4338% | 1,458 |
| Net loans and leases to core deposits | 97.6944% | 1,835 |
| Total domestic deposits to total assets | 79.4170% | 4,690 |
| Equity capital to assets | 16.0241% | 542 |
| Core capital (leverage) ratio | 14.7765% | 649 |
| Tier 1 risk-based capital ratio | 20.6542% | 1,318 |
| Total risk-based capital ratio | 21.9036% | 1,298 |
| Memoranda: | ||
| Average total assets | $78,012,000 | 4,862 |
| Average earning assets | $72,779,670 | 4,826 |
| Average equity | $11,186,670 | 4,460 |
| Average total loans | $56,384,330 | 4,462 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3417% | 1,991 |
| Cost of funding earning assets | 0.2784% | 4,410 |
| Net interest margin | 4.0633% | 1,440 |
| Noninterest income to average assets | 0.1137% | 5,773 |
| Noninterest expense to average assets | 1.6956% | 5,753 |
| Loan and lease loss provision to assets | 0.1829% | 1,093 |
| Net operating income to assets | 1.9428% | 371 |
| Return on assets (ROA) | 1.9428% | 394 |
| Pretax return on assets | 1.9873% | 584 |
| Return on Equity (ROE) | 14.2981% | 782 |
| Retained earnings to average equity (ytd only) | 14.2981% | 301 |
| Net charge-offs to loans | 0.1871% | 1,044 |
| Credit loss provision to net charge-offs | 137.0370% | 1,329 |
| Earnings coverage of net charge-offs (x) | 16.2593% | 1,627 |
| Efficiency ratio | 42.5831% | 5,905 |
| Assets per employee ($millions) | 6.5483% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 3,313 |
| Loan loss allowance to noncurrent loans | 351.2821% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 4,526 |
| Noncurrent loans to loans | 0.3498% | 4,178 |
| Net loans and leases to total assets | 70.0713% | 2,330 |
| Net loans and leases to deposits | 93.3634% | 1,201 |
| Net loans and leases to core deposits | 98.5132% | 1,600 |
| Total domestic deposits to total assets | 75.0522% | 5,516 |
| Equity capital to assets | 14.3243% | 876 |
| Core capital (leverage) ratio | 13.7842% | 870 |
| Tier 1 risk-based capital ratio | 19.2022% | 1,685 |
| Total risk-based capital ratio | 20.4038% | 1,660 |
| Memoranda: | ||
| Average total assets | $80,913,000 | 4,839 |
| Average earning assets | $74,717,500 | 4,831 |
| Average equity | $10,994,500 | 4,510 |
| Average total loans | $57,715,500 | 4,452 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1643% | 2,690 |
| Cost of funding earning assets | 0.2305% | 5,007 |
| Net interest margin | 3.9338% | 1,917 |
| Noninterest income to average assets | 0.1397% | 5,715 |
| Noninterest expense to average assets | 1.9091% | 5,604 |
| Loan and lease loss provision to assets | 0.3132% | 530 |
| Net operating income to assets | 1.5602% | 766 |
| Return on assets (ROA) | 1.5422% | 822 |
| Pretax return on assets | 1.6046% | 1,236 |
| Return on Equity (ROE) | 11.3620% | 1,481 |
| Retained earnings to average equity (ytd only) | 3.0887% | 3,858 |
| Net charge-offs to loans | 0.0177% | 3,930 |
| Credit loss provision to net charge-offs | 2,510.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 155.2000% | 410 |
| Efficiency ratio | 48.3777% | 5,828 |
| Assets per employee ($millions) | 6.9372% | 910 |
| Cash dividends to net income (ytd only)* | 72.8155% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 3,863 |
| Loan loss allowance to noncurrent loans | 1,227.2727% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 5,376 |
| Noncurrent loans to loans | 0.0922% | 5,127 |
| Net loans and leases to total assets | 70.8851% | 2,221 |
| Net loans and leases to deposits | 96.4846% | 962 |
| Net loans and leases to core deposits | 101.5960% | 1,394 |
| Total domestic deposits to total assets | 73.4678% | 5,690 |
| Equity capital to assets | 12.8931% | 1,402 |
| Core capital (leverage) ratio | 13.7848% | 884 |
| Tier 1 risk-based capital ratio | 17.3357% | 2,167 |
| Total risk-based capital ratio | 18.4390% | 2,176 |
| Memoranda: | ||
| Average total assets | $80,143,200 | 4,870 |
| Average earning assets | $75,499,000 | 4,821 |
| Average equity | $10,878,400 | 4,502 |
| Average total loans | $56,357,600 | 4,494 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1658% | 2,693 |
| Cost of funding earning assets | 0.2412% | 4,984 |
| Net interest margin | 3.9246% | 1,952 |
| Noninterest income to average assets | 0.1378% | 5,798 |
| Noninterest expense to average assets | 1.7790% | 5,805 |
| Loan and lease loss provision to assets | 0.3612% | 365 |
| Net operating income to assets | 1.6537% | 681 |
| Return on assets (ROA) | 1.6295% | 742 |
| Pretax return on assets | 1.6900% | 1,134 |
| Return on Equity (ROE) | 11.8491% | 1,416 |
| Retained earnings to average equity (ytd only) | 11.8491% | 384 |
| Net charge-offs to loans | 0.0336% | 3,243 |
| Credit loss provision to net charge-offs | 1,535.7143% | 232 |
| Earnings coverage of net charge-offs (x) | 88.2678% | 699 |
| Efficiency ratio | 44.8802% | 6,009 |
| Assets per employee ($millions) | 6.3523% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 3,894 |
| Loan loss allowance to noncurrent loans | 1,411.1111% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 5,539 |
| Noncurrent loans to loans | 0.0820% | 5,299 |
| Net loans and leases to total assets | 71.1943% | 2,193 |
| Net loans and leases to deposits | 88.4452% | 1,841 |
| Net loans and leases to core deposits | 93.1130% | 2,165 |
| Total domestic deposits to total assets | 80.4954% | 4,608 |
| Equity capital to assets | 14.9919% | 738 |
| Core capital (leverage) ratio | 14.5924% | 719 |
| Tier 1 risk-based capital ratio | 19.3304% | 1,698 |
| Total risk-based capital ratio | 20.4229% | 1,698 |
| Memoranda: | ||
| Average total assets | $79,367,500 | 4,939 |
| Average earning assets | $75,182,250 | 4,890 |
| Average equity | $10,914,750 | 4,551 |
| Average total loans | $55,526,000 | 4,555 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1870% | 2,592 |
| Cost of funding earning assets | 0.2466% | 4,976 |
| Net interest margin | 3.9404% | 1,856 |
| Noninterest income to average assets | 0.1318% | 5,895 |
| Noninterest expense to average assets | 1.7683% | 5,894 |
| Loan and lease loss provision to assets | 0.1940% | 1,024 |
| Net operating income to assets | 1.8468% | 464 |
| Return on assets (ROA) | 1.8106% | 524 |
| Pretax return on assets | 1.8678% | 789 |
| Return on Equity (ROE) | 13.5522% | 994 |
| Retained earnings to average equity (ytd only) | 13.5522% | 267 |
| Net charge-offs to loans | 0.0502% | 2,708 |
| Credit loss provision to net charge-offs | 557.1429% | 582 |
| Earnings coverage of net charge-offs (x) | 60.2857% | 841 |
| Efficiency ratio | 44.4373% | 6,095 |
| Assets per employee ($millions) | 6.3292% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 5,010 |
| Loan loss allowance to noncurrent loans | 4,150.0000% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 5,831 |
| Noncurrent loans to loans | 0.0233% | 5,667 |
| Net loans and leases to total assets | 67.0388% | 2,786 |
| Net loans and leases to deposits | 81.9785% | 2,556 |
| Net loans and leases to core deposits | 86.7408% | 2,681 |
| Total domestic deposits to total assets | 81.7762% | 4,367 |
| Equity capital to assets | 14.5964% | 801 |
| Core capital (leverage) ratio | 13.7203% | 924 |
| Tier 1 risk-based capital ratio | 19.5708% | 1,650 |
| Total risk-based capital ratio | 20.4577% | 1,713 |
| Memoranda: | ||
| Average total assets | $80,414,000 | 4,971 |
| Average earning assets | $76,235,670 | 4,915 |
| Average equity | $10,743,670 | 4,613 |
| Average total loans | $55,733,000 | 4,595 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0419% | 3,076 |
| Cost of funding earning assets | 0.2381% | 5,144 |
| Net interest margin | 3.8038% | 2,220 |
| Noninterest income to average assets | 0.1258% | 5,972 |
| Noninterest expense to average assets | 1.5923% | 6,120 |
| Loan and lease loss provision to assets | 0.0774% | 2,405 |
| Net operating income to assets | 2.0908% | 283 |
| Return on assets (ROA) | 2.0473% | 329 |
| Pretax return on assets | 2.0473% | 543 |
| Return on Equity (ROE) | 16.0038% | 570 |
| Retained earnings to average equity (ytd only) | 16.0038% | 219 |
| Net charge-offs to loans | -0.0069% | 4,589 |
| Credit loss provision to net charge-offs | -1,600.0000% | 5,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0553% | 6,246 |
| Assets per employee ($millions) | 6.9423% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7448% | 5,818 |
| 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 | 72.1455% | 1,785 |
| Net loans and leases to deposits | 91.7365% | 1,222 |
| Net loans and leases to core deposits | 96.7624% | 1,568 |
| Total domestic deposits to total assets | 78.6443% | 5,327 |
| Equity capital to assets | 13.0432% | 1,376 |
| Core capital (leverage) ratio | 12.7907% | 1,239 |
| Tier 1 risk-based capital ratio | 16.8475% | 2,536 |
| Total risk-based capital ratio | 17.0132% | 2,971 |
| Memoranda: | ||
| Average total assets | $82,646,000 | 4,971 |
| Average earning assets | $78,973,500 | 4,890 |
| Average equity | $10,572,500 | 4,683 |
| Average total loans | $57,892,500 | 4,545 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0869% | 3,373 |
| Cost of funding earning assets | 0.2067% | 5,687 |
| Net interest margin | 3.8801% | 2,314 |
| Noninterest income to average assets | 0.1328% | 6,027 |
| Noninterest expense to average assets | 2.0244% | 5,724 |
| Loan and lease loss provision to assets | 0.3427% | 564 |
| Net operating income to assets | 1.3842% | 1,113 |
| Return on assets (ROA) | 1.4061% | 1,103 |
| Pretax return on assets | 1.4668% | 1,667 |
| Return on Equity (ROE) | 11.2603% | 1,631 |
| Retained earnings to average equity (ytd only) | 2.9062% | 4,174 |
| Net charge-offs to loans | 0.0283% | 4,254 |
| Credit loss provision to net charge-offs | 2,084.6154% | 149 |
| Earnings coverage of net charge-offs (x) | 108.6923% | 486 |
| Efficiency ratio | 51.8248% | 5,995 |
| Assets per employee ($millions) | 6.8320% | 914 |
| Cash dividends to net income (ytd only)* | 74.1906% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7858% | 5,815 |
| Loan loss allowance to noncurrent loans | 4,822.2222% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 6,023 |
| Noncurrent loans to loans | 0.0163% | 5,837 |
| Net loans and leases to total assets | 66.8387% | 2,752 |
| Net loans and leases to deposits | 80.7263% | 2,634 |
| Net loans and leases to core deposits | 84.9790% | 2,783 |
| Total domestic deposits to total assets | 82.7966% | 4,145 |
| Equity capital to assets | 12.5378% | 1,623 |
| Core capital (leverage) ratio | 12.1538% | 1,531 |
| Tier 1 risk-based capital ratio | 17.1948% | 2,431 |
| Total risk-based capital ratio | 17.9371% | 2,590 |
| Memoranda: | ||
| Average total assets | $79,085,200 | 5,092 |
| Average earning assets | $74,971,800 | 5,020 |
| Average equity | $9,875,400 | 4,777 |
| Average total loans | $45,979,000 | 4,954 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1148% | 3,321 |
| Cost of funding earning assets | 0.1976% | 5,856 |
| Net interest margin | 3.9172% | 2,168 |
| Noninterest income to average assets | 0.1310% | 6,117 |
| Noninterest expense to average assets | 2.0809% | 5,618 |
| Loan and lease loss provision to assets | 0.4271% | 377 |
| Net operating income to assets | 1.2803% | 1,429 |
| Return on assets (ROA) | 1.3408% | 1,322 |
| Pretax return on assets | 1.3969% | 2,019 |
| Return on Equity (ROE) | 10.7488% | 1,889 |
| Retained earnings to average equity (ytd only) | 5.6745% | 2,623 |
| Net charge-offs to loans | 0.0244% | 4,021 |
| Credit loss provision to net charge-offs | 3,137.5000% | 119 |
| Earnings coverage of net charge-offs (x) | 129.3318% | 460 |
| Efficiency ratio | 52.8787% | 5,935 |
| Assets per employee ($millions) | 6.7154% | 903 |
| Cash dividends to net income (ytd only)* | 47.2084% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8792% | 5,661 |
| 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 | 58.6188% | 3,987 |
| Net loans and leases to deposits | 68.8761% | 4,030 |
| Net loans and leases to core deposits | 72.4576% | 4,105 |
| Total domestic deposits to total assets | 85.1077% | 3,295 |
| Equity capital to assets | 12.6736% | 1,596 |
| Core capital (leverage) ratio | 12.8950% | 1,229 |
| Tier 1 risk-based capital ratio | 19.3344% | 1,815 |
| Total risk-based capital ratio | 20.1308% | 1,908 |
| Memoranda: | ||
| Average total assets | $78,360,500 | 5,162 |
| Average earning assets | $74,234,000 | 5,092 |
| Average equity | $9,774,500 | 4,831 |
| Average total loans | $43,666,000 | 5,102 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1899% | 2,987 |
| Cost of funding earning assets | 0.1901% | 6,001 |
| Net interest margin | 3.9998% | 1,801 |
| Noninterest income to average assets | 0.1185% | 6,208 |
| Noninterest expense to average assets | 2.2005% | 5,409 |
| Loan and lease loss provision to assets | 0.4715% | 325 |
| Net operating income to assets | 1.1828% | 1,643 |
| Return on assets (ROA) | 1.2832% | 1,412 |
| Pretax return on assets | 1.3476% | 2,090 |
| Return on Equity (ROE) | 10.3445% | 1,994 |
| Retained earnings to average equity (ytd only) | 3.6974% | 3,838 |
| Net charge-offs to loans | 0.0378% | 3,469 |
| Credit loss provision to net charge-offs | 2,287.5000% | 160 |
| Earnings coverage of net charge-offs (x) | 83.1250% | 638 |
| Efficiency ratio | 54.9045% | 5,838 |
| Assets per employee ($millions) | 6.3525% | 1,090 |
| Cash dividends to net income (ytd only)* | 64.2570% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7712% | 6,045 |
| 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 | 59.2457% | 3,825 |
| Net loans and leases to deposits | 69.4741% | 3,885 |
| Net loans and leases to core deposits | 72.1154% | 4,042 |
| Total domestic deposits to total assets | 85.2774% | 3,370 |
| Equity capital to assets | 13.0421% | 1,349 |
| Core capital (leverage) ratio | 12.9694% | 1,165 |
| Tier 1 risk-based capital ratio | 19.6597% | 1,769 |
| Total risk-based capital ratio | 20.3549% | 1,860 |
| Memoranda: | ||
| Average total assets | $77,619,000 | 5,211 |
| Average earning assets | $73,654,000 | 5,146 |
| Average equity | $9,628,330 | 4,884 |
| Average total loans | $42,335,670 | 5,189 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1474% | 3,090 |
| Cost of funding earning assets | 0.1878% | 6,092 |
| Net interest margin | 3.9596% | 1,891 |
| Noninterest income to average assets | 0.1073% | 6,308 |
| Noninterest expense to average assets | 2.2065% | 5,446 |
| Loan and lease loss provision to assets | 0.4648% | 334 |
| Net operating income to assets | 1.0849% | 1,876 |
| Return on assets (ROA) | 1.1033% | 1,860 |
| Pretax return on assets | 1.2258% | 2,370 |
| Return on Equity (ROE) | 9.1221% | 2,406 |
| Retained earnings to average equity (ytd only) | 9.1221% | 1,213 |
| Net charge-offs to loans | 0.0295% | 2,994 |
| Credit loss provision to net charge-offs | 3,033.3333% | 121 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 427 |
| Efficiency ratio | 55.5995% | 5,872 |
| Assets per employee ($millions) | 6.5125% | 1,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6462% | 6,348 |
| 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 | 51.9424% | 4,683 |
| Net loans and leases to deposits | 60.5089% | 4,712 |
| Net loans and leases to core deposits | 61.7732% | 4,904 |
| Total domestic deposits to total assets | 85.8426% | 3,438 |
| Equity capital to assets | 12.4888% | 1,580 |
| Core capital (leverage) ratio | 11.9560% | 1,676 |
| Tier 1 risk-based capital ratio | 20.7722% | 1,519 |
| Total risk-based capital ratio | 21.3232% | 1,668 |
| Memoranda: | ||
| Average total assets | $78,313,500 | 5,249 |
| Average earning assets | $74,553,500 | 5,157 |
| Average equity | $9,471,500 | 4,943 |
| Average total loans | $40,746,500 | 5,290 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8840% | 6,436 |
| Cost of funding earning assets | 0.1663% | 6,462 |
| Net interest margin | 2.7177% | 6,114 |
| Noninterest income to average assets | 0.0952% | 6,404 |
| Noninterest expense to average assets | 1.3565% | 6,650 |
| Loan and lease loss provision to assets | 0.2750% | 1,276 |
| Net operating income to assets | 0.9861% | 2,386 |
| Return on assets (ROA) | 0.7906% | 3,439 |
| Pretax return on assets | 0.8461% | 3,981 |
| Return on Equity (ROE) | 7.4341% | 3,340 |
| Retained earnings to average equity (ytd only) | 4.3262% | 3,100 |
| Net charge-offs to loans | 0.0858% | 4,010 |
| Credit loss provision to net charge-offs | 650.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 31.4688% | 1,136 |
| Efficiency ratio | 49.4835% | 6,420 |
| Assets per employee ($millions) | 6.0367% | 1,251 |
| Cash dividends to net income (ytd only)* | 41.8060% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4331% | 6,619 |
| 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 | 51.5565% | 4,913 |
| Net loans and leases to deposits | 64.2579% | 4,481 |
| Net loans and leases to core deposits | 65.6733% | 4,722 |
| Total domestic deposits to total assets | 80.2337% | 5,389 |
| Equity capital to assets | 11.7015% | 2,032 |
| Core capital (leverage) ratio | 12.1583% | 1,516 |
| Tier 1 risk-based capital ratio | 20.5696% | 1,521 |
| Total risk-based capital ratio | 20.9418% | 1,698 |
| Memoranda: | ||
| Average total assets | $75,637,600 | 5,337 |
| Average earning assets | $72,155,600 | 5,250 |
| Average equity | $8,044,000 | 5,325 |
| Average total loans | $37,304,200 | 5,450 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4355% | 6,720 |
| Cost of funding earning assets | 0.1490% | 6,638 |
| Net interest margin | 2.2865% | 6,596 |
| Noninterest income to average assets | 0.0872% | 6,517 |
| Noninterest expense to average assets | 1.1246% | 6,808 |
| Loan and lease loss provision to assets | 0.2064% | 1,759 |
| Net operating income to assets | 0.8743% | 2,973 |
| Return on assets (ROA) | 0.5979% | 4,483 |
| Pretax return on assets | 0.6442% | 4,869 |
| Return on Equity (ROE) | 5.7736% | 4,300 |
| Retained earnings to average equity (ytd only) | 5.7736% | 2,555 |
| Net charge-offs to loans | 0.0183% | 4,763 |
| Credit loss provision to net charge-offs | 2,320.0000% | 142 |
| Earnings coverage of net charge-offs (x) | 128.9325% | 414 |
| Efficiency ratio | 48.7079% | 6,470 |
| Assets per employee ($millions) | 6.1224% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3124% | 6,767 |
| Loan loss allowance to noncurrent loans | 119.3548% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.1168% | 6,085 |
| Noncurrent loans to loans | 0.2617% | 5,578 |
| Net loans and leases to total assets | 44.5088% | 5,683 |
| Net loans and leases to deposits | 55.9213% | 5,380 |
| Net loans and leases to core deposits | 57.1546% | 5,515 |
| Total domestic deposits to total assets | 79.5919% | 5,611 |
| Equity capital to assets | 11.9448% | 1,949 |
| Core capital (leverage) ratio | 12.6833% | 1,333 |
| Tier 1 risk-based capital ratio | 22.1953% | 1,286 |
| Total risk-based capital ratio | 22.4491% | 1,425 |
| Memoranda: | ||
| Average total assets | $74,927,750 | 5,405 |
| Average earning assets | $71,605,750 | 5,313 |
| Average equity | $7,759,250 | 5,456 |
| Average total loans | $36,471,250 | 5,532 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5628% | 6,878 |
| Cost of funding earning assets | 0.1229% | 6,773 |
| Net interest margin | 1.4400% | 6,859 |
| Noninterest income to average assets | 0.0627% | 6,629 |
| Noninterest expense to average assets | 0.7823% | 6,903 |
| Loan and lease loss provision to assets | 0.0681% | 3,681 |
| Net operating income to assets | 0.5152% | 4,733 |
| Return on assets (ROA) | 0.1554% | 6,127 |
| Pretax return on assets | 0.1772% | 6,111 |
| Return on Equity (ROE) | 1.5885% | 6,077 |
| Retained earnings to average equity (ytd only) | 1.5885% | 5,234 |
| Net charge-offs to loans | 0.0163% | 4,513 |
| Credit loss provision to net charge-offs | 833.3333% | 363 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 567 |
| Efficiency ratio | 54.4592% | 6,108 |
| Assets per employee ($millions) | 5.7380% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0570% | 6,871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 51.6717% | 4,908 |
| Net loans and leases to deposits | 60.5077% | 4,920 |
| Net loans and leases to core deposits | 61.8307% | 5,109 |
| Total domestic deposits to total assets | 85.3969% | 3,699 |
| Equity capital to assets | 12.2450% | 1,744 |
| Core capital (leverage) ratio | 12.6951% | 1,292 |
| Tier 1 risk-based capital ratio | 18.8674% | 2,031 |
| Total risk-based capital ratio | 18.9115% | 2,420 |
| Memoranda: | ||
| Average total assets | $73,373,330 | 5,478 |
| Average earning assets | $70,000,330 | 5,394 |
| Average equity | $7,176,670 | 5,638 |
| Average total loans | $36,783,000 | 5,550 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5009% | 5,702 |
| Cost of funding earning assets | 0.3151% | 5,841 |
| Net interest margin | 3.1857% | 4,970 |
| Noninterest income to average assets | 0.1154% | 6,518 |
| Noninterest expense to average assets | 2.1110% | 5,894 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6547% | 643 |
| Return on assets (ROA) | 1.6547% | 707 |
| Pretax return on assets | 1.0610% | 3,105 |
| Return on Equity (ROE) | 19.4256% | 329 |
| Retained earnings to average equity (ytd only) | 19.4256% | 154 |
| Net charge-offs to loans | 0.0557% | 3,269 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 38.6000% | 816 |
| Efficiency ratio | 66.5511% | 4,567 |
| Assets per employee ($millions) | 5.7271% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 5,628 |
| 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 | 48.8879% | 5,126 |
| Net loans and leases to deposits | 55.0959% | 5,340 |
| Net loans and leases to core deposits | 56.4564% | 5,480 |
| Total domestic deposits to total assets | 88.7323% | 1,850 |
| Equity capital to assets | 8.5182% | 6,005 |
| Core capital (leverage) ratio | 8.5854% | 5,465 |
| Tier 1 risk-based capital ratio | 13.9863% | 4,512 |
| Total risk-based capital ratio | 14.8783% | 4,743 |
| Memoranda: | ||
| Average total assets | $72,763,000 | 5,542 |
| Average earning assets | $69,811,000 | 5,441 |
| Average equity | $6,198,000 | 5,941 |
| Average total loans | $35,891,500 | 5,625 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8820% | 5,628 |
| Cost of funding earning assets | 0.4502% | 5,580 |
| Net interest margin | 3.4318% | 4,772 |
| Noninterest income to average assets | 0.2035% | 5,962 |
| Noninterest expense to average assets | 1.9356% | 6,447 |
| Loan and lease loss provision to assets | 0.3120% | 2,195 |
| Net operating income to assets | 0.9864% | 2,400 |
| Return on assets (ROA) | 0.9864% | 2,623 |
| Pretax return on assets | 1.2285% | 2,686 |
| Return on Equity (ROE) | 11.2098% | 1,736 |
| Retained earnings to average equity (ytd only) | 5.4192% | 2,432 |
| Net charge-offs to loans | 1.1174% | 936 |
| Credit loss provision to net charge-offs | 54.8303% | 4,583 |
| Earnings coverage of net charge-offs (x) | 2.7076% | 4,076 |
| Efficiency ratio | 55.6838% | 6,091 |
| Assets per employee ($millions) | 5.4672% | 1,714 |
| Cash dividends to net income (ytd only)* | 51.6566% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 5,280 |
| 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 | 48.6451% | 5,348 |
| Net loans and leases to deposits | 55.0279% | 5,546 |
| Net loans and leases to core deposits | 57.2635% | 5,614 |
| Total domestic deposits to total assets | 88.4008% | 1,964 |
| Equity capital to assets | 8.5179% | 6,037 |
| Core capital (leverage) ratio | 8.6200% | 5,436 |
| Tier 1 risk-based capital ratio | 13.9919% | 4,389 |
| Total risk-based capital ratio | 14.9391% | 4,559 |
| Memoranda: | ||
| Average total assets | $67,317,600 | 5,700 |
| Average earning assets | $64,193,400 | 5,602 |
| Average equity | $5,923,400 | 6,039 |
| Average total loans | $34,275,400 | 5,749 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9989% | 5,519 |
| Cost of funding earning assets | 0.4727% | 5,615 |
| Net interest margin | 3.5262% | 4,542 |
| Noninterest income to average assets | 0.2209% | 5,970 |
| Noninterest expense to average assets | 1.8700% | 6,578 |
| Loan and lease loss provision to assets | 0.3013% | 2,191 |
| Net operating income to assets | 1.1489% | 1,910 |
| Return on assets (ROA) | 1.1489% | 2,110 |
| Pretax return on assets | 1.4060% | 2,214 |
| Return on Equity (ROE) | 12.9466% | 1,350 |
| Retained earnings to average equity (ytd only) | 7.4466% | 1,874 |
| Net charge-offs to loans | 1.3607% | 677 |
| Credit loss provision to net charge-offs | 43.1034% | 4,550 |
| Earnings coverage of net charge-offs (x) | 2.4425% | 4,062 |
| Efficiency ratio | 52.2740% | 6,430 |
| Assets per employee ($millions) | 5.2593% | 1,874 |
| Cash dividends to net income (ytd only)* | 42.4821% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 5,480 |
| Loan loss allowance to noncurrent loans | 503.9474% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 6,447 |
| Noncurrent loans to loans | 0.2299% | 6,036 |
| Net loans and leases to total assets | 47.7849% | 5,575 |
| Net loans and leases to deposits | 54.5435% | 5,761 |
| Net loans and leases to core deposits | 57.1111% | 5,802 |
| Total domestic deposits to total assets | 87.6088% | 2,290 |
| Equity capital to assets | 8.8780% | 5,946 |
| Core capital (leverage) ratio | 8.8042% | 5,344 |
| Tier 1 risk-based capital ratio | 14.6726% | 4,068 |
| Total risk-based capital ratio | 15.6038% | 4,269 |
| Memoranda: | ||
| Average total assets | $66,378,500 | 5,799 |
| Average earning assets | $63,182,250 | 5,690 |
| Average equity | $5,890,750 | 6,122 |
| Average total loans | $34,098,750 | 5,829 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0866% | 5,366 |
| Cost of funding earning assets | 0.4931% | 5,666 |
| Net interest margin | 3.5935% | 4,287 |
| Noninterest income to average assets | 0.2374% | 5,868 |
| Noninterest expense to average assets | 1.8900% | 6,614 |
| Loan and lease loss provision to assets | 0.4565% | 1,399 |
| Net operating income to assets | 1.1048% | 2,029 |
| Return on assets (ROA) | 1.1048% | 2,246 |
| Pretax return on assets | 1.2843% | 2,612 |
| Return on Equity (ROE) | 12.4507% | 1,518 |
| Retained earnings to average equity (ytd only) | 8.2662% | 1,543 |
| Net charge-offs to loans | 1.7999% | 492 |
| Credit loss provision to net charge-offs | 48.3871% | 4,072 |
| Earnings coverage of net charge-offs (x) | 1.8452% | 4,053 |
| Efficiency ratio | 52.0536% | 6,502 |
| Assets per employee ($millions) | 5.1921% | 1,934 |
| Cash dividends to net income (ytd only)* | 33.6088% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 5,415 |
| Loan loss allowance to noncurrent loans | 300.7143% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 6,264 |
| Noncurrent loans to loans | 0.3942% | 5,750 |
| Net loans and leases to total assets | 51.9890% | 5,104 |
| Net loans and leases to deposits | 59.5631% | 5,283 |
| Net loans and leases to core deposits | 62.4017% | 5,354 |
| Total domestic deposits to total assets | 87.2839% | 2,607 |
| Equity capital to assets | 8.8715% | 5,841 |
| Core capital (leverage) ratio | 8.8637% | 5,103 |
| Tier 1 risk-based capital ratio | 13.3351% | 4,941 |
| Total risk-based capital ratio | 14.2790% | 5,141 |
| Memoranda: | ||
| Average total assets | $65,714,330 | 5,855 |
| Average earning assets | $62,056,670 | 5,765 |
| Average equity | $5,831,000 | 6,161 |
| Average total loans | $34,447,000 | 5,853 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0670% | 5,557 |
| Cost of funding earning assets | 0.5165% | 5,710 |
| Net interest margin | 3.5504% | 4,486 |
| Noninterest income to average assets | 0.1481% | 6,499 |
| Noninterest expense to average assets | 1.8018% | 6,789 |
| Loan and lease loss provision to assets | 0.6171% | 914 |
| Net operating income to assets | 0.7652% | 3,540 |
| Return on assets (ROA) | 0.7652% | 3,779 |
| Pretax return on assets | 1.0799% | 3,398 |
| Return on Equity (ROE) | 8.6223% | 2,986 |
| Retained earnings to average equity (ytd only) | 0.1391% | 5,934 |
| Net charge-offs to loans | 3.6563% | 175 |
| Credit loss provision to net charge-offs | 32.2581% | 3,588 |
| Earnings coverage of net charge-offs (x) | 0.8871% | 3,882 |
| Efficiency ratio | 51.4991% | 6,580 |
| Assets per employee ($millions) | 5.2668% | 1,914 |
| Cash dividends to net income (ytd only)* | 98.3871% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 5,923 |
| Loan loss allowance to noncurrent loans | 265.0000% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 6,376 |
| Noncurrent loans to loans | 0.4129% | 5,847 |
| Net loans and leases to total assets | 48.9805% | 5,434 |
| Net loans and leases to deposits | 55.8635% | 5,620 |
| Net loans and leases to core deposits | 60.5179% | 5,484 |
| Total domestic deposits to total assets | 87.6789% | 2,537 |
| Equity capital to assets | 8.3952% | 6,185 |
| Core capital (leverage) ratio | 8.6357% | 5,400 |
| Tier 1 risk-based capital ratio | 13.3793% | 4,913 |
| Total risk-based capital ratio | 14.2489% | 5,192 |
| Memoranda: | ||
| Average total assets | $64,823,000 | 5,927 |
| Average earning assets | $61,176,000 | 5,835 |
| Average equity | $5,752,500 | 6,211 |
| Average total loans | $33,914,500 | 5,916 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5057% | 5,054 |
| Cost of funding earning assets | 0.6752% | 5,684 |
| Net interest margin | 3.8305% | 3,672 |
| Noninterest income to average assets | 0.1840% | 6,178 |
| Noninterest expense to average assets | 2.1921% | 6,287 |
| Loan and lease loss provision to assets | 0.1719% | 4,480 |
| Net operating income to assets | 1.2430% | 1,396 |
| Return on assets (ROA) | 1.2430% | 1,496 |
| Pretax return on assets | 1.4579% | 1,607 |
| Return on Equity (ROE) | 13.0637% | 1,146 |
| Retained earnings to average equity (ytd only) | 8.5285% | 914 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3549% | 6,136 |
| Assets per employee ($millions) | 5.0982% | 2,070 |
| Cash dividends to net income (ytd only)* | 34.7165% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7128% | 3,154 |
| Loan loss allowance to noncurrent loans | 58,100.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 7,018 |
| Noncurrent loans to loans | 0.0029% | 6,867 |
| Net loans and leases to total assets | 54.4983% | 4,951 |
| Net loans and leases to deposits | 63.2849% | 5,092 |
| Net loans and leases to core deposits | 67.2469% | 5,129 |
| Total domestic deposits to total assets | 86.1159% | 3,252 |
| Equity capital to assets | 9.4102% | 5,010 |
| Core capital (leverage) ratio | 9.4193% | 4,156 |
| Tier 1 risk-based capital ratio | 13.8297% | 4,461 |
| Total risk-based capital ratio | 15.0828% | 4,412 |
| Memoranda: | ||
| Average total assets | $58,164,400 | 6,100 |
| Average earning assets | $55,241,400 | 6,011 |
| Average equity | $5,534,400 | 6,287 |
| Average total loans | $33,421,200 | 5,984 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6022% | 4,855 |
| Cost of funding earning assets | 0.7114% | 5,690 |
| Net interest margin | 3.8908% | 3,425 |
| Noninterest income to average assets | 0.1928% | 6,211 |
| Noninterest expense to average assets | 2.1366% | 6,438 |
| Loan and lease loss provision to assets | 0.1161% | 4,982 |
| Net operating income to assets | 1.4004% | 1,148 |
| Return on assets (ROA) | 1.4004% | 1,232 |
| Pretax return on assets | 1.6489% | 1,260 |
| Return on Equity (ROE) | 14.6745% | 902 |
| Retained earnings to average equity (ytd only) | 8.5662% | 1,291 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7619% | 6,417 |
| Assets per employee ($millions) | 4.8587% | 2,386 |
| Cash dividends to net income (ytd only)* | 41.6254% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6651% | 3,394 |
| 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 | 53.7853% | 5,195 |
| Net loans and leases to deposits | 63.0446% | 5,287 |
| Net loans and leases to core deposits | 67.7651% | 5,203 |
| Total domestic deposits to total assets | 85.3132% | 3,606 |
| Equity capital to assets | 9.6803% | 4,804 |
| Core capital (leverage) ratio | 9.5659% | 4,048 |
| Tier 1 risk-based capital ratio | 14.4185% | 4,038 |
| Total risk-based capital ratio | 15.6703% | 4,005 |
| Memoranda: | ||
| Average total assets | $57,411,000 | 6,168 |
| Average earning assets | $54,725,750 | 6,073 |
| Average equity | $5,478,750 | 6,345 |
| Average total loans | $33,296,000 | 6,052 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6562% | 4,727 |
| Cost of funding earning assets | 0.7534% | 5,647 |
| Net interest margin | 3.9029% | 3,297 |
| Noninterest income to average assets | 0.1996% | 6,239 |
| Noninterest expense to average assets | 2.2026% | 6,378 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4708% | 942 |
| Return on assets (ROA) | 1.4708% | 1,002 |
| Pretax return on assets | 1.7159% | 1,023 |
| Return on Equity (ROE) | 15.4877% | 719 |
| Retained earnings to average equity (ytd only) | 10.8414% | 693 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2109% | 6,401 |
| Assets per employee ($millions) | 4.3980% | 2,999 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 4,519 |
| 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 | 58.8117% | 4,497 |
| Net loans and leases to deposits | 69.5982% | 4,487 |
| Net loans and leases to core deposits | 76.1470% | 4,299 |
| Total domestic deposits to total assets | 84.5017% | 4,119 |
| Equity capital to assets | 9.7684% | 4,431 |
| Core capital (leverage) ratio | 9.4839% | 3,980 |
| Tier 1 risk-based capital ratio | 13.9367% | 4,214 |
| Total risk-based capital ratio | 15.1494% | 4,207 |
| Memoranda: | ||
| Average total assets | $57,113,330 | 6,234 |
| Average earning assets | $54,421,670 | 6,131 |
| Average equity | $5,423,670 | 6,396 |
| Average total loans | $33,764,670 | 6,089 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6289% | 4,828 |
| Cost of funding earning assets | 0.8255% | 5,425 |
| Net interest margin | 3.8033% | 3,600 |
| Noninterest income to average assets | 0.1962% | 6,319 |
| Noninterest expense to average assets | 2.0952% | 6,646 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6397% | 633 |
| Return on assets (ROA) | 1.6397% | 672 |
| Pretax return on assets | 1.7168% | 957 |
| Return on Equity (ROE) | 17.5182% | 523 |
| Retained earnings to average equity (ytd only) | 8.0853% | 1,700 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9632% | 6,606 |
| Assets per employee ($millions) | 4.5415% | 2,815 |
| Cash dividends to net income (ytd only)* | 53.8462% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 4,587 |
| Loan loss allowance to noncurrent loans | 890.7407% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 6,934 |
| Noncurrent loans to loans | 0.1589% | 6,658 |
| Net loans and leases to total assets | 56.7574% | 4,858 |
| Net loans and leases to deposits | 65.2231% | 5,091 |
| Net loans and leases to core deposits | 72.7429% | 4,686 |
| Total domestic deposits to total assets | 87.0204% | 2,926 |
| Equity capital to assets | 9.1296% | 4,988 |
| Core capital (leverage) ratio | 8.9846% | 4,636 |
| Tier 1 risk-based capital ratio | 13.4519% | 4,457 |
| Total risk-based capital ratio | 14.6631% | 4,473 |
| Memoranda: | ||
| Average total assets | $57,083,000 | 6,284 |
| Average earning assets | $54,268,000 | 6,189 |
| Average equity | $5,343,000 | 6,440 |
| Average total loans | $33,594,000 | 6,150 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9058% | 5,006 |
| Cost of funding earning assets | 1.1624% | 4,779 |
| Net interest margin | 3.7434% | 4,168 |
| Noninterest income to average assets | 0.2388% | 6,088 |
| Noninterest expense to average assets | 2.2987% | 6,364 |
| Loan and lease loss provision to assets | 0.1941% | 5,293 |
| Net operating income to assets | 0.8271% | 2,683 |
| Return on assets (ROA) | 0.8271% | 2,825 |
| Pretax return on assets | 1.2911% | 1,953 |
| Return on Equity (ROE) | 8.1292% | 2,654 |
| Retained earnings to average equity (ytd only) | 1.2594% | 4,926 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7491% | 5,932 |
| Assets per employee ($millions) | 4.5939% | 2,717 |
| Cash dividends to net income (ytd only)* | 84.5070% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4489% | 4,286 |
| Loan loss allowance to noncurrent loans | 1,202.5000% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 7,049 |
| Noncurrent loans to loans | 0.1205% | 6,837 |
| Net loans and leases to total assets | 59.3484% | 4,780 |
| Net loans and leases to deposits | 68.9272% | 4,965 |
| Net loans and leases to core deposits | 79.5086% | 4,275 |
| Total domestic deposits to total assets | 86.1030% | 3,307 |
| Equity capital to assets | 9.6069% | 4,265 |
| Core capital (leverage) ratio | 9.3384% | 3,948 |
| Tier 1 risk-based capital ratio | 13.6854% | 4,071 |
| Total risk-based capital ratio | 14.9353% | 4,047 |
| Memoranda: | ||
| Average total assets | $51,506,600 | 6,483 |
| Average earning assets | $48,779,000 | 6,412 |
| Average equity | $5,240,400 | 6,577 |
| Average total loans | $31,267,600 | 6,349 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9075% | 5,231 |
| Cost of funding earning assets | 1.2234% | 4,723 |
| Net interest margin | 3.6841% | 4,488 |
| Noninterest income to average assets | 0.2503% | 6,096 |
| Noninterest expense to average assets | 2.1448% | 6,747 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1620% | 1,698 |
| Return on assets (ROA) | 1.1620% | 1,796 |
| Pretax return on assets | 1.5888% | 1,372 |
| Return on Equity (ROE) | 11.2502% | 1,711 |
| Retained earnings to average equity (ytd only) | 2.0664% | 4,922 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4453% | 6,354 |
| Assets per employee ($millions) | 4.6084% | 2,737 |
| Cash dividends to net income (ytd only)* | 81.6323% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 5,332 |
| 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 | 55.2124% | 5,666 |
| Net loans and leases to deposits | 64.3762% | 5,868 |
| Net loans and leases to core deposits | 74.7515% | 5,201 |
| Total domestic deposits to total assets | 85.7652% | 3,210 |
| Equity capital to assets | 9.6508% | 4,619 |
| Core capital (leverage) ratio | 9.4556% | 3,970 |
| Tier 1 risk-based capital ratio | 11.5798% | 5,850 |
| Total risk-based capital ratio | 12.4203% | 6,217 |
| Memoranda: | ||
| Average total assets | $50,601,500 | 6,589 |
| Average earning assets | $47,843,750 | 6,514 |
| Average equity | $5,226,500 | 6,661 |
| Average total loans | $30,785,000 | 6,446 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9771% | 5,040 |
| Cost of funding earning assets | 1.2400% | 4,893 |
| Net interest margin | 3.7371% | 4,200 |
| Noninterest income to average assets | 0.2488% | 6,129 |
| Noninterest expense to average assets | 2.3289% | 6,277 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0768% | 1,928 |
| Return on assets (ROA) | 1.0768% | 2,005 |
| Pretax return on assets | 1.4602% | 1,671 |
| Return on Equity (ROE) | 10.1741% | 2,035 |
| Retained earnings to average equity (ytd only) | 2.3508% | 4,664 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4639% | 5,775 |
| Assets per employee ($millions) | 4.4618% | 2,939 |
| Cash dividends to net income (ytd only)* | 76.8939% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2044% | 5,439 |
| 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 | 58.3740% | 5,358 |
| Net loans and leases to deposits | 68.8793% | 5,434 |
| Net loans and leases to core deposits | 78.6422% | 4,851 |
| Total domestic deposits to total assets | 84.7481% | 3,750 |
| Equity capital to assets | 9.9232% | 4,108 |
| Core capital (leverage) ratio | 10.2057% | 2,933 |
| Tier 1 risk-based capital ratio | 11.7158% | 5,572 |
| Total risk-based capital ratio | 12.5695% | 5,909 |
| Memoranda: | ||
| Average total assets | $49,035,000 | 6,695 |
| Average earning assets | $46,452,670 | 6,613 |
| Average equity | $5,189,670 | 6,713 |
| Average total loans | $30,742,000 | 6,487 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2078% | 3,976 |
| Cost of funding earning assets | 1.2361% | 5,201 |
| Net interest margin | 3.9717% | 2,990 |
| Noninterest income to average assets | 0.2480% | 6,168 |
| Noninterest expense to average assets | 2.2573% | 6,519 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2569% | 1,393 |
| Return on assets (ROA) | 1.2569% | 1,466 |
| Pretax return on assets | 1.7272% | 1,009 |
| Return on Equity (ROE) | 11.4665% | 1,650 |
| Retained earnings to average equity (ytd only) | -4.2902% | 6,533 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6524% | 6,676 |
| Assets per employee ($millions) | 3.9775% | 3,927 |
| Cash dividends to net income (ytd only)* | 137.4150% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2662% | 5,114 |
| 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 | 62.2439% | 4,712 |
| Net loans and leases to deposits | 74.9489% | 4,594 |
| Net loans and leases to core deposits | 86.3057% | 3,847 |
| Total domestic deposits to total assets | 83.0484% | 4,596 |
| Equity capital to assets | 10.8799% | 2,866 |
| Core capital (leverage) ratio | 11.0933% | 2,166 |
| Tier 1 risk-based capital ratio | 13.2796% | 4,142 |
| Total risk-based capital ratio | 14.2694% | 4,294 |
| Memoranda: | ||
| Average total assets | $46,782,000 | 6,849 |
| Average earning assets | $44,011,000 | 6,774 |
| Average equity | $5,128,000 | 6,810 |
| Average total loans | $30,295,500 | 6,589 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3971% | 4,713 |
| Cost of funding earning assets | 1.2840% | 6,365 |
| Net interest margin | 4.1131% | 2,395 |
| Noninterest income to average assets | 0.2820% | 6,090 |
| Noninterest expense to average assets | 2.3980% | 6,473 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2235% | 1,190 |
| Return on assets (ROA) | 1.2235% | 1,247 |
| Pretax return on assets | 1.7735% | 668 |
| Return on Equity (ROE) | 10.4878% | 1,556 |
| Retained earnings to average equity (ytd only) | 2.7968% | 3,206 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4860% | 6,835 |
| Assets per employee ($millions) | 4.1667% | 3,499 |
| Cash dividends to net income (ytd only)* | 73.3333% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 5,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 65.7176% | 4,230 |
| Net loans and leases to deposits | 78.7972% | 4,214 |
| Net loans and leases to core deposits | 102.2402% | 3,780 |
| Total domestic deposits to total assets | 83.4010% | 4,335 |
| Equity capital to assets | 11.0464% | 2,678 |
| Core capital (leverage) ratio | 11.3749% | 1,985 |
| Tier 1 risk-based capital ratio | 13.1328% | 4,058 |
| Total risk-based capital ratio | 14.1373% | 4,171 |
| Memoranda: | ||
| Average total assets | $42,910,200 | 6,994 |
| Average earning assets | $40,577,400 | 6,924 |
| Average equity | $5,005,800 | 6,937 |
| Average total loans | $26,721,600 | 6,820 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4201% | 4,846 |
| Cost of funding earning assets | 1.2935% | 6,576 |
| Net interest margin | 4.1266% | 2,299 |
| Noninterest income to average assets | 0.2971% | 6,097 |
| Noninterest expense to average assets | 2.3360% | 6,607 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.3940% | 1,045 |
| Return on assets (ROA) | 1.3940% | 1,109 |
| Pretax return on assets | 1.8840% | 682 |
| Return on Equity (ROE) | 11.7798% | 1,426 |
| Retained earnings to average equity (ytd only) | 1.4957% | 4,475 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3558% | 7,083 |
| Assets per employee ($millions) | 3.9086% | 3,914 |
| Cash dividends to net income (ytd only)* | 87.3008% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 4,305 |
| 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 | 65.4518% | 4,543 |
| Net loans and leases to deposits | 79.9710% | 4,393 |
| Net loans and leases to core deposits | 104.0948% | 3,922 |
| Total domestic deposits to total assets | 81.8444% | 4,744 |
| Equity capital to assets | 11.6362% | 2,479 |
| Core capital (leverage) ratio | 11.2602% | 2,212 |
| Tier 1 risk-based capital ratio | 13.6425% | 3,753 |
| Total risk-based capital ratio | 14.7039% | 3,826 |
| Memoranda: | ||
| Average total assets | $42,179,250 | 7,072 |
| Average earning assets | $40,097,000 | 6,997 |
| Average equity | $4,991,500 | 7,000 |
| Average total loans | $25,776,750 | 6,927 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3620% | 5,344 |
| Cost of funding earning assets | 1.3066% | 6,782 |
| Net interest margin | 4.0554% | 2,488 |
| Noninterest income to average assets | 0.2863% | 6,215 |
| Noninterest expense to average assets | 2.2860% | 6,793 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3554% | 1,113 |
| Return on assets (ROA) | 1.3554% | 1,184 |
| Pretax return on assets | 1.8517% | 773 |
| Return on Equity (ROE) | 11.3881% | 1,591 |
| Retained earnings to average equity (ytd only) | 3.6891% | 3,242 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2480% | 7,201 |
| Assets per employee ($millions) | 3.8960% | 3,877 |
| Cash dividends to net income (ytd only)* | 67.6056% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 3,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 61.8373% | 5,385 |
| Net loans and leases to deposits | 75.5272% | 5,239 |
| Net loans and leases to core deposits | 91.0124% | 5,449 |
| Total domestic deposits to total assets | 81.8742% | 4,743 |
| Equity capital to assets | 11.7790% | 2,338 |
| Core capital (leverage) ratio | 11.7763% | 1,936 |
| Tier 1 risk-based capital ratio | 14.0893% | 3,467 |
| Total risk-based capital ratio | 15.1775% | 3,499 |
| Memoranda: | ||
| Average total assets | $41,907,330 | 7,138 |
| Average earning assets | $39,798,670 | 7,063 |
| Average equity | $4,987,670 | 7,067 |
| Average total loans | $24,862,000 | 7,039 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3360% | 5,723 |
| Cost of funding earning assets | 1.3441% | 6,894 |
| Net interest margin | 3.9919% | 2,677 |
| Noninterest income to average assets | 0.2607% | 6,367 |
| Noninterest expense to average assets | 2.2784% | 6,605 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2550% | 1,493 |
| Return on assets (ROA) | 1.2550% | 1,593 |
| Pretax return on assets | 1.7957% | 982 |
| Return on Equity (ROE) | 10.4892% | 2,133 |
| Retained earnings to average equity (ytd only) | -5.0832% | 6,558 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9242% | 6,977 |
| Assets per employee ($millions) | 3.7217% | 4,293 |
| Cash dividends to net income (ytd only)* | 148.4615% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5938% | 2,544 |
| 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 | 57.3121% | 6,053 |
| Net loans and leases to deposits | 69.5406% | 6,019 |
| Net loans and leases to core deposits | 85.9230% | 5,910 |
| Total domestic deposits to total assets | 82.4153% | 4,401 |
| Equity capital to assets | 11.9861% | 2,270 |
| Core capital (leverage) ratio | 11.2366% | 2,311 |
| Tier 1 risk-based capital ratio | 14.9158% | 3,114 |
| Total risk-based capital ratio | 16.1053% | 3,061 |
| Memoranda: | ||
| Average total assets | $41,433,000 | 7,192 |
| Average earning assets | $39,580,000 | 7,111 |
| Average equity | $4,957,500 | 7,126 |
| Average total loans | $23,852,500 | 7,141 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9712% | 5,695 |
| Cost of funding earning assets | 1.9487% | 6,578 |
| Net interest margin | 4.0225% | 3,016 |
| Noninterest income to average assets | 0.2958% | 6,347 |
| Noninterest expense to average assets | 2.3132% | 6,656 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2539% | 1,624 |
| Return on assets (ROA) | 1.2539% | 1,566 |
| Pretax return on assets | 1.7191% | 1,103 |
| Return on Equity (ROE) | 10.2116% | 2,184 |
| Retained earnings to average equity (ytd only) | 2.3470% | 3,740 |
| Net charge-offs to loans | 0.0046% | 6,922 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 680.0000% | 83 |
| Efficiency ratio | 57.3668% | 6,808 |
| Assets per employee ($millions) | 3.8115% | 3,932 |
| Cash dividends to net income (ytd only)* | 77.0161% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 2,278 |
| 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 | 56.0069% | 6,440 |
| Net loans and leases to deposits | 67.8357% | 6,477 |
| Net loans and leases to core deposits | 85.6476% | 6,157 |
| Total domestic deposits to total assets | 82.5625% | 3,972 |
| Equity capital to assets | 11.9446% | 2,326 |
| Core capital (leverage) ratio | 11.6111% | 2,186 |
| Tier 1 risk-based capital ratio | 15.1876% | 2,963 |
| Total risk-based capital ratio | 16.3830% | 2,911 |
| Memoranda: | ||
| Average total assets | $39,555,600 | 7,234 |
| Average earning assets | $36,743,000 | 7,202 |
| Average equity | $4,857,200 | 7,196 |
| Average total loans | $21,578,600 | 7,219 |