Home > The Missouri Bank II > Performance and Condition Ratios
The Missouri Bank II, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5125% | 2,282 |
| Cost of funding earning assets | 0.9841% | 1,489 |
| Net interest margin | 3.5283% | 2,887 |
| Noninterest income to average assets | 0.4030% | 3,076 |
| Noninterest expense to average assets | 2.2185% | 3,963 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3968% | 990 |
| Return on assets (ROA) | 1.3968% | 1,069 |
| Pretax return on assets | 1.3968% | 1,573 |
| Return on Equity (ROE) | 12.7946% | 916 |
| Retained earnings to average equity (ytd only) | 12.7946% | 340 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3636% | 3,568 |
| Assets per employee ($millions) | 4.6750% | 3,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2068% | 371 |
| Loan loss allowance to noncurrent loans | 896.7033% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 2,871 |
| Noncurrent loans to loans | 0.2461% | 3,603 |
| Net loans and leases to total assets | 70.3179% | 2,198 |
| Net loans and leases to deposits | 82.1262% | 2,436 |
| Net loans and leases to core deposits | 90.9230% | 2,260 |
| Total domestic deposits to total assets | 85.6218% | 2,158 |
| Equity capital to assets | 10.9878% | 2,865 |
| Core capital (leverage) ratio | 10.8955% | 2,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8410% | 1,387 |
| Memoranda: | ||
| Average total assets | $102,232,000 | 3,956 |
| Average earning assets | $93,075,500 | 3,986 |
| Average equity | $11,161,000 | 4,105 |
| Average total loans | $73,425,000 | 3,691 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5350% | 2,828 |
| Cost of funding earning assets | 0.9971% | 1,735 |
| Net interest margin | 3.5379% | 3,321 |
| Noninterest income to average assets | 0.4384% | 3,062 |
| Noninterest expense to average assets | 2.4748% | 3,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1955% | 2,074 |
| Return on assets (ROA) | 1.1955% | 2,172 |
| Pretax return on assets | 1.1955% | 2,855 |
| Return on Equity (ROE) | 11.1062% | 1,842 |
| Retained earnings to average equity (ytd only) | 1.8278% | 4,068 |
| Net charge-offs to loans | -0.0028% | 4,258 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4286% | 2,540 |
| Assets per employee ($millions) | 4.2339% | 3,594 |
| Cash dividends to net income (ytd only)* | 83.5422% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2388% | 316 |
| Loan loss allowance to noncurrent loans | 863.4921% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 2,781 |
| Noncurrent loans to loans | 0.2593% | 3,516 |
| Net loans and leases to total assets | 70.1321% | 2,381 |
| Net loans and leases to deposits | 81.6424% | 2,594 |
| Net loans and leases to core deposits | 90.0583% | 2,421 |
| Total domestic deposits to total assets | 85.9015% | 2,104 |
| Equity capital to assets | 10.8459% | 3,141 |
| Core capital (leverage) ratio | 10.5944% | 2,862 |
| Tier 1 risk-based capital ratio | 15.2747% | 2,669 |
| Total risk-based capital ratio | 16.5371% | 2,591 |
| Memoranda: | ||
| Average total assets | $100,128,600 | 4,000 |
| Average earning assets | $91,467,000 | 4,024 |
| Average equity | $10,777,800 | 4,150 |
| Average total loans | $70,729,800 | 3,764 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5352% | 2,946 |
| Cost of funding earning assets | 0.9796% | 1,847 |
| Net interest margin | 3.5556% | 3,385 |
| Noninterest income to average assets | 0.4357% | 3,095 |
| Noninterest expense to average assets | 2.5354% | 3,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1508% | 2,360 |
| Return on assets (ROA) | 1.1508% | 2,452 |
| Pretax return on assets | 1.1508% | 3,129 |
| Return on Equity (ROE) | 10.7117% | 2,136 |
| Retained earnings to average equity (ytd only) | 4.4912% | 3,149 |
| Net charge-offs to loans | -0.0019% | 4,051 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7817% | 2,292 |
| Assets per employee ($millions) | 4.2403% | 3,558 |
| Cash dividends to net income (ytd only)* | 58.0721% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3123% | 279 |
| Loan loss allowance to noncurrent loans | 840.7216% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.4098% | 2,872 |
| Noncurrent loans to loans | 0.2750% | 3,554 |
| Net loans and leases to total assets | 67.7093% | 2,834 |
| Net loans and leases to deposits | 79.1048% | 2,998 |
| Net loans and leases to core deposits | 87.4240% | 2,787 |
| Total domestic deposits to total assets | 85.5944% | 2,169 |
| Equity capital to assets | 10.9771% | 3,112 |
| Core capital (leverage) ratio | 10.7844% | 2,856 |
| Tier 1 risk-based capital ratio | 15.7417% | 2,536 |
| Total risk-based capital ratio | 17.0047% | 2,472 |
| Memoranda: | ||
| Average total assets | $99,757,250 | 4,047 |
| Average earning assets | $91,195,500 | 4,073 |
| Average equity | $10,717,000 | 4,198 |
| Average total loans | $70,188,250 | 3,811 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5538% | 2,829 |
| Cost of funding earning assets | 0.9506% | 1,906 |
| Net interest margin | 3.6031% | 3,243 |
| Noninterest income to average assets | 0.4239% | 3,105 |
| Noninterest expense to average assets | 2.5190% | 3,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1868% | 2,194 |
| Return on assets (ROA) | 1.1868% | 2,259 |
| Pretax return on assets | 1.1868% | 2,952 |
| Return on Equity (ROE) | 11.1304% | 1,927 |
| Retained earnings to average equity (ytd only) | 1.6658% | 4,221 |
| Net charge-offs to loans | -0.0029% | 4,023 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9739% | 2,532 |
| Assets per employee ($millions) | 4.2109% | 3,558 |
| Cash dividends to net income (ytd only)* | 85.0340% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3469% | 277 |
| Loan loss allowance to noncurrent loans | 811.4428% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 2,836 |
| Noncurrent loans to loans | 0.2892% | 3,494 |
| Net loans and leases to total assets | 67.1535% | 2,944 |
| Net loans and leases to deposits | 78.4623% | 3,116 |
| Net loans and leases to core deposits | 86.2809% | 2,938 |
| Total domestic deposits to total assets | 85.5869% | 2,229 |
| Equity capital to assets | 10.7272% | 3,322 |
| Core capital (leverage) ratio | 10.7558% | 2,834 |
| Tier 1 risk-based capital ratio | 15.7744% | 2,514 |
| Total risk-based capital ratio | 17.0382% | 2,442 |
| Memoranda: | ||
| Average total assets | $99,087,670 | 4,086 |
| Average earning assets | $90,254,670 | 4,112 |
| Average equity | $10,565,670 | 4,225 |
| Average total loans | $70,072,330 | 3,838 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5092% | 2,837 |
| Cost of funding earning assets | 0.9018% | 1,988 |
| Net interest margin | 3.6074% | 3,229 |
| Noninterest income to average assets | 0.4118% | 3,097 |
| Noninterest expense to average assets | 2.6096% | 3,191 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0805% | 2,543 |
| Return on assets (ROA) | 1.0805% | 2,586 |
| Pretax return on assets | 1.0805% | 3,203 |
| Return on Equity (ROE) | 10.1649% | 2,292 |
| Retained earnings to average equity (ytd only) | -9.0142% | 5,068 |
| Net charge-offs to loans | -0.0057% | 4,060 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7182% | 2,236 |
| Assets per employee ($millions) | 4.3447% | 3,421 |
| Cash dividends to net income (ytd only)* | 188.6792% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3176% | 296 |
| Loan loss allowance to noncurrent loans | 462.0397% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.5764% | 2,343 |
| Noncurrent loans to loans | 0.5016% | 2,811 |
| Net loans and leases to total assets | 68.7935% | 2,649 |
| Net loans and leases to deposits | 80.0867% | 2,830 |
| Net loans and leases to core deposits | 88.1220% | 2,668 |
| Total domestic deposits to total assets | 85.8988% | 2,322 |
| Equity capital to assets | 10.4065% | 3,412 |
| Core capital (leverage) ratio | 10.6109% | 2,933 |
| Tier 1 risk-based capital ratio | 15.0683% | 2,863 |
| Total risk-based capital ratio | 16.3318% | 2,765 |
| Memoranda: | ||
| Average total assets | $98,101,000 | 4,135 |
| Average earning assets | $89,151,000 | 4,164 |
| Average equity | $10,428,000 | 4,269 |
| Average total loans | $70,360,000 | 3,857 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3461% | 2,941 |
| Cost of funding earning assets | 0.6142% | 2,623 |
| Net interest margin | 3.7318% | 2,932 |
| Noninterest income to average assets | 0.4576% | 3,064 |
| Noninterest expense to average assets | 2.5213% | 3,550 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3389% | 1,659 |
| Return on assets (ROA) | 1.3389% | 1,645 |
| Pretax return on assets | 1.3389% | 2,371 |
| Return on Equity (ROE) | 12.8239% | 1,408 |
| Retained earnings to average equity (ytd only) | 6.7510% | 1,785 |
| Net charge-offs to loans | 0.0029% | 3,635 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 633.5000% | 170 |
| Efficiency ratio | 65.3162% | 2,986 |
| Assets per employee ($millions) | 4.0114% | 3,880 |
| Cash dividends to net income (ytd only)* | 47.3560% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3172% | 280 |
| Loan loss allowance to noncurrent loans | 802.9557% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.4446% | 2,789 |
| Noncurrent loans to loans | 0.2886% | 3,532 |
| Net loans and leases to total assets | 71.3744% | 2,367 |
| Net loans and leases to deposits | 83.6600% | 2,545 |
| Net loans and leases to core deposits | 92.5106% | 2,364 |
| Total domestic deposits to total assets | 85.3148% | 2,510 |
| Equity capital to assets | 10.8617% | 2,835 |
| Core capital (leverage) ratio | 11.1935% | 2,363 |
| Tier 1 risk-based capital ratio | 15.5259% | 2,604 |
| Total risk-based capital ratio | 16.7904% | 2,523 |
| Memoranda: | ||
| Average total assets | $94,633,200 | 4,192 |
| Average earning assets | $86,284,600 | 4,216 |
| Average equity | $9,880,000 | 4,319 |
| Average total loans | $68,520,200 | 3,900 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2987% | 2,968 |
| Cost of funding earning assets | 0.5880% | 2,562 |
| Net interest margin | 3.7108% | 2,982 |
| Noninterest income to average assets | 0.4556% | 3,135 |
| Noninterest expense to average assets | 2.5768% | 3,359 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2636% | 1,984 |
| Return on assets (ROA) | 1.2636% | 1,993 |
| Pretax return on assets | 1.2636% | 2,753 |
| Return on Equity (ROE) | 12.2296% | 1,710 |
| Retained earnings to average equity (ytd only) | 4.0126% | 3,763 |
| Net charge-offs to loans | 0.0039% | 3,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 445.9326% | 207 |
| Efficiency ratio | 67.0965% | 2,697 |
| Assets per employee ($millions) | 3.9538% | 3,960 |
| Cash dividends to net income (ytd only)* | 67.1891% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3582% | 283 |
| Loan loss allowance to noncurrent loans | 776.1905% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.4584% | 2,857 |
| Noncurrent loans to loans | 0.3038% | 3,585 |
| Net loans and leases to total assets | 71.1255% | 2,473 |
| Net loans and leases to deposits | 83.3449% | 2,673 |
| Net loans and leases to core deposits | 91.8295% | 2,498 |
| Total domestic deposits to total assets | 85.3388% | 2,471 |
| Equity capital to assets | 10.4658% | 3,175 |
| Core capital (leverage) ratio | 10.8069% | 2,786 |
| Tier 1 risk-based capital ratio | 15.4039% | 2,690 |
| Total risk-based capital ratio | 16.6682% | 2,614 |
| Memoranda: | ||
| Average total assets | $94,223,000 | 4,236 |
| Average earning assets | $85,946,000 | 4,268 |
| Average equity | $9,735,750 | 4,379 |
| Average total loans | $68,064,000 | 3,946 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2409% | 2,978 |
| Cost of funding earning assets | 0.5866% | 2,320 |
| Net interest margin | 3.6543% | 3,099 |
| Noninterest income to average assets | 0.4596% | 3,094 |
| Noninterest expense to average assets | 2.5468% | 3,493 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2532% | 1,965 |
| Return on assets (ROA) | 1.2532% | 1,965 |
| Pretax return on assets | 1.2532% | 2,714 |
| Return on Equity (ROE) | 12.1812% | 1,659 |
| Retained earnings to average equity (ytd only) | -0.2275% | 4,987 |
| Net charge-offs to loans | 0.0059% | 2,936 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 294.5000% | 310 |
| Efficiency ratio | 67.0213% | 2,817 |
| Assets per employee ($millions) | 3.9013% | 4,053 |
| Cash dividends to net income (ytd only)* | 101.8676% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3986% | 275 |
| Loan loss allowance to noncurrent loans | 819.0955% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.4539% | 2,915 |
| Noncurrent loans to loans | 0.2928% | 3,653 |
| Net loans and leases to total assets | 70.8384% | 2,457 |
| Net loans and leases to deposits | 82.7658% | 2,686 |
| Net loans and leases to core deposits | 92.5565% | 2,349 |
| Total domestic deposits to total assets | 85.5890% | 2,462 |
| Equity capital to assets | 10.3738% | 3,248 |
| Core capital (leverage) ratio | 10.5820% | 2,942 |
| Tier 1 risk-based capital ratio | 15.4023% | 2,689 |
| Total risk-based capital ratio | 16.6680% | 2,608 |
| Memoranda: | ||
| Average total assets | $94,000,670 | 4,279 |
| Average earning assets | $85,925,670 | 4,298 |
| Average equity | $9,670,670 | 4,429 |
| Average total loans | $67,711,670 | 3,982 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2168% | 2,832 |
| Cost of funding earning assets | 0.6223% | 1,901 |
| Net interest margin | 3.5945% | 3,204 |
| Noninterest income to average assets | 0.4544% | 3,086 |
| Noninterest expense to average assets | 2.6586% | 3,163 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0830% | 2,507 |
| Return on assets (ROA) | 1.0830% | 2,524 |
| Pretax return on assets | 1.0830% | 3,237 |
| Return on Equity (ROE) | 10.5705% | 2,140 |
| Retained earnings to average equity (ytd only) | -14.3013% | 5,444 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0556% | 2,325 |
| Assets per employee ($millions) | 3.8596% | 4,201 |
| Cash dividends to net income (ytd only)* | 235.2941% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4419% | 270 |
| Loan loss allowance to noncurrent loans | 728.5714% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.4869% | 2,906 |
| Noncurrent loans to loans | 0.3352% | 3,565 |
| Net loans and leases to total assets | 70.3886% | 2,414 |
| Net loans and leases to deposits | 81.9129% | 2,607 |
| Net loans and leases to core deposits | 91.6697% | 2,327 |
| Total domestic deposits to total assets | 85.9311% | 2,573 |
| Equity capital to assets | 10.1166% | 3,483 |
| Core capital (leverage) ratio | 10.0512% | 3,471 |
| Tier 1 risk-based capital ratio | 14.7682% | 3,000 |
| Total risk-based capital ratio | 16.0330% | 2,908 |
| Memoranda: | ||
| Average total assets | $94,186,000 | 4,320 |
| Average earning assets | $86,131,000 | 4,342 |
| Average equity | $9,649,500 | 4,475 |
| Average total loans | $67,589,500 | 4,021 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0592% | 3,205 |
| Cost of funding earning assets | 0.5033% | 2,307 |
| Net interest margin | 3.5560% | 3,318 |
| Noninterest income to average assets | 0.4620% | 3,234 |
| Noninterest expense to average assets | 2.6180% | 3,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0847% | 1,912 |
| Return on assets (ROA) | 1.0847% | 1,936 |
| Pretax return on assets | 1.0847% | 3,249 |
| Return on Equity (ROE) | 9.8913% | 1,937 |
| Retained earnings to average equity (ytd only) | -1.8114% | 5,270 |
| Net charge-offs to loans | 0.0065% | 3,844 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 243.0000% | 344 |
| Efficiency ratio | 70.7052% | 2,439 |
| Assets per employee ($millions) | 4.1627% | 3,715 |
| Cash dividends to net income (ytd only)* | 118.3128% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3879% | 286 |
| Loan loss allowance to noncurrent loans | 777.1429% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.4564% | 3,044 |
| Noncurrent loans to loans | 0.3073% | 3,679 |
| Net loans and leases to total assets | 69.6810% | 2,570 |
| Net loans and leases to deposits | 86.3768% | 2,211 |
| Net loans and leases to core deposits | 96.4535% | 1,989 |
| Total domestic deposits to total assets | 80.6710% | 4,200 |
| Equity capital to assets | 10.3695% | 3,311 |
| Core capital (leverage) ratio | 10.4676% | 2,881 |
| Tier 1 risk-based capital ratio | 14.7879% | 2,938 |
| Total risk-based capital ratio | 16.0521% | 2,870 |
| Memoranda: | ||
| Average total assets | $89,612,000 | 4,431 |
| Average earning assets | $81,665,800 | 4,437 |
| Average equity | $9,826,800 | 4,481 |
| Average total loans | $61,147,800 | 4,175 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0175% | 3,288 |
| Cost of funding earning assets | 0.4776% | 2,452 |
| Net interest margin | 3.5398% | 3,352 |
| Noninterest income to average assets | 0.4602% | 3,271 |
| Noninterest expense to average assets | 2.6430% | 3,274 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0369% | 2,384 |
| Return on assets (ROA) | 1.0369% | 2,421 |
| Pretax return on assets | 1.0369% | 3,537 |
| Return on Equity (ROE) | 9.3181% | 2,436 |
| Retained earnings to average equity (ytd only) | -6.3254% | 5,572 |
| Net charge-offs to loans | -0.0045% | 4,437 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8223% | 2,227 |
| Assets per employee ($millions) | 3.8529% | 4,228 |
| Cash dividends to net income (ytd only)* | 167.8839% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6077% | 234 |
| Loan loss allowance to noncurrent loans | 466.6667% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.6262% | 2,632 |
| Noncurrent loans to loans | 0.5588% | 3,021 |
| Net loans and leases to total assets | 66.1584% | 3,082 |
| Net loans and leases to deposits | 80.1793% | 2,956 |
| Net loans and leases to core deposits | 87.9623% | 2,775 |
| Total domestic deposits to total assets | 82.5131% | 3,623 |
| Equity capital to assets | 10.6219% | 3,247 |
| Core capital (leverage) ratio | 10.7066% | 2,756 |
| Tier 1 risk-based capital ratio | 15.3850% | 2,755 |
| Total risk-based capital ratio | 16.6518% | 2,693 |
| Memoranda: | ||
| Average total assets | $88,079,500 | 4,503 |
| Average earning assets | $80,114,500 | 4,507 |
| Average equity | $9,801,500 | 4,530 |
| Average total loans | $59,348,250 | 4,259 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9787% | 3,290 |
| Cost of funding earning assets | 0.4472% | 2,628 |
| Net interest margin | 3.5315% | 3,292 |
| Noninterest income to average assets | 0.4872% | 3,105 |
| Noninterest expense to average assets | 2.6554% | 3,246 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0414% | 2,244 |
| Return on assets (ROA) | 1.0414% | 2,284 |
| Pretax return on assets | 1.0414% | 3,400 |
| Return on Equity (ROE) | 9.2091% | 2,410 |
| Retained earnings to average equity (ytd only) | -11.2102% | 5,670 |
| Net charge-offs to loans | -0.0069% | 4,418 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8301% | 2,373 |
| Assets per employee ($millions) | 3.6770% | 4,470 |
| Cash dividends to net income (ytd only)* | 221.7295% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7851% | 205 |
| Loan loss allowance to noncurrent loans | 674.0741% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.5598% | 2,897 |
| Noncurrent loans to loans | 0.4132% | 3,545 |
| Net loans and leases to total assets | 64.7890% | 3,280 |
| Net loans and leases to deposits | 76.8285% | 3,241 |
| Net loans and leases to core deposits | 82.1279% | 3,241 |
| Total domestic deposits to total assets | 84.3294% | 3,074 |
| Equity capital to assets | 11.0461% | 2,755 |
| Core capital (leverage) ratio | 11.0319% | 2,372 |
| Tier 1 risk-based capital ratio | 16.1576% | 2,441 |
| Total risk-based capital ratio | 17.4257% | 2,379 |
| Memoranda: | ||
| Average total assets | $86,616,330 | 4,549 |
| Average earning assets | $78,719,330 | 4,554 |
| Average equity | $9,794,670 | 4,543 |
| Average total loans | $58,193,000 | 4,309 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0600% | 2,800 |
| Cost of funding earning assets | 0.4420% | 2,597 |
| Net interest margin | 3.6180% | 2,825 |
| Noninterest income to average assets | 0.4802% | 3,111 |
| Noninterest expense to average assets | 2.7412% | 2,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0210% | 2,224 |
| Return on assets (ROA) | 1.0210% | 2,277 |
| Pretax return on assets | 1.0210% | 3,285 |
| Return on Equity (ROE) | 8.9224% | 2,458 |
| Retained earnings to average equity (ytd only) | -19.5967% | 5,721 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8625% | 2,430 |
| Assets per employee ($millions) | 3.4970% | 4,790 |
| Cash dividends to net income (ytd only)* | 319.6347% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8405% | 213 |
| Loan loss allowance to noncurrent loans | 723.8938% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.5468% | 3,045 |
| Noncurrent loans to loans | 0.3924% | 3,696 |
| Net loans and leases to total assets | 64.0087% | 3,277 |
| Net loans and leases to deposits | 75.5437% | 3,250 |
| Net loans and leases to core deposits | 79.9129% | 3,307 |
| Total domestic deposits to total assets | 84.7307% | 3,198 |
| Equity capital to assets | 11.0393% | 2,589 |
| Core capital (leverage) ratio | 11.2192% | 2,171 |
| Tier 1 risk-based capital ratio | 16.4614% | 2,372 |
| Total risk-based capital ratio | 17.7305% | 2,312 |
| Memoranda: | ||
| Average total assets | $85,800,500 | 4,606 |
| Average earning assets | $77,832,000 | 4,613 |
| Average equity | $9,818,000 | 4,567 |
| Average total loans | $57,883,000 | 4,349 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1067% | 2,822 |
| Cost of funding earning assets | 0.2996% | 4,068 |
| Net interest margin | 3.8070% | 2,300 |
| Noninterest income to average assets | 0.5334% | 3,013 |
| Noninterest expense to average assets | 2.5681% | 3,783 |
| Loan and lease loss provision to assets | 0.0484% | 3,423 |
| Net operating income to assets | 1.4221% | 967 |
| Return on assets (ROA) | 1.4339% | 970 |
| Pretax return on assets | 1.3926% | 1,973 |
| Return on Equity (ROE) | 12.0874% | 1,215 |
| Retained earnings to average equity (ytd only) | 0.1492% | 5,257 |
| Net charge-offs to loans | 0.0682% | 2,719 |
| Credit loss provision to net charge-offs | 105.1282% | 2,467 |
| Earnings coverage of net charge-offs (x) | 31.0513% | 1,399 |
| Efficiency ratio | 64.2456% | 3,899 |
| Assets per employee ($millions) | 3.5074% | 4,749 |
| Cash dividends to net income (ytd only)* | 98.7654% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8124% | 220 |
| Loan loss allowance to noncurrent loans | 790.3382% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 3,098 |
| Noncurrent loans to loans | 0.3558% | 3,857 |
| Net loans and leases to total assets | 67.1621% | 2,904 |
| Net loans and leases to deposits | 78.1820% | 3,081 |
| Net loans and leases to core deposits | 80.1756% | 3,379 |
| Total domestic deposits to total assets | 85.9047% | 2,630 |
| Equity capital to assets | 11.8619% | 1,900 |
| Core capital (leverage) ratio | 11.9263% | 1,646 |
| Tier 1 risk-based capital ratio | 17.3937% | 2,034 |
| Total risk-based capital ratio | 18.6628% | 1,991 |
| Memoranda: | ||
| Average total assets | $84,732,200 | 4,632 |
| Average earning assets | $77,094,000 | 4,644 |
| Average equity | $10,051,800 | 4,561 |
| Average total loans | $57,144,400 | 4,373 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1324% | 2,752 |
| Cost of funding earning assets | 0.2901% | 4,208 |
| Net interest margin | 3.8422% | 2,185 |
| Noninterest income to average assets | 0.5357% | 3,005 |
| Noninterest expense to average assets | 2.5968% | 3,673 |
| Loan and lease loss provision to assets | 0.0644% | 2,945 |
| Net operating income to assets | 1.4123% | 1,048 |
| Return on assets (ROA) | 1.4280% | 1,060 |
| Pretax return on assets | 1.3856% | 2,097 |
| Return on Equity (ROE) | 12.0372% | 1,311 |
| Retained earnings to average equity (ytd only) | -3.8535% | 5,688 |
| Net charge-offs to loans | 0.0234% | 3,209 |
| Credit loss provision to net charge-offs | 410.0000% | 824 |
| Earnings coverage of net charge-offs (x) | 91.3203% | 701 |
| Efficiency ratio | 64.4193% | 3,864 |
| Assets per employee ($millions) | 3.5030% | 4,775 |
| Cash dividends to net income (ytd only)* | 132.0132% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9762% | 192 |
| Loan loss allowance to noncurrent loans | 786.7925% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.5531% | 3,249 |
| Noncurrent loans to loans | 0.3783% | 3,908 |
| Net loans and leases to total assets | 64.6791% | 3,313 |
| Net loans and leases to deposits | 76.1018% | 3,392 |
| Net loans and leases to core deposits | 80.3740% | 3,410 |
| Total domestic deposits to total assets | 84.9902% | 2,809 |
| Equity capital to assets | 12.0908% | 2,048 |
| Core capital (leverage) ratio | 11.7628% | 1,833 |
| Tier 1 risk-based capital ratio | 18.0091% | 1,912 |
| Total risk-based capital ratio | 19.2818% | 1,880 |
| Memoranda: | ||
| Average total assets | $84,871,000 | 4,671 |
| Average earning assets | $77,209,750 | 4,681 |
| Average equity | $10,068,500 | 4,605 |
| Average total loans | $56,887,750 | 4,416 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1237% | 2,768 |
| Cost of funding earning assets | 0.2839% | 4,306 |
| Net interest margin | 3.8398% | 2,172 |
| Noninterest income to average assets | 0.5356% | 2,978 |
| Noninterest expense to average assets | 2.6029% | 3,716 |
| Loan and lease loss provision to assets | 0.0705% | 2,724 |
| Net operating income to assets | 1.4001% | 1,057 |
| Return on assets (ROA) | 1.4236% | 1,062 |
| Pretax return on assets | 1.3813% | 2,093 |
| Return on Equity (ROE) | 12.0761% | 1,288 |
| Retained earnings to average equity (ytd only) | -8.8479% | 5,857 |
| Net charge-offs to loans | 0.0350% | 2,752 |
| Credit loss provision to net charge-offs | 300.0000% | 956 |
| Earnings coverage of net charge-offs (x) | 60.8000% | 866 |
| Efficiency ratio | 64.5688% | 3,921 |
| Assets per employee ($millions) | 3.6972% | 4,445 |
| Cash dividends to net income (ytd only)* | 173.2673% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9533% | 210 |
| Loan loss allowance to noncurrent loans | 760.0917% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.5551% | 3,357 |
| Noncurrent loans to loans | 0.3886% | 3,967 |
| Net loans and leases to total assets | 64.0305% | 3,357 |
| Net loans and leases to deposits | 73.9645% | 3,599 |
| Net loans and leases to core deposits | 79.1203% | 3,539 |
| Total domestic deposits to total assets | 86.5692% | 2,125 |
| Equity capital to assets | 11.8268% | 2,250 |
| Core capital (leverage) ratio | 11.2782% | 2,167 |
| Tier 1 risk-based capital ratio | 17.4190% | 2,093 |
| Total risk-based capital ratio | 18.6908% | 2,050 |
| Memoranda: | ||
| Average total assets | $85,137,330 | 4,705 |
| Average earning assets | $77,503,330 | 4,714 |
| Average equity | $10,036,330 | 4,636 |
| Average total loans | $57,168,670 | 4,430 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1604% | 2,618 |
| Cost of funding earning assets | 0.2732% | 4,465 |
| Net interest margin | 3.8871% | 1,973 |
| Noninterest income to average assets | 0.5306% | 2,930 |
| Noninterest expense to average assets | 2.5872% | 3,787 |
| Loan and lease loss provision to assets | 0.0704% | 2,543 |
| Net operating income to assets | 1.4556% | 929 |
| Return on assets (ROA) | 1.4556% | 974 |
| Pretax return on assets | 1.4133% | 1,864 |
| Return on Equity (ROE) | 12.3678% | 1,196 |
| Retained earnings to average equity (ytd only) | -23.5388% | 5,989 |
| Net charge-offs to loans | 0.0485% | 2,068 |
| Credit loss provision to net charge-offs | 214.2857% | 1,030 |
| Earnings coverage of net charge-offs (x) | 45.1429% | 942 |
| Efficiency ratio | 63.5525% | 4,201 |
| Assets per employee ($millions) | 3.5566% | 4,731 |
| Cash dividends to net income (ytd only)* | 290.3226% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8866% | 247 |
| Loan loss allowance to noncurrent loans | 737.6682% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.5588% | 3,394 |
| Noncurrent loans to loans | 0.3913% | 4,036 |
| Net loans and leases to total assets | 64.8356% | 3,132 |
| Net loans and leases to deposits | 74.8982% | 3,328 |
| Net loans and leases to core deposits | 81.2732% | 3,206 |
| Total domestic deposits to total assets | 86.5650% | 2,420 |
| Equity capital to assets | 11.4762% | 2,461 |
| Core capital (leverage) ratio | 11.1924% | 2,231 |
| Tier 1 risk-based capital ratio | 17.1235% | 2,245 |
| Total risk-based capital ratio | 18.3947% | 2,202 |
| Memoranda: | ||
| Average total assets | $85,188,000 | 4,747 |
| Average earning assets | $77,589,500 | 4,757 |
| Average equity | $10,026,000 | 4,657 |
| Average total loans | $57,700,000 | 4,454 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2194% | 2,498 |
| Cost of funding earning assets | 0.2615% | 4,678 |
| Net interest margin | 3.9579% | 1,851 |
| Noninterest income to average assets | 0.4444% | 3,712 |
| Noninterest expense to average assets | 2.5392% | 4,108 |
| Loan and lease loss provision to assets | 0.0717% | 2,838 |
| Net operating income to assets | 1.6211% | 671 |
| Return on assets (ROA) | 1.6234% | 689 |
| Pretax return on assets | 1.5364% | 1,445 |
| Return on Equity (ROE) | 14.1005% | 827 |
| Retained earnings to average equity (ytd only) | 6.4427% | 1,572 |
| Net charge-offs to loans | -0.1694% | 5,926 |
| Credit loss provision to net charge-offs | -61.0000% | 5,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2592% | 4,724 |
| Assets per employee ($millions) | 3.4007% | 4,978 |
| Cash dividends to net income (ytd only)* | 54.3085% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8025% | 278 |
| Loan loss allowance to noncurrent loans | 721.1454% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.5822% | 3,345 |
| Noncurrent loans to loans | 0.3886% | 4,059 |
| Net loans and leases to total assets | 66.7808% | 2,878 |
| Net loans and leases to deposits | 78.1003% | 3,043 |
| Net loans and leases to core deposits | 84.8667% | 2,898 |
| Total domestic deposits to total assets | 85.5064% | 2,855 |
| Equity capital to assets | 12.0635% | 1,911 |
| Core capital (leverage) ratio | 11.7883% | 1,764 |
| Tier 1 risk-based capital ratio | 18.2222% | 1,900 |
| Total risk-based capital ratio | 19.4926% | 1,864 |
| Memoranda: | ||
| Average total assets | $85,067,600 | 4,765 |
| Average earning assets | $79,537,000 | 4,727 |
| Average equity | $9,794,000 | 4,691 |
| Average total loans | $59,031,800 | 4,402 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2079% | 2,551 |
| Cost of funding earning assets | 0.2598% | 4,776 |
| Net interest margin | 3.9482% | 1,879 |
| Noninterest income to average assets | 0.4404% | 3,790 |
| Noninterest expense to average assets | 2.5089% | 4,168 |
| Loan and lease loss provision to assets | 0.0705% | 2,773 |
| Net operating income to assets | 1.6220% | 734 |
| Return on assets (ROA) | 1.6251% | 756 |
| Pretax return on assets | 1.5796% | 1,443 |
| Return on Equity (ROE) | 14.2856% | 845 |
| Retained earnings to average equity (ytd only) | 3.9537% | 3,656 |
| Net charge-offs to loans | -0.2185% | 6,016 |
| Credit loss provision to net charge-offs | -46.3918% | 4,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3695% | 4,836 |
| Assets per employee ($millions) | 3.3861% | 5,010 |
| Cash dividends to net income (ytd only)* | 72.3245% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7180% | 330 |
| Loan loss allowance to noncurrent loans | 701.7241% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.5753% | 3,559 |
| Noncurrent loans to loans | 0.3873% | 4,226 |
| Net loans and leases to total assets | 68.8324% | 2,557 |
| Net loans and leases to deposits | 80.2457% | 2,855 |
| Net loans and leases to core deposits | 85.2906% | 2,920 |
| Total domestic deposits to total assets | 85.7771% | 2,653 |
| Equity capital to assets | 11.7623% | 2,297 |
| Core capital (leverage) ratio | 11.5749% | 1,979 |
| Tier 1 risk-based capital ratio | 18.3053% | 1,955 |
| Total risk-based capital ratio | 19.5777% | 1,904 |
| Memoranda: | ||
| Average total assets | $85,080,250 | 4,817 |
| Average earning assets | $80,069,000 | 4,775 |
| Average equity | $9,678,500 | 4,775 |
| Average total loans | $59,186,750 | 4,446 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1709% | 2,645 |
| Cost of funding earning assets | 0.2613% | 4,815 |
| Net interest margin | 3.9096% | 1,941 |
| Noninterest income to average assets | 0.4388% | 3,780 |
| Noninterest expense to average assets | 2.5345% | 4,122 |
| Loan and lease loss provision to assets | 0.0704% | 2,700 |
| Net operating income to assets | 1.5536% | 826 |
| Return on assets (ROA) | 1.5583% | 845 |
| Pretax return on assets | 1.5254% | 1,569 |
| Return on Equity (ROE) | 13.8540% | 934 |
| Retained earnings to average equity (ytd only) | 1.3353% | 5,011 |
| Net charge-offs to loans | -0.2884% | 6,111 |
| Credit loss provision to net charge-offs | -35.2941% | 4,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4334% | 4,762 |
| Assets per employee ($millions) | 3.4163% | 4,953 |
| Cash dividends to net income (ytd only)* | 90.3614% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6967% | 379 |
| Loan loss allowance to noncurrent loans | 477.9104% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.4309% | 4,201 |
| Noncurrent loans to loans | 0.5643% | 3,765 |
| Net loans and leases to total assets | 67.6377% | 2,695 |
| Net loans and leases to deposits | 77.6128% | 3,076 |
| Net loans and leases to core deposits | 80.6399% | 3,314 |
| Total domestic deposits to total assets | 87.1476% | 2,082 |
| Equity capital to assets | 11.1875% | 2,680 |
| Core capital (leverage) ratio | 11.2676% | 2,192 |
| Tier 1 risk-based capital ratio | 17.7470% | 2,144 |
| Total risk-based capital ratio | 19.0187% | 2,089 |
| Memoranda: | ||
| Average total assets | $85,223,000 | 4,872 |
| Average earning assets | $80,366,330 | 4,820 |
| Average equity | $9,585,670 | 4,822 |
| Average total loans | $58,950,330 | 4,489 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1971% | 2,465 |
| Cost of funding earning assets | 0.2642% | 4,858 |
| Net interest margin | 3.9329% | 1,782 |
| Noninterest income to average assets | 0.4370% | 3,712 |
| Noninterest expense to average assets | 2.4527% | 4,433 |
| Loan and lease loss provision to assets | 0.0705% | 2,529 |
| Net operating income to assets | 1.6163% | 699 |
| Return on assets (ROA) | 1.6257% | 715 |
| Pretax return on assets | 1.6304% | 1,189 |
| Return on Equity (ROE) | 14.4152% | 806 |
| Retained earnings to average equity (ytd only) | -4.3329% | 5,885 |
| Net charge-offs to loans | -0.0204% | 5,060 |
| Credit loss provision to net charge-offs | -500.0000% | 4,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1837% | 5,196 |
| Assets per employee ($millions) | 3.5513% | 4,809 |
| Cash dividends to net income (ytd only)* | 130.0578% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5640% | 486 |
| Loan loss allowance to noncurrent loans | 447.6190% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.4329% | 4,304 |
| Noncurrent loans to loans | 0.5728% | 3,867 |
| Net loans and leases to total assets | 67.0585% | 2,598 |
| Net loans and leases to deposits | 77.3072% | 2,907 |
| Net loans and leases to core deposits | 79.2276% | 3,264 |
| Total domestic deposits to total assets | 86.7429% | 2,531 |
| Equity capital to assets | 11.2836% | 2,666 |
| Core capital (leverage) ratio | 11.1127% | 2,306 |
| Tier 1 risk-based capital ratio | 17.5675% | 2,277 |
| Total risk-based capital ratio | 18.8357% | 2,232 |
| Memoranda: | ||
| Average total assets | $85,130,500 | 4,917 |
| Average earning assets | $80,245,500 | 4,863 |
| Average equity | $9,601,000 | 4,864 |
| Average total loans | $58,741,000 | 4,526 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4536% | 2,054 |
| Cost of funding earning assets | 0.2793% | 5,008 |
| Net interest margin | 4.1743% | 1,371 |
| Noninterest income to average assets | 1.0471% | 1,117 |
| Noninterest expense to average assets | 2.5672% | 4,334 |
| Loan and lease loss provision to assets | 0.0736% | 3,011 |
| Net operating income to assets | 2.2392% | 204 |
| Return on assets (ROA) | 2.3006% | 193 |
| Pretax return on assets | 2.4007% | 230 |
| Return on Equity (ROE) | 21.1555% | 201 |
| Retained earnings to average equity (ytd only) | 7.8432% | 1,077 |
| Net charge-offs to loans | 0.2800% | 1,548 |
| Credit loss provision to net charge-offs | 37.6543% | 3,720 |
| Earnings coverage of net charge-offs (x) | 12.3333% | 2,387 |
| Efficiency ratio | 51.5754% | 6,010 |
| Assets per employee ($millions) | 3.8650% | 4,231 |
| Cash dividends to net income (ytd only)* | 62.9261% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5262% | 531 |
| Loan loss allowance to noncurrent loans | 409.3664% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 4,248 |
| Noncurrent loans to loans | 0.6171% | 3,834 |
| Net loans and leases to total assets | 67.4319% | 2,659 |
| Net loans and leases to deposits | 77.7612% | 3,003 |
| Net loans and leases to core deposits | 79.6970% | 3,327 |
| Total domestic deposits to total assets | 86.7166% | 2,442 |
| Equity capital to assets | 11.2724% | 2,628 |
| Core capital (leverage) ratio | 11.2419% | 2,180 |
| Tier 1 risk-based capital ratio | 17.8558% | 2,186 |
| Total risk-based capital ratio | 19.1250% | 2,145 |
| Memoranda: | ||
| Average total assets | $82,893,000 | 4,990 |
| Average earning assets | $78,049,400 | 4,921 |
| Average equity | $9,014,200 | 4,971 |
| Average total loans | $57,857,400 | 4,557 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5516% | 1,698 |
| Cost of funding earning assets | 0.2765% | 5,134 |
| Net interest margin | 4.2751% | 1,099 |
| Noninterest income to average assets | 1.2611% | 760 |
| Noninterest expense to average assets | 2.5967% | 4,207 |
| Loan and lease loss provision to assets | 0.0729% | 2,884 |
| Net operating income to assets | 2.5187% | 139 |
| Return on assets (ROA) | 2.5902% | 129 |
| Pretax return on assets | 2.6955% | 159 |
| Return on Equity (ROE) | 24.0464% | 125 |
| Retained earnings to average equity (ytd only) | 6.0116% | 2,401 |
| Net charge-offs to loans | 0.3263% | 1,227 |
| Credit loss provision to net charge-offs | 31.9149% | 3,424 |
| Earnings coverage of net charge-offs (x) | 11.8011% | 2,376 |
| Efficiency ratio | 49.0820% | 6,149 |
| Assets per employee ($millions) | 3.5773% | 4,722 |
| Cash dividends to net income (ytd only)* | 75.0000% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6508% | 526 |
| Loan loss allowance to noncurrent loans | 376.5152% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.5275% | 4,293 |
| Noncurrent loans to loans | 0.7040% | 3,848 |
| Net loans and leases to total assets | 66.5508% | 2,764 |
| Net loans and leases to deposits | 77.2179% | 3,041 |
| Net loans and leases to core deposits | 79.2176% | 3,410 |
| Total domestic deposits to total assets | 86.1857% | 2,766 |
| Equity capital to assets | 11.2437% | 2,708 |
| Core capital (leverage) ratio | 11.3223% | 2,196 |
| Tier 1 risk-based capital ratio | 17.9707% | 2,220 |
| Total risk-based capital ratio | 19.2420% | 2,172 |
| Memoranda: | ||
| Average total assets | $82,358,500 | 5,057 |
| Average earning assets | $77,625,750 | 4,989 |
| Average equity | $8,871,500 | 5,043 |
| Average total loans | $57,615,750 | 4,609 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6425% | 1,420 |
| Cost of funding earning assets | 0.2802% | 5,179 |
| Net interest margin | 4.3623% | 918 |
| Noninterest income to average assets | 1.6532% | 470 |
| Noninterest expense to average assets | 2.6582% | 4,022 |
| Loan and lease loss provision to assets | 0.0728% | 2,814 |
| Net operating income to assets | 2.9103% | 99 |
| Return on assets (ROA) | 3.0175% | 94 |
| Pretax return on assets | 3.1535% | 104 |
| Return on Equity (ROE) | 28.4277% | 71 |
| Retained earnings to average equity (ytd only) | 4.4140% | 3,365 |
| Net charge-offs to loans | 0.2893% | 1,380 |
| Credit loss provision to net charge-offs | 35.7143% | 2,978 |
| Earnings coverage of net charge-offs (x) | 15.2738% | 1,861 |
| Efficiency ratio | 46.0471% | 6,362 |
| Assets per employee ($millions) | 3.3908% | 5,073 |
| Cash dividends to net income (ytd only)* | 84.4730% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7102% | 530 |
| Loan loss allowance to noncurrent loans | 215.9155% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.9191% | 3,250 |
| Noncurrent loans to loans | 1.2552% | 2,714 |
| Net loans and leases to total assets | 67.6223% | 2,481 |
| Net loans and leases to deposits | 78.2602% | 2,763 |
| Net loans and leases to core deposits | 80.6008% | 3,146 |
| Total domestic deposits to total assets | 86.4070% | 2,816 |
| Equity capital to assets | 11.0715% | 2,812 |
| Core capital (leverage) ratio | 10.9667% | 2,460 |
| Tier 1 risk-based capital ratio | 17.4534% | 2,432 |
| Total risk-based capital ratio | 18.7242% | 2,399 |
| Memoranda: | ||
| Average total assets | $82,385,670 | 5,099 |
| Average earning assets | $77,802,670 | 5,022 |
| Average equity | $8,745,000 | 5,099 |
| Average total loans | $58,072,000 | 4,613 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9958% | 725 |
| Cost of funding earning assets | 0.2909% | 5,163 |
| Net interest margin | 4.7050% | 463 |
| Noninterest income to average assets | 1.8676% | 378 |
| Noninterest expense to average assets | 2.6686% | 4,045 |
| Loan and lease loss provision to assets | 0.0724% | 2,691 |
| Net operating income to assets | 3.3619% | 82 |
| Return on assets (ROA) | 3.4118% | 79 |
| Pretax return on assets | 3.6290% | 98 |
| Return on Equity (ROE) | 32.8360% | 51 |
| Retained earnings to average equity (ytd only) | -4.3193% | 6,082 |
| Net charge-offs to loans | 0.5508% | 670 |
| Credit loss provision to net charge-offs | 18.5185% | 2,521 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 1,941 |
| Efficiency ratio | 42.2460% | 6,541 |
| Assets per employee ($millions) | 3.5172% | 4,889 |
| Cash dividends to net income (ytd only)* | 113.1542% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6043% | 713 |
| Loan loss allowance to noncurrent loans | 152,100.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 6,145 |
| Noncurrent loans to loans | 0.0017% | 6,198 |
| Net loans and leases to total assets | 67.3854% | 2,325 |
| Net loans and leases to deposits | 76.7245% | 2,723 |
| Net loans and leases to core deposits | 79.6734% | 3,013 |
| Total domestic deposits to total assets | 87.8277% | 2,323 |
| Equity capital to assets | 10.1939% | 3,607 |
| Core capital (leverage) ratio | 10.5671% | 2,852 |
| Tier 1 risk-based capital ratio | 16.3971% | 2,950 |
| Total risk-based capital ratio | 17.6679% | 2,910 |
| Memoranda: | ||
| Average total assets | $82,888,500 | 5,132 |
| Average earning assets | $78,385,500 | 5,063 |
| Average equity | $8,612,500 | 5,146 |
| Average total loans | $58,826,000 | 4,627 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6128% | 1,829 |
| Cost of funding earning assets | 0.6123% | 2,551 |
| Net interest margin | 4.0005% | 1,944 |
| Noninterest income to average assets | 0.6685% | 2,712 |
| Noninterest expense to average assets | 2.5630% | 4,579 |
| Loan and lease loss provision to assets | 0.1979% | 1,874 |
| Net operating income to assets | 1.6845% | 596 |
| Return on assets (ROA) | 1.6845% | 609 |
| Pretax return on assets | 1.6761% | 996 |
| Return on Equity (ROE) | 16.4367% | 571 |
| Retained earnings to average equity (ytd only) | 9.3722% | 687 |
| Net charge-offs to loans | 0.1784% | 3,044 |
| Credit loss provision to net charge-offs | 150.4587% | 1,541 |
| Earnings coverage of net charge-offs (x) | 14.2477% | 1,960 |
| Efficiency ratio | 57.7645% | 5,765 |
| Assets per employee ($millions) | 3.5376% | 4,831 |
| Cash dividends to net income (ytd only)* | 42.9799% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6785% | 675 |
| Loan loss allowance to noncurrent loans | 243.7788% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.8468% | 3,775 |
| Noncurrent loans to loans | 1.0988% | 3,334 |
| Net loans and leases to total assets | 70.8692% | 1,863 |
| Net loans and leases to deposits | 81.0964% | 2,313 |
| Net loans and leases to core deposits | 84.6676% | 2,592 |
| Total domestic deposits to total assets | 87.3888% | 2,529 |
| Equity capital to assets | 10.5944% | 3,053 |
| Core capital (leverage) ratio | 10.6586% | 2,722 |
| Tier 1 risk-based capital ratio | 16.5234% | 2,845 |
| Total risk-based capital ratio | 17.7940% | 2,804 |
| Memoranda: | ||
| Average total assets | $82,871,000 | 5,170 |
| Average earning assets | $78,065,200 | 5,087 |
| Average equity | $8,493,200 | 5,214 |
| Average total loans | $61,099,400 | 4,575 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6358% | 1,783 |
| Cost of funding earning assets | 0.6265% | 2,588 |
| Net interest margin | 4.0093% | 1,909 |
| Noninterest income to average assets | 0.4468% | 4,178 |
| Noninterest expense to average assets | 2.3047% | 5,326 |
| Loan and lease loss provision to assets | 0.2627% | 1,345 |
| Net operating income to assets | 1.6625% | 664 |
| Return on assets (ROA) | 1.6625% | 699 |
| Pretax return on assets | 1.6513% | 1,212 |
| Return on Equity (ROE) | 16.3561% | 601 |
| Retained earnings to average equity (ytd only) | 14.7804% | 213 |
| Net charge-offs to loans | 0.4332% | 1,480 |
| Credit loss provision to net charge-offs | 82.0000% | 2,794 |
| Earnings coverage of net charge-offs (x) | 5.9750% | 3,061 |
| Efficiency ratio | 54.6317% | 6,047 |
| Assets per employee ($millions) | 3.4443% | 4,965 |
| Cash dividends to net income (ytd only)* | 9.6339% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5142% | 916 |
| Loan loss allowance to noncurrent loans | 142.6120% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 1.3331% | 2,972 |
| Noncurrent loans to loans | 1.7630% | 2,555 |
| Net loans and leases to total assets | 70.1725% | 1,933 |
| Net loans and leases to deposits | 80.4979% | 2,342 |
| Net loans and leases to core deposits | 83.9912% | 2,658 |
| Total domestic deposits to total assets | 87.1731% | 2,585 |
| Equity capital to assets | 10.6409% | 3,121 |
| Core capital (leverage) ratio | 10.8501% | 2,618 |
| Tier 1 risk-based capital ratio | 16.4512% | 2,957 |
| Total risk-based capital ratio | 17.7201% | 2,919 |
| Memoranda: | ||
| Average total assets | $83,247,750 | 5,210 |
| Average earning assets | $78,315,750 | 5,123 |
| Average equity | $8,461,500 | 5,280 |
| Average total loans | $61,562,000 | 4,598 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 2,148 |
| Cost of funding earning assets | 0.6504% | 2,489 |
| Net interest margin | 3.8642% | 2,329 |
| Noninterest income to average assets | 0.3979% | 4,544 |
| Noninterest expense to average assets | 2.1500% | 5,746 |
| Loan and lease loss provision to assets | 0.3931% | 803 |
| Net operating income to assets | 1.4789% | 934 |
| Return on assets (ROA) | 1.4789% | 1,006 |
| Pretax return on assets | 1.4860% | 1,662 |
| Return on Equity (ROE) | 14.7784% | 851 |
| Retained earnings to average equity (ytd only) | 12.3832% | 440 |
| Net charge-offs to loans | 0.7068% | 925 |
| Credit loss provision to net charge-offs | 74.5455% | 2,731 |
| Earnings coverage of net charge-offs (x) | 3.5636% | 3,359 |
| Efficiency ratio | 53.3611% | 6,195 |
| Assets per employee ($millions) | 3.3212% | 5,229 |
| Cash dividends to net income (ytd only)* | 16.2075% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3881% | 1,106 |
| Loan loss allowance to noncurrent loans | 120.6051% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 1.5669% | 2,765 |
| Noncurrent loans to loans | 1.9801% | 2,427 |
| Net loans and leases to total assets | 72.6111% | 1,460 |
| Net loans and leases to deposits | 82.6726% | 1,967 |
| Net loans and leases to core deposits | 86.2134% | 2,313 |
| Total domestic deposits to total assets | 87.8297% | 2,366 |
| Equity capital to assets | 9.9904% | 3,928 |
| Core capital (leverage) ratio | 10.1159% | 3,343 |
| Tier 1 risk-based capital ratio | 15.2755% | 3,613 |
| Total risk-based capital ratio | 16.5421% | 3,561 |
| Memoranda: | ||
| Average total assets | $83,443,000 | 5,236 |
| Average earning assets | $78,412,670 | 5,156 |
| Average equity | $8,350,000 | 5,352 |
| Average total loans | $62,248,670 | 4,592 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5106% | 2,129 |
| Cost of funding earning assets | 0.6669% | 2,510 |
| Net interest margin | 3.8437% | 2,307 |
| Noninterest income to average assets | 0.3969% | 4,478 |
| Noninterest expense to average assets | 2.5965% | 4,415 |
| Loan and lease loss provision to assets | 0.1865% | 1,978 |
| Net operating income to assets | 1.2146% | 1,491 |
| Return on assets (ROA) | 1.2146% | 1,599 |
| Pretax return on assets | 1.2242% | 2,490 |
| Return on Equity (ROE) | 12.1277% | 1,385 |
| Retained earnings to average equity (ytd only) | 12.1277% | 687 |
| Net charge-offs to loans | 1.0241% | 597 |
| Credit loss provision to net charge-offs | 24.3750% | 2,972 |
| Earnings coverage of net charge-offs (x) | 1.8438% | 3,223 |
| Efficiency ratio | 64.7971% | 4,863 |
| Assets per employee ($millions) | 3.3674% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2861% | 1,432 |
| Loan loss allowance to noncurrent loans | 93.9414% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 2.1108% | 2,224 |
| Noncurrent loans to loans | 2.4335% | 2,120 |
| Net loans and leases to total assets | 71.6390% | 1,410 |
| Net loans and leases to deposits | 81.4813% | 1,900 |
| Net loans and leases to core deposits | 86.1264% | 2,093 |
| Total domestic deposits to total assets | 87.9208% | 2,371 |
| Equity capital to assets | 10.0908% | 4,028 |
| Core capital (leverage) ratio | 9.9159% | 3,508 |
| Tier 1 risk-based capital ratio | 14.5263% | 4,153 |
| Total risk-based capital ratio | 15.7922% | 4,110 |
| Memoranda: | ||
| Average total assets | $83,649,500 | 5,279 |
| Average earning assets | $78,570,000 | 5,193 |
| Average equity | $8,377,500 | 5,391 |
| Average total loans | $62,491,000 | 4,618 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8011% | 2,189 |
| Cost of funding earning assets | 0.5992% | 4,362 |
| Net interest margin | 4.2019% | 1,657 |
| Noninterest income to average assets | 0.3286% | 5,107 |
| Noninterest expense to average assets | 2.8958% | 3,657 |
| Loan and lease loss provision to assets | 1.1525% | 314 |
| Net operating income to assets | 0.1508% | 5,889 |
| Return on assets (ROA) | 0.1508% | 6,050 |
| Pretax return on assets | 0.2011% | 5,989 |
| Return on Equity (ROE) | 1.4490% | 6,028 |
| Retained earnings to average equity (ytd only) | -1.4961% | 6,090 |
| Net charge-offs to loans | 1.6226% | 523 |
| Credit loss provision to net charge-offs | 95.0455% | 3,270 |
| Earnings coverage of net charge-offs (x) | 1.1163% | 4,902 |
| Efficiency ratio | 68.1477% | 4,118 |
| Assets per employee ($millions) | 3.1967% | 5,626 |
| Cash dividends to net income (ytd only)* | 203.2520% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4217% | 1,205 |
| Loan loss allowance to noncurrent loans | 84.2221% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 2.5640% | 1,895 |
| Noncurrent loans to loans | 2.8754% | 1,823 |
| Net loans and leases to total assets | 74.2712% | 1,158 |
| Net loans and leases to deposits | 86.5813% | 1,433 |
| Net loans and leases to core deposits | 89.4571% | 1,899 |
| Total domestic deposits to total assets | 85.7820% | 3,471 |
| Equity capital to assets | 9.9383% | 4,256 |
| Core capital (leverage) ratio | 9.6181% | 3,935 |
| Tier 1 risk-based capital ratio | 13.7682% | 4,555 |
| Total risk-based capital ratio | 15.0353% | 4,497 |
| Memoranda: | ||
| Average total assets | $81,565,000 | 5,313 |
| Average earning assets | $76,107,600 | 5,241 |
| Average equity | $8,488,600 | 5,366 |
| Average total loans | $60,951,800 | 4,675 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8529% | 2,185 |
| Cost of funding earning assets | 0.6190% | 4,459 |
| Net interest margin | 4.2340% | 1,632 |
| Noninterest income to average assets | 0.2398% | 5,835 |
| Noninterest expense to average assets | 2.8661% | 3,730 |
| Loan and lease loss provision to assets | 0.8705% | 519 |
| Net operating income to assets | 0.3794% | 5,328 |
| Return on assets (ROA) | 0.3794% | 5,540 |
| Pretax return on assets | 0.4467% | 5,607 |
| Return on Equity (ROE) | 3.6040% | 5,450 |
| Retained earnings to average equity (ytd only) | 1.2638% | 5,669 |
| Net charge-offs to loans | 1.3228% | 707 |
| Credit loss provision to net charge-offs | 88.4808% | 3,347 |
| Earnings coverage of net charge-offs (x) | 1.3389% | 4,628 |
| Efficiency ratio | 68.5120% | 3,956 |
| Assets per employee ($millions) | 2.9794% | 6,083 |
| Cash dividends to net income (ytd only)* | 64.9372% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5284% | 1,178 |
| Loan loss allowance to noncurrent loans | 69.5172% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 2.8815% | 1,818 |
| Noncurrent loans to loans | 3.6371% | 1,485 |
| Net loans and leases to total assets | 72.4591% | 1,474 |
| Net loans and leases to deposits | 85.7860% | 1,625 |
| Net loans and leases to core deposits | 88.4386% | 2,164 |
| Total domestic deposits to total assets | 84.4650% | 3,993 |
| Equity capital to assets | 10.5862% | 3,749 |
| Core capital (leverage) ratio | 10.1991% | 3,283 |
| Tier 1 risk-based capital ratio | 15.0862% | 3,791 |
| Total risk-based capital ratio | 16.3549% | 3,726 |
| Memoranda: | ||
| Average total assets | $81,178,000 | 5,377 |
| Average earning assets | $75,608,750 | 5,303 |
| Average equity | $8,545,750 | 5,403 |
| Average total loans | $60,374,500 | 4,749 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 1,983 |
| Cost of funding earning assets | 0.6401% | 4,529 |
| Net interest margin | 4.2931% | 1,494 |
| Noninterest income to average assets | 0.1916% | 6,185 |
| Noninterest expense to average assets | 2.8837% | 3,687 |
| Loan and lease loss provision to assets | 0.2948% | 2,221 |
| Net operating income to assets | 0.8990% | 2,914 |
| Return on assets (ROA) | 0.8990% | 3,184 |
| Pretax return on assets | 0.9997% | 3,712 |
| Return on Equity (ROE) | 8.5557% | 2,997 |
| Retained earnings to average equity (ytd only) | 6.2181% | 2,556 |
| Net charge-offs to loans | 0.7892% | 1,393 |
| Credit loss provision to net charge-offs | 50.2092% | 4,033 |
| Earnings coverage of net charge-offs (x) | 2.2050% | 3,880 |
| Efficiency ratio | 69.0182% | 3,936 |
| Assets per employee ($millions) | 3.0626% | 5,930 |
| Cash dividends to net income (ytd only)* | 27.3224% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4052% | 1,404 |
| Loan loss allowance to noncurrent loans | 48.5231% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 3.9898% | 1,281 |
| Noncurrent loans to loans | 4.9567% | 1,005 |
| Net loans and leases to total assets | 74.5014% | 1,175 |
| Net loans and leases to deposits | 88.3534% | 1,338 |
| Net loans and leases to core deposits | 91.1149% | 1,861 |
| Total domestic deposits to total assets | 84.3221% | 4,180 |
| Equity capital to assets | 10.8668% | 3,272 |
| Core capital (leverage) ratio | 10.3006% | 3,046 |
| Tier 1 risk-based capital ratio | 15.2639% | 3,595 |
| Total risk-based capital ratio | 16.5319% | 3,545 |
| Memoranda: | ||
| Average total assets | $81,422,670 | 5,398 |
| Average earning assets | $75,609,330 | 5,336 |
| Average equity | $8,555,670 | 5,399 |
| Average total loans | $60,565,670 | 4,767 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2732% | 1,161 |
| Cost of funding earning assets | 0.6592% | 4,646 |
| Net interest margin | 4.6141% | 805 |
| Noninterest income to average assets | 0.1215% | 6,646 |
| Noninterest expense to average assets | 2.7648% | 4,182 |
| Loan and lease loss provision to assets | 0.2915% | 2,134 |
| Net operating income to assets | 1.1224% | 1,976 |
| Return on assets (ROA) | 1.1224% | 2,162 |
| Pretax return on assets | 1.3168% | 2,483 |
| Return on Equity (ROE) | 10.8616% | 2,078 |
| Retained earnings to average equity (ytd only) | 10.8616% | 1,068 |
| Net charge-offs to loans | 1.5615% | 644 |
| Credit loss provision to net charge-offs | 25.4237% | 3,706 |
| Earnings coverage of net charge-offs (x) | 1.4025% | 3,626 |
| Efficiency ratio | 63.2222% | 5,066 |
| Assets per employee ($millions) | 3.0780% | 6,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3392% | 1,609 |
| Loan loss allowance to noncurrent loans | 94.6128% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 2.8807% | 2,019 |
| Noncurrent loans to loans | 2.4724% | 2,635 |
| Net loans and leases to total assets | 70.5842% | 1,652 |
| Net loans and leases to deposits | 82.7640% | 1,822 |
| Net loans and leases to core deposits | 87.6921% | 2,087 |
| Total domestic deposits to total assets | 85.2837% | 3,888 |
| Equity capital to assets | 10.3580% | 3,663 |
| Core capital (leverage) ratio | 10.2723% | 3,032 |
| Tier 1 risk-based capital ratio | 14.9545% | 3,787 |
| Total risk-based capital ratio | 16.2201% | 3,740 |
| Memoranda: | ||
| Average total assets | $82,320,000 | 5,408 |
| Average earning assets | $75,855,000 | 5,369 |
| Average equity | $8,507,000 | 5,427 |
| Average total loans | $60,455,500 | 4,794 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8070% | 638 |
| Cost of funding earning assets | 0.8852% | 4,217 |
| Net interest margin | 4.9218% | 486 |
| Noninterest income to average assets | 0.3685% | 4,872 |
| Noninterest expense to average assets | 4.3487% | 685 |
| Loan and lease loss provision to assets | 1.2162% | 717 |
| Net operating income to assets | -0.7272% | 6,619 |
| Return on assets (ROA) | -0.7272% | 6,650 |
| Pretax return on assets | -0.7223% | 6,606 |
| Return on Equity (ROE) | -6.6976% | 6,615 |
| Retained earnings to average equity (ytd only) | -6.6976% | 6,553 |
| Net charge-offs to loans | 1.3495% | 1,223 |
| Credit loss provision to net charge-offs | 119.7098% | 2,668 |
| Earnings coverage of net charge-offs (x) | 0.4861% | 5,463 |
| Efficiency ratio | 56.4434% | 6,258 |
| Assets per employee ($millions) | 3.1360% | 5,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5983% | 1,195 |
| Loan loss allowance to noncurrent loans | 83.3861% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 3.5629% | 1,656 |
| Noncurrent loans to loans | 3.1160% | 2,076 |
| Net loans and leases to total assets | 72.6878% | 1,517 |
| Net loans and leases to deposits | 85.4864% | 1,732 |
| Net loans and leases to core deposits | 90.8180% | 2,009 |
| Total domestic deposits to total assets | 85.0285% | 3,826 |
| Equity capital to assets | 10.3097% | 3,773 |
| Core capital (leverage) ratio | 9.9378% | 3,409 |
| Tier 1 risk-based capital ratio | 14.3512% | 4,079 |
| Total risk-based capital ratio | 15.6197% | 4,034 |
| Memoranda: | ||
| Average total assets | $81,402,800 | 5,423 |
| Average earning assets | $73,997,000 | 5,400 |
| Average equity | $8,839,000 | 5,324 |
| Average total loans | $61,281,000 | 4,820 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0893% | 2,654 |
| Cost of funding earning assets | 0.9326% | 4,180 |
| Net interest margin | 4.1568% | 2,254 |
| Noninterest income to average assets | 0.4883% | 3,967 |
| Noninterest expense to average assets | 2.7299% | 4,613 |
| Loan and lease loss provision to assets | 1.5239% | 443 |
| Net operating income to assets | -0.0033% | 6,162 |
| Return on assets (ROA) | -0.0033% | 6,263 |
| Pretax return on assets | 0.0033% | 6,228 |
| Return on Equity (ROE) | -0.0298% | 6,263 |
| Retained earnings to average equity (ytd only) | -0.0298% | 5,964 |
| Net charge-offs to loans | 1.7570% | 773 |
| Credit loss provision to net charge-offs | 114.9567% | 2,844 |
| Earnings coverage of net charge-offs (x) | 1.1520% | 4,757 |
| Efficiency ratio | 64.1263% | 5,040 |
| Assets per employee ($millions) | 3.2022% | 5,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5876% | 1,284 |
| Loan loss allowance to noncurrent loans | 79.9585% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 3.7642% | 1,654 |
| Noncurrent loans to loans | 3.2362% | 2,143 |
| Net loans and leases to total assets | 69.6329% | 2,154 |
| Net loans and leases to deposits | 82.8001% | 2,207 |
| Net loans and leases to core deposits | 88.5845% | 2,416 |
| Total domestic deposits to total assets | 84.0976% | 4,183 |
| Equity capital to assets | 10.6176% | 3,552 |
| Core capital (leverage) ratio | 9.0559% | 4,843 |
| Tier 1 risk-based capital ratio | 12.9869% | 5,108 |
| Total risk-based capital ratio | 14.2566% | 5,063 |
| Memoranda: | ||
| Average total assets | $81,369,750 | 5,462 |
| Average earning assets | $73,773,250 | 5,454 |
| Average equity | $8,947,250 | 5,324 |
| Average total loans | $61,389,500 | 4,854 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1559% | 2,438 |
| Cost of funding earning assets | 0.9805% | 4,086 |
| Net interest margin | 4.1754% | 2,141 |
| Noninterest income to average assets | 0.5970% | 3,165 |
| Noninterest expense to average assets | 2.5985% | 5,188 |
| Loan and lease loss provision to assets | 0.8794% | 1,016 |
| Net operating income to assets | 0.9017% | 2,629 |
| Return on assets (ROA) | 0.9017% | 2,738 |
| Pretax return on assets | 0.9165% | 3,558 |
| Return on Equity (ROE) | 8.1042% | 2,902 |
| Retained earnings to average equity (ytd only) | 8.1042% | 1,426 |
| Net charge-offs to loans | 1.3352% | 1,145 |
| Credit loss provision to net charge-offs | 85.7488% | 3,594 |
| Earnings coverage of net charge-offs (x) | 1.7512% | 3,989 |
| Efficiency ratio | 59.1319% | 6,006 |
| Assets per employee ($millions) | 3.2312% | 5,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2012% | 1,919 |
| Loan loss allowance to noncurrent loans | 78.1034% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 3.9910% | 1,609 |
| Noncurrent loans to loans | 2.8184% | 2,580 |
| Net loans and leases to total assets | 74.7441% | 1,273 |
| Net loans and leases to deposits | 89.5937% | 1,320 |
| Net loans and leases to core deposits | 92.8622% | 2,033 |
| Total domestic deposits to total assets | 83.4256% | 4,572 |
| Equity capital to assets | 11.3579% | 2,638 |
| Core capital (leverage) ratio | 9.5587% | 3,871 |
| Tier 1 risk-based capital ratio | 13.2661% | 4,715 |
| Total risk-based capital ratio | 14.5307% | 4,678 |
| Memoranda: | ||
| Average total assets | $80,740,330 | 5,530 |
| Average earning assets | $73,430,330 | 5,510 |
| Average equity | $8,983,000 | 5,332 |
| Average total loans | $62,014,330 | 4,869 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1514% | 2,430 |
| Cost of funding earning assets | 1.0303% | 3,988 |
| Net interest margin | 4.1211% | 2,183 |
| Noninterest income to average assets | 0.6591% | 2,786 |
| Noninterest expense to average assets | 2.5570% | 5,363 |
| Loan and lease loss provision to assets | 0.2874% | 2,848 |
| Net operating income to assets | 1.5411% | 795 |
| Return on assets (ROA) | 1.5411% | 835 |
| Pretax return on assets | 1.5610% | 1,277 |
| Return on Equity (ROE) | 13.9980% | 995 |
| Retained earnings to average equity (ytd only) | 13.9980% | 472 |
| Net charge-offs to loans | 0.1995% | 3,311 |
| Credit loss provision to net charge-offs | 187.0968% | 1,573 |
| Earnings coverage of net charge-offs (x) | 12.0323% | 1,520 |
| Efficiency ratio | 58.0427% | 6,267 |
| Assets per employee ($millions) | 3.3620% | 5,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3772% | 1,635 |
| Loan loss allowance to noncurrent loans | 68.0961% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 4.7119% | 1,352 |
| Noncurrent loans to loans | 3.4910% | 2,135 |
| Net loans and leases to total assets | 73.5416% | 1,415 |
| Net loans and leases to deposits | 85.9913% | 1,728 |
| Net loans and leases to core deposits | 89.0483% | 2,477 |
| Total domestic deposits to total assets | 85.5222% | 3,771 |
| Equity capital to assets | 11.2221% | 2,489 |
| Core capital (leverage) ratio | 9.4835% | 3,837 |
| Tier 1 risk-based capital ratio | 13.3947% | 4,508 |
| Total risk-based capital ratio | 14.6610% | 4,476 |
| Memoranda: | ||
| Average total assets | $80,720,000 | 5,572 |
| Average earning assets | $73,378,500 | 5,558 |
| Average equity | $8,887,000 | 5,361 |
| Average total loans | $62,152,500 | 4,899 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1184% | 4,013 |
| Cost of funding earning assets | 1.3150% | 3,789 |
| Net interest margin | 3.8034% | 3,932 |
| Noninterest income to average assets | 0.5503% | 3,825 |
| Noninterest expense to average assets | 2.6481% | 5,227 |
| Loan and lease loss provision to assets | 1.2816% | 1,205 |
| Net operating income to assets | 0.0960% | 5,600 |
| Return on assets (ROA) | 0.0960% | 5,740 |
| Pretax return on assets | 0.0960% | 5,706 |
| Return on Equity (ROE) | 0.8679% | 5,732 |
| Retained earnings to average equity (ytd only) | -1.9138% | 5,958 |
| Net charge-offs to loans | 1.6587% | 1,312 |
| Credit loss provision to net charge-offs | 98.4863% | 4,698 |
| Earnings coverage of net charge-offs (x) | 1.0587% | 5,052 |
| Efficiency ratio | 65.7798% | 5,012 |
| Assets per employee ($millions) | 3.2300% | 5,596 |
| Cash dividends to net income (ytd only)* | 320.5128% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2324% | 1,813 |
| Loan loss allowance to noncurrent loans | 48.2313% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 3.7733% | 1,816 |
| Noncurrent loans to loans | 4.6285% | 1,512 |
| Net loans and leases to total assets | 76.9055% | 1,109 |
| Net loans and leases to deposits | 89.4403% | 1,595 |
| Net loans and leases to core deposits | 93.2127% | 2,355 |
| Total domestic deposits to total assets | 85.9853% | 3,366 |
| Equity capital to assets | 10.7974% | 2,861 |
| Core capital (leverage) ratio | 8.9953% | 4,565 |
| Tier 1 risk-based capital ratio | 12.8488% | 4,731 |
| Total risk-based capital ratio | 14.1141% | 4,686 |
| Memoranda: | ||
| Average total assets | $81,228,400 | 5,562 |
| Average earning assets | $74,222,600 | 5,533 |
| Average equity | $8,987,200 | 5,436 |
| Average total loans | $63,726,400 | 4,926 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2353% | 3,659 |
| Cost of funding earning assets | 1.3519% | 3,887 |
| Net interest margin | 3.8834% | 3,597 |
| Noninterest income to average assets | 0.5671% | 3,676 |
| Noninterest expense to average assets | 2.6159% | 5,258 |
| Loan and lease loss provision to assets | 0.7867% | 1,940 |
| Net operating income to assets | 0.7044% | 3,394 |
| Return on assets (ROA) | 0.6687% | 3,712 |
| Pretax return on assets | 0.6736% | 4,331 |
| Return on Equity (ROE) | 6.0081% | 3,808 |
| Retained earnings to average equity (ytd only) | 3.0630% | 4,293 |
| Net charge-offs to loans | 0.9115% | 2,177 |
| Credit loss provision to net charge-offs | 110.0917% | 3,849 |
| Earnings coverage of net charge-offs (x) | 2.0940% | 4,155 |
| Efficiency ratio | 63.6110% | 5,318 |
| Assets per employee ($millions) | 3.0272% | 6,091 |
| Cash dividends to net income (ytd only)* | 49.0193% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2624% | 1,684 |
| Loan loss allowance to noncurrent loans | 102.1424% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 1.8340% | 3,698 |
| Noncurrent loans to loans | 2.2149% | 3,428 |
| Net loans and leases to total assets | 78.1195% | 1,025 |
| Net loans and leases to deposits | 91.3292% | 1,532 |
| Net loans and leases to core deposits | 94.7907% | 2,411 |
| Total domestic deposits to total assets | 85.5362% | 3,327 |
| Equity capital to assets | 11.2963% | 2,708 |
| Core capital (leverage) ratio | 9.5462% | 3,837 |
| Tier 1 risk-based capital ratio | 13.2537% | 4,387 |
| Total risk-based capital ratio | 14.5197% | 4,341 |
| Memoranda: | ||
| Average total assets | $81,347,750 | 5,623 |
| Average earning assets | $74,263,500 | 5,598 |
| Average equity | $9,054,250 | 5,478 |
| Average total loans | $63,778,000 | 4,991 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2692% | 3,609 |
| Cost of funding earning assets | 1.3891% | 3,944 |
| Net interest margin | 3.8801% | 3,534 |
| Noninterest income to average assets | 0.5639% | 3,596 |
| Noninterest expense to average assets | 2.7407% | 4,734 |
| Loan and lease loss provision to assets | 1.0318% | 1,412 |
| Net operating income to assets | 0.3146% | 5,119 |
| Return on assets (ROA) | 0.2832% | 5,400 |
| Pretax return on assets | 0.2881% | 5,531 |
| Return on Equity (ROE) | 2.5571% | 5,431 |
| Retained earnings to average equity (ytd only) | -0.7782% | 5,921 |
| Net charge-offs to loans | 1.0212% | 1,830 |
| Credit loss provision to net charge-offs | 129.7214% | 3,101 |
| Earnings coverage of net charge-offs (x) | 1.6997% | 4,235 |
| Efficiency ratio | 66.9675% | 4,772 |
| Assets per employee ($millions) | 3.0114% | 6,122 |
| Cash dividends to net income (ytd only)* | 130.4348% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4407% | 1,378 |
| Loan loss allowance to noncurrent loans | 119.3448% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 2.2433% | 3,213 |
| Noncurrent loans to loans | 2.0451% | 3,659 |
| Net loans and leases to total assets | 75.2165% | 1,644 |
| Net loans and leases to deposits | 87.5197% | 2,255 |
| Net loans and leases to core deposits | 90.8317% | 3,150 |
| Total domestic deposits to total assets | 85.9423% | 3,124 |
| Equity capital to assets | 11.0272% | 2,831 |
| Core capital (leverage) ratio | 9.2851% | 4,148 |
| Tier 1 risk-based capital ratio | 13.2526% | 4,249 |
| Total risk-based capital ratio | 14.5207% | 4,191 |
| Memoranda: | ||
| Average total assets | $81,218,670 | 5,664 |
| Average earning assets | $73,863,330 | 5,646 |
| Average equity | $8,994,670 | 5,504 |
| Average total loans | $63,261,000 | 5,043 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3700% | 3,192 |
| Cost of funding earning assets | 1.4020% | 4,159 |
| Net interest margin | 3.9680% | 3,004 |
| Noninterest income to average assets | 0.5618% | 3,550 |
| Noninterest expense to average assets | 2.6117% | 5,307 |
| Loan and lease loss provision to assets | 0.2907% | 3,691 |
| Net operating income to assets | 1.2612% | 1,381 |
| Return on assets (ROA) | 1.2319% | 1,531 |
| Pretax return on assets | 1.2418% | 2,228 |
| Return on Equity (ROE) | 11.1000% | 1,758 |
| Retained earnings to average equity (ytd only) | 6.6600% | 2,296 |
| Net charge-offs to loans | 0.5413% | 2,443 |
| Credit loss provision to net charge-offs | 68.6047% | 4,136 |
| Earnings coverage of net charge-offs (x) | 3.6860% | 2,824 |
| Efficiency ratio | 62.5738% | 5,726 |
| Assets per employee ($millions) | 3.0612% | 6,085 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2640% | 1,633 |
| Loan loss allowance to noncurrent loans | 149.2047% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 1.1848% | 4,806 |
| Noncurrent loans to loans | 1.5173% | 4,471 |
| Net loans and leases to total assets | 76.3155% | 1,477 |
| Net loans and leases to deposits | 90.4692% | 1,832 |
| Net loans and leases to core deposits | 94.0278% | 2,836 |
| Total domestic deposits to total assets | 84.3552% | 3,973 |
| Equity capital to assets | 11.4207% | 2,424 |
| Core capital (leverage) ratio | 9.5980% | 3,646 |
| Tier 1 risk-based capital ratio | 13.8807% | 3,739 |
| Total risk-based capital ratio | 15.1470% | 3,688 |
| Memoranda: | ||
| Average total assets | $81,174,000 | 5,734 |
| Average earning assets | $73,892,000 | 5,710 |
| Average equity | $9,009,000 | 5,545 |
| Average total loans | $63,548,000 | 5,109 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7424% | 2,896 |
| Cost of funding earning assets | 1.9687% | 3,108 |
| Net interest margin | 3.7737% | 3,825 |
| Noninterest income to average assets | 0.5865% | 3,739 |
| Noninterest expense to average assets | 2.4951% | 6,146 |
| Loan and lease loss provision to assets | 0.5926% | 3,428 |
| Net operating income to assets | 0.9536% | 1,995 |
| Return on assets (ROA) | 0.9416% | 2,097 |
| Pretax return on assets | 0.9501% | 2,759 |
| Return on Equity (ROE) | 8.9081% | 2,055 |
| Retained earnings to average equity (ytd only) | 3.8063% | 2,537 |
| Net charge-offs to loans | 0.2050% | 5,350 |
| Credit loss provision to net charge-offs | 362.2222% | 883 |
| Earnings coverage of net charge-offs (x) | 9.5037% | 1,789 |
| Efficiency ratio | 61.6098% | 6,217 |
| Assets per employee ($millions) | 3.3102% | 5,469 |
| Cash dividends to net income (ytd only)* | 57.2716% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2079% | 1,636 |
| Loan loss allowance to noncurrent loans | 562.3529% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.3081% | 6,669 |
| Noncurrent loans to loans | 0.3926% | 6,493 |
| Net loans and leases to total assets | 76.7485% | 1,642 |
| Net loans and leases to deposits | 91.3818% | 1,989 |
| Net loans and leases to core deposits | 109.6525% | 2,935 |
| Total domestic deposits to total assets | 83.9867% | 4,028 |
| Equity capital to assets | 10.7883% | 2,880 |
| Core capital (leverage) ratio | 9.0609% | 4,323 |
| Tier 1 risk-based capital ratio | 13.0127% | 4,135 |
| Total risk-based capital ratio | 14.2784% | 4,070 |
| Memoranda: | ||
| Average total assets | $82,521,800 | 5,652 |
| Average earning assets | $75,734,400 | 5,610 |
| Average equity | $8,722,400 | 5,691 |
| Average total loans | $65,847,000 | 5,026 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7647% | 3,043 |
| Cost of funding earning assets | 2.0772% | 3,000 |
| Net interest margin | 3.6874% | 4,124 |
| Noninterest income to average assets | 0.5772% | 3,876 |
| Noninterest expense to average assets | 2.4980% | 6,071 |
| Loan and lease loss provision to assets | 0.6936% | 2,655 |
| Net operating income to assets | 0.7728% | 2,925 |
| Return on assets (ROA) | 0.7648% | 3,028 |
| Pretax return on assets | 0.7729% | 3,614 |
| Return on Equity (ROE) | 7.2731% | 2,959 |
| Retained earnings to average equity (ytd only) | 0.4305% | 5,021 |
| Net charge-offs to loans | 0.1372% | 5,329 |
| Credit loss provision to net charge-offs | 630.8824% | 597 |
| Earnings coverage of net charge-offs (x) | 13.4124% | 1,678 |
| Efficiency ratio | 62.8816% | 5,953 |
| Assets per employee ($millions) | 3.2650% | 5,480 |
| Cash dividends to net income (ytd only)* | 94.0807% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2134% | 1,396 |
| Loan loss allowance to noncurrent loans | 814.1243% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 6,978 |
| Noncurrent loans to loans | 0.2719% | 6,832 |
| Net loans and leases to total assets | 77.9930% | 1,574 |
| Net loans and leases to deposits | 92.7895% | 2,098 |
| Net loans and leases to core deposits | 113.7108% | 2,862 |
| Total domestic deposits to total assets | 84.0537% | 3,699 |
| Equity capital to assets | 10.6623% | 3,329 |
| Core capital (leverage) ratio | 8.6790% | 5,163 |
| Tier 1 risk-based capital ratio | 12.4147% | 4,616 |
| Total risk-based capital ratio | 13.6813% | 4,552 |
| Memoranda: | ||
| Average total assets | $82,463,250 | 5,675 |
| Average earning assets | $75,931,750 | 5,631 |
| Average equity | $8,671,000 | 5,762 |
| Average total loans | $66,071,750 | 5,063 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8203% | 2,956 |
| Cost of funding earning assets | 2.1277% | 3,149 |
| Net interest margin | 3.6926% | 3,980 |
| Noninterest income to average assets | 0.5439% | 4,082 |
| Noninterest expense to average assets | 2.4171% | 6,409 |
| Loan and lease loss provision to assets | 0.2876% | 4,274 |
| Net operating income to assets | 1.2230% | 1,419 |
| Return on assets (ROA) | 1.2182% | 1,510 |
| Pretax return on assets | 1.2279% | 2,222 |
| Return on Equity (ROE) | 11.6393% | 1,521 |
| Retained earnings to average equity (ytd only) | 4.4802% | 2,802 |
| Net charge-offs to loans | 0.1416% | 4,757 |
| Credit loss provision to net charge-offs | 253.1915% | 1,839 |
| Earnings coverage of net charge-offs (x) | 13.3830% | 1,748 |
| Efficiency ratio | 61.3874% | 6,332 |
| Assets per employee ($millions) | 3.2819% | 5,367 |
| Cash dividends to net income (ytd only)* | 61.5079% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7562% | 2,165 |
| Loan loss allowance to noncurrent loans | 609.5238% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 6,923 |
| Noncurrent loans to loans | 0.2881% | 6,790 |
| Net loans and leases to total assets | 78.5440% | 1,630 |
| Net loans and leases to deposits | 93.3267% | 2,209 |
| Net loans and leases to core deposits | 114.9434% | 2,814 |
| Total domestic deposits to total assets | 84.1603% | 3,668 |
| Equity capital to assets | 10.5951% | 3,302 |
| Core capital (leverage) ratio | 8.8862% | 4,807 |
| Tier 1 risk-based capital ratio | 12.5535% | 4,480 |
| Total risk-based capital ratio | 13.8135% | 4,392 |
| Memoranda: | ||
| Average total assets | $82,743,000 | 5,705 |
| Average earning assets | $76,044,000 | 5,668 |
| Average equity | $8,660,330 | 5,792 |
| Average total loans | $66,395,000 | 5,091 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8985% | 2,802 |
| Cost of funding earning assets | 2.2080% | 3,126 |
| Net interest margin | 3.6905% | 3,931 |
| Noninterest income to average assets | 0.3947% | 5,256 |
| Noninterest expense to average assets | 2.4937% | 5,863 |
| Loan and lease loss provision to assets | 0.2840% | 3,688 |
| Net operating income to assets | 0.9869% | 2,372 |
| Return on assets (ROA) | 0.9869% | 2,505 |
| Pretax return on assets | 0.9965% | 3,356 |
| Return on Equity (ROE) | 9.4863% | 2,537 |
| Retained earnings to average equity (ytd only) | 9.4863% | 1,340 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0714% | 5,316 |
| Assets per employee ($millions) | 3.2951% | 5,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7193% | 2,077 |
| Loan loss allowance to noncurrent loans | 602.6455% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.2476% | 6,772 |
| Noncurrent loans to loans | 0.2853% | 6,723 |
| Net loans and leases to total assets | 79.0381% | 1,573 |
| Net loans and leases to deposits | 95.6712% | 1,995 |
| Net loans and leases to core deposits | 116.4800% | 2,746 |
| Total domestic deposits to total assets | 82.6143% | 4,328 |
| Equity capital to assets | 10.6278% | 3,348 |
| Core capital (leverage) ratio | 8.8062% | 4,976 |
| Tier 1 risk-based capital ratio | 12.1125% | 4,860 |
| Total risk-based capital ratio | 13.3713% | 4,757 |
| Memoranda: | ||
| Average total assets | $83,091,000 | 5,704 |
| Average earning assets | $76,087,500 | 5,695 |
| Average equity | $8,644,000 | 5,832 |
| Average total loans | $66,795,000 | 5,102 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7248% | 1,940 |
| Cost of funding earning assets | 3.0245% | 1,783 |
| Net interest margin | 3.7004% | 4,472 |
| Noninterest income to average assets | 0.4632% | 4,936 |
| Noninterest expense to average assets | 2.2335% | 6,879 |
| Loan and lease loss provision to assets | 0.5249% | 2,714 |
| Net operating income to assets | 1.0848% | 2,205 |
| Return on assets (ROA) | 1.0859% | 2,118 |
| Pretax return on assets | 1.0894% | 3,061 |
| Return on Equity (ROE) | 11.4067% | 1,791 |
| Retained earnings to average equity (ytd only) | 6.3085% | 1,391 |
| Net charge-offs to loans | 0.2752% | 3,565 |
| Credit loss provision to net charge-offs | 239.8936% | 1,959 |
| Earnings coverage of net charge-offs (x) | 7.3723% | 3,131 |
| Efficiency ratio | 58.0635% | 6,684 |
| Assets per employee ($millions) | 3.4918% | 4,691 |
| Cash dividends to net income (ytd only)* | 44.6945% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 2,225 |
| Loan loss allowance to noncurrent loans | 203.3898% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.8353% | 4,761 |
| Noncurrent loans to loans | 0.7885% | 5,067 |
| Net loans and leases to total assets | 79.0666% | 1,873 |
| Net loans and leases to deposits | 97.7835% | 2,159 |
| Net loans and leases to core deposits | 118.6134% | 2,825 |
| Total domestic deposits to total assets | 80.8589% | 4,709 |
| Equity capital to assets | 10.1821% | 3,827 |
| Core capital (leverage) ratio | 8.4438% | 5,669 |
| Tier 1 risk-based capital ratio | 11.6137% | 5,145 |
| Total risk-based capital ratio | 12.8707% | 5,026 |
| Memoranda: | ||
| Average total assets | $85,918,400 | 5,485 |
| Average earning assets | $78,559,400 | 5,474 |
| Average equity | $8,179,400 | 6,013 |
| Average total loans | $68,321,400 | 4,932 |